We, AFIA Insurance Brokerage Services LLC, conduct business under the names “InsuranceMarket.ae™,” “800 Alfred,” and “Alfred.” Our company is based in the United Arab Emirates, located at 2701-2704, 27th Floor, Control Tower, Motor City, Dubai, PO Box 26423.

AFIA Insurance Brokerage Services LLC conducts our business under the brand “InsuranceMarket.ae™” and is recognised by several prestigious bodies, underscoring our commitment to excellence and regulatory compliance in the insurance industry.

Our operations are certified by the UAE Central Bank (Registration No. 85), and we proudly hold membership with the Gulf Insurance Federation, Emirates Insurance Association, and the Insurance Business Group under the Dubai Chamber of Commerce and Industry. We are also registered with the Department of Economy & Tourism in Dubai (Trade Licence No. 238534) and part of the DIFC Insurance Association (Membership No. 10049). Additionally, we have been granted the Health Insurance Intermediary Permit (ID No. BRK-00003) from the Dubai Health Authority.

By offering our services through the website https://insurancemarket.ae and the “Insurance Wallet” feature within the myAlfred app, we adhere to the strict standards and regulations set forth by these authorities.

These Legal Terms constitute a legally binding agreement between you, whether personally or on behalf of an entity ('you'), and AFIA Insurance Brokerage Services LLC, concerning your access to and use of the Services. By accessing or using the Platform or Services, you agree to be bound by these Terms, including any additional terms, conditions, and policies that may be incorporated by reference or otherwise apply to specific parts of the Platform or Services you have read, understood, and agreed to be bound by all of these Legal Terms. If you do not agree with these Terms, please do not access or use the Platform or Services. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms and conditions or documents that may be posted on the Services from time to time are at this moment expressly incorporated herein by reference. In our sole discretion, we reserve the right to make changes or modifications to these Legal Terms at any time and for any reason without prior notice. We will alert you about any changes by updating the 'Last updated' date of these Legal Terms, and you waive any right to receive specific notice of each such change. You are responsible for periodically reviewing these Legal Terms to stay informed of updates periodically. You will be subject to, and will be deemed to have been made aware of and accepted, the changes in any revised Legal Terms by your continued use of the Services after the date such revised Legal Terms are posted.

The Services are intended for users who are at least 18 years old. Persons under 18 are not permitted to use or register for the Services.

Before we delve into the specific points regarding our products and services, we must acknowledge that our company is committed to providing our customers with a range of high-quality insurance products and services tailored to their needs. These Terms and Conditions outline the rights and responsibilities of the customer and the company, ensuring a transparent and mutually beneficial relationship. By using our products and services, customers agree to comply with these Terms and Conditions. Now, let's proceed with a detailed overview of the key aspects related to our products and services.

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their initiative and are solely responsible for compliance with local laws if and to the extent local laws are applicable.

1.1. The services the Company provides ('Services') include insurance products, related services, and any additional services that the Company may add in the future. The Services are available through various platforms, including but not limited to the Company's website, mobile applications, and partner websites.

1.2. Access to and use of the Services is not intended for distribution or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or subject the Company to any registration requirement within such jurisdiction or country. By accessing and using the Services, you represent and warrant that you are not located in, under the control of, or a national or resident of any such restricted jurisdiction. Access to certain services may be restricted based on jurisdiction, in compliance with international trade laws and UAE regulations.

1.3. Users who access the Services from other locations do so on their initiative and are solely responsible for compliance with local laws if and to the extent local laws are applicable. Users must ensure that they have the legal right to access the Services in their respective jurisdictions and are not prohibited by any applicable laws or regulations.

1.4. The Company reserves the right to limit, suspend, or terminate access for users who violate the Terms and Conditions or in cases where the Company reasonably believes that the user's access or use may violate any applicable law, regulation, or the rights of any third party. Such actions will be taken based on clear criteria, ensuring fairness and transparency.

1.5. The Company may, in its sole discretion, change, modify, or discontinue the Services or any portion thereof at any time without prior notice. Users are responsible for periodically reviewing these Terms and Conditions for any updates or changes that may affect their use of the Services. Continued use of the Services following any changes to these Terms and Conditions constitutes acceptance of those changes.

1.6. Our platform may integrate or provide links to third-party services, tools, or content. We do not control, endorse, or assume responsibility for any such third-party sites, information, materials, products, or services. If users access a third-party website or service from our platform, they do so at their own risk, and they understand that these Terms and Conditions and our Privacy Policy do not apply to their use of such sites.

Our trademarks include the InsuranceMarket.ae name, logo, Alfred, our mascot, and other graphics and slogans associated with our services. These are the exclusive property of AFIA Insurance Brokerage Services LLC. Without our prior written consent, these trademarks may not be used. Trademarks not owned by AFIA that appear on this site are the property of their respective owners.

2.1 Our intellectual property

The Intellectual Property (IP) rights, including but not limited to copyrights, trademarks, trade names, service marks, logos, domain names, and any other brand features, are the sole property of InsuranceMarket.ae or its licensors. These IP assets are protected under local and international intellectual property laws and may not be used for any purpose without the express written permission of InsuranceMarket.ae.

InsuranceMarket.ae’s platform, including all content, text, images, software, and code contained therein, is the property of InsuranceMarket.ae. Users may not modify, publish, transmit, participate in the transfer or sale of, reproduce (except as provided for in this section), create derivative works based on, distribute, perform, display, or in any way exploit any of the content, software, materials, or Services in whole or in part without prior written consent.

2.2 Your use of our Services

Subject to your compliance with these Legal Terms, including the 'PROHIBITED ACTIVITIES' section below, we grant you a non-exclusive, non-transferable, revocable licence to: You may access the services and view any portion of the content to which you have properly gained access solely for your personal, non-commercial use. Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission. If you wish to use the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to qualityassurance@insurancemarket.ae. Suppose we ever grant you permission to post, reproduce, or publicly display any part of our Services or Content. In that case, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible on posting, reproducing, or displaying our Content. We reserve all rights not expressly granted to you in and to the Services, Content, and Marks. Any breach of these Intellectual Groperty Rights will constitute a material breach of our Legal Terms, and your right to use our Services will terminate immediately.

2.3 Your submissions and contributions

When you submit, upload, or post content to InsuranceMarket.ae, you grant us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the user-generated content in connection with the provision of services, including without limitation for promoting and redistributing part or all of the service.

2.3.1 Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ('Submissions'), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgement or compensation to you.

2.3.2 Contributions: The Services may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality during which you may create, submit, post, display, transmit, publish, distribute, or broadcast content and materials to us or through the Services, including but not limited to text, writings, video, audio, photographs, music, graphics, comments, reviews, rating suggestions, personal information, or other material ('Contributions'). Any Submission that is publicly posted shall also be treated as a Contribution.

You understand that Contributions may be viewable by other users of the Services.

2.3.3 When you post Contributions, you grant us a licence (including use of your name, trademarks, and logos): By posting any Contributions, you grant us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and licence to: use, copy, reproduce, distribute, sell, resell, publish, broadcast, retitle, store, publicly perform, publicly display, reformat, translate, excerpt (in whole or in part), and exploit your Contributions (including, without limitation, your image, name, and voice) for any purpose, commercial, advertising, or otherwise, to prepare derivative works of, or incorporate into other works, your Contributions, and to sublicence the licences granted in this section. Our use and distribution may occur in any media formats and through any media channels.

This licence includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide.

2.3.4 You are responsible for what you post or upload: By sending us Submissions and/or posting Contributions through any part of the Services or making Contributions accessible through the Services by linking your account through the Services to any of your social networking accounts, you confirm that you have read and agree with our 'PROHIBITED ACTIVITIES' and will not post, send, publish, upload, or transmit through the Services any Submission nor post any Contribution that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading; to the extent permissible by applicable law, waive any and all moral rights to any such Submission and/or Contribution; warrant that any such Submission and/or Contributions are original to you or that you have the necessary rights and licences to submit such Submissions and/or Contributions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions and/or Contributions; and warrant and represent that your Submissions and/or Contributions do not constitute confidential information.

You are solely responsible for your Submissions and/or Contributions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party’s intellectual property rights, or (c) applicable law.

2.3.5 We may remove or edit your Content: Although we have no obligation to monitor any Contributions, we shall have the right to remove or edit any Contributions at any time without notice if in our reasonable opinion we consider such Contributions harmful or in breach of these Legal Terms. If we remove or edit any such Contributions, we may also suspend or disable your account and report you to the authorities.

2.4 Copyright infringement

You confirm that any user-generated content posted or contributed by you does not infringe on any third party's intellectual property rights and does not violate any applicable law or regulation. InsuranceMarket.ae reserves the right to remove any content that is alleged to be infringing on another's intellectual property rights or that violates applicable law.

2.5. This section does not transfer any intellectual property owned by InsuranceMarket.ae or third-parties, and all rights, titles, and interests in and to such property will remain (as between the parties) solely with InsuranceMarket.ae. InsuranceMarket.ae, the InsuranceMarket.ae logo, and all other trademarks, service marks, graphics, and logos used in connection with InsuranceMarket.ae or Services, are trademarks or registered trademarks of InsuranceMarket.ae’s licensors. Other trademarks, service marks, graphics, and logos used in connection with the Services may be the trademarks of other third parties.

2.6. Your use of the Services grants you no right or license to reproduce or otherwise use any InsuranceMarket.ae or third-party trademarks, and you agree not to use any confusingly similar marks or trade-dress, or any marks or trade-dress that are likely to cause confusion with the marks of InsuranceMarket.ae.

