Terms & Conditions

1. Acceptance of Terms

By accessing and using the Intellicrest website (intellicrest.io), you agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use our website.

These terms apply only to the public-facing website. Access to and use of the Intellicrest Platform requires a separate Platform Services Agreement. For information about Platform access, please contact us at sales@intellicrest.io.

2. About Intellicrest

Intellicrest provides an enterprise insurance management platform designed for insurance carriers, reinsurers, and brokers. Our website provides information about our services, company, and platform capabilities.

The Intellicrest Platform is designed for professional use by institutional clients in the insurance industry. It is not intended for consumer or personal use.

3. Website Use

You may use our website for the following purposes:

• Viewing and browsing information about our services
• Downloading informational materials and resources
• Contacting us through provided forms or contact information
• Accessing public content and blog posts
• Learning about insurance industry solutions

You agree not to use our website for any unlawful purpose or in any way that could damage, disable, or impair our website or interfere with any other party's use of the website.

4. Intellectual Property Rights

All content on this website, including but not limited to text, graphics, logos, images, software, and technology, is the property of Intellicrest or our licensors and is protected by copyright, trademark, and other intellectual property laws.

"Intellicrest," the Intellicrest logo, and all related marks are trademarks of Intellicrest. You may not use our trademarks without our prior written permission.

You may not:

• Copy, modify, or distribute website content without permission
• Use our trademarks or branding without authorization
• Reverse engineer or attempt to extract source code from our website
• Republish or redistribute our materials for commercial purposes

5. Platform Services - Separate Agreement Required

These Terms & Conditions govern only your use of our public website. Access to the Intellicrest Platform requires:

• A signed Platform Services Agreement or Master Subscription Agreement
• Valid account credentials and authorization
• Acceptance of our Data Processing Agreement (DPA)
• Compliance with platform-specific terms and policies

For information about Platform access, pricing, and enterprise agreements, please contact our sales team at sales@intellicrest.io.

6. User Conduct

You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to our systems or networks
• Transmit any malicious code, viruses, or harmful software
• Engage in any activity that could interfere with website functionality
• Collect or harvest data from our website using automated means
• Misrepresent your identity or affiliation with any organization
• Use the website for any fraudulent or deceptive purpose

7. Disclaimer of Warranties

Our website and all information, content, and materials are provided "as is" and "as available" without any warranties of any kind, either express or implied.

We do not warrant that:

• The website will be uninterrupted, secure, or error-free
• The information on the website is accurate, complete, or current
• Defects will be corrected or that our servers are virus-free
• The website will meet your specific requirements

Important: Information on this website does not constitute financial, insurance, legal, or professional advice. Any decisions made based on information from our website are made at your own risk. We strongly recommend consulting with qualified insurance and legal professionals before making any business decisions.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Intellicrest shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use, arising from or related to your use of our website.

This includes, but is not limited to, damages arising from:

• Reliance on information provided on the website
• Errors, omissions, or inaccuracies in website content
• Unauthorized access to or use of our servers
• Interruption or cessation of website availability
• Bugs, viruses, or other harmful components

In jurisdictions that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability is limited to the greatest extent permitted by law.

9. Links to Third-Party Websites

Our website may contain links to third-party websites or services. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites.

Your use of third-party websites is at your own risk, and you should review their terms and privacy policies before use.

10. Privacy and Data Protection

Your use of our website is subject to our Privacy Policy, which is available at intellicrest.io/privacy.

By using our website, you consent to our collection and use of your information as described in our Privacy Policy, in accordance with applicable data protection laws including UAE Federal Decree-Law No. 45 of 2021 (UAE PDPL) and the EU General Data Protection Regulation (GDPR) where applicable.

11. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be effective immediately upon posting to this page with an updated "Last Updated" date.

Your continued use of the website after changes are posted constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.

12. Age Restriction and Professional Use

Our website and services are intended for business and professional use only. You must be at least 18 years of age to use our website.

By using our website, you represent and warrant that:

• You are at least 18 years of age
• You are using the website for business purposes
• You have the authority to bind your organization to these terms (if applicable)
• You comply with all applicable insurance licensing and regulatory requirements

13. Governing Law and Jurisdiction

These Terms & Conditions shall be governed by and construed in accordance with the laws of the United Arab Emirates, without regard to its conflict of law provisions.

Any disputes arising from or relating to these terms or your use of our website shall be subject to the exclusive jurisdiction of the courts of Dubai, United Arab Emirates.

14. Severability

If any provision of these Terms & Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

15. Contact Information

If you have any questions about these Terms & Conditions, please contact us:

Intellicrest
[Complete Legal Address]
Dubai, United Arab Emirates

Email: legal@intellicrest.io
Website: intellicrest.io

This is a preliminary version of our Terms & Conditions and is subject to change. We are working with legal counsel to finalize comprehensive terms. This document was last updated on February 14, 2025.