Website Terms and Conditions of Use:
These Terms and Conditions ("the Terms and Conditions") govern your ("the User" / "You") use of the (JoyInc Insurance Agency and JoyInc Solutions Limited ) website located at the domain name (www.joyinc.co.ke) ("the Website"). By accessing and using the Website, the User agrees to be bound by the Terms and Conditions set out in this legal notice. If the User does not wish to be bound by these Terms and Conditions, the User may not access, display, use, download, and/or otherwise copy or distribute any Content obtained from the Website. These Terms and Conditions become effective when you access the site for the first time and constitute a binding agreement between JoyInc Insurance Agency and JoyInc Solutions Limited Ltd on one hand and the User, which will always prevail. The current version of these Terms and Conditions will govern our respective rights and obligations each time you access this site.
JoyInc Insurance Agency and JoyInc Solutions Limited online products and services ("Online Services") are subject to registration procedures and approvals, which JoyInc Insurance Agency and JoyInc Solutions Limited may accept or reject at their sole discretion. The Online Services are governed by separate terms and conditions ("Online Service Terms") that are available on the relevant sections of the Website where the Online Services are provided. In the event of conflict between these Terms and Conditions and the Online Service Terms, the provisions of the Online Service Terms will prevail.
Costs and Commissions Payable:
Joyinc.co.ke is free to use, We make money simply by charging our partners a fee when a customer chooses to find out more about their products. This fee does not influence the price you pay. The price you see is sourced from our partner insurance companies, based on their actual pricing of their products and does not include any hidden fees or charges.
Privacy and Security:
JoyInc Insurance Agency and JoyInc Solutions Limited receives various types of information ("the Information") from Users who access the Website. JoyInc Insurance Agency and JoyInc Solutions Limited makes every effort to protect any Information received by it. Despite such undertaking, it is possible for Internet-based communications to be intercepted. Without the use of encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. JoyInc Insurance Agency and JoyInc Solutions Limited will not be responsible for any damages the User or any third party may suffer as a result of the transmission of confidential or personal information that the User submits to JoyInc Insurance Agency and JoyInc Solutions Limited through the Internet, or that the User expressly or implicitly authorises JoyInc Insurance Agency and JoyInc Solutions Limited to receive, or for any errors or any changes made to any transmitted information. To ensure acquaintance with and awareness of the privacy measures and polices of JoyInc Insurance Agency and JoyInc Solutions Limited, the User is urged to read and understand JoyInc Insurance Agency and JoyInc Solutions Limited Privacy and Security Policy, outlining JoyInc Insurance Agency and JoyInc Solutions Limited commitment to the User's privacy and the security of their personal information.
Updating of these Terms and Conditions:
JoyInc Insurance Agency and JoyInc Solutions Limited reserves the right to, amend, change, modify, add to or remove from portions or the whole of these Terms and Conditions from time to time. Changes to these Terms and Conditions will become effective upon such changes being posted to the Website. By accessing the Website You are bound to the version of the Terms and Conditions published here at the time of any visit to the Website. You agree to view the current version each time you access the Website. The User's continued use of this Website following the posting of changes or updates will be considered notice of the User's acceptance to abide by and be bound by these Terms and Conditions, including such changes or updates.
JoyInc Insurance Agency and JoyInc Solutions Limited reserves the right to make any changes to the Website, the Content, or to products and/or services offered through the Website at any time and without notice. A certificate signed by the administrator responsible for maintaining the Website will be prima facie proof of the date of publication and content of the current version and all previous versions of the Terms and Conditions.
Copyright and Intellectual Property Rights:
JoyInc Insurance Agency and JoyInc Solutions Limited provides certain information (“the Content”) on the Website. Content currently or anticipated to be displayed at this Website is provided by JoyInc Insurance Agency and JoyInc Solutions Limited, its affiliates and/or subsidiary, or any other third party owners of such content, and includes but is not limited to Literary Works, Musical Works, Artistic Works, Sound Recordings, Cinematograph Films, Sound and Television Broadcasts, Program-Carrying Signals, Published Editions and Computer Programs. All such proprietary works, and the compilation of the proprietary works, are copyright of JoyInc Insurance Agency and JoyInc Solutions Limited, its affiliates or subsidiary, or any other third party owner of such rights (“the Owners”), and is protected by South African and International copyright laws. Accordingly, any unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other circulation or exploitation of the Content or any component thereof will constitute an infringement of such copyright and other intellectual property rights; save that you may use the materials or any component thereof for your own internal purposes and for the purposes of ordering service/s from JoyInc Insurance Agency and JoyInc Solutions Limited.
