Terms and Conditions

1. License

Emirando Insurance UAE grants you a limited, revocable, non-exclusive, non-transferable license to access and view the Website and, where expressly permitted, to temporarily download one copy of certain materials for your personal, non-commercial, and transitory use only.

This license does not transfer ownership or title in any material.

Under this license, you may not:

• modify, adapt, reproduce, or copy Website materials except as expressly permitted;
• use Website content for any commercial purpose or public display;
• attempt to decompile, reverse engineer, disrupt, or interfere with any software, feature, code, or functionality connected with the Website;
• remove any copyright, trademark, or proprietary notices from the materials; or
• transfer, repost, mirror, frame, or store Website content on another server, platform, or website without prior written consent.

If you download any material for personal, non-commercial use, you agree that:

• no document or related graphic will be modified;
• no content will be used separately from its associated text, notices, or context; and
• all copyright and proprietary notices will remain intact on every copy.

Any breach of these Terms automatically terminates your right to use the Website, and you must immediately destroy or delete any downloaded or printed materials obtained from it.

No part of the Website may be reproduced, stored in a retrieval system, embedded into another website, or distributed through any medium without prior written approval from Emirando Insurance UAE.

You acknowledge that any general informational content made available through the Website, including health, wellness, claims, insurance, or service-related information, is provided for informational purposes only and does not constitute medical, financial, legal, or professional advice.

Website content should not be relied upon as the sole basis for any diagnosis, treatment, insurance decision, legal interpretation, or commercial action. Professional advice should be obtained where appropriate.

Not all products or services described on the Website are available in all geographic areas, through all channels, or to all customers. Eligibility for any quotation, product, service, or benefit remains subject to Emirando Insurance UAE’s underwriting rules, internal criteria, regulatory requirements, and applicable product terms.

Unless expressly agreed otherwise, any material, communication, request, image, document, or other content submitted to the Website may be treated as non-confidential and non-proprietary, subject always to our Privacy Policy and applicable data protection laws.

2. Disclaimer

The Website and all materials made available through it are provided on an “as is” and “as available” basis. Emirando Insurance UAE makes no express or implied warranties, representations, or guarantees regarding the Website, including without limitation any warranty of accuracy, completeness, reliability, availability, merchantability, fitness for a particular purpose, or non-infringement.

Emirando Insurance UAE does not warrant that Website content is free from errors, omissions, interruptions, delays, malware, viruses, or other harmful components, or that access will be uninterrupted or secure at all times.

Any reference to products or services on the Website is for general informational purposes only and does not constitute a binding offer, advice, solicitation, or guarantee of availability.

Access to the Website may be interrupted, restricted, suspended, or unavailable from time to time due to maintenance, upgrades, technical faults, third-party service issues, or events beyond our control.

You are solely responsible for maintaining the security of your own devices, internet connections, usernames, passwords, and software environment, including the installation of appropriate antivirus, anti-malware, and firewall protections.

3. Limitations and Acceptable Use

To the fullest extent permitted by law, Emirando Insurance UAE and its service providers shall not be liable for any loss, damage, claim, liability, cost, or expense arising from or connected with the use of, inability to use, or reliance on the Website or its materials, including indirect, incidental, special, punitive, or consequential damages, loss of profit, loss of revenue, loss of business, loss of opportunity, or loss of data.

You must not post, submit, transmit, upload, or distribute through the Website any material that:

• is unlawful, threatening, abusive, defamatory, obscene, misleading, offensive, discriminatory, invasive of privacy, or otherwise objectionable;
• infringes the rights of any third party, including intellectual property, privacy, confidentiality, or contractual rights;
• contains false, inaccurate, or misleading statements;
• contains malicious code, viruses, worms, trojans, ransomware, spyware, corrupted files, or other harmful components; or
• encourages illegal conduct, fraud, unauthorized access, or misuse of systems.

You must not misuse the Website by hacking, attempting unauthorized access, overloading systems, scraping content in an unauthorized way, introducing malicious software, or interfering with the Website’s normal operation.

Emirando Insurance UAE reserves the right to investigate suspected breaches of these Terms and to cooperate with law enforcement agencies, regulators, or competent authorities where required.

4. Revisions and Errors

The Website may contain technical, typographical, formatting, pricing, descriptive, or other errors. Emirando Insurance UAE does not guarantee that Website content is accurate, complete, current, or free from error.

We reserve the right to correct errors, update information, amend content, replace features, discontinue sections, or suspend the Website or any service offering at any time without prior notice and without liability.

Emirando Insurance UAE is under no obligation to update any information on the Website unless required by law or regulation.

5. Third-Party Links

The Website may contain links to third-party websites, tools, service providers, payment gateways, partner platforms, or informational resources for your convenience.

Such links do not imply endorsement, approval, or responsibility by Emirando Insurance UAE. We do not control and are not responsible for the availability, accuracy, legality, content, privacy practices, or security of third-party websites or services.

