TERMS & CONDITIONS - APP USERS

INTRODUCTION
My Insurer Private Limited – Singapore based company No. 201903812R - (“we” or “us”) is the operator of the software MY INSURER -  www.my-insurer.net (the “Website”), a customer relationship tool, and the mobile application 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 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 Fit and Proper behaviour criteria, appropriate online usage) with the respective countries where we operate.
• Set out the basis for individuals and companies accessing and using the Website and the App

 
DISCLAIMER

• Any user who downloads the App must read the following Terms & Conditions carefully to understand our views and practices regarding how your online journey and scope will be treated.
• 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. They will be deemed to have acknowledged and agreed to the amended Terms & Conditions if they continue to use the Website after the changes have taken effect. They are reminded to check for updates to this Terms & Conditions prior to using the Website or the App.
• 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.
• Wellnex Management team & management reserve the right to ask administrative fee for processing  non-payment query . 
• Wellnex Management team & management reserve also the right to cancel user membership at any point of time and take actions they deem right to protect the interest of Wellnex , shall they have any suspicions of infringement of their Term & Conditions.

 

1. ACCEPTANCE OF TERMS

1. By using, browsing and accessing MY INSURER (the "Website") and/or WELLNEX (the "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 the Website and/or the App through alternative methods (including, for example, telephone, mail, email or facsimile), you accept and agree to be bound by the Use Policy including the Privacy Policy that are applicable in the country you reside and use, browse or access the Website and/or App.
2. The usage, browsing and accessing of the Website and/or App are conditional to your acceptance of the Terms of Use; and so without limitation or qualification, includes the Privacy Policy, & Use Policy.
3.  In case of amendment or new guidelines and rules relating to the use of the Website and/or App, all such guidelines or rules will be incorporated by reference into the Terms of Use and will be considered acknowledged and effective immediately upon effective posting.

 

2. SCOPE OF MY INSURER (the "Website" and/or "App")

1. MY INSURER operates as a 360 degree wallet / data repository / insurance policy display / services platform that are provided by an authorized account holder (an intermediary, an affiliate or a service provider).
2. By authorized, we mean an intermediary, an affiliate or service provider that has been authorized to provide a defined services by the administrator.
3. MY INSURER does not sell insurance or advice on insurance products directly.
4. MY INSURER does not sell services or products, nor advises services or products directly.
5. MY INSURER acts as an online service platform between authorised account holders and online users 
6. MY INSURER does not charge a fee to users for its service of connecting users with an authorised account holder, unless it has been otherwise and clearly stated
7. MY INSURER may be paid by an authorised account holder to communicate, collect information, provide advice or sell products or services through the Website and/or App to the users.

 

3. MY INSURER MATERIAL

1. MY INSURER operates the Websites and mobile App and shall have the right at any time to change or discontinue any aspect or feature of the Website and the mobile App and the right to modify the terms and conditions applicable to users of the Website and or Application, including these Terms of Use, or any part hereof. Such changes, modifications, additions or deletions shall be effective immediately upon posting on the Website and or Application. Any use by you of the Website and or Application or the goods, facilities or services offered in or through the Website and/or App shall be deemed to constitute an acceptance of such changes.
2. 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.

 

4. USE OF THE APP (WELLNEX)

1. The data and other information you may provide through MY INSURER is not considered and is not treated as, an application for an insurance policy, a coverage, a quotation or any similar concept or any services where the Website and/or App should take responsibility for.
2. MY INSURER does not guarantee acceptance into any insurance or any service program.
3. MY INSURER does not guarantee that the insurance terms or rates or services offered and made available by the authorised account holder to users are the best terms or lowest rates available in the market or in compliance with the regulator of the market.
4. MY INSURER is not responsible for any user paying for any settlement or closing costs associated with products or services purchased.
5. All claims, remarks, concerns, information relative to your purchase should be directly addressed to the authorised account holder you bought the product or the service from.
6. Personal Data collection, usage and management falls under the PDPC compliance policy
   1. Personal Data maybe requested and collected from time to time through the App and the Websites.
   2. The data management (flow, storage, ownership) falls under the Privacy Policy of MY INSURER PTE LTD. 
   3. Users understand and agree to provide accurate personal data to activate and keep active the WELLNEX Membership and access the exclusive healthcare services prices and other vendor or merchant promotions.
   4. MY INSURER will never market, commercialise, communicate, give access, share to any one user data
      1. ​User may have access to vendors and merchant promotion. Vendors that have been screened and reviewed according to MY INSURER vision and scope 
      2. Access to such promotion can only happens  if the User agrees at priori & pro-actively through the app to receive and adhere to such promotions.
   5. Users can request at anytime
      1. what data are stored in the Website/App, who has access to it, for what usage, where it is store.
      2. to edit, delete, any or / and all data that maybe related directly or indirectly to him/her
7. 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.

 

5. DISCLAIMER OF WARRANTIES

1. Your use of the Website and/or App is at your sole risk. We disclaim all warranties of any kind, whether express or implied.
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) and the mobile application 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.
3. We make 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;
   4.  The quality of any products, services, information or other materials purchased or obtained by you through the Website and/or App will meet your expectations.
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 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.
5. We do not actively review or edit the messages, views, opinions, research and recommendations of Intermediary 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.
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.

