By accessing this web site (‘Website’), you are agreeing to be bound by these terms and conditions and all applicable laws and regulations, which you hereby represent and warrant to have read, understood and to be in agreement with in full. Additional terms of use may apply in accessing/using certain select features of the Website eg. initiating webchat, making payments etc. You will be required to read understand and agree in full to such additional terms of use before proceeding that particular module/section.

If you do not agree with any of these terms, you are prohibited from using or accessing any further this Website and you must immediately exit from the Website.

The contents of this web-site including, but not limited to the text, graphics, images, links and sounds are the property of Sukoon Insurance PJSC and is protected by copyright. Sukoon Insurance PJSC reserves all copyright, trademark, patent, intellectual and other property rights in the information contained in this site and/or any of Sukoon developed applications. Any unauthorized use or reproduction of the information, materials and proprietary rights contained in the Sukoon Insurance PJSC site is strictly prohibited. The information and materials on this site and the terms, conditions and descriptions that appear are subject to change without notice.

1. License

Permission is granted to temporarily access and download one copy of the relevant materials as available on the Website for your personal, non-commercial transitory viewing only. The materials contained in this Website are protected by applicable copyright and trademark law.

This is the grant of a license, not a transfer of title, and under this license you may not:

1. Modify or copy any materials;

2. Use the materials for any commercial purpose, or for any public display (commercial or non-commercial);

3. Attempt to decompile or reverse engineer any software/ feature/ link/ access contained or accessed through the Website;

4. Remove any copyright or other proprietary notations from the materials; or

5. Transfer the materials to another person or "mirror" the materials on any other server.

In the event you temporarily download any material from the Website for your own personal and non-commercial use then you agree to ensure that:

1. No documents or related graphics on such downloaded material are modified in any way;

2. No graphics, text etc. are used separately from the corresponding text/graphics; and

3. Sukoon's copyright and trade mark notices 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 Sukoon Insurance PJSC (hereinafter referred to as "Sukoon") or its licensors. For the purposes of these conditions of use, any use of extracts from the Website other than in accordance with these terms are for any purpose is prohibited.

If you breach any of the terms in these conditions of use, without prejudice to the rights and remedies available to Sukoon, your permission to use the Website automatically terminates and you must immediately destroy any and all downloaded or printed extracts from the Website.

No part of the Website may be accessed/reproduced or stored in any other website or included in any public or private electronic retrieval system or service without Sukoon's prior written permission.

You hereby acknowledge that you have not relied and will not rely upon any representation of fact or opinion contained on the Website.

Any data/report/ information on the Website about health/medical or healthcare is only for general information purposes and does not in any way constitute medical advice or a substitute for you to meet or seek medical advice / assistance. Sukoon shall not be liable for any circumstances arising from the use, misuse, interpretation or application of any such generic information posted on the Website.

You are hereby cautioned and advised not to use any information on the Website, whether in whole or in part, for the purposes of diagnosis or treatment or any kind of illness for any reason whatsoever and in all cases to seek professional medical opinion.

The information on this website is provided for general information only and should not be used as a basis for making business decisions or claims. Sukoon makes no warranties or representations as to the accuracy, adequacy or completeness of the information contained on the website. The information and materials on this website and the terms, conditions and descriptions that appear are subject to change without notice. Not all products or services described on the website are available in all geographical areas and you may not be eligible for some, or all the products and services described herein. You may not be eligible for all the products and services described. Eligibility for products and services will be at the discretion of Sukoon and subject to applicable criteria and terms and conditions of the Sukoon. Sukoon may withdraw, suspend or restrict any service or product listed on this website at its sole discretion.

Unless expressly acknowledged to the contrary by Sukoon, any data/ information/ material you transmit or post to the Website shall be considered non-confidential and non-proprietary. Sukoon shall have no obligations with respect to such material. Sukoon and its designees shall be free to copy, disclose, distribute, incorporate and otherwise use material such as data, images, sounds and text embodied therein for any and all commercial or non-commercial purposes. Any information or material submitted to Sukoon Insurance PJSC via this site or internet or through electronic mail is deemed the property of Sukoon Insurance PJSC. 

