Legal Information

Last updated: 23 September 2026.

Identity of the Website Operator and Its Role

variabzo operates this commercial website as a provider of insurance finance products and services in Malaysia. The operator acts as the principal entity responsible for the content, offerings, and user interactions on the site. As an insurance company engaged in general insurance business, variabzo facilitates the underwriting, distribution, and management of insurance policies, including related financial advisory and protection solutions tailored to Malaysian consumers and businesses. The role encompasses compliance with regulatory standards set by Bank Negara Malaysia (BNM) and other authorities to ensure fair treatment of customers and transparent operations in the insurance finance sector.

Legal Form, Registration Details, Tax Identifiers, Licences, and Responsible Representatives

variabzo is incorporated as a public limited company (Berhad) under the Companies Act 2016. Key non-contact legal identifiers include the following, which must be prominently displayed for compliance with Malaysian law and to meet platform moderation standards such as those of Taboola:

Company Registration Number: 197001000276 (9557-T)

Tax Identification Number: C 862003020

SST Registration Number: W10-1808-31009769

Malaysian Standard Industrial Classification (MSIC): 65121

PIDM Insurer Member: Yes, under the Takaful and Insurance Protection Scheme (TIPS) administered by Perbadanan Insurans Deposit Malaysia (PIDM).

BNM Licence: Licensed by Bank Negara Malaysia to conduct general insurance business pursuant to the Financial Services Act 2013.

These details are derived from official records of the Companies Commission of Malaysia (SSM) and BNM. Responsible representatives, such as directors and principal officers, are appointed in accordance with BNM's fit and proper requirements and corporate governance standards. The company maintains board charters and constitutions aligned with the Companies Act 2016 and BNM guidelines on corporate governance for insurers. Failure to display the company name and registration number on websites can result in penalties up to RM50,000 or imprisonment under Section 30(2)(b) of the Companies Act 2016. Tax identifiers support compliance with the Income Tax Act 1967 and Service Tax regulations administered by the Royal Malaysian Customs Department.

Registered Office and Available Contact Details

The registered office and principal place of business is located at the address provided through the enabled contact components. Available contact details are handled exclusively via the supported placeholders as per the CONTACT COMPONENT POLICY: Registered Office: Level 29, Menara Allianz Sentral, 203 Jalan Tun Sambanthan, Kuala Lumpur Sentral, 50470 Kuala Lumpur. For general enquiries, use Email: [email protected]. For telephone enquiries, use Phone: 1-300-22-5542. A dedicated Contacts page on this website provides a contact form for visitor submissions. All contact information for the operator is presented only through these exact placeholders to maintain policy compliance. The site also features a site-wide cookie banner for consent management.

Purpose, Scope, and Intended Audience of the Website

This website serves as a platform for variabzo to provide information on insurance finance products, including general insurance policies, takaful options where applicable, risk management solutions, and related financial protection services. The scope covers product descriptions, policy overviews, educational content through the enabled blog, and tools for users to explore coverage options. The intended audience includes Malaysian residents, businesses, and consumers seeking insurance solutions, as well as intermediaries and partners in the insurance finance ecosystem. Content is designed for users aged 18 and above, aligning with BNM requirements on fair treatment and avoiding targeting of minors. The site operates in English as the primary language, with references to Malaysian regulatory frameworks to ensure accessibility and compliance with the Electronic Commerce Act 2006 and Consumer Protection Act 1999.

Rules for Access to and Acceptable Use of the Website

Access to this website is granted subject to acceptance of the Terms and Conditions. Users must be at least 18 years of age and capable of entering into binding contracts under Malaysian law. Prohibited activities include any form of unauthorised access, data scraping, distribution of malware, infringement of intellectual property, or use of the site for illegal purposes such as money laundering or fraud, which are strictly enforced under the Financial Services Act 2013 and Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001. Acceptable use is limited to personal, non-commercial browsing and legitimate enquiries about insurance products. The operator reserves the right to restrict access or terminate sessions for violations. The site includes a cookie banner requiring consent for non-essential cookies in line with ePrivacy considerations under Malaysian data protection norms.

