We want you to:
We may collect the following types of information:
Information is collected by:
Note: External websites linked to our site are not covered by this privacy policy.
We use personal information to:
We use anonymous traffic information to:
Your personally identifiable information will not be shared with third parties unless:
Financial information will only be used to provide services to you.
Providing personal information is voluntary. You may:
We implement appropriate safeguards to protect your information. However, Internet transmissions cannot be guaranteed completely secure.
By using this site, you agree that Middle East for Insurance will not be liable for information disclosure caused by transmission errors or unauthorized actions.
By placing an order, you are purchasing a license to use the software. Copyright remains with Middle East for Insurance.
Copyright infringement will result in license termination, suspension of services, and possible legal action.
We reserve the right to change or update these policies with reasonable notice, effective immediately upon posting.
PLEASE READ THE ENTIRE TERMS OF USE BEFORE ACCESSING OR USING THE INSURANCE APP.
This Terms of Use is an agreement between Users (“You, Your or Yourself”) and Insurance (Eagle Company) (“We, Us, or Our”), a limited liability company duly established and legally operating under the laws of the Republic of Iraq and domiciled in DKI Jakarta, Iraq. This Terms of Use governs Your access and use of the app, website (mefins.com, and other websites We manage), content, and products provided by Us (hereinafter, collectively referred to as “Insurance”), as well as order, payment or use of the service available on Insurance (“Service or Services”).
By agreeing to this Terms of Use, You also agree to additional Terms of Use, including the Terms of Use of each Service, and changes that are an integral part of this Terms of Use (hereinafter, the Terms of Use, additional Terms of Use and its changes are collectively referred to as “Terms of Use”). Notwithstanding the inseparability, the additional Terms of Use supersede the Terms of Use in case of any discrepancies among them.
This is the main idea from our app, nothing related to perlaman or government
The access and use of Insurance are subject to this Terms of Use.
You have full discretion either to use the Insurance or other apps, whether to use Services available on Insurance, or to stop using the Insurance.
We only facilitate You in finding various insurance Services You need by providing Insurance. All Services are provided directly by independent third parties who agreed to become Our partners (“Insurance Provider”).
When ordering an insurance Service, the Insurance will connect You with the available Insurance Provider around Your location. Thus, some Services cannot be used if You do not activate the location feature.
Furthermore, if the Insurance Provider accepts Your order, We will inform You of Your order status through Insurance.
Before using Insurance, You must agree to this Terms of Use and Privacy Policy, and register Yourself by providing information We need. When registering, We will ask You to provide Your full name, electronic mail address, and mobile number. You may change Your profile information in the settings feature in Insurance.
After registering, Our system will automatically generate a verification code and send the verification code via a text message to the mobile phone number You provided. You have to verify by entering the verification code on the registration page in the Insurance.
After verifying, Our system will create a personal Insurance account (“Account”) for You to use the Insurance and order Services through Insurance. Your mobile number is ascribed to Your account, and You cannot create a new account with a registered mobile number. The same is true if You later change Your mobile number in the settings feature in Insurance.
In the event that You have been logged out of Your Account, You need to enter your electronic mail address or mobile phone number you provided when registering and enter the verification code, which will then be automatically sent by Our system to Your registered mobile phone number, on the log-in page.
THE VERIFICATION CODE (ONE TIME PASSWORD/OTP) IS PRODUCED AUTOMATICALLY BY OUR SYSTEM. WE DO NOT KNOW AND NEVER ASK FOR YOUR VERIFICATION CODE. NEVER PROVIDE THE VERIFICATION CODE TO ANYONE, EVEN TO US OR OTHER PARTIES WHO CLAIM TO BE OUR REPRESENTATIVES.
Your Account can only be used by You and cannot be transferred to other people for any reason. We reserve the right to refuse to facilitate orders if We know or have sufficient reasons to suspect that You have transferred or allowed Your Account to be used by someone else.
