Terms of Service
1. Introduction
These Terms and Conditions ("Terms") govern your access to, and use of the digital platforms, services, and applications operated by Shield Insurtech Brokers WLL, trading under the name "Amen" (hereinafter referred to as "the Company," "we," "us," or "our"). By accessing or using our Services, you confirm your acceptance of these Terms and agree to be legally bound by them.
Shield Insurtech Brokers WLL is a licensed insurance broker (Aggregator) regulated by the Central Bank of Bahrain (CBB). All activities undertaken by the Company are strictly aligned with CBB regulations and other applicable laws of the Kingdom of Bahrain.
2. Agreement to Legal Terms
By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you are expressly prohibited from using our Services and must discontinue use immediately.
We reserve the right to amend or update these Terms from time to time. Amendments shall be effective immediately upon posting on our website or application. It is your responsibility to review the Terms periodically.
3. Our Services
Our Services include providing access to insurance products and related facilities through our website and mobile application. We facilitate connections between users and licensed insurance providers but do not underwrite insurance policies ourselves.
Individuals below 18 years of age may only use the Services under the supervision and with the consent of a parent or legal guardian. The Services are provided solely to Bahraini nationals and residents of the Kingdom of Bahrain. Users must ensure that their use of the Services complies with all applicable laws and regulations of the Kingdom of Bahrain.
4. Intellectual Property Rights
All intellectual property rights in the Amen brand, including trademarks, trade names, service marks, logos, content, software, and design, are owned exclusively by Shield Insurtech Brokers WLL. You are granted a limited, non-exclusive, non-transferable, revocable license to use the Services for personal, non-commercial purposes only.
Any unauthorized reproduction, distribution, modification, or exploitation of our intellectual property is strictly prohibited and may result in immediate termination of your access to Services and possible legal action.
5. User Responsibilities
By using our Services, you represent and warrant that the information provided during registration and throughout your use of the Services is accurate, current, and complete. You further confirm that you will not use the Services for unlawful, fraudulent, or unauthorized purposes.
You agree not to engage in prohibited activities including but not limited to: misrepresentation, unauthorized commercial use, transmitting malicious content, violating intellectual property rights, or engaging in fraudulent claim submissions.
6. User Registration
To access certain features, you may be required to register by providing your full name, email address, and contact details. You are responsible for safeguarding your account credentials and for all activities conducted through your account. We reserve the right to suspend or terminate accounts that provide false or misleading information.
7. Products and Pricing
We provide access to a wide range of insurance products including, but not limited to, Motor, Life, Health, Travel, Home, Business, and other insurance policies. Final policy issuance is subject to approval by the respective insurance provider and may require submission of supporting documents.
All prices are determined by insurers and may be subject to Value Added Tax (VAT) as per Bahrain law. Pricing is subject to change following risk assessments conducted by insurers.
8. Purchases and Payment
Accepted payment methods include Mastercard Payment Gateway Services (MPGS), Benefit Web Payment Gateway & BenefitPay, Apple. Payments are processed directly with insurers, and Amen does not collect or store payment information.
You acknowledge that premium adjustments may occur following underwriting review. Any disputes relating to payments, refunds, or cancellations must be resolved directly with the insurer.
9. Refund Policy
Amen acts solely as an intermediary and does not process or authorize refunds. Refund requests must be submitted to the insurer, subject to their refund policies and Bahrain regulations.
10. Privacy and Data Protection
We are committed to protecting your privacy and personal data in accordance with Bahrain Data Protection Law and CBB regulations. Your information may be shared with insurers and service providers solely for the purpose of delivering our Services. Please refer to our Privacy Policy for further details.
11. Termination of Services
We reserve the right to suspend or terminate your access to Services at our discretion, without prior notice, in cases of breach of these Terms, fraudulent activity, or regulatory requirements. Upon termination, all rights granted to you shall cease immediately.
12. Governing Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws of the Kingdom of Bahrain. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Bahrain. In case of conflict, CBB regulations shall prevail.