Privacy Policy

Amana Takaful (Maldvides) PLC built the Website and Mobile App as an internal sales channels. This SERVICE is provided by Amana Takaful (Maldvides) PLC at no cost and is intended for use as is.

This page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service.

If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at all the online services unless otherwise defined in this Privacy Policy.

For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information. The information that we request will be retained by us and used as described in this privacy policy.

The app does use third party services that may collect information used to identify you.

Link to privacy policy of third party service providers used by the app Google Play Services

We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory.

This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

We may employ third-party companies and individuals due to the following reasons:

• To facilitate our Service;
• To provide the Service on our behalf;
• To perform Service-related services; or
• To assist us in analyzing how our Service is used.

We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.

Declaration By Participant

I/We hereby agree that the Takaful contribution which I/We undertake to pay to Amana Takaful (Maldives) Plc (The Company) as tabarru (donation) be credited into the Participants Takaful Fund (PTF) for the Company to manage the various schemes of Takaful under the General Takaful business and pay Takaful benefits to the participants as expressed in the Terms and Conditions of this Takaful certificate in accordance with the Waqf rules governing the PTF. I/We agree that the Company take a non-refundable up to 40% of the Takaful Contribution as their fees for managing the above Takaful Operations. I/We also agree that the Company invest the said fund in a manner deemed fit by the Company and the profit from investment if any be shared in proportion of 50% to the PTF and 50% to the Company on the basis of Al-Mudharaba. Losses if any will be borne solely by the PTF.

If there is a surplus from the fund after payment of benefits to any participant who shall be entitled to such benefits under the said Takaful certificate and deducting the costs related to the fund, the same shall be distributed on pro rata among the participants, provided always that they have not incurred any claim and/or received any benefits under the said Takaful certificate whilst the same is in force.

Legal Disclaimer

The website is maintained by Amana Takaful (Maldvides) PLC and your use of any part of the website is subject to the Terms and Conditions available herein and all applicable Republic of Maldives laws

The materials and content available on the website are provided without warranties of any kind, either express or implied, and Amana Takaful (Maldvides) PLC specifically disclaims all warranties, including implied warranties of merchantability or fitness for any purpose. Amana Takaful (Maldvides) PLC does not make any representation or warranty regarding the use, or the results of the use, of the materials and content available on the web site in terms of accuracy, reliability or otherwise. The product information, including the scopes of cover, terms, conditions, exclusions and limitations, available on the website is not intended to be exhaustive and is indicative in nature.

The website may contain links to other websites, webpages and services also operated by Amana Takaful (Maldvides) PLC and your use of each AMANA TAKAFUL MALDIVES Site is also subject to the Terms and Conditions and other terms and guidelines, if any, contained within each AMANA TAKAFUL MALDIVES Site. Amana Takaful (Maldvides) PLC disclaims all liability for the content and/or materials available on such other sites.

Amana Takaful (Maldvides) PLC website provides link to many websites created and maintained by other organizations. Amana Takaful (Maldvides) PLC provides these links as a service to the users and solely for our user's information and convenience. When users link to an outside website, they are leaving the Amana Takaful (Maldvides) PLC site and are subject to the privacy and security policies of the owners/sponsors of the outside website(s).

Amana Takaful (Maldvides) PLC does not control or guarantee the accuracy, relevance, timeliness or completeness of information contained on a linked website. Amana Takaful (Maldvides) PLC does not endorse the organizations sponsoring linked websites and we do not endorse the views they express or the products/services they offer. Amana Takaful (Maldvides) PLC does not and cannot authorise the use of copyrighted materials contained in linked websites. Users must request such authorisation from the sponsor of the linked website. Amana Takaful (Maldvides) PLC is not responsible for transmissions users receive from linked websites.

You should assume that everything you see or read on the website (including but not limited to directories, guides, news articles, opinions, reviews, text, photographs, images, illustrations, profiles, audio clips, video clips, trademarks, service marks and the like) is copyrighted/ protected by intellectual property laws unless otherwise noted and may not be used except as provided in these Terms and Conditions, or in the text on the website, without the prior written permission of Amana Takaful (Maldvides) PLC. Amana Takaful (Maldvides) PLC neither warrants nor represents that your use of materials displayed on the website will not infringe patent, copyright or any intellectual property rights or any other rights of third parties not owned by or affiliated with Amana Takaful (Maldvides) PLC.