By using our services, you confirm that:
3.1. The information you provide during registration and throughout your use of our services is truthful, accurate, up-to-date, and complete
3.2. You will keep your registration information current and promptly update it as necessary.
3.3. You have the legal capacity to agree to these Terms and Conditions.
3.4. You are not a minor in your jurisdiction.
3.5. You will not access our services through any automated or non-human means, such as bots or scripts.
3.6. You will use our services only for lawful purposes and not for any illegal or unauthorized activities.
3.7. Your use of our services will comply with all applicable laws and regulations.
3.8. You are not a sanctioned individual or entity, and you are not listed on any applicable sanctions list maintained by any government or international organization, including but not limited to the United Nations Security Council sanctions lists, the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC) Specially Designated Nationals and Blocked Persons List (SDN List), the European Union's consolidated list of persons, groups, and entities subject to EU financial sanctions, the United Arab Emirates (UAE) Central Bank's sanctions lists, or any similar lists maintained by other governments or international bodies. You further represent and warrant that you are not directly or indirectly owned, controlled, or acting on behalf of any person or entity listed on any such sanctions list, and you are not engaging in any transaction or dealing with any such sanctioned person or entity in connection with your use of the Services. By using the Services, you agree to immediately notify the Company if your status with respect to any such sanctions list changes or if you become aware of any circumstances that may cause your representations and warranties under this Section 3.8 to no longer be accurate or complete. Additionally, you acknowledge and agree that your use of the Services shall be in compliance with all applicable UAE governing laws and regulations concerning sanctioned persons.
3.9. You are not involved in or associated with money laundering, terrorist financing, or other illicit activities, and you are not a Politically Exposed Person (P.E.P.).
By Definition- A P.E.P. is an individual who holds or has held a prominent public position or function, either domestically or internationally, such as a government official, senior executive of a state-owned corporation, senior political party official, senior military officer, or a close family member or associate of any such person. Other definitions may state- Politically Exposed Persons are individuals who hold public office and their immediate family members, close business associates, as well as senior executives of state owned enterprises. It is important to know whether you are doing business with different types of politically exposed persons (PEP), because they present a higher risk for potential involvement with money laundering, bribery and corruption.

Examples of P.E.P.s include, but are not limited to:

3.9.1. Heads of state or government;
3.9.2. Senior politicians and high-ranking government officials;
3.9.3. Senior executives of state-owned corporations or institutions;
3.9.4. Senior members of the judiciary or high-ranking military officers;
3.9.5. Senior officials of political parties;
3.9.6. Ambassadors, consuls, or high commissioners;
3.9.7. Members of the board of directors or supervisory boards of state-owned enterprises;
3.9.8. Close family members, such as spouses, children, parents, and siblings, of individuals who hold or have held a prominent public position or function;
3.9.9. Known close associates, including business partners or other individuals who have a close personal or professional relationship with an individual who holds or has held a prominent public position or function.
3.9.10. A Politically exposed person is continued to be considered a PEP for a period of one year from the day he/she leaves the public office position. By using the Services, you represent and warrant that you are not a P.E.P. and that you are not acting on behalf of, or for the benefit of, a P.E.P. If your status as a P.E.P. changes or if you become aware of any circumstances that may cause your representations and warranties under this Section 3.9 to no longer be accurate or complete, you agree to notify the Company immediately.
3.10. You will not impersonate any person or entity or falsely claim an affiliation with any person or entity, including but not limited to using another person's username, password, or other account information, or providing false or misleading information regarding your identity or background.
3.11. Nothing in these Terms and Conditions creates any partnership, joint venture, agency, franchise, sales representative, or employment relationship between the user and InsuranceMarket.ae or AFIA Insurance Brokerage Services LLC. Users have no authority to make or accept any offers or representations on our behalf.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).

4.1. When you register, you commit to providing true and current information as required by our registration process and to maintain the accuracy of this information. If your information is found to be inaccurate or outdated, we may have to suspend or close your account.

4.2. Protect your password as it is the key to your account. Sharing or exposing your password to others is strongly discouraged. Remember, you are responsible for all actions taken through your account.

4.3. Should you suspect any unauthorized use of your account or a security breach, please inform us without delay. Please note that we cannot be held responsible for losses resulting from your failure to safeguard your account.

4.4. We reserve the right to remove, reclaim, or change any username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable. You acknowledge and agree that we may also modify or delete any profile information or other content you provide as necessary to ensure the accuracy of your information or to comply with applicable laws or regulations.

4.5. By providing your full name, email address, and phone number during registration, form submission and any other fields on our website and/or Insurance Wallet through the myAlfred app, you agree and give consent to our Services, Company, and Service Providers to display and share data with one another. This data sharing is intended to enhance the user experience and facilitate the provision of seamless services across our platforms and affiliated entities. You acknowledge that the purpose of sharing this information is to optimize and personalize the services offered to you and ensure a smooth interaction between the Services, Company, and Service Providers.

4.5.1. We place paramount importance on your data privacy and security. In accordance with relevant data protection laws and regulations, we implement suitable technical and organizational measures to safeguard your personal information against unauthorized access, disclosure, alteration, or destruction. The data shared among our Services, Company, and Service Providers shall not be sold, shared, or transferred to any unrelated third party for personal gain or benefit. Our commitment to preserving your privacy is delineated in our Privacy Policy, which elucidates the manner in which we collect, process, and secure your personal information. By accepting these Terms and Conditions, you concurrently acknowledge and consent to the practices delineated in our Privacy Policy.

4.5.2. Users may register for an account on the myAlfred app by providing the required information, which may include their name, email address, phone number, and other relevant details. By registering, users give their explicit consent to receive quotes and other information related to their inquiries on insurance policies and services offered by InsuranceMarket.ae.

4.5.3. Users must ensure that the information provided during registration is accurate, complete, and up-to-date. Users are responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account.

4.5.4. The Company reserves the right to suspend or terminate any user account if the information provided is found to be inaccurate, incomplete, or otherwise in violation of these Terms and Conditions.

4.6. We reserve the right to use your registration and profile information for the purposes of providing you with the Services and for other business purposes, including marketing and promotional activities. You acknowledge and agree that we may share your information with third-party service providers as necessary to facilitate the provision of the Services.

4.7. We may also use your information to contact you about products, services, or promotions that we believe may be of interest to you. You may opt-out of receiving marketing communications from us at any time by following the instructions provided in the communication or by contacting us directly.

4.8. By registering for the Services, you acknowledge and agree that we may collect, use, and disclose your personal information in accordance with our Privacy Policy, which is incorporated into these Terms and Conditions by reference.

4.9. We reserve the right to suspend or terminate your account at any time, for any reason, in our sole discretion. If your account is suspended or terminated, you may lose access to any content, features, or services associated with your account, and we will not be liable for any loss or damage arising from such suspension or termination.

4.10. You acknowledge and agree that we may modify these Terms and Conditions at any time, in our sole discretion, by posting the modified terms on the website or through the Services. Your continued use of the Services after the posting of any modified terms will constitute your acceptance of the modified terms.

Please note that while we strive to provide accurate and up-to-date information on our diverse range of insurance products, the final terms, including the pricing, may be subject to adjustments based on the insurer's review of your risk profile. It's essential for customers to be aware that the initial price provided might change after a comprehensive risk assessment by the insurer.

5.1. Availability and Eligibility

a.All products and services offered by the Company are subject to availability and eligibility criteria, which must be met by the customer.

b. The Company reserves the right to discontinue any products or services at any time, for any reason, without any obligation to provide prior notice.

c. Eligibility for insurance products and other services is determined at the sole discretion of the Company, and the Company reserves the right to decline eligibility for any reason.

d. Eligibility criteria may vary for different products and services.

5.2. Pricing

a. Prices for all products and services are subject to change without prior notice.

b. The Company reserves the right to modify prices at any time and for any reason.

c. Prices displayed on the Company's website or other platforms are not guaranteed and may be subject to change.

d. Customers acknowledge and agree that their chosen product and/or service may be subject to additional charges upon underwriter review and/or service provider review, and they agree to pay any such additional charges as required.

e. Customers agree to pay all applicable taxes, including but not limited to a 5% Value Added Tax (VAT), as well as any other additional fees or service charges imposed by the insurer or service provider.

5.3. Non-Transferability

a. Certain products, including but not limited to the ones listed in the 'Non-Transferable Insurance Products', are not transferable from the named insured person to another.

b. The transfer of any products or services offered by the Company is prohibited without the prior written consent and/or confirmation of the Company.

List of Non-Transferable Products:

• Motor Insurance
• Life Insurance
• Health Insurance
• Travel Insurance
• Yacht Insurance
• Pet Insurance
• Business Insurance
• Home Insurance
• Home services
• Motor services
• Mortgage protection

You acknowledge and agree that the listed non-transferable products are not an exhaustive representation of all non-transferable products. There may be additional products that are non-transferable, as determined at the sole discretion of the insurer and/or service provider. If you submit a request to transfer a product not explicitly listed above as non-transferable, the Company reserves the right to decline such request at its sole discretion. By using our products and services, you agree to adhere to these terms and respect the Company's decisions regarding product transferability.

5.4. Disclaimer of Warranties

a. The Company makes no warranties, either express or implied, regarding any of the products or services offered.

b. The Company expressly disclaims any warranties of merchantability or fitness for a particular purpose.

c. The Company shall not be held liable for any damages arising out of the use or inability to use any of the products or services offered.

