Al Baraka Takaful Insurance Company Terms of Use and Privacy Policy

Please note: These Terms of Use and Privacy Policy (“the Terms and Policy”) apply to all content of the website of Al Baraka Takaful Insurance Company – Tanzania (“the Website”) located at the domain www.albaraka-takaful.co.tz and specifically to any use of the Website, such as browsing, correspondence via email, and any collection or use of users’ personal data or information done through the Website. At Al Baraka, we are committed to providing our services in accordance with the principles of Takaful and Shariah solidarity. Please read these Terms and Policy carefully before using the Website. Use of the Website indicates your acceptance of these provisions, regardless of your choice to register with us or not, or your purchase or non-purchase of any of our services. Do not use the Website if you do not agree to these Terms and Policy. These Terms and Policy have been issued by Al Baraka Takaful Insurance Company, United Republic of Tanzania, [Dar es Salaam, Tanzania], Tel: [+255 22 292 6563, +255 22 292 6564].

1: Introduction

You may access most parts of the Website without registering your personal data or information, but certain sections of the Website are designated for registered users only. Your use of and access to any page of the Website constitutes full acceptance of these Terms and Policy. If you do not accept these Terms and Policy, you must leave the Website immediately. The Company may amend these Terms and Policy at any time by updating this notice, and you are required to check the Website from time to time to review any new developments in these Terms and Policy, as they are binding upon you. There may be other terms, conditions, or provisions on certain pages of the Website that will apply and take precedence over the terms, conditions, and provisions set forth in these Terms and Policy. Any amendment or cancellation shall be effective from the date of its update and appearance on the Website.

2: Intellectual Property

You may print and download excerpts from the Website for your personal use on the following conditions:

• Not to modify or distort any documents, graphics, information, or data mentioned or related to the Website in any way.
• Not to use any graphics, logos, or trademarks on the Website separately from the accompanying text.

3: Availability of Services

Al Baraka strives through the Website to provide useful details and information about various Takaful insurance services. However, some of the details and information related to those services may change from time to time. Please note the following, which applies at all times:

• The display of any service described on the Website is not intended to constitute an offer to sell or an offer to provide the service.
• The Company does not represent or warrant that all its services referred to on the Website are available or accessible at all its offices or branches at all times.

4: Access to the Website

The Company strives to keep the Website available for use 24 hours a day; however, the Company shall not be responsible for any reason if access to the Website is unavailable at any time. Access to the Website may be temporarily suspended without prior notice or legal liability in the case of maintenance, repair, system failure, or for any reasons beyond the Company’s control.

5: Internet Service

The Company bears no responsibility related to the user’s ability to access the internet network in a timely manner or any disruption or failure in entering information due to the internet network.

6: Code of Conduct and Protection of User Information

Unless expressly stated otherwise by the Company, any personal data or information that users of the Website upload to the Website will be considered confidential in nature, and the Company will not publish or share it with any third party for marketing purposes, unless the user explicitly agrees, or the third party is obligated to maintain the confidentiality of such personal data or information, or the Company is required to disclose it in accordance with the provisions of the law or for sharing it with the Shariah Supervisory Board for the oversight of Takaful products and operations. If a user publishes or broadcasts any information or data publicly on the Website (such as posting comments or otherwise), it will be considered non-confidential and not subject to proprietary rights. The Company and its designers shall have no obligations regarding such information or data; the Company and its designers retain full freedom to copy, disclose, distribute, merge, and otherwise use materials such as data, images, sounds, and texts described here for any purposes the Company deems appropriate. You are prohibited from publishing or broadcasting any material to or from the Website:

• Any material that is threatening, defamatory, obscene, indecent, inflammatory, offensive, pornographic, abusive, incites racial hatred, discrimination, threats, scandal, is provocative, offensive to religion, causes a breach of trust, violates privacy, or is likely to cause annoyance or harassment.
• That for which you have not obtained all necessary licenses and/or approvals.
• That constitutes or encourages conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate the law or infringe the rights of any third party in any country in the world.
• That is technically harmful (including, but not limited to, computer viruses, source code, Trojan horses, computer worms, malicious components, corrupted data, or other malicious software or data).
• You may not misuse the Website (including, but not limited to, by hacking).

7: Health-Related Information

Any information on the Website related to health or healthcare does not constitute medical advice, and the Company is not responsible for any circumstances arising from the use, misuse, interpretation, or application of any such information. You may not use any of the information on the Website, in whole or in part, for the purpose of diagnosis or treatment for any type of illness.

8: Links to and from Other Websites

Links available to third-party websites on the Website are provided solely for your convenience. If you use these links, you are therefore leaving the Website. The Company has not verified all of these third-party websites, does not control them, and is not responsible for these websites, their content, or their availability. Therefore, the Company does not endorse or make any representation about them, any materials found there, or any results that might be obtained from their use. If you wish to access any of the third-party websites linked to the Website, you may do so at your own risk.

9: Registration

Each registration is for a single user only. The Company does not permit you to share your username and password with any other person or with multiple users on the network. The user is fully responsible for maintaining the security of any issued passwords.

10: Disclaimer

While the Company strives to ensure the accuracy of the information and data on the Website, it does not guarantee the accuracy or completeness of the information or data on the Website (including, but not limited to, any information about its services). The information and data on the Website are published “as is” without any other warranties or commitments of any kind.

11: Liability

The Company shall not be liable for any loss or damage arising from the use or inability to use the Website.

12: Governing Law and Jurisdiction

These Terms and Policy are governed by and construed in accordance with the laws of the United Republic of Tanzania, and specifically the Personal Data Protection Act, 2022. Any dispute, disagreement, or claim arising out of or relating to these Terms and Policy shall be resolved amicably by the parties within 30 working days. If no amicable solution is reached, the dispute shall be finally resolved before the competent courts in Dar es Salaam, Tanzania.