Terms & Conditions

Legal basis – Seychelles

The Insurance App is operated in accordance with the Insurance Act of Seychelles and relevant data protection regulations. All insurance contracts and services are subject to the laws of the Republic of Seychelles.

• These terms apply to all users (individuals and corporate) accessing the app.
• By registering, you confirm that you are at least 18 years old and have legal capacity.
• We reserve the right to update terms; material changes will be notified via email or in-app.

The app provides four core modules. Use of each module implies acceptance of specific conditions:

Quote generation & validity

• Quotes are based on information you provide; inaccuracies may void the quote.
• For Life insurance, quotes may require medical underwriting and are subject to approval.
• General insurance quotes (motor, home, travel) are indicative and may change based on risk assessment.
• We reserve the right to decline or adjust any quote at our discretion.

Access & accuracy

• Policy documents displayed in the app are for convenience; the official policy contract prevails.
• You can view premium payment history, next due dates, and coverage summaries.
• Any changes to personal details or beneficiaries must be submitted in writing and approved.
• Policy cancellation or alteration requests must follow the procedure outlined in your policy.

Submission & settlement

• Claims must be submitted within the notification period specified in your policy.
• For General claims (e.g., motor, property), we may require inspection or police reports.
• Life claims require a claim form, death certificate, and policy document.
• All claims are subject to investigation, and we may request additional information.
• We aim to settle valid claims within 30 days of receiving all required documents.

Your responsibilities

• You are solely responsible for all activities under your account.
• Enable two‑factor authentication (2FA) for enhanced security.
• We process personal data in accordance with the Seychelles Data Protection Act and our Privacy Policy.
• You may request account deletion via the dedicated deletion request form (data will be retained as required by law).
• We may suspend or terminate accounts for breach of these terms or fraudulent activity.

Limitations

• The app is provided “as is” and we do not guarantee uninterrupted or error‑free operation.
• We are not liable for any indirect, incidental, or consequential damages arising from use of the app.
• Our total liability is limited to the amount of premiums paid in the 12 months prior to the claim.
• Nothing in these terms excludes liability for fraud or death/personal injury caused by negligence.

Seychelles jurisdiction

• These terms are governed by the laws of the Republic of Seychelles.
• Any dispute arising from these terms or the app shall be submitted to the exclusive jurisdiction of the courts of Seychelles.
• Alternative dispute resolution (mediation/arbitration) may be pursued before litigation.

Changes & support

• We may revise these terms from time to time. The latest version will always be available in the app.
• Material changes will be communicated via email or in‑app notification.
• For questions or support, contact our Seychelles office at help@insurance.sc or call +248 4 123 456.