TERMS & CONDITIONS
These Terms of Service ("Terms") govern your access to and use of the application, website, products, and services ("Services") provided by EXSY (“EXSY”, “Renew”,”we","us" or "our"), so please read these Terms carefully, before using our Services.
References to "you" in these Terms of Service means you, your duly authorized representatives and any entity you may represent in connection with your use of the Services. Any reference made in these Terms of Service to " EXSY " shall be deemed to have been made to EXSY SA0412081-A, its subsidiaries, successors, assignees, and affiliates, as well as any company that controls EXSY, directly or indirectly, and any other subsidiary of that controlling company.
Not all of the products or services described on this website are available in all areas of the Malaysia and you may not be eligible for them. We reserve the right to determine eligibility. By accessing or using our Services, you agree to be bound by these Terms and by our Privacy Policy. This Privacy Policy includes important information about use of information in determining your premium. If you do not agree to these Terms or the Privacy Policy, please do not access or otherwise use our Services or any information contained herein.
We reserve the right, at our discretion, to modify these Terms from time to time, which modification will be effective upon the posting of the modification to our App/website (collectively, "the App"), and will apply to causes of action arising after the effective date of the change. You should continue to check the App for changes. Your continued use of our App or otherwise the Services following the posting of changes to these Terms will mean that you accept those changes. By accessing or using our Services, you confirm that you can form a binding contract with us; and - you are over the age of 18, as the Services are not intended for children under 18. If it comes to our attention through reliable means that a registered user is a child under 18 years of age, we will cancel that user's account and/or access to the Services. If you are using the Services on behalf of a corporation (or any legal entity other than using it personally), you represent that you are authorized to enter into an agreement on behalf of that legal entity, and are nevertheless individually bound by these Terms even if we have a separate agreement with such corporation.
In order to use the App, you must have access to a wireless network, and you agree to pay all fees associated with such access. You also agree to pay all fees (if any) charged by Google Play or App Store in connection with the Services, including the App. You agree to comply with, and your license to use the App is conditioned upon your compliance with, all applicable third-party terms of use and agreements (e.g., Google Play's or App Store's terms and policies) when using the Services, including the App. You acknowledge that Google Play and/or App Store (and its subsidiaries) are third-party beneficiaries of the Terms and will have the right to enforce them.
The headings and captions used in these Terms of Use are inserted for convenience only and will not affect the meaning or interpretation of these Terms of Use. Do Not Rely on our Website or App for Your Financial Decisions. The Content on the EXSY website, app and other content is for convenience and information purposes only. Nothing on therein should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other information is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.
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.
Other than as expressly set out in these terms or additional terms, neither EXSY 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”.
EXSY will take reasonable measures to ensure the accuracy and validity of all information relating to transactions and services which originate exclusively from atventure.com.my / www.atventure.com.my
EXSY 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 provided by EXSY 's App is not and should not be construed as insurance advice. EXSY 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. EXSY 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
APPLICATION LICENSE
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:
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 Content which contains software viruses, or other harmful computer code, files or programs;
4 You will not disrupt servers or networks connected to the Services; and (v) You comply with these Terms.
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.
OPEN SOURCE SOFTWARE
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.
EXSY RIGHTS
All right, title, and interest in and to Services including worldwide Intellectual Property Rights therein, are and will remain the exclusive property of EXSY and its applicable licensors. We reserve all rights not expressly granted in and to the Services.
ACCOUNT INFORMATION
In order to access the Service, you will have to create an account. You hereby represent and warrant that the information you provide to EXSY 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.
PRIVACY AND PASSWORDS
EXSY values and protects the privacy of your information. Please review the EXSY Privacy Policy, as it contains important information relating to your use of our Site and Products.
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 EXSY 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 EXSY believes that any unauthorized access may occur or has occurred, EXSY may terminate such access without prior notice to you. You also agree that EXSY 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
EXSY 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 EXSY 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.
INSURANCE QUOTES AND COVERAGES
All quotes generated by EXSY 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 EXSY whether on EXSY '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 EXSY, 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 EXSY '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.
CLAIMS SUBMISSIONS
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. EXSY 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 EXSY Support page.
