I/We hereby confirm that the material facts contained in this proposal form are true and correct to the best of my/our knowledge and belief and I / We have not concealed, misrepresented or misstated any material fact.
I / We further undertake to inform the company of any material alterations to these facts occurring during the currency of this policy within 7/10 days from the date of occurrence of change through serving notice (as per advised format) upon the company, failing which , the company shall be discharged of its liability of its claim and the company shall be free to rely upon the non-disclosure as ground for refusing to pay claim or for diminishing a claim which was otherwise payable.
I/We agree that the statements and declaration contained in this proposal form shall be the basis of my / our beneficiary status in the Takaful Fund and deemed to be incorporated in the policy.
I/We hereby undertake to contribute the agreed amount to the Takaful Fund maintained and operated by the company.
I/We understand that as per rules of the Takaful Fund, by doing so I shall stand entitled to the membership of the Takaful Fund and being one of its beneficiaries subject to the rules and regulations of the fund.
As a prospective beneficiary of the Fund, I/We offer my/our property, as specifically described in the attached schedule, for indemnity cover provided by the fund to its beneficiaries.
I/We hereby request to be issued with a confirmation to acknowledge my membership and my consequential rights as a beneficiary of the fund.
Conditions for Website Use
Authorized Non-Admitted Operations
Any and all risks placed with the insurance/takaful company through Alpha Consultants must be placed in accordance with applicable state and federal law, including surplus lines laws and in good faith. The insurance / takaful company experiences changes in the rules of state authorities from time to time, and some information on this website may not be current. The website may contain information or products which may not be available in all cities. The Alpha Consultants has created this website to include relevant information, however no representation is made as to completeness or accuracy of the information it contains.
General Information Only
Any applications, information asked, policy forms, or other documents on this website are for general information only. Customers and policyholders are hereby advised that Alpha Consultants does not warrant that forms on this website are THE INSURANCE/TAKAFUL COMPANY’s current forms, represent coverage provided to any insured/participant or are consistent with any present, future, local, state, or federal statutes, administrative rules, or prevailing case law. The descriptions of insurance / takaful coverage are general in nature and are not a replacement for actual policy language. Accordingly, we strongly recommend that you consult your attorney concerning any forms before becoming a member / registering yourself or your company.
Use of Material from this Site
This website (including all of its contents) is our property and is protected by copyright, trademark, and other laws of the state and other countries. We authorize you to browse through the website and print and download copies of material on the website for the limited purpose of doing business with us, and so long as you do not remove any copyright or other notices that appear on the material you print or download. You agree that you will not otherwise copy, display, or transmit any material on the website in any manner or medium.
“AS IS” Use
The materials on our website are provided “AS IS” and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, non-infringement, freedom from computer virus, and warranties arising from course of dealing or course of performance. We do not represent or warrant that the functions contained in the website will be uninterrupted or error-free, that defects will be corrected, or that the website or the server that makes the website available is free of viruses or other harmful components. We do not make any warranties or representations regarding the use of the materials in the website in terms of their completeness, correctness, accuracy, adequacy, usefulness, timeliness, reliability or otherwise. You are responsible for the entire cost of any damage to your computer system or loss of data.
Limitation of Liability
Your use of the website is at your own risk. To the fullest extent permitted under applicable law, you understand and agree that neither we, nor any third-party, as content providers shall be liable for any direct, indirect, incidental, special, consequential, punitive, exemplary, or any other damages relating to or resulting from your use or inability to use the website or any other site you access through a link from the website or from any actions we take or fail to take. These include damages for errors, omissions, interruptions, defects, delays, computer viruses, your loss of profits, loss of data, unauthorized access to and alteration of your transmissions and data, and other tangible and intangible losses. This limitation applies regardless whether the damages are claimed under the terms of a contract, as a result of negligence or otherwise, and even if our representatives or we have been negligent or have been advised of the possibility of such damages. These limitations shall apply notwithstanding any failure of essential purpose of any limited remedy. In no event shall our total liability to you for all damages, losses, and causes of action, whether in an action under contract, tort, or any other theory, exceed Rs.1000/00.
Jurisdictional AgreementUse of this website shall be governed by and construed in accordance with the laws of the State , without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these terms and conditions shall be filed only in the state courts located in Rawalpindi and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any material on the website, or your use of the website, is contrary to the laws of the place where you are when you access it, the website is not intended for you, and we ask you not to use the website. You are responsible for informing yourself of the laws of your jurisdiction and complying with them.
Our failure to insist upon or enforce strict performance of any provision of these terms and conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any of these terms and conditions.
All rights reserved. No materials from this website may be copied, reproduced, republished, posted, or distributed in any way, except as expressly permitted herein or with the prior written consent of ALPHA CONSULTANTS.
ALPHA CONSULTANTS designs and logos contained on this site are trademarks of The company . (“ALPHA CONSULTANTS”) and may not be used without the express written consent of THE COMPANY.
IMPORTANT NOTICE: It is your contractual responsibility to report any Claim, Loss or lawsuit, or any incident or event which could reasonably lead to a Claim, Loss or lawsuit, directly to us as set forth in the Policy. If for any reason you are unable to use our Online Claims App for this purpose, it is still your responsibility to report any such Claim, Loss, lawsuit, incident or event to us as set forth in the Policy by another method such as by TELEPHONE / EMAIL (Given in the policy) Your failure to do so may jeopardize any coverage as set forth in the Policy.