The security and confidentiality of Your Account, including registered name, electronic mail address, registered mobile number, payment details and Payment Method You choose, as well as the verification code generated and sent by Our or the Payment Method Provider’s system, are fully Your responsibility. All losses and risks arising from Your negligence in maintaining such security and confidentiality are borne by You. In such cases, We assume any use or order made through Your Account as Your legitimate request.
Immediately notify Us upon knowing or suspecting that Your Account has been used without Your knowledge and consent. We will take actions We consider necessary and appropriate to address that unconsented use.
If You are an Insurance Provider, You shall not use Your personal Account or someone else’s account to order a service that You will receive Yourself as an Insurance Provider.
When you purchase an insurance policy through Insurance, you agree to pay the premium amount specified for the selected insurance coverage. Payment can be made using various methods, including credit/debit cards, electronic wallets, or other payment methods as made available by Us.
All payments are processed through secure payment gateways, and you are responsible for ensuring that the payment information you provide is accurate and up to date. By providing your payment information, you authorize Us to charge the specified amount to your chosen payment method.
In the event of a failed payment or if your payment method is declined, we reserve the right to suspend or cancel your insurance policy until the payment issue is resolved. You will be notified of any payment issues via the contact information you provided during registration.
We may also charge additional fees for certain services or features related to your insurance policy, which will be clearly communicated to you prior to your purchase.
Collection, storing, processing, use, and sharing of Your personal information, such as Your name, electronic mail address, and mobile phone number You provided when opening an Account are subject to the Privacy Policy, which is an integral part of this Terms of Use.
We or other parties that cooperate with Us may provide Third-Party Content which You may find on the Insurance. In any event where the Third-Party Content is provided by other parties cooperating with Us ("Third-Party Content Provider"), We are not liable for any part of the Third-Party Content. Your access to or use of the Third-Party Content constitutes Your agreement to the terms and conditions set forth by Us or the Third-Party Content Provider, including Our or the Third-Party Content Provider’s Privacy Policy.
Third-Party Content means any information, data, or actual news, made, edited, developed, and/or maintained by the Third-Party Content Provider itself or obtained by the Third-Party Content Provider from other third parties, where the Third-Party Content Provider is responsible for procuring any permission necessary to display such Content. This includes but is not limited to texts or writings, images, quotes, photographs, illustrations, animations, videos, voice recordings or music, titles, and/or descriptions exhibited on the Insurance, including any link to the content.
We or other parties cooperating with Us may provide offers or promotions ("Offers") that are exchangeable for goods, Services, or other benefits related to the use of Insurance. In any event where Offers are provided by other parties cooperating with Us ("Offers Providers"), We are not liable for any part of the Offers. Your access to or use of the Offers is Your conformity to the terms and conditions set forth by Us or the Offers Providers, including Our or the Offers Provider’s Privacy Policy.
All information and Offers contained in the Insurance are intended solely to provide You with the best experience when using the Insurance or Services. You shall not abuse Offers received during the use of the Insurance or Services.
You agree to utilize the Offers in accordance with the terms, conditions, and purposes of the Offers and will not abuse, duplicate, monetize, transfer, use for commercial purposes, or take unfair advantage of the Offers in any manner whatsoever.
You understand that Offers are not exchangeable for cash, have a limited validity period, and are subject to the conditions that apply to each of the Offers.
The Insurance is free to download. However, We may charge prices and/or fees for using certain features of the Insurance in the future.
Services available on the Insurance are subject to rates that You can find on the Insurance before You order the Service. We may adjust or renew rates from time to time based on certain factors, including location, time, type of Services, and applicable laws. We may also charge prices and/or fees of a certain amount as payment for using the Insurance, which may be collected by Us, our affiliates, or an Insurance Provider.
You may pay for the Services, Third-Party Content, or Offers You ordered by cash or electronic payment methods, provided by independent third parties ("Payment Method Provider"), on the Insurance, including electronic money, loan facilities, debit or credit cards, or other payment methods ("Payment Method") which may vary from time to time at Our sole discretion.
