T&Cs
T&Cs
T&Cs
TERMS AND CONDITIONS OF WEBSITE.
1. Definitions and Interpretation
1.1 Definitions
1.1.1. “Terms and Conditions” means a legally binding agreement between you and the owner
and operator of this website These Terms set forth the rules and guidelines governing your
use of our website, as well as the relationship between you as a visitor or user and us as
the website owner. By accessing or using the website, you agree to comply with and be
bound by these Terms.
1.1.2. “SwissLife Africa Limited” means a legally registered company operating under the laws
of Kenya and is the owner and operator of the website and is responsible for providing the
services, content, and resources available through the Website.
1.1.3. “User” Means any individual or entity who accesses, browses, or uses the Website and/or
its services, whether registered or unregistered.
1.1.4. “Website” means the online platform and any associated subdomains, applications, or
digital interfaces operated by SwissLife Africa Limited.
1.1.5. “Services” means all products, features, functionalities, and offerings provided by
SwissLife Africa Limited through the Website, including but not limited to financial
advisory, insurance, investment products, client support, and digital tools.
1.1.6. “Content” means all information, text, graphics, images, audio, video, software, and other
materials available on or through the Website, whether created by SwissLife Africa
Limited or users.
1.1.7. “Account” -means a user account registered on the Website that allows access to certain
features or services, requiring the provision of personal information and credentials.
1.1.8. “User Content” means any content, including but not limited to comments, reviews,
feedback, or other materials, submitted or posted by Users on or through the Website.
1.1.9. “Subscription” means recurring service or access plan purchased by a User, which is
billed on a regular basis as detailed in the Terms.
1.1.10. “User Agreement” means the agreement between the User and SwissLife Africa Limited
constituted by the acceptance of these Terms and Conditions.
2. Acceptance of terms.
By accessing or using Swisslife Africa Limited website, you agree to be bound by these Terms
and Conditions, our Privacy Policy, and any additional terms and policies referenced herein. If
you do not agree with any part of this Agreement, you must not access or use the Website. By
using the Website, you affirm that:
(a) You have read, understood, and accepted these Terms
(b) You are legally capable of entering into a binding agreement and
(c) You are of legal age in your jurisdiction (18 years or older), or have obtained parental or
guardian consenPage 3 of 9
If you are accessing the Website on behalf of a company or organization, you represent that you
have the authority to bind that entity to these Terms. In such cases, “you” refers to both the
individual user and the entity they represent.
3. Changes to terms
SwissLife Africa Limited reserves the right to update, revise, or modify these Terms and
Conditions at any time, without prior notice. Any changes will become effective immediately
upon being posted on this Website, unless otherwise stated. It is your responsibility to regularly
review the Terms and Conditions to stay informed of any updates. Your continued access to or
use of the Website following the posting of revised Terms constitutes your acceptance of those
changes. If you do not agree to the modified Terms, you must discontinue using the Website
immediately.
4. Account Registration.
To access certain features or services on the Website, you may be required to create an account
with SwissLife Africa Limited. When registering for an account, you agree to provide accurate,
current, and complete information as requested. You are responsible for maintaining the
confidentiality of your account credentials, including your username and password. SwissLife
Africa Limited reserves the right to suspend, restrict, or terminate your account at our discretion,
including if we believe that any information you provided is inaccurate, misleading, or violates
these Terms. By registering an account, you agree that:
a. You will not impersonate any person or entity, or use false information
b. You will update your account details promptly if any information changes
c. You are solely responsible for all activity that occurs under your account, whether
authorized by you or not.
