Terms and Privacy

Web Site Terms and Conditions of Use

By accessing this web site (www.tameen.ae) (‘Website’), you are agreeing to be bound by these terms and conditions and all applicable laws and regulations, which you hereby represent and warrant to have read, understood and to be in agreement with in full. Additional terms of use apply in accessing/using certain select features of the Website eg. initiating webchat, making payments etc. You will be required to read understand and agree in full to such additional terms of use before proceeding that particular module/section.

If you do not agree with any of these terms, you are prohibited from using or accessing any further this Website and you must immediately exit from the Website.

1. License

Permission is granted to temporarily access and download one copy of the materials (information or software) as available on the Website for personal, non-commercial transitory viewing only. The materials contained in this Website are protected by applicable copyright and trade mark law.

This is the grant of a license, not a transfer of title, and under this license you may not:

  1. (a) modify or copy any materials;
  2. (b) use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
  3. (c) attempt to decompile or reverse engineer any software/ feature/ link/ access contained or accessed through the Website;
  4. (d) remove any copyright or other proprietary notations from the materials; or
  5. (e) transfer the materials to another person or "mirror" the materials on any other server.

In the event you temporarily download any material from the Website for your own personal and non-commercial use then you agree to ensure that

  1. (a) No documents or related graphics on such downloaded material are modified in any way;
  2. (b) No graphics, text etc. are used separately from the corresponding text/graphics; and
  3. (c) The Company's copyright and trade mark notices appear in all copies.

Unless otherwise stated, the copyright and other intellectual property rights in all material on the Website (including without limitation photographs and graphical images) are owned by Oman Insurance Company (P.S.C.) (the ‘Company’) or its licensors. For the purposes of these conditions of use, any use of extracts from the Website other than in accordance with these terms are for any purpose is prohibited.

If you breach any of the terms in these conditions of use, without prejudice to the rights and remedies available to the Company, your permission to use the Website automatically terminates and you must immediately destroy any and all downloaded or printed extracts from the Website.

No part of the Website may be accessed/reproduced or stored in any other website or included in any public or private electronic retrieval system or service without the Company's prior written permission.

You hereby acknowledge that you have not relied and will not rely upon any representation of fact or opinion contained in the Website in relation to any current or future agreement you have, or will have with the Company or any third party.

Any data/report/ information on the Website about health/medical or healthcare is only for general information purposes and does not in any way constitute medical advice or a substitute for you to meet or seek medical advice / assistance. The Company shall not be liable for any circumstances arising from the use, misuse, interpretation or application of any such generic health information posted on the Website.

You are hereby cautioned and advised not to use any information on the Website, whether in whole or in part, for the purposes of diagnosis or treatment or any kind of illness for any reason whatsoever and in all cases to seek professional medical opinion.

Unless expressly acknowledged to the contrary by the Company, any data/ information/ material you transmit or post to the Website shall be considered non-confidential and non-proprietary. The Company shall have no obligations with respect to such material. The Company and its designees shall be free to copy, disclose, distribute, incorporate and otherwise use material such as data, images, sounds and text embodied therein for any and all commercial or non-commercial purposes.

2. Disclaimer

The materials on Oman Insurance Company (PSC)'s web site are provided "as is". Oman Insurance Company (PSC) makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Oman Insurance Company (PSC) does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

Any product or service description on the Website is not intended to constitute offers to sell or solicitations in connection with such products or services. The Company does not represent or warrant that all of its products or services shall be available at all of its offices, at all times.

While the Company endeavors to ensure that the Website is normally available 24 hours a day, the Company shall not be liable if for any reason the Website is unavailable at any time. Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair, or for reasons beyond the Company's control. The Company does not assume any liability for timely, trouble-free and uninterrupted access to the internet.

3. Limitations

In no event shall Oman Insurance Company (PSC) or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Website, even if the Company or any of its representative has been notified orally or in writing of the possibility of such damage.

You are prohibited from posting or transmitting to or from the Website any material:

  1. (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or
  2. (b) For which you do not have necessary consents, licenses and/or approvals; or
  3. (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or
  4. (d) Which is technically harmful (including, without limitation, computer viruses, logic bombs, trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).

The Company shall fully co-operate with any law enforcement authorities or court order requesting or directing the Company to disclose the identity or locate anyone posting any material in breach of these terms.

You must not misuse the Website (including, without limitation, by hacking).

4. Revisions and Errata

The materials appearing on the Website may include technical, typographical, or photographic errors. The Company does not represent or warrant that any of the data/ information/ materials on its web site are accurate, complete, or current. The Company may make changes to any of the data/ information / materials contained on its Website at any time without giving any prior notice.

Oman Insurance Company (PSC) does not, however, make any commitment or assurance to update any materials and/or to keep any such data/ information / material updated.

5. Links

There may be links to third party websites on the Website. Such third party links on the Website are provided solely for your convenience. If you use these links, you leave the Website. The Company has not reviewed these third party sites linked on/ to/ from the Website and is not responsible for the contents of any such linked site. The Company therefore does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. The inclusion of any link does not imply endorsement by the Company of the site. Use of any such linked web site is at the user's own risk and all liabilities associated or arising from such third party sites are hereby disclaimed.

6. Promotions/ Offers / Third Party Offers

The Website may refer or guide you to certain promotional offers. Such promotional offers may only be applicable to certain select customers and by virtue of such offer being posted or being available on the Website does not entitle you to be eligible to claim/redeem such offer. Each such promotion/ offer may have different eligibility terms and conditions which you would need to qualify to be eligible to avail the promotion/offer. You are hereby advised to contact us for more details on terms and conditions including detailed eligibility terms as applicable on such offers or promotions. In the event any such offer or promotion is provided through or by a third party then the Company shall not be liable to you in any way for any acts, errors or omissions of such third party partner.

