Terms of Use
Last updated: 5 June 2026
1. Scope
Placeholder. These Terms of Use govern access to and use of the website insurances-for-pilots.com ("IFP"), operated by TODESIRE Marketing Management FZCO. By using the site you agree to these Terms.
2. About the service
Placeholder. IFP is the official channel through which pilots employed in the Middle East can request information and apply for Loss of Licence and related insurance products underwritten via APPN (Association de Prévoyance du Personnel Navigant). IFP itself is not the insurer. Contracts of insurance are concluded between the member and the relevant underwriter (MACIF, AXA, GENERALI) under APPN's group policies.
3. Information accuracy
Placeholder. Premium ranges, coverage limits, and other product details shown on the site are indicative. The binding terms are those of the underlying insurance contracts and the policy documents you receive on application. We endeavour to keep the site accurate and up to date but make no warranty as to completeness or fitness for any particular purpose.
4. Intellectual property
Placeholder. All trademarks, logos, content and design elements on this site belong to their respective owners and are protected by applicable laws. No part of the site may be reproduced, distributed, or used for commercial purposes without prior written consent.
5. External links
Placeholder. The site contains links to third-party websites (e.g. APPN, underwriters' document portals). We have no control over those sites and accept no responsibility for their content or availability.
6. Liability
Placeholder. To the extent permitted by law, IFP and the site operator disclaim all liability for any direct, indirect or consequential loss arising from the use of, or inability to use, this site.
7. Governing law
Placeholder. These Terms are governed by the laws of the United Arab Emirates. The insurance products themselves are governed by French law via APPN's group contracts.
8. Changes
Placeholder. We may revise these Terms from time to time. The current version always applies to your use of the site.
Contact
TODESIRE MARKETING MANAGEMENT FZCOBuilding A1, Dubai Digital Park
Dubai Silicon Oasis
Dubai, United Arab Emirates
info@insurances-for-pilots.com
Note for the operator: The text on this page is a placeholder structure. Please replace each section with the legal copy reviewed by your counsel before public launch. The headings reflect the typical scope of a Terms of Use document for a regulated insurance broker / intermediary site in the UAE.