Please take a moment to read these terms and conditions carefully.
THE FOLLOWING TERMS AND CONDITIONS APPLY TO YOUR ACCESS AND THE USE OF THIS WEBSITE AND THE SERVICES PROVIDED HEREIN BY ZURICH TAKAFUL MALAYSIA BERHAD (HEREINAFTER REFERRED TO AS “ZURICH TAKAFUL”). BY ACCESSING ANY PAGE OF THIS WEBSITE AND/OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS WITHOUT LIMITATION OR QUALIFICATION.
All products and services of Zurich Takaful herein provided are subject to the terms and conditions of the applicable agreements governing their use. 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. In the event of conflict between these terms and conditions and the terms and conditions governing the relevant transaction(s), product(s) and/or service(s) provided herein, the latter will prevail.
The information, material, functions and content provided in the pages of the website may be changed from time to time with or without notice at Zurich Takaful's absolute discretion. Your continued access or use of the website and/or the services provided herein subsequent to any such change will be deemed as your acceptance to those changes.
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 Zurich Takaful 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.
Zurich Takaful does not make any express or implied warranties, representations or endorsements including but not limited to any warranties of title, non-infringement, merchantability, usefulness, operation, completeness, currentness, 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 Zurich Takaful, reasonable measures will be taken by Zurich Takaful to ensure the accuracy and validity of all information relating to transactions and products of Zurich Takaful which originate exclusively from Zurich Takaful.
Further, Zurich Takaful does not warrant or represent that access to the whole or part(s) of this website, the materials, information and/or functions contained therein will be provided uninterrupted or free from errors or that any identified defect will be corrected, 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.
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, currentness 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.
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 Zurich Takaful, 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 Zurich Takaful.
You also may not, without Zurich Takaful's expressed 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 unauthorised reproduction, retransmission or other copying or modification of any of the contents of Zurich Takaful's website may be in breach of statutory or common law rights which could be the subject of legal action.
Zurich Takaful disclaims all liability which may arise from any unauthorised reproduction or use of the contents of this website.
All trademarks, service marks, and logos displayed in this website are the property of Zurich Takaful and/or their respective third party proprietors as identified in the website.
Unless the prior written consent of Zurich Takaful 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 Zurich Takaful or the relevant proprietor has been obtained, no such trademark, service mark or logo may be used as a link or to mark any link to Zurich Takaful's website or any other site.
Exclusion of Liability
Zurich Takaful 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 Zurich Takaful's website), reliance on the information contained in the website, any technical, hardware or software failure of any kind, the interruption, error, omission, delay in operation, computer viruses, or otherwise.
This exclusion clause shall take effect to the fullest extent permitted by law.
You hereby irrevocably agree to indemnify and keep indemnified Zurich Takaful from all liabilities, claims, losses and expenses, including any legal fees that may be incurred by Zurich Takaful 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 Zurich Takaful in connection with your use of this website.
Zurich Takaful 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. In particular, and without limitation, Zurich Takaful may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of Zurich Takaful, of any other user, or of any third party.
Personal Data Protection / Use
Our data Certificate
As a result of your interaction with Zurich Takaful’s website, Zurich Takaful may hold and process personal information obtained about you when you access our website and use it for servicing our relationship or potential relationship with you and identify products and services which are relevant to you from within Zurich Takaful, and to evaluate the effectiveness of our marketing of this website and for statistical analysis. We will not disclose any such information outside of Zurich Takaful except upon obtaining consent from you for such disclosure, where it is required/obliged by law, regulation or any other directive or order by any authority having jurisdiction over us, where it is to give effect to an instruction given by you, to provide you with the service herein, to enforce and protect our rights and property or any provisions of the Conditions of Access, or, where necessary and under requirement of strict secrecy, to sub-contractors or persons acting as our agents. Please see our Privacy Certificate on further information on how we safeguard your personal information.
If any part of these terms and conditions is determined to be invalid or unenforceable pursuant to any law which is applicable to Zurich Takaful, then the invalid and enforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision, without invalidating any other provisions of the terms and conditions herein.
The failure of Zurich Takaful 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.
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 Zurich Takaful, you hereby consent to the exclusive jurisdiction of the Malaysian courts in Malaysia in all disputes arising out of or relating to the use of this website.
Zurich Takaful 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.