; e-tgcinsure | Terms and Conditions
Welcome to e-tgcinsure!
The following terms and conditions apply to your access and use of this site and the services provided herein by TGC Asia Sdn Bhd (TGC) and its related, associated or affiliated companies, including the third party service provider, the Insurer. By accessing this site you agree to be bound by these terms and conditions without limitation or qualification. If you do not accept these terms and conditions, please immediately discontinue your access to this site and/or use of the services.

All the services provided herein are subject to the terms and conditions of the applicable agreement governing their use. The terms and conditions stated herein are meant to regulate your use of this site and should be read together with terms and conditions of any applicable agreement between you and the Insurer. TGC reserves the right to make changes to these terms & conditions without prior notice at our absolute discretion. TGC however will take reasonable effort to notify you of such changes via email/notifications or other means deemed appropriate.

Term of sale
a) Registration
It is upon your full awareness and consent that you are providing us with your personal information during registration of an account with us for the purposes set out in our Privacy Policy. We may disclose and/or retain your personal information in a manner permitted by law and for the purposes stated in our Privacy Policy. Do not misuse our service to serve unauthorised third-party interests in any way possible. Your legitimacy as an entity shall be verified via any means permitted by law upon registration to avoid fraud or ill-intention.

b) Payment
To enable online payment, TGC uses third-party payment services. It is an encrypted system where we do not store or collect your payment card details or any details related to your banking facility.

TGC accepts payments via credit/debit card and FPX for payment in Malaysian Ringgit (MYR) and only accepts credit/debit card for payment in U.S Dollar (USD).

By using this payment facility, you hereby agree, understand and confirm that your personal data including without limitation details relating to debit card/ credit card transmitted over the Internet may be susceptible to misuse, hacking, theft and/ or fraud and that TGC or the payment service provider(s) have no control over such matters. 

Although all reasonable care has been taken towards guarding against unauthorized use of any information transmitted by you, TGC does not represent or guarantee that the use of the Services provided by/ through it will not result in theft and/or unauthorized use of data over the Internet.

TGC and its affiliates and/or third-party service provider shall not be liable, at any time, for any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information contained on the site.

By accepting these terms and conditions you agree that your user ID and password are particularly important pieces of information, and it shall be at your own responsibility to keep them secure and confidential.

c) Cancellation & Refund policy
Your Insurance Certificate can be cancelled if your request is submitted to our Helpdesk 3 days prior to the shipment date. We shall refund your payment via the payment gateway provided it meets our verification requirement and approval.

We reserve the right to hold or decline your refund if you failed the verification process and or any other event not qualifying you for a refund.

Disclaimer of Liability
You shall be responsible for maintaining the confidentiality of the password and account and are fully responsible for all activities that occur under your password or account.

TGC shall not be responsible or liable for any losses or damages or consequent damages, loss, and/or expenses arising from your negligence in safeguarding your access to this site. TGC also disclaims any liability and responsibility from non-payable or rejected claims in which such results or findings are solely determined by the Insurer. TGC hereby confirms zero involvement in agreement and/or any content of agreement therein between you and the Insurer.

TGC shall not be responsible or liable for any losses or damages or consequent damages, loss, and/or expenses arising from your negligence in providing accurate and sufficient information for the purpose of insuring your interest. TGC hereby confirm zero direct/indirect involvement in any activities under and/or during your access to the site.

You hereby irrevocably agree to indemnify TGC and keep TGC indemnified from all liabilities, claims, losses, and expenses, including any legal fees that may be incurred by TGC in connection with or arising from your use or misuse of this site and the services provided herein, or your breach of these terms and conditions howsoever occasioned.

The materials and information in this site are provided by TGC on an “as is” and “as available” basis. References to material and information contained on the site include such material and information provided by third parties.
Other than as expressly set out in these terms or additional terms, TGC does not guarantee the content within the Services, the specific functions of the Services, or their reliability, availability, or ability to meet your needs. 
TGC also does not warrant and/or guarantee that the services and all content especially that provide by third party service provider in this site is error free, virus free and uninterrupted. Reasonable measures will be taken by TGC to ensure the accuracy and validity of all information relating to transactions and products of TGC which originate exclusively from TGC.

Unless otherwise indicated, the copyright of this site and all of its contents that originate from TGC are the property of TGC, and are protected by applicable Malaysian and international copyright laws. No part or parts of this site may be modified, copied, distributed, retransmitted, broadcast, displayed, performed, reproduced, re-published, licensed, transferred, sold, or commercially dealt with in any manner without the express prior written consent of TGC.
You also may not, without TGC’s expressed prior written consent, insert a link to this site on any other site, frame or "mirror" any material contained on this site on any other server.
Any such unauthorised reproduction, retransmission or other copying or modification of any of the contents of TGC’s site may be in breach of statutory or common law rights which could be the subject of legal action.
TGC disclaims all liability which may arise from any unauthorised reproduction or use of the contents of our site.

Governing Law & Jurisdiction
The use of this site is bound by the terms and conditions set out above and are governed exclusively by and are to be construed in accordance with all applicable laws of Malaysia. By using this site, you hereby expressly consent to the exclusive jurisdiction of the Courts of Malaysia in all actions, disputes or controversies arising out of or relating to the use of this site.