Ride Guard / Brand Assurance Community Insurance Partner Terms & Conditions
Created: May 04, 2026
01. Parties and Platform Relationship
This agreement governs the relationship between the Ride Guard / Brand Assurance platform and the Community Insurance Partner (CIP). The CIP acts as an authorized intermediary providing field-level services, while Brand Assurance provides the technological framework and risk management oversight.
02. Nature of Relationship
The CIP is an independent contractor and not an employee, joint venturer, or partner of Ride Guard or Brand Assurance. No agency relationship is created beyond the specific scope of activities defined for community insurance products.
03. Product Scope
Partners are authorized to represent only approved Brand Assurance products, including Ride Guard Protection, Community Pool Coverage, and incidental logistics risk products listed in the active Product Catalog on the CIP Access portal.
04. Approved CIP Activities
CIPs may engage in customer onboarding, policy explanation, data collection for risk assessment, and basic claim documentation assistance. All activities must be conducted through the official CIP Access mobile or web applications.
05. Prohibited Activities
CIPs are strictly prohibited from modifying policy terms, promising coverage outside written guidelines, collecting cash payments without digital recording, or sharing proprietary risk scoring models with unauthorized third parties.
06. Mis-selling Prevention and Customer Understanding
CIPs must ensure customers understand the relevant policy limits, payment obligations, exclusions, and claim documentation requirements. Intentionally selling the wrong product or misrepresenting cover is a material breach.
07. Customer Consent and Approval Codes
Every application, payment instruction, or policy submission must be supported by explicit customer consent. Approval codes sent by SMS or email may only be used after the customer has reviewed the related cover details.
08. No-Cash and Official Payment Rules
CIPs must not collect or hold customer cash. Payments must be made through M-Pesa, card, bank, or another Brand Assurance-approved digital channel integrated into the platform.
09. Sales Commission and Partner Earnings
Commissions are calculated from eligible net premiums and shown in the CIP earnings dashboard. Rates, maturing periods, referral splits, clawbacks, and platform fees are governed by the active commission configuration.
10. Clawback, Reversal, and Forfeiture
Commission may be reversed if a policy is cancelled, refunded, found fraudulent, sold outside approved procedures, or affected by mis-selling. Clawbacks may be applied against future earnings where permitted.
11. Pre-existing Losses and Fraud Prevention
CIPs must not assist customers in obtaining cover after an accident or known loss has occurred, or submit post-dated, altered, or inaccurate details. Suspected fraud must be escalated immediately.
12. Claims Handling Rules
CIPs may assist customers with documentation and escalation, but they have no authority to approve, deny, settle, or promise payment for any claim.
13. Platform Protection for Approved Work
Brand Assurance will support CIPs acting within approved workflows and documented standard operating procedures. This protection does not extend to unauthorized promises, fraud, negligence, or cash handling.
14. Data Protection and Confidentiality
CIPs must protect customer, vehicle, policy, financial, and identity data. Customer information must not be stored on personal devices, reused for unrelated marketing, or shared outside the Brand Assurance ecosystem.
15. Branding, Marketing, and Public Representation
CIPs may use only approved Brand Assurance or Ride Guard marketing materials. Custom signage, public promotions, social posts, and partner claims require prior approval where requested by Brand Assurance.
16. Monitoring, Audit, and Quality Assurance
Brand Assurance may review digital logs, customer feedback, call records, transaction trails, GPS activity, and onboarding history to verify service quality and compliance.
17. Complaints and Escalation
CIPs must report customer dissatisfaction, disputes, suspected fraud, payment issues, or regulatory complaints within 24 hours through the official support or ticketing channel.
18. Suspension and Termination
Brand Assurance may suspend or terminate CIP access for fraud, regulatory risk, reputational damage, breach of this agreement, or failure to follow platform procedures.
19. CIP Liability and Indemnity
The CIP is responsible for loss, penalties, complaints, or regulatory action caused by unauthorized actions, false submissions, cash collection, negligence, or deliberate breach of these terms.
20. Limitation of Brand Assurance Liability
Brand Assurance is not liable for loss caused by the CIP's unauthorized statements, off-platform transactions, cash handling, or activities outside written procedures.
21. Changes to Products, Rates, and Procedures
Products, commission rates, operating rules, and system procedures may change. Current configurations and published notices in the portal supersede earlier operational guidance.
22. Governing Law and Dispute Resolution
These terms are governed by the laws of Kenya. Disputes should first be escalated through Brand Assurance support and may then proceed through the applicable legal or regulatory channels.
23. Digital Records and Electronic Acceptance
Electronic acceptance, audit logs, timestamps, IP address, user agent, and document version records form a legally binding digital signature and may be used for compliance or dispute review.
24. Acceptance
By accepting these terms, the CIP confirms they have read, understood, and agreed to comply with the Ride Guard / Brand Assurance Community Insurance Partner Terms & Conditions in their entirety.
