TERM OF USE

INTRODUCTION

STARK GROUP Private Limited – Singapore based company No. 201433305Z - (“we” or “us”) is the operator of the software INSURE CHAT (the “Website”). 

We are committed to:

  1. Follow any best practices, guidelines, requirements of the privacy and insurance policy applicable in any countries where INSURE CHAT  operates

  2. Comply to any Insurance rules, laws & regulations applicable in any countries where INSURE CHAT  operates

  3. Comply to any Data (storage, flow, ownership) protection act, laws & regulations applicable in any countries where INSURE CHAT  operates

  4. Make the user journey as enjoyable, safe, clear and lean as possible.


This Term of Use is:

  1. Compliant with the rules and regulations with the respective countries where INSURE CHAT  operates.

  2. Sets out the basis on which any users use INSURE CHAT

 
Disclaimer

  • Any users must read the following carefully to understand our views and practices regarding Term of Use.

  • We may amend this Term of Use at any time by posting a revised version on the Website. However, an individual notice will not be sent to you. You will be deemed to have acknowledged and agreed to the amended Term of Use if you continue to use  INSURE CHAT after the changes have taken effect.

  • You are reminded to check for updates to this Term of User prior to using the Website.

  • We shall not be liable for any voluntary bridge of the Term of Use by you to other users of the Website

 

ACCEPTABLE USE POLICY

Overview:

This Acceptable Use Policy sets out a list of acceptable and unacceptable conduct for our Services. If we believe a violation of the policy is deliberate, repeated or presents a credible risk of harm to other users, our customers, the Services or any third parties, we may suspend or terminate your access. This policy may change as we grow and evolve, so please check back regularly for updates and changes.

Acceptable:

  • Keep password and all other login information safe.

  • Do not re-use the same password on several different websites.

  • Make sure to read, are OK and comply with our Privacy and Terms.

  • Make sure that you comply with any laws and regulations applicable to you.

  • Only upload and share Data you own and for which you have all the required rights under the laws, regulations and contractual obligations applicable to you.

  • Use reasonable efforts to prevent unauthorized access to and use of the Services.

  • Keep an eye on your account to make sure that there are no unauthorized activities there and that your account is used as in compliance with our Privacy and Terms.

  • Notify us if you think your account or your credentials have been compromised (theft of your password, unauthorized use of your account, etc…)


Not Acceptable:

  • Share you credentials with another person.

  • Authorize another person to access your account on your behalf.

  • Send unsolicited communications, promotions or advertisements, or spam.

  • Use contact or other user information obtained from the Services to contact Users outside of the Services without their express permission.

  • Place any advertisements in INSURE CHAT

  • Impersonate any person other than you.

  • Misrepresent your association or affiliation to any entity, person or organization.

  • Send altered, deceptive or false source-identifying information, including “spoofing” or “phishing”.

  • Use the service to store or transmit data or material which may infringe upon or misappropriate someone else’s Intellectual Property, is unlawful or not intended for the purpose of managing issues and communicating around issues in insurance you are associated with.

  • Attempt to reverse engineer, decompile, hack, disable, interfere with, disassemble, modify, copy, translate, or disrupt the features, functionality, integrity, or performance of the Services.

  • Attempt to gain unauthorized access to the Services or related systems or network.

  • Attempt to defeat, avoid, bypass, remove, deactivate, or otherwise circumvent any software protection or monitoring mechanisms of the Services.

  • Access, search, or create accounts for the Services by any means other than our publicly supported interfaces; examples: no “scraping”, no creation of accounts in bulk.

  • Sub license, resell, time share or similarly exploit the Services.

  • Use the Services in any manner that may harm minors.

  • Access the Services in order to build a similar or competitive product or service or copy any ideas, features, functions, or graphics of the Services.

  • Authorize, permit, enable, induce or encourage any third party to do any of the above.

 

SOFTWARE AS A SERVICE (SAAS) TERM OF USE

I- Application of Terms:

  1. These Terms apply to your use of the Service (as that term is defined below). By setting up an account:

    • a- you agree to these Terms; and

    • b- where your access and use is on behalf of another person (e.g. a company), you confirm that you are authorized to, and do in fact, agree to these Terms on that person’s behalf and that, by agreeing to these Terms on that person’s behalf, that person is bound by these Terms.

