Terms of Use

This page is last updated on 2 January 2019.

Please read these terms and conditions ("Terms of Use") carefully as they apply to your access and/or use of any information, materials or features/functions included on zurich.com.my and any subpages thereof. By accessing zurich.com.my, you acknowledge your agreement with and your understanding of these Terms of Use. If you do not agree to these Terms of Use, please do not access or use zurich.com.my.

zurich.com.my is owned and operated by Zurich Life Insurance Malaysia Berhad ("ZLIMB")  on behalf of Zurich Holdings Malaysia Berhad, Zurich General Insurance Malaysia Berhad, Zurich Takaful Malaysia Berhad and all other Zurich Group Subsidiaries operated in Malaysia, also referred to as "Zurich Malaysia" ("us", "we", or "our"). Zurich Malaysia is part of the Zurich Group ("Zurich"), a leading multi-line insurer that is headquartered in Zürich, Switzerland. 

These Terms of Use are subject to amendments and changes at any time at Zurich Malaysia's sole discretion. Your continued use of zurich.com.my after we make changes is deemed to be your acceptance of those changes, so please check these Terms of Use periodically for updates.

zurich.com.my is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence, citizenship or otherwise) the publication or availability of zurich.com.my and its content is contradictory to local laws or regulations. Persons with respect of whom such restrictions or prohibitions apply must not access or use zurich.com.my. You are accessing or using zurich.com.my on your own initiative and you are solely responsible for compliance with the applicable local laws and regulations that apply to you.

THE MATERIAL AND INFORMATION ON ZURICH.COM.MY ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ARE DISCLAIMED. NO REPRESENTATION OR WARRANTY IS MADE REGARDING CONTENT, FUNCTIONALITY, LINKS, OR COMMUNICATIONS AND NO REPRESENTATION OR WARRANTY AS TO DEFECTS OR ERRORS OR CORRECTION OF THE SAME, COMMUNICATION INTERRUPTIONS OR INTERCEPTIONS OR LOSS OF DATA, OR THE ABSENCE OF VIRUSES OR OTHER HARMFUL COMPONENTS ARE MADE.

In no event shall Zurich Malaysia, nor any of its subsidiaries or affiliates, be liable to any party for any cost or damages, including any direct, indirect, special, incidental, or consequential damages, arising out of or in connection with the access or use of, or the inability to access or use zurich.com.my or any of its functions or features, including in connection with any browsing or downloading of any information, data, text, images, or other material accessible through zurich.com.my or any website linked to or linking into zurich.com.my.

It is the responsibility of the user of zurich.com.my to evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided. All information provided on zurich.com.my is under the condition and understanding of it not being interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters.

The information and features/functions contained on zurich.com.my are provided for your informational and educational convenience only. Nothing on zurich.com.my should be relied on in making any specific investment, financial planning or other decision. Users should always consider their overall personal circumstances, investment horizon and personal risk preferences.

Accordingly, no liability whatsoever is assumed for any use or misuse of such information. Users of zurich.com.my should consult their professional advisors with respect to their personal circumstances. Please also check any disclaimers on or in respect of specific documents on zurich.com.my.

The materials appearing on zurich.com.my could include technical, typographical, or photographic errors. Zurich Malaysia does not warrant that any of the materials on zurich.com.my are accurate, complete, or current. Zurich Malaysia may make changes to the materials contained on zurich.com.my at any time without notice. Zurich Malaysia does not, however, make any commitment to update the materials.

Zurich Malaysia may revise these Terms of Use for zurich.com.my at any time without notice. By using zurich.com.my you are agreeing to be bound by the then current version of these Terms of Use.

Nothing on zurich.com.my should be construed as a solicitation, offer, advice, recommendation, or any other service to acquire or dispose of any investment or to engage in any other investment or transaction. For information about any specific products and/or country please visit the respective website. Nothing on zurich.com.my constitutes a promise or offer of employment.

zurich.com.my may contain forward-looking statements. Forward-looking statements provide current expectations of future events based on certain assumptions and include any statement that does not directly relate to a historical or present fact. While such statements may represent Zurich Malaysia's judgment and expectations as of publication, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from Zurich Malaysia's expectations. Therefore, you must not place any reliance on forward-looking statements on zurich.com.my. Zurich Malaysia is under no obligation to update or alter forward-looking statements on zurich.com.my whether as a result of new information, future events, or otherwise.

