TERMS AND CONDITIONS

PLEASE NOTE THAT THESE ARE IMPORTANT TERMS AND CONDITIONS AND MUST BE READ CAREFULLY.

These Terms and Conditions govern the use of Aqeed.com and any affiliated domains and websites, mobile application (the "App") hosted on Aqeed.com (collectively, the "Sites"), and purchase of insurance products and/or services from insurance providers through Gulf Resources Insurance Management Services Co. LLC (“Broker”), which operates and maintains Aqeed.com, (which, together, are referred to as the "Services"),

In these Terms and Conditions, "you" and "your" means the customer (whether individual or corporate). "We", "us" and "ours" means Aqeed.com and the Broker, including their successors and assigns.

CONDITIONS OF USE

You should take time to review and read these Terms and Conditions. We serve as an online platform to enable you purchasing an insurance product or service from an insurance provider. By using the Sites, you agree to these Terms and Conditions. You are also responsible for all transactions made or purportedly made by any person in your name or on your behalf, with or without any authority, knowledge or consent, and may not claim against us in respect of such transactions.

We, may at any time, without notice to you and without assigning any reason, and without liability for any losses,  costs, expenses or damages  incurred or suffered by you or any third party disallow any purchase or allow any purchase subject to such conditions as we see fit.

We reserve the right, at any time and without notice, to revise these Terms and Conditions. You will be bound by any such revisions and as such, you are advised to check the Sites from time to time and review the current Terms and Conditions. Additional terms and conditions may apply to certain products and services offered on the Sites. These will be drawn to your attention when you browse, apply for and purchase any such product or service and will supersede any conflicting term in these terms and conditions.

The purchase of any Services available through the Sites will be subject to these Terms and Conditions in addition to the terms and conditions of the relevant certificate/policy as provided by the insurance provider. You are solely responsible for deciding on whether any of our Services are suitable for your purposes. Please read carefully the relevant terms and conditions of the certificate/policy, which is available on our quotation page, prior to making any purchase from the Sites. Should you need any further clarification/information before buying any insurance product or service, please contact us.

The information and descriptions of the insurance products on Aqeed.com may not constitute a complete description of all their features and terms and conditions. It is important that you read all the Insurer’s Terms and Conditions available on the quotation page prior your purchase.

We do not provide insurance advice or recommend or endorse the insurance products that are displayed on Aqeed.com, as suitable for you. The choice is for you alone to make based on the factual information displayed on Aqeed.com and in the Insurers’ Terms and Conditions.

We accept credit card and debit card payments online using Visa and MasterCard in AED and USD. Once the payment is made, a confirmation notice will be sent to our customers via email within 24 hours of receipt of payment. Customers can cancel their order within 24 hours of the time of purchase prior to policy issuance; refunds will be made back to the payment solution used initially by the customer. Please allow for up to 45 days for the refund transfer to be completed.

United Arab of Emirates is our country of domicile and the governing law is UAE law.

OFFERS, ACCEPTANCE, VALIDATIONS, & ISSUANCE

Nothing on this website shall constitute or be deemed to constitute an offer by us or by any third party to sell you any product or insurance policy or to enter into any contract with you in respect of such product or policy. By submitting your details you are requesting from our Broker to obtain on your behalf an offer to obtain the relevant insurance product from the relevant participating insurer on the Insurer’s Terms and Conditions that may be accepted or rejected by you. The issuance of the final policy will only be concluded once the participating insurer has accepted your offer. You will receive confirmation when your offer has been accepted.

You may be required, as a condition for the purchase of an insurance policy, to produce and upload certain personal documents. Once uploaded and verified and payment cleared your policy will be accepted or declined. Once the insurance company issues the final policy, you will receive an electronic copy of the final policy to the email you provided. It is of the utmost importance that all the information provided by you to Aqeed.com is true and accurate. We do not accept any responsibility if you fail to provide full and accurate information to Aqeed.com.

A reference in this section to a Customer successfully purchasing cover refers to the Customer having provided all legal documents in the required form and his payment being released via the payment gateway.

The multiple booking may result in multiple postings to the cardholder’s monthly statement.

