Terms and Conditions

This service has terms and conditions "conditions" that have been set by MyDFZ as the owner of this digital service and platform. We assume that when you use the digital platform and use our services, it means that you have understood the terms and conditions set by MyDFZ. To be more confident, please read the terms and conditions we set.

“You” refers to users who agree to engage in or use this digital platform in accordance with the terms and conditions, user representatives and any entity related to the use of the services we provide. Any reference made in the terms and conditions of this digital platform "MyDFZ" will be deemed to have been made to DFZ Agency Sdn Bhd, (its subsidiaries, successors, assigns, and associates, as well as any company that controls MyDFZ, directly or indirectly, and any other subsidiary company controlling the company.

The digital platforms and services described on this website, may not be operational or applicable in some areas of Malaysia and you may be among those who are not eligible to use our services. We reserve the right to determine eligibility. By accessing or using our digital platform, you agree to be bound by the terms and conditions set and to accept our privacy policy. This privacy policy covers important information about the use of information in determining your rights and choices. If you do not agree to our terms and conditions, do not access or use this digital platform or access any of the information contained herein.

MyDFZ reserves the right, at its discretion, to modify these terms and conditions from time to time, these modifications will take effect upon modifications to our website, and will apply for reasons of action arising after the effective date of the change. You should continue to check this digital platform for any changes. Continued use of our digital platform or other services following the announcement of changes to these terms and conditions, means that you accept those changes. By accessing or using our digital platform, you confirm that: - you have agreed to enter into a contract with us; and - you are over 18, as this service is not intended for children under 18. If it becomes our concern in a reliable way that the registered user is a child under the age of 18, we will cancel the service or access the service. If you use the services on behalf of the company (or any legal entity other than using it personally), you state that you are authorized to enter into an agreement on behalf of that legal entity, and however you will be individually bound by the terms and these conditions even if you have a separate agreement with the company.

To use this digital platform, you must have access to a wireless network or internet connection, and you agree to pay all fees associated with such access and it does not depend on us. You also agree to pay all fees (if any) charged in connection with the prescribed services. You agree to abide by, and your license to use the "App" is conditional on third parties (if any).

The titles and captions used in the terms and conditions of this digital platform are included for convenience only and will not affect the meaning or interpretation of these terms and conditions of service. Do not rely on the Website for your financial results. The content on the MyDFZ website, its applications and others is for convenience and information purposes only. Nothing in it should be construed as tax, legal, investment, or accounting advice. The posting of any prospectus or any other information is not a suggestion or opinion for you to buy or sell any product or participate in any transaction.

Warranty and Disclaimer

This service is provided by us in order to use a reasonable level of skill and care commercially and we hope you will enjoy using it. But there are certain things we do not promise about our Services.

Other than as specified in these additional terms or conditions, MyDFZ or the service provider does not make any specific promises regarding the services provided. For example, we do not make any commitment regarding the content within the service, the specific functionality of the service, or the reliability, availability, or ability to meet your needs. We provide “like” Services:

MyDFZ will take reasonable steps to ensure the accuracy and validity of all information related to transactions and services originating exclusively from www.mydfz.com.my

MyDFZ does not warrant or represent access to all or any part of this website, the materials, information and / or functions contained therein will be provided without interruption.

WEB PAGE AND WEB MOBILE

The information provided by MyDFZ should not be construed as insurance advice. MyDFZ is not responsible for any inaccurate, lost or misunderstood information and does not warrant the quality or accuracy of the content. Any conclusions and decisions of the purchase of insurance such as the amount, limit and deduction of coverage are the sole and sole responsibility of the insured. MyDFZ may at its absolute discretion change the content and information of our digital platform from time to time. At the time of claim, coverage will be determined in accordance with the terms and conditions of the insurance policy and not from this digital platform. Therefore, you are encouraged to view / load specimens of your policy documentation before making any purchasing decision.


