Etiqa takaful

Protect your home with one plan. Fire, lightning, and explosion caused by gas used for domestic purposes. Bursting or overflowing of domestic water tanks, apparatus or pipes. Loss of rent - Limit 10% of total sum covered. Theft by actual forcible and violent breaking into or out of the house.

Etiqa takaful. Have you ever had an application, renewal or reinstatement of a Life Policy, General Insurance, Family Takaful or General Takaful contract declined, postponed, rated or subjected to special terms? OCCUPATION DECLARATION; ... If you would like to know the reason for this or about any other Etiqa products, ...

Download Documents. Please refer to the Product Disclosure Sheet and Policy Wordings for further details of the benefits. Underwritten by Etiqa General Takaful Berhad (201701025031) Fast and Easy online motorcycle takaful renewal with 10% rebate on top of your NCD.

Etiqa Customer Satisfaction Survey 2023. Etiqa Insurance is committed to providing you with the best insurance experience, and your feedback is invaluable in helping us achieve that goal. We are pleased to inform you that we have partnered with Kantar, a reputable marketing research firm, to conduct a customer feedback survey. 21st Century Fox chairman Rupert Murdoch made $581 million Thursday, according to Bloomberg's Billionaire's Index. By clicking "TRY IT", I agree to receive newsletters and promotio...Click to viewIf all the methodology of the best GTD applications loses you in the productivity shuffle, there's nothing like a classic, simple to-do list to keep you on track. You'...named herein shall discharge Etiqa General Takaful Berhad from all obligations and liabilities under the Certificate. Sila tanda ☑ pada salah satu Jenis Penamaan yang berkenaan. Jenis Penamaan yang dipilih akan digunapakai kepada semua penama-penama yang dilantik. Jika Penyerahan Hak Mutlak dipilih sila isi borang C /Etiqa Insurance Appointment. Let's make an appointment. Fill in the details below to schedule one. You can purchase your vehicle, home, and travel insurance and takaful instantly at www.etiqa.com.my or by chatting with us at eti.qa/livechat. For group insurance policy/ takaful certification matters, please email directly to eb_helpdesk@etiqa ...Your computer is probably one of the most important tools you use. If you’re not sure how to clean your computer or why it’s so important, here’s a guide. Your computer is probably...TRIPCARE 360 TAKAFUL Travel is coming home with memories, not worries. 24-hour Travel and Medical Assistance. Family Coverage. Medical Coverage. Travel Inconveniences. Takaful Coverage. I have purchased this product before Insert NRIC or ID number for smoother transaction. Submit. This is my first time here ...

The odds of the U.S. government missing its debt ceiling deadline have reached about 25%, according to a new estimate by JPMorgan Chase. By clicking "TRY IT", I agree to receive ne... i-Travel Ezy Takaful. Get compensated (with Shariah-compliant plan) for domestic flight delays. Get paid RM60 when your flight is delayed by 30 minutes or more. Learn More Apply Online & Save 25%. The only people whose opinions we value and learn from are our customers. One of the best travel insurance and takaful in Malaysia. Muat Turun Dokumen. Diunderait oleh: Etiqa Life Insurance Berhad (201701025113) (Dilesenkan di bawah Akta Perkhidmatan Kewangan 2013 dan dikawalselia oleh Bank Negara Malaysia) Pelan ini adalah pelan perlindungan tulen dimana tujuan utamanya adalah untuk menyediakan perlindungan sekiranya berlaku kejadian tertentu. TRIPCARE 360 TAKAFUL Travel is coming home with memories, not worries. 24-hour Travel and Medical Assistance. Family Coverage. Medical Coverage. Travel Inconveniences. An upgrade from the previous Etiqa Smile app, Etiqa+ offers added features that simplify the management of your insurance or takaful needs. Etiqa+ App: Your One-Stop Insurance and Takaful Solution. Let’s take a look at how the Etiqa+ app makes managing your insurance or takaful a breeze. Access Selected Services Without …

