Disclaimers, Conditions, and Terms of Use

This website is for education mainly, before our service. It is also an invitation to subscribe and join us, for viewers and visitors who are interested in Insurtech and also resonating with us. No other influence or purpose is intended.

Since English is the current admitted International Language of Insurance and Reinsurance Business, so it is the only official language to be used in this website, and also in all our related work and communications.

We always welcome you to subscribe, anytime as you wish. (To Subscribe) However, at anytime if you wish to unsubscribe from this website, please just do so simply as directed. (To Unsubcribe)

The text in this website can be quoted, used, published, broadcast and distributed, in whole or in part, and in so doing, must accord properly to the Author and the Registered Owner of www.Insurtech.com in writing and in accordance with the intentions, texts, contents, ideas and spirit of www.Insurtech.com and also must not be re-edited, rewritten, rearranged, adapted, translated, or interpreted without written approval from the Author and the Registered Owner of www.Insurtech.com. You can email us at info@insurtech.com to request for our agreement and approval anytime the earliest. No approval or agreement is presumed or automatically granted under any circumstance. In addition, in all or any such actions, efforts, operations and manoeuvres, the name of and the link to www.Insurtech.com must be distinctly brought up, mentioned, referenced, and indicated as the source therein. No derivative work or re-creation is allowed either. We expect our copyright and all our rights are to be respected at all times. We will seek compensations, including any loss and damage, any time at our discretion, when and if it happens, as it comes to our knowledge.

In all circumstances, despite our knowledge or even acknowledgement, agreement and approval, written or otherwise, we are not and must not be held responsible or liable as a party in the use, rewriting, rearranging, re-editing, application, adaptation, translation, interpretation on the intentions, texts, contents, ideas and spirit of www.Insurtech.com, or whatever action and/or purpose thereof by anybody or any party, unless directly initiated and executed by the Author and the Registered Owner of www.Insurtech.com.

All and everything, and not just limited to the analytics, meanings, materials, and ideas evolved and published herein, as contained in this website, are Intellectual Property and copyright belonging to the Author and the Registered Owner of www.Insutech.com under the respective and relevant laws or rules, whenever and wherever triggered and applicable. Notwithstanding anything to the contrary, it is the absolute prerogative and discretion of the Author and the Registered Owner of www.Insutech.com as to which or what law or laws are applicable at any time.

Notwithstanding anything to the contrary, the Author and the Registered Owner of www.Insurtech.com, are the sole official and legal interpreters of the contents, intentions, words, ideas and meanings, and their use, whether individual or self-standing, independent, in a group or all inclusive, in this website.

With no intention to offend anybody, our experience tells us that people usually like to see and hear only what they like to see and hear, and sometimes actually don't like about facts, truths and reality, but this website contains and intends only facts, truths, and reality, as known and recognized by the Author and the Registered Owner of www.Insurtech.com at all times, and all based on what we know and understand, all in text format, and in fact without using much graphics and pictures that may divert, distort or mislead the attention and understanding of viewers and visitors to our website, on what we intend to convey and communicate.

Currently, we are not licensed to sell insurance. Unless opportunity presents itself and meet with our criteria to our full satisfaction, we do not intend to sell insurance either, at least not at the present time. Even if and when we sell insurance, it will be done differently and not the ordinary and usual way as known to most, and definitely will not be selling you just "products". We believe we are in insurance business! We do insurance and provide services relating thereto. In selling insurance, when and if it happens, we will and help take risks and provide insurance by making insurance contracts that you know and understand, based on Utmost Good Faith and True Agreement of Minds. And always in writing that you can retrieve and find back easily, and as recorded. We always endeavour to tell you what is not covered, upfront, and right at the beginning when you buy and when the insurance is bound, before any claim, so that you may become better prepared and insured as agreed. We expect you to ask us questions also, anytime, before anything happens! We prefer everything in writing, always. And that's insurance!

Business-wise and operation-wise, we, the Author and the Registered Owner of www.Insurtech.com operate only on the Internet, through voice, video and data connections, and are borderless without any geographical restriction. Notwithstanding anything to the contrary, it is totally our decision and discretion as to where, who and what we want to access, do business and operate in or do not want to access, do business and operate in, and are not subject to any jurisdiction or anyone's control in this respect, and subject absolutely to the decision and discretion of the Author and the Registered Owner of www.Insurtech.com only.

Even though, for all purposes,all Internet and web operations are supposed and meant to be virtual and borderless, yet based on our knowledge and experiences, and other priviledged information and considerations, there are certain jurisdictions in this world that we have decided not to deal with or deal in, or be involved with, and purposely try to keep our presence in such jurisdications to be very selective and minimum as necessary only, and even passive and involuntary only, with the objective of being non-gainful pecuniary-wise and practically no business operation whatsoever, or simply just staying offshore from such jurisdictions totally. Notwithstanding anything to the contrary, our decision is subject to change, which is absolutely the prerogatve and discretion of the Author and the Registered Owner of www.Insurtech.com at all times.

At the present time, our devotion and vocation is to become the insurance and insurtech backoffice, providing technical support and expertise to all our Selected Independent Associates in insurance business and related businesses, and in various capacities. Should you need service or insurance service of any kind, other than what we do, please contact our Selected Independent Associates directly, if you so wish.

We are always careful in our work and in what we do, but we are absolutely not responsible or liable for anything else, particularly if as a consequence of what others do on their own initiative, whether adequate or not, or beyond, or even against our intention, direction, education, control and authorization, directly or indirectly. We have always trained, orientated and educated our employees accordingly and properly, and we require them that they must work and manifest as such in whatever they do accordingly and properly also, in all their work and action, and particularly when they work and act on behalf of our company or in the name of our company.

In essence, notwithstanding anything to the contrary, we are not responsible or liable for what others do, irrespective of the cause or intention, unless we are specifically, directly, transactionally, and legally proven involved in the matter in question, and in all circumstances must be subject to our acceptance and agreement to such status and situation in writing.

We are not responsible or liable for any and all the links, whether through Internet or not, including their contents, that may appear in and relating to this website, in whatever ways, directly or indirectly, voluntarily or involuntarily, and whether such links are active or inactive.

We usually and always respond to questions and comments directed to us in writing, as known to us, but we reserve our right whether to respond or not, and all decisions and actions in this respect are absolutely our prerogative and at our own discretion.

Insurtech is a portmanteau of "insurance" and "technology". The word and its meaning was created by the Author in 1984. At that time, he was the marketing manager with a professional insurance broker. He incorporated a company with that name in the same year. Long before the word "Fintech" even came into existence. He firmly believes technology, if properly used, will change insurance business to the way it should be. The word and its meaning have been used in business since. The web domain www.Insurtech.com was also registered in 1997. In addition, the word Insurtech and its meaning, including its web domain www.Insurtech.com have always been intended to be proprietary, both actual and virtual, borderless and limitless, in all our usage, application and expression.

All the ideas and words in this website, including their usage and meaning, are our originals and intellectual property. We never have the intention to damage or infringe on the intellectual property of others, whenever and wherever. If anyone thinks that we did, please write to info@insurtech.com and notify us immediately, and in English, together with all proper referencing proofs and evidence, so that we may study, investigate and respond accordingly.

We strive to be kind and considerate, respect each other's individuality and perspectives, and graciously communicating with anyone who writes to us, but we always retain the ownership and prerogative on all our copyrights and Intellectual Property in such actions.

We will continue to re-edit, rewrite, rearrange, change, delete, and upgrade our text, and all or any of the contents and materials in this website, whenever is necessary and anytime as we see fit, without prior notice to anyone. We always keep our records in doing so.