Legal And Admin Policies
ATTENTION: These website terms applies to the entire contents of the Website under the domain name www.policybazaar.ae and www.policybazaarinsurance.ae (collectively “Website”) and to any correspondence by any mode of communication between us and you. Please read these terms carefully before using the Website. Using the Website indicates that you accept these terms regardless of whether or not you choose to register with us. If you do not agree to the terms and conditions, please stop using this Website immediately. This notice is issued by PB Fintech FZ LLC (the "Company").
On this Website, the Company provides users with access to banking and insurance related products and services, including but not limited to car insurance, health insurance, life insurance, credit card score, credit card facilities, loan facilities (the "Service"). By making use of this site, and furnishing your personal / contact details, you hereby agree that you are interested in availing and purchasing the Service(s) that you have selected. You hereby agree that the Company may contact you either electronically or through phone, to understand your interest in the selected products and Service(s) (like renewals, reminders etc.) and to fulfill your demand. You also authorize policybazaar.ae and www.policybazaarinsurance.ae to contact you on the WhatsApp number. You also agree that this consent would override your registration towards Do Not Connect Register provided to Telecommunications and Digital Government Regulatory Authority (TDRA). You also agree that the Company reserves the right to make your personal details available to its affiliates and partners who need to know to perform the services selected by you and you may be contacted by the affiliates and partners for information and for sales through email, telephone and/or sms. By providing us with your personal details, you voluntarily agree to receive promotional materials, special offers, direct requests for call-backs, enquiries etc, from the Company and its affiliates through email or sms.
Minors under the age of 18 are prohibited to register as a user of this website and are not allowed to transact or use the website.
If you make a payment for our products or services on our 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 accept payments online using Visa and MasterCard credit/debit card in AED.
policybazaar.ae and www.policybazaarinsurance.ae will NOT deal or provide any services or products to any of United Nations and Local Terrorist List sanctions countries in accordance with the Anti Money Laundering laws of UAE.
- 1.1
You may access most areas of the Website without registering your details with us. Certain areas of the Website are only open to you if you register. This Privacy Policy applies to current and former visitors to our Website and our customers.
- 1.2
By visiting this Website, you shall be deemed to have accepted the terms governing the Website in full. If you do not accept these website terms in full, you must leave the Website immediately.
- 1.3
The Company reserves the right to change the Website terms from time to time, at its sole discretion. You should periodically check the Website to review the prevailing terms , since the current terms stand binding on you.
- 2.1
Unless otherwise stated, the copyright and other intellectual property rights in all material on the Website (including without limitation photographs and graphical images) are owned by the Company or its licensors. For the purposes of these Website terms, any use of extracts from the Website for any purpose is prohibited by the user.
- 2.2
By using the Website you agree not to:
- a)
Use this Website or its contents for any commercial purpose;
- b)
Make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand;
- c)
Access, monitor or copy any content or information of this Website using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission;
- d)
Violate the restrictions in any robot exclusion headers on this Website or bypass or circumvent other measures employed to prevent or limit access to this Website;
- e)
Take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on
- f)
Deep-link to any portion of this Website (including, without limitation, the purchase path for any service) for any purpose without our express written permission;
- g)
"frame", "mirror" or otherwise incorporate any part of this Site into any other website
- a)
- 2.3
Any rights not expressly granted in these terms are reserved.
- 3.1
While the Company endeavours to ensure that the Website is normally available 24 hours a day, the Company shall not be liable if for any reason the Website is unavailable at any time or for any period.
- 3.2
Access to the Website may be suspended temporarily and without notice and any liability to the user in the case of system failure, maintenance or repair or for reasons beyond the Company’s control.
- 4.1
In consideration of your use of the Website, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of UAE or other applicable jurisdiction and will only use the Website for legitimate purposes for you or for another person for whom you are legally authorized to act.
- 4.2
You may not misuse the Website (including, without limitation, by hacking).
- 4.3
The Company shall fully co-operate with any law enforcement authorities or court order requesting or directing the Company to disclose the identity or locate anyone posting any material in breach of clause 4.1, clause 4.2 or clause 4.3.
- 5.1
links to third party websites on the Website are provided solely for your convenience. If you use these links, you leave our Website. The Company has not reviewed these third party websites and does not control and is not responsible for these websites or their content or availability. The Company therefore does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the third party websites linked to the Website, you do so entirely at your own risk. These affiliated sites may have different privacy practices and we encourage you to read their privacy policies of these website when you visit them.
- 5.2
The Company expressly reserves the right to revoke the right granted in for breach of these terms and to take any action it deems appropriate.
- 5.3
You shall fully indemnify the Company for any loss or damage suffered by the Company or any of its group companies for breach of these Terms and Conditions.
- 6.1
The content on the Website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content of this Website. While the Company makes reasonable efforts to update the information on the Website, the Company make no representations, warranties or guarantees, whether express or implied, that the content of this Website is accurate, complete or up to date. The Company may make changes to the material on the Website, or to the products and prices described in it, at any time without notice. The material on the Website may be out of date, and the Company makes no commitment to update such material.
