Terms and Conditions

The following terms and conditions apply to your access and use of this website (“Site”) and the services provided herein (“Services”) by Tokio Marine Life Insurance Malaysia Bhd and Syarikat Takaful Malaysia Keluarga Berhad. In these terms and conditions, "you" and "your" mean any person accessing our website (“Site”). "We", "us" and "our" mean Tokio Marine Life Insurance Malaysia Bhd and Syarikat Takaful Malaysia Keluarga Berhad, including its successors and assigns.

The use of this Site and/or Services is governed by these terms and conditions. Please ensure that you have read and understood these terms and conditions before using this Site and/or Services.

It is agreed that copyright in the pages and in the screens displaying the pages, and in the information and materials, and in their arrangement, is owned by us unless otherwise indicated.

CONDITIONS OF USE 

By using or accessing this Site and the services available therein, you expressly acknowledge your assent to the following terms and conditions of usage without any limitation or qualification whatsoever. The terms and conditions on use and access and the information that appear on this Site are subject to change from time to time and at any time without notice. As these terms and conditions may be amended or revised at any time and as deemed solely by us without any prior notice to you, you are hereby notified that you shall be bound by any such amendments, revisions or up-dates and you are therefore advised to periodically visit this page to review the applicable terms and conditions to which you are bound to.

DISCLAIMERS

The materials and information in this website, including but not limited to services, products, information, data, text, graphics, audio, video, links or other items, are provided by us on an “as is” and “as available” basis. References to material and information contained in the website include such material and information provided by third parties.

To the fullest extent allowable under applicable law, we do not make and if applicable, disclaim any express or implied warranties, representations or endorsements including but not limited to any warranties of title, non-infringement, merchantability, usefulness, operation, accuracy, satisfactory quality, reliability, fitness for a particular purpose in respect of the Site, the material, information and/or functions therein and expressly disclaims liability for errors and omissions in such materials, information and/or functions. Without derogation of the above, we will take reasonable measures to ensure the accuracy and validity of all information.

Further we do not warrant or represent that access to the whole or part(s) of this Site, Services, the materials, information and/or functions contained therein will be provided uninterrupted or free from errors or that there will be no delays, failures, errors or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. However, defects identified (if any) will be promptly addressed to ensure materials, information and/or functions contained therein are accurate.

You shall be responsible to evaluate the quality, adequacy, completeness, current ness and usefulness of all services, content, advice, opinions and other information obtained or accessible through the website; further you should seek professional advice at all times and obtain independent verification of the materials and information provided herein prior to making any investment, business or commercial decision based on any such materials or information.

We disclaim all liability which may arise from any unauthorized reproduction or use of the contents of this Site.

ACCEPTABLE USE

Your use of the Site and/or Services and any content and user information transmitted in connection with this Site is limited to the contemplated functionality. You agree that your use of the Site and/or Services and any content will and must comply with these terms and conditions.

In no event may the Site and/or services be used in a manner that:

harasses, abuses, stalks, threatens, defames or otherwise infringes the legal rights of any party;
is deceptive, negligent, unlawful or fraudulent;
uses technology or any other means to improperly access this Site, Services or the content;
employs bots, scripts, or any other automated tools to access, copy, or interact with this Site and its contents;
fails to comply with applicable and reasonable third party terms;
attempts to gain unauthorised access to our network or user accounts;
encourages, promotes or induces conduct that would constitute a criminal offence or give rise to civil liability;
attempts to damage, disable or overburden or impair our servers or networks; or
attempts to introduce viruses or any other computer code, files, or programs intended to interrupt, destroy or limit the functionality of any computer hardware, software or telecommunication devices.

We reserve the right to terminate any user license, remove content, suspend or restrict accessibility or assert any legal action with respect to content or use of the Site, at its absolute discretion where we believe there has been a violation of the acceptable use and the terms and conditions herein, or our rights, or of any other user, or of any third party. Notwithstanding the foregoing, any delay or failure in taking such action shall not constitute a waiver of our rights stated herein.

PRIVACY POLICY

Our Privacy Statement describes our use and protection of non-public personal information ("customer information") and will help you understand how we treat your information that we obtain from you or other sources in the course of providing the Services. We urge you to read our Privacy Statements. The Privacy Policy by Tokio Marine Life Insurance Malaysia Bhd can be accessed here, and the Privacy Notice by Syarikat Takaful Malaysia Keluarga Berhad can be accessed here.

