Terms of use

General

By accessing this website (the “SmartGenie Website & Mobile App”) and using its content, you acknowledge and agree that you have read and understood the following terms of use and you agree irrevocably to be bound by them. You are not to use the SmartGenie Website or Mobile App, if you do not agree with these terms of use. As used below, the terms “SmartGenie”, “we”, “us”, and “our” refers to “Insuradar Sdn Bhd”, “www.SmartGenie.com” & “SmartGenie mobile app” and its affiliates.

Use of Content

The content is available for information only. The posting of content and access to the SmartGenie Website or apps (“SmartGenie”) does not constitute, either explicitly or implicitly, any provision of services or products by us. Information concerning general or life insurance or services is only available through the respective affiliate company that carries on such business. For avoidance of doubt, any usage or reliance by you of information contained in SmartGenie’s website or Apps shall strictly be at your own risk

 
No Offer

No information on the SmartGenie Website or Apps is or should be interpreted as an offer or a solicitation for an offer, as investment, legal, tax, other advice or engagement in any transaction whatsoever. Where such is needed, an independent professional should be consulted.

No Duty to Update

All content on the SmartGenie Website or Apps is published as of its date only. We assume no responsibility to update or amend.

 
Copyright

All content of the SmartGenie Website is protected by copyright with all rights reserved. All rights in the pages, site content and arrangement are owned by SmartGenie and/or the respective SmartGenie Group of Companies. You are prohibited from copying, modifying, displaying, distributing, transmitting, redelivering through the use of “framing” technology, publishing, selling, licensing, creating derivative works or using any site content for any purpose without the prior written approval of SmartGenie and/or the respective partners of SmartGenie Group of Companies.


Trademarks, Service Marks and Logos (“Marks”)

The trade mark, service mark, trade name, design, and/or any other marks appearing on the SmartGenie Website or Apps are the property of SmartGenie and/or the respective partners of SmartGenie Group of Companies.

You herewith agree not do and/or authorize any third person to do any act which would or might damage or be inconsistent with the industrial and intellectual property rights, including, without limitation, any patent, know-how, trade mark, service mark, trade name, design, copyright in drawings, plans, specifications, designs and computer software contained in SmartGenie Website or Apps.


No Warranty

All content on the SmartGenie Website or Apps, including but not limited to graphics, text and hyperlinks or references to other sites, is provided on an “as is” basis without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or other harmful components. 

We do not warrant the adequacy, suitability, timeliness, accuracy, reliability or completeness of any information on the SmartGenie Website or Apps and expressly disclaim any liability for errors or omissions therein. 

We do not warrant that the functions of the SmartGenie Website or Apps will be uninterrupted and/or error-free, that defects will be corrected or that the SmartGenie Website or Apps or the server that makes it available are free from computer viruses or other harmful components.

Every effort is made to keep the SmartGenie Website or Apps up and running smoothly. However, we take no responsibility for, and will not be liable for, our services being temporarily unavailable due to technical issues or any other reasons whatsoever.

Limitation of Liability

To the greatest extent permitted by law, we expressly disclaim any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages/losses arising out of or in any way connected with your access or use or inability to access or use the SmartGenie Website or Apps or reliance on its content, or use of its material, or any failure of performance, interruption, defect, delay in transmission, computer viruses or other harmful components, or line or system failure associated with the SmartGenie Website or Apps, regardless of our knowledge thereof.


Hyperlinked and Referenced Websites

Certain hyperlinks or referenced websites on the SmartGenie Website or Apps may for your convenience forward you to third parties’ websites, which generally are recognized by their top level domain name. Their content has not been investigated or analysed by us, and we do not warrant the adequacy, suitability, accuracy, reliability or completeness of any information on hyperlinked or referenced websites. We further do not represent, warrant or guarantee that the hyperlinks or referenced websites are free from viruses and expressly disclaim any liability for any and all of their content and damages resulting from its use.

SmartGenie shall  not be in any way responsible or liable for the content of any site owned by a third party that may be linked to its internet sites by hyperlink, whether such hyperlink is provided by SmartGenie or by a third party.

Users and sites may include a link to SmartGenie internet site only by pointing to its homepage (www.SmartGenie.com) and only if any discussion of SmartGenie is truthful and not misleading. SmartGenie makes no representations whatsoever about any other internet site which you may access through this website. When you access a non-SmartGenie internet site, please understand that it is independent, and that SmartGenie has no control over the content on that internet site. In addition, a link to a non-SmartGenie internet site does not imply that SmartGenie endorses or otherwise accepts any responsibility for the content, or the use, of the linked internet site.


By accessing the SmartGenie Website or Apps, you also agree to abide by the proprietary guidelines set forth at any website accessed or hyperlinked to through the SmartGenie Website or Apps.

