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Welcome to Al Koot Insurance and Reinsurance Co. These Terms and Conditions ("Terms") govern your use of our website, mobile applications, and any related services or interactions with us. By accessing or using our services, you agree to comply with these Terms. If you do not agree, please refrain from using our services.
Definitions
"Company," "we," "our," or "us" refers to [Company Name], an entity licensed and regulated by the Qatar Central Bank (QCB).
"User" or "you" refers to individuals or entities accessing our website or using our services.
"Policy" refers to the insurance contract issued by the Company to the Policyholder.
General Conditions
All insurance products and services offered by the Company are subject to the terms, conditions, and exclusions outlined in the respective policy documents, which comply with the regulations of the Qatar Central Bank (QCB).
The availability of products and services may vary based on regulatory approvals in Qatar.
Website and Mobile Application Use
The content provided on our website or mobile application is for informational purposes only and does not constitute an offer or solicitation to purchase insurance products.
We make every effort to ensure the accuracy of the information but do not guarantee its completeness or suitability for your specific needs.
Unauthorized use of the website or its content is prohibited.
The website and services comply with Qatari laws, including but not limited to the Qatar Cybercrime Prevention Law No. (14) of 2014.
Customer Obligations
You are responsible for providing accurate and complete information when purchasing a policy or requesting a quote
Any failure to disclose material facts may result in the rejection of claims or cancellation of the policy, in compliance with applicable Qatari laws.
Policy Issuance and Renewals
Policies are issued upon successful application, verification, and receipt of payment in accordance with QCB regulations.
Renewal notices will be sent in accordance with the policy terms; however, the responsibility for renewing the policy rests with the policyholder.
Premium Payments
Premiums must be paid in full by the due date specified in the policy and in compliance with QCB's guidelines on payment terms.
Failure to pay the premium may result in the termination or suspension of coverage.
Claims
Claims must be submitted in accordance with the procedures specified in the policy, subject to the provisions of QCB Circulars governing claims management.
The Company reserves the right to investigate claims and request supporting documentation to validate eligibility.
Disputes regarding claims will be resolved in accordance with applicable Qatari laws.
Limitation of Liability
The Company is not liable for any loss or damage arising from the use of this website, delays in service delivery, or inaccurate information provided by the user.
Coverage is subject to the specific terms of the policy, and the Company’s liability is limited to the extent outlined in the policy and as permitted under Qatari law.
Data Privacy and Security
Your personal data will be collected, used, and protected in accordance with Qatari Data Protection Law No. (13) of 2016.
The Company employs reasonable security measures but does not guarantee complete security against unauthorized access or data breaches.
Governing Law and Jurisdiction
These Terms are governed by the laws of the State of Qatar.
Any disputes arising under these Terms will be resolved exclusively in the courts of Qatar, in accordance with the applicable regulations.
Regulatory Compliance
The Company operates under the licensing and regulatory framework of the Qatar Central Bank (QCB).
All products and services comply with QCB Circulars, directives, and applicable laws in Qatar.
Amendments
The Company reserves the right to amend these Terms and Conditions at any time in line with regulatory requirements.
Continued use of our services constitutes acceptance of the revised Terms.
Contact Information
For any inquiries or clarifications, please contact:
Al Koot Insurance & Reinsurance Company
Building No. 44, Street No. 840, Zone No. 24, Al Rawabi Street, P.O. Box 24563, Doha – Qatar
+974 4040 2999
Regulated by Qatar Central Bank (QCB)
