This Web Site is owned and maintained by PT Chubb General Insurance Indonesia or one or more of its affiliates (the "Owner") within Chubb International Holdings Ltd (“Chubb”), which is an operating division of the Chubb Group of insurance and reinsurance companies. Chubb and the Chubb Group are made up of insurance and reinsurance companies that are licensed or otherwise approved to transact insurance and/or reinsurance business located in various locations and various jurisdictions within the United States. Chubb also includes companies that provide services to the insurance industry and other customers. This Web Site provides users with access to an online collection of information and materials. These materials may include insurance applications and policy forms and other information related to certain insurance products and services ("Products and Services") offered by providers of insurance and insurance-related services operating within Chubb General Insurance Indonesia. The Web Site also contains text, pictures, graphics, logos, button items, images, works of authorship, and other content (collectively, "Content"), and may provide access to certain proprietary software used in connection with navigating and utilizing the functionality offered through this Web Site ("Software"). This Web Site is intended for use only by users who are at least 18 years of age and who reside in Indonesia.
Restricted Site Permissions and Access -The owner hereby grants you a limited license to access and use this site personally but not to download (other than temporarily accommodate the site pages) or modify it, or any part of this site unless the owner's express written consent. This license does not cover any resale or commercial use of this Website or its content; collection and use of any product lists, descriptions, or prices, any form of derivative use of the Website or its content; or any form of data mining, robots, or similar data collection and extraction tools. This website or any part of this website cannot be reproduced, duplicated, copied, sold, resold, visited, or in other words exploited for all forms of commercial purposes without the express written consent of the Owner. You are not permitted to compile or use composing techniques to include any trademarks, logos, or proprietary information (including images, text, page layouts or forms) of the Owner or its affiliates without their express written consent. You are not permitted to use any meta-tags or other “hidden text” that utilizes any Chubb General Insurance Indonesia name (name) or service mark without express written consent from the owner. Any unauthorized use will terminate the license or license granted by the Owner.
Availability of Products and Services – Due to various insurance and other regulatory restrictions, certain Products and Services described on this Web Site are not available to all users or in all jurisdictions. EXCEPT AS EXPRESSLY STATED HEREIN, THE INFORMATION CONTAINED ON THIS WEB SITE IS NOT AN OFFER TO SELL OR A SOLICITATION TO BUY ANY SECURITY, INSURANCE PRODUCT, OR OTHER PRODUCT OR SERVICE BY Chubb General Insurance Indonesia MEMBER COMPANIES. No security, insurance product or other product or service is offered or will be sold by Chubb General Insurance Indonesia member companies or, if sold by Chubb General Insurance Indonesia member companies, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction.
Please contact a designated Chubb General Insurance Indonesia representative to find out which Products and Services are available to you.
This Web Site may provide certain summary descriptions or other helpful information regarding Products and Services. Chubb General Insurance Indonesia and its member companies attempt to be as accurate as possible; however, any such materials are intended to generally describe the Products and Services and are subject in all respects to the specific terms and conditions of the actual policy or product/service agreement to which they refer. Complete policy terms are available upon request.
Copyright - Except as otherwise expressly stated, all Content and Software appearing on this Website is the work that has been protected by copyright from companies that are members of Chubb General Insurance Indonesia or its affiliates or third parties as content suppliers and are protected by Copyright Law of the Republic of Indonesia and International. Compilation (which means collection, arrangement and collection / assembly) of the entire Content and Software is also the exclusive property of the companies that are members of Chubb General Insurance Indonesia or its affiliates and are protected by the Copyright Law applicable in the Republic of Indonesia. and International.
You may download information from this Web Site and print out a hard copy for your personal use provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, patent, etc.) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or Content obtained from this Web Site, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorization of the Owner or any applicable third party suppliers. The use of Content, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by the Owner. Any unauthorized use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable regulations and statutes. Neither the Owner nor its affiliates warrant or represent that your use of Content, Services, Software or any other materials displayed on this Web Site will not infringe rights of third parties.
Trademarks and Service Marks – Certain trademarks, including "Chubb General Insurance Indonesia", "Chubb asia pacific", “Chubb insurance”, “Chubb Group”, "ESIS" and " West Chester ", are the registered trademarks or service marks of Chubb Limited or one of its subsidiaries. The domain name for this Web Site (www.chubbinsurance.co.id), the Chubb USA and Chubb General Insurance Indonesia logos, all page headers, custom graphics, and button icons are service marks, trademarks, logos, and/or trade dress of Chubb General Insurance Indonesia member companies or their affiliates. All other trademarks, service marks, trade dress, product names, company names or logos, whether registered or not, on the Web Site are the property of their respective owners. In addition to complying with all applicable laws, you agree that you will not use any such trademarks, service marks, trade dress, or other logos from this Web Site without the prior written authorization of the Owner.
Ownership of information submitted via this Web Site – With the exception of any personal data or information you submit, any information you transmit to Chubb General Insurance Indonesia via this Web Site, whether by direct entry, submission, electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of the Owner. Such information may be used for any purpose, including but not limited to reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting.
Chubb General Insurance Indonesia shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Owner via this Web Site or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.
Proprietary Software – Any Software accessible through this Web Site is the property of the Owner or its suppliers and is protected by Indonesian copyright laws and international treaties. Any use of the Software by you other than as required to navigate and to utilize the intended functionality offered through this Web Site is prohibited. You agree not to copy, distribute, publicly display, alter, modify, decompile, disassemble, reverse engineer or otherwise attempt to discover the source code of the Software. Further, you agree not to access the Services or Content by any means other than the interface provided by the Owner through this Web Site for your use in accessing the Services and Content. The Software provided on this Web Site is owned by or licensed to the Owner. You shall not copy, transfer or export such Software. The Owner does not authorize the downloading or exportation of any software or technical data from this Web Site.
