Effective Date: 01.03.2025

Welcome to InsuranceDady.ae, a service provided by Chartered Technologies FZ LLC ("Company," "we," "us," or "our"). By accessing and using this Website, you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree with any part of these Terms, please do not use our services.

By accessing or using the InsuranceDady.ae platform or services, you acknowledge and agree to be bound by these Terms, including any additional terms, conditions, and policies that may apply to specific sections of the platform or services. Your continued use confirms that you have read, understood, and accepted all applicable legal terms.
If you do not agree to these terms, you are strictly prohibited from using the services, and you must discontinue use immediately.

Scope of Services

  1. Services Overview
    InsuranceDady.ae, operated by Chartered Technologies FZ LLC, provides access to a range of insurance products and related services, including but not limited to car insurance, health insurance, and life insurance. These services may be offered through our website, mobile applications, or partner platforms, with additional offerings introduced in the future.
  2. Accessibility & Jurisdiction
    1. The services provided by InsuranceDady.ae are intended for users in jurisdictions where such services are legally permitted. Access to our platform from locations where its use would violate local laws or require additional regulatory compliance is strictly prohibited.
    2. Users accessing our platform from outside the UAE do so at their own risk and are solely responsible for ensuring compliance with local laws. By using our services, you confirm that you are not located in, under the control of, or a resident of any restricted jurisdiction.
    3. We reserve the right to limit, suspend, or terminate access to our services if a user is found to be in violation of these terms, applicable laws, or the rights of third parties.
  3. Website Usage & Registration
    1. Most areas of the InsuranceDady.ae website can be accessed without registration. However, certain services and features may require users to register and provide personal details.
    2. By accessing or using our website, you acknowledge and accept the terms governing the platform. If you do not agree with these terms, you must discontinue use immediately.
    3.  InsuranceDady.ae reserves the right to modify or discontinue any part of its services at its sole discretion without prior notice. Users are responsible for reviewing updates to these terms, as continued use of the platform implies acceptance of any changes.
  4. Third-Party Services & Content
    1. Our platform may provide links to third-party websites, tools, or services. InsuranceDady.ae does not control or endorse such external services and is not responsible for their content, accuracy, or practices.
    2. Users accessing third-party services from our platform do so at their own risk, understanding that our Terms & Conditions and Privacy Policy do not apply to such external sites.

By using InsuranceDady.ae, you agree to abide by these terms and any future updates as deemed necessary by Chartered Technologies FZ LLC.

Eligibility

By using our Website, you confirm that you:

  • Are at least 18 years old.
  • Are legally capable of entering into binding agreements.
  • Provide accurate and truthful information during any application process.

User Responsibilities

  • You agree to use the Website lawfully and refrain from fraudulent activities.
  • You will not attempt to hack, modify, or interfere with the Website’s operations.
  • You understand that all insurance policies are subject to terms set by third-party providers.

Third-Party Services

  • Our Website displays insurance policies from third-party providers, and we do not guarantee the accuracy, availability, or terms of any policy.
  • Any transaction or contract entered into with a third-party provider is solely between you and the provider. We hold no liability for disputes, claims, or losses arising from such transactions.

Intellectual Property Rights – InsuranceDady.ae

  1. Ownership of Website Content
    1.  All content, materials, designs, graphics, logos, text, images, software, and other elements on InsuranceDady.ae (the "Website") are the exclusive property of Chartered Technologies FZ LLC or its licensors, unless otherwise stated.
    2. This includes but is not limited to the website design, trademarks, domain names, service marks, and copyrighted materials used in connection with the services offered.
  2. Restrictions on Use
    1. Users are strictly prohibited from copying, reproducing, distributing, modifying, transmitting, publishing, or commercially exploiting any content from the Website without prior written permission from InsuranceDady.ae.
    2. You may not use any data mining, scraping, or similar tools to extract content or information from the Website for commercial or competitive purposes.
    3. Any unauthorized use of content may result in legal action, including but not limited to claims for intellectual property infringement.
  3. Limited License to Users
    1. InsuranceDady.ae grants users a limited, non-exclusive, non-transferable, and revocable license to access and use the Website solely for personal and non-commercial purposes.
    2. This license does not grant ownership of any intellectual property rights in the Website or its content.
  4. Third-Party Intellectual Property
    1. The Website may contain references to third-party trademarks, logos, or content, which remain the property of their respective owners.
    2. Any third-party content is used solely for informational or identification purposes and does not imply endorsement or affiliation.
  5. Reporting Intellectual Property Violations
    1. If you believe that any content on InsuranceDady.ae infringes on your intellectual property rights, please contact us immediately with relevant details so we can investigate and take appropriate action.

Privacy Policy

We collect and process personal data in accordance with our Privacy Policy [Insert Link]. By using our Website, you consent to our data collection and processing practices.

Disclaimers & Limitation of Liability

The content provided on InsuranceDady.ae is for general informational purposes only and should not be considered professional advice. Users are encouraged to seek specialist or professional guidance before making any decisions based on the information available on this website.

While InsuranceDady.ae, operated by Chartered Technologies FZ LLC, strives to ensure the accuracy and relevance of the information presented, we make no guarantees, representations, or warranties, whether express or implied, regarding its completeness, accuracy, or timeliness. The website content may be updated, modified, or removed at any time without prior notice. We do not commit to regularly updating all materials, and some information may become outdated.

