WARRANTIES AND DISCLAIMERS We provide our Services using a commercially reasonable level of skill and care and we hope that you will enjoy using them. But there are certain things that we don’t promise about our Services. While BJAK does not warrant the Services or its reliability, availability or ability to meet your needs, BJAK will take reasonable measures to ensure the accuracy and validity of information on the Site BJAK 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.
WEB AND MOBILE APPLICATION The information available on the Site is not and should not be construed as insurance advice by BJAK. While BJAK will take reasonable measures to ensure the accuracy and validity of information on the Site, BJAK is not liable for any inaccurate, missing or misconstrued information and makes no guarantee as to the quality and precision of such information or content. Any insurance purchasing conclusions and decisions such as coverage amounts, limits and deductibles are completely and solely the responsibility of the insured based on information from the insurance agent on the Site. BJAK may update the Site from time to time to reflect updated content or information. Any claim shall be between you and the insurance agent whom you purchase the policy from and coverage will be determined in accordance with the terms and conditions of the insurance policy and not the Site. Accordingly, you are encouraged to view/download a specimen of your actual policy documentation from the insurance agent prior to making any purchase decision. APPLICATION LICENSE We grant you a limited, non-transferable, non-exclusive, and revocable permission to access and use the Services, provided that: 1. You will not copy, distribute or modify any part of the Services without our prior written authorization; 2. You will not send unsolicited or unauthorized advertisements, spam, chain letters, etc.; 3. You will not transmit any software viruses, or other harmful computer code, files or programs; 4. You will not disrupt servers or networks connected to the Services; and 5. You will comply with these Terms and BJAK’s policies from time to time.
Using our Services does not give you ownership of any intellectual property rights in our Services or the content you access, which shall remain with us and our respective licensors, as applicable.
Some portions of the Site are protected and require a user identification code ("User ID") and pin/password for access. Unauthorized access or use of such portions of the Site is prohibited. You agree that you will notify BJAK immediately if you believe that a third party has obtained your User ID or password, or if you believe that any unauthorized access or use may occur or has occurred, by contacting our support team. For your protection, if BJAK believes that any unauthorized access may occur or has occurred, BJAK may terminate or suspend such access whether with or without prior notice to you. You also agree that BJAK is permitted to act upon any instructions received using your User ID and password and to consider such instructions as authorized by you.
LINKED ACCOUNTS AND SOCIAL NETWORKING SITES BJAK may, now or in the future, allow you to link your account on the Service to your account(s) on third party services, such as social networking sites ("Linked Accounts"). If you link your account on the Service to a Linked Account, you are authorizing BJAK to store and use your access credentials to access your Linked Account on your behalf to integrate your experience with the Service with content, information, and features available through such Linked Account. This may include importing the contacts, preferences, interests or "likes" of the Linked Account, and/or pushing updates regarding your use of the Service out to your Linked Accounts. Linking, accessing or using a third party service through the Service in this manner may be subject to additional terms established by the applicable third party, and it is your sole responsibility to comply with such third party terms.
UNDERWRITING Your insurance or takaful is underwritten by your chosen insurance company or takaful operator. The underwriter and licensed insurance agencies available on the Site are as below respectively:
Insurer: Syarikat Takaful Malaysia Berhad Agency: Usaha BJ Sdn Bhd
Insurer: Pacific & Orient Berhad Agency: Kerjaya Polisi Sdn Bhd
Insurer: Zurich General Takaful Malaysia Agency: Usaha BJ Sdn Bhd
Insurer: MSIG Insurance Bhd Agency: Usaha BJ Sdn Bhd
Insurer: Tokio Marine Insurance Group Agency: Fikiran BJ Sdn Bhd
Insurer: RHB Insurance Berhad Agency: Bulat Hati Sdn Bhd
Insurer: Tune Insurance Berhad Agency: Hargai Auto Sdn Bhd
Insurer: Etiqa General Takaful Berhad Agency: Bulat Hati Sdn Bhd
INSURANCE QUOTES AND COVERAGES All quotes generated by on the Site from information by the insurance agencies are based upon the information you provide and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions available on the Site from information by the insurance agencies are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to the insurance agency via the Site. All applications are between the user and the insurance agency and 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 depending on the agency. If you are applying for insurance from the insurance agency on the Site, you are reminded to take reasonable care not to make a misrepresentation in answering any and all questions in your application and to answer all questions fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of your contract of insurance or refusal or reduction of your claim(s) or change of terms or termination of your contract by the insurer. The above duty of disclosure continues until the time your contract of insurance is entered into, varied of renewed with the insurer. In addition to answering the questions in your application with the insurance agency, you are required to disclose any other matter that you know to be relevant to the insurer’s decision in accepting the risks and determining the rates, and terms to be applied. You also have a duty to inform the insurance agent immediately if at any time after your contract of insurance has been entered into, varied or renewed with the insurer, any of the information given to the insurance agent via the Site is inaccurate or has changed.