2. Disclaimer

The materials on Sukoon's website are provided "as is". Sukoon makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Sukoon does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its web site or otherwise relating to such materials or on any sites linked to this site.

Any product or service description on the Website is not intended to constitute offers to sell or solicitations in connection with such products or services. Sukoon does not represent or warrant that all of its products or services shall be available at all of its offices or all geographies, at all times.

While Sukoon endeavors to ensure that the Website is normally available 24 hours a day, Sukoon shall not be liable if for any reason the Website is unavailable at any time. Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair, or for reasons beyond Sukoon's control. Sukoon does not assume any liability for timely, trouble-free and uninterrupted access to the internet.

You are solely responsible for maintaining the security and integrity of your computer and information systems. This includes, without limitation, safeguarding all usernames and passwords, and ensuring that your devices are equipped with up-to-date and effective antivirus software and firewall protections. Sukoon shall not be liable for any loss or damage arising from your failure to comply with these obligations.

3. Limitations

In no event shall Sukoon or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Website, even if Sukoon or any of its representative has been notified orally or in writing of the possibility of such damage.

You are prohibited from posting or transmitting to or from the Website any material:

1. 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

2. For which you do not have necessary consents, licenses and/or approvals; or

3. 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

4. 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).

Sukoon shall fully co-operate with any law enforcement authorities or court order requesting or directing Sukoon to disclose the identity or locate anyone posting any material in breach of these terms.

You must not misuse the Website (including, without limitation, by hacking).

4. Revisions and Errata

The materials appearing on the Website may include technical, typographical, or photographic errors. Sukoon does not represent or warrant that any of the data/ information/ materials on its web site are accurate, complete, or current. Sukoon may make changes to any of the data/ information / materials contained on its Website at any time without giving any prior notice.

Sukoon does not, however, make any commitment or assurance to update any materials and/or to keep any such data/ information / material updated.

Sukoon reserves the right to modify, discontinue or substitute any features of the Website or to suspend or discontinue the Website at any time without notice and without liability to you.

5. Links

There may be links to third party websites on the Website. Such third party links on the Website are provided solely for your convenience. If you use these links, you leave the Website. Sukoon has not reviewed these third party sites linked on/ to/ from the Website and is not responsible for the contents of any such linked site. Sukoon 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. The inclusion of any link does not imply endorsement by Sukoon of the site. Use of any such linked web site is at the user's own risk and all liabilities associated or arising from such third party sites are hereby disclaimed.

6. Promotions, Offers or Third-Party Offers

The Website may refer or guide you to certain promotional offers. Such promotional offers may only be applicable to certain select customers and by virtue of such offer being posted or being available on the Website does not entitle you to be eligible to claim/redeem such offer. Each such promotion/ offer may have different eligibility terms and conditions which you would need to qualify to be eligible to avail the promotion/offer. You are hereby advised to contact us for more details on terms and conditions including detailed eligibility terms as applicable on such offers or promotions. In the event any such offer or promotion is provided through or by a third party then Sukoon shall not be liable to you in any way for any acts, errors or omissions of such third-party partner.

7. Terms of Modifications 

Sukoon may revise these terms of use for its Website at any time without notice. By using this Website, you are agreeing to be bound by the then current version of these terms and conditions of use.

8. Online Quotations & Online Insurance Policy – Additional Terms 

By providing information to us, you confirm that all data you give us is accurate. If you provide any information that is untrue, inaccurate, out-of-date or incomplete, or if Sukoon has reasonable grounds to suspect that such information is untrue, inaccurate, out-of-date or incomplete, it may result in any underlying transaction including any quotation/insurance policy (if issued) being declared null and void at the complete discretion of Sukoon and it may also result in legal action. Sukoon reserves its right to cancel, de-activate or suspend your access to the Website at any time without prior notice where you contravene these Terms.