POLICY RENEWAL AND REFUNDS
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 payments for premiums and printed road tax is not refundable.
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.
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 EXSY, you are granting EXSY a license to use the User Content in order to make it available through the Service.
LICENSE GRANT BY YOU TO EXSY
By uploading Content, you are granting EXSY a license to display, perform and distribute your Content and to modify (for technical purposes), and reproduce such Content to enable EXSY to operate the Service. You agree that these rights and licenses are royalty free, worldwide, and irrevocable, and include a right for EXSY to make such Content available to, and pass these rights along to, others with whom EXSY has contractual relationships related to the provision of the EXSY service, solely for the purpose of providing such services, and to otherwise permit access to or disclose your Content to third parties if EXSY determines such access is necessary to comply with its legal obligations.
SUBMITTED IDEAS POLICY
When you submit any ideas, suggestions, documents and/or proposals relating to the Service (or other products or services) to EXSY through the "Contact Us," User Forum or Support interfaces or through any other channel or mechanism (collectively, "Contributions"), you acknowledge and agree that:
1 your Contributions do not contain confidential or proprietary information;
2 EXSY is not under any obligation of confidentiality, express or implied, with respect to the Contributions;
3 EXSY shall be entitled to use or disclose (or choose not to use or disclose) such Contributions for any purpose, in any way;
4 EXSY may have something similar to the Contributions already under consideration or in development;
5 your Contributions automatically become the property of EXSY without any obligation of EXSY to you;
6 you are not entitled to any accounting, compensation or reimbursement of any kind from EXSY under any circumstances.
UNAUTHORIZED USE
Do not misuse our Services. 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:
1 review and comply with these Terms and the Privacy Policy;
2 comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, export control laws, tax laws, and regulatory requirements;
3 provide accurate information to us and update it as necessary; and
4 act honestly and in good faith.
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.
If you access any third party's website, service, or content from our Services, you do so at your own risk. By using the Services, you expressly release us (and our owners, employees, agents, affiliates, and/or licensors) from any and all liability arising from your use of any third-party website, information, materials, products, or services. Accordingly, we encourage you to be aware when you have left the Services and to read the terms and conditions and privacy policy of each other website that you visit.
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, EXSY 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 EXSY 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 ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM EXSY OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS OF SERVICE. YOU EXPRESSLY UNDERSTAND AND AGREE THAT EXSY, 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 OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, COVER OR OTHER INTANGIBLE LOSSES (EVEN IF EXSY 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 EXSY'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 THE TERMS OF THESE TERMS OF SERVICE; OR
viii ANY OTHER MATTER RELATING TO THE SERVICE.
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) $100, 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.
ASSIGNMENT
EXSY 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 of Use to a subsidiary, affiliate, successor thereof or to any third party whatsoever, without notifying you or receiving your consent. You shall not transfer, assign, delegate, sublicense nor pledge in any manner whatsoever, any of your rights or obligations under these Terms of Use.
INDEMNITY
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:
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.
This defense, hold harmless and indemnification obligation will survive any termination of these Terms and your use of the Services.
GOVERNING LAW AND JURISDICTION
These Terms of Use and your use of the Site are governed in all respects by the laws of the Malaysia, without giving effect to any principles of conflicts of laws. Any dispute concerning the App or these Terms of Use shall be subject to the exclusive venue of a court of competent jurisdiction in Wilayah Persekutuan, Malaysia.
GENERAL
We reserve the right to discontinue or modify any aspect of the Services at any time. These Terms, together with the Privacy Policy, and any other legal notices published by us on the Services, shall constitute the entire agreement between us concerning the Services. If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and a party's failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.
ELECTRONIC COMMUNICATION
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 EXSY. 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 info@atvneutre.com.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. EXSY reserves the right to charge a fee of RM600.00 for paper transmission of the insurance policy, any instalments paper invoice and any policy endorsement or communication if requested by you.
References to "you" in these Terms of Service means you, your duly authorized representatives and any entity you may represent in connection with your use of the Services. Any reference made in these Terms of Service to " EXSY " shall be deemed to have been made to EXSY SA0412081-A, its subsidiaries, successors, assignees, and affiliates, as well as any company that controls EXSY, directly or indirectly, and any other subsidiary of that controlling company.
