Disclaimer

Introduction

This website, www.GoInsurance.com.my is owned and managed by GI COVER SDN BHD (Company No: 1154721-M).

In these Terms of Use, "we", "our" and "us" means GoInsurance.com.my and "you" and "your" means any person who accesses and uses this service.

As we offer services in relation to a number of products and services, there are two sections to our Terms of Use. Once you have read Section 1 which applies to all products and services, you should read the relevant paragraph in Section 2 which provides additional terms in relation to the product or service you require.

Access to and use of this Website is subject to these Terms of Use and our Privacy Policy. By accessing and using this Website you agree to be bound by and to act in accordance with these Terms of Use and our Privacy Policy. If you do not agree to these Terms of Use or our Privacy Policy, you are not permitted to access and use this Website and you should cease such access and/or use immediately. If you breach any term of these Terms of Use, your right to access and use this Website shall cease immediately.

General

GoInsurance.com.my is an insurance comparison website. We provide an independent online service which enables you to research and compare insurance products or services provided by third parties whilst using this Website. Our comparison service is free for you to use. We receive a fee and/or commission from the third party product or service providers when you use our service to purchase products or services from them.

The content on www.GoInsurance.com.my is provided "as is" for general information purposes only. It does not constitute advice nor does any part of the content constitute an open offer capable of forming the basis of a contract. We do not warrant that this Website will always be accessible uninterrupted, timely, secure, error free or free from computer virus or other invasive of damaging code.

We are not liable in manner to you or to any person claiming though you whomsoever, for any losses, damages (direct or indirect), costs, liabilities, expenses, claims or demands resulting from any delays, inaccuracies or errors in the information or in its transmission. We do not give any warranty that the Website is free from viruses or anything else which may have a harmful effect on any technology.

Condition of Access

You are only permitted to access and use this Website for your personal, non-commercial purposes, meaning this Website may only be accessed and used directly by a private individual or by a business to seek a product or service directly for that individual or business and on their own behalf. Access to and use of this Website other than for your personal, non-commercial purposes is strictly prohibited. You are not permitted to use this Website:

  • In any unlawful, fraudulent or commercial manner.
  • To harm, threaten, abuse, embarrass, defame, libel, intimidate or harass another person, or in a way that invades another person's privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory or damaging as determined by us.
  • To create, check, confirm, update, modify or amend your own or another person's databases, records or directories.
  • To tamper with, modify, reverse engineer or amend any part of this Website.
  • In a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems as determined by us.
  • Using any automated software, process, program, robot, web crawler, spider, data mining, trawling or other 'screen scraping' software, process, program or system.

You may operate a link to this Website provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, as determined by us. You must not operate a link to this Website in such a way as to suggest or imply any form of association, approval or endorsement by us. We reserve the right to require you to immediately remove any link to this Website at any time and we may withdraw any linking permission at any time.

Accuracy of this Website

While every precaution has been taken in the preparation of this Website and every effort made, the accuracy of information mentioned in this Website are subjected to changes and differences. We shall not be liable for any errors or omissions that may remain and any losses or inconveniences incurred as a result of such changes or differences. The information and materials including the terms and conditions in this Website may be modified, deleted or replaced from time to time and at any time at the discretion of GoInsurance.

Third Party

GoInsurance.com.my may at times include statements, opinions or views of third parties. While we may occasionally make reference to certain provider, product or service by its name, it does not constitute an endorsement by us. We deny any and all liability or responsibility for any errors, inaccuracies, omissions, misleading or defamatory content. Product names, logos, brands and other trademarks referred to in our website are the property of their respective trademark holders.

Intellectual Property Rights

The copyright in the information, content, material or data displayed on this Website belongs to us or our licensors. You may temporarily print; copy, download or store extracts of information, content, material or data displayed on this Website for your own personal use, subject to the following conditions:

  • It may not be used for any commercial purposes and may not be commercially exploited, published, distributed, extracted, re-utilized or reproduced without our prior written consent.
  • You may not use any automated software, process, program or system, robot, web crawler, spider, data mining, trawling or other 'screen scraping' software, process, program or system.
  • It may not be sold or transferred to any third party.
  • The copy must retain any copyright or other intellectual property notices contained in the original material.
  • Images displayed on this Website are protected by copyright and may not be reproduced or appropriated in any manner without the prior written consent of their respective owner(s).
  • No logos, trademarks or service marks displayed on this Website may be printed or downloaded, except as part of the text of which they form part.
  • You must not modify the paper or digital copies of such information, content, material or data.
  • It may not be excerpted, utilized, used, reproduced, published, reformatted and/or displayed on any other website without our prior written consent.
  • The status of us and our licensors as the authors of such information, content, material or data must be acknowledged.

All intellectual property rights including, without limitation, all copyright, design rights, patents, inventions, logos, business names, trading names, service marks and trademarks, internet domain names, moral rights, rights in databases, data, source codes, software, specifications, know how, processes and business methods (in all cases whether registered or unregistered and including all rights to apply for registration) in and relating to this Website (including information, content, material or data displayed on it) belong to us or our licensors and all such rights are reserved.

Your responsibilities

You must take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material or data you provide is free from viruses, spyware, malicious software, trojans, worms, logic bombs and anything else which may have a contaminating, harmful or destructive effect on any part of this Website or the websites of third parties or any other technology.

You may complete a registration process as part of your use of this Website which may include the creation of a username, password and/or other identification information. Any username, password and/or other identification information must be kept confidential by you and must not be disclosed to, or shared with, anyone. Where you do disclose to or share with anyone your username, password and/or other identification information, you are solely responsible for all activities undertaken on this Website using your username, password and/or other identification information.

You must check and ensure that all information, content, material or data you provide on this Website is correct, complete, accurate and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data you provide on this Website is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts.

You must get permission from any other person about whom you propose to provide information before you provide it. In submitting any other person's details, you are confirming to us that you have their permission to do so and that they understand how their details will be used.

You agree that you will be liable to us for any damage, loss, claim, demand, liability or expense (including reasonable legal fees) that we may suffer or incur arising out of or in connection with your conduct on this Website and/or your User Content.

Payment

You agree to pay any fees and/or other charges incurred by you in accordance with any payment provisions set out on this Website from time to time.

Full payment for products or services where required on this Website, for example travel insurance, should be made at the time of application for the product or service and in the secure area of this Website. Payment methods other than those stated on this Website will not be accepted. We reserve the right to charge you any handling fees that we or the relevant third party may incur in respect of your application. You will be informed of any such charges before they are incurred.

Privacy

We are committed to protecting your privacy and we treat your privacy very seriously. We process information about you in line with our Privacy Policy. By using this Website, you agree to the way in which we process and deal with your personal information.

GoInsurance.com.my specifically excludes liability for any loss or damage no matter how arising from the use of this website or of any information or services provided through this website. GoInsurance.com.my reserves the right to update, amend or change the content of this website without notice.