Please carefully read this agreement (“Agreement”) before accessing or using this Internet Web site (“Web Site”). When you access or use this Web Site, you are agreeing to be bound by this Agreement, including the liability disclaimers contained below. If you do not agree to the terms contained herein, do not use this Web Site or download any information from it. Materials on this Web Site may be accessed, downloaded and printed only for personal and non-commercial use. By using this Web Site, you agree that you will not use any materials or information found on this Web Site for any purpose that is unlawful or prohibited by this Agreement, including, but not limited to, the use of this Web Site from locations outside of the Malaysia or if you are under 18 years of age. Your permission to use the Web Site is automatically terminated if you violate any of the terms contained in this Agreement.
The contents of this site are owned by JA Assure Sdn. Bhd. and are protected by the laws of the Malaysia, its treaty countries and other jurisdictions. All rights are reserved and no reproduction, distribution, or transmission of the copyrighted materials at this Web Site is permitted without the written permission of JA Assure Sdn. Bhd.. All trademarks, logos and service marks are the property of JA Assure Sdn. Bhd.
You hereby understand and agree that by using this Web Site, you automatically and without any further action have established a business relationship between you and JA Assure Sdn. Bhd. As a result you agree to allow JA Assure Sdn. Bhd. to contact you about its business via telephone, e-mail and /or standard mail using the contact information you have provided.
THIS COMPANY STRIVES TO MAKE SURE THAT THE INFORMATION ON ITS WEB SITE IS ACCURATE, BUT INACCURACIES OR ERRORS CAN OCCUR. YOU USE THIS WEB SITE AT YOUR OWN RISK JA Assure Sdn. Bhd. RESERVES THE RIGHT TO CHANGE OR MODIFY THE CONTENT OF ITS WEB SITE AT ANY TIME WITH OR WITHOUT NOTICE. YOUR CONTINUED USE OF THIS WEB SITE CONSTITUTES YOUR ACCEPTANCE OF SUCH MODIFIED TERMS. THIS WEB SITE AND ALL OF THE INFORMATION CONTAINED THEREIN ARE PROVIDED “AS IS.” JA Assure Sdn. Bhd. DISCLAIMS ANY AND ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANYTHING WHATSOEVER RELATING TO THIS WEB SITE AND ANY INFORMATION PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. JA Assure Sdn. Bhd. IS NOT LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES CAUSED BY THE USE OF THIS WEB SITE AND/OR THE CONTENT LOCATED THEREON, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER CAUSE OF ACTION. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
You agree to indemnify and hold JA Assure Sdn. Bhd. harmless from and against any and all loss, cost, damage, or expense including, but not limited to, reasonable attorneys’ fees incurred by JA Assure Sdn. Bhd. arising out of any action at law or other proceeding necessary to enforce any of the terms, covenants or conditions of the Agreement or due to your breach of this Agreement.
This Agreement shall be governed by the laws of Malaysia. You hereby consent and voluntarily submit to personal jurisdiction in Malaysia, in and by the courts of Malaysia, in any action in which a claim is brought with respect to this Agreement and you agree that it may be served with process in any such action by hand delivery, courier, overnight delivery service, or certified or registered mail, return receipt requested. You irrevocably and unconditionally waive and agree not to plead, to the fullest extent permitted by law, any objection that it may now or hereafter have to the laying of venue or the convenience of the forum of any action or claim with respect to this Agreement brought in the Malaysia.
Our website does not provide you with any personal, financial, investment or any advice of any kind. Our website and the information it contains does not take into account your particular financial or insurance position or requirements and you should always obtain professional advice before acting upon any of the information contained on our website or other links contained on our website.
To the extent permitted by law you will receive all of your insurance documents electronically. There may be some insurance documents that we cannot deliver electronically due to legal and technological constraints. These will be posted to you.
On our website, you can make certain transactions online. This may be purchasing a policy. These transactions will not be final until we receive and process your confirmation. Your confirmation means any communication issued or transmitted by you to us via our website or other electronic means and which contains your acceptance in relation to our offer, or your confirmation of payment, whichever applies. Your confirmation of payment may not be received by us for reasons including mechanical, software, computer, telecommunications or electronic failure, or the omission or failure of other providers or systems which are outside the control of either of us. You acknowledge that to the extent permitted by law, we are not liable to you in any way for loss or damage, however caused, directly or indirectly, in connection with the transmission or submission of an electronic instruction through our website or any failure to receive an electronic instruction for any reason.
It is your responsibility to inform us of any change to your email address. It is also your responsibility to keep your email account active and capable of receiving new emails. We are not responsible for emails sent to an inactive or out of date email account, unless we are solely negligent.
