Terms of Service

Last updated: March 20, 2026

These Terms of Service govern your use of Proteksi Wise and its services. By accessing and using our website, you agree to be bound by these terms. We provide comprehensive information about insurance planning, takaful awareness, life insurance, medical cards, critical illness coverage, and personal accident protection in Malaysia. Your use of our platform indicates your acceptance of all terms and conditions outlined below.

Acceptance of Terms

By accessing our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service in their entirety. We reserve the right to modify these terms at any time without prior notice. Continued use of our services following any modifications constitutes your acceptance of the updated terms. If you do not agree with any part of these terms, you must immediately cease using our website and services. We encourage you to review these terms regularly to stay informed of any changes. Your continued access to our platform implies your ongoing agreement with the most current version of these terms.

User Obligations

As a user of our services, you agree to use our website only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment. You must not transmit any harmful, offensive, or inappropriate content through our platform. You are responsible for maintaining the confidentiality of any account information you create and for all activities that occur under your account. We expect all users to comply with applicable laws and regulations in Malaysia regarding insurance, takaful, and financial services. You acknowledge that the information provided on our platform is educational and should not be considered as personal financial advice tailored to your specific circumstances.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, and software, is the exclusive property of our organization or our content licensors. We retain all intellectual property rights to all materials published on the platform. You are granted a limited, non-exclusive, and non-transferable license to view and use our content for personal, educational purposes only. You may not reproduce, distribute, transmit, modify, or create derivative works from our content without explicit written permission. Unauthorized use of any materials may violate copyright, trademark, and other applicable laws. We actively protect our intellectual property and will pursue legal action against infringement.

Limitation of Liability

We provide our services and information on an “as-is” basis without warranties of any kind, either express or implied. We do not guarantee the accuracy, completeness, or reliability of all information presented on our platform. To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability shall not exceed the amount paid by you for our services. We are not responsible for any losses or damages resulting from your reliance on information provided through our platform. You assume full responsibility for decisions made based on our educational content regarding insurance planning, takaful, medical cards, and critical illness coverage.

Termination of Access

We reserve the right to terminate or suspend your access to our services at any time, with or without cause and without prior notice. Termination may occur if you violate these Terms of Service, engage in unlawful activity, or conduct yourself inappropriately on our platform. Upon termination, your right to use our services ceases immediately. All provisions of these Terms of Service that by their nature should survive termination will continue to apply. We may also discontinue or modify our services at any time at our sole discretion. In the event of termination, we will not be liable for any claims, damages, or losses arising from the discontinuation of service.