Terms of Use

Last updated: 26 September 2026

1. Acceptance of these terms

This website is operated by Underwriter Services L.L.C-FZ (“Underwriter Services”, “we”, “us” or “our”), Meydan Grandstand, 6th Floor, Meydan Road, Nad Al Sheba, Dubai, United Arab Emirates. By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use the website.

2. Nature of our services

Underwriter Services provides technical underwriting, analytical, risk-management and related support services to professional organisations. We do not act as an insurer, reinsurer or insurance broker, do not assume insurance or reinsurance risk, do not issue insurance or reinsurance contracts, do not collect premiums and do not exercise binding authority. Final underwriting and risk acceptance decisions remain with the relevant licensed insurer or reinsurer.

Any services are provided only under a separate written agreement with the client organisation.

3. Information only

The content of this website is provided for general information about Underwriter Services. Nothing on this website constitutes an offer, solicitation or recommendation to purchase any insurance or reinsurance product, nor professional, legal, financial or underwriting advice on which you should rely without a specific engagement.

4. Professional audience

This website is intended for professional organisations operating in the insurance and reinsurance industry. Underwriter Services does not provide retail insurance products or services to individual consumers.

5. Intellectual property

All content on this website, including text, design, graphics and logos, is owned by or licensed to Underwriter Services. You may view and print pages for your own internal information purposes. Any other reproduction, distribution or modification requires our prior written consent.

6. Acceptable use

You agree not to use this website in any way that is unlawful, that could damage, disable or impair the website, or that interferes with its use by others. In particular, you must not attempt to gain unauthorised access to the website or its systems, introduce malicious code, or use automated means to collect content or send unsolicited communications.

7. Information you submit

Information you submit through this website must be accurate and must not infringe the rights of any third party. Please do not submit confidential policyholder or submission data through the contact form. Unsolicited information does not create a client relationship or confidentiality obligations unless agreed in writing. Personal data is handled in accordance with our Privacy Policy.

8. Accuracy and availability

We aim to keep the information on this website accurate and up to date, but it is provided “as is” without warranties of any kind. We may change, suspend or withdraw the website or any part of it at any time without notice.

9. Limitation of liability

To the maximum extent permitted by law, Underwriter Services shall not be liable for any direct, indirect or consequential loss or damage arising from the use of, or reliance on, this website or its content.

10. Third-party links

Links to third-party websites are provided for convenience only. We have no control over, and accept no responsibility for, the content or availability of those websites.

11. Governing law and jurisdiction

These Terms of Use are governed by the laws of the Emirate of Dubai and the applicable federal laws of the United Arab Emirates. The courts of Dubai shall have exclusive jurisdiction over any dispute arising in connection with this website.

12. Changes to these terms

We may revise these Terms of Use at any time by updating this page. Continued use of the website after changes are published constitutes acceptance of the revised terms.

13. Contact

Questions about these Terms of Use can be sent through our Contact page.