Muat Turun Dokumen. Diunderait oleh Etiqa Family Takaful Berhad (199301011506) (Dilesenkan di bawah Akta Perkhidmatan Kewangan Islam 2013 dan dikawal selia oleh Bank Negara Malaysia). Perlindungan dan pelan simpanan patuh Syariah dengan perlindungan fleksibel dan pembayaran tunai setiap 2 tahun. The "5th best place to live in the country" might surprise you. In fact, you might not have heard of Fayetteville, AR, but you’ll be glad you have now. Despite being the 3rd larges...Onto has raised $175 million in a combined equity and debt Series B round, capital the U.K.-based electric vehicle subscription startup plans to use to expand within the country as...Underwritten by Etiqa Family Takaful Berhad (Co. Reg. No. : 199301011506) (Licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia). This is a pure protection product whereby the sole purpose of the product is to provide you with coverage for specific covered events. This product …

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A basic motor insurance or takaful plan would not offer you reimbursements due to flood damage. You would need to add-on the benefit to ensure you’re protected throughout the year. At Etiqa, you get to choose between the ‘Basic’ and ‘Extended’ plan, differing by coverage inclusions and fees as shown below.Dapatkan diskaun 10% untuk Insurans/Takaful Tesla Ensure bagi kereta Tesla baru yang berdaftar sebelum 30 Jun 2024. Dapatkan Sebut Harga Untuk mendapatkan sebut harga atau sekiranya anda memerlukan maklumat lanjut, sila kunjungi mana-mana cawangan Maybank Auto Finance Centre atau hubungi Maybank Group Customer Care di talian …Etiqa has boldly stated its commitment to sustainability by being the first insurance and takaful company in Malaysia to become a signatory of the United Nations’ … i-Travel Ezy Takaful. Get compensated (with Shariah-compliant plan) for domestic flight delays. Get paid RM60 when your flight is delayed by 30 minutes or more. Learn More Apply Online & Save 25%. The only people whose opinions we value and learn from are our customers. One of the best travel insurance and takaful in Malaysia. We offer a wide range of motor, travel, home, personal accident, medical, savings, and investment insurance and takaful plans suited for individuals from all walks of …

This product is marketed in the form of units. For the EPF Member/Spouse, the minimum sum covered is RM10,000 and may be increased at RM5,000 per unit increments up to a maximum of RM200,000. For children, the minimum sum covered is RM2,000 and may be increased at RM1,000 per unit increments up to a …Etiqa adalah pemain Utama Insurans dan Takaful ASEAN di bawah Kumpulan Maybank, sebuah konglomerat perbankan terkemuka di ASEAN. Kami menawarkan pelbagai produk insurans konvensional Hayat dan Am serta pelan Takaful Keluarga dan Am di pelbagai saluran pengedaran lebih daripada 10,000 ejen, 46 cawangan …Here are more reasons to choose Etiqa Elite Takaful Medical Plus. High Coverage Limit - the Etiqa Takaful medical card provides unlimited lifetime cover and high annual limit up to RM1.5 million. Deductible Cover Option - part of the bill that you pay now will be your medical saving when you retired. Etiqa Healthcare App - find the nearest ...Helaian Pendedahan Produk COMMERCIAL VEHICLE Takaful,0; Helaian Pendedahan Produk DOMESTIC SERVANT Takaful,0; Helaian Pendedahan Produk DRIVER PASSENGER PERSONAL ACCIDENT DPPA Takaful,0; Helaian Pendedahan Produk Etiqa TAKAFUL HOME SECURE,0; Helaian Pendedahan Produk TRIPCARE 360 …Takaful Motosikal. Dapatkan perlindungan komprehensif untuk kehilangan atau kerosakan pada motosikal anda, termasuk pilihan tambahan bagi perlindungan kemalangan diri. Dapatkan sebut harga & jimat 10%. Perlindungan untuk motosikal sekiranya berlaku kemalangan, kebakaran & kecurian. Perlindungan sekiranya berlaku kematian, …Etiqa Madani merupakan pelan pendidikan takaful yang melindungi dan meringankan beban kos pendidikan dengan tawaran Fast & Easy berikut: Manfaat Utama. Bayaran Education Cash. Bayaran tunai sebanyak 10% daripada jumlah yang dilindungi akan dibayar dua (2) kali sebelum sijil matang.Takaful Motosikal. Dapatkan perlindungan komprehensif untuk kehilangan atau kerosakan pada motosikal anda, termasuk pilihan tambahan bagi perlindungan kemalangan diri. Dapatkan sebut harga & jimat 10%. Perlindungan untuk motosikal sekiranya berlaku kemalangan, kebakaran & kecurian. Perlindungan sekiranya berlaku kematian, …What Is Etiqa Insurance? To love something, you need to know its origins and history. The history of Etiqa begins in Malaysia in 2005 when Maybank Ageas, formerly known as Mayban Ageas, together with Maybank’s insurance and takaful sector, which included Mayban General Assurance, Mayban Life Assurance, and Mayban Takaful, …