APPLICATION LICENSE

Subject to our terms and policies (including the policies provided to you in service from us), we grant you limited, non-transferable, non-exclusive and cancellation permission to access and use our services, provided that:

1 You will not copy, distribute or alter any part of the service without our prior written permission.

2 You will not send unsolicited or unauthorized advertisements, spam, chain mail, etc.;

3 You will not send any content that contains software viruses, or computer code, files or other malicious programs;

4 You will not disrupt any servers or networks connected to the Services and;

 5 You comply with these conditions. Using our Services does not grant you ownership of any intellectual property rights in our Services or the Content you access (other than Your User Content), which will remain with us and the respective licensors.

SOFTWARE CONTENT SOURCES

Certain software codes embedded in our digital platform or otherwise with services may be licensed by third parties under “open source” or “public source” software licenses (collectively, “Open Source Software”). Notwithstanding anything that contradicts these terms and conditions, open source software is not licensed under these terms and conditions and instead is licensed in accordance with the terms and conditions of the respective open source software licenses. You agree to abide by the terms and conditions of the open source software license agreement.

Right Of MyDFZ

The rights, title, and interests of this digital platform and of the service include Intellectual Property Rights worldwide, and will remain the exclusive property of MyDFZ and its respective licensors. We have rights not expressly granted and we have rights to this service.

ACCOUNT DETAILS

To access our services, you just need to browse our website. You hereby represent and warrant that the information you provide to MyDFZ upon registration (including information provided through your Facebook account, as applicable, or other third party Related Accounts as defined below), and at any time, will be true , accurate, current and complete. Your “Account Information” also includes any information you provide to us during the insurance application or claim process. You also represent and warrant that you will ensure that this information is kept accurate and up to date at all times.

PRIVACY AND PASSWORDS

MyDFZ will protect the privacy of your information. Please review the MyDFZ privacy policy, as it contains important information related to our use of the digital Platform and services.

Some parts of the site and products are protected and require a user identification code (“User ID”) and a pin / password for access, and this is not for those who only browse our web pages. Unauthorized access or use of parts of this website is prohibited. You agree that you will notify MyDFZ immediately if you believe that a third party has obtained your User ID or password if any, or that you believe that any unauthorized access or use may or may not have occurred by contacting our support team . For your protection, if MyDFZ believes that any unauthorized access may or may not have occurred, MyDFZ may terminate such access without prior notice to you. You also agree that MyDFZ is permitted to act on any instructions received using your User ID and password and to consider the instructions as permitted by you.

ACCOUNT LINK AND SOCIAL NETWORK LINK

MyDFZ allows, at this time or in the future, to link your account to our services and to third party services, such as social networking sites (“Related Accounts”). If you link your account on the service to a Connected Account, you authorize MyDFZ to store and use your access credentials to access your associated account, as your agent is assessed to integrate your experience with designated services and content, information and features available through the Account related to that. This may include importing contacts, preferences, interests or “supporting” Related Accounts, and / or rejecting updates regarding the use of your services to your associated Account. Linking, accessing or using third party services through the Services in this way may be subject to additional terms set by the third party concerned, and it is your responsibility to comply with those third party terms and conditions.

INSURANCE QUOTATION AND LEVEL OF COVERAGE

All quotations produced by MyDFZ are based on the information you provide and are not a contract, binding, or agreement to extend insurance coverage. Any coverage information provided on our website is a general description of the cover available and not a contract statement. For protection, you must submit an application to MyDFZ either on the MyDFZ website, a mobile application or otherwise. All applications are subject to eligibility approval. Protection and setting may vary by state or county; and additional minimum protection limits available in your country.

According to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for insurance offered on MyDFZ, be careful not to misrepresent the questions in our purchase flow. You must answer all the questions completely and accurately. Failure to take due attention in answering questions may result in the cancellation of your insurance contract, the rejection or reduction of your claim, a change in the term or termination of your insurance contract. The above disclosure obligations will continue until the time your insurance contract is entered into, modified with us. In addition to answering questions in the MyDFZ purchase flow, you are required to disclose any other matters you know relevant to our decision in accepting risk and determining rates, and the terms to be used. You also have an obligation to notify us immediately if there are any difficulties, after your insurance contract has been processed, changed or renewed with us any information provided is inaccurate or has changed, it is your responsibility.

