Terms of Service

Website Terms of Service

Effective Date: 01/01/2025

These Terms of Service ("Terms") govern your access to and use of the website https://www.gargashinsurance.com (the "Website") operated by Gargash Insurance Service Co LLC, a licensed insurance broker in the United Arab Emirates. By accessing or using the Website, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, you must refrain from using the Website.

1. Eligibility
To use this Website, you must be at least 18 years old and capable of forming legally binding contracts. By using the Website, you represent and warrant that you meet these requirements.

2. Use of the Website
You agree to use the Website for lawful purposes only and in a manner that does not infringe the rights of, or restrict the use of the Website by, any third party. Prohibited conduct includes, but is not limited to:

Engaging in fraudulent activities.
Uploading or transmitting any content that is unlawful, defamatory, abusive, or otherwise objectionable.
Attempting to gain unauthorized access to the Website or its systems.

3. Insurance Products and Services
The Website provides information about various insurance products and services, including but not limited to health, life, property, and car insurance. We act as an intermediary between clients and insurance providers and facilitate the provision of insurance services.

Please note that:

We do not underwrite insurance policies; rather, we connect you with licensed insurance providers.
The insurance products and services offered on the Website are subject to the terms and conditions of the respective insurance providers.
You should review the terms and conditions of each insurance policy before making a purchase.

4. No Advice
While we may provide general information about various insurance products, the content on the Website is not intended to be a substitute for professional advice. We recommend that you consult with an insurance advisor or professional to determine the best insurance products for your needs.

5. Privacy and Data Protection
Your use of the Website is governed by our [Privacy Policy], which outlines how we collect, use, and protect your personal information. By using the Website, you consent to our practices as described in the Privacy Policy.

6. Third-Party Links
The Website may contain links to third-party websites that are not operated by us. We are not responsible for the content or practices of these third-party websites. You access such third-party websites at your own risk.

7. Limitation of Liability
To the maximum extent permitted by law, Gargash Insurance Service Co LLC, its affiliates, and its directors, officers, employees, agents, or licensors shall not be liable for any direct, indirect, incidental, special, or consequential damages, or any loss of profits or data, arising from your use of the Website, including any information provided or transactions conducted on the Website.

8. Indemnification
You agree to indemnify, defend, and hold harmless Gargash Insurance Service Co LLC, its affiliates, and its directors, officers, employees, agents, and licensors from any claims, losses, damages, liabilities, and expenses (including legal fees) arising out of your use of the Website, your violation of these Terms, or your violation of any applicable law.

9. Modifications to the Website
We reserve the right to modify, suspend, or discontinue any aspect of the Website at any time without notice. We also reserve the right to revise these Terms at any time. Any changes to the Terms will be effective immediately upon posting on the Website. Your continued use of the Website after such changes constitutes your acceptance of the revised Terms.

10. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the United Arab Emirates. Any dispute arising out of or in connection with these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of the United Arab Emirates.

11. Contact Information
If you have any questions or concerns about these Terms, please contact us at:

Gargash Insurance Service Co LLC
P.O.Box 50251, Dubai, UAE
compliance@gargashinsurance.com