5.5. Governing Law and Jurisdiction

a. These Terms and Conditions and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the United Arab Emirates. Any disputes arising in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of the United Arab Emirates.

5.6. Amendments

a. The company reserves the right to amend the Terms and Conditions. Users are encouraged to periodically review the Terms and Conditions for any updates.

b. Any amendments to these Terms and Conditions shall become effective immediately upon posting on the Company's website or other platforms.

c. It is the customer's responsibility to periodically review these Terms and Conditions to stay informed about any changes. By continuing to use the Company's products or services, the customer accepts and agrees to be bound by the amended Terms and Conditions.

5.7. Quality of Products and Services

a. Our Company is committed to providing high-quality products and services to our customers. If you have any concerns or feedback regarding the quality of our products or services, we encourage you to contact us using the contact information provided below.

b. We value your feedback and will strive to address your concerns in a timely and efficient manner. However, please note that we explicitly do not offer compensation or refunds for dissatisfaction with our products or services under any given circumstance.

5.8. Feedback and Communication

a. We appreciate your feedback on our products and services, as it helps us continually improve our offerings. If you have any suggestions, comments, or concerns, please do not hesitate to reach out to us using the contact information provided below.

b. We will make every effort to address your feedback and communicate with you promptly and effectively to ensure that your concerns are acknowledged and, where possible, resolved.

5.9. Documentation and Verification Requirements

a. All insurance products offered by InsuranceMarket.ae are subject to the submission of required documents and proof of eligibility by the user before a policy can be issued. You are responsible for providing accurate, complete, and up-to-date documentation as requested by the Company.

b. In the event that the submitted documents are deemed insufficient or inadequate, the Company reserves the right to request additional supporting documents from you. You must promptly comply with such requests to ensure the timely issuance of your insurance policy.

c. You are required to ensure that all documents submitted to the Company are true, accurate, and not falsified in any manner. By submitting documentation, you confirm the authenticity and accuracy of the information provided therein.

d. If the Company discovers that you have provided false, inaccurate, or falsified documents, we reserve the right to terminate the agreement in its entirety, without any notice, and to deny any claims associated with the policy. In such scenarios, no refunds will be provided to the user for premiums paid or other expenses incurred.

e. You acknowledge that submitting false or falsified documentation may also result in legal consequences and potential liability for damages incurred by the Company or other parties due to the submission of inaccurate or misleading information.

f. Claims Declined Due to Misrepresentation:
You acknowledge and agree that any claims submitted under a policy may be declined or rejected by the insurance provider on the grounds of misrepresentation, omission, or falsification of information or documentation. In such cases, the Company shall not be held liable for any consequences arising from the declined or rejected claim.
You must provide accurate, complete, and truthful information at all times to ensure their claims are honored by the insurance provider. Failure to do so may result in the denial of claims and potential legal consequences.

g. Rights to Examine and Verify Documents:
By submitting documentation to the Company, users grant us complete rights to examine, verify, and authenticate the documents using official methods and any other means necessary to confirm the accuracy and authenticity of the information provided.
The Company may, at its discretion, consult with relevant authorities, institutions, or third-party service providers to verify the authenticity and accuracy of the submitted documents. Users consent to the sharing of their documents and information with such parties for the purpose of verification.
Should the Company find any discrepancies or inconsistencies in the submitted documentation during the verification process, we reserve the right to request additional supporting documents or clarification from the user, delay the issuance of the policy, or deny the application altogether.

5.10. Comprehensive Insurance Policies

The term 'Products' refers to a diverse range of insurance policies that we offer, which can include but is not limited to, Motor Insurance, Life Insurance, Health Insurance, Travel Insurance, Yacht Insurance, Pet Insurance, Business Insurance, Home Insurance, Home Services, Motor Services, and Mortgage Protection. The following conditions apply generally to all types of insurance policies offered:

A. Eligibility:

Users must meet specific eligibility criteria as dictated by the insurance provider and/or the regulatory body to purchase and benefit from any of our insurance policies. The eligibility requirements can include age limits, health conditions, professional status, property status, among others.

B. Insurance Proposal:

As an insurance brokerage, we facilitate the connection between users and various insurance providers by offering a multitude of insurance policy options. However, it's essential to understand that the final purchase of any insurance policy is subject to acceptance by the selected insurance provider. While we strive to provide an array of suitable options, we cannot assure that a user's application for a specific insurance policy will necessarily be accepted. The discretion to accept or reject an insurance application rests entirely with the insurance provider, based on their own criteria and evaluations.

C. Policy Terms:

Each insurance policy is governed by its own unique set of terms and conditions. As the purchaser, it's imperative that users carefully read, comprehend, and agree to these terms prior to committing to the policy. These terms set the foundation of the policy, outlining key elements such as the scope of coverage, specific exclusions, deductible amounts, limits of indemnity, and other important details that influence the benefits of the policy.

Furthermore, users must acknowledge that these policy terms are not static but may undergo revisions or updates. These changes are at the discretion of the insurance provider and can occur at any time due to various factors like changing market conditions, regulatory updates, or alterations in the provider's risk assessment strategies. Such modifications are beyond our control as an insurance broker. When updates do occur, the insurer typically provides notification, but it remains the user's responsibility to stay informed about any changes to their insurance policy's terms. It's therefore crucial for users to maintain regular contact with the insurer and review their policy terms periodically to ensure they continue to meet their insurance needs.

D. Duties of Disclosure:

In insurance transactions, utmost good faith is paramount, which includes the policyholder's obligation to accurately disclose all relevant material facts to the insurer. Material facts refer to any data that may impact the insurer's decision to underwrite the policy and, if so, under what conditions. Such facts can encompass personal health history, existing medical conditions, professional risks, condition of property or assets, and any other pertinent information requested or deemed relevant by the insurer.

For example, in the case of motor insurance, users need to accurately disclose details about driving history, any past traffic violations or accidents, usage and storage of the vehicle, vehicle modifications, and past insurance claims. With life insurance, information about health, lifestyle habits, family medical history, and high-risk hobbies are essential. For home insurance, material facts could include details about the property's construction, location, previous damages, security measures, and usage. In the context of business insurance, it is vital to share accurate information about business operations, employee count, revenue details, past claims, and any potential business-associated risks. Travel insurance requires accurate disclosure of travel duration and destination, purpose of travel, pre-existing medical conditions, and known or anticipated travel complications. In health insurance, it is critical for users to disclose any pre-existing medical conditions, ongoing treatments, or expected procedures. The status of pregnancy, given its significant impact on coverage terms and premium pricing, must also be disclosed.

Failure to disclose, misrepresentation, or any form of concealment of these material facts, whether deliberate or inadvertent, could result in serious consequences. Such an act could be interpreted as a violation of the principle of utmost good faith, potentially rendering the policy null and void from the outset, leading to the rejection of claims, or even resulting in policy termination. Furthermore, it's crucial to note that the initial premium rates quoted may be subject to alteration once the insurer has had the opportunity to assess the disclosed material facts, implying that there may be a divergence from the initially quoted premium. It's worth noting that the list of material facts mentioned earlier is not exhaustive or limited to and the insurer might require additional information based on the specific type of insurance policy under consideration.

Users are urged to provide complete and accurate information during the proposal stage, ensuring they receive accurate coverage and premium indications. Fully understanding and adhering to their duties of disclosure can help ensure that their insurance policies provide the expected coverage when needed, thereby preventing unpleasant surprises at the time of a claim. Our terms and conditions provide further details on these duties, and we strongly encourage users to review them carefully.

E. Claims:

Making a claim under an insurance policy is a process governed by the terms, conditions, and exclusions outlined in the respective policy document and wordings. Users are obliged to adhere to these stipulations in order to lodge a successful claim. This often includes the prompt reporting of incidents, supplying necessary supporting documentation, and providing full cooperation during the claim investigation process.

As an insurance broker, we facilitate the claim process by assisting our users in understanding the claim procedure, helping them compile necessary documents, and guiding them through the claim submission process. However, it is essential to understand that we do not have the authority to make decisions regarding claim acceptance, rejection, or the amount to be paid out. These decisions are the sole prerogative of the insurance provider who underwrites the policy.

Furthermore, it is critical for users to know that filing a falsified or fraudulent claim is a serious offense that can result in the claim being rejected, the policy being canceled, and potential legal action. Users are expected to provide accurate and honest information at all times during the claim process. We are unable to provide assistance in cases where claims are found to be fraudulent or submitted without the necessary proof or documentation.

In conclusion, while we strive to provide assistance and guidance during the claim process, it remains the user's responsibility to ensure that they comply with all the terms and conditions of their policy, and that they provide accurate and truthful information when making a claim.

F. Termination:

The right to terminate an insurance policy primarily rests with the insurance provider, often exercised under specific circumstances as outlined in the policy's terms and conditions. Situations that may warrant termination include fraudulent activities, intentional misrepresentation, or non-disclosure of material facts by the policyholder.

In such instances, the insurer may choose to cancel the policy, often without returning the premium. Furthermore, any claims made under a policy that is terminated due to such reasons may be refused by the insurer. The specifics of these consequences are detailed within the terms and conditions of each individual policy.

As a company, we assist users in understanding the requirements, terms, and conditions of their policies, but it's crucial to emphasize that the decision to terminate a policy lies solely in the hands of the insurance provider. We have no control or influence over this decision-making process, and while we can provide guidance, the responsibility and consequences of policy termination rest entirely with the policyholder and the insurer.