  2. If you do not agree to these Terms, you are not authorized to access and use the Service, and you must immediately stop doing so.

II- Definitions and Interpretations:

In these Terms:

  • Permitted Users means your personnel who are authorized to access and use the Service on your behalf in accordance with clause IV.3.

  • personnel includes officers, employees, contractors and agents, but a reference to your personnel does not include us.

  • Service means the service having the core functionality described on the Website, as the Website is updated from time to time.

  • Start Date means the date that you first access or use the Service.

  • Terms means these terms titled SaaS terms of use.

  • Underlying Systems means the [insert name] Software, IT solutions, systems and networks (including software and hardware) used to provide the Service, including any third party solutions, systems and networks.

  • INSURE CHAT Software means the software owned by us (and our licensors) that is used to provide the Service.

Other important definitions and terminologies are explained in our Privacy and Terms page.

III- Provision of the Service:

  1. We must use reasonable efforts to provide the Service:

    • a- in accordance with these Terms and Singapore law;

    • b- exercising reasonable care, skill and diligence; and

    • c- using suitably skilled, experienced and qualified personnel.

  2. Our provision of the Service to you is non-exclusive. Nothing in these Terms prevents us from providing the Service to any other person.

  3. Subject to clause III.4, we must use reasonable efforts to ensure the Service is available on a 24/7 basis. However, it is possible that on occasion the Service may be unavailable to permit maintenance or other development activity to take place, or in the event of Force Majeure. We must use reasonable efforts to publish on the Website advance details of any unavailability.

  4. Through the use of web services and APIs, the Service interoperates with a range of third party service features. We do not make any warranty or representation on the availability of those features. Without limiting the previous sentence, if a third party feature provider ceases to provide that feature or ceases to make that feature available on reasonable terms, we may cease to make available that feature to you. To avoid doubt, if we exercise our right to cease the availability of a third party feature, you are not entitled to any refund, discount or other compensation.


IV- Your obligations:

  1. You and your personnel must:

    • a- use the Service in accordance with these Terms solely for:

      • i- your own internal business purposes to manage issues and communication around these issues in any type of properties; and

      • ii- lawful purposes (including but not limited to complying with any regulation and relevant laws designed to stop spamming activities. and

    • b- not resell or make available the Service to any third party.

  2. When accessing the Service, you and your personnel must:

    • a- not impersonate another person or misrepresent authorization to act on behalf of others or us;

    • b- correctly identify the sender of all electronic transmissions;

    • c- not attempt to undermine the security or integrity of the Underlying Systems;

    • d- not use, or misuse, the Service in any way, including but not limited to any way which may impair the functionality of the Underlying Systems or impair the ability of any other user to use the Service;

    • e- not attempt to view, access or copy any material or data other than:

      • i- that which you are authorised to access; and

      • ii- to the extent necessary for you to use the Service in accordance with these Terms; and

    • f neither use the Service in a manner, nor transmit, input or store any Data, that breaches any third party right (including Intellectual Property Rights and privacy rights) or is Objectionable, incorrect or misleading.

  3. Without limiting clause IV.2, no individual other than a Permitted User may access or use the Service. You may authorize any member of your personnel to be Permitted User in which case you must provide us with the Permitted User’s name and other information that we reasonably require in relation to the Permitted User. Any Permitted User must have his/her own account in the System. You must procure each Permitted User’s compliance with clauses IV.1 and IV.2 and any other reasonable condition notified by us to you.

  4. A breach of any of these Terms by your personnel (including, to avoid doubt, a Permitted User) is deemed to be a breach of these Terms by you.

  5. You are responsible for procuring all licenses, authorizations and consents required for you and your personnel to use the Service, including to use, store and input Data into, and process and distribute Data through, the Service.

V- Data:

  1. You acknowledge that:

    • a- we may require access to the Data to exercise our rights and perform our obligations under these Terms; and

    • b- to the extent that this is necessary but subject to clause VIII, we may authorise a member or members of our personnel to access the Data for this purpose.

