Terms of Use


By accessing our website SETIA RISK’s web site and using its content, you have read and understood, acknowledge, and agree to be bound by our terms of use. Please do not use and immediately leave the SETIA RISK’s web site, if you do not agree with any of our terms of use. As used below, the terms “SETIA RISK”, “we”, “us”, and “our” refer to SETIA RISK MANAGEMENT SDN BHD and its affiliate companies whereas individually the term Setia Risk refers to SETIA RISK MANAGEMENT SDN BHD and refers to any of Setia Risk related company or associated company.

Use of Content

The content in Setia Risk is about the many insurance products available in the market in an easy-to-understand language. The content in Setia Risk is for general information only. It is not a contract of insurance. For more information about the terms and conditions under the products, shall refer to policy documents. We may from time to time change, modify, replace, and remove the contents of this website (including these legal notices) without notice, these Terms, together with the Privacy Policy, and any other legal notices published by us on the Services. Setia Risk gives no warranty in relation to statements and information contained in the website and subject to the following paragraph disclaims all liability to the fullest extent possible arising from any persons acting on the information and statements contained therein. Setia Risk assumes no responsibility or obligation to provide updates on any published statement or report.


By using the App, you agree to have all records, including the insurance policy, provided to you in electronic form. This consent, unless withdrawn, applies to all transactions between you and Setia Risk. However, you have the right to receive communications from us, including the insurance policy, in paper form if you wish by withdrawing this consent. If you withdraw the consent to provide you with records in electronic form, you will then be provided with records in paper form. To withdraw your consent, you must email us at admin@setiarisk.com with the following subject line “WITHDRAW ELECTRONIC CONSENT.” The content of the email must include your name, policy number, effective and expiration dates of the policy, the effective date of your withdrawal, and whether you want (a) all communications to be in paper form and (b) your insurance policy to be sent to you in paper form. Setia Risk reserves the right to charge a postage fee of RM10.00 for paper transmission of the insurance policy, any installment paper invoice, and any policy endorsement or communication if requested by you.

No Offer

Nothing in SETIA RISK’s web site is or should be interpreted as an offer or a solicitation for an offer, as an investment, legal, tax, or other advice. Where such is needed, an independent professional should be consulted.


The content on SETIA RISK’s web site is protected by copyright with all rights reserved, and all rights in the pages, site content, and arrangement are owned by Setia Risk and/or the respective Setia Risk Group of Companies. You are not permitted and prohibited from copying, modifying, displaying, distributing, transmitting, redelivering through the use of “framing” technology, publishing, selling, licensing, creating derivative works, or using any site content for any purpose without the prior written permissions Setia Risk, provided that you may use the information for your private or internal purposes.

Trademarks, Service Marks and Logos (“Marks”)

The marks appearing on SETIA RISK’s web site are the property of Setia Risk.

No Warranty

The content on the SETIA RISK’s web site, including but not limited to graphics, text and hyperlinks or references to other sites, is provided on an “as is” basis without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or other harmful components. We do not warrant the adequacy, accuracy, reliability or completeness of any information on the SETIA RISK’s web site and expressly disclaim any liability for errors or omissions therein. We do not warrant that the functions of the SETIA RISK’s website will be uninterrupted and/or error-free, that defects will be corrected or that the SETIA RISK’s web site or the server that makes it available are free from computer viruses or other harmful components.

Hyperlinked and Referenced Websites

Certain hyperlinks or referenced websites on the SETIA RISK’s website may for your convenience forward you to third parties’ websites, which generally are recognized by their top-level domain name. However, their content has not been investigated or analyzed by us, and we do not warrant the adequacy, accuracy, reliability, or completeness of any information on hyperlinked or referenced websites. We further do not warrant that the hyperlinks or referenced websites are free from viruses and expressly disclaim any liability for any of their content and damages resulting from its use.  Setia Risk is not in any way responsible for the content of any site owned by a third party that may be linked to its internet sites by hyperlink, whether such hyperlink is provided by Setia Risk or by a third party.

Insurance  Quotes and  Coverages

All quotes generated by SETIA RISK are based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on our website are general descriptions of available coverages and are not a statement of contract. To obtain the coverage you must submit an application to Setia Risk whether on SETIA RISK’s website, mobile app, or otherwise. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state.

Refund and Cancellation policy for insurance purchased on SetiaRisk.com

A purchase of an insurance policy made on the website does not indicate a contract between you as the insured and Setia Risk. The contract of insurance is between you and The Insurer. As such, you are subject to the terms and conditions stipulated by the Insurer.

In the event of cancellation of an insurance contract, the insurer or may refund a proportion of the premium paid, if any, provided that no claim has been made and subject to deduction for costs and expenses incurred in the placement of the insurance cover, including but not limited to Setia Risk commission, fees, and expenses.

Marketing and Promotional Campaigns

From time to time, Setia Risk may run marketing and promotional campaigns that offer voucher codes, discounts, subscription plans, or other promotional offers to be used on the Platforms (“Vouchers”). Vouchers are subject to validity periods, redemption periods, limits, and/or availability. Vouchers may not be valid when used in conjunction with other promotions, discounts, or other vouchers. Additional terms and conditions may apply to Vouchers. Unless otherwise stated, Vouchers can only be used on our Platforms. Vouchers are non-transferable, non-exchangeable, and non-refundable and cannot be exchanged for cash. Setia Risk reserves the right to withdraw, amend, and/or alter any part of the terms and conditions of the promotions and subscriptions at any time without any prior notice. Setia Risk reserves the right to void, discontinue or disqualify any user from any promotion or subscription plan without prior notice to any user, in the event a user breaches any part of these Terms of Use.

Setia Risk’s website allows users to click on a range of content for information and complete a questionnaire or quotation. If you do not accept these terms and conditions you must immediately stop the use of our service. If you choose to use our service, you agree with Setia Risk that:

  1. we are referring you to suitable insurance company partners for further information and successful purchase of the financial product or service;
  2. we would ask you to provide some information in a quotation/questionnaire before you are referred to our insurance company partners. If you choose to provide that information, it will be dealt with following these terms and conditions;
  3. by clicking an action button by proceeding to obtain a firm quote or by completing and submitting an application, in all cases you consent to us providing your personal information and other details in the online form to our insurance company partner for the purpose of they provide you with more information about a particular financial product or service;
  4. you have read and accepted the terms of Setia Risk Privacy Policy and Terms of Use. These terms limit your ability to make a claim against Setia Risk.

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