General Terms

Eligibility for Services

To qualify for InsNewli’s retiree insurance services, users must be residents of Singapore aged 55 or above with valid identification as required by law.

Insurance offerings are specifically intended for individuals aged 55 years and older; younger applicants may be subject to different terms.

Users must utilize our services lawfully and not engage in activities prohibited by Singaporean law or these terms.

Services are limited to residents in Singapore due to regulatory and operational constraints; use outside the country may be restricted.

Account Creation and Maintenance

Account registration is necessary to access personalized insurance service features and communications provided by InsNewli.

You agree to provide truthful and accurate information during registration and keep your account details updated.

Users are responsible for maintaining confidentiality of account credentials and immediately reporting unauthorized access.

Accounts are non-transferable and intended for sole use by the registered user only.

Notify InsNewli promptly if you suspect your account has been compromised to mitigate potential risks.

Accounts may be suspended or terminated if terms are violated or suspicious activities are detected.

Description of Services

InsNewli provides insurance services tailored to address the specific needs of retirees, including health, life, and property coverage options.

We reserve the right to update or discontinue any part of our services with prior notice where feasible.

Service availability may vary and is subject to periodic maintenance or unforeseen interruptions.

User Conduct Rules

Users agree to abide by the following conduct rules to ensure a safe and respectful environment:

• Do not use services for fraudulent or illegal purposes.
• Respect intellectual property rights of InsNewli and third parties.
• Avoid transmitting harmful or malicious content.
• Do not attempt to interfere with the operation or security of services.
• Provide truthful information during all interactions.
• Refrain from harassment or abusive behavior.
• Comply with all applicable laws and these terms.

User-Generated Content

Users may submit content as part of insurance applications or feedback, subject to the following terms:

You retain ownership of your content but grant InsNewli a license to use it for service provision and improvement.

The license granted is non-exclusive, royalty-free, and worldwide, limited to necessary use of the content.

You are responsible for the legality and accuracy of content you provide and indemnify InsNewli against misuse claims.

InsNewli reserves the right to remove content that violates terms or is inappropriate at its discretion.

Intellectual Property Rights

All intellectual property rights in InsNewli’s services and content are owned or licensed by us and protected by applicable laws.

• You may not copy, modify, or distribute content without permission.
• Use of InsNewli activity is prohibited without prior authorization.
• Reverse engineering or unauthorized access attempts are strictly forbidden.

Paid Services Information

Certain services provided by InsNewli may require payment, detailed as follows:

Prices are as listed on our website and are subject to change with notice.

Payments must be made via approved methods and completed before service delivery.

Subscription services renew automatically unless cancelled in accordance with our cancellation policy.

Refunds are handled case by case, generally not provided after service usage commences.

Users may cancel paid services by contacting InsNewli within specified timeframes.

Applicable taxes are the responsibility of the user and added during payment processing.

InsNewli reserves the right to modify pricing with prior communication to users.

Non-payment may result in suspension or termination of services until resolved.

Disclaimers

InsNewli provides services on an ‘as is’ basis without warranties regarding performance or outcomes.

Limitations of Liability

Liability is limited to direct damages and excludes indirect, incidental, or consequential losses.

Third-Party Interactions

We are not liable for services or content provided by third parties encountered through InsNewli.

Termination of Service

Either party may terminate service agreements subject to the specified terms and conditions.

Termination will revoke access rights and may affect service continuity or data availability.

Privacy Policy Reference

Our privacy policy governs the collection and use of personal data encountered as part of our services.

Communication Preferences

Communication preferences can be managed by users and are used in accordance with applicable data protection laws.

Modifications to Terms

Terms may be updated periodically; continued use signifies acceptance of updated terms.

Governing Law

These terms are governed by the laws of Singapore, respecting regulations relevant to insurance and data protection.

Dispute Resolution

Disputes will be resolved through good faith negotiations, with escalation to Singapore courts if necessary.