These Terms and Conditions ("Terms") govern your access to and use of the applications, websites, products, and services ("Services") provided by VSURE[cite: 4]. Please read these Terms carefully before accessing or using our Services[cite: 4].

For the purposes of these Terms, references to "you" or "your" shall include you as an individual, your authorized representatives, and any entity that you represent in connection with your access to or use of the Services[cite: 4].

Any reference to "VSURE" in these Terms shall refer to VSURE Sdn Bhd (1339813-K), including its subsidiaries, successors, assigns, affiliates, any entity that directly or indirectly controls VSURE, and any subsidiaries of such controlling entity, where applicable[cite: 4].

The availability of certain products and services offered by VSURE may vary depending on your location, eligibility, and applicable requirements[cite: 4]. Not all products or services described on our websites or applications may be available to all users[cite: 4]. VSURE reserves the right to determine eligibility for its products and services at its sole discretion[cite: 4].

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy[cite: 4]. Our Privacy Policy contains important information regarding how we collect, use, disclose, and process your personal information, including information that may be used in assessing and determining applicable premiums[cite: 4].

If you do not agree with these Terms or our Privacy Policy, you must not access, use, or continue to use our Services[cite: 4].

Amendments to Terms

VSURE reserves the right to modify, update, or amend these Terms from time to time at its sole discretion[cite: 4]. Any changes will become effective upon publication of the updated Terms on our applications or websites ("Site"), unless otherwise stated[cite: 4].

You are responsible for reviewing these Terms periodically to stay informed of any updates[cite: 4]. Your continued access to or use of the Site, Applications, or Services after any changes have been published constitutes your acceptance of the revised Terms[cite: 4].

Eligibility and User Responsibilities

By accessing or using our Services, you confirm and represent that[cite: 4]:

• You are legally capable of entering into a binding agreement with VSURE; and[cite: 4]
• You are at least 18 years of age[cite: 4].

Our Services are not intended for individuals below the age of 18[cite: 4]. If VSURE becomes aware, through reliable means, that a registered user is under the age of 18, VSURE reserves the right to suspend or terminate the user's account and access to the Services[cite: 4].

If you access or use the Services on behalf of a company, organization, or any other legal entity, you represent and warrant that you are duly authorized to act on behalf of that entity[cite: 4]. You acknowledge that you remain bound by these Terms in your individual capacity, notwithstanding any separate agreement that may exist between VSURE and such entity[cite: 4].

Third-Party Platforms and Services

You acknowledge and agree that any fees or charges imposed by third-party platforms, including Google Play Store or Apple App Store, in connection with downloading, accessing, or using the Applications or Services shall be your responsibility[cite: 4].

Your use of the Applications and Services is subject to compliance with all applicable third-party terms, conditions, and policies, including but not limited to the terms and policies imposed by Google Play Store and Apple App Store[cite: 4].

You further acknowledge that Google Play Store, Apple App Store, and their respective subsidiaries are third-party beneficiaries of these Terms and may enforce these Terms against you where applicable[cite: 4].

Interpretation

The headings and section titles contained in these Terms are provided for convenience only and shall not affect the interpretation, meaning, or construction of these Terms[cite: 4].

No Financial, Legal, or Professional Advice

The information provided through our Site, Applications, and Services is intended for general informational and convenience purposes only[cite: 4]. Nothing contained within our Site, Applications, or Services should be considered or interpreted as financial, investment, insurance, tax, accounting, or legal advice[cite: 4].

The availability of any information, products, or services through VSURE does not constitute a recommendation, endorsement, or advice to purchase, sell, or participate in any product, service, or transaction[cite: 4].

You should seek independent professional advice before making any financial, insurance, investment, or other decisions based on information provided through our Services[cite: 4].

Policy Renewal and Refunds

At VSURE, we understand that circumstances may arise where you may need to request a policy cancellation, renewal assistance, or refund[cite: 4]. This section explains the applicable processes, requirements, and conditions relating to policy renewals and refunds[cite: 4].

Refund Process

All refund requests submitted to VSURE will be reviewed and assessed on a case-by-case basis[cite: 4]. Our team will conduct the necessary verification and review process to ensure that each request is handled fairly and appropriately[cite: 4].

The processing time for refunds may vary depending on the nature, complexity, and circumstances of each request[cite: 4]. Refund approval and eligibility are subject to the applicable terms and conditions of the insurer[cite: 4]. For updates regarding the status of your refund request, you may contact our customer service team for assistance[cite: 4].

