Terms and Conditions

• These terms and conditions apply to your use of www.wethaq.com

• By using this website, you agree to all of these terms and conditions, as well as the terms contained in the Privacy Policy and any other terms posted on the website. You are also responsible for ensuring that all persons who access the website through your internet connection are aware of these terms and conditions and comply with them.

• If you do not agree to these terms of use, you may not use the website.

• The website reserves the right to modify these terms of use at any time without prior notice. You agree that each visit to the website will be subject to the terms of use then in effect. Your continued use of the website, whether now or after modifications to these terms of use, confirms that you have read and agreed to be bound by such modifications.

• These terms and conditions apply to the website and all of its available applications on iPhone, iPad, Android, and mobile devices connected to the internet.

• The terms and conditions are published in accordance with the provisions of the law of the State of Kuwait.

The following terms have the meanings indicated next to each of them, unless these Terms and Conditions expressly state or require otherwise:

• "You" / "Customer" / "User": any person intending to use this website, the person applying for an insurance policy, or the insurance policy holder.

• "We" / "Company": means Wethaq Takaful Insurance Company, a company licensed in the State of Kuwait to practice insurance activity under License No. IRC20200011, located at City Tower, Khaled Bin Al Waleed Street, Sharq, Kuwait.

• Website: An electronic platform www.wethaq.com owned by Wethaq Takaful Insurance Company, which enables users to benefit from the services provided by the company.

• Insurer: The provider of the insurance products offered on the website.

• Privacy Policy: The provisions relating to the use of customer or user data, which are subject to the provisions contained therein and are an integral part of the provisions contained in these Terms.

• Purchase process: means the process of purchasing any of the insurance products provided by the website.

• The Site grants you a non-transferable, non-exclusive, and revocable license to access the Site. The Site is available to you during the validity of these Terms and Conditions and for the stated purpose only. The Company may update and amend the Site from time to time, and add or cancel all or some of the Services. You may not license or assign to any third party any of the rights granted to you under these Terms and Conditions, particularly authorizing third parties to access the Site using your account.

• The Site provides information and data on various insurance products offered by Wethaq Takaful Insurance Company.

• The Site provides services for obtaining insurance policy quotes, purchasing insurance policies, and benefiting from various types of insurance coverage, such as, but not limited to:

  • Comprehensive (supplementary) car insurance

  • Civil liability insurance (against third parties)

  • Driving license insurance

  • Civil liability insurance against third parties for marine vessels

  • Comprehensive insurance for the hull, machinery, and equipment of a boat or yacht

  • Household insurance

  • Personal accident insurance including death

  • Travel insurance

  • Domestic worker insurance

  • Medical malpractice insurance.

  • Professional liability insurance.

• Each insurance policy is subject to its own terms and conditions based on the type of insurance coverage.

By simply using the services provided by the website, you agree to and acknowledge the following:

• Use the services for your own personal use and will not reuse or transfer them to any other party.

• Do not copy or distribute any content from the services or any materials contained therein.

• Do not use the services for any purpose that conflicts with or violates any laws, regulations, public order, or public morals.

• Do not register on behalf of a third party or impersonate other people.

• You must ensure that no unauthorized person using your mobile phone uses your personal account with your password. If there is any suspicion that your website account or password has been stolen, you must notify us immediately via the contact information provided.

• Do not violate the privacy of any customer of the company or website user or obtain any personal information about them.

• Do not use the website or any materials contained therein to infringe upon the intellectual property rights of the company or any third party in any way.

• Not to use the website for any purpose other than to attempt to hack, modify, or tamper with it or any of its hardware or software, with the intent to violate the privacy of any customer or user of the company or obtain any personal information about them.

• Not to take any action intended to introduce any viruses, bugs, Trojan horses, malware, or any other destructive material to the website.

• Not to use the website for any illegal, unauthorized, fraudulent, or malicious purpose.

• The company reserves the right to take any action it deems appropriate, including denial of access to this website and taking all legal action if you violate any of the provisions hereof.

• We maintain your insurance profile to allow you to view your insurance policy, policy information, and related documents.

• The user can make purchases using recognized payment cards. The user is obligated to ensure that sufficient funds are available on their bank cards to avoid problems related to declined payments.

• A copy of the policy will be sent by email to the user's registered email address as specified in the application. The company does not deliver any documents or insurance policies to the user, except for certain insurance products, in accordance with the company's policy.

• If the purchase process fails for any technical reason beyond the company's control, the customer must prove the completion of the transaction by deducting the insurance value. The company will not be obligated to issue the insurance policy if the customer fails to prove the completion of the transaction.

The company owns all rights to the website, including intellectual property rights, subsidiary and related rights, as well as any ideas, programs, technologies, improvements, or service improvement requests, opinions and recommendations, or any information provided by the user or any other party associated with the services, and any related materials, patents, copyrights, and trademark rights. The name of the company that owns the website, its logo, and the names of the services and logos associated with it represent trademarks owned by Wethaq Takaful Insurance Company and its allies, as the case may be, and the use of these trademarks by third parties is not permitted unless there is an agreement between the company and any third party.

• The Company does not warrant that there will be no errors, omissions, delays, interruptions, or loss (including loss of data) or errors will occur. It shall not be liable for any direct or indirect losses or damages that may arise from the use or results of the use of the materials on the Website, in terms of their correctness, accuracy, completeness, reliability, or otherwise. The User downloads and operates the Website's services at their own risk and under their own care, and is solely responsible for any malfunctions or loss of data from their mobile phone or equipment when downloading or operating any of our Services.

• The Company does not guarantee in any way that the files you wish to download are free of viruses or harmful files, and you should verify the integrity of any files before downloading them.

