Terms and Conditions

Terms of Service

Be informed about the details of the agreement you are reaching with Tangerine Life Insurance Limited. Read this carefully as it is legally binding.

Legal Policies

Tangerine Life Insurance Limited (also referred to as “we”, “us”, “the website” and “the app”) provides these terms and conditions to its customers (also referred to here as “users”, “you”, and “website visitors”) with the understanding that use of its services constitutes an agreement (the “Agreement”) to be bound by these terms. Both Tangerine Life’s website and its application fall under the terms stated in this Agreement, as well as any add-on software or services provided by Tangerine Life or third party providers.

Application License

All rights, titles, interests in and to Services including worldwide Intellectual Property Rights therein, are and will remain the exclusive property of Tangerine Life and its applicable licensors. We reserve all rights not expressly granted in and to the Services.
Using our Services does not give you ownership of any intellectual property rights in our Services or the Content you access (other than your User Content), which shall remain with us and our respective licensors.
This is an agreement between you and Tangerine Life only.
Your use of the features on the Tangerine Life Application is subject to the Privacy Policy and User Agreement found at www.life.tangerine.africa
Registering and Using Tangerine Life Tangerine Life provides its application through www.life.tangerine.africa. A customer can download the app from the app store, view billing information, and manage subscription features by visiting the website. A Tangerine Life customer will serve under functions such as administrators, approvers, and users along with other roles to be defined by the administrator.
Tangerine Life grants you the right to use this application only for your personal use on the mobile device that you own or control as permitted by any terms of use required by the party providing the app store from which you are downloading this application.
By registering for Tangerine Life services, you agree to provide only information that is accurate to the best of your knowledge. You also agree to update that information as it changes. You will also accept responsibility for creating and safeguarding a password that keeps your account information secure. You also agree to risks that are attached to the use of an online Financial system and accept full responsibility for any account breaches that may occur as a result.
You may not modify, copy, publish, license or sell, re-engineer or otherwise commercialize this application or any information or software associated with this application. You must regularly check for and if available, update the Application software.
You must comply with applicable third-party terms of agreement when using this application (e.g. your wireless data service agreement or third-party services you rely on to use this application).
You must use the application in compliance with all applicable laws and regulations of the Federal Republic of Nigeria.
Your access to the use of the application and the services will be solely at the discretion of Tangerine Life.
Your right to use this Application will terminate immediately if you violate any provision of this License Agreement. Tangerine Life reserves the right to block access to your use of this application as your use of the website and the app is solely at the discretion of Tangerine Life.

Limitation of Liability

Except as otherwise stated in this License Agreement, Tangerine Life is not liable for any harm resulting from any use or misuse of this application.
Such limitation of liability includes direct, indirect, incidental, consequential, special, exemplary, and punitive damages whether such claim is based on contract, tort or otherwise.
In the event an error occurs on your account due to the fault of Tangerine Life, our liability shall be limited solely to actual loss which is proven to have arisen from our fault.

User Content

Tangerine Life users retain full ownership of the content they post within the app and on the Tangerine Life website.
Tangerine Life retains the right to utilize this information to operate the site, including displaying usernames in forums and providing information to your customers as requested by you.
By using Tangerine Life, you grant the website and the service a non-exclusive, royalty-free, transferable right to use, display, reproduce, distribute, publish, modify, adapt, translate and create derivative works based on that content in the manner in which Tangerine Life chooses to perform such activities periodically.
You also warrant that you own the content you post within the app or that you have the right to post the content in the course of doing business.


By signing up as a subscriber of Tangerine Life’s services, you consent to have your billing account automatically debited for the amount and term you choose in account settings, and you unequivocally agree that Tangerine Life shall only allow you to transact with your funds held in its wallet save for any legal or business restrictions.

Purchase Advisory and Indemnification

Tangerine Life assumes no liability or responsibility for any purchases made through the Tangerine Life system.
Anytime, Tangerine Life users make purchases of either the products or services that are not proprietary to us, they are doing so at their own risk.
By signing up and joining Tangerine Life, all users hereby agree in full that Tangerine Life and all its subsidiaries, officers, directors, employees, owners, agents and affiliates are released from any liability of losses users may incur when using this service.
Users completely indemnify Tangerine Life and hold harmless Tangerine Life and its subsidiaries, officers, directors, shareholders, agents and employees from any claim made by any third party (including your customers or Tangerine Life users respectively).
Tangerine Life processes but has no control over any affiliate’s daily business operations. Knowing and intentionally denying any credit or debit card transaction, bank wire or direct bank move used to fund a Tangerine Life account with a user’s specific authorization constitutes fraud and violates the laws governing this contract.
Any such action will be prosecuted within the full ambit of the law.