All premium amounts, which are stated on this website or in any quotations are indicative and subject to change, and do not, and are not intended to, constitute either an offer to buy or sell nor a representation that a purchase or sale can be affected at that price.  In the event of any conflict in the premium amount (whether displayed or paid) through the Website and the actual premium amount required by Sukoon for issuance or renewal of your insurance policy, the actual premium amount as required by Sukoon for issuance or renewal of your insurance policy shall at all times supersede and prevail. The receipt of any enquiry/request for quotation does not create any obligation upon Sukoon to underwrite the risk. Sukoon will not be liable until it has underwritten the risk and specifically issued the insurance policy/verified and completed the underlying transaction. Sukoon retains the right to decline, reject, suspend, put on hold or request more clarification/information on any requests for quotation/ proposal/transaction request submitted through the Website. You understand that the quoted amounts may increase or decrease and terms and conditions may be amended/supplemented on the basis of an underwriting risk assessment done by Sukoon. The availability of any information, advice and guidance, if any, on the Website, does not constitute a recommendation or representation by Sukoon to buy any insurance policy. Any decision to purchase an insurance policy will and should be based solely on your own evaluation of your requirements and the terms, conditions and exclusions of the policy offered by Sukoon.

Sukoon's own records of the enquiries/transactions maintained through its own/its service provider’s computer systems or otherwise shall be accepted as conclusive and binding for all purposes. More particularly, the record of Sukoon generated by the underlying requests/transactions, including the recording of the time of the underlying request/transactions shall be conclusive proof of the genuineness and accuracy of the underlying request/transactions.

By providing any personal information through this Website, you ensure that you are duly authorised by relevant persons to provide such personal information to Sukoon. You are also responsible for ensuring that all persons who access the Website through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.

9. Refund Policy

Certain insurance products may include a "free look" period during which the policyholder may review the terms and cancel the policy for a refund. The availability, duration, and conditions of such a free look period, as well as any applicable refund rights, vary depending on the specific insurance product and the terms set forth in the relevant policy documentation. Users are advised to carefully review the applicable insurance policy terms and conditions to determine the existence and scope of any refund provisions. 

10. Liability

Sukoon, any other associated party (whether or not involved in creating, producing, maintaining or delivering the Website), and any of Sukoon'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, or loss or damages arising from or connected in any way to business interruption, and whether in tort, including without limitation negligence, whether contractual or otherwise, in connection with the Website in any way, such as through the use, inability to use or the results of use of the Website, any websites linked to the Website or the material on such websites, 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 websites linked to the Website. If your use of Website or any downloaded material results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof. Sukoon Insurance PJSC neither assumes nor accepts liability for any loss or damage (whether direct or indirect), howsoever caused, as a result of any computer malware/viruses/ransomware/etc. which may infect a users computer equipment/environment arising from the use of this website or any of Sukoon apps.

11. Indemnity

You agree to indemnify and keep indemnified Sukoon and its officers, employees, agents and contractors (those indemnified) in respect of any claim, liability, loss, damage, costs (including legal costs) or expenses which those indemnified may suffer or incur as a direct or indirect result of your breach of these terms or your intentional or negligent or fraudulent acts or omissions or misconduct in connection with any online services provided by Sukoon.

12. Governing Law
 
These terms and conditions of use including any claim relating to Sukoon's website shall be governed by and construed in accordance with the onshore federal laws of the United Arab Emirates (UAE) - which, for avoidance of doubt, excludes the laws of DIFC, ADGM or any other freezones. Disputes arising in connection with the terms and conditions of use shall be subject to the exclusive jurisdiction of the onshore Dubai Courts (which, for avoidance of doubt, excludes the Courts of DIFC, ADGM or any other freezone Courts).