Terms of Service

This website is an official website of Delta Insurance. In these Terms of Service, any reference to “We”, “Us”, or “Our” refers to Delta Insurance and any reference to “You”, “Your” or “Customer” refers to you as our customer/ purchaser of the insurance policies.

The following terms carry the following definitions:

Delta Care: Refers to the Delta Insurance dedicated customer login area that allows clients to gain access to their existing business, view their policies and their details, download and view their statement of account, make payments, request changes to existing policies, and  initiate renewal requests.

KYC: Know Your Customer (KYC) is the aspect of due diligence that deals with the identity verification of customers. KYC procedures involves checking personal and business details in order to exclude negative hits such as sanctions lists, watch lists and Politically Exposed Persons (PEP) lists and to identify ownership relationships, involvement in anti-money laundering and links between companies.

Website: Refers to the set of related web pages located under the domain name (delta-ins) and related to the online presence of Delta Insurance.

You should read these Terms of Service (“Terms”) carefully before using this website. Using the website indicates that you accept these terms in full regardless of whether or not you choose to deal with us. If you do not accept these terms, you must leave the Website immediately.

You may access most areas of the Website without registering your details with us. However, You need to register on our Website in order to get access to some of the services and/ or features available on this Website, i.e. the "Delta Care" section. We may revise these Terms at any time and you should periodically check the Website to review the then current Terms of Service because they are binding on you.

The online quotation generator service on our website is designed to provide estimated quotes based on the information provided by you. It is essential that you provide accurate and complete details to receive an accurate quotation. Any discrepancies or errors in the information provided may affect the accuracy of the generated quotation.

The online quotations generated through our service are non-binding and for informational purposes only. They are not considered formal offers or contracts. The actual terms, conditions, coverage, and premium may vary based on additional information, underwriting guidelines, and other factors. Also, all prices quoted by our sales channels may change or be modified by us from time to time.

No information provided by Delta Insurance’s website services should be interpreted as a formal/ official offer or a solicitation for an offer or as advice on investment, legal, tax or other matters. Where such advice is required, a professional should be consulted. You can contact us on +962 6 464 0008, extensions 653, 654, 655.

It is your responsibility to ensure the accuracy and completeness of the information provided in the online application. Any discrepancies or errors may affect the evaluation of your application and the terms offered. The application and the provided information will be used for underwriting purposes, and for determining the final terms and conditions of the policy and will be considered part of the insurance policy.

We reserve the right to verify and validate the information provided in the online application. Additional documentation or proof may be requested to support the application. Failure to provide requested documentation or misleading information may result in the cancellation or modification of the application and quotation.

The acceptance of your application and the issuance of a policy are subject to our review and approval. We reserve the right, at our sole discretion, to accept or decline any application without being liable to you for any compensation or other amounts. The policy terms and conditions, including coverage and premiums, may differ from the initial quotation based on the underwriting evaluation.

All communication regarding the application process, including requests for additional information, policy issuance, and policy documents, will be conducted electronically through the email address or contact details provided in the application. It is your responsibility to ensure the accuracy and accessibility of the provided contact information.

If you wish to modify or cancel your application after submission, you must promptly notify us in writing. We reserve the right to assess any applicable fees or charges for modifications or cancellations.

Where you are invited to register for any part of this Website, each registration is for a single user only. You must not share your user name and password with any other person or with multiple users on a network. You will be liable for the security of any passwords issued to you.

Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to the Website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied in them for any and all commercial or non-commercial purposes.

You must not post or transmit to or from the Website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse the Website (including, without limitation, by hacking).

We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms.

While the Website is normally available 24 hours a day, we shall not be liable if for any reason the Website is unavailable at any time. Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.

You may not always be able to access this Website. We are not responsible for any losses if you cannot do so (for example if you cannot obtain a product at a stated price). We are not responsible if the means of communication you use to access the Website or to send us information about yourself or to receive information from us does not work properly.

We are not liable for losses or costs caused by abnormal and unforeseeable circumstances outside our reasonable control, which would have been unavoidable despite all efforts to the contrary, for example delays or failures caused by industrial action, problems with another system or network, third party viruses or malware, mechanical breakdown or data-processing failures.

Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. So if you choose to send us information by email, it is at your own risk.

For policy cancellation and refunds, please refer to the Policy terms and conditions stipulated in the Insurance Contract.

Refunds are only applicable in case the insurance policy is cancelled, or Your application request is refused. In that case, the refund amount is only eligible to be returned using the same original payment method used upon purchase.

By using the Website and "Delta Care", you agree that we shall have access to all your personal data, including name, email address, phones number, home address, national ID/ residency number, payment information. We hereby confirm that such data will remain confidential and will not be disclosed to any third party unless required by law and/ or after obtaining your prior consent. If you require more information, please refer to our Privacy Policy.

We represent that we have all anti-money laundering procedures in place which comply with the applicable laws in Jordan. We will undertake the necessary legal action, including notifying the relevant authorities of any suspicious activity by the Customer of which we become aware and terminating the contractual relationship with the Customer.

For the purposes of complying with the ‘know-your-customer’ (KYC) rules and regulations, we assume that all personal information provided by you (including ID number, passport number, residency permit number, address, telephone number) is true, accurate, correct and complete.

This Website is here to give you information about our products and services. It is up to you to decide whether they are suitable for you. You may want to get advice about this from an independent financial advisor.

The information on the Website may not tell you all you need to know, and you can ask us or an independent financial advisor for more details.

We try and keep the information up to date. However, there may be a time delay before we can do so. You should not rely solely on the information on this Website and we encourage you to check details that are important to you with us, you can do so by contacting our Client Relations team at +962 6 464 0008, extensions 653, 654, and 655.

 At our sole discretion, we reserve the right to make any changes or modifications to these Terms of Service at any time and for any reason.

These Terms shall be governed by and construed in accordance with the law of the Hashemite Kingdom of Jordan. Disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the Jordanian courts.