TERMS OF USE

General Information

Please read the present Terms of use carefully before consulting our Website. By accessing to our Website or using its content, you acknowledge and agree that you have read and understood the following Terms of use which we reserve the right to modify or update at any time and you agree to be bound by them.We therefore ask you to consult our Terms of use on a regular basis. Do not use our Website if you do ot agree with the present Term of use and do not proceed to further web pages.

Information about DHA policies

For DHA policies, after your transaction is processed and successfully validated by GDRFA, your details will be uploaded to the DHA within 24 hours

Copyright

All content in our Website is protected by copyright with all rights reserved. All rights to the pages, site content and arrangement are owned by us or our partners. You are prohibited from copying, modifying, displaying, distributing, transmitting, redelivering through the use of "framing" technology, publishing, selling, licensing, creating derivative works or using any content, trademark or logo for any purpose without our prior written approval.

Warranty

All our Website’s content, including, but not limited to, graphics, text and hyperlinks or references to other sites, is subject to alteration without prior notice and is provided "as is" and without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or other harmful components.

We do not warrant the adequacy, accuracy, reliability or completeness of any information on our Website and expressly disclaim any liability for errors or omissions therein. We do not warrant that the functions of our Website will be uninterrupted and/or error-free, that defects will be corrected or that our Website or the servers that make it available are free from computer viruses or other harmful components.

Disclaimer

We expressly disclaim any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with your accessing or using or inability to access or use of our Website or your reliance on its content, or any failure of performance, interruption, defect, delay in transmission, computer viruses or other harmful components, or line or system failure associated with our Website, regardless of our knowledge thereof.

Reservation of Rights

We reserve the right to change, modify, add to, or remove portions of the present Terms of use at any time. The Terms of use may also be changed or updated occasionally to meet legal requirements or industry standards. Therefore you are encouraged to frequently read our Terms of use in order to be updated about the changes on our Website. Modifications will be effective on the day they are posted.

Jurisdiction, Applicable law

Any disputes relating to our Website or to the present Terms of use shall be brought before the UAE courts, and will be governed and analysed according to the UAE law, on their merits, independently of the rules concerning conflicting legislation. The use of our Website indicates your express agreement to submit any dispute to the exclusive jurisdiction of the UAE courts and further indicates that they are a convenient forum for you.

Should any provision of the present Terms of use be held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes close to the intention underlying the unenforceable provision.

Privacy Policy

We are committed to safeguarding the Personal Information that we collect from individuals who use our Website . The present Privacy Policy is applicable to any information given by you via our Website which identifies you (i.e. Personal Information) and explains how we use Personal Information about our customers and how we protect their privacy.

We believe that an individual's Personal Information should be handled with the utmost respect and therefore reasonable precautions are taken to keep your data secure. It is important to us that the customers are confident that their Personal Information will be treated with the necessary degree of privacy.

This Privacy Policy applies to Personal Information obtained by us through your use of our Website. It is not applicable to any Internet websites controlled by third parties. Please review the privacy statements of third party sites as we are not responsible for and have no influence on the content or the privacy practices of third party sites. Our privacy policy is subject to any additional terms of disclaimers or other contractual terms you have entered into with us or our partners such as client privacy statements or notices, and any applicable mandatory laws and regulations.

We do not share your data with third parties or affiliates unless it is required to resolve an issue that you have raised. We may disclose your information to our affiliates and their agents and third party providers inside or outside your country of residence to render our services. When transferring personal data internationally we make sure that we comply with applicable laws and regulations. We may also disclose your information to governmental agencies or entities, regulatory authorities, or other persons in line with any applicable law, regulations, court order or official request, or under any and for the purposes of any guidelines issued by regulatory or other authorities, or similar processes as either required or permitted by applicable law.

Payment Terms and conditions

All credit/debit cards details and personally identifiable information are not being stored, sold, shared, rented or leased to any third parties. Minors under the age of 18 are prohibited from registering as a user of our Website and are not allowed to transact or use our Website. If you make a payment for a product or a service on this 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 do not deal or provide any services or products to any of OFAC sanctions countries in accordance with the law of UAE our country of domicile.

Refund Policy and cancellation policy

You can cancel your subscribed policy at any time. Please note that the cancellation will not lead to credit, refunds or prorated refunds.

In case Refunds, They will be done only through the Original Mode of Payment

Our use of "cookies"

We use tracking technology such as cookies or tags to gather information to understand how visitors use our Website. Tracking technology helps us manage and improve the usability of our Website, for example by detecting whether there has been any contact between your computer and us in the past and to identify the most popular sections of our Website.

To comply with applicable laws and regulations, in some countries you may be asked to confirm your cookie settings when you first visit our Website.  If you are in a country where you are automatically required to set your cookie settings, you may be asked to set them again on a future visit.

In many cases you can also control tracking technologies using your browser. Please ensure that your browser setting reflects whether you wish to be warned about and/or accept tracking technologies (such as cookies) where possible.  The specific capabilities of your browser and instructions on how to use them can usually be found in the manual or help file of your browser.

Refusing, disabling or deactivating of tracking technologies may result in a reduced availability of our services or parts of our Website may no longer function correctly.