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Terms of use

1.        Acceptance of terms

Insurancemonitor.ae (the 'Website' or 'Site') is the property of IM Tech Services FZE ('IM' or the 'Company' or 'Us' or 'We' or 'Our'). 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 Insurancemonitor.com privacy policy and to follow these Terms of Use and all applicable laws and regulations governing use of the Site. The Company 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, the Company may terminate your use of the Site, bar 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. The Company may change, suspend, or discontinue any aspect of the Site at any time. The Company 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.

2.        Services

Through its network of web properties, the Site provides the user with access to a variety of resources, including news, publications, consumer reviews, self-help tools and directories of resources which may be self-authored or provided by other parties (collectively ‘Services’).  The Company reserves the right to cancel user access to the services for violation of any Terms of Use stipulated herein, in its sole discretion.

3.        Site operation 

United Arab Emirates ('U.A.E') is our Country of Domicile. The Company controls this Site from the U.A.E. The Company 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.

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.

4.        Multi-currency priced transaction

The displayed price and currency selected by you, will be the same price and currency charged to the Card and printed on the Transaction Receipt.

Purchases 

The Company accepts payment by Visa or Mastercard debit and credit cards in AED for its products and services. 

Subscription policy

Subscription fees are non-refundable and non-cancellable once payment has been processed.

Payment confirmation

A payment confirmation email will be sent to the user's registered email address within five minutes of payment success. 

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 the Company. All refunds will be made onto the original mode of payment.

5.        Office Foreign Assets Control (OFAC) sanctioned countries 

The Company 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 countryspecific.

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 the Company 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 the Company to do so. You also agree not to deep-link to the site for any purpose, unless specifically authorized by the Company to do so. The content and software on this Site is the property of the Company. The cardholder must retain a copy of transaction records and Merchant policies and rules.

8.        Your account 

If you use the Company Site, 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.

9.        No commericlal 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 the Company’s prior written consent to make commercial offers of any kind on the Site, whether by advertising, solicitations, links, or any other form of communication. The Company 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.

10.      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. The Company has no control over these sites or the content within them. The Company does not guarantee, represent or warrant that the content contained in the sites is accurate, legal and/or inoffensive. The Company 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 the Company 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 techsupport@insurancemonitor.ae.

11.      Copyright and prohibited use

You agree not to use this website:

  • to create a database (electronic or otherwise) that includes material downloaded or otherwise obtained from this website otherwise than for your own personal records (and except where expressly permitted on the website);
  • to transmit or re-circulate any material obtained from this website to any third party except where expressly permitted on this website;
  • in such a way so as to remove the copyright or trade mark notice(s) from any copies of any material made in accordance with these terms;
  • to modify, copy, distribute, transmit, display, reproduce, publish, transfer, create derived works from, or sold from this website without our prior written consent;
  • to disseminate any unsolicited or unauthorised advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation; or
  • to disseminate any material that contains software viruses or any other computer code, files or programs designed to interrupt, damage, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.

Subject to this paragraph, all rights in material on this website are owned and reserved to the Company.

The Company may terminate the privileges of any user who uses this Site to unlawfully to 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.

12.      Intellectual property

Although the Company is not responsible for the content, quality or accuracy of data provided by users, compilations of such data, text, information and other materials are made available to users through the Company’s system. The On-line Materials are the Company’s intellectual property, and are protected by U.S. and international intellectual property laws. The On-line Materials may not be copied or redistributed either in whole or in part without prior written consent of the Company, except as expressly and specifically permitted under these Terms of Use.

The On-line Materials are and will remain the exclusive property of the Company. All rights, titles and interests in and to the On-line Materials will be and remain vested solely in the Company. Under no circumstances will you have any right, directly or indirectly, to own, use, copy, loan, sell, rent, lease, license, sublicense, redistribute, assign or otherwise convey the On- line Materials, or any rights thereto, except as expressly and specifically provided in the Terms of Use. Nothing in these Terms of Use will convey to you any right, title or interest, except that of a license with the express rights and subject to all limitations herein. Nothing in these Terms of Use grants you the right, directly or indirectly, to use the On-line Materials to create a product for resale or to use the On-line Materials in any way that competes with the Company.