5. Privacy policy
Your use of the Website is subject to the SwissLife Africa Limited Privacy Policy, which governs
how we collect, use, disclose, and protect your personal information. By accessing or using the
Website, you consent to the collection and use of your information in accordance with our Privacy
Policy. We are committed to protecting your privacy and handling your data in a transparent and
secure manner. The Privacy Policy includes details on: What personal information we collect,
how we use and share your information, your rights and choices regarding your data and our
security practices and data retention policies
6. User Conduct
By using the Website, you agree to use it only for lawful purposes and in a manner that does not
infringe upon the rights of, restrict, or inhibit the use and enjoyment of the Website by any third
party. SwissLife Africa Limited reserves the right to investigate violations of these Terms and to
take appropriate legal action, including reporting to law enforcement authorities, for any illegal
or unauthorized use of the Website.Page 4 of 9
(i) Use the Website in any way that violates any applicable local, national, or international
law or regulation
(ii) Engage in any conduct that is unlawful, threatening, abusive, defamatory, obscene,
harassing, or otherwise objectionable
(iii) Misrepresent your identity or affiliation with any person or entity
(iv) Introduce viruses, trojans, worms, logic bombs, or other material that is malicious or
technologically harmful
(v) Attempt to gain unauthorized access to any part of the Website, server, or network
(vi) Use any robot, spider, scraper, or other automated means to access the Website for any
purpose without our express written permission.
7. User Generated Content
SwissLife Africa Limited may, from time to time, allow users to submit or share content through
the Website, such as comments, feedback, testimonials, reviews, or other materials. SwissLife
Africa Limited assumes no responsibility for the accuracy, reliability, or completeness of any User
Content and disclaims all liability arising from its use. By submitting User Content, you agree
that:
(i) You retain ownership of any intellectual property rights in your content, but you grant
SwissLife Africa Limited a worldwide, non-exclusive, royalty-free, transferable, and
sublicensable license to use, reproduce, display, distribute, and otherwise exploit your
content in connection with the operation and promotion of the Website and our services
(ii) Your content does not infringe upon or violate the rights of any third party, including but
not limited to copyright, trademark, privacy, or other personal or proprietary rights
(iii) Your content is not false, misleading, unlawful, harmful, abusive, defamatory, obscene,
or otherwise objectionable
(iv) You are solely responsible for the content you submit, and SwissLife Africa Limited has
no obligation to monitor, screen, or edit such content
(v) We reserve the right to remove or refuse to display any User Content at our sole discretion,
without notice or liability.
8. Third – Party services and links
The Website may contain links to third-party websites, services, or resources that are not owned
or controlled by SwissLife Africa Limited. These links are provided solely for your convenience
and do not imply any endorsement, sponsorship, or affiliation by SwissLife Africa Limited with
those third parties. SwissLife Africa Limited does not control, review, or monitor any third-party
websites or services and is not responsible for their content, privacy practices, or business
practices. Your interactions with such third parties, including any purchases, communications,Page 5 of 9
or transactions, are solely between you and the third party. You agree that SwissLife Africa
Limited shall not be liable for any damages or losses arising from your use of, or reliance on, any
third-party websites, services, or content. We recommend reviewing the terms, conditions, and
privacy policies of any third-party sites or services you visit.
9. Purchase and payments
9.1 Where applicable, SwissLife Africa Limited offers products or services for purchase
through the Website. By placing an order, you agree to provide accurate, complete, and
current information necessary to process your transaction.
9.2 You authorize SwissLife Africa Limited, or its authorized payment processors, to charge
the payment method you provide for the total amount of your purchase, including any
applicable taxes or fees.
9.3 All payments are subject to validation and authorization by the payment provider. We
reserve the right to refuse or cancel any order if payment is declined or if there is suspicion
of fraudulent activity.
9.4 Prices for products and services are subject to change without prior notice. SwissLife
Africa Limited will confirm the final price at the time of purchase. You agree to pay all
charges incurred by you or anyone using your account, including applicable taxes.
10. Shipping Terms
10.1 All products are shipped from our central warehouse in the United Kingdom to our
Nairobi distribution hub via consolidated sea freight.
10.2 Estimated shipping time from dispatch in the UK to arrival in Nairobi is 14–21
business days, subject to customs clearance and port handling times.
10.3 Shipping is done in bulk shipments, and customers will be notified once their order is
cleared and ready for local delivery.
10.4 Once products arrive in Nairobi, we dispatch orders using our motorcycle-based last-
mile delivery network.
