TERMS FOR USERS

 

1. Terms of Use

1.1    By accessing, browsing or using our platform, and any websites, any mobile application operated by us or linked to our platform, or any page thereof (the "Insuree Platform"), through any direct or indirect means (individually or collectively), or by using the goods, facilities or services (each a "Service", as the case may be) offered in or through the Insuree Platform through alternative methods (including, for example, telephone, mail, email or facsimile), you accept and agree to be bound by these Terms of Use and any other document, terms or conditions that form part of the same, as may be amended, supplemented, modified or added from time to time (these "Terms of Use").
 
1.2    If you do not agree to these Terms of Use, you are not authorised to access or use the Insuree Platform, and you are to cease accessing or otherwise using the Insuree Platform. The details, description, functions and process in respect of each Service will be set out on the Insuree Platform itself and may be revised, amended or supplemented from time to time. You agree that for your use of each Service, you will from time to time satisfy yourself by fully reading and understanding the details, description, functions and process in respect of each Service, prior to using any of the Services.   
 
1.3    INSUREE Pte Ltd ("INSUREE") operates the Insuree Platform and shall have the right at any time to change or discontinue any aspect or feature of the Insuree Platform and the right to modify these Terms of Use and/or any other terms and conditions applicable to users of the Insuree Platform, or any part thereof. Such changes, modification, additions or deletions shall be effective immediately upon posting on the Insuree Platform. Any use by you of the Insuree Platform or the Services offered in or through the Insuree Platform shall be deemed to constitute acceptance of such changes.
 
1.4    In these Terms of Use, "we", "our" and "us" refers to INSUREE Pte Ltd and "you" and "your" is defined to any person who accesses and uses the Insuree Platform. If you are an insurance agent who is signed up to the Insuree Platform, you would also be bound by the "Terms of Service to be used with Insurance Agents", which govern an insurance agent's use of the "Client Matching" feature on the Insuree Platform. An "insurance agent" in these Terms of Use, shall have the same meaning as that given under section 1A of the Insurance Act (Chapter 142).

1.5    In the event of any express conflict between these Terms of Use and the Terms of Service to be used with Insurance Agents, or any other such terms and policies which may be promulgated from time to time, these Terms of Use shall take precedence.

1.6    "Communications" means any communication including but not limited to communications by email between us and our users. "Contribution" means the contributions in relation to marketing and educational materials and other relevant information by the Insurance Agent or any licensed insurance company in Singapore to the Insuree Platform including but not limited to the text and/or images.
 
1.7    By using the Insuree Platform, you acknowledge that you have read, understood, and (i) agree to be bound by these Terms of Use; (ii) where you are an insurance agent, agree to also be bound by Terms of Service to be used with Insurance Agents; and (iii) you represent and warrant that you are at least 18 years of age.
 

2. Accessing the Insuree Platform

2.1    We will use our best efforts to keep the Insuree Platform accessible at all times. However, you agree that we will not responsible for any losses that may arise from the inability to access to the Insuree Platform, from visiting the Insuree Platform and/or from the reliance on the information provided within the Insuree Platform.

2.2    We reserve the right to withdraw or amend any Services that are provided on the Insuree Platform without any notice. While we will use our best efforts, we cannot guarantee that the Insuree Platform will be fully or partially operational at all times.
 

3. Requests for Contact by Insurance Agents

3.1    We aim to assist you with the comparison of insurance products in Singapore under the Insuree Platform's "Client Matching" feature. We do not charge any fee for the usage of the Insuree Platform. However, we reserve the right to collect referral fees from the Insurance Agents whom are registered on the Insuree Platform, in the event that you submit a request for an Insurance Agent to contact you upon successful Client Matching (each a "Client-Matched" Insurance Agent).
 
3.2    When you submit a request to us for an Insurance Agent to contact you, you are giving us and the Insurance Agent the explicit consent to contact you even if you are registered with the National DNC (Do-Not-Call) Registry. If you change your mind, you may withdraw your consent by notifying us immediately and we will accede to your request.
 
3.3    We merely provide a platform for you to be matched to an Insurance Agent and do not conduct any regulated activities such as the provision of financial advisory services or similar. While we endeavour on a best efforts basis to match you and your needs with a fit and porper Insurance Agent, you agree and acknowledge that you shall exercise your own due diligence in deciding whether or not to accept the advice and services of the Insurance Agent. You agree that we shall not be responsible for any loss arising from the advice, conduct, acts and/or omissions of any Insurance Agent and any recourse on your part shall only be with the Insurance Agent and/or his principal (ie. a licensed insurer in Singapore).
 