LINKS

Links from this Site to other websites are meant for your own information and convenience only. Such websites may also be linked to other websites which are owned and maintained by third parties and, as such, are not under our control. Therefore, we do not assume any responsibility or liability with respect to any of those websites (or any website linking into this Site) in any way whatsoever (including their content and operation). Without the express written consent from us, no person, company, or website may link to this Site, whether to its homepage or to any internal page

Furthermore, the links provided on this website shall not be considered an endorsement, verification or approval of such linked websites or the contents therein. Linking to any other website is at your sole risk and we will not be responsible or liable for any damages in connection with linking. It is advisable for you to read the privacy policy statements (if any) of any websites which are linked to this website.

LIMITATION OF LIABILITY

Whilst every reasonable effort is made to include accurate and up-to-date information on this Site, errors or omissions may sometimes occur. As a result, we make no warranties or representations as to the accuracy of this Site.

To the fullest extent permitted by law, we (including our officers, employees, contractors, and agents) shall not be liable for any loss, damage, costs, or expenses of any kind (whether direct, indirect, incidental, consequential, special, exemplary, or punitive, and whether arising in contract, tort, negligence, strict liability, or otherwise) suffered by you or your personnel in connection with:

your access to, use of, or reliance on this Site, its Services, or any content;
the inability to access or use the Site;
any failure of performance, error, omission, interruption, defect, delay in operation or transmission, line or system failure;
any viruses, malicious code, or other harmful components that may infect your computer equipment, software, data, or other property as a result of browsing, accessing, or downloading from the Site; or
any third-party links to or from this Site.

We also assume no responsibility, and shall not be liable for, any damages to, costs to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing  the Site or your downloading of any materials, data, text, images, video, or audio from this Site. You have sole responsibility for adequate protection and back up of your data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

USER ID AND PASSWORD (WHERE APPLICABLE)

You shall follow the guidelines provided by us in designating the user identification code (the "User ID") and the password (the "Password") for identifying you for the purposes of servicing you.

You shall act in good faith, exercise reasonable care and diligence in keeping your User ID and Password in secrecy. At no time and under no circumstances shall you disclose them to any other person or party.

You shall be fully responsible for any accidental or unauthorised disclosure of your User ID and/or the Password to any person/party and shall bear the risks of your User ID and/or the Password being used by unauthorised persons/parties or for unauthorised purposes. This responsibility and bearing of risks remains until we receive your written notification to suspend or reassign a new User ID and/or Password to you.

INDEMNIFICATION

By using or accessing this Site and the Service, you hereby agree to indemnify and hold us harmless from any claim or demand, including solicitors' fees, on a solicitor-client basis, made by any third party due to or arising out of your use of the Site and Service, the violation of these terms and conditions, and/or infringement of any intellectual property or other right of any person or entity.

PROPRIETARY RIGHTS TO CONTENT

You hereby acknowledge that contents, including but not limited to text, software, music, sound, photographs, video, graphics and/or other material contained in either electronic facility-distributed or commercially produced information presented in the Site and Services by us  (“Content”) are protected by copyright, trademarks, service marks, patents or other proprietary rights and laws; therefore, you are only permitted to use this Content to the extent as expressly authorized by the Site and the Service. The User may not copy, reproduce, distribute, or create derivative works from the Content without expressly being authorized to do so by us.

APPLICABLE LAW

These conditions shall be governed by and construed in accordance with the laws of Malaysia. We and the user irrevocably and unconditionally agree to submit to the exclusive jurisdiction of the courts of Malaysia. If any provision of these disclaimers and exclusions shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

FORCE MAJEURE

We shall not be liable to you for any breach of these conditions of use or any failure to provide or delay in providing our services through our website resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire explosion, or accident or natural disasters.

The pages under this website are subject to your acceptance of these terms and conditions. These will form the complete and only legal relationship between you and us. You further accept that these terms may be varied without prior notice. Please check this page regularly.

MISCELLANEOUS

Our failure or delay in exercising or enforcing any right or provision of these terms and conditions shall not be deemed a waiver of such right or provision. If any provision of these Terms and Conditions or part thereof is found to be invalid or unenforceable under applicable law, it shall be interpreted, to the greatest extent possible, in a manner consistent with the original intent, and the remaining provisions shall remain in full force and effect.

Any rights not expressly granted herein are reserved.