Therefore, we strongly advise all users to ensure they understand their policy terms, accurately disclose all material facts, and avoid any form of misrepresentation or fraudulent activity. Doing so will help prevent situations that could lead to policy termination.

We cannot provide support or assistance in cases where a policy has been terminated due to fraudulent activity, misrepresentation, or non-disclosure, nor can we be held liable or responsible for any consequences arising from such circumstances. It is the user's responsibility to adhere to the terms of their policy and the principles of utmost good faith in all their dealings with the insurer.

G. Renewals:

Renewal of an insurance policy is a critical process that's subject to the insurer's approval and is guided by the terms and conditions of the specific policy. During the renewal process, the insurer might reassess the risk factors and other relevant elements associated with the policy, which could lead to adjustments in the policy's terms or the premium. In certain cases, the insurer might decide not to renew the policy.

As your trusted insurance broker, we are here to facilitate the renewal process, helping you understand any changes that may be made and ensuring that the renewal process proceeds as smoothly as possible. However, we do not have the authority to decide or influence the terms of renewal, including the premium, any discounts offered, or whether the policy is renewed at all. These decisions rest solely with the insurance provider.

Insurance premiums are subject to various factors, including but not limited to, changes in the risk landscape, regulatory environment, claims history, and market dynamics. Therefore, a renewal does not guarantee a reduction in the premium compared to the previous year, as these external factors can influence the cost. Any discounts offered upon renewal are also subject to the insurer's discretion.

We endeavor to present you with the most valuable options tailored to your needs, but we do not have control over the pricing or specific terms offered by the insurer. Our role is to provide you with accurate information to help you make an informed decision that best suits your needs.

By choosing to renew a policy or engage in any transaction involving these products, you agree to comply with these terms, the specific terms and conditions of the respective insurance policy, and any relevant laws or regulations governing such products. Non-compliance with these terms could lead to penalties, denial of service, or legal action.

6.1. Accepted Forms of Payment are:

a. Visa (Debit and Credit)
b. Mastercard (Debit and Credit)
c. Bank Transfer
d. Cheque(s)
e. Cash

Accepted forms of payment include credit cards, debit cards, and other approved payment methods. All payment methods are compliant with UAE regulations. We employ robust security measures to ensure the safety and confidentiality of your payment information.

6.2. Payment Information

a. You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services.

b. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed.

6.3. Price adjustments based on Risk Profile

After your payment is processed, the final price of your insurance policy may be subject to adjustments. This is due to the insurer's subsequent review of your risk profile. Should there be any changes in the price based on this review, you will be promptly notified and any differences will be settled accordingly, either through additional payments or refunds, as applicable.

6.4. Pricing, VAT, and Additional Charges

a. All prices displayed on the Services are subject to Value Added Tax (VAT) and may be changed at any time without prior notice.

b. All payments shall be in United Arab Emirates Dirhams (AED).

c. You acknowledge and agree that additional charges may arise in connection with your use of the Services, and you agree to pay such additional charges to avail the Services accordingly.

6.5. International Payments and Acceptance of Charges

a. Payments made by using an International Credit Card / Debit card issued outside the UAE may be subject to additional charges such as foreign exchange fees, service fees, or other bank-related charges.

b. We are not responsible for any such charges.

c. You acknowledge and agree to accept and bear all additional charges that may be incurred as a result of using an International Credit Card / Debit card issued outside the UAE, including any subsequent service fees and charges from your bank.

d. You agree not to dispute any charges or fees related to your use of an International Credit Card / Debit card and will be fully responsible for all such charges and fees.

6.6. Authorization, Payment, and Additional Charges

a. By placing an order through the Services, you authorize us to charge your chosen payment provider for any amounts due, including the price of your purchase and any applicable shipping fees.

b. You agree to pay all charges at the prices including VAT, then in effect for your purchases.

c. If your order is subject to recurring charges, then you consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge, until such time as you cancel the applicable order.

d. You acknowledge and agree that additional charges may be incurred to fulfill your order, and you authorize us to charge your chosen payment provider for such additional charges as needed to complete the transaction.

6.7. Order Refusal, Cancellation, and Limitation

a. Order Refusal and Cancellation:
We reserve the right to refuse or cancel any order placed through the Services under certain circumstances. These circumstances may include, but are not limited to:

• Inaccuracies or errors in product or pricing information.
• Suspected fraudulent or unauthorized transactions.
• Orders that fail our internal risk assessment or security checks.
• Non-compliance with our terms and conditions.
• Inability to obtain authorization for payment.
• Orders that exceed the specified limit for individual purchases.
• Unavailability of the product or service due to unforeseen supply constraints.

b. Order Limitation:
We may, in our sole discretion, limit or cancel quantities purchased per person, per household, or per order. This is to ensure fair access to our products and services for all customers and to prevent stock depletion due to bulk purchases.

c. Order Consistency Checks:
These restrictions may include orders placed by or under the same customer account, the same payment method, and/or orders that use the same billing or shipping address. We conduct these checks to prevent fraudulent activities and ensure the security of transactions.

d. Prohibition of Resale:
We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers, or distributors. Our products and services are intended for end-user customers, and we aim to prevent unauthorized resale activities.

6.8. Payment Processing

a. In case of payment made by Cheques, orders will be processed after the Cheque is cleared in our Bank account.

b. In the case of Bank Transfers, orders will be processed once the payment has been received in our bank account.

c. We reserve the right to hold or cancel any order if we suspect fraudulent or unauthorized use of a payment method.

6.9. Payment Using Another Person's Card

a. If you choose to use another person's credit or debit card for making a purchase through the Services, you represent and warrant that you have the explicit permission and consent of the card owner to do so.

b. By using another person's card, you agree and acknowledge that the card owner has granted full authority to charge their card for the transaction, and any future disputes raised by the card owner will be null and void.

c. You further agree that the bank cannot hold the charge against us and must honor the charge(s) made using said card. By agreeing to these payment methods and terms, you accept that disputes on any grounds for the card being used will be settled in the company's favor, and all charges will be honored.

You agree to indemnify us against all claims, losses, liabilities, expenses and damages arising from any breach of these payment terms and conditions.

6.10. Payment Using Another Platform

a. Users may make purchases for insurance policies and other services offered by InsuranceMarket.ae through the myAlfred app under the Insurance Wallet. All transactions are subject to the applicable terms and conditions of InsuranceMarket.ae, as well as any additional terms presented during the purchase process.

b. Users are responsible for providing accurate payment information and ensuring sufficient funds are available for completing the transaction. By submitting payment details, users confirm their authorization for the Company to charge the specified amount.

c. Upon successful completion of a purchase on InsuranceMarket.ae, users may be invited to a premium membership with myAlfred, granting them access to exclusive deals and rewards on the myAlfred app.

Please review these refund policies specific to each type of Service prior to making any purchases. All sales are final and non-refundable unless otherwise stated below.

7.1. Insurance Policy

a. You confirm that the insurance policy you wish to purchase is non-refundable and can only be cancelled if you have already bought the same policy type elsewhere, before we are able to issue the policy.

b. Terms and conditions of the insurer will apply in addition to acceptance of these terms. The Insurer terms and conditions may supersede these terms as well.

c. Your price may change after the insurer reviews your risk profile after payment. This adjustment may affect the final refund amount, if applicable.

d. Please note that if you wish to cancel your insurance policy, you will need to rest entirely with the policyholder and the insurer. Therefore, we strongly advise all users to ensure they understand their policy terms, accurately disclose all material facts, and avoid any form of misrepresentation or fraudulent activity. Doing so will help prevent situations that could lead to policy termination. We cannot provide support or assistance in cases where a policy has been terminated due to fraudulent activity, misrepresentation, or non-disclosure, nor can we be held liable or responsible for any consequences arising from such circumstances. It is the user's responsibility to adhere to the terms of their policy and the principles of utmost good faith in all their dealings with the insurer.

e. The Insurers terms and conditions may supersede any refunds policy we may communicate to you as the product is subject to their terms and conditions in addition to acceptance of these terms.

7.2. Embedded Products

Embedded products are also known as Add-ons and these are products that are not subject to refund in any manner or type. These are products that are termed as one-time purchase and its benefits will apply whether the user agrees to use them or not. For certain situations where there is a buyer's remorse expressed or mentioned, we may be able to cancel and refund the client money back provided that the product is not utilized or used. Also, this refund time frame provided is strictly 48 hours from the time of purchase and an email confirmation will be required from the client to confirm that they wish to cancel and receive a full refund for the product. We will not entertain or be able to cancel and refund any add-on product once this 48-hour window has passed.

Note: Any adjustments to the price of these add-ons after the insurer reviews your risk profile may affect the refundability of these products.

a. You confirm that certain Embedded products you purchase through our services are subject to being linked to the main insurance policy purchase and/or may be independent of the main insurance policy.

b. If the product you've chosen to purchase is independent, then the same product is non-refundable, and we will fulfill the order without prejudice, unless you do not fulfil the eligibility criteria for the purchased product.

c. Terms and conditions of these products will apply in addition to acceptance of our terms.

7.3. Services from myAlfred

a. You confirm that certain services you purchase through our platform are independent of the main insurance policy.

b. These services are non-refundable, and we will fulfill the order without prejudice.

c. Terms and conditions of these services will apply in addition to acceptance of these terms.

7.4. Exceptions

a. If there is an error on our end, such as a technical glitch that results in overcharging or if there is an issue in the product/service, we will offer a refund.

b. You must notify us of any such issue within 5 days of the purchase.

c. All refunds, if applicable and confirmed by email about cancellation, will be processed within 14-21 working days from the date the refund was requested.