Without limiting the generality of the aforementioned, the User is authorised to view, download and copy to a local hard drive or disk, print and make copies of such printouts, provided that:
The trademarks, names, logos and service marks (collectively "Trademarks") displayed on the Website are the registered and unregistered Trademarks of JoyInc Insurance Agency and JoyInc Solutions Limited. Nothing contained on the Website should be construed as granting any license or right to use any Trademark without the prior written permission of JoyInc Insurance Agency and JoyInc Solutions Limited. Except as specified in these Terms and Conditions, the User is not granted a license or any other right including without limitation under Copyright, Trademark, Patent or other Intellectual Property Rights in or to the Content and Trademarks. All rights in and to the Content and Trademarks is reserved and retained by JoyInc Insurance Agency and JoyInc Solutions Limited and/or the Owners, as the case may be. Irrespective of the existence of Copyright, the User acknowledges that JoyInc Insurance Agency and JoyInc Solutions Limited and/or the Owners, as the case may be are the proprietors of all the Content and Trademarks on the Website, whether it constitutes confidential information or not, and that the User has no right, title or interest in any such material.
Limited License to General Users:
Permission for Hyperlinks, Deep Linking, Crawlers and Metatags: No User may establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise (collectively referred to as “Linking”), to the Website or any subsidiary pages before receiving JoyInc Insurance Agency and JoyInc Solutions Limited ’s prior written approval, which may be withheld or granted subject to the conditions JoyInc Insurance Agency and JoyInc Solutions Limited may specify from time to time.
An application for Linking must be submitted to firstname.lastname@example.org . Once received JoyInc Insurance Agency and JoyInc Solutions Limited will do its best to respond and enter into further discussions with the User. If the User does not receive a written response from JoyInc Insurance Agency and JoyInc Solutions Limited within five business days, the User must consider the request as having been rejected.
A breach of this provision entitles JoyInc Insurance Agency and JoyInc Solutions Limited to take legal action without prior notice to the User and the User agrees to reimburse JoyInc Insurance Agency and JoyInc Solutions Limited with the costs associated with such legal action, on an attorney and own client scale. Hyperlinks:
Notwithstanding the fact that hyperlinks exist, in the Terms and Conditions, to facilitate access to notices, policies and legislation that are incorporated into the Terms and Conditions, the User agrees that in those instances, where some or all of the hyperlinks malfunction or are not operational, such occurrence shall not affect the validity or enforceability of the Terms and Conditions. The User undertakes to, at their own convenience and discretion, review and acquaints themselves with necessary documents and/ or terms.
External links may be provided for your convenience, but they are beyond the control of JoyInc Insurance Agency and JoyInc Solutions Limited and no representation is made as to their content. Use or reliance on any external links provided is at the User’s own risk. When visiting external links you must refer to that external website’s terms and conditions of use. No hypertext links shall be created from any website controlled by you or otherwise to the Website without the express prior written permission of JoyInc Insurance Agency and JoyInc Solutions Limited .
Crawlers and Spiders:
The User undertakes not to use any technology to search and /or gain information from the Website without JoyInc Insurance Agency and JoyInc Solutions Limited ’s written consent.
Software, if any, made available for download on or via the Website may be governed by license conditions that establish a legal relationship with the licensor. The User indemnifies JoyInc Insurance Agency and JoyInc Solutions Limited against any breach of these license conditions. JoyInc Insurance Agency and JoyInc Solutions Limited gives no warranty and makes no representation, whether express or implied, as to the quality or fitness for purpose of the use of such software. No warranty, whether express or implied, is given that any files, downloads or applications available via the Website is free of viruses, Trojans, bombs, time-locks or any other data or code which has the ability to corrupt or affect the operation of the User’s computer, database, network or other information system.
Termination, Suspension and Limitation:
JoyInc Insurance Agency and JoyInc Solutions Limited reserves the right to:
Disclaimer and Limitation of Liability:
Although JoyInc Insurance Agency and JoyInc Solutions Limited has taken reasonable care to ensure that the Content on the Website is accurate and that the User will not suffer loss or damage as a result of their use of the Website, the Website is provided on an “as is” basis. Use of the Website is entirely at the User’s own risk. The User assumes full responsibility for any loss or damage resulting from their use of the Website and their reliance on any of the Content or a part/s thereof, contained on the Website.
