ABOUT ABRANA
Abrana Commercial Brokers F.Z.E is a Free Zone Establishment with Limited Liability, incorporated under the Ajman Free Zone Authority, United Arab Emirates.
Our company provides specialized brokerage facilitation and consultancy services across multiple sectors. We act as a professional intermediary—connecting clients with licensed service providers and supporting smooth, compliant engagement.
Our core areas of expertise include:
- Commercial Brokerage
- Insurance Services
- Management Consultancy
- Tourism & Leisure Consulting
- E-Commerce Facilitation
- Combined Office Administrative Services
Through a client-centric and compliance-driven model, we support sustainable business growth and operational efficiency.
đź“ś Terms & Conditions
1. General Information
- Abrana Commercial Brokers operates as a licensed insurance brokerage in the UAE.
- All services provided are subject to UAE laws and regulations governing insurance and financial services.
2. Scope of Services
- We act as an intermediary between clients and insurance providers.
- Recommendations are based on available products, client requirements, and risk assessments.
- Final policy terms are determined by the issuing insurance company.
3. Client Responsibilities
- Clients must provide accurate and complete information when applying for insurance.
- Any misrepresentation or omission may affect coverage validity.
- Premiums must be paid on time to maintain active coverage.
4. Broker Responsibilities
- We ensure transparency in presenting insurance options.
- We do not guarantee claim approval; decisions rest with the insurer.
- We maintain confidentiality of client data in line with UAE data protection laws.
5. Limitations of Liability
- Abrana Commercial Brokers is not liable for losses arising from insurer decisions, delays, or policy exclusions.
- Our role is advisory; ultimate responsibility lies with the insurance provider.
6. Policy Renewal & Cancellation
- Clients are responsible for monitoring renewal dates and initiating continuation of coverage.
- Cancellation terms follow the issuing insurer’s policies.
7. Dispute Resolution
- Any disputes will be resolved under UAE law.
- Clients may escalate complaints to the UAE Insurance Authority if unresolved internally.
8. Amendments
- Abrana Commercial Brokers reserves the right to update these Terms & Conditions.
- Clients will be notified of significant changes via official communication channels.
đź“ś REFUND POLICY
1. Policy Cancellations
- Insurance policies arranged through Abrana Commercial Brokers may be cancelled in accordance with the terms set by the issuing insurance company.
- Cancellation requests must be submitted in writing and may require supporting documentation.
2. Refunds
- Refunds of premiums are subject to the insurer’s rules and regulatory guidelines in the UAE.
- Partial refunds may apply if the policy is cancelled before its effective period ends.
- Service fees charged by Abrana Commercial Brokers are non‑refundable.
3. Cooling‑Off Period
- Clients may withdraw from a newly issued policy within the insurer’s defined cooling‑off period (typically 14 days), provided no claims have been made.
4. Non‑Refundable Situations
- No refunds are available once a claim has been filed under the policy.
- Policies cancelled after the cooling‑off period may not qualify for refunds, depending on insurer rules.
5. Process
- Clients must contact Abrana Commercial Brokers directly to initiate cancellation or refund requests.
- Requests will be processed in coordination with the insurer, and timelines may vary.
6. Compliance
- All cancellations and refunds are subject to UAE Insurance Authority regulations.
- Abrana Commercial Brokers reserves the right to update this Return Policy in line with regulatory changes.