7.5. Processing Delays

a. You acknowledge and accept the fact that there could be delays in processing a refund from the insurer and/or service provider.

b. We will not be held responsible for any such delays caused by the insurer or service provider in processing the refund.

c. Please note that we will not be responsible for any delays caused by the insurer, service provider, or banks in processing refunds. While we will do our best to assist in resolving any issues that may arise, we cannot guarantee a specific timeframe for the processing of refunds. It is your responsibility to follow up with the relevant parties to ensure that your refund is processed as quickly as possible.

By accepting these terms and conditions, you fully understand and agree to our refund policy.

8.1. User Responsibilities:

a. Users are expected to use the Services responsibly and ethically.

b. You must provide accurate, current, and complete information during the registration process and maintain the accuracy of this information.

c. Users must comply with all local, national, and international laws applicable to their use of the Services.

d. You are responsible for securing your login credentials and must notify InsuranceMarket.ae immediately of any unauthorized use of your account.

8.2. Prohibited Activities:

• General Prohibitions: Engaging in illegal activities or fraudulent schemes such as identity theft, unauthorized access, and financial scams. Transmitting or storing unlawful material, including content that is threatening, libelous, defamatory, obscene, or that violates the privacy rights of any individual.
• Security Violations: Circumventing, disabling, or otherwise interfering with security-related features of the Services, or features that prevent or restrict the use or copying of any Content. Attempting to gain unauthorized access to the Services or their related systems or networks.
• Disruptive Actions: Utilizing the Services to disseminate malware, spam, or other malicious content. Interfering with or disrupting the integrity or performance of the Services or the data contained therein.
• Abusive Behavior: Harassing or causing inconvenience or anxiety to any other person. Use any information obtained from the Services to harass, abuse, or harm another person.
• Unauthorized Commercial Use: The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. Engage in unauthorized framing of or linking to the Services.
• Prohibited Technical Actions: Use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, except as may be the result of standard search engine or Internet browser usage.
• Intellectual Property Violations: Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ('gifs'), 1x1 pixels, web bugs, cookies, or other similar devices.

8.3. Enforcement and Consequences:

a. InsuranceMarket.ae reserves the right to take all necessary legal action and apply appropriate penalties for violations of this section.

b. We may, at our discretion, terminate or suspend your access to all or part of the Services without prior notice for any violation of this section.

c. Any violation of the above-mentioned terms and conditions may result in immediate termination or suspension of your rights to access and use the Services, and may also subject you to civil and/or criminal liability.

8.4. Reporting Misconduct:

If you believe that another user is violating these terms, please report this activity to InsuranceMarket.ae through the contact information provided on our platform.

By agreeing to these Terms and Conditions, you commit to upholding these responsibilities and avoiding the prohibited activities outlined above. We reserve the right to pursue any and all legal remedies available to us in order to enforce these Legal Terms and protect our rights and interests, including but not limited to seeking injunctive relief and damages.

9.1 The Services may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, 'Contributions'). Contributions may be viewable by other users of the Services and through third-party websites.

9.2 By creating or making available any Contributions, you represent and warrant that:

1. Your Contributions do not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.
2. You are the creator and owner of, or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize us, the Services, and other users of the Services to use your Contributions in any manner contemplated by the Services and these Legal Terms.
3. You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Services and these Legal Terms.
4. Your Contributions are not false, inaccurate, or misleading.
5. Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation.
6. Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable (as determined by us).
7. Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.
8. Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.
9. Your Contributions do not violate any applicable law, regulation, or rule.
10. Your Contributions do not violate the privacy or publicity rights of any third party.
11. Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.
12. Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.
13. Your Contributions do not otherwise violate, or link to material that violates, any provision of these Legal Terms, or any applicable law or regulation.

9.3 You acknowledge that any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.

9.4 Furthermore, you agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of whatever kind, including reasonable attorneys' fees, arising from or relating to your Contributions or your use of the Services in violation of these Legal Terms.

10.1 As a user of the Services, by posting Contributions to any part of the Services, you automatically grant us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and license to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such Contributions, and grant and authorize sublicenses of the foregoing.

10.2 The license will apply to any form, media, or technology now known or hereafter developed, and includes the use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. You waive all moral rights in your Contributions, and you warrant that moral rights have not otherwise been asserted in your Contributions.

10.3 You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.

10.4 We have the right, in our sole and absolute discretion, to (1) edit, redact, or otherwise change any Contributions; (2) re-categorize any Contributions to place them in more appropriate locations on the Services; and (3) pre-screen or delete any Contributions at any time and for any reason, without notice. We have no obligation to monitor your Contributions.

10.5 Any violation of these terms may result in legal action taken by us.

11.1 We may provide you with areas on the Services to leave reviews or ratings, subject to compliance with the following criteria:

1. You should have firsthand experience with the person/entity being reviewed;
2. Your reviews should not contain offensive profanity or abusive, racist, offensive, or hateful language;
3. Your reviews should not contain discriminatory references based on religion, race, gender, national origin, age, marital status, sexual orientation, or disability;
4. Your reviews should not contain references to illegal activity;
5. You should not be affiliated with competitors if posting negative reviews
6. You should not make any conclusions as to the legality of conduct;
7. You may not post any false or misleading statements; and
8. You may not organise a campaign encouraging others to post reviews, whether positive or negative.

11.2 We reserve the right to accept, reject, or remove reviews in our sole discretion. We have no obligation to screen reviews or to delete reviews, even if anyone considers reviews objectionable or inaccurate. Reviews are not endorsed by us and do not necessarily represent our opinions or the views of any of our affiliates or partners. We do not assume any liability for any review or for any claims, liabilities, or losses resulting from any review.

11.3 By posting a review, you hereby grant us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and licence to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute all content relating to the review (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such content, and grant and authorise sublicences of the foregoing.

11.4 This licence will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. You waive all moral rights in your contributions, and you warrant that moral rights have not otherwise been asserted in your contributions.

12.1. Use License

a. If you access the Services via Insurance Wallet that’s available in the myAlfred App, we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on wireless electronic devices owned or controlled by you.

b. Access and use of this App on such devices must strictly adhere to the terms and conditions of this mobile application license contained in these Legal Terms.

c. Subject to users' compliance with these Terms and Conditions, the Company grants users a non-exclusive, non-transferable, revocable license to access and use the myAlfred app on their personal devices.

d. Users are permitted to access their insurance policies and other related information in the Insurance Wallet feature within the app. The Insurance Wallet serves as a secure gateway for users to access their insurance information from InsuranceMarket.ae.

e. Users must not use the myAlfred app for any unlawful or unauthorized purposes, and they must not infringe upon the intellectual property rights or violate the privacy rights of any third party.

12.2. Restrictions

You shall not:

a. Decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the App, except as permitted by applicable law.

b. Make any modification, adaptation, improvement, enhancement, translation, or derivative work from the App.

c. Violate any applicable laws, rules, or regulations in connection with your access or use of the App.

d. Remove, alter, or obscure any proprietary notice (including any notice of copyright or trademark) posted by us or the licensors of the App.

e. Use the App for any revenue-generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended.

f. Make the App available over a network or other environment permitting access or use by multiple devices or users at the same time.

g. Use the App for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the App.

h. Use the App to send automated queries to any website or to send any unsolicited commercial email.

i. Use any proprietary information or any of our interfaces or our other intellectual property in the design, development, manufacture, licensing, or distribution of any applications, accessories, or devices for use with the App.

12.3. Intellectual Property Rights

a. All design elements, including but not limited to graphics, layout, colors, and brand names associated with the App are the exclusive property of the company and its partners, and are subject to copyright, trademark, and other intellectual property rights protection.

b. You shall not copy, reproduce, or distribute any elements of the App, including design, graphics, layout, colors, or brand names, without the express written permission of the company and its partners.

c. Any unauthorized use of the App's design elements or intellectual property may result in legal action, including but not limited to claims for damages, injunctions, and any other remedies available under applicable law.

Apple, Android and Huawei Devices

12.4. App Distributor Terms

The following terms apply when you use the App obtained from either the Apple App Store, Google Play, or Huawei AppGallery (each an 'App Distributor') to access the Services:
a. The license granted to you for our App is limited to a non-transferable license to use the application on a device that utilizes the Apple iOS, Android, or Huawei HarmonyOS operating systems, as applicable, and in accordance with the usage rules set forth in the applicable App Distributor's terms of service.

b. We are responsible for providing any maintenance and support services with respect to the App as specified in the terms and conditions of this mobile application license contained in these Legal Terms or as otherwise required under applicable law. You acknowledge that each App Distributor has no obligation whatsoever to furnish any maintenance and support services with respect to the App.

c. In the event of any failure of the App to conform to any applicable warranty, you may notify the applicable App Distributor, and the App Distributor, in accordance with its terms and policies, may refund the purchase price, if any, paid for the App. To the maximum extent permitted by applicable law, the App Distributor will have no other warranty obligation whatsoever with respect to the App.

d. You represent and warrant that (i) you are not located in a country that is subject to a U.S. government embargo or that has been designated by the U.S. government as a 'terrorist-supporting' country, and (ii) you are not listed on any U.S. government list of prohibited or restricted parties.

e. You must comply with applicable third-party terms of agreement when using the App, e.g., if you have a VoIP application, then you must not be in violation of their wireless data service agreement when using the App.

f. You acknowledge and agree that the App Distributors are third-party beneficiaries of the terms and conditions in this mobile application license contained in these Legal Terms, and that each App Distributor will have the right (and will be deemed to have accepted the right) to enforce the terms and conditions in this mobile application license contained in these Legal Terms against you as a third-party beneficiary thereof.