SUBMISSION OF CLAIMS

If you choose to report an insurance claim, the information you submit about your insurance policy and losses is subject to review and verification. MyDFZ reserves the right to request additional information before submitting a claim to the insurer / insurance company. Claims representatives from insurance insurers / companies may communicate with you about your claim. All policy provisions contained in your policy are still within the claim period. If you have any questions about the protection provided by your policy, please visit the MyDFZ support website (link support page from the developer).

POLICY RENEWAL AND REFUND

When we process your insurance application, you will be asked specific questions related to your situation. We may request additional information to offer you a competitive price according to your circumstances and needs. However, please note that the rates offered are subject to changes proposed or imposed by the insurance company that sponsors your insurance policy. Therefore, we have no control over any changes that may occur from time to time. The rates we offer you are deemed most up-to-date during your application. Any changes will be given to you without limitation.

All payments for printed premiums and road tax are non-refundable.

By accepting this quote, you have understood and accepted the terms and conditions.

Note: In accordance with the Insurance Act 1996 (Part XII, Section 141 Risk Assumption, Subsection 4) all refund premiums shall be paid directly to the policyholder.

GENERAL USER CONTENT

This service may require that you submit content such as text, photos, audiovisual content and other media content (“User Content”). By allowing user content to MyDFZ, you grant MyDFZ a license and the right to use such content without any conditions.

LICENSE RIGHTS FROM YOU TO MYDFZ

By uploading Content and information, you grant MyDFZ the rights and licenses to display, implement and distribute your content and modify (for technical purposes), and remove such content to enable MYDFZ to handle such content rights. You agree that these rights and licenses are royalty free, worldwide, and irrevocable and include the right for MyDFZ to make such Content available and to pass these rights together with others who have a MyDFZ contractual relationship related to the provision services offered by MyDFZ, solely for the purpose of providing such services, and otherwise authorizing access to or disclosing your Content to third parties if MyDFZ determines such access is required to comply with its legal obligations.

POLISI IDEAS SUBMITTED

When you submit any ideas, suggestions, documents and / or suggestions related to the service (or other products or services) to MyDFZ through the “Contact Us,” User Forum or Support interface or through any other channel or mechanism ( collectively, “Contribution”), you acknowledge and agree that:

1 Your donation does not contain confidential or proprietary information;

2 MyDFZ has no confidentiality, express or implied, with respect to contributions;

3 MyDFZ reserves the right to use or disclose (or choose not to use or disclose) such Contributions for any purpose, in any way;

4 MyDFZ may have something similar to the contribution under consideration or in development;

5 Your contribution automatically belongs to MyDFZ without MyDFZ obligation to you;

6 You are not entitled to receive any credit, compensation or payment of any kind from MyDFZ under any circumstances.

UNAUTHORIZED USE

Do not misuse our digital services and platforms. You agree not to use digital services and platforms or any aspect or feature for any unlawful purpose or in any way that may harm, or demean, others. Without limiting the penalty for proceedings, you agree that you will not, do or attempt to:

1 Review and comply with the terms and conditions of this 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 as needed; days;

4 Act honestly and in good faith.

By using these digital services and platforms, you agree to NOT:

1 Create an account for anyone other than a native (unless you are a company, organization, legal entity or brand and represent a company, organization, legal entity or brand).

2 Cheating, arresting, bullying, assaulting, threatening, harassing, abusing, intimidating, infringing on the rights of others or engaging in any other predatory behavior, including sending unwanted communications to others or engaging in any behavior other predators, or inciting others to commit violent acts.