CLAIMS SUBMISSIONS If you elect to report an insurance claim, the information you submit to the insurance agency via the Site regarding your insurance policy and the loss is subject to review and verification by the insurance agency. The insurance agency reserves the right to request additional information prior to submitting a claim to the insurance underwriter/company. A claim representative from the insurance underwriter/company may be communicating with you regarding your claim. If you have any questions concerning the coverage afforded by your policy, please visit the Site's support page to connect with your insurance agency.
POLICY RENEWAL AND REFUNDS When the insurance agency processes your insurance application you are asked certain questions relating to your circumstances. The agency may request additional information in order to offer you a competitive price consistent with your circumstance and requirements. However, please be aware that such offered rate is subject to change suggested or imposed by the insurance company who underwrites your insurance policy. The site has no control over such changes that may occur from time to time. Any such changes shall be notified to you.
All refund requests are handled on a case by case basis by the relevant insurance agency. The agency reserves the right to make an investigation and the duration of refund may vary for refund requests, if approved and paid. All refunds are at the discretion of the insurer and the insurance agency will inform the user if his request is approved or not via the Site.
There’s a processing fee not exceeding RM5 (unless notified otherwise) upon any order cancellation in accordance to the policy. BJAK reserves the right to impose administrative charges on any refund requests by the user to the insurance agency. If you feel you were incorrectly charged a processing fee, you may contact BJAK via the Help Centre on the Site for assistance.
You represent and warrant that you have not been blacklisted or suspended by any regulator or authority (including Bank Negara, Securities Commission, Companies Commission of Malaysia etc,) or underwriter, insurer, agent or broker. Failure to inform the same to the insurance agent may result in rejection of any refund request, amongst others, and a suspension and/or ban on using the Site.
From time to time, marketing and promotional campaigns which offer voucher codes, discounts, subscription plans or other promotional offers may be available on the Site (“Vouchers”). Vouchers are subject to validity periods, redemption periods, limits and/or availability. Vouchers may not be valid when used in conjunction with other promotions, discounts or other vouchers. Additional terms and conditions may apply to Vouchers. Unless otherwise stated, Vouchers can only be used on the Site. Vouchers are non-transferable, non-exchangeable and non-refundable and cannot be exchanged for cash. BJAK reserves the right to withdraw, amend and/or alter any part of the terms and conditions of the promotions and subscriptions at any time, and BJAK shall take reasonable efforts to notify via the Site, at any time, whether before, during or after such promotion. BJAK reserves the right to void, discontinue or disqualify any user from any such promotion if the user breaches any of these Terms or the terms of the Vouchers.
USER CONTENT GENERAL The Service may request that you submit content such as text, photos, audiovisual content, and other media content ("User Content"). By providing User Content to BJAK, you are granting BJAK a license to use the User Content in order to make it available through the Service.
LICENSE GRANT BY YOU TO BJAK By uploading the User Content, you are granting BJAK a license to display, perform and distribute your User Content and to modify (for technical purposes), and reproduce such User Content to enable BJAK to operate the Service. You agree that these rights and licenses are royalty free, worldwide, and irrevocable, and include a right for BJAK to make such User Content available to, and license others to use such User Content, for the purpose of providing such Services, and to otherwise permit access to or disclose your User Content to third parties if BJAK determines such access or disclosure is required or expedient to comply with its obligations.