 

6. CONTACT US

1. Should you require further information about the understanding of the Use Policy and how MY INSURER PTE. LTD. 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@my-insurer.net 
2. If you have any issues or concern relating to data management, you may reach us directly at data@my-insurer.net
3.  You may also ask us any questions using our "Need help" module on the website with regards to Data protection and Data usage policy

ITERM OF USES 

I. CONSENT
By accessing our Service, you accept our Privacy Policy and Terms of Use, and you consent to our collection, storage, use and disclosure of your personal information as described in this Privacy Policy. In addition, by using our Service, or services across partnered and unaffiliated sites, you are accepting the policies and practices described in this Privacy Policy. Each time you visit our website, or use the Service, and any time you voluntarily provide us with information, you agree that you are consenting to our collection, use and disclosure of the information that you provide, and you are consenting to receive emails or otherwise be contacted, as described in this Privacy Policy. Whether or not you register or create any kind of account with us, this Privacy Policy applies to all users of the website and the Service.

II. INFORMATION WE COLLECT
We may collect both “Non-Personal Information” and “Personal Information” about you. “Non-Personal Information” includes information that cannot be used to personally identify you, such as anonymous usage data, general demographic information we may collect, referring/exit pages and URLs, platform types, preferences you submit and preferences that are generated based on the data you submit and number of clicks. “Personal Information” includes information that can be used to personally identify you, such as your name, address and email address.

In addition, we may also track information provided to us by your browser or by our mobile application when you view or use the Service, such as the website you came from (known as the “referring URL”), the type of browser you use, the device from which you connected to the Service, the time and date of access, and other information that does not personally identify you.  We use this information for, among other things, the operation of the Service, to maintain the quality of the Service, to provide general statistics regarding use of the Service and for other business purposes. We track this information using cookies, or small text files which include an anonymous unique identifier. Cookies are sent to a user’s browser from our servers and are stored on the user’s computer hard drive. Sending a cookie to a user’s browser enables us to collect Non-Personal Information about that user and keep a record of the user’s preferences when utilizing our services, both on an individual and aggregate basis.  The Company may use both persistent and session cookies; persistent cookies remain on your computer after you close your session and until you delete them, while session cookies expire when you close your browser. Persistent cookies can be removed by following your Internet browser help file directions. If you choose to disable cookies, some areas of the Service may not work properly.

III. HOW WE PROTECT INFORMATION
We implement reasonable precautions and follow industry best practices in order to protect your Personal Information and ensure that such Personal Information is not accessed, disclosed, altered or destroyed.  However, these measures do not guarantee that your information will not be accessed, disclosed, altered or destroyed by breach of such precautions. By using our Service, you acknowledge that you understand and agree to assume these risks.

IV. YOUR RIGHTS REGARDING THE USE OF YOUR PERSONAL INFORMATION
We are PDPC Compliant and have the right processes and protocol to stay so. You have the right at any time to prevent us from contacting you for marketing purposes. When we send a promotional communication to a user via MY INSURER, the user can opt out of further promotional communications by following the unsubscribe instructions provided in each promotional e-mail.   Please note that notwithstanding the promotional preferences you indicate by either unsubscribing or opting out in the Settings section of the Site, we may continue to send you administrative emails including, for example, periodic updates to our Privacy Policy.

V. MY INSURER HOSTING
Our 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   

VI. LINKS TO OTHER WEBSITES
As part of the Service, we may provide links to or compatibility with other websites or applications. However, we are not responsible for the privacy practices employed by those websites or the information or content they contain. This Privacy Policy applies solely to information collected by us through the Service. Therefore, this Privacy Policy does not apply to your use of a third-party website accessed by selecting a link via our 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 our users to read the privacy statements of other websites before proceeding to use them.

VII. AGE OF CONSENT
By using the Service, you represent that you are at least 18 years of age.  

VIII. CHANGES TO OUR PRIVACY POLICY
The Company reserves the right to change this Privacy Policy and our Terms of Use at any time. If we decide to change this Privacy Policy, we will post these changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it. Any such modifications become effective upon your continued access to and/or use of the Service five (5) days after we first post the changes on the website or otherwise provide you with notice of such modifications. It is your sole responsibility to check this website from time to time to view any such changes to the terms of this Privacy Policy. If you do not agree to any changes, if and when such changes may be made to this Privacy Policy, you must cease access to this website. If you have provided your email address to us, you give us permission to email you for the purpose of notification as described in this Privacy Policy.

IX. MERGER OR ACQUISITION
In the event we undergo a business transaction such as a merger, acquisition by another company, or sale of all or a portion of our assets, your Personal Information may be among the assets transferred. You acknowledge and consent that such transfers may occur and are permitted by this Privacy Policy, and that any acquirer of our assets may continue to process your Personal Information as set forth in this Privacy Policy. If our information practices change at any time in the future, we will post the policy changes here so that you may opt out of the new information practices. We suggest that you check this Privacy Policy periodically if you are concerned about how your information is used. 

X. EMAIL COMMUNICATIONS & OPTING OUT
We will send you Service-related announcements on occasions when it is necessary to do so. For instance, if our Service is temporarily suspended for maintenance, or a new enhancement is released, which will affect the way you use our Service, we might send you an email.  Generally, you may not opt-out of these communications, which are not promotional in nature.  Based upon the Personal Information that you provide us, we may communicate with you in response to your inquiries to provide the services you request and to manage your account. We will communicate with you by email or telephone, in accordance with your wishes.  We may also use your Personal Information to send you updates and other promotional communications. If you no longer wish to receive those email updates, you may opt-out of receiving them by following the instructions included in each update or communication.

XI. CONTACT US & WITHDRAWING CONSENT
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.

Last Updated: This Privacy Policy was last updated on Feb 23 2020.
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