Terms Of Use

• 1.1By accessing or using the MCIS Corporate website (hereinafter referred to as “Website”), you are deemed to have expressly agreed to be bound by this Terms of Use without any qualification thereto, whether or not you are a registered user of this Website. This Terms of Use may be amended or revised at any time at the sole discretion of MCIS Insurance Berhad (hereinafter referred to as “MCIS Life”). You are hereby notified that you shall be bound by any such amendments, revisions or updates and you are therefore required to periodically visit this page to view the revised Terms of Use to which you are bound to, failure of which is not the responsibility of MCIS Life.
• 1.2If any of the Terms of Use herein are unacceptable to you or in the event that any future revisions are unacceptable to you, kindly refrain continuous usage of this Website. Your continued use of this Website indicates your acceptance and agreement to be bound by this Terms of Use and any future revisions hereto.
• 1.3Nothing contained in this Website constitutes a solicitation or an offer by MCIS Life to buy or sell any products, services, securities, futures, options, other financial instruments, provide any investment or financial advice or an invitation to enter into any legally binding contract or arrangement. The products and services described in this Website are available only to residents of Malaysia. Your eligibility for any particular products or services is subject to the final determination and acceptance by MCIS Life. 
• 1.4The information provided on this Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to laws or regulations or which would subject MCIS Life to be registered within such jurisdiction or country. 
• 1.5Users are strictly prohibited from using the Website for any illegal or unlawful purpose that is prohibited by the regulatory authorities, this Terms of Use or any activities contravening MCIS Life's rights or that of third parties.

• 2.1All materials and information in this Website, including but not limited to product information, services, data, text, graphics, audio, video, links or other items are provided by MCIS Life on an "as is" and "as available" basis, without any warranties of any kind, either express or implied.
• 2.2MCIS Life and its subsidiaries, affiliates or agents expressly disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for purpose, usefulness, accuracy or reliability and expressly disclaims liability for any errors and omissions in respect of all materials and information in this Website. Further, no warranty or representation is made regarding the security, freedom from computer viruses or other harmful components or non-infringement with respect to such information or materials.
• 2.3MCIS Life does not warrant or represent that access to the materials and information in this Website will be provided uninterrupted or free from errors 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. As a result, you are hereby duly given notice that the entire remedial cost in connection thereto shall be solely borne by you and that MCIS Life is not liable in any manner whatsoever to indemnify you or any third party for any losses, damages, costs whatsoever or howsoever arising. Defects identified will however be promptly addressed to ensure materials and information contained are accurate.
• 2.4Without derogation of the above and/or the terms and conditions of the applicable agreements governing the products and services of MCIS Life, reasonable measures will be taken by MCIS Life to ensure the accuracy and validity of all materials and information relating to transactions and products of MCIS Life.
• 2.5You shall be responsible to evaluate the quality, adequacy, completeness, correctness and usefulness of all services, content, advice, opinions and other information obtained or accessible through the Website. 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.

• 3.1The links from this Website to other websites are provided for your own information and convenience only, of which websites may be linked to other websites which are not maintained by MCIS Life.
• 3.2MCIS Life shall not be responsible and makes no warranties in respect of the contents of those websites, the third parties named therein or their products and services. Accordingly, MCIS Life does not assume any responsibility or liability with respect to any of those websites (or any website linking into this Website) in any way whatsoever (including its content and operation). As a result, the inclusion of any link to such websites does not constitute a referral, approval, endorsement, advertising, offer or solicitation with respect to such websites, its content or any products or services advertised or distributed through that website, by MCIS Life.
• 3.3Without the express written consent of MCIS Life, no person, company and no website may make a link to this Website, whether to its homepage or to any internal page.
• 3.4Any links to downloadable software sites are for convenience purposes only and MCIS Life shall not be held responsible or liable for any consequences associated with downloading such software, as the usage of such software may be governed by licence agreement of the respective software owners. You are strongly advised to read the terms of use, privacy policy and security statements (if any) of any websites which are linked to or from this Website.

• 4.1In no event will MCIS Life, our Affiliates, our directors, officers, agents or employees shall be held liable for any special, direct, indirect, incidental, punitive, aggravated, exemplary or consequential damages or any damages whatsoever including without limitation, those resulting from loss of profits, damages, data or interruption arising or resulting from any of the following:
  • 4.1.1the use, the results of use or inability to use this Website or any websites linked to or from this Website, or the information or materials contained at any or all such websites, howsoever arising including negligence, whether based on warranty, tort, contract or any other legal theory or whether or not advised of the possibility of such damages;
  • 4.1.2violation of third party rights under the relevant and applicable laws, claims or demands that the listing, offer, advertising, promotion, display, purchase, sale and/or use of the Products offered or displayed on this Website may violate or may be asserted to violate third party rights or claims by any party that they are entitled to defence or indemnification in relation to assertion of rights, demands or claims by third party rights claimants;
  • 4.1.3unauthorised access by third parties to data or private information of any users of this Website; or
  • 4.1.4any matters relating to MCIS Life's products and services.
• 4.2Notwithstanding any of the foregoing provisions, our liability and that of our Affiliates, our directors, officers, agents, joint ventures and employees to you or any third parties in any circumstances is limited to the actual amount of monies you have paid to MCIS Life for any of MCIS Life's products or services during the calendar year. All claims arising from the use of this Website and/or related services must be by way of notice in writing to us of such claim, specifying in reasonably sufficient detail the nature of the claim and so far as is practicable the amount claimed in respect thereof, and shall be served within one (1) year from the date of the event/omission giving rise to the claim. Failure to do so shall be deemed as an irrevocable waiver of any such entitlement, right and pursuit of any such claim.
• 4.3Indemnification
  • 4.3.1You agree to defend, indemnify and hold MCIS Life, our Affiliates, and our officers, directors, agents, joint ventures, employees and suppliers harmless from any and all claims, losses, demands, fines or other liabilities which may arise from your use of this Website or related services or from your breach of any of these Terms of Use or your breach of any representations and warranties made by you. In addition, you agree to defend, indemnify and hold MCIS Life, our Affiliates, and our officers, directors, agents, joint ventures and employees harmless from any and all claims, losses, demands, fines or other liabilities which may arise directly or indirectly as a result of any claims asserted or incurred by any third party claimants or other third parties relating to the products offered and displayed on this Website.
  • 4.3.2You hereby agree that MCIS Life shall not be responsible and shall have no liability to you, for any material posted by others, including defamatory, seditious, vexatious, offensive or illicit material and the risk of damages from such material rests entirely with each user. MCIS Life reserves the right at our own expense to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which event you shall cooperate with MCIS Life in asserting any available defences.