  2. You must arrange all consents and approvals that are necessary for us to access the Data as described in clause V.1.

  3. You acknowledge and agree that:

    • a- we may:

      • i- use Data and information about your and your end users’ use of the Services to generate anonymised and aggregated statistical and analytical data (Analytical Data); and

      • ii- use Analytical Data for our internal research and product development purposes and to conduct statistical analysis and identify trends and insights;

    • b- our rights under clause V.3a above will survive termination of expiry of the Agreement; and

    • c- title to, and all Intellectual Property Rights in, Analytical Data is and remains our property.

  4. You acknowledge and agree that to the extent Data contains personal information, in collecting, holding and processing that information through the Service, we are acting as your agent for the purposes of any applicable privacy law. You must obtain all necessary consents from the relevant individual to enable us to collect, use, hold and process that information in accordance with these Terms.

  5. While we will take standard industry measures to back up all Data stored using the Service, you agree to keep a separate back-up copy of all Data uploaded by you onto the Service.

  6. You agree that we may store Data (including any personal information) in secure servers in overseas territory/ies and may access that Data (including any personal information) in overseas territory/iesfrom time to time.

  7. You indemnify us against any liability, claim, proceeding, cost, expense (including the actual legal fees charged by our solicitors) and loss of any kind arising from any actual or alleged claim by a third party that any Data infringes the rights of that third party (including Intellectual Property Rights and privacy rights) or that the Data is Objectionable, incorrect or misleading.


VI- Fees

  1. The platform is FREE of usage for the year 2020.

VII- Intellectual property:

  1. Subject to clause VII.2, title to, and all Intellectual Property Rights in, the Service, the Website, and all Underlying Systems is and remains our property (and our licensors’ property). You must not contest or dispute that ownership, or the validity of those Intellectual Property Rights.

  2. Title to, and all Intellectual Property Rights in, the Data (as between the parties) remains your property. You grant us a worldwide, non-exclusive, fully paid up, transferable, irrevocable license to use, store, copy, modify, make available and communicate the Data for any purpose in connection with the exercise of our rights and performance of our obligations in accordance with these Terms.

  3. To the extent not owned by us, you grant us a royalty-free, transferable, irrevocable and perpetual license to use for our own business purposes any know-how, techniques, ideas, methodologies, and similar Intellectual Property used by us in the provision of the Services.

  4. If you provide us with ideas, comments or suggestions relating to the Service or Underlying Systems (together feedback):

    • a- all Intellectual Property Rights in that feedback, and anything created as a result of that feedback (including new material, enhancements, modifications or derivative works), are owned solely by us; and

    • b- we may use or disclose the feedback for any purpose.

  5. You acknowledge that the Service may link to third party websites or feeds that are connected or relevant to the Service. Any link from the Service does not imply that we endorse, approve or recommend, or have responsibility for, those websites or feeds or their content or operators. To the maximum extent permitted by law, we exclude all responsibility or liability for those websites or feeds.


VIII- Confidentiality

  1. Each party must, unless it has the prior written consent of the other party:

    • a- keep confidential at all times the Confidential Information of the other party;

    • b- effect and maintain adequate security measures to safeguard the other party’s Confidential Information from unauthorised access or use; and

    • c- disclose the other party’s Confidential Information to its personnel or professional advisors on a need to know basis only and, in that case, ensure that any personnel or professional advisor to whom it discloses the other party’s Confidential Information is aware of, and complies with, clauses VIII.1a and VIII.1b.

  2. The obligation of confidentiality in clause VIII.1 does not apply to any disclosure or use of Confidential Information:

    • a- for the purpose of performing a party’s obligations, or exercising a party’s rights, under these Terms;

    • b- required by law (including under the rules of any stock exchange);

    • c- which is publicly available through no fault of the recipient of the Confidential Information or its personnel;

    • d- which was rightfully received by a party from a third party without restriction and without breach of any obligation of confidentiality; or

    • e- by us if required as part of a bona fide sale of our business (assets or shares, whether in whole or in part) to a third party, provided that we enter into a confidentiality agreement with the third party on terms no less restrictive than this clause VIII.


