INTRODUCTION
WE RESERVE THE RIGHT TO MODIFY OR UPDATE THESE TERMS OF USE AT ANY TIME. CHANGES WILL BE EFFECTIVE IMMEDIATELY UPON POSTING ON THE WEBSITE. IT IS YOUR RESPONSIBILITY TO REVIEW THE TERMS OF USE PERIODICALLY.
These Terms of Use govern the use of this Website and the insurance price comparison services provided therein (the “Services”). These Terms of Use serve as the agreement that operates between You and the Company and set out the rights and obligations of all users regarding the use of the Services.
Your access to and use of the Services is conditioned on Your acceptance of and compliance with these Terms of Use. These Terms of Use apply to all visitors, users, and others who access or use the Website.
By accessing or using the Website or the Services You agree to be bound by these Terms of Use. If You disagree with any part of these Terms of Use, please stop accessing the Website.
Your access to and use of the Services is also subject to your acceptance and compliance with our Privacy Policy. Our Privacy Policy outlines our practices for collecting, using, and disclosing your personal information when you use the Website. It also explains your privacy rights and the legal protections in place. Please review our Privacy Policy carefully before using our Services.
LEGAL INFORMATION
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The Company and the Website.
Chedid Insurance Brokers SAL (“We”, “Us”, “Ou” or the “Company”), a Lebanese insurance broker registered with the Commercial Registrar of Beirut under registration number 1025144 and licensed by the Insurance Control Commission at the Lebanese Ministry of Economy and Trade under license number 31, operates the insurance price comparison website Compare360.com (the “Website”).
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The Services.
We provide an independent online service that enables You to research and compare insurance quotes provided by Third-Party Insurance Providers while using the Website and inputting your information. Our Services are free for You to use. We are paid by charging Third-Party Insurance Providers a fee. If you need any assistance navigating through the Website You can call our support centre, chat with Us or request a callback.
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The Third-Party Insurance Providers.
The insurance quotes generated on the Website are provided by insurance companies duly licensed to undertake insurance activities in Lebanon. In addition to the terms and conditions displayed on the Website for each product, the insurance policies’ terms and conditions stipulated by the Third-Party Insurance Providers (the “Insurance Policies Terms and Conditions”) shall apply to each insurance policy purchased through our Website (the “Insurance Policies”).
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Payment.
Any payment you make for Insurance Policies made available through the Website may be processed by our partnered payment service provider on the Payment Service Provider’s payment gateway to which you are redirected for your purchases. You may also choose to pay upon delivery, in which case our team shall collect the payment from you upon delivery of your insurance policy.
ACKNOWLEDGMENT
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You acknowledge and agree that We shall only provide you with insurance quotes from Third-Party Insurance Providers without endorsing/recommending any of them or any of their products.
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Once the insurance quotes are generated on the Website, You can click on any quote and get access to all the details about the insurance product you choose, including the insurance policy’s special and general terms and conditions, as stipulated by the Third-Party Insurance Providers. At this point, you may call or request a call back so we can guide you better through your purchases and provide you with necessary insurance-related advice and assistance.
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The Company makes no express or implied warranties or representations as to the completeness of the insurance assistance provided by the Third-Party Insurance Providers.
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When using this Website, you agree that the Company may not be involved in any communication nor in the final transaction between you the Third-Party Insurance Provider.
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Furthermore, you acknowledge and understand that the Company is not contractually bound with any Third-Party Insurance Provider in any way. We act solely as your intermediary, providing information regarding insurance products and facilitating communication between you and Third-Party Insurance Providers whose quotes are available on the website.
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To the extent permitted by law, the Company shall not be responsible for any loss or any direct, indirect, incidental, special or consequential damages caused by reliance on the information and quotes provided on this Website. The insurance quotes being shown by this system are based on the information supplied by the Third-Party Insurance Providers. All quotes are subject to verification by these Third-Party Insurance Providers.
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In the event of any discrepancies between the quotes provided on this Website and those established by our suppliers based on the same information, the quotes provided by the Third-Party Insurance Providers shall prevail.
YOUR OBLIGATIONS
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When using this Website and the Services, You agree that you have the legal capacity to use the Services under Lebanese applicable Laws and Regulations.
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It is your responsibility to ensure that all information you enter onto the Website or You supply to the Third-Party Insurance Providers by any other means made available on the Website is complete and accurate. You will need to answer a few questions or fill out a few boxes to obtain compared quotes for any insurance product. These questions are designed to ensure that the system generates accurate, appropriate, and timely information relating to the products in which you are interested. The quotes generated on the Website are determined by the answers you provide to those questions and therefore you should answer all questions truthfully and fully and to the best of your knowledge and belief.
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Please be aware that any information provided in this Website in relation to any insurance product and its terms and conditions may not constitute complete information and description of all their features and terms and conditions. In addition to carefully reading our Terms of Use you should also carefully read understand and agree to the Insurance Policies Terms and Conditions. You will find all information about your insurance coverage including information about your rights to make insurance claims in the relevant Insurance Policies Terms and Conditions.
