Terms & Conditions
These Terms are a binding contract between you and Daman. By using or accessing the Daman Site, you accept and agree to be bound by these Terms. Your use of the Daman Site is governed by the version of the Terms in effect on the date the Daman Site is accessed by you. Daman may at any time and in its sole discretion vary the Terms for security, legal or regulatory reasons, or to reflect updates or changes to the services or functionality of the Daman Site, by publishing the varied Terms on the Daman Site. Daman will indicate on the Daman Site that these Terms have changed. You accept that by doing this, Daman has provided you with sufficient notice of the variation; however, Daman is under no obligation to specifically contact or notify you of any variation to these Terms. By using the Daman Site after any variation, you have indicated your acceptance of the new Terms.
USE OF DAMAN SITES
The Daman Site contains information of a general nature about Daman and Daman’s products and services. The Daman Site is intended only for your personal, non-commercial use, unless you and Daman have agreed otherwise in writing.
The information contained in the Daman Site is necessarily generalised. The insurance cover described is in summary form only, and is subject to the terms of the letter of acceptance, policy wording and schedules provided by Daman to you. You are advised to read the letter of acceptance, policy wording and schedules. While every effort has been made to ensure accuracy of the information contained in the Daman Site, no liability is accepted by Daman for any errors. Daman will endeavour to ensure that the Daman Site is available to you when you need it, and is free from viruses and unauthorised access. Daman can not and does not accept responsibility for any consequences if this is not the case. If you use the Daman Site inappropriately or maliciously you agree that you will indemnify Daman against any losses suffered by Daman as a result of or in connection with your actions.
You hereby acknowledge that you have not relied and will not rely upon any representation of fact or opinion contained in the Daman Site in relation to any current or future agreement you have or will have with Daman or any third party.
You are prohibited from posting or transmitting to or from the Daman Site any material:
a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or
b) for which you have not obtained all necessary licenses and/or approvals; or
c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in the State of Qatar; or
d) which is technically harmful (including without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).
You must not misuse the Daman Site (including, without limitation, hacking).
Daman shall fully co-operate with any law enforcement authorities or court order requesting or directing Daman to disclose the identity or locate anyone posting any material in breach of this provision.
INFORMATION FOR FOREIGN VISITORS
The Daman Site is intended to be made available only to persons residing in the State of Qatar, and the information on the Daman Site is only applicable to such persons.
NO INVESTMENT RECOMMENDATIONS OR PROFESSIONAL ADVICE
The Daman Site is not intended to provide tax, legal, insurance or investment advice, and nothing on the Daman Site should be construed as an offer to sell, a solicitation or an offer to buy, or a recommendation for any security by Daman or any third party. Unless otherwise specified, you alone are solely responsible for determining whether any investment, renewal, upgrade or any other product or service, is appropriate or suitable for you based on your objectives and personal and financial situation. You should consult a legal or tax professional regarding your specific legal or tax situation.
NON INVESTMENT ADVICE
The Daman Site does not purport to provide you with personal financial or investment advice of any kind. The information available via the Daman Site does not take account of your particular financial or insurance position or requirements. Daman recommends that you seek independent advice before acting upon the content on the Daman Site or Third Party Offers or Third Party Material.
Any information on the Daman Site about health or healthcare does not constitute medical advice and Daman shall not be liable for any circumstances arising from the use, misuse, interpretation or application of any such information.
You shall not use any information on the Daman Site, whether in whole or in part, for the purposes of diagnosis or treatment of any kind of illness.
THIRD PARTY CONTENT AND SITES
The Daman Site may contain links to websites which are owned or operated by third parties independent of Daman (“Third Party Websites”) or material (including services, information, graphics, or data) which is located on such Third Party Websites (“Third Party Material”). Daman does not guarantee the accuracy, timeliness, completeness or usefulness of any Third Party Websites or Third Party Material, and is not responsible or liable for the same. Your use of Third Party Websites and Third Party Material is entirely at your own risk.
The Daman Site may contain or link to information about special offers, deals or promotions by persons not related to or part of Daman (“Third Party Offers”). The inclusion of any Third Party Offers on the Daman Site does not imply any sponsorship, endorsement, or approval of any Third Party Offers, or Third Party Material associated with these offers.
Subject to any applicable law which cannot be excluded, Daman makes no warranties or representations:
(a) regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material, or
(b) products or services available through Third Party Websites; or
(c) that Third Party Material does not infringe the intellectual property rights of any person.
Daman is not authorising the reproduction of Third Party Material by providing links on the Daman Site to Third Party Material.
TIMELINESS OF CONTENT
Daman will use its best efforts to ensure that the content on the Daman Site is correct as of the date published or indicated, although this content may be superseded by any change in circumstances or for other reasons. In addition you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.
Because all servers have limited capacity and are used by many people, you must not use the Daman Site in any manner that could damage or overburden any Daman server, or any network connected to any Daman server. You must not use the Daman Site in any manner that would interfere with any other party’s use of the Daman Site.