3.4    Any "Client-Matched" Insurance Agent is not our representative, agent, principal, employee, employer, master, or servant and shall not hold out to you or any person in any manner that he/she is the representative, agent, principal, employee, employer, master, or servant of INSUREE Pte Ltd or any of our subsidiaries or affiliates.
 
3.5    If you are not satisfied with or have any complaints with regard to any products or services provided by an Insurance Agent or his principal, you agree that you shall have no recourse against INSUREE Pte Ltd and will seek any recourse with or file any complaints or provide any feedback either to the Insurance Agent or his principal directly.
 

4. Acceptable Use

4.1    We intend for the Insuree Platform to be used for your personal, non-commercial interest only. A natural person or business may access the Insuree Platform to obtain information about insurance products on their own behalf but shall also be bound by these Terms of Use. The use of the Insuree Platform for any other purposes is strictly prohibited.
 
4.2    You also agree:
4.2.1    not to reproduce, duplicate, copy or re-sell any part of the Insuree Platform in contravention of the provisions of these Terms of Use;

4.2.2    not to access without authority, interfere with, damage or disrupt any part of the Insuree Platform or any software used in the provision of the Services on the Insuree Platform.

4.3    All Contributions and Communications with other users of the INSUREE Platform shall conform to the content standards set out in this clause. Contributions and Communications without limitation must not:
4.3.1    contain any material which is defamatory of any person;
4.3.2    contain any material which is obscene, offensive, hateful or inflammatory;
4.3.3    promote sexually explicit material;
4.3.4    promote violence;
4.3.5    promote discrimination based on race, sex, religion, nationality, disability, sexual orientation;
4.3.6    infringe any copyright, database right or trade mark of any other person or entity;
4.3.7    contain any content that is not entirely your own or for which you do not have full rights to use;
4.3.8    be likely to deceive any person;
4.3.9    be threatening, abusive or invade another's privacy, or cause annoyance, inconvenience or needless anxiety;
4.3.10     be likely to harass, upset, embarrass, alarm or annoy any other person;
4.3.11     be used to impersonate any person, or to misrepresent your identity or affiliation with any person; or
4.3.12     give the impression that they emanate from us if this is not the case.

4.4    We reserve the right, but not obligation, to monitor any content you post on the Insuree Platform or as part of a Service. INSUREE Pte Ltd will have the right, without your consent or any prior notice to you, to remove any content that in its sole opinion violates, or may violate any applicable law or these Terms of Use or upon the request of any third party.
 

5. Proper Treatment towards Insuree Pte Ltd Employees, Agents, and Officers

You will not harass, annoy, intimidate, or threaten any INSUREE Pte Ltd employee or agent engaged in providing any portion of the Services to you. If we feel that your behaviour towards any of our employees is at any time threatening or offensive, we reserve the right to deny you any further access to the Insuree Platform and Services provided, as well as to take all such steps as may be available at law against you.
 

6. Reliance on Information Posted

6.1    We provide general information for your comparison purposes. Thus, we do not purport to be a financial, legal, tax or professional advisor. Nothing on the Insuree Platform can be construed as financial, legal or any other professional advice. You agree that you will always check with the relevant professionals, the Insurance Agent or his principal on the suitability, accuracy and full contract terms of the product that you are interested in.
 
6.2    Any information provided by us is to be used at your own discretion and judgment. We strive to provide accurate information and unbiased opinions. However, as insurance premiums/rates are ever-changing, we are unable to guarantee that they are accurate all the time. We are not responsible in any way if any information on the Insuree Platform is found to be inaccurate or contain any errors and/or omissions.
 
6.3    We are unable to provide information on all insurance products provided in Singapore.
 

7. Our Content Changes Periodically


We reserve the right to modify, add, delete or move any information, content, material, and data on the Insuree Platform at any time, without any prior notice to you.
 

8. Information about you and Visits to the Insuree Platform


8.1    We may use cookies and may also process information about you in accordance with our Privacy Policy. By using the Insuree Platform, and accepting these Terms of Use, you consent to such processing and you warrant that all data provided by you is accurate.
8.2    For further information in this aspect, please refer to our Privacy Policy for information at
https://www.insuree.me/privacy-policy on how Insuree collects, uses and discloses information collected and received from you. By contracting with us under these Terms of Use, you also agree to be bound by our said Privacy Policy (as may be supplemented, amended or revised from time to time) or any part thereof.



