Use of the website, including any news, blogs, services, or advertising, is subject to the following terms of service ("Terms") (collectively "Website"). Here you'll find important information about your connection with us, such as restrictions on how you may use our Website and the extent to which we're responsible in the event of a problem. Additionally, we agree to resolve disagreements through binding arbitration, and you waive your right to join a class-action lawsuit.

If we decide to make changes to the Terms in the future, you will not be notified. Please take the time to read these Terms each time you use our Website. If these Terms are modified in any way, those revisions will affect the day they are posted. By using our Website following the posting of any revised Terms, you agree to be bound by all of the terms as modified. Neither a financial institution nor an insurance programme has any connection to this Website. Based on your present needs and future goals, we pair you with the best possible solutions.

Even if your phone number is wireless or registered on the Do Not Call (D.N.C.) The registry will be used to call or text you if you provide it on our site. Standard carrier data rates apply when cell phone numbers are utilised.

By using this Website, you agree that we may share your information with one or more third parties, such as insurance companies, insurance agencies, insurance brokers, service/product providers, marketers, and/or affiliate firms, directly or through intermediary agents and/or organisations (including lead aggregators and vendors to such businesses) (collectively, including intermediaries, "Third-Parties"). One or more of these Third Parties may obtain consumer data such as credit scores and driving records. We disclose your information by our Privacy Policy, which you should carefully review.

We generate marketing leads and offer advertising referrals as part of the services we offer. You will not be charged in any way. As a result of being compensated for each possible client reference, we have a significant financial relationship with Third Parties. As a result, we are not an insurance business or any other type of representation. Unfortunately, we do not provide insurance quotations or insurance coverage here. Third-party suppliers, agents, and/or brokers offer insurance quotations. Neither a financial institution nor an insurance programme has any connection to this Website. Based on your present needs and future goals, we pair you with the best possible solutions. Third-Party actions are outside our control and responsibility.

Third parties can purchase leads from us. Multiple sales and resales of your information can result in third-party offers for your services and products. Multiple salespeople may contact you regarding a wide range of services and products. The data you provide may be verified or supplemented by information gleaned from other sources.

You may be redirected to a Third-party website after submitting your data. Party's To pick a third-party or intermediary purchaser to get your information, a comparison of your information with available services and goods, including insurance-related services and products, may be employed. It is also possible that the position of each potential buyer is primarily determined by how much the customer is willing to pay for the knowledge. Third-Party acceptance is not guaranteed, and we do not suggest using any Third-Party Services. Unless you permit us, we cannot see the conditions of your insurance policy. The terms, conditions, and policies are specific to each insurance carrier. To avoid any misunderstandings, be sure to read all terms and conditions carefully. If you have any additional questions or concerns about quotes or policies, please contact your insurance provider, broker, or agent directly. Several factors can influence eligibility. You should expect limitations and exclusions. We thus disclaim any responsibility for any product, service, or strategy. Using our lead generation service, contacting Third-Parties, or enrolling in any plan is entirely voluntary on your part. You have the right to be placed on a do-not-call list if you do not want to receive more phone calls from Third Parties.

Permission to provide consumer credit report information:

We do not accept or make credit decisions. A consumer report may be used by a third party to verify your personal information, such as your credit score and driving record. These Third Parties may access consumer reports from one or more consumer reporting organisations with your express agreement. All of these inquiries will show up on your credit report, lowering your score.

Policy on Confidentiality

We've created and placed a Privacy Policy on our Website to keep you informed and control how we collect and use your data. We both agree to be bound by this Policy, which is part of these Terms and that we encourage you to review.

Modifications to Our Web Page

You agree and recognise that we reserve the right to make changes or stop our Website at any time, for any reason, and without previous notice to you. These Conditions govern all revisions.

Intellectual property (I.P.) Ownership

Text, graphics, images, trademarks, logos, sounds, music, artwork, computer code, and other materials (collectively "Content") published on the Website are the property of or its licensors under applicable intellectual property laws. Please get in touch with us first before making any changes to our website's content or using any of the software that makes up our website without first obtaining permission in writing from us.

The Website may not be copied, monitored, indexed, or data-mined in any way, whether automatically or manually. If you want to use any of website’strademarks or service marks, logos, trade dress, or graphics on the Website in any way without our permission, you must obtain our permission in advance. You may not copy, imitate, or use any of these things in any way without our prior written consent. All other trademarks, product names, company names, and logos mentioned on the Website are the property of their respective own. It's important to note that nothing in these Terms should be regarded as granting you a licence or any other proprietary right in or to our Website's merchandise or services.

Use and Copy Permissions

We grant you limited permission to access and solely make personal use of the content on our Website. Data mining, robots, and similar data collection and extraction techniques are not permitted on our Website under this agreement. Neither is a commercial use of our Web site's content, product listings, or descriptions.

Disadvantages to Your Use of Our Site

You agree not to modify, download, adapt, reproduce, reverse engineer, translate, create derivative works based on, rent, publicly display, sell, licence, or otherwise commercially utilise any part of our Content or Website without our prior written consent. To do so would require you to: I delete any trademark, copyright, or other proprietary rights notices from our website; or (ii) utilise any automated techniques such as a robot or spider. Use our website in any way that violates any local, state, federal, or international law, whether intentionally or unintentionally; or (vii) collect or store any personal or non-personal data about others in connection with our Webs (iv). Transmit any software or code containing any preceding (i.e., a virus, worm) or any other feature designed to cause harm to our websites or the computers that access them (iv).

