Terms of Service

1. Acceptance of Terms

By accessing and using WN Insurance services, website, or partner platform ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

These Terms apply to all users, including partners, clients, and website visitors.

2. Company Information

WN Insurance operates under the AZTravel brand and is licensed under License No: LN8800 in the United Arab Emirates. Our registered office is located at Al Majaz 2, Sharjah, UAE.

3. Service Description

WN Insurance provides B2B travel insurance solutions, including:

• Travel insurance policy administration
• Partner portal access and management
• API integration services
• Claims processing and support
• Customer service and technical support

We reserve the right to modify, suspend, or discontinue any part of our Services at any time with reasonable notice.

4. Partnership Agreement

Eligibility

To become a partner, you must:

• Be a legally established business entity
• Have appropriate licenses to sell insurance products in your jurisdiction
• Meet our qualification and compliance requirements
• Agree to our partner terms and conditions

Partner Responsibilities

As a partner, you agree to:

• Comply with all applicable laws and regulations
• Provide accurate and complete information
• Maintain professional standards in client interactions
• Protect confidential information
• Use our services only for authorized purposes

5. User Accounts and Security

When creating an account, you agree to:

• Provide accurate and current information
• Maintain the security of your login credentials
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account
• Use strong passwords and enable two-factor authentication when available

6. Acceptable Use Policy

You may not use our Services to:

• Violate any laws, regulations, or third-party rights
• Transmit harmful, fraudulent, or misleading content
• Interfere with or disrupt our Services
• Attempt unauthorized access to our systems
• Reverse engineer or copy our software
• Use our Services for competitive purposes
• Share access credentials with unauthorized parties

7. Payment Terms

Commissions and Fees

Partner commissions and fees are subject to separate agreement terms. Payment terms include:

• Commission rates as specified in partner agreements
• Monthly payment cycles unless otherwise agreed
• Minimum payout thresholds may apply
• Withholding taxes as required by law

Policy Premiums

All policy premiums must be collected in accordance with our payment guidelines and applicable regulations.

8. Intellectual Property

All content, software, and materials provided by WN Insurance are protected by intellectual property laws. You agree that:

• We retain all rights to our intellectual property
• You receive limited, non-exclusive rights to use our Services
• You may not reproduce, distribute, or create derivative works
• Our trademarks may only be used with prior written consent
• Any feedback or suggestions become our property

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to our data practices as described in the Privacy Policy.

10. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Merchantability and fitness for a particular purpose
• Non-infringement of third-party rights
• Uninterrupted or error-free operation
• Accuracy, completeness, or reliability of content
• Security or privacy of data transmission

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WD INSURANCE SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Service interruptions or technical failures
• Third-party actions or content
• Force majeure events beyond our control

Our total liability for any claims shall not exceed the amount paid by you for our Services in the twelve months preceding the claim.

12. Indemnification

You agree to indemnify and hold harmless WN Insurance from any claims, damages, or expenses arising from:

• Your use of our Services
• Violation of these Terms
• Infringement of third-party rights
• Your business operations and client relationships
• Regulatory violations or non-compliance

13. Termination

Either party may terminate these Terms:

• With 30 days' written notice for convenience
• Immediately for material breach or violation
• Upon insolvency or bankruptcy
• For regulatory or legal compliance reasons

Upon termination, your access to our Services will cease, and outstanding obligations will survive termination.

14. Dispute Resolution

Any disputes arising from these Terms shall be resolved through:

• Good faith negotiations between the parties
• Mediation if negotiations fail
• Binding arbitration under UAE arbitration rules
• Courts of Sharjah, UAE for final resolution

15. Governing Law

These Terms are governed by the laws of the United Arab Emirates. Any legal proceedings shall be conducted in English and subject to the jurisdiction of UAE courts.

16. Force Majeure

Neither party shall be liable for delays or failures due to circumstances beyond reasonable control, including:

• Natural disasters or acts of God
• Government actions or regulatory changes
• War, terrorism, or civil unrest
• Pandemics or public health emergencies
• Infrastructure failures or cyber attacks

17. Modifications to Terms

We may update these Terms periodically. We will notify you of significant changes by:

• Posting updated Terms on our website
• Email notifications to registered partners
• Prominent notices in our partner portal

Continued use of our Services after updates constitutes acceptance of the revised Terms.

18. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. Invalid provisions will be modified to achieve the intended purpose to the maximum extent permitted by law.

19. Entire Agreement

These Terms, together with our Privacy Policy and any additional agreements, constitute the entire agreement between the parties and supersede all prior agreements or understandings.

20. Contact Information

For questions about these Terms or to report violations, please contact us: