Terms and conditions

These Terms and Conditions of Use (“Terms”, “Agreement”) are a legally binding agreement between you (“you”, “your”, “User”) and Trustpoint Insurance Brokers Limited, a company incorporated under the laws of the Federal Republic of Nigeria, trading as Skydd (“Skydd”, “we”, “our”, “us”).

Trustpoint Insurance Brokers Limited is the contracting entity responsible for providing the services described in these Terms. “Skydd” is the brand and trading name under which these services are marketed and delivered.

By accessing or using the Skydd website, mobile application, or any related services (collectively, the “Platform”), you agree to be bound by these Terms. If you do not agree, you must not use the Platform.

1. Definitions

2. Access and use of the platform

2.1 Eligibility

Access is limited to persons who are at least 18 years of age, possess full legal capacity to contract, and have completed registration and accepted these Terms.

2.2 Account Creation and Wallet Activation

By registering an Account, a Wallet is automatically created for you to process premium payments, refunds, and claims. You agree to provide complete, accurate, and up‑to‑date information and to authorise Skydd to debit/credit your Wallet or linked payment methods in accordance with policy obligations and refunds; Skydd may retain wallet transaction data for lawful audit, reporting, or regulatory compliance.

2.3 Account Security

You are responsible for maintaining the confidentiality of your login credentials, notifying us of unauthorised use, logging out after each session, and accepting responsibility for activities under your Account.

2.4 Access Suspension and Modification

We may suspend, restrict, or terminate access; modify, suspend, or discontinue Services; or deny access if you fail to comply with these Terms or applicable laws, or where access poses regulatory, security, operational, or legal risks, without prior notice or liability.

2.5 Continuing Obligations

Suspension or termination does not relieve you of financial obligations accrued prior to such action, including unpaid premiums, service fees, or other charges due.

3. Your responsibilities

You agree to submit truthful and accurate information, use the Platform only for lawful purposes in accordance with these Terms and applicable law, not interfere with or disrupt Services, and not reproduce or resell Services without express permission. You further agree not to access Services except through Skydd’s interface and not to engage in activity that could harm the Platform, its users, or Skydd’s brand.

4. PAYMENT TERMS AND WALLET USAGE

4.1 Wallet Functionality

All Users shall have a Wallet that facilitates:

• Premium collection and payment;
• Claims disbursement;
• Record of transactions between the User and Skydd.

4.2 Premium Deduction Authorisation

By subscribing to a Service, You authorise Skydd to:

• Automatically deduct Premiums from your Wallet on a recurring basis, in accordance with the applicable policy terms;
• Utilise any linked bank account or payment card as a fallback payment method in the event that Wallet funds are insufficient;
• Initiate nominal verification debits (such as card authentication charges), which shall be promptly refunded upon successful verification.

4.3 Premium Arrears and Continuity of Coverage

Where insurance coverage continues despite delayed or failed payments:

• Any unpaid Premiums will be treated as outstanding obligations;
• You agree to settle all accrued dues, failing which Claims may be declined, access restricted, or your Account suspended.

4.4 Refund Policy

Refund requests from an insured will only be considered if the insured remains covered under an active policy and in the following circumstance:

• Duplicate or excess payments verified by our payment processor, either due to a technical glitch or human error. You may also opt to transfer the Premium to the following month or request for a refund of the excess amount which will immediately be refunded to the payment method used.
• If you are charged fifty naira (₦50) during onboarding as a card verification fee, this amount will be immediately reversed to your bank account

Please note that all refunds will be processed through the original mode of payment and are subject to verification procedures to prevent financial fraud.

4.5 Data Protection and Security

Skydd may collect, use, and disclose information provided by You as part of our operations and service delivery. Such information may include personal identification data, contact details, and transactional records. We may use your information to:

• Facilitate your registration and account management;
• Deliver relevant insurance offerings and personalised content;
• Process Claims and provide customer support;
• Comply with regulatory requirements and requests from law enforcement.

We will comply with the Nigeria Data Protection Act (NDPA) 2023 and the General Application and Implementation Directive (GAID) 2025 in processing the Personal Information that You share with us on our Website. We shall ensure that there is no unauthorised access, dissemination, or misuse of your Personal Information on our Website. In the event of an actual or suspected breach of your Personal Information, we will notify You of such breach and of steps taken to investigate and mitigate any losses, or damages arising from such breach.

