Terms of Service

PLEASE READ THESE TERMS OF USE ("AGREEMENT" OR "TERMS OF USE") CAREFULLY BEFORE USING THE WEBSITE, MOBILE APPLICATIONS AND SERVICES OFFERED BY MYPOLICY AND ITS SUBSIDIARIES (COLLECTIVELY REFERRED TO AS "MYPOLICY"). THIS AGREEMENT SETS FORTH THE LEGALLY BINDING TERMS AND CONDITIONS FOR YOUR USE OF THE WEBSITES AT WWW.MYPOLICYAPP.COM, (THE "SITES”), MOBILE APPLICATIONS AND SERVICES PROVIDED BY INTROVERT SALES (COLLECTIVELY, THE “SERVICES”).

By using the Sites in any manner, including but not limited to visiting or browsing the Site, you (the “User" or “You") agree to be bound by this Agreement, including those additional terms and conditions and policies referenced herein and/or available by hyperlink. This Agreement applies to all users of the Sites, including without limitation users who are vendors, customers, merchants, contributors of content, information and other materials or services on the Site.

1. Membership Eligibility

Age: myPolicy's services are available only to, and may only be used by, individuals who are 18 years and older who can form legally binding contracts under applicable law. You represent and warrant that you are at least 18 years old and that all registration information you submit is accurate and truthful. myPolicy may, in its sole discretion, refuse to offer access to or use of the Sites to any person or entity and change its eligibility criteria at any time. This provision is void where prohibited by law and the right to access the Sites is revoked in such jurisdictions.

Individuals under the age of 18 must at all times use myPolicy's services only in conjunction with and under the supervision of a parent or legal guardian who is at least 18 years of age. In this all cases, the adult is the user and is responsible for any and all activities.

Compliance: You agree to comply with all local laws regarding online conduct and acceptable content. You are responsible for all applicable taxes. In addition, you must abide by myPolicy's policies as stated in the Agreement and the myPolicy policy documents listed below (if applicable to your activities on or use of the Site) as well as all other operating rules, policies and procedures that may be published from time to time on the Site by myPolicy, each of which is incorporated herein by reference and each of which may be updated by myPolicy from time to time without notice to you:

In addition, some services offered through the Sites may be subject to additional terms and conditions promulgated by myPolicy from time to time; your use of such services is subject to those additional terms and conditions, which are incorporated into this Agreement by this reference.

Password: Keep your password secure. You are fully responsible for all activity, liability and damage resulting from your failure to maintain password confidentiality. You agree to immediately notify myPolicy of any unauthorized use of your password or any breach of security. You also agree that myPolicy cannot and will not be liable for any loss or damage arising from your failure to keep your password secure. You agree not to provide your username and password information in combination to any other party other than myPolicy without myPolicy's express written permission.

Account Information: You must keep your account information up-to-date and accurate at all times, including a valid email address.

Account Transfer: You may not transfer or sell your myPolicy account and User ID to another party. If you are registering as a business entity, you personally guarantee that you have the authority to bind the entity to this Agreement.

Right to Refuse Service: myPolicy's services are not available to temporarily or indefinitely suspended myPolicy members. myPolicy reserves the right, in myPolicy's sole discretion, to cancel unconfirmed or inactive accounts. myPolicy reserves the right to refuse service to anyone, for any reason, at any time.

2. Prohibited, Questionable and Infringing Items and Activities

You are solely responsible for your conduct and activities on and regarding to myPolicy and any and all data, text, information, usernames, graphics, images, photographs, profiles, audio, video, items, and links (together, "Content") that you submit, post, and display on myPolicy.

Restricted Activities:

Your Content and your use of myPolicy shall not:

3. Content

License: myPolicy does not claim ownership rights in your Content. You grant myPolicy a license solely to enable myPolicy to use any information or Content you supply myPolicy with, so that myPolicy is not violating any rights you might have in that Content. You grant myPolicy a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sublicensable (through multiple tiers) right to exercise the copyright, publicity, and database rights (but no other rights) you have in the Content, in any media now known or not currently known, with respect to your Content. You agree to allow myPolicy to store or re-format your Content on myPolicy and display your Content on myPolicy in any way as myPolicy chooses. myPolicy will only use personal information in accordance with myPolicy's Privacy Policy.

As part of a transaction, you may obtain personal information, including email address, mobile phone number, and address information, from another myPolicy user. Without obtaining prior permission from the other user, this personal information shall only be used for that transaction or for myPolicy-related communications. myPolicy has not granted you a license to use the information for unsolicited commercial messages, or to disseminate such information on any public platform, including myPolicy. Without limiting the foregoing, without express consent from the user, you are not licensed to add any myPolicy user to your email or physical mail list. For more information, see myPolicy's Privacy Policy.

