SureCedeTerms And Conditions
For Accessing This Website
1. General
1.1. SC Holding Company Limited. (hereinafter referred to as “SureCede” or “Company” or “we” or “us” or “our”), having its registered office at Cloud Bubble B04, 15th Floor, Al Sarab Tower,Adgm Square, Abu Dhabi, Al Maryah Island,United Arab Emirates is engaged in the business of developing Application Programming Interface or related software solutions for Insurance Companies, Reinsurers and their Authorized Insurance Brokers, collectively known as “Users” and their end clients that they cater to.
1.2. The said Company’s Terms and Conditions (hereinafter referred to as the “Terms and Conditions”) is applicable to and designated to inform the Insurance Companies, Reinsurers, their Authorized Insurance Brokers (“Users”) and their end clients, about the terms and conditions they will be subjected to while using or accessing this Website.
1.3. The Company may update/modify/amend these Terms (including any portion of it) at any time, with or without advance notice. Each time you use the Website, however, the current version of these 'Terms' will apply. Accordingly, each time you use the Website you should check the date of the 'Terms' and review any changes since the last time you used the Website.
1.4. By visiting the Website, you expressly agree to be bound by these Terms and Conditions and agree to be governed by the applicable Laws of the Abu Dhabi Global Market or ‘ADGM’. If you do not agree please do not use or access this Website.
1.5. The Agreement or 'Terms' as may be prescribed by the 'Company' together constitute a legally binding agreement between you and the Company. You are requested to read these Terms carefully before accessing or using the Website.
1.6. Users are solely responsible for obtaining the requisite consent and informing their end clients of the terms and conditions contained in this agreement. It is not the responsibility of SureCede to obtain consent from the end clients or to inform them of their rights and obligations with respect to the functioning of the application and other such availed services. Further, neither the Company nor its representatives will be involved in direct communication with or understanding the needs and requirements of the end clients.
2. Definitions
2.1. Authorized Insurance Broker means any business entity or individual registered and licensed by the UAE Insurance Authority and authorized by the Insurance Company to carry out insurance operations on its behalf.
2.2. Content means any content provided by the User and / or its end client, including but not limited to information provided during the registration, purchase of insurance products and for other such related services.
2.3. ADGM means Abu Dhabi Global Market.
2.4. End Client means individuals or business entities who have concluded an insurance contract and purchased insurance from the Users (i.e. insurers, reinsurers, or authorized insurance brokers).
2.5. Insurance Company means a company registered and licensed by the UAE Central Bank to develop, offer and distribute insurance products and insurance related services in the UAE to any entity or individual wanting to avail its benefits.
2.6. Premium means an amount of money that the Insurance Companies, Reinsurers and the Authorized Brokers receive from the End Clients (i.e insured) to provide them with the insurance coverage as specified in their respective insurance products / policies.
2.7. Reinsurer means a company that provides financial protection to the Insurance Companies.
2.8. Services means the duties, obligations and other services, together with the development of application that is to be performed by the Company under the directions of the Users.
2.9. UAE means United Arab Emirates.
2.10. Users means Insurance Companies, Reinsurers or their Authorized Insurance Brokers.
2.11. Website shall mean the following link – Website link.
3. Description of services of the company
3.1. The Company through its Website provides you with access to a variety of resources including information about the various insurance products, calculation and generation of quotation with respect to insurance premiums, information about the Company’s business, disclosures enhancements, new features, updates and other such relevant information.
3.2. The Company is also licensed by the ADGM, UAE, to offer software solutions to businesses. The Company may provide its Users with customized software solutions in the form of Mobile Applications, based on the requisites of the Users. Please click on the link Privacy Policy to access the Terms and Conditions applicable to such customized Mobile Applications.
4. Company’s content
The Company may contribute textual and / or audio visual content to explain to the Users of its business purpose on the Website entirely at its sole discretion, in the form of “Content”. This content is generated by the employees of the Company or by any other individuals as authorized by the Company from time to time. The Users hereby acknowledge and agree that this content constitutes the opinions of the employees and/or of any other individuals as authorized by the Company from time to time, in their personal capacity, and may not represent official positions of the Company in any manner. The Company retains all copyright to this content.
5. Third party content
The Website of the Company may contain links to third-party web sites or services that are not owned or controlled by the Company. Links on the Website / to third party web sites or information are provided solely as a convenience to you. You acknowledge and agree that the third-party content is neither created nor endorsed by the Company. You acknowledge that the third-party content provided to you is obtained from sources believed to be reliable, but that no guarantees are made by the Company or the providers of the third-party content as to its accuracy, completeness, timeliness. By using any third-party Content, you may leave the Website and be directed to an external website, or to a website maintained by an entity other than the Company. If you decide to visit any such website, you do so at your own risk, and it is your responsibility to take all protective measures to guard against viruses or any other destructive elements. The Company makes no warranty or representation regarding, and does not endorse, any linked websites or the information appearing thereon or any of the products or services described thereon. Links do not imply that the Company or its Website sponsors, endorses, recommends, is affiliated, or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol, information, displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of the Company or any of its affiliates or subsidiaries. You hereby expressly acknowledge and agree that the linked websites are not under the Company’s control and the Company is not responsible for the contents of any linked website or any link contained in a linked website, or any changes or updates to such websites. The Company is not responsible for webcasting or any other form of transmission received from any linked website. The Company reserves the right to terminate any link to outside services or resources at any time at its own discretion.