"Zurich" and its logos are registered trademarks of Zurich. Except as indicated otherwise, all intellectual property, especially copyright and trademark rights, and similar rights in the information, text, graphic images, logos, features or functions, and layout (including the "feel and look") contained on zurich.com.my are the exclusive property of Zurich, and may not be copied, reproduced, posted, transmitted or distributed, in whole or in part, in any form (electronic or written) without first having obtained Zurich's express written consent (except for the below).

Nothing on zurich.com.my should be construed as granting a license or any other right to use any copyrights, trademarks or logos. Moreover, the downloading or printing of any materials on zurich.com.my will not result in the transfer, explicit or implied, of any rights. You may, however, download or print any pages from zurich.com.my for personal, non-commercial use only, provided you do not remove any copyright or other proprietary right notice.

The copyright in some documents and other material available on zurich.com.my belongs to third parties and such documents and other material have been produced on zurich.com.my with the permission of the third party copyright owners. You must check copyright notices on or in respect of such documents or material.

The links from zurich.com.my to other websites are provided for your information and convenience only.

Zurich Malaysia does not assume any responsibility or liability with respect to any website linked from zurich.com.my (or any website linking into zurich.com.my), including its content and operation. Zurich Malaysia does not review or monitor such links. Some websites may be outside your country and subject to different regulators and rules.

A link from zurich.com.my to another website (or a link from another website to zurich.com.my) does not constitute a referral, endorsement, approval, advertising, offer or solicitation with respect to such website, its contents, or any products or services advertised or distributed through that website. Zurich Malaysia believes that the links provided to other publicly accessible websites, webpages, newsgroups, and other sources is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Some of the content on zurich.com.my may originate from third parties, not from Zurich Malaysia. Such content is generally labeled as third party content. Zurich Malaysia does not verify third party content and neither endorses nor rejects the same. Zurich Malaysia does not and cannot guarantee the accuracy of any third party content and assumes no liability in connection thereto.

Your privacy is very important to us. Please read these privacy terms carefully in order for you to understand how we collect, use, communicate and disclose and make use of Personal Information in zurich.com.my

8.1 Zurich.com.my And Other Zurich Websites

Detailed information about the insurance / takaful products that Zurich offers are available on the local websites of Zurich such as zurich.com.my for Malaysia or zurich.com.au for Australia. These sites are operated by Zurich's local insurance / takaful carriers for the purposes of the insurance / takaful business they carry out. Many of these local sites allow (prospective) customers to interact online with Zurich's local insurance / takaful carriers, e.g. to obtain a quote or to file a claim. This interaction invariably requires that different types of personal data are uploaded to the local websites.

zurich.com.my is operated by ZLIMB on behalf of Zurich Malaysia. Accordingly, zurich.com.my is primarily designed for customers, prospects and others stakeholders (e.g., agents) of Zurich Malaysia.

8.2 Personal Information

Personally identifiable information may include, but is not limited to, your name, email address, postal address and phone number ("Personal Information"). Zurich Malaysia will not collect any Personal Information about you through zurich.com.my unless you voluntarily choose to provide us with it (e.g., by registration, survey or by sending us an email to a contact email address indicated on zurich.com.my), you provide your consent, or unless otherwise permitted by applicable laws and regulations. For more information, you may visit our Personal Data Protection Notice on www.zurich.com.my/PDPA.

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

8.3 Technical Data

When you use zurich.com.my, we automatically collect metadata about your browsing session such as your browser, the IP address of your computer, your internet service provider, the site from which you navigated to zurich.com.my, the duration of your visit to zurich.com.my and what type of device you are using (e.g. a computer, a smart phone or a tablet and the respective operating system). We also keep a record of the pages that you view during your visit. This information is used to improve the way in which our website operates, for statistical and systems administration purposes. We use third party tools like Google Analytics, Adobe Analytics or Webtrends for the purposes of website improvement.

