Terms of Service

Effective Date: 01/01/2025

Welcome to Two Gates Insurance Broker. These Terms of Service ("Terms") govern your access to and use of our website, services, and tools. By using our platform, you agree to these Terms.


1. Acceptance of Terms

By accessing or using our services, you confirm that you are at least 18 years old and legally capable of entering into binding agreements under Kenyan law. If you do not agree with these Terms, please do not use our services.


2. Our Services

Two Gates Insurance Broker is a licensed insurance intermediary. We help individuals and businesses compare, select, and purchase insurance policies from a wide network of reputable insurance providers.

We do not underwrite or issue insurance policies directly.


3. User Responsibilities

You agree to:

  • Provide accurate and complete personal and insurance-related information.

  • Use our website and services lawfully and ethically.

  • Not misuse, hack, or attempt unauthorized access to our platform.


4. Quotes and Policy Issuance

Quotes provided are based on the information you supply and are subject to underwriting and approval by the insurer.
Final premiums, coverage, and conditions are determined by the issuing insurance company.


5. Payment Terms

Payments for insurance policies must be made directly to the insurer or through secure, authorized channels as advised.
Two Gates is not responsible for failed or fraudulent third-party payments.


6. Limitation of Liability

We strive to provide accurate and helpful information, but we are not liable for:

  • Any loss, damage, or inconvenience arising from use of our website.

  • Decisions made based on information provided on our platform.

  • Delays, non-approvals, or issues originating from third-party insurers.


7. Intellectual Property

All content on this website (text, images, graphics, logos) is the property of Two Gates Insurance Broker and may not be copied or used without written permission.


8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their content, accuracy, or privacy practices.


9. Modifications to Terms

We reserve the right to update these Terms at any time. Changes will be posted here, and continued use of our services constitutes acceptance of the updated Terms.


10. Governing Law

These Terms are governed by the laws of the Republic of Kenya. Any disputes shall be resolved in accordance with Kenyan legal procedures.


11. Contact Us

For questions about these Terms, please contact:

đź“§ Email: info@twogatesinsurance.co.ke
📞 Phone: +254 722 357 703
📍 Office: Cargen House, 2nd Floor, Moi & harambe Avenue Junction 

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