Terms of Service

These Terms of Service govern your use of ProtectWise Malaysia and its services. By accessing and using our website, you agree to be bound by these terms and all applicable laws and regulations. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any changes.

Acceptance of Terms

By accessing our website and using the educational resources, tools, and information provided, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must discontinue use of our services immediately. We provide comprehensive information on insurance literacy, takaful participation fundamentals, life insurance, general insurance distinctions, medical card coverage understanding, and BNM regulatory framework basics.

Your access to our services is conditional upon your compliance with all applicable laws and regulations. We are not responsible for any consequences that arise from your failure to comply with these terms. By using our website, you represent that you are at least 18 years of age and have the legal capacity to enter into a binding agreement.

User Obligations and Responsibilities

When using our services, you agree not to engage in any unlawful activities or behavior that violates these terms. You are responsible for maintaining the confidentiality of any account information and for all activities that occur under your account. We expect users to use our educational resources responsibly and in accordance with applicable Malaysian financial regulations and guidelines established by Bank Negara Malaysia.

You agree not to reproduce, distribute, modify, or create derivative works from our content without explicit written permission. This includes all educational materials regarding insurance literacy, takaful awareness programs, life insurance comparisons, and regulatory framework information. Any attempt to bypass our security measures or access restricted areas is strictly prohibited and may result in legal action.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, audio clips, and software, is the exclusive property of our organization or our content suppliers and is protected by international copyright laws. We grant you a limited, non-exclusive, non-transferable license to access and use our educational materials for personal, non-commercial purposes only. This includes our insurance literacy guides, takaful participation resources, medical card coverage information, and BNM regulatory framework materials.

You may not sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, or otherwise use any content from our website without our prior written consent. Our trademarks, service marks, and logos are owned by us or our licensors, and you may not use them without our express permission. Unauthorized use of our intellectual property may result in civil and criminal penalties under Malaysian law.

Limitation of Liability

Our website and services are provided on an “as-is” and “as-available” basis without warranties of any kind, either express or implied. We do not guarantee the accuracy, completeness, or reliability of any information provided on our website regarding insurance literacy, takaful programs, life insurance distinctions, general insurance coverage, or medical card understanding. While we strive to provide accurate educational content aligned with BNM guidelines, we make no representations about the suitability of this information for your specific circumstances.

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use or inability to use our services, even if we have been advised of the possibility of such damages. Your sole remedy for dissatisfaction with our services is to discontinue using them. We encourage you to consult with qualified financial advisors for personalized guidance regarding insurance decisions and regulatory compliance.

Termination of Services

We reserve the right to terminate or suspend your access to our website and services at any time, with or without cause, and with or without notice. Grounds for termination may include, but are not limited to, violations of these terms, unlawful conduct, or misuse of our educational resources. Upon termination, your right to use our services ceases immediately, and you must destroy all copies of any content you have downloaded.

In the event of termination, we are not liable for any loss or damage that may result from the suspension or termination of your access. These terms survive any termination or expiration of your use of our website. We may also discontinue offering specific educational resources, tools, or features related to insurance literacy, takaful awareness, life insurance information, or BNM regulatory framework guidance at our sole discretion without prior notice to users.

Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law principles. Any legal action or proceeding arising out of or relating to these terms shall be subject to the exclusive jurisdiction of the courts located in Malaysia. By using our website, you consent to the jurisdiction and venue of these courts and waive any objection to the venue or inconvenience of the forum.

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. We may assign our rights and obligations under these terms to any third party without your consent, but you may not assign your rights or obligations without our written permission. The failure to enforce any right or provision shall not constitute a waiver of such right or provision.

Changes to Terms

We may update or modify these Terms of Service at any time by posting the revised version on our website. We will notify users of significant changes by updating the “Last Updated” date at the top of this page. Your continued use of our services following the posting of revised terms means that you accept and agree to the changes. It is your responsibility to review these terms periodically to stay informed of any updates. We recommend checking back regularly for changes, especially when accessing our insurance literacy resources, takaful information, life insurance guides, or BNM regulatory framework materials.