10.5 Estimated delivery time within Nairobi is 1–2 business days, and 1–3 business days
for other regions, depending on location.
10.6 Delivery fees are calculated based on distance, ranging from KES 200 to KES 400 per
delivery.
10.7 Customers will receive tracking details or a dispatch confirmation once delivery is
scheduled.
For select items designated as “Monthly Bulk Orders”, the following terms apply:
10.8 Orders will be collected on the first working day of each month and consolidated into
a bulk shipment.
10.9 Estimated delivery time for these orders is 35 days from the date of order, covering
UK dispatch, seaPage 6 of 9
10.10 Customers will be clearly notified at the point of sale when an item qualifies as part of
this shipping model.
10.11 No expedited delivery is available for bulk monthly shipments.
11. Customs, Taxes & Customer Responsibility
11.1 All shipments are processed through Kenya Revenue Authority (KRA) and Kenya
Bureau of Standards (KEBS) in compliance with local laws.
11.2 SwissLife Africa Ltd. shall handle import clearance procedures, but:
i. Any delays caused by regulatory agencies or additional inspections are outside
our control.
ii. Customers are responsible for ensuring that the product ordered complies
with any applicable personal use or resale restrictions.
11.3 By placing an order, the customer agrees to assume responsibility for any customs-
related limitations or rejections pertaining to the product.
12. Subscriptions and recurring bills.
For services offered on a subscription or recurring billing basis, by subscribing you authorize
SwissLife Africa Limited to charge your chosen payment method automatically on the agreed
schedule until you cancel your subscription. Subscription fees will be billed in advance and are
non-refundable, except as required by applicable law or as expressly stated in our Refund Policy.
You are responsible for keeping your payment information up to date to avoid service
interruptions. Failure to provide valid payment information may result in suspension or
termination of your subscription. You may cancel your subscription at any time by following the
cancellation procedures outlined in your account settings or by contacting our customer support
team. Cancellation will take effect at the end of the current billing period unless otherwise
specified. SwissLife Africa Limited reserves the right to modify subscription fees or terms, but
will provide advance notice of any significant changes.
13. Refund Policy
SwissLife Africa Limited strives to provide high-quality services and client satisfaction. However,
due to the nature of certain financial or advisory services, all payments made to us are generally
non-refundable, unless otherwise required by applicable law or stated in a specific agreement.
You cancel a subscription in accordance with the applicable cancellation terms and are eligible
for a prorated refund. To request a refund, you must submit a written request within 14 days of
the payment date, providing full details and proof of purchase. SwissLife Africa Limited reserves
the right to decline refund requests that do not meet these criteria or appear fraudulent, excessive,
or abusive. This Refund Policy may be updated from time to time, and the latest version will
always be available on our Website. Refunds may be issued only under the following conditions:
i. A service was not delivered as promised due to an error or fault on our part
ii. A duplicate payment was made in errorPage 7 of 9
14. Availability of Services.
SwissLife Africa Limited makes every effort to ensure that the Website and its services are
available at all times. However, we do not guarantee uninterrupted access to the Website or that
it will be error-free, timely, or secure. We recommend that users maintain backup copies of any
content or data submitted to or obtained from the Website, especially when using any business
or investment-related tools or services. You acknowledge that:
i. Access may be temporarily suspended or restricted due to maintenance, upgrades,
system failures, or circumstances beyond our control
ii. We may, at our sole discretion, modify or discontinue any part of the Website or services
without prior notice
iii. SwissLife Africa Limited shall not be liable for any loss, damage, or inconvenience caused
by the unavailability, suspension, or discontinuation of the Website or any service.
15. Liability & Diclaimers
15.1 SwissLife Africa Ltd. shall not be held liable for delays caused by customs clearance,
force majeure events, or port-related disruptions.
15.2 We are not responsible for loss or damage after delivery has been completed at the
customer’s specified address.
15.3 In case of loss or damage prior to delivery, we will coordinate with the shipping and
delivery partners to facilitate a resolution where possible.
