Teluscare Enquiry

INSURANCE TERMS AND CONDITIONS

These terms and conditions constitute a legal agreement entered into between the Purchaser and the Broker/Insurance Company and shall apply to any purchase of insurance products made through this platform.

Sites Visitors are encouraged frequently to visit these sections in order to be updated on changes to the Portal because time to time our Portal policies and these Terms and Conditions may be changed or updated to meet applicable requirements and standards or for commercial reasons. We will post the amended version on the Portal and they will apply to any transaction or use of the Portal from the date of them being posted. However new terms and conditions will not apply to transactions undertaken and fulfilled in their entirety before their posting in amended form.

If you are purchasing an insurance Policy through this website you should also read the terms and conditions of the Participating Insurer (Products and Quote Draft) which is selling the Policy to you and which will be contained in the Draft Policy on the Quote Page. Those Insurer’s Terms and Conditions will exclusively govern the terms of the transaction between you and the Participating Insurer concerned. These Portal Terms and Conditions govern your use of the Portal.

By accepting this agreement, the Purchaser agrees having also accepted www.teluscare.com, Website Terms & Conditions and Privacy Policy, it being specified that neither Teluscare.com nor any of its owners, officers, employees or agents are participants in this agreement, nor shall they bear any liability whatsoever with respect to this agreement.

The services of this Portal are made available by Teluscare in collaboration with BROKERS and Insurance Companies licensed by the UAE Insurance Authority. Teluscare Solutions Office L-05 /S-08, Greece Cluster, Dubai International City, Dubai. For any enquiry: support@teluscare.com.

Definitions:

In this agreement unless the context indicates otherwise:

This Portal or Website means this website;

“You and Your or Customer” means the person using this website (or a person receiving insurance advice from Brokers or Insurance Companies);

“Participating Insurer” means an insurer whose insurance policy quotes are included on this website;

“A Product” is an insurance product sold on the Portal;

“Broker” means a intermediary companies organized and existing under the laws of UAE and Insurance Authority of UAE, with its principal place of business located at different locations within UAE;

“Insurance Company “means a company or its authorized agent who organized and existing under the Laws of UAE, with its principal place of business located at different locations within UAE;

“Policy” means any insurance policy available through this platform;

“Purchaser” means any person or company, jointly and severally, who are purchasing insurance products through this platform;

About us and our Service

We are a provider of an independent and online insurance products that has been designed to save your time and money. We compare insurance products from a range of insurers with help of Brokers or Insurance Companies. With Teluscare, you will find competitive quotes for insurance products as well as the information you need to make an informed choice on which policy best suits your needs.

This internet Portal is a channel of communication between potential buyers of insurance Policies and sellers who are Participating Insurers.

This Portal contains factual information on policies and we do not provide insurance or financial or other advice of any kind in relation to any Product that is displayed on this Portal, nor do we recommend or endorse any Product as suitable for you. The choice is for you alone to make based on the factual information displayed and found in the Insurance Product documentation provided by the Insurance companies.

If you are in any doubt as to the suitability or adequacy of any Product to purchase via this Portal you should seek advice from an insurance broker, investment adviser or other professional.

We charge a policy administration fee above and beyond the price charged by the Participating Insurer:

  • AED 25 fee for policies costing up to AED 1000
  • AED 50 fee for policies costing over AED 1000 and up to AED 1750
  • AED 75 fee for policies costing over AED 1750 and up to AED 2750
  • AED 100 fee for policies costing over AED 2750 and up to AED 4500
  • AED 150 fee for policies costing over AED 4500


Offer and acceptance

Nothing on this Portal shall constitute or be deemed to constitute an offer by us or by any third party to sell you any product or insurance policy or to enter into any contract with you in respect of such product or policy. By submitting your details you are making an offer to obtain the relevant Product or Policy from the relevant Participating Insurer on the Insurer’s Terms and Conditions as contained in its Draft policy that may be accepted or rejected by you. The contract for the Product or Policy will only be concluded once the Participating Insurer or third party has accepted your offer. You will receive confirmation when your offer has been accepted.

Purchase of Insurance Products

The Broker shall sell to the Purchaser, through this platform, the Policies selected by the Purchaser.

