1. Service Owner

National Life & General Insurance Company SAOG (NLGIC)
PO Box: 16366, PC: 35854 AL-QADISIYA, STATE OF KUWAIT
Email: info.kwi@nlicgulf.com

Phone: +965 22060719 Fax: +965 22060721

2. This Application

NLGIC Mobile or Internet Application referred to as “this Application”

3. Services

Services provided by NLGIC through this application allows the User to avail certain services including but not limited to getting insurance policy quotes, submitting proposals, purchase of policies, etc. NLGIC reserves the rights to add and remove functionalities or features as well as suspend or even discontinue the Service, either temporarily or permanently. In case of final discontinuation, NLGIC will do the utmost to allow Users to withdraw their information held by NLGIC.

4. Use of Services

You hereby irrevocably authorize NLGIC to accept and act upon Transactions instructed to NLGIC and You will be bound by all such instructions and Transactions initiated or concluded through the Facility including submission of Proposal Form, payment of all related premiums, charges, expenses as required or requested by NLGIC.
You accept that the cut-off time for a business day is the same as NLGIC's normal business hours at Kuwait from Sunday to Thursday subject to private sector holidays. All requests received after the cut-off time or on a bank holiday will be deemed to have been received on the following business day.
You agree that NLGIC shall in no circumstances be liable for any loss or damage arising from requests submitted to NLGIC where the time of receipt of such requests by NLGIC does not fall during the normal business timings of NLGIC.
You accept that any Transaction will only be completed as and when the process is successfully concluded and thereafter acknowledged by NLGIC.
In consideration for access to the Services and for Your use of the Services, you agree to, provide true, accurate, and current and complete information and data and all other information as prompted or required by the Services.
If You provide any information that is untrue, inaccurate, not current or incomplete, or not kept current, or if NLGIC has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, NLGIC has the right to suspend or terminate the Services and/or Your quotation and/or Your Policy (if issued) and/or Your access to the Services (or any portion thereof).
In the event that any untrue or inaccurate information or information not current or complete has formed the basis of any Transactions including issuance of Policy, the said Transactions shall be either voidable at the option of NLGIC, or wherever applicable or necessary void ab-initio. In the event of not providing true, correct and complete data and information the Services could also fail or be deficient.
You hereby undertake to have clearly understood and to be in agreement that:
(i) If any detail mentioned and/or declared to NLGIC through the Services including the submitted Proposal Form is found fraudulent and/or unfounded, NLGIC reserves its right to forfeit all benefits payable under the Policy and/or consider the Policy as void/void ab-initio at NLGIC’s sole discretion without recourse to the Customer.
(ii) The observance by the Customer of the terms of the issued insurance Policy and the truth of statements and answers by You/the Customer in the Proposal Form and/or any other material information provided through the Services shall be condition precedent to any liability of NLGIC. If the circumstances in which the Insurance Policy was issued are materially altered without the written consent of NLGIC, the Insurance Policy may be considered null and void.
(iii) Please ensure that you are at all times in compliance to the Policy terms and conditions, which at all times shall supersede and prevail.

5. Registration of User

In order to use these Services or any part of it, User must register in a truthful and complete manner by providing all the required data in the relevant registration form. The Users must also accept the privacy policy and these terms and conditions in full. Users are responsible for keeping their login credentials confidential. It is understood that the NLGIC shall not be held responsible under any circumstances in case of loss, disclosure, theft or unauthorized use by third parties, for whatever reason, of the user’s access credentials or any resulting pecuniary losses. NLGIC, in case of the breach of the Terms and Conditions by the User, reserves the right to suspend or terminate the User’s account at any time without notice.

6. Termination of User

Registered users can cancel their accounts and stop using the Service at any time, through the interface of this Application or directly by contacting the Service Owner.

7. Responsibilities of the User

The User is responsible for:
• Responsibility for ensuring the mobile device or other devices used to access this Application are safe and free from any virus and that they are adequately protected against encountering viruses, malwares.
• The User hereby irrevocably and unconditionally accepts responsibility and liability for any and all transactions arising from the use of this Application without limitation;
• It is the User’s responsibility to ensure that payment details are input correctly. The NLGIC is under no obligation to verify these details and the User will be solely liable for any misdirected funds due to their error;
• The User agrees not to interfere with or damage (or in any way attempt to) any data, software or security associated with this Application;
• Failure by the User to comply with their responsibilities, obligations and these Terms and Conditions entitles the NLGIC to terminate the Users access to this Application.

