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.
Other than as expressly set out in these terms or additional terms, neither HOI nor service suppliers make any specific promises about the Services. For example, we don’t make any commitments about the content within the Services, the specific functions of the Services, or their reliability, availability, or ability to meet your needs. We provide the Services “as is”.
HOI will take reasonable measures to ensure the accuracy and validity of all information relating to transactions and services which originate exclusively from www.hoi.my.
HOI 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.
The information provided by HOI's App is not and should not be construed as insurance advice. HOI is not liable for any inaccurate, missing or misconstrued information and makes no guarantee as to the quality and precision of the content. Any insurance purchasing conclusions and decisions such as coverage amounts, limits and deductibles are completely and solely the responsibility of the insured. HOI may at its sole discretion change the App’s content and information from time to time. At the time of a claim, coverage will be determined in accordance with the terms and conditions of the insurance policy and not the App. Accordingly, you are encouraged to view/download a specimen of your actual policy documentation prior to making any purchase decision
Subject to these Terms and our policies (including policies made available to you within the Services), we grant you a limited, non-transferable, non-exclusive, and revocable permission to access and use our Services, provided that:
Using our Services does not give you ownership of any intellectual property rights in our Services or the Content you access (other than your User Content), which shall remain with us and our respective licensors.
Certain software code incorporated into or distributed with the App or otherwise with the Services may be licensed by third parties under various "open-source" or "public-source" software licenses (collectively, the "Open Source Software"). Notwithstanding anything to the contrary in these Terms, the Open Source Software is not licensed under these Terms and instead is separately licensed pursuant to the terms and conditions of their respective open-source software licenses. You agree to comply with the terms and conditions of such open-source software license agreements.
All right, title, and interest in and to Services including worldwide Intellectual Property Rights therein, are and will remain the exclusive property of HOI and its applicable licensors. We reserve all rights not expressly granted in and to the Services.
In order to access the Service, you will have to create an account. You hereby represent and warrant that the information you provide to HOI upon registration (including information provided through your linked Facebook account, as applicable, or other third party Linked Accounts, as defined below), and at all other times, will be true, accurate, current, and complete. Your "Account Information" also includes any information you provide to us during the insurance application or claims process. You also hereby represent and warrant that you will ensure that this information is kept accurate and up-to-date at all times.
Some portions of the Site and Products 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 HOI 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 contact our Support team. For your protection, if HOI believes that any unauthorized access may occur or has occurred, HOI may terminate such access without prior notice to you. You also agree that HOI is permitted to act upon any instructions received using your User ID and password and to consider such instructions as authorized by you.
HOI 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 HOI to store and use your access credentials to access your Linked Account on your behalf as your agent 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.
All quotes generated by HOI Products are based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on our website are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to HOI whether on HOI's web site, mobile app or otherwise. All applications 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.
Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for insurance offered on HOI website, care not to make a misrepresentation in answering the questions in our purchase flow. You must answer all questions fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance. The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied of renewed with us. In addition to answering the questions in HOI's purchase flow, you are required to disclose any other matter that you know to be relevant to our decision in accepting the risks and determining the rates, and terms to be applied. You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us any of the information given is inaccurate or has changed.
If you elect to report an insurance claim, the information you submit regarding your insurance policy and the loss is subject to review and verification. HOI reserves the right to request additional information prior to submitting claim to the insurance underwriter/company. A claim representative from insurance underwriter/company may be communicating with you regarding your claim. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please visit the HOI Support page.
When we process your insurance application you are asked certain question relating to your circumstances. We may request additional information in order to offer you a competitive price consistent with you circumstance and requirements. However, please be aware that our offered rate is subject to change suggested or imposed by the insurance company who underwrites your insurance policy. We therefore have no control over such changes that may occur from time to time. The rate that we offer you is deemed current at the time of your application. Any changes shall be passed on to you without limitations.
All other refund requests are handled case by case basis. Investigation will be made and duration of refund may vary for all approved refund requests.
By accepting this quotation, you have understood and accepted the terms and conditions.
Note: In accordance with Insurance Act 1996 (Part XII, Section 141 Assumption of Risks, Subsection 4) all refund premium shall pay directly to the policyholder.
