By using this CTOS website (“Website”) you agree to comply with and be bound by the terms and provisions set out below including the disclaimer and jurisdictional clause. Please read these carefully before proceeding and then print a copy for your own future reference. If you do not agree to these terms and conditions and the Privacy Policy, do not use this Website.

PERSONAL USE ONLY

You may make personal use of all of the information (“Information”) you access on this Website, but you may not take any of the Information and reformat and display it, or copy it onto your Website, and you may not store or migrate any of the Information or other data from this Website without CTOS’s express written permission or consent. By using this CTOS service (“Service, Services”), you agree not to sell, store, distribute, transmit, display, reproduce, modify, migrate, create derivative works from, or otherwise exploit any of the Information content or data related to any portion of the Service. You may print a copy of particular Information and use the Information for your personal, non-commercial use, but you may not otherwise reproduce any material appearing on this Website. If you want to make commercial use of the CTOS Information or Services, you must enter into an agreement with us to do so in advance.

MODIFICATIONS AND TERMINATION OF SERVICE

CTOS reserves the right at any time and from time to time to modify, update, suspend or discontinue all or part of the Service with or without notice to you. You agree that CTOS will not be liable to you for any modification, suspension or discontinuance of the Service. You agree that CTOS may, under some circumstances and without prior notice to you, terminate your use of and access to the Service. Some of the reasons for such termination may include, but not be limited to, (a) a breach or violation of the Terms and Conditions or other incorporated agreements or guidelines, (b) a request by law enforcement or another government agency, (c) our decision to discontinue or change all or part of the Service or how we choose to provide it, (d) technical or security issues or problems, and/or (e) fraudulent or illegal activities. All terminations will be made at CTOS’s sole discretion and you agree that CTOS will not be liable for any termination of your use of or access to the Service.

YOUR DEALINGS WITH THIS WEBSITE’S ADVERTISERS

Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Service, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. You acknowledge and agree that CTOS will not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Service.

LINKS TO OTHER WEBSITES

CTOS provides links to other Websites. You acknowledge and agree that, because CTOS has no control over such sites, we are not responsible for them or the resources and information they contain. In particular, we are not responsible for the availability of services related to another Website that has a link on this Website; we do not necessarily endorse such sites, and we are not responsible or liable for any content, advertising, products or other materials on or available from such sites. You further acknowledge and agree that CTOS will not be liable for any loss whatsoever for any damages caused by or incurred in connection with the use of or reliance on the information, goods or services available through any such site.

THIS WEBSITE’S PROPRIETARY RIGHTS

You acknowledge and agree that the Service and all materials on this Website contain proprietary and confidential information that is protected by applicable copyright, trademark and other intellectual property laws (CTOS’s “Proprietary Information”). All materials on this Website, including such Proprietary Information, may only be used for personal, non-commercial purposes, and you agree not to sell, transfer, reproduce, duplicate, distribute, publish, modify, migrate, store, copy or transmit any material from this Website unless and until you have obtained our prior written consent. The Proprietary Information covered by this prohibition includes, without limitation, the software programming and HTML and other codes contained in the Website, Vehicle Values, Claims History information, compilations of Policy data, any text, graphics, logos, photographs from material available on this Website.

NO ILLEGAL USE

As a condition of your use of and access to this Website, you agree not to use the Services for any unlawful purpose or in any way that violates these Terms & Conditions as well as any applicable Malaysian Law currently in force. You also agree not to use the Services in any way that could damage, disable, overburden, or impair the Website or any CTOS server, or the associated networks, or interfere with any other party’s use and enjoyment of any Services.

DISCLAIMER OF WARRANTIES:

You expressly understand and agree that:

• Your use of the service is at your sole risk. CTOS provides the service to you on an “as is” and “as available” basis. CTOS and its owners, shareholders, subsidiaries, affiliates, officers, employees, agents, partners and licensors expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.
• CTOS and its owners, shareholders, subsidiaries, affiliates, officers, employees, agents, partners and licensors make no warranty that:
  1. the service will meet your requirements;
  2. the service will be uninterrupted, timely, secure or error-free;
  3. the results that may be obtained from the use of the service will be accurate or reliable;
  4. the quality of any products, services, information or other material accessed, purchased or obtained by you through the service will meet your expectations;
  5. any errors will be corrected.
• All material and information obtained through the use of the service is accessed at your own discretion and risk, and you will be solely responsible for any damage to your computer system or loss of data that results from the accessing of any such material.
• No advice or information, whether oral or written, obtained by you from this Website or its affiliates or partners through or from the service shall create any warranty whatsoever.

LIMITATION OF LIABILITY

CTOS may occasionally update or change these Terms & Conditions, so we encourage you to review them often. Your continued use of the Service constitutes your agreement to these Terms & Conditions and any updates.

CHARGES

You will pay us our charges for any CTOS reports at our current levels which may change from time to time, by credit card or any other payment method we accept (details of which are available at the Website), before we send you the Information.

NO REFUND POLICY

All transaction made are final and no refund, exchange or cancellation will be considered. You must agree to these conditions when a purchase is made. Please ensure all details are correct at the time of purchase so no problems arise.