Terms and Conditions

THE FOLLOWING TERMS AND CONDITIONS APPLY TO YOUR ACCESS AND THE USE OF THIS WEBSITE AND THE SERVICES PROVIDED HEREIN BY SYARIKAT TAKAFUL MALAYSIA KELUARGA BERHAD, WHICH MAY BE REVISED BY SYARIKAT TAKAFUL MALAYSIA KELUARGA BERHAD FROM TIME TO TIME. BY ACCESSING TO ANY PAGE OF THIS WEBSITE AND/OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS WITHOUT LIMITATION OR QUALIFICATION. IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS, PLEASE IMMEDIATELY DISCONTINUE YOUR ACCESS TO THIS WEBSITE AND/OR USE OF THE SERVICES.

THE USE OF THIS WEBSITE AND/OR SERVICES IS GOVERNED BY THESE TERMS AND CONDITIONS. PLEASE ENSURE THAT YOU HAVE READ AND UNDERSTOOD THESE TERMS BEFORE USING THIS WEBSITE AND/OR SERVICES.

General

The term "Takaful Malaysia" as used in these terms and conditions refers to Syarikat Takaful Malaysia Keluarga Berhad.

These terms and conditions are meant to regulate your access to this website and they are to be read together with the applicable terms and conditions governing any transaction(s), product(s) and or service(s) provided in this website.

The information provided on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Takaful Malaysia or its subsidiaries or affiliates to any registration requirement within such jurisdiction or country.

Neither the information, nor any opinion contained in this site constitutes a solicitation or offer by Takaful Malaysia to buy or sell any products, services, securities, futures, options, other financial instruments, provide any investment or financial advice or an invitation to enter into any legally binding contract or arrangement. Any binding contract or agreement shall be mutually agreed between the Parties when subscribing for a product or service.

The products and services described in this website are available only to Parties claiming in Malaysia. Your eligibility for any particular products or services and any submission merely constitutes an offer by you which remains subject to the final determination and acceptance by Takaful Malaysia.

The terms and conditions on use and access and the information that appear on this website are subject to change from time to time and at any time without notice. Takaful Malaysia is under no obligation to update the information on this site to reflect changes in circumstances which information would then differ from previously published information.

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 Takaful Malaysia 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, Takaful Malaysia does not make and if applicable, disclaims 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 website, 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 and/or the terms and conditions of the applicable agreements governing all the products and services of Takaful Malaysia, reasonable measures will be taken by Takaful Malaysia to ensure the accuracy and validity of all information relating to transactions and products of Takaful Malaysia.

Further Takaful Malaysia does not warrant or represent that access to the whole or part(s) of this website, 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.

The materials, information and functions provided in this website shall not under any circumstances be considered or construed as an offer or solicitation to sell, buy, give, take, issue, allot or transfer, or as the giving of any advice in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual funds or other securities, investments, loans, advances, credits or deposits in any jurisdiction.

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.

Use of Links

Links from or to websites outside this website are meant for convenience only. Such linked websites are owned and operated by third parties and as such are not under the control of Takaful Malaysia. Therefore Takaful Malaysia shall not be responsible and makes no warranties in respect of the contents of those websites, the third parties named therein or their products and services.

Furthermore, the links provided in this website shall not be considered an endorsement or verification or approval of such linked websites or the contents therein. Linking to any other website is at your sole risk and Takaful Malaysia 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.

Acceptable Use

Use by you of the website and/or services and any content and user information transmitted in connection with this website is limited to the contemplated functionality. You agree that your use of the website and/or services and any content will and must comply with these terms and Takaful Malaysia policies. In no event may the website and/or services be used in a manner that:-

	i)	harasses, abuses, stalks, threatens, defames or otherwise infringes the legal rights of any party;
	ii)	is deceptive, negligent, unlawful or fraudulent;
	iii)	uses technology or other means to access this website, services provided herein or content;
	iv)	launches any automated system to access this website and its contents;
	v)	fails to comply with reasonable and applicable third party terms;
	vi)	attempts to gain access into Takaful Malaysia's network or user accounts;
	vii)	encourages, promotes or induces conduct that would constitute a criminal offence or give rise to civil liability;
	viii)	attempts to damage, disable or overburden or impair Takaful Malaysia servers or networks; or
	ix)	attempts to introduce viruses or any other computer code, files or programs that interrupt, destroy or limit the functionality of any computer hardware or software or telecommunication devices.

