Terms & Conditions
The terms on which we provide this website and our advisory services. Last updated 8 September 2026.
These Terms and Conditions govern your use of bimanow.co.ke and any advisory or distribution services provided by BimaNow Agency (“BimaNow”, “we”, “us”). By using this website you agree to them. If you do not agree, please do not use the site.
1. What we do
BimaNow is an insurance and financial-solutions advisory and distribution brand operating in Kenya. We help clients understand the options available in the market, compare solutions, arrange cover with the insurer or provider they select, and support them at renewal and at claim time.
We are not an insurer. We do not underwrite risk. Every policy is issued by, and every claim is paid by, the underwriting insurer or provider, subject to that provider's own terms.
2. Information on this website is general
Everything published on this website — including guides, articles, FAQs, glossaries and product descriptions — is general information provided for education. It does not take account of your personal objectives, financial situation or needs, and it is not personal advice.
Nothing on this website is an offer of insurance cover, an offer to enter into a contract of insurance, or a promise that any particular product will be available to you or accepted on any particular terms.
3. Quotations and applications
- A quotation is an indication based on the information you provide. It is not a contract and does not bind any insurer.
- Premiums, benefits, limits and terms are set by the provider, and are subject to underwriting, acceptance and change.
- Cover begins only when the provider has accepted the risk, the premium has been received in accordance with applicable law, and the policy has been issued.
- You are responsible for the accuracy and completeness of the information you provide. Non-disclosure or inaccurate disclosure may allow a provider to decline a claim or void a policy.
4. The policy document governs
Where anything on this website differs from the wording of the policy issued to you, the policy document prevails. Cover, exclusions, limits, waiting periods, excesses and claim conditions are determined solely by that document. Please read it when it is issued, and tell us promptly if anything does not match what you expected.
5. Regulatory status
BimaNow Agency operates in accordance with applicable Kenyan law. We do not represent that we hold any licence, authorisation or registration that has not been granted. Where a particular product or transaction requires a licensed intermediary or provider, it is arranged through an appropriately authorised party. Details of our regulatory status will be published on this page once the relevant approvals are in place.
6. Investment and long-term products
Where this website refers to investment, savings or retirement products:
- The value of investments can fall as well as rise, and you may get back less than you put in.
- Past performance does not predict future returns.
- Illustrations may show guaranteed and non-guaranteed elements. Non-guaranteed values are projections, not promises.
- Surrendering a long-term plan early will usually return less than the total contributions paid.
We do not guarantee any investment return.
7. Using this website
You agree not to:
- Use the site for any unlawful purpose, or in a way that could damage or impair it
- Submit false information, or information about another person without their authority
- Attempt to gain unauthorised access to any part of the site or its underlying systems
- Copy, reproduce or republish substantial parts of the site's content without our written permission
Automated systems may access and index publicly available pages for search and answer-engine purposes in accordance with our robots.txt.
8. Intellectual property
The content, design, layout, graphics and code of this website are owned by or licensed to BimaNow Agency and are protected by applicable intellectual property law. The BimaNow name and logo may not be used without our written permission.
9. Third-party links and services
This website may link to third-party websites and services, including WhatsApp and provider portals. We do not control those services and are not responsible for their content, terms or privacy practices. Communicating with us via WhatsApp is subject to WhatsApp's own terms.
10. Availability
We aim to keep the website available and accurate, but we do not guarantee uninterrupted access or that the content is free of error or omission. We may change, suspend or withdraw any part of the site at any time.
11. Limitation of liability
To the fullest extent permitted by law, BimaNow shall not be liable for indirect, incidental or consequential loss arising from your use of this website, or from reliance on general information published on it. Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud or for death or personal injury caused by negligence.
12. Complaints
If you are unhappy with any aspect of our service, contact us at [email protected] or 0721 493 115. We will acknowledge your complaint and work to resolve it. Where a complaint concerns a policy or a claim decision, we will also help you raise it with the relevant provider and, where applicable, with the relevant regulator or ombudsman.
13. Governing law
These terms are governed by the laws of Kenya, and the courts of Kenya have exclusive jurisdiction over any dispute arising from them or from your use of this website.
14. Changes to these terms
We may update these terms from time to time. The version published on this page, with the date it was last updated, is the version that applies.
15. Contact
BimaNow Agency
Email: [email protected]
Phone / WhatsApp: 0721 493 115