9. Uploading Material to the Insuree Platform

9.1    Whenever you make use of a feature that allows you to upload material onto the Insuree Platform, or to make contact with other users of the Insuree Platform, you must comply with the content standards set out in Clause 4 of these Terms of Use. You warrant that any such Contribution shall comply with those standards, and that you shall unconditionally indemnify us for any breach of such warranty.
 
9.2    Any Contributions, Communications or material you upload to the Insuree Platform will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such material for any purpose. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to the Insuree Platform constitutes a violation of their intellectual property rights, or of their right to privacy.

9.3    We will not be responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of the Insuree Platform. You also agree that you shall unconditionally indemnify us for any action that may be brought by any third party for any claims whatsoever against us for the content or accuracy of any materials posted by you.

9.4    We have the right to remove any material or posting you make on the Insuree Platform if, in our opinion, such material does not comply with the content standards set out in Clause 4 of these Terms of Use.
 

10. Linking to our site for Insurance Agents


An Insurance Agent or his principal may provide a link(s) to our website or the Insuree Platform as long as it is legal and does not damage our reputation. However, we reserve the right to compel any Insurance Agent or his principal to remove the links if we deem them to be inappropriate in any way, without providing any reasons whatsoever.
 

11. Links from the Insuree Platform


We may provide links to Third Party websites as part of our service to you but it is not an endorsement of any of such Third Party Websites. Third Party websites are governed by their own terms of use and/or privacy policies and thus, we have no control over them. You may access these Third Party Websites at your sole discretion and own risk. We are not liable for any loss you may incur, arising from your access to the Third Party Websites.
 

12. Our Relationship with Insurance Agents and Their Principals


12.1    We merely provide a platform for communication between yourself and Insurance Agents of licensed insurers in Singapore and do not hold ourselves out as, in any way, providing insurance advice or conducting insurance business in Singapore.

12.2    We are not affiliated with any particular insurance provider and do not endorse any particular insurance product.

12.3    We only deal with Insurance Agents of licensed insurers in Singapore who have expressly represented themselves to be fit and proper and whose principals are duly licensed to conduct insurance business in Singapore and who have expressly agreed to use any personal data or information belonging to a Insuree Platform user ("User Data") that we provide strictly for the provision of our Services and in accordance with our Privacy Policy.
 
12.4    Whilst we take the aforesaid precautionary steps in engaging with Insurance Agents of licensed insurers in Singapore, we make no warranties or representations as to the initial or continuing accuracy or correctness of any representations given to us by the Insurance Agents, which you are required to independently verify for yourself.
 
12.5    Save for any actual or threatened breaches of our Privacy Policy by Insurance Agents or their principals, you acknowledge and agree that we have no control over the provision of any insurance advice or the conduct of any insurance business by the Insurance Agents or their principals to or with you and that we will not be held liable in any way for any acts or omissions by the Insurance Agents or their principals in their course of dealings with you.
 
12.6    You agree that in the event of any dispute or other issue arising in the course of your dealings with any Insurance Agents or their principals, you will be required to resolve such matters directly with the Insurance Agent or his principal directly.
 
12.7    In relation to any actual or threatened breach of our Privacy Policy by any Insurance Agent or his principal, of which we are aware, we will take reasonable measures to enforce our Privacy Policy against such person(s) but, save as aforesaid, we will not be liable for any loss or damage that may otherwise accrue to you by reason of any such breach.
 
12.8    We further do not warrant that any Insurance Agent or his principal will be able to satisfactorily respond to and/or have the appropriate insurance-related products to meet your specific requirements and we will not be responsible in any way should such Insurance Agent or his principal fail to satisfactorily respond (or to respond at all) to your inquiries.
 

13. Ownership of Intellectual Property Rights


The content of the Insuree Platform including the text, graphics, and logo is our property and is protected by copyright and/or other proprietary rights. You may download, print, and store any copyright material for your personal use, but you shall not republish, distribute or commercially exploit the contents in any form without first obtaining our express written consent. You may not copy, reverse engineer, decompile, or create derivative works of the contents, or frame the Insuree Platform or any part of it. You may not modify or alter the contents in any way, or change or delete the copyright notice.
 

14. Indemnity


14.1    We are not involved in any transactions between buyers and the sellers of any insurance product(s). Therefore we are not liable for any loss that you may incur in any way that may arise from the transactions of any insurance product(s) that you may end up purchasing as a result of any Client Matching on the Insuree Platform. In this regard, you agree and acknowledge that you shall exercise due caution and judgment when dealing with such transactionsyou're your financial matters generally.
 