Takaful Malaysia reserves 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 website, at its absolute discretion where Takaful Malaysia believes there has been a violation of the acceptable use and the terms and conditions herein. Notwithstanding, any delay or failure in taking such action shall not constitute a waiver of Takaful Malaysia's rights stated herein.

Copyright

Unless otherwise indicated, the copyright in this website and its contents, including but not limited to the text, images, graphics, sound files, animation files, video files, and their arrangement, are the property of Takaful Malaysia, and are protected by applicable Malaysian and international copyright laws. No part or parts of this website may be modified, copied, distributed, retransmitted, broadcast, displayed, performed, reproduced, published, licensed, transferred, sold or commercially dealt with in any manner without the express prior written consent of Takaful Malaysia.

You also may not, without Takaful Malaysia's express prior written consent, insert a link to this website on any other website, frame or "mirror" any material contained on this website on any other server.

Any such unauthorized reproduction, retransmission or other copying or modification of any of the contents of Takaful Malaysia's website may be in breach of statutory or common law rights which could be the subject of legal action.

Takaful Malaysia disclaims all liability which may arise from any unauthorized reproduction or use of the contents of this Takaful Malaysia's website.

Trademarks

All trademarks, service marks, and logos displayed in this website are the property of Takaful Malaysia and/or their respective third party proprietors as identified in the website.

Unless the prior written consent of Takaful Malaysia or the relevant third party proprietor of any of the trademarks, service marks or logos appearing on the website has been obtained, no license or right is granted to any party accessing this website to use, download, reproduce, copy or modify such trademarks, services marks or logos. Similarly, unless the prior written consent of Takaful Malaysia or the relevant proprietor has been obtained, no such trade mark, service mark or logo may be used as a link or to mark any link to the Takaful Malaysia's website or any other website.

Indemnity

You hereby irrevocably agree to indemnify and keep indemnified Takaful Malaysia from all liabilities, claims, losses and expenses, including any legal fees that may be incurred by Takaful Malaysia in connection with or arising from (1) your use or misuse of this website and the services provided herein, or (2) your breach of these terms and conditions howsoever occasioned, or (3) any intellectual property right or proprietary right infringement claim made by a third party against Takaful Malaysia in connection with your use of this website.

Termination

Takaful Malaysia reserves the right to terminate and/or suspend your access to this website and/or your use of this website at any time, for any reason whatsoever. In particular, and without limitation, Takaful Malaysia may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of Takaful Malaysia, of any other user, or of any third party.

Law and Jurisdiction

These terms and conditions are governed by and are to be construed in accordance with the laws of Malaysia. By accessing this website and/or using the services provided herein by Takaful Malaysia, you hereby consent to the exclusive jurisdiction of the Malaysian courts in Kuala Lumpur, Malaysia in all disputes arising out of or relating to the use of this website.

Takaful Malaysia makes no representation that the materials, information, functions and/or services provided on this website are appropriate or available for use in jurisdictions other than Malaysia.

Exclusion of Liability

TAKAFUL MALAYSIA AND/OR ITS PARTNERS HEREIN SHALL IN NO EVENT BE LIABLE FOR ANY LOSS OR DAMAGES HOWSOEVER ARISING WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER BASIS, INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR LOSS PROFITS OR SAVINGS ARISING IN CONNECTION WITH YOUR ACCESS OR USE OR THE INABILITY TO ACCESS OR USE THIS WEBSITE (OR ANY THIRD PARTY LINK TO OR FROM TAKAFUL MALAYSIA'S WEBSITE), RELIANCE ON THE INFORMATION CONTAINED IN THE WEBSITE, ANY TECHNICAL, HARDWARE OR SOFTWARE FAILURE OF ANY KIND, THE INTERRUPTION, ERROR, OMMISSION, DELAY IN OPERATION, COMPUTER VIRUSES, OR OTHERWISE. THIS EXCLUSION CLAUSE SHALL TAKE EFFECT TO THE FULLEST EXTENT PERMITTED BY LAW.

Miscellaneous

The failure of Takaful Malaysia to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision. If any part of these terms and conditions is determined to be invalid or unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the other provisions of the terms and conditions shall continue in full force and effect.

Any rights not expressly granted herein are reserved.