Introduction
Welcome to FCIA Brokers Middle East FZE LLC (“FCIA Brokers”, “we”, “our”, or “us”). These Terms & Conditions govern your access to and use of this website and any information, content, or services made available through it.
By accessing or using this website, you acknowledge that you have read, understood, and agreed to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you should discontinue use of this website immediately.
Advisory Services Disclaimer
FCIA Brokers Middle East FZE LLC operates solely as an independent advisory and consulting firm.
FCIA Brokers does not:
Underwrite insurance policies
Issue guarantees, bonds, or financial instruments
Act as a guarantor or insurer
Provide financial commitments
Offer legal, tax, accounting, or investment advice
Accept underwriting or insurance risk
Our role is limited to providing advisory, consultancy, coordination, market engagement, and support services relating to insurance, guarantor solutions, marine risk, credit protection, and associated commercial risk management matters.
Website Information
The information contained on this website is provided for general informational purposes only.
While FCIA Brokers makes reasonable efforts to maintain accurate and up-to-date information, we make no representation or warranty regarding the completeness, accuracy, reliability, suitability, or availability of any information published on this website.
Users should not rely upon website content as professional, legal, financial, tax, insurance, or investment advice.
No Client Relationship
Accessing this website, submitting enquiries, downloading materials, or communicating with FCIA Brokers does not establish a client relationship.
A client relationship will only arise following formal engagement through written agreement or engagement documentation accepted by both parties.
Third-Party Providers
FCIA Brokers may introduce, coordinate, or communicate with insurers, guarantors, financial institutions, clubs, service providers, and other third parties on behalf of clients.
All products, services, approvals, commitments, quotations, coverage decisions, guarantees, and contractual obligations remain the sole responsibility of the respective third-party provider.
FCIA Brokers does not control and shall not be responsible for:
Provider decisions or approvals
Policy terms and conditions
Coverage determinations
Pricing or commercial terms
Provider performance or service delivery
Financial commitments or guarantees
Limitation of Liability
To the fullest extent permitted by applicable law, FCIA Brokers shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or economic loss arising from or related to:
Use of or inability to use this website
Reliance upon website content
Business or commercial decisions made by users
Actions or omissions of third-party providers
Website interruptions, delays, errors, or technical failures
Loss of data, profits, opportunities, or business relationships
Users assume full responsibility for any decisions made based on information obtained through this website.
Intellectual Property Rights
Unless otherwise stated, all website content, including but not limited to:
Text
Graphics
Logos
Images
Icons
Design elements
Layouts
Documents
Branding materials
are the property of FCIA Brokers Middle East FZE LLC and are protected by applicable intellectual property laws.
No content may be copied, reproduced, distributed, published, modified, transmitted, or commercially exploited without prior written consent from FCIA Brokers.
Confidentiality
FCIA Brokers will take reasonable steps to maintain the confidentiality of information submitted through this website.
However, internet communications cannot be guaranteed as completely secure. Users should avoid transmitting highly confidential, sensitive, or proprietary information through unsecured communication channels.
External Links
This website may contain links to third-party websites for convenience and informational purposes.
FCIA Brokers has no control over and accepts no responsibility for:
External website content
Website availability
Security practices
Privacy policies
Third-party products or services
Users access external websites at their own risk.
Acceptable Use
Users agree not to:
Use the website for unlawful purposes
Attempt unauthorised access to systems or networks
Introduce malicious software, viruses, or harmful code
Interfere with website functionality or security
Copy or misuse website content without permission
FCIA Brokers reserves the right to restrict or terminate access where misuse is identified.
Governing Law
These Terms & Conditions shall be governed by and interpreted in accordance with the laws and regulations of the United Arab Emirates.
Any dispute arising from the use of this website shall be subject to the exclusive jurisdiction of the competent courts of the United Arab Emirates.
Amendments
FCIA Brokers Middle East FZE LLC reserves the right to revise, modify, or update these Terms & Conditions at any time without prior notice.
Any changes will become effective immediately upon publication on this website. Continued use of the website following publication of updated terms constitutes acceptance of the revised Terms & Conditions.
Contact Information
FCIA Brokers Middle East FZE LLC
Business Centre, Sharjah Publishing City Free Zone,
Sharjah, United Arab Emirates
Email: info@fciabrokers.ae
Website: https://fciabrokers.ae
Acceptance
By accessing and using this website, you acknowledge that you have read, understood, and agreed to comply with these Terms & Conditions.