12.5. Compliance with App Distributor Policies

You agree to comply with all terms, policies, and guidelines established by the respective App Distributors, including but not limited to the Google Play Developer Distribution Agreement, Apple App Store Review Guidelines, and Huawei AppGallery Developer Service Agreement. Failure to comply with these policies may result in the removal of the App from the respective App Distributor platform or other consequences as determined by the App Distributor.

12.6. App Updates

You agree to keep the App updated at all times by promptly installing any updates, upgrades, or new versions made available by us or the respective App Distributor. You acknowledge that failure to maintain an updated version of the App may result in security vulnerabilities, loss of functionality, or incompatibility with your device or operating system.

12.7. Limitation of Liability for Losses Due to Failure to Update

We shall not be liable for any loss of data, personal information, or any damages incurred as a result of your failure to maintain an updated version of the App. By using the App, you accept sole responsibility for ensuring that you have installed the most recent updates, and you agree to indemnify and hold us harmless from any claims, losses, liabilities, expenses, or damages arising from your failure to update the App in accordance with the latest security norms and requirements.

12.8. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the App is provided 'as is' and 'as available,' and we disclaim all warranties, whether express, implied, statutory, or otherwise, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We make no representations or warranties regarding the App, including but not limited to its security, reliability, or availability. Your use of the App is at your own risk, and we shall not be responsible for any damages resulting from your use of or reliance on the App or any updates thereto.

13.1. Monitoring and Enforcement

We reserve the right, but not the obligation, to monitor the Services for violations of these Legal Terms and for compliance with applicable laws and regulations. We may, at our sole discretion, take appropriate legal action against any user who violates the law or these Legal Terms, including, without limitation, reporting such user to law enforcement authorities.

13.2. Content and Contribution Management

In our sole discretion and without limitation, we may refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof that, in our judgement, fails to comply with these Legal Terms or is otherwise objectionable. We may also, in our sole discretion and without limitation, notice, or liability, remove from the Services or otherwise disable any files or content that are excessive in size or are in any way burdensome to our systems.

13.3. Service Optimization

We reserve the right to manage the Services in a manner designed to protect our rights, property, and the rights and property of our users, as well as to facilitate the proper functioning of the Services. This may include, but is not limited to, implementing technical measures to prevent unauthorized access, use, or distribution of content, monitoring and analyzing user activity, and cooperating with law enforcement authorities and third parties in the investigation of potential violations of these Legal Terms or applicable laws.

13.4. Modifications and Interruptions

We may, in our sole discretion, modify, suspend, or discontinue the Services, or any part thereof, at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Services, or any loss or damage that may result therefrom.

13.5. Reservation of Rights

Our failure to exercise or enforce any right or provision of these Legal Terms shall not constitute a waiver of such right or provision. We reserve all rights not expressly granted in these Legal Terms, and nothing herein shall be construed as a limitation on our rights and remedies under applicable law.

14.1. We are steadfast in our commitment to protecting the privacy and security of our users' data. Your privacy is paramount, and we take comprehensive steps to safeguard the personal and financial information you entrust to us.

14.2. The collection, use, and sharing of personal data through our Services are detailed in our Privacy Policy. We adhere to robust data protection standards to ensure that your personal information is handled responsibly and in accordance with applicable data protection laws.

14.3. Our Privacy Policy, which can be accessed on our website, forms an integral part of these Terms and Conditions. By accepting these Terms and Conditions, you acknowledge and agree to the processing of your personal data as described in the Privacy Policy.

14.4. We employ industry-standard security measures to protect against unauthorized access to or unauthorized alteration, disclosure, or destruction of data. While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the Internet or method of electronic storage is 100% secure.

14.5. Should our data protection practices change, we will provide you with timely notice. Continued use of the Services after any changes to the Privacy Policy will constitute your acceptance of such changes.

We encourage you to review our Privacy Policy regularly to stay informed of our data protection practices.

15.1. Introduction to Data Sharing

InsuranceMarket.ae collaborates with selected partners to enhance service delivery and efficiency. This collaboration often requires limited and controlled sharing of personal data to facilitate specific transactions and services tailored to your needs.

15.2. Current and Future Collaborations

Currently, our primary partner is myAlfred LLC, which handles non-insurance related transactions and rewards. As we expand our services, we may collaborate with additional entities to enhance our offerings. Each partner is listed here along with a brief description of the collaboration scope.

15.3 Data Handling and Security

Our commitment to data security is paramount. We share your data with partners only to the extent necessary for service fulfillment. All data sharing is governed by strict security protocols to prevent unauthorized access or misuse.

15.4 List of Collaborative Entities:

• myAlfred LLC: Engages in handling non-insurance related transactions and rewards.

15.5 User Consent and Transparency

Your consent is crucial. By using our services, you agree to the controlled sharing of your data with listed entities. You may withdraw your consent at any time, however, this may affect service delivery.

15.6 Changes to Collaborative Entities

We will update this section to reflect any changes in our partnerships and will provide notice of significant changes. This ensures you are always informed about who we are sharing data with.

16.1. Respect for Intellectual Property Rights

We respect the intellectual property rights of others and are committed to complying with applicable copyright laws. We expect our users to do the same and to refrain from infringing upon the copyrights of others while using the Services.

16.2. Notification of Alleged Infringement

If you believe that any material available on or through the Services infringes upon any copyright you own or control, please promptly notify us by submitting a written notification ('Notification') to the contact information provided below. Your Notification should include the following information:

a. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

b. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single Notification, a representative list of such works at that site;

c. Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;

d. Information reasonably sufficient to permit us to contact you, such as an address, telephone number, and, if available, an email address;

e. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

f. A statement that the information in the Notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Upon receipt of a Notification, we will take appropriate action, which may include removing or disabling access to the allegedly infringing material. A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification.

16.3. Consequences of Material Misrepresentations

Please be advised that, pursuant to applicable law, you may be held liable for damages if you make material misrepresentations in a Notification. Therefore, if you are uncertain whether the material located on or linked to by the Services infringes your copyright, we recommend that you first seek advice from an attorney.

16.4. Repeat Infringers

It is our policy, in appropriate circumstances, to disable and/or terminate the accounts of users who repeatedly infringe or are repeatedly accused of infringing the copyrights or other intellectual property rights of others.

17.1. Term

These Legal Terms shall remain in full force and effect for the duration of your use of the Services, commencing upon your acceptance of these terms and conditions and continuing until terminated in accordance with the provisions herein.

17.2. Termination Rights

We reserve the right, at our sole discretion and without prior notice or liability, to deny access to and use of the Services, including blocking certain IP addresses, to any individual or entity for any reason or for no reason, including, but not limited to, the breach of any representation, warranty, or covenant contained in these Legal Terms, or any violation of applicable law or regulation. We may, at our sole discretion, terminate your use or participation in the Services, delete your account, and any content or information that you have posted, at any time, without warning.

17.3. Consequences of Termination

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a pseudonym, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including, but not limited to, pursuing civil, criminal, and injunctive remedies.

17.4. Survival of Terms

Upon termination of your use of the Services or the termination of these Legal Terms for any reason, all provisions relating to intellectual property, indemnification, disclaimers, limitations of liability, and dispute resolution shall survive and continue to remain in full force and effect.

17.5. Modification of Services

We reserve the right to modify, suspend, or discontinue the Services or any part thereof, with or without notice, at any time and for any reason. You agree that we shall not be liable to you or any third party for any such modification, suspension, or discontinuation of the Services or any part thereof.

18.1. Modifications to Services

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. While we endeavor to provide current and accurate information, we have no obligation to update any information on our Services. We also reserve the right to modify or discontinue all or part of the Services without notice at any time. By accepting these Legal Terms, you acknowledge and agree that we will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.

18.2. Service Availability and Interruptions

We strive to ensure that the Services are available at all times; however, we cannot guarantee their uninterrupted availability. We may experience hardware, software, or other problems, or need to perform maintenance related to the Services, which may result in interruptions, delays, or errors. By accepting these Legal Terms, you acknowledge and agree that we reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you.

18.3. Acceptance of Modifications and Interruptions

You agree that we shall have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. By accepting these Legal Terms, you understand and acknowledge that nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith. The company reserves the right to modify or discontinue services. Significant changes or interruptions will be communicated to users in advance to ensure a seamless user experience. You accept and agree to any modifications and interruptions to the Services as a condition of your continued use of the Services, and you acknowledge that your acceptance of these Legal Terms constitutes your agreement to be bound by any such changes, modifications, or interruptions.

19.1. Governing Law

This Agreement and any action related thereto will be governed by the laws of the United Arab Emirates without regard to its choice or conflicts of law principles. Further, you and InsuranceMarket.ae agree to the jurisdiction of the courts located in Dubai, United Arab Emirates, to resolve any dispute, claim, or controversy that relates to or arises in connection with this Agreement or the Services provided by InsuranceMarket.ae, and where permitted by law, other claims that you may have against InsuranceMarket.ae and all it’s affiliates in connection with the Services.

19.2. Jurisdiction

If you are accessing our Services from a location outside the United Arab Emirates, you are responsible for compliance with all local laws and you agree that any litigation to which they may be nonetheless subject will be, subject to the requirements of any applicable law, within the courts and jurisdiction of Dubai, United Arab Emirates. You acknowledge and agree that the application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded from these Terms and Conditions. Any complaints or concerns regarding the Services should first be addressed to our Customer Service team in an effort to resolve the issue in an expedient and non-confrontational manner.