In addition to these terms and conditions, the terms and conditions of the insurance provider supplying the Policy shall apply to any Policy purchased through this platform.

By purchasing a Policy through this Platform, the Purchaser acknowledges having read and understood the insurance provider’s terms and conditions applicable to such particular Policy.

Any information regarding a Policy presented on this platform is for information purposes only and Teluscare provides information about the Broker or Insurance Company on each Insurance Products Search. The Purchaser should rely solely on the insurance provider’s terms and conditions in respect of any Policy, because it is those terms and conditions that will apply to the Purchaser’s insurance coverage.

Cancellation of Purchase

All purchases made through this platform shall be legally binding.

Purchases may be cancelled by the Purchaser only in specific circumstances.

The platform reserves the right of refunds which will be done only through the Original Mode of Payment. In the event that transaction error has occurred while making the payment, a refund in most cases will be issued to the same credit card you used for the original purchase.

Acting as Intermediary Only

This platform and the Broker act as an intermediary between the Purchaser and the insurance provider offering a Policy through the platform. Neither the platform nor the Broker make any recommendation with respect to the suitability of any Policy, and any decision to purchase a particular Policy shall be the Purchaser’s sole responsibility.

The Purchaser understands that any claims in relation to any Policy must be made directly to the insurance provider, and not through this platform or through the Broker.

Representations and Warranties of the Purchaser

By using this Platform to purchase a Policy, the Purchaser represents and warrants as follows:

  1. It is over the age of 18 and has the legal capacity to enter into this agreement;
  2. All of the information that it has supplied to this platform is true, correct, and not misleading;
  3. It has disclosed to the Broker or Insurance Company any circumstances, including other contracts or legal instruments to which the Purchaser may be bound, that would or may impede, impair or render illegal the Purchaser’s purchase of a Policy through this platform.

Payments

All payments in relation to a Policy purchased by the Purchaser are due on demand. All charges payable by the Purchaser shall be payable by credit card/debit card or auto deduction on card. We accept payments online using Visa and MasterCard credit or debit cards, in AED only, provided by Broker or Insurance Company Payment Gateway which is linked on Teluscare website.

The Purchaser will not be entitled to set-off or withhold payment of any amounts due in terms of this agreement for any reason whatsoever.

The Purchaser’s acceptance of this agreement will constitute irrevocable authority for the Broker or Insurance Company to obtain authorization and/or payment on the Purchaser’s credit card or charge card.

If any amount is not paid on the due date, the Broker or Insurance Company may without prejudice to any rights it may have, charge interest on the overdue amount at a rate of 5% or the maximum amount allowed under the law, whichever is lower, and in the sole discretion of the Broker or Insurance Company.

A certificate of any director, manager or accountant of the Broker as to any amount owed by the Purchaser to the Broker shall constitute prima facie proof of that amount.

It shall be the responsibility of the cardholder to retain a copy of transaction records as well as a copy of the terms and conditions set forth in this agreement.

Delivery Policy

All documents relating to insurance products purchased by the Purchaser, including the policy itself, shall be delivered to the Purchaser exclusively by e-mail.

In case Physical Copy of Policy required, then may charge additional for delivery of policy and services based on the delivery services booked to get the Physical Copy of Insurance, Broker and Insurance Company is not liable for delay in receiving the physical copy of policy.

Limitation of Liability / Indemnity of the Broker by Purchaser

In no event shall the site proprietor or any of its directors, officers, employees, agents, affiliates, or content or service providers (collectively, the "protected entities") be liable for any direct, indirect, special, incidental, consequential, exemplary or punitive damages arising from, or directly or indirectly related to, the use of, or the inability to use, the site or the content, materials and functions related thereto, or any applications, including, without limitation, loss of revenue, or anticipated profits or lost business or lost sales, even if such protected entity has been advised of the possibility of such damages. Some jurisdictions do not allow the limitation or exclusion of liability for certain damages so some of the above limitations may not apply to certain users. In no event shall the protected entities be liable for or in connection with any content posted, transmitted, exchanged or received by or on behalf of any user or other person on or through the site.

Your Account and Password.