OneMedical Takaful. Kos rawatan perubatan sentiasa meningkat setiap tahun. Sekiranya anda jatuh sakit, anda ingin memberikan tumpuan sepenuhnya kepada pemulihan dan bukanlah pembayaran. Etiqa OneMedical Takaful akan membantu meringankan beban kewangan sekiranya anda atau ahli keluarga jatuh sakit.

Dasyat betul Live Chat Etiqa Insurance & Takaful. Sepantas kilat mereka balas dan bertindak. Terima kasih Cik Farah dan Cik Yaya! Mohd Danial Mohd Razali. Pagi tadi kereta (Kelisa WKH****) breakdown di Plaza Tol PLUS Kota Damansara. Saya call Etiqa Auto Assist untuk minta bantuan tow truck. Perkhidmatan begitu cekap, professional, mesra …Pocket Sense is the ultimate guide to managing your money. It’s our goal to make it simple, with expert information on how to decode your taxes, keep track of spending and stay fin...Muat Turun Dokumen. Diunderait oleh Etiqa General Insurance Berhad (197001000276) (Dilesenkan di bawah Akta Perkhidmatan Kewangan 2013 dan dikawal selia oleh Bank Negara Malaysia) Pelan kemalangan diri Oto 360 untuk melengkapkan perlindungan insurans kereta anda.OneMedical Takaful. Kos rawatan perubatan sentiasa meningkat setiap tahun. Sekiranya anda jatuh sakit, anda ingin memberikan tumpuan sepenuhnya kepada pemulihan dan bukanlah pembayaran. Etiqa OneMedical Takaful akan membantu meringankan beban kewangan sekiranya anda atau ahli keluarga jatuh sakit. The Etiqa HouseOwner and HouseHolder plan helps you alleviate the cost of replacement and repairs. Get an estimate of how much coverage you need by using this Building Cost Calculator provided by Malaysian Takaful Assosciation (MTA). Please note that you are advised to seek independent professional advice if the property had been extensively ... Alessio Mamo's "Dreaming Food" series was featured on the World Press Photo's Instagram account. An Italian photojournalist’s staged images of impoverished Indians posing before fa...Mar 15, 2024 · Etiqa+ is an all-in-one app created by Etiqa Insurance and Takaful for our customers to: • View and manage all their policies. -Keep track and get a quick overview of your policies from your mobile device. • Get medical assistance. -Locate the nearest medical panel providers to you. -Submit medical claims. The Etiqa HouseOwner and HouseHolder plan helps you alleviate the cost of replacement and repairs. Get an estimate of how much coverage you need by using this Building Cost Calculator provided by Malaysian Takaful Assosciation (MTA). Please note that you are advised to seek independent professional advice if the property had been extensively ...