CHANGES TO WEBSITE

We may change, at any time, the format and content of the Sites (or any Services offered via the Sites). We may suspend the operation of the Sites (or suspend provision of any Services offered via the Site) for support or maintenance work, in order to update the content, or for any other regulatory reason. We reserve the right to terminate access to Site (and to any Services offered via the Sites) at any time and without notice. If we change the website in any way, any Services purchased by you will be unaffected unless we inform you expressly to the contrary.

RESTRICTIONS ON USE OF MATERIALS

The ownership and/or copyright in the information, content, material and data displayed on this portal belongs to us or our licensors. You may download the materials displayed on Aqeed.com website for personal use only and provided that you do not remove any copyright and other proprietary rights contained on the materials. You are not allowed to modify, transmit, distribute, reuse, repost publish or use the content of Aqeed.com website for public or personal or commercial purposes, including the text, images, logos, audio, videos, without our prior written consent.

INTELLECTUAL PROPERTY RIGHTS

All patents, trademarks, service marks, rights in design, trade names, trade secrets, copyrights and topography rights, database rights, rights in trade names, know-how, secret formulae and processes, in each case whether registered or not (Intellectual Property Rights) located on the Sites are our property, or their respective licensors. Nothing contained on the Site shall be construed as granting, by implication or otherwise, any license or right to use any Intellectual Property Rights, without our prior written consent or the third party that may own such Intellectual Property Rights.

You hereby acknowledge and agree that any use of Intellectual Property Rights as displayed on the Sites, except as provided herein is strictly forbidden. Any unauthorized use of Intellectual Property Rights displayed on the Sites may violate copyrights laws, trademarks laws and any other laws applicable in this respect.

DISCLAIMER AND LIMITATION OF LIABILITY

The Sites and all information, materials and descriptions contained on the Sites are provided on “as is” and “as available” basis only for general information purposes and used by you at your own risk. The Sites are not intended to provide complete descriptions of all terms, exclusions, conditions applicable to each and every Service offered through the Sites. We and the Broker make no warranty nor representation whatsoever that the information and materials contained on the Site are suitable for your needs neither are complete, reliable or free from errors or inaccuracies. You are to rely solely on the insurance provider’s terms and conditions in respect of any policy because it is those terms and conditions that will apply to your insurance coverage.

We and the Broker act as an intermediary between you and the insurance provider offering the Services through the Sites.

IN NO EVENT SHALL WE MAKE ANY RECOMMENDATION WITH RESPECT TO THE SUITABILITY OF ANY SERVICES, AND ANY DECISION MADE BY YOU TO PURCHASE ANY PARTICULAR SERVICES SHALL BE YOUR SOLE DECISION AND RESPONSIBILITY.

We are not held liable for any losses, costs, expenses or damages incurred or suffered by you or by any third party arising from or in connection with your purchase or purported purchase of any Services caused by:

  • our compliance with any instructions given or purported to be given by you relating to the purchase of the Services, notwithstanding that the integrity of the information comprised in such instruction may have been compromised or impaired during transmission, provided that such compromise or impairment would not have been apparent to a reasonable person receiving such instruction;
  • your inability to complete or effect any purchase due to system maintenance or breakdown/non-availability of any network; or
  • any failure by us to perform any obligation or observe any term of these Terms and Conditions if such failure arises from a failure of, or any unauthorized and/or unlawful access to, any machine, data processing system or transmission link or any act of force majeure such as acts of God, warlike hostilities or war, civil commotions, riots, blockades, embargoes, sabotage, strikes, lock-outs, fire, flood, shortage of material or labour, delay in deliveries from sub-contractors, or any event generally outside our control.

We shall not be responsible in any way for any direct, indirect, special or consequential damages arising in any way from your purchase to any Service via the Sites.

Any claim arising out of any purchase made through the Sites shall be made directly against the insurance provider without any liability whatsoever on us. You further agree that neither us, nor the Broker nor any of ours or its directors, officers, employees, service providers or agents shall be liable for any loss or damage, whether direct, indirect, consequential or otherwise arising from the purchase of any Services through the Sites.