We may enable you to establish an account on the Site with a user name and password. If so, you are responsible for maintaining the strict confidentiality of your account password, and you are responsible for any activity under your account and password. You agree to (a) immediately notify us of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session. It is your sole responsibility to control the dissemination and use of your password, control access to and use of your account, and notify the Site Proprietor when you desire to cancel your account on the Site. We will not be responsible or liable for any loss or damage arising from your failure to comply with this provision.

Intellectual property

The ownership and/or copyright in the information, content, material and data displayed on this portal belongs to Teluscare or our licensors. This include, but is not limited to, all trademarks, service marks, logos, patents, business names, trading names, domain names, design rights, database rights, know how and copyrights and any other intellectual property rights. All such rights are reserved. We own all rights in teluscare.com

You have the right to print or screen copy - one copy only of material on this Portal for personal use, and not for commercial or business use of any kind. Logos, trademarks and service marks may only be downloaded as part of the text, excel or pdf of which they form part. You must not modify the paper or digital copies of such information, content material or data.

Except as expressly permitted under these Portal Terms and Conditions, none of the intellectual property rights belonging to us or our licensors in and relating to this website (including information, content material or data displayed on it) may be used, copied, modified, published, extracted, utilized, transmitted, displayed, sold, excerpted, reverse engineered, made available, reproduced, reformatted or distributed without our express prior written consent.

Your Data

We reserve the right to monitor, record, store and consult our communications with you via the Portal, by e-mail, telephone text or by any other means whatsoever to check instructions, train our staff and improve service.

We operate a strict Privacy and Data Policy. This is set out under the heading Privacy Policy and is available via our website.

All credit/debit cards details and personally identifiable information will NOT be stored, the multiple bookings may result in multiple postings on the cardholder’s monthly statement

Some of the advertisements or offers you see on the site are selected and delivered by third parties, such as ad networks, advertising agencies, advertisers, and audience segment providers. These third parties may collect information about you and your online activities once you click or accept the offer or advertisements, either on the Site or on other websites, through cookies, web beacons, and other technologies in an effort to understand your interests and deliver to you advertisements that are tailored to your interests. Please remember that we do not have access to, or control over, the information these third parties may collect. The information practices of these third parties are not covered by Teluscare’s privacy policy/ terms & conditions.

Disclaimer of Warranties

The site, including, without limitation, all services, content, functions and materials, is provided "as is," "as available", without warranty of any kind, either express or implied, including, without limitation, any warranty for information, data, data processing services, or uninterrupted access, any warranties concerning the availability, accuracy, usefulness, or content of information, and any warranties of title, non-infringement, merchantability or fitness for a particular purpose, and we hereby disclaim any and all such warranties, express and implied. we do not warrant that the site or the services, content, functions or materials contained therein will be timely, secure, uninterrupted or error free, or that defects will be corrected. We make no warranty that the site will meet users' requirements. No advice, results or information, whether oral or written, obtained by you from us or through the site shall create any warranty not expressly made herein. If you are dissatisfied with the site, your sole remedy is to discontinue using the site.

You should not rely on the site to maintain any user submission; you should retain all such data and information in your own records for use in the event that the site fails or is unavailable, or the data or information is lost.

This document contains the entire agreement between the parties regarding the matters contained herein and no party shall be bound by any undertakings, representations, warranties, promises or the like not recorded in writing.

If any provision of this agreement is found by a court of law to be invalid or void such provision will be severed from the agreement, without affecting the remainder of the provisions hereof.

No extension, latitude or other indulgence that may be given or are allowed by any party in respect of performance of any obligation hereunder, and no delay or forbearance in the enforcement of any party arising from this agreement, and no single or partial exercise of any right of any party under this agreement will in any circumstances be construed as implied consent or election by such party or operate as a waiver or a novation of or otherwise affect any party’s rights in terms of or arising from this agreement or stop or preclude any such party from enforcing at any time and without notice, strict and punctual compliance with each and every provision or term hereof.

This agreement and all matters or disputes arising there from or incidental thereto shall be governed and construed in accordance with the laws of the United Arab Emirates. The Purchaser consents to the jurisdiction of the courts of the United Arab Emirates with respect to any disputes arising out of this agreement.

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