Terms & Conditions

Last updated: September 2026

These Terms & Conditions (“Terms”) govern your access to and use of the & Conditions website and related online materials.

1. About the Site

The site provides general information and, where applicable, may help you request information or a connection to a third party. Unless expressly stated, we are not a law firm, medical provider, insurer, lender, or government agency, and nothing on the site is professional advice.

2. Eligibility

You must be able to form a binding contract under applicable law to use this site. You agree to provide accurate information when submitting forms.

3. Informational Purpose Only

Content is for general informational purposes only and does not create a professional–client relationship. Always consult a qualified professional for advice specific to your situation.

4. User Conduct

You agree not to misuse the site, attempt unauthorized access, interfere with security or performance, submit unlawful or harmful content, or use the site to spam or scrape data in an abusive manner.

5. Intellectual Property

Site content, branding, and materials are owned by us or our licensors and are protected by intellectual property laws. You may not copy, modify, or distribute materials except as allowed by these Terms or with prior written permission.

6. Third-Party Services

The site may reference or link to third parties. We do not control and are not responsible for third-party sites, products, or services. Any relationship you form with a third party is solely between you and that party.

7. Disclaimers

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, ARISING FROM YOUR USE OF THE SITE.

9. Indemnity

You agree to indemnify and hold harmless & Conditions and its operators from claims arising out of your misuse of the site or violation of these Terms.

10. Privacy

Our handling of personal information is described in our Privacy Policy on this website.

11. Changes

We may update these Terms at any time by posting a revised version on this page. Continued use after changes constitutes acceptance.

12. Governing Law

These Terms are governed by applicable law of the jurisdiction in which the issuing company maintains its principal place of administration for these Terms, without regard to conflict-of-law rules. Courts in that jurisdiction may have exclusive venue, except where prohibited by law.

Issuer of These Terms

Auto Coverage Desk is covered by these Terms as published by PFS Marketing, Sheikh Rashid Tower DWTC Dubai 0000 UAE.