8. Transactions

Motor Insurance Product description
The Motor own damage insurance policies provide cover against loss or damage to the insured vehicle caused as a result of using any vehicle registered for road use in public places (except for the civil liability) and according to terms, conditions & limits of coverage as mentioned in the policy schedule including those overleaf & the clauses attached.

Get a Quote
The User can get an insurance quote for insurance policies offered through this Application.

Purchase Policy
On their own discretion, the User may choose to purchase the insurance policy online through this Application.

Currency
KWD – Kuwaiti Dinar is the currency used for online payment.

Methods of Payment
The User can make payment by using their Credit Card or Debit Card
The user shall ensure that enough balance is maintained in the Credit Card or Debit Card to avoid payment decline issues.

Duration of the Policy
Unless stated otherwise, the insurance policy coverage is for a period of 1 (one) year from the date of purchase of an insurance policy, the validity is subject to payment of premium and successful receipt such payment by NLGIC, any renewal of the policy(s) shall be as per the terms and conditions pertaining to the policy document.

Delivery Policy schedule will be sent by email to the User’s registered email address registered in the application, other related physical documents if any shall be collected from National Life & General Insurance Company, Kuwait Branch Motor Insurance Department located at Mazaya Tower – II, Floor-20, Khalid Ibn Al-Waleed Street, Sharq, Kuwait.

Cancellation/Refund a) The User can initiate a request for a Cancellation/Refund for the policies purchased through this Application by submitting the request for cancellation subject to the terms and conditions of the policy document. These requests should be submitted in person at National Life & General Insurance Company, Kuwait Branch Motor Insurance Department located at Mazaya Tower – II, Floor-20, Khalid Ibn Al-Waleed Street, Sharq, Kuwait.
b) For any requests or issues related to any amounts/charges paid through the Services, you should contact NLGIC in person at their Kuwait Main branch office with at least the below information:
o Insurance Policy number, date of Transaction and the amount of premium paid through the Services;
o Your detailed contact information and proof of relationship with insured (if different);
o Proof of premium payment through the Services e.g. Your credit card statement;
o Explanation of reason for issues/concerns;
o Any relevant supporting documents