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Sixth-generation descendants of James Gamble have criticized the company's reliance on vulnerable forests in its paper sourcing. Descendants of Procter & Gamble’s co-founder are sp... Dominik Jacqueline A. Smeets. Dato’ Mohamed Rafique Merican Mohd Wahiduddin Merican. Professor Dr. Rusni Hassan. Wong Shu Yoon. Etiqa Life Insurance Berhad. Etiqa Family Takaful Berhad. Kamaludin Ahmad. Chief Executive Officer, Maybank Ageas Holdings Berhad, Etiqa Life Insurance Berhad and Group Chief Executive Officer, Etiqa Insurance & Takaful. Mar 15, 2024 · Etiqa+ is an all-in-one app created by Etiqa Insurance and Takaful for our customers to: • View and manage all their policies. -Keep track and get a quick overview of your policies from your mobile device. • Get medical assistance. -Locate the nearest medical panel providers to you. -Submit medical claims. Mawaddah II is an amazingly affordable Family Takaful protection plan to take care of you and your family during times of distress, via the following Fast & Easy offerings a: Key ... Underwritten by Etiqa Family Takaful Berhad (199301011506) (Licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia) Sitemap;Features · up to RM5,000 for baggage delay · up to RM12,500 for travel delay, losses or damages to baggage, personal effects, personal money and/or travel ...Etiqa’s UN PSI Journey. Etiqa has boldly stated its commitment to sustainability by being the first insurance and takaful company in Malaysia to become a signatory of the United Nations’ Principle for Sustainable Insurance (UN PSI) under the United Nations Environment Programme Finance Initiative (UNEP FI). Through this initiative, Etiqa ...FITCH RATINGS ANALYSTS. Kanishka de Silva, CFA. Director. Primary Rating Analyst. +61 2 8256 0367. [email protected]. Fitch …Dapatkan diskaun 10% untuk Insurans/Takaful Tesla Ensure bagi kereta Tesla baru yang berdaftar sebelum 30 Jun 2024. Dapatkan Sebut Harga Untuk mendapatkan sebut harga atau sekiranya anda memerlukan maklumat lanjut, sila kunjungi mana-mana cawangan Maybank Auto Finance Centre atau hubungi Maybank Group Customer Care di talian …Insurans MegaPlus. Pelan insurans berkaitan pelaburan yang menjamin gaya hidup keluarga anda. Pengagihan kekayaan terus kepada orang yang dinamakan. Perlindungan jangka masa panjang. Unit bonus kesetiaan. Tiada pemeriksaan perubatan. Uruskan pelan legasi anda dengan tempoh pembayaran yang fleksibel bermula dari 5, 10, 15 atau 20 …OneMedical Takaful Downloads. Underwritten by Etiqa Family Takaful Berhad (199301011506) (Licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia) This is a pure protection product whereby the sole purpose of the product is to provide you with coverage for specific cevered …Feel free to contact any of our Etiqa contacts below. Country Malaysia. Visit Us. Tower C, Dataran Maybank, No. 1 Jalan Maarof, 59000 Kuala Lumpur. Call Us. 1-300-13-8888. Email Us. [email protected]. Find more contacts on the local site. Click Here. Singapore. Visit Us. One Raffles Quay, #22-01 North Tower, Singapore 048583. Call Us ... ….

