Terms and Conditions

This Terms and Conditions sets out MicroUmbrella.com's policy when you access and use its mobile application and/or website. By accessing and using MicroUmbrella.com mobile application and/or website, you are deemed to have read, accepted, and agreed to be legally bound by the terms of this Terms and Conditions, regardless of whether you have registered as a user on MicroUmbrella.com

MicroUmbrella.com reserves the right to amend this Terms and Conditions without prior notice. Any use of MicroUmbrella.com mobile application and/or website after such amendment shall be deemed acceptance of the amended Terms and Conditions in its entirety. If you do not agree to this Terms and Conditions, please immediately discontinue your access to, and use of, the mobile application and/or website.

Disclaimer

The information and material on this mobile application and/or website[LPM1]  are provided on an "as is" and "as available" basis and no warranty is deemed to be made by WECARE TECH LLP as to the accuracy, adequacy, completeness or reasonableness of the information and materials contained in or accessed through this mobile application and/or website[LPM2]  and expressly disclaims liability for any errors in, or omissions errors in, or omissions from, such information and materials. No warranty of any kind, implied, express or statutory (including but not limited to, warranties of title, merchantability, satisfactory quality, non-infringement of third-party intellectual property rights, fitness for a particular purpose), is given in conjunction with such information and materials, or this mobile application and/or website[LPM3]  in general. The information and materials provided in this mobile application and/or website are for informational purposes only and are not to be considered as complete descriptions of the products and services described within. No responsibility or liability shall be accepted by WECARE TECH LLP for the content/materials/information provided on third party websites (including hyperlinks) [LPM4] linked to this mobile application and/or website [LPM5] which are not maintained by WECARE TECH LLP.

Please note that the material (including without limitation workout and exercise tips, and information contained in applications and video clips), provided on any of our web properties, communication channels and social media, is provided by way of information only. It is not and does not purport to be, or it is not a substitute for, nor does it replace, medical or other professional advice, or treatment of health conditions. Whilst we endeavor to ensure that the contents of the material are accurate, errors and omissions may occur and we do not accept any liability in respect of them. Any third party hyperlinks provided by us on any of our mobile application and/or website[LPM6]  properties, communication channels and social media are provided for your convenience - their inclusion does not imply any approval or endorsement by us. We have no control over the content of those sites and accept no responsibility or liability in respect of them.

Risk Disclosure Statement

The mobile application and/or website[LPM7]  is an inherently unreliable medium of communication and such unreliability is beyond our control. There may be outages in out "customer login" due to system upgrades or changes. As a result, there may be failures or delays in the transmission or receipt of your application for insurance which may result in the failure or delay in processing your application. Further, there are risks of interception, interruption or transmission blackout as well as misunderstandings or errors in any communication via the mobile application and/or website[LPM8] . WECARE TECH LLP shall not be responsible in any manner for any direct, indirect, special or consequential loss in connection with any loss as a result.

Legality

In certain countries, government, legal or regulatory requirements may restrict or prohibit the accessing and/or use of the information, products and services provided by this mobile application and/or website[LPM9] . You may confirm that no such requirements apply to you or in respect of your use of this mobile application and/or website.

Information

All information, materials and opinions appearing on this mobile application and/or website[LPM10] , (including text, graphs, links or other terms) are subject to change without notice at our discretion. Although efforts have been made to ensure accuracy, we cannot accept any responsibility for and do not warrant or represent that such information, materials or opinions are true, correct, accurate, complete or fair, and they should not be relied on as such.

All data, ideas, concepts and other information collected or derived from the information made available to us through this mobile application and/or website[LPM11]  shall deem to be and remain our property and we shall have free use if it without any confidentiality or other restriction, except if agreed in advance in writing or to the extent required by the laws of the Republic of Singapore.

Exclusion of Liability

In no event will WECARE TECH LLP be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this mobile application and/or website or the use thereof or inability to use by any party, or reliance on the contents of this [LPM12] mobile application and/or website, or in connection with any failure of performance, error, omission, interruption, defect, delay or failure in operation or transmission, phone virus or line  or system failure, even if WECARE TECH LLP, its representatives, are advised of the possibility of such damages, losses or expense.

Hyperlinks

Hyperlinks from or to third party websites and/or mobile applications[CMT13] [LPM14] [LPM15]  outside of MicroUmbrella.com mobile application and/or website[LPM16]  are meant for convenience only. Such linked websites and mobile applications [LPM17] are owned and operated by third parties and as such are not under the control of WECARE TECH LLP. Therefore, WECARE TECH LLP shall not be responsible and makes no warranties in respect if the contents of those websites and mobile applications[LPM18] , the third parties named therein or their products and services.

