Beema Website
Terms of Use

The following section sets out the terms and conditions relating to your use of: (a) the Beema website content under the domain name “www.beema.ae” and other associated URLs (the “Site”); and/or (b) the Beema digital application under the name “Beema” (the “App”); and/or (c) any correspondence by e-mail and/or electronic messages between us and you. In these terms of use, “our”, “we”, and “us” refer to Beema Insurance Services LLC, a limited liability company registered in the Emirate of Dubai, United Arab Emirates, and registered with the UAE Insurance Authority with registration number 768 (“Beema”), and “you”, “your” or “customer” means the user of the Site and/or the App. The Site and the App are operated by Beema, and by using our Site and/or our App, you agree to be bound by these terms and conditions which may be varied by Beema in writing from time to time. These terms supersede any terms agreed to by you and Beema. You will also be bound by Beema’s privacy policy, which may also be varied from time to time at Beema’s sole discretion, so you are kindly requested to refer to this link for more information.

Our services constitute a digital technology platform that enables you to enquire and purchase motor insurance products and related services from our appointed insurance services provider (“Beema Services”). When using the Beema Services, you agree to comply with all applicable laws and regulations in the United Arab Emirates. Unless otherwise agreed by Beema in a separate written agreement with you, the Beema Services are made available solely for your personal and non-commercial use. Please note that we may add additional services from time to time to our existing Beema Services provided by us. Any such additions or amendment will be reflected in these terms and conditions, and you will be notified accordingly via the Site and the App.

In order to benefit from the Beema Services, you must download the App on your smart device(s), follow the instructions and provide all required information in order to create your personal account (“Account”), and allow us to provide you with the Beema Services. You should provide personal information requested by Beema in order to create the Account, and you hereby allow Beema to collect your personal information in accordance with our Privacy Policy. We may send you informational and marketing e-mails, SMS and/or push-notifications (as the case may be) unless you choose not to receive the same. You are responsible for all activities that occur under your Account, and you agree to maintain the security and secrecy of your Account username and password at all times. You may not authorize third parties to use your Account. You may not assign or otherwise transfer your Account to any other person or entity. If you have reason to believe that your Account is being used in an unauthorized manner, please inform us immediately via support@beema.ae.

You are responsible for obtaining the data network access necessary to use the Beema Services. Your mobile network’s data and messaging rates and fees may apply if you access or use the Beema Services from a wireless-enabled device. You are responsible for acquiring and updating compatible hardware or devices necessary to access and use the Beema Services and any updates thereto. Beema does not guarantee that the Beema Services, or any portion thereof, will function on any particular hardware or devices. In addition, the Services may be subject to malfunctions and delays inherent in the use of the internet and electronic communications. You may only access the Services by using authorised means, and Beema reserves the right to terminate the Beema Services if you use the same with an unauthorised device.

All copyright, designs, graphical and text arrangements, logos, trademarks, database rights and any other intellectual property rights in all material on the Site and the App are owned by Beema or its licensors.

Subject to your compliance with these terms and conditions, Beema grants you a limited, non-exclusive, non-sublicensable, revocable, non-transferrable license to:

• access and use the Beema Services on your personal mobile device(s) or computer(s) solely in connection with your personal and non-commercial use of the Beema Services.
• access and use any content, information and related materials that may be made available through the Beema Services, in each case solely for your personal and non-commercial use. Any rights not expressly granted herein are hereby reserved by Beema and its licensors.

The Site and the App are intended for your personal non-commercial use only. Interference or entry to the Site and/or the App with intent to corrupt, damage, deny service from the Site and/or the App, or for commercial benefit is taken seriously, and we will take any action necessary to protect the Site and/or the App from such activities. You acknowledge that damages may not be an adequate remedy for any infringement and that we are entitled to the remedies of injunction, specific performance (where applicable), an order to deliver up materials which infringe our intellectual property rights and any other statutory or equitable relief and that no proof of special damages is necessary for reliance on such remedies.

We have taken great care in preparing our Site and our App. However, please kindly note that certain technical issues may arise from time to time that are beyond our control. Whilst we will always try our upmost to provide you with the highest quality of user experience in respect of the Site and the App, we cannot, unfortunately, always guarantee you uninterrupted or error free access to the Site and/or the App at all times, that defects will be remedied, or that the Site and/or the App, or the server that makes the Site and/or the App available, are virus free. Occasionally, access may be suspended or restricted to enable us to repair, maintain or update the Site and/or the App, again, we will try our upmost to minimise any convenience caused.

The insurance services provider for the Site and the App is AXA Insurance Gulf B.S.C (c) (Dubai Branch), a branch of a foreign company registered in the Emirate of Dubai, United Arab Emirates (“AXA”) and authorised and regulated by the Insurance Authority of the United Arab Emirates. Consequently, Beema is not, and should not be, considered as the insurance service provider for the Site and the App. Any claims or disputes for any insurance quotes, policies and claims need to be discussed and negotiated directly with AXA only. For more details and the complete terms and conditions on the relevant procedure on insurance quote, policy and claim, please contact the AXA’s call centre on the toll-free number 800 AXA (292) or visit www.axa.ae.