Since Maldives has no anti-spamming law; according to the US directive in Bill.1618 Title III by the 105th Congress, the email cannot be considered spam if it contains the contact information of the sender, and an unsubscribe mechanism. Your privacy is very important to us.

Terms of Use

Please read these terms and conditions (the "Terms of Use") carefully as they apply to your access and/or use of any information, materials or features/functions included on this website and any subpages thereof ("takaful.mv"). By accessing takaful.mv, you acknowledge your agreement with and your understanding of these Terms of Use. If you do not agree to these Terms of Use, please do not access or use takaful.mv.

takaful.mv is owned and operated by Amana Takaful ( Maldives ) PLC, an entity incorporated in the Republic of Maldives ("Amana Takaful Maldives " or “we”).

takaful.mv is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence, citizenship or otherwise) the publication or availability of takaful.mv and its content is contradictory to local laws or regulations. Persons with respect of whom such restrictions or prohibitions apply must not access or use takaful.mv. You are accessing or using takaful.mv on your own initiative and you are solely responsible for compliance with the applicable local laws and regulations that apply to you.

THE MATERIAL AND INFORMATION ON TAKAFUL.MV ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ARE DISCLAIMED. NO REPRESENTATION OR WARRANTY IS MADE REGARDING CONTENT, FUNCTIONALITY, LINKS, OR COMMUNICATIONS AND NO REPRESENTATION OR WARRANTY AS TO DEFECTS OR ERRORS OR CORRECTION OF THE SAME, COMMUNICATION INTERRUPTIONS OR INTERCEPTIONS OR LOSS OF DATA, OR THE ABSENCE OF VIRUSES OR OTHER HARMFUL COMPONENTS ARE MADE.

In no event shall Amana Takaful Maldives, nor any of its subsidiaries or affiliates, be liable to any party for any cost or damages, including any direct, indirect, special, incidental, or consequential damages, arising out of or in connection with the access or use of, or the inability to access or use takaful.mv or any of its functions or features, including in connection with any browsing or downloading of any information, data, text, images, or other material accessible through takaful.mv or any website linked to or linking into takaful.mv.

It is the responsibility of the user of takaful.mv to evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided. All information provided on takaful.mv is under the condition and understanding of it not being interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters.

The information and features/functions contained on takaful.mv are provided for your informational and educational convenience only. Nothing on takaful.mv should be relied on in making any specific investment, financial planning or other decision. Users should always consider their overall personal circumstances, investment horizon and personal risk preferences. Accordingly, no liability whatsoever is assumed for any use or misuse of such information. Users of takaful.mv should consult their professional advisors with respect to their personal circumstances. Please also check any disclaimers on or in respect of specific documents on takaful.mv.

Nothing on takaful.mv should be construed as a solicitation, offer, advice, recommendation, or any other service to acquire or dispose of any investment or to engage in any other investment or transaction. For information about any specific products and/or country please visit the respective website. Nothing on takaful.mv constitutes a promise or offer of employment.

takaful.mv may contain forward-looking statements. Forward-looking statements provide current expectations of future events based on certain assumptions and include any statement that does not directly relate to a historical or present fact. While such statements may represent Amana Takaful Maldives's judgment and expectations as of publication, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from Amana Takaful Maldives's expectations. Therefore, you must not place any reliance on forward-looking statements on takaful.mv. Amana Takaful Maldives is under no obligation to update or alter forward-looking statements on takaful.mv whether as a result of new information, future events, or otherwise.

"Amana Takaful Maldives" and its logos are registered trademarks of Amana Takaful Maldives. Except as indicated otherwise, all intellectual property, especially copyright and trademark rights, and similar rights in the information, text, graphic images, logos, features or functions, and layout (including the " look and feel") contained on takaful.mv are the exclusive property of Amana Takaful Maldives, and may not be copied, reproduced, posted, transmitted or distributed, in whole or in part, in any form (electronic or written) without first having obtained Amana Takaful Maldives's express written consent (except for the below).

Nothing on takaful.mv should be construed as granting a license or any other right to use any copyrights, trademarks or logos. Moreover, the downloading or printing of any materials on takaful.mv will not result in the transfer, explicit or implied, of any rights. You may, however, download or print any pages from takaful.mv for personal, non-commercial use only, provided you do not remove any copyright or other proprietary right notice.

