Terms & Conditions
Terms & Conditions
Terms & Conditions
Welcome to ALQALAA INSURANCE SERVICES (“Company”, “we”, “our”, or “us”). By accessing or using this website (alqalaainsurance.ae), you agree to be bound by these Terms & Conditions. If you do not agree, please discontinue using the website immediately.
1. Acceptance of Terms
By accessing, browsing, or using this website, you confirm that you have read, understood, and agreed to comply with these Terms & Conditions as well as our Privacy Policy. If you do not accept these terms, you must not use this website.
2. About Alqalaa Insurance Services
We provide insurance-related services including consultation, policy comparison, and assistance with insurance products offered by licensed insurance providers in the UAE. We are an insurance service provider and not an insurance company. All issued policies are underwritten by respective insurance companies.
3. Use of the Website
You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others or restrict or inhibit anyone else’s use of the website. You must not:
- engage in any unauthorized access or data breaches,
- use the website for fraudulent, harmful, or illegal activities,
- attempt to disrupt website functionality,
- upload malicious code, viruses, bots, or harmful scripts.
We reserve the right to restrict or terminate access to users who violate these terms.
4. Insurance Quotes & Information
All insurance quotes, prices, policy details, and information provided on this website:
- are based on the information you submit,
- are subject to verification by the insurance provider,
- may vary depending on final underwriting decisions,
- do not constitute a binding contract unless a policy is issued.
We do not guarantee approval, pricing, or issuance of any insurance product.
5. Accuracy of Information
We aim to provide accurate, updated, and reliable information. However:
- we do not guarantee that all content on the website is always correct, complete, or up to date,
- product descriptions, pricing, and availability may change without notice,
- errors, inaccuracies, or delays may occur due to external factors.
You agree that you are responsible for verifying details directly with our team or the insurance provider before making decisions.
6. Third-Party Insurance Providers
Our website may feature insurance products from various third-party insurance companies. You acknowledge that:
- terms, conditions, and approvals are governed by the respective insurer,
- we are not responsible for the actions, policies, or decisions of third-party providers,
- any disputes regarding policy coverage, claims, or underwriting must be handled directly with the insurer.
7. Privacy & Data Protection
Your privacy is important to us. The usage of this website and any personal data provided is governed by our Privacy Policy, which forms an essential part of these Terms & Conditions.
By using our website, you consent to the collection and processing of your information as described in our Privacy Policy.
If you do not accept the Privacy Policy, you must stop using our website immediately.
8. Marketing & Communications
By submitting your information, you agree that Alqalaa Insurance Services may:
- contact you via email, SMS, WhatsApp, or phone,
- send promotional offers, service updates, reminders, and product recommendations.
You may unsubscribe from promotional communications at any time.
9. Links to External Websites
Our website may contain links to external websites. We do not:
- control these third-party sites,
- endorse their content,
- take responsibility for their practices or policies.
You access such links at your own risk.
10. Intellectual Property
All content on this website—including text, graphics, logos, images, icons, layout, design, and software—is the property of Alqalaa Insurance Services or its licensors.
You are prohibited from:
- copying or reproducing website content,
- distributing or modifying materials,
- using any trademarks without written permission.
11. Limitation of Liability
To the fullest extent permitted by UAE law, Alqalaa Insurance Services:
- is not liable for any direct, indirect, incidental, or consequential damages,
- does not guarantee continuous, error-free, or secure website access,
- is not responsible for technical issues, data loss, or service interruptions.
Your use of the website is solely at your own risk.
12. Indemnification
You agree to indemnify and hold harmless Alqalaa Insurance Services against any claims, damages, losses, liabilities, or expenses arising from:
- misuse of the website,
- violation of these Terms,
- infringement of third-party rights.
13. Refunds & Cancellations
Refunds and cancellations for insurance policies are subject to the rules and guidelines of the insurance provider that issued the policy.
Administrative or service fees charged by Alqalaa Insurance Services may not be refundable.
14. Website Availability
We reserve the right to:
- modify, suspend, or discontinue website functionality,
- restrict access for maintenance, upgrades, or security purposes.
We are not liable for any unavailability or downtime.
15. Governing Law & Jurisdiction
These Terms & Conditions are governed by the laws of the United Arab Emirates.
Any disputes will be resolved under the exclusive jurisdiction of the courts of Dubai, UAE.
16. Changes to Terms & Conditions
We may update or modify these Terms at any time without prior notice. Updated terms will be posted on this page and become effective immediately.
Users are encouraged to review this section regularly.
17. Contact Information
For questions, inquiries, or support, you may contact us at:
ALQALAA INSURANCE SERVICES
Email: [email protected]
Website: alqalaainsurance.ae