Not all of the products or services described on this website are available in all areas of the Malaysia and you may not be eligible for them. We reserve the right to determine eligibility. By accessing or using our Services, you agree to be bound by these Terms and by our Privacy Policy. This Privacy Policy includes important information about use of information in determining your premium. If you do not agree to these Terms or the Privacy Policy, please do not access or otherwise use our Services or any information contained herein.
We reserve the right, at our discretion, to modify these Terms from time to time, which modification will be effective upon the posting of the modification to our App/website (collectively, "the App"), and will apply to causes of action arising after the effective date of the change. You should continue to check the App for changes. Your continued use of our App or otherwise the Services following the posting of changes to these Terms will mean that you accept those changes. By accessing or using our Services, you confirm that you can form a binding contract with us; and - you are over the age of 18, as the Services are not intended for children under 18. If it comes to our attention through reliable means that a registered user is a child under 18 years of age, we will cancel that user's account and/or access to the Services. If you are using the Services on behalf of a corporation (or any legal entity other than using it personally), you represent that you are authorized to enter into an agreement on behalf of that legal entity, and are nevertheless individually bound by these Terms even if we have a separate agreement with such corporation.
In order to use the App, you must have access to a wireless network, and you agree to pay all fees associated with such access. You also agree to pay all fees (if any) charged by Google Play or App Store in connection with the Services, including the App. You agree to comply with, and your license to use the App is conditioned upon your compliance with, all applicable third-party terms of use and agreements (e.g., Google Play's or App Store's terms and policies) when using the Services, including the App. You acknowledge that Google Play and/or App Store (and its subsidiaries) are third-party beneficiaries of the Terms and will have the right to enforce them.
The headings and captions used in these Terms of Use are inserted for convenience only and will not affect the meaning or interpretation of these Terms of Use. Do Not Rely on our Website or App for Your Financial Decisions. The Content on the EXSY website, app and other content is for convenience and information purposes only. Nothing on therein should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other information is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.
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.
Other than as expressly set out in these terms or additional terms, neither EXSY 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”.
EXSY will take reasonable measures to ensure the accuracy and validity of all information relating to transactions and services which originate exclusively from atventure.com.my / www.atventure.com.my
EXSY 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 provided by EXSY 's App is not and should not be construed as insurance advice. EXSY 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. EXSY 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
APPLICATION LICENSE
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:
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 Content which contains software viruses, or other harmful computer code, files or programs;
4 You will not disrupt servers or networks connected to the Services; and (v) You comply with these Terms.
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.
OPEN SOURCE SOFTWARE
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.
EXSY RIGHTS
All right, title, and interest in and to Services including worldwide Intellectual Property Rights therein, are and will remain the exclusive property of EXSY and its applicable licensors. We reserve all rights not expressly granted in and to the Services.
ACCOUNT INFORMATION
In order to access the Service, you will have to create an account. You hereby represent and warrant that the information you provide to EXSY 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.
PRIVACY AND PASSWORDS
EXSY values and protects the privacy of your information. Please review the EXSY Privacy Policy, as it contains important information relating to your use of our Site and Products.
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 EXSY 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 EXSY believes that any unauthorized access may occur or has occurred, EXSY may terminate such access without prior notice to you. You also agree that EXSY 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
EXSY 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 EXSY 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.
INSURANCE QUOTES AND COVERAGES
All quotes generated by EXSY 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 EXSY whether on EXSY '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 EXSY, 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 EXSY '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.
CLAIMS SUBMISSIONS
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. EXSY 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 EXSY Support page.
POLICY RENEWAL AND REFUNDS
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 payments for premiums and printed road tax is not refundable.
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.
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 EXSY, you are granting EXSY a license to use the User Content in order to make it available through the Service.
LICENSE GRANT BY YOU TO EXSY
By uploading Content, you are granting EXSY a license to display, perform and distribute your Content and to modify (for technical purposes), and reproduce such Content to enable EXSY to operate the Service. You agree that these rights and licenses are royalty free, worldwide, and irrevocable, and include a right for EXSY to make such Content available to, and pass these rights along to, others with whom EXSY has contractual relationships related to the provision of the EXSY service, solely for the purpose of providing such services, and to otherwise permit access to or disclose your Content to third parties if EXSY determines such access is necessary to comply with its legal obligations.
