Terms and conditions
Introduction
Stark Group Private Limited – Singapore based company No. 201433305Z - (“we” or “us”) is the operator of the software MY INSURER - www.my-insurer.net (the “Website”), a customer relationship tool.
We are committed to:
These Terms & Conditions
Disclaimer
Any Software user that wishes to act as a Registered Users as Relationship Manager (the RU) should read the following carefully to understand our views and practices regarding how your online journey and scope as Relationship manager will be treated.
These Term & Conditions are and should be accessible at anytime by any online users. We may amend these Term & Conditions at any time by posting a revised version on the Website. However, an individual notice will not be sent to any Users. They will be deemed to have acknowledged and agreed to the amended Term & Conditions if they continue to use the Website after the changes that have taken effect. They are reminded to check for updates to this Term & Conditions prior to using the Website.
The Terms & conditions shall be governed by and construed in accordance with the laws of the Republic of Singapore, and any claims or disputes of whatever nature shall be subject to the exclusive jurisdiction of the courts of the Republic of Singapore.
1. Acceptance of Terms
2. Use of the website – as registered user (RU)
2.1. As a RU into the website, you agree to comply with the Acceptable Use Policy in using the Website. We may remove or delete any content that you have provided on the Website if we, in our absolute discretion, suspect that you have violated the Policy of Acceptable Use.
2.2. As a RU into the website, in carrying out any transactions with us on or in relation to the Website or registering an account with us on the Website, you warrant that:
2.2.1. You are above 21 years of age;
2.2.2. You are authorized and accurately licensed where and when applicable according to the rule and regulation of your country where you operate
2.2.3. You are using your actual/formal and official identity;
2.2.4. The personal data that you have provided to us are true, accurate, complete, and current;
2.2.5. You will maintain and promptly update your personal particulars and ensure that such information is kept true, accurate, complete, and current.
2.3. In the event that we have given you (or where you have chosen) a password, which enables you to access certain parts of the Website, you acknowledge that you are fully responsible for maintaining the confidentiality of your password, and all activities occurring under your account.
2.4. You agree to notify us of any breach of security of your password within a reasonable amount of time that defines emergency
2.5. We will not be liable for any loss or damage arising from your failure to comply with this Clause
3. STARK GROUP material
3.1. By using and accessing the Website, you will be exposed to information, data, text, software, photographs, graphics, video, icons, messages or other materials that we and/or other users of the Website upload, post, email, transmit or otherwise make available on the Website (“STARK GROUP Material”) whether publicly or privately.
3.2. You understand and agree that STARK GROUP Material cannot be used for your own usage, publication, distribution, transmission, retransmission, redistribution, broadcast, reproduction or circulation to someone else in the same company or organization, and not for posting to other websites or forums, newsgroups, mailing lists, electronic bulletin boards, or Internet Relay Chats operated by other websites.
4. Disclaimer of Warranties
4.1. Your use of the Website is at your sole risk. We disclaim all warranties of any kind, whether express or implied.
4.2. We reserve the right at any time and from time to time to modify and discontinue, temporarily or permanently, any services of the Website (or any part thereof) with or without notice. You agree that we shall not be liable to you or to any third party for any modification, suspension or discontinuance of such services.
4.3. We make no warranty that:
4.3.1. The Website will meet your requirements;
4.3.2. The Website will be uninterrupted, timely, secure and error-free;
4.3.3. Any results that may be obtained from the use of the Website will be accurate or reliable;
4.3.4. The quality of any products, services, information or other material purchased or obtained by you through the Website will meet your expectations.
4.4. We cannot and do not endorse, and cannot be responsible for, the messages, views, opinions, research and recommendations of individuals, users, and organizations of deemed interest, or advocate any patronage of any particular service provider, course of treatment or commercial dealings in any securities, investments or classes of securities or investments nor does the inclusion on the Website of a link to other website(s) or resources imply any form of endorsement by us.
