Terms of Use


We set out below the important points for you to note when using our website https://covertouch.com.my ("Site") whether as a guest or as a registered user.

Please read these Terms of Use and Disclaimers carefully before you start to use the Site. By accessing or using this Site, you are agreeing to be bound by these Terms of Use and Disclaimers.

These Terms of Use and Disclaimers may be revised from time to time and these revisions become effective immediately upon them being updated on the Site. Continued access or use of this Site shall be considered acceptance of the revised Terms of Use and Disclaimers.


Information about Us

The Site is operated by COVER TOUCH SDN BHD. We are registered in Malaysia under company number 1283564-W and have our registered office at Unit A-13-06, Block A, Tropicana Avenue, Persiaran Avenue, 47410 Petaling Jaya, Selangor.


Geographical Limits

The information on this Site is directed at residents of Malaysia. Insurance policies accessed through this Site should only be bought by persons residing in Malaysia. Accessing this Site from territories where its content is illegal or unlawful is prohibited. If you choose to access this Site from outside of Malaysia, you are responsible for compliance with local laws.


Access to Our Site and Changes to Our Site

By using the Website, you hereby represent and warrant that:
  1. You are at least eighteen (18) years of age;
  2. You have all necessary authority, rights and permission to submit, send or upload all information, data, text, image and any other materials.

Access to our Site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our Site without notice. We will not be liable if for any reason our Site is unavailable at any time or for any period.

We aim to update our Site regularly, and may change the content at any time. If the need arises, we may suspend access to our Site, or close it indefinitely. Any of the material on our Site may be out of date at any given time, and we are under no obligation to update such material.

You are responsible for making all arrangements necessary for you to have access to our Site. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these Terms of Use and Disclaimers, and that they comply with them.

You take full and sole responsibility when using content or services provided on this and any linked sites.


Accuracy of Information

We endeavour to ensure the accuracy and reliability of the information provided on this Site but do not guarantee its accuracy, completeness or reliability. For the avoidance of doubt, the information provided on this Site are subject in all respects to the specific terms and conditions of the actual policy or product/service agreement to which they refer or relate.

Commentary and other materials posted on our Site are not intended to amount to advice on which reliance should be placed. In this connection you should take note that the information provided on this Site are made available for informative purposes only. They are not intended to serve as nor shall they be deemed as professional advice. Accordingly, none of the information provided on this Site should be interpreted or deemed as investment, legal, tax or other advice. Notwithstanding the foregoing provision, any advice rendered by us subsequent to your engagement of our services as your financial adviser shall amount to professional advice for the purposes in connection therewith.


Liability

We accept no liability (whether in tort (including negligence), contract, statute or otherwise) for any direct, indirect, special or consequential loss or damage whatsoever arising from: reliance on the information provided on this Site; a computer virus in or introduced into your computer system by, through or in connection with the Site or the linked sites; recommendations that are published or accessible through this Site.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraud or any other liability which cannot be excluded or limited under applicable law.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.


Links to other Websites

Contained in this Site are links to third party websites that are not under our control. These links are provided for your information and convenience and the inclusion of any link does not imply endorsement of the sites to which the link leads. Accordingly we do not in any way warrant the adequacy, accuracy, reliability or completeness of any information contained in any website which is hyperlinked or referred to in this Site.

You are entirely at your own risk when accessing these sites and under no circumstance will we accept any responsibility or liability in respect of the linked sites.


Identification and Authentication

If you choose, or you are provided with, a user identification or authentication code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. In this connection, you could be held liable for any loss or damage, whether suffered by us or a third party, which arise as a direct or indirect result of any unauthorized usage of your user identification code and/or unauthorized disclosure of your password unless you are able to prove to our satisfaction, as decided by us in the exercise of our sole and absolute discretion, that you had taken all necessary safety precautions as well as reasonable measures of prudence and that the unauthorized usage of your user identification code and/or unauthorized disclosure of your password was not in any way caused by any negligence on your part.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Terms of Use and Disclaimers. We shall not be held liable for any direct or indirect loss or damage which you may suffer as a result of any invalidation or cancellation of your user identification code or password.


Acceptable Use Policy

You may use the Site only for lawful purposes.

You will not gather, extract, download, reproduce and/or display or advertise on any other website, other online or off-line service or otherwise, any material on or from this Site, including but not limited to information relating to insurance policies and prices, whether that information has been gained by the use of spiders, data mining, trawling or other 'screen scraping' software or system used to extract data.

You will not do anything that affects the integrity or security of this Site or causes or may cause harm, damage or unreasonable inconvenience to other users of this website or us.

You must not misuse our Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site. You must not attack our Site via a denial-of-service attack or a distributed denial-of service attack.

We reserve our right to resort to any legal recourse which we, in the exercise of our sole and absolute discretion, deem necessary and/or appropriate to be taken against you in the event of any unlawful and/or unauthorized usage of this Site by you or persons under your control and to recover any loss or damage suffered as a result thereof from you.


Intellectual Property Rights

We are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. Accordingly you must obtain the permission of the relevant insurance company prior to any usage or reproduction of any material in this Site belonging to such insurance company which amounts to intellectual property.


Information about You and Your Visits to Our Site

We process information about you in accordance with our privacy policy. By using our Site, you consent to such processing and you warrant that all data provided by you is accurate.


Transactions Concluded Through Our Site

Our appointment by you as your AGENT shall be governed by our Insurance Agency’s Terms of Business.

All insurance policies described in this Site or placed by us on your behalf are subject to the terms and conditions of any applicable agreements. In case of doubt the User should seek assistance directly from the insurer or by contacting us at our contact details below.


Choice of Law and Jurisdiction

These Terms of Use and Disclaimers and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of Malaysia.

The Malaysian courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our Site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.


Your Concerns

If you have any concerns about material which appears on our Site, please contact us hey@covertouch.com.my if you’d like more info!

Thank you for visiting our Site.