Connection Requirements – You are responsible for providing and maintaining, at your own risk, option and expense, any hardware, software and communication lines required to access and use this Web Site, and the Owner reserves the right to change the access configuration of this Web Site at any time without prior notice.
Prohibited Use –Any use or attempted use of this Website (i) for any unlawful, unauthorized, fraudulent or malicious purpose, or (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or (iii) interfere with any other party's use and enjoyment of the Web Site, or (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, or (v) to access systems, data or information not intended by the Owner to be made accessible to a user, or (vi) attempt to obtain any materials or information through any means not intentionally made available by the Owner, or (vii) any use other than the business purpose for which it was intended, is prohibited.
In addition, in connection with your use of the Site, you agree you will not:
The Owner reserves the right to take whatever lawful actions it may deem appropriate in response to actual or suspected violations of the foregoing, including but not limited to the suspension or termination of the user's access and/or account. The Owner may cooperate with legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong. The Owner reserves the right at all times to disclose any information as the Owner deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in the Owner's sole discretion, unless expressly stated otherwise.
No Chubb General Insurance Indonesia Editorial Control of Third Party Content; No Statement as to Accuracy – To the extent that any of the Content included in the Web Site is provided by third party content providers, Chubb General Insurance Indonesia has no editorial control or responsibility over such Content. Therefore, any opinions, statements, services or other information expressed or made available by third party suppliers on this Web Site are those of such third party suppliers. The Owner does not represent or endorse the accuracy or reliability of any opinion, statement or other information provided by any third party, or represent or warrant that your use of the Content displayed on this Web Site or referenced content or service providers will not infringe rights of third parties not owned by or affiliated with Chubb General Insurance Indonesia member companies.
Modification to Services – The Owner may, at its discretion, modify or discontinue any of the Products and Services, Content or Software, or any portion thereof, with or without notice. Neither the Owner nor its affiliates will be liable to you or any third party for any modification or discontinuance of any of the Products and Services, Content or Software.
Disclaimer – Information contained on this Web Site has been prepared by the Owner as a convenience to its users and is not intended to constitute advice or recommendations upon which a user may rely. The Owner has used reasonable efforts in collecting, prep ari ng and providing quality information and material, but makes no warranty or guarantee about the accuracy, completeness, or adequacy of the information contained in or linked to this Web Site or any other web site maintained by the Owner. Users relying on information from this Web Site do so at their own risk.
The information and descriptions contained herein are not intended to be complete descriptions of the terms, exclusions and conditions applicable to the Products and Services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement for complete terms, exclusions and conditions. Should you purchase an Chubb General Insurance Indonesia product from the Owner, Chubb General Insurance Indonesia or a third party, the terms and conditions applicable to that transaction will govern such purchase, and your use of this Web Site does not affect that purchase in any manner.
This Web Site may provide you with planning and educational tools, including calculators. Such tools and calculators may allow you to model "what-if" scenarios, the results of which are illustrative and are based on the information and assumptions identified. There is no guarantee that the results shown are necessarily accurate or will be achieved. In addition, these tools and calculators are not part of any planning report for which you may have paid a fee, even if the tools and calculators include information derived from or contained in a report. YOUR USE OF THIS WEB SITE IS AT YOUR SOLE RISK. ALL CONTENT AND SOFTWARE ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS, AND THE OWNER EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THE OWNER MAKES NO WARRANTY THAT THE CONTENT AND SOFTWARE ARE ACCURATE, TIMELY, UNINTERRUPTED, VIRUS-FREE OR ERROR-FREE, OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED.
EXCEPT AS OTHERWISE EXPRESSLY REGULATED BY LAW AND TO THE EXTENT LEGALLY PERMITTED, YOU UNDERSTAND AND AGREE THAT THE OWNER WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF THE OWNER HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THE WEB SITE, SERVICES, CONTENT OR SOFTWARE, THE COST OF OBTAINING SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY LOSS OF DATA, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM PURCHASES OR TRANSACTIONS ENTERED INTO THROUGH THE WEB SITE, OR STATEMENT OR CONDUCT OF ANY THIRD PARTY, OR ANY OTHER MATTER RELATED TO THE WEB SITE, SERVICES, CONTENT OR SOFTWARE. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE WEB SITE IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE THE OWNER OR ITS AFFILIATES DIRECTLY OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THE WEB SITE.
Some jurisdictions do not permit the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages, therefore, some of the limitations above may not apply to you.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
When you visit this Web Site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Third Party Purchases Governed by Separate Agreement – The terms and conditions governing your purchase of any goods or services from any third party companies or financial institutions represented in this Web Site shall be governed by a separate agreement duly executed between you and the supplier of such goods or Services, including Chubb General Insurance Indonesia, as applicable.
Age and Location of User – All information and content available on this Web Site are solely directed to individuals 18 years of age or older residing in Indonesia . The Owner makes no representation that the Content, information, products, Services or Software are available for use outside of Indonesia . Any use of the Services, Content and Software is prohibited where they are not allowed by law.
This Web Site Contains A Binding Arbitration Provision Which May Be Enforced By The Parties
If you have been given the option to open an account on this Web Site which will provide you with access to password protected portions of the Web Site and you elect to do so, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form, and choose a password and user name. You are entirely responsible for maintaining the confidentiality of your password and account and for any and all activities that occur under your account. You agree to (a) immediately notify the Owner of any unauthorized use of your account or any other breach of security of which you become aware, and (b) exit completely from your account at the end of each online session. The Owner will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by the Owner or another party due to someone else using your account or password. You may not use anyone else's account at any time, without the permission of the account holder.