By accessing Markov Insurance Agency (www.markov.co.ke), you agree to the following terms regarding your data and our services:

1. Data Collection & Consent

In compliance with the Kenya Data Protection Act (2019), you consent to the collection and processing of personal data (including contact details, age, and risk-related information like vehicle or health data). This information is used solely to provide accurate insurance quotations, policy management, and professional advisory services.

2. Disclosure to Third Parties

Your information remains confidential. However, to fulfill your requests, we may share relevant data with licensed insurance underwriters (to generate quotes) and regulatory bodies (such as the IRA or KRA) as required by law. We do not sell your data or share to unrelated third parties.

3. Marketing Communications

By sharing your contact details, you agree to receive updates on insurance products, renewals, and promotions via SMS or Email. You may opt-out at any time by using the "Unsubscribe" link in our emails or by contacting our support team directly.

4. Third-Party Links

Our website may contain links to external sites (e.g., insurer portals or payment gateways). Markov Insurance Agency is not responsible for the privacy practices, security, or content of these external platforms.

5. Accuracy of Information

You agree to provide truthful and accurate information. Providing false details may lead to the rejection of insurance claims or the cancellation of your policy by the underwriter.

6. Contact Us

For any inquiries regarding your data rights or these terms, please contact us on below contacts.

1. Information and Premium Samples

All data, product descriptions, and premium samples provided on www.markov.co.ke are for illustrative and informational purposes only. They do not constitute a formal offer, a binding insurance contract, or a full representation of any insurance policy. While we strive for accuracy, the information shared reflects our professional opinion and may change based on underwriting guidelines.

2. No Binding Agreement

The premiums shown are estimates and are subject to change based on individual risk assessments by the insurer. A policy is only binding once a formal quotation is issued, the proposal form is signed, and the premium is confirmed. Customers are advised to seek a binding quotation for their specific needs before making a payment.

3. Policy Terms & Conditions

In the event of a discrepancy between the information on this website and the actual Policy Document issued by the insurer, the terms and conditions of the physical policy document shall prevail.

4. Intellectual Property & Partner Logos

All company logos, brand names, and trademarks of our insurance partners displayed on this website are the exclusive property of their respective owners. Their use on this platform does not imply an endorsement of Markov beyond our authorized status as a licensed insurance intermediary.

5. Professional Advice

The content on this website is not intended to be a substitute for professional legal or financial advice. We recommend consulting with the principal officer to discuss your specific insurance requirements.

1. Data Collection

We collect personal information (such as your name, contact details, and risk information) via our website to provide accurate insurance quotes and marketing updates. By submitting your data, you consent to its collection and processing for these purposes.

2. Role as an Intermediary

Markov Insurance Agency acts as an agent. To fulfill your request for insurance, we share your data with licensed insurance underwriters (the "Data Controllers") who assess your risk and issue policies. We do not sell your data to third parties for unrelated marketing.

3. Data Storage & Security

Your information is stored securely and accessed only by authorized personnel to provide you with service and support. We implement standard security measures to protect your data from unauthorized access or disclosure.

4. Your Rights

In accordance with the Kenya Data Protection Act, you have the right to access, correct, or request the deletion of your personal data. You may also opt-out of marketing communications at any time via the "Unsubscribe" link or by contacting us directly.

5. Contact Information

For any privacy-related inquiries, please reach our Principal Officer at below.