The Website and all Content on the Website, including any current or future offer of products or services, are provided on an “as is” basis, and may include inaccuracies or typographical errors. JoyInc Insurance Agency and JoyInc Solutions Limited makes no warranty or representation as to the availability, accuracy or completeness of the Content. Neither JoyInc Insurance Agency and JoyInc Solutions Limited nor any holding company, affiliate or subsidiary of JoyInc Insurance Agency and JoyInc Solutions Limited , shall be held liable for any direct or indirect, special, consequential or other damage of any kind whatsoever suffered or incurred, related to the use of, or the inability to access or use the Content or the Website or any functionality thereof, or of any linked website, even if JoyInc Insurance Agency and JoyInc Solutions Limited is expressly advised thereof. Without derogating from the generality of the above, JoyInc Insurance Agency and JoyInc Solutions Limited will not be liable for:
The User unconditionally and irrevocably indemnifies and holds JoyInc Insurance Agency and JoyInc Solutions Limited harmless against all and any loss, liability, actions, lawsuits, proceedings, costs, demands and damages of all and every kind, (including direct, indirect, special or consequential damages), and whether in an action based on contract, negligence or any other action, arising out of or in connection with the failure or delay in the performance of the services offered on the Website, the use of the services offered on the Website, the Content available on the Website or any other matter, directly or indirectly, related to the User’s use of the Website, whether due to JoyInc Insurance Agency and JoyInc Solutions Limited ’s negligence or not.
Choice of Law:
This Website is controlled, operated and administered by JoyInc Insurance Agency and JoyInc Solutions Limited from its offices as set out below within the Republic of South Africa. JoyInc Insurance Agency and JoyInc Solutions Limited makes no representation that the Content is appropriate or available for use in any other locations or countries. Access to the Website from territories or countries where the Content is illegal, is prohibited. The User may not use this Website in violation of Kenyan laws and regulations. If the User accesses this Website from locations outside of South Africa, that User is responsible for compliance with all local laws. These Terms and Conditions shall be governed by the laws of the Republic of Kenya .
If any of the provisions of these Terms and Conditions are found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible so as to give effect to the intent of these Terms and Conditions, and the remainder of these Terms and Conditions shall continue in full force and effect.
The headings of the clauses in the Terms and Conditions are provided for convenience and ease of reference only and will not be used to interpret, modify or amplify the terms of the conditions.
The Terms and Conditions are severable, in that if any provision is determined to be illegal or unenforceable by any court of competent jurisdiction, then such provision shall be deemed to have been deleted without affecting the remaining provisions of the Terms and Conditions.
JoyInc Insurance Agency and JoyInc Solutions Limited ’s failure or delay to exercise any particular right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision, whether this is done expressly or implied, nor will it affect the validity of any part these Terms and Conditions or prejudice JoyInc Insurance Agency and JoyInc Solutions Limited ’s right to take subsequent action against the User, unless acknowledged and agreed to by JoyInc Insurance Agency and JoyInc Solutions Limited in writing.
Neither the User nor JoyInc Insurance Agency and JoyInc Solutions Limited , shall be bound by any express, tacit or implied representation, warranty, promise or the like not recorded herein. These Terms and Conditions supersede and replace all prior commitments, undertakings or representations, whether written or oral, between the User and JoyInc Insurance Agency and JoyInc Solutions Limited in respect of the subject matter hereof.
JoyInc Insurance Agency and JoyInc Solutions Limited shall be entitled to cede, assign and delegate all or any of its rights and obligations in terms of these Terms and Conditions.
Should JoyInc Insurance Agency and JoyInc Solutions Limited be prevented from fulfilling any of its obligations to you as a result of any event of force majeure, then those obligations shall be deemed to have been suspended to the extent that and for as long as JoyInc Insurance Agency and JoyInc Solutions Limited is so prevented from fulfilling them and your corresponding obligations shall be suspended to the corresponding extent. In the event that force majeure continues for more than fourteen days after it has fist occurred then JoyInc Insurance Agency and JoyInc Solutions Limited shall be entitled (but not obliged) to terminate all of its rights and obligations in terms of or arising out of these Terms and Conditions by giving notice to the User. An "event of force majeure" shall mean any event or circumstance whatsoever which is not within the reasonable control of including, without limitation, vis major, casus fortuitus, any act of God, strike, theft, riots, explosion, insurrection or other similar disorder, war (whether declared or not) or military operations, the downtime of any external telecommunications line, power failure, international restrictions, any requirement of any international authority, any requirement of any government or other competent local authority, any court order, export control or shortage of transport facilities The Terms and Conditions, as varied by JoyInc Insurance Agency and JoyInc Solutions Limited from time to time, constitutes the entire and sole agreement between JoyInc Insurance Agency and JoyInc Solutions Limited and the User with regard to the use of the Content and this Website.
Legal - Processing Of Personal Information
JoyInc Insurance Agency and JoyInc Solutions Limited with company registration number are responsible for the website www.joyinc.co.ke (website and service offering). Email contact info: email@example.com
The physical address where that supplier will receive legal service of documents:
Kangundo Road Ruai
P.O Box 1223-00300
JoyInc Insurance Agency and JoyInc Solutions Limited is providing an electronic platform(www.joyinc.co.ke) that facilitates the aggregation of short-term insurance quotes from various insurers and insurance brokers. This facility allows the consumer to efficiently compare insurance premiums.