If you choose to access any third-party site through a link on our Website, you do so at your own risk and subject to that third party’s own terms and policies.

6. Promotions, Offers, and Third-Party Campaigns

The Website may from time to time display or refer to promotions, discounts, campaigns, benefits, rewards, referral initiatives, or third-party offers.

Any such offer may be limited by product type, eligibility criteria, underwriting approval, time period, channel, geography, policy status, or other specific conditions. The mere display of an offer on the Website does not mean that every user is eligible to receive or redeem it.

Where any promotion or benefit is provided by or in partnership with a third party, Emirando Insurance UAE shall not be responsible for that third party’s acts, omissions, goods, services, representations, or failures unless expressly stated otherwise.

7. Changes to These Terms

Emirando Insurance UAE may revise, replace, or update these Terms and Conditions at any time without prior notice. The latest version will be published on the Website with an updated effective date.

Your continued access to or use of the Website after any update constitutes your acceptance of the revised Terms and Conditions.

8. Online Quotations and Online Insurance Policy – Additional Terms

Where the Website allows you to request a quotation, submit information, purchase insurance, renew a policy, make a payment, upload documents, or otherwise initiate a transaction, the following additional terms apply.

You confirm that all information and documents provided by you are true, accurate, current, complete, and not misleading. If any information provided by you is false, incomplete, outdated, or misleading, Emirando Insurance UAE may reject, suspend, cancel, invalidate, or otherwise refuse any quotation, application, renewal, payment, service request, or policy transaction, to the extent permitted by law and applicable product terms.

Submission of a request for quotation, inquiry, proposal, payment, or application does not create any obligation on Emirando Insurance UAE to provide cover, issue a policy, accept a risk, or complete a transaction.

All quotations, premiums, indicative prices, coverage illustrations, and provisional terms displayed through the Website are subject to underwriting review, validation, correction, policy conditions, regulatory requirements, and final approval. Final premium and coverage terms may differ from those initially displayed online.

In the event of any inconsistency between online information and the final policy schedule, certificate, endorsement, or official underwriting decision issued by Emirando Insurance UAE, the official issued policy documents and underwriting decision shall prevail.

Emirando Insurance UAE reserves the right to request further information, documents, declarations, medical details, inspections, identity verification, payment verification, or clarification before issuing, renewing, amending, or servicing any policy.

Any decision to purchase an insurance policy should be based on your own assessment of your needs and your review of the applicable policy wording, schedule, endorsements, exclusions, limitations, declarations, and product terms.

Emirando Insurance UAE’s electronic, system-generated, transactional, audit, and operational records shall, to the extent permitted by law, be treated as evidence of requests, submissions, payments, timestamps, activity logs, and transaction status.

If you submit personal information relating to another person, you confirm that you are duly authorized to do so and that any such disclosure complies with applicable law.

9. Refund Policy

Refund eligibility, cancellation rights, cooling-off periods, free-look periods, administrative deductions, and refund timelines may vary depending on the insurance product, payment method, underwriting stage, policy status, and the terms contained in the relevant policy documentation.

Customers should review the applicable product wording, policy schedule, certificate, and cancellation provisions to determine whether any refund right applies and under what conditions.

Any approved refund may be subject to deductions for time on risk, claims experience, medical or inspection costs, administrative charges, payment gateway charges, taxes, regulatory fees, or other applicable deductions where permitted.

10. Liability

To the fullest extent permitted by law, Emirando Insurance UAE, its affiliates, service providers, officers, employees, agents, and contractors exclude all liability for any loss or damage of any kind arising from or connected with your use of, inability to use, or reliance on the Website, any linked site, or any material accessed through them.

This includes, without limitation, direct, indirect, incidental, punitive, special, or consequential loss; loss of profits, revenue, business, goodwill, opportunity, anticipated savings, or data; business interruption; system failure; or losses arising from malware, viruses, ransomware, cyber incidents, unauthorized access, transmission failures, or corrupted downloads.

If your use of the Website results in the need for servicing, repair, replacement, or correction of equipment, software, or data, you assume all associated costs.

11. Indemnity

You agree to indemnify, defend, and hold harmless Emirando Insurance UAE, its affiliates, officers, directors, employees, contractors, representatives, and agents from and against any claim, action, liability, loss, damage, penalty, cost, or expense (including reasonable legal fees) arising out of or related to:

• your breach of these Terms and Conditions;
• your misuse of the Website;
• your violation of any applicable law, regulation, or third-party right; or
• any false, misleading, unauthorized, or unlawful information or material submitted by you.

12. Governing Law and Jurisdiction

These Terms and Conditions, and any dispute, claim, or matter arising out of or in connection with the Website or its use, shall be governed by and construed in accordance with the applicable onshore federal laws of the United Arab Emirates.

Unless otherwise required by mandatory law, the courts of Dubai, United Arab Emirates, shall have exclusive jurisdiction over any dispute arising in connection with these Terms and Conditions.