Terms and Conditions

These Terms and Conditions of Use and our Privacy Policy (together the “Terms and Conditions”) apply to your use of the domain https://www.kenforth.com (the “Website”) and all subdomains of the Website.

Please read the Terms and Conditions carefully. By proceeding to access the Website you are deemed to have accepted the Terms and Conditions and you agree to comply with them.

If you do not agree with the Terms and Conditions, you must not access or use the Website.

We recommend that you print a copy of these terms for future reference. We may revise the Terms and Conditions of Use at any time by amending this page. Every time you wish to use our Website, please check these terms to ensure you understand the terms that apply at that time.

The current version of the Terms and Conditions of Use is v.0.1, reviewed 01 January 2025.

General

Kenforth is a registered trading name of Kenforth Life Insurance Limited under the Business Licence Act 2010 of The Commonwealth of The Bahamas, number 1000947 and whose registered office is at 76 & 78 Pyfrom Road, Nassau, Bahamas, GT2832. Kenforth is authorised and regulated by The Insurance Commission of The Commonwealth of the Bahamas.

Availability

Kenforth will endeavour to ensure that the Website is available for 24 hours a day but will we do not guarantee that our Website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Website temporarily or permanently for business or operational reasons and without notice.

We will not be liable for any loss or damage arising in contract‚ tort or otherwise if the Website is unavailable or suspended for any reason.

Information

The information on this Website is directed to people residing in the United Kingdom. We do not represent that any of the content available on or through the Website is appropriate for use or available in other locations.

None of the information on the Website constitutes an offer to contract in any country in which it is accessed.

The content on the Website is provided for general information purposes only. We will use reasonable endeavours to ensure that it is accurate at the date of publication. We make no representation, warranty or guarantee that any information on the Website is accurate, complete or up-to-date.

Reliance on Information Posted

Information and materials on the Site are not intended to provide advice and no reliance should be placed on them and we disclaim all liability arising from such reliance to the fullest extent permitted by law.

The information contained within the Site does not constitute financial, taxation, professional or investment advice. Professional and relevant advice should be sought by you prior to any financial or investment decisions being made by you.

We accept no responsibility or liability arising from any reliance placed on such materials by you or by any third party who may be informed by any of its contents.

Security

We will take all reasonable steps to ensure that any information you provide via e-mail and / or via the Website is kept secure‚ but please remember that‚ because of the nature of the Internet‚ the security of emails cannot be guaranteed. Consequently, your privacy of your data in such email correspondence cannot be guaranteed.

There is no guarantee that any emails that you send to us will be received by us.

You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

We process information about you in accordance with our Privacy Notice. By using the Website, you consent to such processing and you warrant that all data provided by you is accurate.

Additional information regarding the security of personal data‚ and the use of cookies is available in our Privacy Notice.

Liability

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

If you are business user: We exclude all implied conditions, warranties, representations or other terms that may apply to our Website or any content on it.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

• use of, or inability to use, our Website; or
• use of or reliance on any content displayed on our Website.
• In particular, we will not be liable for:
• loss of profits, sales, business, or revenue;
• business interruption;
• loss of anticipated savings;
• loss of business opportunity, goodwill or reputation; or
• any indirect, special or consequential loss or damage.

If you are a consumer user:

Please note that we only provide our site for private and personal use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity or any indirect, special or consequential damages or losses, whether such losses arise in contract, negligence or tort, including without limitation, any losses in relation to your use of, reliance upon or inability to use the Website.

Kenforth cannot warrant that the Website is free of viruses or technical defects of any description‚ and accepts no responsibility for any technical problems arising from your use of the Website.

Trademarks, Copyright and Other Intellectual Property Rights

The Kenforth logo is an unregistered trade mark of Kenforth.

Kenforth owns (or is a permitted licensee) of the copyright and all other intellectual property rights existing in the content on or within the Website.

All such rights are reserved and you may not reproduce the logo without Kenforth’s written consent.

Except as expressly provided on this Website, you are not permitted to download‚ print‚ redistribute or extract any information from the Website other than for your personal‚ non-commercial use and not for any purpose that damages our reputation or takes advantage of it.

You are not permitted to modify or in any way change any of the information available on the Website. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Linking to the Website

You may only link to this Website by obtaining the prior written consent from Kenforth. If you wish to link to or make any use of content on our Website please contact us at the contact point, below.

Any link must be made in a way that is fair and legal does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

The Website must not be framed on any other website, nor may you create a link to any part of our website other than the Website.

Kenforth reserves the right to withdraw linking permission without notice.

Our status (and that of any identified contributors) must always be acknowledged as the authors of material on the Website.

Third Party Links

The Website may contain links to other websites which are outside our control and are not covered by the Terms and Conditions and the Privacy Policy. Where the Website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. You should read carefully and agree with the terms and conditions of third party websites before using them.

Posting Material

We accept no responsibility or liability to any third party in relation to the content or accuracy of any information or materials posted by you onto the Website or any information posted on external websites.

We retains the right to remove any information or materials posted by you on the Website if such information or material is or is likely to be offensive, illegal, harmful, or threatening and / or belongs to someone else. Unless otherwise stated any views expressed are of individuals contributors and not of Kenforth.

Offences / Attacking the Website

You must not misuse the Website by knowingly introducing viruses, trojans, worms or other material which is malicious or harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website.

You must not use the Website for any illegal purpose or in any manner inconsistent with these Terms and Conditions or applicable law; interfere with the proper operation of the Site or take any action which is likely to cause the service provided by the Site to be interrupted or degraded or attempt to gain unauthorised access to our computer system.

We will not be liable for any loss or damage caused by malicious or harmful material that may infect your computer, your computer equipment, computer programs, data or other proprietary material as a result of your use of the Website or as a result of you downloading any material posted on them or downloading any material from any website linked to them.

Applicable Law and Jurisdiction

Kenforth has established the Website in The Commonwealth of The Bahamas.

The laws of The Commonwealth of The Bahamas shall apply to the Terms and Conditions and to the Website.

If you are a business user any dispute shall be subject to the exclusive jurisdiction of the Bahamian Courts.

If you are a consumer you may also bring proceedings in the courts of another jurisdiction in which you are resident.

Kenforth

Wherever the name “Kenforth” is used on the Website, this implies one or more of the following companies within the Kenforth Group of companies, which may offer products or services on the Website:
Kenforth Life Insurance Limited

Errors and Omissions

If you believe that there may be an error in any of the information that you have submitted via the Website, please email: complaints@kenforth.com

We will review your records as soon as possible.

Complaints If you have a complaint in relation to the Website, please contact us at the following address:

76 & 78 Pyfrom Road,
Nassau,
Bahamas,
GT2832

Or email us at: complaints@kenforth.com