The Terms and Conditions contained herein and the amendments thereto shall govern
the use of Kurnia Insurans Website and the services provided. By accessing to any pages on this Website (other than
reading this Terms and Conditions for the first time), it represents that you have
read, understood and agreed to comply with all the Terms and Conditions hereof.
If you do not accept these Terms and Conditions, please immediately discontinue
your access to this Website and/or use of the services.
Kurnia Insurans's Website is the interactive on-line service operated by Kurnia Insurans on the Internet,
consisting of information, services and contents provided by Kurnia Insurans, affiliates and
other third party.
Amendments & Variation
Kurnia Insurans reserves the right to modify these Terms and Conditions at any time in its
sole discretion, which shall be effective immediately. You are bound by any such
modifications and should therefore periodically read this page to review the current
Terms and Conditions to which you are bound. If the modification to these Terms
and Conditions is unacceptable to you, please immediately discontinue your access
to this Website and/or use of the services.
Modification to the Website
Kurnia Insurans reserves the right at any time to make changes to the Website and/or the services
provided with or without notice. Kurnia Insurans shall not be liable to you or any third party
for any modification, suspension or discontinuance of the Website.
Third Party Link and Content
This Website may contain links to third party Website and contents from third party
and users of Kurnia Insurans Website. Kurnia Insurans makes no representation and expressly disclaim responsibilities
to any opinions, advice, statements, products and services, offers or other information
or content expressed or made available by third parties and users of Kurnia Insurans Website
as that are not of Kurnia Insurans. Neither Kurnia Insurans guarantees the accuracy, completeness, or
usefulness of any content, nor its merchantability or fitness for any particular
purpose. Under no circumstances will Kurnia Insurans be liable for any loss or damage caused
by your reliance on information obtained through this Website.
You may only use the Website for lawful purpose only. Transmission and/or posting
of any material in violation of any international, Federal, State or Local regulations
are prohibited. This includes, but is not limited to copyrighted materials, material
legally deemed to be threatening or obscene, pornographic, profane or material protected
by trade secrets or which, without Kurnia Insurans's express prior approval, contains advertising
or any solicitation with respect to products or services or membership or subscription
to other on-line information services competitive with Kurnia Insurans's Website. This also
includes links or any connection to such materials. Any conduct in Kurnia Insurans's view that
restrict or inhibits any other Kurnia Insurans Website user from using or enjoying the Website
will not be permitted.
The entire contents included in Kurnia Insurans's Website, including but not limited to text,
graphics, logos, buttons, icons, images, video, music and sound are protected under
the Malaysia copyright, cyber and trade mark law. No part of the contents of Kurnia Insurans
Website may be used, published, transmitted, modified, transferred or sold, created
as derivative works or in any way exploited without express permission from Kurnia Insurans
and the respective copyright owners. You may download materials for personal use
only provided that it is not for the purpose of private or commercial gain.
You shall not upload, post or otherwise make available on Kurnia Insurans's Website any material
protected by copyright, trademark or other proprietary right without express permission
of the respective owners. You shall be solely liable for any damages resulting in
any infringement of copyrights, proprietary rights, or any other harm resulting
from such a submission. By submitting materials to any public area of Kurnia Insurans's Website,
you automatically grants, or warrant that the owner of the material expressly grants
Kurnia Insurans rights and licenses to use, reproduce, modify, adapt, publish, translate and
distribute such material in whole or in part. You also permit any other users of
Kurnia Insurans's Website to access, view, store or reproduce the materials for their own use.
You also grant Kurnia Insurans the right to edit, copy, publish and distribute any material
that you have made available in Kurnia Insurans's Website.
You understand and agree that use of Kurnia Insurans Website is at your sole risk. Neither
Kurnia Insurans, its employees, agents, third party content providers or merchants warrant
that the Website will be uninterrupted, error free or free from viruses or other
harmful components nor do they make any warranty as to the result that may be obtained
from the use of Kurnia Insurans's Website, or as to the accuracy, reliability or content of
information, service or merchandise provided by Kurnia Insurans's Website. In no event shall
Kurnia Insurans be liable for any direct, indirect, incidental, punitive or other consequential
damages or any damages for loss of profits, use, data, goodwill or other intangibles,
arising from or in any way connected with these terms, the use of Kurnia Insurans's Website
or the materials, the licensed marks, or any information, goods or services obtained
on or from the Website, whether or not Kurnia Insurans is advised of the possibility of such
You agree to defend, indemnify, save and hold Kurnia Insurans, its employees, agents, third
party content providers or merchants harmless from and against any demands, liabilities,
losses, costs and claims, including reasonable attorneys' fees, that may arise or
resulting from the use of Kurnia Insurans Website or your breach or violation of these terms.
You shall use your best efforts to cooperate with us in the defense of any claim.
Kurnia Insurans shall have the right, but not the obligation, to monitor the content of Kurnia Insurans
Website, to determine compliance with this Agreement and any operating rules established
by Kurnia Insurans and to satisfy any law, regulation or authorised government request. Kurnia Insurans
shall have the right in its sole discretion to edit, refuse to post or remove any
material submitted to or posted on Kurnia Insurans Website. Without limiting the foregoing,
Kurnia Insurans shall have the right to remove any material that Kurnia Insurans, in its sole discretion,
finds to be in violation of the provisions hereof or otherwise objectionable.
Both parties may terminate this Agreement at any time. Without limiting the foregoing,
Kurnia Insurans shall have the right to immediate terminate your account in the event of any
conduct by you, which Kurnia Insurans, in its sole discretion, consider to be unacceptable,
or in the event of any breach by you of this Agreement.
This Agreement and any operating rules for Kurnia Insurans Website established by Kurnia Insurans constitute
the entire agreement of the parties with respect to the subject matter hereof, and
supersede all previous written or oral agreements between the parties with respect
to such subject matter. The Agreement shall be construed in accordance with the
laws of Malaysia and the parties agree to submit to the exclusive jurisdiction of
the courts of Malaysia for the purpose of hearing and determining any dispute arising
out of this Agreement.