E-mails sent to MCIS Life over the Internet cannot be guaranteed to be completely secure. MCIS Life is not responsible for any damages, losses, expenses or costs incurred by the user if they send emails to MCIS Life, or if MCIS Life sends emails to them, via the Internet.

• 6.1When accessing or making use of any part of this Website, you may not:
  • 6.1.1Post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without any limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any national or international law;
  • 6.1.2Post or transmit any information or software which contains a virus, worm, Trojan horse or other harmful components in whatsoever nature; and
  • 6.1.3Interfere with the functioning of this Website or restrict or inhibit any other user from using this Website.
• 6.2Any attempt by any person to damage this Website or undermine its operation may be a violation of criminal or civil laws. MCIS Life reserves the right to seek damages from any such person to the full extent of the law.

This Website is owned and operated by MCIS Life. Except as otherwise expressly permitted by, no materials from this Website or any website owned, operated, licensed or controlled by MCIS Life may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way whatsoever. You may download material displayed on this Website for your use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Website for public or commercial purposes, including the text, images, audio, and video without MCIS Life's written permission. MCIS Life neither warrants nor represents that your use of materials displayed on this Website will not infringe rights of third parties.

Due to the nature of the Internet, transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. MCIS Life is not liable for any malfunctions in communications facilities that may affect the accuracy or timeliness of messages and transactions you send regardless of whether the interruption, transmission blackout, delayed transmission and incorrect data transmission is caused by an internal MCIS Life computer system management or personnel.

Any information, other than personal data or information, you transmit to MCIS Life via this Website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of MCIS Life. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. MCIS Life is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to MCIS Life via this Website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

All trademarks, services marks, trade names, logos, and icons are proprietary to MCIS Life. Nothing contained on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Website without the written permission of MCIS Life. Your use of the trademarks displayed on this Website, or any other content on this Website, except as provided herein, is strictly prohibited. Images displayed on this Website are either the property of, or used with permission by, MCIS Life. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by MCIS Life. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

You acknowledge that any software which may be available or provided to you on this Website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. MCIS Life does not authorize the downloading or exportation of any software or technical data from this Website to any jurisdiction prohibited by such export controls laws and regulations.

• 12.1These 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 MCIS Life, 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. MCIS Life makes no representation that the materials, information, functions and/or services provided on this Website appropriate or available for use in jurisdictions other than Malaysia.
• 12.2Unless otherwise expressly set forth herein, MCIS Life makes no representation that materials on this Website appropriate or available for use in any location. Those who choose to access this Website do so on their own initiative and are responsible for compliance with local laws and regulations.

• 13.1If you breach any of these Terms of Use of this Website, MCIS Life reserves the right, to immediately and without notice to you to:
  • 13.1.1terminate 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, MCIS Life may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of MCIS Life, of any other user, or of any third party; and
  • 13.1.2You agree that MCIS Life shall not be liable to you or any third party for any termination on your access to this Website.

• 14.1DO NOT share your ID or password with others.
• 14.2If you know or have reason to suspect that your password has been compromised or used by another person without your consent or authorisation, please change your password and inform MCIS Life immediately.
• 14.3DO NOT display your account information to others.
• 14.4DO NOT leave your PC or other device by which you access this Website, unattended.
• 14.5Ensure to clear the cache memory after use to clear private information stored in the device used to access this Website.
• 14.6MCIS Life will never ask you for your ID and Password via email. Please report back to MCIS Life should you receive such an email.
• 14.7It is your responsibility to keep your Internet Browser up to date with the latest security updates.
• 14.8Ensure to update MCIS Life of any changes to your mobile telephone number for security reasons

• 15.1MCIS Life may assign these Terms of Use (including without limitation our rights, titles, benefits, interests, obligations and duties in these Terms of Use) to any person or entity without prior notification to you.
• 15.2If any of these Terms of Use is at any time held to be void, invalid or unenforceable by any court of competent jurisdiction, then it shall be treated as changed or reduced, only to the extent minimally necessary to bring it within the laws of that jurisdiction and to prevent it from being void and it shall be binding in that changed or reduced form. Subject to that, each provision shall be interpreted as severable and shall not in any way affect any of these Terms of Use.
• 15.3MCIS Life's failure to insist on or enforce strict performance of these Terms of Use shall not be construed as waiver by MCIS Life of any provision or right it has to enforce these Terms of Use, nor modification of any provisions of these Terms of Use. Any rights not expressly granted herein are reserved.
• 15.4All provisions in these Terms of Use which by their nature are intended to survive expiration or termination shall survive any expiration or termination of the contract between MCIS Life and you.
• 15.5This Terms of Use shall be read together with the following :
  • 15.5.1Privacy Policy; and
  • 15.5.2Security Statement