Effective Date: 17/04/2025

Welcome to GIG/Jordan’s Website!

Gulf Insurance Group/Jordan, a duly registered public listed shareholding company in the Hashemite Kingdom of Jordan, holding national number (200001238) (“we”, “our”, “us”, “GIG/Jordan”), is dedicated to providing insurance services. We operate the website located at (https://www.gig.com.jo) and other products, services, and mobile applications with links to these Terms and Conditions (“Terms and Conditions”), including without limitation the GIG‑Jordan Application (collectively, the “Site(s)”, “Website(s)”, “Online Channels”, and/or “App(s)”, unless otherwise specified). Users of the Sites and/or our customers of our Online Channels/purchasers of Insurance Policies are referred to below as “Users”, “Customer(s)”, “you”, “your”, or “yours” as the case may be.

Definitions

Content: means any text, graphics, audio, video, software, data, and/or any other form of information that appears on our Online Channels.
Online Channels: means any of our selling channels including our website, mobile application, or any other channel approved by us officially.
Insurance Policy: means any insurance policy issued by us electronically through our Online Channels, including medical, travel, motor, domestic or home assistance, or property insurance policies.
Intellectual Property: includes, without limitation, inventions, discoveries, designs, know‑how, processes, business methods, patents, trademarks, copyrights, computer software, ideas, creations, writings, photographs, and motion pictures, whether in hard copy or electronic form.

Acceptance of Terms and Conditions and Modifications

By using our Website(s), App(s), and Online Channels, you agree to these Terms and Conditions, our Privacy Policy, and any other published policies. This agreement is legally binding. If you do not accept any part of these Terms, do not use our Online Channels or purchase Insurance Policies through them.

We reserve the right to modify or update these Terms, the Privacy Policy, and other policies at any time. It is your responsibility to review the most current version. Your continued use of our Online Channels after any changes constitutes acceptance of those changes.

When visiting or using the Website, your information will be processed by GIG/Jordan for the purposes stated in the Privacy Policy, where applicable and legally permissible.

 Our Services through the Website(s)

Through our Online Channels, we are honored to offer the issuance of Insurance Policies digitally, including but not limited to medical, travel, motor, domestic or home assistance, property insurance policies, medical claims processing, and/or any other services as GIG/Jordan finds adequate (“Insurance Services”), subject to these Terms and Conditions, GIG/Jordan’s internal policies, and the relevant Insurance Policy wording.

Some Insurance Services may be modified, added, removed, suspended, or omitted for all, some, or individual Customers at our sole discretion.

We also reserve the right to reject any order to purchase an Insurance Policy, refuse renewal, limit coverage, or differentiate in pricing, terms, or benefits if justified by technical or actuarial reasons, previous experience, or other valid grounds.

The terms and conditions of each Insurance Policy shall govern its termination or amendment.

If any marketing campaign is conducted through the Online Channels, your continued use constitutes acceptance of that campaign’s terms. We may modify, suspend, or terminate such campaigns at any time without liability.

 Submitting Applications and Account Registration

To use some of our services, including insurance services, you must submit an order and/or register on our Website(s)/App and agree to these Terms and Conditions.

You must be of legal age to enter into a contract. If you are not legally able to do so, you must obtain parental permission. If you are under 18, some services may not be available without parental involvement and confirmation.

Representations and Warranties

By using our Online Channels, you represent and warrant that:

1.  All personal information you provide is true, accurate, complete, and correct.
2.  All personal information you provide is true, accurate, complete, and correct.
3. You have the legal capacity to agree to and comply with these Terms and Conditions.

You agree to update us promptly with any changes to your information, including your mobile number. Limited personal information may be sent to you via email, SMS, or mobile notifications.

If any information is found to be untrue, inaccurate, or incomplete, we may terminate these Terms and/or suspend your account without liability.

 Payment Terms

You acknowledge and agree that:

• Payments must be processed through the payment methods provided by GIG/Jordan.
  

• You must provide accurate and up‑to‑date payment information.
  

• Services are provided only after full payment is successfully processed.
  

• Incomplete or incorrect payments will result in automatic cancellation of your order without notice.
  

• Payment terms are subject to the Insurance Policy terms, including refund rules.
  

• Prices may be changed or modified at any time.
  

• Fees and taxes imposed by regulatory authorities may apply.
  

• Payments through third‑party providers are subject to their terms and conditions.

User Accounts and Security

You are responsible for maintaining the confidentiality of your account and password. Notify us promptly of any unauthorized access. We may suspend or terminate accounts for security reasons.

 Anti‑Money Laundering and KYC

We comply with applicable AML laws in Jordan. Suspicious activity may be reported to relevant authorities, and contractual relationships may be terminated.

All personal information provided for KYC purposes must be accurate, true, and complete.

 User Behavior

You must use the Website(s) and/or App responsibly and not engage in unlawful, offensive, harmful, fraudulent, abusive, or otherwise prohibited conduct.

You may not:

• Promote or sell Insurance Policies to third parties without written approval.
  

• Misuse the Online Channels or issued Policies.
  

• Access the Website/App in a way that causes damage or violates laws.
  

• Impersonate others or provide false information.
  

• Use automated tools to access our systems.
  

• Use another person’s login credentials.

Third‑Party Services and Links

We do not endorse or guarantee third‑party services. You access third‑party websites at your own risk.

Mobile Features

Standard data/messaging fees may apply. You are responsible for keeping your device and App updated.

Mandatory Removal

Any violation may result in immediate termination of access.

Intellectual Property

No trademarks, logos, content, or materials may be used, copied, reproduced, or distributed without our prior written permission.

Confidentiality

Your personal data will remain confidential and will not be disclosed except as required by law, business needs, service provision, legal cases, or with your consent.

Data Privacy

By using our Online Channels, you consent to the use of your personal data as outlined in our Privacy Policy. Continued use after updates constitutes acceptance.

Notifications may include sensitive information. If you prefer not to receive such notifications, update your account settings.

 Communication

We may contact you via SMS, calls, or email regarding your account, Insurance Policies, or services. By providing your contact information, you consent to such communications.

Termination of Services

We may suspend or terminate your account, Insurance Policies, and/or services for violations of the Terms, Privacy Policy, or other applicable conditions.

 Limitation of Liability

Our Online Channels are provided “as is” and “as available.” We disclaim all warranties and are not liable for errors, interruptions, inaccuracies, viruses, or damages resulting from use.

Governing Law and Jurisdiction

These Terms are governed by the laws of the Hashemite Kingdom of Jordan. Any disputes shall be resolved through the Central Court of Amman (Palace of Justice), Jordan.

 Contact Information

For inquiries, contact GIG/Jordan’s call center at 06‑5609888 or email [email protected].

General Provisions

• Force Majeure: We are not liable for delays beyond our control.
  

• Severability: Invalid provisions do not affect the remainder.
  

• Waiver: Failure to enforce a provision does not constitute a waiver.
  

• We may deny access to Online Channels at our sole discretion.
  

• If your relationship with us is terminated, you may not access the Online Channels under any name.
  

• We may take legal action for violations, including civil or criminal proceedings