Ownership and Permitted Use of Website Content, Trademarks, and Other Intellectual Property

All content on this website, including text, images, graphics, logos, and blog articles, is the exclusive property of variabzo or its licensors. Trademarks such as the company name and any associated branding are protected under the Trade Marks Act 1976. Users may view content for personal, non-commercial purposes only. Reproduction, modification, distribution, or commercial exploitation without prior written consent is prohibited. Third-party trademarks appearing on the site remain the property of their respective owners. Any permitted use must include appropriate attribution and must not imply endorsement by the operator. Violations may lead to legal action under copyright and trademark laws of Malaysia.

Accuracy, Availability, and Proportionate Limitations of Liability

While variabzo endeavours to ensure the accuracy and currency of information on this website, no warranty is given regarding completeness, reliability, or suitability for any particular purpose. Information is provided for general guidance and does not constitute professional advice; users should verify details directly with the operator or seek independent counsel. The website is provided on an "as is" and "as available" basis without guarantees of uninterrupted access or error-free operation. To the maximum extent permitted by law, including the Contracts Act 1950 and Consumer Protection Act 1999, the operator's liability for any direct, indirect, incidental, or consequential damages arising from use of the site or reliance on its content is limited to the extent proportionate to the circumstances, excluding liability for death or personal injury caused by negligence. Insurance products are subject to specific policy terms, exclusions, and underwriting criteria regulated by BNM.

External Links and Third-Party Content

This website may contain links to external sites or references to third-party content for user convenience, such as regulatory bodies like BNM or PIDM. The operator does not endorse, control, or assume responsibility for the accuracy, content, or practices of any linked third-party websites. Users access such links at their own risk. Third-party content, including any embedded materials or references in the blog, is subject to the same intellectual property rules and must comply with applicable Malaysian laws on defamation, consumer protection, and data privacy.

Cross-References to Other Policies

Users are directed to review the following policies available on this website for comprehensive details: Privacy Policy (covering personal data processing under the Personal Data Protection Act 2010), Cookie Policy (detailing consent mechanisms and cookie usage), Terms and Conditions (governing contractual relationships and acceptable use), and Payment and Refund Policy (outlining transaction processes, cancellations, and refunds for insurance premiums in accordance with BNM guidelines on claims and cooling-off periods). These documents form an integral part of the legal framework governing interactions with the site.

Applicable Law, Competent Courts, and Consumer Dispute Rights

This legal information page and the website are governed by the laws of Malaysia, including the Companies Act 2016, Financial Services Act 2013, Personal Data Protection Act 2010, Consumer Protection Act 1999, Electronic Commerce Act 2006, and Contracts Act 1950. Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the courts of Malaysia. For insurance-related complaints, consumers have rights to escalate matters through internal complaint handling units, followed by the Financial Markets Ombudsman Service (FMOS) or BNM's BNMLINK service as appropriate. PIDM provides protection for eligible insurance benefits under TIPS in the event of insurer insolvency. The operator is committed to fair resolution of disputes in line with BNM's requirements on complaints handling and customer fair treatment.

Contact Route, Changes, and Last-Updated Date

For enquiries regarding this legal information or the website's operations, please use the contact form on the dedicated Contacts page or the enabled contact components: [email protected] or 1-300-22-5542. This page may be updated periodically to reflect changes in law, regulations, or company details. Any material changes will be notified through the website or appropriate channels. The current version was last updated on 23 September 2026. Continued use of the website constitutes acceptance of the prevailing terms.

Company Registration Number: 197001000276 (9557-T) | Tax Identification Number: C 862003020 | SST Registration Number: W10-1808-31009769 | Malaysian Standard Industrial Classification: 65121 | PIDM Insurer Member | BNM Licensed General Insurer | Registered Office: Level 29, Menara Allianz Sentral, 203 Jalan Tun Sambanthan, Kuala Lumpur Sentral, 50470 Kuala Lumpur | Email: [email protected] | Phone: 1-300-22-5542