Governing Law and Dispute Resolution

This Agreement is to be governed and construed by the laws of the Federal Republic of Nigeria and all claims or disputes between the Parties arising from, or in connection with, this Agreement shall be resolved by reference to arbitration under the Arbitration and Conciliation Act Cap 18 of the Laws of the Federation of Nigeria, 2004. The arbitration proceedings shall be conducted in Lagos and the English Language before a sole arbitrator appointed jointly by the Parties within three (3) business days of the notice
of the dispute by the aggrieved party or failing such agreement, by a person appointed by the Chairperson of the UK Chartered Institute of Arbitrators (Nigeria Branch) at the written request of either party. The proceedings shall be concluded with the delivery of the arbitrator's award within 60 days of the appointment.

User Agreement

When you access Tangerine Life using a mobile device, we may collect and store sign-on data in connection with that device (including device ID) and geolocation data to provide our services.
You understand and agree that Tangerine Life will collect and process your data, including your identity and location as part of this service. Your data will also be requested and processed if you seek to register your Tangerine Life Account through our Application.
You agree to abide by and comply with the Tangerine Life User Agreement and Privacy Policy in using this Application.
You agree that any registration information you give to us will always be true, accurate, correct, complete and up to date. Any mobile phone number used to register with the applications needs to be registered in your name and you might be asked to provide supporting documents to prove the same. Tangerine Life shall not be liable if any loss arising from your negligence to register and/or deregister your mobile phone number.
The information you provided to Tangerine Life or otherwise obtained from the system will not be used for any unauthorized and unlawful purposes.
You agree not to access (or attempt to access) any of the Services by any means other than through the interface that is provided by Tangerine Life unless you have been specifically allowed to do so in a separate agreement with us.
You agree that you will not engage in any activity that interferes with or disrupts our Services (or the servers and networks which are connected to our services).
You agree that you are solely responsible for (and that Tangerine Life has no responsibility to you or any third party for) any breach of your obligations under the Terms and for the consequences (including any loss or damage which Tangerine Life may suffer) of any such breach.
You will not impersonate another person, including without limitation, a Holder or a Merchant.
You agree to the use of your data by Tangerine Life’s Privacy Policy.
All personal and contact information provided by you will be kept confidential by Tangerine Life. This includes your personal information given about your account creation and subsequent administration.

Electronic Transmissions

By accepting the receipt of Electronic Transmissions, you voluntarily agree to have all records, including your current and future insurance-related documents, provided to you in electronic form. Insurance-related documents include, but are not limited to:

  • Your insurance policy and all documents, notices and correspondence related to your insurance policy. This could include ID Cards, applications, amendments, endorsements, illustrations, questionnaires, disclosures, and reports;
  • Bills, billing notices, payment schedules or any other correspondence related to premium payments;
  • Claim notices, disclosures, status letters, forms, and correspondence concerning a claim that arises under your policy or involves you as an insured and/or claimant;
  • Legally mandated policies, notices, and disclosures to inform you of our business practices, including notices related to our collection, storage, use, and disclosure of your personal information; and
  • Any other documents related to your insurance transactions with us.

We will use various methods to provide communications to you electronically, including via e-mail or through our website or app. For this second option, you may need to log in to access the information.
This consent, unless withdrawn, applies to all transactions between you and Tangerine Life.


As a User, you shall not use the products or services in connection with any illegal or fraudulent business activities under any laws or regulations of any applicable jurisdiction.

Insurance Related Notices

Claims Submissions

No claim in respect of an insured deceased shall be admitted by Tangerine Life unless Tangerine Life receives written notice thereof within 6 (six) months after the date of death
and receives the required documents within 6 (six) months of the notification of death or 3 (three) months after an inquest in respect of the death.
At its sole discretion, Tangerine Life may consider a claim submitted after the 6-month period of grace. Tangerine Life reserves the right to ask for such evidence as it deems necessary.
If you elect to report an insurance claim, the information you submit regarding your insurance policy and the loss is subject to review and verification. Tangerine Life reserves the right to request additional information before deciding on the claim. A claim representative may be communicating with you regarding your claim. It is a crime to knowingly provide false, incomplete or misleading information to an insurance company to defraud the company. Penalties include imprisonment, fines and denial of insurance benefits. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please send an email to hello@tangerine.africa

Consent and Authority to Obtain Information

In connection with any claim under your insurance policy, you consent to the release to us by third parties of all information and documents – whether or not confidential or non-public – that we deem pertinent to the claim, including but not limited to personally identifiable information, personal financial information, protected health information and any information you have provided to any law enforcement agency. You hereby authorize Tangerine Life as your representative for purposes of obtaining release to us of any such information from third parties. Any such information released to Tangerine Life will be held and used under our Privacy Policy.

Your agreement with Tangerine Life

We reserve the right to modify the terms of this Agreement at any time without giving you any prior notice.
Your use of the website and app following any such modification constitutes your agreement to follow and be bound by the modified terms.
Any additional terms and conditions, disclaimers, privacy policies, applicable in general and/or to specific areas of this application or particular services are also considered as part of this Agreement.