Furthermore, the links provided in this mobile application and/or website[LPM19]  shall not be considered an endorsement or verification or approval of such linked websites or mobile applications [LPM20] or the contents therein. Linking to any other site is at your sole risk and WECARE TECH LLP shall not be responsible or liable for any damages in connection with the linking.

License and Ownership

You shall not distribute, modify, transmit, reuse, repost, reverse engineer, decompile or make any use of the content of this mobile application and/or website[LPM21]  for public, commercial or other purposes other than private personal use, without our prior consent in writing. Nothing contained in this mobile application and/or website[LPM22]  should be construed as granting a license or right to use any trademarks or other intellectual property rights displayed in this mobile application and/or website[LPM23]  without the written permission of the owner.

Intellectual Property

All titles, copyrights and other intellectual property rights in and to this mobile application and/or website[LPM24]  and its content are owned by us or by the respective third party proprietor and may be protected by applicable copyright or other intellectual property laws.

Unless the prior written consent of WECARE TECH LLP or the relevant third party proprietor of any of the titles, copyrights and other intellectual property rights appearing on the mobile application and/or website[LPM25]  has been obtained, no license or right is granted to any party accessing this mobile application and/or website[LPM26]  to use, download, reproduce, copy or modify such titles, copyrights and other intellectual property rights. Similarly, unless the prior written consent of WECARE TECH LLP or the relevant proprietor has been obtained, no such titles, copyrights and other intellectual property rights may be used as a link or to mark any link to the WECARE TECH LLP's mobile application and/or website[LPM27]  or any other mobile application and/or website[LPM28] .

Indemnification

You will on demand indemnify, hold harmless and defend us against all actions, claims liabilities and costs suffered or incurred as a result of your use of this mobile application and/or website[LPM29] [LPM30] , including but not limited to any breach whatsoever of any or all of the above terms and conditions.

Choice of Law and Jurisdiction

These terms and condition will be governed by the laws of the Republic of Singapore and the parties agree to submit to the exclusive jurisdiction of the courts in the Republic of Singapore.

 

 

Policy on Personal Data

By accessing and using WECARE TECH's mobile application and/or website[LPM31] , you are deemed to have read, accepted, and agreed to be legally bound by the terms of this Policy on Personal Data, regardless of whether you have registered as a user on MicroUmbrella.com. All data, ideas, concepts and other information collected or derived from the information made available to us through this mobile application and/or website[LPM32]  shall deem to be and remain our property. This policy is intended to be read together with WECARE TECH LLP's Terms and Conditions. 

WECARE TECH LLP reserves the right to amend this Policy on Personal Data without prior notice. Any use of the mobile application and/or website after such amendment shall be deemed acceptance of the amended Policy on Personal Data in its entirety. If you do not agree to this Policy on Personal Data, please immediately discontinue your access to, and use of, the mobile application and/or website.

Collection of Information

When you access or use this mobile application and/or website[LPM33]  or any part thereof, or communicate with WECARE TECH LLP or any of its officers, employees, agents, contractors, affiliates, or associates whether through written, published or electronic means, the telephone or otherwise, WECARE TECH LLP may collect or receive personal or non-personal information or data about, in connection with, or from you, including, without limitation, through cookies, pixel tags, website and data analytics, and other technologies, in accordance with the Personal Data Protection Act 2012 (PDPA). Personal information or data may include, without limitation, your name, contact information, user profile, national identity information, occupation, and information about your financial status and health status. Non-personal information or data may include, without limitation, your browser information, internet protocol (IP) address, how you use the mobile application/website or any part thereof, and aggregated information. WECARE TECH LLP will, as far as possible, inform you at each collection point as to what information is required and what information is optional. When you register as a user on MicroUmbrella.com mobile application and/or website using credentials from a social media site (e.g. Facebook, Instagram), you authorise us to collect your authentication information and other information, including your name, email address, gender, country, date of birth, location check-ins, and networks.

WECARE TECH LLP may also collect your personal data from third party about you in in connection with your policy application and claim, including from credit reporting agencies, government entities, insurers, insurance associations, hospital, clinics, motor workshops, private investigators and other relevant authorities.