Re-Posting Content: By posting Content on myPolicy, it is possible for an outside website or a third party to re-post that Content. You agree to hold myPolicy harmless for any dispute concerning this use. If you choose to display your own myPolicy-hosted image on another website, the image must provide a link back to its listing page on myPolicy.

Idea Submissions: myPolicy considers any unsolicited suggestions, ideas, proposals or other material submitted to it by users via the Site or otherwise (other than the Content and the tangible items sold on the Site by users) (collectively, the "Material") to be non-confidential and non-proprietary, and myPolicy shall not be liable for the disclosure or use of such Material. If, at myPolicy's request, any member sends Material to improve the site (for example to customer support), myPolicy will also consider that Material to be non-confidential and non-proprietary and myPolicy will not be liable for use or disclosure of the Material. Any communication by you to myPolicy is subject to this Agreement. You hereby grant and agree to grant myPolicy, under all of your rights in the Material, a worldwide, non-exclusive, perpetual, irrevocable, royalty-free, fully-paid, sublicensable and transferable right and license to incorporate, use, publish and exploit such Material for any purpose whatsoever, commercial or otherwise, including but not limited to incorporating it in the API, documentation, or any product or service, without compensation or accounting to you and without further recourse by you.

4. Information Control

myPolicy does not control the Content provided by users that is made available on myPolicy and, as such, does not guarantee the accuracy, integrity or quality of such Content. You may find some Content to be offensive, harmful, inaccurate, or deceptive. There are also risks of dealing with underage persons or people acting under false pretense.

You acknowledge that myPolicy may or may not pre-screen Content, but that myPolicy and its designess shall have the right (but not the obligation) in their sole discretion to pre-screen, refuse, delete or move any Content that is available on the Sites. Without limiting the foregoing, myPolicy and its designees shall have the right to remove any Content (i) that violates these Terms of Service; (ii) if we receive a complaint from another User; (iii) if twe receive a notice of intellectual property infringement or other legal instruction for removal; or (iv) if such Content is otherwise objectionable. We may also block delivery of a communication (including, without limitation, feedback, postings, messages and/or chats) to or from the Services as part of our effort to protect the Services or our Users, or otherwise enforce the provisions of these Terms and Conditions.

You acknowledge, and consent to and agree that myPolicy may access, preserve and disclose your account information and Content if required to do so by law or pursuant to an order of a court or by any governmental or regulatory authority having jurisdiction over myPolicy or in a good faith belief that such access preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce these Terms of Service; © respond to claims that any Content violates the rights of third parties; or (d) protect the rights, property or personal safety of myPolicy, its users and/or the public.

Additionally, there may also be risks dealing with international trade and foreign nationals. By using myPolicy, you agree to accept such risks and that to the maximum extent permitted by applicable law, myPolicy (and myPolicy's officers, directors, agents, subsidiaries, joint ventures, creators and employees), under no circumstances, will be liable in any wayfor any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of the use of, or reliance on, any Content posted, emailed transmitted or otherwise made available on the Sites, or any  acts or omissions of users on myPolicy. Please use caution, common sense, and practice safe buying and selling when using myPolicy.

Other Resources: myPolicy is not responsible for the availability of outside websites or resources linked to or referenced on the Site. myPolicy does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such websites or resources. You agree that myPolicy shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such websites or resources.

5. Resolution of Disputes and Release

Disputes with myPolicy: In the event a dispute arises between you and myPolicy, please contact myPolicy. Any dispute arising from or relating to the subject matter of this Agreement shall be finally settled by arbitration in Singapore, using the English language in accordance with the Arbitration Rules and Procedures of Judicial Arbitration and Mediation Services, Inc. ("JAMS") then in effect, by one commercial arbitrator with substantial experience in resolving intellectual property and commercial contract disputes, who shall be selected from the appropriate list of JAMS arbitrators in accordance with the Arbitration Rules and Procedures of JAMS. The prevailing party in any arbitration or other proceeding arising under this Agreement shall be entitled to receive reimbursement of its reasonable expenses (including reasonable solicitors' fees, expert witness fees and all other expenses) incurred in connection therewith. Judgment upon the award so rendered may be entered in a court having jurisdiction or application may be made to such court for judicial acceptance of any award and an order of enforcement, as the case may be. Notwithstanding the foregoing, each party shall have the right to institute an action in a court of proper jurisdiction for injunctive or other equitable relief pending a final decision by the arbitrator. For all purposes of this Agreement, the parties consent to exclusive jurisdiction and venue in the courts located in Singapore. Use of the Site is not authorized in any jurisdiction that does not give effect to all provisions of the Agreement, including without limitation, this section. You and myPolicy agree that any cause of action arising out of or related to the Site (including, but not limited to, any services provided or made available therein) or this Agreement must commence within one (1) year after the cause of action arose; otherwise, such cause of action is permanently barred.