15.4 Customers are encouraged to double-check delivery information before confirming
orders. SwissLife Africa Ltd. will not be liable for failed deliveries caused by incorrect
address details.
15.5 You agree that SwissLife Africa Limited shall not be liable to you or any third party
for any modification, suspension, or discontinuation of your access to the Website or
services.
16. Intellectual property
You agree that all materials, products, and services provided on this website are the property of
Swisslife, its affiliates, directors, officers, employees, agents, suppliers, or licensors including all
copyrights, trade secrets, trademarks, patents, and other intellectual property. You also agree that
you will not reproduce or redistribute the Swisslife Africa Limited’s intellectual property in any
way, including electronic, digital, or new trademark registrations.
You grant Swisslife Africa Limited a royalty-free and non-exclusive license to display, use, copy,
transmit, and broadcast the content you upload and publish. For issues regarding intellectual
property claims, you should contact the company in order to come to an agreement.Page 8 of 9
17. Disclaimer of Warranties.
The Website and all services, content, and materials provided by SwissLife Africa Limited are
offered on an “as is” and “as available” basis, without warranties of any kind, whether express,
implied, or statutory. SwissLife Africa Limited does not guarantee that the Website or its content
will meet your expectations or requirements, nor that any errors or defects will be corrected. You
use the Website and all related services at your own risk. Any information, advice, or services
provided through the Website do not constitute financial, legal, or investment advice unless
explicitly stated. To the fullest extent permitted by applicable law, SwissLife Africa Limited
disclaims all warranties, express or implied, including but not limited to:
i. Implied warranties of merchantability, fitness for a particular purpose, non-infringement, and
accuracy
ii. Warranties that access to the Website will be uninterrupted, timely, secure, or error-free
iii. Warranties as to the reliability, completeness, or correctness of any content or information
provided.
18. Disputes
Any dispute related in any way to your use of this website or to products you purchase from us
shall be litigated in a Kenyan Court and you consent to exclusive jurisdiction and venue of such
courts.
19. Indemnification
You agree to indemnify, defend, and hold harmless SwissLife Africa Limited, its affiliates,
directors, officers, employees, agents, partners, and licensors from and against any and all claims,
demands, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising
out of or related to:
i. Your use or misuse of the Website or its services
ii. Any breach of these Terms and Conditions or violation of any applicable law
iii. Any content you submit, post, or otherwise transmit through the Website
iv. Your violation of the rights of any third party, including intellectual property or privacy
rights.
SwissLife Africa Limited reserves the right, at your expense, to assume the exclusive defense and
control of any matter for which you are required to indemnify us. You agree to cooperate fully in
the defense of such claims. This indemnity obligation will survive the termination or expiration
of these Terms and your use of the Website.Page 9 of 9
20. Governing Laws
These Terms and Conditions, and any dispute or claim arising out of or in connection with them
or their subject matter (including non-contractual disputes or claims), shall be governed by and
construed in accordance with the laws of the Republic of Kenya.
21. Severability.
If any provision of these Terms and Conditions is found to be unlawful, void, or unenforceable
for any reason under applicable law, that provision shall be deemed severable from the rest of
the Terms and shall not affect the validity and enforceability of any remaining provisions. The
remaining parts of these Terms will continue in full force and effect and will be interpreted so as
to best accomplish the intent of the original provision, to the fullest extent permitted by law.
SwissLife Africa Limited’s failure to enforce any right or provision under these Terms shall not
constitute a waiver of such right or provision.
22. Conditions of use
By using this website, you certify that you have read and reviewed this Agreement and that you
agree to comply with its terms. If you do not want to be bound by the terms of this Agreement,
you are advised to stop using the website accordingly. Swisslife Africa Limited only grants use
and access of this website, its products, and its services to those who have accepted its terms.
23. Contact Information.
If you have any questions, concerns, or comments regarding these Terms and Conditions or the
use of the Website, you may contact us through the following channels:
SwissLife Africa Limited
Email: info@swisslifeafrica.com
Tel: +254 796 604 941
TERMS AND CONDITIONS OF WEBSITE.
