You must make your own decision after taking all facts and information into consideration and having sought your own independent professional advice before making any decisions. Therefore we will not accept any liability for any claims arising as a result of the use of this medium. Furthermore, we reserve the right to make amendments and changes to the information on this “Website” at any time. No part of this “Website” may be copied or reproduced, stored in a retrieval system, or be transmitted in any form or by any means electronic, mechanical, photocopying, recording or otherwise without the prior permission of Nexus Insurance Brokers Limited. Furthermore, under no circumstance will Nexus be liable for any feature, function (programming errors, other errors, links, rectification of the errors, updating and / or omissions) and safety (including loss/ damage of any personal data/information, or any loss whether foreseen, foreseeable, known or otherwise) mechanism built in the “Website”. Nexus Insurance Brokers Limited therefore accepts no liability whatsoever for any direct, indirect or consequential loss arising from the use of this “Website” or the information. Your access to and use of this “Website”, and these “Terms and Conditions”, are governed by and will be constituted, construed and interpreted in accordance with the laws of the relevant jurisdiction, without regard to principles of conflict of laws. Any dispute arising from the usage of Nexus’ “Website” shall be submitted to the exclusive jurisdiction of the UAE courts. In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision. The contents of the foregoing provisions shall not limit any specific provisions set out in the individual “Terms and Conditions” of particular products and services offered on or through this “Website”.
Nexus group of companies are registered and regulated as follows:
Nexus Insurance Brokers LLC- regulated by the UAE Insurance Authority under registration number 207 and Commercial license number 583403.
Nexus Insurance Brokers LLC – Abu Dhabi – Registered under Commercial license number: 1005402.
Nexus Financial Services WLL – Kingdom of Bahrain – Registered under Commercial registration number 62254.
Nexus Financial Services WLL – Qatar Financial Centre – Qatar – Authorised by the Qatar Financial Centre Regulatory Authority number 00099.
Nexus Financial Services Insurance Brokers LLC – Kuwait – Authorised by the Ministry of Commerce and Industry, Registered under License No. 346878.
Nexus Financial Advisers LLC- regulated by the UAE Securities and Commodities Authority (SCA) under SCA License No. 608038
and Commercial License number 794123
Nexus companies are engaged solely in the brokerage of Insurance and Insurance related products and services.
Nexus companies are NOT engaged in any activity whatsoever except those activities expressly described on the “Website”. If you have any doubt about the products and services that you may have been offered, please ensure that you enquire with Nexus Compliance Department Compliance@nexusadvice.com in writing.
Nexus Tax Registration Number (TRN) is: 100024547000003 (VAT U.A.E)
Welcome to Nexus Advise / Nexus Online / Client and Consultant Portals, hereinafter referred to as the “Portal” which is deemed to also include the Software. These terms and conditions (“Terms and Conditions”) together with any additional terms and conditions applicable to any of the products (“Policy Terms”) offered by the different insurance companies (“Products”) under a contract of insurance between the insurance companies and the policy owner (“Policy”) govern how you may access, browse and use the Portal or any of the Products and services offered through the Portal and covered by these Terms and Conditions that Nexus would make available from time to time through the Portal enabling you and to gain access to information and where permitted to input data or where applicable request action by Nexus.
By: (a) creating a unique username (“Username”) used by you to gain access to your individual Portal account (“the Portal Account”) and a secret word or string of characters chosen by you that is used for authentication (“Password”), to prove identity and to gain access to your the Portal Account; (b) accessing, browsing, inputting data, submitting material to or otherwise using the Portal in any way and via whatever device; or (c) registering your details with us to access certain areas of the Portal, you are entering into a legally binding agreement between you and the relevant entity from the Nexus Group of companies (Nexus Insurance Brokers LLC & Nexus Financial Services WLL & Nexus Financial Services QFCRA Branch & Nexus Financial Services (Insurance Brokers) L.L.C) as may be applicable to you (“Nexus”) therefore acknowledging that you have read, understood and agreed to be bound by the Terms and Conditions under which the Portal may be used and that furthermore, you are subject to the data protection laws and regulations of the jurisdiction in which the Nexus entity that is relevant to you is established.
