Terms & Conditions

By accepting and agreeing to the terms and conditions herein, IRDA granted a non-transferable and revocable license to the Applicant to use the Website for the purpose of the Services on the Website.

Any non-compliance or breach of any of the term herein will result in the immediate revocation of the license granted herein by IRDA without any notice to the Applicant.

Contents provided and/or published on the Website is solely for informational purposes.

The Services and related features that may be made available on the Website may require further and/or separate registration or subscription.

IRDA shall not in any manner whatsoever be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with activities and transactions arising from the Account.

The Applicant must login to the Website with an existing Account or to create a new Account by completing the Website registration process with a username and password to effectively view and make an Online Application of Services on the Website.

In the creation of the Account, the Applicant must supply name, identity card number, address, phone number, email address and/or such other relevant information as required in the relevant electronic registration forms.

The Applicant is under full obligation and responsibility to provide accurate, current and complete information, and to update such information in a timely manner to maintain its accuracy and completeness. The Applicant is solely responsible for keeping passwords and other account identifiers safe and secure, wherein the Applicant is entirely responsible and liable for all activities that occur under the Account

In the event that any of the information provided or supplied by the Applicant to IRDA is found to be not true, not clear or not accurate, the Account and any rights or privileges in ancillary thereto towards the Online Application, as well as other facilities and/or Services accorded may be suspended indefinitely or terminated as IRDA deems fit.

The Applicant must be of minimum age of 18 years at the time of creation of Account

At all times IRDA reserves the right to monitor all activities of the Account.

Application forms together with the supporting documents for the Services are required to be submitted online through the Website.

All sections must be filled in and scanned copies of the supporting documents must be uploaded, for a submission to be complete.

If the Online Application is not in order, notification of any irregularities will be sent to the Applicant’s email address based on the Account. Please ensure that the email address the Applicant has provided to IRDA is accurate.

IRDA no longer issue hard copies of the Permit. The Permit can only be retrieved and downloaded from the Account of the Website.

Upon issuance of the Permit, a notification will be sent to the Applicant’s email address based on the Account.

The decision of the approval of the Permit shall be final and binding upon the Applicant.

To ensure smooth processing of the Online Application, please do the following:
(a) Make all the necessary payments.
(b) Submit scanned copies of the supporting documents.

The system does not automatically save the fields of information. Please save the final version of the Online Application before submitting it or exiting the system.

The Online Application submitted may be rejected or cannot be processed for various reasons, whereupon IRDA shall not in any manner whatsoever be held responsible or liable to any inconvenience, misfortune, loss and/or damages of whatsoever nature that may be suffered by the Applicant.

The Online Application will be deemed submitted upon successfully payment of the Online Application at the Website.

Upon submission of an Online Application, the Applicant shall not be entitled to any cancellation save and except double payments caused by system error in accordance with the terms and condition of the Refund Policy. If the Applicant shall have decided to cancel the Online Application for any reason whatsoever, no refund shall be made to the Applicant by IRDA.

The price of the Services shall be the price as published in the Website. The price stipulated may exclude Sales & Service Tax (SST) and/or such other costs and expenses in which the Applicant shall be responsible for such costs and expenses.

The price of the Services may be varied, adjusted and changes from time to time at the sole discretion of IRDA.

Payment for the Online Application and/or for all other payment arising in the Website shall be directed to IRDA.

All payments shall be made in the currency of the Malaysian Ringgit only.

All Online Application shall only be processed after full payment of the purchase price of the Services has been received by IRDA.

The payment gateway services may be provided by a third party company or services at the sole discretion determined by IRDA from time to time.

The mode of payments available include:
(a) Credit Card / Debit Cards. Any additional charges may be incurred if a nonMalaysian issued card is used due to foreign exchange.
(b) Online Banking Transfer from any banks that are available in the Website

In addition to any other legal or equitable remedies, IRDA may without prior notice, immediately terminate the Account and/or revoke any or all of the rights, licenses and/or privileges granted hereunder.

Upon termination of the Account, the Applicant shall be denied all access to and use of the Website or the Services.

Any termination herein shall not affect the respective rights and obligations, including without limitation to any payment obligations arising before the date of the termination.

IRDA shall not be liable to the Applicant or to any other person as a result of any such termination.

