Terma & Syarat.

Subject to these Terms and our policies (including policies made available to you within the Services), we grant you a limited, non-transferable, non-exclusive, and revocable permission to access and use our Services, provided that:

1. You will not copy, distribute or modify any part of the Services without our prior written authorization;
2. You will not send unsolicited or unauthorized advertisements, spam, chain letters, etc.;
3. You will not transmit any Content which contains software viruses, or other harmful computer code, files, or programs;
4. You will not disrupt servers or networks connected to the Services; and
5. You comply with these Terms.

Using our Services does not give you ownership of any intellectual property rights in our Services or the Content you access (other than your User Content), which shall remain with us and our respective licensors.

Certain software code incorporated into or distributed with the App or otherwise with the Services may be licensed by third parties under various “open-source” or “public-source” software licenses (collectively, the “Open Source Software”). Notwithstanding anything to the contrary in these Terms, the Open Source Software is not licensed under these Terms and instead is separately licensed pursuant to the terms and conditions of their respective open-source software licenses. You agree to comply with the terms and conditions of such open-source software license agreements.

All right, title, and interest in and to Services including worldwide Intellectual Property Rights therein, are and will remain the exclusive property of FMA and its applicable licensors. We reserve all rights not expressly granted in and to the Services.

In order to access the Service, you will have to create an account. You hereby represent and warrant that the information you provide to FMA upon registration (including information provided through your linked Facebook account, as applicable, or other third party Linked Accounts, as defined below), and at all other times, will be true, accurate, current, and complete. Your “Account Information” also includes any information you provide to us during the insurance application or claims process. You also hereby represent and warrant that you will ensure that this information is kept accurate and up-to-date at all times.

FMA values and protects the privacy of your information. Please review the FMA Privacy Policy, as it contains important information relating to your use of our Site and Products. Some portions of the Site and Products are protected and require a user identification code (“User ID”) and pin/password for access. Unauthorized access or use of such portions of the Site is prohibited. You agree that you will notify FMA immediately if you believe that a third party has obtained your User ID or password, or if you believe that any unauthorized access or use may occur or has occurred by contact our Support team. For your protection, if FMA believes that any unauthorized access may occur or has occurred, FMA may terminate such access without prior notice to you. You also agree that FMA is permitted to act upon any instructions received using your User ID and password and to consider such instructions as authorized by you.

FMA may, now or in the future, allow you to link your account on the Service to your account(s) on third party services, such as social networking sites (“Linked Accounts”). If you link your account on the Service to a Linked Account, you are authorizing FMA to store and use your access credentials to access your Linked Account on your behalf as your agent to integrate your experience with the Service with content, information, and features available through such Linked Account. This may include importing the contacts, preferences, interests or “likes” of the Linked Account, and/or pushing updates regarding your use of the Service out to your Linked Accounts. Linking, accessing or using a third party service through the Service in this manner may be subject to additional terms established by the applicable third party, and it is your sole responsibility to comply with such third party terms.

All quotes generated by FMA Products are based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on our website are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to FMA whether on FMA’s web site, mobile app or otherwise. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state. Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for insurance offered on FMA, care not to make a misrepresentation in answering the questions in our purchase flow. You must answer all questions fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance. The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied of renewed with us. In addition to answering the questions in FMA’s purchase flow, you are required to disclose any other matter that you know to be relevant to our decision in accepting the risks and determining the rates, and terms to be applied. You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us any of the information given is inaccurate or has changed.

If you elect to report an insurance claim, the information you submit regarding your insurance policy and the loss is subject to review and verification. FMA reserves the right to request additional information prior to submitting claim to the insurance underwriter/company. A claim representative from insurance underwriter/company may be communicating with you regarding your claim. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please visit the FMA Support page.

When we process your insurance application you are asked certain question relating to your circumstances. We may request additional information in order to offer you a competitive price consistent with you circumstance and requirements. However, please be aware that our offered rate is subject to change suggested or imposed by the insurance company who underwrites your insurance policy. We therefore have no control over such changes that may occur from time to time. The rate that we offer you is deemed current at the time of your application. Any changes shall be passed on to you without limitations. All payments for premiums and printed roadtax is not refundable. By accepting this quotation, you have understood and accepted the terms and conditions. Note: In accordance with Insurance Act 1996 (Part XII, Section 141 Assumption of Risks, Subsection 4) all refund premium shall pay directly to the policyholder.

The Service may request that you submit content such as text, photos, audiovisual content, and other media content (“User Content”). By providing User Content to FMA, you are granting FMA a license to use the User Content in order to make it available through the Service.

By uploading Content, you are granting FMA a license to display, perform and distribute your Content and to modify (for technical purposes), and reproduce such Content to enable FMA to operate the Service. You agree that these rights and licenses are royalty free, worldwide, and irrevocable, and include a right for FMA to make such Content available to, and pass these rights along to, others with whom FMA has contractual relationships related to the provision of the FMA service, solely for the purpose of providing such services, and to otherwise permit access to or disclose your Content to third parties if FMA determines such access is necessary to comply with its legal obligations.

