Terms Of Use

General


Please read these Terms carefully before accessing or using our website. By accessing or using the platform, you agree to be bound by the Terms of Use (“Terms”).

These Terms of Use and our Privacy Policy form the basis on which you may access and use our platform, including its website, mobile sites and services (the “Platform”). In the terms and conditions stated here, whenever we use “We”, “Us”, and “Our”, it refers to ibizcover.com “You”, “Your” and “User*(s)” refers to anyone who uses ibizcover.com.

We reserve the right to change or modify our platform, the contents thereof, the Services and these Terms at or other conditions at any time our website without prior notice to you. All modifications will be posted on our platform and will become effective immediately upon such posting to our platform. Your continued use of our platform and/or the Services after such changes or modifications shall be deemed to be your agreement to the revised/modified Terms. Should you disagree with any part of our Terms or other notices on our platform, your sole option is to immediately cease your use of our website or use any services.

Legal Disclaimer on Usage of Platform

The information contained in the platform is intended solely to provide information.

The information is provided with the understanding that it is not herein engaged in rendering advice, recommendations or make referrals relating to insurance and Takaful products. As such, it should not be used as a substitute for consultations. Please contact the insurance companies, and/or insurance brokers to obtain professional consultations concerning the relevant insurance coverage or services.

Note that nothing on this website is, or shall be deemed to represent, a proposal to sell to you any product or service or to enter into any contract with you in respect to any product or service. By giving us your details, you are making a proposal to get the relevant product or service from the relevant third party based on its terms and conditions.

2.1 Restrictions on use of website

In accessing or using our platform you agree that you will not:

  1. use any automated device, software, process or means to access, retrieve, scrape, or index our platform or any content on our website;
  2. use or index any content or data on our platform for purposes of:
    i. building a database of insurance coverage information; or
    ii. competing with us in any manner that we have not specifically authorised;
  3. transmit spam, chain letters, contests, junk email, surveys, or other mass messaging, whether commercial in nature or not;
  4. violate the rights of any person, including copyright, trade secret, privacy right, or any other intellectual property or proprietary right;
  5. pose as any person or entity or attempt to solicit money, passwords or personal information from any person;
  6. act in violation of any Term of Use or other condition posed by us or any applicable law;
  7. reproduce, republish, retransmit, modify, adapt, distribute, translate, create derivative works or adaptations of, publicly display or in any way exploit our platform or any content on our website;
  8. transmit or attempt to transmit any computer viruses, worms, defects, Trojan horses or other items of a destructive nature.
  9. We reserve the right to exercise whatever means we deem necessary to prevent unauthorised access to or use of our platform, including, but not limited to, instituting technological barriers, or reporting your conduct to any person or entity.

Accuracy of Information

  1. We uses reasonable efforts to obtain information from reliable sources. The information provided is for reference and information only and are subject to change without notice. Nothing contained on the platform constitutes recommendation or other advice nor is it to be relied on in making decisions. You should obtain relevant and specific independent professional advice before making any decisions to purchase.
  2. No representation is made or warranty given as to the completeness or accuracy of such information contained therein (including, but not limited to any content or information generated on our platform).
  3. The platform and its content despite our best efforts, may contain inaccuracies, typographical errors or omissions that may relate to product and service descriptions, pricing and promotions. We make no representations about the accuracy, reliability, completeness, or timelines of the content and the Platform. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or any related website inaccurate at any time without prior notice to you.