SUBMITTED IDEAS POLICY
When you submit any ideas, suggestions, documents and/or proposals relating to the Service (or other products or services) to EXSY through the "Contact Us," User Forum or Support interfaces or through any other channel or mechanism (collectively, "Contributions"), you acknowledge and agree that:
1 your Contributions do not contain confidential or proprietary information;
2 EXSY is not under any obligation of confidentiality, express or implied, with respect to the Contributions;
3 EXSY shall be entitled to use or disclose (or choose not to use or disclose) such Contributions for any purpose, in any way;
4 EXSY may have something similar to the Contributions already under consideration or in development;
5 your Contributions automatically become the property of EXSY without any obligation of EXSY to you;
6 you are not entitled to any accounting, compensation or reimbursement of any kind from EXSY under any circumstances.
UNAUTHORIZED USE
Do not misuse our Services. 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:
1 review and comply with these Terms and the Privacy Policy;
2 comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, export control laws, tax laws, and regulatory requirements;
3 provide accurate information to us and update it as necessary; and
4 act honestly and in good faith.
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.
If you access any third party's website, service, or content from our Services, you do so at your own risk. By using the Services, you expressly release us (and our owners, employees, agents, affiliates, and/or licensors) from any and all liability arising from your use of any third-party website, information, materials, products, or services. Accordingly, we encourage you to be aware when you have left the Services and to read the terms and conditions and privacy policy of each other website that you visit.
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, EXSY 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 EXSY 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 ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM EXSY OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS OF SERVICE. YOU EXPRESSLY UNDERSTAND AND AGREE THAT EXSY, 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 OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, COVER OR OTHER INTANGIBLE LOSSES (EVEN IF EXSY 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 EXSY'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 THE TERMS OF THESE TERMS OF SERVICE; OR
viii ANY OTHER MATTER RELATING TO THE SERVICE.
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) $100, 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.
ASSIGNMENT
EXSY 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 of Use to a subsidiary, affiliate, successor thereof or to any third party whatsoever, without notifying you or receiving your consent. You shall not transfer, assign, delegate, sublicense nor pledge in any manner whatsoever, any of your rights or obligations under these Terms of Use.
INDEMNITY
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:
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.
This defense, hold harmless and indemnification obligation will survive any termination of these Terms and your use of the Services.
GOVERNING LAW AND JURISDICTION
These Terms of Use and your use of the Site are governed in all respects by the laws of the Malaysia, without giving effect to any principles of conflicts of laws. Any dispute concerning the App or these Terms of Use shall be subject to the exclusive venue of a court of competent jurisdiction in Wilayah Persekutuan, Malaysia.
GENERAL
We reserve the right to discontinue or modify any aspect of the Services at any time. These Terms, together with the Privacy Policy, and any other legal notices published by us on the Services, shall constitute the entire agreement between us concerning the Services. If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and a party's failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.
ELECTRONIC COMMUNICATION
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 EXSY. 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 info@atvneutre.com.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. EXSY reserves the right to charge a fee of RM600.00 for paper transmission of the insurance policy, any instalments paper invoice and any policy endorsement or communication if requested by you.
PRIVACY POLICY
This Privacy Policy (“Policy”) describes how EXSY, its respective subsidiaries, affiliates, associated companies and jointly controlled entities (collectively “EXSY”, “we”, “us” or “our”) collect, use, process and disclose your Personal Data through the use of EXSY’s Apps and Websites (including all mobile applications and websites operated by EXSY (respectively “Apps” and “Websites”), products, features and other services globally (collectively, “Services”).
This Policy applies to our customers, passengers, agents, vendors, suppliers, partners (such as referral and business partners), contractors and service providers (collectively “you”, “your” or “yours”)
“Personal Data” is any information which can be used to identify you or from which you are identifiable. This includes but is not limited to your name, nationality, telephone number, bank and credit card details, personal interests, email address, your image, government-issued identification numbers, biometric data, race, date of birth, marital status, religion, health information, vehicle and insurance information.