The Portal is operated by or on behalf of the relevant entity in the Nexus Group of companies (Nexus Insurance Brokers LLC / Nexus Financial Services WLL / Nexus Financial Services QFCRA Branch / Nexus Financial Services (Insurance Brokers) L.L.C) and its affiliates (“we” or “our”). You can find the details of all the entities in the Nexus Group of companies at the end of this document. For the avoidance of doubt; i) words denoting the singular will include the plural and vice versa and words denoting one gender will include all other genders, ii) headings in these Terms and Conditions are for ease of reference only and will not affect the interpretation of these Terms and Conditions nor have any legal or contractual effect and iii) the services and these Terms and Conditions have been designed to apply to different types of Products and users therefore some of these Terms and Conditions may not apply to you.
ACCURACY AND COMPLETENESS OF INFORMATION, SUITABILITY AND SOFTWARE DEFECTS
Products and services offered by the different insurance companies (“Third Party Products and Services”) marketed and distributed by Nexus or offered by Nexus through the Portal are available only at the discretion of such third parties and Nexus subject to the Third Party Products and Services’ individual terms and conditions based on which they are offered as well as Nexus’s Terms and Conditions. Such Third Party Products and Services may be withdrawn or amended at any time without any notice and the full range of Third Party Products and Services may not be available in all jurisdictions. Where we provide hypertext links to other locations on the Internet, we do so for convenience and information purposes only. Nexus has not verified, and is not responsible for, the content of any third party websites or pages linked to or linking to the Portal including any sites or pages of Nexus and therefore, Nexus does not warrant or represent that any information contained on a third party website that may be linked to the Portal via a hyperlink or any other link, is accurate, correct, complete or reliable. The inclusion of any link does not imply an endorsement, approval or recommendation of the linked third party website or its content by Nexus and, subject to any applicable law which cannot be excluded, Nexus makes no representation or warranty, express or implied, regarding the quality, merchantability or fitness for purpose of any Products or services available through a third-party website. Following links to any third party websites or pages is entirely at your own risk and Nexus shall not be responsible or liable for any losses, damages or expenses arising or in any other way connected with such linkage. You should use such websites in accordance with the terms and conditions of the website being entered.
DATA PROTECTION, DISCLOSURE OF PERSONAL INFORMATION AND SECURITY
Nexus reserves the right at its sole and absolute discretion to terminate your Agreement and access to the Portal at any time, with or without cause or notice. Nexus reserves the right at its sole and absolute discretion to change without prior warning or notice any information or material on the Portal including but not limited to the Terms and Conditions and we encourage you to revisit these Terms and Conditions periodically to ensure that you are at all times fully aware of them. Any changes are effective immediately upon posting to the Portal. Your continued use of the Portal constitutes your agreement to the Terms and Conditions and all such changes.
You may reproduce this information in hard copy solely for your personal use. The information may not be reproduced, distributed or transmitted to any other person or incorporated in any way into other publications or materials.
All contents of the Portal including, but not limited to the text, graphics, links and sounds are the copyright of Nexus (“Contents”) and may not be copied, downloaded, adapted, distributed or published in any way without the prior written consent of Nexus. All Contents on the Portal (including information and its arrangement) are owned by or licensed to Nexus.
In relation to any information or materials which you submit to Nexus using the Portal, you hereby grant Nexus a worldwide royalty-free perpetual license of the copyright and intellectual property rights in such information or materials for any purpose Nexus deems appropriate including, without limitation, the copying, transmission, distribution and publication thereof, unless restricted by applicable law. Nothing contained on the Portal should be construed as granting any license or right of use of any trademark displayed on the Portal without the express prior written consent from Nexus.
While accessing, browsing and/or using the Portal you must:
For the avoidance of doubt, Nexus shall have sole discretion as to whether any material is in breach of this clause and the Terms and Conditions.
For the avoidance of doubt, in such circumstances all liability with respect to Nexus, its affiliates, directors, employees or other representatives for any loss whatsoever arising from our removing or editing Content and/or your limitation or inability to use the Portal (either in whole or in part), email services and/or password is excluded.
You agree that Nexus shall not be under any obligation of confidentiality to you regarding any such information or materials submitted to it using the Portal unless agreed otherwise in a separate contract between you and Nexus or required by law.
You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual terms and conditions of particular Third Party Products and Services offered on or through the Portal.
These Terms and Conditions contain the entire agreement between you and Nexus and supersede all previous agreements and understanding made between the parties in relation to the Service. If you access the Portal jointly with another person or persons, your liability will be joint and several. You will indemnify and keep Nexus indemnified against any claims, liability, loss, damage or expenses incurred by Nexus arising from or in connection with any breach by you of your obligations or warranties to Nexus under these Terms and Conditions.