3 Using or attempting to use someone else's account or creating a false identity;

4 Duplicate, license, sublicense, publish, transmit, distribute, implement, display, sell, rebrand, or transfer information found in these digital services and platforms, except as permitted in these terms and conditions, or authorized by us real;

5 Organize and rearrange, disassemble, interpret or otherwise attempt to obtain the source of rights and code for any of the basic intellectual property used to provide the DNA services of this digital platform, or any part thereof;

6 Use or copy information, content or any data you view or obtain from these digital services and platforms to provide any competitive services, in our sole discretion, and instructions from MyDFZ superiors;

7 Adjust, modify or create derivative works based on these digital services and platforms or the technologies underlying these services, in whole or in part;

8 Rent, lease, loan, trade, sell / resell any information in these digital services and platforms, in whole or in part;

9 Use the communication systems provided by these digital services and platforms for any social or commercial purpose;

10 sell, sponsor, or credit any service or function in digital services and platforms, without our written permission;

11 Removes any copyright, trademark or other proprietary rights notices contained in or on the Services (either by us or our licensors);

12 remove, protect or otherwise mislead any form of advertising included in these digital services and platforms;

13 Collect, harvest, use, copy, or transfer any information, including, but not limited to, personal information obtained from these digital services and platforms (excluding User Content from you, and unless the owner of such information has been authorized by clear);

14 Sharing user or third party information or their content without the express consent of the user;

15 Violate or use our brand, logo or trademark in any business name, email or URL except as expressly permitted by us;

16 Uses or launches manual or automated systems or software, devices, script robots, other means or processes to access, “scrape,” “crawl”, “cache”, “spider” or any other web pages or services contained in these digital services and platforms, or to access these digital services and platforms in a way that sends more request messages to our servers within a certain period of time than humans can reasonably generate in the same period by using a conventional web browser;

17 Using boats or other automated methods to access these digital services and platforms, add or download contacts, send or move messages, or perform other similar activities through these digital services and platforms;

18 Access, through automated or manual means or processes, these digital services and platforms to monitor availability, performance or functionality for any competitive purpose;

19 Engage in “designing,” “embedding,” or otherwise imitating the appearance or function of a website;

20 Try to access or actually access digital services and platforms in other ways other than through the interface provided by us. These restrictions include accessing or attempting to access these digital services and platforms to use any third party services, including software-as-a-service platforms that aggregate access to various services;

21 Engage in any action that directly or indirectly interferes with proper work or places an unreasonable burden on the service infrastructure and digital platform, including, but not limited to, sending unsolicited communications to other users or our staff, attempt obtain unauthorized access to digital services and platforms, or transmit or activate computer viruses, Trojan horses, worms, time bombs or any other malicious software programs or damage to these digital services and platforms; and / or

22 Prevent or disrupt so that these digital services and platforms do not run smoothly or have the opposite effect. All of the above terms and conditions can be claimed by MyDFZ if we find that it violates our rights and ownership.

NOTICE

In connection with these digital services and platforms, we may send you service announcements, administrative messages, and other information at any time. You can choose from several predefined options.

THIRD PARTY LINKS, WEBSITES, AND SERVICES

These digital services and platforms may contain links to third party websites, advertisers, services, special offers, or other events or activities that we do not own or operate. We do not affiliate with such websites, do not endorse them, have no control over those websites, and are not responsible for and / or liable for the content, privacy policies, or practices of any third party websites. In addition, we will not and will not restrict or alter the content of any third party rights.

If you access third-party websites, services, or content from our digital platform, you do so at your own risk. By using these digital services and platforms, you expressly grant us (and the owners, employees, agents, affiliates, and / or licensors) any and all liability arising from the use of any website, information, materials , third party products, or services. Therefore, we encourage you to be aware that once you have left these digital services and platforms, you should read the terms and conditions and privacy policy of every other website you visit.

DISCLOSURE

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

1 Meet any applicable laws, regulations, legal process, directives or government requests;

2 Enforce these terms and conditions, including the investigation of possible violations;

3 Detect, prevent, or otherwise deal with fraud, security or technical issues;

4 Bekerjasama dengan pihak berkuasa penguatkuasa undang-undang;

5 Respond to user support requests;

6 Protect the rights of our users, property or safety of our users, or the public.

LIMITATION OF LIABILITY

To the fullest extent permitted by law, the Service is Available "As It Is."

