Terms and Conditions

Introduction Terms and Conditions of Car and Home Insurance Products and Services

Please read these Website Terms of Use carefully before using the site.
Introduction

Thank you for visiting https://joinhala.com.

In these website terms of use (Terms), references to we, us, our means Hala Insurance Agency LLC. References to you and your are to users of our website.

By using our website you accept these Terms

These Terms, together with the documents referred to in it, set out the terms and conditions on which you make use of https://joinhala.com. Please read these Terms carefully before you start to use https://joinhala.com. By using our website, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms you must not use our website.

Other Terms that may apply to you

These Terms refer to the following additional terms, which also apply to your use of our website:

  1. our Privacy Policy https://joinhala.com/ae/en/privacy-policy;
  2. our Acceptable Use Policy https://joinhala.com/ae/en/acceptable-use, which sets out the permitted uses and prohibited uses of our site. When using our site, you must comply with this Acceptable Use Policy;
  3. our Cookie Notice https://joinhala.com/ae/en/cookies, which sets out information about the cookies on our site; and
  4. if you purchase goods from our site, our terms and conditions of supply https://joinhala.com/ae/en/terms-and-conditions will apply to the sales.
Who we are and how to contact us

https://joinhala.com is a website operated by Hala Insurance Agency LLC. Our registered address is 134, Al Zahiyah St, Al Zahiyah, Abu Dhabi, United Arab Emirates

If you have any queries or concerns regarding https://joinhala.com or the information contained on it, please contact us at support@joinhala.com.

Website Content

The content on our website is provided on an "as is" basis and all information, commentary and other materials displayed on our website are intended for general information purposes only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our website.

We update our website regularly and may change the content at any time. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date. Therefore, we disclaim all liability and responsibility arising as a result of any reliance placed on such information, commentary or other materials contained on https://joinhala.com by any visitor to our website or by anyone who may be informed of any of its content.

Restrictions on access and use
Website access

Our site is made available free of charge. We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. If our website is unavailable for any reason and at any time (including for any period of time), we shall not be liable to you for such an occurrence.

To register on our website you must be 18 years or older. Only one registration is allowed per person and once registered, you must ensure you keep your registration information up-to-date.

Suspension, withdrawal and restriction of access

We may in our absolute discretion, suspend, withdraw or restrict access to all or some parts of our website to any persons, which shall include, for the avoidance of doubt, users who have registered with us.

Termination of access

We may in our absolute discretion, terminate your access to https://joinhala.com/ at any time and without notice.

User ID and password

If you establish an account on https://joinhala.com you are responsible for maintaining the confidentiality of your user ID and password, and you are responsible for all activities that occur under that user ID or password. You agree that you will not allow anyone to use your account and that you will not use anyone else's account.

We have the right to disable any user ID or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.

If you know or suspect that your user ID or password has been unlawfully disclosed or there has been a known or possible breach of security, you must promptly notify us at support@joinhala.com.

How you may use material on our site

All intellectual property rights contained in the website and all materials published on the website are owned and/or licensed by us with all such rights reserved.

Except as expressly provided in these Terms, no part of https://joinhala.com may be copied, reproduced, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way (including mirroring) to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without the express written consent of Hala Insurance Agency LLC.

You may download publicly-available content on https://joinhala.com only for your personal, non-commercial use, provided that:

  1. you keep intact all copyright and other proprietary notices; and
  2. if your copying or use of copyrighted materials on https://joinhala.com is other than "fair use" under applicable copyright laws, you must seek permission directly from us.

If you print off, copy or download any part of our website in breach of these Terms, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Linking to and from our site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked sites or information you may obtain from them. We have no control over the contents of those sites or resources. We exclude, to the fullest extent permitted by law, all liability that may arise in connection with or as a result of such external site material causing any damage, costs, injury or financial loss of any kind.

You may link to our home page, provided you do so in a way that is fair and legal and does not damage, or take advantage of, our reputation. You must not establish a link in a way which suggests any form of association, approval or endorsement on our part where none exists. You must not establish a link to our site in any site that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice. The site in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy https://joinhala.com/ae/en/acceptable-use. If you wish to link to or make any use of content on our site other than that set out above, please contact us at support@joinhala.com.

Uploading content to our website

Whenever you make use of a feature that allows you to upload content to our website, or to make contact with other users of our website, you must comply with the content standards set out in our Acceptable Use Policy https://joinhala.com/ae/en/acceptable-use.

You warrant that any such contribution does comply with those content standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

Any content you upload to our website will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us and other users of our site a limited licence to use, store and copy that content and to distribute and make it available to third parties. We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our website constitutes a violation of their intellectual property rights, or of their right to privacy.

We have the right to remove any posting you make on our website if, in our opinion, your post does not comply with the content standards set out in our Acceptable Use Policy https://joinhala.com/ae/en/acceptable-use.

You are solely responsible for securing and backing up your content.

User-generated content is not approved by us

This site may include information and materials uploaded by other users of the site, including to bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values. If you wish to complain about information and materials uploaded by other users please contact us at support@joinhala.com.

