Welcome to https://lkrisk.com/, the LK Risk website! These Terms & Conditions outline the rules and regulations for using our website and services. By accessing this website, you agree to comply with these terms.

1. Definitions

• “Company”, “We”, “Us”, “Our” refers to LK Risk (Pty) Ltd.
• “You”, “User” refers to any person who accesses or uses our website or services.
• “Services” refer to the insurance brokerage and advisory services provided by LK Risk.

2. Use of Website

• Our website is intended for informational purposes only.
• You must be at least 18 years old to use our services.
• You agree not to misuse, damage, or attempt unauthorised access to our website.
• The content on this website is subject to change without notice.

3. Insurance Services

• LK Risk acts as an independent insurance broker and does not provide insurance underwriting.
• Any quotes or policy information provided are subject to change and final approval by the insurer.
• It is your responsibility to provide accurate and complete information when applying for insurance.
• LK Risk is not liable for claims denied due to incorrect or incomplete information provided by you.

4. Payments & Fees

• LK Risk may receive commissions or fees from insurers for services rendered.
• We do not store or process payment details on our website.

5. Limitation of Liability

• LK Risk is not responsible for any loss, damages, or liabilities arising from the use of our website or services.
• We are not liable for any errors or delays caused by third-party insurers or service providers.

6. Intellectual Property

• All content, logos, and materials on this website are owned by LK Risk, licensed to us, or used under proper commercial rights.
• You may not reproduce, distribute, or use any content from our website without prior written consent.

7. Privacy Policy

• Your use of our website is also governed by our Privacy Policy.
• We take data protection seriously and ensure compliance with the Protection of Personal Information Act (POPIA).

8. Third-Party Links

• Our website may contain links to third-party websites.
• We do not endorse or take responsibility for the content, security, or privacy practices of external sites.

9. Termination

• We reserve the right to terminate or suspend access to our website for violations of these Terms & Conditions.

10. Governing Law

• These Terms & Conditions are governed by the laws of South Africa.
• Any disputes will be resolved in South African courts.

11. Contact Us

If you have any questions about these Terms & Conditions, please contact us:

• Email: hello@lkrisk.com

By using our website, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.