19.3. Compliance with Local Laws

You are responsible for ensuring that your use of the Services complies with all applicable laws and regulations in your jurisdiction. If your use of the Services is found to be in violation of any local laws or regulations, you agree to be held accountable for your actions and may be subject to legal consequences under the laws of the governing country.

19.4. Unruly Actions and Consequences

By accepting these Legal Terms, you acknowledge and agree that any unruly actions or violations of these Legal Terms or applicable laws and regulations may result in legal action against you under the laws of the UAE or the governing country, as applicable. You agree to be subject to such legal actions and to bear any consequences that may arise from your unruly actions or violations of these Legal Terms or applicable laws and regulations.

20.1. Informal Negotiations

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a 'Dispute' and collectively, the 'Disputes') brought by either you or us (individually, a 'Party' and collectively, the 'Parties'), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.

20.2. Binding Arbitration

Any dispute arising out of or in connection with these Legal Terms, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by arbitration in accordance with the Arbitration Rules of the Dubai International Arbitration Centre (DIAC) in force at the time the notice of arbitration is submitted. The arbitration proceedings shall be governed by the DIAC Rules, which, as a result of referring to it, are considered as part of this clause. The number of arbitrators shall be three (3), appointed in accordance with the DIAC Rules. The seat, or legal place, of arbitration shall be Dubai, United Arab Emirates. The language of the proceedings shall be English. The governing law of these Legal Terms shall be the substantive law of the United Arab Emirates.

By agreeing to these Legal Terms, the Parties consent to resolve any disputes arising out of or in connection with these Legal Terms through binding arbitration in Dubai, United Arab Emirates, under the applicable arbitration laws and subject to the jurisdiction of the United Arab Emirates.

20.3. Restrictions

The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

20.4. Exceptions to Informal Negotiations and Arbitration

The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable, and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.

20.5. Disputes on Charges Using Another Person's Card

Any dispute raised concerning charges made using another person's card will be null and void, as the user has provided explicit consent and confirmed that they have complete permission from the cardholder to charge on their behalf, as stated in Section 6: Purchases and Payment. By accepting these Legal Terms, the user agrees that any such disputes will be ruled in our favor and acknowledges their responsibility for obtaining the necessary permissions from the cardholder.

20.6. Disputes on Refunds for Products and Services

20.6.1. Refund Requests: In the event of a dispute regarding refunds for products or services, the user must submit a written request for a refund, providing a detailed explanation of the reasons for the request, within a specified time frame after the purchase or receipt of services, as outlined in our Refund Policy. The user acknowledges and agrees that failing to submit a refund request within the specified time frame may result in the forfeiture of their right to a refund.

20.6.2. Evaluation and Decision: Upon receiving a refund request, we will evaluate the user's claim in accordance with our Refund Policy and applicable laws. We reserve the right to request additional information or documentation from the user to support their refund claim. We will make a decision regarding the refund request based on the merits of the claim, and our decision shall be final and binding.

20.6.3. Refund Processing: If we determine that the user is entitled to a refund, we will process the refund in accordance with our Refund Policy and applicable laws. The user acknowledges and agrees that the processing time for refunds may vary depending on the payment method used and the financial institutions involved.

20.6.4. Dispute Resolution for Refund Disputes: If the user is not satisfied with our decision regarding their refund request, they may initiate the dispute resolution process as outlined in Sections 19.1 (Informal Negotiations) and 19.2 (Binding Arbitration). The Parties agree that any arbitration relating to refund disputes shall be subject to the same restrictions and exceptions as stated in Sections 19.3 (Restrictions) and 19.4 (Exceptions to Informal Negotiations and Arbitration).

The user acknowledges and agrees that by accepting these Legal Terms, they will adhere to the procedures and guidelines outlined in this section for resolving disputes related to refunds for products and services.

The Services may contain information that includes typographical errors, inaccuracies, or omissions, encompassing, but not limited to, descriptions, pricing, availability, and other relevant details. We expressly reserve the right, at our sole discretion, to correct any errors, inaccuracies, or omissions, and to modify or update the information on the Services at any given time, without any obligation to provide prior notice to users or any third party.

By accepting these Legal Terms, users acknowledge and agree that we shall not be held liable for any loss, damage, or inconvenience resulting from any errors, inaccuracies, or omissions present on the Services. Furthermore, users accept that we may, at our discretion, make corrections or updates to the information on the Services without any obligation to provide notification or assume liability for any consequences arising from such corrections or updates.

By using the Services, you acknowledge and agree to the following disclaimers:

22.1. AS-IS AND AS-AVAILABLE BASIS: The Services are provided on an 'as-is' and 'as-available' basis, without any warranties, express or implied.

22.2. SOLE RISK: Your use of the Services is at your sole risk, and we disclaim all warranties, express or implied, in connection with the Services and your use thereof, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

22.3. ACCURACY AND COMPLETENESS: We make no warranties or representations about the accuracy or completeness of the Services' content or the content of any websites or mobile applications linked to the Services.

22.4. NO LIABILITY: We assume no liability or responsibility for any:

1. Errors, mistakes, or inaccuracies of content and materials;
2. Personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the Services;
3. Unauthorized access to or use of our secure servers and/or any personal information and/or financial information stored therein;
4. Interruption or cessation of transmission to or from the Services;
5. Bugs, viruses, Trojan horses, or the like which may be transmitted to or through the Services by any third party; and
6. Errors or omissions in any content and materials, or for any loss or damage of any kind incurred as a result of the use of any content posted, transmitted, or otherwise made available via the Services.

22.5. NO WARRANTY OR RESPONSIBILITY: We do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the Services, any hyperlinked website, or any website or mobile application featured in any banner or other advertising. We will not be a party to or in any way be responsible for monitoring any transaction between you and any third-party providers of products or services.

22.6. EXERCISE CAUTION: As with the purchase of a product or service through any medium or in any environment, you should use your best judgment and exercise caution where appropriate.

23.1. To the maximum extent permitted by law, InsuranceMarket.ae, its officers, directors, employees, agents, licensors, affiliates, and successors in title shall not be liable for any indirect, incidental, special, exemplary, or consequential damages, including loss of profits, loss of data, personal injury, or property damage related to, in connection with, or otherwise resulting from any use of the services, even if InsuranceMarket.ae has been advised of the possibility of such damages.

23.2. InsuranceMarket.ae shall not be liable for any damages, liability, or losses arising out of: (i) your use of or reliance on the services or your inability to access or use the services; or (ii) any transaction or relationship between you and any third party, even if InsuranceMarket.ae has been advised of the possibility of such damages.

23.3. InsuranceMarket.ae shall not be liable for delay or failure in performance resulting from causes beyond InsuranceMarket.ae's reasonable control, including natural disasters, government actions, laws or regulations, terrorism, labor shortages or disputes, systemic electrical, telecommunications, or other utility failures, earthquakes, storms, or other acts of nature.

23.4. In no event shall InsuranceMarket.ae's total liability to you in connection with the services for all damages, losses, and causes of action exceed the amount paid by you to InsuranceMarket.ae, if any, for accessing or participating in any activity related to the services.

23.5. The limitations and disclaimer in this section do not purport to limit liability or alter your rights as a consumer that cannot be excluded under the law in the jurisdiction where you reside.

By using the Services, you acknowledge and agree that the limitations of liability set forth in this section are reasonable and fair under the circumstances, and that these limitations are an essential basis of the bargain between you and us. If any part of this limitation of liability is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect and be construed so as to give effect to the intent of the parties as reflected in this section.

You agree to defend, indemnify, and hold harmless our company, its subsidiaries, affiliates, and all of our respective officers, directors, agents, partners, employees, contractors, and licensors from and against any and all loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: (1) your Contributions;
(2) your use of the Services;
(3) your breach of these Legal Terms;
(4) any breach of your representations and warranties set forth in these Legal Terms;
(5) your violation of the rights of a third party, including but not limited to intellectual property rights, privacy rights, or other proprietary rights;
(6) any overt harmful act toward any other user of the Services with whom you connected via the Services; or
(7) your negligence, willful misconduct, or violation of any applicable law, regulation, or legal obligation.

Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it. You shall not, in any event, settle any claim or matter subject to indemnification without our prior written consent, which shall not be unreasonably withheld or delayed.

Users agree to defend, indemnify, and hold harmless InsuranceMarket.ae, AFIA Insurance Brokerage Services LLC, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to user violation of these Terms and Conditions or user use of the platform, including, but not limited to, user submissions, any use of the platform's content, services, and products other than as expressly authorized in these Terms and Conditions.

This indemnification obligation will survive the termination or expiration of these Legal Terms and your use of the Services.

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, monitoring user interactions, and enhancing the overall user experience, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services.

By providing your full name, email address, and phone number during registration on the app or our website, you agree and give consent to our Services, Company, and Service Providers to collect, store, process, display, and share data with one another. This data sharing is intended to enhance the user experience and facilitate the provision of seamless services across our platforms and affiliated entities.

The myAlfred app and InsuranceMarket.ae are operated as independent entities, and neither will store the data of the other party. The app is designed to primarily provide access to myAlfred rewards, while also allowing users to access their insurance information through the Insurance Wallet.

The Company ensures that appropriate security measures are in place to protect user data and maintain the confidentiality of information shared between myAlfred and InsuranceMarket.ae. This secure exchange of data enables users to enjoy a seamless experience across both platforms.

