Terms of Use

Website Terms and Conditions

Last Updated: 2026

These Terms of Use ("Terms") govern access to and use of the website thekompetenz.com operated by Insurance Broker Kompetenz ("Company", "we", "us", or "our"). By accessing or using this website, you agree to comply with these Terms.

If you do not agree with these Terms, you must not use this website.

1. Scope of Services

The website provides information about insurance brokerage, risk management, and reinsurance services. All content is provided for informational purposes and does not constitute a binding offer, financial advice, or insurance contract.

2. Use of the Website

Users agree to use the website in a lawful and responsible manner. The following actions are prohibited:

• Unauthorized access to systems, servers, or data
• Use of the website for fraudulent or unlawful purposes
• Interference with website functionality or security
• Transmission of malicious code or harmful content

We reserve the right to restrict or terminate access for users who violate these Terms.

3. Intellectual Property

All content on the website, including text, graphics, logos, images, and design elements, is the property of Insurance Broker Kompetenz or its licensors and is protected by applicable intellectual property laws.

Users may not reproduce, distribute, modify, or use any content without prior written consent.

4. No Professional Advice

Information provided on this website does not constitute "insurance advice", "legal advice", or "financial advice". Any decisions regarding insurance coverage should be made based on professional консультации and individual analysis.

We recommend contacting our specialists for tailored insurance solutions.

5. Limitation of Liability

To the fullest extent permitted by applicable law, the Company shall not be liable for:

• Direct or indirect damages arising from the use of the website
• Loss of data, profits, or business opportunities
• Errors or inaccuracies in the content
• Interruptions or technical failures

The website is provided on an "as is" and "as available" basis without warranties of any kind.

6. Third-Party Services

The website may include links to third-party websites, platforms, or services. We do not control and are not responsible for the content, policies, or practices of third parties.

7. Confidentiality and Communications

Any information submitted through the website (including forms and communications) may be used for business purposes in accordance with our Privacy Policy.

While we implement security measures, transmission of information via the internet cannot be guaranteed as completely secure.

8. Regulatory Compliance

Insurance Broker Kompetenz operates in accordance with applicable laws and regulations governing insurance brokerage activities. Users are responsible for ensuring that their use of the website complies with local laws in their jurisdiction.

9. Changes to Terms

We reserve the right to update or modify these Terms at any time. Updated versions will be published on this page with the revised date.

Continued use of the website after changes constitutes acceptance of the updated Terms.

10. Governing Law

These Terms shall be governed by and interpreted in accordance with applicable laws. Any disputes arising in connection with these Terms shall be resolved in accordance with relevant jurisdictional rules.

11. Contact Information

For any questions regarding these Terms of Use, please contact:

Insurance Broker Kompetenz
Website: thekompetenz.com
Email: info@kompetenz.kz