Terms and Conditions for Using the Application: 

Kindly read the terms and conditions of using the application carefully before using the services offered by the application, by using the mobile application or the website, where the terms and conditions of using the application is offered (herein after referred to as "Terms and Conditions"), you indicate your acceptance of the same as well as Insurco Application's Privacy Policy, and in the event of your non-acceptance to all these terms, conditions and privacy policy, you won't be able to use this application. 

This application belongs to Insurco Portal LLC, and such terms and conditions can be amended at any time without prior notice. And your continued use of such application shall mean your acceptance of such changes, and your adherence to all applicable rules and regulations. Articles stated in this application are protected by law, for example without limitation to UAE copyrights and international treaties. 

Using the Application 

By using this application, you acknowledge being at least 18 years old. 

All contents of this application, such as texts, graphs, photos, images, pictograms, trademarks, trade names, service marks, notices, and information as well as the other articles are legally covered by UAE laws. Furthermore. Such contents remain the property of Insurco Portal LLC, and any use of the contents is not expressly authorized by these terms and conditions and shall represent a breach to such terms and conditions, and a violation to copyrights, to the trade marks laws, and to other laws. Except as stated therewith, and special rules regulating the use of other articles of the application might be listed elsewhere in the application, and was mentioned by way of reference in such terms and conditions. In the event of damage to the application or the use of malicious programs that negatively affect the performance of the application or any other actions that do not comply with the principle of good faith, the permission granted to you to use the contents automatically ends, and you must immediately destroy any copies you've obtained regarding any part of the content. 

You cannot use the application for any purposes that are illegal or prohibited by these terms and conditions. You also cannot use the application in any way that may harm, disrupt, burden or damage the application, or in any way that conflicts with any other party's use and enjoyment of the application. You cannot try to gain unauthorized access to the application through illegal hacking, password extraction, or any other means. 

Insurco Portal LLC , in its absolute discretion, reserves the right to terminate your access to the application or any part of it at any time for any reason and without any justification whatsoever and without prior notice or any other notice. 

Providing Insights 

Insurco Portal LLC is pleased to listen to its users and also welcomes your comments regarding the application and our services. Also, our company policy since its establishment allows us to accept or take creative ideas, proposals, or materials into consideration if they are consistent with the purpose of the application and accepted by us. Please send any remarks or constructive thoughts to enhance the application. If at our request, you sent specific proposals or, contrary to our request, or proposals, ideas, notes, blueprints, creative visualizations, or other information (hereinafter collectively referred to as "Proposals Submitted"), Insurco Portal LLC shall automatically provide a permanent license unlimited to the property rights, irrevocable, and non-exclusive, including any place in the world that authorizes the use of such proposals submitted. The use of such proposals submitted includes re-copy of the same and creation of works derived therefrom, amendment, publication, execution, translation, distribution, the proposal of the same by any tools, media, or in any form, formula, or forum that is currently known or under development in the future, and this shall not constitute a comprehensive list of the powers. Insurco Portal LLC may treat these submitted proposals as non-confidential information, and it shall not bear any legal responsibility for the use or disclosure of any proposals submitted. Insurco Portal LLC, without limitation to the foregoing, has the right to use these submitted proposals without any condition or restriction for any purpose, whether commercial or otherwise, without compensation or obligation towards the proposer of those proposals submitted.

User's Correspondences 

The information submitted by Insurco Portal LLC is subject to our privacy policy, and in the event of any contradiction between such terms and conditions and the said privacy policy, our privacy policy shall prevail. 

With the exception of what is stated under the provision of ideas (above), Insurco Portal LLC does not claim ownership of any of the texts and other content that you send to Insurco Portal LLC using the social media tools that we provide to you (each referred to as "correspondence"). To clarify, one of the differences between correspondence and the other information you provide to us is that once a correspondence has been sent, it becomes immediately available to others. Examples include email, phone number, and any other data related to user access to specific insurance contracts that they are looking for. 

You accept not to conduct any correspondence containing any defamatory, slanderous, inflammatory, discriminatory, defamatory, misleading, threatening, vulgar, obscene, pornographic, profane, abusive, offensive, or invasive content; Or any content that advocates hatred or defamation or targets any gender, race, color, sexual orientation, ethnic origin, religious viewpoints, or disability; Or any content that violates local, federal, national, or international laws, or breaches or violates any right of any party whatsoever. In addition, you agree to: 

(a) Non- conduction of any correspondences that include any advertising or promotion of any works or companies. 

(b) Not to disrupt the normal course of dialogue or to conduct any correspondence that is not relevant to the topic under discussion (unless it is clear that the debate is of a free method); 

(c) Not to publish any serial or chain letters or hierarchal fraud plans, or impersonate someone else.