YOU ACKNOWLEDGE AND AGREE THAT:

1 USE FOR SERVICES AND PURCHASE AND USE OF ANY PRODUCTS ON THIS DIGITAL PALTFORM, EVERYTHING IS YOUR OWN RISK. SERVICES PROVIDED AND PRODUCTS SOLD IN THE "AS IS" AND "AS AVAILABLE" BASIS. COMPLETELY MAXIMUM WHICH IS PERMITTED BY LAW, MyDFZ HAS EXPRESSLY EXPRESSED ALL WARRANTIES AND CONDITIONS INVOLVED, WHETHER IMPLIED OR IMPLIED, INCLUDING, INCLUDING AND EXCLUSIVE TO THE WARRANTIES

2 MyDFZ IS NOT RESPONSIBLE FOR ABOVE:

i SERVICE ACCORDING TO / FULFILLING YOUR WANTS EVEN THOUGH IT IS DIFFICULT;

ii THE SERVICE WILL HAVE ANY DIFFICULTIES OR PROBLEMS WHEN SAVING THIS DIGITAL PLATFORM;

iii ALL ERRORS OR NEGLIGENCE OF THE SYSTEM THAT OCCURRED OUT OF OUR MONITORING.

3 ANY MATERIALS INCREASED OR OTHER REASONS REQUIRED THROUGH THE USE OF THE SERVICES PERFORMED AT YOUR OWN PREVENTION AND RISK AND YOU ARE MANY RESPONSIBLE FOR YOUR COMPUTER OR DAMAGES FOR ANY DAMAGES .

4 NOTICE, WHETHER WRITTEN OR ORALLY, WHICH IS REQUIRED BY YOU FROM MYDFZ OR THROUGH THE SERVICE, TO MAKE ANY WARRANTIES NOT PROVIDED IN TERMS AND CONDITIONS WITHOUT TERMS AND CONDITIONS. YOU HAVE AGREED THAT MyDFZ, SUBSIDIARY COMPANIES, AFFILIATES AND LICENSORS, AND OUR OFFICERS AND RELATED TO OUR COMPANY, REPRESENTATIVES OF THE COMPANIES AND AGENTS ARE NOT RESPONSIBLE FOR YOUR OWN RESPONSIBILITY , INCLUDING BUT NOT LIMITED TO, LOSSES IN LOSS OF PROFIT, ACCIDENT, USE, DATA, COVERAGE OR UNFAIRED LOSS (EXCEPT IF MYDFZ HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGE)

i USERS TO USE SERVICES;

ii UNAUTHORIZED ACCESS TO OR RELATED TO LOSS, CORRUPTION OR CHANGE OF CONTROL FROM YOU, CONTENT OR DATA;

iii STATEMENT OR ACTION BY THIRD PARTY OR USERS OF INDIVIDUAL DIGITAL PLATFORM, OR PROVIDING ANY SERVICE RELATED TO SERVICE OPERATIONS;

iv SELLING ACTION OR EXCEPTION BASED ON YOUR ACCOUNT INFORMATION AND ANY CHANGES AND NOTIFICATIONS REQUIRED OR;

v YOUR FAILURE TO PROTECT DAMAGE AFTER COMPLETION OR ACCESS TO YOUR ACCOUNT INFORMATION;

vi ACT OR EXCLUSION OF EVERY THIRD PARTY USING THIS DIGITAL PLATFORM AND SERVICES OR;

vii TERMINATION OF YOUR ACCOUNT BY ACCEPTING THIS TERMS OF SERVICE; OR

viii ANY MATTER RELATED TO THIS DIGITAL SERVICE AND PLATFORM.