Any insurance or investment Products or services detailed on the Portal are subject to the legal and regulatory requirements applicable in the jurisdiction in which you first purchased that specific Product. Any dispute shall be subject to the exclusive jurisdiction of the courts of that jurisdiction. Products or Services may not be available in all jurisdictions. These Terms and Conditions are governed by laws of the jurisdiction in which you first purchased that specific Product. and any disputes shall be subject to the exclusive jurisdiction of the courts of the jurisdiction in which you first purchased that specific Product.
The Internet is a global environment and using the Internet to collect and process personal information necessarily involves the transmission of data on an international basis. By browsing this Portal you acknowledge and agree to Nexus’ processing of personal information in this way. Nexus accept no responsibility or liability for the security of personal information transmitted via the Internet.
The collection of personal information online is designed to assist Nexus in providing you with the Third Party Products and Services you want and need. All personal information collected and stored by Nexus is used for specific business purposes to protect and administer your accounts and transactions, to comply with the relevant laws and regulations, and to help Nexus better understand your needs in order to design or improve Nexus’ Products and services. Once received by Nexus, only Nexus’s approved personnel may open and process the application. In addition, Nexus requires all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies. Personal information may be supplied to a third party in order to process customer transactions; if the customer requests it; the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.); or in conjunction with joint marketing agreements we have entered into. Nexus does not provide account or personal information to other companies for the purpose of independent telemarketing or mail marketing of any non-financial Products or services of those companies. Unless restricted by applicable law, you agree that any and all personal information/data relating to you and collected by Nexus from this Portal from time to time may be used and disclosed for such purposes and to such persons as may be required by Nexus and in accordance with Nexus’s prevailing information technology security policy. Nexus will treat your personal information as confidential but we may share it within the Nexus group of companies and we can disclose it outside Nexus’s group of companies if:
As per privacy protection and information security policy, Nexus never requests its customers to disclose the credit card information, user ID, login and transaction passwords or any such information through e-mails. Any e-mail or written communication received by the customer, which appears to have been sent from Nexus seeking a customer’s personal and confidential information, should not be answered and Nexus should be advised.
You expressly agree not to use this Portal in any manner or for any purpose that is prohibited by these Terms and Conditions. In addition, you expressly agree not to:
APPROPRIATE EXPERT INDEPENDENT ADVICE SHOULD BE OBTAINED BEFORE MAKING ANY INVESTMENT OR OTHER DECISIONS.
Neither Nexus nor any of its data providers or affiliates gives any warranty or guarantee relating to availability of the Portal or that the Portal and/or Nexus’ operation of it, the Content or the server that makes the Portal available are error or viruses, malware’s, add-wares, spyware, ransomware free or free of other harmful components or that your use of the Portal and/or the Content will be uninterrupted.
You agree that Nexus, its directors, employees, agents or other representatives, data providers or affiliates will not be responsible or liable (whether in contract, tort or otherwise), under any circumstances for any amount or kind of loss or damage (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any anticipated loss of profit, loss of profit, loss of opportunity, loss of data, costs and fines and/or any special or incidental damages of any kind) that may result to you or a third party arising from or connected in any way to:
Nexus may also use the personal information you provide or which we collect via this Portal for the
Nexus may also contact you about Third Party Products and Services available from Nexus, and from selected companies outside the Nexus group of companies, which we believe may interest you or benefit you. Nexus may do this by post or by phone unless you have told us not to; and by email, text or other electronic means if you have told us that we can or as otherwise allowed by law. You may tell us at any time if you change your mind.
Nexus may monitor, record, store and use any telephone, email or other communications we have with you for training purposes, so that we can check any instructions given to us, for crime prevention and to improve the quality of Nexus’ customer service.
By using the Portal you consent to us using your personal information for the purposes described above. Please note that we do not store your credit card number in Nexus’ company database. Online credit card transactions are conducted through a secure payment gateway hosted on a Secure Sockets Layer (SSL) enabled and trusted site.
Nexus may run your accounts and provide other services from centers outside the UAE that do not have the same standard of data protection laws as the UAE.
You are responsible for informing us that your personal details have changed: for example, a change of address or to your title. You can do this by logging onto and visiting your personal account / profile page on the Portal, or by email inside the Portal system.
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