8. Governing Law

These conditions of use including any claim relating to Oman Insurance Company (PSC)'s web site shall be governed by and construed in accordance with the law of the United Arab Emirates (UAE). Disputes arising in connection with the conditions of use shall be subject to the exclusive jurisdiction of the UAE Courts.

8. Additional Terms & Site Terms of Use Modifications

The Company may revise these terms of use for its Website at any time without notice. By using this Website you are agreeing to be bound by the then current version of these terms and conditions of use.

7. Liability

The Company, any other associated party (whether or not involved in creating, producing, maintaining or delivering the Website), and any of the Company's group companies and the officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, or loss or damages arising from or connected in any way to business interruption, and whether in tort, including without limitation negligence, whether contractual or otherwise, in connection with the Website in any way, such as through the use, inability to use or the results of use of the Website, any websites linked to the Website or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Website or your downloading of any material from the Website or any websites linked to the Website. If your use of Website or any downloaded material results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.

Privacy Policy

Oman Insurance Company (the “Company”) adheres to the legal and regulatory data protection requirements as is applicable to the Company.

By accessing any of our contract channels including our website, downloading or filling or submitting any forms (proposal/claims etc.) / sending emails/ sending sms/ calling the Company’s call center/ and/or by providing any data/ information to the Company (whether though the Website or otherwise and by any means) you hereby give your unconditional consent to the Company to :

  1. a. contact you anytime, through any means (email, sms, phone, etc.) and for any reason including for promoting its products;
  2. b. collect and store your personal information which you provide to us (including by way of cookies) for the time period as may be required by the Company;
  3. c. transfer your personal information to servers/our third party affiliates/service providers whether inside or outside the UAE;
  4. d. use your personal information as required by the Company for evaluating/ underwriting/ issuing/ administering/ processing your policy/claims etc;
  5. e. disclose your personal information to third party partners as required to issue/ underwrite/ administer / process your policy/ claims, etc. including but not limited to third party administrators, medical providers, brokers, agents, service providers etc; within or outside the UAE
  6. f. disclose and/or report your personal information to legal/regulatory agencies/bodies if and as required by law.

We will at all times treat all confidential information we hold about you as private and confidential and protect it in the same way we would protect our own confidential information and use that information in the ways contemplated. For the avoidance of any doubt, where you have not yet appointed us as your insurer, but in contemplation of such a possible appointment you pass to us information which is proprietary and/or confidential to you, the provisions of this section shall apply as regards such information. 

We will however generally not disclose any confidential information we hold about you to others except:
  1. i. to the extent we are required to do so by law or where requested or required to do so by a regulator; 
  2. ii. to reinsurers, surveyors, loss adjustors, loss assessors , IT service providers, claim administrators, medical providers, emergency support/assistance providers,  additional administrative and/or support service providers, and other like entities or persons , whether inside or outside UAE, to the extent necessary; 
  3. iii. to professional advisors, consultants, lawyers, financial institutions, regulatory or government entities,  and other like entities or persons, whether inside or outside UAE,  to the extent necessary; or 
  4. iv. to other OIC related Companies to the extent necessary to facilitate the effective management, administration, and/or operation of the businesses.
By way of exception to the foregoing, you agree that we may: 
  1. i. use any information you provide to us to create anonymised industry or sector-wide statistics which may be shared with third parties; 
  2. ii. share information concerning your reinsurance arrangement with reinsurers or their agents/brokers where this is necessary to enable reinsurers to decide whether to participate in reinsuring your risk or to participate in any arrangement made by OIC whereby participating reinsurers agree to reinsure (wholly or partly) a portfolio of risks without necessarily making underwriting decisions on a case by case basis for individual risks within such portfolio; and 
  3. iii. collect and use your risk, loss, reserve and claims data in the creation, marketing and commercial exploitation of loss databases, analytical or statistical reports, models and tools, (re)insurance and capital markets products, (any of which may or may not be used in the Services provided to you or in services provided to third parties). 

Additionally Applicable for Group Companies Insured/Dealing with OIC:

You agree that we may use your company name and logo in marketing materials and for internal OIC use. 
If you provide us with, or make available to us, any information which constitutes ‘personal data’ (including any ‘sensitive personal data’), we will treat such information at all times in accordance with UAE Laws  and you agree that we and other OIC Companies may hold and process such information: 
  1. i. in order to provide our services to you; 
  2. ii. to facilitate the effective management, development or operation of the OIC Companies and your business/insurance policy with us; and 
  3. iii. to comply with applicable laws, prevent and detect fraud, and cooperate with regulators where appropriate, as outlined in the OIC Privacy Notice. 

You will ensure that all personal data has been collected and provided to us in compliance with the relevant regulation and all other applicable laws and, where required by law, you will obtain data subjects' consent prior to providing personal data to us. You will notify data subjects of the fact that their personal data will be provided to us and the purposes for which we will use such personal data. 

You will ensure that all personal data provided to us is accurate and, where appropriate, kept up to date, and will notify us if you become aware that such data is inaccurate. 

You will provide us with reasonable assistance, upon request, in dealing with any requests, inquiries or complaints that we receive from data subjects and/or supervisory authorities in relation to any personal data processed under this Agreement.

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