IX- Warranties

  1. Each party warrants that it has full power and authority to enter into, and perform its obligations under, these Terms.

  2. To the maximum extent permitted by law:

    • a- our warranties are limited to those set out in these Terms, and all other conditions, guarantees or warranties whether expressed or implied by statute or otherwise (including any warranty under any applicable Laws) are expressly excluded and, to the extent that they cannot be excluded, liability for them is limited to SGD100.00 (One Hundred Singapore Dollars); and

    • b- we make no representation concerning the quality of the Service and do not promise that the Service will:

      • i- meet your requirements or be suitable for a particular purpose, including that the use of the Service will fulfil or meet any statutory role or responsibility you may have; or

      • ii- be secure, free of viruses or other harmful code, uninterrupted or error free.

  3. You agree and represent that you are acquiring the Service, and accepting these Terms, for the purpose of trade. The parties agree that:

    • a- to the maximum extent permissible by law and any other applicable consumer protection legislation does not apply to the supply of the Service or these Terms; and

    • b- it is fair and reasonable that the parties are bound by this clause IX.3.

  4. Where legislation or rule of law implies into these Terms a condition or warranty that cannot be excluded or modified by contract, the condition or warranty is deemed to be included in these Terms. However, our liability for any breach of that condition or warranty is limited, at our option, to:

    • a- supplying the Service again; and/or

    • b- paying the costs of having the Service supplied again.


X- Liability:

  1. Our maximum aggregate liability under or in connection with these Terms or relating to the Service, whether in contract, tort (including negligence), breach of statutory duty or otherwise, must not in any Year exceed an amount equal to the Fees paid by you relating to the Service in the previous Year (which in the first Year is deemed to be the total Fees paid by you from the Start Date to the date of the first event giving rise to liability). The cap in this clause X.1 includes the cap set out in clause IX.2a.

  2. Neither party is liable to the other under or in connection with these Terms or the Service for any:

    • a- loss of profit, revenue, savings, business, use, data (including Data), and/or goodwill; or

    • b- consequential, indirect, incidental or special damage or loss of any kind.

  3. Clauses X.1 and X.2 do not apply to limit our liability under or in connection with these Terms for:

    • a- personal injury or death;

    • b- fraud or wilful misconduct; or

    • c- a breach of clause VIII.

  4. Clause X.2 does not apply to limit your liability:

    • a- to pay the Fees;

    • b- under the indemnity in clause V.7; or

    • c for those matters stated in clause X.3a to X.3c.

  5. Neither party will be responsible, liable, or held to be in breach of these Terms for any failure to perform its obligations under these Terms or otherwise, to the extent that the failure is caused by the other party failing to comply with its obligations under these Terms, or by the negligence or misconduct of the other party or its personnel.

  6. Each party must take reasonable steps to mitigate any loss or damage, cost or expense it may suffer or incur arising out of anything done or not done by the other party under or in connection with these Terms or the Service.


XI- Term, Termination and Suspension

  1. Unless terminated under this clause XI, these Terms and your right to access and use the Service:

    • a- starts on the Start Date; and

    • b- continues until a party gives at least 30 days’ notice that these Terms and your access to and use of the Service will terminate on the expiry of that notice.

  2. Subject to clause VI.6, if the subscription option you have selected includes a minimum initial term, the earliest date for termination under clause XI.1 will be the expiry of that initial term.

  3. Either party may, by notice to the other party, immediately terminate these Terms and your right to access and use the Service if the other party:

    • a- breaches any material provision of these Terms and the breach is not:

      • i- remedied within 10 days of the receipt of a notice from the first party requiring it to remedy the breach; or

      • ii- capable of being remedied; or

    • b- becomes insolvent, liquidated or bankrupt, has an administrator, receiver, liquidator, statutory manager, mortgagee’s or chargee’s agent appointed, becomes subject to any form of insolvency action or external administration, or ceases to continue business for any reason.

  4. You may terminate these Terms and your right to access and use the Service in accordance with clause VI.6.

  5. Termination of these Terms does not affect either party’s rights and obligations that accrued before that termination.