c) Notwithstanding the above, you hereby acknowledge that premium refunds are subject to the detailed terms and conditions of respective Insurance Policy, which You hereby re-confirm to have completely read, understood and agreed upon prior to paying any premium through this Services. You hereby acknowledge that if at all the Policy terms allow any premium refund then it may take up to 30 business days post receiving your premium refund request for NLGIC to process the request and/or further communicate with You.
Any Transactions initiated by You shall be deemed to be that of and initiated by You and NLGIC is not responsible for any misuse of the Services. It is Your responsibility to ensure that no unauthorised person has access to its computer unattended whilst accessing the Services. If third parties gain access to the Services or any of the Services offered as part of the Services through your computer, mobile and other electronic devices, you shall be deemed to be responsible and You hereby agree to fully indemnify and hold harmless NLGIC against any liability, costs or damages arising out of claims or suits by or against such third parties based upon or relating to such access and misuse. Under no circumstances shall NLGIC or anyone involved in creating, producing, delivering or managing the Services be liable for any direct, indirect, incidental, special or consequential damages that result from the use of the Services including any of the Services.
The receipt of the filled-up Transaction request/form and payment of any amount/ premium by NLGIC does not create any obligation upon NLGIC to underwrite the risk. NLGIC will not be liable until it has underwritten the risk and specifically issued the Policy/verified and completed the Transaction. NLGIC retains the right to decline, reject, suspend, put on hold, request more clarification/information on any proposal/Transaction submitted through the Services You understand that the quoted amounts may increase or decrease and terms and conditions may be amended/supplemented basis the underwriting risk assessment done by NLGIC. The availability of any information, advice and guidance, if any, on the website, does not constitute a recommendation or representation by the Company for buying any policy. Any decision to purchase a policy will and should be based solely on Your own evaluation of Your requirements and the terms, conditions and exclusions of the Policy offered by the Company. Any submission/intimation of claim form does not constitute acceptance of liability by NLGIC.
In the event of any conflict in the premium amount (whether displayed or paid) through the Services and the actual premium amount required by NLGIC for issuance or renewal of Your insurance policy, the actual premium amount as required by NLGIC for issuance or renewal of Your insurance policy shall at all times supersede and prevail. For avoidance of doubt, you clearly understand that premium payment through the Services does not mean or imply issuance of applied insurance policy. You also understand and agree that NLGIC will not be under any obligation or liability till such times the required premium amount has been received by NLGIC in full and based on NLGIC’s underwriting criteria and decision the insurance policy has actually been issued by NLGIC. NLGIC is further not liable for any delayed Transaction or non-delivery or non-issuance of the applied insurance policy for any reason whatsoever.
By using a credit or debit card to pay any amount/charges through the Services, you confirm that the card being used is Yours and has been legitimately obtained from either a licensed bank or any other financial institution duly licensed to issue such cards. In the event of any decline of payment authorisation by your credit card issuer, NLGIC shall not be under any obligation to inform You of the reason for the refusal and NLGIC may decline that Transaction.
Unless otherwise mentioned, all amount/charges displayed on the Services are in Kuwaiti Dinars. NLGIC shall not be responsible for your card issuer or bank charging You as a result of processing of your credit card payment through the Services including any currency conversion charges.
You understand that your Transaction will only be completed when NLGIC acknowledges and separately confirms to You that the specific Transaction has been successfully concluded.
You hereby acknowledge that NLGIC is required to comply with relevant provisions of sanctions and the anti-money laundering and anti-terrorist financing laws of State of Kuwait, as well as all related laws and instructions issued by the Central Bank of Kuwait from time to time and You agree to provide all relevant details/records to NLGIC promptly upon NLGIC’s request.
You further agree and fully authorize:
i. NLGIC to use any of its approved verification agencies to make references/inquiries about or related to You from any source of information, or any person or entity nominated herein;
ii. all financial institutions, bank, debt collection agencies, credit bureaus or any other person or entity to disclose and provide NLGIC with any information requested about or related to You as in its possession;
iii. any of Your past/present employer/business associates, any person, institution, Auto dealers/Garages/ medical practitioner(s) /hospitals/laboratories/medical providers, insurance companies, financial institutions to release to NLGIC all details, records, facts and information (including claim history/details, KYC records, AML-CTF & FATCA details) as required anytime by NLGIC for any reasons whatsoever including for assessment, underwriting of risk and/or for processing of claims.
iv. NLGIC at any time and at its absolute discretion, to use and/or disclose the particulars and information provided in the Insurance Policy or the application or any information relating to Your liabilities towards NLGIC, or any other financial information including any breach of obligations or defaults (including in premium payment or repayment) or any other financial information to any other entity, organization, financial institutions or banks, debt collection agencies or credit bureaus;
v. NLGIC and its associate partners to contact You anytime (including electronically through email, SMS or telephone) for seeking any additional information and/or for providing any additional information whether related to the Insurance Policy and/or informing about any other NLGIC’s products or promotions; vi. NLGIC to use, process and/or transfer (including outside KUWAIT our office locations) any of Your personal data/Personal Information to its service providers/third parties as may be required by NLGIC to perform its obligations.

You hereby declare and accept that NLGIC is under no obligation and assume no responsibility for defamatory, libellous, slanderous, falsehood, obscene, pornographic, profane or any dangerous content posted on or through the Services by You or any other person/third Party. You hereby understand and undertake not to post or transmit any unlawful, threatening, libellous, defamatory, obscene, scandalous, inflammatory, pornographic, profane or hate material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. You hereby understand that NLGIC will fully cooperate with any law enforcement authorities or court order requesting or directing NLGIC to disclose the identity of anyone posting any such information or materials.
Any quotation displayed through the Services is valid for that time period once it is generated and may only be used during this period to complete the transaction of purchase of a Policy. You agree that You shall be the sole and exclusive user of any quotation generated on Your behalf using Your personal information and You accept sole responsibility for use, confidentiality and protection of the same. NLGIC will be required to share the quotation details generated by You to third party service providers for processing the Transactions including for initiating premium payments. Please note that quotation should not be revealed to any third party/person. NLGIC would be entitled at its sole discretion to seek offline written or other confirmation from You regarding any Transaction carried out through the Services. Under no circumstances the Company or anyone involved in creating, producing, delivering or managing the Services therein, shall be liable to You for any direct, indirect, incidental, special or consequential damages that result from the use of or inability to use the Services which are provided on the Services or out of any breach of any warranty.
You hereby further agree to pay to NLGIC any charges/amounts for use of Services if and as and when applied by NLGIC from time to time.