By using the Services you agree NOT to: 1. create an account for anyone other than a natural person (unless you are a company, organization, legal entity or a brand and represent that company, organization, legal entity or brand). 2. defame, stalk, bully, abuse, threaten, harass, abuse, intimidate, harm another person or engage in any other predatory behavior, including sending unwelcomed communications to others or engage in any other predatory behavior, or incite others to commit violent acts. 3. use or attempt to use another's account or create a false identity; 4. duplicate, license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, or otherwise transfer information found in the Services, except as permitted in these Terms, or as expressly authorized by us; 5. reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for any underlying intellectual property used to provide the Services, or any part thereof; 6. utilize or copy information, content or any data you view on or obtain from the Services to provide any service that is competitive, in our sole discretion, with the Services; 7. adapt, modify or create derivative works based on the Services or technology underlying the Services, in whole or part; 8. rent, lease, loan, trade, sell/re-sell any information in the Services, in whole or part; 9. use the communication systems provided by the Services for any commercial solicitation purposes; 10. sell, sponsor, or otherwise monetize any service or functionality in the Services, without our express written consent; 11. remove any copyright, trademark or other proprietary rights notices contained in or on the Services (whether ours or our licensors'); 12. remove, cover or otherwise obscure any form of advertisement included on the Services; 13. collect, harvest, use, copy, or transfer any information, including, but not limited to, personally identifiable information obtained from the Services (excluding your User Content, and except if the owner of such information has expressly permitted the same); 14. share other users' or third party's information or their User Content without their express consent; 15. infringe or use our brand, logos or trademarks in any business name, email, or URL except as expressly permitted by us; 16. use or launch any manual or automated system or software, devices, scripts robots, other means or processes to access, "scrape," "crawl", "cache", "spider" or any web page or other service contained in our Services, or to access the Services in a manner that sends more request messages to our servers in a given period of time than a human can reasonably produce in the same period by using a conventional on-line web browser; 17. use bots or other automated methods to access the Services, add or download contacts, send or redirect messages, or perform other similar activities through the Services; 18. access, via automated or manual means or processes, the Services for purposes of monitoring its availability, performance or functionality for any competitive purpose; 19. engage in "framing," "mirroring," or otherwise simulating the appearance or function of the website; 20. attempt to or actually access the Services by any means other than through the interfaces provided by us. This prohibition includes accessing or attempting to access the Services using any third-party service, including software-as-a-service platforms that aggregate access to multiple services; 21. engage in any action that directly or indirectly interferes with the proper working of or places an unreasonable load on the Services' infrastructure, including, but not limited to, sending unsolicited communications to other users or our personnel, attempting to gain unauthorized access to the Services, or transmitting or activating computer viruses, Trojan horses, worms, time bombs or any other harmful or deleterious software programs through or on the Services; and/or 22. interfere or disrupt or game the Services, including, but not limited to any servers or networks connected to the Services, or the underlying software. NOTICES In connection with your use of the Services, we may send you service announcements, administrative messages, and other information. You may opt out of some of those communications.
THIRD PARTIES' LINKS, WEBSITES, AND SERVICES The Services may contain links to third party websites, advertisers, services, special offers, or other events or activities that are not owned or controlled by us. We are not affiliated with those websites, do not endorse them, have no control over those websites, and assume no responsibility and/or liability for the content, privacy policies, or practices of any third party websites. In addition, we will not and cannot censor or edit the content of any third-party site.
DISCLOSURE We reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to: 1. satisfy any applicable law, regulation, legal process, subpoena or governmental request; 2. enforce these Terms, including investigation of potential violations of it; 3. detect, prevent, or otherwise address fraud, security or technical issues; 4. cooperate with law enforcement authorities; 5. respond to user support requests; 6. protect our, our users' or the public's rights, property or safety. LIMITATION OF LIABILITY To the maximum extent permitted by law, the Service Is Available "As Is." You expressly understand and agree that: 1. Your use of the service and the purchase and use of any products or services are all at your sole risk. The service is provided and products are sold on an "as is" and "as available" basis. To the maximum extent permitted by law, BJAK expressly disclaims all warranties and conditions of any kind, whether express or implied, including, but not limited to the implied warranties and conditions of merchantability, fitness for a particular purpose and non-infringement. 2. BJAK does not warrant that: i. the service will meet all of your requirements; ii. the service will be uninterrupted, timely, secure or error-free; or iii. all errors in the software or service will be corrected. 3. Any material downloaded or otherwise obtained through the use of the service is done at your own discretion and risk and you are solely responsible for any damage to your computer or other device or loss of data resulting from the download or use of any such material. 