Local Legal Restrictions

The SmartGenie Website or Apps are not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) the publication or availability of the SmartGenie Website or Apps is prohibited. Persons in respect of whom such prohibitions apply must not access the SmartGenie Website or Apps.

Reservations of Rights

We reserve the right to replace, change, modify, add to, or remove portions of these terms of use at any time. We shall have no obligation to notify or update you on the specifics of any amended terms, and it shall be your own obligation to study the amended terms upon each access.

Jurisdiction, Severability

Malaysian law shall govern all transactions and be applied to construe for all purposes to which these terms apply and you shall submit to the jurisdiction of the court in Malaysia .

Any action arising out of these terms or SmartGenie Website or Apps shall be litigated in, and only in, courts located in Malaysia, and you agree to submit to the exclusive jurisdiction of those courts and further agree that they are the convenient forum for you.

In the event you have any dispute, controversy or claim against us arising out of the provision of our services, you shall notify us in writing and the parties shall attempt to negotiate in good faith to resolve the matter within ten (10) days after the date of notice. The provision of the said notice and subsequent negotiations shall be a condition precedent to any right of action against us in Court or otherwise.

In the event that any of these terms is held to be unenforceable, illegal or invalid, the remaining terms shall remain in effect and shall not be affected or impaired thereby.

No Confidential Information

SmartGenie does not wish to receive confidential or proprietary information through the SmartGenie Website or Apps. Please note that any information or material sent to SmartGenie will be considered not confidential. By sending SmartGenie any information or material, you grant to SmartGenie an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute those materials or information. You also agree that SmartGenie is free to use any ideas, concepts, know-how or techniques that you send SmartGenie for any purpose.

Disclaimers

There are no implied or express warranties on the materials in this site. SmartGenie does not warrant or represent that the materials in this site or Apps are correct, accurate, or reliable. You assume the entire cost of all necessary servicing, repairs, or correction of any device damaged due to your accessing the internet materials contained in the SmartGenie Website or Apps. This disclaimer applies even if SmartGenie or its partners have been advised of the possibility of such damages.

 No Reliance

While SmartGenie uses reasonable efforts to obtain information from sources which it believes to be reliable, SmartGenie makes no representation that the information or opinions contained on the SmartGenie Website or Apps are accurate, reliable or complete. The information and opinions contained in the SmartGenie Website or Apps are provided by SmartGenie for personal use/reference and information only and are subject to change without notice. Nothing contained on the SmartGenie Website or Apps constitutes investment, legal, tax or other advice nor is it to be relied on in making an investment or other decision. You should obtain relevant and specific independent professional advice before making any investment decision.

General Indemnification

You shall save harmless indemnify and keep us indemnified against any liabilities claims demands actions proceedings penalties prosecution fines loss damage costs and expenses whatsoever that may be made against and/or sustained suffered or otherwise incurred whether directly or indirectly or however arising by any party whatsoever by reason of or arising out of or in connection with your usage of our services.

Disclaimer:

Smartgenie.com & SmartGenie mobile app (hereinafter referred to as “SmartGenie”) is an independent financial product comparison website & App. SmartGenie is NOT a financial services provider, and cannot give direct financial advice.

The content on www.SmartGenie.com & SmartGenie mobile app is provided “as is” for general information purposes only. It does not constitute advice nor does any part of the content constitute an open offer capable of forming the basis of a contract. Whilst SmartGenie strives to ensure the information on its website and/or mobile app is accurate and up to date to the best of its knowledge, SmartGenie does not represent, warrant or guarantee that anything written here is entirely accurate, complete, adequate, suitable, timely, or relevant to the solution of any problem visitors may have. For avoidance of doubt, any usage or reliance by visitors of information contained in SmartGenie’s website and/or mobile app shall strictly be at the visitor’s own risk, and to the extent permitted by law, SmartGenie disclaims any and all warranties, express or implied, including those of merchantable quality or fitness for a particular purpose, with respect to the publication of this content.

SmartGenie may at times include statements, opinions or views of third parties. Whilst SmartGenie may occasionally make reference to certain provider, product or service by its name, the same does not constitute an endorsement or recommendation by SmartGenie. SmartGenie denies any and all liability or responsibility for any errors, inaccuracies, omissions, misleading or defamatory content attributable to the third party. As a visitor to, or registered user of SmartGenie, you should not rely on any of this content without first seeking financial advice from a professionally qualified expert.

Product names, logos, brands and other trademarks referred to in SmartGenie’s website and/or mobile app are the property of their respective trademark holders. These trademark holders are not affiliated nor associated with SmartGenie or our website and/or mobile app and they do not sponsor or endorse our materials.

To the extent permitted by law, SmartGenie specifically excludes liability for any loss or damage no matter how arising from the use of its website and/or mobile app or of any information or services provided through its website and/or mobile app. SmartGenie reserves the right to update, amend or change the content of its website and/or mobile app without notice.