Terms & Conditions
Last Updated: July 23, 2026
1. Acceptance of Terms
By accessing or using the website https://app336.afliweb.com, or by purchasing any insurance product or service offered by Stark Industries (trading as Stark Insurance LTM., brand tagline: "Secure Your Future With Stark Insurance"), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you must not use our services. These terms apply to all users of the website and all policyholders in the United Arab Emirates.
2. Services and Products Offered
Stark Insurance LTM. provides a range of insurance products, including but not limited to life, health, property, and motor insurance. All insurance policies are subject to underwriting approval and the specific terms outlined in each policy document. We reserve the right to modify, suspend, or discontinue any product or service at any time without prior notice, subject to applicable laws in the United Arab Emirates.
3. Payments and Refunds
All premiums must be paid in full at the time of policy purchase unless a payment plan is explicitly agreed upon in writing. Payments are processed through secure third-party gateways. Refunds are governed by the cooling-off period specified in your policy document and applicable UAE insurance regulations. No refunds will be issued after the cooling-off period unless otherwise required by law. Late or missed payments may result in policy cancellation.
4. User Responsibilities
You agree to provide accurate, complete, and truthful information when applying for insurance or using our website. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You must not misuse the website by introducing viruses, hacking, or engaging in any unlawful activity. You must promptly notify us of any changes to your personal details or policy circumstances.
5. Intellectual Property
All content on the website, including text, graphics, logos, images, and software, is the property of Stark Industries or its licensors and is protected by UAE and international intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent. The brand name "Stark Insurance LTM." and tagline "Secure Your Future With Stark Insurance" are trademarks of Stark Industries.
6. Limitation of Liability
To the maximum extent permitted by UAE law, Stark Industries and Stark Insurance LTM. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or website. Our total liability for any claim shall not exceed the premium paid by you for the specific policy giving rise to the claim. We are not responsible for losses caused by events beyond our reasonable control, including natural disasters, government actions, or technical failures.
7. Governing Law
These Terms & Conditions are governed by and construed in accordance with the laws of the United Arab Emirates. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Dubai, United Arab Emirates.
8. Contact Information
If you have any questions, concerns, or requests regarding these Terms & Conditions, please contact us:
Email: hello@insurance.ae
Phone: +9711234567890
Address: Business Bay, Dubai, United Arab Emirates
1. Acceptance of Terms
By accessing or using the website https://app336.afliweb.com, or by purchasing any insurance product or service offered by Stark Industries (trading as Stark Insurance LTM., brand tagline: "Secure Your Future With Stark Insurance"), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you must not use our services. These terms apply to all users of the website and all policyholders in the United Arab Emirates.
2. Services and Products Offered
Stark Insurance LTM. provides a range of insurance products, including but not limited to life, health, property, and motor insurance. All insurance policies are subject to underwriting approval and the specific terms outlined in each policy document. We reserve the right to modify, suspend, or discontinue any product or service at any time without prior notice, subject to applicable laws in the United Arab Emirates.
3. Payments and Refunds
All premiums must be paid in full at the time of policy purchase unless a payment plan is explicitly agreed upon in writing. Payments are processed through secure third-party gateways. Refunds are governed by the cooling-off period specified in your policy document and applicable UAE insurance regulations. No refunds will be issued after the cooling-off period unless otherwise required by law. Late or missed payments may result in policy cancellation.
4. User Responsibilities
You agree to provide accurate, complete, and truthful information when applying for insurance or using our website. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You must not misuse the website by introducing viruses, hacking, or engaging in any unlawful activity. You must promptly notify us of any changes to your personal details or policy circumstances.
5. Intellectual Property
All content on the website, including text, graphics, logos, images, and software, is the property of Stark Industries or its licensors and is protected by UAE and international intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent. The brand name "Stark Insurance LTM." and tagline "Secure Your Future With Stark Insurance" are trademarks of Stark Industries.
6. Limitation of Liability
To the maximum extent permitted by UAE law, Stark Industries and Stark Insurance LTM. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or website. Our total liability for any claim shall not exceed the premium paid by you for the specific policy giving rise to the claim. We are not responsible for losses caused by events beyond our reasonable control, including natural disasters, government actions, or technical failures.
7. Governing Law
These Terms & Conditions are governed by and construed in accordance with the laws of the United Arab Emirates. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Dubai, United Arab Emirates.
8. Contact Information
If you have any questions, concerns, or requests regarding these Terms & Conditions, please contact us:
Email: hello@insurance.ae
Phone: +9711234567890
Address: Business Bay, Dubai, United Arab Emirates