Terms & Conditions
Terms and Conditions
Last Updated: 1st January 2024
Welcome to Shiamy’s Agency (“we,” “our,” or “us”). By accessing or using our website located at https://www.shiamysagency.com (“Website”), you agree to comply with and be bound by the following Terms and Conditions (“Terms”). Please read these Terms carefully before using our Website.
1. Definitions
1.1. Website: Refers to https://www.shiamysagency.com.
1.2. Services: Refers to the life and medical insurance-related services offered through the Website.
1.3. User: Refers to any individual or entity accessing or using the Website.
1.4. Content: Refers to all text, graphics, images, and other materials available on the Website.
2. Acceptance of Terms
By using this Website, you confirm that you have read, understood, and agreed to these Terms. If you do not agree with any part of these Terms, you must discontinue using the Website immediately.
2.1 Notification of Changes:
If we make significant changes to these Terms, we will notify users by email or through a prominent notice on our Website. It is your responsibility to review the Terms periodically.
2.2 Local Service Restriction:
Our services are exclusively intended for clients within Malaysia. We do not cater to international clients.
2.3 Consent via Registration:
If you register an account with Shiamy’s Agency, you will be prompted to accept these Terms and Conditions during the sign-up process. By clicking the “Agree” or similar button, you acknowledge that you have read and agree to these Terms.
3. Eligibility
The Website is intended for users aged 18 and above. By accessing our Website, you affirm that you are at least 18 years old or have the consent of a parent or legal guardian.
3.1 Users under 18 may access and use the Website only under the supervision of a parent or legal guardian who consents to these Terms and Conditions.
4. Use of the Website
4.1 Prohibited Activities:
Using the Website for unlawful purposes.
Attempting to interfere with the security or functionality of the Website.
Misrepresenting your affiliation with Shiamy’s Agency.
Uploading harmful or malicious content.
4.2 License to Use:
We grant you a limited, non-exclusive, non-transferable, and revocable license to use the Website for personal, non-commercial purposes.
4.3 Compliance with Local Laws:
By using the Website, you agree to comply with all applicable local, state, and national laws. If you are accessing the Website from outside Malaysia, you are solely responsible for ensuring compliance with the applicable laws of your jurisdiction.
5. Services
5.1 Information Only:
The Website provides general information about life and medical insurance services. It does not constitute professional advice.
5.2 Service Limitations:
We reserve the right to modify or discontinue any services offered on the Website without prior notice.
5.3 Compliance with Malaysian Laws:
Shiamy’s Agency complies with all regulatory requirements under the Insurance Act 1996 and guidelines issued by Bank Negara Malaysia.
5.4 Third-Party Insurance Providers:
Shiamy’s Agency may refer users to third-party insurance providers. However, we are not responsible for the actions or advice of such third parties. We do not guarantee the performance or suitability of any third-party services or products.
6. Privacy Policy
Our Privacy Policy governs how we collect, use, and store your personal information. By using the Website, you consent to our data practices as outlined in our Privacy Policy.
7. Intellectual Property
7.1 Ownership:
All content on the Website, including but not limited to text, graphics, logos, and images, is owned by or licensed to Shiamy’s Agency and is protected under intellectual property laws.
7.2 Unauthorized Reproduction:
Unauthorized reproduction, distribution, or modification of Website content is strictly prohibited.
7.3 User-Generated Content:
If users submit content to the Website (e.g., comments, feedback), you grant Shiamy’s Agency a non-exclusive, royalty-free, and perpetual license to use, reproduce, and modify such content.
7.4 Ownership of User-Generated Content:
You represent and warrant that any content you submit to the Website is your original work or that you have full rights to such content and that it does not infringe any third-party intellectual property rights.
7.5 Website Security:
The Website is secured with SSL certificates to protect the transmission of sensitive information.
8. Third-Party Links
The Website may include links to third-party websites. These links are provided for your convenience only. Shiamy’s Agency does not endorse or assume responsibility for the content or policies of third-party websites.
8.1 Third-Party Services Disclaimer:
Use of third-party services accessed through the Website is at your own risk. We are not liable for any issues arising from their use.
9. Limitation of Liability
9.1 Exclusions:
Shiamy’s Agency is not liable for any indirect, incidental, or consequential damages arising from your use of the Website.
9.2 Accuracy of Content:
We do not guarantee the accuracy, completeness, or reliability of Website content.