Use of Information

WECARE TECH LLP uses the collected information set out for the specific purpose for which the information was provided;

  1. to confirm your identity and ensure that you are eligible to access and use the services provided on this mobile application and/or website;
  2. to process and, where necessary, respond to your applications, enquiries, or requests;
  3. to provide your personal data to WECARE TECH LLP's principal, insurer, contractor, service providers and partners;
  4. for the purposes of accessing any services provided by WECARE TECH LLP, including transmission to third party agents in order to process a review of your insurance coverage;
  5. to conduct due diligence checks on you in accordance with all applicable laws and Anti-Money Laundering/Countering the Financing of Terrorism policies;
  6. to enable WECARE TECH LLP to comply with all of its legal and regulatory obligations;
  7. to inform or update you about products, or services that you request from WECARE TECH LLP or that may interest you, where you have consented to be contacted for such purposes;
  8. sending of direct marketing communications and information about WECARE TECH LLP and its partners products, services, events (in accordance with applicable marketing laws, such as the Spam Control Act and Do Not Call registry rules under the Act);
  9. to update you on changes to this mobile application and/or website or WECARE TECH LLP's business operations;
  10. to monitor, improve, and administer this mobile application and/or website and the services provided through it;
  11. to conduct statistical or other forms of analysis for purposes of maintaining or improving this mobile application and/or website and WECARE TECH LLP's services in general; or
  12. to comply with all proceedings or inquiries from any state, regulatory, or enforcement agency;
  13. provision of reference and or testimonials
  14. complying with any obligations, requirements, policies, procedures, measures and arrangements for sharing data and information within WECARE TECH LLP and WECARE TECH LLP's underwriter, insurer, or principal;
  15. the enforcement of your obligations, including without limitation collection of amounts outstanding from you

Disclosure of Information

WECARE TECH LLP will not sell or rent your personal information to any third party. Information you provide to WECARE TECH LLP will be disclosed to third parties where:

a.         you have expressly or implicitly consented to such disclosure, or may be deemed to have consented to such disclosure;

b.         necessary to provide you with the products and/or services you have requested for, or to respond to your queries;

c.         necessary for the operation of this mobile application and/or website;

d.         required by any government, statutory, or regulatory authority, or to comply with any applicable law, court order, directive, or proceeding of such authority;

e.         you disclose such information to third parties in the course of participating in any competitions or promotional programmes on this mobile application and/or website;

f.            claim investigators, medical advisors, reinsurers or claim-related parties

g.         any contractor, agent or third party service provider who provides administrative, telecommunications, legal, payment or clearing or other services to WECARE TECH LLP

Security

WECARE TECH LLP takes reasonable steps to ensure your personal data is protected from misuse and loss and from unauthorised access, modification or disclosure. WECARE TECH LLP may hold your personal data in either electronic or hard copy form. Personal data is destroyed or de-identified when no longer needed. However, as MicroUmbrella.com mobile application and/or website is linked to the internet, and the internet is inherently insecure, WECARE TECH LLP cannot provide any assurance regarding the security of transmission of data that you communicated. WECARE TECH LLP cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any personal data or other information that you transmit to WECARE TECH LLP is transmitted at your own risk.

 

Cookies

When you visit this mobile application and/or website, information about your browsing behaviour on this mobile application and/or website may be collected with the use of "cookies". A cookie is a small piece of data sent from a website/application and automatically stored in a user's web browser when a user visits the website/application. The information collected by "cookies" may include items such as language preference, the pages visited and aggregated research data such as number of visitors but contain no personally identifiable information.

WECARE TECH LLP uses cookies to maintain the state of user connection with its mobile application and/or website and gather statistics on users' overall website browsing behaviour so that WECARE TECH LLP can evaluate its website's effectiveness and improve the user experience. If you prefer, you may disable the cookies by changing the setting on your web browser. However, you may not be able to fully utilise the functions of this mobile application and/or website if cookies are disabled.

WECARE TECH LLP may work with or engage third parties to conduct research on the usage and activities of users on its mobile application and/or website. No personally identifiable information about you is collected or shared with third parties as a result of the research.

Notifications

WECARE TECH LLP may send you email notifications (as well as in-app notifications) from time to time. You may not opt out of receiving certain service-related notifications that are:

  • necessary elements of your transactions on this mobile application and/or website and any product or service of WECARE TECH LLP, such as confirmations of particular actions you have taken;
  • are required for legal or security purposes;
  • meant to inform you of changes to this mobile application and/or website policies or WECARE TECH LLP's operations, products, or services.

You may, through written notice to WECARE TECH LLP, opt out of other service-related notifications at any time, including:

  • information updates issued by MicroUmbrella.com;
  • user surveys or other requests for user feedback;
  • marketing offers from WECARE TECH LLP and its partners and associates

 

Communications

WECARE TECH LLP may record, and/or monitor any communication (including telephone calls or other electronic communications) between you and WECARE TECH LLP. WECARE TECH LLP may do so in order to resolve queries in the future and/or for the purpose of ensuring security, staff training and complying with its legal and/or regulatory responsibilities.

Complain on Breach of Privacy

If you believe that your privacy has been breached, please contact us (see details below) and provide details of the incident so that we may investigate it.

If you have any questions about this policy on personal data, any concerns or a complain regarding the collection, use or disclosure of your personal data or a possible breach of your privacy, please use the Contact details set out below.

WECARE TECH LLP

Email: [email protected]