Access to this website (https://www.mlre.com.my) is granted by Malaysian Life Reinsurance Group Berhad (hereinafter known as MLRe) subject to the following terms and conditions of use.

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. BY ACCESSING AND USING THIS WEBSITE AND ANY WEB PAGE HEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT ACCEPT ANY OF THESE TERMS AND CONDITIONS, PLEASE DISCONTINUE YOUR ACCESS TO THIS WEBSITE OR ANY WEB PAGE HEREOF IMMEDIATELY.

Use of information and materials

This website is intended for use by clients of MLRe as well as non-clients.

The contents of this website are provided strictly for general information only and do not entail any legal commitment or contractual agreement on the part of MLRe.

We may amend these Terms of Use from time to time, without providing notice to you and without giving any reason for doing so, by posting an updated version of the Terms of Use on the website. You should regularly check these Terms of Use for any amendments. If these Terms of Use are amended, you must comply with the updated Terms of Uses. If you do not agree to the updated Terms of Use, you must immediately cease using the website.

Governing law and jurisdiction

These terms and conditions are governed by and are to be construed in accordance with the laws of Malaysia, notwithstanding any principles of conflict of laws. Users of this site or any of its pages are responsible for compliance with all Malaysian laws as well as all local laws and regulations of the user's country/domicile.

Personal and other information

Any information, other than personal data or personal information, you transmit to us via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become our property. Such information, other than personal data or personal information, may be used by us for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast and posting.

MLRe shall be free to use any non-personal information, including but not limited to ideas, concepts, know-how or techniques, provided to MLRe through this website for any purpose and without payment or compensation.

Any personal information submitted to us using the website will be subject to MLRe's Privacy Notice available at https://www.mlre.com.my/privacy/

Intellectual Property

This website is owned and operated by MLRe. All copyright and other intellectual property rights in the website are proprietary to us and our licensors. Other than as expressly set out in these Terms of Use and except as permitted by applicable law, you must not (and must not attempt to):

a) use, copy, reproduce, republish, modify, store in a retrieval system, create derivative works or use in any other way for public or commercial purposes any part of the website;
b) distribute, translate, modify or tamper with, any part of the website;
c) create derivative works of or from any part of the website;
d) sell, rent, lease, sub-license, assign, exchange or otherwise transfer your rights under these Terms of Use; or
e) permit or assist any person to engage in any act described in paragraphs (a) to (d) above.

Correspondences

MLRe does not guarantee the security and confidentiality of correspondences, including email messages, sent over the Internet and shall not be liable for any damage incurred or sustained by you in connection with or arising from such transmission of correspondences.

It is your responsibility to take all appropriate steps to protect your own data and/or software against contamination by any virus or other contaminants circulating on the Internet.

Third party links

This website may contain links to websites owned, controlled or offered by third parties. Access to and the use of such websites is at your own risk and subject to the terms and conditions applicable to such access and/or use.

MLRe shall not be construed as endorsing or recommending any product or service offered on any such third party website. MLRe will also not be responsible for any and all information, materials, products or services (or any failure thereof) contained in or offered at any such third party website linked to this website.

Absence of guarantee

MLRe endeavours to keep the contents of this website as up-to-date as possible. However, MLRe guarantees neither the timeliness and accuracy nor the completeness of any information presented on this website and expressly disclaims liability for any and all errors or omissions whatsoever.

With the exception of direct losses resulting from deliberate or serious misconduct on the part of MLRe, MLRe may under no circumstances be held responsible for any direct or indirect loss, serious or otherwise, resulting from a visit to this website or a visit to any third party website linked to this website or associated with such visits, particularly and without limitation, for any loss of profits, interruption of activities or loss of software or data.

No warranty of any kind is also given with regard to freedom from computer viruses or other contaminants or other malicious, destructive or corrupting codes in conjunction with this website or its contents, including any links to third party websites.

Inconsistency in wordings

If there are inconsistencies in meaning between the English language version of these terms and conditions of use and the terms and conditions of use as may be translated into any other language, the English language version shall prevail.

Security reminder

While there is inherent risk in doing business with anyone over a public medium like the Internet, we have implemented measures to reduce these risks. In order to safeguard and protect your privacy, please ensure you have installed up to date virus protection.

Termination

MLRe reserves the right to terminate and/or suspend your access to this website and/or your use of this website at any time, for any reason. In particular, and without limitation, MLRe may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of MLRe, of any other user, or of any third party.

MLRe reserves the right to seek any remedy available at law or in equity for any violation of these Terms of Use. You will indemnify and hold MLRe harmless from any breach of these Terms of Use by you. You agree that MLRe will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify against any and all resulting loss and damages in connection therewith.