In this Agreement, "You" and "Your" means any one accessing our website. "We", "Us" and "Our" means Tokio Marine Insurans (Malaysia) Berhad. & Tokio Marine Life Insurance Malaysia Bhd., including its successors and assigns.

It is agreed that copyright in the pages and in the screens displaying the pages, and in the information and materials and in their arrangement, is owned by us unless otherwise indicated.

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 us 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 our 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 also be linked to other websites which are owned and maintained by third parties and as such are not under our control. Therefore, we do 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 from us, 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, we 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 we 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 personnel 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 we or our authorized representative has advised you of the possibility of such damages, losses, expenses or costs.

We also assume no responsibility, and shall not be liable for, any damages to, costs to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing  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 your data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

USER ID AND PASSWORD (WHERE APPLICABLE)
You shall follow the guidelines provided by us in designating the user identification code (the "User ID") and the password (the "Password") for identifying you for the purposes of servicing you.

You shall act in good faith, exercise reasonable care and diligence in keeping Your User ID and the Password in secrecy. At no time and under no circumstances shall you disclose Your User ID and/or Password to any other person/party.

You shall be fully responsible for any accidental or unauthorised disclosure of Your User ID and/or the Password to any person/party and shall bear the risks of Your User ID and/or the Password being used by unauthorised persons/parties or for unauthorised purposes. This responsibility and bearing of risks remains until we receive your written notification to suspend or reassign a new User ID and/or Password to you.

INDEMNIFICATION 
User agrees to indemnify and hold us 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 us are 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 us.

APPLICABLE LAW 
These conditions shall be governed by and construed in accordance with the laws of Malaysia. We and the user 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 
We 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 website 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.

The pages under this website are subject to your acceptance of these terms and conditions. These will form the complete and only legal relationship between you and us. You further accept that these terms may be varied without prior notice. Please check this page regularly.