Welcome to wh.sekawanrakyat.com (“we”, “us”, “our”, or the “Website”). These Terms and Conditions (“Terms”) govern your access to and use of this Website, which focuses on information, content, and resources related to general insurance.
By accessing or using this Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Website.
1. Acceptance of Terms
By using the Website, you represent and warrant that:
- You are at least 18 years old, or you are accessing the Website under the supervision of a parent or legal guardian; and
- You have the legal capacity to enter into a binding agreement and to comply with these Terms.
2. Changes to These Terms
We may update or modify these Terms from time to time at our sole discretion. Any changes will be effective immediately upon posting on this page unless otherwise stated. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms regularly.
3. Website Purpose and No Professional Advice
The content provided on wh.sekawanrakyat.com is for general informational and educational purposes only in the field of general insurance. While we aim to provide accurate, up-to-date, and useful information, we:
- Do not provide personalized insurance, financial, legal, tax, or investment advice;
- Do not act as an insurance agent, broker, underwriter, or financial planner on this Website; and
- Do not guarantee that any insurance product or service mentioned is suitable or available for your specific needs.
You should always consult directly with licensed insurance professionals, financial advisors, or other qualified experts before making any decision related to insurance coverage, policy purchases, or changes.
4. Insurance Information, Quotes, and Offers
Any information about insurance products, policy features, premium estimates, quotes, or comparisons provided on the Website is:
- For reference only and may be incomplete, outdated, or approximate;
- Subject to change without notice by the relevant insurance providers;
- Based on general assumptions and may not reflect your individual risk profile, eligibility, or location.
We are not responsible for any decisions you make based on such information. You must verify all details directly with the relevant insurer, agent, or broker before purchasing or modifying any policy.
5. No Guarantee of Coverage or Approval
We do not guarantee that you will be approved for any insurance policy or that you will receive any particular terms, coverage, premium, discount, or benefit. Eligibility, underwriting decisions, and final terms of coverage are determined solely by the respective insurance providers, not by this Website.
6. User Obligations
By using the Website, you agree that you will:
- Use the Website only for lawful purposes and in accordance with these Terms;
- Not use the Website in any way that may damage, disable, overburden, or impair the Website or interfere with any other party’s use of the Website;
- Not attempt to gain unauthorized access to any portion or feature of the Website, or to any systems or networks connected to the Website;
- Not use any automated systems (including robots, spiders, or scrapers) to access the Website for any purpose without our prior written permission;
- Not upload, post, or transmit any content that is unlawful, harmful, defamatory, obscene, harassing, discriminatory, or otherwise objectionable.
7. Intellectual Property Rights
Unless otherwise stated, all content on wh.sekawanrakyat.com, including but not limited to text, graphics, logos, icons, images, and layout (“Content”), is owned by us or our licensors and is protected by applicable copyright, trademark, and other intellectual property laws.
You may view, download, and print Content for your personal, non-commercial use only, provided that you:
- Do not modify the Content in any way;
- Do not remove any copyright, trademark, or other proprietary notices; and
- Do not reproduce, distribute, publicly display, or otherwise use the Content for any commercial purpose without our prior written consent.
8. Third-Party Websites and Services
The Website may contain links to or references to third-party websites, products, or services, including those of insurance companies, brokers, or other partners (collectively, “Third-Party Services”). These Third-Party Services are provided for your convenience only.
We do not own, control, or endorse any Third-Party Services and are not responsible for their content, privacy policies, terms, or practices. If you access any Third-Party Services, you do so at your own risk and you are solely responsible for reviewing and complying with their terms and conditions.
9. User-Generated Content
In some areas of the Website, you may be able to submit comments, reviews, feedback, or other content (“User Content”). By submitting User Content, you:
- Represent and warrant that you own or have the necessary rights to submit such content;
- Grant us a non-exclusive, worldwide, royalty-free, irrevocable, and transferable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in any media; and
- Agree that your User Content will not violate any law, infringe any third-party rights, or contain unlawful, harmful, or inappropriate material.
We reserve the right, but not the obligation, to monitor, edit, or remove any User Content at our sole discretion.
10. Privacy
Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data. By using this Website, you consent to the processing of your information in accordance with our Privacy Policy.
Please review our Privacy Policy available on the Website for more details.
11. Disclaimers
The Website and all Content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:
- Warranties of accuracy, reliability, completeness, or timeliness of the Content;
- Warranties of merchantability, fitness for a particular purpose, or non-infringement;
- Any warranty that the Website will be uninterrupted, error-free, secure, or free from viruses or other harmful components.
Your use of the Website is at your sole risk.
12. Limitation of Liability
To the maximum extent permitted by applicable law, in no event shall we, our affiliates, directors, officers, employees, partners, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, arising out of or in connection with:
- Your access to or use of, or inability to access or use, the Website;
- Any Content or actions of any third party on or linked to the Website;
- Any unauthorized access, use, or alteration of your data or transmissions.
In all cases, our total liability to you for any claims arising out of or relating to the Website or these Terms shall be limited to the amount, if any, that you paid to us for using the Website during the six (6) months immediately preceding the event giving rise to the claim.
13. Indemnification
You agree to indemnify, defend, and hold harmless us and our affiliates, directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:
- Your use of or access to the Website;
- Your violation of these Terms;
- Your violation of any rights of a third party, including intellectual property or privacy rights; or
- Your User Content.
14. Termination
We may, at our sole discretion, suspend or terminate your access to all or part of the Website at any time, with or without notice, for any reason, including but not limited to your violation of these Terms. Upon termination, the rights and licenses granted to you under these Terms will immediately cease.
15. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of Indonesia, without regard to its conflict of law principles.
You agree that any dispute arising out of or relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the competent courts located in Indonesia, and you hereby consent to the personal jurisdiction of such courts.
16. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be deemed modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
17. Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices or additional terms published on the Website, constitute the entire agreement between you and us regarding your use of wh.sekawanrakyat.com and supersede any prior agreements, understandings, or communications, whether written or oral.
18. Contact Us
If you have any questions, concerns, or requests regarding these Terms, you may contact us using the details provided on our Contact page or via email at: