1. Acceptance of these Terms
By accessing or using the App, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the App.

2. Definitions
“Aldamin”, “we”, “us” — the company identified in Section 3, operating as a Third-Party Administrator.
“Insurer” — the insurance company that underwrites your health-insurance coverage.
“Policyholder” — the party (e.g., your employer or group sponsor) that holds the insurance policy under which you are covered.
“Member”, “you” — an insured person, or an authorized dependent, using the App.
“Claim” — a request for coverage or reimbursement of medical expenses submitted through the App.
3. Who provides the App
The App is provided by Aldamin Administrative & Insurance Services Management Company Ltd., registered in Iraq under commercial registration number 32828, with its registered office at Abu Nuwas St., Area 102, District 15, Building 21, Baghdad 10001, Iraq. Aldamin is a Third-Party Administrator and is not the insurer of your coverage.

4. Eligibility
To use the App you must be at least 18 years old and an enrolled member (or an authorized representative of one) under a health-insurance policy administered by Aldamin. Dependents covered by your policy may be managed through your account; by adding them, you confirm you are authorized to do so and to provide their information.

5. Your account & security
You must provide accurate registration information and keep it up to date.
You are responsible for keeping your login credentials confidential and for all activity under your account.
Notify us promptly at info@aldamin.iq if you suspect unauthorized access.
You may request account deletion as described in our Privacy Policy.
6. What the App does
The App is an administrative tool that lets you, depending on your policy:

View your membership, policy details, coverage period, and status
View your benefits and entitlements
Submit, track, and view the status of medical claims
Upload supporting documents
Find in-network service providers
Manage your account settings and contact support
The App provides information for convenience only. It does not itself grant coverage, guarantee payment, or replace your insurance contract.

7. Relationship to your insurer
Your coverage is governed by the insurance policy between you (or your policyholder) and your Insurer. Aldamin administers that coverage on behalf of the Insurer and/or Policyholder. If anything shown in the App conflicts with your insurance policy or applicable law, the insurance policy and the law prevail. Benefit details, eligibility, and final claim decisions are subject to the terms of your policy and to the Insurer’s determination.

8. Claims
Submitting a claim through the App does not guarantee approval or payment.
Claims are assessed according to your policy terms, network rules, and applicable law.
You must submit truthful, complete, and genuine information and documents.
Submitting false, misleading, or fraudulent information may result in claim denial, account suspension, loss of coverage, and may be reported to the Insurer and relevant authorities.
9. Accuracy of information
We work to keep information in the App accurate, but benefit data, provider listings, and claim statuses may change or contain errors or delays. You should confirm important details with us or your Insurer before relying on them.

10. Acceptable use
You agree not to:

Use the App for any unlawful, fraudulent, or unauthorized purpose
Access another person’s account or data without authorization
Upload malware or attempt to disrupt, damage, or gain unauthorized access to the App or its systems
Reverse engineer, copy, or create derivative works of the App except as permitted by law
Use automated means to scrape or extract data from the App
Interfere with other users’ use of the App
11. Intellectual property
The App and its content, software, design, trademarks, and logos are owned by Aldamin or its licensors and are protected by law. We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for its intended purpose. You may not use our marks without our written permission.

12. Third-party providers & content
The App may display healthcare providers, links, or content from third parties. Listing a provider is not an endorsement or a guarantee of the quality, availability, or coverage of their services. Your dealings with any provider or third party are between you and them.

13. Privacy
Our collection and use of your information is described in our Privacy Policy, which forms part of these Terms.

14. Disclaimers
The App is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including fitness for a particular purpose, accuracy, and uninterrupted availability, to the fullest extent permitted by law.

The App is an administrative tool. It is not a medical device and does not provide medical advice, diagnosis, or treatment. Always consult a qualified healthcare professional for medical decisions, and call local emergency services in an emergency.
15. Limitation of liability
To the fullest extent permitted by law, Aldamin and its officers, employees, and suppliers will not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of data, profits, or goodwill, arising from your use of or inability to use the App. Nothing in these Terms limits liability that cannot be limited under applicable law. Aldamin’s decisions and obligations as administrator remain subject to your insurance policy and the Insurer’s responsibilities.

16. Indemnification
You agree to indemnify and hold Aldamin harmless from claims, losses, and expenses arising out of your misuse of the App, your violation of these Terms, or your submission of false or fraudulent information.

17. Suspension & termination
We may suspend or terminate your access to the App if you breach these Terms, if your membership ends, or as required by the Insurer, Policyholder, or law. You may stop using the App and request account deletion at any time. Sections that by their nature should survive termination (such as intellectual property, disclaimers, and liability) will continue to apply.

18. Changes to the App & Terms
We may modify, suspend, or discontinue features of the App at any time. We may also update these Terms; when we make material changes, we will update the “Last updated” date and, where appropriate, notify you in the App. Your continued use after changes take effect means you accept the updated Terms.

19. Force majeure
We are not liable for failure or delay caused by events beyond our reasonable control, including network or infrastructure outages, acts of government, or other force-majeure events.

20. Governing law & disputes
These Terms are governed by the laws of the Republic of Iraq. Any dispute arising from these Terms or the App will be subject to the competent courts of Baghdad, Iraq, without prejudice to any mandatory consumer rights you may have.

21. General
Entire agreement: These Terms and the Privacy Policy are the entire agreement between you and Aldamin regarding the App.
Severability: If any provision is found unenforceable, the remaining provisions stay in effect.
No waiver: Our failure to enforce a provision is not a waiver of it.
Assignment: You may not assign these Terms; we may assign them to a successor.
Language: These Terms are made available in Arabic and English. In the event of any conflict or inconsistency between the two versions, the Arabic version prevails.

22. Contact us
Aldamin Administrative & Insurance Services Management Company Ltd.
Member support: info@aldamin.iq
Address: Abu Nuwas St., Area 102, District 15, Building 21, Baghdad 10001, Iraq
Website: aldamin.iq