Terms and Conditions

Terms and Condition

ATTENTION: This legal notice applies to the entire contents of the Website under the domain name http://insure4me.ae (Website) and to any correspondence by e-mail between us and you. Please read these terms carefully before using the Website. Using the Website indicates that you accept these terms regardless of whether or not you choose to register with us. If you do not accept these terms, do not use the Website. This notice is issued by TMT SOCIAL MEDIA MARKETING LLC.

On this Website, the Company provides users with access to information primarily about types of insurance, components of insurance, including details about insurance products and services regarding general Insurance, life Insurance products and health insurance products (the “Service”). You are responsible for obtaining access to the Website, and that access may involve third-party fees (such as Internet service provider or airtime charges). In addition, you must provide and are responsible for all equipment necessary to access the Website. By making use of this site, and furnishing your personal / contact details, you hereby agree that you are interested in availing and purchasing the Service(s) that you have selected. You hereby agree that the Company may contact you either electronically or through phone, to understand your interest in the selected products and Service(s) (like renewals, reminders etc.) and to fulfill your demand. You also agree that the Company reserves the right to make your details available to its affiliates and partners and you may be contacted by the affiliates and partners for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from the Company and its affiliates through email or sms.

1 INTRODUCTION

  1. 1.1  You may access most areas of the Website without registering your details with us. Certain areas of the Website are only open to you if you register.
  2. 1.2  By accessing any part of the Website, you shall be deemed to have accepted this legal notice in full. If you do not accept this legal notice in full, you must leave the Website immediately.
  3. 1.3  The Company may revise this legal notice at any time by updating this posting. You should check the Website from time to time to review the then current legal notice, because it is binding on you. Certain provisions of this legal notice may be superseded by expressly designated legal notices or terms located on particular pages at the Website.

2 LICENCE

2.1 You are permitted to print and download extracts from the Website for your own use on the following basis:

(a) no documents or related graphics on the Website are modified in any way;

(b) no graphics on the Website are used separately from the corresponding text; and

(c) the Company’s copyright and trade mark notices and this permission notice appear in all copies.

  1. 2.2  Unless otherwise stated, the copyright and other intellectual property rights in all material on the Website (including without limitation photographs and graphical images) are owned by the Company or its licensors. For the purposes of this legal notice, any use of extracts from the Website other than in accordance with for any purpose is prohibited. If you breach any of the terms in this legal notice, your permission to use the Website automatically terminates and you must immediately destroy any downloaded or printed extracts from the Websites.
  2. 2.3  By using the Website you agree not to:
    1. (a)  use this Website or its contents for any commercial purpose;
    2. (b)  make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand;
    3. (c)  access, monitor or copy any content or information of this Website using any robot, spider, scraper orother automated means or any manual process for any purpose without our express written

      permission;

    4. (d)  violate the restrictions in any robot exclusion headers on this Website or bypass or circumvent othermeasures employed to prevent or limit access to this Website;
    5. (e)  take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionatelylarge load on our infrastructure;
    6. (f)  deep-link to any portion of this Website (including, without limitation, the purchase path for anyservice) for any purpose without our express written permission; or
    7. (g)  “frame”, “mirror” or otherwise incorporate any part of this Site into any other website without ourprior written authorization
  3. 2.4  Any rights not expressly granted in these terms are reserved.

3 SERVICE ACCESS

  1. 3.1  While the Company endeavours to ensure that the Website is normally available 24 hours a day, the Company shall not be liable if for any reason the Website is unavailable at any time or for any period.
  2. 3.2  Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond the Company’s control.

4 VISITOR MATERIAL AND CONDUCT

4.1 In consideration of your use of the Website, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of UAE or other applicable jurisdiction and will only use the Website for legitimate purposes for you or for another person for whom you are legally authorized to act.

  1. 4.2  You also agree to provide true, accurate, current and complete information about yourself as prompted by the Website. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or the Company has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Company has the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).
  2. 4.3  If you use the Website, you are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password. Because of this, we strongly recommend that you exit from your account at the end of each session. You agree to notify Company immediately of any unauthorized use of your account or any other breach of security. Company reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion. Notwithstanding the above, we retain the right at our sole discretion to deny access to anyone to the Website and the Services we offer, at any time and for any reason, including, but not limited to, for violation of the Terms and Conditions or Privacy Policy.
  3. 4.4  You may not misuse the Website (including, without limitation, by hacking).
  4. 4.5  The Company shall fully co-operate with any law enforcement authorities or court order requesting or directing the Company to disclose the identity or locate anyone posting any material in breach of or .

5 LINKS TO AND FROM OTHER WEBSITES

  1. 5.1  Links to third party websites on the Website are provided solely for your convenience. If you use these links, you leave the Website. The Company has not reviewed all of these third party websites and does not control and is not responsible for these websites or their content or availability. The Company therefore does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the third party websites linked to the Website, you do so entirely at your own risk.
  2. 5.2  The Company expressly reserves the right to revoke the right granted in for breach of these terms and to take any action it deems appropriate.
  3. 5.3  You shall fully indemnify the Company for any loss or damage suffered by the Company or any of its group companies for breach of these Terms and Conditions.

6 REGISTRATION

  1. 6.1  Each registration is for a single user only. The Company does not permit you to share your user name and password with any other person nor with multiple users on a network.
  2. 6.2  Responsibility for the security of any passwords issued rests with you.

7 DISCLAIMER

  1. 7.1  While the Company endeavours to ensure that the information on the Website is correct, the Company does not warrant the accuracy and completeness of the material on the Website. The Company may make changes to the material on the Website, or to the products and prices described in it, at any time without notice. The material on the Website may be out of date, and the Company makes no commitment to update such material.
  2. 7.2  The Company may declare offers, promotions or incentives through the Website or through any other electronic or print platform, but you must confirm the validity of the same on the Website at the time of your enquiry.
  3. 7.3  The material on the Website is provided “as is”, without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, the Company provides you with the Website on the basis that the Company excludes disclaims all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement, which, but for this legal notice, might have effect in relation to the Website.

8 LIABILITY

  1. 8.1  The Website has been provided by the Company for informational purposes only. The content of this Website is not intended to constitute and should not be construed as investment and/or financial advice or a personal recommendation to buy and/or to sell any investment and/or financial products and should not be relied upon in evaluating the merits of entering into any of the financial and/or investment products. The information contained in this Website is public and was obtained from printed material, websites and other sources made available by insurers, reinsurers and other financial institutions.
  2. 8.2  The Company, any other party (whether or not involved in creating, producing, maintaining or delivering the Website), and any of the Company’s group companies and the officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with the Website in any way or in connection with the use, inability to use or the results of use of the Website, any website linked to the Website or the material on such website, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Website or your downloading of any material from the Website or any website linked to the Website .
  3. 8.3  If your use of material on the Website results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.

8.4 This Website will NOT deal with or provide any services or products to jurisdictions or persons subject to national or international sanctions programs, including without limitation jurisdictions or persons prohibited by the United States’ Office of Foreign Assets Control (OFAC).

9 GOVERNING LAW AND JURISDICTION

This legal notice shall be governed by and construed in accordance with the laws of United Arab Emirates. Disputes arising in connection with this legal notice shall be subject to the exclusive jurisdiction of the United Arab Emirates Courts.