9. Indemnity

The User agrees to indemnify and hold NLGIC and its subsidiaries, affiliates, officers, directors, agents, co-branders, partners and employees, as the case may be, harmless from and against any claim or demand, including without limitation, reasonable lawyer’s fee and related costs, made by any third party due to or arising out of the use of or connection to the Service, violation of these terms, or violation of any third-party rights.

10. Forbidden Use

The service shall be used only in accordance with these Terms and Conditions.


Users may not:
• reverse engineer, decompile, disassemble, modify or create derivative works based on this Application or any portion of it;
• circumvent any technology used by this Application or its licensors to protect content accessible via it;
• copy, store, edit, change, prepare any derivative work of or alter in any way any of the content provided through this application;
• use any robot, spider, site search/retrieval application, or other automated device, process or means to access, retrieve, scrape, or index any portion of This Application or its content;
• rent, lease or sublicense this Application;
• defame, abuse, harass, use threatening practices, threaten or violate the legal rights of others in any other way (such as rights of privacy and publicity);
• disseminate or publish content that is unlawful, obscene, illegitimate, defamatory or inappropriate;
• use this Application in any other improper way that violates these Terms and Conditions

11. Privacy Policy

For information about the use of their personal data, Users must refer to the Privacy Policy of this Application, which is hereby considered to be part of these Terms.

12. Copyright

All trademarks, nominal or figurative, and all other marks, trade names, service marks, word marks, illustrations, images, or logos that appear concerning this Applications are, and remain, the exclusive property of the NLGIC or its licensors and are protected by the laws in force on trademarks and by related international treaties.

13. Privacy Policy

For information about the use of their personal data, Users must refer to the Privacy Policy of this Application, which is hereby considered to be part of these Terms.

14. Limitations of Liability

This Application and all functions accessible through this Application are made available to the users under the Terms and Conditions of the Agreement, without any warranty, express or implied, that is not required by law. In particular, there is no guarantee of suitability of the service offered for the User’s specific goals. This Application and all functions accessible through this Application are used by the Users at their own risk and under their own responsibility. Therefore, the Service Owner shall not be liable for:
o Any losses that are not direct consequence of the breach of the Agreement by the Service Owner;
o Any loss of business opportunities and any other loss, even indirect, that may be incurred by the User;
o Damages or losses resulting from interruptions or malfunctions of this Application due to acts of force majeure, or at least to unforeseen and unforeseeable events and, in any case, independent of the will and extraneous to the Service Owner’s control, such as by way of example but not limited to, failures or disruptions of telephone or electrical lines, the internet and/or other means of transmission, unavailability of websites, strikes, natural disasters, viruses and cyber-attacks, interruptions in the delivery of products, third party services or applications;
o Incorrect or unsuitable use of this Application by Users or third parties
o For any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with usage or any inability to use the application by any party, or in connection with any failure of performance, error, omission, interruption.

15. Changes to these Terms

The Service Owner reserves the right to modify these Terms and Conditions at any time, informing Users by publishing a notice within this Application. Users who continue to use this Application after the publication of the changes accept the new Terms in their entirety.

16. Assignment of contract

The Service Owner reserves the right to transfer, assign, dispose of by subcontract all or any rights or obligations under these Terms, as long as the User’s rights under the Terms are not affected. Users may not assign or transfer their rights or obligations under these Terms in any way without the written permission of the Service Owner.

17. Changes to these Terms

All communications relating to this Application must be sent using the contact stated in beginning of this document.

18. Severability

If any provision of these Terms and Conditions is invalid or unenforceable, that clause will be removed and the remaining provisions shall not be affected and shall remain in force.

19. Governing Law and Jurisdiction

These Terms and Conditions, access to this Application and use of the Services provided therein shall be governed by the laws of the State of Kuwait. The User admits to the exclusive jurisdiction of courts in Kuwait. NLGIC reserves the right to pursue its remedies outside of Kuwait in the courts of any other jurisdiction, if so was considered more appropriate for NLGIC.

DEFINITIONS

Terms and Conditions (or Terms)

These terms and conditions, which constitute a legally binding agreement between the User and Service Owner

Service Owner or Owner

NLGIC

Service

The service(s) offered by the Service Owner to the User through NLGIC Mobile or Internet Application

User

The natural or legal person who, makes use of the Products or Services provided by the Service Owner