Disputes with Users or Third Parties: In the event a dispute arises between you and another, myPolicy encourages you to contact the user or third party to resolve the dispute amicably.

Should you be unable to resolve a dispute between you and another arising from a transaction on myPolicy, please contact myPolicy at support@mypolicyapp.com. myPolicy, for the benefit of users, may try to help users resolve disputes. myPolicy does so in myPolicy's sole discretion, and myPolicy has no obligation to resolve disputes between users or between users and outside parties. To the extent that myPolicy attempts to resolve a dispute, myPolicy will do so in good faith based solely on myPolicy's policies. myPolicy will not make judgments regarding legal issues or claims.

Should you have a dispute with one or more users, or an outside party, you release myPolicy (and myPolicy's officers, directors, agents, subsidiaries, joint ventures, creators and employees) from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes. myPolicy encourages users to report user-to-user disputes to your local law enforcement, postmaster general, or a certified mediation or arbitration entity, as applicable.

6. myPolicy's Intellectual Property

MYPOLICY, and other myPolicy graphics, logos, designs, page headers, button icons, scripts, and service names are registered trademarks, trademarks or trade dress of myPolicy in Singapore and/or other countries. myPolicy's trademarks and trade dress may not be used, including as part of trademarks and/or as part of domain names or email addresses, in connection with any product or service in any manner that is likely to cause confusion.

7. Access and Interference

myPolicy may contain robot exclusion headers which contain internal rules for software usage. Much of the information on myPolicy is updated on a real-time basis and is proprietary or is licensed to myPolicy by myPolicy's users or third-parties. You agree that you will not engage in Automated Data Collection for any purpose whatsoever without myPolicy's prior express written permission. Additionally, you agree that you will not:

8. Breach

Without limiting any other remedies, myPolicy may, without notice, delay or immediately remove Content, warn myPolicy's community of a user's actions, issue a warning to a user, temporarily suspend a user, temporarily or indefinitely suspend a user's account privileges, terminate a user's account, prohibit access to the Site, and take technical and legal steps to keep a user off the Site and refuse to provide services to a user if any of the following apply:

myPolicy suspects (by information, investigation, conviction, settlement, insurance or escrow investigation, or otherwise) a user has breached this Agreement, the Privacy Policy, or other policy documents and community guidelines incorporated herein; myPolicy is unable to verify or authenticate any of your personal information or Content; or myPolicy believes that a user is acting inconsistently with the letter or spirit of myPolicy's policies, has engaged in improper or fraudulent activity in connection with myPolicy or the actions may cause legal liability or financial loss to myPolicy's users or to myPolicy.

9. Privacy

Your privacy is very important to us at myPolicy. To better protect your rights, we have provided the myPolicy to explain our privacy practices in detail. Please review the Privacy Policy to understand how myPolicy collects and uses the information associated with your Account an/or your use of the Services. By using the Services or providing information on the Site, you consent to myPolicy’s collection, use, disclosure and/or processing of your Content and personal data as described in the Privacy Policy.

Except as provided in myPolicy's Privacy Policy, myPolicy will not sell or disclose your personal information (as defined in the Privacy Policy) to third parties without your explicit consent. myPolicy stores and processes Content on computers that are protected by physical as well as technological security.

Users in possession of another user’s personal data through the user of the Services (the “Receiving Party”) hereby agree that, they will (i) comply with all applicable personal data protection laws with respect to any such data; (ii) allow the User whose personal data the Receiving Party has collected (the “Disclosing Party”) to remove his or her data so collected from the Receiving Party’s database; and (iii) allow the Disclosing Party to review what information has been collected about them by the Receiving Party, in each case of (ii) and (iii) above, in compliance with and where required by applicable laws.

10. No Warranty

MYPOLICY, MYPOLICY'S SUBSIDIARIES, OFFICERS, DIRECTORS, CREATORS, EMPLOYEES, AND MYPOLICY'S SUPPLIERS PROVIDE MYPOLICY'S WEB SITE AND SERVICES "AS IS" AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. MYPOLICY, MYPOLICY'S SUBSIDIARIES, OFFICERS, DIRECTORS, CREATORS, EMPLOYEES AND MYPOLICY'S SUPPLIERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, PERFORMANCE, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. IN ADDITION, NO ADVICE OR INFORMATION (ORAL OR WRITTEN) OBTAINED BY YOU FROM MYPOLICY SHALL CREATE ANY WARRANTY. YOU ACKNOWLEDGE THAT THE ENTIRE RISK ARISING OUT OF THE USE OR PERFORMANCE OF THE SITE AND/OR THE SERVICES REMAINS WITH YOU TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

