Terms & Conditions

Quick Insurance Brokers LLC maintains the Quickinsurance.ae Website ("Site"). The following are the terms of use that govern use of the Site ("Terms of Use"). By using the Site you expressly agree to be bound by these Terms of Use and the quickinsurance.ae privacy policy and to follow these Terms of Use and all applicable laws and regulations governing use of the Site. Quick Insurance Brokers reserves the right to change these Terms of Use at any time, effective immediately upon posting on the Site. Please check this page of the Site periodically. We will note when there are updates to the Terms of Use at the bottom of the Terms of Use. If you violate these Terms of Use, Quick Insurance Brokers may terminate your use of the Site, ban you from future use of the Site, and/or take appropriate legal action against you.

Limited License

You are granted a limited, non-exclusive, revocable and non-transferable license to utilize and access the Site pursuant to the requirements and restrictions of these Terms of Use. Quick Insurance Brokers may change, suspend, or discontinue any aspect of the Site at any time. Quick Insurance Brokers may also, without notice or liability, impose limits on certain features and services or restrict your access to all or portions of the Site. You shall have no rights to the proprietary software and related documentation, if any, provided to you in order to access the Site. Except as provided in the Terms of Use, you shall have no right to directly or indirectly, own, use, loan, sell, rent, lease, license, sublicense, assign, copy, translate, modify, adapt, improve, or create any new or derivative works from, or display, distribute, perform, or in any way exploit the Site, or any of its contents (including software) in whole or in part.

1. Site Operation

United Arab Emirates is our Country of Domicile. Quick Insurance Brokers controls this Site from the U.A.E. Quick Insurance Brokers makes no representation that this Site is appropriate for use in other locations. If you use this Site from other locations you are responsible for ensuring compliance with local laws. You may not use, export or re-export any materials from this Site in violation of any applicable laws or regulations, including, but not limited to any U.A.E export laws and regulations

2. Applicable Law

The Laws of the United Arab Emirates shall govern the use of the Site and the Terms of Use, without regards to conflict of laws principals. All disputes arising in connection therewith shall be heard only by a court of competent jurisdiction in U.A.E.

3. Currency Priced Transaction

The displayed price and currency is in AED, it will be the same price and currency charged to the Card and printed on the Transaction Receipt.

4. Purchases

Quick Insurance Brokers accepts payment by Visa or Mastercard debit and credit cards in AED for its products and services. All online purchases are also governed by the terms and conditions of respective merchant service providers. Please review respective merchant service provider's user agreement and privacy policy before entering any transaction.

Interpretation. These Terms of Use supersede all other written and oral communications or agreements with regard to the subject matters discussed in these Terms of Use. A waiver or modification of these Terms of Use will only be effective if made in writing signed by an authorized officer of Quick Insurance Brokers LLC. All refunds will be made onto the original mode of payment.

5. Office Foreighn Assets Control (OFAC) Sanctionsed Countries

Quick Insurance Brokers 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, individuals, groups, and entities, such as terrorists and narcotics traffickers, designated under the OFAC programs that are not country specific

6. 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 Quick Insurance Brokers through the Site or for inclusion on the, Site 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 customer using the website who are Minor /under the age of 18 shall not register as a User of the website and shall not transact on or use the website.

7. Permitted Use

You agree that you are only authorized to visit, view and to retain a copy of pages of this Site for your own personal use, that you shall not duplicate, download, publish, modify or otherwise distribute the material on this Site for any purpose other than for personal use, unless otherwise specifically authorized by Quick Insurance Brokers to do so. You also agree not to deep-link to the site for any purpose, unless specifically authorized by Quick Insurance Brokers to do so. The content and software on this Site is the property of Quick Insurance Brokers. The cardholder must retain a copy of transaction records and Merchant policies and rules.

8. Your Account

If you use the site quickinsurance.ae, 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. The Site 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 section.

No Commercial Use

This Site may not be used by you for any commercial purposes such as to conduct sales of merchandise or services of any kind. You must obtain Quick Insurance Brokers LLC prior written consent to make commercial offers of any kind on the Site, whether by advertising, solicitations, links, or any other form of communication. Quick Insurance Brokers will investigate and take appropriate legal action against anyone who violates this provision, including without limitation, removing the offending communication from the Site and barring such violators from use of the Site.