You shall indemnify us and the Broker, ours and its directors, officers, employees, affiliates or agents against any claim of any nature whatsoever and howsoever arising from any damages or loss which might be instituted against us or the Broker, ours or its directors, officers, employees, affiliates or agents arising from or connected with or pursuant to the purchase of any Services.

By accepting these terms and conditions, you agree to appoint Gulf Resources Insurance Management Services to act as your exclusive insurance broker of record and to represent you in matters pertaining to your insurance portfolio. This appointment shall remain in full force and effect until notification in writing to the contrary is received by you.

CANCELLATION OF PURCHASE 

All purchases made through this platform shall be legally binding. 

Purchases may be cancelled by the Purchaser only in specific circumstances, as set out in the Terms and Conditions pertaining to each individual Service.

Free cancellation within 24 hours is available prior to policy issuance. Refunds will be done only through the Original Mode of Payment.

PAYMENTS

All payments in relation to any Services purchased through the Site must be paid in full immediately via the Site. Unless otherwise provided for, all payments are required to be made by using a credit card accepted by us at the time of purchase of the applicable insurance Service(s). Payments will be made in AED and USD only.

You shall not be entitled to set-off or withhold payment of any amounts due for any reason whatsoever.

Any purchase of the Services made by you through the Sites constitutes irrevocable authority for the Broker to obtain authorization and/or payment on your credit card or charge card.

If any amount is not paid on the due date, the Broker may without prejudice to any rights it may have, charge interest on the overdue amount at a rate of 5% per annum, at the sole discretion of the Broker.

It shall be your responsibility to retain a copy of transaction records as well as a copy of the Terms and Conditions.

DELIVERY OF POLICY

Upon receipt of all payments due, all documents relating to insurance products or services as purchased by you, including the policy in relation to the Services itself, shall be delivered to you exclusively by e-mail and/or in hard-format.

JURISDICTION AND GOVERNING LAWS

These Terms and Conditions are governed by and are to be interpreted in accordance with the laws of the United Arab Emirates and in the event of any dispute arising in relation to these Terms and Conditions, the courts of the United Arab Emirates shall have exclusive jurisdiction over any such dispute.

YOUR ACCOUNT

If you use the Sites, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your account from any devices, and you agree to accept responsibility for all activities that occur under your account or password. We shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, your failure to comply with this condition.

OFFICE FOREIGN ASSETS CONTROL (OFAC) SANCTIONED COUNTRIES

We will not trade with or provide any services to individuals and companies owned or controlled by, or acting for or on behalf of, OFAC targeted countries AND individuals, groups, and entities, such as terrorists and narcotics traffickers designated under the OFAC programs that are not country specific.

REPRESENTATIONS BY YOU

By visiting the Site, you represent, warrant and covenant that (a) you are at least 18 years old; (b) that all materials of any kind submitted by you to us through the Sites or for inclusion on the Sites will not plagiarize, violate or infringe upon the rights of any third-party including trade secret, copyright, trademark, trade dress, privacy, patent, or other personal or proprietary rights. The customers using the website who are under the age of 18 shall not register as a user of the Sites and shall not transact on or use the Sites.

ADVERTISING

The Sites may contain advertisements and/or sponsorships. The advertisers and/or sponsors that provide these advertisements and sponsorships are solely responsible for insuring that the materials submitted for inclusion on the Sites are accurate and comply with all applicable laws. We shall not be responsible for the acts or omissions of any advertiser or sponsor.

SEVERABILITY

If any provision of these Terms and Conditions is held to be invalid, void or unenforceable, the remaining provisions shall nevertheless continue in full force and effect.

Headings & section titles in these Terms and Conditions are for convenience and do not define, limit, or extend any provision of this Agreement.

The effective date of these Terms and Conditions is 15/12/2017

CONNECT WITH US

Please feel free to contact us if you have any questions regarding our Terms and Conditions.

Gulf Resources Insurance Management Services Co. LLC

Office 3902, Aspin Commercial Tower

Sheikh Zayed Road, Dubai, UAE

P.O. Box 14639

Tel. no. +971 4 2684222

Fax. no. +971 4 2668619

support@aqeed.com

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