Notice of Violation of Third-Party Intellectual Property Rights

To report a copyright infringement, please send an email or contact our designated copyright agent. As required by 17 U.S.C. 512, your Notice must include the following information to be in compliance with the Digital Millennium Copyright Act:

• An explanation of the allegedly infringing work;
• Our Website's URL or description of where the allegedly copied content can be accessed
• The person's full name; their address; their telephone number; and their email address
• You said that you believe the copyright owner, its agent, or the law does not permit the disputed use.
• Suppose you are the copyright owner at issue or are authorised to act on behalf of the copyright owner. In that case, you must swear under pain of perjury that the information in your notification is accurate.
• Copyright holders are required to provide an electronic or physical signature and proof of their authority to act on their behalf.

The following is my disclaimer:

In the fullest extent permissible under applicable law, we make no representations or warranties of any kind as to the availability of our Website, information, advice, services, products or other materials on or described on our Website, and that all such information and materials are provided "as is" and "as available." Aside from that, we disclaim any implied warranties, including those arising from a course of dealing or performance, including merchantability and fitness for a particular purpose. We disclaim all liability for any harm resulting from the use or misuse of, or reliance on, any part of our Website. Our Website may contain errors, viruses, or other harmful components, and we make no representations or warranties as to their absence. Any advice or information, whether oral or written, that you obtain from us or our customer service will not create any other proof than the one expressly stated here.

Liability restraints

Neither we nor any of the preceding (including but not limited to any of the foregoing's affiliates, shareholders, directors, officers, members, managers, employees, agents, or representatives) shall be liable to you or any third party for damages of any kind (including but not limited to any direct, indirect, special, punitive or incidental damages) arising out of the use, access, dependence on, unavailability of the preceding. Even if a limited remedy provided herein fails to achieve its essential purpose, this limitation will still apply. A negotiated and agreed-upon provision is what this is.

No-fault insurance

By using our Website or by accessing or using it in any way, you agree to hold us and all of our subsidiaries and affiliates harmless from and against any loss or damage of any kind (including attorney's fees and court costs) arising from any claim, cause of action, suit or demand brought by any third party due to, arising from or connected to me your access to or use of our Website, or (ii) your violation of these terms and conditions.

Disclaimer Regarding Advertisements and Third-Party Links

On occasion, our Website may feature advertisements from third parties. Depending on the type of ad, it could appear as sponsored content, a banner or a pop-up window. Please be aware that we are not responsible for the content of any advertisements, links, or other materials linked to or from our Website. We only get paid to show the ad, and by doing so, we're not saying that we endorse the products, services, or Website they're advertising. To the maximum extent permitted by law, we disclaim all responsibility and liability to anyone for any harm (direct or indirect), loss, or expense resulting from or related to any ads, links, or Websites.

Arbitration that is both confidential and legally binding

We waive both the right to a jury trial and the right to join a class action by agreeing to these Terms.

For any disputes that may arise between you and us in connection with or relating to our website and the products advertised thereon (including without limitation orders placed as a result of advertising on our website), these terms or your status as a user, confidential arbitration will be held in the federal judicial district in which you reside.

To begin the arbitration process, you must send us a certified letter with a written Notice of Dispute ("Notice") attached. Legal Counsel should be notified about this. The Notice must contain detailed information regarding the facts giving rise to the claim or disputes and the requested relief. Within thirty (30) days of receiving the Notice, any party may initiate arbitration if we cannot come to a resolution.

The American Arbitration Association's rules shall govern all arbitrations required by these Terms. A final and binding decision is rendered, and it can be enforced in any court with jurisdiction. To the full extent sanctioned by law which is applicable, no arbitration initiated under these Terms may be joined to an agreement including any other party subject to these Terms, whether by class agreement procedures or otherwise. The arbitrator may bring no representative, private attorney general, or class action unless you and we agree otherwise.

The fees, expenses, and costs of your lawyers, experts, or witnesses over any filing fee required to file the claim in a state or federal court (whichever is greater) in the judicial district in which you reside will be covered by us for arbitration claims asserted against us under this Section, but not the fees, expenses, and costs of your lawyers, experts, or witnesses. The arbitrator can only award money or equitable relief to the individual party requesting it to grant a remedy merited by a particular claim.

Like an arbitration decision and any confirming decision, the award and the decision can only be used once, and that is to enforce the award itself. If both parties agree, the arbitrator will not provide a statement of reasons for their distinction to cut down on both time and expense.

No part of any lawsuit or arbitration against us in any court, or concerning any claims relating to us or our Website, including without limitation orders made from our Website, our advertisements and disclosures, email or related to the collection or use of personal information, will you agree to act as a class representative in any way or as a private attorney general or as a member of a class of claimants to the extent permitted by law Even if our relationship ends, this section 14 will remain in effect.

Law that is in effect

Because you are accessing our website, you agree that the laws of Singapore apply to these Terms and any dispute you may have with us, regardless of where you are located.

Definition:

No partnership, agency, joint venture, or employment relationship is formed due to the terms of this agreement. These terms entirely govern our agreement. We will not be deemed to have waived any rights or provisions of these Terms by failing to assert or enforce those rights or provisions. These Terms will remain in full force and effect and enforceability even if a condition is found to be invalid or unenforceable. That provision will be reduced or removed as necessary. These Terms may not be assigned, transferred, or sublicensed except with our prior written approval. The headers in these Terms are purely for organisation and have no bearing on the law or the contract. Incorporating our Privacy Policy into these Terms means you agree to include it in these Terms as well.

Neither a financial institution nor an insurance programme has any connection to this Website. Based on your current needs and future goals, we pair you with the best possible options.