When you submit any ideas, suggestions, documents and/or proposals relating to the Service (or other products or services) to FMA through the “Contact Us,” User Forum or Support interfaces or through any other channel or mechanism (collectively, “Contributions”), you acknowledge and agree that:

1. Your Contributions do not contain confidential or proprietary information;
2. FMA is not under any obligation of confidentiality, express or implied, with respect to the Contributions;
3. FMA shall be entitled to use or disclose (or choose not to use or disclose) such Contributions for any purpose, in any way;
4. FMA may have something similar to the Contributions already under consideration or in development;
5. Your Contributions automatically become the property of FMA without any obligation of FMA to you;
6. You are not entitled to any accounting, compensation, or reimbursement of any kind from FMA under any circumstances.

Do not misuse our Services. You agree not to use the Service or any aspect or feature thereof for any unlawful purpose or in any way that might harm, damage, or disparage any other party. Without limiting the proceeding sentence, you agree that you will not, do or attempt to:

1. Review and comply with these Terms and the Privacy Policy;
2. Comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, export control laws, tax laws, and regulatory requirements;
3. Provide accurate information to us and update it as necessary.

By using the Services you agree NOT to:

1. Create an account for anyone other than a natural person (unless you are a company, organization, legal entity or a brand and represent that company, organization, legal entity or brand).
2. Defame, stalk, bully, abuse, threaten, harass, abuse, intimidate, harm another person or engage in any other predatory behavior, including sending unwelcomed communications to others or engage in any other predatory behavior, or incite others to commit violent acts.
3. Use or attempt to use another’s account or create a false identity;
4. Duplicate, license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, or otherwise transfer information found in the Services, except as permitted in these Terms, or as expressly authorized by us;
5. Reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for any underlying intellectual property used to provide the Services, or any part thereof;
6. Utilize or copy information, content or any data you view on or obtain from the Services to provide any service that is competitive, in our sole discretion, with the Services;
7. Adapt, modify or create derivative works based on the Services or technology underlying the Services, in whole or part;
8. Rent, lease, loan, trade, sell/re-sell any information in the Services, in whole or part;
9. Use the communication systems provided by the Services for any commercial solicitation purposes;
10. Sell, sponsor, or otherwise monetize any service or functionality in the Services, without our express written consent;
11. Remove any copyright, trademark or other proprietary rights notices contained in or on the Services (whether ours or our licensors’);
12. Remove, cover or otherwise obscure any form of advertisement included on the Services;
13. Collect, harvest, use, copy, or transfer any information, including, but not limited to, personally identifiable information obtained from the Services (excluding your User Content, and except if the owner of such information has expressly permitted the same);
14. Share other users’ or third party’s information or their User Content without their express consent;
15. Infringe or use our brand, logos or trademarks in any business name, email, or URL except as expressly permitted by us;
16. Use or launch any manual or automated system or software, devices, scripts robots, other means or processes to access, “scrape,” “crawl”, “cache”, “spider” or any web page or other service contained in our Services, or to access the Services in a manner that sends more request messages to our servers in a given period of time than a human can reasonably produce in the same period by using a conventional on-line web browser;
17. Use bots or other automated methods to access the Services, add or download contacts, send or redirect messages, or perform other similar activities through the Services;
18. Access, via automated or manual means or processes, the Services for purposes of monitoring its availability, performance or functionality for any competitive purpose;
19. Engage in “framing,” “mirroring,” or otherwise simulating the appearance or function of the website;
20. Attempt to or actually access the Services by any means other than through the interfaces provided by us. This prohibition includes accessing or attempting to access the Services using any third-party service, including software-as-a-service platforms that aggregate access to multiple services;
21. Engage in any action that directly or indirectly interferes with the proper working of or places an unreasonable load on the Services’ infrastructure, including, but not limited to, sending unsolicited communications to other users or our personnel, attempting to gain unauthorized access to the Services, or transmitting or activating computer viruses, Trojan horses, worms, time bombs or any other harmful or deleterious software programs through or on the Services; and/or

In connection with your use of the Services, we may send you service announcements, administrative messages, and other information. You may opt out of some of those communications.

The Services may contain links to third party websites, advertisers, services, special offers, or other events or activities that are not owned or controlled by us. We are not affiliated with those websites, do not endorse them, have no control over those websites, and assume no responsibility and/or liability for the content, privacy policies, or practices of any third party websites. In addition, we will not and cannot censor or edit the content of any third-party site.

If you access any third party’s website, service, or content from our Services, you do so at your own risk. By using the Services, you expressly release us (and our owners, employees, agents, affiliates, and/or licensors) from any and all liability arising from your use of any third-party website, information, materials, products, or services. Accordingly, we encourage you to be aware when you have left the Services and to read the terms and conditions and privacy policy of each other website that you visit.

We reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to:

1. Satisfies any applicable law, regulation, legal process, subpoena or governmental request;
2. Enforce these Terms, including investigation of potential violations of it;
3. Detect, prevent, or otherwise address fraud, security or technical issues;
4. Cooperate with law enforcement authorities;
5. Respond to user support requests;
6. Protect our, our users’ or the public’s rights, property or safety.