We are not responsible for viruses and you must not introduce them

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programs and platform to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our website. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Data Protection and Privacy

We shall comply with all applicable data protection legislation, including the General Data Protection Regulation ((EU) 2016/679), and any other national implementing laws, regulations and secondary legislation relating to data protection or privacy, as each of the foregoing may be amended, updated, consolidated, replaced and/or re-enacted from time to time.

We shall use and process your personal information in accordance with our Cookie Notice https://joinhala.com/ae/en/cookies and Privacy Policy https://joinhala.com/ae/en/privacy-policy.

Our Liability

Whilst we try to ensure that all information on https://joinhala.com is accurate, no guarantees, representations or warranties are given that the content of our website is accurate, complete, up-to-date or error free. Use of https://joinhala.com is entirely at your own risk.

To the fullest extent permitted by law, we hereby expressly exclude:

  1. all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity; and
  2. any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our website or in connection with the access, use, inability to use, or results of the use of our website, any websites linked to it and any materials posted on it, including liability for:
    1. loss of business;
    2. loss of income or revenue;
    3. loss of profits or contracts;
    4. loss of anticipated savings;
    5. loss of data;
    6. loss of goodwill;
    7. wasted management or office time;
    8. loss or damage caused to any equipment or software; or
    9. any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses, malicious code or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of https://joinhala.com or to your downloading of any material posted on it, or on any website linked to it.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraud or fraudulent misrepresentation, or any other liability which cannot be excluded or limited under applicable law.

Severability

In the event any provision or part-provision of these Terms is found by any court or other authority of competent jurisdiction to be invalid, unlawful or unenforceable, that provision or part-provision shall, to the extent required, be deemed not to form part of these Terms and the validity and enforceability of the other provisions of these Terms shall not be affected.

Variation

Hala Insurance Agency LLC may at its sole discretion amend these Terms at any time. Every time you wish to use our website, please check these Terms to ensure you understand the terms that apply at that time.

Governing Law and Jurisdiction

These Terms shall be governed by, and construed in accordance with, the laws of England and Wales. Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity or termination, or arising from or related to use of our website, shall be subject to the exclusive jurisdiction of the Courts of Abu Dhabi Global Market.

Hala Referral Program

The following terms and conditions (“Referral T&Cs”) in respect of the Hala’s Referral Program (“Program”) shall govern the relationship between Hala and you, being the user of the Program on Hala’s website and/or digital application (as the case may be).

You agree to grant Hala the right to collect, store and process any information or data you provide to Hala and to use information and data about your use of the Program.

By agreeing to provide consent for using this Program offered by Hala on the Site and/or the App (as the case may be), you agree to these Referral T&Cs, without limitation or exception, and acknowledge that you have read them, and understood the same, in their entirety.

Hala may share any information and data with third parties based on your permission obtained for using this Program offered by Hala on its website and/or digital application (as the case may be), and you hereby explicitly agree to the collection and use of such data by Hala for the purpose described herein.

Hala and or third parties may use such information or data provided by you under the Program to identify you on social media platforms in order to provide you with the latest products, offers or incentives offered by Hala or such third parties.

Hala reserves the right to update and to change these Referral T&Cs at any time and at its sole discretion with or without notice.

Whilst we shall use our best endeavours to resolve any complaint you may have in relation to the Program, Hala reserves the right to decide on any appropriate actions, without any commitment on our part to take specific actions and/or transfer the complaint to the authorities in case a situation arises.

You authorize Hala and its representatives to contact you with reference to your application(s) of this Program. This consent will override any registration for “Do not Contact” (Call, SMS, Email).

Hala is an insurance agent and it is desirous of gaining additional customers for the purposes of buying car insurance products. You, as the referrer, are in a position to refer potential customer(s) (who is not already an existing customer of Hala or its underwriter) to Hala.

You, as the referrer may, from time to time, refer potential first-time customer(s) (i.e., a UAE resident qualified to purchase car insurance product(s) who is not already an existing customer of Hala or its underwriter) to Hala. Subject to these Referral T&Cs, Hala shall reward the referrer for these referrals that became first time Hala customers by obtaining an active car insurance with Hala within sixty (60) days of referring.

Hala shall reward the referrer for each successful referral in accordance with the preceding paragraph. The nature of the reward and its value may be varied by Hala from time-to-time at its sole discretion. The reward cannot be exchanged for cash and/or other products / services.

Hala shall not reward a referrer for unsuccessful referral of a prospect that does not become a customer of Company in accordance with the preceding paragraph.

Hala reserves the rights to cross-check the details of any potential first-time customer(s) submitted to the Program against the customer databases of Hala and/or its underwriter. If any such potential first-time customer is believed not to be a first-time Hala customer, we shall inform the referrer of the same accordingly. Any falsified and/or fraudulent referrals, together with the relevant referrer, shall be reported to the applicable authorities accordingly.

These Referral T&Cs shall commence upon the date the referrer registers to the Program, and Hala reserves the rights to cancel the program at any time.

If you do not agree with these Referral T&Cs, which you cannot modify, you must not subscribe to Program. Should you have any queries relating to the Program, please do not hesitate to contact us via e-mail: support@joinhala.com.