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CONDITIONS OF USE
By using or accessing this website and the services available therein ("Service"), you expressly acknowledge your assent to the following terms and conditions of usage without any limitation or qualification whatsoever. Accordingly you are urged to read and understand these terms and conditions carefully prior to using this website and the Service. As these terms and conditions may be amended or revised at any time and as deemed solely by TMIM without any prior notice to you, you are hereby notified that you shall be bound by any such amendments, revisions or up-dates and you are therefore advised to periodically visit this page to review the applicable terms and conditions to which you are bound to.
PRIVACY POLICY
Our Privacy Statement describes our use and protection of nonpublic personal information ("customer information") and will help you understand how we treat the customer information that we obtain from you or other sources in the course of providing you with products and services. We urge you to read our Privacy Statement.
LINKS
Links from this Site to other websites are meant for your own information and convenience only. Such websites may be linked to other websites which are owned and maintained by third parties and as such are not under the control of TMIM. Therefore, TMIM does not assume any responsibility or liability with respect to any of those websites (or any website linking into this Site) in any way whatsoever (including its content and operation).
Without the express written consent of TMIM , no person, company and no website may make a link to this Site, whether to its homepage or to any internal page.
LIMITATION OF LIABILITY
Whilst every reasonable effort is made to include accurate and up to date information on this website, errors or omissions may sometimes occur. As a result, TMIM makes no warranties or representations as to the accuracy of this website and under no circumstances, including, but not limited to, negligence or willful default, shall TMIM or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential or indirect loss, damage, expense and costs whatsoever or howsoever arising and suffered by you or any of your personal as a result of your reliance or use thereof, or the inability to use by any party the materials on this website or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, or line or system failure, even if TMIM or its authorized representative has advised you of the possibility of such damages, losses, expenses or costs.
TMIM also assumes no responsibility, and shall not be liable for, any damages, costs to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.
INDEMNIFICATION
User agrees to indemnify and hold TMIM harmless from any claim or demand, including solicitors' fees, on a solicitor-client basis, made by any third party due to or arising out of the User's use of the Service and/or, the violation of this Agreement by the User, or the infringement by the User of any intellectual property or other right of any person or entity.
PROPRIETARY RIGHTS TO CONTENT
The User acknowledges that contents, including but not limited to text, software, music, sound, photographs, video, graphics and/or other material contained in either electronic facility-distributed or commercially produced information presented herein to the User ('Content') by TMIM is protected by copyright, trademarks, service marks, patents or other proprietary rights and laws; therefore, the User is only permitted to use this Content to the extent as expressly authorized by the website and the Service. The User may not copy, reproduce, distribute, or create derivative works from the Content without expressly being authorized to do so by TMIM .
APPLICABLE LAW
These conditions shall be governed by and construed in accordance with the laws of Malaysia. The User and TMIM irrevocably and unconditionally agree to submit to the exclusive jurisdiction of the courts of Malaysia. If any provision of these disclaimers and exclusions shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.
FORCE MAJEURE
TMIM shall not be liable to users for any breach of these conditions of use or any failure to provide or delay in providing our services through our site resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire explosion, or accident or natural disasters.
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DISCLAIMER NOTICE: Tokio Marine Insurans (Malaysia) Berhad, make no representations as to the accuracy or completeness of any information contained in their websites and accept no liability for any loss arising directly or indirectly from the use of or reliance on any such information.
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