By using and accessing any Fidelity United’s channels, products, softwares, Portals, Social media, sending emails, WhatsApp, sending SMS, or any other electronic or web-based services including downloading or filling or submitting any form (collectively referred to as the “Fidelity United Site”), you agree to be bound by the following terms and conditions.

Your continued access or use of the relevant Fidelity United Site will be considered as your acceptance of this Terms and Conditions, which you hereby represent and warrant to have read, understood and to be in agreement with in full.

Fidelity United may at any time and at its sole discretion vary these Terms and Conditions for security, legal or regulatory reasons, or to reflect updates or changes to Fidelity United Site by publishing the varied Terms and Conditions. Your continued use of Fidelity United Site will be considered as your acceptance of the new Terms.

Fidelity United Site contains information about Fidelity United and Fidelity United’s products and services and enables you to access customer portals, issue and renew certain Fidelity United Policies.

The materials contained on Fidelity United Site are protected by applicable copyright and trademark law, therefore you are prohibited to:

▪ Modify or copy any materials
▪ Use the materials for any commercial purpose, or for any public display (commercial or non-commercial)
▪ Attempt to decompile or reverse engineer any software/ feature/ link/ access contained or accessed through Fidelity United Site
▪ Remove any copyright or other proprietary notations from the materials; or
▪ Transfer the materials to another person or “mirror” the materials on any other server

The copyright and other intellectual property rights in all material on Fidelity United Site (including without limitation photographs and graphical images) are owned by Fidelity United.

No part of Fidelity United Site may be accessed/reproduced or stored in any other website or included in any public or private electronic retrieval system or service without Fidelity United’s prior written permission.

The information contained on any of Fidelity United Site is just for the necessary generalized. The insurance cover described is in summary form only, and is subject to the terms and conditions stated in the policy wording and schedules, therefore, you are advised to read the policy wording and schedules. Fidelity United shall not be liable for any errors or any circumstances arising from the use, access, misuse, interpretation or application of any such generic information posted on Fidelity United Site.

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

Any data/report/ information on Fidelity United Site 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. Fidelity United shall not be liable for any circumstances arising from the use, misuse, interpretation or application of any such generic health information posted on Fidelity United Site.

Any materials appearing on Fidelity United Site may include technical, typographical, or
photographic errors. Fidelity United does not represent or warrant that any of the data/
information/ materials on Fidelity United Site are accurate, complete, or current.

There may be links to third party websites on Fidelity United Site. Such third party links on Fidelity United Site are provided solely for your convenience. If you use these links, you leave Fidelity United Site. Fidelity United has not reviewed these third party sites linked on/ to/ from Fidelity United Site and Fidelity United is not responsible for the contents of any such linked 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.

Fidelity United Site may refer sometimes 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 Fidelity United Site does not entitle you to be eligible to claim/redeem such offer. Each promotion or 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 Fidelity United shall not be liable to you in any way for any acts, errors or omissions of such third party partner.

These terms and conditions of use including any claim relating to Fidelity United 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.

Fidelity United 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 omission and gross negligence, whether contractual or otherwise, in connection with any of Fidelity United Site in any way, such as through the use, inability to use or the results of use of any of Fidelity United Site, 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 any of Fidelity United Site or your downloading of any material from Fidelity United Site or any websites linked to any of Fidelity United Site. If your use of any of Fidelity United Site or downloaded material results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof, even if Fidelity United or any of its Partners has been notified orally or in writing of the possibility of such damage

You indemnify Fidelity United in respect of any liability incurred by Fidelity United for any loss, cost, damage, or expense howsoever caused, or suffered by Fidelity United as a result of your breach of these Terms and conditions.