For policies that have been purchased but have not yet been activated or enforced by the insurer, a full refund of the payment amount may be provided upon submission of a valid refund request through our customer service channels[cite: 4]. No processing fee will be imposed for refunds approved under this circumstance[cite: 4].

Overpayment Refunds

In the event of any payment made in excess of the required amount, the excess payment amount will be refunded to you after verification by VSURE[cite: 4].

Cancellation and Refund Requests

To submit a cancellation or refund request, you are required to provide relevant supporting documents, including a valid payment receipt and a formal refund request, for verification and processing[cite: 4].

VSURE reserves the right to request additional information or documentation where necessary to assess the validity of the refund request[cite: 4].

Additional Requirements

Before submitting a refund request, you must ensure that you have not been blacklisted, restricted, or suspended by any relevant regulatory authority or applicable governing body[cite: 4].

Failure to disclose relevant information or providing inaccurate information may result in the rejection or delay of your refund request[cite: 4].

Promotional Offers

From time to time, VSURE may offer promotional campaigns, including but not limited to voucher codes, lucky draws, discounts, or other promotional benefits through our website, applications, or other official channels[cite: 4].

All promotional offers are subject to their respective validity periods, redemption criteria, limitations, and applicable terms and conditions[cite: 4].

Unless otherwise stated[cite: 4]:

• Promotional vouchers are only applicable to the designated VSURE platforms or channels;[cite: 4]
• Promotional vouchers are non-transferable, non-exchangeable, and non-refundable; and[cite: 4]
• VSURE reserves the right to amend, suspend, or terminate any promotional campaign or modify its terms and conditions at any time without prior notice[cite: 4].

At VSURE, we are committed to providing transparent, reliable, and efficient services to our customers[cite: 4]. If you have any questions or require further assistance regarding policy renewal, cancellation, or refund matters, please contact our customer service team[cite: 4].

Warranties and Disclaimers

VSURE provides its Services with a commercially reasonable level of skill, care, and diligence, with the aim of delivering a reliable and satisfactory experience to our customers[cite: 4]. However, there are certain limitations and conditions regarding the use and availability of our Services[cite: 4].

Service Availability and Reliability

While VSURE will make reasonable efforts to maintain the availability, accuracy, and functionality of its Services, VSURE does not warrant or guarantee that the Services will[cite: 4]:

• Always be available, uninterrupted, or error-free;[cite: 4]
• Meet all of your specific requirements or expectations; or[cite: 4]
• Be free from defects, delays, technical issues, or interruptions[cite: 4].

Your access to and use of the Services are subject to the availability of our systems, third-party service providers, internet connectivity, and other factors beyond VSURE’s reasonable control[cite: 4].

Accuracy of Information

VSURE will take reasonable measures to ensure that the information, materials, and content provided through our website, applications, and Services are accurate, complete, and up to date[cite: 4].

However, VSURE does not warrant or guarantee the accuracy, completeness, reliability, or suitability of any information provided through the Site, Applications, or Services[cite: 4]. You acknowledge that information may be subject to change, updates, or corrections from time to time[cite: 4].

Website and Service Access

VSURE does not warrant or represent that access to all or any part of the website, applications, materials, information, features, or functions contained therein will be provided continuously, without interruption, or without errors[cite: 4].

VSURE reserves the right to suspend, restrict, modify, or discontinue any part of the Services at any time, including for maintenance, system upgrades, security reasons, or other operational requirements[cite: 4].

By accessing or using the Services, you acknowledge and agree that your use of the Services is at your own risk and that VSURE provides the Services on an "as available" and "as is" basis, to the extent permitted by applicable laws[cite: 4].

Web and Mobile Application

The information provided through the VSURE website, mobile applications, and related platforms ("Site") is intended for general informational purposes only and should not be interpreted as insurance advice, recommendations, or professional advice provided by VSURE[cite: 4].

While VSURE takes reasonable measures to ensure that information published on the Site is accurate, complete, and up to date, VSURE does not guarantee the accuracy, completeness, reliability, or suitability of such information[cite: 4]. VSURE shall not be responsible or liable for any inaccuracies, omissions, errors, or misinterpretation of information contained on the Site[cite: 4].

Any decisions relating to the purchase of insurance products, including but not limited to coverage amounts, policy limits, deductibles, and other insurance selections, shall remain solely the responsibility of the insured based on the information provided by the relevant insurance provider or representative[cite: 4].