4.5. We do not actively review or edit the messages, views, opinions, research and recommendations of users, even if such messages, views, opinions, research and recommendations are made by the users using the Website. While the information on the Website has been obtained from sources believed to be reliable, none of the data, news, information, reports or opinions nor any of the recommendations (if any) has been customized for any specific person or class of persons. Therefore, please use the Website at your own risk.
4.6. By making available information and data on pursuant on the Website, including facts, views, opinions and recommendations of individuals and organizations of deemed interest, we and our content providers are not giving or purporting to give or representing or holding themselves out as giving financial, investment, tax, legal and other professional advice. You shall always seek the relevant professional advice before otherwise making any such decisions.
5. Use Policy
In using the services provided by STARK GROUP, the RU agrees not to:
5.1 Violate any law, statute or regulation;
5.2 Infringe the copyright, patent, trademark, trade secret or other intellectual property right of any party, including but not limited to STARK GROUP;
5.3 Engage in money laundering activities; in gambling activities; in any immoral activity or potentially immoral activity, including but not limited to prostitution and pornography;
5.4 Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
5.5 Act in a manner that is defamatory, libellous, threatening or harassing;
5.6 Provide false, inaccurate or misleading information
5.7 Engage in potentially fraudulent, suspicious or illegal activity and/or transactions;
5.8 “Stalk” or otherwise harass another user of the Website (“User“)
5.9 Send unsolicited emails to any User or use MY INSURER services to collect payments for sending, or assisting in sending unsolicited emails to third parties
5.10 Take any action that imposes an unreasonable or disproportionately large load on MY INSURER infrastructure;
5.11 Upload, or cause to be uploaded, any content to the Website that contains viruses, or any other items that may damage, interfere with, or adversely affect or hinder access to the Website;
5.12 Engage in, nor cause other Users to engage in, spamming, phishing, improper, malicious or, in MY INSURER’s absolute discretion, fraudulent clicking, impressions or marketing activities relating to the Website;
5.13 Reflect poorly on or tarnish the reputation of MY INSURER;
5.14 Modify, adapt, reformat, recompile, transmit, publish, license, reverse engineer, disassemble, reconstruct, decompile, copy or create derivative works of, transfer or sell any services on the Website or part thereof, including source codes or algorithms, except as expressly authorized by MY INSURER in writing, or to the extent permitted by law;
5.15 Use any unauthorized third party software that intercepts, “mines” or otherwise collects information from or through STARK GROUP or MY INSURER
6. Indemnities
6.1. You agree to indemnify and hold us, and our subsidiaries, affiliates, officers, agents or other partners, and employees, harmless from any claim or demand, including attorneys’ fees, made by any third party due to or arising out of any content that you submit, post, transmit or make available on the Website, your use of the Website, your connection to the Website, your violation of the Terms of Service, or your violation of any rights of another party.
7. Limitation of Liability
7.1 We shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data or other intangible losses (even if we have been advised of the possibility of such damages), resulting from:
7.1.1 The use or the inability to use the Website;
7.1.2 Unauthorized access to or alteration of your transmissions or data;
7.1.3 Statements or conduct of any third party on the Website; and
7.1.4 Any other matter relating to the Website.
7.1.5 The loss of registration as an authorized agent in the country where you operate
8. Privacy Policy
8.1. All personal data about you is subject to our Privacy Policy
8.2. The Privacy Policy is deemed incorporated into the Terms of Service by reference to this Clause.
9. Insurance Compliance Policy
9.1. All activities relative to Insurance Act done by you is subject to our Insurance Compliance Policy
9.2. The Insurance Compliance Policy is deemed incorporated into the Terms of Service by reference to this Clause.
10. Termination
10.1. We may, under certain circumstances and without prior notice, at our sole discretion immediately terminate your account (if any). Cause for such termination shall include without limitation:
10.1.1. Breaches or violations of the Terms of Service including Terms & Conditions, Acceptable Use Policy, Insurance compliance, or other incorporated documents, guidelines or rules;