- 6.2
The material on the Website is provided “as is”, without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, the Company provides you with the Website on the basis that the Company excludes disclaims all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement, which, but for this legal notice, might have effect in relation to the Website.
- 7.1
The Website has been provided by the Company for informational purposes only. The content of this Website is not intended to constitute and should not be construed as investment and/or financial advice or a personal recommendation to buy and/or to sell any investment and/or financial products and should not be relied upon in evaluating the merits of entering into any of the financial and/or investment products. The information contained in this Website is public and was obtained from printed material, websites and other sources made available by insurers, reinsurers and other financial institutions.
- 7.2
The Company, any other party (whether or not involved in creating, producing, maintaining or delivering the Website), and any of the Company’s group companies and the officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with the Website in any way or in connection with the use, inability to use or the results of use of the Website, any website linked to the Website or the material on such website, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Website or your downloading of any material from the Website or any website linked to the Website .
- 7.3
If your use of material on the Website results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.
- 7.4
This Website will NOT deal with or provide any services or products to jurisdictions or persons subject to national or international sanctions programs, including without limitation jurisdictions or persons prohibited by the United Nations and Local Terrorist List as mentioned under the Anti Money Laundering guidelines applicable in the UAE.
The terms of this Website shall be governed by and construed in accordance with the laws of United Arab Emirates. Disputes arising in connection with these terms shall be subject to the exclusive jurisdiction of the United Arab Emirates Courts.
Refunds if allowed under applicable laws, will be done only through the Original Mode of Payment. In the event that transaction error has occurred while making the payment, a refund in most cases will be issued to the same credit card you used for the original purchase.
Policybazaar.ae and www.policybazaarinsurance.ae collects your information when you register for an account, when you use its products or services, visit its Website's pages or when an employer organization shares its employee information. When you register with Policybazaar.ae and/or www.policybazaarinsurance.ae, you are asked for submitting certain information which may be personal to you such as first name, last name, state and city of residence, email address, mobile number, date of birth, financial, know your customer and medical records etc. Once you register at the Website and sign in you are not anonymous to us. Also, you are asked for your contact number during registration and may be sent SMSs, notifications about our services to your wireless device. Hence, by registering you authorize Policybazaar.ae and/or www.policybazaarinsurance.ae to send texts and email alerts to you with your login details and any other service requirements, including promotional mails and SMSs.
Respond to queries or requests submitted by you.
Process orders or applications submitted by you.
Administer or otherwise carry out our obligations in relation to any agreement with our authorized business partners in connection with our business operations and functions for the purpose of insurance solicitation, providing pre/post sale services, claims servicing and providing you any other services as permissible under applicable laws or any other insurance related purposes.
Anticipate and resolve problems with any services supplied to you.
Offer group insurance cover and wellness corner offerings / health and wellness related information to your employer organization.
To send you information about promotions or offers from Insurance Companies/Banks/Credit Rating Agencies to the extent permissible under applicable laws. We might also tell you about new features or products.
To make our website and the services offered better. We may combine information we get from you with information about you we get from our business partners or third parties as permissible under applicable laws.
To send you notices, communications, offer alerts relevant to your use of the services offered on this Website.
Third parties and outsourced entities for the reasons consistent with the purposes for which the information was collected and/or other purposes as per applicable law.
Where we need to comply with a legal obligation as per applicable legal and regulatory framework.
As otherwise provided in this Privacy Policy.
All content featured on the Website and in any newsletters, postings or mailings are subject to this disclaimer. Any listings/information are not meant as a recommendation of a particular insurer/provider; listings are displayed randomly based on publicly available information.
www.policybazaar.ae and www.policybazaarinsurance.ae intends to provide clear and unbiased information about insurance and other financial products and services respectively as per their line of business. The information and data are generic in nature. Our efforts are to offer unbiased, accurate and responsible data to the best of our ability. We are however, in no manner or form responsible for any discrepancies in the data published on our website. There is no intention or purpose of violating any intellectual property or ancillary rights. All information provided on the Website is subject to it’s discretion and is likely to change without any notice. Though, any changes in public utility will be communicated on our portal.
Although we have tried to maintain high standards in quality, clarity and accuracy of the material posted on the Website we are not legally responsible for the same in any manner what so ever.
Employees, partners and associated staff of www.policybazaar.ae and www.policybazaarinsurance.ae are not accountable for any loss, harm or damage that occurs or may occur or arise from the usage of information from the portal. Customers are advised to use their own discretion in such matters.
It is important to understand that insurance is a subject matter of solicitation and market risks. It is the responsibility of the customer to understand the limitations of insurance policies and the risks involved, and under no circumstance, form or manner, do we take any liability in such cases. We also recommend you to please read the subject and offer documents carefully. The information provided on the portal is for financial and insurance purposes.
It is a mutual understanding between us and the customers that their association with the Website will be at the customer's sole discretion and risk.