VSURE may update, modify, or revise the content, features, and information available on the Site from time to time without prior notice[cite: 4].

Any insurance claim arising from a purchased policy shall be handled directly between you and the relevant insurance company or takaful operator[cite: 4]. Coverage, benefits, exclusions, and claim eligibility shall be determined solely in accordance with the terms and conditions of the applicable insurance policy and not based on information displayed on the Site[cite: 4].

Before making any purchase decision, you are encouraged to review and obtain a copy of the actual policy wording, product disclosure documents, and relevant insurance documentation provided by the applicable insurer or takaful operator[cite: 4].

Application License

Subject to your compliance with these Terms and Conditions, VSURE grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Applications and Services[cite: 4].

You agree that you shall not[cite: 4]:

• Copy, reproduce, distribute, modify, or create derivative works from any part of the Services without VSURE's prior written consent;[cite: 4]
• Use the Services to send unsolicited communications, advertisements, spam, chain letters, or other unauthorized promotional materials;[cite: 4]
• Upload, transmit, or distribute viruses, malicious code, harmful files, or any software designed to disrupt or damage the Services;[cite: 4]
• Interfere with, disrupt, or attempt to gain unauthorized access to any servers, networks, or systems connected to the Services; or[cite: 4]
• Violate these Terms, VSURE policies, or any applicable laws and regulations[cite: 4].

Your use of the Services does not grant you ownership of any intellectual property rights, content, software, trademarks, or materials made available through the Services[cite: 4]. All such rights remain the property of VSURE and its applicable licensors[cite: 4].

VSURE Rights

All rights, titles, interests, and intellectual property rights relating to the Services, including but not limited to software, technology, content, trademarks, designs, and related materials, shall remain the exclusive property of VSURE and its licensors[cite: 4].

Except for the limited rights expressly granted under these Terms, VSURE reserves all rights relating to the Services[cite: 4].

Account Information

To access certain features of the Services, you may be required to create an account with VSURE[cite: 4].

You represent and warrant that all information provided during registration, account creation, insurance applications, claims submissions, or any other interaction with VSURE, including information obtained through linked third-party accounts, is[cite: 4]:

• Accurate, complete, and truthful;[cite: 4]
• Current and up to date; and[cite: 4]
• Provided in compliance with applicable laws and regulations[cite: 4].

You are responsible for maintaining and updating your account information to ensure that it remains accurate at all times[cite: 4].

VSURE shall not be responsible for any consequences arising from inaccurate, incomplete, outdated, or misleading information provided by you[cite: 4].

Privacy and Passwords

VSURE respects and protects your privacy[cite: 4]. Please refer to the VSURE Privacy Policy for detailed information regarding the collection, use, storage, disclosure, and protection of your personal information[cite: 4].

Certain areas of the Site and Applications may require authentication using a user identification code, username, password, PIN, or other security credentials ("Login Credentials")[cite: 4].

You are responsible for maintaining the confidentiality and security of your Login Credentials and agree not to share them with any unauthorized person[cite: 4].

You must immediately notify VSURE if you believe that[cite: 4]:

• Your Login Credentials have been compromised;[cite: 4]
• Unauthorized access to your account has occurred or may occur; or[cite: 4]
• Any suspicious activity has been detected[cite: 4].

VSURE reserves the right to suspend, restrict, or terminate access to your account where unauthorized access or security risks are suspected, with or without prior notice[cite: 4].

You acknowledge and agree that VSURE may rely on instructions submitted through your Login Credentials and may treat such instructions as authorized by you[cite: 4].

Linked Accounts and Social Networking Services

VSURE may provide functionality that allows you to link your VSURE account with third-party accounts or services, including social networking platforms ("Linked Accounts")[cite: 4].

By linking your account with a Linked Account, you authorize VSURE to access, store, and use information provided through such Linked Account to enhance your experience with the Services[cite: 4].

This may include information such as[cite: 4]:

• Account details;[cite: 4]
• Preferences;[cite: 4]
• Interests;[cite: 4]
• Contacts; or[cite: 4]
• Other permitted information made available through the Linked Account[cite: 4].

Your use of any Linked Account is subject to the terms, conditions, and privacy policies of the relevant third-party service provider[cite: 4]. You are solely responsible for complying with such third-party requirements[cite: 4].

