Terms & Conditions

1. About PPIB

Property & Pecuniary Insurance Brokers (PPIB) is a registered insurance brokerage firm licensed under the National Insurance Commission (NAICOM) to provide insurance brokerage, advisory, and risk management services in Nigeria.
Our mission is to help individuals, businesses, and institutions make informed insurance decisions with trust and transparency.

2. Acceptance of Terms

By visiting or interacting with this website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and all applicable laws and regulations.
If you are using this website on behalf of a company or organization, you confirm that you have authority to bind such entity to these terms.

3. Use of Website and Services

This website and its content are intended for lawful purposes only.
You agree not to:

• Use the website for fraudulent, illegal, or misleading activities.

• Attempt to gain unauthorized access to systems, data, or user information.

• Copy, reproduce, distribute, or exploit any website material without prior written consent.

• Interfere with the website’s functionality, security, or availability.

Violation of these terms may result in restricted access or legal action as permitted by Nigerian law.

4. Information Accuracy and Disclaimer

While PPIB strives to maintain accurate and up-to-date information on this website, all materials are provided “as is” without any express or implied warranty.
Insurance products, pricing, and availability may change without prior notice.

PPIB does not guarantee that:

• The website will be error-free or uninterrupted.

• Information provided is exhaustive or applicable to every user scenario.

• External links or resources referenced are free from risk.

Users are encouraged to contact our licensed advisors for personalized insurance recommendations before making policy decisions.

5. Quotes and Policy Information

Any insurance quote or policy information obtained via this website is indicative only and does not constitute a binding agreement or policy issuance.
Final premiums, terms, and coverage are determined after full underwriting, documentation, and payment confirmation from relevant insurers.

Submitting a quote request or contact form does not guarantee automatic coverage or acceptance.

6. Intellectual Property Rights

All website materials — including text, graphics, logos, icons, images, videos, and software — are the intellectual property of Property & Pecuniary Insurance Brokers or its licensors.
You may view and print content for personal, non-commercial use only.

Any unauthorized reproduction, distribution, or modification of PPIB content is strictly prohibited and may result in legal action.

7. Third-Party Links

Our website may contain links to external websites for your convenience.
These third-party sites are not controlled or endorsed by PPIB, and we assume no responsibility for their content, accuracy, or privacy practices.
Visiting such sites is at your own risk.

8. Limitation of Liability

To the fullest extent permitted by law, PPIB, its officers, employees, and affiliates shall not be liable for any:

• Loss or damage (direct, indirect, or consequential) arising from your use or inability to use this website.

• Errors, omissions, or delays in website content.

• Unauthorized access to or alteration of user communications or data.

This limitation applies even if PPIB has been advised of the possibility of such damages.

9. Indemnification

You agree to indemnify and hold harmless Property & Pecuniary Insurance Brokers, its employees, partners, and affiliates from any claims, liabilities, damages, or expenses (including legal fees) resulting from your misuse of this website or violation of these Terms.

10. Privacy and Data Protection

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and safeguard your personal data.
By using our services, you consent to such processing in accordance with that policy.

Read our full → [Privacy Policy].

11. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the Federal Republic of Nigeria.
Any disputes arising from or relating to the use of this website shall fall under the jurisdiction of the High Courts of the Federal Capital Territory, Abuja.

12. Changes to Terms

PPIB reserves the right to update or modify these Terms & Conditions at any time without prior notice.
All revisions will be posted on this page with the updated “Last Updated” date.
Continued use of the website after changes indicates acceptance of the revised terms.

13. Contact Information

For questions or clarifications regarding these Terms & Conditions, please contact us via:

Property & Pecuniary Insurance Brokers (PPIB)
📍 [Polak House, 7 Fola Jinadu Crescent, Gbagada Phase 1, Lagos ]
📧 Email: [info@pnpinsbrokers.com]
📞 Phone: [+234-80-5632-8187, +234-80-3917-7877, +234-80-3495-5049]
Subject Line: Privacy Inquiry