1. General
1.1
These Terms and Conditions apply to your use of this platform and the Insurance activity between you and us.
1.2
By using this platform, you agree to these Terms and Conditions. If you do not wish to be bound by these Terms and Conditions, you should not use this platform and/or continue this Insurance activity.
1.3
We suggest that you print a copy of these Terms and Conditions and keep them in a safe place for future reference.
1.4
You must only use this platform for your personal use only and not for business or commercial purposes.
2. United Arab Emirates Jurisdiction & Governing Law
2.1
"The United Arab Emirates is our country of domicile.
2.2
"Any purchase, dispute, or claim arising out of or in connection with this website shall be governed and construed in accordance with the laws of the UAE.
3. Definitions
3.1
"you" and "your" means the person who proposes to use or is using this platform, the person who applies to acquire insurance coverage through this platform, and if that person decides to purchase insurance through our platform, will become a policyholder, insured, and a customer/client of ours.
3.2
"we," "us," and "our" means Shory Insurance Brokers LLC, which is authorized and regulated by the Central Bank of the United Arab Emirates for insurance broking activity, under license [287] and trade license [CN-4315710].
3.3
"platform" means either the website located at www.shory.com or any mobile application that we provide using the internet.
3.4
"insurer" means the provider of an insurance product made available via this platform, a collective number of selected insurers incorporated and licensed to practice insurance activities in the United Arab Emirates.
4. Accepted Payment Methods & Currency
4.1
We accept payments via Visa, MasterCard & Union Pay credit/debit cards in AED (United Arab Emirates Dirham).
4.2
Cardholders must retain copies of transaction records and adhere to merchant policies and rules.
4.3
The payment of premium does not warrant the customer (client) issuance of the underlying insurance policy.
5. User Eligibility
5.1
Minors under 18 years old are not allowed to register as users or transact on the website.
5.2
Users are responsible for maintaining the confidentiality of their accounts.
6. Sanctions Compliance
6.1
Trading or services will not be provided to individuals and entities from OFAC-sanctioned countries.
7. Ownership & Operation
7.1
The website is owned, maintained, and operated by the company name mentioned in the registered trade license.
8. Use of this platform
8.1
By using this platform, you agree that:
8.1.1
You will not do anything that affects the integrity or security of this platform or causes or may cause harm, damage, or unreasonable inconvenience to other users of this platform.
8.1.2
You will not gather, extract, download, reproduce, or display any material from this platform without our written permission.
9. Privacy & Data Protection
9.1
We treat all information about you as private and confidential and will always work to ensure that your personal data is processed in compliance with relevant privacy laws.
10. Claims
10.1
You must notify us or your insurer as soon as possible of any loss, claim, or circumstance which falls within the notification provisions of your insurance policy.
11. Limit of Liability
11.1
Our liability to you for the services we provide shall be limited to the extent of the UAE courts and regulatory requirements.
13. Jurisdiction & Enforceability
13.1
In the event of a dispute, the laws of the United Arab Emirates as applied in the Emirate of Abu Dhabi will apply.
14. Force Majeure
14.1
Neither Party shall be liable for any delay or non-performance of its obligations under this Agreement caused by an event beyond its control (a “Force Majeure Event”).
16. Insurance Policies
16.1
You should always read the insurer’s terms and conditions in full, which will cover any transaction or agreement between you and the insurer.
17. Third Party Websites
17.1
Any links or pointers to any website outside of our official website are designated as “third-party sites.”
18. Platform Security
18.1
You must not share your password, PIN, or OTP with any third party.
19. Intellectual Property
19.1
All information, data, and copyright material on this platform belong to us or licensed entities.
20. Payment Terms
20.1
You must pay your insurance premiums by the due date to avoid policy cancellation.
21. Amendment, Renewal, or Cancellation
21.1
If you wish to amend or cancel your policy, refer to our website’s post-sales section.
22. Termination
22.1
We may suspend or terminate your right to use this platform if you breach any of these Terms and Conditions.