10.1.2. Request by law enforcement or other government agencies;
10.1.3. Self-initiated account deletions;
10.1.4. Infringement of intellectual property rights of others;
10.1.5. Infringement of the Private Policy
10.1.6. Infringement of the Acceptable Use Policy
10.1.7. Infringement of the Insurance Compliance Policy
10.1.8. Discontinuance or material modification to the services on the Website, or part thereof;
10.1.9. Unexpected technical or security issues or problems; or
10.1.10. Extended periods of inactivity.
10.2. Termination of your account shall result in:
10.2.1. Removal of access to and barring of further use to all offerings of the Website that are associated with such account; and
10.2.2. Deletion of your password and all related information, files and content associated with or inside your account (or part thereof).
11. Intellectual Property Rights
11.1. We reserve all intellectual property rights to the Website and SG Material, including international copyright and trademark rights.
11.2. All other names, products and marks mentioned are the intellectual property rights of the respective owners.
11.3. No materials provided through the Website, including text, graphics, code, ratings, rankings, databases, aggregated information, SG Material and/or software may be reproduced, modified, adapted, distributed, published, displayed, uploaded, posted, transmitted or hyperlinked in any manner and in any form without our express, prior written approval, and the approval of the respective copyright and trade mark holders.
11.4. Acceptable Use Policy to be complied
12. Contact Us
12.1. Should you require further information about the understanding of the Term & Conditions and how Stark Group takes pride in committing to respect the law and regulation of countries where it operates, please do not hesitate to contact our privacy officer at: query@stark-grp.com
Introduction
Stark Group Private Limited – Singapore based company No. 201433305Z - (“we” or “us”) is the operator of the software MY INSURER - www.my-insurer.net (the “Website”), a customer relationship tool.
We are committed to:
- Follow any best practices, guidelines, requirements of the privacy and insurance policy applicable in any countries where MY INSURER operates
- Comply to any Insurance rules, laws & regulations applicable in any countries where MY INSURER operates
- Comply to any Data (storage, flow, ownership) protection act, laws & regulations applicable in any countries where MY INSURER operates
- Make the user journey as enjoyable, safe, clear and lean as possible
These Terms & Conditions
- Are compliant to the best of our knowledge with the rules and regulations applicable (on data management, insurance acts, insurance agent proper fit and behavior criteria, appropriate online usage) with the respective countries where we operate.
- Set out the basis for users accessing and using the website.
Disclaimer
Any Software user that wishes to act as a Registered Users as Relationship Manager (the RU) should read the following carefully to understand our views and practices regarding how your online journey and scope as Relationship manager will be treated.
These Term & Conditions are and should be accessible at anytime by any online users. We may amend these Term & Conditions at any time by posting a revised version on the Website. However, an individual notice will not be sent to any Users. They will be deemed to have acknowledged and agreed to the amended Term & Conditions if they continue to use the Website after the changes that have taken effect. They are reminded to check for updates to this Term & Conditions prior to using the Website.
The Terms & conditions shall be governed by and construed in accordance with the laws of the Republic of Singapore, and any claims or disputes of whatever nature shall be subject to the exclusive jurisdiction of the courts of the Republic of Singapore.
1. Acceptance of Terms
- By using and accessing www.my-insurer.net (the “Website”), you conclude a legally binding agreement with STARK GROUP, the owner and administrator of the Website.
- Your registration is conditional to your acceptance of the T&Cs and so without limitation or qualification of such Terms & Conditions that includes the Privacy Policy, the Insurance Compliance Policy, the Acceptable Use Policy
- In case of amendment or new guidelines and rules relating to the use of the Website. All such guidelines or rules are hereby will be incorporated by reference into the Terms & Conditions and will be considered acknowledged within 1 month after effective posting.
2. Use of the website – as registered user (RU)
2.1. As a RU into the website, you agree to comply with the Acceptable Use Policy in using the Website. We may remove or delete any content that you have provided on the Website if we, in our absolute discretion, suspect that you have violated the Policy of Acceptable Use.