14.2    You undertake fully and effectively to indemnify and keep indemnified at all times INSUREE Pte Ltd and its officers, employees, agents or authorised representatives against all actions, proceedings, claims, costs, demands, liabilities and expenses whatsoever (including legal and other fees and disbursements) sustained, incurred or paid by us or INSUREE Pte Ltd directly or indirectly in respect of:
14.2.1    your access to and/or use of the Service;
14.2.2    any information data or material published or transmitted by you;
14.2.3    any breach by you of any of the provisions of these Terms of Use or of any code, law or regulation relating thereto.
 
14.3    You, and your estate in the case of your death, further agree that this indemnification provision covers all third party claims, actions or demands, including those filed by your spouse, partner, children, or any family member or relative. INSUREE Pte Ltd reserves the right to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with INSUREE Pte Ltd in connection therewith.
 

15. Our Liability


15.1    The material displayed on the Insuree Platform is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we hereby expressly exclude all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity; and any liability for any losses or damage incurred by any user in connection with the Services or access to the Insuree Platform and any materials posted on it.

15.2    INSUREE Pte Ltd expressly excludes liability for consequential loss, damage or corruption to other software or data or for loss of profit business revenue or goodwill incurred by any user.
 
15.3    To the maximum extent permitted by law, in no event will INSUREE Pte Ltd be liable for any damages whatsoever, whether direct, indirect, general, special, compensatory, consequential, and/or incidental, arising out of or relating to the conduct of you or anyone else in connection with the use of the services, including, including without limitation, bodily injury, emotional distress, and/or other damages resulting from use of the Insuree Platform.
 

16. Disclaimers


16.1    INSUREE Pte Ltd is not responsible for any incorrect or inaccurate content posted on the Insuree Platform or in connection with the Services, whether caused by users of the platform, or by any of the equipment or programming associated with or utilised in the Services.
 
16.2    INSUREE Pte Ltd is not responsible for the conduct, whether online or offline, of any user of the Insuree Platform.
 
16.3    INSUREE Pte Ltd is not responsible for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorised access to, or alteration of, user or user communications.
 
16.4    We do not guarantee that the Insuree Platform is free of any viruses or anything that may be harmful technologically.
 
16.5    INSUREE Pte Ltd is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or at any website or combination thereof, including injury or damage to users or to any other person's computer related to or resulting from participating or downloading materials in connection with the Insuree Platform and/or in connection with the Services.
 
16.6    Under no circumstances will INSUREE Pte Ltd be responsible for any loss or damage, resulting from anyone's use of the Insuree Platform or the Services, any content posted on the Insuree Platform or transmitted to any Insurance Agent, or any interaction or contact between users of the Insuree Platform whether online or offline.
 
16.7    This site is for informational purposes only. To the maximum extent allowed by law, INSUREE Pte Ltd provides the Insuree Platform and Services on an "as is" and "as available" basis and grants no warranties of any kind, either express, implied, statutory or otherwise with respect to the Services or the Insuree Platform (including all content contained therein) including (without limitation) any implied warranties of satisfactory quality, merchantability, fitness for a particular purpose, expectations of privacy, or non-infringement. INSUREE Pte Ltd does not warrant that the Insuree Platform or Services will be uninterrupted or error-free, secure, or that any defects or errors will be corrected. Any material downloaded or otherwise obtained through the use of the Services or Insuree Platform is accessed at your own discretion and risk, and you will be solely responsible and hereby waive any and all claims and causes of action with respect to any damage to your computer system, internet access, download or display device, or loss or corruption of data that results or may result from the download of any such material. If you do not accept this limitation of liability, you are not authorised to download or obtain any material through the Insuree Platform or any Services.
 

17. Legal Jurisdiction and Dispute Handling


17.1    Your use of the Insuree Platform and any dispute arising out of such use of the same, the relationship between you and us and these Terms of Use are subject to the laws of Singapore without reference to its conflict of laws principles and that the courts of Singapore shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms of Use. However, we retain the right to bring proceedings against you for breach of any of these Terms of Use in your country of residence or any other relevant country

17.2    If you access the Insuree Platform or use the Services from outside Singapore, you waive all rights under the laws and regulations of the territory from which you access or use the Insuree Platform or Services. Regardless of whether you access the Insuree Platform or use the Services from outside Singapore, all disputes shall be resolved in Singapore.

17.3    Any delay to exercise our rights under these Terms of Use does not constitute as a waiver of our rights. All of our rights are expressly reserved.
 

18. Ownership


www.insuree.me is fully owned and operated by INSUREE Pte Ltd, UEN 201700792G. It is a registered company in Singapore.

© Copyright 2020 Insuree Pte Ltd

100 Amoy Street Singapore 069920

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