TERMS AND CONDITIONS
Please read this Agreement carefully before accessing the www.covermatch.com website. As a condition to and in consideration of receiving and accessing the covermatch.com website, the user agrees to be bound by the terms of this Agreement. Use of or access to the CoverMatch website shall constitute acceptance of terms of the agreement to be bound by this Agreement.
If you do not wish to be bound by this agreement, do not access the website covermatch.com. If you have any questions about this Agreement, please contact us via e-mail at firstname.lastname@example.org. Any information in this website which are related to any products or services, its policies and terms conditions may not provide full information, full description on the features and terms and conditions. Hence it is advisable to go through terms and conditions of the insurance providers and agree to it after carefully reading and understanding it completely before making a purchase decision.
product or service means any insurance policy or any other service product available in the website. Website/We/Our/Us means www.covermatch.com and any mobile applications operated by us. Broker/Brokers means North Star Insurance Brokers LLC
Insurer/Insurance Provider means insurance companies whose products are made available in the website You/Your/User/Users/Customer means who access the website and uses the website for any of the facilities such as accessing information, generating quotations purchasing, enquiring, asking for the advice from the brokers.
Covermatch.com is not a broker or not an insurance intermediary. We are a price comparison website where prices and benefits of various insurance products or other services available are compared. Our website provides the opportunity to individuals or business to compare various products for them to search for a suitable product on their behalf.
This Website shall NOT deal or provide any services or Products to any of OFAC (Office of Foreign Assets Control) sanctions countries in accordance with the applicable laws of UAE.
Conditions Of Use
By using the website, you are agreeing to the terms and conditions. We reserve the right to revise these terms and conditions at time without any notice. You will be bound by such revisions and hence you are advised to visit the website frequently and review the terms and conditions.
Addition to this terms and conditions, terms and conditions of any insurance products you are purchasing through the website is also applicable. These terms and conditions are provided by the respective insurance providers for the products you are purchasing through the website. If you are not agreeing to all these terms and conditions do not purchase the product or service through the website.
We do not provide insurance advice or recommend or endorse the insurance products that are available on the website, as suitable for you. Any decision on the selection of any of the product or service is your responsibility and before the decision it is important to go through the terms and conditions of the product you chose and terms and conditions of insurance provider.
You are solely responsible for deciding on whether any of our Services are suitable for your purposes. Before making any purchase ensure that you are reading all terms and conditions carefully. Covermatch.com, broker and the insurance provider shall not be responsible for any liability arising out of the purchase made through the website. You are also responsible for all transactions made or purportedly made by any person in your name or on your behalf, with or without any authority, knowledge or consent, and may not claim against us in respect of such transactions.
Third Party Links
You can link to other websites by means of hyperlinks published on this website by third party advertising networks or emailed to you as part of our service. These websites are owned and operated by third parties. We accept no liability for any statements, information, products or services that are published on or may be accessible through third party websites, as this is outside our control.
Website Content And Security
We have taken every reasonable step to make sure the information contained in this website is accurate and up-to-date. However, we can accept no liability for any errors or omissions. We reserve the right to add, amend or delete information from this site at any time.
Whilst we take every reasonable step to counteract viruses and other things with contaminating or destructive properties, we can give no warranty that this site and its content are free from viruses or anything else that has such contaminating or destructive properties.
You can visit the website either as a guest or as a registered user by registering in it. For registering in the website, you shall be required to submit the personal details for creating the account. This is absolutely your responsibility to maintain the confidentiality of user details including the password.Covermatch.com shall not be liable for any loss or damage arising out of the failure to maintain the confidentiality of the passwords or unauthorized access by a third party without your consent.
Website also provides the option for the users to keep records of their insurance policies by signing up and creating an account in it. Whilst we take every reasonable step to ensure that your records shall made available to you through the system when you require it we shall not be liable in case the same is not accessible to you due to technical or non-technical issues or due to data loss we will not held liable. If any User provides any information that is untrue, false, not updated or incomplete and the Website has reasonable grounds to believe that such information is untrue, false, not updated, incomplete, the Website shall have the right to suspend or terminate the relevant User account or deny services to that particular User for any and all current or future use of the Website.
We are not responsible for any comments, opinions, ratings or other postings on our website by any third party.
In order to get a quote through our price comparison service, you will always need to answer a number of questions and, it is important that you as Customers are responsible for providing true and accurate information to all the questions to the best of your knowledge. Failure to give truthful information may result in your insurance being invalid and claims not being paid.covermatch.com shall not be responsible for untrue or inaccurate information provided by You, whatsoever.