VSURE is not responsible for the availability, security, privacy practices, or content of any third-party services[cite: 4].

Underwriting

All general insurance and takaful products available through VSURE are underwritten by the respective insurance companies or takaful operators selected by you[cite: 4].

The available underwriting partners may include[cite: 4]:

• Takaful Partners[cite: 4]
• Takaful Ikhlas General Berhad[cite: 4]

The availability of insurance products, coverage options, premiums, and policy terms are subject to the underwriting criteria, approval, and policies of the respective insurance companies or takaful operators[cite: 4].

Insurance Quotes and Coverages

All insurance quotations generated through the Site are based on the information provided by you and the applicable insurance company or takaful operator[cite: 4]. Such quotations are for reference purposes only and do not constitute a contract, confirmation of coverage, or guarantee of insurance acceptance[cite: 4].

Any coverage descriptions, benefits, limits, exclusions, premiums, or other insurance-related information displayed on the Site are general summaries only and do not replace or override the terms, conditions, exclusions, and provisions contained in the actual insurance policy documents[cite: 4].

Insurance coverage shall only become effective upon successful submission of an application, completion of the required processes, and approval by the relevant insurance company or takaful operator[cite: 4].

Insurance availability, premiums, coverage limits, and policy terms may vary depending on the applicant’s eligibility, location, risk profile, underwriting requirements, and applicable regulations[cite: 4].

When applying for insurance through the Site, you are responsible for ensuring that all information provided is complete, accurate, and truthful[cite: 4].

You must exercise reasonable care when answering all questions during the application process[cite: 4]. Failure to provide accurate, complete, and truthful information may result in[cite: 4]:

• Rejection of your insurance application;[cite: 4]
• Cancellation, avoidance, or termination of your insurance contract;[cite: 4]
• Reduction or refusal of claims;[cite: 4]
• Adjustment of policy terms, conditions, or premiums; or[cite: 4]
• Other actions taken by the insurer or takaful operator in accordance with applicable laws and policy terms[cite: 4].

Your duty of disclosure continues until the insurance contract is entered into, amended, or renewed[cite: 4]. You must also promptly notify the relevant insurer or takaful operator if any information previously provided becomes inaccurate, incomplete, or changes materially[cite: 4].

Claims Submission

VSURE is committed to assisting customers throughout the claims process by providing guidance and support[cite: 4]. However, all claims are subject to assessment, approval, and processing by the relevant insurance company or takaful operator[cite: 4].

To submit a motor insurance claim, you may follow the steps below[cite: 4]:

• Step 1: Contact VSURE or Your Insurance Provider
  You may contact VSURE’s dedicated support team through the available customer service channels for assistance with your claim[cite: 4]. Alternatively, you may contact your respective insurance provider or takaful operator directly through their designated claims hotline[cite: 4].
• Step 2: Provide Required Information
  You are required to provide all relevant information and supporting documentation relating to the incident, including but not limited to[cite: 4]: Incident reports; Photographs or supporting evidence; Policy details; Claim forms; and Any other documents requested by VSURE or the insurer[cite: 4].
• Step 3: Claim Assessment
  VSURE and/or the relevant insurer will review the submitted claim details and may provide guidance on available panel workshops or other required procedures where applicable[cite: 4].
• Step 4: Claim Resolution
  Upon approval by the relevant insurer or takaful operator, the claim will be processed in accordance with the applicable policy terms and conditions[cite: 4].

VSURE will endeavour to provide timely assistance throughout the claims process but does not guarantee claim approval, processing duration, or settlement outcome, as these decisions remain the responsibility of the respective insurer or takaful operator[cite: 4].

User Content

Certain features of the Services may allow you to submit, upload, or provide content, including but not limited to text, photographs, videos, audio recordings, documents, and other materials ("User Content")[cite: 4].

By submitting User Content to VSURE, you grant VSURE the necessary rights to use, process, store, display, reproduce, and distribute such User Content solely for the purpose of operating, improving, and providing the Services[cite: 4].

You remain responsible for ensuring that any User Content submitted by you does not[cite: 4]:

• Infringe any third-party rights;[cite: 4]
• Violate applicable laws or regulations;[cite: 4]
• Contain unlawful, misleading, or harmful material; or[cite: 4]
• Breach any confidentiality obligations[cite: 4].