11. Liability Limit

IN NO EVENT SHALL MYPOLICY, AND (AS APPLICABLE) MYPOLICY'S SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES OR MYPOLICY'S SUPPLIERS BE LIABLE FOR ANY DAMAGES WHATSOEVER, WHETHER DIRECT, INDIRECT, GENERAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, AND/OR INCIDENTAL, ARISING OUT OF OR RELATING TO THE CONDUCT OF YOU OR ANYONE ELSE IN CONNECTION WITH THE USE OF THE SITE, MYPOLICY'S SERVICES, OR THIS AGREEMENT, INCLUDING WITHOUT LIMITATION, LOST PROFITS, BODILY INJURY, EMOTIONAL DISTRESS, OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES.

YOU ACKNOWLEDGE AND AGREE THAT YOUR ONLY RIHGT WITH RESPECT TO ANY PROBLEMS OR DISSATISFACTION WITH THE SERVICES IS TO REQUEST FOR TERMINATION OF YOUR ACCOUNT AND/OR DISCONTINUE ANY USE OF THE SERVICES.

IF, NOTWITHSTANDING THE PREVIOUS SECTIONS, MYPOLICY IS FOUND BY A COURT OF COMPETENT JURISDICTION TO BE LIABLE (INCLUDING FOR GROSS NEGLIGENCE), THEN, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MYPOLICY'S LIABILITY, AND (AS APPLICABLE) THE LIABILITY OF MYPOLICY'S SUBSIDIARIES, OFFICERS, DIRECTORS, CREATORS, EMPLOYEES, AND SUPPLIERS, TO YOU OR ANY THIRD PARTIES IS LIMITED TO $1.

12. Indemnity

YOU AGREE TO INDEMNIFY AND HOLD MYPOLICY AND (AS APPLICABLE) MYPOLICY'S PARENT, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, AGENTS, CREATORS AND EMPLOYEES, HARMLESS FROM ANY CLAIM OR DEMAND, INCLUDING REASONABLE SOLICITORS' FEES, MADE BY ANY THIRD PARTY DUE TO OR ARISING OUT OF YOUR BREACH OF THIS AGREEMENT OR THE DOCUMENTS IT INCORPORATES BY REFERENCE, OR YOUR VIOLATION OF ANY LAW OR THE RIGHTS OF A THIRD PARTY.

13. No Guarantee

myPolicy does not guarantee continuous, uninterrupted access to the Site, and operation of the Site may be interfered with by numerous factors outside myPolicy's control.

14. Legal Compliance; Taxes

You shall comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of the Sites and any myPolicy service and, if applicable, your listing, purchase, solicitation of offers to purchase, and sale of items. In addition, you shall be responsible for paying any and all taxes applicable to any purchases or sales of items you make on the Sites (excluding any taxes on myPolicy's net income).

15. Severability

If any provision of this Agreement is held unenforceable, then such provision will be modified to reflect the parties' intention. All remaining provisions of this Agreement shall remain in full force and effect.

16. No Agency

You and myPolicy are independent contractors, and no agency, partnership, joint venture, employee-employer or franchiser-franchisee relationship is intended or created by this Agreement.

17. myPolicy Service

myPolicy reserves the right to modify or terminate the myPolicy service for any reason, without notice, at any time. myPolicy reserves the right to alter these Terms of Use or other Site policies at any time, so please review the policies frequently. If myPolicy makes a material change myPolicy will notify you here, by email, by means of a notice on our home page, or other places myPolicy deems appropriate. What constitutes a "material change" will be determined at myPolicy's sole discretion, in good faith, and using common sense and reasonable judgment.

18. Choice of Law

This Agreement shall in all respects be interpreted and construed with and by the laws of Singapore.

19. Notices

Except as explicitly stated otherwise, any notices shall be given by electronic mail to team@mypolicyapp.com (in the case of myPolicy) or, in your case, to the email address you provide to myPolicy (either during the registration process or when your email address changes). Notice shall be deemed given 24 hours after email is sent, unless the sending party is notified that the email address is invalid. Alternatively, myPolicy may give you notice by certified mail, postage prepaid and return receipt requested, to the address provided to myPolicy. In such case, notice shall be deemed given three days after the date of mailing.

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Effective Date: Aug 31, 2015

Updated: Aug 31, 2015

myPolicy reserves the right to alter these policies at any time. Your continued use of the Sites and Services after such changes have been posted shall constitute your acceptance of such revised Terms of Service.