(d) Not to spread viruses or harmful programs to others. 

(e) Non-collection of information about others, including E-mail addresses, without their consent. 

(f) Non- participation of any attitude that restricts or prevents others from using or enjoying the application, or any acts that might expose us or the licensor, to any liability or damage of any kind. 

By conducting any correspondence, you agree that the same is non-private and is not a registered property. And in the event you conducted any correspondence, you automatically grant or guarantee that the owner of its contents has explicitly granted a permanent license, not restricted by property rights, irrevocable, non-exclusive and includes in place in the world, and he/she may use the correspondence or create works derived therefrom, re-copy, amend, publish, execute, translate, distribute, or propose the same by any tools, media, in any form, formula or any forum that is currently known or is under development in the future. Notwithstanding, the aforementioned, 

Insurco Portal LLC is not obligated to use any correspondence. 

You shall be solely responsible of your correspondences and the consequences of making any correspondence and your reliance on the same. And we shall not be held responsible for withholding or monitoring the correspondences sent by the users of this application. And in the event any user notified Insurco Portal LLC about the intentional breach of any correspondence to these terms of conditions, it shall have the right to investigate such allege and make a decision to its absolute discretion and in good faith, as to whether this correspondence should be deleted. And Insurco Portal LLC shall not bear any responsibility or any legal responsibility against the users for the implementation or non-implementation of such activities. 

Insurco Portal LLC shall reserve its right to (but it doesn’t have to ): 

(a) Record conversations on the application, 

(b) investigate any allege concerned with the non-adherence of such correspondences to these terms and conditions, and to determine whether it should be deleted or request the deletion thereof as per its absolute discretion, 

(c) deletion of the abusive or illegal correspondences or boycotting the subject of the dialogue, outdated, or other correspondences that don’t comply to such terms and conditions, 

(d) terminate the access of any user to any or all parts of the application in the event of a breach of such terms and conditions, 

(e) monitoring of any correspondence, amendment or disclosure thereof, or 

(f) amendment or deletion of any correspondence published on the application, notwithstanding, whether such correspondence constitutes a breach to such terms and conditions or not. 

Promotional Offers 

All or any of the promotional offers advertised on this application shall be considered void once banned, and it shall be subject to the publication of any official rules regulating such offers or promotional offers. 

Terms of Mobile's Application 

The following provisions shall apply to the users of Insurco Portal LLC's mobile application (each hereinafter referred to as "The Application"), and neither Apple nor Google bear any responsibility for our application. 

Apple Application Users 

By downloading and/or use of our app. On iPhone or iPad devices, you acknowledge, being the app.'s end-user, that such agreement has been concluded by and between you and Insurco Portal LLC and not by and between Apple, Inc. and that the latter is not responsible of the app. and/or its contents. Notwithstanding, the previously mentioned, you acknowledge that Apple, Inc. and its subsidiaries are third-party beneficiaries of this agreement with Insurco Portal LLC and that Apple, Inc. has the right to enforce these terms and conditions (and is considered that it has agreed to such right). You acknowledge that Apple, Inc. has no obligation whatsoever to maintain or support the application. You also acknowledge that you have read the terms and conditions of the App Store (you can visit it via the following link: http://www.apple.com/legal/itunes/us/terms.html#APPS ). 

It also includes the terms and conditions of Insurco Portal LLC, by way of reference to the End User License Agreement for the Licensed Application Apple, Inc published by Apple, Inc.. You can visit it via the following link: HTTP: http://www.apple.com/legal/itunes/appstore/dev/stdeula/). 

For the purposes of these terms and conditions, the application is a “licensed application” as defined in the end-user license agreement for the licensed application Apple, Inc , while Insurco Portal LLC is the “application provider” As defined in the End User License Agreement for the Licensed Application Apple, Inc. These terms and conditions shall prevail in the event any of them conflict with the terms of the End User License Agreement for the licensed application Apple, Inc. 

Android Application Users In the event that you download and / or use our applications from the Google play store: You acknowledge, as the end user of the application, that Insurco Portal LLC, not Google Inc., is the one that grants you the right to install and use each application. You also acknowledge that Google has no obligation of any kind to maintain or support the application. You also acknowledge that you have read the terms of service for Google play ( hereinafter referred to as the "Terms"), (you can visit it via the following link: http://play.google.com/intl/en_us/about/play-terms.html), and that it has been mentioned in Terms and conditions of the agreement concluded between you and Insurco Portal LLC mention these "conditions" by way of reference. These terms and conditions shall prevail in the event that any of them conflict with the "Terms". 

You are not entitled to use the application or, otherwise, export or re-export it, except in cases permitted by UAE law. 

For example without limitation to, exporting or re-exporting of the same, by using this application you agree that you will not use the application for any purposes prohibited by UAE law. 