  6. On termination of these Terms, you must pay all Fees for the provision of the Service prior to that termination.

  7. No compensation is payable by us to you as a result of termination of these Terms for whatever reason, and you will not be entitled to a refund of any Fees that you have already paid.

  8. Except to the extent that a party has ongoing rights to use Confidential Information, at the other party’s request following termination of these Terms but subject to clause XI.9, a party must promptly return to the other party or destroy all Confidential Information of the other party that is in the first party’s possession or control.

  9. At any time prior to one month after the date of termination, you may request:

    • a- a copy of any Data stored using the Service, provided that you pay our reasonable costs of providing that copy. On receipt of that request, we must provide a copy of the Data in a common electronic form. We do not warrant that the format of the Data will be compatible with any software; and/or

    • b- deletion of the Data stored using the Service, in which case we must use reasonable efforts to promptly delete that Data.
      To avoid doubt, we are not required to comply with clause XI.9a to the extent that you have previously requested deletion of the Data.

  10. Without limiting any other right or remedy available to us, we may restrict or suspend your access to and use of the Service and/or delete, edit or remove the relevant Data if we consider that you or any of your personnel have:

    • a- undermined, or attempted to undermine, the security or integrity of the Service or any Underlying Systems;

    • b- used, or attempted to use, the Service:

      • i- for improper purposes; or

      • ii- in a manner, other than for normal operational purposes, that materially reduces the operational performance of the Service;

    • c- transmitted, inputted or stored any Data that breaches or may breach these Terms or any third party right (including Intellectual Property Rights and privacy rights), or that is or may be Objectionable, incorrect or misleading; or

    • d- otherwise materially breached these Terms.


XII- General:

  1. These terms are to be understood and interpreted in the context of our Privacy and Terms 

  2. Subject to clause V.4, we are your independent contractor, and no other relationship (e.g. joint venture, agency, trust or partnership) exists under these Terms.

  3. If we need to contact you, we may do so by email or by posting a notice on the Website. You agree that this satisfies all legal requirements in relation to written communications.

  4. You may give notice to us under or in connection with these Terms by emailing query@stark-grp.com.

  5. These Terms, and any dispute relating to these Terms or the Website, are governed by and must be interpreted in accordance with the laws of Singapore. Each party submits to the non-exclusive jurisdiction of the Courts of Singapore in relation to any dispute connected with these Terms or the Website.

  6. Clauses which, by their nature, are intended to survive termination of these Terms, including clauses V.7, VII, IX, X, XI.5 to XI.9 and XII.5, continue in force.

  7. If any part or provision of these Terms is or becomes illegal, unenforceable, or invalid, that part or provision is deemed to be modified to the extent required to remedy the illegality, unenforceability or invalidity. If modification is not possible, the part or provision must be treated for all purposes as severed from these Terms. The remainder of these Terms will be binding on you.

  8. Any variation to these Terms must be in writing.

  9. These Terms set out everything agreed by the parties relating to the Service, and supersede and cancel anything discussed, exchanged or agreed prior to the Start Date. The parties have not relied on any representation, warranty or agreement relating to the Service that is not expressly set out in these Terms, and no such representation, warranty or agreement has any effect from the Start Date. Without limiting the previous sentence, the parties agree that it is fair and reasonable that the parties are bound by this clause XII.9.

  10. You may not assign, novate, subcontract or transfer any right or obligation under these Terms without our prior written consent, that consent not to be unreasonably withheld. You remain liable for your obligations under these Terms despite any approved assignment, subcontracting or transfer.

 

WEBSITE TERM OF USE

I- Definitions:

In these Terms:

  • Terms means these terms and conditions titled Website Terms of Use.

  • Underlying System means any network, system, software, data or material that underlies or is connected to the Website.

  • User ID means a unique name and/or password allocated to you to allow you to access certain parts of the Website.

Other important definitions and terminologies are explained in our Privacy and Terms page.

II- Application of terms:

  1. These Terms apply to your use of the Website. By accessing and using the Website:

    • a- you agree to these Terms; and

    • b- where your access and use is on behalf of another person (e.g. a company), you confirm that you are authorized to, and do in fact, agree to these Terms on that person’s behalf and that, by agreeing to these Terms on that person’s behalf, that person is bound by these Terms.

