Terms of Use

Welcome to the official website of the Persatuan Insurans Am Malaysia (PIAM) (“the Association”). This website is owned and maintained by PIAM, a trade association for general insurance business and general reinsurance business in Malaysia. By accessing and using this website, you agree to comply with and be bound by the following Terms of Use. If you do not agree to these terms, please discontinue use of this site.

Acceptance of Terms

By accessing this website, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Use and any applicable laws and regulations in Malaysia.

Purpose of the Website

This website is intended to provide general information about the Association’s role, initiatives, industry guidelines, publications, and public awareness activities. It is not intended to provide professional, legal, or insurance advice.

Intellectual Property

All content, trademarks, logos, graphics, text, documents, and other materials on this site are the property of the Association unless otherwise stated.

No part of this website may be reproduced, modified, distributed, or used for commercial purposes without prior written consent from the Association.

Use of Content

You may access and use the materials on this website solely for personal, informational, and non-commercial purposes.

You agree not to misuse the website or attempt to gain unauthorised access to any part of the system or data.

Accuracy of Information

While we strive to ensure that the information presented is accurate and up to date, the Association does not warrant or guarantee the completeness, reliability, or timeliness of any information on the site. We reserve the right to make changes or updates without prior notice.

External Links

This website may contain links to third-party websites for your convenience. The Association is not responsible for the content, privacy practices, or terms of use of these external sites, and inclusion of a link does not imply endorsement.

Limitation of Liability

The Association shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your use of or inability to use this website or its content.

Privacy and Data Protection

We collect, use, and safeguard your personal data in compliance with the Personal Data Protection Act 2010 (PDPA) of Malaysia.

Website Security

Users are prohibited from violating or attempting to violate the security of the website, including but not limited to:

Unauthorized access to data or systems
Interference with service to any user or server
Uploading harmful files such as viruses, malware, or corrupted data

Violations may result in civil or criminal liability under applicable Malaysian laws.

Changes to Terms

The Association reserves the right to amend these Term of Use at any time without prior notice.

Governing Law

These Terms shall be governed and interpreted in accordance with the laws of Malaysia. Any disputes arising shall be subject to the exclusive jurisdiction of the Malaysian courts.