Use of Content
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 This consent, unless withdrawn, applies to all transactions between you and Setia Risk.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 firstname.lastname@example.org 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.
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.
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
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: