Last Updated: 23/09/2025
Who we are
Our website address is: https://pawsafi.co.ke/
Welcome to PawSafi (the “Website”), operated by Fred Black Insurance Brokers Ltd, a licensed insurance broker regulated by the Insurance Regulatory Authority (IRA) of Kenya, and underwritten by Cannon General Insurance (K) Ltd, a duly licensed general insurer in Kenya.
Fred Black Insurance Brokers Ltd
Registered Company No: C.108543
Licence No: IRA/06R/019/2025
Physical Address: Bay Court, Watermark Business Park, Ndege Road, Karen, Langata, Nairobi, Kenya
Email: info@fredblack.net
Cannon General Insurance (K) Ltd
Registered Company No: [Insert]
Address: Williamson House, 4th Ngong Avenue, Nairobi, Kenya
Email: info@cannon.co.ke
By using this Website or purchasing a policy, you agree to these Terms & Conditions.
Eligibility
You must be 18 years or older to purchase a PawSafi policy.
Cover is available only for residents of Kenya.
Pets must meet all policy onboarding requirements:
– Microchipped with an ISO 11784/11785 compliant chip.
– Valid proof of up-to-date vaccinations.
– Within the eligibility age range (8 weeks – 8 years) at policy inception.
Policy Formation
Quotes and premium calculators on the Website are for illustration only and do not constitute a contract.
Cover commences only when:
1. Full or first premium is received,
2. All onboarding requirements are met, and
3. A Certificate of Insurance is issued by Cannon General Insurance (K) Ltd.
Read the full Accident Policy wording here: https://pawsafi.co.ke/wp/wp-content/uploads/2025/09/Accident-Pet-Insurance-Policy-Document.pdf
Read the full Comprehensive Policy wording here: https://pawsafi.co.ke/wp/wp-content/uploads/2025/09/Comprehensive-Pet-Insurance-Policy-Document.pdf
Payments & Renewals
Policies may be paid monthly or annually.
Accepted payment methods: MPESA, card payments, or cheques payable to Fred Black Insurance Brokers Ltd.
A 15-day grace period applies for missed monthly payments before the policy lapses.
Annual policies are invited for renewal 30 days prior to expiry, and terms and premiums may be revised at renewal.
Cancellation & Cooling-Off
You may cancel your policy at any time by notifying us in writing.
21-day cooling-off period: If you cancel within 21 days of policy start (and no claim has been made), we will refund premiums paid (less admin fees and taxes that cannot be refunded).
We may cancel the policy with 30 days’ written notice, except in cases of fraud, non-disclosure, or material change in risk where cancellation may take effect immediately.
Claims
Claims must be reported within 30 days of treatment.
Claims above KES 10,000 require pre-authorisation except in emergencies (where notice must be given within 24 hours).
All claims are subject to the limits, exclusions, and conditions stated in the Accident or Comprehensive policy wording.
Use of Website
Content is provided for general informational purposes and does not replace professional advice from a veterinarian or broker.
We do not guarantee uninterrupted access to the Website or error-free operation of calculators or forms.
Limitation of Liability
Fred Black Insurance Brokers Ltd, Cannon General Insurance (K) Ltd, and PawSafi will not be liable for:
– Losses arising from Website downtime, technical errors, or misinterpretation of calculator results.
– Indirect, consequential, or incidental losses except as required by law.
Changes to Terms
We may update these Terms from time to time. The updated version will be posted on the Website with a new “Last Updated” date.
Governing Law
These Terms & Conditions shall be governed by the laws of the Republic of Kenya.
Any disputes shall be subject to the exclusive jurisdiction of the courts of Nairobi, Kenya.
PawSafi Privacy Policy
Last Updated: 23/09/2025
Introduction
Your privacy is important to us. This Privacy Policy describes how Fred Black Insurance Brokers Ltd (“we”, “our”, or “us”) collects, uses, and protects your personal data in compliance with the Kenya Data Protection Act, 2019.
Information We Collect
We may collect:
– Personal details: Name, ID number, contact details.
– Pet details: Species, breed, age, microchip number, vaccination status.
– Policy data: Premium history, claims, and communications.
– Payment information: MPESA details, card information (processed securely).
– Technical data: IP address, browser type, cookies, and analytics data (Google Analytics, Meta Pixel).
How We Use Your Information
We use your information to:
– Provide quotes, process applications, and issue policies.
– Administer policies, including renewals and cancellations.
– Process and settle claims.
– Comply with regulatory and legal obligations.
– Communicate with you regarding your policy and send updates or promotions (you may opt out at any time).
Data Sharing
We may share your information with:
– Cannon General Insurance (K) Ltd (underwriter).
– Veterinary clinics (for claims verification).
– Payment providers, CRM and IT service providers.
– Regulators and statutory bodies where legally required.
– Reinsurers, auditors, and legal advisors.
We will never sell your personal data to third parties.
Data Storage & Security
Data is stored securely in Kenya and/or on secure cloud servers.
We use encryption and access controls to protect data.
Access to personal data is restricted to authorised personnel only.
Data Retention
We retain personal data for 7 years after policy termination, or longer if required by law or for ongoing claims.
Your Rights
You have the right to:
– Access and obtain a copy of your personal data.
– Request correction or deletion of inaccurate data.
– Withdraw consent for marketing communications.
– Lodge a complaint with the Office of the Data Protection Commissioner if you believe your data rights are violated.
Cookies & Tracking
Our Website uses cookies and similar technologies for analytics and performance.
You can manage or disable cookies in your browser settings, though some features of the site may not work properly.
Changes to this Privacy Policy
We may update this Privacy Policy from time to time. The latest version will always be available on our Website.
Contact Us
Fred Black Insurance Brokers Ltd
Email: info@fredblack.net
Phone: +254 (0)718 792430
Address: Bay Court, Watermark Business Park, Ndege Road, Karen, Langata, Nairobi, Kenya