8.4 Cookies

zurich.com.my also makes use of cookies. Cookies are small data files which may include an anonymous unique identifier. Typically, they are sent by a website, like ours, and stored on the user's device. Whenever the user requests a page from the site, the cookies are sent back to the site. We do not use cookies to obtain your email address or other personal information without your knowledge.

Our aim is to use cookies on this site responsibly as a way to better serve you. For example:

• To personalize our web site so as to save you time
• To determine previous or subsequent sites visited by those visiting our site
• To determine which parts of our web site are of most use to our visitors and customers and thus improve them accordingly

You have a choice on cookies:

If you prefer not to receive cookies or to be alerted each time a cookie is sent, you can adjust your browser in its privacy/security settings accordingly. If you disable cookies, you will still be to visit and make use of zurich.com.my. However, you may be unable to benefit from some of zurich.com.my’s features or functions, which improve the user experience.

8.5 Job Seekers

If you apply for a job vacancy with zurich.com.my you will automatically be navigated to an IT-infrastructure independent of zurich.com.my. The job application process is subject to separate privacy rules than those of zurich.com.my. They are automatically displayed when you apply online.

8.6 Privacy

In addition to the rules of these privacy terms, the processing of personal data associated with the operation of zurich.com.my, if any, is governed in general by the Personal Data Protection Act 2010. For more information, you may visit our Personal Data Protection Notice on www.zurich.com.my/PDPA.

8.7 Links To External Websites And Social Media Plug Ins

zurich.com.my contains links to other websites that are not operated by us. Zurich Malaysia has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party sites or services. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

zurich.com.my uses social media plugins. They are displayed on our site with the logo of the corresponding social network. If you are logged into a social network (with your user credentials) when you visit zurich.com.my, the respective network will automatically be notified of your visit to zurich.com.my. The data processing associated with social media plugins is in the responsibility of the respective social media network, is subject to their privacy policies and outside the control of Zurich Malaysia.

8.8 Data Controller

ZURICH LIFE INSURANCE MALAYSIA BERHAD, 11th Floor, Menara Zurich, 12 Jalan Dewan Bahasa, 50460 Kuala Lumpur, Malaysia, is responsible as the data controller of the processing of personal data in connection with zurich.com.my, if any, on behalf of Zurich Malaysia.

8.9 Contact

For any questions in connection with the privacy on zurich.com.my, please contact us as follows:

Except as provided by law and subject to our privacy and data protection policy (see section above), all submissions or transmissions made to or through zurich.com.my shall become the property of Zurich Malaysia. Zurich Malaysia reserves the right to use any material (e.g., any comment, idea, concept, technique or know-how) submitted for any purpose, including but not limited to reproduction, distribution, publication and posting.

Zurich Malaysia is not obligated to monitor any submissions or transmissions to or through zurich.com.my or any website to which zurich.com.my links or that links into zurich.com.my. Zurich Malaysia, however, reserves the right to monitor the same, including any chat rooms or similar website features. You acknowledge that no obligation of any kind shall be attached to such information and that by submitting or transmitting such information, no confidential, contractually implied or other relationship is created between you and Zurich Malaysia.

When accessing or making use of any part of zurich.com.my, you may not:

• post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any national or international law;
• post or transmit any information or software which contains a virus, worm, trojan horse or other harmful component;
• interfere with the functioning of zurich.com.my or restrict or inhibit any other user from using zurich.com.my;
• post, publish, transmit, reproduce, distribute or exploit any information, software or other material obtained through zurich.com.my for commercial purposes without the prior written consent of Zurich Malaysia;
• post or upload content on zurich.com.my, in which you don't own the respective rights.

You will indemnify Zurich Malaysia for any costs or damages that Zurich Malaysia incurs as the result of any such inappropriate content per the above being uploaded by you.

ANY ATTEMPT BY ANY PERSON TO DAMAGE THIS SITE OR UNDERMINE ITS OPERATION MAY BE A VIOLATION OF CRIMINAL OR CIVIL LAWS. ZURICH MALAYSIA RESERVES THE RIGHT TO TAKE LEGAL ACTION AGAINST ANY SUCH PERSON.

zurich.com.my and any controversy or claim in connection with it is governed by the substantive laws of Malaysia, without reference to its principles of conflicts of laws. The exclusive place of jurisdiction is Malaysia.