Terms of Use
In this Agreement, "You", "User" and "Your" mean the one accessing Our services. "We", "Us", "Our" and "Carro" mean Carro Digital Sdn. Bhd. [Registration No.: 201801015504 (1277520-H)] and the group of companies comprising Carro Digital Sdn. Bhd., each and any holding companies, parent companies, subsidiaries, associated companies, related companies and any entity directly or indirectly affiliated with Carro Digital Sdn. Bhd. from time to time.
1. Use Conditions
1.1. These Terms and Conditions ("Terms") set out the basis and extent of Your access to and use of the application, website, products and/or services ("Services") provided by Us, in relation to each and every contract of insurance, takaful policies and/or takaful certificates and the related documentations which We arrange on Your behalf.
1.2. You hereby indicate Your acceptance to the Terms by using and/or gaining access to Our Services. You hereby expressly authorize Us to share Your personal data with Your chosen Insurer (as defined hereinafter) and My Roadtax Store Sdn. Bhd. ("Partner") as stated in table below. You further agree and consent to Our Privacy Notice, Your chosen Insurer's and the Partner's privacy notice and acknowledge that the copy of Your personal data will be used, processed, transferred and/or treated in accordance with the privacy notice of Carro, the Insurer and the Partner.
1.3. You acknowledge that once Your personal data is shared with the Insurer and the Partner, the Insurer and the Partner shall have sole and full control on the copy of Your personal data and that You are required to contact the Insurer and/or the Partner for any matters in relation to it.
1.4. Carro is hereby released from all obligations and responsibilities towards the copy of Your personal data which is shared with Your chosen Insurer and/or the Partner. Before using or gaining access to Our Services, You are strongly advised to read and comprehend the Terms.
1.5. You may withdraw Your consent to Carro collecting, using and processing any personal data of yours or to any part or portion of the same at any time by submitting Your request to our Legal Department at [email protected]. However, Carro has the right to refuse Your requests to access and/or make any correction to and/or limit the processing of Your personal data for the reasons permitted under law, such as where the expense of providing access to You is disproportionate to the risks to Your privacy. Your withdrawal of consent may result in services by Carro, the Insurer and/or the Partner being declined, refused, or inaccessible. Kindly note that such withdrawal of consent will not affect the personal data previously shared by You, and You will need to directly contact the Insurer and/or the Partner.
2. Underwriting
2.1. Your insurance and/or takaful policy is underwritten by the Insurer. The list of the Insurer and the agency is as below respectively:
| No. | Insurer | Agency |
|---|---|---|
| 1 | Zurich General Takaful Malaysia Berhad | Carro Digital Sdn. Bhd. |
| 2 | MSIG Insurance (Malaysia) Bhd | Carro Digital Sdn. Bhd. |
| 3 | Allianz General Insurance Company | Carro Digital Sdn. Bhd. |
| 4 | Syarikat Takaful Malaysia Am Berhad | Carro Digital Sdn. Bhd. |
2.2. We reserve the right to vary the list of the Insurer and the agency stated above from time to time.
3. Insurance and/or Takaful Quotes and Coverages
3.1. Quotations displayed on Our Services from the insurance, takaful companies and/or agencies (collectively referred as "Insurer") depend on the data You provide and are not a contract, binder, agreement to extend insurance and/or takaful coverage. Any inclusion and/or portrayals accessible on Our Services from the Insurer are general descriptions of the available coverages and are not a binding statement of contract.
3.2. If You elect to file an insurance and/or takaful claim, You shall contact the Insurer for the claim submission. The claim is subject to the Insurer's review and approval.
4. Limitation of Liability
4.1. While every reasonable effort is made to ensure that the information on Our Services is accurate and up to date, faults and/or omissions may occasionally occur. To the fullest extent permitted by laws We disclaim all warranties and representations of accuracy, timeliness, correctness, completeness, security, non-infringement, fitness for purpose, merchantability and/or applicability of Our Services for any purpose and all conditions, warranties and/or other terms which might otherwise be implied by any applicable laws, statute, common law and/or the law of equity. We shall not be liable to You for any: (1) direct, indirect, incidental, consequential, punitive and/or special damages whatsoever; and (2) loss of profits, loss of business, loss of opportunity and loss of goodwill, arising out of or in connection with the Terms.
4.2. You specifically acknowledge and accept that Your use and purchase of Our Services are all done at Your own risk. Our Services are provided on an "as is where is" basis.
4.3. All applications are between the User and the Insurer. We do not guarantee the availability of any insurance, takaful policies and/or takaful certificates of any Insurer.
4.4. Any insurance, takaful policies and/or takaful certificates are subject to the terms and conditions of the Insurer and You agree to comply with and be bound by the same. We shall not be liable for any dispute or complaint between the User and the Insurer.
5. Indemnification
You hereby irrevocably agree to be liable for and to indemnify and keep Us, Our directors, officers, agents, dealers, employees, shareholders, partners, representatives, holding companies, parent companies, subsidiaries, associated companies, related companies and any entity directly or indirectly affiliated with Us and/or any other related parties indemnified from any and all liability, claim, demand, obligation, cause of action, accusation, allegation, order, violation, damage, loss, cost, expense, injury, judgement, penalty and/or fine relating to or resulting from:
- (a) Your use or misuse of Our Services;
- (b) Your breach of the Terms howsoever occasioned;
- (c) any intellectual property right or proprietary right infringement claim made by a third party against Us in connection with Your use or misuse of Our Services; and/or
- (d) Your negligent, act, default, omission, breach and/or fraudulent acts.
6. Governing Law and Jurisdiction
The Terms and any disputes or claim arising out of or related to them shall be governed by the laws of Malaysia. You consent to submit to the exclusive jurisdiction of the Malaysian courts. The validity and enforceability of the other Terms shall not be affected if any provision of these disclaimers and exclusions may be illegal, invalid and/or for any reason unenforceable.
7. Amendments & Variation
We retain the right to amend, revise and/or update the Terms and Our Privacy Notice at any time and as determined solely by Us which shall be effective immediately. It shall be Your responsibility to monitor for such modification, updates and amendments. By continuing Our Services, You are deemed to have accepted and consented to the amendments, revisions and updates of the Terms and Our Privacy Notice.