The copyright in some documents and other material available on takaful.mv may belong to third parties and such documents and other material have been produced on takaful.mv with the permission of the third party copyright owners. You must check copyright notices on or in respect of such documents or material.

Amana Takaful Maldives uses takaful.mv to provide investors with data relating to Amana Takaful Maldives Insurance Group Ltd shares and possibly other Amana Takaful Maldives Insurance Group instruments listed on the Stock Exchange ("Market Data"). Amana Takaful Maldives obtains such Market Data mainly through third party providers ("Market Data Provider"). Amana Takaful Maldives can stop providing you with Market Data at any time without prior notice and at its sole discretion. The liability of both Amana Takaful Maldives and the Market Data Provider for the accuracy or completeness of Market Data, for any delay or interruption of the supply of Market Data or for losses or damages that are incurred in any way in connection with the Market Data, including, but not limited to, any indirect or consequential loss or damage and lost profit, is excluded to the extent permitted by applicable law. All rights to the intellectual property of or in respect of Market Data shall be retained by Amana Takaful Maldives or the relevant Market Data Provider, as the case may be. You have to strictly observe forwarding restrictions or any other restrictions applicable to the use of Market Data, if any, as indicated in such Market Data.

The links from takaful.mv to other websites are provided for your information and convenience only.

Amana Takaful Maldives does not assume any responsibility or liability with respect to any website linked from takaful.mv (or any website linking into takaful.mv), including its content and operation. Amana Takaful Maldives does not review or monitor such links. Some websites may be outside your country and subject to different regulators and rules.

A link from takaful.mv to another website (or a link from another website to takaful.mv) does not constitute a referral, endorsement, approval, advertising, offer or solicitation with respect to such website, its contents, or any products or services advertised or distributed through that website. Amana Takaful Maldives believes that the links provided to other publicly accessible websites, webpages, newsgroups, and other sources is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Some of the content on takaful.mv may originate from third parties, not from Amana Takaful Maldives. Such content is generally labelled as third party content. Amana Takaful Maldives does not verify third party content and neither endorses nor rejects the same. Amana Takaful Maldives does not and cannot guarantee the accuracy of any third party content and assumes no liability in connection thereto.

Please refer to the separate statements/polices on Privacy and Cookies, which are incorporated into these Terms of Use by reference.

Except as provided by law and subject to our privacy and data protection policy (see section above), all submissions or transmissions made to or through takaful.mv shall become the property of Amana Takaful Maldives. Amana Takaful Maldives reserves the right to use any material (e.g., any comment, idea, concept, technique or know-how) submitted for any purpose, including but not limited to reproduction, distribution, publication and posting.

Amana Takaful Maldives is not obligated to monitor any submissions or transmissions to or through takaful.mv or any website to which takaful.mv links or that links into takaful.mv. Amana Takaful Maldives, however, reserves the right to monitor the same, including any chat rooms or similar website features. You acknowledge that no obligation of any kind shall be attached to such information and that by submitting or transmitting such information, no confidential, contractually implied or other relationship is created between you and Amana Takaful Maldives.

When accessing or making use of any part of takaful.mv, you may not:

• Post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any national or international law;
• Post or transmit any information or software which contains a virus, worm, trojan horse or other harmful component;
• Interfere with the functioning of takaful.mv or restrict or inhibit any other user from using takaful.mv;
• Post, publish, transmit, reproduce, distribute or exploit any information, software or other material obtained through takaful.mv for commercial purposes without the prior written consent of Amana Takaful Maldives;
• Post or upload content on takaful.mv, in which you don't own the respective rights.

You will indemnify Amana Takaful Maldives for any costs or damages that Amana Takaful Maldives incurs as the result of any such inappropriate content per the above being uploaded by you. ANY ATTEMPT BY ANY PERSON TO DAMAGE THIS SITE OR UNDERMINE ITS OPERATION MAY BE A VIOLATION OF CRIMINAL OR CIVIL LAWS. AMANA TAKAFUL MALDIVES RESERVES THE RIGHT TO TAKE LEGAL ACTION AGAINST ANY SUCH PERSON.

takaful.mv and any controversy or claim in connection with it is governed by the substantive laws of Republic of Maldives, without reference to its principles of conflicts of laws. The exclusive place of jurisdiction is Amana Takaful Maldives, Republic of Maldives.

These Terms of Use are subject to amendments and changes at any time at Amana Takaful Maldives's sole discretion. Accordingly, we suggest that you check these Terms of Use periodically for updates.