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I@O Terms & Conditions

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Your access to and use of the entire contents of the Website under the domain name and to any correspondence by e-mail &/or such social media used exclusively by the website to interact only between you and us is subject exclusively to these Terms and Conditions. You will not use the Website for any purpose that is unlawful or prohibited by these Terms and Conditions. By using the Website you are fully accepting the terms, conditions and disclaimers contained in this notice. If you do not accept these Terms and Conditions you must immediately stop using the Website.
This notice is issued by Gulf Oasis Insurance Brokers LLC &/or its affiliates (the ""). On this Website, the Company provides users with access to information primarily about types of insurance, components of insurance, including details about insurance products and services regarding general Insurance, health insurance, life insurance products (the "Service"). You are responsible for obtaining access to the Website, and that access may involve third-party fees (such as Internet service provider or airtime charges). In addition, you must provide and are responsible for all equipment necessary to access the Website. 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 agree that the Company reserves the right to make your details available to its affiliates and partners and you may be contacted by the affiliates and partners for information and for sales through email, telephone and/or messages. You agree to receive promotional materials and/or special offers from the Company and its affiliates through email or messages.
Currently United Arab Emirates is our country of domicile.
Minors under the age of 18 shall 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 credit / debit card in AED (or any other agreed currencies).
You may access some general areas of the Website without registering your details with us.
By accessing any part of the Website, you shall be deemed to have accepted this legal notice in full. If you do not accept this legal notice in full, you must leave the Website immediately.
The Company may revise this legal notice at any time by updating this posting. You should check the Website from time to time to review the then current legal notice, because it is binding on you. Certain provisions of this legal notice may be superseded by expressly designated legal notices or terms located on particular pages at the Website.
When you register as a member of the Site you have been or will be required to provide certain information and register a username and password for use on this Site.
On becoming a member of the Site, you agree:
You are responsible for maintaining the confidentiality of, and restricting access to and use of, your account and password, and accept responsibility for all activities that occur under your account and password. You agree to immediately notify the Company of any unauthorized use of your password or account or any other breach of security. In no event will the Company be liable for any direct, indirect or consequential loss or damage whatsoever resulting from the disclosure of your username and/or password. You may not use another person's account at any time, without the express permission of the account holder. You agree to reimburse the Company for any improper, unauthorized or illegal use of your account by you or by any person obtaining access to the Site, services or otherwise by using your designated username and password, whether or not you authorized such access.
You will provide true, accurate, current and complete information about yourself as prompted by the Company’s registration form (the "Registration Data").
You will maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete or if the Company has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with this User Agreement, without prejudice to any other rights and remedies of the Company under this User Agreement or at law, the Company has the right to indefinitely suspend, limit or withdraw your access to the Site and/or your membership of the Site.
We also reserve the right to cancel unconfirmed / unverified accounts or accounts that have been inactive for a long time.
You are permitted to print and download extracts of the policies purchased &/or such other documentary evidence &/or information provided by you from the Website for your own use on the following basis:
(a) the downloaded data from the Website are not modified in any way; and (b) the Company’s copyright and trade mark notices and this permission notice appear in all copies.
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 suppliers &/or its licensors. For the purposes of this legal notice, any use of extracts from the Website other than in accordance with for any purpose is prohibited. If you breach any of the terms in this legal notice, your permission to use the Website automatically terminates and you must immediately destroy any downloaded or printed extracts from the Websites. Further any breach of license, you agree that you will be subject legal proceedings initiated by the suppliers &/or licensors either directly or jointly with us and should the suppliers &/or licensors holds us responsible jointly with you, such proceedings shall be solely defended by the user on his/her behalf and also the website. During such legal proceedings, the user &/or his/her legal counsel shall protect the rights and interests of the website at all times and the user shall honor any judgement issued by the competent courts against the user &/or the website. Further should the website initiate to defend itself &/or on behalf of the user either singly or jointly all such legal expenses shall be on the account of the user.
You can access and review your personal information in the Site. If your personal information changes in any way or is incorrectly presented on the Site you should immediately update or correct your personal information (as applicable) by accessing the section on the Site or, alternatively, by contacting our customer support team.
Please note that we shall retain your personal information during and following the end of your use of the Site as required to comply with law, for technical troubleshooting requirements, to prevent fraud, to assist in any legal investigations and to take any other actions otherwise permitted by law.
Any rights not expressly granted in these terms are reserved
Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to the Website shall be considered non-confidential and non-proprietary. The Website shall have no obligations with respect to such material. The Website and its designees shall be free to copy, disclose, distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes.
You are prohibited from posting or transmitting to or from the Website any material:
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 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)that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or f)for which you have not obtained all necessary licences and/or approvals; or g)which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or h)which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). i)The user may not attempt to gain unauthorised access to the server, other accounts, computer systems or network connected to the website through hacking, password mining, screen scrapping, robotic process automation &/or any other means.
We 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 the policy.
Third party websites available on the Website are provided solely for your convenience and the usage of the same, leave you from the Website. The Company is not responsible for these websites, 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, you do so entirely at your own risk.
If you would like to link to the Website, you may only do so on the basis that you link to, but do not replicate, the home page of the Website, and subject to the following conditions:
a)you do not remove, distort or otherwise alter the size or appearance of our logo; b)you do not in any way imply that the Website is endorsing any products or services other than its own; c)you do not misrepresent your relationship with the Company nor present any other false information about the Company; d)you do not otherwise use any trade marks displayed on the Website without express written permission from the Company; e)you do not link from a website that is not owned by you; and f)your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. g)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.
Refer our detailed disclaimer policy.
1.The Website has been provided by the Company for specific transactional 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 insurance 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 & insurance products. The information contained in this Website was made available by insurers, reinsurers and other financial institutions.
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 .
3.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 States’ Office of Foreign Assets Control (OFAC).
Any dispute or claim arising out of or in connection with the Website shall be governed by and construed in accordance with the laws of the United Arab Emirates, and the courts of the United Arab Emirates shall have exclusive jurisdiction in this respect.
Refer our detailed refund policy

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