License Granted by You to VSURE

By submitting User Content through the Services, you grant VSURE a worldwide, royalty-free, non-exclusive, irrevocable license to[cite: 4]:

• Host, store, reproduce, display, and process your User Content;[cite: 4]
• Modify or adapt User Content where necessary for technical, operational, or service-related purposes;[cite: 4]
• Make User Content available to service providers, partners, or third parties where required to provide the Services; and[cite: 4]
• Use User Content in accordance with these Terms and VSURE’s Privacy Policy[cite: 4].

VSURE will only use User Content in accordance with applicable laws and its obligations relating to personal data protection[cite: 4].

Submitted Ideas and Feedback Policy

If you submit ideas, suggestions, recommendations, documents, proposals, feedback, or other materials relating to VSURE’s Services, products, or operations ("Contributions"), you acknowledge and agree that[cite: 4]:

• Your Contributions do not contain confidential, proprietary, or restricted information belonging to you or any third party;[cite: 4]
• VSURE has no obligation to maintain the confidentiality of such Contributions unless otherwise agreed in writing;[cite: 4]
• VSURE may use, modify, develop, disclose, or choose not to use such Contributions for any purpose;[cite: 4]
• VSURE may already be considering or developing similar ideas, concepts, or solutions;[cite: 4]
• All rights, title, and interest in such Contributions shall vest in VSURE upon submission; and[cite: 4]
• You shall not be entitled to any compensation, reimbursement, royalty, or payment arising from VSURE’s use of such Contributions[cite: 4].

Unauthorized Use

You agree to use the Services responsibly and only for lawful purposes[cite: 4]. You must not use the Services in any manner that may harm VSURE, other users, third parties, or the operation and security of the Services[cite: 4].

You agree to[cite: 4]:

• Comply with these Terms, the Privacy Policy, and applicable laws;[cite: 4]
• Provide accurate information to VSURE and keep such information updated;[cite: 4]
• Respect the rights, privacy, and security of other users; and[cite: 4]
• Act honestly and in good faith when using the Services[cite: 4].

You must not[cite: 4]:

• Create an account using false information or impersonate another person;[cite: 4]
• Harass, threaten, abuse, intimidate, defame, or harm any person;[cite: 4]
• Access another user’s account without authorization;[cite: 4]
• Copy, reproduce, distribute, sell, license, or commercially exploit any part of the Services without VSURE’s approval;[cite: 4]
• Reverse engineer, decompile, modify, or attempt to extract source code from the Services;[cite: 4]
• Use information obtained from the Services to create competing products or services;[cite: 4]
• Modify, adapt, or create derivative works based on the Services;[cite: 4]
• Sell, rent, lease, sublicense, or transfer access to the Services;[cite: 4]
• Use the Services for unauthorized advertising, solicitation, or commercial activities;[cite: 4]
• Remove copyright, trademark, or proprietary notices;[cite: 4]
• Collect or misuse personal information belonging to other users;[cite: 4]
• Share other users’ information without authorization;[cite: 4]
• Use VSURE trademarks, logos, or branding without prior written approval;[cite: 4]
• Use automated tools, bots, scripts, crawlers, or similar technologies to access or extract data from the Services;[cite: 4]
• Monitor or access the Services for competitive purposes;[cite: 4]
• Interfere with, disrupt, overload, or compromise the security of the Services;[cite: 4]
• Introduce viruses, malware, or harmful code; or[cite: 4]
• Attempt to bypass security measures or access restrictions[cite: 4].

VSURE reserves the right to suspend or terminate access to the Services where unauthorized use or violations of these Terms are identified[cite: 4].

Notices

As part of your use of the Services, VSURE may send you service-related communications, including but not limited to administrative notices, updates, security alerts, policy reminders, and other important information relating to your account or use of the Services[cite: 4].

Where applicable, you may manage your communication preferences or opt out of certain non-essential communications[cite: 4]. However, you acknowledge that VSURE may continue to send important service-related communications where necessary for account management, legal compliance, security, or operational purposes[cite: 4].

Third-Party Links, Websites, and Services

The Services may contain links to third-party websites, platforms, applications, advertisements, services, promotions, or other external resources that are not owned, operated, or controlled by VSURE[cite: 4].

VSURE does not[cite: 4]:

• Endorse or recommend any third-party websites, services, products, or content;[cite: 4]
• Control the availability, accuracy, security, or reliability of third-party resources; or[cite: 4]
• Accept responsibility or liability for the content, privacy practices, terms, or operations of any third-party websites or services[cite: 4].

