Consumer Protection & Code of Conduct

• The ​right of safety
• The consumer’s right of safety from products and services that may harm his health and safety.
• The right to know
• The right of the consumer to know the​ correct information about the goods and services (foodstuff for example by referring to the expiration date, ingredients, etc.)
• The right to choose
• The right to have multiple alternatives of goods and services of quality and at competitive prices.
• The right to listen to his opinion
• The right of the consumer to express his opinion on the quality of the goods their prices and availability.
• The right of education
• ​The right of the consumer to acquire knowledge and skills and to raise his awareness of his rights and responsibilities through permanent awareness programs.

Consumer Responsibilities

• The consumer shall verify the details of the service or goods, check the available options, and compare them in terms of specifications, warranty and price before the purchase.
• The consumer shall examine the product or service and make sure that the product or service comply with the agreed requirements and specifications.
• The consumer shall document the agreements made by the seller, make sure to get the purchase invoice and ascertain the information included in the invoice before signing the same and before leaving the shop.
• The consumer shall ensure that the proper instructions followed and the manual of the products and services complied.
• If there is a problem with the product or service, the consumer shall visit the shop and explain the problem to the seller to solve the problem before filing a formal complaint with the Consumer Protection Department.
• The consumer shall know the policies of the shop especially the replacement and return policy.
• The consumer shall report the illegal practices and retailer who do not comply with the business laws and regulations.

1. Compliance with UAE Laws and Regulations

All employees and associates of Insurancepolicy.ae must strictly adhere to the UAE’s laws and regulations governing insurance brokerage activities.

The company shall comply with the directives and guidelines set forth by the UAE Insurance Authority, including maintaining necessary licenses and permits.

2. Integrity and Honesty

Insurancepolicy.ae commits to conducting all business dealings with the utmost integrity and honesty.

Misrepresentation, fraud, or any form of deceptive practices are strictly prohibited.

3. Client Confidentiality

The confidentiality of client information is paramount. All personal and financial information obtained during business must be protected and used solely for the purpose of providing insurance services.

Employees must adhere to UAE data protection laws and ensure that all client information is stored securely.

4. Transparency and Disclosure

The company shall ensure full transparency in all communications with clients, including clear disclosure of terms, conditions, fees, and risks associated with insurance policies.

Any potential conflicts of interest must be disclosed to clients upfront.

5. Fair Treatment of Clients

All clients shall be treated fairly and with respect. Discrimination of any form is strictly prohibited.

Insurancepolicy.ae is committed to providing high-quality services and ensuring that client needs and interests are prioritized.

6. Professional Competence

Employees and representatives of the company must maintain a high level of professional competence through continuous education and training.

All advice and recommendations provided to clients must be accurate, current, and in the best interest of the client.

7. Ethical Marketing and Sales Practices

The company will engage in ethical marketing practices, ensuring that all promotional materials are truthful, clear, and not misleading.

Employees are prohibited from engaging in aggressive sales tactics or providing false promises to clients.

8. Anti-Bribery and Corruption

Insurancepolicy.ae has a zero-tolerance policy towards bribery and corruption.

Employees must not offer, give, solicit, or accept any form of bribe or improper payment to or from clients, vendors, or government officials.

9. Conflict of Interest

Employees must avoid any situation that may create a conflict of interest between their personal interests and the interests of Insurancepolicy.ae or its clients.

Any potential conflicts of interest must be disclosed to management immediately.

10. Reporting Violations

Employees are encouraged to report any suspected violations of this Code of Conduct or any illegal activities.

The company shall protect whistleblowers from retaliation and ensure that reports are investigated thoroughly and fairly.

11. Compliance with Anti-Money Laundering (AML) Regulations

The company shall comply with all UAE Anti-Money Laundering (AML) regulations.

Employees must report any suspicious activities or transactions as per the guidelines set by UAE authorities.

12. Social Responsibility

Insurancepolicy.ae is committed to contributing positively to the community and environment.

The company shall engage in socially responsible activities and ensure that its operations minimize negative impacts on society and the environment.