Terms & Conditions

This Website is owned and operated by Etihad Export Credit Insurance PJSC (“ECI”, “we” and “our”), a company established in the United Arab Emirates ("UAE") and having its registered head office address at Level 29, Rolex Tower, Shiekh Zayed Rd. To contact us, please email [email protected].

These Terms of Use constitute a legal agreement between ECI and you. Your use of this Website, data, software, or applications provided to you on, from, or through the Website by ECI is subject to these Terms of Use. However, all products and services provided by ECI to you shall be subject to the terms and conditions of the relevant product or services agreement, which you will sign with ECI as and when you decide to purchase a product or service from ECI. You are also responsible for ensuring that all persons who use our Website through your network are aware of and comply with these Terms of Use, and any other applicable terms and conditions.

You agree that we may change or revise these Terms of Use from time to time by updating this page and that such changes or revision will take effect immediately upon our posting, so please visit this area each time you visit the Website to keep up to date with the current Terms of Use. Your continuous use of the Website reaffirms your continuing agreement to the then-current Terms of Use.

You should not use the Website or accept the Terms of Use if (a) you are under 21 years of age, or (b) you are legally prohibited from using or accessing the Website under the laws of the UAE or the country in which you operate.

ECI reserves the right in its sole discretion to modify or discontinue the Website or specific portions of it without notice to you. We will not be liable if for any reason our Website is unavailable at any time or for any period. We will endeavour to resume the Website access at the earliest possible. The parties can agree to use alternative methods of communication to continue their cooperation until the Website becomes available.

Subject to applicable laws within the UAE, we reserve the right to suspend or terminate your access to the Website and/or the services without notice for failure to comply with the Terms of Use, for infringing copyright or any other intellectual property right, or for any other reason (including repeat minor offences). The decision to terminate your or your Representative’s access to the Website or the services shall be final and binding. 

You must not do any act that we would deem to be inappropriate, is unlawful or is prohibited by any laws applicable to our Website, including but not limited to:

• any act that would constitute a breach of privacy (including uploading private or personal information without an individual's consent) or any other legal rights of individuals;
• using our Website in any manner that infringes any intellectual property rights of any person;
• using our Website to defame, libel or otherwise harm the reputation of, our employees, the UAE, its rulers and royal family or any other persons;
• knowingly introduce viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful;
• gaining or attempting to gain unauthorised access to our Website, the server on which our Website is stored, or any server, computer or database connected to our Website;
• attacking or attempting to attack our Website via a denial-of-service attack or a distributed denial-of service attack; 
• attempting to decipher, decompile, disassemble or reverse engineer any of the software comprising or in any way making up a part of our Website; or
• posting or transmitting to this Website any non-authorised material including, but not limited to, material that is, in our opinion, likely to cause annoyance, or which is defamatory, racist, obscene, threatening, pornographic, contrary to law or public morals in the UAE or otherwise or which is detrimental to or in violation of our systems or a third party's systems or network security. 

If we allow you to post any information to our Website, we have the right to take down this information at our sole discretion and without notice.

We will report any such breach to the relevant authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.

If you are required to register, ECI will ask you to provide information which is personal to you, such as your name, address, email address, contact numbers etc.

As part of the registration process, you may be asked to select a username and password. You and your Representative shall be responsible for all activities occurring under your username and for keeping your password secure. You must not disclose it to any third party. If you become aware of any breach of security or unauthorised use of your username or password, you must notify ECI immediately by sending email to [email protected].You agree to provide accurate and complete information when registering and using the Website and the services provided by us, and you agree to keep your information up to date. You agree that ECI may store and use your information for the purposes envisaged under these Terms of Use as well as for providing the services to you.

ECI has implemented and will endeavor to put in place secure systems for transmission of information through the Website and to protect the security and privacy of User Submissions (as defined below) as well as the information you provide, applications and forms. However, you acknowledge that the security of internet communication can never been guaranteed and that ECI shall not be responsible for any loss you may suffer due to the interception of communication, breach of security, or other unauthorized use or access to your information and/or documents.

ECI takes your privacy seriously and will use and protect any personal information you provide on this Website in accordance with our privacy notice. To read the privacy notice, please click on this link Privacy Notice.

Certain portions of the Website may invite or enable you to post, upload, or otherwise communicate text, or documents and other information, materials or content owned or created by you or created for your benefit (collectively, "User Submissions").

You warrant and represent that you have (and will continue to have during your use of the Website) all necessary rights, licenses, consents and permissions which are required to enable ECI and/or its service providers to use your User Submissions for the purposes envisaged by the Website and these Terms of Use.