Links And Search Results

The Site may automatically produce search results that reference and/or link to third party sites throughout the World Wide Web. Quick Insurance Brokers has no control over these sites or the content within them. Quick Insurance Brokers does not guarantee, represent or warrant that the content contained in the sites is accurate, legal and/or inoffensive. Quick Insurance Brokers does not endorse the content of any third party site, nor does it make any representation or warranty about these sites, including that they will not contain viruses or otherwise impact your computer. By using the Site to search for or link to another site, you agree and understand that you may not make any claim against Quick Insurance Brokers for any damages or losses, whatsoever, resulting from your use of the Site to obtain search results or to link to another site. If you have a problem with a link from the Site, you may notify us at info@quickinsurance.ae

Copyright Policy

Quick Insurance Brokers may terminate the privileges of any user who uses this Site to unlawfully transmit copyrighted material without a license, express consent, valid defense or fair use exemption to do so. If you submit information to this Site, you warrant that the information does not infringe the copyrights or other rights of third parties.

Violations of Terms of Use

You understand and agree that in Quick Insurance brokers's sole discretion, and without prior notice, Quick Insurance Brokers may terminate your access to the Site, or exercise any other remedy available and remove any unauthorized user information, if Quick Insurance Brokers believes that the information you provide has violated or is inconsistent with these Terms of Use, or violates the rights of Quick Insurance Brokers, or any third party, or violates the law. You agree that monetary damages may not provide a sufficient remedy to Quick Insurance Brokers for violations of these Terms of Use and you consent to injunctive or other equitable relief for such violations. Quick Insurance Brokers may release user information about you if required by law or subpoena.

Indemnity

You agree to indemnify and hold Quick Insurance Brokers, its subsidiaries, affiliates, officers, agents and other partners and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of or relating to your use of the Site, including also your use of the Site to provide a link to another site or to upload content or other information to the Site, or your breach of the Terms of Use.

Licence Granted To you

By providing materials to Quick Insurance Brokers, including by submitting or uploading content or materials for use on the Site you represent and warrant that you or the owner of all rights to such content or materials has expressly granted Quick Insurance Brokers an irrevocable world-wide right in all languages and in perpetuity to use and exploit all or any part of the content and materials provided by you. Quick Insurance Brokers may publish and distribute any such submitted content or materials at its sole discretion by any method now existing or later developed. You agree that you shall waive all claims and have no recourse against Quick Insurance Brokers for any alleged or actual infringement or misappropriation of any proprietary rights in any communication, content or material submitted to Quick Insurance Brokers. Any communication or materials you send to Quick Insurance Brokers will be treated as non- confidential and non-proprietary and may be disseminated or used by Quick Insurance Brokers for any purpose, including, but not limited to, developing, creating, manufacturing or marketing products or services.

Advertising

The Site 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 Site are accurate and comply with all applicable laws. Quick Insurance Brokers is not responsible for the acts or omissions of any advertiser or sponsor.

Severability

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

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

Insurance Platform Terms and Conditions

THESE ARE IMPORTANT CONDITIONS AFFECTING YOUR RIGHTS AND YOU SHOULD READ THEM CAREFULLY

These terms and conditions constitute a legal agreement entered into between the Purchaser and the Broker (as defined below) and they shall apply to any purchase of insurance products made through this Platform.

By accepting this agreement, the Purchaser agrees to and accepts Quick Insurance Brokers Website Terms & Conditions and Privacy Policy. The Purchaser also acknowledges and accepts that neither Quick Insurance Brokers nor any of its owners, officers, employees or agents are parties to, or participants in, this agreement and the Purchaser discharges Quick Insurance Brokers and/or any of its owners, officers, employees or agents, as the case may be, from liability with respect to this agreement.

Purchase of Insurance Products

The Broker shall sell to the Purchaser, through this Platform, the Policies selected by the Purchaser.

In addition to these terms and conditions, the terms and conditions of the insurance provider issuing and underwriting the Policy shall apply to any Policy purchased through this Platform.

By purchasing a Policy through this Platform, the Purchaser acknowledges that the Purchaser has read, understood and agreed to the insurance provider's terms and conditions applicable to all Policies that the Purchaser purchases.

Any information regarding a Policy presented on this Platform is for information purposes only. In any decision as to whether the Purchaser should or should not purchase any Policy on this Platform, the Purchaser should not rely any information regarding any Policy referred to or described on this Platform and should rely solely on the insurance provider's terms and conditions in respect of any Policy. Those are the terms and conditions that will apply to and govern the Purchaser's purchase of the Policy and the insurance coverage so purchased.