6. Registration
6.1. In order to avail the Services of the Company such as development of software solutions to simplify the purchase and delivery of insurance policies / products, to generate insurance policy quotes, calculation of insurance premiums as well as to enquire more about the features of the Software Solutions provided by the Company, the Users will be required to register on the Website. Registration is a one-time process and is free of cost. Users may register by creating an account on the said Website. To create an account, Users need to provide relevant personal information like Name, Email – ID, Date of Birth, Address, etc. Subsequently, an account with an exclusive username and password will be created by the Company for the Users.
6.2. It is the User’s sole responsibility to maintain the confidentiality of the login credentials for their account, and the Users agree not to share them with any third parties. The Users however, will be permitted to share the registration credentials (such as User name / ID and Password) with their End Clients to enable them to use the services offered by the Mobile Applications developed by the Company.
7. Limitation of liability
7.1. Neither the Company nor its representatives shall be liable to the User, End Clients or any third party in connection with any indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to consequential, special, incidental or indirect losses including, without limitation, (i) loss of profits, revenue or goodwill; (ii) loss of business or (iii) loss of anticipated savings.
7.2. The User and their end clients agree to use all reasonable endeavors to mitigate any losses in good faith which it may suffer under or in connection with this Agreement and any amounts it seeks from the Company in respect of any such liability.
7.3. The Company in no event shall be liable for any content exchanged or received by or on behalf of the User or the End Client on or through the Website.
8. Indemnification
Users agree to indemnify and defend the Company and its affiliates, directors, employees and agents from and against any losses, claims, demands, liabilities, damages, costs and expenses (including reasonable attorney fees and costs) arising from access to or use of the Website, violation of these Terms, or infringement of any intellectual property or other rights of the Company. The Company will notify you of such claims and accordingly you will have to cooperate and assist and indemnify the Company of such losses.
9. Intellectual property rights
9.1. The Users and End Clients acknowledge that the Company and/or its licensors own all rights to the intellectual property and material contained in its Website, and all such rights are reserved. You are granted a limited license only, subject to the restrictions provided in these terms, for purposes of viewing the content and understanding the services provided by the Company via the Website
9.2. All text, material, data, and information, data files, description of Company’s services, graphics, images, user interfaces, visual interfaces, photographs, trademarks, logos and computer code etc. “Content”, contained on the Website is owned, controlled or licensed by or to the Company, and is protected by applicable intellectual property and other laws, including trademark and copyright laws. The Company owns and retains all copyrights in such content. Nothing in this Agreement shall be construed as conferring any rights or license to the Company’s Website and its associated trademarks or copyrighted material.
9.3. Except as expressly provided in these terms, no part or content of the Website may be copied, reproduced, adapted, modified, published, republished, publicly displayed, encoded, translated, transmitted, or distributed in any way to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without the Company’s express prior written consent. You also agree not to modify, rent, lease, loan, sell, distribute, transmit, broadcast, or create derivative works based on the content, in whole or in part, by any means.
9.4. The Company’s logos and trademarks are the properties of the Company. The appearance, layout, color scheme, and design of the Website are protected trade dress. You do not receive any right or license to use the foregoing.
9.5. You may use the Website solely to learn about the software solutions and related services provided by the Company, in compliance with these terms.
9.6. You shall promptly notify the Company in writing of any known or suspected infringement of the Company's intellectual property rights by any third party and shall cooperate fully with the Company in any legal action taken by the Company to protect its intellectual property rights.
9.7. The intellectual property rights obligations set forth in this section shall survive the termination or expiration of this Agreement.
10. Roles and responsibilities of the users
The User undertakes the following roles and responsibilities:
10.1. To obtain necessary licenses and permits in order to distribute insurance products and insurance related services in accordance with regulatory requirements.
10.2. To take full responsibility for all matters related to the issuance and administration of insurance products, payment of insurance premiums and other such related services such as quoting and calculation of insurance premiums to its end clients.
10.3. To determine the commercial terms with its end clients without involving the company in this process.
10.4. To independently deal with and communicate with the end clients to resolve their queries and complaints.
11. Roles and responsibilities of the company
11.1. The Company will provide the availed services in a professional and workmanlike manner, consistent with the standards of the industry and regulations that apply.