• The Company makes no express or implied warranties of any kind, nor does it make any warranties or representations that the Services will be uninterrupted, that the Services will be available on time, or that they are completely secure and free of technical errors. The Company reserves the exclusive right to modify or discontinue any or all of the Services, temporarily or permanently, at any time and from time to time, with or without notice.

• The information contained herein is not necessarily a complete description of all applicable terms, exclusions, and conditions and is provided for information purposes only. Businesses and individuals should not rely on the information provided on the Website to prevent or mitigate risks or to explain coverage or benefits under an insurance policy. If you are a customer of the Company, you may be subject to other agreements with the Company. These Terms of Use apply to your use of the Website and do not change any other contract or agreement between you and the Company. Please review your policy documents for more information about any applicable service or product from the Company.

• The Company has the right to cancel any insurance policy after issuance for any reason it deems appropriate, in accordance with the terms stipulated in the policy. It also has the right to cancel any insurance policy before issuance that has been kept in draft form in preparation for issuance for any reason it deems appropriate.

• You agree that the Company shall not be liable to you or any other party for any amendments, suspension, or discontinuance of any or all of the services.

• The Company acknowledges that all insurance policies issued by it are valid and approved by official authorities.

• Before or after completing the purchase process, the Company has the right to inspect / review potential risks whenever necessary without any objection from the customer.

• The Company has the right to stop or suspend the purchase process at any stage of the purchase process if it is determined that there is an error in entering certain data, a violation of applicable laws or regulations, or in implementation of decisions and instructions issued by regulatory authorities.

• The Company has the right to renew or not renew the insurance policy, and it has the right not to renew the policy under the same conditions or prices, or to make any amendments it deems appropriate. The company has the right to amend any of the terms, coverages, or prices of the insurance products displayed on the website before purchasing or paying, without the need to notify the customer.

• The User undertakes to provide true, accurate, current, and complete information and data in accordance with the User's official documents. The User is responsible for the incorrectness or inaccuracy of such information and data, without any liability to the Company.

• The User agrees to keep their contact information up-to-date and accurate, and to immediately notify the Company of any changes to such information.

• The User acknowledges that the Company is not responsible for any delay in receiving or not receiving any notification, text message, or email from the Company.

• When using the Website, the User undertakes to respect all applicable laws, regulations, and procedures.

• The User undertakes to keep their passwords and website access codes confidential and refrain from sharing them with any third party. They must notify us immediately if they believe any of their data has been hacked or stolen.

• The User acknowledges that the Company has the right to amend these Terms and Conditions, the Privacy Policy, the Website content, or the terms and prices of insurance products displayed on the Website without prior notice to the Customer. The user expressly authorizes us to use the information and data he enters on the website to determine his eligibility, verify his identity, and the information he provides, to market our other products, and for our internal use, including statistics, analysis, study, and maintenance of the products and services we provide, to assess risks, and to take all necessary measures and due diligence procedures to prevent money laundering and combat terrorism, in accordance with the decisions and laws issued by regulatory authorities. The user acknowledges the company's right to contact him whenever necessary and to send him notifications via the available communication methods whose details the customer has entered on the website. The user also acknowledges the company's right to monitor or record telephone conversations conducted by him or any person acting on his behalf for the purposes of quality control and training, to evaluate its performance with the public, or for its own protection.

• We reserve the right to immediately terminate your use of the Website if you violate the terms and conditions of this Agreement (in our sole discretion), or if you commit any fraudulent or deceptive act, or violate applicable Company policies. Once your use is terminated for any reason, you will no longer be permitted to access the Website. In addition to the Company's right to take other remedial measures, the Company will not be liable for the return of any information or stored data after termination of use for any reason.

• You have the right to request that the Company delete or suspend your account and any information contained therein by sending an email expressing your desire to cancel or suspend it to contact-us@wethaq.com

Any information, other than data or personal information you submit to the Company via the Website, email, or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of the Company. This information, other than personal data or information, may be used for any purpose, including but not limited to, reproduction, submissions, disclosure, transmission, publication, broadcast, posting on social media, performance evaluation, and determining audience preferences.

Your use of our services is subject to our Privacy Policy, which aims to protect your data and personal information. Please review the terms and conditions of the Privacy Policy posted on the website to learn how your data is used, secured, and disseminated.

This website may contain links to other websites ("Third-Party Websites") that are not operated by the Company. The Company makes no warranties or representations regarding the content of these websites, or any products or services they offer, and assumes no responsibility for or endorses any information or materials published or displayed on any of these websites. It also assumes no responsibility for any failure to provide the services or products offered on these websites, or for their compliance with intellectual property rights. We advise you to read the privacy policies and terms and conditions of these websites. 15- Indemnification:

You agree to defend, indemnify, and hold harmless the Company, including its affiliates and employees, from and against any claim, demand, suit, debt, loss, liability, damages, or costs, including but not limited to reasonable attorneys' fees, to the extent that any of the foregoing is based on, arises from, or relates to: (a) your use of the Website or the materials or software on the Website; or (b) your violation of these Terms of Use.

These Terms and Conditions, as well as the Privacy Policy, their interpretation and application, and any disputes arising therefrom, shall be governed by the laws of the State of Kuwait. The courts of the State of Kuwait shall have jurisdiction to adjudicate any dispute that may arise regarding their interpretation, application, or implementation.

If any provision or part of a provision of these Terms and Conditions is found to be prohibited by law, or if a court determines it to be invalid or unenforceable, that provision or part of these Terms and Conditions shall be deemed severed, while the remaining provisions shall remain in effect.

The Company shall not be liable for any failure to perform any or all of its obligations or any delay in performing them if this is due to a force majeure cause beyond its control.

If you have any comments or inquiries, please contact us at... contact-us@wethaq.com