Important information to note

The Ras Al Khaimah National Insurance (P.S.C.) (“RAKINSURANCE”) website is available subject to the Terms and Conditions governing the use of the RAKINSURANCE website and such services may be withdrawn or amended at any time without notice. You are required to abide by the terms for access to the RAKINSURANCE website. By accessing the RAKINSURANCE website, you indicate your acknowledgement and acceptances of the Terms and Conditions. If you do not accept the Terms and Conditions relating to the RAKINSURANCE website, do not access and use the RAKINSURANCE website.

RAKINSURANCE makes no representation or warranty of any kind, express, implied or statutory regarding the RAKINSURANCE website or the materials and information contained or referred to on each page associated with the RAKINSURANCE website. Any advice or information received via the RAKINSURANCE website should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific advice by RAKINSURANCE. The material and information contained on this website is provided for general information only and should not be used as a basis for making business decisions. It is recommended to obtain professional advice and not rely on the information on the site.

Geographic, political, economic, statistical, financial data is presented in certain cases in approximate or summary or simplified form and may change over time. The editors on certain external statistical data have placed reliance, which, though believed to be correct, may not in fact be accurate. RAKINSURANCE accepts no liability for any loss or damage arising directly or indirectly from action taken, or not taken, with reliance on material or information contained on this website. In particular, no warranty is given that the economic reporting information, material or data is accurate, reliable or up to date. The data and information do not constitute specific advice but are for information purposes only.

RAKINSURANCE accepts no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of the RAKINSURANCE website, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with the RAKINSURANCE website, its contents or associated services, or due to any unavailability of the RAKINSURANCE website or any part thereof or any contents or associated services. RAKINSURANCE does not warrant that the RAKINSURANCE website, any tools such as calculators, software, information, content or online services will be error-free or will meet any particular criteria of accuracy, completeness, reliability, performance or quality.

Any hyperlinks from the RAKINSURANCE website exist for reading and information purposes and are for convenience only. RAKINSURANCE accepts no liability for any loss or damage arising directly or indirectly (including consequential loss) from the accuracy or otherwise of materials or information contained on the pages of such links or loss arising directly or indirectly from defects with such links. The sources of data in many cases are not RAKINSURANCE, therefore such data may not be accurate. We expressly disclaim all implied warranties, including, without limitation, warranties of merchantability, title, and fitness for a particular purpose, non-infringement, compatibility, security and accuracy. While we take all reasonable precautions to prevent this, we do not warrant that the RAKINSURANCE website or any software available for download via the RAKINSURANCE website is free of viruses or destructive code. RAKINSURANCE’s inclusion of hyperlinks does not imply any endorsement of the material on such sites. RAKINSURANCE does not guarantee that any e-mail from the website will be sent to you or received by RAKINSURANCE nor does RAKINSURANCE warrant the privacy and/or security of e-mails during internet transmission. The internet connection may not be a secure form of transmitting data.

Not all the services described in the RAKINSURANCE website are available in all geographical areas. You may not be eligible for all the services described. Eligibility for any such services will be at the discretion of RAKINSURANCE and subject to applicable criteria and RAKINSURANCE’s terms and conditions. All contents of the RAKINSURANCE website including, but not limited to the text, graphics, links and sounds are the copyright of RAKINSURANCE and may not be copied, downloaded, distributed or published in any way without the prior written consent of RAKINSURANCE.

RAKINSURANCE does not guarantee the safety of any transaction on the RAKINSURANCE website nor does RAKINSURANCE warrant the privacy and/or security of transactions during internet transmission. The internet connection may not be a secure form of transmitting data and executing financial transactions.

Without derogating from the generality of the above, RAKINSURANCE will not be liable for:

• any interruption, malfunction, downtime or other failure of the RAKINSURANCE website or online services, our systems, databases or any of its components, for whatever reason;
• any loss or damage arising from your orders, investment decisions, purchases or disposal of goods and services, including financial instrument(s) or currency, from third parties, based on the information provided on the RAKINSURANCE website;
• any loss or damage with regard to customer data or other data directly or indirectly caused by malfunction of our system, third-party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on our system or third-party systems; programming defects or negligence on our part;
• any interruption, malfunction, downtime or other failure of goods or services provided by third parties, including, without limitation, third-party systems such as the public switched telecommunication service providers, internet service providers, electricity suppliers, local authorities and certification authorities;
• any event over which we have no direct control.

The RAKINSURANCE website complies with the prevailing laws of the United Arab Emirates, as applicable. RAKINSURANCE controls and maintains the RAKINSURANCE website from the United Arab Emirates and RAKINSURANCE makes no representation that the material and information contained is appropriate or available for use in other locations/jurisdictions. The law of the United Arab Emirates governs the RAKINSURANCE website, and any dispute shall be subject to the exclusive jurisdiction of the Courts in the emirate of Ras Al-Khaimah.