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TERMS & CONDITIONS OF THE USERS
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INTRODUCTION
My Insurer Private Limited – Singapore based company No. 201903812R - (“we” or “us”) is the operator of MY INSURER, a platform that is equipped with a mobile application called WELLNEX (the "App"), a free rewarding membership program designed to facilitate access to budget-friendly quality Healthcare, supplemented by Wellness and Lifestyle offers, calibrated thanks to Users' data profiles. 
We are committed to:

• Follow any best practices, guidelines, requirements of the privacy and other applicable policies applicable in any countries where we operate,
• Comply to any Rules & Regulations applicable in any countries where we operate,
• Make the user journey as enjoyable, safe, clear and lean as possible

 
DISCLAIMER

• MY INSURER Terms & Conditions are compliant to the best of our knowledge with the rules and regulations applicable (on data management, insurance acts, insurance agent Fit and Proper behaviour criteria, appropriate online usage) with the respective countries where we operate and set out the basis for individuals and companies accessing and using the Website and the App

• Any "User" who downloads the App must read  and agree the following Terms & Conditions carefully
• These Terms & Conditions are and should be accessible at anytime by any online users. We may amend these Terms & Conditions at any time by posting a revised version on the Website. However, an individual notice will not be sent to any Users and they will be deemed to be acknowledged and agreed after 1 month from the publication,
• 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.
• MY INSURER Management team reserves the right to ask administrative fees for processing  non-payment query, and cancel membership at any point of time and take actions they deem right to protect the interest of MY INSURER , shall they have any suspicions of infringement of their Term & Conditions.

 
1. ACCEPTANCE OF TERMS

1. By using the Service, User confirms that he or she is at least 18 years of age,  
2. By using, browsing and accessing MY INSURER (the "Website" and/or "App") and the websites of MY INSURER or divisions or service groups, or any page thereof, through direct or indirect means, or by using the goods, facilities or services offered in or through MY INSURER through alternative methods (including, for example, telephone, mail, email or facsimile), Users accept and agree to be bound by the Privacy Policy and  PDPC compliance policy that govern MY INSURER overall Terms & Conditions of The Personal Data collection, its usage and its management,
3. MY INSURER Service is hosted by AZURE CLOUD.  AZURE provides us with the online e-commerce platform that allows us to provide the Service to you. Your information, including Personal Information, may be stored through AZURE ’s servers.  By using the Service, you consent to AZURE’s collection, disclosure, storage, and use of your Personal Information in accordance with AZURE’s privacy policy available at https://www.microsoft.com/en-us/TrustCenter/CloudServices/Azure/GDPR,
4. ​If you have any questions regarding this Privacy Policy or the practices of this Site, or wish to withdraw your consent for the continued collection, use or disclosure of your Personal Information, please contact us by sending an email to data@my-insurer.net.
   

2. WELLNEX HEALTHCARE SERVICES ACCESS & PAYMENT:

1. WELLNEX Members must pay the total invoiced amount at the clinic before leaving the premises;
2. The total invoiced amount consists in the exclusive price for the consultation or healthcare service or health-screening, plus the medications and/or tests and/or medical supplies. Some clinics are GST registered and will add the GST to the total invoiced amount.
3. The exclusive prices are only available at clinics within the network of our Health Management Organisation (HMO) Partner;
4. All Wellnex members and their registered dependents are eligible to the exclusive healthcare rates negotiated with the HMO; each main Members can register up to 4 dependents who will appear on his Wellnex e-card at Check-In. They are eligible to the Wellnex benefits provided all the registration required personal data (including DOB, NRIC/FIN, gender, name) must have been supplied at least 10 working days before the service date.
5. Clinics may join or exit the HMO Network and these changes will be reflected in the available list in the WELLNEX App;  there may be a delay for these changes to be updated in the database.
6. The payment must be performed exclusively with the payment method offered in the WELLNEX App (linked to GrabPay wallet of the member and any other payment method that may be implemented by MY INSURER in the App). The payment processing may attract a small charge levied by the payment processing platform (as a percentage of the total invoiced amount) that will be added to the total paid by the Member.
7. Members must ensure that their linked electronic wallet or payment method has sufficient funds to pay the total invoiced amount.
8. Failure to abide to the above conditions will result in the Member not being entitled to the exclusive prices and will have to settle an invoice based on publicly available prices directly to the clinic.

 
3. WARRANTIES

1. The data and other information you may provide through MY INSURER are not considered and are not treated as, an application for any products or services, 
2. MY INSURER is not responsible for User paying for any settlement or closing costs associated with products or services purchased directly or indirectly through MY INSURER,
3. All claims, remarks, concerns, information relative to User purchase should be directly addressed to the Sponsor, 
4. MY INSURER reserves 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) and the mobile application with or without notice,
5. MY INSURER shall not be liable to Users or Sponsors following the modification, suspension or discontinuance of such services.
6. MY INSURER makes no warranty that:
   1.  The Website and/or App will meet your requirements;
   2.  The Website and/or App will be uninterrupted, timely, secure and error-free,
   3.  Any results that may be obtained from the use of the Website and/or App will be accurate or reliable, and 
   4.  The quality of any products, services, information or other materials purchased or obtained through MY INSURER will meet User expectations.
7. MY INSURER does not actively review or edit the messages, views, opinions, research and recommendations of Users or Sponsors, and
8. MY INSURER does not endorse, and cannot be responsible for, the messages, views, opinions, and recommendations of Users or Sponsors, and organisations of deemed interest, or advocate any patronage of any 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 and/or App of a link to other website(s) or resources imply any form of endorsement by us.
9. As part of the Service, MY INSURER may provide links to or compatibility with other websites or applications. However, MY INSURER is not responsible for the privacy practices employed by those websites or the information or content they contain.
10. MY INSURER Privacy Policy does not apply to User use of a third-party website accessed by selecting a link via MY INSURER Service. To the extent that you access or use the Service through or on another website or application, then the privacy policy of that other website or application will apply to your access or use of that site or application. We encourage you to read the privacy statements of other websites before proceeding to use them.​
11. MY INSURER may send you news letter and marketing email related to Sponsor published content. MY INSURER is PDPC Compliant . Users have the right at any time to prevent us from being contacted for marketing purposes. We may push communication on regular basis using Whatsapp or emails only. When We send a promotional communication to you via emails or Whatsapp, you can opt out of further promotional communications by following the unsubscribe instructions provided in each promotional e-mail or responding to the Whatsapp. 
12. MY INSURER is not responsible for the non compliance of any Sponsors, Merchants, Vendors, or Clients but will take all the necessary decisions to make sure our Platform remains PDPC Compliant, and
13. All copyrights are held by MY INSURER PTE LTD. Any attempts to copy or reproduce any portion of this site (including information, styles, graphics, scripts) in part or in whole is protected by the copyright law. Anyone found in violation can be prosecuted according to the law applicable.

​Last Updated: This Term & Conditions was last updated on August 16, 2021.
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