Your access to and use of any third-party websites, services, or content through the Services is entirely at your own risk[cite: 4].

You are responsible for reviewing the applicable terms and conditions and privacy policies of any third-party websites or services that you access[cite: 4].

By using the Services, you acknowledge that VSURE shall not be liable for any loss, damage, or claims arising from your use of third-party websites, products, or services[cite: 4].

Disclosure of Information

VSURE reserves the right to access, review, retain, and disclose information relating to your use of the Services where VSURE reasonably believes such action is necessary to[cite: 4]:

• Comply with applicable laws, regulations, legal processes, court orders, or government requests;[cite: 4]
• Enforce these Terms and investigate potential violations;[cite: 4]
• Detect, prevent, or address fraud, security threats, technical issues, or misuse of the Services;[cite: 4]
• Cooperate with regulatory authorities, law enforcement agencies, or other authorized entities;[cite: 4]
• Respond to customer support requests; or[cite: 4]
• Protect the rights, property, safety, and interests of VSURE, its users, partners, or the public[cite: 4].

Any disclosure of personal information shall be carried out in accordance with applicable data protection laws and VSURE’s Privacy Policy[cite: 4].

Limitation of Liability

To the fullest extent permitted by applicable laws, the Services are provided on an "as is" and "as available" basis[cite: 4].

You acknowledge and agree that[cite: 4]:

• Your use of the Services is entirely at your own risk;[cite: 4]
• VSURE does not guarantee that the Services will be uninterrupted, secure, timely, accurate, or error-free;[cite: 4]
• VSURE does not warrant that the Services will meet all your specific requirements or expectations;[cite: 4]
• Any information, materials, or content obtained through the Services are accessed and used at your own discretion and risk; and[cite: 4]
• You are solely responsible for any damage to your device, loss of data, or other consequences resulting from your use of the Services[cite: 4].

To the maximum extent permitted by law, VSURE expressly disclaims all warranties and conditions, whether express, implied, statutory, or otherwise, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, reliability, and non-infringement[cite: 4].

VSURE, its subsidiaries, affiliates, directors, officers, employees, agents, partners, and licensors shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to[cite: 4]:

• Loss of profits;[cite: 4]
• Loss of business opportunities;[cite: 4]
• Loss of goodwill;[cite: 4]
• Loss of data;[cite: 4]
• Business interruption; or[cite: 4]
• Other intangible losses,[cite: 4]

arising from or relating to your access to, use of, or inability to use the Services[cite: 4].

Assignment

VSURE reserves the right to assign, transfer, sublicense, or otherwise dispose of any of its rights and obligations under these Terms to any subsidiary, affiliate, successor, or third party without requiring your prior consent[cite: 4].

Where appropriate, VSURE may provide reasonable notice of such transfer[cite: 4].

You may not assign, transfer, delegate, sublicense, or otherwise dispose of your rights or obligations under these Terms without VSURE’s prior written approval[cite: 4].

Indemnity

You agree to defend, indemnify, and hold harmless VSURE, its subsidiaries, affiliates, directors, officers, employees, agents, partners, and licensors from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from or relating to[cite: 4]:

• Your access to or use of the Services;[cite: 4]
• Your breach or violation of these Terms;[cite: 4]
• Your violation of any applicable laws or regulations; or[cite: 4]
• Your infringement or violation of any third-party rights, including intellectual property, privacy, or other legal rights[cite: 4].

Governing Law and Jurisdiction

These Terms, your use of the Services, and any disputes arising from or relating to them shall be governed by and interpreted in accordance with the laws of Malaysia[cite: 4].

You agree to submit to the exclusive jurisdiction of the courts of Malaysia for the resolution of any disputes arising from these Terms or your use of the Services[cite: 4].

General

VSURE reserves the right to modify, suspend, discontinue, or restrict any part of the Services at any time without prior notice where necessary[cite: 4].

These Terms, together with the Privacy Policy and any other policies, notices, or agreements published by VSURE, constitute the entire agreement between you and VSURE regarding your use of the Services[cite: 4].

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, such provision shall be modified or removed to the extent necessary, while the remaining provisions shall continue to remain valid and enforceable[cite: 4].

VSURE’s failure or delay in exercising any right or remedy under these Terms shall not constitute a waiver of that right or remedy[cite: 4].

