IPILIH SDN. BHD. (IPSB:IPILIH:iPilih:iPilih.my)

1. Semua promosi khas untuk pelanggan iPilih.my sahaja.
2. Setiap Mata Ganjaran 5,000 adalah persamaan RM 5.00.
3. Kami akan menghubungi anda melalui telefon, WhatsApp dan e-mel yang dibekalkan oleh pelawat / pelanggan, bagi tujuan kongsi sebut harga atau promosi semasa dari iPilih.
4. Kami (iPilih) berhak menolak permohonan anda bagi kemudahan yang kami sediakan.
5. Yuran proses cukai jalan RM 15-20 sahaja.
6. Jika berlaku kerugian dalam proses penghantaran, pihak kami akan membayar ganti rugi untuk cetak semula cukai jalan di JPJ (kereta: RM50 dan motorsikal RM20) dan wang proses cukai jalan juga akan dipulangkan sepenuhnya.
7. Yuran proses (iPilih.my) ansuran mudah tanpa faedah tertakluk kepada 5% maxima dari jumah bayaran.
8. Sebut harga insurans, takaful dan road tax berdasarkan Semenanjung Malaysia, kelebihan towing mungkin berbeza antara Semenanjung, Sabah, Sarawak dan Labuan.
9. Bagi pembatalan pembelian polisi, caj proses atau perkhidmatan bank akan dikenakan mengikut saluran bayaran yang dibuat amount keseluruhan (RM x X% + RM 5).
10. Kenderaan pemilikan syarikat wajib tambah perlindunagn semua pemandu.

Welcome to iPilih (IPILIH SDN. BHD.).
These terms and conditions outline the rules and regulations for the use of iPilih’s Website, located at www.ipilih.my.

By accessing this website, we assume you accept these terms and conditions. Do not continue to use iPilih if you do not agree to take all of the terms and conditions stated on this page. Our Terms and Conditions were created with the help of the Terms And Conditions Generator and the Free Terms & Conditions Generator.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: “Client”, “You” and “Your” refers to you, the person log on this website and compliant to the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services, in accordance with and subject to, prevailing law of Netherlands. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.

Cookies
We employ the use of cookies. By accessing iPilih, you agreed to use cookies in agreement with the iPilih’s Privacy Policy.

Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website. Some of our affiliate/advertising partners may also use cookies.

License
Unless otherwise stated, iPilih and/or its licensors own the intellectual property rights for all material on iPilih. All intellectual property rights are reserved. You may access this from iPilih for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

• Republish material from iPilih
• Sell, rent or sub-license material from iPilih
• Reproduce, duplicate or copy material from iPilih
• Redistribute content from iPilih

This Agreement shall begin on the date hereof.

Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website. iPilih does not filter, edit, publish or review Comments prior to their presence on the website. Comments do not reflect the views and opinions of iPilih, its agents and/or affiliates. Comments reflect the views and opinions of the person who post their views and opinions. To the extent permitted by applicable laws, iPilih shall not be liable for the Comments or for any liability, damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

iPilih reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive or causes breach of these Terms and Conditions.

You warrant and represent that:

• You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
• The Comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party;
• The Comments do not contain any defamatory, libellous, offensive, indecent or otherwise unlawful material which is an invasion of privacy
• The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant iPilih a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

Hyperlinking to our Content
The following organizations may link to our Website without prior written approval:

• Government agencies;
• Search engines;
• News organizations;
• Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
• System wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.

We may consider and approve other link requests from the following types of organizations:

• commonly-known consumer and/or business information sources;
• com community sites;
• associations or other groups representing charities;
• online directory distributors;
• internet portals;
• accounting, law and consulting firms; and
• educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavourably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of iPilih; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to iPilih. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organizations may hyperlink to our Website as follows:

• By use of our corporate name; or
• By use of the uniform resource locator being linked to; or
• By use of any other description of our Website being linked to that makes sense within the context and format of content on the linking party’s site.

No use of iPilih’s logo or other artwork will be allowed for linking absent a trademark license agreement.

iFrames
Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.

Content Liability
We shall not be hold responsible for any content that appears on your Website. You agree to protect and defend us against all claims that is rising on your Website. No link(s) should appear on any Website that may be interpreted as libellous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Your Privacy
Please read Privacy Policy

Reservation of Rights
We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amen these terms and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website
If you find any link on our Website that is offensive for any reason, you are free to contact and inform us any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Disclaimer
To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

• limit or exclude our or your liability for death or personal injury;
• limit or exclude our or your liability for fraud or fraudulent misrepresentation;
• limit any of our or your liabilities in any way that is not permitted under applicable law; or
• exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

UNDERWRITING
Your insurance or takaful is underwritten by your chosen insurance company or takaful operator. iPilih works with the licensed insurance and takaful agencies that represent the insurance companies or takaful operators that underwrite your policies. The underwriter and licensed agencies are as below respectively:

1. Syarikat insurans: Syarikat Takaful Malaysia Berhad
   Agensi: Setia Teguh Cetera Services (003014868-W)
2. Syarikat insurans: Etiqa General Takaful Berhad
   Agensi: Setia Teguh Cetera Services (003014868-W)
3. Syarikat insurans: AmGeneral Insurance Berhad
   Agensi: Setia Teguh Cetera Services (003014868-W)
4. Kurnia Insurans (Malaysia) Berhad)
   Agensi: Setia Teguh Cetera Services (003014868-W)
5. Syarikat insurans: Zurich General Insurance Malaysia Berhad
   Agensi: ST Cetera Services (003077464-H)
6. Syarikat insurans: Zurich General Takaful Malaysia Berhad
   Agensi: ST Cetera Services (003077464-H)
7. Syarikat insurans: Takaful Ikhlas General Berhad
   Agensi: ST Cetera Services (003077464-H)
8. Syarikat insurans: MPI Generali Insurans Berhad
   Agensi: ST Cetera Services (003077464-H)
9. Syarikat insurans: Allianz Malaysia Berhad
   Agensi: STCS Agency (003110785-H)
10. Syarikat insurans: Liberty Insurance Berhad
    Agensi: STCS Agency (003110785-H)
11. Syarikat insurans: Pacific & Orient Insurance Co. Bhd
    Agensi: E Agency Sdn. Bhd (Mohd Amin Bin Mat Yusop) (1374965-K)

INSURANCE QUOTES AND COVERAGES
All quotes generated by iPilih Products are based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on our website are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to iPilih whether on iPilih’s website, mobile app or otherwise. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state.

Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for insurance offered on iPilih, care not to make a misrepresentation in answering the questions in our purchase flow. You must answer all questions fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance. The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied of renewed with us. In addition to answering the questions in iPilih’s purchase flow, you are required to disclose any other matter that you know to be relevant to our decision in accepting the risks and determining the rates, and terms to be applied. You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us any of the information given is inaccurate or has changed.