Insurco Portal LLC Liability 

Use of the application or the contents is at your own risk. The content in this application may include technical inaccuracies and typographical errors, including but not limited to inaccuracies regarding the rates, fees, or availability applicable to your transaction. Insurco Portal LLC does not bear any liability or legal liability for such errors, inaccuracies or omissions, nor does it bear any obligation towards information affected by these errors, inaccuracies or omissions. Insurco Portal LLC may make changes, corrections, cancellations, and / or improvements at any time. 

The content in this application is provided "as is" and without warranties of any kind, whether expressively or implicitly, and to the maximum extent permitted under applicable law, Insurco Portal LLC disclaims all responsibility for marketing or Fitness for a specific purpose. It also does not guarantee that the functions contained in the application will be continuous or error-free, that deficiencies will be corrected, or that this application or the server that provides it is free of viruses or other harmful components. Insurco Portal LLC does not warrant or make any representations regarding the use of the contents in this application or the consequences of using it in terms of its correctness, accuracy, reliability, or otherwise. The above exclusion may not apply to you, to the extent that applicable law does not permit the exclusion of implied warranties. You agree that your use of the application is at your own risk. 

Insurco Portal LLC does not bear any liability, whether contractual or default, for any direct, indirect, special, consequential or disciplinary damages, including (without limitation to) damages resulting from losses in expected profits or revenues or any other economic losses arising out of or as a result of any act or default on the part of Insurco Portal LLC, its agents, its partners in its joint ventures, or other non-affiliated parties as a result of any failure to fulfill These terms and conditions and our privacy policy, or any behavior that violates them. The above limitation or exclusion may not apply to you to the extent that applicable law does not permit the limitation or exclusion of liability for incidental or consequential damages. In any case, Insurco Portal LLC does not bear full responsibility towards you for all losses, damages, and causes of the lawsuit, or otherwise, the total liability value will not exceed the amount you paid to access the application. You hereby waive any and all claims, lawsuits, or rights that allow you to submit those claims or lawsuits arising from the application, the correspondences, these terms, and conditions, or what pertains to them after one (1) year from the first time of the occurrence of that type of The lawsuits, events, circumstances, or omissions upon which the claim or lawsuit is based. 

If you download and / or use our application on an iPhone or iPad: You also acknowledge and agree that Apple is not responsible for any claims related to the application (including, but not limited to, a claim by a third party that the application violates Third-party intellectual property rights) or your use or possession of the app, including but not limited to: 

(1) Product liability claims; 

(2) any claim that the app fails to comply with any applicable legal or regulatory requirements; And 

(3) claims arising under consumer protection or similar legislation. You further acknowledge and agree, to the maximum extent permitted under applicable law, that Apple, Inc. You will not be liable for any warranty obligation of any nature regarding the application. 

Your Account 

Upon using this application, you'll be responsible for maintaining the confidentiality of your account, your password, as well as restricting the access of your own device, or your own mobile phone. You agree to accept the responsibility of all the activities being implemented through your account or your own password. Insurco Portal LLC shall reserve its right in rejecting the service, close the accounts, remove the contents , amendment thereof , or cancellation of the requests and orders upon its absolute discretion. 


You hereby agree to defend Insurco Portal LLC,, its officers, directors, employees, agents, licensors, and its partners, indemnify them and pay damages for them during and against any claims, claims, demands, obligations or settlements of any This includes, without limitation to, accounting expenses and reasonable legal fees arising or allegedly arising from your violation of these terms and conditions. 

General Provisions 

Access to the contents may be illegal in certain countries or by certain people. When you enter the application, you do so at your own risk and you are also responsible for compliance with the laws of the United Arab Emirates. The following provisions remain in effect after the expiration or termination of these terms and conditions for any reason whatsoever: Insurco Portal LLC, usage restrictions, ideas submitted, user correspondence, compensation, applicable laws and the full agreement. 

Valid Rules 

These terms and conditions are governed by the laws of the United Arab Emirates, regardless of its conflict with any other country's laws. You and Insurco Portal LLC hereby expressly acknowledge your acceptance and resort to the exclusive jurisdiction of Dubai courts in the United Arab Emirates ,to decide or settle any claim, lawsuit or dispute arising from these terms and conditions. In the event that any court of jurisdiction deems the nullity of any of these terms and conditions, the invalidity of this provision will not affect the validity of the remaining provisions of these terms and conditions, and will remain in full force and effect. Any waiver of any of these terms and conditions will not be considered a continuous or additional waiver of that provision or condition or any other provision or condition. 

