Terms of Use

Last updated: 21 August 2026

These terms apply to your use of insurewithshamna.com, the portfolio site of Shamna Ponnath Valappil, Senior Insurance Officer at Gargash Insurance Services LLC. By using this site, you agree to the terms below.

1. About this site

This website is a personal portfolio and enquiry channel for Shamna Ponnath Valappil in her role at Gargash Insurance Services LLC, a UAE-licensed insurance broker regulated by the Central Bank of the UAE. This site is not itself a licensed insurance broker or agent — insurance business conducted as a result of enquiries made here is carried out by Gargash Insurance Services LLC.

2. No advice or offer

Content on this site is general information only and does not constitute insurance, financial, or legal advice, nor an offer or guarantee of cover. Any quote is indicative and subject to underwriting approval by the relevant insurer(s). Final terms, premiums, and coverage are confirmed only at the point a policy is issued.

3. Accuracy of information you provide

When requesting a quote or arranging cover, you're responsible for providing accurate and complete information. Inaccurate information may affect your cover or a claim.

4. Third-party links and tools

This site may link to third-party platforms (such as WhatsApp, Facebook, LinkedIn, or X) or use third-party tools (such as an AI chat assistant) to help answer questions. We aren't responsible for the content or privacy practices of external sites you're directed to.

5. Intellectual property

The design, text, and images on this site belong to Shamna Ponnath Valappil unless otherwise noted, and may not be copied or reused without permission.

6. Limitation of liability

While we aim to keep this site accurate and up to date, we don't guarantee that all information is error-free or current at all times. To the extent permitted by law, we aren't liable for losses arising from reliance on general content on this site — always confirm specific policy details directly with us before making decisions.

7. Governing law

These terms are governed by the laws of the United Arab Emirates.

8. Contact

Questions about these terms can be sent to Sales@insurewithshamna.com or shamna.v@gargashinsurance.com.