Terms and Conditions

Terms and Conditions

Your use of this site is expressly conditioned on your acceptance of these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use this site. Gan Direct Insurance Ltd reserves the right to modify the Terms of Use at any time. Continued use of this site by you will constitute your acceptance of any revisions to the Terms of Use. Please check this page regularly.

Copyright / Trademark

Except where otherwise indicated, all materials contained in this Web site are the copyrighted property of Gan Direct. All logos and other trademarks and service marks used on this site are owned by Gan Direct.

Permission is hereby granted to use copy and distribute these materials as presented in this Web site and without alteration for non-commercial purposes only, provided that all copyright and other notices appear in all copies in the same manner as the original. All other uses are prohibited.

Except as expressly provided herein, you shall not use any portion of this Web site, or any other intellectual property of Gan Direct, on any other Web site, in the source code of any other Web site, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Web site’s content or frame this Web site within any other Web site without the prior written permission from Gan Direct. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without the prior written permission from Gan Direct, is prohibited. Linking from another Web site to any page in this Web site is strictly prohibited without prior written permission.

Third Party Sites

This site contains links to other Internet Web sites (“Third-party Sites”) that are not maintained by us. These links are provided solely for your convenience. Gan Direct makes no warranties or representations about the content of any products or services offered thereby, or the intellectual property compliance of such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites.


Any personal data saved is held safely on our mainframe computer, with security systems preventing unauthorised access, and we always ensure it is treated confidentially. For further information regarding our security provisions, please refer to our “Further Security” note.

Further Security

We take security very seriously and we use one of the strongest available security systems to protect your communications with us. Whenever you fill in a form, such as requesting for a quote, it is automatically protected using our server.


Dealing with other people

It is our policy to deal with your spouse or partner who calls us on your behalf, provided they are named on the policy. If you would like someone else to deal with your policy on your behalf on a regular basis, please let us know. In some exceptional cases we may also deal with other people who call on your behalf, with your consent. If at any time you would prefer us to deal only with you, please let us know.

Why we need your information

We will use your information to give you quotations, and manage your insurance policy, including underwriting and claims handling. Your information comprises of all the details we hold about you. Your transactions include information we obtain about you from third parties (JCC). We will only collect the information we need so that we can provide you with the service you expect from us. From time to time, we may need to change the way we use your information. Where we believe you may not reasonably expect such a change we will write to you. When we do so, you will have 30 days to object to the change but if we do not hear from you within that time you consent to that change.

Disclaimer of Warranty

The content and materials on this site are provided “as is” and without representations or warranties of any kind, either express or implied. Gan Direct expressly disclaims all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. Gan Direct does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any e-mail sent from Gan Direct are free of viruses or other harmful components. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

Limitation of Liability

Gan Direct shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from the gross negligence or intentional actions of Gan Direct, the unauthorised access to or alteration of your transmissions or data, even if Gan Direct has been advised of the possibility of such damages. Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.

Location services for Mobile Apps

Your current location is only determined if you choose to use a function on our app to determine your current location. If you allow your location to be obtained using the Smart Assist app, we will use this information to return your estimated location. We use this information solely to distinguish your current location and not to identify you. Gan Direct does not automatically track your location when you use our app.

Governing Law

The use of this Website shall be governed by the Law of the Republic of Cyprus.

What you can do to protect yourself

Develop laryngitis when it comes to personal IDs and passwords. 
Don’t give anyone this information. It’s that simple.

Treat passwords like sheets. 
Change them regularly. Keep others guessing if they’re trying to access your information.

Be suspicious. 
If you get e-mails from companies you use, make sure the message is authentic. Only open e-mail attachments if they’re from a trusted source. Don’t update your personal information via an e-mail link unless you verify the actual company is sending it. Usually you’ll need to initiate contact with a company to update your information, not vice versa.

Important information from Gan Direct

Thank you for choosing Gan Direct for your insurance needs. We are committed to protecting your privacy and earning your trust. According to recent media reports, e-mail and scammed attacks are on the increase. Spam is the act of sending an e-mail falsely claiming to be an established business in an attempt to trick the reader into surrendering private information that can be used for identity theft. We want to share what we know and what you should do to protect yourself.

Commonly, the e-mail will say that the company needs to verify information about you to update your account or improve its Web site security. To protect yourself against spams:

  • NEVER give your password to anyone.
  • NEVER provide personal information, such as bank account or Social Security Number, in response to e-mails requesting this information.
  • Avoid clicking through links in e-mails asking for personal information.
  • If you think the e-mail might be genuine, call the company using a telephone number that you know to be genuine, and ask them about it.

When you bought your insurance from Gan Direct, we collected information about you. We verify this information when you call us or go online to help ensure that you are who you say you are.

However, we will not send an unsolicited e-mail to you that requests, or that links to a Web site that requests, sensitive personal information, such as your:

  • Bank account, credit or debit card numbers
  • PINs or security code numbers from the back of a credit card

If you ever receive an e-mail from Gan Direct that you’re unsure about, please forward it to info@gandirect.com We will be able to tell you if it is a legitimate e-mail from Gan Direct.

Avoid Being “spammed”

Here are some tips to help you avoid being spammed:

  1. If you receive an e-mail or pop-up message that asks for personal or financial information, do not reply and don’t click on the link in the message.
  2. Use anti-virus software and a firewall and keep them up to date.
  3. Don’t e-mail personal or financial information; e-mail is not a secure method of transmitting personal information.
  4. Review your credit card and bank account statements as soon as you receive them to check for unauthorised charges.
  5. Be cautious about opening any attachment or downloading any files from e-mails you receive, regardless of who sends them.