Please carefully read this agreement (“Agreement”) before accessing or using this Internet Website (“Web Site”). The Website is strictly for the use of individuals or businesses, partners and associates related to our product platform, Jade. When you access or use this Web Site (inclusive of the Mobile site and Application), you are agreeing to be bound by this Agreement, including the liability disclaimers contained below. If you do not agree to the terms contained herein, do not use this Web Site or download any information from it. Materials on this Web Site may be accessed, downloaded, and printed only for personal and non-commercial use.

By using this Web Site, you agree that you will not use any materials or information found on this Web Site for any purpose that is unlawful or prohibited by this Agreement, including, but not limited to, the use of this Web Site from locations outside of Malaysia, if you are under 16 years of age or are a legal minor without parental/legal guardian consent. Your permission to use the Web Site is automatically terminated if you violate any of the terms contained in this Agreement.

The contents of this site are owned by JA Assure Pte Ltd. and are protected by the laws of Singapore, its treaty countries, and other jurisdictions. All rights are reserved, and no reproduction, distribution, or transmission of the copyrighted materials on this Web Site is permitted without the written permission JA Assure Pte Ltd. All trademarks, logos, and service marks are the property of JA Assure Pte Ltd.

You hereby understand and agree that by using this Web Site, you automatically and without any further action have established a business relationship between you and JA Assure Sdn. Bhd. As a result, you agree to allow JA Assure Sdn. Bhd. to contact you about its business via telephone, e-mail, and/or standard mail using the contact information you have provided.

This company strives to make sure that the information on its website is accurate, but inaccuracies or errors can occur. You use this website at your own risk. JA Assure Sdn. Bhd. reserves the right to change or modify the content of its website at any time with or without notice. Your continued use of this website constitutes your acceptance of such modified terms.

This website and all the information contained therein are provided “as is.” JA Assure Sdn. Bhd. disclaims all warranties of any kind, whether express or implied, as to anything whatsoever relating to this website and any information provided herein, including without limitation the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

JA Assure Sdn. Bhd. is not liable for any direct, indirect, special, punitive, incidental, or consequential damages caused by the use of this website and/or the content located thereon, whether resulting in whole or in part, from breach of contract, tortious conduct, negligence, strict liability, or any other cause of action. Because some jurisdictions do not allow the exclusion of implied warranties, the above exclusion may not apply to you.

You agree to indemnify and hold JA Assure Sdn. Bhd. and its Insurer harmless from and against any and all loss, cost, damage, or expense including, but not limited to, reasonable attorneys’ fees incurred by JA Assure Sdn. Bhd. arising out of any action at law or other proceeding necessary to enforce any of the terms, covenants, or conditions of the Agreement or due to your breach of this Agreement.

This Agreement shall be governed by the laws of Malaysia. You hereby consent and voluntarily submit to personal jurisdiction in Malaysia, in and by the courts of Malaysia, in any action in which a claim is brought with respect to this Agreement, and you agree that you may be served with process in any such action by hand delivery, courier, overnight delivery service, or certified or registered mail, return receipt requested. You irrevocably and unconditionally waive and agree not to plead, to the fullest extent permitted by law, any objection that you may now or hereafter have to the laying of venue or the convenience of the forum of any action or claim with respect to this Agreement brought in Malaysia.

Our website does not provide you with any personal, financial, investment, or any advice of any kind. Our website and the information it contains do not take into account your particular financial or insurance position or requirements, and you should always obtain professional advice before acting upon any of the information contained on our website or other links contained on our website.

To the extent permitted by law, you will receive all of your insurance documents electronically. There may be some insurance documents that we cannot deliver electronically due to legal and technological constraints. These will be posted to you.

On our website, you can make certain transactions online. This may include purchasing a policy. These transactions will not be final until we receive and process your confirmation. Your confirmation means any communication issued or transmitted by you to us via our website or other electronic means and which contains your acceptance in relation to our offer and/or your confirmation of payment, whichever applies.

It is your responsibility to inform us of any changes to your email address. It is also your responsibility to keep your email account active and capable of receiving new emails. We are not responsible for emails sent to an inactive or outdated email account, unless we are solely negligent.

Your confirmation of payment may not be received by us for reasons including mechanical, software, computer, telecommunications, or electronic failure, or the omission or failure of other providers or systems which are outside the control of either of us. You acknowledge that to the extent permitted by law, we are not liable to you in any way for loss or damage, however caused, directly or indirectly, in connection with the transmission or submission of an electronic instruction through our website or any failure to receive an electronic instruction for any reason.

Payment processing is undertaken by our payment processing partners. In addition to this and other subset policies that govern the site, you hereby agree to respective terms and conditions as stated on our partners’ platform(s). All payments for any insurance products, renewals, or other services purchased via our payment gateway service providers must be paid in full by the due date specified in the relevant confirmation.

Unless otherwise provided for, all payments are required to be made by you using a type of credit card or other payment method accepted by us at the time of purchase or renewal of the applicable insurance policy or service. You must, therefore, provide to us through the payment gateway site the details of your current and valid Credit/Debit card, including but not limited to:

• Credit/Debit card type
• Name on Credit/Debit card
• Address
• Credit/Debit card number
• Expiry date
• Credit/Debit card security code (CVV)

You should not send us sensitive financial information like your Credit/Debit card number by email.

For any cancellation of insurance policies you may request, JA Assure Sdn. Bhd. will charge and withhold 10% of the premium collected as administrative charges (plus any other transaction costs). Upon the cancellation of your policies, we will initiate a refund (net of administrative charges and transaction costs) to your credit card (or original method of payment). You will receive the credit within a certain amount of days, depending on your card issuer’s policies.

This Agreement embodies the entire agreement between the parties and may not be amended, modified, altered, or changed in any respect whatsoever except by a writing duly executed by the parties hereto. This Agreement supersedes any and all prior and contemporaneous oral or written agreements or understandings between you and JA Assure Sdn. Bhd. No representation, promise, inducement, or statement of intention has been made by you and JA Assure Sdn. Bhd. that is not embodied in this Agreement. You and JA Assure Sdn. Bhd. shall not be bound by, or liable for, any alleged representation, promise, inducement, or statement of intention not contained in this Agreement.

You will not use this website or any data or services provided through the website for, or to encourage, any unlawful purpose; nor post or transmit on the website inaccurate, incomplete, or false information; nor will you post or transmit on the website any libelous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material. You confirm that you will not post or transmit on the website any material which contains any virus or other disabling devices which interfere or may interfere with the operation of the website; or which alters or deletes any information which you have no authority to alter or delete; or which overloads the website by spamming or flooding it. You will not use any device, routine, or software to crash, delay, or otherwise damage the operation of this website. You will not use the website in a manner that could damage, disable, or impair the services or content being provided by JA Assure. You must not attempt to gain unlawful or unauthorized access to the website, other resource materials, computer systems, or networks connected to any server associated with the website through hacking, password mining, or any other improper or illegal means.

A printed version of this Agreement shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You agree that each provision of this Agreement shall be construed independent of any other provision of this Agreement. The invalidity or unenforceability of any particular provision of this Agreement shall not affect the other provisions hereof. In the event any provision of this Agreement is deemed unenforceable, including, but not limited to, the liability disclaimers above, the unenforceable provision shall be replaced with an enforceable provision that most closely reflects the intent go original provision.