1. Definitions and Interpretation
1.1 Definitions
1.1.1. “Terms and Conditions” means a legally binding agreement between you and the owner
and operator of this website These Terms set forth the rules and guidelines governing your
use of our website, as well as the relationship between you as a visitor or user and us as
the website owner. By accessing or using the website, you agree to comply with and be
bound by these Terms.
1.1.2. “SwissLife Africa Limited” means a legally registered company operating under the laws
of Kenya and is the owner and operator of the website and is responsible for providing the
services, content, and resources available through the Website.
1.1.3. “User” Means any individual or entity who accesses, browses, or uses the Website and/or
its services, whether registered or unregistered.
1.1.4. “Website” means the online platform and any associated subdomains, applications, or
digital interfaces operated by SwissLife Africa Limited.
1.1.5. “Services” means all products, features, functionalities, and offerings provided by
SwissLife Africa Limited through the Website, including but not limited to financial
advisory, insurance, investment products, client support, and digital tools.
1.1.6. “Content” means all information, text, graphics, images, audio, video, software, and other
materials available on or through the Website, whether created by SwissLife Africa
Limited or users.
1.1.7. “Account” -means a user account registered on the Website that allows access to certain
features or services, requiring the provision of personal information and credentials.
1.1.8. “User Content” means any content, including but not limited to comments, reviews,
feedback, or other materials, submitted or posted by Users on or through the Website.
1.1.9. “Subscription” means recurring service or access plan purchased by a User, which is
billed on a regular basis as detailed in the Terms.
1.1.10. “User Agreement” means the agreement between the User and SwissLife Africa Limited
constituted by the acceptance of these Terms and Conditions.
2. Acceptance of terms.
By accessing or using Swisslife Africa Limited website, you agree to be bound by these Terms
and Conditions, our Privacy Policy, and any additional terms and policies referenced herein. If
you do not agree with any part of this Agreement, you must not access or use the Website. By
using the Website, you affirm that:
(a) You have read, understood, and accepted these Terms
(b) You are legally capable of entering into a binding agreement and
(c) You are of legal age in your jurisdiction (18 years or older), or have obtained parental or
guardian consenPage 3 of 9
If you are accessing the Website on behalf of a company or organization, you represent that you
have the authority to bind that entity to these Terms. In such cases, “you” refers to both the
individual user and the entity they represent.
3. Changes to terms
SwissLife Africa Limited reserves the right to update, revise, or modify these Terms and
Conditions at any time, without prior notice. Any changes will become effective immediately
upon being posted on this Website, unless otherwise stated. It is your responsibility to regularly
review the Terms and Conditions to stay informed of any updates. Your continued access to or
use of the Website following the posting of revised Terms constitutes your acceptance of those
changes. If you do not agree to the modified Terms, you must discontinue using the Website
immediately.
4. Account Registration.
To access certain features or services on the Website, you may be required to create an account
with SwissLife Africa Limited. When registering for an account, you agree to provide accurate,
current, and complete information as requested. You are responsible for maintaining the
confidentiality of your account credentials, including your username and password. SwissLife
Africa Limited reserves the right to suspend, restrict, or terminate your account at our discretion,
including if we believe that any information you provided is inaccurate, misleading, or violates
these Terms. By registering an account, you agree that:
a. You will not impersonate any person or entity, or use false information
b. You will update your account details promptly if any information changes
c. You are solely responsible for all activity that occurs under your account, whether
authorized by you or not.
