Effective Date: 2025

1. Introduction

Welcome to Inaya Insurance Services. These Terms and Conditions (“Terms”) govern your use of our website, products, and services. By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree with these Terms, please refrain from using our services.

2. About Us

Inaya Insurance is a provider of professional insurance services, including but not limited to professional liability, business owner’s policies (BOP), workers’ compensation, and other related coverage. We aim to provide comprehensive and reliable insurance solutions tailored to meet the needs of professionals and businesses.

3. Services Offered

Our services include various types of professional insurance, including:

• Professional Liability Insurance: Protects professionals against claims of negligence, errors, or omissions.
• Business Owner’s Policy (BOP): A combination of general liability and property insurance designed for small businesses.
• Workers’ Compensation Insurance: Covers medical costs and lost wages for employees injured on the job.

Details of each service, including terms, premiums, and exclusions, are provided in the respective product information on our website.

4. Use of Our Website

By using our website, you agree to:

• Provide accurate and truthful information when using our forms or requesting quotes.
• Not engage in any illegal or unauthorized activity, including attempting to access our systems without authorization.
• Respect all intellectual property rights, including but not limited to trademarks, copyrights, and patents.

5. Eligibility for Insurance

To qualify for any insurance products or services offered by Inaya, you must:

• Be a professional or business entity in need of insurance coverage.
• Provide truthful and complete information as requested during the application process.
• Agree to the terms outlined in your insurance policy upon purchase.

6. Application Process

When applying for insurance, you will be required to submit specific information, including but not limited to:

• Personal or business details
• Nature of services provided
• Financial and operational history
• Any claims history or previous coverage

We may require additional documentation or information as part of the underwriting process.

7. Insurance Premiums and Payments

Premiums for our insurance products will vary depending on the coverage type, risk factors, and other underwriting criteria. Payments for premiums are due as outlined in the insurance policy and may be made via credit card, bank transfer, or other methods available on our website.

8. Claims Process

If you need to file a claim, you must do so promptly and in accordance with the instructions provided in your policy. The claims process may include submitting relevant documentation, including evidence of the incident, and cooperating with the investigation. Claims are subject to the terms and conditions outlined in your policy.

9. Limitation of Liability

To the fullest extent permitted by law, Inaya Insurance will not be held liable for any indirect, incidental, special, or consequential damages arising from the use of our services, website, or insurance products. Our total liability will be limited to the amount paid by you for the insurance coverage in question.

10. Termination of Services

We reserve the right to suspend or terminate your access to our website and services at any time, for any reason, including but not limited to:

• Violation of these Terms
• Fraudulent or unauthorized use of our services
• Non-payment of premiums or fees

11. Privacy and Data Protection

Your privacy is important to us. Please refer to our Privacy Policy for information on how we collect, use, and protect your personal data. By using our services, you consent to the collection and use of your data as described in the Privacy Policy.

12. Changes to Terms and Conditions

We reserve the right to modify or update these Terms at any time. Any changes will be posted on this page with the updated effective date. We encourage you to review these Terms periodically to stay informed of any changes.

13. Governing Law

These Terms are governed by the laws of Egypt. Any disputes arising from these Terms will be subject to the exclusive jurisdiction of the courts in Egypt.