1. Agreement Between You and Us
Thank you for visiting https://insurance.stc.com.bh (the “Website”). Please read these terms and conditions carefully before you start to use the Website. By accessing and using this Website, you indicate that you accept (unconditionally and irrevocably) these terms and conditions (the ‘Agreement’). If you do not agree to these terms and conditions, please refrain from using our Website and exit immediately.
The Website is owned and operated by stc Bahrain B.S.C. (C) incorporated under the laws of Kingdom of Bahrain, under company registration number 71117 (“We”, “Us” and “Our”).
You represent and warrant you possess the legal right and ability to enter into this Agreement and to use this Website in accordance with all terms and conditions herein.
You promise to us you are old enough to enter legally binding contracts through this Website and you know you will be responsible for all payments due to us for purchases made by you or another person using your login information.
2. Modification of Terms
We may change these terms and conditions at any time without advance notice. Changed terms will become effective once posted on the Website, and will not have any retrospective effect on existing contractual arrangements made through this Website. Your continued use of this Website after any change means you have accepted the changed terms and conditions.
3. Disclaimer of Warranties and Limitation of Liability
Your access to and use of software and other materials on, or through, this Website is solely at your own risk. We make no warranty whatsoever about the reliability, stability or virus free nature of such software.
We have taken reasonable steps to ensure the information provided by us on this Website is accurate at the time you view it. However, we cannot and have not checked the accuracy of all information provided by outside sources for example by the providers of other information, or of other parties linked to or from the Website.
Commentary and other materials posted on our Website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our Website, or by anyone who may be informed or act upon any of its contents.
We aim to ensure that availability of the Website will be uninterrupted and that transmissions will be error-free. However, due to the nature of the Internet, this cannot be guaranteed, and we reserve the right to withdraw or amend the service we provide on the Website without notice. Also, your access to the Website may occasionally be suspended or restricted to allow for repairs, maintenance, or the introduction of new facilities or services. We will attempt to limit the frequency and duration of any such suspension or restriction. We will not be liable if for any reason our Website is unavailable at any time or period.
3.2 Disclaimer of Warranty
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES RELATING TO THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES CONTAINED IN THIS WEBSITE. ALL SUCH INFORMATION IS PROVIDED ‘AS IS’ WITHOUT WARRANTY OF ANY KIND. WE HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS AND SERVICES CONTAINED IN THIS WEB SITE INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
3.3 Limitation of Liability
IN NO EVENT WILL WE BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL (INCLUDING AMONG OTHER THINGS LOSS OF REVENUE OR PROFITS), PUNITIVE, OR EXEMPLARY, DAMAGES OF ANY KIND OR SUBJECT TO EQUITABLE OR INJUNCTIVE REMEDIES (WHETHER BASED ON BREACH OF CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE) ARISING OUT OF:
- ACCESS TO, OR USE OF THIS WEB SITE, OR DELAY OR INABILITY TO USE THIS WEB SITE, OR ANY INFORMATION CONTAINED IN THIS WEB SITE; OR,
- THE AVAILABILITY AND UTILITY OF PRODUCTS AND SERVICES.
NOTHING IN THIS LIMITATION OF LIABILITY SHALL EXCLUDE LIABILITIES NOT PERMITTED TO BE EXCLUDED BY APPLICABLE LAW.
ANY RIGHTS NOT EXPRESSLY GRANTED HEREIN ARE RESERVED BY US.
As a condition of use of this Website, you agree to indemnify us from and against any and all liabilities, expenses (including attorney's fees) and damages arising out of claims resulting from your use of this Website, including without limitation any claims alleging facts that if true would constitute a breach by you of these terms and conditions.
5. Links to Third-Parties' Websites
This Website may contain links and pointers to Internet sites maintained by third parties. We do not operate or control in any respect any information, products or services on such third-party sites. Third party links and pointers are included solely for your convenience, and do not constitute any endorsement by us. You assume sole responsibility for use of third party links and pointers.