You further warrant and represent that you have the consent, release, and/or permission of each and every identifiable individual in your User Submissions to use his or her name, username or information in the manner contemplated by the Website and the products, services or other materials on or available from the Website.

In connection with User Submissions, you represent and warrant that:

1. you will not submit any User Submission that is subject to any right of a third party including, without limitation:
   • copyright, patent, trade mark, trade secret, or other proprietary or contractual right;
   • right of privacy; or
   • confidential information: unless you are the owner of such rights or have permission from the rightful owner(s) to submit the User Submissions and to grant the rights herein;
2. neither the User Submissions, nor the use of the User Submissions as permitted in these Terms of Use, will infringe upon or violate the rights of any person or entity or any applicable laws;
3. you will not submit User Submissions that are unlawful for you to possess in the UAE, or which it would be unlawful for ECI to use or possess in connection with the access to the Website or the provision of the services;
4. the information you and/or your Representative provide through the Website is accurate, correct, and complete at the time of submission and you undertake to update same as and when a change occurs to such information; and
5. the Representative is duly authorized to bind you and any agreement or consent signed or given by the Representative represent a binding and enforceable commitment.

You understand and agree that you are solely responsible for your own User Submissions and the consequences of your posting or publishing them.

With the exception of User Submissions, ECI owns the intellectual property rights for all of the materials on the Website or has a valid right from a third party to use materials on the Website. ECI also owns or has a valid right to use all trademarks, service marks, graphics and logos used on this Website. 

You must not use any part of the content on our Website for commercial purposes without obtaining a licence to do so from us or our licensors. ECI grants you a single, non-exclusive, limited personal licence to access and use the Website for non-commercial purposes subject to your continued compliance with these Terms. You may not transfer or share your right to access or use the Website.

You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to the Website or any services provided via, or in relation to, the Website. This includes using (or permitting, authorising or attempting the use of):

(a) any "robot", "bot", "spider", "scraper" or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of the Website or any data, content, information or services accessed via the same;

(b) any automated analytical technique aimed at analysing text and data in digital form to generate information which includes but is not limited to patterns, trends and correlations.

Unless expressly stated, no part of the Website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except that you may download and print off one copy of [CC1] forms, applications, or other materials relating to the services, provided that you keep intact all copyright, trade mark and other proprietary notices on the materials. Any modification of the materials or use of the materials for any other purpose is a violation of ECI's or third party’s intellectual property rights and proprietary rights. If you print off, copy or download any part of our Website in breach of these Terms of Use, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials that you have made.

Our status (and that of any identified contributors) as the authors of content on our Website must always be acknowledged. Our names and logos and all related product and service names, design marks and slogans are the trade marks or service marks of us or our licensors. No trade mark or service mark licence is granted in connection with the materials contained on the Website. Access to the Website does not authorise anyone to use any name, logo or mark in any manner whatsoever.

You shall retain all of your ownership rights in your User Submissions, but you grant limited rights to ECI and its service providers the right to use the User Submissions and any material contained therein.

 ECI controls and operates this website from the United Arab Emirates. Unless otherwise specified on or by this website, this website is intended to promote only those services that are provided by ECI in the United Arab Emirates, and ECI makes no representation that materials in this website or the services are appropriate or available for use in other locations. All visitors to this website are responsible for compliance with all local laws applicable to them with respect to the content and operation of this website. You agree not to link to this website from a website not operated by ECI, unless you have obtained ECI’s prior written consent.

For your convenience, this Website may provide links to other websites on the world wide web that are not operated by ECI. ECI has no control over these websites and is not responsible for their availability. ECI does not endorse, approve or sponsor, nor is ECI responsible or liable for, any information or content available at the linked sites or any products, or other materials on or available from such websites. ECI is not liable and accepts no responsibility, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of such content, information, products, goods or services available on or through any such linked websites.

The materials on the Website (including any graphics, software, digital content, recommendations or other materials) and any material made available through the Website is provided "as is" and without conditions or warranties of any kind, either express or implied. To the fullest extent permissible pursuant to the applicable law, ECI disclaims all conditions and warranties, express or implied, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. ECI does not warrant or make any representations regarding the use or the results of the use of the material on the Website in terms of its correctness, accuracy, reliability, or otherwise. The material on this Website could include technical inaccuracies or typographical errors and could be inaccurate or become inaccurate as a result of developments occurring after their respective dates. ECI undertakes no obligation to verify or maintain the currency of such information.

