1 - Definitions

'You' and all similar expressions refer to the user of the Eltizam Electronic Insurance Brokerage Platform. 'We' and all similar expressions mean 'Broker Care for Insurance Broker Company'. 'Eltizam Electronic Insurance Brokerage Platform' refers to the above-defined expression. 'User's information' means the personal details you provide us with via the Eltizam Electronic Insurance Brokerage Platform. 'Users' means the users of the Eltizam Electronic Insurance Brokerage Platform in general as the context refers. 'Website' means the address on the World Wide Web. 'Platform' includes Eltizam Insurance Brokerage’s website and mobile applications. 'Content' means information, data, any reviews, messages, feedback, text, photo, voice, drawing, video, symbol, or other materials displayed or published on the Eltizam Electronic Insurance Brokerage Platform. 'Terms and conditions' means those terms and conditions that might be subject to amendment and change from time to time. 'Third party' means an insurance company.

2 - Legitimate Use

2-1) To sign in to Eltizam Electronic Insurance Brokerage Platform, you must be at least 18 years old (as per the Gregorian calendar) and must have the full legal capacity.

2-2) Any person under 18 years old (as per the Gregorian calendar) who would like to sign in to Eltizam Electronic Insurance Brokerage Platform must obtain the approval of his parents or guardian.

2-3) if you are an insurance broker or sales representative, the regulations of SAMA and our policy strictly prohibit the use of Eltizam website for insurance brokerage and this act considered illegal use.

2-3) if you are an insurance broker or sales representative, the regulations of SAMA and our policy strictly prohibit the use of Eltizam website for insurance brokerage and this act considered illegal use.

3 - Documents and Data Provided by the User

3-1) You shall undertake to accept using, transferring and sharing your personal and insurance information with insurers and the concerned authorities.

3-2) If you have any complaint arising out of any content that has been published, uploaded, aired, distributed, saved or found by a user, or having it directly published on Eltizam Electronic Insurance Brokerage Platform or via the website of a third party, you agree to file the complaint against that user in particular rather than us.

3-3) You shall acknowledge that all entered information (Email, phone number… etc.) are correct and not misleading. If it is not the case, you shall bear full responsibility. It is mandatory for the user to update his information without delay.

4 - Provided Services

4-1) Eltizam Electronic Insurance Brokerage Platform makes available and displays the insurance products of the insurer licensed by insurance Authority.

4-2) Eltizam Electronic Insurance Brokerage Platform displays the prices of the insurance products that are available on the platform with competitive prices, as the user will have the option to choose the desired coverage with the desired price.

4-3) Eltizam Electronic Insurance Brokerage Platform fixes a specific period for displaying the insurance coverage, provided that this fixation shall not be less than 24 hours.

4-4) Eltizam Electronic Insurance Brokerage Platform is available for use around the clock.

4-5) We and Insurance companies have the right to refuse or cancel the insurance policy for any reason without referring to the customer. In compliance with insurance Authority instructions.

5 - Application Steps

5-1) User shall enter the basic information of the pricing process.

5-2) Comparison table, with the additional benefits, will be displayed.

5-3) User shall choose the payment method.

5-4) User shall enter the payment information.

5-5) Policy shall be issued and printed out by the user directly.

6 - Payment Methods

6-1) Credit Card (Visa/MasterCard).

6-2) SADAD Service.

6-3) MADA.

6-4) American Express.

6-5) Apple Pay, STC Pay.

And (all payment methods available on the platform).

7 - Responsibility

7-1) We seek to provide Eltizam Electronic Insurance Brokerage Platform with all the reasonable required types of care under the rules and regulations of insurance Authority. We do not promise that the content of Eltizam Electronic Insurance Brokerage Platform, or any employments it contains or any of its servers shall work without interruption, delay or error, that they are free from viruses or the programming errors or that they are compatible with any other program or material.

7-2) We shall not be held responsible before you or any other person regarding any loss resulting from a matter out of our control. This includes the malfunction of the electronic and mechanical equipment, and telecommunication lines (including telephone, cables, and internet), illegal access, harmful codes, theft, operating errors, harsh or abnormal weather conditions (including floods, earthquakes, or other acts of fate), fire, war, disobedience, terror acts, riot, labor disputes, other labor quarrels, accidents, emergencies, delays, excess or canceled bookings, death of a ruler, or any act undertaken the government.

7-3) Eltizam company is licensed by the Saudi Central Bank and it is under Beta launch.

8 - Indemnities

8-1) You shall acknowledge that we are merely a brokerage company and a supply point and it is not our responsibility to compensate any claims or make any other compensations on account of the default of any third party (insurers).

8-2) You shall acknowledge and agree to compensate us, and any authority related to us; (our employees, and officers) immediately, and on request for all the claims, obligations, losses, and costs including the legal fees resulting from any breach or violation to these conditions and terms by you, or any other damages resulting from your use of Eltizam Electronic Insurance Brokerage Platform.

9 - Validity of the platform

9-1) As electronic services are prone to disruption or breakdown, access to Eltizam Electronic Insurance Brokerage Platform is available ‘as it is’ currently.

9-2) We may, at our sole discretion, impose restrictions and limitations on your use of Eltizam electronic insurance brokerage website, additionally, for security purposes and technical, maintenance, or legal reasons, or as a result of any violation to these terms and conditions, we may withdraw Elizam Electronic Insurance Brokerage Platform or block your access to it at any time without prior notice from us.

10 - General

10-1) in case any court or project decides that any item of these terms and condition is invalid or inapplicable in any way, it shall be canceled and stricken out and the remaining items of the terms and conditions shall be fully valid.

10-2) Those terms and condition stipulated on Eltizam Electronic Insurance Brokerage Platform are subject to the rules and regulations of insurance Authority. Disputes are settled by the competent courts, or the Disputes and Insurance Violations Resolution Commissions in the Kingdom of Saudi Arabia.

10-3) We have the right to immediately terminate your use of Eltizam Platform in case you breach those terms and conditions.

11 - Communication

If you want to give us any comment about Eltizam Electronic Insurance Brokerage Platform, or inquire about it, please feel free to contact us on the available numbers on Eltizam Electronic Insurance Brokerage Platform.

12 - Company’s Profile

Eltizam Electronic Insurance Brokerage Company holds C.R. No. 1010438783 and insurance Authority license No. و ت أ / ش / ٢ / ٢٠٢٣٠٦, dated 09/05/1443, to practice the activity of electronic insurance brokerage ,headquarters address: Riyadh, Tel. 8001111205, Email: care@eltizam.sa

* Note: All terms and conditions are compliant with the rules and regulations of Insurance Authority.