These Terms of Service ("Terms") govern your access to and use of the ProIndemnity website at professionalindemnity.com.my and the services we provide. By using the website or engaging us, you agree to these Terms. If you do not agree, please do not use the website or our services.
1. About our service
We help Malaysian professionals compare, arrange and service Professional Indemnity cover, as well as medical, motor, travel and hibah takaful or insurance. We source quotes from a panel of licensed insurers and takaful operators and help you place and manage your cover.
2. Information, not a binding offer
The content on this website is for general information only. Quotes, premiums, contributions and coverage figures shown or discussed are indicative and are not an offer of cover. Actual terms, pricing and acceptance are always subject to the provider's underwriting and the issued policy documents.
3. No cover until confirmed
No cover exists until an application is accepted by the relevant insurer or takaful operator, payment is made where required, and a policy or certificate is issued. Verbal or written discussions with us do not create cover.
4. Your responsibilities
You agree to provide accurate, complete and up to date information when requesting a quote or applying for cover. Non-disclosure or misrepresentation of material facts may allow a provider to decline a claim or cancel a policy. You are responsible for reviewing your policy documents and telling us if anything is incorrect.
5. Eligibility
You must be at least 18 years old and legally able to enter into a contract to use our services.
6. Acceptable use of the website
You agree not to misuse the website, including attempting to gain unauthorised access, disrupting its operation, copying its content for commercial use without permission, or using it for any unlawful purpose.
7. Intellectual property
The ProIndemnity name, logo, text, graphics and design on this website are protected by intellectual property rights and may not be reproduced or used without our prior written consent, except for personal, non-commercial reference.
8. Third-party providers and links
Cover is provided by third-party insurers and takaful operators, each with their own terms, policy wordings and privacy policies. The website may link to third-party sites. We are not responsible for the content, products or practices of those third parties.
9. Fees and remuneration
Where we receive commission or fees in connection with arranging your cover, this is paid in accordance with applicable regulations. We will disclose relevant remuneration information to you as required.
10. Disclaimer
The website and our information are provided on an "as is" basis. To the extent permitted by law, we make no warranties that the website will be uninterrupted, error free, or that the information is complete or current at all times.
11. Limitation of liability
To the extent permitted by law, we are not liable for any indirect or consequential loss arising from your use of the website or reliance on its content. Nothing in these Terms limits liability that cannot be excluded under Malaysian law. Your cover and any claim are governed by the terms of the policy issued by your chosen provider.
12. Indemnity
You agree to indemnify us against any loss or claim arising from your breach of these Terms or your misuse of the website.
13. Privacy
Our handling of your personal data is described in our Privacy Policy, which forms part of these Terms.
14. Changes to these Terms
We may update these Terms from time to time. The latest version will always be posted on this page with the revised date shown above. Your continued use of the website means you accept the updated Terms.
15. Governing law
These Terms are governed by the laws of Malaysia, and any dispute is subject to the jurisdiction of the Malaysian courts.
16. Contact us
If you have any questions about these Terms, contact us:
- Email: hello@professionalindemnity.com.my
- Phone and WhatsApp: +60 12-343 7224
- Location: Kuala Lumpur, Malaysia