Terms of Use

These Terms of Use ("Terms") govern your access to and use of the Bonlife 90 platform, available at insure.bonlifenam.com (the "Platform"). The Platform is operated by Bonlife Assurance Namibia (Pty) Ltd ("Bonlife", "we", "us", or "our"), a long-term insurance company registered in the Republic of Namibia (Registration No. 00/LT/09) and licensed by the Namibia Financial Institutions Supervisory Authority (NAMFISA) under the Financial Institutions and Markets Act 2 of 2021 (FIMA).

By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree, please do not use the Platform.

Bonlife Assurance Namibia (Pty) Ltd is licensed as a long-term insurer by NAMFISA under FIMA. A copy of our licence details is available on the NAMFISA register at www.namfisa.com.na.

Bonlife 90 facilitates the quotation and purchase of insurance products underwritten by Bonlife Assurance Namibia. It is not a financial advisory or financial planning service. Nothing on this Platform constitutes financial advice as defined under Namibian law.

To use Bonlife 90, you must:

• Be a natural person aged 18 years or older;
• Be resident in the Republic of Namibia;
• Have the legal capacity to enter into binding contracts;
• Provide accurate and complete information at all times.

By using the Platform, you represent and warrant that you meet these requirements. If you are purchasing a policy that covers dependants or beneficiaries, you confirm that you are authorised to provide their personal information and act on their behalf where required.

Bonlife 90 provides:

• An AI-assisted insurance quote flow, delivered through our AI assistant Bonnie;
• Online purchase of selected Bonlife insurance plans;
• Policy information, premium payment, and account management.

Bonnie is an AI-powered assistant that guides you through the quote and plan selection process on Bonlife 90.

When using Bonlife 90, you agree to:

• Provide accurate, complete, and truthful information at all times;
• Disclose all information that may be material to your insurance application, including health conditions, occupation, and lifestyle factors where requested;
• Keep your contact details and account information up to date;
• Notify Bonlife promptly of any changes that may affect your policy or cover;
• Use the Platform only for lawful purposes and in accordance with these Terms.

You may not use Bonlife 90 to:

• Submit fraudulent applications or claims;
• Impersonate any person or entity;
• Attempt to circumvent, disable, or interfere with the Platform's security or technical systems;
• Scrape, copy, or extract data from the Platform by automated means;
• Use the Platform in any way that violates Namibian law or any applicable regulation;
• Attempt to gain unauthorised access to any part of the Platform or its infrastructure.

We reserve the right to suspend or terminate your access to the Platform without notice if we reasonably believe you have engaged in prohibited conduct.

All content on the Bonlife 90 platform, including but not limited to text, graphics, logos, icons, images, the "Bonnie" AI assistant, user interface design, and software, is the property of Bonlife Assurance Namibia (Pty) Ltd or its licensors and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Platform for the purpose of obtaining insurance quotes and purchasing Bonlife products. No other use is permitted without our prior written consent.

The Platform may contain links to third-party websites or services. These are provided for convenience only. Bonlife does not endorse, control, or accept responsibility for the content or practices of any third-party site. Your use of third-party services is at your own risk and subject to their respective terms.

We aim to keep Bonlife 90 available at all times, but we do not guarantee uninterrupted access. The Platform may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control.

Premium indications, plan availability, and benefit descriptions on the Platform are subject to change. In the event of any inconsistency between information on the Platform and the terms of your policy schedule, your policy schedule prevails.

To the maximum extent permitted by Namibian law:

• Bonlife's liability to you arising from your use of the Platform (other than in respect of a valid insurance claim under your policy) is limited to the greater of the premiums you paid in the 12 months preceding the relevant event or N$5,000.
• Bonlife is not liable for any indirect, incidental, consequential, or special loss arising from your use of or inability to use the Platform, including losses arising from reliance on AI-generated content.
• Nothing in these Terms limits Bonlife's liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any liability that cannot lawfully be excluded or limited.

You agree to indemnify and hold harmless Bonlife Assurance Namibia, its directors, officers, and employees from and against any claims, losses, or expenses (including reasonable legal fees) arising from:

• Your breach of these Terms;
• Your provision of false or misleading information;
• Your violation of any applicable law or third-party right.

These Terms are governed by the laws of the Republic of Namibia. Any dispute arising from or in connection with these Terms or your use of the Platform shall be subject to the jurisdiction of the courts of Namibia.

If you have a complaint about the Platform or a policy purchased through it, please contact us in the first instance at info@bonlifenam.com. We will acknowledge your complaint within 5 business days and provide a substantive response within 30 days.

If your complaint is not resolved to your satisfaction, you have the right to refer it to NAMFISA or the relevant Namibian dispute resolution body.

We may update these Terms from time to time to reflect changes to our services, legal requirements, or business practices. When we make material changes, we will notify you by email or by a prominent notice on the Platform. Your continued use of Bonlife 90 after the effective date of any changes constitutes your acceptance of the updated Terms.

We recommend that you review these Terms periodically.

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

These Terms, together with our Privacy Policy and the policy terms and conditions applicable to any insurance plan you purchase, constitute the entire agreement between you and Bonlife in relation to your use of the Platform.

Email: info@bonlifenam.com
Phone: +264 83 337 1730

These Terms of Use are governed by the laws of the Republic of Namibia.