To enable payment by Payment Method, You have to officially register with the Payment Method Provider You choose and use Your personal payment credentials. If You use another party’s registered credentials, You are fully responsible for all licenses required and all losses or disputes that arise between You and that other party, either caused by You, Us, the Insurance Provider, the Third-Party Content Provider, the Offers Provider, or the Payment Method Provider’s negligence or omission.
We reserve the right to refuse or postpone Your payment request using the Payment Method for certain reasons, including but not limited to any indication or reasonable suspicion of fraud, deceit, violations of the Terms of Use, violations of applicable laws (including those related to card payments, electronic money, payment transaction processes, anti-money laundering, corruption, and terrorism financing), or any unusual or suspicious behavior, including any obligations You have yet to fulfill to Us.
Further provisions regarding the applicable rates for certain Services, Third-Party Content, Offers, and/or Payment Methods can be found in the additional Terms of Use of each Service You order, and in the terms and conditions of the Insurance Provider, Third-Party Content Provider, Offers Provider, and/or Payment Method Provider.
We only provide official Insurance software on official digital markets, such as Google Play Store or Apple App Store, and for use on mobile phones or tablet devices only. Downloading the Insurance from platforms other than official digital markets and/or to devices other than mobile phones or tablets is a violation of these Terms of Use and Our intellectual property rights.
Insurance and Services, including but not limited to names, logos, program codes, designs, trademarks, technologies, database, business processes, and models, are protected by copyright, trademark, patent, and other intellectual property rights available under the laws of the Republic of Iraq, which are registered either on behalf of Us or Our affiliates. We (and our licensors) have all the rights and interests of the Insurance and Services, including all intellectual property rights related to all features contained therein and related intellectual property rights.
Subject to this Terms of Use, We grant You a limited, non-exclusive, irrevocable, non-transferable (without the right to sublicense) license to (i) download, access, and use the Insurance, as is, only on the devices in the form of Your personal mobile phone and/or tablet and solely for the purposes of using the Service, and (ii) access or use content, information, and related materials available on the Insurance solely for personal and not for commercial purposes. All rights and privileges that are not expressly granted herein are reserved by Us or Our licensors.
Any duplication, distribution, creation of derivative works, sale or offer to sell, display either in part or in full, and use of the Insurance and/or Services, either digitally or otherwise or on devices other than mobile phones or tablets, including but not limited to the use of additional applications such as modifiers, emulators, etc., which diverge from this Terms of Use, as well as the intended purposes determined by Us, is a violation of Our intellectual property rights.
You shall not:
You are fully responsible for the decisions that You made to use Insurance, Services, Third-Party Content, Offers, or Payment Method. You shall treat the Insurance Provider, Third-Party Content Provider, Offers Provider, and Payment Method Provider respectfully and shall not engage in unauthorized, threatening, or harassing behaviors when using Services, Third-Party Content, Offers, or Payment Method.
You are fully responsible for any loss and/or claim arising from the use of the Insurance, Services, Third-Party Content, Offers, or Payment Method using Your Account, either by You or other parties who use Your account, in a manner that is contrary to this Terms and Use, Privacy Policy, including the terms and conditions and privacy policy set forth by the Insurance Provider, Third-Party Content Provider, Offers Provider, and Payment Method Provider, or applicable laws and regulations, including but not limited to the purposes of anti-money laundering, anti-terrorism financing, criminal activities, fraud in any form (including but not limited to phishing and/or social engineering activities), violations of intellectual property rights, and/or other activities that are harmful to the public and/or any other parties or are considered damaging to Our reputation.
We provide Insurance as is and We do not represent or warrant that the reliability, timeliness, quality, suitability, availability, accuracy, completeness, or security of the Insurance will fulfill Your needs and suffice Your expectations, including but not limited to Services, Third-Party Content, Offers, and Payment Method which are fully under the Insurance Provider, Third-Party Content Provider, Offers Provider, and Payment Method Provider’s responsibilities. We shall not be responsible for any loss or damage caused by any failure or mistake of the Insurance Provider, Third-Party Content Provider, Offers Provider, or Payment Method Provider or Your failure or mistake in complying with Our, Insurance Provider, Third-Party Content Provider, Offers Provider, or Payment Method Provider’s Terms of Use.