MEANS OF ACCESS
The Daman Site is generally intended to be viewed by a conventional web browser. Although you may use other means to access the Daman Site, be aware that the Daman Site may not appear accurately through other access methods, and you use the Daman Site only at your own risk.
You should not access the Daman Site through devices or services that are designed to provide high-speed, automated, repeated access, unless such devices or services are approved or made available by Daman.
Certain parts of the Daman Site are protected by passwords or require a login. You must not obtain or attempt to obtain unauthorized access to such parts of the Daman Site, or to any other protected materials or information, through any means not intentionally made available by Daman for your specific use.
VALUATION TOOLS, CALCULATORS, GAMES AND OTHER FEATURES
The Daman Site may contain or make available various tools, calculation devices, software programs, games or other features.
Whilst Daman has undertaken reasonable steps to ensure that any such features or information as described above are accurate and free from defect, to the extent permitted by law, Daman does not warrant the availability, accuracy, adequacy, correctness or completeness of these features. These features are provided on an “as is” basis. The monetary figures used by these features in any calculations are estimates only and do not take account of your particular circumstances.
DAMAN’S STANDARD TERMS AND CONDITIONS APPLY
These Terms are in addition to any other agreements between you and Daman, including any customer or account agreements, and any other agreements that govern your use of the products, services, content, tools, and information available on the Daman Site. You will be bound by all additional terms, as applicable.
All applications for insurance or other products made via engagement with the Daman Site are subject to and must comply with Daman’s normal approval criteria, and are governed by the normal terms and conditions applying to each product or service requested.
Daman is regulated by the QFC Regulatory Authority and is subject to the Anti-Money Laundering and Combating Terrorist Financing Rules 2010 or as amended from time to time.
Daman does not warrant that the Daman Site will meet your needs, or that it will be uninterrupted, timely, secure, error-free or free from viruses. Daman does not warrant that the results obtained from the use of the Daman Site will be accurate or reliable, or that the quality of any products, services, information, or other material obtained by you through the Daman Site will meet your expectations. All terms implied by law, except those that can not be lawfully excluded, are excluded.
LIMITATION OF LIABILITY
Subject to any responsibilities implied by law and which can not be excluded, Daman and any of Daman’s group companies and the directors, employees, shareholders, agents and contractors, are not liable to you for any losses, liabilities, claims, damages or expenses (including, but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to the content on the Daman Site, Third Party Material, Third Party Offers, third party services, or access to the Daman Site by you, however caused, whether in contract, tort (including negligence), statute or otherwise.
Daman will not be liable to you or anyone else for any loss resulting from a cause over which Daman does not have direct control. This includes failure of electronic or mechanical equipment or communications lines (including telephone, cable and Internet), unauthorized access, viruses, theft, operator errors, severe or extraordinary weather (including flood, earthquake, or other act of God), fire, war, insurrection, terrorist act, riot, labour dispute or other labour problems, accident, emergency, Royal demise or action of government.
You indemnify Daman in respect of any liability incurred by Daman for any loss, cost, damage, or expense howsoever caused, or suffered by Daman as a result of your breach of these Terms.
AVAILABILITY OF THE DAMAN SITE
As electronic services are subject to interruption or breakdown, access to the Daman Site is offered on an “as is” and “as available” basis only.
Daman may impose limits or restrictions on the use you may make of the Daman Site. Further, for security, technical, maintenance, legal or regulatory reasons, or due to any breach of these Terms, Daman may withdraw the Daman Site at any time and without notice to you.
Access to the Daman Site may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond Daman’s control.
RESTRICTIONS ON USE OF THE DAMAN SITE
You agree that you will not (either yourself or through any third party):
(a) Use any robot, spider, screen scraper, data aggregation tool or other automatic device, routine or process (“Automated Process”) to process, monitor, copy or extract any web pages on the Daman Site, or any of the information, content or data contained within or accessible through the Daman Site;
(b) Use any Automated Process to aggregate or combine information, content or data contained within or accessible through the Daman Site with information, content or data accessible via or sourced from any third party;
(c) Use any information on or accessed through the Daman Site for any commercial purpose or otherwise (either directly or indirectly) for profit or gain;
(d) Use any Automated Process to interfere or attempt to interfere with the proper working of the Daman Site or any transaction or process being conducted on or through it;
(e) Take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to the Daman Site;
(f) Reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with the Daman Site; or
(g) Copy, reproduce, alter, modify, create derivative works from, or publicly display, any part of any content from the Daman Site without Daman’s prior written permission.
THIRD PARTY PROVIDERS TO DAMAN
COPYRIGHT AND TRADEMARKS
Copyright in all content on the Daman Site is owned or licensed by/to Daman.
Except where necessary for and incidental to personally viewing the Daman Site via your web browser, or as permitted under the applicable laws, no part of the Daman Site may be reproduced, stored (for any period of time) in an electronic or any other retrieval system, modified, adapted, uploaded to a third party location, framed, performed in public, or transmitted, in any form by any process whatsoever, without the specific prior written consent of Daman.
