Terms & Conditions

Access to this website (the “Website”) is granted by Phoenix Risk Services (S) Pte Ltd (hereinafter known as “Phoenix Risk Services”) subject to the following conditions.

By accessing the Website and continuing to do the same, you agree to be unconditionally bound by these conditions of access below (“Conditions”) which may be updated by us in our sole discretion from time to time without notice to you.  If you do not agree to any of the Conditions, please discontinue your access immediately.  You agree that your continued access of the Website after such update will constitute your acceptance of and agreement to be bound by the updated Conditions.

The term ‘Phoenix Risk Services’ or ‘us’ or ‘we’ refers to Phoenix Risk Services (S) Pte Ltd and/or Phoenix Risk Services (M) Sdn Bhd. The term ‘you’ refers to the user or viewer of our website.

Content for General Circulation Only
The information, opinions and statements contained on the Website are intended for general circulation only and should not be used as a basis for making any commercial or insurance related decisions.

We do not undertake any obligation to update the content or to correct any inaccuracy that may become apparent at a later time. All information, opinions and statements expressed are subject to change without notice.

The content may be taken or compiled from sources that we believe to be reliable.  While all reasonable care has been taken in preparing the content, we do not represent or warrant that the content is accurate, useful, adequate, timely or complete and it should not be relied upon as such.

Copyright and Trademark Notices
The copyright in the contents of the Website (including, but not limited to the text, graphics, links and sounds) is owned by Phoenix Risk Services and/or its professional advisors. No part or parts hereof may be reproduced, distributed, republished, displayed, broadcast, hyperlinked or transmitted in any manner or by any means or stored in an information retrieval system without the prior written permission of Phoenix Risk Services. You also may not, without the permission of Phoenix Risk Services, insert a hyperlink to the Website on any other website or “mirror” any material contained on the Website on any other server.

All trademarks and service marks displayed in the Website are the property of Phoenix Risk Services and, where applicable, third party proprietors identified in the Website. No right or licence is given to any party accessing the Website to download, reproduce or use any of such trademarks or services marks.

You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual terms and conditions of particular products and services offered on or through the Website.

The information and materials contained in or accessed through the Website are provided on an “as is” and “as available” basis and are of a general nature.

Phoenix Risk Services does not warrant the truth, accuracy, adequacy, completeness or reasonableness of the information and materials contained in or accessed through the Website and expressly disclaims liability for any errors in, or omissions from, such information and materials. No warranty of any kind, implied, express or statutory (including but not limited to, warranties of title, merchantability, satisfactory quality, non-infringement of third-party intellectual property rights, fitness for a particular purpose and freedom from computer virus and other malicious code), is given in conjunction with such information and materials, or the Website in general.

Under no circumstances shall the Phoenix Risk Services be liable regardless of the form of action for any failure of performance, system, server or connection failure, error, omission, interruption, breach of security, computer virus, malicious code, corruption, delay in operation or transmission, transmission error or unavailability of access in connection with your accessing the Website.

In no event shall Phoenix Risk Services be liable to you or any other party for any damages, losses, expenses or costs whatsoever (including without limitation, any direct, indirect, special, incidental or consequential damages, loss of profits or loss opportunity) arising in connection with your use of the Website, or reliance on any information, materials or online services provided at the Website, regardless of the form of action and even if Phoenix Risk Services had been advised as to the possibility of such damages.

For your convenience, Phoenix Risk Services may include hyperlinks to websites on the Internet that are owned or operated by third parties. Such linked websites are not under the control of Phoenix Risk Services and we cannot accept responsibility for the contents of or the consequences of accessing any linked website or any link contained in a linked website. Furthermore, the hyperlinks provided in this website shall not be considered or construed as an endorsement or verification of such linked websites or the contents therein by Phoenix Risk Services. You agree that your access to and/or use of such linked websites is entirely at your own risk and subject to the terms and conditions of access and/or use contained therein.

You hereby agree to indemnify and hold Phoenix Risk Services harmless against all damages, losses, expenses and costs (including legal costs) suffered or incurred by Phoenix Risk Services in connection with or arising from (a) your access of the Website, or (b) any other party’s access of the Website and/or use of the online services using your user id and/or login password, or (c) your breach of any of these Terms and Conditions of Access, or (d) any other party’s breach of any of these Terms and Conditions of Access where such party was able to access this website by using your user id and/or login password.

Applicable Law and Jurisdiction
These Conditions shall be governed and construed in all respects in accordance with the laws of Singapore. You hereby agree that where any actions or proceedings are initiated and taken in Singapore, you shall submit to the jurisdiction of the courts of Singapore in all matters connected with your obligations and liabilities under or arising out of these Conditions.

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