Disclaimer

Last Updated: August 2026

The information provided on the Defyn Insurance Advisory Limited website is intended to provide general information about our company, insurance products, advisory services, claims support, and related services. By using this website, you acknowledge and agree to the terms of this Disclaimer.

  1. General Information Only Information published on this website is provided for general informational purposes and should not, by itself, be regarded as a contract of insurance, policy document, guarantee of coverage, or confirmation that a particular insurance product is suitable for your circumstances.

While Defyn Insurance Advisory Limited (“Defyn”, “we”, “us” or “our”) makes reasonable efforts to ensure that information published on the website is accurate and current, insurance products, premiums, benefits, terms, conditions and regulatory requirements may change from time to time.

  1. Insurance Advisory Services Defyn acts as an insurance intermediary and advisor between clients and insurance providers. We assist clients in understanding their risks, identifying suitable insurance solutions, arranging insurance coverage, and obtaining support when making claims.

Recommendations may be based on information supplied by the client and the products and terms available from relevant insurance providers at the time.

Clients are responsible for providing complete and accurate information to enable Defyn and the relevant insurer to properly assess their insurance requirements.

  1. Insurance Coverage Information about an insurance product on this website does not constitute confirmation that insurance coverage has been granted.

Insurance coverage becomes effective only in accordance with the terms, conditions and requirements of the relevant insurer and applicable policy documentation.

The specific policy wording, schedule, certificate, endorsements, exclusions, limitations and other documents issued by the insurer govern the insurance contract.

Where information on this website differs from the terms of an insurance policy issued by an insurer, the applicable policy documentation will prevail.

  1. Quotations Any quotation requested through this website is subject to assessment and confirmation.

An online quotation, estimate or initial indication should not be interpreted as a binding insurance contract unless coverage has subsequently been formally confirmed by the relevant insurer.

Premiums and terms may change following underwriting, verification of information or assessment of the risk.

  1. Duty to Provide Accurate Information Clients should provide complete, accurate and truthful information when requesting insurance, completing proposal forms, requesting quotations, submitting claims or communicating material changes relating to an insured risk.

Incorrect, incomplete or misleading information may affect an insurer’s assessment of a risk or claim and may have consequences under the applicable policy terms and law.

Clients should promptly inform Defyn of material changes that may affect their insurance arrangements.

  1. Claims Submission of a claim through the Defyn website, claims portal, email, WhatsApp or any other communication channel constitutes notification of a claim and does not constitute acceptance, approval or confirmation that the claim will be paid.

Claims remain subject to the relevant insurer’s:

  • Policy terms and conditions;
  • Coverage limits;
  • Exclusions and applicable excesses;
  • Verification and investigation procedures;
  • Supporting documentation requirements; and
  • Claims assessment and approval processes.

Defyn may assist clients with claims notification, documentation, communication and follow-up. However, the final determination of liability, approval and settlement of a claim rests with the relevant insurance provider in accordance with the applicable insurance contract.

  1. Claim Processing Times Defyn is committed to assisting clients to pursue claims efficiently and professionally. However, claim-processing and settlement times may be affected by factors outside Defyn’s direct control, including the availability of documentation, investigations, third-party reports, medical information, loss assessments and the insurer’s internal claims procedures.

Accordingly, information concerning expected processing or settlement periods should not be interpreted as a guarantee that a claim will be concluded within a particular period.

  1. Product Information Descriptions of Motor, Life, Group Life, Health, Travel, Marine, Fire, Liability, Engineering, Bond, Accident, Aviation or other insurance products appearing on this website are intended as summaries.

They may not contain every benefit, condition, exclusion or limitation applicable to a particular insurance product.

Clients should review the relevant policy documentation and seek clarification from Defyn before making important insurance decisions.

  1. Third-Party Insurance Providers Insurance products presented or arranged through Defyn may be underwritten and issued by independent insurance companies.

