Terms and Condition

Terms of Use of the PT MSIG Life Insurance Indonesia Tbk Website


  1. Your use of this Site, including accessing or browsing this Site, is considered as your acceptance and approval of the Terms of Use and Privacy Policy. Please read both carefully. If you do not accept and do not agree, without limitation or qualification, to these Terms of Use, you are welcome to immediately leave this Site and not use this Site in the future. You acknowledge that PT MSIG Life Insurance Indonesia Tbk (MSIG Life), a limited liability company established under the laws of the Republic of Indonesia. Your use of this Site is also subject to other laws or regulations that apply to websites, the internet, or the worldwide web. This site and its contents are made for information purposes and all content is provided for non-commercial use. You are prohibited from distributing, modifying, sending, reusing, reposting, or using the contents of this Site for general or commercial purposes, including text, images, audio and video without written permission from MSIG Life. All terms and conditions contained in this Site, including those contained in these Terms of Use, are governed by the laws of the Republic of Indonesia. By entering into this Site, you agree to submit to the exclusive jurisdiction of the Central Jakarta District Court in the event of a dispute. If any part of this Terms of Use is deemed invalid, unenforceable, or unlawful for any reason, then other parts of these Terms of Use remain in full force. Any personal data (such as your name, address, telephone number or e-mail address) that you send to this Site via electronic mail or by entering directly or otherwise, will be used by MSIG Life in accordance with the Privacy Policy. Any other form of communication or material that you send to this Site, such as questions, comments, suggestions or the like, will be treated as not confidential or not ownership. Anything you send or post (other than personal information that is subject to the Privacy Policy) becomes the property of MSIG Life and can be used for any purpose, including, but not limited to, reproducing, disclosing, shipping, publishing, broadcasting and posting. MSIG Life has the right to provide your personal information to your authorities and internet service providers if you conduct illegal activities or violate these Terms of Use. MSIG Life can change these Terms of Use at any time by updating this post. You are bound by each of these revisions and therefore you should periodically visit this page to check the current Terms of Use. You will still be bound by these changes even if you do not revisit this page to read this notification again.
  2. Your code of ethics agrees not to carry out activities that interfere with or harm the operation or function of this site. As long as you are subject to the terms of use, and to the extent that you are permitted by MSIG Life to access and use this site, you can download and view one (1) copy of any downloaded material and software on the site that MSIG Life gives you access to to be downloaded, on one computer or mobile telephone device, only for personal, non-commercial use, provided you keep all copyright and other ownership notices, except MSIG Life allows otherwise. Unless expressly stated and permitted in writing by MSIG Life, you agree not to reproduce, change, rent, lend, sell, distribute, adapt, translate, make derivative works (either in whole or in part), reverse engineer, decompile or disassemble any service or software, all or part of this site, or any material available through this site. Certain software can be regulated and guided by additional end user license agreements where you may be asked to approve it before using the software. You are prohibited from placing or sending any material that is unlawful, threatening, defamatory, obscene, scandalous, stimulating or defamatory, which could cause or encourage actions that would be considered as a criminal act, giving rise to civil liability or violation of any law. MSIG Life will fully cooperate with law enforcement agencies or court orders that request or direct MSIG Life to disclose the identity of anyone who posts such information or material and has the right to delete the material from this site at any time. Please remember that visitors to this site may place messages or make inaccurate, misleading, deceptive or offensive statements. To the extent permitted by law, MSIG Life and direct or indirect parent companies, subsidiaries, sponsors, or affiliated companies of MSIG Life do not support and are also not responsible for suggestions, information, opinions or statements made by third parties. Without restrictions, MSIG Life and affiliated companies are not responsible for information or material provided by third parties including without limitation errors or omissions in the placement or provision of links or images included in messages or profiles or results obtained by using the information or material.
  3. MSIG Life is not responsible or liable for any errors or omissions for the contents of this site. Risks from use and exploration this site is borne by you alone. As far as it is permitted by law, both MSIG Life and its affiliates, or other parties involved in the creation, production, or delivery of sites, are not responsible for direct, incidental, consequential damages, not direct, or penalty or loss arising from your access to, or use of, this site. You are hereby notified that there are risks associated with activities related to the world wide web and can arise from internet use and the world wide web, and those risks arising from your use of this site are at your own expense. MSIG Life does not provide any guarantee that this site will meet the needs of users, that this site will be free of errors, free from interruptions, timely or safe. You understand and agree that any information or material and / or goods or services obtained through this site are borne by you yourself obtained based on a decision and at your own risk. MSIG Life and its affiliates are also not responsible, and will not be responsible for any damage or infecting viruses, your computer equipment or other property that may arise as a result of you accessing this site, or downloading material through this site provided that we do not limit our legal obligations to deaths or injuries caused by our negligence. This site and MSIG Life oppose the use of unsolicited and unsolicited e-mail that worsens the performance and availability of this site's services. All forms of e-mail that have the effect of promoting the e-mail are not recommended and can be immediately deleted from this site when detected. MSIG Life prohibits the use of other internet services to send or place unwanted e-mails to direct visitors to your site through this site, whether the message is from you, or under your direction or by or under the direction of a third party concerned or not related to you, and MSIG Life can take the necessary actions to stop these activities at any time if detected. MSIG Life does not review part or all of the sites related to this site and is not responsible for the content or privacy policy of any other site or site linked to this site. MSIG Life is not responsible or liable for any cookies, data or personal information collected by other sites accessed through this site, or related sites.
  4. Your obligation to MSIG Life you agree to protect and release MSIG Life, its affiliates and other parties involved in the production, production or delivery of this site, and their respective directors, officials, employees, agents, shareholders, licensors, and representatives, of and against all claims, losses, costs and expenses (including without limitation attorney's fees) arising from (a) the use, activities, services or software associated with, this site; (b) any violation of the terms of use; or (c) any charges or claims for any content from users that you provide or make through this site, services, or software that violates or violates copyright, trademarks, trade secrets, privacy or other intellectual property, or other rights from third parties.
  5. Ownership of content and intellectual property all trademarks are protected from commercial use. You are prohibited from using registered or unregistered trademarks on this site without the prior written permission of MSIG Life or written permission from the relevant trademark owner. You must assume that everything you see or read on this site has copyright unless stated otherwise and may not be used, except as specified in the terms of use or in the text on this site without written permission from MSIG Life. MSIG Life does not guarantee or state that your use of material displayed on this site will not violate the rights of third parties. Images of people or places displayed on this site are owned or used with permission from MSIG Life or its affiliates. The use of these images by you, or anyone you designate is prohibited unless permitted by certain terms of use or permissions provided elsewhere on this site. Any unauthorized use of the images on this site may violate copyright law, trademark laws, privacy and publicity laws, and communication and statutory regulations. You are also informed that MSIG Life or its affiliates, according to their policies, may choose to aggressively enforce the intellectual property rights of MSIG Life or its affiliates fully legally, including the search for criminal prosecution, or to refer violators to the authorities in the competent jurisdiction.
  6. Violations of the terms of use of MSIG Life may, at its sole discretion, prevent you from accessing this site or removing and removing any content on this site if, for any reason, including without limitation, if MSIG Life believes that you have violated or acted not in harmony with the content or purpose of these terms of use. MSIG Life has the right to contact any authorized party or other related party and disclose personal information and information, or take legal action, regarding your behavior on this site at its sole discretion.