Clear terms.
Confident decisions.

01 Acceptance of Terms

These Terms & Conditions ("Terms") govern your access to and use of the Abyan Insurance website at abyaninsurance.com ("Website").

In these Terms, "Abyan Insurance," "we," "us," and "our" refer to the business operating this Website. "You" and "your" refer to any visitor or user of the Website.

By using the Website, you confirm that you have read and understood these Terms. Additional terms may apply to specific services, applications, insurance products, or agreements. If additional terms conflict with these Terms, the specific agreement may govern the relevant service to the extent stated in that agreement and permitted by law.

02 Website Purpose and Information

The Website may provide general information about insurance services and ways to contact us. Website content is intended for general informational purposes and may not address your individual circumstances.

We make reasonable efforts to keep information useful and up to date, but we do not guarantee that all content will always be complete, current, accurate, or available without interruption.

Content on the Website should not be treated as a substitute for reviewing official insurance policy documents, disclosures, or advice from a suitably qualified professional.

03 Eligibility and Permitted Use

You may use this Website only in compliance with applicable laws and these Terms. If you use the Website on behalf of an organization, you confirm that you are authorized to act for it.

You agree not to:

• Use the Website for unlawful, deceptive, fraudulent, or harmful purposes.
• Attempt to gain unauthorized access to our systems, accounts, or data.
• Interfere with the Website's security, performance, or availability.
• Upload malicious code or attempt to introduce viruses or harmful software.
• Scrape, copy, or collect information through automated methods in a way that violates applicable law or our rights.
• Misrepresent your identity or submit information you know to be false or misleading.
• Use Website content in a manner that infringes another person's rights.

04 Information You Provide

If you contact us or submit an inquiry, you agree to provide information that is accurate to the best of your knowledge and to update it when reasonably necessary.

You should not submit another person's personal information unless you have the authority or a lawful basis to do so. Please avoid sending sensitive financial, identity, or medical information through general website messages unless requested through an appropriate secure process.

Submitting an inquiry does not guarantee that we will provide a particular service, product, quote, or insurance policy.

05 Insurance Information Disclaimer

Information on this Website is general in nature. It is not, by itself, an insurance contract, binder, certificate of insurance, guarantee of coverage, or confirmation that a claim will be paid.

Insurance availability, eligibility, premiums, exclusions, deductibles, limits, and other conditions depend on the applicable insurer, policy wording, underwriting requirements, your circumstances, and applicable law.

Nothing on this Website changes the terms of an issued insurance policy. The official policy documents and applicable agreements govern the coverage provided.

References to insurance products or services do not mean that every product is available in every location or to every person.

06 Quotes, Applications and Coverage

Where the Website allows you to request information or an insurance quote, any estimate or preliminary information is subject to confirmation and applicable underwriting requirements.

• A quote request does not automatically create insurance coverage.
• A preliminary estimate is not necessarily a final premium or offer.
• Coverage begins only when the applicable insurer or authorized party confirms it in accordance with the relevant policy or agreement.
• You are responsible for reviewing policy terms, exclusions, limits, deductibles, and other conditions before accepting coverage.
• You must provide complete and accurate information in any insurance application or related transaction.

Do not rely on a phone call, email, website statement, or preliminary quote as proof of coverage unless the applicable insurer or authorized representative confirms coverage in the required manner.

07 Communications and Acceptable Conduct

When communicating with us, you agree to act lawfully and respectfully and not to send threatening, abusive, fraudulent, or misleading communications.

We may use the contact details you provide to respond to your inquiry or send relevant service-related communications, subject to our Privacy Policy and applicable law. Marketing communications, where used, will be handled in accordance with applicable consent and opt-out requirements.

You are responsible for maintaining the security of your own devices, accounts, and communications.

08 Intellectual Property

Unless otherwise stated, the Website's design, text, graphics, logos, branding, layout, and other materials are owned by or licensed to the relevant rights holder and are protected by applicable intellectual property laws.

You may view and use Website content for personal, lawful, non-commercial informational purposes. You must not reproduce, republish, distribute, modify, sell, or commercially exploit Website content without prior written permission, except where permitted by law.

Third-party names, logos, and marks remain the property of their respective owners.

09 Third-Party Websites and Services

The Website may include links to external websites, platforms, insurers, or service providers for convenience or additional information.

Third-party websites and services may have their own terms, privacy policies, eligibility requirements, and practices. Unless expressly stated otherwise, we do not control and are not responsible for third-party content, availability, security, products, or services.

Accessing a third-party website is at your discretion. You should review its terms and policies before using it or sharing your information.

10 Limitation of Liability

To the maximum extent permitted by applicable law, Abyan Insurance and the parties involved in operating the Website will not be liable for indirect, incidental, special, consequential, exemplary, or punitive losses arising from your use of, or inability to use, the Website.

This may include loss of data, business opportunities, revenue, profits, or losses resulting from reliance on general Website information, interruptions, technical errors, or third-party websites.

The Website is provided on an "as available" basis. To the extent permitted by law, we do not warrant that it will always be uninterrupted, error-free, secure, or free from harmful components.

Nothing in these Terms excludes or limits liability, warranties, or rights that cannot lawfully be excluded or limited. Any applicable limitations remain subject to mandatory consumer protection and other legal requirements.

11 Indemnification

To the extent permitted by applicable law, you agree to be responsible for losses, claims, liabilities, and reasonable expenses arising from your unlawful use of the Website, your material violation of these Terms, or your infringement of another person's rights.

This provision does not apply to the extent a claim results from conduct for which you cannot legally be held responsible, or where such an obligation is prohibited by applicable law.

12 Privacy and Personal Information

Your use of the Website may involve the collection or processing of personal information. Our handling of that information is described in our Privacy Policy.

Please review our Privacy Policy for details about the information we may collect, how we use it, when we may disclose it, and the choices or rights available to you.

13 Suspension and Termination of Access

We may restrict, suspend, or discontinue all or part of the Website where reasonably necessary for maintenance, security, operational reasons, legal compliance, or to address misuse.

Where appropriate and legally required, we will take reasonable steps to provide notice of material interruptions or changes. These Terms continue to apply to matters that by their nature should survive the end of your Website use.

14 Governing Law and Disputes

These Terms are subject to the applicable laws and regulations governing the operation of the Website and the services offered. Any dispute will be handled by a court or other forum with appropriate jurisdiction, subject to mandatory legal protections and any valid agreement that applies to the dispute.

Because the appropriate governing law and jurisdiction depend on the legal entity operating Abyan Insurance and the locations in which it provides services, the applicable jurisdiction should be confirmed before this page is published.

15 Changes to These Terms

We may revise these Terms from time to time to reflect changes to the Website, our services, business practices, or legal requirements.

The revised version will be posted on this page with an updated "Last updated" date. Where required by law, we will provide additional notice or seek your agreement to material changes.

Your continued use of the Website after updated Terms are published indicates acceptance only to the extent such acceptance is recognized under applicable law.

16 Contact Us

If you have questions about these Terms & Conditions or the use of our Website, please contact Abyan Insurance.

Website: abyaninsurance.com