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You agree that you are the final decision maker when it comes to selecting coverages and deductibles. The Insurance Policy descriptions, preset coverages and deductibles, and assistance offered herein are provided merely as a starting point for your desired level of coverage. Neither the Company nor the Third-Party Insurance Providers shall be responsible or held liable for any purchase You make using the Website.
YOUR DATA
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The data you input on this website may constitute Personal Data as per the Lebanese Law no. 81 of 2018 on Electronic Transaction and Personal Data and any amendments or implementing regulation thereof (the “Lebanese Data Protection Law”). Any information about how the Personal Data you input on the Website is collected, used or processed is detailed in our Privacy Policy. Please read carefully and agree on our Privacy Policy before using the Services provided on this Website.
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Some of the advertisements you see on this Website are selected and delivered by third parties, such as ad networks, advertising agencies, advertisers, and audience segment providers. These third parties may collect information about you and your online activities, either on the Website or on other websites, through cookies, web beacons, and other technologies in an effort to understand your interests and deliver to you advertisements that are tailored to your interests. Please remember that we do not have access to, or control over, the information these third parties may collect. The information practices of these third parties are not covered by these Terms of Use nor by our Privacy Policy.
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Any data you input on the Website is solely used for the purposes indicated in our Insurance Policy and mainly to provide with the Services. The Third-Party Insurance Providers may have access to the data you input on the Website to service you or answer any question you may have.
PAYMENTS AND SECURITY
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You may access the Website and the insurance products either by registering to the Website or using the Website as a guest.
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If you wish to register yourself with the Website, you shall be required to create an account by registering and filling in the details prescribed in the Website registration form. You are responsible for maintaining the confidentiality of the password and account and are fully responsible for any and all activities that occur under your password or account. You agree to (a) immediately notifying the Website of any unauthorized use of your password or account or any other breach of security, and (b) ensure exiting from your account at the end of each session. Compare360.com cannot and will not be held liable for any loss or damage arising from your failure to comply with this Section nor for any losses occurring thereto. You, as the User, waive any claims against the Website for any loss and damage suffered by you on account of your failure to comply with these Terms of Use.
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If You provide any information that is untrue, false, not updated, or incomplete and the Website has reasonable grounds to believe that such information is untrue, false, not updated, or incomplete, the Website shall have the right to suspend or terminate your account or deny you Services for any and all current or future use of the Website.
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Once you choose a quote displayed on the Website, you may be redirected to a web page administered and operated by the relevant Third-Party Insurance Service Provider. A payment gateway operated by our Payment Service Provider shall also be made available to you. If you make a payment for the purchase of any insurance product offered by the relevant Third-Party Insurance Providers through our Website, the details you are asked to submit will be provided directly to the Payment Service Provider via a secured connection.
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You acknowledge and agree that you are solely responsible for the accuracy, completeness, and security of the financial data inputted into the payment gateway. This includes but is not limited to credit card information, bank account details, and any other financial information required for the transactions as requested by the Payment Service Provider.
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The Payment Service Provider accepts payments online using Visa and MasterCard credit/debit cards in USD.
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The Company does not collect, store or have access to any personal data including financial data you input directly on the Payment Service Providers’ payment gateway such as credit/debit card details. Accordingly, neither the Company, nor any of the Third-Party Insurance Providers shall be held liable for any loss, damage, unauthorized access, or breach of the financial data inputted by you on the payment gateway. This includes, but is not limited to, any unauthorized use, disclosure, alteration, hacking, phishing, malware attack, or data breach affecting the personal and financial data.
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Neither the Company, nor the Third-Party Insurance Providers shall be held liable for any actions, omissions, errors, technical failures, disruptions, delays, or system outages of the Payment Service Provider in processing financial transactions or safeguarding your personal and financial data.
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To the fullest extent permitted by applicable law, neither the Company, nor the Third-Party Insurance Providers shall be liable to You for any indirect, consequential, incidental, special, punitive, or exemplary damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with the use of the payment gateway.
INTELLECTUAL PROPERTY RIGHTS
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Intellectual Property Rights (“IPR”) shall always mean and include copyrights whether registered or not, patents including rights of filing patents, trademarks, trade names, trade dresses, house marks, collective marks, associate marks, and the right to register them, designs both industrial and layout, geographical indicators, moral rights, source code, technical data, broadcasting rights, displaying rights, distribution rights, selling rights, abridged rights, translating rights, reproducing rights, performing rights, communicating rights, adapting rights, circulating rights, protected rights, joint rights, reciprocating rights, infringement rights and further shall also include but not be limited to all text, graphics, user interfaces, visual interfaces, sounds and music (if any), artwork and computer code in relation to the Website.
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All IPR on the Website exclusively belongs to the Company, the respective Third-Party Insurance Provider, or payment gateway provider, as the case may be. Under no circumstance shall any User infringe in any way such IPR during or pursuant to its use of the Website for any purposes whatsoever.