2.2. As a RU into the website, in carrying out any transactions with us on or in relation to the Website or registering an account with us on the Website, you warrant that:
2.2.1. You are above 21 years of age;
2.2.2. You are authorized and accurately licensed where and when applicable according to the rule and regulation of your country where you operate
2.2.3. You are using your actual/formal and official identity;
2.2.4. The personal data that you have provided to us are true, accurate, complete, and current;
2.2.5. You will maintain and promptly update your personal particulars and ensure that such information is kept true, accurate, complete, and current.
2.3. In the event that we have given you (or where you have chosen) a password, which enables you to access certain parts of the Website, you acknowledge that you are fully responsible for maintaining the confidentiality of your password, and all activities occurring under your account.
2.4. You agree to notify us of any breach of security of your password within a reasonable amount of time that defines emergency
2.5. We will not be liable for any loss or damage arising from your failure to comply with this Clause
3. STARK GROUP material
3.1. By using and accessing the Website, you will be exposed to information, data, text, software, photographs, graphics, video, icons, messages or other materials that we and/or other users of the Website upload, post, email, transmit or otherwise make available on the Website (“STARK GROUP Material”) whether publicly or privately.
3.2. You understand and agree that STARK GROUP Material cannot be used for your own usage, publication, distribution, transmission, retransmission, redistribution, broadcast, reproduction or circulation to someone else in the same company or organization, and not for posting to other websites or forums, newsgroups, mailing lists, electronic bulletin boards, or Internet Relay Chats operated by other websites.
4. Disclaimer of Warranties
4.1. Your use of the Website is at your sole risk. We disclaim all warranties of any kind, whether express or implied.
4.2. We reserve the right at any time and from time to time to modify and discontinue, temporarily or permanently, any services of the Website (or any part thereof) with or without notice. You agree that we shall not be liable to you or to any third party for any modification, suspension or discontinuance of such services.
4.3. We make no warranty that:
4.3.1. The Website will meet your requirements;
4.3.2. The Website will be uninterrupted, timely, secure and error-free;
4.3.3. Any results that may be obtained from the use of the Website will be accurate or reliable;
4.3.4. The quality of any products, services, information or other material purchased or obtained by you through the Website will meet your expectations.
4.4. We cannot and do not endorse, and cannot be responsible for, the messages, views, opinions, research and recommendations of individuals, users, and organizations of deemed interest, or advocate any patronage of any particular service provider, course of treatment or commercial dealings in any securities, investments or classes of securities or investments nor does the inclusion on the Website of a link to other website(s) or resources imply any form of endorsement by us.
4.5. We do not actively review or edit the messages, views, opinions, research and recommendations of users, even if such messages, views, opinions, research and recommendations are made by the users using the Website. While the information on the Website has been obtained from sources believed to be reliable, none of the data, news, information, reports or opinions nor any of the recommendations (if any) has been customized for any specific person or class of persons. Therefore, please use the Website at your own risk.
4.6. By making available information and data on pursuant on the Website, including facts, views, opinions and recommendations of individuals and organizations of deemed interest, we and our content providers are not giving or purporting to give or representing or holding themselves out as giving financial, investment, tax, legal and other professional advice. You shall always seek the relevant professional advice before otherwise making any such decisions.
