Terms & Conditions

Please read these terms & conditions before using our site.

Use of Insur-Asia’s Online Platform

These Terms of Service (“Terms”) govern your access to and use of the Online Platform (the “Services”) provided by Insur-Asia Pte Ltd (“Insur-Asia”, “the Company”), a Singapore incorporated company, so please read these Terms carefully before using the Services.

References to “you” in these Terms means you, your duly authorized representatives and any entity you may represent in connection with your use of the Services.  Any reference made in these Terms to “Insur-Asia” shall be deemed to have been made to Insur-Asia Pte Ltd, its successors, assignees,  as well as any company that controls Insur-Asia Pte Ltd, directly or indirectly.

All of the products or services described on the Online Platform are only available in Singapore. We reserve the right to determine eligibility. By accessing or using our Services, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree to these Terms, which incorporates the Privacy Policy by reference please do not access or otherwise use our Services or any information contained herein.

We reserve the right, at our discretion, to modify these Terms from time to time, which modification will be effective upon the posting of the modification to our Online Platform, and will apply to causes of action arising after the effective date of the change. You should continue to check the Online Platform for changes. Your continued use of our Services following the posting of changes to these Terms will mean that you accept those changes. By accessing or using our Services, you confirm that: (i) you can form a binding contract with us; and (ii) you are a duly incorporated company in Singapore. If you are using the Services on behalf of a company, you represent that you are authorized to enter into an agreement on behalf of that legal entity, and are nevertheless individually bound by these Terms even if we have a separate agreement with such company.

The headings and captions used in these Terms are inserted for convenience only and will not affect the meaning or interpretation of these Terms. Do Not Rely on our Online Platform for your insurance decisions. The content on Insur-Asia’s Online Platform is for convenience and information purposes only. Nothing therein should be construed as rendering tax, legal, or insurance advice. The posting of any brochure or any other information is not a recommendation or opinion for you to buy any product or participate in any transaction.

Application License

Subject to these Terms and our policies (including policies made available to you with the Services), we grant you a limited, non-transferable, non-exclusive, and revocable permission to access and use our Services, provided that: (i) You will not copy, distribute or modify any part of the Services without our prior written authorization; (ii) You will not send unsolicited or unauthorized advertisements, spam, chain letters, etc.: (iii) You will not transmit any Content which contains software viruses, or other harmful computer code, files or programs; (iv) You will not disrupt servers or networks connected to the Services; and (v) You comply with these Terms.

Using our Services does not give you ownership of any intellectual property rights in our Services or the Content you access (other than your User Content), which shall remain with us and our respective licensors.

Open Source Software

Certain software code incorporated into or distributed with our Online Platform or otherwise with the Services may be licensed by third parties under various “open-source” or “public-source” software licenses (collectively, the “Open Source Software”). Notwithstanding anything to the contrary in these Terms, the Open Source Software is not licensed under these Terms and instead is separately licensed pursuant to the terms and conditions of their respective open-source software licenses. You agree to comply with the terms and conditions of such open-source software license agreements.

Insur-Asia’s Rights

All rights, titles, and interests in and to Services including worldwide Intellectual Property Rights therein, are and will remain the exclusive property of Insur-Asia and its applicable licensors. We reserve all rights not expressly granted in and to the Services.

Account Information

In order to access the Service, you will have to create an account. You hereby represent and warrant that the information you provide to Insur-Asia upon registration (including information provided through your Linked Accounts, as defined below) (collectively, your “Account Information”), is true, accurate, current, and complete. You also hereby agree that you will ensure that this Account Information is kept accurate and up-to-date at all times.

Privacy and Passwords

Insur-Asia values and protects the privacy of your information. Please review Insur-Asia’s Privacy Policy, as it contains important information relating to your use of our Online Platform and Service.

Some portions of the Online Platform and Service are protected and require a user identification code (“User ID”) and password for access. Unauthorized access or use of such portions of the Online Platform is prohibited. You agree that you will notify Insur-Asia immediately if you believe that a third party has obtained your User ID or password, or if you believe that any unauthorized access or use may occur or has occurred. Notify Insur-Asia via email enquiries@insur-asia.com For your protection, if Insur-Asia believes that any unauthorized access may occur or has occurred, Insur-Asia may terminate your account access without prior notice to you. You also agree that Insur-Asia is permitted to act upon any instructions received using your User ID and password and to consider such instructions as authorized by you.