The services provided by JoyInc Insurance Agency and JoyInc Solutions Limited via the www.joyinc.co.ke website, are free of charge to the consumer.
The consumer is encouraged to read the Terms and conditions, incorporated on the site. These can be downloaded and/or printed for reference purposes. JoyInc Insurance Agency and JoyInc Solutions Limited processes personal information in a responsible and ethical manner. Please refer to the terms of the Processing of Personal Information legal notice, contained on the website.
We may disclose personal information to others only when it is necessary to conduct our business or is required by law.
In order for us to process your transaction and provide you with comparative insurance quotes and related products and services, we require your consent, to process your information in the following manner –
By using this website the user consent to the following: •To transmit and receive information from risk information agencies, for the purposes of assisting us in evaluating and processing your request, to ensure that you receive the most competitive rates; and •To transmit the information provided by you, on the electronic e-quote form – to the insurer or broker who’s illustrative quote you wish to discuss, for the purposes of the aforementioned insurer to conclude the policy of insurance; and ◦to affiliated partners, for the purposes of them responsibly marketing their products and services to you. The quotes presented, are based on limited information, provided by you on the electronic equote form. The quotes are therefore only illustrative and not a binding offer. The quotes are subject to change, based upon the verification and further consideration of more comprehensive risk related information that you will be required to disclose, when you agree to the insurer or broker contacting you.
Use of the website and any actions arising there from shall be governed by the law of the Republic of Kenya. By using this website the user consents to the jurisdiction of the courts of Kenya in respect of all disputes. JoyInc Insurance Agency and JoyInc Solutions Limited accepts no liability whatsoever for any loss, whether direct, indirect or consequential arising from information made available on these pages and for any actions or transactions resulting there from.
Any reference to or use of a product, service or process of a third party does not imply recommendation, approval or affiliation of the product, services or process by JoyInc Insurance Agency and JoyInc Solutions Limited.
Information Sharing and Disclosure
There might be affiliates or other sites linked to our web site. Personal information that you provide to those sites are not our property. The affiliated sites may have different privacy practices and we encourage you to read their privacy policies. These sites may place their cookies or other files on your computer, collect data or solicit personal information.
Joyinc.co.ke intends to provide clear information about insurance products and services. The information and data are generic in nature. Our efforts are to offer accurate and responsible data. We are not responsible for any sort of discrepancies There is no purpose of violating any copyright or intellectual copyrights issue. All information provided on the portal Joyinc.co.ke is subject to the discretion of the same and is likely to change without any notice. Though, any changes in public utility will be communicated immediately in our portal. We have tried to maintain high standards in quality, clarity and accuracy of the material posted on the portal. Joyinc.co.ke is not legally responsible for the same in any matter what so ever. Employees, partners and associated staff of Joyinc.co.ke are not accountable for any loss, harm or damage occurring due to usage of information from the portal. Customers are advised to use their own discretion in such matters. It is important to understand that insurance is a subject matter of solicitation and market risks. It is the responsibility of the customer to understand the limitations of insurance policies and the risks involved, we take no liability in such cases. Read the subject documents carefully. The information provided on the portal is of financial, insurance and legal purposes. It is a mutual understanding that customers association with the portal will be at the customer's preference and risk. Not-withstanding anything mentioned before, we reserve the right to contact you via any mechanisms, not limited to email, sms, or phone calls, to solicit feedback of your experience and to provide any additional services that you would be eligible for, either as a customer or as a visitor. We should not be held liable for any damages occurring to you as part of feedback solicitation and additional service provision.
"Whether you want your web browser to accept cookies or not is up to you. If you haven't changed your computer's settings, most likely your browser already accepts cookies. If you choose to decline cookies, you may not be able to fully experience all features of the website. You can also delete your browser cookies of disable them entirely. But this may significantly impact your experience with our website and may make parts of our website non functional or inaccessible. We recommend that you leave them turned on."
Visitors to this website/portal and every third party is hereby informed that the owners of this website/portal, viz., are not the agents or intermediaries of the insurers, whose products are dealt with in this website/portal. They are also not the sub-agents or sub-intermediaries of the agents and intermediaries of the respective insurers. Though endeavour is made to make correct policy/product comparisons, quotes, features, etc., based on the information provided by the insurers or its agents or intermediaries, it is made abundantly clear that Joyinc.co.ke or its directors, shareholders, officers and employees and Joyinc.co.ke are in no way responsible to or liable for anyone for his/her investment decision, and every prospect/ investor/policyholder shall be solely responsible for the consequences of his/her decision.