6. Travel Insurance
The travel insurance is underwritten by Saudi Arabian Insurance Company B.S.C. (c), a company registered under the laws of the Kingdom of Bahrain under commercial registration number (10316-1) and its registered address at Flat/Office 71, Building 852, Road 3618, Al Seef, Kingdom of Bahrain which is authorised and regulated by the Central Bank in the Kingdom of Bahrain (“Damana”).
We do not endorse or make any representations about the travel insurance or any other product supplied by Damana. The travel insurance is sold and administered by Us on behalf of the insurer, Damana.
We act as an appointed representative of Damana. However, you should be aware that we are not an insurer or broker of Damana in respect of the travel insurance (or any other product supplied by them) nor do we arrange or advise on the contract of insurance in relation to the same.
If you purchase the travel insurance your contract will be directly with Damana under Damana’s terms and conditions and we shall have no liability whatsoever in respect of such contract.
We shall not be responsible for Damana's actions or decisions, nor shall We be liable regarding payment of claims or services under the insurance policy/contract.
All enquiries, complaints and claims in respect of the travel insurance will be handled by Damana.
7. Limitations on Use
You agree to use this Website solely to determine the availability of goods and services and make legitimate reservations or transact business with us. You agree to use the Website only for personal, non-commercial use.
You agree to use the Website's services to make only legitimate reservations or purchases.
You agree to all of our terms and conditions of purchase, including, but not limited to, full and timely payment of all amounts due and compliance with all rules concerning availability of fares, products, or services. All fees, assessments, charges, taxes and duties arising out of use of the Website are your sole responsibility.
You agree to not abuse the Website. ‘Abuse’ includes, without limitation, using the Website to:
- Defame, harass, stalk, threaten, abuse or otherwise violate others’ rights as defined by applicable law.
- Harm or interfere with the operation of others’ computers and software in any respect, including, without limitation, by uploading, downloading or transmitting corrupt files or computer viruses.
- Violate applicable intellectual property, publicity or privacy rights, including, without limitation, by uploading, downloading or transmitting materials or software.
- Omit or misrepresent the origin of, or rights in, any file you download or upload, including, without limitation, by omitting proprietary language, author identifications, or notices of patent, copyright or trademark.
- Transmit, post, or otherwise disclose trade secrets, or other confidential or protected proprietary material or information.
- Download or upload files that are unlawful to distribute through the Website.
- Transmit any information or software obtained through the Website, or copy, create, display, distribute, license, perform, publish, recreate, reproduce, sell, or transfer works deriving from the Website.
- Cause an excessively large load on the infrastructure of the Website.
- Falsely use a password or personal identification number during logging into the Website, or misrepresent one’s identity or authority to act on behalf of another.
- Violate this Agreement in any other manner.
8. Copyright and Trademark Notices
All content of this Website are: Copyright © stc Bahrain B.S.C. (C) 2019. All rights reserved.
This Site is for your personal, non-commercial use.
You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from this Website.
We accept the purchase of the services via your stc mobile line (post-paid and pre-paid) and credit/debit cards and/or any other payment medium which We may introduce in the future. Your chosen method of payment will be debited when you click on the [confirm] button. If selected, your credit/debit card must be in the name of one of the beneficiaries of the insurance policy.
We will take all reasonable measures to insure information you transmit to us using the Website will remain confidential and protected from unauthorized access. Despite those measures, we do not warrant unauthorized access to that information can never happen. We will not be liable for any such unauthorized access unless caused solely by our gross negligence, in which event you will be entitled to compensation up to a maximum of the value of the services purchased by you.
11. Governing Law & Jurisdiction
This Agreement is governed by the provisions of the laws of the Kingdom of Bahrain and is subject to all laws, regulations and decrees applicable within the Kingdom of Bahrain.
The courts of Bahrain shall have the sole jurisdiction over all disputes that may arise from or related to this Agreement.
12. Contact details:
You may contact Us through the following channels:
Address: stc Tower, Building 15, Road 68, Seef 428
Phone Number: 124
You may contact Damana through the following channels
Address: Office 71, LMC Building 852, Road 3618, Block 436, Al Seef District, P.O. Box 60139, Kingdom of Bahrain.
Phone Number: (+973) 17 562500
Email address: email@example.com