Our Site and/or our App is intended for use by residents in the United Arab Emirates only. Applications for motor insurance products or services from non-residents of the United Arab Emirates will not be accepted.

Our Site and/or our App content do not constitute an offer by AXA to sell insurance products and services to everyone who wishes to purchase. AXA retains the right to accept or reject any request to buy the insurance products or services, and any purchase will be subject to the terms and conditions of that insurance product or service.

The information and descriptions on the Site and/or the App may not represent full or total descriptions of all terms and conditions relating to the insurance products and services of AXA. Complete details will be included in your schedule of cover, policy documents and/or conditions of purchase to be provided by AXA.

It is your responsibility to ensure that the details you give to Beema and/or AXA while using this Site are accurate, and ensure that you have sufficient funds to cover the cost of any insurance product or service you purchase.

You are responsible for all costs and charges associated with your purchase of the motor insurance products and related services from AXA (“Costs”). We are responsible for communicating such Costs to you clearly and accurately on the Site and/or the App, and you are responsible to paying the Costs upon purchasing the motor insurance policy and related services. You agree to receive an electronic receipt via e-mail or SMS or through the App itself (as the case may be) following your payment of the Costs. This electronic receipt is sufficient for all purposes, including any specific requirements under applicable laws.

Payment of the Costs will be facilitated by Beema using the preferred payment method indicated by your in your Account including (without limitation) credit card(s), debit card(s), ApplePay GooglePay, or SamsungPay. If your primary Account payment method is determined to be expired, invalid, or otherwise not able to be charged, you agree that Beema may automatically use the secondary payment method from your Account, if available.

Beema aims to provide the highest standard of service to every customer. If you require any assistance with our Site, our App and/or if our service does not meet your expectations, we want to hear about it, and all requests for assistance and/or feedback we receive are taken seriously. The following will help us understand your queries and give you an appropriate response.

When you make contact with us via support@beema.ae, please kindly provide the following information:

• Your name, address, telephone number and e-mail address.
• Your policy and/or claim number, and the type of policy you hold.
• The nature of your complaint

Any e-mail correspondence should be headed ‘ASSISTANCE’ or ‘FEEDBACK’ and you may include copies of supporting material.

We may from time-to-time provide links to third party websites for your assistance and convenience. When activated, these links may take you out of our Site and/or our App. Beema shall not be responsible for, or endorse, the content or availability of any third-party websites or applications, and we are not liable for any loss or damage that you may suffer by using them. These third-party websites or applications will have their own terms and conditions of use and privacy statements which you should review in full.

You may only print or copy for your own personal use any part of our Site and/or our App, but otherwise you are not allowed to copy or print either parts or all of our Site and/or our App for any other purposes.

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

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

By agreeing to provide consent for using this Program offered by Beema 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.

Beema may share any information and data with third parties based on your permission obtained for using this Program offered by Beema 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 Beema for the purpose described herein.

Beema 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 Beema or such third parties.

Beema 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, Beema 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 Beema 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).

Beema 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 Beema or its underwriter) to Beema.

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 Beema or its underwriter) to Beema. Subject to these Referral T&Cs, Beema shall reward the referrer for these referrals that became first time Beema customers by obtaining an active car insurance with Beema within sixty (60) days of referring.

Beema 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 Beema from time-to-time at its sole discretion. The reward cannot be exchanged for cash and/or other products / services.

Beema 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.

Beema reserves the rights to cross-check the details of any potential first-time customer(s) submitted to the Program against the customer databases of Beema and/or its underwriter. If any such potential first-time customer is believed not to be a first-time Beema 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 Beema 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: referralprogram@beema.ae.

It is our aim to correct any error on the Site and/or the App as soon as practicable. Every effort is taken to ensure the Site is accurate and up to date. However, all warranties and representations (whether express or implied) and all liability to you in respect of the Site, its content and your use of the same, are excluded to the fullest extent permitted by the applicable law.

If any provision in these terms and conditions shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable for any reason, such provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.

Beema shall not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages, including lost profits, lost data, personal injury, or property damage related to, in connection with, or otherwise resulting from any use of the Beema Services. Beema shall not be liable for any damages, liability or losses arising out of your use of or reliance on the Beema Services or your inability to access or use the Beema Services.

Beema shall not be liable for delay, failure in performance, or other injuries resulting from causes beyond Beema’s reasonable control. Further, Beema is not liable for any other intangible losses resulting from:

• your use of or reliance on the Services or your inability to use the Service;
• unauthorised access to or alteration of your account or data;
• statements or conduct of any unrelated third party on the Beema Service; or
• any other matter relating to the Beema Services.

Beema also assumes no liability or responsibility for a delay, failure in performance, any bugs, viruses, trojan horses or the like that be transmitted to or through the Services by any third party and/or any user content or the defamatory, offensive, or illegal conduct of any third party, or any other injury resulting from causes beyond Beema’s reasonable control. The limitations and disclaimer in this section do not purport to limit liability or alter your rights as a customer that cannot be excluded under applicable law.

These terms of use will be governed by the laws of the Emirate of Dubai and the applicable federal laws of the United Arab Emirates. The courts of the Emirates of Dubai will have exclusive jurisdiction to resolve any dispute between arising from or in connection with the Site.