ATTENTION: This legal notice applies to the entire contents of the Website under the domain name www.policybazaar.ae (Website) and to any correspondence by e-mail between us and you. Please read these terms carefully before using the Website. Using the Website indicates that you accept these terms regardless of whether or not you choose to register with us. If you do not agree to the terms and conditions, please stop using this Website immediately. This notice is issued by PB Fintech FZ LLC (the "Company").
On this Website, the Company provides users with access to information primarily about types of insurance, components of insurance, including details about insurance products and services regarding general Insurance, life Insurance products and health insurance products (the "Service"). You are responsible for obtaining access to the Website, and that access may involve third-party fees (such as Internet service provider or airtime charges). In addition, you must provide and are responsible for all equipment necessary to access the Website. By making use of this site, and furnishing your personal / contact details, you hereby agree that you are interested in availing and purchasing the Service(s) that you have selected. You hereby agree that the Company may contact you either electronically or through phone, to understand your interest in the selected products and Service(s) (like renewals, reminders etc.) and to fulfill your demand. You also agree that the Company reserves the right to make your details available to its affiliates and partners and you may be contacted by the affiliates and partners for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from the Company and its affiliates through email or sms.
Minors under the age of 18 shall are prohibited to register as a User of this website and are not allowed to transact or use the website.
If you make a payment for our products or services on our website, the details you are asked to submit will be provided directly to our payment provider via a secured connection.
The cardholder must retain a copy of transaction records and Merchant policies and rules. We accept payments online using Visa and MasterCard credit/debit card in AED.
policybazaar.ae will NOT deal or provide any services or products to any of OFAC (Office of Foreign Assets Control) sanctions countries in accordance with the law of UAE.
1.1 You may access most areas of the Website without registering your details with us. Certain areas of the Website are only open to you if you register.
1.2 By accessing any part of the Website, you shall be deemed to have accepted this legal notice in full. If you do not accept this legal notice in full, you must leave the Website immediately.
1.3 The Company may revise this legal notice at any time by updating this posting. You should check the Website from time to time to review the then current legal notice, because it is binding on you. Certain provisions of this legal notice may be superseded by expressly designated legal notices or terms located on particular pages at the Website.
2.1 You are permitted to print and download extracts from the Website for your own use on the following basis:
(a) no documents or related graphics on the Website are modified in any way;
(b) no graphics on the Website are used separately from the corresponding text; and
(c) the Company’s copyright and trade mark notices and this permission notice appear in all copies.
2.2 Unless otherwise stated, the copyright and other intellectual property rights in all material on the Website (including without limitation photographs and graphical images) are owned by the Company or its licensors. For the purposes of this legal notice, any use of extracts from the Website other than in accordance with for any purpose is prohibited. If you breach any of the terms in this legal notice, your permission to use the Website automatically terminates and you must immediately destroy any downloaded or printed extracts from the Websites.
2.3 By using the Website you agree not to:
(a) use this Website or its contents for any commercial purpose;
(b) make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand;
(c) access, monitor or copy any content or information of this Website using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission;
(d) violate the restrictions in any robot exclusion headers on this Website or bypass or circumvent other measures employed to prevent or limit access to this Website;
(e) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure;
(f) deep-link to any portion of this Website (including, without limitation, the purchase path for any service) for any purpose without our express written permission;
(g) "frame", "mirror" or otherwise incorporate any part of this Site into any other website without our prior written authorization
2.4 Any rights not expressly granted in these terms are reserved.
3. SERVICE ACCESS
3.1 While the Company endeavours to ensure that the Website is normally available 24 hours a day, the Company shall not be liable if for any reason the Website is unavailable at any time or for any period.
3.2 Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond the Company’s control.
4. VISITOR MATERIAL AND CONDUCT
4.1 In consideration of your use of the Website, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of UAE or other applicable jurisdiction and will only use the Website for legitimate purposes for you or for another person for whom you are legally authorized to act.
4.2 You also agree to provide true, accurate, current and complete information about yourself as prompted by the Website. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or the Company has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Company has the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).
4.3 You may not misuse the Website (including, without limitation, by hacking).
4.4 The Company shall fully co-operate with any law enforcement authorities or court order requesting or directing the Company to disclose the identity or locate anyone posting any material in breach of clause 4.1, clause 4.2 or clause 4.4.
5. LINKS TO AND FROM OTHER WEBSITES
5.1 links to third party websites on the Website are provided solely for your convenience. If you use these links, you leave the Website. The Company has not reviewed all of these third party websites and does not control and is not responsible for these websites or their content or availability. The Company therefore does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the third party websites linked to the Website, you do so entirely at your own risk.
5.2 The Company expressly reserves the right to revoke the right granted in for breach of these terms and to take any action it deems appropriate.
5.3 You shall fully indemnify the Company for any loss or damage suffered by the Company or any of its group companies for breach of these Terms and Conditions.
6.1 The content on the Website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content of this Website. While the Company makes reasonable efforts to update the information on the Website, the Company make no representations, warranties or guarantees, whether express or implied, that the content of this Website is accurate, complete or up to date. The Company may make changes to the material on the Website, or to the products and prices described in it, at any time without notice. The material on the Website may be out of date, and the Company makes no commitment to update such material.
6.2 The material on the Website is provided “as is”, without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, the Company provides you with the Website on the basis that the Company excludes disclaims all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement, which, but for this legal notice, might have effect in relation to the Website.