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Except as expressly provided herein, you acknowledge and agree that you shall not copy, republish, post, display, translate, transmit, reproduce, distribute, or otherwise infringe any Intellectual Property Rights, in any medium, without obtaining the prior written consent of the Company, the relevant Third-Party Insurance Provider, the payment gateway provider, or any other holder of such Intellectual Property Rights.
LIABILITY AND INDEMNIFICATION
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You hereby indemnify, defend, and hold harmless the Company, its subsidiaries, affiliates, vendors, agents, and their respective directors, officers, employees, and agents (hereinafter individually and collectively referred to as “indemnified parties”) from and against any and all losses, liabilities, claims, suits, proceedings, penalties, interests, damages, demands, costs and expenses (including legal and other statutory fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by the indemnified parties that arise out of, result from, or in connection with:
- Your breach of these Terms of Use.
- Any claims made by any third party due to, or arising out of, or in connection with, your use of the Website.
- Any claim that any third party IPR, proprietary information, content, or materials provided by You causes any damage to a third party.
- Your Violation of any rights of any third party, including any IPR.
DISCLAIMER OF LIABILITY
COVERAGE LIMITS, DEDUCTIBLES, AND CERTAIN EXCLUSIONS ARE LIMITED TO THE TERMS AND CONDITIONS CONTAINED IN YOUR INSURANCE POLICY. PLEASE READ YOUR INSURANCE POLICY FOR DETAILS. THIS WEBSITE IS FOR INFORMATION PURPOSES ONLY.
IF YOU ARE DISSATISFIED WITH THE TERMS, CONDITIONS, RULES, POLICIES, GUIDELINES OR PRACTICES OF THE WEBSITE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING IT.
- The Company shall not be held liable or responsible to you for any loss or damage you may suffer as a direct or indirect result of:
- Any inaccurate or incomplete information on the Website.
- Any Error in price or coverage provided by the Third-Party Insurance Provider.
- You, not being able to use, or access the Website due to malfunction, downtime, or interruptions.
- The loss of Your personal information for any cause beyond the reasonable control of the Company.
- The loss of personal data or other data, howsoever caused, including without limitation, malfunctioning of the Website, power failures, unlawful access to or theft of, data, viruses, programming defects or negligence on our part, or any event beyond our control.
- Your inputting of incomplete, inaccurate, or misleading information on the Website or providing the same to the Third-Party Insurance providers.
REFUND POLICY
Refunds or rebates (if any) will be done only through the original mode of payment.
If an error occurs while making payment, please either contact us Immediately or contact the Payment Service Provider and We will address this issue. A refund is generally issued on the same payment card you used for the original purchase.
If payment was made in cash upon delivery of the insurance policy, a refund may be issued in cash subject to the following:
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Customer Verification:
You may be required to provide identification documents (e.g., ID, proof of purchase) to process the refund.
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Documentation:
We may request additional documents to verify the transaction and comply with AML/CFT regulations.
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Refund Limits:
Cash refunds may be limited to a specific amount and are subject to applicable reporting requirements.
ENTIRE AGREEMENT
These Terms of Use (including the Privacy Policy) constitute the entire agreement between the Company and You and their respective Affiliates (where applicable) in respect of the subject matter hereof and thereof.
SEVERABILITY
If any provision of these Terms of Use or the application of such provision to any person or circumstance shall be held (by a court of competent jurisdiction) to be invalid, illegal, or unenforceable under the Applicable Laws, such provision will be severed without affecting the remainder of the provisions hereof.
Anti-Money Laundering and Counter-Terrorist Financing
The Company is committed to full compliance with applicable anti-money laundering (“AML”) and counter-terrorist financing (“CFT”) laws and regulations.
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Regulatory Compliance:
Where applicable, We comply with relevant AML/CFT obligations under Lebanese Law No. 44/2015, including requirements to identify and verify users, monitor activity, and report suspicious transactions to the Special Investigation Commission (SIC).
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Customer Due Diligence:
We may request identification documents or other information to verify your identity and assess the legitimacy of your use of the website. Failure to provide such information may result in the suspension or termination of access to the services.
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Transaction Monitoring:
We reserve the right to monitor user activity for any suspicious or unlawful behavior, and to report such behavior to the relevant authorities without prior notice.
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Internal Controls:
We maintain internal policies, procedures to ensure our operations comply with AML/CFT obligations.
By using this Website, you consent to the collection, use, and disclosure of your personal data for purposes related to AML/CFT compliance, including disclosure to regulatory or law enforcement authorities as required by law.
GOVERNING LAW AND DISPUTE RESOLUTION
These Terms of Use are governed by and construed in accordance with the laws of the Republic of Lebanon. In the event of any dispute arising between the Parties in relation to use of the Website and the Services such dispute shall be referred to the jurisdiction of the competent Courts of Beirut for resolution.
