Terms & Conditions

Please carefully read these terms & conditions before using this website. By using this website or any service on this website, you signify your acceptance of these terms & conditions. The terms & conditions may be modified at any time and your continued use of this website constitutes your acceptance of the modified terms & conditions. If you do not agree with any of the terms & conditions, do not use this website. Any terms or conditions proposed by you that are not expressed in the terms & conditions of this website will be rejected by Joie de Vivre International Brokerage LLC and shall have no effect or binding.

User Consent:

You agree and acknowledge that you have read the Terms of this website and will be bound by it. You further agree (i) to comply with the local laws and regulations regarding the transmission of any data obtained from the website, (ii) not to use the information or service for illegal purposes, and (iii) not to disrupt or interfere networks connected to the website.

Intellectual Property:

This website and, but not limited to, its content is protected by copyrights. The trademarks, trade names, logos, and designs associated with this website are owned by Joie de Vivre International Insurance Brokerage LLC, or third parties who have authorized their use.


All information provided on this website is for the purpose of general information only which we believe to be reliable. It is not intended to be taken as advice with respect to any individual situation and cannot be relied upon as such.

Restrictions on Use:

You may not use this website or the services it provides for any illegal purpose or in any manner inconsistent with these terms & conditions. You agree to use this website and the services it provides for your personal use and benefit or that of your organization. You may not use this website and the services it provides for resale, or use by or for the benefit of, any other person or entity. Further you agree to notify Joie de Vivre in writing upon becoming aware of any unauthorized access or use of the Service by any party or of any claim that the Service infringes upon any copyright, trademark or any other contractual rights.

Rights Reserved:

All present and future rights in and to trade secrets, copyrights, trade names, trademarks, service marks, databases, know-how, and other proprietary rights of any type will be and remain the sole and exclusive property of Joie de Vivre.

Disclaimer and Limitation of Liability:

You agree that your use of the service is at your own risk and acknowledge that the service and anything contained therein are provided ‘as is’ basis and that Joie de Vivre does not give any warranty of any kind, express or implied for a particular purpose or use. Joie de Vivre does not warrant that the service is free of errors or viruses, and is not liable for any damage of any kind whether physical or material you may suffer as a result of such destructive features, whether caused by the negligence of Joie de Vivre, its employees, subcontractors, agents, suppliers or otherwise arising in connection with the service. You understand that Joie de Vivre and/or Third-party contributors to the service may choose at any time to disconnect, inhabit or prohibit their content from being accessed under the terms.

Limitation of Liability:

You agree that under no circumstances, including but not limited to negligence shall Joie de Vivre, its suppliers or its Third-party agents be liable to you or any Third party for Direct, Indirect, Incidental, Consequential, Special, Punitive or Exemplary damages even if an authorized representative of Joie de Vivre has been advised specifically of the possibility of such damages, arising from use of or inability to use the service or any links or items on the service or any provision of the terms, such as, but not limited to, loss of revenue or anticipated profits or lost business. The limitation of liability includes, but is not limited to, the transmission of any viruses which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, unauthorized access, or any force majeure. Joie de Vivre cannot and does not guarantee continuous, uninterrupted or secure access to the website.

Representations and Warranties:

You acknowledge, warrant, and covenant that you; (i) have the power and authority to enter into this agreement; (ii) shall not use any right granted hereunder for any unlawful purpose; and (iii) shall use the website or its service only as set forth in these terms.


You agree, at your own expense, to indemnify, defend and hold harmless Joie de Vivre and its employees, representatives, agents, against any claim, suit, action or other proceeding, to the extent based on or arising in connection with your use of the website and its services, or any links on the website, including, but not limited to: (i) your use or someone using your computer’s use of the website; (ii) a violation of these terms & conditions by you or anyone using your computer; (iii) a claim that any use of the website and its services by you or someone using your computer infringes any copyright, trademark, or other intellectual property right of any third party, or any right of personality or publicity, is libelous or defamatory, or otherwise results in injury or damage to any third party; (iv) any deletions, additions, insertions or alterations to, or any unauthorized use of, the website by you or someone using your computer; or (v) any misrepresentation or breach of representation, warranty or covenant made by you contained herein. You agree to pay any and all costs, damages and expenses (including reasonable court fees) and costs awarded against or incurred by or in connection with or arising from any such claim, suit, action or proceeding.


Either you or Joie de Vivre may terminate this agreement with or without any cause at any time and effective immediately. You may terminate by discontinuing use of the website and its services and destroying all materials obtained from the website and its services. This agreement will terminate immediately without notice from Joie de Vivre if it is determined in its sole discretion that you have failed to comply with any provision of these terms & conditions. Upon termination by you or upon notice of termination by Joie de Vivre, you must promptly destroy all materials obtained from the website and its services and any copies thereof.

Governing Law:

These Terms shall be governed and construed in accordance with the laws of the United Arab Emirates and the Emirate of Dubai, without giving effect to conflicts-of-law principles thereof. You agree to submit to the personal jurisdiction of the Emirate and federal courts located in Dubai with respect to any legal proceedings arising out of this agreement and waive any objection to the propriety or convenience of venue in such courts. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or these terms and conditions must be filed within twelve (12) months after such claim or cause of action arose. If any provision of the Terms is found by a court of competent jurisdiction to be invalid or unenforceable, such provision shall be enforced to the maximum extent permissible and the other provisions of the Terms shall remain in full force and effect.

Access outside the United Arab Emirates:

If you choose to access the website or it’s Service from outside the United Arab Emirates, you are responsible for compliance with foreign and local laws


You acknowledge that Joie de Vivre has the right to change the content or technical specifications of any aspect of the website and its services at any time at its sole discretion. You further accept that such changes may result in your being unable to access the website and its services.