Terms of Service

Last updated: March 18, 2026

These Terms of Service govern your use of Perlindungan Wisata and its services. By accessing and using our website, you agree to comply with these terms. We reserve the right to modify these terms at any time, and your continued use of our services following any changes constitutes your acceptance of the updated terms. If you do not agree with any aspect of these terms, please discontinue your use of our services immediately.

Acceptance of Terms

By accessing our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. We provide information about insurance literacy, life insurance types, medical coverage options, takaful principles, and risk management in Malaysia. Your use of our platform constitutes your legal agreement to these terms. We recommend that you review these terms periodically for any updates. If you are using our services on behalf of an organization or another individual, you represent and warrant that you have the authority to bind that entity to these terms. We reserve the right to refuse service to anyone who violates these terms or applicable laws.

User Obligations

As a user of our services, you agree to use our website only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment of our website. You agree not to engage in any conduct that restricts or inhibits anyone’s use or enjoyment of our website. This includes harassment, threatening behavior, or defamatory language. You must provide accurate information when interacting with our services and maintain the confidentiality of any account information. We are not responsible for any content you transmit through our website. You acknowledge that our educational materials are provided for informational purposes only and should not be construed as professional financial, insurance, or legal advice.

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of or licensed to us and is protected by international copyright and intellectual property laws. You may not reproduce, distribute, transmit, or display any content without our prior written permission. We grant you a limited, non-exclusive license to access and view our website for personal, non-commercial purposes. This license does not permit you to modify, copy, or create derivative works based on our content. Any unauthorized use of our intellectual property may result in legal action. We respect the intellectual property rights of others and expect our users to do the same. If you believe your intellectual property rights have been violated, please notify us immediately.

Limitation of Liability

We provide our services and content on an “as is” basis without warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or free from viruses or harmful components. To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, special, or consequential damages arising from your use of or inability to use our website or services. This includes damages for lost profits, lost data, or business interruption. Our educational materials about insurance, life insurance types, medical coverage, takaful, and risk management in Malaysia are for informational purposes and do not constitute professional advice. You rely on this information at your own risk. We recommend consulting with qualified insurance professionals before making any financial decisions.

Termination

We reserve the right to terminate or suspend your access to our website and services at any time, with or without cause, and without prior notice. Termination may occur if you violate these terms or any applicable laws. Upon termination, all rights granted to you under these terms will cease immediately. Your obligations under these terms will survive any termination. We may also terminate or modify our services at any time. We are not liable to you or any third party for any termination of your access or modification of our services. Any content or materials you have accessed prior to termination may no longer be available. We encourage you to maintain copies of important information obtained through our website.