Terms & Conditions
These terms and conditions govern your use of Bishop & Knight Insurance Brokers Limited services and website.
Introduction
Welcome to Bishop & Knight Insurance Brokers Limited. These Terms and Conditions ("Terms") govern your use of our website, services, and any related applications or platforms (collectively, the "Services").
Bishop & Knight Insurance Brokers Limited is a licensed insurance brokerage firm operating under Nigerian law. We provide professional insurance brokerage services to individuals, businesses, and organizations.
Please read these Terms carefully before using our Services. By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy.
Acceptance of Terms
Agreement to Terms
By accessing and using the services of Bishop & Knight Insurance Brokers Limited, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to these terms, you must not use our services.
Capacity to Contract
You represent that you are at least 18 years of age and have the legal capacity to enter into these Terms and Conditions. If you are acting on behalf of an organization, you represent that you have the authority to bind that organization to these terms.
Modifications
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after any changes constitutes acceptance of the new terms.
Services Provided
Insurance Brokerage Services
Bishop & Knight Insurance Brokers Limited provides insurance brokerage services, including but not limited to policy placement, risk assessment, claims assistance, and insurance advisory services. We act as intermediaries between clients and insurance companies.
Professional Standards
Our services are provided in accordance with professional standards and regulatory requirements applicable to insurance brokers in Nigeria. We maintain professional indemnity insurance and comply with all relevant regulations.
Service Limitations
While we strive to provide comprehensive insurance solutions, we cannot guarantee that insurance coverage will be available for all risks or that claims will be accepted by insurers. Final decisions on coverage and claims rest with the insurance companies.
Third-Party Services
We may engage third-party service providers to assist in delivering our services. We remain responsible for the overall service delivery but are not liable for the independent actions of third parties beyond our reasonable control.
User Responsibilities
Accurate Information
You must provide accurate, complete, and current information when applying for insurance or using our services. Any misrepresentation or omission of material facts may void your insurance coverage and terminate our services.
Compliance with Laws
You agree to comply with all applicable laws and regulations in connection with your use of our services. This includes but is not limited to anti-money laundering laws, tax obligations, and insurance regulations.
Premium Payments
You are responsible for paying all premiums and fees when due. Failure to pay premiums may result in cancellation of your insurance coverage. We are not responsible for lapses in coverage due to non-payment.
Notification Obligations
You must promptly notify us of any changes in circumstances that may affect your insurance coverage, including changes in risk exposure, claims, or other material changes.
Payment Terms
Fees and Commissions
Our compensation may include commissions from insurance companies and fees charged directly to clients. All fees will be disclosed to you before services are provided. Payment terms will be specified in your service agreement.
Payment Methods
We accept various payment methods including bank transfers, credit cards, and other electronic payment methods. Processing fees may apply to certain payment methods and will be disclosed at the time of payment.
Late Payments
Late payment charges may apply to overdue amounts. We reserve the right to suspend services for accounts with outstanding payments beyond agreed terms.
Refunds
Refunds, if applicable, will be processed according to the terms of your specific service agreement and applicable insurance policy terms. Processing time for refunds may vary depending on the payment method and circumstances.
Limitation of Liability
Professional Services
Our liability is limited to the scope of professional services provided as insurance brokers. We are not liable for decisions made by insurance companies regarding coverage, claims, or policy terms.
Maximum Liability
Our total liability to you for any claims arising from our services shall not exceed the total fees paid by you to us in the 12 months preceding the claim, or the amount covered by our professional indemnity insurance, whichever is lower.
Excluded Damages
We shall not be liable for any indirect, consequential, special, or punitive damages, including but not limited to loss of profits, business interruption, or loss of data, even if we have been advised of the possibility of such damages.
Force Majeure
We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, government actions, war, terrorism, or natural disasters.
Intellectual Property
Ownership
All content on our website and in our materials, including text, graphics, logos, images, and software, is the property of Bishop & Knight Insurance Brokers Limited or our licensors and is protected by copyright and other intellectual property laws.
Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our website and services for their intended purpose. You may not reproduce, distribute, or create derivative works without our written permission.
Trademarks
Our company name, logo, and other trademarks are the property of Bishop & Knight Insurance Brokers Limited. You may not use our trademarks without our prior written consent.
User Content
Any information or content you provide to us may be used by us for the purpose of providing our services and improving our operations, subject to our Privacy Policy.
Termination
Termination by Either Party
Either party may terminate the service relationship with reasonable notice, subject to the terms of any specific service agreements. Termination does not affect obligations that have already accrued.
Immediate Termination
We may terminate services immediately if you breach these Terms and Conditions, provide false information, or engage in fraudulent or illegal activities.
Effect of Termination
Upon termination, your right to use our services ceases immediately. We will assist with the orderly transition of your insurance arrangements, subject to applicable regulations and agreements with insurance companies.
Survival
Provisions relating to limitation of liability, intellectual property, confidentiality, and dispute resolution shall survive termination of these Terms and Conditions.
Governing Law and Jurisdiction
These Terms and Conditions are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising from or relating to these Terms or our Services shall be subject to the exclusive jurisdiction of the Nigerian courts.
We are regulated by the National Insurance Commission (NAICOM) and comply with all applicable Nigerian insurance laws and regulations.
Dispute Resolution
We are committed to resolving any disputes amicably. If you have a complaint or dispute, please contact us first to allow us the opportunity to resolve the matter directly.
If we cannot resolve a dispute through direct negotiation, the matter may be referred to mediation or arbitration as agreed between the parties, or to the appropriate regulatory body or court as required by law.
For insurance-related complaints, you may also contact the National Insurance Commission (NAICOM) or other relevant regulatory authorities.
Contact Us About These Terms
Legal Department
Registered Office
Bishop & Knight Insurance Brokers Limited
123 Victoria Island
Lagos, Nigeria
If you have any questions about these Terms and Conditions, please contact us using the information above. We will respond to your inquiry within 5 business days.
Severability and Entire Agreement
If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid provision that most closely reflects the intent of the original provision.
These Terms and Conditions, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and Bishop & Knight Insurance Brokers Limited regarding the use of our Services.
No waiver of any provision of these Terms shall be deemed a waiver of any other provision or of the same provision on a future occasion.