4. No information, whether oral or written, obtained by you from BJAK shall create any warranty not expressly stated in these Terms. You expressly understand and agree that BJAK, its subsidiaries, affiliates and licensors, and our and their respective officers, employees, agents and successors shall not be liable to you for any direct, indirect, incidental, special, consequential, punitive or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data, cover or other intangible losses (even if BJAK has been advised of the possibility of such damages) resulting from: i. The use or the inability to use the Service; ii. Unauthorized access to or the loss, corruption or alteration of your transmissions, content or data; iii. Statements or conduct of any third party on or using the Service, or providing any services related to the operation of the Service; iv. BJAK's actions or omissions in reliance upon your account information and any changes thereto or notices received therefrom; v. Your failure to protect the confidentiality of any passwords or access rights to your account information; vi. The acts or omissions of any third party using or integrating with the Service; vii. The termination of your account in accordance with these Terms; viii. reliance on the information contained in the Site, ix. any technical, hardware or software failure of any kind or any interruption, error, omission, delay in operation, computer viruses, or otherwise; or x. any other matter relating to the Service; unless caused by our wilful default or fraud. In any event and without limiting the generality of this section you agree that our total liability to you for any and all damages and losses shall not in any circumstances exceed the greater of (a) RM100, or (b) the aggregate of the amount (if any) paid by you for the Services in the 6 months immediately preceding bringing of a claim against us or our affiliates. Nothing in these Terms (including the limitation of liability provisions) is intended to exclude or limit any condition, warranty, right or liability which may not be lawfully excluded or limited. ASSIGNMENT BJAK reserves the right, in its sole and absolute discretion, to transfer, assign, sublicense or pledge in any manner whatsoever, any of its rights and obligations under these Terms to a subsidiary, affiliate, successor thereof or to any third party whatsoever, without your prior notice, provided that BJAK shall provide you reasonable notice thereafter, if it is has not already done so. You shall not transfer, assign, delegate, sublicense nor pledge in any manner whatsoever, any of your rights or obligations under these Terms without BJAK’s prior written consent.
INDEMNITY You agree to defend, indemnify and hold harmless BJAK, our affiliates, and our and their respective owners, officers, directors, employees, agents, and/or licensors, from and against any and all claims, damages, obligations, losses, liabilities, costs and expenses (including but not limited to attorney's fees) arising from: 1. your use of the Services; 2. your violation of these Terms; 3. your violation of any third party right, including without limitation any copyright, property, publicity or privacy right; including all actions taken under your account.
GOVERNING LAW AND JURISDICTION These Terms, the Services and your use of the Site are governed in all respects by the laws of Malaysia. You submit to the jurisdiction of the Malaysian courts.
Discretion exercised by any third party/relevant authority(ies);
Closing/cancellation of programs by any third party/relevant authority(ies);
Delay on the part of any third party/relevant authority(ies) in processing your application; and
Failure to comply with the requirement set by any third party/relevant authority(ies) by you.
INDEMNITY You hereby irrevocably agree to indemnify and keep indemnified BJAK from all liabilities, claims, losses and expenses, including any legal fees that may be incurred by BJAK 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, or (3) any intellectual property right or proprietary right infringement claim made by a third party against BJAK in connection with your use of this website. MODIFYING AND TERMINATING OUR SERVICES We are constantly changing and improving our Services. We may add or remove functionalities or features, and we may suspend or stop a Service altogether. You can stop using our Services at any time, although we’ll be sorry to see you go. BJAK may also stop providing Services to you, or add or create new limits to our Services at any time. We believe that you own your data and preserving your access to such data is important. If we discontinue a Service, where reasonably possible, we will give you reasonable advance notice and a chance to get information out of that Service. BJAK reserves the right to terminate and/or suspend your access to the Site and/or your use of the Site at any time, for any reason. In particular, and without limitation, BJAK may terminate and/or suspend your access should you violate any of these Terms, or violate the rights of BJAK, of any other user, or of any third party. BUSINESS USES OF THE SERVICES If you are using our Services on behalf of a business or a company, that business or a company accepts these Terms. It will hold harmless and indemnify BJAK and its service suppliers, officers, agents, and employees from any claim, suit or action arising from or related to the use of the Services or violation of these terms, including any liability or expense arising from claims, losses, damages, suits, judgments, litigation costs and attorneys’ fees. ABOUT THESE TERMS We may modify these terms or any additional terms or policy that apply to a Service to, for example, reflect changes to the law or changes to our Services. You should look at these Terms when you access the Service. BJAK reserves the right to amend any of the Terms and its policies at any time without any prior notice.
Bjak Sdn Bhd (1339813-K)
Bjak Sdn Bhd ("BJAK") is the pioneer of Insurance Comparison and Marketplace in Southeast Asia and a Flagship MSC Status Company. Bjak builds, operates and owns the platform to deliver services from various insurance agencies to Malaysian citizens and businesses.