Terms & Conditions

Last Updated: September 2026

By accessing or using this website (“Website”), you acknowledge and agree to these Terms & Conditions.

This Website is a professional branding and informational platform for the insurance professional identified on this Website (“Advisor”).

The Advisor may represent the insurance company identified on the Website (“Insurer”).

1. Purpose of This Website

This Website is primarily intended to provide general information regarding:

• the Advisor's professional profile and experience;
• professional philosophy and approach;
• agency or organisational background;
• general insurance and protection concepts;
• professional achievements and credentials;
• educational or branding content; and
• ways to contact the Advisor.

This Website is not intended to replace personalised professional advice, official insurance documentation or the Insurer's official website and systems.

2. General Information Only

Information presented on this Website is provided for general information, education and illustration.

Nothing on this Website should automatically be regarded as:

• personalised financial advice;
• a recommendation to purchase a specific insurance product;
• a binding offer;
• a guarantee that insurance coverage will be available;
• a guarantee of underwriting acceptance;
• a guarantee of benefits, investment performance or returns; or
• a guarantee that a claim will be admitted or paid.

Individual circumstances differ and should be assessed separately before any insurance decision is made.

3. Insurance Products

References to insurance, protection, health, wealth, legacy or other financial protection matters are general in nature unless otherwise stated.

Specific insurance products are subject to their applicable terms, conditions, exclusions, limitations, eligibility requirements, underwriting requirements and official policy documentation.

Where there is any difference between information appearing on this Website and official documentation issued by the relevant Insurer, the official documentation shall prevail.

4. Professional Representation

The Advisor operates within the scope of his or her appointment and authorisation with the relevant Insurer.

This Website is a professional profile and branding website and should not be interpreted as the official corporate website of the Insurer unless expressly stated otherwise.

5. Agency and Professional Organisation

Insurance professionals commonly operate within agency and management structures established by their respective Insurers or agency organisations.

Where applicable, this Website may display information about or provide links to the Advisor's agency, immediate manager, agency leader or other relevant professional profiles.

These links are provided to offer additional professional and organisational context.

Job titles and management designations may differ between Insurers and organisations. References to professional or management roles on this Website should therefore be understood according to the terminology used by the relevant Insurer or organisation.

6. Professional Profiles and Website Links

Where professional profiles are connected through this Website, each profile remains a separate professional branding page for the individual identified on that page.

Links between professional profiles are provided for convenience and to help visitors understand relevant professional or organisational relationships.

Such links should not be interpreted as a regulatory registry, public agent directory or independent verification service.

7. Professional Achievements and Credentials

Professional titles, qualifications, awards, achievements, years of experience, customer or family counts, organisational positions and similar information displayed on this Website relate to the individual or organisation identified.

They are provided for professional background and branding purposes.

Past achievements, qualifications, awards or experience do not guarantee future performance, insurance acceptance, investment performance or claim outcomes.

Third-party names, professional designations, logos and marks remain the property of their respective owners.

8. Accuracy of Information

Reasonable efforts may be made to maintain accurate and current information.

However, professional appointments, organisational structures, credentials, insurance information and other content may change from time to time.

Visitors requiring confirmation of material insurance information should consult the Advisor and, where appropriate, the relevant Insurer.

9. External Links

The Website may contain links to Insurers, professional organisations, other professional profiles, WhatsApp, social media platforms and other third-party services.

External websites operate independently and may have their own terms, privacy policies and practices.

The inclusion of a link does not automatically constitute endorsement of all content appearing on that external website.

10. Intellectual Property

Unless otherwise stated, Website design, original written content, branding elements, graphics and other original materials created specifically for this Website are protected by applicable intellectual property rights.

Insurance company names, logos, product names, professional body marks and other third-party intellectual property remain the property of their respective owners.

Website content may not be reproduced, distributed, modified or commercially exploited without appropriate permission.

11. Appropriate Use

Visitors must not misuse the Website, attempt unauthorised access to restricted systems or information, interfere with Website operation or security, impersonate another person, submit intentionally misleading information, or systematically collect Website information for unauthorised commercial or database purposes.

12. Limitation of Liability

To the fullest extent permitted by applicable law, neither the Advisor nor the Website operator shall be liable for losses arising solely from reliance on general Website information without obtaining appropriate professional advice or reviewing applicable official documentation.

Nothing in these Terms excludes or limits any responsibility that cannot lawfully be excluded or limited.

13. Privacy

Use of this Website is also subject to the Website's Privacy Policy.

Where information is subsequently submitted to or processed by an Insurer, that Insurer's own Personal Data Protection Notice and applicable terms may also apply.

14. Changes to These Terms

These Terms & Conditions may be amended from time to time.

The latest version published on the Website will apply.

15. Governing Law

These Terms & Conditions are governed by the laws of Malaysia.

Version 2026-09