You acknowledge and agree that the Company will own all rights, titles and interests in and to any copy, translation, modification, adaptation, derivative work or improvement of the On-line Materials made by or for you. At the Company’s request, you must execute, or obtain the execution of, any instrument that may be necessary to assign these rights, titles or interests to the Company or perfect these rights, titles or interests in the Company’s name.

13.      License granted to you 

By providing materials to the Company, 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 the Company 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. The Company 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 the Company for any alleged or actual infringement or misappropriation of any proprietary rights in any communication, content or material submitted to the Company. Any communication or materials you send to the Company will be treated as non-confidential and non-proprietary and may be disseminated or used by the Company for any purpose, including, but not limited to, developing, creating, manufacturing or marketing products or services.

14.      Disclaimer of warranty, limitation of damages

THE COMPANY MAKES NO WARRANTY OR REPRESENTATION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTY OF TITLE OR NON-INFRINGEMENT OR IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,NON-INFRINGEMENT OR OTHER VIOLATION OF RIGHTS IN RELATION TO THE AVAILABILITY, ACCURACY, VALIDITY, RELIABILITY OR CONTENT OF THESE PAGES AND/OR THE SITE. THE COMPANY ALSO DOES NOT MAKE ANY REPRESENTATION OR WARRANTY REGARDING THE ACCURACY OR RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION THAT IS SUBMITTED, DISPLAYED OR UPLOADED THROUGH THE SITE BY ANY USER. THE COMPANY SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, LOST PROFITS OR FOR BUSINESS INTERRUPTION ARISING OUT OF THE USE OF OR INABILITY TO USE THIS SITE, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW EXCLUSION OF CERTAIN WARRANTIES OR LIMITATIONS OF LIABILITY, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. THE LIABILITY OF THE COMPANY WOULD IN SUCH CASE BE LIMITED TO THE GREATEST EXTENT OF LIABILITY PERMITTED BY LAW.

15.      Reliability of information

The Site screens all material published for legitimacy, accuracy and completeness, however occasionally information that is provided by third parties may not be verifiable by us. Where appropriate we will disclose the sources of information. The user is advised to verify any information that is sought or relied on. Observations, opinions and forecasts published on Insurancemonitor.ae is not necessarily the views and opinions of the Company and is not intended to be a substitute for competent legal or financial advice. The Company makes no representation as to the accuracy of the information and assumes no liability for any damages or loss arising from the use thereof.

16.      Disclaimer of liability

Services provided by the Site are provided on an “AS IS” without warranty of any kind and no liability is accepted for service interruptions arising from internet facilities. The Site and/or its suppliers and contractors may make improvements, modifications and/or changes to the Services at any time without notice.

17.      Website links

The Site may display links to external websites that are independent from us and are made available to the user as a convenience. The inclusion of any such link does not imply endorsement by the Company of the website or its content.  
Inbound hyperlinks to the Site or display of any material thereof, is not permitted without our prior written consent.

The Company endeavours to ensure that the website does not contain or promulgate any viruses or other malicious code. It remains the responsibility of the user to scan all materials downloaded from the Site. The Company accepts no liability in connection with any damage or loss caused by computer viruses or other malicious code originating or contracted from the website.

18.      Advertisements

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. The Company is not responsible for the acts or omissions of any advertiser or sponsor.

19.      Removal of content

The Site reserves the right to refuse or remove any contribution (user submitted content or otherwise) on the website at its sole discretion without the need to give any reasons for doing so to the user or any third party.
Users are welcome to object the publication of any material placed on our website by calling +971 (0) 4 345 3346 (Dubai, UAE) or by sending an appropriately worded email to info@insurancemonitor.ae and we will take whatever action we deem appropriate.

20.      Severability

In the event that any term of these Terms of Use is held to be invalid, void or unenforceable, the remainder of these Terms of Use shall nevertheless continue in full force and effect.

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

21.      Violation of terms of use 

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

22.      Indemnity

You agree to indemnify and hold the Company, 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.

23.      Electronic consent

The User hereby agrees to the use of an electronic record to document this agreement. 

 

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