Crossing the Line: When WhatsApp Messages Create Binding Contracts

Increasingly, key agreements in insurance and financial services are formed through everyday tools like WhatsApp, SMS, and email. But when does an informal message cross the line into a legally binding contract?

The recent case of Jaevee Homes Ltd v Fincham provides a striking reminder: digital communications, even those that seem casual, can amount to enforceable agreements with serious financial consequences. For professionals in insurance and financial services, where trust, compliance, and clarity are paramount, this raises urgent questions about how we communicate with clients, brokers, underwriters, and third parties.

This webinar will unpack the key legal principles of contract formation in the digital age, explore the implications of Jaevee Homes v Fincham, and equip you with strategies to safeguard your communications. You’ll walk away with a clear framework for managing digital correspondence without stumbling into unintended obligations.

Learning outcomes

By the end of the session, participants will be able to:

1. identify the legal elements of contract formation and how they apply to WhatsApp, email, and other digital communication channels.

2. understand the implications of the Jaevee Homes Ltd v Fincham case for insurance and financial services professionals.

3. implement a strategy to manage digital communications effectively, ensuring clarity and reducing the risk of unintentionally creating binding contracts

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