To the maximum extent permitted by law, the Service Is Available “As Is. YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

1. Your use of the service and the purchase and use of any products or services are all at your sole risk. The service is provided and products are sold on an “as is” and “as available” basis. To the maximum extent permitted by law, FMA expressly disclaims all warranties and conditions of any kind, whether express or implied, including, but not limited to the implied warranties and conditions of merchantability, fitness for a particular purpose and non-infringement.
2. FMA does not warrant that
   1. The service will meet all of your requirements;
   2. The service will be uninterrupted, timely, secure or error-free; or
   3. All errors in the software or service will be corrected.
3. Any material downloaded or otherwise obtained through the use of the service is done at your own discretion and risk and you are solely responsible for any damage to your computer or other device or loss of data resulting from the download or use of any such material.
4. No advice or information, whether oral or written, obtained by you from FMA or through or from the service shall create any warranty not expressly stated in these terms of service. You expressly understand and agree that FMA, its subsidiaries, affiliates and licensors, and our and their respective officers, employees, agents and successors 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, cover or other intangible losses (even if FMA has been advised of the possibility of such damages) resulting from:
   1. The use or the inability to use the service;
   2. Unauthorized access to or the loss, corruption or alteration of your transmissions, content or data;
   3. Statements or conduct of any third party on or using the service, or providing any services related to the operation of the service;
   4. FMA’s actions or omissions in reliance upon your account information and any changes thereto or notices received therefrom;
   5. Your failure to protect the confidentiality of any passwords or access rights to your account information;
   6. The acts or omissions of any third party using or integrating with the service;
   7. The termination of your account in accordance with the terms of these terms of service; or
   8. Any other matter relating to the service.

IN ANY EVENT AND WITHOUT LIMITING THE GENERALITY OF THIS SECTION TO THE EXTENT PERMITTED BY LAW YOU AGREE THAT OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES AND LOSSES SHALL NOT IN ANY CIRCUMSTANCES EXCEED THE GREATER OF (A) $100, OR (B) THE AGGREGATE OF THE AMOUNT (IF ANY) PAID BY YOU IN THE 6 MONTHS IMMEDIATELY PRECEDING BRINGING OF A CLAIM AGAINST US OR OUR AFFILIATES. NOTHING IN THESE TERMS OF SERVICE (INCLUDING THE LIMITATION OF LIABILITY PROVISIONS) IS INTENDED TO EXCLUDE OR LIMIT ANY CONDITION, WARRANTY, RIGHT OR LIABILITY WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE CAUSED BY WILLFUL ACTS, NEGLIGENCE, BREACH OF CONTRACT OR BREACH OF IMPLIED TERMS, OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, ONLY THOSE LIABILITY AND OTHER LIMITATIONS WHICH ARE LAWFUL IN YOUR JURISDICTION (IF ANY) WILL APPLY TO YOU AND OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

FMA reserves the right, in its sole and absolute discretion, to transfer, assign, sublicense or pledge in any manner whatsoever, any of its rights and obligations under these Terms of Use to a subsidiary, affiliate, successor thereof or to any third party whatsoever, without notifying you or receiving your consent. You shall not transfer, assign, delegate, sublicense nor pledge in any manner whatsoever, any of your rights or obligations under these Terms of Use.

You agree to defend, indemnify and hold harmless us, our affiliates, and our and their respective owners, officers, directors, employees, agents, and/or licensors, from and against any and all claims, damages, obligations, losses, liabilities, costs and expenses (including but not limited to attorney’s fees) arising from:

1. Your use of the Services;
2. Your violation of these Terms;
3. Your violation of any third party right, including without limitation any copyright, property, publicity or privacy right; including all actions taken under your account.

This defense, hold harmless and indemnification obligation will survive any termination of these Terms and your use of the Services.

These Terms of Use and your use of the Site are governed in all respects by the laws of the Malaysia, without giving effect to any principles of conflicts of laws. Any dispute concerning the App or these Terms of Use shall be subject to the exclusive venue of a court of competent jurisdiction in Wilayah Persekutuan, Malaysia.

We reserve the right to discontinue or modify any aspect of the Services at any time. These Terms, together with the Privacy Policy, and any other legal notices published by us on the Services, shall constitute the entire agreement between us concerning the Services. If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and a party’s failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

By using the App, you agree to have all records, including the insurance policy, provided to you in electronic form. This consent, unless withdrawn, applies to all transactions between you and FMA. However, you have the right to receive communications from us, including the insurance policy, in paper form if you wish by withdrawing this consent. If you withdraw the consent to provide you with records in electronic form, you will then be provided with records in paper form. To withdraw your consent, you must email us at admin@fma-takaful.com with the following subject line “WITHDRAW ELECTRONIC CONSENT.” The body of the email must include your name, policy number, effective and expiration dates of the policy, the effective date of your withdrawal and whether you want (a) all communications to be in paper form and (b) your insurance policy to be sent to you in paper form. FMA reserves the right to charge a fee of RM500.00 for paper transmission of the insurance policy, any installment paper invoice and any policy endorsement or communication if requested by you.