There’s a processing fee of RM35 upon any order cancellation. HOI reserves the right to impose service charges on any refund requests. If you feel you were incorrectly charged a processing fee, you may contact HOI via the Help Centre on HOI's website for assistance. HOI reserves its absolute discretion to any refunds to you and such refunds may be credited to the payment card you used for the purchase, or the HOI Credits or such other method as is deemed reasonable by HOI, for cash payments.
Generally, all cancellations made will be charged a processing fee of RM35.00
HOI reserves the right to amend the acceptable cancellation reasons and fee from time to time.
All payments are non-refundable unless otherwise stated.
HOI reserves its absolute discretion to any refunds to you and such refunds may be credited to the payment card you used for the journey, or HOI Credits or such other method as is deemed reasonable by HOI, for cash payments.
All Users of our portal are required to acknowledge that all particulars provided is accurate and abiding by law.
For policy renewals, You acknowledge and consent to HOI that You have not been Blacklisted or Suspended by our any third party which includes but not limited to; the government, law enforcers and insurance companies. HOI reserves the right to not entertain any refunds for any of such abuse. This may also result in a suspension or even a permanent ban.
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 HOI, you are granting HOI a license to use the User Content in order to make it available through the Service.
By uploading Content, you are granting HOI a license to display, perform and distribute your Content and to modify (for technical purposes), and reproduce such Content to enable HOI to operate the Service. You agree that these rights and licenses are royalty free, worldwide, and irrevocable, and include a right for HOI to make such Content available to, and pass these rights along to, others with whom HOI has contractual relationships related to the provision of the HOI service, solely for the purpose of providing such services, and to otherwise permit access to or disclose your Content to third parties if HOI determines such access is necessary to comply with its legal obligations.
When you submit any ideas, suggestions, documents and/or proposals relating to the Service (or other products or services) to HOI through the "Contact Us," User Forum or Support interfaces or through any other channel or mechanism (collectively, "Contributions"), you acknowledge and agree that:
Your contributions do not contain confidential or proprietary information; HOI is not under any obligation of confidentiality, express or implied, with respect to the Contributions; HOI shall be entitled to use or disclose (or choose not to use or disclose) such Contributions for any purpose, in any way; HOI may have something similar to the Contributions already under consideration or in development; your Contributions automatically become the property of HOI without any obligation of HOI to you; you are not entitled to any accounting, compensation or reimbursement of any kind from HOI under any circumstances.
You agree not to use the Service or any aspect or feature thereof for any unlawful purpose or in any way that might harm, damage, or disparage any other party. Without limiting the proceeding sentence, you agree that you will not, do or attempt to:
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.
We reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to:
To the maximum extent permitted by law, the Service Is Available "As Is." YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
IN ANY EVENT AND WITHOUT LIMITING THE GENERALITY OF THIS SECTION TO THE EXTENT PERMITTED BY LAW YOU AGREE THAT OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES AND LOSSES SHALL NOT IN ANY CIRCUMSTANCES EXCEED THE GREATER OF (A) MYR100, OR (B) THE AGGREGATE OF THE AMOUNT (IF ANY) PAID BY YOU IN THE 6 MONTHS IMMEDIATELY PRECEDING BRINGING OF A CLAIM AGAINST US OR OUR AFFILIATES. NOTHING IN THESE TERMS OF SERVICE (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. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE CAUSED BY WILLFUL ACTS, NEGLIGENCE, BREACH OF CONTRACT OR BREACH OF IMPLIED TERMS, OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, ONLY THOSE LIABILITY AND OTHER LIMITATIONS WHICH ARE LAWFUL IN YOUR JURISDICTION (IF ANY) WILL APPLY TO YOU AND OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
You agree to defend, indemnify and hold harmless us, 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:
This defense, hold harmless and indemnification obligation will survive any termination of these Terms and your use of the Services.