5. Privacy policy
Your use of the Website is subject to the SwissLife Africa Limited Privacy Policy, which governs
how we collect, use, disclose, and protect your personal information. By accessing or using the
Website, you consent to the collection and use of your information in accordance with our Privacy
Policy. We are committed to protecting your privacy and handling your data in a transparent and
secure manner. The Privacy Policy includes details on: What personal information we collect,
how we use and share your information, your rights and choices regarding your data and our
security practices and data retention policies
6. User Conduct
By using the Website, you agree to use it only for lawful purposes and in a manner that does not
infringe upon the rights of, restrict, or inhibit the use and enjoyment of the Website by any third
party. SwissLife Africa Limited reserves the right to investigate violations of these Terms and to
take appropriate legal action, including reporting to law enforcement authorities, for any illegal
or unauthorized use of the Website.Page 4 of 9
(i) Use the Website in any way that violates any applicable local, national, or international
law or regulation
(ii) Engage in any conduct that is unlawful, threatening, abusive, defamatory, obscene,
harassing, or otherwise objectionable
(iii) Misrepresent your identity or affiliation with any person or entity
(iv) Introduce viruses, trojans, worms, logic bombs, or other material that is malicious or
technologically harmful
(v) Attempt to gain unauthorized access to any part of the Website, server, or network
(vi) Use any robot, spider, scraper, or other automated means to access the Website for any
purpose without our express written permission.
7. User Generated Content
SwissLife Africa Limited may, from time to time, allow users to submit or share content through
the Website, such as comments, feedback, testimonials, reviews, or other materials. SwissLife
Africa Limited assumes no responsibility for the accuracy, reliability, or completeness of any User
Content and disclaims all liability arising from its use. By submitting User Content, you agree
that:
(i) You retain ownership of any intellectual property rights in your content, but you grant
SwissLife Africa Limited a worldwide, non-exclusive, royalty-free, transferable, and
sublicensable license to use, reproduce, display, distribute, and otherwise exploit your
content in connection with the operation and promotion of the Website and our services
(ii) Your content does not infringe upon or violate the rights of any third party, including but
not limited to copyright, trademark, privacy, or other personal or proprietary rights
(iii) Your content is not false, misleading, unlawful, harmful, abusive, defamatory, obscene,
or otherwise objectionable
(iv) You are solely responsible for the content you submit, and SwissLife Africa Limited has
no obligation to monitor, screen, or edit such content
(v) We reserve the right to remove or refuse to display any User Content at our sole discretion,
without notice or liability.
8. Third – Party services and links
The Website may contain links to third-party websites, services, or resources that are not owned
or controlled by SwissLife Africa Limited. These links are provided solely for your convenience
and do not imply any endorsement, sponsorship, or affiliation by SwissLife Africa Limited with
those third parties. SwissLife Africa Limited does not control, review, or monitor any third-party
websites or services and is not responsible for their content, privacy practices, or business
practices. Your interactions with such third parties, including any purchases, communications,Page 5 of 9
or transactions, are solely between you and the third party. You agree that SwissLife Africa
Limited shall not be liable for any damages or losses arising from your use of, or reliance on, any
third-party websites, services, or content. We recommend reviewing the terms, conditions, and
privacy policies of any third-party sites or services you visit.
9. Purchase and payments
9.1 Where applicable, SwissLife Africa Limited offers products or services for purchase
through the Website. By placing an order, you agree to provide accurate, complete, and
current information necessary to process your transaction.
9.2 You authorize SwissLife Africa Limited, or its authorized payment processors, to charge
the payment method you provide for the total amount of your purchase, including any
applicable taxes or fees.
9.3 All payments are subject to validation and authorization by the payment provider. We
reserve the right to refuse or cancel any order if payment is declined or if there is suspicion
of fraudulent activity.
9.4 Prices for products and services are subject to change without prior notice. SwissLife
Africa Limited will confirm the final price at the time of purchase. You agree to pay all
charges incurred by you or anyone using your account, including applicable taxes.
10. Shipping Terms
10.1 All products are shipped from our central warehouse in the United Kingdom to our
Nairobi distribution hub via consolidated sea freight.
10.2 Estimated shipping time from dispatch in the UK to arrival in Nairobi is 14–21
business days, subject to customs clearance and port handling times.
10.3 Shipping is done in bulk shipments, and customers will be notified once their order is
cleared and ready for local delivery.
10.4 Once products arrive in Nairobi, we dispatch orders using our motorcycle-based last-
mile delivery network.