The Company writes in all cities / towns / districts of Pakistan.
All information, content, and materials available on this site are for general informational purposes only. This information does not, and is not intended to, constitute legal advice on any particular set of facts or circumstances, and may not constitute the most current legal developments. No user or browser of this site should act or refrain from acting based on the contents of this site without first seeking legal advice from counsel in the appropriate jurisdiction. This website may also contain links to content from third-party web sites which are intended only as a convenience for the user or browser and are not necessarily recommended or endorsed by The Alpha Consultants and its affiliates. All liability with respect to actions taken or not taken based on the contents of this site are hereby expressly disclaimed. The content on this website is provided "as is" and no representations are made that the content is free of errors.
Alpha Consultants has no liability of any sort regarding the claims, liability, etc. All liabilities are to be borne by the insurance / Takaful provider.
ALPHA CONSULTANTS recognizes the importance of protecting your personal data; for this reason, ALPHA CONSULTANTS adopts specific policies and security measures to protect your personal data.
In this Privacy Notice, “we”, “us” and “our” means ALPHA CONSULTANTS and “you” and “your” means you, the Website user.
In addition to those defined words and expressions, references to:
“personal data” means any data/ information that we have obtained from you or third parties in connection with a service or product provided to you that is held now or at any time in the future by us.
2. ACCEPTANCE OF THE POLICY
3. DATA WE COLLECT
When you visit our website we may collect the following information from you:
Online and electronic interactions with us including this websites, mobile applications and third party social networks (e.g. Facebook/Twitters etc). Furthermore, name, job title, contact information including email address, demographic information such as postcode and other information as required by SECP, GOP relevant to INSURANCE / TAKAFUL COVERAGE , customer surveys and/or offers.
Details of your visits to our website and the resources that you access, including, but not limited to, traffic data, location data, weblogs and other communication data.
3.1. SENSITIVE DATA
“Sensitive information” is a subcategory of personal information which may include information or opinion about an individual. The sensitive information we collect about you may include:
- health and other medical information;
- lifestyle information that relates to insurance/takaful; and
- Criminal history.
4. PERSONAL DATA OF ANYONE UNDER 18
We would like to further inform you that ALPHA CONSULTANTS does not collect personal data from anyone under the age of eighteen. We kindly ask those who are under the age of eighteen to not proceed with the insertion of their personal data and to ask adults to proceed with the required procedures.
5. PROTECTION OF CONFIDENTIAL DATE/INFORMATION
If you do choose to provide us with personal information, you can be assured that such information is kept in secured databases. We may use anything we know about you to help us serve you better. We may use it, and disclose it to our affiliates and others, for any purpose allowed by law.
6. STORING YOUR PERSONAL DATA/ INFORMATION
We store your data/information in a number of ways including electronic systems and devices; in telephone recordings and/ or in paper files.
7. DISCLOSING YOUR DATA/INFORMATION
Information may be disclosed by us for the following reason as set forth below but not limited to:
7.1 We may use the information we collect for analytical purposes, and to assist us in improving our processes, products and services.
7.2 We may use your information to evaluate your request for ALPHA CONSULTANTS’s general products and / or services.
7.3 To use for internal record keeping.
7.4 To confirm the authenticity of your profile(s) to enable us further proceed with your transaction.
7.5 To confirm whether any claims, illegal act or breach of law, if any has been charged against you in the past to protect our interest.
7.6 ALPHA CONSULTANTS may provide your personal data to its affiliates or related companies for legitimate business purposes.
7.7 ALPHA CONSULTANTS may disclose your personal data if it is required to do so by law or if, in ALPHA CONSULTANTS’s good faith judgment, such legal disclosure is reasonably necessary to comply with legal processes or respond to any claims. In the event of a full or partial merger with, or acquisition of all or part of ALPHA CONSULTANTS by another company, the acquirer would have access to the information maintained by that ALPHA CONSULTANTS, which could include personal data.
7.8 ALPHA CONSULTANTS may engage service providers, agents or contractors to provide services on its behalf, including administering of ALPHA CONSULTANTS’s Website and services available to you. These third parties may come to access or otherwise process your personal data in the course of providing these services.
Information may be disclosed to the extent that such disclosure is required by law, regulations or court order. Information may also be given to whoever has a legal interest in your insurance/takaful, such as financial institutions, NBFI’s, Brokers Involved, Insurance / Takaful companies involved as service providers of your policy. Furthermore, we do not sell, rent or trade your personal information to others. We may give general statistics about our customers, sales, and related site information to other companies however these statistics will not include any information that personally identifies you, unless we have said otherwise in this policy.
8. RETENTION OF DATA/ INFORMATION
ALPHA CONSULTANTS will only retain your personal data for as long as it is necessary for the stated purpose, taking into account also our need to answer queries or resolve problems, provide improved and new services, and comply with legal requirements under applicable laws. This means that we may retain your personal data for a reasonable period after your last interaction with us. When the personal data that we collect is no longer required in this way, we destroy or delete it in a secure manner.
9. WEBSITE LINKS
11. CONTACT US
We are committed to resolving any complaints you may have regarding Our Website; please contact us at any time, please contact us by emailing us at email@example.com.