Collection of Personal Data
We collect Personal Data about you in the ways listed below. We may also combine the collected Personal Data with other Personal Data in our possession.
You provide your Personal Data to us
We collect your Personal Data when you voluntarily provide it to us. For example, you may provide your Personal Data to us when you:
When our services are used
Personal Data may be collected through the normal operation of our Apps, Websites, Services. Some examples are:
When we collect Personal Data from other sources, we make sure that that data is transferred to us in accordance with applicable laws. Such sources include:
If you are a referral-partner, we may collect:
Some of the information that we collect is sensitive in nature. This includes information such as national ID numbers, race, marital status, and your health or religious beliefs. We only collect this information when this is necessary to comply with legal or regulatory requirements.
In-app image-taking
Some EXSY partners may use mobile cameras to take personal information such as identification card and vehicle grant. The use of such camera is not endorsed or prohibited by EXSY. The collection, use and disclosure of Personal Data obtained from personal mobile cameras is the responsibility of the relevant partner. Please check with the relevant partner if you have any queries about their use of personal cameras.
Personal Data of minors
As a parent or legal guardian, please do not allow minors under your care to submit Personal Data to EXSY. In the event that such Personal Data of a minor is disclosed to EXSY, you hereby consent to the processing of the minor’s Personal Data and accept and agree to be bound by this Policy and take responsibility for his or her actions.
When you provide personal data of other individuals to us
In some situations, you may provide Personal Data of other individuals (such as your spouse, family members or friends) to us. For example, you may add them as your emergency contact. If you provide us with their Personal Data, you represent and warrant that you have and you have obtained their consent for their Personal Data to be collected, used and disclosed as set out in this Policy.
Use of Personal Data
EXSY may use, combine and process your Personal Data for the following purposes (“Purposes”).
Providing services and features
Your Personal Data will be used to provide, personalise, maintain and improve our products and services. This includes using your Personal Data to:
We use your data to ensure the safety and security of our services and all users. This includes:
We use Personal Data to resolve customer support issues. For example, we may:
We may use the Personal Data we collect for testing, research, analysis and product development. This allows us to understand and analyse your needs and preferences, protect your personal data, improve and enhance the safety and security of our services, develop new features, products and services, and facilitate insurance and finance solutions.
Legal purposes
We may use the Personal Data we collect to investigate and resolve claims or disputes, or as allowed or required by applicable law
We may also use your Personal Data when we are required, advised, recommended, expected or requested to do so by our legal advisors or any local or foreign legal, regulatory, governmental or other authority.
For example, we may use your Personal Data to:
Marketing and promotions
We may use your Personal Data to market EXSY and EXSY’s partners’ sponsors’ and advertisers’ products, services, events or promotions. For example, we may:
If you wish to unsubscribe to the processing of your Personal Data for marketing and promotions, please click on the unsubscribe link in the relevant email or message. Alternatively, you may also update your preferences in our App settings.
Disclosure of Personal Data
We need to share Personal Data with various parties for the Purposes. These parties include:
Other users
For example, if you are a customer, we may share your locations with referrals.
If you are a referral, we may share your Personal Data with your customer including your name and photo; your average rating, full name and age.
With third-parties
For example, we may share a customer name and information with third parties (insurers, reinsurers) when a customer uses Customer Service feature or activates the Renew Automatically.
With subsidiaries and affiliates
We share Personal Data with our subsidiaries, associated companies, jointly controlled entities and affiliates.
With EXSY’s service providers and business partners
We may provide Personal Data to our vendors, consultants, marketing partners, research firms, and other service providers or business partners. This includes:
We may share your Personal Data with our legal advisors, law enforcement officials, government authorities and other third parties.
Retention of Personal Data
We retains your Personal Data for as long you maintain your EXSY account. Once your Personal Data is no longer necessary for the Services or Purposes, or we no longer have a legal or business purpose for retaining your Personal Data, we take steps to prevent access or use of such Personal Data for any purpose other than compliance with this privacy policy, or for purposes of safety, security, fraud prevention and detection.