5. FUTURE FEATURES ON THE PLATFORM

We are continuously innovating and evolving our Services. You acknowledge and agree that:

• Skydd reserves the right to introduce additional insurance services as part of its evolving offerings in the future;
• Continued use of the Platform after new features are launched constitutes acceptance of such additions;
• Any new features or tools added shall be subject to these Terms unless stated otherwise.

Skydd does not guarantee compatibility of new features with all user devices or operating systems and shall not be liable for limitations arising from such incompatibilities.

6. SERVICES

Skydd provides access to a curated portfolio of insurance offerings sourced from licensed insurers. These include but are not limited to:

• Health Insurance – coverage for medical expenses including consultations, surgeries, diagnostics, and prescriptions;
• Auto Insurance – policies covering vehicle damage, third-party liability, theft, and related risks;
• Device Insurance – protection for electronic gadgets such as phones, laptops, and tablets against accidental damage, theft, or technical faults;
• Property Insurance – indemnification for damage or loss of personal or commercial property caused by fire, flood, burglary, or other insured perils;
• Life Insurance – financial coverage against death or permanent disability of the insured person;
• Credit Life Insurance – ensures the settlement of outstanding loan balances in the event of death or disability;
• Salary Protection Insurance – covers loss of income due to involuntary unemployment, illness, or injury.

Each insurance product offered on the Platform is subject to specific terms and conditions outlined in the relevant product documentation. Users are responsible for reading and understanding applicable policy schedules, exclusions, and claim procedures prior to subscribing.

Skydd acts as a digital facilitator and intermediary for these products, and does not itself underwrite or assume any insurance risk. All Claims are subject to verification and must be submitted in accordance with insurer guidelines.

7. Cookies

We use cookies per our Privacy Notice and Cookie Policy to enable functionality and improve user experience; affiliate/advertising partners may also use cookies as described in our Cookie Policy.

8. Intellectual property

All intellectual property rights associated with the Platform (including trademarks, logos, content, software, and materials) are owned by Skydd or its licensors. You are granted a limited, non‑exclusive, non‑transferable right to access and use the Platform for personal, non‑commercial purposes in accordance with these Terms. Unauthorised use (including copying, reverse engineering, redistribution, or modification) is prohibited and may result in termination and legal action. You will notify us of any suspected infringement and cooperate with enforcement actions at our cost.

9. Disclaimer and limitation of liability

To the fullest extent permitted by law, the Platform and Services are provided on an “as is” and “as available” basis without warranties of any kind. We do not warrant uninterrupted or error‑free operation, or that the Platform is free from malicious code. We disclaim liability for interruptions, delays, transmission errors, or reliance on Platform information. Subject to law, we are not liable for any loss or damage in connection with your Account, transactions, system failures, payment facility unavailability, unauthorised access, or related actions/inactions. In no event shall we or our affiliates be liable for any consequential, incidental, indirect, special, punitive, or similar damages, including lost profits, goodwill, or data, even if advised of the possibility.

10. Security, malware, and viruses

We do not guarantee the Platform will be secure or free from bugs, viruses, or similar malware. You are responsible for configuring your environment and using reputable malware protection software. You must not introduce malicious code, attempt unauthorised access, or attack the Platform (including denial‑of‑service). Breach may constitute an offence under applicable cybercrime laws; we may report to authorities and disclose your identity, and your right to use the Platform will cease immediately without refund claims for paid monies.

11. Third‑party services

The Platform may facilitate access to third‑party services (including HMOs, insurers, healthcare providers, payment processors, banks, telecoms, and ISPs). We do not control and are not responsible for third‑party services. Use is at your own risk and subject to third‑party terms and policies. We do not make any representation or warranty regarding third‑party services and are not liable for any loss, injury, impairment, or consequence arising from or in connection with them; you waive any claims against us related to third‑party services.

12. Service changes, availability, and maintenance

We may update, change, suspend, or discontinue any aspect of the Services (including features or content) at any time. The Platform may be under ongoing upgrades or maintenance during which features may be unavailable or limited. We may impose limits on features or restrict access without notice or liability.

