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Privacy Policy of Watania (Takaful) Insurance - Watania

Privacy Policy


ATTENTION: These conditions of use apply to the entire contents of the Website under the domain name www.Watania.ae and to any correspondence by e-mail between us and you. Please read these terms carefully before using the Website. Using the Website indicates that you accept these terms regardless of whether or not you choose to register with us or purchase any products from us. If you do not accept these terms, do not use the Website. This notice is issued by the National Takaful Company PSC Watania P O Box 6457, Level 4, Al Jazeera Sports Club Tower A, Muroor Street , Abu Dhabi.


1.1 You may access most areas of the Website without registering your details with us. Certain areas of the Website are only open to you if you register.

1.2 By accessing any part of the Website, you shall be deemed to have accepted these conditions of use in full. If you do not accept these conditions of use in full, you must leave the Website immediately.

1.3 The Company may revise these conditions of use at any time by updating this posting. You should check the Website from time to time to review the then current conditions of use, because it is binding on you. Certain provisions of these conditions of use may be superseded by expressly designated conditions or terms located on particular pages at the Website.

  1. Copyright and Trademarks

2.1 You are permitted to print and download extracts from the Website for your own use on the following basis:

(a) no documents or related graphics on the Website are modified in any way;

(b) no graphics on the Website are used separately from the corresponding text; and

(c) the Company’s copyright and trade mark notices and this permission notice appear in all copies.

2.2 Unless otherwise stated, the copyright and other intellectual property rights in all material on the Website (including without limitation photographs and graphical images) are owned by the Company or its licensors. For the purposes of these conditions of use, any use of extracts from the Website other than in accordance with clause ‎2.1 for any purpose is prohibited. If you breach any of the terms in these conditions of use, your permission to use the Website automatically terminates and you must immediately destroy any downloaded or printed extracts from the Website.

2.3 Subject to clause ‎2.1, no part of the Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without the Company’s prior written permission.

2.4 Any rights not expressly granted in these terms are reserved.

  1. Product availability

3.1 While the Company shall endeavour to provide useful details about various products and services on the Website from time to time, please note the following which shall apply at all times:

(a) Any product or service description on the Website is not intended to constitute offers to sell or solicitations in connection with such products or services; and

(b) The Company does not represent or warrant that all of its products or services shall be available at all of its offices, at all times.

  1. Service access

4.1 While the Company endeavours to ensure that the Website is normally available 24 hours a day, the Company shall not be liable if for any reason the Website is unavailable at any time or for any period.

4.2 Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond the Company’s control.

  1. Internet access

5.1 The Company does not assume any liability for timely, trouble-free and uninterrupted access to the internet.

  1. Visitor material and conduct

6.1 Unless expressly acknowledged to the contrary by the Company, any material you transmit or post to the Website shall be considered non-confidential and non-proprietary. The Company shall have no obligations with respect to such material. The Company and its designees shall be free to copy, disclose, distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes.

6.2 You are prohibited from posting or transmitting to or from the Website any material:

(a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or

(b) for which you have not obtained all necessary licences and/or approvals; or

(c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or

(d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).

6.3 You may not misuse the Website (including, without limitation, by hacking).

6.4 The Company shall fully co-operate with any law enforcement authorities or court order requesting or directing the Company to disclose the identity or locate anyone posting any material in breach of clause ‎6.2 or clause ‎6.3.

  1. Health information

7.1 Any information on the Website about health or healthcare does not constitute medical advice and the Company shall not be liable for any circumstances arising from the use, misuse, interpretation or application of any such information.

7.2 You shall not use any information on the Website, whether in whole or in part, for the purposes of diagnosis or treatment or any kind of illness.

  1. Links to and from other websites

8.1 Links to third party websites on the Website are provided solely for your convenience. If you use these links, you leave the Website. The Company has not reviewed all of these third party websites and does not control and is not responsible for these websites or their content or availability. The Company therefore does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If you decide to access any of the third party websites linked to the Website, you do so entirely at your own risk.

8.2 If you would like to link to the Website, you may only do so on the basis that you link to, but do not replicate, the home page of the Website, and subject to the following conditions:

(a) you do not remove, distort or otherwise alter the size or appearance of the Watania logo and/or any product logo on the Website.

(b) you do not create a frame or any other browser or border environment around the Website;

(c) you do not in any way imply that the Company is endorsing any products or services other than its own;

(d) you do not misrepresent your relationship with the Company nor present any other false information about the Company;

(e) you do not otherwise use any Watania and/or any product trademarks displayed on the Website without express written permission from the Company;

(f) you do not link from a website that is not owned by you; and

(g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations.

8.3 The Company expressly reserves the right to revoke the right granted in clause ‎8.2 for breach of these terms and to take any action it deems appropriate. Is legal possible?!

8.4 You shall fully indemnify the Company for any loss or damage suffered by the Company or any of its group companies for breach of clause ‎8.2.

  1. Registration

9.1 Each registration is for a single user only. The Company does not permit you to share your user name and password with any other person nor with multiple users on a network.

9.2 Responsibility for the security of any passwords issued rests with you.

  1. Disclaimer

10.1 While the Company endeavours to ensure that the information on the Website is correct, the Company does not warrant the accuracy and completeness of the material on the Website (including without limitation any information about its products or services). The Company may make changes to the material on the Website, or to the products and prices described in it, at any time without notice. The material on the Website may be out of date, and the Company makes no commitment to update such material.

10.2 The material on the Website is provided “as is”, without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, the Company provides you with the Website on the basis that the Company excludes all representations, warranties, conditions and other terms which, but for these conditions of use, might have effect in relation to the Website.

10.3 You hereby acknowledge that you have not relied and will not rely upon any representation of fact or opinion contained in the Website in relation to any current or future agreement you have or will have with the Company or any third party.

  1. Liability

11.1 The Company, any other party (whether or not involved in creating, producing, maintaining or delivering the Website), and any of the Company’s group companies and the officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with the Website in any way or in connection with the use, inability to use or the results of use of the Website, any websites linked to the Website or the material on such websites, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing the Website or your downloading of any material from the Website or any websites linked to the Website.

11.2 Nothing in this conditions of use shall exclude or limit the Company’s liability for:

(a) death or personal injury caused by negligence; or

(b) fraud; or

(c) misrepresentation as to a fundamental matter; or

(d) any liability which cannot be excluded or limited under applicable law.

11.3 If your use of material on the Website results in the need for servicing, repair or correction of equipment, software or data, you assume all costs thereof.

  1. Governing law and jurisdiction

This conditions of use shall be governed by and construed in accordance with the law of the United Arab Emirates (UAE). Disputes arising in connection with this conditions of use shall be subject to the exclusive jurisdiction of the UAE courts.

  1. All credit/debit cards’ details or information will NOT be stored, sold, shared, rented or leased to any third parties
  2. Card Acceptability: We accept Visa Card & Master Card
  3. Policy Issuance & Delivery: Policies can be purchased at any Watania Branch, through Watania designated brokers and business partners. For these purchases, the policy will be issued and delivery will be made directly to the Client. Policies can also be purchased online through the Watania website. Delivery for policies purchased online will be through (a) Printed Online (b) Courier, (c) Hand Delivery (d) pick-up from any Watania Branch Office.”
  4. Pricing of Product:  Pricing of the Takaful products are based on the guidelines issues by Watania time to time.