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Terms & Conditions of Business:

Our Terms & Conditions of Business sets out the basis on which BetterInsuranceQuotes.com.sg provides it’s service. Please take a few minutes to read through these before submitting an application for an insurance quote. These terms are valid from 1st January 2009 until further notice.

Our Company
BetterInsuranceQuotes.com.sg does not have any “tied” relationships with any insurance company that would compromise our ability to help you to get the best insurance quotes.

Our Services
BetterInsuranceQuotes.com.sg acts as a marketing service on behalf of insurance businesses based in Singapore.  Any quotes or advice are provided by a network of insurance businesses who are all registered with the Monetary Authority of Singapore. All users of the BetterInsuranceQuotes.com.sg service are free to choose which insurance company they proceed with and are never advised to choose one company over another. BetterInsuranceQuotes.com.sg does not give advice or recommend any financial or investment products. Nor do we market any collective investment scheme or arrange any contract of insurance in respect of life policies. Our aim is simply to help consumers save money. BetterInsuranceQuotes.com.sg may be remunerated by members of it’s network of insurance businesses for the marketing services conducted on their behalf. BetterInsuranceQuotes.com.sg does not receive or deal with the money or the property of it’s users. All applicants must tick a check box to say they have read these terms and conditions before proceeding for a quote.

Consumer Protection
BetterInsuranceQuotes.com.sg may collect personal information about you and store such information electronically. We collect such information from you whenever you fill out an application for a quote for insurance or other products.

We use your Personal Information to help our network of insurance businesses to generate quotations for the products which you have selected.

Sharing of Your Personal Information
Your Personal Information may be shared with any of the insurance companies using this site. We will not however disclose your personal information to other third parties without your prior consent (subject to any disclosure as may be required by law).

Data Protection
By law, you are entitled to see a copy of any personal information about you which we hold on file. Should you wish to obtain a copy of this information, then please contact us. Should you find that we hold personal information about you which is inaccurate, then we will make any necessary corrections immediately. At your request, we will immediately delete any personal information about you which is held by us.

Any complaint that you may have in relation to the business services provided by our firm should be made in writing to our company at Corporate Assistance Limited, 44 Northumberland Road, Ballsbridge, Dublin 4, Ireland. Any such complaint will be acknowledged within 5 business days. Our company will attempt to investigate and resolve a complaint within 40 business days of having received the complaint.

You, or we, may terminate our authority to act on your behalf at any time, without penalty. Notice of this termination must be given in writing.

Conflict of Interest
It is the policy of our firm to avoid any conflict of interest when providing business services to our clients. However, where an unavoidable conflict may arise we will advise you of this in writing before proceeding to provide any business service. If you have not been advised of any such conflict you are entitled to assume that none arises.

Copyright and Site Content
You acknowledge and accept that all copyright, trademarks and all other intellectual property rights in all material or content provided as part of the website belong to Corporate Assistance Limited. You may download material from this website for your own use only. No right, title or interest in any downloaded materials is transferred to you by such downloading. Any other use of the material and content of the website is strictly prohibited and you agree not to copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material.

BetterInsuranceQuotes.com.sg is designed to bring you general information and help you to get quotes for insurance and other financial products only. This website does not provide any financial advice. All quotations are provided by various third parties and product providers and whilst it is believed to be correct, the accuracy of the information is not guaranteed. We have no liability to you with respect to the accuracy of such information. In addition, whilst every effort is made to ensure the information given to you by third parties is up to date, there may be a time delay in receiving that information. You should therefore check the accuracy of the information in all cases. We cannot guarantee that a product provider will be able to provide a policy at any particular time. We do not accept any liability in the event of withdrawal of any offering of an investment or for rejection of your application by the Product Provider for any reason whatsoever. We make no warranty that the website will meet your requirements or will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that the site or its server are free from viruses or bugs or that the information will be full, accurate or reliable. We will not be liable to you for any loss of material uploaded or transmitted through the website. Neither we, nor any of our directors, agents or employees will be liable for damages of any kind arising out of or in connection with your use of this website, other than those damages for which liability cannot be excluded under Irish law. In the event that there are third party links to other websites for your convenience, you acknowledge and agree that we are not responsible for the availability or functionality of such external sites. We do not endorse the content of any external sites and are not responsible or liable, directly or indirectly, for any loss however caused to you by your use of any external site. We shall not be liable to you where performance of any of our obligations to you is prevented, frustrated or impeded by any circumstance or cause beyond our control.

Privacy Statement
The information you provide us with will be passed on by us to potential providers and researchers who will use that information and respond with the terms they have found or that they are prepared to offer. We are required to have your consent before we use any personal information you give us or pass it to any third parties. Before we can take your application further, you must therefore agree with us that:

(a) Any information we hold about you can be held on computer and/or in paper files.
(b) Any information which you give us, including sensitive personal data such as health and medical records, may be disclosed to selected third parties for the purposes of finding the best available quote for you.
(c) We may disclose information held about you to insurance companies and other product providers, researchers and companies; anyone whom we may use to process your application on your behalf, and fraud prevention agencies to prevent fraud.
(d) We (and any third party to whom we have passed your information with your consent) may use the information that we, or they, hold about you to contact you from time to time by post, fax, email or telephone to bring to your attention additional products or services which may be of benefit to you.

We agree that any consent given by you may be withdrawn by you at any time by contacting us in writing at: Corporate Assistance Limited, 44 Northumberland Road, Ballsbridge, Dublin 4, Ireland.

Use of the BetterInsuranceQuotes.com.sg Web Site
These Terms & Conditions of Business apply to your use of the BetterInsuranceQuotes.com.sg web site and service. If you are not over 18 or not living in Singapore, you should not attempt to submit an application. However, subject to your acceptance of these Terms, you should feel free to browse our web site. An application signifies that you have read and understood these Terms & Conditions of Business and that you agree to be bound by them. If you do not agree to be bound by these Terms & Conditions of Business in their entirety, you should not use this website.

In using the BetterInsuranceQuotes.com.sg web site, we require that you abide by these Terms & Conditions of Business. If you fail to abide by them, and this failure causes us to suffer a claim, action, liability, or loss because of your failure to abide by these Terms & Conditions of Business, you agree to indemnify us, on demand, for all costs and expenses, including legal fees that arise. We reserve the right at any time to modify or withdraw, temporarily or permanently, the website or any part of it without notice to you and we will not be liable to you in any way for any modification or withdrawal of the website. We also reserve the right to modify these Terms & Conditions of Business without reference to you.

We reserve the right at any time to refuse to process an application for any reason. We will not be liable to you or any third party by reason of our failing to process an application. These Terms shall be governed by and construed in accordance with Irish law and the Irish courts shall have jurisdiction over any disputes between us. If any part of these Terms & Conditions of Business is found to be unenforceable as a matter of law, all other parts of these Terms & Conditions of Business shall not be affected and shall remain in force.