TERMS AND CONDITIONS ON WEBSITE USE
The above and below terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.
You must be at least 21 years of age to use this website. By using this website and by agreeing to these terms and conditions you warrant and represent that you are at least 21 years of age.
Insuranceguru.com.sg (herein known as “IG”) is jointly owned by ALP Rocks Pte Ltd (ALP) and IPP Financial Advisers Pte Ltd (IPPFA). IPPFA is a Financial Advisory Firm licenced under the Financial Advisers Act and Exempt Insurance Broker and ALP is a Singapore registered Fintech company certified by Singapore Fintech Association as an InsurTech provider. For details of IPPFA’s licensed activities, please refer to our website at www.ippfa.com. IPPFA is registered in Singapore under registration number 198304992C and ALP is registered in Singapore under registration number 201401915M. ALP is appointed administrator of IG by IPPFA. ALP’s principal activities are management consultancy services, information technology and computer service activities.
Promotions and shopping vouchers
If any shopping vouchers (physical or electronic) are offered as a discount to clients of IG who have purchased an eligible motor insurance or other insurance from using IG, they are required to have the policy in-force for a minimum period of 6 months. Should the client decline the shopping voucher offered, no other forms of rebate will be given to the client and the discount will be deemed as forfeited. IG reserves the right to change or remove the discounts and promotions offered on IG without prior notification to the public.
Any discounts off life insurance premiums as offered by life insurers, if any, are dependent on prevailing promotions which vary from time to time. Consumers should not buy any financial products just because of discounts. A life insurance plan is a long term commitment and early plan termination may render capital losses.
2. License to use website
Unless otherwise stated, IG and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.
You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
You must not:
3. Acceptable use
You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without INSURANCEGURU.COM.SG’s express written consent.
You must not use this website to transmit or send unsolicited commercial communications.
4. Restricted access
Access to certain areas of this website is restricted. IG reserves the right to restrict access to other areas of this website, or indeed this entire website, at IG’s discretion.
If IG provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.
IG may disable your user ID and password in IG’s sole discretion without notice or explanation.
5. Copyright and Trademarks
You should assume that everything you see or read on this Website is copyrighted unless otherwise noted and may not be copied, used or distributed in any way without the written permission of IG, except as provided in these Terms and Conditions or in the text on these Websites. IG neither warrants nor represents that your use of materials displayed on these Websites will not infringe rights of third parties not owned by or affiliated with IG.
6. Third Party Content
This website provides links to other websites which are not controlled by us. Those links are provided for your own convenience only and we are not responsible for their use, effect or content. We make no representations or warranties as to, and accept no responsibility for, the accuracy of information on those sites, nor do we endorse any information, opinion, goods or services referred to on them. You acknowledge and agree that you access such websites at your own risk.
7. User Content
In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.
You grant to IG a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to IG the right to sub-license these rights, and the right to bring an action for infringement of these rights.
Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or IG or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.
IG reserves the right to edit or remove any material submitted to this website, or stored on IG’s servers, or hosted or published upon this website.
Notwithstanding IG’s rights under these terms and conditions in relation to user content, IG does not undertake to monitor the submission of such content to, or the publication of such content on, this website.
8. No warranties
This website is provided “as is” without any representations or warranties, express or implied. IG makes no representations or warranties in relation to this website or the information and materials provided on this website.
Without prejudice to the generality of the foregoing paragraph, IG does not warrant that:
Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.
9. Limitations of liability
IG will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:
These limitations of liability apply even if IG has been expressly advised of the potential loss.
Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit IG’s liability in respect of any:
By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.
If you think they are unreasonable, you must not use this website.
12. Other parties
You accept that, as a limited liability entity, IG has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against IG’s officers or employees in respect of any losses you suffer in connection with the website.
Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect IG’s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as IG.
13. Unenforceable provisions
If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.
You hereby indemnify IG and undertake to keep IG indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by IG to a third party in settlement of a claim or dispute on the advice of IG’s legal advisers) incurred or suffered by IG arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.
15. Breaches of these terms and conditions
Without prejudice to IG’s other rights under these terms and conditions, if you breach these terms and conditions in any way, IG may take such action as IG deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
IG may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.
IG may transfer, sub-contract or otherwise deal with IG’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent. You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
19. Entire agreement
These terms and conditions constitute the entire agreement between you and IG in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.
20. Law and jurisdiction
These terms and conditions will be governed by and construed in accordance with the Singapore Law, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of Singapore.
These Terms and Conditions on Website Use was last updated on 1 December 2021.
For any queries, please contact IG or ALP Rocks Pte Ltd via email to firstname.lastname@example.org