Terms of Use


Terms of Use–Website

This website - www.me-ins.com - is provided by Middle East Insurance Brokers (Dubai Branch) and is powered by AuFintech Global, registered and licenced by DMCC, United Arab Emirates.

Legal Notice


This terms of applies to the entire contents of our website under the domain name www.me-ins.com and to any correspondence by e-mail between us and you and hence, please read these terms carefully before using our website. Using our website point out that you accept these terms and our privacy policy regardless of whether or not you choose to register with us. If you do not accept these terms, do not use our website. This notice is issued by www.me-ins.com

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. If you are under the age of 18 or otherwise you do not have the capacity to accept this legal notice also, you must leave our website immediately.

Our website may revise this legal notice at any time by updating this posting. You should check our 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 Certain provisions of this legal notice may be superseded by expressly designated legal notices or terms to be found on some specific pages of our website.

You are permitted to print and download extracts from our website on the following basis:

    a) no documents or related graphics on the website are modified in any way;

    b) no graphics of the website are used separately from the corresponding text; and

    c) the Company's copyright and trade mark notices and this permission notice would appear in all copies.

Unless otherwise stated, the copyright and other intellectual property rights in respect of all materials of our 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 Clause 3 for any purpose is prohibited. If you breach any of the terms of this legal notice, your permission to use the website will end and you must immediately destroy any downloaded or printed extracts from the website. Subject to the applicable Clause, no part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without the Company's prior written permission. Any rights not expressly granted in these terms are reserved.

Service Access


While the website endeavors to ensure that it 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. 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.

Visitor Material and Conduct


Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post in the website shall be considered non-confidential and non- proprietary. The website shall have no obligations with respect to any such material. The website and its designees shall be free to copy, disclose, distribute, incorporate or otherwise use such material and all data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes.

You are prohibited from posting or transmitting to or from the website any material:

   a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or

   b) for which you have not obtained the necessary licenses and/or approvals; or

   c) which constitutes or encourages a behavior that might be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the Law or infringe the rights and or privileges of any third party, in any country in the world; or

   d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).

You may not misuse the website (including, without limitation, by hacking). The website 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 the applicable Clauses, mentioned above.

Links to and from Other Websites


Links to third party websites on the website are provided solely for your convenience. If you use these links, you would be moving out of our website. The Company has not reviewed all of these third party websites and hence, has no 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 by using them. If you decide to access any of the third party websites linked to our website, you may do so, but entirely at your own risk. If you would like to link to the website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions:

   a) you do not remove, distort or otherwise alter the size or appearance of the www.me-ins.com logo;

   b) you do not create a frame or any other browser or border environment around the website;

   c) you do not in any way imply that the website is endorsing any products or services other than its own;

   d) you do not misrepresent your relationship with the Company nor present any other false information about the Company;

   e) you do not otherwise use any trademarks displayed on the website without express written permission from the Company;

   f) you do not link from a website that is not owned by you; and

   g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations.

The Company expressly reserves the right to revoke the right granted in the applicable Clause for breach of these terms and to take any action it may deem appropriate. You shall fully indemnify the Company for any loss or damage suffered by the Company or any of its group companies for breach of the applicable Clause

Registration


Each registration is for a single user only. The Company does not permit you to share your user name and nickname with any other person nor with multiple users on a network. Responsibility for the security of any passwords issued rests with you.

Disclaimer


While the Company endeavors to ensure that the information on the Website is correct, the Company does not warrant the accuracy and completeness of the material on the Website. The Company may make changes to the material on the Website, or to the products and any other features 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. This website has been provided by www.me-ins.com for informational purposes only. Therefore, 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 quoted in this website. www.me-ins.com will not be liable for any loss, damages, claims, penalties and/or expenses arising from any financial and/or investment products quoted in this website. The information contained in this website is public and was obtained from printed material, websites and other sources made available by insurance providers, banks and other institutions. www.me-ins.com cannot guarantee the accuracy of the information contained in this website and is not responsible for any discrepancy between the content of this website and any external sources. 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). This website may provide links to other websites. Those links are not under our control and we don't accept any responsibility for the content that you encounter when you leave www.me-ins.com

Liability


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 websites linked to the Website or the material on such websites, 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 websites linked to the website.

Nothing in this legal notice shall exclude or limit the Company's liability for:

   a) death or personal injury caused by negligence

   b) fraud

   c) misrepresentation as to a fundamental matter or

   d) any liability which cannot be excluded or limited under applicable law.

Jurisdiction


Any dispute or claim arising out of or in connection with the website shall be governed by and construed in accordance with the laws of the United Arab Emirates, and the courts of the United Arab Emirates shall have exclusive jurisdiction in this respect.