7.1 The Website has been provided by the Company for informational purposes only. The content of this Website is not intended to constitute and should not be construed as investment and/or financial advice or a personal recommendation to buy and/or to sell any investment and/or financial products and should not be relied upon in evaluating the merits of entering into any of the financial and/or investment products. The information contained in this Website is pubpc and was obtained from printed material, websites and other sources made available by insurers, reinsurers and other financial institutions.
7.2 The Company, any other party (whether or not involved in creating, producing, maintaining or delivering the Website), and any of the Company’s group companies and the officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with the Website in any way or in connection with the use, inability to use or the results of use of the Website, any website linked to the Website or the material on such website, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Website or your downloading of any material from the Website or any website linked to the Website .
7.3 If your use of material on the Website results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.
7.4 This Website will NOT deal with or provide any services or products to jurisdictions or persons subject to national or international sanctions programs, including without limitation jurisdictions or persons prohibited by the United States’ Office of Foreign Assets Control (OFAC).
8. GOVERNING LAW AND JURISDICTION
This legal notice shall be governed by and construed in accordance with the laws of United Arab Emirates. Disputes arising in connection with this legal notice shall be subject to the exclusive jurisdiction of the United Arab Emirates Courts.
9. REFUND POLICY
Refunds will be done only through the Original Mode of Payment. In the event that transaction error has occurred while making the payment, a refund in most cases will be issued to the same credit card you used for the original purchase.
10. Policy Cancellation
10.1 In case of policy cancellation, the discounted amount would not be refunded.
10.2 If a customer has made any claim on the policy, then he/she would not be eligible for any refund.
All content featured on the Website and in any newsletters, postings or mailings are subject to this disclaimer. Any listings/information are not meant as a recommendation of a particular insurer/provider; listings are displayed randomly based on publically available information.
www.policybazaar.ae intends to provide clear and unbiased information about insurance products and services. The information and data are generic in nature. Our efforts are to offer unbiased, accurate and responsible data to the best of our ability. We are however, in no manner or form responsible for any discrepancies in the data published on our website.
There is no intention or purpose of violating any intellectual property or ancillary rights. All information provided on the Website is subject to it’s discretion and is likely to change without any notice. Though, any changes in public utility will be communicated on our portal.
Although we have tried to maintain high standards in quality, clarity and accuracy of the material posted on the Website is not legally responsible for the same in any manner what so ever.
Employees, partners and associated staff of www.policybazaar.ae are not accountable for any loss, harm or damage that occurs or may occur or arise from the usage of information from the portal. Customers are advised to use their own discretion in such matters.
It is important to understand that insurance is a subject matter of solicitation and market risks. It is the responsibility of the customer to understand the limitations of insurance policies and the risks involved, and under no circumstance, form or manner, do we take any liability in such cases. We also recommend you to please read the subject and offer documents carefully. The information provided on the portal is for financial and insurance purposes.
It is a mutual understanding between us and the customers that their association with the Website will be at the customer's sole discretion and risk.
Visitors to this Website and every third party are hereby informed that the owners of this Website are not licensed by the United Arab Emirates Insurance Authority as an insurer or an intermediary.
www.policybazaar.ae is a marketing website owned by PB Fintech FZ LLC with the purpose of information dissemination relating to financial services and products and is not set-up or intends to be involved in insurance sales and/or placement of risks in any manner.
It is made abundantly clear that the Company, its directors, shareholders, officers and employees and www.policybazaar.ae are in no way responsible to or liable for any one in respect of his/her investment decision, and every prospect/ investor/policyholder shall be solely responsible for the consequences of his/her decision.
In order to provide our services to you we need to disclose the information you entered into our Website to our Insurance Partners. This information is necessary to provide you with the quotations you have requested. All personal information will be held in strictest confidence and used only for the purposes of retrieving quotes, with certain caveats as described below.
We may also use your data to review and analyse market trends and to track sales data. Where you have come to our Website by clicking on a request for quote (or a button with similar functionality) on another site, we will supply information about the quotations you have obtained and any policies you obtain to that site.
When you submit information into our Website (or when you enquire about or purchase a product or service offered by our business via our contact center) we (including our affiliates and partners) collect your data and personal information including sensitive personal data such as health information and criminal proceedings or convictions (the “Personal Information”). You should be aware that without this Personal Information, we may not be able to provide you with the Services and/or products you are applying for.
It is very important to us that we provide a service that meets the expectations of our customers. In order to assist us in doing this, unless you tell us otherwise, we may use the information you supply to contact you by phone, e-mail, SMS or otherwise to tell you about products and services which may be of interest to you.
For example, these services could include the following: (1) Newsletters; (2) New product launches; (4) Reminders about our services; (5) Future surveys/research.
We will provide your Personal Information to organisations authorized by us to conduct promotional, research or marketing activities. If you prefer to opt out of such direct marketing activity, please let us know by any means convenient for you so that we may remove your personal data from our marketing database. However, please remember that by opting out, we will not be able to contact you about products or services that may benefit you.
Before you provide us with any information about other people, you must first get their permission. This applies to all information you provide about them, but especially to sensitive data such as health information or criminal proceedings or convictions. In submitting their details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used under the terms of this Privacy Statement.
We will endeavour to treat all your Personal Information as private and confidential. Other than under the terms of this Privacy Statement we will not disclose any of your information to anyone unless we are required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend our legal rights.
All credit/debit cards details and personally identifiable information will NOT be stored, sold, shared, rented or leased to any third parties.