International transfers of Personal Data
Your Personal Data may be transferred from country, state and city (“Home Country”) in which you are present while using our services to another country, state and city (“Alternate Country”). You understand and consent to the transfer of your Personal Data from your Home Country to the Alternate Country.
Cookies
EXSY, and third parties with whom we partner, may use cookies, web beacons, tags, scripts, local shared objects such as HTML5 and Flash (sometimes called “flash cookies”), advertising identifiers (including mobile identifiers such as Apple’s IDFA or Google’s Advertising ID) and similar technology (“Cookies”) in connection with your use of the Websites and Apps. Cookies may have unique identifiers, and reside, among other places, on your computer or mobile device, in emails we send to you, and on our web pages. Cookies may transmit Personal Data about you and your use of the Service, such as your browser type, search preferences, IP address, data relating to advertisements that have been displayed to you or that you have clicked on, and the date and time of your use. Cookies may be persistent or stored only during an individual session.
EXSY may allow third parties to use Cookies on the Websites and Apps to collect the same type of Personal Data for the same purposes EXSY does for itself. Third parties may be able to associate the Personal Data they collect with other Personal Data they have about you from other sources. We do not necessarily have access to or control over the Cookies they use.
Additionally, we may share non-personally identifiable Personal Data with third parties, such as location data, advertising identifiers, or a cryptographic hash of a common account identifier (such as an email address), to facilitate the display of targeted advertising.
If you do not wish for your Personal Data to be collected via Cookies on the Websites, you may deactivate cookies by adjusting your internet browser settings to disable, block or deactivate cookies, by deleting your browsing history and clearing the cache from your internet browser. You may also be able to limit our sharing of some of this Personal Data through your mobile device settings, or by submitting your details.
Amendments and updates
EXSY shall have the right to modify, update or amend the terms of this Policy at any time by placing the updated Policy on the Websites. By continuing to use the Apps, Websites or Services, purchase products from EXSY or continuing to communicate or engage with EXSY following the modifications, updates or amendments to this Policy, you signify your acceptance of such modifications, updates or amendments.
If you have any queries about your personal data, please contact us :
EXSY by AT VENTURE
Email: info@atventure.com.my
The original of this Privacy Statement is written in the English language. In the event of any conflict between the English and other language versions, the English version shall prevail.
Updated: 14/01/2021
This Policy applies to our customers, passengers, agents, vendors, suppliers, partners (such as referral and business partners), contractors and service providers (collectively “you”, “your” or “yours”)
“Personal Data” is any information which can be used to identify you or from which you are identifiable. This includes but is not limited to your name, nationality, telephone number, bank and credit card details, personal interests, email address, your image, government-issued identification numbers, biometric data, race, date of birth, marital status, religion, health information, vehicle and insurance information.
Collection of Personal Data
We collect Personal Data about you in the ways listed below. We may also combine the collected Personal Data with other Personal Data in our possession.
You provide your Personal Data to us
We collect your Personal Data when you voluntarily provide it to us. For example, you may provide your Personal Data to us when you:
- fill up a user profile or registration forms;
- provide information to assess your eligibility to provide services as a EXSY referral-partner;
- earn incentives and cashbacks
- interact with our social media pages;
- participate in contests or events organised by us;
- use biometric features to identity yourself; and
- fill up demographic information in surveys.
When our services are used
Personal Data may be collected through the normal operation of our Apps, Websites, Services. Some examples are:
- your location (to detect driving locations and driving patterns);
- feedback, ratings and compliments;
- transaction information (such as payment method and distance travelled);
- information about how you interacted with our Apps, Website or services (such as features used and content viewed);
- device information (such as hardware model and serial number, IP address, file names and versions and advertising identifiers); and
- personal data you enter in messages when you use our in-app communication features.
- vehicle data you enter to verify vehicle for insurance purchase
When we collect Personal Data from other sources, we make sure that that data is transferred to us in accordance with applicable laws. Such sources include:
- referral programmes;
- our business partners, such as agent partners, payment providers, enterprise partners and transport partners;
- insurance and financial providers;
- publicly available data;
- governmental sources of data;
- when our users add you as an emergency contact; and
- marketing services providers or partners.