Any sharing of data between myAlfred and InsuranceMarket.ae will be done in accordance with applicable privacy policies and data protection regulations, ensuring the highest standards of privacy and security for users.

You acknowledge that the purpose of sharing this information is to optimize and personalize the services offered to you, ensure a smooth interaction between the Services, Company, and Service Providers, and enable us to provide you with relevant offers, promotions, and communications.

You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data. Additionally, our handling of your personal information is governed by our Privacy Policy, which outlines the measures we take to protect your data and your rights regarding the use, disclosure, and deletion of your information. While we employ stringent measures to protect user data, in the unlikely event of data loss or corruption due to unforeseen circumstances beyond our control, the company's liability will be limited as per UAE regulations.

User data may be shared with trusted third-party partners solely for the purpose of optimizing our services. All third-party partners are bound by strict data protection agreements to ensure the confidentiality and security of user data.

Information Verification and Communication Policy

25.1 Information Verification:

All communications through our customer interaction channels (including, but not limited to, online chat, phone calls, and messaging platforms) are verified for accuracy by our assisting staff prior to finalizing any insurance purchase or application.
Customers can verify terms and details directly with one of our insurance advisors, who can provide accurate and updated information regarding policy terms, coverage, and pricing.

All policy figures, quotations, and prices are subject to change based on the insurance company's discretion and final approval.

25.2 Communication Channel Disclaimer:

AFIA Insurance Brokerage Services LLC (operating as InsuranceMarket.ae™) maintains various communication channels for customer convenience. However, we cannot guarantee that all information provided through these channels is entirely accurate or up-to-date at all times.

We disclaim any liability for errors or discrepancies in the information conveyed through these channels.

25.3 Liability and Responsibilities:

While we endeavor to provide accurate and timely information, customers are encouraged to verify policy terms and details through our insurance advisors before making any final decisions.
AFIA Insurance Brokerage Services LLC will not be held liable for any discrepancies or errors in the information provided through our communication channels.

25.4 Data Protection and Security:

All data exchanged through our communication channels is processed in accordance with our Privacy Policy and industry standards to ensure security and confidentiality.
Customers' personal and financial information is protected and will only be shared to facilitate the effective provision of insurance services.

25.5 Changes and Modifications:

We reserve the right to update, modify, or change this Information Verification and Communication Policy at any time without prior notice.
Clients are advised to periodically review these terms for updates and changes that may affect their interaction with our services.

This User Data section will survive the termination or expiration of these Legal Terms and your use of the Services.

Utilizing the Services, sending us emails, and completing online forms constitute electronic communications. By engaging in these activities, you consent to receive electronic communications from us. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email, through the Services, or other electronic means, satisfy any legal requirement that such communication be in writing.

YOU HEREBY EXPRESSLY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AS WELL AS TO THE ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. This includes, but is not limited to, any documentation related to purchases, service agreements, and any other legally binding interactions facilitated by the Services.

You acknowledge and accept that electronic communications, transactions, and signatures are legally binding and hold the same value as their non-electronic counterparts. You also understand that these electronic records and communications may be admissible as evidence in legal proceedings.

By using the Services, you hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature, delivery, or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means. This waiver extends to any legal obligations or formalities that may be associated with the use of non-electronic records or communications.

If you choose to place a 'Do Not Disturb' (DND) request or unsubscribe from certain communications, we will make reasonable efforts to honor your request and block most communications you have chosen to unsubscribe from. However, please note that by placing an explicit DND request that also applies to important communication related to the core products and services we provide, you acknowledge and accept the risk of potential delays or disruptions in receiving crucial information.

In such cases, we shall not be held responsible or liable for any damages, losses, or inconveniences you may incur as a result of these communication limitations. We reserve the right to continue sending essential communications related to your account, transactions, and other vital aspects of our Services, as required by applicable laws or for maintaining the functionality and security of our Services. It is your responsibility to ensure that you have access to and are aware of all necessary communications regarding our products and services.

This Electronic Communications, Transactions, and Signatures section will survive the termination or expiration of these Legal Terms and your use of the Services.

27.1 General Terms:

InsuranceMarket.ae may from time to time offer promotions, vouchers, or other incentives ('Promotional Offers') to users. These Promotional Offers are governed by these Terms and Conditions and any additional terms specifically provided with each offer.
Each Promotional Offer, including vouchers, may have distinct terms that are specific to the promotion or transaction. These terms will apply to that specific Promotional Offer unless otherwise superseded by the general Terms and Conditions herein.

27.2 Priority of Terms:

In cases where the specific terms of a Promotional Offer differ from these general Terms and Conditions, the specific terms of the Promotional Offer will take precedence, unless these general Terms and Conditions explicitly state otherwise. This allows for the general Terms and Conditions to override or supersede the specific promotional terms if necessary.

27.3 Use and Restrictions:

Promotional Offers are intended for one-time use only and may be subject to restrictions such as expiry dates or specific conditions of use, as detailed in the terms accompanying each offer.
Misuse of any Promotional Offer, including but not limited to unauthorized sharing, reproduction, or distribution, is prohibited and may result in the revocation of the offer and/or suspension or termination of your account.
Users may not combine Promotional Offers with other promotions or offers unless expressly allowed by InsuranceMarket.ae.

27.4 Partner-Specific Terms:

Some Promotional Offers may involve third-party partners, and additional terms may apply to such offers as specified by our partners. These partner-specific terms are binding for the respective prizes or vouchers and may supersede the general promotional terms provided by InsuranceMarket.ae
InsuranceMarket.ae is exempt from liability for any issues arising from the enforcement of partner-specific terms, including but not limited to prize availability, prize conditions, and the fulfillment of obligations outlined in the partner-specific terms.

27.5 Liability and Indemnification:

InsuranceMarket.ae is not liable for losses or damages resulting from the termination or modification of any Promotional Offer or from the suspension or termination of any user's account in connection with the misuse of Promotional Offers.
Users agree to indemnify and hold harmless InsuranceMarket.ae from any claims, damages, expenses, and liabilities arising from or related to the misuse of Promotional Offers or non-compliance with specific terms and conditions.

27.6 Redemption and Expiry:

Promotional Offers must be redeemed within the validity period specified on the voucher or in the promotional material. Failure to use the voucher within this time frame will result in its expiration.
The terms and conditions for redemption, including any restrictions or usage guidelines, will be clearly stated with each Promotional Offer.

These Legal Terms, together with any policies or operating rules posted by us on the Services or in respect to the Services, represent the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not constitute a waiver of such right or provision. These Legal Terms shall be enforced to the fullest extent permissible by law.

We reserve the right to assign any or all of our rights and obligations under these Legal Terms to others at any time, without prior notice to you. We shall not be responsible or liable for any loss, damage, delay, or failure to act resulting from any cause beyond our reasonable control.

In the event that any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, such provision or part of the provision shall be deemed severable from these Legal Terms and shall not affect the validity and enforceability of the remaining provisions.

No joint venture, partnership, employment, or agency relationship is created between you and us as a result of these Legal Terms or your use of the Services. You acknowledge that these Legal Terms shall not be interpreted against us solely because we drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the absence of signatures by the parties hereto to execute these Legal Terms.

By accepting these Legal Terms, you agree to be bound by all applicable laws and regulations, and you further acknowledge that you are responsible for compliance with any and all applicable laws concerning your use of the Services.

Amendments and Updates

28.1. InsuranceMarket.ae reserves the right to amend or update these Terms and Conditions at any time to reflect changes in our services, how we handle our business, or for other reasons as necessary. We strive to provide at least 30 days' notice before any new terms take effect.

28.2. We will notify you of any significant changes through the usual channels of communication, such as by posting a prominent notice on our website, through the Services, or by sending you an email.

28.3. Your continued use of our Services after any amendments or updates take effect will constitute your acceptance of such changes. If you do not agree to the new terms, you should discontinue your use of the Services.

28.4. We encourage you to review these Terms and Conditions periodically to ensure that you are always aware of our current terms.

Any feedback, comments, ideas, improvements, or suggestions provided by users to InsuranceMarket.ae or AFIA Insurance Brokerage Services LLC regarding the platform or services shall remain the sole and exclusive property of AFIA Insurance Brokerage Services LLC and may be used by us in any medium and for any purpose worldwide without obtaining user specific consent.

InsuranceMarket.ae™ is a leading provider of personal and business insurance.

Committed to exceptional service, for feedback or issues, contact:

InsuranceMarket.ae™
AFIA Insurance Brokerage Services LLC
27th floor, Control tower, Motor city,
Dubai, United Arab Emirates.
PO BOX 26423
Contact number: 800-ALFRED (800-253-733)
Email: quality.assurance@insurancemarket.ae

UAE Central Bank Registration number 85
Registered member of the Emirates Insurance Association
Department of Economy & Tourism in Dubai Trade License number 238534
Holder of Health Insurance Intermediary Permit ID Number BRK-00003 from Dubai Health Authority
Registered member of the Insurance Business Group under the Dubai Chamber of Commerce and Industry

In conclusion, we have designed these Legal Terms and Conditions with your best interests in mind, ensuring that our relationship is transparent, fair, and mutually beneficial. By accepting these terms, you are joining a community committed to providing a seamless and enjoyable experience while using our Services. We appreciate your trust in us and are dedicated to continuously improving and expanding our offerings to meet your needs. We encourage you to embrace these Terms and Conditions with confidence, as they pave the way for a rewarding and satisfying experience with our Services.

Thank you for choosing InsuranceMarket.ae, where we strive to provide high-quality insurance solutions tailored to your needs, and we look forward to a successful relationship.