If the Applicant is dissatisfied or disagree with the Website or with any terms, conditions, rules, policies, guidelines and/or practices of IRDA in operating the Website, the Applicant is to discontinue using the Website and/or its Services and facilities provided thereof

All Intellectual Property, whether registered or unregistered contained in the Website, information content in the Website and all the website design, including but not limited to text, graphics, software, photos, video, music, sound and their selection and arrangement, and all software compilations, underlying source code and software shall remain the property of the owner of Intellectual Property.

All rights are reserved and no part of the Website can be reproduced, duplicated or in any manner copies without IRDA’s express consent or the express consent of the respective owner of the Intellectual Property including but not limited to the following:-
(a) Copy or republish material from the Website
(b) Sell, rent, or sub-license material from the Website
(c) Reproduce, duplicate or copy material from the Website
(d) Redistribute content from the Website

Where applicable each and respective Intellectual Property not belonging to us shall be owned by the respective owner of the Intellectual Property.

The Applicant hereby agrees that IRDA shall be allowed to use and process the personal data in accordance with the terms and conditions of the Privacy Policy.

IRDA shall ensure that those people and entities use the confidential information only to exercise rights and fulfil obligations under the terms herein contained and to keep and maintain the confidentiality of the confidential information.

Confidential information may be disclosed when required by law after giving the discloser reasonable notice and the opportunity to seek confidential treatment, a protective order or similar remedies or relief prior to disclosure.

Hyperlinking to IRDA’s content

1. Third-party websites may include hyperlinks to the Website. The inclusion of any such hyperlink does not imply any endorsement, sponsorship, or recommendation by IRDA of the linked website or its content.
2. IRDA does not monitor, control, or endorse any linked websites and is not responsible for the content, accuracy, legality, or any other aspect of any linked website or any content or services provided on such website.
3. The Applicant agrees that IRDA shall not be liable for any damages or losses arising from or related to any third-party website or any content or services provided on such third-party website

Hyperlinking to third party content

1. The Website may include hyperlinks to third-party content. The inclusion of any hyperlink in the Website does not constitute an endorsement, sponsorship, or recommendation by either party of the linked content.
2. The Applicant acknowledges and agrees that any hyperlinks to third-party content included in the Website are provided for convenience only.
3. Such third party content is not operated by IRDA and the Applicant shall be responsible for reviewing and evaluating any linked content and shall be solely liable for any damages or losses arising from or related to such linked content.

Any written notices required under this Agreement and shall be deemed validly given if: -
(a) delivered in person to the intended recipient’s postal address or last known address, and shall be deemed to have been given on the date of its delivery;
(b) sent by courier services or posted by registered post to the postal address or last known address, and shall be deemed to have been given four (4) days after the date of posting;
(c) By email or any comparable means of communication to the intended recipient’s official email address, and shall be deemed to have been given on the date of transmission.

The terms and conditions herein shall be interpreted and governed by the laws of Malaysia.

Any controversy, claim or dispute arising out of or relating to the terms and conditions herein and/or any transactions made in this Website or with other parties therein will be referred to and adjudicated through a court of competent jurisdiction in Malaysia.

No waiver by IRDA of any breach of the terms herein shall be considered as a waiver of any subsequent breach of the same or any other provision.

If any provision of the terms and conditions herein is held by any competent authority to be invalid or unenforceable in whole or in part the validity of the other provisions of the terms herein and the remainder of the provision in question shall not be affected thereby and shall remain valid and effective.

No person who is not a party shall have any right to enforce any terms herein which expressly or by implication confers a benefit on that person.

Although IRDA strives to provide all the Applicant with access to the Website twenty-four (24) hours a day, IRDA cannot guarantee that the Website will always be available, functional, uninterrupted and/or operate free from error, and would likewise be subject to occasional server maintenances.

IRDA shall be entitled to commence court legal proceedings for the purposes of protecting its intellectual property rights and confidential information by means of injunctive or any other equitable relief.

IRDA reserves its rights to amend, modify or delete any of the terms and conditions hereunder at any times without prior notice and such amendment, modification or deletion shall take effect upon the same is posted at the Website.

IRDA WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION HEREUNDER, THE WEBSITE, THE INABILITY TO USE THE WEBSITE, OR THOSE RESULTING FROM ANY SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO VIA THE WEBSITE.

Any typographical clerical or other error or omission in any acceptance, invoice, content material or other document on the part of IRDA shall be subject to correction without any liability as against IRDA.