Kindly read and understand the terms and conditions herein below which shall govern the use of the EZTakaful website and pages at eztakaful.com.my (herein after referred to as the condition of use) The use of our website by you shall be on your agreement and acceptance of the condition of use currently enforced and including any additional conditions of use may be brought to your notice as and when issues discussed on our website.
Kindly contact us by telephone or via our email at firstname.lastname@example.org for any queries about the condition of use stipulated herein.
We reserve the right to amend, alter or change the condition of use at any point of time and or from time to time without reference or notification to you.
The content of this website includes but is not limited to services, text, graphics, products, audio, video, link or other data contained in and under Uniformed Resource Locator (URL) and eztakaful.com.my
All copyright, design, graphics, text, database, rights, logos, images, names, trademark and other intellectual property rights in this website (unless otherwise stated) shall be owned and be the property of EZTakaful and or any applicable relevant third party/parties. Therefore this website does not give any person/persons any license or right to utilise any of the same and any such use shall constitute an infringement of the right of the proprietor or licensee.
REFRAIN TO REPRODUCE
You are not permitted in whatever way to commercially publish/display in any form to the public, reuse, reproduce, extract, store, amend or upload to other locations unless with prior written approval by us.
AGREEMENT TO REPRODUCE
That you confirm and agree that any discussion, forum or suggestions on our website by you shall be our property and that you expressly herein are in agreement of us using the same and we are at liberty to develop the concept or similar concepts as ours without any considerations/ payments for you or any other person unless you have expressly and explicitly notified us at the very initial stage that the proprietorship of the same belongs to a third party and adopting the same will infringe upon the said third party proprietorship right. You will further warrant and undertake to indemnify and keep us indemnified against any claim by any third party claiming to have infringed their proprietorship right.
NON-ADVISORY IN NATURE
The materials and information found in this website is not or are not intended to provide you any personal, financial, investment or any advice whatsoever kind whether expressed or implied and you are advised to always seek independent advice before making any decisions based on the information contained on our website or any cross reference contained on our website.
We have endeavoured to ensure the accuracy of the content of our website and the information and materials contained in our website are provided on an ‘as is’ and ‘as available’ basis however, we do not guarantee and warrant that our website will meet all your needs. We also cannot guarantee and warrant the uninterrupted or error-free, virus-free or bug-free access to our website at any time and that defects will be remedied.
The access and use of our website is undertaken by you at your own risk and we do not warrant and or guarantee that the use of our website or any materials downloaded thereon will not cause damage to your related property or eliminate the inherent risk of the internet such as loss of data, virus attack, spy ware/malicious software and that of any similar sort. In addition, we disclaim any liability for losses or damages resulting from changes made to the content of our website by any third party.
DISCLAIMER AND EXCLUSION OF LIABILITY, WARRANTY AND GUARANTEE
We do not guarantee at any particular time the continuous availability or a particular product or service and at any particular price. We reserve the right to withdraw any product or service or reject your application for a product or service without having to give you any reason whatsoever.
We exclude all liability in contract and in tort, statutory duty to any person/persons arising out of accessing our website or non-accessibility/unavailability of our website or for any errors, inaccuracy or omissions contained in our website.
We also would not be liable for any (including but not limited to) loss of profit, economic loss, loss of data, contract, business opportunity, goodwill or reputation suffered or incurred directly or indirectly in connection with the use of or inability of use of our website.
We will not be liable if you lose any content or material when uploading or transmitting the same through our website.
We reserve the right whether with or without notice to suspend access to our website as and when required for (but not limited to) repair, maintenance, updating or upgrading.
INVITATION TO TREAT
The products and services on our website do not entail an offer to sell. It is a mere invitation to treat and your interest to purchase any product or service only represents an offer on your part which we may accept on such terms and conditions thereon or reject your offer without necessarily having to give any reason whatsoever for the rejection.
PRODUCTS/SERVICES TERMS AND CONDITIONS
The information and descriptions on the website of a product or service does not necessarily represent complete descriptions of all the terms, conditions, exclusions and the details of the Takaful coverage, but all of these shall be included in the Certificate of Takaful and Master Certificate or on the condition of purchase issued to you which will be made available to you either in physical or electronic mode.