9.3 Exclusions:
Shiamy’s Agency is not liable for any loss or damage resulting from events outside its control, including but not limited to force majeure, natural disasters, cyberattacks, or any interruptions in internet or communication services.
10. Indemnification
You agree to indemnify and hold harmless Shiamy’s Agency, its affiliates, employees, and agents from any claims or damages arising from your use of the Website or violation of these Terms.
11. Governing Law and Dispute Resolution
11.1 Governing Law:
These Terms are governed by and construed in accordance with the laws of Malaysia. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts in Malaysia.
11.2 Dispute Resolution:
In the event of any dispute, we encourage users to contact us first to attempt to resolve the issue amicably. If the dispute cannot be resolved informally, users agree to submit to binding arbitration under the laws of Malaysia.
12. Changes to Terms
We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on the Website. Your continued use of the Website constitutes acceptance of the revised Terms.
13. Disclaimer of Warranties
13.1 “As-Is” Basis:
The Website and all its content are provided on an “as-is” and “as-available” basis.
13.2 No Warranty:
Shiamy’s Agency makes no warranties, express or implied, regarding the Website, including but not limited to its merchantability, fitness for a particular purpose, or non-infringement.
14. Data Protection Compliance
14.1 PDPA Compliance:
Shiamy’s Agency complies with Malaysia’s Personal Data Protection Act (PDPA).
14.2 User Rights:
Users have the right to access, update, and request the deletion of their personal data by contacting us.
14.3 Data Retention:
We will retain your personal data only for as long as necessary to fulfill the purposes outlined in our Privacy Policy, after which it will be securely deleted, unless retention is required by law.
15. Refund and Cancellation Policy
15.1 Refunds and Cancellations:
If applicable, details about refunds or cancellations for insurance-related services will be provided during the service agreement process.
15.2 Refund Process:
Refunds, if applicable, will be processed within [X] business days following the approval of your request. Refund eligibility depends on the type of service or insurance policy purchased and its respective terms.
15.3 Contact for More Information:
For more information, contact us directly.
16. Cookie Policy
16.1 Use of Cookies:
The Website uses cookies to improve user experience. By using the Website, you consent to our use of cookies.
16.2 Cookie Details:
A detailed cookie policy is available in our Privacy Policy.
17. User Responsibilities
17.1 Accurate Information:
Users must provide accurate and truthful information when using the Website or engaging with our services.
17.2 False Information:
Shiamy’s Agency reserves the right to terminate access for any user providing false or misleading information.
18. Force Majeure
18.1 Obligations During Force Majeure:
Shiamy’s Agency is not liable for any failure or delay in performing its obligations due to circumstances beyond its control, including but not limited to natural disasters, strikes, or technical failures. During a force majeure event, we will make reasonable efforts to notify users of service disruptions and mitigate the impact on service delivery.
19. Termination Clause
19.1 Termination or Suspension:
We may terminate or suspend your access to the Website at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users or Shiamy’s Agency.
20. Limitation on Actions
20.1 Time Limitation:
Any claim or cause of action arising out of or related to your use of the Website must be filed within one (1) year after such claim or cause of action arose, or it will be forever barred.
21. Payment Terms
21.1 Billing Information:
If payments are made via the Website, users agree to provide accurate billing information.
21.2 Payment Gateway:
Shiamy’s Agency is not responsible for payment gateway errors or unauthorized transactions. Disputes regarding payments should be resolved with the relevant payment provider.
22. Security Measures
22.1 User Responsibility:
While we take reasonable measures to secure user information, Shiamy’s Agency is not liable for unauthorized access or data breaches resulting from user negligence.
22.2 Confidentiality of Credentials:
Users are responsible for maintaining the confidentiality of their account credentials.
22.3 Security Measures:
Shiamy’s Agency employs industry-standard encryption, multi-factor authentication, and other security protocols to safeguard personal information. However, users are advised to use secure passwords and maintain the confidentiality of their account details.
23. Accessibility and Availability
23.1 Service Availability:
Shiamy’s Agency does not guarantee uninterrupted access to the Website. Scheduled maintenance or unforeseen issues may result in temporary downtime.
24. Contact Information
If you have any questions or concerns about these Terms, please contact us at:
Shiamy’s Agency
12, Jalan SP 10/5, Bandar Saujana Putra, Jenjarom, Selangor
Email: admin@shiamysagency.com
Phone: +6012 651 6194