After laying off 70% of staff, Embark Trucks is selling its autonomous trucking company to Applied Intuition. Embark Trucks, the autonomous trucking company that recently cut 70% o...Takaful Smart Travel365 · Car · Motor Insurance · Motor Takaful · Personal Accident · Premier PA Plus · Takaful PA Plus · Infinite ...* The FREE EV Home Charger Takaful Coverage add-on is available for sign ups by 31 December 2024 and coverage will be active for the entire 1-year tenure of the Motor Takaful certificate. * This FREE EV Home Charger offer is available via Etiqa and Maybank branches, our General Takaful agents or Etiqa Oneline at 1 300 …People choose us because we go the extra mile for our customers and place them over our policies. We're dedicated to our mission of helping people to protect their assets, maintain their lifestyle and build a better future. Save up to 25% for online insurance & takaful covers. Underwritten by the best insurance & takaful company in Malaysia.People choose us because we go the extra mile for our customers and place them over our policies. We're dedicated to our mission of helping people to protect their assets, maintain their lifestyle and build a better future. Save up to 25% for online insurance & takaful covers. Underwritten by the best insurance & takaful …Etiqa+ App. New An all-in-one app which can make you smile with Fast & Easy solutions at your fingertips. Tell you all that you’re covered for in 1 place. Show you highly rated car workshops. Locate the nearest medical panel providers, submit medical claims and track status of Guarantee Letter. Learn More. Download these apps to have ...Etiqa is an insurance company with international experience, operating across South East Asia mainly Singapore, Philippines, Indonesia, and Malaysia. Easily access our range of insurance products and services from anywhere across the nation. We embrace and adopt the latest technology, so we can offer our services to you quickly and easily.Etiqa is a leading ASEAN Insurance and Takaful player under the Maybank Group, a leading banking conglomerate in ASEAN. It offers a full range of Life and General Insurance products and Family …Takaful Hadiyyah Takafulink. Simpanan bukanlah jaminan untuk kesenangan masa depan – tetapi, ia adalah sesuatu yang amat penting untuk anda dan keluarga. Dengan Hadiyyah Takafulink, pelan takaful berkaitan pelaburan dan Takafulink Savings Flexi, manfaat simpanan tambahan (sumbangan berbayar), anda akan menerima ganjaran bayaran … Etiqa takaful, If you’re an Etiqa policyholder or takaful participant, you can request immediate help via the Etiqa Smile app, seamlessly without logging in. Report the Accident to the Police Within 24 Hours. Lodge a police report within 24 hours as any unreasonable delay may affect your insurance claims. Provide the police with …, i-Travel Ezy Takaful. Get compensated (with Shariah-compliant plan) for domestic flight delays. Get paid RM60 when your flight is delayed by 30 minutes or more. Learn More Apply Online & Save 25%. The only people whose opinions we value and learn from are our customers. One of the best travel insurance and takaful in Malaysia. , i-Travel Ezy Takaful. Get compensated (with Shariah-compliant plan) for domestic flight delays. Get paid RM60 when your flight is delayed by 30 minutes or more. Learn More Apply Online & Save 25%. The only people whose opinions we value and learn from are our customers. One of the best travel insurance and takaful in Malaysia., Muat Turun Dokumen. Diunderait oleh Etiqa Family Takaful Berhad (199301011506) (Dilesenkan di bawah Akta Perkhidmatan Kewangan Islam 2013 dan dikawal selia oleh Bank Negara Malaysia). Pelan perlindungan dengan pelan simpanan yang fleksibel dari hanya RM70 sebulan., Dasyat betul Live Chat Etiqa Insurance & Takaful. Sepantas kilat mereka balas dan bertindak. Terima kasih Cik Farah dan Cik Yaya! Mohd Danial Mohd Razali. Pagi tadi kereta (Kelisa WKH****) breakdown di Plaza Tol PLUS Kota Damansara. Saya call Etiqa Auto Assist untuk minta bantuan tow truck. Perkhidmatan begitu cekap, professional, mesra …, i-Travel Ezy Takaful. Get compensated (with Shariah-compliant plan) for domestic flight delays. Get paid RM60 when your flight is delayed by 30 minutes or more. Learn More Apply Online & Save 25%. The only people whose opinions we value and learn from are our customers. One of the best travel insurance and takaful in Malaysia., Sometimes, it’s not about going against the grain. We pit these grains against each other to see which is better for you — and you’re the winner. You may be ready to switch your st..., Before deciding which college applications to fill out, MONEY suggests using college rankings as a guide but not an end all, be all. By clicking "TRY IT", I agree to receive newsle..., Takaful Motosikal. Dapatkan perlindungan komprehensif untuk kehilangan atau kerosakan pada motosikal anda, termasuk pilihan tambahan bagi perlindungan kemalangan diri. Dapatkan sebut harga & jimat 10%. Perlindungan untuk motosikal sekiranya berlaku kemalangan, kebakaran & kecurian. Perlindungan sekiranya berlaku kematian, …, 24/7 Etiqa Auto Assist. DISCOVER GET A QUOTE. Icon Image Motor Takaful. A comprehensive Shariah-compliant private car takaful plan. 10% OFF when you