11.2. The Company will use its reasonable efforts to ensure the security, reliability, and availability of the Website and any associated services that have been availed by the Users such as generation and calculation of quotes for insurance premiums but it does not guarantee that the Website will be error-free or uninterrupted. The Company shall not be liable in the event of the Website experiencing a downtime or being affected by an error that interrupts the operation of the Website.
12. Warranties and restrictions
You may use the Website for reasonable and lawful purposes only, and shall in no manner indulge in any activity that is unlawful or harmful to the Company and its Website . You will be provided with a limited license to access and use the Website, solely for the purposes of understanding the services and as mentioned in their Statement of Works subject to the following terms:
12.1. You hereby undertake to:
a. The Mobile Application may only be accessed and used by you for the availed services.
b. You must accept these Terms and Conditions prior to using the Application.
c. You must notify the Company immediately if you become aware of any unauthorized access to or use of the Website.
12.2. You hereby undertake to:
a. Disrupt the content and / or functioning of the Website.
b. Use the Services provided on the Website in any manner that is unlawful, or harms the Company or its entities; or engage in any behavior that violates any applicable laws and regulations.
c. Publish any fake or malafide statements against the Company or its Website.
d. Engage in any form of antisocial acts or “phishing” and other such similar activities as those terms are commonly understood and used on the internet.
e. Transmit any content that is libelous, defamatory, abusive, threatening, harassing, hateful, and offensive or otherwise violates any law or right of the Company or any third-party.
f. Delete or modify any content on the Website, including but not limited to, any information regarding the Services of the Company, disclaimers or proprietary notices such as copyright or trademark symbols, logos, that you do not own or have express permission to modify.
12.3. You represent and warrant to the Company that:
a. You have the legal capacity to enter into and perform your obligations under these Terms and Conditions.
b. Usage of the Website will not be violative of any applicable laws and regulations.
c. Users have obtained necessary licenses and approvals to provide such insurance products and related services to their End Clients.
d. All information that is submitted by you to the Company in connection with obtaining customized software solutions and/or Services is true and accurate.
13. Disclaimer
13.1. Except where expressly provided otherwise, the Website, and all content provided on or through the Website, are provided on an 'as is' and 'as available' basis. The Company expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, with respect to the Website and all content provided on or through the Website or any associated services, including but not limited to any warranties of merchantability, fitness for a particular purpose, or non-infringement.
13.2. The Company makes no warranty that: (a) the Website will meet your requirements; (b) the Website will be available on an uninterrupted, timely, secure, or error-free basis; or (c) the results with respect to quotation and calculation of insurance premiums that may be obtained from the use of the Application by the user or their end clients, or any content provided on or through the Application will always be accurate or reliable.
13.3. Any content accessed, downloaded or otherwise obtained on or through the use of the Website is used at your own discretion and risk. The Company shall have no responsibility for any damage to your computer system or loss of data that results from the download or use of content.
13.4. The Company reserves the right to make changes or updates to, and monitor the use of, the Website and content provided on or through it at any time without notice.
14. Minors
You may use the Software Solutions provided by the Company only if you agree to form a binding contract with the Company and are not a person barred from using such Software Solutions under the laws of the applicable jurisdiction. Such Software Solutions are not for use by any minor(s), which shall be any person under the age of 18 years, and you must not use it if you are a minor(s).
15. Privacy policy
By using the Website, you accept the terms of Privacy Policy which is an integral part of these Terms and Conditions. Please click on this link Privacy Policy to refer to the Company’s Privacy Policy for information regarding collection, use and storage of your personal information.
16. Disputes
This Agreement shall be governed by and construed in accordance with the laws of the ADGM. Any dispute arising out of or in connection with this Agreement, including in connection with the terms of this agreement, validity, interpretation, implementation, non-disclosure terms or alleged breach of any provision of this Agreement, shall be subject to the exclusive jurisdiction of the courts of the ADGM.
17. Miscellaneius
17.1. Severability
If any portion of this Agreement is held to be unenforceable, the unenforceable portion must be construed as narrowly as possible to reflect the original intent of you and the Company. The remaining portions remain in full force and effect.
17.2. Waiver
The failure of the Company to enforce any provision of this Agreement shall not be deemed a waiver of such provision or of the right to enforce such provision.
17.3. Force majeure
The Company will not be held responsible for any delay or failure to adhere to the obligations if such delay or failure arises or is in connection to an Act of God which is beyond Company’s reasonable control.
17.4. Assignment or transfer
You shall not assign or transfer any of your rights or obligations under this Agreement without the prior written consent of the Company. The Company reserves the right to assign or transfer the performance of this agreement to its subsidiary or its holding company or acquirer as the case may be from time to time.
17.5. Headings
The paragraph headings in this agreement are inserted for convenience only and shall not be construed to limit or modify the scope of any provision of this agreement.
17.6. Grievance redressall
You may submit any grievance in connection with the Website and services provided by the Company at: hamza@surecede.com
E-mail ID: info@surecede.com