Terms and Conditions and Privacy Policy

  1. Definitions
    • "you" and "your" means the person who proposes to use or is using this website.
    • "we" "us" and "our" means Goodwill Insurance Brokers LLC, registered (Registration Number 123) under UAE Law Number 6 of 2007, Head Office, Office # 506, 5th Floor, Atrium Centre, Khalid Bin Al Waleed Road (Bank Street), Al Mankhool, Bur Dubai, Dubai and any of our legal successors to whom we transfer or sell our business.
    • "Website" means a site on the world wide web located at www.BusinessMe.ae.
    • "Insurance Partner" means any participating insurance supplier, distributor or provider of any service or product advertised on this Website or made available via this Website, and any of its appointed representative and intermediary.
    • "quote" means a price provided by a Insurance Partner for comparison with other quotes on the basis of the information you have provided.
    • "Terms and Conditions" means these terms and conditions as outlined in this Website and amended from time to time.
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  3. Use of the Website

      These Terms and Conditions apply to your use of this Website. By using this Website you agree to these Terms and Conditions. If you do not wish to be bound by these Terms and Conditions you should not use this Website.

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  5. Pricing

      The premium amounts quoted on the Website are subject to change and may also vary depending on the payment method chosen. Whilst we endeavour to keep all policy details and premiums on the Website current, we cannot and do not guarantee the accuracy of pricing information on the Website.

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  7. Other information

      The Website contains statements regarding the terms of insurance policies, including details of the benefits available and items not covered by such policies. Such statements are generalised in an attempt to give you a summary of the types of policies presented on the Website. However, not all insurance policies are the same and you should confirm the exact terms of any insurance policy that you intend to enter prior to entering that insurance policy. The product information, service or product advertised on this Website or made available via this Website is available only to residents of the UAE. We are not a registered insurance organisation.

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  9. Privacy Policy
    1. In order to provide our services to you we need to disclose the information you entered into our Website to our Insurance Partners. 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.
    2. 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 price comparison service button (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.
    3. 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 centre) we 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 Insurance Partners, professional advisers, service providers, our technology and service provider Netinsure Ltd (P.O.Box 214468 Dubai, UAE), 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.
    4. 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; (3) Renewal reminders; (4) Reminders about our service in 11 months time; (5) Future surveys/research.
    5. We will provide your Personal Information to organisations authorised by us to conduct promotional, research or marketing activities. If you prefer to opt out of such direct marketing activity, please let us know by any means convenient for you so that we may remove your personal data from our marketing database. However, please remember that by opting out, we will not be able to contact you about products or services that may benefit you.
    6. 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.
    7. 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.
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  11. Other websites

      The Website contains links to other websites. Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the site to which it links. We are not responsible for the privacy policies or practices of any third party. We recommend that you check the privacy policies of these third party websites.

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  13. Use of Cookies
    1. A cookie identifies your computer to a server that then enables information to be stored on the hard drive of your computer. Cookies allow a computer to be identified as corresponding to one that has accessed another website or visited a site previously. Cookies are commonly used on the Internet and do not harm your computer system.
    2. We may, from time to time use and serve cookies, pixel tags or action tags. Any information that is collected via cookies, pixels and action tags is anonymous. We may use cookies, pixel tags or action tags for various purposes, including: (1) collating anonymous aggregated information that is used to manage and plan enhancements to our services; and (2) to evaluate the effectiveness of our advertising and promotions on third party websites, for example by tracking whether these advertisements are clicked on by users.
    3. We are continually looking to adopt and implement certain practices and technologies in order that we may improve your user experience.
    4. You can stop cookies from being deployed on your computer by configuring your browser not to accept them or opt-out.
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  15. Amendments

      We may at any time and at our absolute discretion vary these Terms and Conditions of the Website. You should check this page occasionally to ensure you are familiar with any changes.

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  17. Indemnity

      You agree to indemnify and hold us, Netinsure Ltd, our subsidiaries, and affiliates, and their respective officers, agents, partners and employees, harmless from any loss, liability, demand, claim or legal proceedings brought or threatened, including expenses of any character suffered or incurred arising out of your use of the Website in violation of these Terms and Conditions, and/or arising from your use of or conduct on the Website or in use of the services and/or a breach of these Terms and Conditions.

