Terms & Conditions

Milembe Insurance Company Limited (“Milembe”, “we”, “us” or “our”) is a private company incorporated in Tanzania with incorporation number 34020 and regulated by the Tanzania Insurance Regulatory Authority with licence number IC-2009-0020. Our head office is located at Viva Towers, 2nd Floor, Room No.2, Ali Hassan Mwinyi Road, P.O. Box 14548, Dar es Salaam, Tanzania. You can contact us at info@milembeinsurance.com or by phone at +255 767 149 149.

By accessing, browsing or using this website, you acknowledge that you have read, understood and agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, please do not use this website.

We may amend these Terms from time to time by posting an amended version on this page. Your continued use of the website following any amendments constitutes your acceptance of the amended Terms.

1. Eligibility & Use of Website

  • This website is primarily intended for personsin Tanzania. Product availability may be limited outside this jurisdiction.
  • You agree to use this website only for lawful purposes and in accordance with these Terms.

2. Information on Products & Services

  • The content on this website is provided for general informational purposes only.
  • Nothing on this website constitutes:
    • an offer of insurance,
    • a contract of insurance, or
    • financial, legal, or professional advice.
  • All insurance products are subject to their own policy terms, conditions and exclusions.
  • In the event of any inconsistency, the official policy wording prevails.

3. Intellectual Property

  • All content on this website (including text, graphics, design, logos, trademarks, and software) is owned by or licensed to Milembe.
  • You may view and print content for personal use only.
  • You must not copy, modify, reproduce, distribute, or exploit content without our prior written consent.

4. Acceptable Use

  • You agree not to:
    • introduce viruses, malware, or harmful code;
    • attempt to gain unauthorised access to this website or its servers;
    • use the website for fraudulent, defamatory, unlawful, or misleading purposes; or
    • scrape, mine, or harvest data from this website without permission.
  • We reserve the right to suspend or terminate access to users who violate these Terms.

5. Third-Party Websites

This website may contain links to third-party websites for convenience.

  • We do not control or endorse the content of such websites.
  • We are not responsible for their availability, accuracy, or security.
  • Your use of third-party websites is at your own risk and subject to their terms.

6. Privacy & Cookies

  • Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect personal data.
  • This website may use cookies and tracking technologies to improve functionality. Please refer to our Privacy Policy for more details.

7. Disclaimers

  • This website and its content are provided “as is” and “as available”.
  • We make no warranties, express or implied, regarding:
    • accuracy, reliability, completeness, or timeliness of information;
    • uninterrupted or error-free access;
    • freedom from viruses or harmful components.
  • Use of this website is at your own risk.

8. Limitation of Liability

To the maximum extent permitted by law, Milembe shall not be:

  • liable for any indirect, incidental, special or consequential loss or damages, including loss of profits, goodwill, or data, arising out of your use of this website; and
  • failure to perform our obligations under these Terms due to events of force majeure, including natural disasters, government actions, technical failures, or cyberattacks.

9. Indemnity

You agree to indemnify and hold harmless Milembe, its officers, employees, and agents from any claims, liabilities, damages, or expenses arising out of your:

  • breach of these Terms, or
  • misuse of this website.

10. Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of our rights.

11. Governing Law & Dispute Resolution

These Terms are governed by the laws of the United Republic of Tanzania. Any dispute arising in connection with these Terms shall be subject to the exclusive jurisdiction of Tanzanian courts.