  2. If you do not agree to these Terms, you are not authorized to access and use the Website, and you must immediately stop doing so.

III- Your obligations:

  1. You must provide true, current and complete information in your dealings with us (including when setting up an account), and must promptly update that information as required so that the information remains true, current and complete.

  2. If you are given a User ID, you must keep your User ID secure and:

    • a- not permit any other person to use your User ID, including not disclosing or providing it to any other person; and

    • b- immediately notify us if you become aware of any disclosure or unauthorized use of your User ID, by sending an email to query@stark-grp.com

  3. You must:

    • a- not act in a way, or use or introduce anything (including any virus, worm, Trojan horse, timebomb, keystroke logger, spyware or other similar feature) that in any way compromises, or may compromise, the Website or any Underlying System, or otherwise attempt to damage or interfere with the Website or any Underlying System; and

    • b unless with our agreement, access the Website via standard web browsers only and not by any other method. Other methods include scraping, deep-linking, harvesting, data mining, use of a robot or spider, automation, or any similar data gathering, extraction or monitoring method.

  4. You must obtain our written permission to establish a link to our Website. If you wish to do so, email your request to query@stark-grp.com.

  5. You must indemnify us against all Loss we suffer or incur as a direct or indirect result of your failure to comply with these Terms, including any failure of a person who accesses and uses our Website by using your User ID.

IV- Intellectual Property:

We (and our licensors) own all proprietary and intellectual property rights in the Website (including all information, data, text, graphics, artwork, photographs, logos, icons, sound recordings, videos and look and feel), and the Underlying Systems.


V- Disclaimers:

  1. To the extent permitted by law, we and our licensors have no liability or responsibility to you or any other person for any Loss in connection with:

    • a- the Website being unavailable (in whole or in part) or performing slowly;

    • b- any error in, or omission from, any information made available through the Website;

    • c- any exposure to viruses or other forms of interference which may damage your computer system or expose you to fraud when you access or use the Website. To avoid doubt, you are responsible for ensuring the process by which you access and use the Website protects you from this; and

    • d- any site linked from the Website. Any link on the Website to other sites does not imply any endorsement, approval or recommendation of, or responsibility for, those sites or their contents, operations, products or operators.

  2. We make no representation or warranty that the Website is appropriate or available for use in all countries or that the content satisfies the laws of all countries. You are responsible for ensuring that your access to and use of the Website is not illegal or prohibited, and for your own compliance with applicable local laws.

VI- Liability:

  1. To the maximum extent permitted by law:

    • a- you access and use the Website at your own risk; and

    • b- we are not liable or responsible to you or any other person for any Loss under or in connection with these Terms, the Website, or your access and use of (or inability to access or use) the Website. This exclusion applies regardless of whether our liability or responsibility arises in contract, tort (including negligence), equity, breach of statutory duty, or otherwise.

  2. Except to the extent permitted by law, nothing in these Terms has the effect of contracting out of consumer protection law that cannot be excluded. To the extent our liability cannot be excluded but can be limited, our liability is limited to SGD100.00 (One Hundred Singapore Dollars).

  3. To the maximum extent permitted by law and only to the extent clauses VII.1 and VII.2 of these Terms do not apply, our total liability to you under or in connection with these Terms, or in connection with the Website, or your access and use of (or inability to access or use) the Website, must not exceed SGD100.00 (One Hundred Singapore Dollars).


VII- Suspension and Termination:

  1. Without prejudice to any other right or remedy available to us, if we consider that you have breached these Terms or we otherwise consider it appropriate, we may immediately, and without notice, suspend or terminate your access to the Website (or any part of it).

  2. On suspension or termination, you must immediately cease using the Website and must not attempt to gain further access.


VIII- General:

  1. Clauses which, by their nature, are intended to survive termination of these Terms, including clauses III.5, IV, V, VI, VII.1, continue in force.

  2. These terms are to be understood and interpreted in the context of our Privacy and Terms accessible with this link.

 

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