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  19. Liability
    1. Insurance Partners provide some of the information available on the Website (the “Website Information”) and therefore there may be inaccuracies in the Website Information over which we have no control.
    2. We do not warrant or guarantee the: (1) timeliness, accuracy or completeness of the Website Information; or (2) quality of the results obtained from the use of the Website.
    3. To the maximum extent permitted by law, we have no liability in relation to or arising out of the Website Information and Website recommendations. You are responsible for the final choice of your insurance policy and you should take time to read through all fund information supplied before proceeding. If you are in any doubt regarding an insurance policy or its terms you should seek further advice from us or the relevant insurer before choosing your insurance policy.
    4. We may pass on your Personal Information to the relevant Insurance Partner if you purchase an insurance policy through us, however, we do not guarantee when or if you will actually become an insured person under the insurance policy that you have chosen. We do not accept any liability arising out of circumstances where there is delay in you becoming an insured person under the policy you have chosen.
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  21. Disclaimer
    1. We take no responsibility for third party advertisements, which are posted on the Website, nor do we take any responsibility for the goods or services provided by our advertisers. We assume no responsibility for any error, omission, interruption, deletion, corruption, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, any of your communication or any content or Personal Information provided through the Website. This Website is provided “as is” without any representations or warranties, express or implied. Nothing on this Website constitutes, or is meant to constitute, advice of any kind.
    2. We are not responsible for handling claims. No admission, offer, promise, payment of indemnity is made or given by us. Any claims reported by you to us will be passed to the Partner Insurer and settled directly with you and the applicable Partner Insurer.
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  23. Third party services
    1. You can apply for a number of products and services through this Website. These products and services are not provided by us but are instead provided by third parties over whom we do not have control. It is your responsibility to satisfy yourself that you wish to obtain any product or service before doing so. We are not responsible or liable for any loss or damage you may suffer or incur in connection with any product or service you obtain after using this Website or for any acts, omissions, errors or defaults of any third party in connection with that product or service.
    2. Please be aware that the information and descriptions of products and services on this Website may not represent the complete descriptions of all the features and terms and conditions of those products and services. You must ensure that you carefully read all the features and terms and conditions of any product or service before applying for it.
    3. If you apply for and obtain any product or service, you will be contracting with a third party who will be providing that product or service to you on their own terms and conditions. It is your responsibility to ensure that you understand and agree with those terms and conditions before entering into a contract to obtain that product or service. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions applying to any contract entered into by you with any third party in relation to any product or service or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions.
    4. Any views, opinions, advice or assistance which is given or provided to you by a third party after you have used this Website do not represent our views, opinions, advice or assistance and are not checked, monitored, reviewed, verified or endorsed by us. We do not endorse, recommend or take responsibility for any third party who provides you with any views, opinions advice or assistance. You act or refrain from acting on any third party's views, opinions, advice or assistance at your sole risk and sole discretion and you are solely responsible for any decision to act or refrain from acting on such views, opinions, advice or assistance. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice or assistance including in relation to their accuracy, truthfulness or completeness or for any acts, omissions, errors or defaults of any third party in connection with such views, opinions, advice or assistance.
    5. Please be aware that whilst this Website provides information on a wide range of products or services, there may be other products or services available on the market which are not shown on this Website and which may be more appropriate or suitable for you than those shown on this Website.
    6. If you are unhappy with any product you have obtained from a third party or have any complaint regarding any third party, you should address your complaint directly to that third party. If you require their contact details, please contact our Customer Services Team who will be happy to assist.
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  25. Vouchers

      Voucher codes are provided to us by third parties over whom we do not have control. We do not guarantee or warrant that the voucher codes are valid. You must check that any discounts have been applied prior to making any purchase using any voucher code. We are not responsible or liable for any loss or damage you may suffer or incur in connection with any voucher codes.

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  27. Miscellaneous
    1. If the whole or any parts of a provision of these Terms and Conditions are void, unenforceable or illegal in a jurisdiction it is severed for that jurisdiction. The remainder of these Terms and Conditions have full force and effect and the validity or enforceability of that provision in any other jurisdiction is not affected. This clause has no effect if the severance alters the basic nature of these Terms And Conditions or is contrary to public policy.
    2. In the event of a dispute in connection with or arising out of these Terms and Conditions, UAE law will apply. These Terms and Conditions will only apply as between you and us. Unless as otherwise stated in these Terms and Conditions no other person may benefit or rely upon these Terms and Conditions
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  29. Cancellation/Refund Policy
    1. If your policy is cancelled due to any false declaration such as, but not limited to wrong driving experience, promotional code (if applicable), or another field which is mandatory in the application process we will charge you AED 100 as cancellation fee.
    2. Refunds for all products are subject to the specific terms and conditions of your insurance policy.
    3. For any refund related issues we are happy to support you. Our refund administration fee is 100 AED. You can send us an email to the address as referred to under the "Contact Us" page or call us and provide us with the following details to:
      • Your contact number (preferred mobile No.)
      • Policy number
      • Date transaction was processed
      • Amount of transaction
      • Reason for refund
      • Relation to subject insured
      • Any relevant supporting documents
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