Provision of Data

  1. In general, you can visit our Platform without revealing your personal information. However, in order to access certain areas or Services offered, you must provide certain current, complete and accurate information about you and/or your company as prompted to do so by the registration form and maintain and update such registration information. Additionally, by creating your profile and submitting your information you confirm that you have read and agree to these Terms and Privacy Policy.
  2. As a condition to using the Services you are required to register on the Platform, create a profile with the requisite information and select a password and username. You may be required to provide certain additional information as may be specified at the time of registration or as specified in the Privacy Policy.
  3. You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you without appropriate authorisation, or a name that is otherwise offensive, vulgar or obscene. You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You are solely responsible for all activities resulting from the use of your password and conducted through your computer and/or account. You agree to immediately notify ibizcover.com in the event that any unauthorised use of your account or login or any other breach of security comes to your attention.
  4. We retain the right, in its sole discretion, to suspend or terminate your account and rights to use the services, if it finds that you are in breach of the eligibility criteria set out or if you violate any of these Terms.
  5. By submitting your information, you solely consent that we and/or the insurance companies can use the information for administration, marketing and/or responding to your enquiries purposes.
  6. Should you wish to opt out of future marketing and sharing of information to third parties, please advise us by contacting via email at [email protected].

Third Parties – Links, Advertisements and Content

  1. This Platform contains content and links to other websites operated by third parties. Those third-party websites do not form part of our platform and are not under our control or responsibility. By accessing our platform, you agree that any information collected can be used for the purposes of obtaining information requested and for marketing purposes.
  2. We do not have a practice of monitoring or making enquiries about Third Party Content. We make no warranty as to the accuracy or reliability of the information contained on any third-party websites. Third Party Content does not represent our views. When you access any Third-Party websites you leave our platform and do so entirely at your own risk.

Contributions

  1. Our platform contains contributions provided by other parties (Third-Party Content). The content, including (but not limited to) data, images, videos, audio or other materials that ibizcover.com has permitted you to host, share, publish, post, store or upload to our platform as permitted under these terms, ibizcover.com may at any time, without liability to you, remove, alter or disable access to any or all of your Contributions in its sole discretion without prior notice to you.

Intellectual Property Disclosure

You are prohibited from copying, modifying, displaying, distributing, transmitting, through the use of technology, publishing, creating derivative works or using any of the content, features and all intellectual property rights of our Platform for any purpose.

Payment for Services

ibizcover.com is not responsible for accepting or receiving any payments of services or products on this Platform.

Warranty and Liability Disclaimer

  1. We are constantly striving to improve the quality of Services provided to you. Due to this, the form and nature of Services provided may change from time to time without any prior notice to you. We reserves the right to introduce and initiate new features, functionalities, components to the Platform and/or change, alter, modify, suspend, discontinue or remove the existing ones without any prior notice to you. Further, we are entitled to discontinue (either permanently or temporarily) one or more of the Services provided or terminate the Platform without any prior notice to you. We may also prescribe certain limits on the use of the Platform and/or Services at its sole discretion without any prior notice to you while at all times complying with Privacy Policy.
  2. The Platform, all the materials and services, included on or otherwise made available to you is provided on an “AS IS” and AS AVAILABLE” basis without warranty of any kind, either express or implied. Without prejudice to the foregoing paragraph, we do not warrant that:
  3. This Platform will be constantly available, or available at all; or
  4. The information on this Platform is complete, true, accurate or not misleading.

IN NO EVENT SHALL IBIZCOVER.COM BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOSS OF REVENUE, LOSS OF GOODWILL, LOSS OF CUSTOMERS, LOSS OF CAPITAL, DOWNTIME COSTS, LOSS OF PROFIT, LOSS OF OR DAMAGE TO REPUTATION, LOSS UNDER OR IN RELATION TO ANY OTHER CONTRACT, LOSS OF DATA, LOSS OF USE OF DATA, LOSS OF ANTICIPATED SAVINGS OR BENEFITS SUFFERED OR INCURRED BY OR AWARDED AGAINST YOU UNDER OR IN ANY WAY CONNECTED WITH THIS AGREEMENT OR THE PLATFORM.

Indemnity

You agree to indemnify and hold ibizcover.com and its affiliates (and their officers, partners and employees) against any and all loss, liability, claim or demand (including reasonable attorneys’ fees arising out of, or in connection with your use of and access to our platform) in accordance with these terms.

Reservation of Rights

To keep up with changing legislation, platform changes and practices, we may revise this Terms and Conditions at any time without prior notice to users. We will post a revised version on this Platform. To stay up to date on any changes, check back periodically.

This Terms and Conditions were last updated in April 2024.