10.5 Estimated delivery time within Nairobi is 1–2 business days, and 1–3 business days
for other regions, depending on location.
10.6 Delivery fees are calculated based on distance, ranging from KES 200 to KES 400 per
delivery.
10.7 Customers will receive tracking details or a dispatch confirmation once delivery is
scheduled.
For select items designated as “Monthly Bulk Orders”, the following terms apply:
10.8 Orders will be collected on the first working day of each month and consolidated into
a bulk shipment.
10.9 Estimated delivery time for these orders is 35 days from the date of order, covering
UK dispatch, seaPage 6 of 9
10.10 Customers will be clearly notified at the point of sale when an item qualifies as part of
this shipping model.
10.11 No expedited delivery is available for bulk monthly shipments.
11. Customs, Taxes & Customer Responsibility
11.1 All shipments are processed through Kenya Revenue Authority (KRA) and Kenya
Bureau of Standards (KEBS) in compliance with local laws.
11.2 SwissLife Africa Ltd. shall handle import clearance procedures, but:
i. Any delays caused by regulatory agencies or additional inspections are outside
our control.
ii. Customers are responsible for ensuring that the product ordered complies
with any applicable personal use or resale restrictions.
11.3 By placing an order, the customer agrees to assume responsibility for any customs-
related limitations or rejections pertaining to the product.
12. Subscriptions and recurring bills.
For services offered on a subscription or recurring billing basis, by subscribing you authorize
SwissLife Africa Limited to charge your chosen payment method automatically on the agreed
schedule until you cancel your subscription. Subscription fees will be billed in advance and are
non-refundable, except as required by applicable law or as expressly stated in our Refund Policy.
You are responsible for keeping your payment information up to date to avoid service
interruptions. Failure to provide valid payment information may result in suspension or
termination of your subscription. You may cancel your subscription at any time by following the
cancellation procedures outlined in your account settings or by contacting our customer support
team. Cancellation will take effect at the end of the current billing period unless otherwise
specified. SwissLife Africa Limited reserves the right to modify subscription fees or terms, but
will provide advance notice of any significant changes.
13. Refund Policy
SwissLife Africa Limited strives to provide high-quality services and client satisfaction. However,
due to the nature of certain financial or advisory services, all payments made to us are generally
non-refundable, unless otherwise required by applicable law or stated in a specific agreement.
You cancel a subscription in accordance with the applicable cancellation terms and are eligible
for a prorated refund. To request a refund, you must submit a written request within 14 days of
the payment date, providing full details and proof of purchase. SwissLife Africa Limited reserves
the right to decline refund requests that do not meet these criteria or appear fraudulent, excessive,
or abusive. This Refund Policy may be updated from time to time, and the latest version will
always be available on our Website. Refunds may be issued only under the following conditions:
i. A service was not delivered as promised due to an error or fault on our part
ii. A duplicate payment was made in errorPage 7 of 9
14. Availability of Services.
SwissLife Africa Limited makes every effort to ensure that the Website and its services are
available at all times. However, we do not guarantee uninterrupted access to the Website or that
it will be error-free, timely, or secure. We recommend that users maintain backup copies of any
content or data submitted to or obtained from the Website, especially when using any business
or investment-related tools or services. You acknowledge that:
i. Access may be temporarily suspended or restricted due to maintenance, upgrades,
system failures, or circumstances beyond our control
ii. We may, at our sole discretion, modify or discontinue any part of the Website or services
without prior notice
iii. SwissLife Africa Limited shall not be liable for any loss, damage, or inconvenience caused
by the unavailability, suspension, or discontinuation of the Website or any service.
15. Liability & Diclaimers
15.1 SwissLife Africa Ltd. shall not be held liable for delays caused by customs clearance,
force majeure events, or port-related disruptions.
15.2 We are not responsible for loss or damage after delivery has been completed at the
customer’s specified address.
15.3 In case of loss or damage prior to delivery, we will coordinate with the shipping and
delivery partners to facilitate a resolution where possible.
