General

The information provided on this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject BIB Insurance Brokers Sdn Bhd or its subsidiaries or affiliates to any registration requirement within such jurisdiction or country. Neither the information, nor any opinion contained in this site constitutes a solicitation or offer by BIB Insurance Brokers Sdn Bhd to buy or sell any products, services, securities, futures, options, other financial instruments, provide any investment or financial advice or an invitation to enter into any legally binding contract or arrangement. The products and services described in this site are available only to residents of Malaysia. Your eligibility for any particular products or services is subject to the final determination and acceptance by BIB Insurance Brokers Sdn Bhd.

Disclaimers

The materials and information in this website, including but not limited to services, products, information, data, text, graphics, audio, video, links or other items, are provided by BIB Insurance Brokers Sdn Bhd on an "as is" and "as available" basis. References to material and information contained in the website include such material and information provided by third parties.

BIB Insurance Brokers Sdn Bhd does not make any express or implied warranties, representations or endorsements including but not limited to any warranties of title, non-infringement, merchantability, usefulness, operation, accuracy, satisfactory quality, reliability, fitness for a particular purpose in respect of the website, the material, information and/or functions therein and expressly disclaims liability for errors and omissions in such materials, information and/or functions. Without derogation of the above and/or the terms and conditions of the applicable agreements governing all the products and services of BIB Insurance Brokers Sdn Bhd, reasonable measures will be taken by BIB Insurance Brokers Sdn Bhd to ensure the accuracy and validity of all information relating to transactions and products of BIB Insurance Brokers Sdn Bhd.

Further BIB Insurance Brokers Sdn Bhd does not warrant or represent that access to the whole or part(s) of this website, the materials, information and/or functions contained therein will be provided uninterrupted or free from errors or that there will be no delays, failures, errors or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. However, defects identified (if any) will be promptly addressed to ensure materials, information and/or functions contained therein are accurate.

The materials, information and functions provided in this website shall not under any circumstances be considered or construed as an offer or solicitation to sell, buy, give, take, issue, allot or transfer, or as the giving of any advice in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual funds or other securities, investments, loans, advances, credits or deposits in any jurisdiction. You shall be responsible to evaluate the quality, adequacy, completeness, current ness and usefulness of all services, content, advice, opinions and other information obtained or accessible through the website; further you should seek professional advice at all times and obtain independent verification of the materials and information provided herein prior to making any investment, business or commercial decision based on any such materials or information.

The terms and conditions on use and access and the information that appear on this site are subject to change from time to time and at any time without notice. BIB Insurance Brokers Sdn Bhd is under no obligation to update the information on this site to reflect changes in circumstances which information would then differ from previously published information.

Use of Links

Links from or to websites outside this website are meant for convenience only. Such linked websites are owned and operated by third parties and as such are not under the control of BIB Insurance Brokers Sdn Bhd. Therefore BIB Insurance Brokers Sdn Bhd shall not be responsible and makes no warranties in respect of the contents of those websites, the third parties named therein or their products and services

Furthermore, the links provided in this website shall not be considered an endorsement or verification or approval of such linked websites or the contents therein. Linking to any other site is at your sole risk and BIB Insurance Brokers Sdn Bhd will not be responsible or liable for any damages in connection with linking. It is advisable for you to read the privacy policy statements (if any) of any websites which are linked to this website.

Copyright © 2006 BIB Insurance Brokers Sdn Bhd

Unless otherwise indicated, the copyright in this website and its contents, including but not limited to the text, images, graphics, sound files, animation files, video files, and their arrangement, are the property of BIB Insurance Brokers Sdn Bhd, and are protected by applicable Malaysian and international copyright laws. No part or parts of this website may be modified, copied, distributed, retransmitted, broadcast, displayed, performed, reproduced, published, licensed, transferred, sold or commercially dealt with in any manner without the express prior written consent of BIB Insurance Brokers Sdn Bhd.

You also may not, without BIB Insurance Brokers Sdn Bhd express prior written consent, insert a link to this website on any other website, frame or "mirror" any material contained on this website on any other server.

Any such unauthorized reproduction, retransmission or other copying or modification of any of the contents of BIB Insurance Brokers Sdn Bhd website may be in breach of statutory or common law rights which could be the subject of legal action. BIB Insurance Brokers Sdn Bhd disclaims all liability which may arise from any unauthorized reproduction or use of the contents of this BIB Insurance Brokers Sdn Bhd website.

If you download any information or software from this site, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.

Trademarks

All trade marks, service marks, and logos displayed in this website are the property of BIB Insurance Brokers Sdn Bhd and/or their respective third party proprietors as identified in the website.

Unless the prior written consent of BIB Insurance Brokers Sdn Bhd or the relevant third party proprietor of any of the trade marks, service marks or logos appearing on the website has been obtained, no license or right is granted to any party accessing this website to use, download, reproduce, copy or modify such trade marks, services marks or logos. Similarly, unless the prior written consent of BIB Insurance Brokers Sdn Bhd or the relevant proprietor has been obtained, no such trade mark, service mark or logo may be used as a link or to mark any link to the BIB Insurance Brokers Sdn Bhd website or any other site.

Exclusion of Liability

BIB Insurance Brokers Sdn Bhd AND/OR ITS PARTNERS HEREIN SHALL IN NO EVENT BE LIABLE FOR ANY LOSS OR DAMAGES HOWSOEVER ARISING WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER BASIS, INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR LOSS PROFITS OR SAVINGS ARISING IN CONNECTION WITH YOUR ACCESS OR USE OR THE INABILITY TO ACCESS OR USE THIS WEBSITE (OR ANY THIRD PARTY LINK TO OR FROM BIB INSURANCE BROKERS SDN BHD WEBSITE), RELIANCE ON THE INFORMATION CONTAINED IN THE WEBSITE, ANY TECHNICAL, HARDWARE OR SOFTWARE FAILURE OF ANY KIND, THE INTERRUPTION, ERROR, OMMISSION, DELAY IN OPERATION, COMPUTER VIRUSES, OR OTHERWISE. THIS EXCLUSION CLAUSE SHALL TAKE EFFECT TO THE FULLEST EXTENT PERMITTED BY LAW.

Indemnity

You hereby irrevocably agree to indemnify and keep indemnified BIB Insurance Brokers Sdn Bhd from all liabilities, claims, losses and expenses, including any legal fees that may be incurred by BIB Insurance Brokers Sdn Bhd in connection with or arising from (1) your use or misuse of this website and the services provided herein, or (2) your breach of these terms and conditions howsoever occasioned, or (3) any intellectual property right or proprietary right infringement claim made by a third party against BIB Insurance Brokers Sdn Bhd in connection with your use of this website.

Termination

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

Miscellaneous

The failure of BIB Insurance Brokers Sdn Bhd to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision. If any part of these terms and conditions is determined to be invalid or unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the other provisions of the terms and conditions shall continue in full force and effect. Any rights not expressly granted herein are reserved.

Law and Jurisdiction

These terms and conditions are governed by and are to be construed in accordance with the laws of Malaysia. By accessing this website and/or using the services provided herein by BIB Insurance Brokers Sdn Bhd, you hereby consent to the exclusive jurisdiction of the Malaysian courts in Kuala Lumpur, Malaysia in all disputes arising out of or relating to the use of this website. BIB Insurance Brokers Sdn Bhd makes no representation that the materials, information, functions and/or services provided on this website are appropriate or available for use in jurisdictions other than Malaysia.