Terms of Use

Introduction

Welcome to MSIG Online – Instant Protection from MSIG'('Site'). This Site is owned and operated by MSIG Insurance (Malaysia) Bhd Registration No. 197901002705 (46983-W).

Please read this information carefully. By accessing the Site, viewing any content or using any services available on the Site, you are agreeing to be bound by these terms and conditions ('Terms of Use'). If you disagree, you should not proceed any further.

Description of Service

‘MSIG Online is an online insurance services provided by MSIG. In this Site, you may purchase specific insurance products online in just a few simple clicks ('Services'). Prior to making any purchase, please read the Product Disclosure Sheet and terms and conditions for your selected insurance product carefully. You may also submit claims online for the insurance products you have purchased via this Site.

Insurance Products

It is important that you read and understand the terms and conditions of the insurance products carefully prior to purchasing. We know that this may be a daunting task - insurance jargons, policy wordings etc are not exactly easy to understand. Whilst we have made things easier for you to digest in the FAQs, we strongly encourage you to find out more about the basics of insurance. You may access http://www.insuranceinfo.com.my for starter.

Customer Service Charter

Your confidence in our insurance Products and Services are very important to us. We also place great importance in ensuring that claims are paid fairly and promptly. To find out more on our claims processes, our commitment to enquiries and complaints and our core values, please visit our Customer Service Charter at http://www.msig.com.my/about/customer-service-charter/.

Use of Services

The Services is available to individuals who are (a) 18 years of age and over; (b) Malaysians, Permanent Residents, Non Residents, Work Permit/Employment Pass Holders or otherwise legally employed persons in Malaysia and their Dependents. You shall not use the Services or submit to us anything which:

• is in breach of any law, statute or regulation of any Malaysian laws;
• is fraudulent, criminal or unlawful;
• is inaccurate or out of date; or
• impersonate any other person or body or misrepresents a relationship with any person or body.

You agree to comply at all times with any instructions for use of the Services which we make from time to time.

Disclaimer

Whilst we endeavour to ensure that the information and materials are correct, no warranty or representation, express or implied, is given that they are complete, accurate, up to date, fit for a particular purpose and to the extent permitted by law, we do not accept any liability for errors or omissions. This shall not affect any obligation which we may have under any contract that we may have with you to provide you with the insurance products.

To the maximum extent permitted by law and in all cases other than in respect of insurance products or insurance services that we provide herein (which shall be governed by its own contractual terms), we disclaim all liability whatsoever whether arising in contract, tort (including negligence) or otherwise in relation to the Site and all implied warranties, terms and conditions of the Site including any warranty, term or condition as to the satisfactory quality, performance, availability, non-infringement, interoperability of the Site as between you and us.

Intellectual Property Rights

The ‘MSIG Online’, ‘MSIG’ name and logos and all related names, design marks and slogans are the trademarks or service marks of us. We are the owner or the licensee of all intellectual property rights in the Site, and in the material published in it. You must not without our permission use or copy any material from the Site onto your own or other websites.

Links to 3rd Parties' Sites

This Site may be linked to other websites which are not maintained by us ('3rd Parties' Sites'). We do not have any control over such 3rd Parties' Sites and unless stated, in which MSIG are not responsible for and do not endorse any of the said website or their availability or contents. The use of the said website shall be at your own risk.

The terms and conditions, terms of use and privacy policies of such 3rd Parties' Sites will apply to your use of those websites. If you have any queries, concerns or complaints about such 3rd Parties' Sites, you may direct them to the operator or owner of such 3rd Parties' Sites.

Privacy Policy

Please be informed that for the purpose of compliance to Personal Data Protection Act 2010, MSIG has put in place a Privacy Notice which explains MSIG’s firm commitment to protecting and safe-guarding the privacy of your personal data. Please visit our website at http://www.msig.com.my/privacy-notice to view the details of the Privacy Notice.

Data Security

Our Site employs the 128-bit VeriSign Secure Socket Layer. All confidential online sessions between you and MSIG are protected up to a 128-bit encryption level.

Cookies

We may use "cookies" and other technologies to personalize your experience when using the Site. Cookies can be disabled directly from your internet browser.

Other Terms

If any provision of these Terms of Use is held by a court of competent jurisdiction to be invalid or unenforceable, then such provision shall be construed as nearly possible to reflect the intention of the parties and all other provisions shall remain in full force and effect.

These Terms of Use shall be governed by and construed in accordance with Malaysian law. You agree to submit to the exclusive jurisdiction of the Malaysian courts to settle any dispute or claim which may arise under or in respect of these Terms of Use or your use of the Services.

We reserve the right to change these Terms of Use at any time without notice to you by updating the Site to incorporate the new Terms of Use.