“DAMAN” and “Daman Health Insurance Qatar LLC” are trade marks of the National Health Insurance Company – Daman PJSC. Third party trade marks are trade marks of the respective third parties.
Your access to the Daman Site may be terminated at any time by Daman without notice to you. However, all restrictions and all disclaimers and exclusions and limitations of liability of Daman will survive any termination. Upon termination, you must not directly or indirectly access or use the Daman Site.
The law applicable to the Daman Site and to disputes arising out of the Daman Site is the law of the Qatar Financial Centre, Qatar. You irrevocably submit to the exclusive jurisdiction of the Civil and Commercial Court of the Qatar Financial Centre, and appeal therefrom.
Should any clause or part thereof of these Terms be found to be void, unenforceable or invalid, then it is severed from these Terms, leaving the remainder in full force and effect, provided that the severance has not altered the basic nature of these Terms.
You may not rely on the words or conduct of Daman as a waiver of any right unless the waiver is in writing. In this clause, “conduct” includes delay in the exercise of any right. For the purposes of this clause, “right” means any right of Daman arising under or in connection with these Terms or otherwise, and includes the right to rely on this clause.
Collection and Disclosure of Personally Identifiable Information
Notice of Information Practices
Daman collects two types of information about its customers and all visitors to the Daman Site: (1) personally-identifiable information provided by you as well as information Daman learns about you from your use of Daman’s services and the Daman Site; and (2) aggregate information that can’t be used to identify a particular visitor (see “Cookies” section below).
Daman collects personally-identifiable information about you only when you specifically provide it to Daman. Daman does not disclose this information to third parties except as required to provide information service(s) to you, to operate the Daman Site, or as required by law or any court of competent jurisdiction.
Daman may collect additional information from you in relation to promotions that Daman runs, and also any information you provide when corresponding with Daman.
Your information may be used by Daman, or by third parties specifically selected by Daman, for the following purposes:
a) Ensuring that the content of the Daman Site is presented in the most effective manner for you and for your computer.
b) Providing you with information relating to products or services that you request from Daman or which Daman feels may interest you, where you have consented to be contacted for such purposes(consent checkbox on webpage necessary?).
c) Carrying out Daman’s obligations arising from any contracts entered into between you and Daman.
d) Notifying you about changes to Daman’s service, where applicable.
Protecting Your Personal Information
Unfortunately, the transmission of information via the internet is not completely secure. Although Daman will do its best to protect your personal data, Daman cannot guarantee the security of your data transmitted to the Daman Site. Any transmission of data is at your risk.
Daman recognises industry standards and employs security safeguards to protect personally identifiable information from unauthorised access and misuse. All information you provide to Daman is stored on secure servers. Daman does not disclose to third parties any personally identifiable information that you provide, except as necessary to provide (a) any services in relation to your health insurance policy to you or (b) information regarding products or services which may be of interest to you. Once Daman has received your information, Daman will use industry procedures and security features to try to prevent unauthorised access to that information.
Common Web Technologies
Daman employs common web technologies that help to manage the Daman Site, among them:
Website Usage Data – With or without cookies, the Daman Site keeps track of usage data, such as the source address that a page request is coming from (i.e. your IP address, domain name), date and time of the page request, the referring website (if any), and other parameters in the URL (e.g. search criteria). Daman only uses this data to better understand website usage in the aggregate to determine which areas of the Daman Site users prefer (e.g. based on the number of visits to those areas). This information is stored in log files and used for aggregated and statistical reporting. It is not attributed to you as an individual.
Disclosure of your information
Daman may disclose your personal information to any member of the Daman group of companies, which means Daman’s subsidiaries, Daman’s ultimate holding company and its subsidiaries.
Daman may disclose your personal information to third parties in the following circumstances:
a) In the event that Daman sells or buys any business or assets, in which case Daman may disclose your personal data to the prospective seller or buyer of such business or assets.
b) If Daman or substantially all of Daman’s assets are acquired by a third party, in which case personal data held by Daman about its customers will be one of the transferred assets.
c) If Daman is under a duty to disclose or share your personal data in order to: (i) comply with any legal obligation; (ii) enforce or apply Daman’s Terms and/or any other agreements; or (iii) protect the rights, property, or safety of Daman, its customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
You have the right to ask Daman not to process your personal data for marketing purposes. Daman will usually inform you (before collecting your data) if it intends to use your data for such purposes or if Daman intends to disclose any of your information to any third party for such purposes. You can exercise your right to prevent such processing by contacting Daman at:
Daman Health Insurance Qatar LLC
Palm Tower B, Suite 2904
P.O. Box 16798
Tel: +974 4016 0333
Fax: +974 4016 0339
Access to and correction of your information
You have the right to access and request correction of information held about you by contacting Daman directly using the contact details given above. You may request that Daman correct any erroneous personal information that Daman holds about you.
Daman Health Insurance Qatar LLC
Palm Tower B, Suite 2904
P.O. Box 16798
Tel: +974 4016 0333
Fax: +974 4016 0339
Authorised by QFC Regulatory Authority, Registration number 00142