1. About Us

Timecare Insurance Partners Limited is an insurance broker licensed by the Pensions and Insurance Authority (PIA) of Zambia and operating under the Insurance Act. Our registered office is at Plot 1011, Palm Drive Road, Off Great East Road, Lusaka.

2. Use of This Website

This website provides information about our broking services and allows you to request quotations and make enquiries. Content is provided in good faith for general information and does not constitute financial, legal, or insurance advice specific to your circumstances until confirmed by one of our licensed brokers.

3. Quotations & Placement

Quotations requested through this website are indications prepared from information you provide and are subject to insurer acceptance, underwriting, and final policy terms. Cover is only in force once confirmed in writing by the relevant insurer. You are responsible for the accuracy and completeness of information you supply; inaccurate disclosure may affect claims.

4. Our Role as Broker

Timecare acts as an independent intermediary between clients and licensed insurers. Insurance policies are contracts between you and the insurer; claim settlement decisions rest with the insurer, though we advocate on your behalf throughout the claims process.

5. Intellectual Property

All content on this website — including text, graphics, logos, and design — is the property of Timecare or its licensors and may not be reproduced without written permission.

6. Limitation of Liability

While we take care to keep this website accurate and available, we do not warrant uninterrupted or error-free operation and accept no liability for loss arising from reliance on general website content, third-party links, or circumstances beyond our reasonable control.

7. Privacy

Your use of this website is also governed by our Privacy Policy.

8. Governing Law

These terms are governed by the laws of the Republic of Zambia, and any disputes are subject to the jurisdiction of the Zambian courts.

9. Contact

Questions about these terms? Contact us at info@timecare.co.zm or +260 211 XXX XXX.