Your confirmation of payment may not be received by us for reasons including mechanical, software, computer, telecommunications or electronic failure, or the omission or failure of other providers or systems which are outside the control of either of us. You acknowledge that to the extent permitted by law, we are not liable to you in any way for loss or damage, however caused, directly or indirectly, in connection with the transmission or submission of an electronic instruction through our website or any failure to receive an electronic instruction for any reason.
Payment processing is undertaken by our payment Processing Partners. In addition to this and other subset policies that govern the site. You herby agree to respective terms and conditions as stated on our partner’s platforms(s).
All payments for any insurance products, renewals, or other services purchased via our payment gateway service providers must be paid in full by the due date specified in the relevant confirmation.
Unless otherwise provided for, all payments are required to be made by you using a type of credit card accepted by us at the time of purchase or renewal of the applicable insurance policy or service. You must therefore provide to us through the payment gateway site the details of your current and valid Credit/Debit card, including:Credit/Debit card type;
Name on Credit/Debit card;
Credit/Debit card number;
and Credit/Debit card Security code (CVV).
You should not send us sensitive financial information like your Credit/Debit card number by email.
This Agreement embodies the entire agreement between the parties and may not be amended, modified, altered or changed in any respect whatsoever except by a writing duly executed by the parties hereto. This Agreement supersedes any and all prior and contemporaneous oral or written agreements or understandings between you and JA Assure Sdn. Bhd.. No representation, promise, inducement or statement of intention has been made by you and JA Assure Sdn. Bhd. that is not embodied in this Agreement. You and JA Assure Sdn. Bhd. Ltd shall not be bound by, or liable for, any alleged representation, promise, inducement, or statement of intention not contained in this Agreement. A printed version of this Agreement shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You agree that each provision to this Agreement shall be construed independent of any other provision of this Agreement. The invalidity or unenforceability of any particular provision of this Agreement shall not affect the other provisions hereof. In the event any provision of this Agreement is deemed unenforceable, including, but not limited to, the liability disclaimers above, the unenforceable provision shall be replaced with an enforceable provision that most closely reflects the intent go original provision.
We may collect User’s personal information from Users, third parties, or y available resources in a variety of ways, including (but not limited to):
- your name;
- contact details (including mobile phone, telephone, address and email);
- marital status;
- occupational information;
- health and other medical information;
- lifestyle information that relates to insurance;
- previous or current insurance; or
- driving history
and such other information which is relevant and necessary to providing products and services to you or to comply with the law.
We will inform you of the main reasons for collecting your personal information at the time we request it. The purposes for which we will generally collect and use your information include considering any application you make to us, providing products and services to you, performing administrative functions, communicating with you, verifying your identity, preventing and detecting fraud or loss, enhancing our products and services and telling you about our other products and services which may include those of our business partners, which we believe may interest you. You may tell us at any time that you do not want us to advise you about other products and services
We may collect non-personal information about Users whenever they interact with our Site. Non-personal information may include the browser name, the type of computer, Address, Location, technical information about the User’s means of connection to our Site (such as the operating system, the Internet service providers utilized) and other similar information.
JA Assure Sdn. Bhd. collects and uses Users personal information for the following purposes:
- To improve customer service - Your information helps us to more effectively respond to your customer service requests and support needs.
- To personalize user experience - We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
- To improve our Site - We continually strive to improve our website offerings based on the information and feedback we receive from you.
- To process transactions - We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.
- To deliver media content, promotions, surveys or other Site features - To send Users information they agreed to receive about topics we think will be of interest to them.
- For legal purposes, or matters relating to disputes, billing or fraud
The email address Users provide for order processing, will only be used to send them information and updates pertaining to their order. It may also be used to respond to their inquiries, and/or other requests or questions. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. User may choose to unsubscribe from receiving future emails using the unsubscribe link at the bottom of each email.
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site. User’s personal information may be disclosed to JA Assure Sdn. Bhd. employees or third parties like partnering companies, professional advisors, and relevant law enforcement or authoritative bodies for the purposes mentioned in the section above.
Sensitive and private data exchange between the Site and its Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures.
We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. We may use third party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.
Users may find advertising or other content on our Site that is linked to the sites and services of our partners, suppliers, advertisers, sponsors, licensors or other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services have their own privacy policies and customer service policies. As such, browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website's own terms and policies.
By using this Site, you are hereby agreeing to the above mentioned policies. If you do not agree to this policy, we advise that you do not use our Site. Your continued use of the Site following any changes to the above policies will be regarded as your acceptance of those changes.
19A-25-2, Wisma UOA, No. 19 Jalan Pinang, 50450 Kuala Lumpur, Malaysia.