Terms of Service
Terms and conditions governing the use of our services
Last Updated: August 2, 2025
Welcome to Wingra Insurance Agency ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website, services, and any related applications or platforms (collectively, the "Services").
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.
By using our Services, you represent and warrant that:
- You are at least 18 years of age
- You have the legal capacity to enter into these Terms
- You will comply with all applicable laws and regulations
- All information you provide is accurate and complete
- You will not use our Services for any unlawful purpose
Wingra Insurance Agency provides insurance brokerage services, including but not limited to:
- Insurance quote comparison and analysis
- Policy placement and negotiation with insurers
- Claims assistance and support
- Risk assessment and advisory services
- Policy management and renewal services
- Customer support and consultation
We act as an intermediary between you and insurance companies. We are not an insurance company and do not underwrite insurance policies.
When using our Services, you agree to:
- Provide accurate, complete, and current information
- Maintain the confidentiality of your account credentials
- Notify us immediately of any unauthorized use of your account
- Comply with all applicable laws and regulations
- Pay all fees and premiums when due
- Cooperate with claims investigations and procedures
- Report material changes that may affect your insurance coverage
Prohibited Uses
You may not use our Services to:
- Engage in fraudulent or deceptive practices
- Violate any applicable laws or regulations
- Interfere with or disrupt our Services
- Attempt to gain unauthorized access to our systems
- Transmit viruses, malware, or other harmful code
- Harass, abuse, or harm other users
Brokerage Fees
Our services may be subject to brokerage fees, which will be clearly disclosed before you commit to any insurance policy. These fees may be included in your premium or charged separately.
Premium Payments
Insurance premiums are due according to the terms of your policy. Failure to pay premiums when due may result in policy cancellation or lapse of coverage.
Refunds
Refund policies vary by insurer and policy type. We will assist you in understanding and processing any eligible refunds according to the terms of your specific policy.
Service Availability
We strive to maintain continuous availability of our Services, but we do not guarantee uninterrupted access. We may suspend or modify our Services for maintenance, updates, or other operational reasons.
Insurance Coverage
We provide information and assistance in obtaining insurance coverage, but we do not guarantee that coverage will be available or that claims will be paid. Coverage is subject to the terms and conditions of the insurance policy issued by the insurer.
Third-Party Services
Our Services may include links to or integration with third-party websites or services. We are not responsible for the content, privacy practices, or terms of service of third-party providers.
To the maximum extent permitted by law, Wingra Insurance Agency shall not be liable for:
- Any indirect, incidental, special, or consequential damages
- Loss of profits, revenue, data, or business opportunities
- Damages resulting from third-party actions or omissions
- Damages exceeding the fees paid to us in the 12 months preceding the claim
- Damages resulting from your failure to maintain adequate insurance coverage
This limitation applies regardless of the theory of liability, whether based on warranty, contract, statute, tort, or otherwise.
You agree to indemnify, defend, and hold harmless Wingra Insurance Agency, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses arising from:
- Your use of our Services
- Your violation of these Terms
- Your violation of any applicable laws or regulations
- Any false or misleading information you provide
- Your infringement of any third-party rights
All content, features, and functionality of our Services, including but not limited to text, graphics, logos, images, software, and design, are owned by Wingra Insurance Agency or our licensors and are protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works of our content without our express written permission.
Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.
We may terminate or suspend your access to our Services at any time, with or without cause, and with or without notice. You may also terminate your use of our Services at any time.
Upon termination, your right to use our Services will cease immediately. However, any insurance policies obtained through our Services will remain in effect according to their terms.
These Terms are governed by and construed in accordance with the laws of Kenya. Any disputes arising from or relating to these Terms or our Services shall be resolved through the courts of Kenya.
Before pursuing legal action, we encourage you to contact us to resolve any disputes informally.
We may update these Terms from time to time to reflect changes in our practices, services, or applicable laws. We will notify you of any material changes by posting the updated Terms on our website and updating the "Last Updated" date.
Your continued use of our Services after such changes constitutes acceptance of the updated Terms.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect and enforceable.
These Terms, together with our Privacy Policy and any other legal notices published by us on our Services, constitute the entire agreement between you and Wingra Insurance Agency concerning our Services and supersede all prior or contemporaneous communications and proposals.
If you have any questions about these Terms of Service, please contact us:
Wingra Insurance Agency
Bruce House, Nairobi, Kenya
Email: info@wingra.co.ke
Phone: +254 797299134
We will respond to your inquiry within 1 business days.
Wingra Insurance Agency is regulated by the Insurance Regulatory Authority (IRA) of Kenya. Our operations comply with all applicable insurance laws and regulations in Kenya.
Regulatory Authority: Insurance Regulatory Authority (IRA)
Website: wwww.wingra.co.ke