TERMS OF USE

These are the terms and conditions which apply to your use of this website. Please read them carefully. By proceeding with access to this website you signify that you have accepted these terms and conditions.

It is very important that you read and understand Prosperity Insurance Brokerage LLC (“Prosperity, we, us, our”) terms and conditions as they contain valuable information and legal facts. Our staff are more than happy to help with any further questions or queries you may have. See our contact us page for more information on how to contact us.

General

This site is provided by Prosperity Insurance Brokerage LLC incorporated in Abu Dhabi in 2009 and licensed by the Department of Planning & Economy, No 385613 and the UAE Insurance Authority, No 240. Head Office Address Prosperity, 4th Street, P.O. Box 107729 Abu Dhabi, United Arab Emirates.

Please note that this website is intended for use by residents of the United Arab Emirates (UAE) whilst in the UAE only. Prosperity makes no representation that any product or service referred to in this Website is available or otherwise suitable for use outside of the UAE.

The Website is for your non-commercial, personal use only and must not be used for business purposes. For clarification this does not include the booking of travel for business purposes nor where the area of interest is business insurance / finance.

When you submit your information within this web site, you consent to the use of that information as set out in Prosperity’s privacy policy. If Prosperity change the privacy policy, we will post the changes on this page and place notices on other pages of the web site so that you are aware of how we use your information at all times. Your continued use of the Website signifies your acceptance of such modifications.

Prosperity reserves the right, at any time and without notice, to revise the contents of this site including these conditions of use. Any changes to these conditions will be posted on this site. Your continued use of the Website signifies your acceptance of such modifications.

This website may also contain hypertext links to websites operated by other third parties. The responsibility for those websites belongs to the third parties who are identified as operating those websites. Separate terms and conditions will also apply to those websites and these should be read accordingly. For clarification - Prosperity accepts no responsibility for the content of or your use of any website which is accessed via a hypertext link from this website.

Availability

Prosperity will endeavour to ensure that this website is accessible for 24 hours a day but will not be liable if‚ for any reason‚ the website is unavailable for any time or for any period. Prosperity will have the right to suspend access to the site temporarily or permanently and without notice.

Prosperity will not be liable for any loss or damage arising in contract‚ tort or otherwise if this website is unavailable or is suspended for any reason.

Information

Prosperity takes care to ensure that the information contained in this web site is accurate and up-to-date. However, we make no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this site, which may contain technical inaccuracies and typographical errors.

Security (Email)

Prosperity will take all reasonable steps to ensure that any information you provide via email on this website is kept secure‚ but please remember that‚ because of the nature of the internet‚ the security of emails cannot be guaranteed. Consequently your privacy cannot be guaranteed. There is no guarantee that any emails sent will be received by us.

Additional information regarding the security of personal data‚ and the use of cookies is available in our privacy policy.

Exclusions, Limitations and Alterations

The descriptions of all the products and services contained in this website are for information purposes only. The information and descriptions provided are not intended to be complete descriptions of all the terms, conditions and exclusions applicable. The precise coverage afforded by any insurance policy or other product issued by Prosperity is subject to the terms, conditions and exclusions of the policies as issued. Any other products and services provided are subject to their specific terms and conditions as set out throughout the site.

Prosperity does not provide any legal, accounting, or other professional advice or opinion on specific facts or matters. Also, neither we nor any of our directors, employees, or agents will be liable for damages arising out of or in connection with the use of this site or the information in it.

This is a comprehensive limitation of liability that applies to all kinds of damages including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property, and third party claims. However, nothing shall exclude or restrict liability for death or personal injury resulting from our negligence or that of our directors, employees or agents.

If any of the provisions become unlawful, void or for any purpose unenforceable, then the particular provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions or conditions of use.

We shall not be liable to you for any breach of these conditions of use, or for any failure or delay in providing our services through our site, that result from any event or circumstance beyond our reasonable control. This includes without limitation, strikes, lockouts and other industrial disputes, breakdown of systems or network access, fire, explosion, accident, insurrection and war.

Prosperity cannot warrant that this website is free of viruses or technical defects of any description‚ and accepts no responsibility for any technical problems arising from your use of this website.

Your Obligations/Responsibility

You certify that you have taken all reasonable precautions to ensure that any data you submit to the Website is true and accurate and free from viruses and anything else which may have a contaminating or destructive effect on any part of the Website or any other technology.

You acknowledge and agree that you may be required to complete a registration process. This includes the creation of a password in order for you to access your Prosperity account. This account is a service provided by Prosperity where you may save and access searches you have made.

You agree that,

• Any password allocated to, or created by you to enable use of the services provided by the website shall be kept strictly confidential.
• To keep this password safe and not to disclose it to anyone.
• To immediately notify us if any unauthorised third party becomes aware of that password.
• Any person to whom your [username or password] is disclosed is authorised to act as your agent on this site.
• To take all necessary steps to prevent unauthorised access to your Prosperity account via any computer used to access your account.

You must get permission from any other people about whom you propose to provide information in requesting a quote, before you provide us with any of their information. This applies to all information that you provide, but especially sensitive data i.e. health information. In submitting any other person's details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used.

It is very important that you answer all questions truthfully and that you disclose all relevant facts. If you do not provide your insurer or financial services provider with the information they have asked for, or fail to tell them about any circumstance likely to influence the insurer's/provider's assessment of the risk involved, or any change in the facts supplied or your circumstances, it could invalidate your insurance or product.

If you are in any doubt about whether any information is relevant, you should tell your proposed insurance or financial services provider before you accept their quotation.

Copyright and other Intellectual Property Rights

Prosperity owns the copyright and all other intellectual property rights existing on or within this website.

You are not permitted to download‚ print‚ redistribute or extract any information from this website other than for your personal‚ non-commercial use.

You are not permitted to reproduce‚ modify or in any way change any of the information available on this website.

Data Protection and Privacy

Any personal information you supply to us via this website will be treated in strict confidence.

Additional information regarding the privacy of personal data‚ and the use of cookies is available in our privacy policy.

Jurisdiction and Applicable Law

Prosperity has established this website in the UAE. These terms and conditions of use will be governed by and construed in accordance with UAE law. Any disputes arising in relation to these conditions of use will be subject to the exclusive jurisdiction of the UAE courts.