Platform Operates as a Website Portal Only

The function of this Platform is only to refer prospective Purchasers of insurance products to the providers whose Policy is presented on the Platform. The Platform makes no recommendation with respect to the suitability, scope, effect or operation of any Policy, and any decision to purchase a particular Policy through the Platform rests with the Purchaser.

The Purchaser acknowledges and accepts that any claims in relation to any Policy must be made directly to the insurance provider, and not through this Platform or through the Broker.

Representations and Warranties of the Purchaser

By using this Platform to purchase a Policy, the Purchaser represents and warrants as that:

1. the Purchaser is over the age of 18 and has the legal capacity to enter into this agreement;
2. all of the information that the Purchaser has supplied to this Platform is true and complete at the time that it is supplied; and the Purchaser will disclosed to the Broker any circumstances, including other contracts or legal instruments to which the Purchaser may be bound, that would or may impede, impair or render illegal the Purchaser's purchase of a Policy through this Platform.

General

This document contains the entire agreement between the parties regarding the matters contained herein and no party shall be bound by any undertakings, representations, warranties, promises or the like not recorded in writing.

If any provision of this agreement is found by a court of law to be invalid or void such provision will be severed from the agreement, without affecting the remainder of the provisions hereof.

This agreement and all matters or disputes arising therefrom or incidental thereto shall be governed and construed in accordance with the laws of the United Arab Emirates. The Purchaser consents to the jurisdiction of the courts of the United Arab Emirates with respect to any disputes arising out of this agreement.

Disclaimer

All content featured on the website of quickinsurance.ae and in any newsletters, postings or mailings are subject to this disclaimer. No listings on this website are meant or intended as a recommendation of any insurance product or Policy. Information contained in any tables is provided for information only.

In relation to any decision to be taken in relation to any product as a result of this Platform, Quick Insurance Brokers recommends that you make all enquiries and, if necessary, take appropriate financial advice before entering into any transactions. All prices are subject to change without notice.

Quick Insurance Brokers expressly disclaims any responsibility for ensuring the accuracy of any information contained on this Platform, in any newsletters, postings, or mailings, or provided in any other manner.

If you are purchasing an insurance Policy through this website you should also read the terms and conditions of the Participating Insurer (Insurer's Terms and Conditions) which is selling the Policy to you and which will be contained in the Model Policy on the Checkout Page. Those Insurer's Terms and Conditions will exclusively govern the terms of the transaction between you and the Participating Insurer concerned. These Portal Terms and Conditions govern your use of the Portal.

Delivery policy

The Customer will receive payment confirmation via email as soon as order has been placed. All documents relating to insurance products purchased by the Purchaser, including the policy itself, shall be delivered to the Purchaser exclusively by e-mail.

Validating Your Policy Document

You may be required, as a condition for the purchase of a Policy, to produce and upload certain personal documents. Once uploaded and verified and payment cleared your policy will be accepted or declined.

Refund Policy

The refund will be made based on case to case basis as refund and cancellation policies for each policy will be mentioned in the checkout page before the payment.

We do not underwrite insurance cover and any dispute between you and a Participating Insurer over cover shall not give rise to any rebate or refund or repayment liability or obligation on the part of the Service Providers, including the following, whether or not arising in connection with the Portal.

(i) (i) the denial, restriction, cancellation or rescission of cover under a Policy issued by a Participating Insurer via the Portal for any reason whatsoever, including fraud, misstatement (innocent, negligent or fraudulent) or non-disclosure by you the customer, willful or otherwise;

(ii) (ii) any rebate or claimed rebate of Premium in connection with (i).

Any arrangements or Customer communication in connection with Refund Policy shall be implemented by the Participating Insurer direct with the Customer and the Service Providers shall be no obligation to assist in any such matter.

Refunds or rebates will be done only through the original mode of payment.

Standard refund process in case of policy cancellation involves a check issuance under the name of the insured only. All other alternatives are based on prior approval.

Standard Time for Average Turnaround (TAT) for refund in case of policy cancellation after receiving all documents required like, proof, cancellation form and other relevant cancellation documents from Insurance provider is 45 days.

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.

In the event that we offer you a discount during the purchase of your policy through this site and you canceled your policy at a later date, we will refund to you the premium amount as per insurance company's credit note less any fees charged by the insurance company less the full discount that we offered to you when your purchased through us, irrespective of how much time your police was active

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.