Terms of Use

1. Acceptance of Terms

By accessing or using the NENO Insurance website at nenoinsurance.co.tz (the "Website"), you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree, please stop using the Website immediately.

These terms apply to all visitors, users, and anyone who accesses or uses our Website or services.

2. About NENO Insurance

NENO Insurance is a licensed insurance broker registered in Tanzania and regulated by the Tanzania Insurance Regulatory Authority (TIRA). We act as an intermediary between clients and insurance underwriters. We do not underwrite insurance policies ourselves.

Our registered office is at 13th Floor, Mwanga Tower, Bagamoyo Road, Dar es Salaam, Tanzania.

3. Information on This Website

The content on this Website is provided for general information purposes only. It does not constitute professional insurance advice, a binding quotation, or an offer to enter into any insurance contract.

Insurance products, premiums, terms, and availability are subject to underwriter approval and may change without notice. Any quote obtained through this Website is indicative only and must be confirmed in writing by NENO Insurance before it becomes binding.

While we make every effort to keep information accurate and up to date, we make no warranties, express or implied, about the completeness, accuracy, reliability, or suitability of any information on the Website.

4. Use of the Website

You agree to use this Website only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

• Submit false, misleading, or fraudulent information through any form on this Website
• Attempt to gain unauthorised access to any part of the Website or its underlying systems
• Use automated tools (bots, scrapers, crawlers) to extract data from the Website without our written permission
• Transmit any viruses, malware, or other harmful code through the Website
• Reproduce, copy, or redistribute content from this Website for commercial purposes without our prior written consent

5. Quote and Contact Forms

When you submit a quote request or contact form on this Website, you authorise NENO Insurance to contact you by phone or email to discuss your insurance needs. Submitting a form does not create an insurance policy or guarantee coverage.

You confirm that all information you provide is accurate and complete. Providing false information may result in any subsequent policy being void or a claim being denied.

6. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, icons, images, and software, is the property of NENO Insurance or its content suppliers and is protected by applicable intellectual property laws.

You may view and print pages from the Website for your personal, non-commercial use only. Any other use requires our prior written permission.

7. Third-Party Links

This Website may contain links to partner insurer websites and other third-party resources. These links are provided for your convenience only. We have no control over the content of those websites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

The inclusion of any link does not imply our endorsement of the linked website.

8. Limitation of Liability

To the fullest extent permitted by Tanzanian law, NENO Insurance shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this Website or any information on it.

Our liability for any claim arising from your use of this Website shall not exceed the amount of any brokerage fee paid by you to NENO Insurance in the 12 months preceding the claim.

9. Regulatory Compliance

NENO Insurance operates under a broker licence issued by the Tanzania Insurance Regulatory Authority (TIRA). Our services are governed by the Insurance Act (Cap. 394) and all applicable regulations issued by TIRA.

If you have a complaint about our services, you may contact us directly or escalate to TIRA at www.tira.go.tz.

10. Privacy

Your use of this Website is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference.

11. Changes to These Terms

We may revise these Terms of Use at any time without prior notice. The "Last Updated" date at the top of this page reflects the date of the most recent revision. Continued use of the Website after any changes constitutes your acceptance of the revised terms.

12. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the United Republic of Tanzania. Any disputes arising from these terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Tanzania.