Visitors to www.policybazaar.ae and every third party are hereby informed that www.policybazaar.ae is not licensed by the Central Bank of the United Arab Emirates as an insurer or an intermediary. www.policybazaar.ae is a marketing website owned by PB Fintech FZ LLC with the purpose of information dissemination relating to financial services and products and is not set-up or intends to be involved in insurance sales and/or placement of risks in any manner. However, www.policybazaarinsurance.ae owned by Policybazaar Middle East Insurance Brokers LLC, a group company of PB Fintech FZ LLC is licensed as a Broker by the Central Bank of the UAE.
It is made abundantly clear that the Company, its directors, shareholders, officers and employees and www.policybazaar.ae and www.policybazaarinsurance.ae are in no way responsible to or liable for any one in respect of his/her investment decision, and every prospect/ investor/policyholder shall be solely responsible for the consequences of his/her decision.
In order to provide our services to you we need to disclose the information you entered into our Website to our Insurance Partners and other third party. This information is necessary to provide you with the quotations you have requested. All personal information will be held in strictest confidence and used only for the purposes of retrieving quotes, with certain caveats as described below. We may provide information you have entered in our website to our Insurance Partner(s) where they will process such information with the intention to market and promote their products.
We may also use your data to review and analyse market trends and to track sales data. Where you have come to our Website by clicking on a request for quote (or a button with similar functionality) on another site, we will supply information about the quotations you have obtained and any policies you obtain to that site.
When you submit information into our Website (or when you enquire about or purchase a product or service offered by our business via our contact center) we (including our affiliates and partners) collect your data and personal information including sensitive personal data such as health information and criminal proceedings or convictions (the “Personal Information”). You should be aware that without this Personal Information, we may not be able to provide you with the Services and/or products you are applying for.
We may use or disclose your Personal Information to: our businesses, our banking partners, our credit rating agencies, our Insurance Partners provider, Policybazaar Middle East Insurance Brokers (Dubai, UAE), professional advisers, service providers, our technology and service partners, payment systems operators and financial institutions. By proceeding with obtaining a quote you will approve your explicit consent to such Personal Information being processed in accordance with the provisions of this Privacy Policy.
It is very important to us that we provide a service that meets the expectations of our customers. In order to assist us in doing this, unless you tell us otherwise, we may use the information you supply to contact you by phone, e-mail, SMS or otherwise to tell you about products and services which may be of interest to you.
For example, these services could include the following:
(1) Newsletters; (2) New product launches; (4) Reminders about our services; (5) Future surveys/research.
We will provide your Personal Information to organisations authorized by us to conduct promotional, research or marketing activities.
Email- Opt out
If you are no longer interested in receiving e-mail announcements and other marketing information from us, please e-mail your request at: unsubscribe@policybazaar.ae. Please note that it may take about 10 days to process your request. However, please remember that by opting out, we will not be able to contact you about products or services that may benefit you.
Before you provide us with any information about other people, you must first get their permission. This applies to all information you provide about them, but especially to sensitive data such as health information or criminal proceedings or convictions. In submitting their details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used under the terms of this Privacy Statement.
We will endeavour to treat all your Personal Information as private and confidential. Other than under the terms of this Privacy Statement we will not disclose any of your information to anyone unless we are required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend our legal rights.
All credit/debit cards details and personally identifiable information will NOT be stored, sold, shared, rented or leased to any third parties.
www.policybazaar.ae and www.policybazaarinsurance.ae may amend this policy from time to time, at our discretion. If we make any substantial changes in the way we use your Personal information we will notify you by posting the changes here on these Privacy Policy.
We use cookies and other technologies such as pixel tags and clear gifs to store certain types of information each time you visit any page on our Website. Cookies enable this website to recognize the information you have consented to give to this website and help us determine what portions of this website are most appropriate for your professional needs.
We may also use cookies to serve advertising banners to you. These banners may be served by us or by a third party on our behalf. These cookies will not contain any personal information. Whether you want your web browser to accept cookies or not is up to you. If you haven't changed your computer's settings, most likely your browser already accepts cookies. If you choose to decline cookies, you may not be able to fully experience all features of the website. You can also delete your browser cookies or disable them entirely. But this may significantly impact your experience with our website and may make parts of our website non-functional or inaccessible. We recommend that you leave them turned on.
By agreeing to these Website terms, you hereby provide a formal mandate to PB Fintech FZ LLC and Policybazaar Middle East Insurance Brokers LLC to represent you to the insurer, banks, credit rating agencies and communicate the grant of a cover, card, loan etc subject to the insurers and banks policies and the governing applicable laws respectively. Such mandate shall be valid for a period of 18 months, unless otherwise agreed between PB Fintech FZ LLC, Policybazaar Middle East Insurance Brokers LLC and you.
Pl note: the banking services will only be provided by PB Fintech FZ LLC and are not provided by Policybazaar Middle East Insurance Brokers LLC.