Terms of Use - Insurance Portal

These terms and conditions constitute a legal agreement entered into between the Purchaser (Insured) and the Broker (as defined below) and shall apply to any purchase of insurance products made through this platform.By accepting this agreement, the Purchaser agrees having also accepted www.me-ins.com Website Terms of Use and Privacy Policy, it being specified that neither www.me-ins.com nor any of its owners, officers, employees or agents are participants in this agreement, nor shall they bear any liability whatsoever with respect to this agreement.

Definitions

In this agreement unless the context indicates otherwise:
“Broker” means Middle East Insurance Brokers, a broking company organized and existing under the laws of Dubai, UAE, with its principal place of business located at Al Manal Tower, Suite 205, Sheikh Zayed Road, Dubai, United Arab Emirates; “Policy” means any insurance policy available through this platform; “Purchaser” means any person or persons, jointly and severally, who are purchasing insurance products through this platform.
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 supplying the Policy shall apply to any Policy purchased through this platform.
By purchasing a Policy through this Platform, the Purchaser acknowledges having read and understood the insurance provider’s terms and conditions applicable to such Policy. Any information regarding a Policy presented on this platform is for information purposes only. The Purchaser should 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 the Purchaser’s insurance coverage.
Cancellation of Purchase
All purchases made through this platform shall be legally binding. Purchases may be cancelled by the Purchaser only in specific circumstances. The platform reserves the right to restrict refunds to being done only through the original mode of payment.
Acting as Intermediary only
This platform and the Broker act as an intermediary between the Purchaser and the insurance provider offering a Policy through the platform. Neither the platform nor the Broker will make any recommendation with respect to the suitability of any Policy, and any decision to purchase a particular Policy shall be the Purchaser’s sole responsibility.
The Purchaser understands 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 follows:

   1. it is over the age of 18 and has the legal capacity to enter into this agreement;

   2. all of the information that it has supplied to this platform is true, correct, and not misleading; and

  3. it has 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.

Payments

All payments in relation to a Policy purchased by the Purchaser are due on demand. All charges payable by the Purchaser shall be payable by credit card. We accept payments online using Visa and MasterCard credit or debit cards, in AED only.
The Purchaser will not be entitled to set-off or withhold payment of any amounts due in terms of this agreement for any reason whatsoever. The Purchaser’s acceptance of this agreement will constitute irrevocable authority for the Broker to obtain authorisation and/or payment on the Purchaser’s 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% or the maximum amount allowed under the law, whichever is lower, and in the sole discretion of the Broker.
A certificate of any director, manager or accountant of the Broker as to any amount owed by the Purchaser to the Broker shall constitute prima facie proof of that amount. It shall be the responsibility of the cardholder to retain a copy of transaction records as well as a copy of the terms and conditions set forth in this agreement.

Delivery Policy

All documents relating to insurance products purchased by the Purchaser, including the policy itself shall be delivered to the Purchaser exclusively by e-mail.

Limitation of Liability / Indemnity of the Broker by Purchaser

Neither the Broker nor any of 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 by the Purchaser of any insurance products through this platform.
The Broker, its directors, officers, employees, affiliates or agents are accordingly indemnified by the Purchaser against any claim of any nature whatsoever and howsoever arising from any damages or loss which might be instituted against the Broker, its directors, officers, employees, affiliates or agents arising from or connected with or pursuant to the purchase of insurance products contemplated in this agreement.

Disclaimer

All content featured on the website of www.me-ins.com and in any newsletters, postings or mailings are subject to this disclaimer. Any listings are not meant as a recommendation of a particular bank/provider; listings are displayed randomly. Information contained in any tables is subject to confirmation and is provided for information only.
As with all financial decisions or selections of a service provider, www.me-ins.com recommends that you make enquiries and, if necessary, take appropriate advice before entering into any transactions. All rates were checked prior to publication and are subject to change without notice. Information provided is obtained from freely available sources and was obtained directly from bank/provider printed materials and websites, as well as directly from help lines and/or call centers.
www.me-ins.com and AuFintech Global DMCC expressly disclaim any responsibility for ensuring the accuracy of any information contained on its website, in any newsletters, postings, or mailings, or provided in any other manner, and expressly disclaim any responsibility for any consequences arising from the use of or reliance upon such information by any person.

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.
No extension, latitude or other indulgence that may be given or are allowed by any party in respect of performance of any obligation hereunder, and no delay or forbearance in the enforcement of any party arising from this agreement, and no single or partial exercise of any right of any party under this agreement will in any circumstances be construed as implied consent or election by such party or operate as a waiver of or otherwise affect any party’s rights in terms of or arising from this agreement or stop or preclude any such party from enforcing at any time and without notice, strict and punctual compliance with each and every provision or term hereof.
This agreement and all matters or disputes arising there from 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.