13. Disclaimers and limitation of liability

13.1 Disclaimers

To the fullest extent permitted by law, you acknowledge and agree that:

• The Platform and Services are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including warranties of title, merchantability, non‑infringement, and fitness for a particular purpose.
• We do not warrant that the Platform will be uninterrupted, error‑free, or free from viruses or malicious code, nor that errors will be detected or corrected.
• We disclaim liability for interruptions, delays, errors, or issues arising from electronic transmission or distribution of information.
• We do not endorse information, products, or services offered or described on the Platform, and are not liable for decisions or actions taken in reliance on such information.

13.2 Liability

Subject to any other provision of these Terms, and to the extent permitted by law, we are not liable to you for or in connection with:

• Any loss or damage arising from your use of your Account.
• Any delay or failure in processing a transaction on your behalf.
• Any transaction processed by us on your behalf.
• Any failure, malfunction, delay, or error (for any reason) of any equipment, system, or software (including your device, software, telecommunications, and ISP services).
• Any unavailability or failure of a payment facility to accept instructions from you.
• Any unauthorised access to, or disclosure of, information relating to your Account.
• Any other action taken or not taken in relation to your Account.

13.3 Limitation of damages

In no event, under any legal or equitable theory (including tort, contract, or strict liability), shall we or our employees, directors, officers, agents, or affiliates be liable for any loss or damage of any kind, whether direct or indirect, arising from or in connection with: the use of, or inability to use, the Platform, Services, or content; any transaction conducted through or facilitated by the Platform; any claim attributable to errors, omissions, or inaccuracies in the Platform, Services, and/or content; unauthorised access to or alteration of your transmissions or data; any other matter relating to the Platform, Services, or content. This includes, without limitation, compensatory, consequential, incidental, indirect, special, or punitive damages; loss of anticipated profits; loss of goodwill; loss of data; business interruption; accuracy of results; or computer failure or malfunction, even if we have been advised of or should have known of the possibility of such damages.

14. Modifications to these terms

We may change these Terms from time to time at our sole discretion. Changes take effect when posted on the Platform and may be indicated by the date of revision. Please check the Terms regularly for updates. If you continue to use the Platform after a change, you are deemed to have accepted the updated Terms.

15. Data protection and privacy

We process personal information in accordance with applicable data protection laws and our Privacy Notice. We implement appropriate technical and organisational measures to protect personal information and, in the event of an actual or suspected personal data breach, will notify you as required by law and take steps to investigate and mitigate impact. By using the Platform, you consent to the processing and, where applicable, transfer of your personal information to third‑party partners for the purpose of providing the Services, subject to applicable law and our Privacy Notice.

16. Suspension and termination

We may suspend or terminate your Account or access to Services at our sole discretion if you violate these Terms, create risk or possible legal exposure, engage in suspected fraud or misuse, or as required by law or a regulator. Termination does not affect obligations accrued before termination. We may retain records as required by law and our policies.

17. Force majeure

We are not liable for any delay or failure to perform due to causes beyond our reasonable control, including acts of God, epidemic or pandemic, natural disasters, war, terrorism, civil unrest, labour disputes, governmental actions, power or internet failures, failures of third‑party service providers, or other similar events.

18. Governing law and jurisdiction

These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute or claim arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Nigeria.

19. Notices and communications

We may provide notices via the Platform, in‑app notifications, email, SMS, or postal mail using the contact details associated with your Account. You should direct legal notices to the contact details provided on the Platform or as specified in our Privacy Notice or Contact section.

20. Miscellaneous

• Severability: If any provision is held invalid or unenforceable, it will be replaced with a valid provision that most closely reflects the original intent, and the remaining provisions will remain in full force.
• No waiver: Failure or delay to enforce any provision is not a waiver of rights.
• Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign our rights or obligations at any time.
• Governing language: If translated, the English version prevails in the event of inconsistency.
• Entire agreement: These Terms constitute the entire agreement between you and Skydd regarding the Platform and Services and supersede prior or contemporaneous understandings on the subject.

21. Contact us