By using the App, you agree to have all records, including the insurance policy, provided to you in electronic form. This consent, unless withdrawn, applies to all transactions between you and HOI. However, you have the right to receive communications from us, including the insurance policy, in paper form if you wish by withdrawing this consent. If you withdraw the consent to provide you with records in electronic form, you will then be provided with records in paper form. To withdraw your consent, you must email us at help@HOI.my with the following subject line "WITHDRAW ELECTRONIC CONSENT." The body of the email must include your name, policy number, effective and expiration dates of the policy, the effective date of your withdrawal and whether you want (a) all communications to be in paper form and (b) your insurance policy to be sent to you in paper form. HOI reserves the right to charge a fee of RM500.00 for paper transmission of the insurance policy, any installment paper invoice and any policy endorsement or communication if requested by you.
Unless otherwise indicated, the copyright in this website and its contents, including but not limited to the text, images, graphics, sound files, animation files, video files, and their arrangement, are the property of HOI, and are protected by applicable Malaysian and international copyright laws. No part or parts of this website may be modified, copied, distributed, retransmitted, broadcast, displayed, performed, reproduced, published, licensed, transferred, sold or commercially dealt with in any manner without the express prior written consent of HOI. You also may not, without HOI’s expressed prior written consent, insert a link to this website on any other website, frame or "mirror" any material contained on this website on any other server. Any such unauthorised reproduction, retransmission or other copying or modification of any of the contents of HOI’s website may be in breach of statutory or common law rights which could be the subject of legal action. HOI disclaims all liability which may arise from any unauthorised reproduction or use of the contents of our website.
All trademarks, service marks, and logos displayed in this website are the property of HOI. Unless the prior written consent of HOI has been obtained, no license or right is granted to any party accessing this website to use, download, reproduce, copy or modify such trademarks, services marks or logos. Similarly, unless the prior written consent of HOI or the relevant proprietor has been obtained, no such trademark, service mark or logo may be used as a link or to mark any link to HOI’s website or any other site.
HOI shall in no event be liable for any loss or damage howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation, direct or indirect, special, incidental, consequential or punitive damages, or loss of profits or savings arising in connection with your access or use or the inability to access or use this website (or any third party link to or from HOI’s website), reliance on the information contained in the website, any technical, hardware or software failure of any kind, the interruption, error, omission, delay in operation, computer viruses, or otherwise.
HOI shall not be responsible and liable for any claim, loss of profits, revenues, or data, financial losses or indirect, special, consequential, exemplary, or punitive damages caused by any third party/relevant authority(ies) including but not limited to the following instances:-
You hereby irrevocably agree to indemnify and keep indemnified HOI from all liabilities, claims, losses and expenses, including any legal fees that may be incurred by HOI 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 and conditions howsoever occasioned, or (3) any intellectual property right or proprietary right infringement claim made by a third party against HOI in connection with your use of this website.
When permitted by law, HOI, and HOI’s service suppliers, will not be responsible for loss of profits, revenues, or data, financial losses or indirect, special, consequential, exemplary, or punitive damages. To the extent permitted by law, the total liability of HOI, and its service suppliers, for any claims under these terms, including for any implied warranties, is limited to the amount you paid us to use the Services (or, if we choose, to supplying you the Services again). In all cases, HOI, and its service suppliers, will not be liable for any loss or damage over and above the services provided.
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. HOI 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. HOI reserves the right to terminate and/or suspend your access to this website and/or your use of this website at any time, for any reason. In particular, and without limitation, HOI may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of HOI, of any other user, or of any third party.
The failure of HOI to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision. If any part of these terms and conditions is determined to be invalid or unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the other provisions of the terms and conditions shall continue in full force and effect. Any rights not expressly granted herein are reserved.
These terms and conditions are governed by and are to be construed in accordance with the laws of Malaysia. By accessing this website and/or using the services provided herein by HOI, 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 HOI 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.
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 HOI 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.
We may modify these terms or any additional terms that apply to a Service to, for example, reflect changes to the law or changes to our Services. You should look at the terms regularly. HOI reserves the right to amend any of the Terms and Conditions at any time without any prior notice. If there is a conflict between these terms and the additional terms, the additional terms will control for that conflict. These terms control the relationship between HOI and you. They do not create any third party beneficiary rights.