Myka: Terms of Use
Version: 1.0
Effective Date: 14th May, 2026
Last Updated: 25th June, 2026
Please read these Terms of Use carefully before using the Myka Platform. By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree, you must discontinue use immediately.
1.1 About Myka
Myka Insurance Brokers is a NAICOM-licensed insurance broker registered under the laws of the Federal Republic of Nigeria (RC: 987418). Myka operates a digital insurance distribution platform that enables users to compare, purchase, and manage insurance products offered by licensed underwriters in Nigeria.
1.2 Eligibility
You must be at least 18 years of age and legally capable of entering into binding contracts under Nigerian law to use the Platform. By registering, you represent that you meet these requirements and that all information you provide is accurate and complete.
1.3 Account Registration
Certain features of the Platform require registration. You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account. You agree to notify Myka immediately of any unauthorised use of your account. Myka reserves the right to suspend or terminate accounts that violate these Terms or are used for fraudulent purposes.
1.4 Nature of Services
Myka acts as an intermediary between you and licensed insurance underwriters. Myka does not itself underwrite insurance policies. All insurance contracts are between you and the relevant underwriter. While Myka endeavours to present accurate and up-to-date product information, the final terms, conditions, premiums, and coverage of any insurance policy are determined by the underwriter. Quotations displayed on the Platform are indicative and subject to the underwriter's acceptance of the risk.
1.5 Premium Payments
Premium payments are processed through the Platform via our payment partner, Paystack. You acknowledge that Myka facilitates premium collection on behalf of underwriters and that all premiums are remitted to the relevant underwriter in accordance with NAICOM regulations. A valid insurance cover does not take effect until the premium is received and confirmed by the underwriter.
1.6 Disclaimer of Warranties
The Platform and its content are provided on an "as is" and "as available" basis. Myka makes no representations or warranties, express or implied, regarding the accuracy, completeness, reliability, or suitability of the information, products, or services available on the Platform. To the maximum extent permitted by law, Myka disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
1.7 Limitation of Liability
Myka shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the Platform, including but not limited to loss of data, loss of business, or loss of profit. Myka does not accept liability for the decisions, acts, or omissions of insurance underwriters, including the acceptance or rejection of claims or the determination of claim payout amounts, which are solely at the discretion of the relevant underwriter.
1.8 Third-Party Links
The Platform may contain links to third-party websites or services that are not owned or controlled by Myka. We are not responsible for the content, privacy practices, or availability of such third-party sites. Access to any linked website is at your own risk.
1.9 Modifications
Myka reserves the right to modify, suspend, or discontinue any aspect of the Platform at any time without prior notice. We may also revise these Terms of Use from time to time. Continued use of the Platform following any changes constitutes your acceptance of the revised Terms.
1.10 Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising in connection with these Terms shall be subject to the jurisdiction of the courts of Nigeria.