References to an insurer or its products on this website do not mean that Defyn controls that insurer’s underwriting, policy administration or claims decisions.

Each insurer remains responsible for its own insurance products and obligations under policies issued by it.

  1. Third-Party Websites and Portals This website may contain links to websites, forms, payment platforms, claims portals or other digital services operated by third parties, including insurance providers.

These links are provided for convenience and to facilitate access to relevant services.

Once you access a third-party website or platform, its own terms, privacy policies, security practices and operating procedures may apply. Defyn does not control independently operated third-party websites and cannot guarantee their continuous availability, accuracy or security.

  1. Website Availability Defyn makes reasonable efforts to maintain the availability and security of its website and online services. However, we do not guarantee that the website will always operate without interruption, delay, technical failure or error.

Website services may occasionally be unavailable because of maintenance, telecommunications problems, hosting issues, cybersecurity measures or circumstances outside our reasonable control.

If an urgent insurance or claims matter cannot be submitted through the website, clients should contact Defyn through an alternative official communication channel.

  1. Downloads and Electronic Communications Users are responsible for taking reasonable precautions when downloading files, opening electronic communications or accessing third-party links.

Defyn takes reasonable measures to protect its digital services but cannot guarantee that every electronic transmission or internet-based service will be completely free from malicious software, interception or other cybersecurity risks.

  1. No Guarantee of Outcomes Nothing on this website constitutes a guarantee that:
  • An insurance application will be accepted;
  • A particular premium or insurance term will be offered;
  • A claim will be approved or paid;
  • A particular claim amount will be received; or
  • An insurer will make a decision within a particular period.

Each insurance application and claim is considered according to its individual circumstances and the terms applicable to the relevant insurance product.

  1. Financial and Professional Decisions Insurance decisions can have significant financial consequences. Information on this website should therefore be considered alongside your individual circumstances and the terms of the relevant insurance policy.

Where appropriate, clients should obtain personalised advice from a Defyn insurance advisor before making significant decisions regarding insurance coverage.

Information on this website should not be interpreted as legal, tax, accounting, investment or other professional advice outside Defyn’s insurance advisory services.

  1. Limitation of Liability To the extent permitted by applicable law, Defyn will not be responsible for loss arising solely from reliance on general website information without consideration of the applicable insurance policy, personalised advice or confirmation from the relevant insurer.

Nothing in this Disclaimer is intended to exclude or limit any responsibility that cannot lawfully be excluded or limited under Ghanaian law.

  1. Intellectual Property Unless otherwise stated, the content of this website, including text, graphics, branding, logos, designs and other original materials belonging to Defyn, is protected by applicable intellectual property rights.

Website content may not be reproduced, modified, distributed or used for commercial purposes without appropriate permission, except where permitted by law.

Third-party names, logos and trademarks remain the property of their respective owners.

  1. Privacy and Personal Data Personal information submitted through the Defyn website is handled in accordance with our Privacy, Data Processing & Cookie Notice and applicable data protection requirements.

Users should avoid submitting unnecessary confidential or sensitive information through general enquiry forms or communication channels. Where documents containing personal or sensitive information are required for an insurance application or claim, clients should use the channels designated by Defyn for that purpose.

  1. Changes to Website Information Defyn reserves the right to update, amend, remove or replace website content at any time to reflect changes in our services, insurance products, partnerships, business operations or applicable requirements.

The availability of an insurance product or service displayed on the website may therefore change without prior notice.

  1. Governing Law This website and this Disclaimer are governed by the applicable laws of the Republic of Ghana.

Nothing in this Disclaimer affects any rights available to clients or consumers under applicable Ghanaian law or insurance regulation.

  1. Contact Defyn If you require clarification about any information presented on this website, an insurance product, quotation or claim, please contact Defyn before making a decision based on the information provided.

For insurance advice specific to your circumstances, please speak with a Defyn Insurance Advisor.