Welcome to the MIG Holding Ltd. website. These Terms and Conditions govern your use of this website and its content. By accessing this website, you agree to these terms. If you do not agree, please discontinue using the website.
These Website Terms & Conditions of Use ("Terms") govern access to and use of the website located at [www.migholding.com] (the "Website"), owned and operated by MIG Holding ("MIG Holding," "the Group," "we," "us," or "our"), including its subsidiaries and affiliated entities operating across the Group's markets in the Gulf Cooperation Council (GCC) region.
By accessing, browsing, or otherwise using the Website, you ("User," "you," or "your") confirm that you have read, understood, and agree to be bound by these Terms. These Terms should be read together with our Privacy Notice and our Cookie Policy, both of which apply to your use of the Website and are incorporated into these Terms by reference. If you do not agree to these Terms, you must discontinue use of the Website immediately.
These Terms apply to all visitors, users, and others who access the Website, regardless of the device or platform used.
MIG Holding is regarded as a leading private investor in insurance, reinsurance, and related services within the Middle East, operating through a portfolio of subsidiaries and affiliated companies across healthcare, insurance, financial advisory, and related services (each a "Group Company"). Content on the Website may relate to MIG Holding at the group level or to one or more Group Companies.
Reference to products, services, licenses, or regulatory approvals on the Website pertains to the specific Group Company that provides them, and not to MIG Holding as a holding entity, unless expressly stated. Each Group Company operates under its own applicable licenses and regulatory framework in its respective jurisdiction, and may publish its own supplementary terms, disclaimers, or policies specific to its products and services.
The Website is intended for general corporate, informational, and promotional purposes. You may use the Website only for lawful purposes and in accordance with these Terms. By using the Website, you represent that you have the legal capacity to enter into a binding agreement in your jurisdiction of residence.
You agree not to:
Use the Website in any way that violates applicable local, national, or international law or regulation;
Attempt to gain unauthorized access to the Website, its servers, or any connected network or system;
Introduce viruses, malware, or other harmful or disruptive code, or otherwise interfere with the proper functioning of the Website;
Scrape, harvest, or otherwise systematically extract data or content from the Website without prior written consent;
Reproduce, duplicate, copy, sell, resell, or exploit any part of the Website for commercial purposes without authorisation;
Impersonate any person or entity, or misrepresent your affiliation with any person or entity;
Upload or transmit unlawful, defamatory, offensive, or infringing content through any interactive feature of the Website.
We reserve the right to restrict, suspend, or terminate access to the Website, without notice, for any User who breaches these Terms.
Unless otherwise indicated, all content on the Website, including text, graphics, logos, icons, images, audio, video, data compilations, software, and the overall design and "look and feel" of the Website, is the property of MIG Holding, its Group Companies, or its licensors, and is protected by applicable intellectual property and copyright laws.
No right, title, or interest in or to the Website or its content is transferred to you as a result of your use of the Website. You may view, download, and print content from the Website solely for personal, non-commercial reference, provided that no copyright, trademark, or other proprietary notices are removed or altered. Any other use, including reproduction, modification, distribution, republication, or creation of derivative works, requires prior written consent from MIG Holding.
All trademarks, service marks, and trade names displayed on the Website are the property of their respective owners, and nothing on the Website should be construed as granting any license or right to use them.
Content published on the Website, including descriptions of insurance, healthcare, financial, or advisory products and services, is provided for general informational purposes only. It does not constitute, and should not be relied upon as, an offer, invitation, solicitation, financial advice, medical advice, legal advice, or a recommendation to purchase any product or service.
Any purchase, application, or enrolment in a product or service offered by a Group Company is subject to that Group Company's own terms and conditions, policy wording, eligibility criteria, and applicable regulatory disclosures, which will prevail over any general description provided on the Website. You should seek independent professional advice before making any financial, insurance, or healthcare-related decision.
The Website may contain links to third-party websites, applications, or resources that are not owned or controlled by MIG Holding. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or terms of any third-party site, and access to any such site is at your own risk.
Any personal data collected through the Website (for example, via contact forms, and/or careers pages) is collected and processed by MIG Holding acting as data controller, in accordance with our Privacy Notice, which forms part of these Terms by reference and sets out in full: what personal data we collect and how; the purposes and legal bases for processing; how personal data may be shared with Group Companies and third parties, including overseas; retention periods; the security measures we apply; and your personal data rights.
MIG Holding has appointed a Data Protection Officer / Privacy Officer to assist with questions, requests, and complaints relating to the Privacy Notice and the processing of your personal data. Requests to exercise your data protection rights, or any privacy-related queries, should be directed to the Data Protection Officer using the contact details in the Privacy Notice and in Section 16 of these Terms, rather than through general website enquiries.
If you provide us with personal data about another individual (for example, a colleague or a beneficiary under a policy), you are responsible for providing them with a copy of the Privacy Notice and obtaining any consents required under applicable law before doing so.
By submitting personal data through the Website, you acknowledge that it will be collected, used, and processed as described in the Privacy Notice, and in accordance with applicable data protection laws in the relevant jurisdiction(s) in which the Group operates.
The Website uses first-party and third-party cookies to operate correctly, remember your preferences, and help us understand how the Website is used. Cookies fall broadly into two categories: functionality cookies, which tailor the Website to your preferences (such as language and geolocation); and targeting and advertising cookies, which help us and third parties measure and deliver relevant advertising. Some cookies are session-based and expire when you close your browser; others are persistent and remain on your device until they expire or are deleted.
Full details of the cookies we use, their purposes, and how you can manage them are set out in our Cookie Policy, which should be read alongside this section and the Privacy Notice. By using the Website with your browser configured to accept cookies, you agree to our use of cookies as described in the Cookie Policy. You can accept or reject cookies at any time by adjusting your browser settings; however, disabling or limiting cookies may affect the Website's functionality.
Where a cookie collects personal data, that data is collected and processed in accordance with our Privacy Notice.
The Website and its content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including, to the fullest extent permitted by applicable law, implied warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, or uninterrupted and error-free operation.
While we take reasonable care to keep information on the Website accurate and up to date, we do not warrant or represent that content is complete, current, or free of errors, and we reserve the right to correct, update, or remove content at any time without notice.
To the fullest extent permitted by applicable law, MIG Holding, its Group Companies, and their respective directors, officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising out of or in connection with your access to, use of, or inability to use the Website, even where advised of the possibility of such damages.
Nothing in these Terms shall be construed to exclude or limit liability where such exclusion or limitation is not permitted under applicable mandatory law, including in relation to fraud or willful misconduct.
You agree to indemnify and hold harmless MIG Holding, its Group Companies, and their respective directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your breach of these Terms or your misuse of the Website.
We may revise these Terms from time to time to reflect changes in our services, regulatory requirements, or operating practices. The updated version will be posted on this page with a revised "Last Updated" date. Continued use of the Website following any such change constitutes your acceptance of the revised Terms. We encourage Users to review this page periodically.
If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or authority of competent jurisdiction, that provision shall be deemed severed, and the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Notice, our Cookie Policy, and any other legal notices published on the Website, constitute the entire agreement between you and MIG Holding regarding your use of the Website, and supersede any prior agreements or understandings, whether written or oral, relating to the same subject matter.
For questions, concerns, or requests relating to the processing of your personal data or your data protection rights, please contact our Data Protection Officer, consistent with the Privacy Notice:
Email: dpo@migholding.com
Telephone: +973 1756 2551