Al Fujairah National Insurance Company who is the owner of the website www.afnic.ae will be referred to as “AFNIC” or “Owner” throughout the website.

INFORMATION FOR FOREIGN VISITORS

This web site is operated and maintained in the United Arab Emirates and intended to be made available only to persons residing in United Arab Emirates and therefore published from a UAE perspective. AFNIC is not publishing the web site for use in any jurisdiction where such publication or use is unlawful.

By entering this Site, www.afnic.ae, you agree to be legally bound by these Terms and Conditions, which shall take effect immediately on your first use of the Site. You can continue to use the website if you agree to be legally bound by these Terms and Conditions.

The Owner of this website may update, amend or add new pages and services and may change these Terms and Conditions at any time by the posting changes online. Please review these Terms and Conditions regularly to ensure you are aware of all changes made thereto. Your continued use of the Site after changes are posted means that you agree to be legally bound by these Terms and Conditions as updated or amended.

NO INVESTMENT RECOMMENDATIONS OR PROFESSIONAL ADVICE

The published website is not intended to provide any financial investment advice, or it is not recommending any offer to buy anything, unless otherwise specified. You alone are solely responsible for taking any decision to buy or upgrade any product or service, which you feel it is appropriate or suitable for you based on your objectives and personal and financial situation.

Limitation of liability

Disclaimers and Limitation of Liability

The Site content, including the information, names, images, pictures, logos and icons regarding or relating to the Owner, its products and/or services (or to third party products and services), is provided "AS IS" and on an "IS AVAILABLE" basis without any representations.

Under no circumstances will the Owner and its directors, employees, agents and contractors be liable for any damages and/or losses and/or other claims (whether the same were foreseen, foreseeable, known or otherwise) arising out of or in connection with the use or performance of the Site or the content available or referred to on the Site or on any other site that you may access through the Site, even if advised of the possibility of such damages, including without limitation such as:-

Loss of data, loss of revenue or anticipated profits, loss of business, loss of opportunity, loss of goodwill or injury to reputation/defamation, losses suffered by third parties, or any indirect, consequential, special, incidental or exemplary damages.

This includes failure of electronic or mechanical equipment or communications lines (including telephone, cable and Internet, payment gateways), unauthorized access, viruses, theft, operator errors, severe or extraordinary weather (including flood, earthquake, or other act of God), fire, war, insurrection, terrorist act, riot, labour dispute or other labour problems, accident, emergency, Royal demise or action of government.

COPYRIGHT AND RESTRICTIONS ON USE OF CONTENT

AFNIC provides the information on this Site to anyone but we retain copyright on content of the website.

You acknowledge, having been advised by AFNIC, that the Content is protected in the UAE by a variety of laws, including but not limited to, copyright laws, trademark laws and other proprietary rights laws.

It is granted to temporarily download the materials published in the website (forms) for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Alter any content or copy the materials for using for some other purpose mentioned.

• Use the materials for any commercial purpose, or for any public display including commercial or non-commercial purpose

• Attempt to copy the logic or any specific business strategy software/services contained in the website.

• Remove any copyright or other proprietary notations from the materials or transfer the materials to another individual/company or publish the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by AFNIC at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

Disclaimer

We have provided generalised information in our website.

The detail of each insurance cover is in brief format and is subject to the terms of the policy wording and schedules. You are advised to read the policy wording and schedules before proceeding to buy any product or service.

While every effort has been made to ensure accuracy of the information contained in the AFNIC Site, no liability is accepted by AFNIC for any errors.

Limitation on Scope of Content

The Products described in this Site contain uniquely UAE specifications and are offered for sale in the UAE. The promotional programs if any described in this site are available only in the UAE or those Emirates as specifically referred to within the description of the program. The price information contained in or provided through the Site is for information purposes only and does not constitute any offer to sell the products concerned unless it is specified and in the form of a quotation.

The “(Website) will NOT deal or provide any services or products to any of OFAC (Office of Foreign Assets Control) sanctions countries in accordance with the law of UAE”.

Indemnity

You agree to defend, indemnify and hold harmless the Owner from any and all liability, costs, claims, proceedings, demands, losses, damages, expenses, including without limitation, all attorneys' fees, which may be related to any violation of these Terms and Conditions by you or users of your account or in connection with the use of the Site or placement or transmission of any information or other materials on the Site by you or users of your account.

Access to Site

AFNIC may impose limits or restrictions on the use you may make of the AFNIC Site. Further, for security, technical, maintenance, legal or regulatory reasons, or due to any breach of these Terms, AFNIC may withdraw the Site at any time and without notice to you.

We will use reasonable efforts to make our site and its content available to users. However, we do not warrant or represent that access to this site will be uninterrupted, reliable or fault-free.

We reserve the right in our sole discretion to deny users access to our site or any part of it without notice and to decline to provide the service to any user that is in breach of these conditions. .

Prohibited Content/Use

You are prohibited from posting or transmitting to or from the Site any unlawful, threatening, libellous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other material that could give rise to any civil or criminal liability under the law. You agree (i) not to use the Site to upload or distribute in any way files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer; (ii) not to interfere or disrupt the Site or any networks connected to the Site; (iii) not to use any device, software or routine or attempt to interfere with the proper functioning of the Site or any transactions being offered at the Site (iv) not to use the Site to collect or export personal information, including, without limitation, financial information, about other participants at the Site; (v) not to use the services, products associated with the Site for illegal purposes, and (vi) to comply with all regulations, policies and procedures or networks connected to the Site.

Governing Laws/Use

These conditions shall be governed and construed in accordance with United Arab Emirates law and any disputes shall fall within the exclusive jurisdiction of the UAE Courts. If any provision of these disclaimers and exclusions shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

Third Party Links

Links available on the Site will allow you to link to websites not maintained or controlled by the Owner. The Owner provides these links for your convenience and is not responsible for the contents of any linked websites. The Owner cannot and does not warrant the accuracy, completeness, non-infringement, merchantability or fitness for a particular purpose of any information available through these links and makes no representation or endorsement whatsoever about any other website which you may access through the Site. It is your responsibility to ensure that any website you choose to use is free of potentially destructive items such as viruses.

Force Majeure

We shall not be liable to users for any breach of these conditions of use or any failure to provide or delay in providing our services through our site resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire explosion, accident, insurrection or war.