IN THE EVENT OR EVENT OR ANYTHING RELATED TO THIS DIGITAL PLATFORM AND OUR SERVICES, WITHOUT ANY FORCE OR INSTRUCTIONS FROM US AND WITHOUT INVITING TO THE PUBLIC RELATED TO THIS SECTION, YOU ARE INTERESTED OR CLAIM, DAMAGE OR LOSS PERMITTED BY THE LAWS PROVIDED AND THEREFORE YOU AGREE THAT OUR PARTY'S OBLIGATION TO REPRESENT YOU IN ALL 100 DAMAGES AND LOSSES) FROM THE AMOUNT (OR RELATED AMOUNT) PAID BY YOU IN 6 MONTHS AT AN IMMEDIATE RATE, IS A CLAIM AGAINST US OR OUR AFFILIATES. NOT IN THIS SERVICE (INCLUDING THE RELEASE OF LIABILITY PROVISIONS) IS ISSUED FOR THE EXCLUSION OR LIMITATION OF CONDITIONS OF WARRANTIES, WARRANTIES, OTHER STATEMENTS OR LIABILITY WHICH CANNOT BE PROVIDED UNDER ORDER. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF WARRANTIES OR CERTAIN CONDITIONS OR LIMITATIONS OR EXCLUSIONS OF LIABILITY FOR THE LOSS OR DAMAGE CAUSED BY WILLFUL ACTION, EXCELLENCE, DISCLAIMER THEREFORE, ONLY OTHER LIABILITIES AND LIMITATIONS EXCEED IN JURISDICTIONS BY YOU (IF ANY) WILL BE IMPOSED TO YOU AND OUR LIMITED LIABILITY OR MAXIMUM LIABILITY ALLOWED BY LAW.

DELIVERY

MyDFZ reserves the right, at our sole discretion, to transfer, assign, assign or promise in any way, any rights and obligations under the terms and conditions of this digital platform and its use to subsidiaries, affiliates, successors or any third party, without notifying you or accepting your consent. You will not transfer, assign, delegate, sublicense or pledge in any way, any of your rights or obligations under the terms and conditions of use of these digital platforms and services.

REPARATION

You agree to defend, indemnify and elect us, our affiliates, our representatives, officers, directors, employees, agents and / or licensors from us on any matter relating to all claims, damages, obligations, losses, liabilities , costs and expenses (including but not limited to attorney fees) arising from:

1 Use of this service or;

2 Violation of these terms and conditions or;

3 Your violation of third party rights, including without limitation copyright, property, publicity or privacy rights; including all actions taken under your account.

The rights of the representative, the non-hazardous representative of the representative and the owner of the damages will survive in the event of any termination of the terms and conditions set forth and relating to the use of this service.

LAW AND JURISDICTION

The terms of our digital platform and services are governed by all aspects of Malaysian law, without affecting any principles of legal conflict. Any dispute regarding this Website or terms of use is subject to the exclusive jurisdiction of the court having competent jurisdiction in the Federal Territory, Malaysia.

GENERAL

MyDFZ reserves the right to discontinue or modify any aspect of the service at any time. These Terms, together with the Privacy Policy, and any other legal notices we publish about our own Services, will constitute the entire agreement between us regarding our digital services and platforms. If any provision of these terms and conditions is deemed invalid by a court having competent jurisdiction, the jurisdiction of such provision shall not affect the validity of the provisions relating to these terms and conditions, which shall continue in full force and effect. There shall be no exemption from any of these terms and conditions and it shall be deemed a further or continuous exemption for any period or any other term, and the failure of the parties to assert any rights or provisions under these terms shall not be a waiver of that right or provision.

ELECTRONIC COMMUNICATION

By using our Website www.mydfz.com.my you agree to have all records, including insurance policies, provided to you in electronic form. This Agreement, unless revoked, applies to all transactions between you and MyDFZ. However, you have the right to receive any form of communication from us, including insurance policies, in paper form if you wish by withdrawing this agreement. If you withdraw consent to provide you with an electronic record, you will be provided with a record in paper form. To withdraw your consent, you must email us at (care@mydfz.com.my) with the following subject line "APPLICATION TO WITHDRAW AGREEMENT." The start and email information must include the name, policy number, effective date and expiration of the policy, the effective date of Your withdrawal and whether You want (a) all communications to be in the form of paper and (b) your insurance policy sent to you in the form paper. MyDFZ reserves the right to charge RM500.00 for the delivery of insurance policy papers, any installment paper invoices and any confirmation or policy communication if requested by you.