1. Introduction

These Terms and Conditions (“Terms”) govern your access to and use of the website and services provided by Baraka Takaful Insurance (“Baraka,” “we,” “us,” or “our”).

By accessing or using our website or services, you agree to be legally bound by these Terms. If you do not agree, you must discontinue use immediately.

2. About Baraka Takaful Insurance

Baraka Takaful Insurance is a Shariah-compliant insurance provider offering ethical, cooperative risk protection solutions based on mutual assistance and shared responsibility.

Our services are structured under Takaful principles, where participants contribute to a shared risk pool to support one another in case of loss.

3. Scope of Services

Baraka provides a wide range of insurance products, including but not limited to:

• Health Insurance (including Kaaliye Care)
• Motor Insurance
• Travel Insurance
• Property & Business Insurance
• Marine & Goods in Transit Insurance
• Livestock Takaful
• Public Liability & Workman Compensation
• Group Personal Accident Coverage

These services are designed to provide reliable protection for individuals, households, and businesses across Somalia and beyond.

4. Eligibility

You confirm that:

• You are at least 18 years old
• You have the legal capacity to enter into contracts
• All information provided is accurate and complete

5. Nature of Takaful (Critical Clause)

Baraka operates under Takaful principles, meaning:

• Contributions are made to a shared risk pool
• Participants mutually support one another
• Baraka acts as an operator managing the fund

This is not conventional insurance, and all operations follow Islamic finance principles.

6. Policy Terms & Coverage

All coverage is subject to:

• Official policy documents
• Defined benefits, limits, and exclusions
• Underwriting decisions

Website content is for informational purposes only and does not constitute a binding insurance contract.

7. Claims & Payouts

• Claims are assessed based on policy terms and verification processes
• Baraka reserves the right to investigate and validate all claims
• Certain products may use objective triggers such as environmental or index-based data

8. Payments & Contributions

• Users must pay contributions (premiums) as agreed
• Failure to pay may result in suspension or cancellation of coverage
• Pricing and contributions may be adjusted with prior notice

9. Digital Services & Platform Use

Baraka Takaful Insurance provides access to digital platforms, including Smart Access, to facilitate service delivery, policy management, claims processing, and customer interaction.

By using Smart Access:

• You are responsible for your account credentials
• You accept responsibility for all account activity
• You must use the platform lawfully
• You must not attempt unauthorized access
• You must not misuse or disrupt the system

Baraka may monitor, suspend, or investigate usage if necessary.
We do not guarantee uninterrupted access.

10. User Obligations

• Provide accurate information
• Avoid fraud or misuse
• Cooperate in claims and underwriting

11. Intellectual Property

All website content is owned by Baraka and protected by applicable laws.

12. Limitation of Liability

Baraka is not liable for indirect damages, or loss of data or profits.
Liability is limited to the amount paid for the service.

13. Disclaimer

Services are provided “as is” and “as available.”

14. Termination

Access may be suspended or terminated if terms are violated or required by law.

15. Governing Law

These Terms are governed by the laws of Somalia.

16. Changes to Terms

We may update these Terms at any time. Continued use means acceptance of the updated Terms.

17. Contact Information

Baraka Takaful Insurance
Email: info@barakatakaful.com
Phone: +252 61 2464864
Location: Giyaajo Business Center, KM4, Mogadishu, Somalia