Terms of Use

General
By accessing or using the State website, you acknowledge and agree to be bound by the terms of use. If you do not agree with any part of the terms of use, please do not access or use this website. As used in the website, the terms “State”, “we”, “us”, and “our” refer to State Insurance Brokers Sdn Bhd.

Use of Content

The content in the State Website is available for information only. No information in this website is or should be interpreted as an offer or a solicitation for an offer, or other advice. Where such is needed, an independent professional consultation concerning general or life insurance or services is available through State. Please contact us on +603 22723855 or by email to statekl@state.com.my.

Our Website contains links to other websites maintained by third parties. We do not operate or control, in any respect, or necessarily endorse the content found on these third-party websites. You assume sole responsibility for your use of third-party links. We are not responsible for any content posted on third-party websites or liable to you for any loss or damage of any sort incurred as a result of your dealings with any third-party or their website.

Disclaimers

Our Website and website content are provided on an “AS IS” and “AS AVAILABLE” basis without warranty of any kind, either express or implied. Without limiting the warranties of title, non-infringement, merchantability, fitness for a particular purpose.

We do not warrant the availability, accuracy, security, usefulness, timeliness of any information on the State Website.

We do not warrant that your use of the State Website will be error-free or uninterrupted.

Intellectual Property Disclosure

The State Website and its content, features, and all intellectual property rights are owned by State Insurance Brokers Sdn Bhd. You are prohibited from copying, modifying, displaying, distributing, transmitting, through the use of technology, publishing, creating derivative works or using any site content for any purpose without the prior written approval from State.

Trademarks, Service Marks and Logos (“Marks”)

The marks appearing on the State Website are the property of State Insurance Brokers Sdn Bhd.

Limitation of Liability

Under no circumstances shall State or its Officers, Directors, Employees, Successors be liable for any direct, indirect, incidental, consequential or special damages arising out of, relating to, or in any way connected with our website or any of the terms of use.

Local Legal Restrictions

The State Website is not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) the publication or availability of the State Website is prohibited. Persons in respect of whom such prohibitions apply must not access the State Website.

Reservations of Rights

We reserve the right to replace, change, modify, add to, or remove portions of these terms of use at any time.

Jurisdiction, Severability

Any action arising out of these terms or State Website shall be litigated in, and only in, courts located in Malaysia, and you agree to submit to the exclusive jurisdiction of those courts and further agree that they are a convenient forum for you.

In the event that any of these terms is held unenforceable, the validity or enforceability of the remaining terms will not be affected.

No Confidential Information

State does not wish to receive confidential or proprietary information through the State Website. Please note that any information or material sent to State will be considered not confidential. By sending State any information or material, you grant to State an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute those materials or information. You also agree that State is free to use any ideas, concepts, know-how or techniques that you send State for any purpose.

No Reliance

While State uses reasonable efforts to obtain information from sources which it believes to be reliable, State makes no representation that the information or opinions contained on the State Website is accurate, reliable or complete. The information and opinions contained in the State Website are provided by State for personal use/reference and information only and are subject to change without notice. Nothing contained on the State Website constitutes investment, legal, tax or other advice nor is it to be relied on in making an investment or other decision. You should obtain relevant and specific independent professional advice before making any investment decision.