Banyan Claims Consultant Ltd: Terms and Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your access to, and use of the website and services provided by Banyan Claims Consultant Limited ("Banyan Claims", "we", "us", or "our"). By using our website or engaging our advisory services, you agree to comply with these Terms. If you do not agree to any part of these Terms, you must not access or use our services.

2. About Banyan Claims

Banyan Claims Consultant Limited is a claims advisory and consultancy firm. We provide claims documentation support, claim readiness review, claims workflow support, and related advisory services. We do not underwrite, issue, administer, or sell insurance policies, and we do not act as brokers, statutory loss adjusters, or legal representatives.

3. Client Eligibility

  • Be at least 18 years old or of legal contracting age in your jurisdiction.
  • Provide accurate, complete, and current information during any engagement.

4A. Advisory Scope

  • Claims documentation and evidence review
  • Claim readiness review
  • Claims workflow and progress-tracking support
  • Communication support with insurers, brokers, or other relevant parties where specifically authorised by clients
  • Review of insurer responses and documentation-related guidance
  • Claims process guidance, templates, and advisory support

Banyan provides consultancy, documentation, and workflow support services only. We do not guarantee that any insurer will admit, approve, or settle a claim, or that any claim will result in a particular amount or outcome.

4B. Services We Do Not Provide

Banyan Claims Consultant Limited does not underwrite insurance, sell or distribute insurance products, act as an insurance broker or intermediary, perform statutory loss-adjusting functions, decide claims on behalf of insurers, guarantee claim acceptance or settlement outcomes, receive insurer settlement funds on behalf of clients, or provide legal representation in mediation, arbitration, or litigation.

4C. Legal Disclaimer

Banyan Claims Consultant Limited is not a law firm and does not offer legal representation or legal advice. Any support we provide in relation to insurance claims is strictly in an advisory and documentation capacity. We work independently and may collaborate with licensed legal practitioners where necessary, but we do not act as legal counsel. Clients requiring formal legal advice or representation are encouraged to engage a qualified legal professional.

5. Fees and Payment

All fees for our services will be clearly communicated and agreed upon prior to engagement. Payment terms and schedules will be outlined in your individual Service Agreement.

6. Confidentiality & Data Protection

We adhere to the Nigeria Data Protection Act, 2023. Personal data collected during engagements is treated with the highest confidentiality and is only used for the purpose of delivering our services. Our full Privacy Policy outlines your rights and our responsibilities.

By engaging our services or submitting your contact information, you consent to receive communication from Banyan Claims via email, SMS, or phone regarding your support request, documentation review, advisory matters, or service updates. You may opt out of non-essential communications at any time.

7. Limitation of Liability

Banyan Claims shall not be held liable for any insurer's decision, action, or inaction regarding an insurance claim associated with a client support request. Our responsibility is limited to the provision of accurate and professional advisory services.

  • Claim denials by third parties
  • Delays in review, handling or response by insurers or other relevant parties
  • Financial losses arising from client non-disclosure or misrepresentation

Banyan Claims does not underwrite or issue insurance policies and shall not be liable for insurer decisions or non-payment of claims.

8. Intellectual Property

All content on our website, including our logo, written materials, and methodology, is the property of Banyan Claims. You may not copy, reuse, or distribute any of our intellectual property without prior written consent.

You will notify us if you become aware of any infringement or misappropriation of any of our Intellectual Property rights in the Website, or our brand features and will fully cooperate with us, at our cost, in any action taken by us to enforce our Intellectual Property rights.

9. Acceptable Use

You agree not to use our services for any unlawful or fraudulent activity, including submitting false or misleading information to insurers.

10. Website Usage

Our website may contain links to third-party websites. We are not responsible for their content, policies, or security practices. Use them at your discretion.

By using our website, you consent to our use of cookies as outlined in our Privacy Policy. You may manage cookie preferences via your browser settings.

11. Modifications to Terms

We may revise these Terms periodically. Updates will be published on our website, and your continued use of our services constitutes acceptance of the revised Terms.

12. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be resolved under the jurisdiction of Nigerian courts.

12A. Dispute Resolution

In the event of any dispute arising out of or in connection with these Terms or our services, both parties agree to attempt to resolve the matter amicably through good-faith discussions. Where resolution is not achieved, the parties may consider mediation or arbitration before pursuing litigation.

12B. Force Majeure

Banyan Claims shall not be held liable for any failure or delay in the performance of its obligations due to events beyond reasonable control, including but not limited to natural disasters, acts of government, internet outages, or civil unrest.

12C. Severability

If any provision of these Terms is found to be invalid or unenforceable, such provision shall be modified to reflect the parties' intention, and all remaining provisions shall remain in full force and effect.

13. Contact Us

For questions or complaints regarding these Terms: Banyan Claims Consultant Limited
Email: enquiries@banyanclaims.com
Website: www.banyanclaims.com

Effective Date: June 2025