It is important that you read, understand completely and agree with the insurance provider’s terms and conditions in addition to the terms and conditions in this website before purchasing any product from this website. Once you have purchased a product, it is important that you check your details match those you provided to us. You should also read all documents issued to you by your selected provider and ensure that you are aware of any levels of cover, financial limits and any other terms that apply. If any information is not correct, it is your responsibility to identify the mistake and correct this with the provider directly. Be aware that any purchase of policy you are making is from the insurance provider directly and the website is acting as medium throughout the transaction. You are advised to contact the client support team if you have any queries related to terms and conditions of the website or insurance provider.
Intellectual property rights
Any logos, trademarks, service marks and domain names and all related intellectual property rights, of the insurance companies and the broker belong to the and you may not reproduce them without their prior written consent. Except for them, all intellectual property rights including, without limitation, all logos, trademarks, service marks, domain names, database rights, rights in design, and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction in any information, content, materials, data or processes contained in or underlying this website and/or the service we provide belong to Covermatch Technologies FZCO.
All rights of Covermatch Technologies FZCO in such intellectual property rights are hereby reserved.
Limitation of Liability and Indemnification
Neither the website and the nor the Broker and any of its directors, officers, employees, service providers or agents shall be liable for any loss or damage, whether direct, indirect, consequential or otherwise arising from the purchase by the customer of any insurance products through this platform.
The Broker, its directors, officers, employees, affiliates or agents are accordingly indemnified by the customer against any claim of any nature whatsoever and howsoever arising from any damages or loss which might be instituted against the Broker, its directors, officers, employees, affiliates or agents arising from or connected with or pursuant to the purchase of insurance products contemplated in this agreement.
The Customer hereby indemnifies, defends and holds harmless the entity owning and operating the Website, its subsidiaries, affiliates, vendors, agents and their respective directors, officers, employees and agents (herein after individually and collectively referred to as "indemnified parties") from and against any and all losses, liabilities, claims, suits, proceedings, penalties, interests, damages, demands, costs and expenses (including legal and other statutory fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by the indemnified parties that arise out of, result from, or in connection with :
The Customers’ breach of these Terms and Conditions, or Any claims made by any third party due to, or arising out of, or in connection with, the Customers’ use of the Website; or Any claim that any third party IPR, proprietary information, content or materials provided by the Customer causes any damage to a third party; or Violation of any rights of any third party by the Customer, including any IPR.
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 (or any other agreed currencies). All transactions shall be in AED. All credit/debit cards details will NOT be stored, sold, shared, rented or leased to any third parties.
All documents relating to insurance products purchased by the Purchaser, including the policy itself, shall be delivered to the Purchaser exclusively by e-mail. Cancellation And Refund Policy
It is important to understand that we do not underwrite insurance cover and any dispute between you and a Participating Insurer over cover shall not give rise to any rebate or refund or repayment liability or obligation on the part of the Service Providers, including the following, whether or not arising in connection with the website. (i) (i) the denial, restriction, cancellation or rescission of cover under a Policy issued by a Participating Insurer via the Portal for any reason whatsoever, including fraud, misstatement (innocent, negligent or fraudulent) or non-disclosure by you the customer, willful or otherwise;
(ii) (ii) any rebate or claimed rebate of Premium in connection with (i).
Any arrangements or Customer communication in connection with Refund Policy shall be implemented by the Participating Insurer direct with the Customer and the Service Providers shall be no obligation to assist in any such matter.
Refunds or rebates will be done only through the original mode of payment.
While we ensure that the information on the Website is correct, the Company does not warrant the accuracy and completeness of the material on the Website. The Company may make changes to the material on the Website, or to the products and any other features 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.
We shall not be liable or responsible to the Customer for any loss or damage they may suffer as a
direct or indirect result of Information on this Website being inaccurate or incomplete
Error in price or coverage provided by the Insurance Provider,
Customer not being able to use, access the Website due to malfunction, downtime or interruptions,
Loss of the Customers personal information beyond the reasonable control of the Website
Loss of personal data or other data, howsoever caused, including without limitation, malfunctioning of the Website, power failures, unlawful access to or theft of, data, viruses, programming defects or negligence on our part or any event beyond our control.
Customers provisions of incomplete, inaccurate or misleading information to the Website or to the Insurance providers.
If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.
These Terms and Conditions are governed by and are to be interpreted in accordance with the laws of the United Arab Emirates and in the event of any dispute arising in relation to these Terms and Conditions, the courts of the United Arab Emirates shall have exclusive jurisdiction over any such dispute.