15.4 Customers are encouraged to double-check delivery information before confirming
orders. SwissLife Africa Ltd. will not be liable for failed deliveries caused by incorrect
address details.
15.5 You agree that SwissLife Africa Limited shall not be liable to you or any third party
for any modification, suspension, or discontinuation of your access to the Website or
services.
16. Intellectual property
You agree that all materials, products, and services provided on this website are the property of
Swisslife, its affiliates, directors, officers, employees, agents, suppliers, or licensors including all
copyrights, trade secrets, trademarks, patents, and other intellectual property. You also agree that
you will not reproduce or redistribute the Swisslife Africa Limited’s intellectual property in any
way, including electronic, digital, or new trademark registrations.
You grant Swisslife Africa Limited a royalty-free and non-exclusive license to display, use, copy,
transmit, and broadcast the content you upload and publish. For issues regarding intellectual
property claims, you should contact the company in order to come to an agreement.Page 8 of 9
17. Disclaimer of Warranties.
The Website and all services, content, and materials provided by SwissLife Africa Limited are
offered on an “as is” and “as available” basis, without warranties of any kind, whether express,
implied, or statutory. SwissLife Africa Limited does not guarantee that the Website or its content
will meet your expectations or requirements, nor that any errors or defects will be corrected. You
use the Website and all related services at your own risk. Any information, advice, or services
provided through the Website do not constitute financial, legal, or investment advice unless
explicitly stated. To the fullest extent permitted by applicable law, SwissLife Africa Limited
disclaims all warranties, express or implied, including but not limited to:
i. Implied warranties of merchantability, fitness for a particular purpose, non-infringement, and
accuracy
ii. Warranties that access to the Website will be uninterrupted, timely, secure, or error-free
iii. Warranties as to the reliability, completeness, or correctness of any content or information
provided.
18. Disputes
Any dispute related in any way to your use of this website or to products you purchase from us
shall be litigated in a Kenyan Court and you consent to exclusive jurisdiction and venue of such
courts.
19. Indemnification
You agree to indemnify, defend, and hold harmless SwissLife Africa Limited, its affiliates,
directors, officers, employees, agents, partners, and licensors from and against any and all claims,
demands, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising
out of or related to:
i. Your use or misuse of the Website or its services
ii. Any breach of these Terms and Conditions or violation of any applicable law
iii. Any content you submit, post, or otherwise transmit through the Website
iv. Your violation of the rights of any third party, including intellectual property or privacy
rights.
SwissLife Africa Limited reserves the right, at your expense, to assume the exclusive defense and
control of any matter for which you are required to indemnify us. You agree to cooperate fully in
the defense of such claims. This indemnity obligation will survive the termination or expiration
of these Terms and your use of the Website.Page 9 of 9
20. Governing Laws
These Terms and Conditions, and any dispute or claim arising out of or in connection with them
or their subject matter (including non-contractual disputes or claims), shall be governed by and
construed in accordance with the laws of the Republic of Kenya.
21. Severability.
If any provision of these Terms and Conditions is found to be unlawful, void, or unenforceable
for any reason under applicable law, that provision shall be deemed severable from the rest of
the Terms and shall not affect the validity and enforceability of any remaining provisions. The
remaining parts of these Terms will continue in full force and effect and will be interpreted so as
to best accomplish the intent of the original provision, to the fullest extent permitted by law.
SwissLife Africa Limited’s failure to enforce any right or provision under these Terms shall not
constitute a waiver of such right or provision.
22. Conditions of use
By using this website, you certify that you have read and reviewed this Agreement and that you
agree to comply with its terms. If you do not want to be bound by the terms of this Agreement,
you are advised to stop using the website accordingly. Swisslife Africa Limited only grants use
and access of this website, its products, and its services to those who have accepted its terms.
23. Contact Information.
If you have any questions, concerns, or comments regarding these Terms and Conditions or the
use of the Website, you may contact us through the following channels:
SwissLife Africa Limited
Email: info@swisslifeafrica.com
Tel: +254 796 604 941