Linked Accounts and Social Networking Sites

Insur-Asia may, now or in the future, allow you to voluntarily link your account on the Service to your account(s) on third-party services such as Google or Facebook or LinkedIn  (“Linked Accounts”) for the purpose of simplifying the processes of signing up and logging in to your Insur-Asia account. If you choose to link your account on the Service to a Linked Account, you are authorizing Insur-Asia to store and use your first and last name, profile picture and email address and enable a login to your Insur-Asia account by authenticating you with the Linked Account.

User Content

General

The Service may request that you submit content such as text, photos, audiovisual content, and other media content (“User Content”). By providing User Content to Insur-Asia, you are granting Insur-Asia a license to use the User Content in order to make it available through the Service.

License Granted by You to Insur-Asia

By uploading User Content, you are granting Insur-Asia a license to display, perform and distribute your User Content and to modify (for technical purposes), and reproduce such User Content to enable Insur-Asia to operate the Service. You agree that these rights and licenses are royalty free, worldwide, and irrevocable, and include a right for Insur-Asia to make such User Content available to, and pass these rights along to, others with whom Insur-Asia has contractual relationships related to the provision of the Insur-Asia service, solely for the purpose of providing such services, and to otherwise permit access to or disclose your User Content to third parties if Insur-Asia determines such access is necessary to comply with its legal obligations.

Submitted Ideas

When you submit any ideas, suggestions, documents and/or proposals relating to the Service (or other products or services) to Insur-Asia through the Online Platform or through any other channel or mechanism (collectively, “Contributions”), you acknowledge and agree that: (i) your Contributions do not contain confidential or proprietary information; (ii) Insur-Asia is not under any obligation of confidentiality, express or implied, with respect to the Contributions; (iii) Insur-Asia shall be entitled to use or disclose (or choose not to use or disclose) such Contributions for any purpose, in any way; (iv) Insur-Asia may have something similar to the Contributions already under consideration or in development; (v) your Contributions automatically become the property of Insur-Asia without any obligation to you; and (vi) you are not entitled to any accounting, compensation or reimbursement of any kind from Insur-Asia under any circumstances.

Unauthorized Use

Do not misuse our Services. You agree not to use the Service or any aspect or feature thereof for any unlawful purpose or in any way that might harm, damage, or disparage any other party. Without limiting the preceding sentence, you agree that you will: (i) review and comply with these Terms and the Privacy Notice; (ii) comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, export control laws, tax laws, and regulatory requirements; (iii) provide accurate information to us and update it as necessary; and (iv) act honestly and in good faith. By using the Services you agree not to: (i) create an account for anyone other than a company or natural person  (unless you are a company, organization, legal entity or a brand and represent that company, organization, legal entity or brand). (ii) defame, stalk, bully, abuse, threaten, harass, intimidate, harm another person or engage in any other predatory behavior, including sending unwelcomed communications to others or engage in any other predatory behavior, or incite others to commit violent acts;(iii) use or attempt to use another’s account or create a false identity; (iv) duplicate, license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, or otherwise transfer information found in the Services, except as permitted in these Terms, or as expressly authorized by us; (v) reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for any underlying intellectual property used to provide the Services, or any part thereof; (vi) utilize or copy information, content or any data you view on or obtain from the Services to provide any service that is competitive, in our sole discretion, with the Services; (vii) adapt, modify or create derivative works based on the Services or technology underlying the Services, in whole or part; (viii) rent, lease, loan, trade, sell/resell any information in the Services, in whole or part; (ix) use the communication systems provided by the Services for any commercial solicitation purposes; (x) sell, sponsor, or otherwise monetize any service or functionality in the Services, without our express written consent; (xi) remove any copyright, trademark or other proprietary rights notices contained in or on the Services (whether ours or our licensors’); (xii) remove, cover or otherwise obscure any form of advertisement included on the Services; (xiii) collect, harvest, use, copy, or transfer any information, including, but not limited to, personally identifiable information obtained from the Services (excluding your User Content, and except if the owner of such information has expressly permitted the same); (xiv) share other users’ or third party’s information or their User Content without their express consent; (xv) infringe or use our brand, logos or trademarks in any business name, email, or URL except as expressly permitted by us; (xvi) use or launch any manual or automated  system or software, devices, scripts robots, other means or processes to access, “scrape,” “crawl,” “cache,” “spider” or any web page or other service contained in our Services, or to access the Services in a manner that sends more request messages to our servers in a given period of time than a human can reasonably produce in the same period by using a conventional on-line web browser; (xvii) use bots or other automated methods to access the Services, add or download contacts, send or redirect messages, or perform other similar activities through the Services; (xviii) access, via automated or manual means or processes, the Services for purposes of monitoring its availability, performance or functionality for any competitive purpose; (xix) engage in “framing,” “mirroring,” or otherwise simulating the appearance or function of the Online Platform; (xx) attempt to or actually access the Services by any means other than through the interfaces provided by us. This prohibition includes accessing or attempting to access the Services using any third-party service, including software-as-a-service platforms that aggregate access to multiple services; (xxi) engage in any action that directly or indirectly interferes with the proper working of or places an unreasonable load on the Services’ infrastructure, including, but not limited to, sending unsolicited communications to other users or our personnel, attempting to gain unauthorized access to the Services, or transmitting or activating computer viruses, Trojan horses, worms, time bombs or any other harmful or deleterious software programs through or on the Services; and/or (xxii) Interfere or disrupt or game the Services, including, but not limited to any servers or networks connected to the Services, or the underlying software.