ECI endeavours to maintain this Website and its operation, but is not, and cannot be, responsible for the results of any defects that may exist in the Website or its operation. As to the operation of the Website, ECI expressly disclaims all representations, conditions and warranties of any kind, whether express or implied, including, but not limited to all implied warranties of merchantability or fitness for a particular purpose, title and non-infringement. ECI makes no warranty that (i) the operation of the Website will meet your requirements; (ii) access to the Website will be uninterrupted, timely, secure, free of viruses, worms, trojan horses or other harmful components, or free of defects or errors; (iii) the results that may be obtained from the use of the Website will be accurate or reliable; or (iv) defects will be corrected. You (and not ECI) assume the entire cost of all servicing, repair, or correction that may be necessary for your computer equipment and software as a result of any viruses, harmful components, errors or any other problems whatsoever you may have as a result of visiting this Website. You should use your own virus protection software.

To the extent required by applicable law, we do not limit in any way our liability for death or for personal injury caused by our negligence or for fraudulent misrepresentation or concealment or for any other liability which cannot be excluded or limited by applicable law.

Subject to applicable law, under no circumstances shall ECI be liable to you or any other person or entity for any direct, indirect, special, incidental, consequential, punitive or other damages, including lost profits, personal injury (including death) and propertydamage, that may result from (a) the use of, or the inability to use, the Website or any material on the Website, (b) the conduct of any user of the Website, whether in contract, tort (including negligence) or otherwise. ECI shall not be liable even if ECI or an authorized representative of ECI has been advised of the possibility of such damages. These include but are not limited to damages or injury caused by error, omission, interruption, defect, failure of performance, delay in operation or transmission, line failure or computer virus, worm, trojan horse or other harmful component.

ECI assumes no responsibility or liability arising from the content of any User Submission or for any libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, illegality, infringement of intellectual property rights, error or inaccuracy contained in any User Submissions.

Applicable law may not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations or exclusions may not apply to you. However, in no event shall ECI’s total liability to you for damages, losses, and causes of action whether in contract, tort (including, negligence) or otherwise exceed the amount paid by you, if any, for accessing the Website or the services.

Any refund of premiums paid shall be subject to the terms and conditions of the relevant policy. Please refer to the policy wording in this regard.

You hereby agree to defend, indemnify and hold ECI, its officers, agents and employees harmless from and against any and all claims, actions or proceedings of any kind and from any and all damages, liabilities, costs and expenses, including reasonable legal fees, relating to or arising out of your use of the Website, any use of your User Submissions as permitted in these Terms of Use, and/or any breach or alleged breach of any of your warranties, representations or agreements hereunder.

The Terms of Use are and shall remain effective until terminated. You may terminate these Terms of Use by ceasing to use theWebsite and destroying any and all material obtained by you from the Website. We may immediately terminate the Terms of Use, including your access to the Website, if you breach or fail to comply with any material term or provision of the Terms of Use. Upon termination, you must discontinue use of the Website and destroyany and all material obtained by you from the Website.

This Website may provide a help file or other instructions for the use of this site. However, you understand that ECI is under no obligation to provide any support for the use of the Website.

These Terms of Use and any disputes arising under or related to these Terms of Use (whether in contract, tort (including negligence), statute or otherwise) will be governed by the laws of the UAE. Any legal actions, suits or proceedings arising out of these Terms of Use (whether in contract, tort (including negligence), statute or otherwise) will be brought exclusively in the competent court of the UAE and you hereby accept and submit to the exclusive jurisdiction of these courts with respect to any legal actions, suits or proceedings arising out of these Terms of Use.

These Terms of Use and the documents referred to or incorporated in them constitute the entire agreement between ECI and you relating to the subject matter of these Terms of Use and supersede and extinguish any prior drafts, agreements, undertakings, representations, warranties and arrangements of any nature whatsoever, whether or not in writing, between us and you in relation to the subject matter of these Terms of Use.

If any provision of these Terms of Use shall be found to be unlawful, void, or for any reason unenforceable, then such provisionshall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions.

No failure on the part of ECI to enforce any part of these Terms of Use shall constitute a waiver of any of ECI's rights under these Terms of Use whether for past or future actions on the part of any person.

The paragraph titles in these Terms of Use are for convenience only and have no legal or contractual effect.

These Terms of Use are published in English and Arabic for convenience. The Arabic language shall be the binding and controlling language for all matters relating to the meaning or interpretation of these Terms of Use.