Notification and Codification Procedures 

If you believe that any correspondence, ideas submitted, or other materials that can be accessed or through the application that violates your copyright, then you may request that these materials be removed (or access to them) removed from this application by contacting Insurco Portal LLC (at the address specified below) and provide the following information: 

1. Define the copyrighted work that you believe has been infringed. Please describe the work and include a copy of a licensed version of the work or website address of the same. 

2.A definition of the submitted proposal that you believe is violating and its address. Please describe the submitted proposal and provide us with its URL or any other relevant information that allows us to locate the submitted proposal. 

3.Your name, address, telephone no., or email address (if possible). 

4. A statement stating that you have a good faith belief that the complained use of the work, is neither authorized by the copyright owner, his agent, nor the law. 

5. A statement confirming that the information you have provided is accurate and indicating that you are the copyright owner of the work or its authorized representative. 

6. The original signature of the copyright holder or his authorized representative. 

As part of its efforts to protect the rights of copyright owners, Insurco Portal LLC maintains a policy to terminate access, in appropriate circumstances, to users of this application who are repeatedly infringing. 

The Entire Agreement 

Except as expressly stated in a dedicated notice or disclaimer notice published by Insurco Portal LLC or on its behalf on this application, these terms and conditions, including our Privacy Policy, constitute the entire agreement between you and Insurco Portal LLC. LLC regarding the use of the application and the contents thereof. 

Insurco application: It is an electronic platform that brings brokerage companies together with the client through several means such as (e-mail - phone call - communication through social media sites), so that the customer gets the best offers and services, and it is a platform that does not have the right to issue any insurance certificates to clients. 

1. Insurco service provides its customers with the best prices and offers through a group of brokerage companies for insurance services registered and authorized with the Insurance Authority in the United Arab Emirates. The Insurco application does not provide any insurance transactions, but its role is limited to price comparison only. 

2. Insurco has the rights to make any changes to the program mechanism, members ’benefits, or the application’s terms and conditions, with or without prior notice. 

3. The confidentiality of personal information is important to us, and Insurco application does not collect and store any personal information about people who visit the application, with the exception of voluntary information such as the e-mail address or data in the customer register. 

4. When you use Insurco application services or send an e-mail message to us, you are communicating with us electronically, and we will communicate with you electronically through the available means or via voice communication, as you agree to all agreements, notifications and other correspondences. 

5. All the contents included in the Insurco app (such as text, graphics, logos, symbols, pictures, audio clips, digital downloads, or data components) are the property of the Insurco app or its content providers, and are protected by local laws, copyright international laws, copyright and Databases' rights. 

6. You may need to use your Insurco account in order to use certain Insurco services. 

7. We reserve the right to refuse to grant the service, close accounts, or delete or edit content if you violate the applicable laws, these terms of use, or any other applicable terms and conditions, guidelines, or policies. 

8. Insurco application is not responsible in the event of any dispute between the two parties (the client and the brokerage firm) in any of the insurance procedures, and the responsible authority in the United Arab Emirates is referred to. 

9. In Insurco app, we are doing our best to ensure the uninterrupted availability of services. However, due to the nature of the Internet, this cannot be fully guaranteed. In addition, your access to Insurco services may be suspended or banned from time to time to allow for some repairs or maintenance or the introduction of new facilities or services. However, we will work to reduce the frequency and duration of that suspension or ban. 

10. These conditions have been considered by Insurance Authority in United Arab Emirates. 

11. When you use the Insurco application, you may also be using the services of one or more third parties, such as wireless communication companies or mobile platform providers. Your use of these third-party services may be subject to the policies or terms of use, imposed by these third parties. 

12. All the brokers contracting with Insurco are authorized by the Insurance Authority in the United Arab Emirates. 

13. The client is responsible of the information provided by him/her to the broker companies in the Insurco app. or in the electronic app. 

14. If you use one of the application services or the electronic application, you acknowledge that you are at least 18 years old, and you must provide correct and accurate information (including name, ID / Residency number, date of birth, email address, and mobile phone number, some vehicle information (form/customs card, a valid driving license for use in the state and other details) as required. As stipulated by the laws. 

15. We reserve our right in rejecting the service, close accounts, and cancellation the requests as per our discretion. 

16. "Send" is the stage that determines the final details of your request, then, a message will be sent to you via the available media, confirming the operation and the request no. 

17.Any payment operation, shall occur by and between the customer and the brokers' companies, with no liability on our part regarding the same.

I hereby declare that the details furnished above are true and correct and I undertake to inform you of any changes therein, immediately. In case any of the above information is found to be false or untrue or misleading or misrepresenting, I am aware that I will be held liable for it.

I hereby confirm to that the information contained in this form and any attachment hereto is true. I will inform Insurco and Al Redha Insurance Brokers LLC in of any subsequent changes to the information provided herein/attached hereto.