Electronic Communication

By accessing or using the Site, you consent to receiving records, documents, notices, insurance policies, invoices, endorsements, and other related documents electronically[cite: 4].

This consent applies to all transactions conducted through the Site unless withdrawn by you[cite: 4].

You may request to receive documents in physical form by withdrawing your consent to electronic communications[cite: 4].

To withdraw your consent, you must contact VSURE through the designated customer support channel and provide sufficient information for verification, including[cite: 4]:

• Your name;[cite: 4]
• Policy number;[cite: 4]
• Policy effective and expiry dates;[cite: 4]
• Effective date of withdrawal request; and[cite: 4]
• Details of documents requested in physical form[cite: 4].

VSURE reserves the right to charge reasonable printing, administrative, and delivery fees for providing physical copies of documents[cite: 4].

You may also choose to print electronically provided documents for your own records[cite: 4].

Copyright

Unless otherwise stated, all content available on the Site and Applications, including but not limited to[cite: 4]:

• Text;[cite: 4]
• Images;[cite: 4]
• Graphics;[cite: 4]
• Logos;[cite: 4]
• Audio;[cite: 4]
• Video;[cite: 4]
• Software;[cite: 4]
• Designs; and[cite: 4]
• Other materials,[cite: 4]

are owned by VSURE or its licensors and are protected under applicable Malaysian and international copyright laws[cite: 4].

You must not copy, reproduce, modify, distribute, publish, transmit, display, sell, license, or commercially exploit any part of the Site or its content without VSURE’s prior written consent[cite: 4].

You must not create links, frames, mirrors, or similar reproductions of the Site without VSURE’s prior written approval[cite: 4].

Any unauthorized use, reproduction, or distribution of VSURE’s content may constitute a breach of these Terms and applicable laws[cite: 4].

Trademarks

All trademarks, service marks, logos, and brand names displayed through the Site and Applications are owned by VSURE or used under appropriate authorization[cite: 4].

No rights or licenses are granted to you to use, reproduce, modify, copy, or distribute any trademarks, logos, or brand elements without VSURE’s prior written consent or the consent of the relevant trademark owner[cite: 4].

Exclusion of Liability for Third-Party Actions

VSURE shall not be responsible or liable for any losses, damages, claims, loss of profits, loss of revenue, or financial impacts arising from the acts, omissions, decisions, or delays of third parties or relevant authorities[cite: 4].

This includes, but is not limited to[cite: 4]:

• Decisions or discretion exercised by third parties or regulatory authorities;[cite: 4]
• Cancellation, suspension, or closure of programs, services, or facilities by third parties;[cite: 4]
• Delays caused by third parties in processing applications or requests; and[cite: 4]
• Failure by you to comply with requirements imposed by third parties or relevant authorities[cite: 4].

Modifying and Terminating Services

VSURE continuously improves and updates its Services and may add, modify, suspend, or remove features, products, or functionalities at any time[cite: 4].

You may stop using the Services at any time[cite: 4].

VSURE reserves the right to suspend, restrict, or terminate your access to the Services where[cite: 4]:

• You breach these Terms;[cite: 4]
• You misuse the Services;[cite: 4]
• Your actions may harm VSURE, other users, or third parties; or[cite: 4]
• Required for legal, regulatory, security, or operational reasons[cite: 4].

Where reasonably possible, VSURE will provide advance notice before discontinuing a Service and may provide an opportunity for users to retrieve relevant information[cite: 4].

Business Use of Services

If you access or use the Services on behalf of a business, company, organization, or legal entity, such entity agrees to be bound by these Terms[cite: 4].

You represent that you have the authority to accept these Terms on behalf of such entity[cite: 4].

The entity shall indemnify and hold harmless VSURE, its service providers, officers, employees, and agents from claims, losses, damages, liabilities, and expenses arising from[cite: 4]:

• Use of the Services by the entity;[cite: 4]
• Violation of these Terms; or[cite: 4]
• Any activities conducted through the entity’s account[cite: 4].

About These Terms

VSURE may amend, update, or revise these Terms and any related policies from time to time to reflect[cite: 4]:

• Changes in applicable laws or regulations;[cite: 4]
• Improvements or changes to the Services;[cite: 4]
• Business requirements; or[cite: 4]
• Operational updates[cite: 4].

You are responsible for reviewing the latest version of these Terms whenever you access or use the Services[cite: 4].

Your continued use of the Services following any updates constitutes your acceptance of the revised Terms[cite: 4].