sign up ..., OneMedical Takaful Downloads. Underwritten by Etiqa Family Takaful Berhad (199301011506) (Licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia) This is a pure protection product whereby the sole purpose of the product is to provide you with coverage for specific cevered …, She and 299 other Tahrir Square protestors have now been sentenced to life in prison. Over the last three years, Egyptian revolutionary Hend Nafea has struggled against her country..., Protect your home with one plan. Fire, lightning, and explosion caused by gas used for domestic purposes. Bursting or overflowing of domestic water tanks, apparatus or pipes. Loss of rent - Limit 10% of total sum covered. Theft by actual forcible and violent breaking into or out of the house., Prisma Takaful. The plan that provides coverage for your family from just RM50/month. Choose from 6 riders to customise your coverage. Eligibility entry age from 19 to 60 years. Get cash back when you make no claims. Learn more. Affordable term life and whole life insurance and takaful. , Join Us And Explore Your Career Potential. We provide a solid, stable platform for personal and professional growth, with a healthy work/life balance and many exciting opportunities for your career development., eTiQa Insurance & Takaful merupakan sebuah rangkaian insurans dan takaful untuk Kumpulan Maybank.Ia menawarkan insurans hayat dan am serta produk keluarga dan takaful am melalui 14,000 ejennya, 30 cawangan dan 450 cawangan Maybank menggunakan model bancassurance. Etiqa Insurance adalah salah …, FITCH RATINGS ANALYSTS. Kanishka de Silva, CFA. Director. Primary Rating Analyst. +61 2 8256 0367. [email protected]. Fitch …, e-CancerCare Takaful. A shariah-compliant plan that provides coverage for early stage and major cancer treatments. Cash payout for early stage cancers, including carcinoma in situ. 150% cash payout upon diagnosis of advanced cancer. Coverage from 21 cent a day. , Etiqa, Kuala Lumpur, Malaysia. 236,517 likes · 1,643 talking about this · 10,562 were here. Welcome to the official Etiqa Insurance & Takaful Facebook page. , Oto 360 Takaful adalah pelan kemalangan peribadi yang menyeluruh yang melengkapkan perlindungan takaful kereta anda. Ciri-ciri yang dipertingkatkan memberikan kemudahan utama sekiranya anda mengalami kemalangan jalan raya. ... Diunderait oleh Etiqa General Takaful Berhad (201701025031) (Dilesenkan di …, Medicine Matters Sharing successes, challenges and daily happenings in the Department of Medicine Dr. Garima Sharma, assistant professor in the Division of Cardiology, is vice chai..., Etiqa Online di 1300-13-8888, ... Diunderait oleh Etiqa General Takaful Berhad. Dapatkan bantuan kecemasan 24 jam di tepi jalan dengan hanya satu klik! , Motorcycle Takaful. New Get comprehensive Shariah compliant coverage for loss, theft or damage to your motorcycle, and more. 10% rebate on top of your NCD when you renew online. Coverage for accidents, fire & theft. 3rd party coverage. Learn More Apply Online & Save 10%. , Etiqa is also a digital insurance/Takaful player in Malaysia with over 55% market share of online premium/contribution in the past three consecutive years. [1] . …, Underwritten by Etiqa General Takaful Berhad (201701025031) (Licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia) Sitemap, Login ID : Password Please enter the code as displayed in the above image box; To reload/refresh the image, just click the button next to it. , Features · up to RM5,000 for baggage delay · up to RM12,500 for travel delay, losses or damages to baggage, personal effects, personal money and/or travel ..., OneMedical Takaful Downloads. Underwritten by Etiqa Family Takaful Berhad (199301011506) (Licensed under the Islamic Financial Services Act 2013 and regulated by Bank Negara Malaysia) This is a pure protection product whereby the sole purpose of the product is to provide you with coverage for specific cevered events. , Etiqa Online di 1300-13-8888, ... Diunderait oleh Etiqa General Takaful Berhad. Dapatkan bantuan kecemasan 24 jam di tepi jalan dengan hanya satu klik! , Etiqa adalah pemain Utama Insurans dan Takaful ASEAN di bawah Kumpulan Maybank, sebuah konglomerat perbankan terkemuka di ASEAN. Kami menawarkan pelbagai produk insurans konvensional Hayat dan Am serta pelan Takaful Keluarga dan Am di pelbagai saluran pengedaran lebih daripada 10,000 ejen, 46 cawangan …, Mabrur Takaful. The search for peacefulness is more than an aspiration; it is a way of life. Enhance your path with a savings, and coverage plan that understands your desire for a harmonious well-being, as you embark on your journey to fulfil one of the five pillars of Islam. With Etiqa Mabrur, you are one step closer to performing Hajj, …, Alessio Mamo's "Dreaming Food" series was featured on the World Press Photo's Instagram account. An Italian photojournalist’s staged images of impoverished Indians posing before fa..., Etiqa Insurance Appointment. Let's make an appointment. Fill in the details below to schedule one. You can purchase your vehicle, home, and travel insurance and takaful instantly at www.etiqa.com.my or by chatting with us at eti.qa/livechat. For group insurance policy/ takaful certification matters, please email directly to eb_helpdesk@etiqa ...