All content is provided “as is”, without any warranties or conditions, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. The information on this website should not be considered financial, insurance, or investment advice, nor should it be relied upon for making financial or policy-related decisions.

InsuranceDady.ae compiles information from publicly available sources, including insurer materials and financial institutions, but does not independently verify all data. Users are responsible for conducting their own research and consulting appropriate experts before making any financial or insurance-related decisions.

Amendments to Terms

We reserve the right to modify these Terms at any time. Any changes will be posted on this page, and continued use of our Website constitutes acceptance of the updated Terms.

Documentation and Verification Requirements

  1. Submission of Documents: All insurance products offered by InsuranceDady.ae require users to submit the necessary documents and proof of eligibility before a policy can be issued. Users must ensure that all submitted documents are accurate, complete, and up to date.
  2. Additional Documentation: If the submitted documents are deemed insufficient, InsuranceDady.ae reserves the right to request additional supporting documents. Users must comply promptly to avoid delays in policy issuance.
  3. Accuracy & Authenticity: Users must ensure that all submitted documents are true and not falsified. Submission of false or misleading information may result in immediate termination of the agreement, denial of claims, and no refunds for any premiums paid.
  4. Legal Consequences: Providing false or fraudulent documentation may lead to legal consequences and liability for any damages incurred by InsuranceDady.ae or other parties.
  5. Claims & Misrepresentation: Claims may be denied by the insurance provider if misrepresentation, omission, or falsification of information is found. InsuranceDady.ae will not be held liable for any rejected claims due to inaccurate or misleading information provided by the user.
  6. Verification Rights: By submitting documents, users grant InsuranceDady.ae the right to examine, verify, and authenticate the provided information. This may involve consultation with authorities, institutions, or third-party verification services.
  7. Discrepancies & Rejection: If any inconsistencies are found in the submitted documentation, InsuranceDady.ae may request additional documents, delay policy issuance, or reject the application entirely.

Service Availability

InsuranceDady.ae, operated by Chartered Technologies FZ LLC, strives to maintain 24/7 accessibility to its platform. However, we do not guarantee uninterrupted availability and shall not be held liable for any temporary downtime, disruptions, or inaccessibility of the website or services.

Temporary Suspension

Access to the website and services may be temporarily suspended without prior notice due to maintenance, system failures, upgrades, or circumstances beyond our control. InsuranceDady.ae shall not be liable for any inconvenience, data loss, or service interruption resulting from such occurrences.

Product Transferability & Restrictions

  • Non-Transferable Products
    Some insurance products and services offered on InsuranceDady.ae are classified as non-transferable. While we provide a list of such products, this list is not exhaustive. The final decision on transferability rests with the respective insurance providers and service partners.
  • Request for Transfers
    If you submit a request to transfer a product that is not explicitly stated as non-transferable, InsuranceDady.ae reserves the right to decline such a request at its sole discretion. Our decisions regarding product transferability are final and binding.
    By accessing and using InsuranceDady.ae, you acknowledge and agree to these terms, including service availability conditions and product transferability policies.

Purchase & Payment Terms & Conditions – InsuranceDady.ae

Payment Processing

  • All payments for insurance products and services offered through InsuranceDady.ae are made directly through the official Insurance Companies  Payment Channel Portals.
  • Any third-party payment links or unidentified payment requests should be ignored and reported to our support team immediately. InsuranceDady.ae is not responsible for any payments made through unauthorized links or platforms.

Authorization, Payment, and Additional Charges

  • By submitting payment details, you authorize the insurance provider to charge the applicable amount for the selected insurance policy.
  • Payment processing is subject to verification and approval by your bank or payment provider.
  • Additional service fees, taxes, or administrative charges may apply, depending on the insurance provider’s terms.

Order Refusal, Cancellation, and Limitations

  • InsuranceDady.ae reserves the right to refuse or cancel any order due to:
    • Payment failures, incomplete transactions, or suspected fraud.
    • Non-compliance with eligibility requirements or incorrect information provided by the user.
    • Restrictions imposed by the insurance provider or regulatory authorities.
  • If a policy is canceled before activation, the refund policy of the respective insurance provider will apply.

Refunds & Cancellations

  • Refunds are processed as per the terms of the respective insurance provider. InsuranceDady.ae does not control or influence refund policies.
  • Users must directly contact the insurance provider for any cancellation or refund requests.
  • Any deductions, processing fees, or penalties applicable on refunds will be determined by the insurance provider.

Governing Law & Jurisdiction

These Terms shall be governed by the laws of the United Arab Emirates. Any disputes shall be subject to the exclusive jurisdiction of the courts of UAE having perused Federal Law No. (6) of 2007 on establishment of the Insurance Authority and Organization of its Operations, as amended by Decretal Federal Law No. 25 of 2020 regarding the amendment of some provisions of the Decretal Federal Law No. 14 of 2018 regarding the Central Bank and Organization of Financial Institutions and Activities, Decretal Federal Law No. 24 of 2020, as amended, and its executive regulation and Board of Directors Decision No. (18) of 2020 on the Electronic Insurance System as Registration Number : 21 under the Central Bank of U.A.E

Contact Information

For any queries regarding these Terms & Conditions, you may contact us at:
Chartered Technologies FZ LLC
Email: admin@insurancedady.ae

By using InsuranceDady.ae, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.