Terms Of Use

About these Terms

These Terms govern use of the Verdure Partnering Insurtech website and, where offered, its insurance shopping, account, dashboard, payment, policy-access, and claim-registration features. The service is operated by [registered legal entity name] at [business address]. By using the service you agree to these Terms. If you purchase a policy, the insurer’s policy wording, schedule, disclosures, and applicable sale terms also govern that cover. Those insurer terms take priority for the insurance contract.

Verdure’s role

Verdure provides technology and distribution services for products offered by identified partner insurers. Verdure is not the underwriter and does not promise that an application will be accepted, that a quoted price will remain available after expiry, or that payment alone starts cover. The insurer named on the product and policy makes the insurance decision, issues the policy, and handles claim decisions. Verdure’s licensing or regulatory status should be stated here only after confirmation: [approved status and registration details, if required].

Accounts and eligibility

You may browse products before creating an account. Eligible products may permit checkout as a guest. If you create an account, provide accurate information, keep your sign-in details secure, and tell us promptly about unauthorised use. If you act for an organisation or another person, you confirm that you have authority to do so. Product eligibility, age, location, and information requirements are set by the relevant insurer and shown during the application.

Products, quotes, and cart

Product summaries are for discovery and do not replace the insurer’s full wording, exclusions, conditions, and schedule. Some products can be purchased online; others need a quote or manual review. The cart may hold products from different insurers. Each item has its own application, quote validity, insurer decision, policy, and claim process. Before checkout, we may ask you to update an expired price, remove an unavailable item, or complete more information. We show the applicable insurer, item price, fees, and combined amount before you confirm payment.

Payment and when cover begins

Payments are processed through [selected collection provider or description]. Follow only the payment instructions presented in the official checkout. A payment page, receipt, or successful transaction does not by itself mean an insurer has accepted your application or that cover has begun. Cover begins only on the effective date and terms confirmed by the insurer in its issued policy or another valid insurer confirmation. If a paid item cannot be issued, we will explain its status and work with the insurer and payment provider on the agreed resolution or refund.

For a cart with multiple products, a single payment may have different item outcomes. A policy issued for one item remains separate from a pending or declined item. Refund availability, amount, timing, and responsibility depend on the insurer’s terms, the collection arrangements, and applicable law. The specific policy and payment terms will be shown before checkout: [insert approved cancellation and refund summary or links].

Policies, claims, and support

Insurer-issued policy documents should be checked promptly for errors and effective dates. Use the support route shown in your account or receipt if a document is missing or incorrect. Registering a claim through Verdure records and routes your information; it is not an admission of cover or a promise of payment. The insurer may ask for further information and decides the claim under the policy. We distinguish a claim registered with Verdure from one acknowledged by the insurer.

Customer support: [support email/phone and hours]. Insurer complaints and escalation details should be shown with the relevant product or policy: [insert route]. For privacy concerns, see the Privacy Policy and Privacy Choices and Data Rights page.

Acceptable use and intellectual property

Use the service lawfully and provide complete, accurate information. Do not impersonate another person, submit false applications or claims, interfere with the service, attempt unauthorised access, or misuse another person’s policy details. Verdure and its licensors retain rights in the website and service content except insurer materials and your own information. You may use the service for its intended personal or authorised business purpose.

Service changes and external services

We may update the service, suspend access for security or maintenance, or remove a product from new sale. This does not itself change an already issued insurer policy. Links to insurer, payment, and other external services may have separate terms and privacy notices. We are responsible for our own service to the extent required by law; these Terms do not exclude rights or liabilities that cannot lawfully be excluded.

Governing law, complaints, and contact

These Terms are governed by the laws of the Federal Republic of Nigeria, subject to mandatory rights that apply to you. Contact [support email] first so we can try to resolve a service complaint. Insurance disputes may also be raised with the relevant insurer and, where appropriate, the National Insurance Commission through its official channels. Nothing here removes a right to seek a remedy from a competent authority or court.