Electronic Transmissions

By accepting the receipt of Electronic Transmissions, you voluntarily agree to have all records, including your current and future insurance related documents, provided to you in electronic form. Insurance related documents include, but are not limited to:

  • Your insurance policy and all documents, notices and correspondence related to your insurance policy. This could include ID Cards, applications, amendments, endorsements, illustrations, questionnaires, disclosures, and reports;
  • Bills, billing notices, payment schedules or any other correspondence related to premium payments;
  • Claim notices, disclosures, status letters, forms, and correspondence concerning a claim that arises under your policy or involves you as an insured and/or claimant;
  • Legally mandated policies, notices, and disclosures to inform you of our business practices, including notices related to our collection, storage, use, and disclosure of your personal information; and
  • Any other documents related to your insurance transactions with us.

We will use various methods to provide communications to you electronically, including via e-mail or through our Online Platform. For this second option, you may need to log-in to access the information.

Internet Communication and Internet Delays
There cannot be a guarantee that messages or other forms of communication sent over the internet will be fully secure. The Company will not be held responsible for any damages incurred by users if they send a message to us, or if we send a message to them upon their request, over the Internet. We are not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of this website.

The service, the application and/or the software may be subject to delays, limitations, and other issues inherent in the use of the internet and electronic communications,
including the device used by you, or the electronic equipment used by our business partners being faulty, not connected, out of range, switched off or not functioning. The company is not responsible for any delays, delivery failures, damages or losses resulting from such issues.

Information Submission
All information submitted to us via our Service and this Website shall be deemed and remain our property and we shall be free to use, for any purposes, any ideas, concepts, know-how or techniques contained in information provided by a visitor to us through this website. We shall not be subject to any obligations of confidentiality regarding submitted information except as agreed with us having the direct customer relationship or as otherwise specifically agreed or required by law.

No Legal Advice
Any information you receive on this Website does not constitute a recommendation, advice, or complete description of any insurance products, Services, or plan. Different insurance companies provide coverage, and your coverage is subjected to the terms and conditions found in your insurance policy. The availability of coverage for your policy will be dependent on your policy wording, the material facts of claims you submit, and the law of the jurisdiction that oversees the interpretation of your policy. You must not rely on the information provided on this Website as an alternative to seeking counsel from a lawyer, nor should you delay seeking counsel, disregard counsel, or initiate or discontinue any legal action based on the Services or this Website.

Discounts
If you submit an application via this Website’s “Upload Insurance” option, the 10% discount is only applicable if your company’s risk profile has not materially changed from the original binding date of the policy you uploaded. 

No Provision of Underwriting Service
Insurance companies decide to offer, renew, cancel or non-renew insurance coverage or otherwise provide customers with the requested insurance products. Insur-Asia Pte Ltd does not provide any underwriting services and is not responsible or liable for any resulting loss.

Applications Do Not Bind Insurance
If you submit an application for insurance through this Website, it does not constitute a binder of insurance coverage. However, it may used by Provide to offer estimates of costs of coverage, terms, and conditions. A quotation may be subject to receipt of additional information or other conditions.

Policy Summaries
The coverage, exclusion, endorsement, and other summaries offered by Provide are for general informational purposes only. They are not intended to provide legal advice, and should be treated as such. Provide uses its best efforts to prepare the policy summaries, FAQ answers, and product informationals, but does not guarantee their accuracy. You should check your policy wording to confirm the exact terms of your coverage.  

No Modification of Insurance Coverage
Unless expressly stated in writing, nothing contained on this Website or offered to you by Provide shall constitute, or be construed, as modifying, changing, or altering your policy or coverage thereafter.

Access Outside Singapore
If you access the Company’s services from outside Singapore, you are responsible for compliance with foreign and local laws.

No Guarantee of Service
The Company may terminate, suspend, change, or restrict access to all or any part of the Service, in each case without notice or liability. The Company also reserves the right to limit the availability of the Service or the provision of any Content to any person, organisation geographic area, or jurisdiction at any time and in the Company’s own discretion.

