TERMS & CONDITIONS OF USE

Please read the following terms and conditions (“Terms and Conditions”) very carefully as they apply to anyone who visits and/or uses the Liva Insurance B.S.C. (c) website (the “Site”). By visiting this Site you thereby confirm your agreement to and acceptance of these Terms and Conditions.

This Site, including all the information on it, is owned and operated by Liva Insurance B.S.C. ©, a company registered in the Kingdom of Bahrain, with commercial registration number 24136, and registered address at Showroom 7 Ground Floor of United Tower, Building No. 316, Road No.4609, Block No.346, Manama/Sea Front, PO Box 11871, Manama, Kingdom of Bahrain (the “Company” or “Liva Bahrain”). If you would like to know more about Liva Bahrain, please click here.

We reserve the right, in our sole discretion and at any time, to revise, amend or alter the contents of this Site including these Terms and Conditions.

When we refer to “we”, or “our” or “Liva” on this Site we are referring to all the Liva Group of companies including the Company and its subsidiaries or any of them as the context may require.

PRIVACY POLICY

By submitting any personal information about yourself on this Site, you consent to its use, as set out in this Privacy Policy. The Internet is not a secure medium, however we are committed to ensuring that your privacy is protected This Privacy policy explains the security measures we have put in place to protect your information and how we use the information we collect about you. References to “personal information” on this Site mean information which identifies you as an individual or is capable of doing so

THE INFORMATION WE COLLECT AND HOW WE USE IT

Within this Site, we may ask you to provide us with relevant personal information. Rest assured, we do so in order to provide you with the product or service you have requested, as an administrative requirement, and to service and maintain your policy including responding to any query that you might raise with us.

All personal information supplied by you will be treated in confidence by Liva and will be held in our data systems or those of our agents or subcontractors, and will not be disclosed to any third parties except where your prior consent has been received or where permitted by law.

Liva may pass your personal information to other companies for processing on its behalf. Some of these companies may be based outside Europe in countries which may not have adequate privacy laws. Details of the companies and countries involved can be shared with you on request.

Liva may, from time to time want to inform you (by telephone, post, or email) of select products and services we and our carefully chosen suppliers provide. If you would prefer not to receive this information, please notify us of this when you contact us.

As part of the process of providing you with the product or service requested, we may undertake certain checks or exchange information through various databases. For example, as part of the process for underwriting general insurance products, we may undertake checks with a licensed credit-referencing agency, and if so a record of this search will be maintained. When we make any such checks or exchange your personal information with third parties, we will include further details of the same within the Site or when we write to you.

COOKIES

When you visit our Site, we may attach a “cookie” to your browser. “Cookies” are small text files that allow us to identify your computer, recognise repeat users, observe anonymous user behaviour and compile aggregate data about users in order to improve our service. The data we collect using “cookies” does not identify individual users and is only used for tracking and analysing use of the site. In some cases, we use reputable third party adserving companies for these purposes.

Most web browsers will accept “cookies”, but if you prefer that we do not collect data by this method, you can disable this function within your browser settings. However, without “cookies”, you may not be able to take full advantage of our Site's features including personalising the web content to reflect your unique style.

HOW WE PROTECT YOUR INFORMATION

We capture your personal information such as your name, address, date of birth, etc., over a secure link using recognised industry standard Secure Sockets Layer (SSL) technology which encrypts the data whilst passing it over the web. This will be indicated on most browsers by a lock in the status bar at the bottom of the screen. Firewalls are used to block unauthorised traffic to the servers and the actual servers are locked in a secure location which can only be accessed by authorised personnel.

YOUR CONSENT

By accessing our Site and submitting your personal information on our Site, you are thereby consenting to the use of that information as set out in this Privacy Policy. If we change our Privacy Policy, we will post the changes on this page and place notices on other pages of the Site so that you are aware of how we use your personal information at all times. Your continued use of this service signifies your agreement to any or all such changes.

The Internet is a global medium and your information therefore may be transferred outside the GCC. When you submit your personal information, you consent to all such transfers.

BAHRAIN LAW

These Terms and Conditions are governed by and construed in accordance with the laws of the Kingdom of Bahrain Any disputes arising in relation to these Terms and of use will be subject to the exclusive jurisdiction of the Bahraini courts. If any of the following provisions become unlawful, void or for any purpose unenforceable, then the particular provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions or the Terms and Conditions.

CONTENT AND PRODUCT INFORMATION

The descriptions of all the products and services contained in this Site are for information purposes only. The information and descriptions provided are not intended to be complete descriptions of all the terms, conditions and exclusions applicable. The precise coverage afforded by any insurance policy or other product issued by us is subject to the terms, conditions and exclusions of the policies as issued. Any other products and services provided are subject to their specific terms and conditions as specified throughout this Site.

GENERAL DISCLAIMER

We take care to ensure that the information contained in this Site is accurate and up-to-date. However, the material on this Site is provided on an “as is” basis and we make no representations or warranties of any kind, whether express or implied including without limitation warranties related to functionality, loss of data, content, accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this Site, which may be inaccessible, contain technical inaccuracies and typographical errors.

In no event shall the Company, its subsidiaries, directors or agents be liable to any party for any costs and/or damages of any nature whatsoever including direct, indirect, consequential, special or incidental damages arising out of the access or use of this Site or any of its functions or features.

COPYRIGHT

The Company owns all rights in the design, text and graphics including their selection or arrangements. Permission is granted to copy electronically and to print in hard copy, portions of this Site, solely for the purpose of using the Site to seek a quotation or buy products and services. Any other use of materials on this Site (including reproduction for purposes other than those noted above, and alteration, modification, distribution or re-publishing) without our prior written permission is strictly prohibited.

TRADEMARKS

The various Liva trademarks and the get-up contained in this Site are owned by Liva Insurance BSC(c) or other Liva Insurance Group companies. All other trademarks, product names, and company logos are the property of the companies in the Liva Insurance Group or the property of their respective owners. Neither the Company nor any Group company gives permission for the use of any of the trademarks, the get-up, product names, company names, logos or titles and any such use may constitute an infringement of the holder's rights.

LINKS TO OTHER SITES

In this Site, certain links including hypertext links will lead you to third party websites or pages that are not under our control. These links are provided for your information and convenience, and the inclusion of any link does not imply endorsement by us in any way of the site to which a particular link leads. Other links in this Site will lead you to websites or pages that are under the control of Liva third parties around the world. You should be aware that these websites are maintained and operated locally and the law and regulations of countries other than Bahrain may govern the contents and use of such websites. If you wish to know more about the conditions of use or privacy policies of these websites, please contact them directly.