General Terms and Conditions

Eligibility Criteria

Access to InsMaxix insurance products is available to residents of Singapore who meet age and lawful use requirements specified below.

Applicants must be retirees or individuals aged 55 and above to qualify for our insurance plans designed for retirement needs.

Users agree to use InsMaxix services in compliance with Singapore laws and regulations, avoiding any fraudulent or unlawful activities.

Currently, InsMaxix insurance solutions are offered exclusively to individuals residing in Singapore.

User Account

Creating an account with InsMaxix enables access to personalized insurance offerings and service management tools.

Users are responsible for providing accurate and up-to-date information when registering and during account maintenance.

You agree to maintain confidentiality of your login credentials and notify InsMaxix immediately upon discovering any unauthorized use.

Accounts are non-transferable and must only be used by the registered individual.

Promptly inform InsMaxix of any suspected security breaches or unauthorized access to your account.

InsMaxix reserves the right to suspend accounts that violate terms or present security risks.

Services Provided

InsMaxix offers a range of insurance solutions aimed at protecting and supporting retirees in Singapore.

Service offerings may be updated or modified to maintain compliance and improve user experience.

While InsMaxix strives to ensure service availability, temporary interruptions may occur due to maintenance or technical issues.

User Conduct Rules

Users accessing InsMaxix services agree to the following behavioral standards:

• Provide truthful and accurate information when using the services.
• Respect the confidentiality of other users’ information.
• Refrain from disrupting service operations or attempting unauthorized access.
• Comply with all applicable laws and regulations while using services.
• Avoid submitting content that is offensive, harmful, or illegal.
• Report any misuse or suspicious activities promptly to InsMaxix.
• Use services strictly for their intended purpose related to retirement insurance.

User-Provided Content

When you submit content to InsMaxix platforms, you retain ownership but grant us licenses for usage as outlined below.

Users retain all rights to their submitted content but agree to share it for purposes related to service delivery.

By providing content, users grant InsMaxix a non-exclusive, royalty-free license to use, reproduce, and distribute it.

Users are solely responsible for the content they submit and must ensure it does not infringe third-party rights.

InsMaxix reserves the right to remove any content that violates terms or is deemed inappropriate.

Intellectual Property

All intellectual property rights related to InsMaxix services, including logos, text, and technology, are owned by InsMaxix or its licensors.

• Users shall not reproduce or distribute InsMaxix intellectual property without authorization.
• Modifying or creating derivative works based on InsMaxix content is prohibited without consent.
• Unauthorized commercial use of InsMaxix intellectual property is strictly forbidden.

Paid Services

InsMaxix offers selected insurance plans and services that may require payment according to published terms.

Pricing details for paid services are available on our website and subject to change with prior notice.

Payments must be made via approved methods to activate or maintain access to paid services.

Subscription-based services renew automatically unless canceled in accordance with our cancellation policy.

Refunds are considered on a case-by-case basis and are not guaranteed except where required by law.

Users may cancel paid services anytime; cancellation policies apply as specified per service.

Applicable taxes on paid services will be added in compliance with Singapore tax laws.

InsMaxix reserves the right to adjust pricing; changes will be communicated ahead of application.

Failure to pay may result in suspension or termination of the services provided.

Disclaimer

InsMaxix provides insurance information and products as a service platform; decisions made based on this information remain the user's responsibility.

Limitation of Liability

InsMaxix shall not be liable for any indirect, incidental, or consequential damages arising from use of our services.

Third-Party Services

Use of third-party providers linked with InsMaxix services is subject to separate terms and privacy policies.

Termination of Services

We may terminate or restrict access to services if users violate terms or for operational reasons.

Upon termination, user data will be handled according to privacy policies and applicable laws.

Privacy

User privacy is paramount; InsMaxix commits to handling personal data responsibly and in accordance with Singapore law.

Communications

By using our services, you consent to receive communications electronically for efficiency and convenience.

Changes to Terms

InsMaxix reserves the right to update these terms; continued use after changes implies acceptance.

Governing Law

These terms are governed by the laws of Singapore, and any disputes will be subject to the jurisdiction of its courts.

Dispute Resolution

Users agree to attempt resolving conflicts informally with InsMaxix prior to seeking legal remedies.