If you are a referral-partner, we may collect:
- telematics data (such as your speed, acceleration, and braking data);
- device data (such as accelerometer data, GPS location, your IMEI number and the names of apps you have installed on your device); and
- your vehicle registration data.
- your vehicle insurance policy
Some of the information that we collect is sensitive in nature. This includes information such as national ID numbers, race, marital status, and your health or religious beliefs. We only collect this information when this is necessary to comply with legal or regulatory requirements.
In-app image-taking
Some EXSY partners may use mobile cameras to take personal information such as identification card and vehicle grant. The use of such camera is not endorsed or prohibited by EXSY. The collection, use and disclosure of Personal Data obtained from personal mobile cameras is the responsibility of the relevant partner. Please check with the relevant partner if you have any queries about their use of personal cameras.
Personal Data of minors
As a parent or legal guardian, please do not allow minors under your care to submit Personal Data to EXSY. In the event that such Personal Data of a minor is disclosed to EXSY, you hereby consent to the processing of the minor’s Personal Data and accept and agree to be bound by this Policy and take responsibility for his or her actions.
When you provide personal data of other individuals to us
In some situations, you may provide Personal Data of other individuals (such as your spouse, family members or friends) to us. For example, you may add them as your emergency contact. If you provide us with their Personal Data, you represent and warrant that you have and you have obtained their consent for their Personal Data to be collected, used and disclosed as set out in this Policy.
Use of Personal Data
EXSY may use, combine and process your Personal Data for the following purposes (“Purposes”).
Providing services and features
Your Personal Data will be used to provide, personalise, maintain and improve our products and services. This includes using your Personal Data to:
- provide you with Services across our various business verticals;
- engage you to provide Services;
- create, administer and update your account;
- verify your identity;
- validate your vehicle and process payments;
- offer, obtain, provide or facilitate insurance or financing solutions;
- track your driving behaviour and detect abnormal driving patterns;
- enable features that personalise your App, such as lists of your favourite places and previous destinations;
- perform internal operations necessary to provide our Services, including troubleshooting software bugs and operational problems, conducting data analysis, testing and research, monitoring and analysing usage and activity trends;
- protect the security or integrity of the Services and any facilities or equipment used to make the Services available;
- process and manage your rewards;
- enable communications between our users;
- process, manage or verify your application for subscription with EXSY and to provide you with subscribers’ benefits; and
- enable our partners to manage and facilitate insurance solutions.
We use your data to ensure the safety and security of our services and all users. This includes:
- screening referral-partners before enabling their use of our Services;
- identifying unsafe driving behaviour such as speeding, harsh braking and acceleration, and providing personalised feedback to partners;
- verifying your identity when you log in to EXSY;
- using device, location, profile, usage and other Personal Data to prevent, detect and combat fraud or unsafe activities;
- monitoring compliance with our terms and conditions, policies and Referral’s Code of Conduct; and
- detecting, preventing and prosecuting crime.
We use Personal Data to resolve customer support issues. For example, we may:
- investigate and address concerns;
- monitor and improve our customer support responses;
- respond to questions, comments and feedback; and
- inform you about steps taken to resolve customer support issues.
We may use the Personal Data we collect for testing, research, analysis and product development. This allows us to understand and analyse your needs and preferences, protect your personal data, improve and enhance the safety and security of our services, develop new features, products and services, and facilitate insurance and finance solutions.
Legal purposes
We may use the Personal Data we collect to investigate and resolve claims or disputes, or as allowed or required by applicable law
We may also use your Personal Data when we are required, advised, recommended, expected or requested to do so by our legal advisors or any local or foreign legal, regulatory, governmental or other authority.
For example, we may use your Personal Data to:
- comply with court orders or other legal, governmental or regulatory requirements;
- enforce our Terms of Service or other agreements; and
- protect our rights or property in the event of a claim or dispute.
Marketing and promotions
We may use your Personal Data to market EXSY and EXSY’s partners’ sponsors’ and advertisers’ products, services, events or promotions. For example, we may:
- send you alerts, newsletters, updates, mailers, promotional materials, special privileges, festive greetings; and
- notify, invite and manage your participation in our events or activities;
If you wish to unsubscribe to the processing of your Personal Data for marketing and promotions, please click on the unsubscribe link in the relevant email or message. Alternatively, you may also update your preferences in our App settings.