Prices for our product or service are subject to change without notice. We reserve the right at any time to modify or discontinue the product or service (or any part or content thereof) without notice at any time. We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the product or service.
CONTRADICTION OF TERMS AND CONDITIONS
The terms and conditions in the Certificate of Takaful and Master Certificate shall take precedence and/or prevail over any inconsistency or contradiction that may occur on our website.
FULL AND FAITHFUL DISCLOSURE
You are obliged to fully and faithfully notify us of everything you know or would reasonably be expected to have known that is relevant to our decision making when considering approval/acceptance for your Certificate of Takaful or otherwise you may be subsequently denied benefit from the Certificate.
CREATION OF LEGAL BINDING CONTRACT VIA ONLINE/WEBSITE PURCHASE OF OUR PRODUCTS AND SERVICES
You make an offer to purchase the Takaful product through our website by accepting the quoted price by completing all details required, assuming such product or service is available to you. Upon acceptance of your offer and payment, you will receive a confirmation of your purchase.
You must ensure that the details and information (especially in relation to payment) that you provide to us while using our website are correct and that there are sufficient funds to cover the cost of the product or service.
COOLING OFF PERIOD
There is a fourteen (14) day cooling-off period from the date of receipt of your Certificate of Takaful. In that period, you have a right to cancel the said Certificate, within the cooling-off period and if you are of the view that it does not meet your requirements, by notifying us in writing and returning the Certificate to us. We will then refund to you any contribution paid to us, provided always that you have not made or attempted to make any claims in the meantime.
Contribution payments for any Takaful product, renewals or services purchased through our website shall be paid in full by or on the date stipulated in the Certificate of Takaful.
Unless otherwise provided for, all payments are required to be made by you using a type of credit card accepted by us at the time of purchase or renewal of the applicable Certificate of Takaful or service. You must therefore provide us though our website detail so of your current and valid credit card, including:
You are to avoid providing us credit card or bank account details via email for security reasons.
PROTECTION OF PERSONAL DETAILS
Any personal information that is provided to us via our website is deemed to be with your consent and will be dealt with by us in accordance with our security and privacy statement and Personal Data Protection Act 2012 (PDPA).
THIRD PARTY WEBSITE LINK
We shall not be liable for any losses that you may suffer or incur in whichever manner by using any third party website that may be linked in our website as the linkage is only for your information and convenience. We do not take responsibility for the content of those third party websites.
RESTRICTION OF USE
By accessing our website you agree and warrant not to use our website in a way or manner that may cause or is likely to cause interruption or impairment to our website. All electronic communication sent from your computer is deemed to be your communication and your responsibility. You may not insert a hyperlink to our website and the name and logo of EZTakaful must not be used by you in any way including, but not limited to, advertising or publicity relating to any material on this website.
You are only allowed to use our website for and to obtain Takaful quotes or queries in respect of Takaful cover or engage in Takaful-related transaction for yourself or your next of kin and friends with their consent.
You have agreed to indemnify us in respect of any liability incurred by us for any damages, losses, costs or expenses resulting from your breach of this condition of use and any delay in enforcing our rights herein will not be deemed as waiver of our rights.
AMENDMENT TO CONDITION OF USE
The condition of use herein may be changed or altered at any time hereafter and by posting it on the website shall be deemed sufficient notice of variation and alteration and you shall be deemed to have accepted the new condition of use. In this connection, you are advised to check the condition of use each time you visit our website.
If any condition of terms herein is unlawful, void or unenforceable, it shall be deleted and deemed not effective without affecting the validity and enforceability of the remaining conditions of use.
RECORDINGS AND SAVINGS
You are in agreement with us for us to record and save telephone calls and email correspondences as a result of your access to our website for training purposes and to assist in the prevention of fraud.
JURISDICTION AND APPLICABLE LAW
Any dispute arising from this condition of use for products and services available for purchase only in Malaysia shall be tried in the Courts of Malaya (Malaysia) and the applicable law shall be Malaysian law.
USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS
If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.
We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms & Conditions.
You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.
The accessing and use of our website by you shall be deemed as acceptance of the conditions of use as stated herein on our website.