1. Overview

Insurlink is an online insurance comparison and management platform that allows users to view, compare, and purchase insurance policies from registered third-party providers. We do not issue insurance policies ourselves but serve as an aggregator and facilitator.

2. Eligibility

You must be at least 18 years of age to use Insurlink. By using our services, you confirm that you meet this requirement and are legally capable of entering into a binding agreement.

3. User Account

To access certain features, you must create an account by providing accurate and up-to-date information. You are responsible for maintaining the confidentiality of your login credentials. Insurlink is not liable for any unauthorized access resulting from your failure to protect your account details.

4. Use of Services

By using Insurlink, you agree to provide accurate and lawful information during registration and KYC, not use the platform for fraudulent or illegal activities, respect the intellectual property and rights of others, and not interfere with or disrupt the platform's security or functionality.

• Provide accurate and lawful information during registration and KYC
• Not use the platform for fraudulent or illegal activities
• Respect the intellectual property and rights of others
• Not interfere with or disrupt the platform's security or functionality

5. Insurance Products & Providers

Insurlink partners with licensed third-party insurance companies. While we display policy details and allow real-time comparison, the final policy terms and approvals are subject to the provider's terms and discretion. We do not guarantee policy issuance, pricing, or claim success.

6. Payments

All payments are processed securely through authorized third-party gateways. By submitting payment, you agree to the terms of the respective payment processor and insurance provider.

7. KYC and Identity Verification

To comply with legal and financial regulations, we may require users to submit identity verification documents. You consent to the collection, processing, and secure storage of this data as described in our Privacy Policy.

8. Intellectual Property

All content on the Insurlink platform—including logos, design, software, and copy—is the property of Insurlink or its licensors. You may not reproduce, copy, or redistribute any content without written permission.

9. Limitation of Liability

Insurlink is not responsible for any financial loss or damage caused by insurance providers or failed claims, delays or interruptions to services due to technical or external factors, or user decisions based on inaccurate, outdated, or incomplete data submitted by providers. All content is provided "as-is" without warranties of any kind.

• Any financial loss or damage caused by insurance providers or failed claims
• Delays or interruptions to services due to technical or external factors
• User decisions based on inaccurate, outdated, or incomplete data submitted by providers

10. Termination

Insurlink may suspend or terminate your account if you violate these Terms or use the platform in a way that harms other users, insurers, or the system. You may also delete your account at any time by contacting support.

11. Modifications

We may update these Terms from time to time. You will be notified of material changes through email or platform alerts. Continued use of the platform after changes take effect constitutes acceptance of the revised Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.