5. Use Policy
In using the services provided by STARK GROUP, the RU agrees not to:
5.1 Violate any law, statute or regulation;
5.2 Infringe the copyright, patent, trademark, trade secret or other intellectual property right of any party, including but not limited to STARK GROUP;
5.3 Engage in money laundering activities; in gambling activities; in any immoral activity or potentially immoral activity, including but not limited to prostitution and pornography;
5.4 Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
5.5 Act in a manner that is defamatory, libellous, threatening or harassing;
5.6 Provide false, inaccurate or misleading information
5.7 Engage in potentially fraudulent, suspicious or illegal activity and/or transactions;
5.8 “Stalk” or otherwise harass another user of the Website (“User“)
5.9 Send unsolicited emails to any User or use MY INSURER services to collect payments for sending, or assisting in sending unsolicited emails to third parties
5.10 Take any action that imposes an unreasonable or disproportionately large load on MY INSURER infrastructure;
5.11 Upload, or cause to be uploaded, any content to the Website that contains viruses, or any other items that may damage, interfere with, or adversely affect or hinder access to the Website;
5.12 Engage in, nor cause other Users to engage in, spamming, phishing, improper, malicious or, in MY INSURER’s absolute discretion, fraudulent clicking, impressions or marketing activities relating to the Website;
5.13 Reflect poorly on or tarnish the reputation of MY INSURER;
5.14 Modify, adapt, reformat, recompile, transmit, publish, license, reverse engineer, disassemble, reconstruct, decompile, copy or create derivative works of, transfer or sell any services on the Website or part thereof, including source codes or algorithms, except as expressly authorized by MY INSURER in writing, or to the extent permitted by law;
5.15 Use any unauthorized third party software that intercepts, “mines” or otherwise collects information from or through STARK GROUP or MY INSURER
6. Indemnities
6.1. You agree to indemnify and hold us, and our subsidiaries, affiliates, officers, agents or other partners, and employees, harmless from any claim or demand, including attorneys’ fees, made by any third party due to or arising out of any content that you submit, post, transmit or make available on the Website, your use of the Website, your connection to the Website, your violation of the Terms of Service, or your violation of any rights of another party.
7. Limitation of Liability
7.1 We shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data or other intangible losses (even if we have been advised of the possibility of such damages), resulting from:
7.1.1 The use or the inability to use the Website;
7.1.2 Unauthorized access to or alteration of your transmissions or data;
7.1.3 Statements or conduct of any third party on the Website; and
7.1.4 Any other matter relating to the Website.
7.1.5 The loss of registration as an authorized agent in the country where you operate
8. Privacy Policy
8.1. All personal data about you is subject to our Privacy Policy
8.2. The Privacy Policy is deemed incorporated into the Terms of Service by reference to this Clause.
9. Insurance Compliance Policy
9.1. All activities relative to Insurance Act done by you is subject to our Insurance Compliance Policy
9.2. The Insurance Compliance Policy is deemed incorporated into the Terms of Service by reference to this Clause.
10. Termination
10.1. We may, under certain circumstances and without prior notice, at our sole discretion immediately terminate your account (if any). Cause for such termination shall include without limitation:
10.1.1. Breaches or violations of the Terms of Service including Terms & Conditions, Acceptable Use Policy, Insurance compliance, or other incorporated documents, guidelines or rules;
10.1.2. Request by law enforcement or other government agencies;
10.1.3. Self-initiated account deletions;
10.1.4. Infringement of intellectual property rights of others;
10.1.5. Infringement of the Private Policy
10.1.6. Infringement of the Acceptable Use Policy
10.1.7. Infringement of the Insurance Compliance Policy
10.1.8. Discontinuance or material modification to the services on the Website, or part thereof;
10.1.9. Unexpected technical or security issues or problems; or
10.1.10. Extended periods of inactivity.
10.2. Termination of your account shall result in:
10.2.1. Removal of access to and barring of further use to all offerings of the Website that are associated with such account; and
10.2.2. Deletion of your password and all related information, files and content associated with or inside your account (or part thereof).
11. Intellectual Property Rights
11.1. We reserve all intellectual property rights to the Website and SG Material, including international copyright and trademark rights.
11.2. All other names, products and marks mentioned are the intellectual property rights of the respective owners.
11.3. No materials provided through the Website, including text, graphics, code, ratings, rankings, databases, aggregated information, SG Material and/or software may be reproduced, modified, adapted, distributed, published, displayed, uploaded, posted, transmitted or hyperlinked in any manner and in any form without our express, prior written approval, and the approval of the respective copyright and trade mark holders.
11.4. Acceptable Use Policy to be complied
12. Contact Us
12.1. Should you require further information about the understanding of the Term & Conditions and how Stark Group takes pride in committing to respect the law and regulation of countries where it operates, please do not hesitate to contact our privacy officer at: query@stark-grp.com