Disclosure of Personal Data
We need to share Personal Data with various parties for the Purposes. These parties include:
Other users
For example, if you are a customer, we may share your locations with referrals.
If you are a referral, we may share your Personal Data with your customer including your name and photo; your average rating, full name and age.
With third-parties
For example, we may share a customer name and information with third parties (insurers, reinsurers) when a customer uses Customer Service feature or activates the Renew Automatically.
With subsidiaries and affiliates
We share Personal Data with our subsidiaries, associated companies, jointly controlled entities and affiliates.
With EXSY’s service providers and business partners
We may provide Personal Data to our vendors, consultants, marketing partners, research firms, and other service providers or business partners. This includes:
- payment processors and facilitators;
- background check and anti-money laundering service providers;
- cloud storage providers;
- marketing partners and marketing platform providers;
- data analytics providers;
- research partners, including those performing surveys or research projects in partnership with EXSY or on EXSY’s behalf;
- agents and referral partners;
- insurance and financing partners; and
- vehicle solutions partners, vendors or third-party vehicle suppliers.
We may share your Personal Data with our legal advisors, law enforcement officials, government authorities and other third parties.
Retention of Personal Data
We retains your Personal Data for as long you maintain your EXSY account. Once your Personal Data is no longer necessary for the Services or Purposes, or we no longer have a legal or business purpose for retaining your Personal Data, we take steps to prevent access or use of such Personal Data for any purpose other than compliance with this privacy policy, or for purposes of safety, security, fraud prevention and detection.
International transfers of Personal Data
Your Personal Data may be transferred from country, state and city (“Home Country”) in which you are present while using our services to another country, state and city (“Alternate Country”). You understand and consent to the transfer of your Personal Data from your Home Country to the Alternate Country.
Cookies
EXSY, and third parties with whom we partner, may use cookies, web beacons, tags, scripts, local shared objects such as HTML5 and Flash (sometimes called “flash cookies”), advertising identifiers (including mobile identifiers such as Apple’s IDFA or Google’s Advertising ID) and similar technology (“Cookies”) in connection with your use of the Websites and Apps. Cookies may have unique identifiers, and reside, among other places, on your computer or mobile device, in emails we send to you, and on our web pages. Cookies may transmit Personal Data about you and your use of the Service, such as your browser type, search preferences, IP address, data relating to advertisements that have been displayed to you or that you have clicked on, and the date and time of your use. Cookies may be persistent or stored only during an individual session.
EXSY may allow third parties to use Cookies on the Websites and Apps to collect the same type of Personal Data for the same purposes EXSY does for itself. Third parties may be able to associate the Personal Data they collect with other Personal Data they have about you from other sources. We do not necessarily have access to or control over the Cookies they use.
Additionally, we may share non-personally identifiable Personal Data with third parties, such as location data, advertising identifiers, or a cryptographic hash of a common account identifier (such as an email address), to facilitate the display of targeted advertising.
If you do not wish for your Personal Data to be collected via Cookies on the Websites, you may deactivate cookies by adjusting your internet browser settings to disable, block or deactivate cookies, by deleting your browsing history and clearing the cache from your internet browser. You may also be able to limit our sharing of some of this Personal Data through your mobile device settings, or by submitting your details.
Amendments and updates
EXSY shall have the right to modify, update or amend the terms of this Policy at any time by placing the updated Policy on the Websites. By continuing to use the Apps, Websites or Services, purchase products from EXSY or continuing to communicate or engage with EXSY following the modifications, updates or amendments to this Policy, you signify your acceptance of such modifications, updates or amendments.
If you have any queries about your personal data, please contact us :
EXSY by AT VENTURE
Email: info@atventure.com.my
The original of this Privacy Statement is written in the English language. In the event of any conflict between the English and other language versions, the English version shall prevail.
Updated: 14/01/2021
exsy & atventure.com.my is a service provided by AT Venture 201703043361 (SA0412081-A) ©. All rights reserved.