Terms of Service
Last updated: March 16, 2026
Acceptance of Terms
These Terms of Service govern your use of ProtectWise Malaysia and its services. By accessing, browsing, or using our website, you acknowledge that you have read, understood, and agree to be bound by these terms. If you do not agree with any part of these terms, please discontinue use of our services immediately. We reserve the right to modify these terms at any time without prior notice. Your continued use of our website following any modifications constitutes your acceptance of the updated terms. We encourage you to review these terms periodically to stay informed of any changes. These terms apply to all users, including but not limited to browsers, vendors, customers, merchants, and content contributors. If you are using our services on behalf of a business or organization, you represent and warrant that you have the authority to bind such entity to these terms.
User Obligations and Conduct
By using our website, you agree to comply with all applicable laws and regulations. You must not engage in any conduct that could harm, disrupt, or interfere with the normal operation of our services or the experience of other users. We prohibit unlawful activities, including but not limited to unauthorized access, data theft, harassment, fraud, or distribution of malicious content. You are responsible for maintaining the confidentiality of any account credentials and for all activities conducted through your account. You must not impersonate others or misrepresent your identity or affiliation. You agree not to reproduce, duplicate, copy, or sell any portion of our website without explicit written permission. We expect all users to interact respectfully and professionally. Violation of these obligations may result in suspension or termination of your access to our services. We reserve the right to investigate any suspected violations and cooperate with law enforcement authorities when necessary.
Intellectual Property Rights
All content on our website, including text, graphics, logos, images, videos, and interactive features, is the exclusive property of our organization or its content suppliers. This content is protected by international copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to view and download content for personal, non-commercial use only. You may not reproduce, distribute, modify, adapt, translate, or create derivative works based on our content without our prior written consent. Any unauthorized use of our intellectual property violates applicable laws and may result in civil and criminal penalties. We actively monitor and enforce our intellectual property rights. If you believe your intellectual property rights have been infringed, please notify us through appropriate channels. Third-party content on our website remains the property of its respective owners, and we do not claim ownership over such material.
Limitation of Liability
Our website and services are provided on an “as-is” and “as-available” basis without warranties of any kind. We disclaim all express and implied warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that our services will be uninterrupted, error-free, or free from viruses or harmful components. To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. This limitation applies regardless of the cause of action, whether based on warranty, contract, tort, or any other legal theory. Your sole remedy for dissatisfaction with our services is to discontinue use. We are not responsible for third-party content, links, or services accessible through our website. Insurance products and financial information provided are for educational purposes only and do not constitute professional advice. You should consult with qualified professionals before making financial decisions.
Termination of Access
We reserve the right to terminate or suspend your access to our website and services at any time, with or without cause, and without prior notice. Grounds for termination may include violation of these terms, illegal activity, abuse of services, or any conduct we deem harmful or inappropriate. Upon termination, all rights granted to you are immediately revoked, and you must cease all use of our services. Termination does not affect your obligations under these terms, including payment for services rendered prior to termination. We are not liable for any damages resulting from termination of access. You may also request termination of your account by contacting us through appropriate channels. Upon account termination, we will handle your personal information in accordance with our privacy policies. Certain provisions of these terms, including limitations of liability and intellectual property rights, survive termination indefinitely. Termination does not limit our right to pursue legal remedies for breach of these terms or any other applicable laws.
General Provisions
These terms constitute the entire agreement between you and us regarding your use of our website and services. If any provision is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision does not constitute a waiver of that right or provision. You agree that these terms shall be governed by and construed in accordance with applicable Malaysian law. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts in Malaysia. We may assign our rights and obligations under these terms to any third party at our discretion. You may not assign these terms without our written consent. These terms shall be binding upon and inure to the benefit of both parties and their respective successors and permitted assigns. If you have questions about these terms or our services, we encourage you to reach out through appropriate communication channels for clarification and assistance.