Insurance may experience limitations, delays, and other issues contained in the use of internet and electronic communications, including Your, Insurance Provider, Third-Party Content Provider, Offers Provider, or Payment Service Provider’s device being broken, not connected to the internet, out of range, turned off, or not functioning. We are not responsible for any delay, failure of delivery, damage, or loss arising from such problems.
We do not have any responsibility to oversee Your access or use of the Insurance. However, We still supervise to ensure smooth uses of the Insurance and to ascertain compliances with this Terms of Use, applicable laws and regulations, court orders, and/or administrative institutions or other government bodies’ requirements.
We do not have any responsibility, including to take further actions or legal actions deemed necessary by You, Insurance Provider, Third-Party Content Provider, Offers Provider, or Payment Method Provider, for any problem or dispute that arises between You and the Insurance Provider, Third-Party Content Provider, Offers Provider, or Payment Method Provider. We will, however, facilitate any problems or disputes that arise between You and the Insurance Provider, Third-Party Content Provider, Offers Provider, or Payment Method Provider with reasonably necessary actions. When We facilitate a resolution of problems or disputes between You and the Insurance Provider, Third-Party Content Provider, Offers Provider, or Payment Method Provider, We do not act as a mediator and such action does not cause any further responsibility to Us.
If You experience a system failure, know or suspect that Your account has been hacked, used or misused by other parties, or if Your personal mobile phone or tablet is lost, stolen, hacked, or exposed to a virus, immediately report to Us so We may conduct necessary actions promptly to avoid use, misuse, or further loss.
If You experience troubles or problems related to Services, Third-Party Content, Offers, or payment by Payment Method, or Insurance Provider, Third-Party Content Provider, Offers Provider, or Payment Method Provider’s behaviors, You may submit Your complaint through the feature that We provide, including rating and comment, or by contacting Us.
To submit complaints, questions, objections, etc. (“Report”), You need to provide sufficient information, including but not limited to, a facts summary, evidence You may have, order number, and personal information such as electronic mail address and registered mobile number.
In response to the report You submit, We will first verify the information You provide and Your personal information stored in Our system. If necessary, We may ask You directly to provide information needed for verification purposes.
We may refuse to respond to Your Report if the information You provided does not match the personal information stored in Our system or if the Report is submitted in relation to, toward, on behalf of, or by another party that is different than the Account holder officially registered on our system. We may also stop acting upon Your Report if We, at Our sole discretion, consider that Your Report is not supported by sufficient and clear facts or has been resolved. We may also forward Your Report to the Insurance Provider, Third-Party Content Provider, Offers Provider, or Payment Method Provider to be resolved directly by You and the Insurance Provider, Third-Party Content Provider, Offers Provider, or Payment Method Provider.
For a particular Report related to the Service, We may, at Our sole discretion, facilitate a forum between You and the Insurance Provider for the purpose of reaching an amicable settlement. In this case, if You still deem necessary to take further actions, including any legal action, You may do so at Your sole responsibility.
For a particular Report related to the Payment Method, We may refund You by mechanisms determined by Us or together with the Payment Method Provider, at our sole discretion. We will not refund another party that differs from the registered credentials on Insurance Account or Payment Method Provider, including if You use another party’s credentials to pay using the Payment Method.
You may delete the Insurance from Your mobile phone and/or tablet at any time. We do not have any obligation to you for any matters arising from the time of removal of the Insurance, temporary suspension, or permanent suspension of Your Account. However, You are still responsible for fulfilling Your obligations that have arisen, including but not limited to, any obligations that may arise as a result of disputes, claims, or other existing legal actions, before the date of the removal of the Insurance, temporary suspension, or permanent suspension of Your Account.
Your account may be temporarily or permanently suspended because of, including but not limited to, the following:
If Your account is suspended and You have clear evidence that Your account should not be suspended, You may Report the evidence to Us. After further examining Your Report, We will, at Our sole discretion, determine to end or continue suspending Your account. Suspension will not be continued unreasonably if We decided matters that caused the suspension have been resolved.