Terms and Conditions
These Website Standard Terms and Conditions written on this webpage shall manage your use of our website, SAAT accessible at saat.my.
These Terms will be applied fully and affect to your use of this Website. By using this Website, you agreed to accept all terms and conditions written in here. You must not use this Website if you disagree with any of these Website Standard Terms and Conditions. These Terms and Conditions have been generated with the help of the Terms And Conditions Template and the Terms and Conditions Generator.
Intellectual Property Rights
Other than the content you own, under these Terms, Saat Sdn Bhd and/or its licensors own all the intellectual property rights and materials contained in this Website.
You are granted limited license only for purposes of viewing the material contained on this Website.
Restrictions
You are specifically restricted from all of the following
- publishing any Website material in any other media;
- selling, sublicensing and/or otherwise commercializing any Website material;
- publicly performing and/or showing any Website material;
- using this Website in any way that is or may be damaging to this Website;
- using this Website in any way that impacts user access to this Website;
- using this Website contrary to applicable laws and regulations, or in any way may cause harm to the Website, or to any person or business entity;
- engaging in any data mining, data harvesting, data extracting or any other similar activity in relation to this Website;
- using this Website to engage in any advertising or marketing.
Certain areas of this Website are restricted from being access by you and Saat Sdn Bhd may further restrict access by you to any areas of this Website, at any time, in absolute discretion. All user data and information for this Website are confidential and you must maintain
confidentiality as well.
Content
In these Website Standard Terms and Conditions, “Content” shall mean any audio, video text, images or other material you choose to display on this Website. By displaying Your Content, you grant Saat Sdn Bhd a non-exclusive, worldwide irrevocable, sub licensable license to use, reproduce, adapt, publish, translate and distribute it in any and all media. Getting your information purely to generate quotation & policy issuance.
Your Content must be your own and must not be invading any third-party’s rights. Saat Sdn Bhd reserves the right to remove any of Your Content from this Website at any time without notice.
Your Privacy
Please read Privacy Policy.
No warranties
This Website is provided “as is,” with all faults, and Saat Sdn Bhd express no representations or warranties, of any kind related to this Website or the materials contained on this Website. Also, nothing contained on this Website shall be interpreted as advising you.
Limitation of liability
In no event shall Saat Sdn Bhd, nor any of its officers, directors and employees, shall be held liable for anything arising out of or in any way connected with your use of this Website whether such liability is under contract. Saat Sdn Bhd, including its officers, directors and employees shall not be held liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website.
Indemnification
You hereby indemnify to the fullest extent Saat Sdn Bhd from and against any and/or all liabilities, costs, demands, causes of action, damages and expenses arising in any way related to your breach of any of the provisions of these Terms.
Severability
If any provision of these Terms is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein.
Variation of Terms
Saat Sdn Bhd is permitted to revise these Terms at any time as it sees fit, and by using this Website you are expected to review these Terms on a regular basis.
Assignment
The Saat Sdn Bhd is allowed to assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification. However, you are not allowed to assign, transfer, or subcontract any of your rights and/or obligations under these Terms.
Entire Agreement
These Terms constitute the entire agreement between Saat Sdn Bhd and you in relation to your use of this Website, and supersede all prior agreements and understandings.
Governing Law & Jurisdiction
These Terms will be governed by and interpreted in accordance with the laws of Malaysia. By accessing this website and/or using the services provided herein by SAAT, 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 SAAT 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.
Underwriting
Your general insurance and takaful products are underwritten by your chosen insurance company or takaful operator. We are a registered Takaful agent and an Insurance agent of the following Insurance companies and Takaful Operators (ITOs)
- Insurer: MSIG
Agency: Saat 1 Management - Insurer: TOKIO MARINE
Agency: Saat 1 Management - Insurer: TAKAFUL MALAYSIA
Agency: Saat 1 Management - Insurer: TAKAFUL IKHLAS
Agency: Saat 1 Management - Insurer: ZURICH
Agency: Saat 2 Management - Insurer: GENERALI
Agency: Saat 2 Management - Insurer: ETIQA TAKAFUL
Agency: Saat 2 Management - Insurer: LIBERTY
Agency: Saat 3 Management - Insurer: ALLIANZ
Agency: Saat 3 Management - Insurer: BERJAYA SOMPO
Agency: Saat 4 Management