Third Parties’ Links, Websites, and Services
The Services may contain links to third-party websites, advertisers, services, special offers, or other events or activities that are not owned or controlled by us. We are not affiliated with those websites, do not endorse them, have no control over those websites, and assume no responsibility and/or liability for the content, privacy policies, or practices of any third-party websites. In addition, we will not and cannot censor or edit the content of any third-party site.

If you access any third party’s website, service, or content from our Services, you do so at your own risk. By using the Services, you expressly release us (and our owners, employees, agents, affiliates, and/or licensors) from any and all liability arising from your use of any third-party website, information, materials, products, or services. Accordingly, we encourage you to be aware when you have left the Online Platform and to read the terms and conditions and privacy policy of every website that you visit.

Disclosure

We reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to: (i) satisfy any applicable law, regulation, legal process, subpoena or governmental request; (ii) enforce these Terms, including investigation of potential violations of it; (iii) detect, prevent, or otherwise address fraud, security or technical issues; (iv) cooperate with law enforcement authorities; (v) respond to user support requests; or (vi) protect our, our users’ or the public’s rights, property or safety.

Indemnification

By agreeing to the Terms of Use upon using the Service, you agree that you shall defend, indemnify and hold the Company, its licensors and each such party’s parent organizations, subsidiaries, affiliates, officers, directors, members, employees, attorneys and agents harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys’ fees and costs and/or regulatory action) arising out of or in connection with: (a) your use of the Service, the Software and/or the Application in your dealings with the third party transportation providers, third party merchants, providers, partners, advertisers and/or sponsors, or (b) your violation or breach of any of the Terms of Use or any applicable law or regulation, whether or not referenced herein, or (c) your violation of any rights of any third party, including third party transportation providers arranged via the Service, or (d) your use or misuse of the Service, the Software and/or the Application.

Assignment

Insur-Asia reserves the right, in its sole and absolute discretion, to transfer, assign, sublicense or pledge in any manner whatsoever, any of its rights and obligations under these Terms to a subsidiary, affiliate, successor thereof or to any third party whatsoever, without notifying you or receiving your consent. You shall not transfer, assign, delegate, sublicense nor pledge in any manner whatsoever, any of your rights or obligations under these Terms.

Indemnity

You agree to defend, indemnify and hold harmless us, our affiliates, and our and their respective owners, officers, directors, employees, agents, and/or licensors, from and against any and all claims, damages, obligations, losses, liabilities, costs and expenses (including but not limited to attorney’s fees) arising from: (i) your use of the Services; (ii) your violation of these Terms; (iii) your violation of any third-party right, including without limitation any copyright, property, publicity or privacy right; including all actions taken under your account. This defense, hold harmless and indemnification obligation will survive any termination of these Terms and your use of the Services.

General

This Agreement shall be governed by Singapore law, without regard to the choice or conflicts of law provisions of any jurisdiction, and any disputes, actions, claims or causes of action arising out of or in connection with the Terms of Use or the Service shall be referred to the Singapore International Arbitration Centre (“SIAC”), in accordance with the Rules of the SIAC as modified or amended from time to time (the “Rules”) by a sole arbitrator appointed by the mutual agreement of you and the Company (the “Arbitrator”). If you and the Company are unable to agree on an arbitrator, the Arbitrator shall be appointed by the President of SIAC in accordance with the Rules.

The seat and venue of the arbitration shall be Singapore, in the English language and the fees of the Arbitrator shall be borne equally by you and the Company, provided that the Arbitrator may require that such fees be borne in such other manner as the Arbitrator determines is required in order for this arbitration clause to be enforceable under applicable law.

No joint venture, partnership, employment, or agency relationship exists between you, the Company or any third party provider as a result of the Terms of Use or use of the Service.

If any provision of the Terms of Use is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law. This shall, without limitation, also apply to the applicable law and jurisdiction as stipulated above.

The failure of the Company to enforce any right or provision in the Terms of Use shall not constitute a waiver of such right or provision unless acknowledged and agreed to by the Company in writing.

The Terms of Use comprises the entire agreement between you and the Company and supersedes all prior or contemporaneous negotiations or discussions, whether written or oral (if any) between the parties regarding the subject matter contained herein.

You hereby agree that the Company is entitled to terminate this Agreement immediately in the event that you are found to be in breach of any of the terms stipulated in this Agreement. For the avoidance of doubt, the termination of this Agreement shall not require the Company to compensate, reimburse or cover any cost incurred by you in the course of you acquiring services from the third party transportation provider under this Agreement