Terms and Conditions

Last updated: 23 September 2026

Introduction and Acceptance of Terms

variabzo operates this website as a commercial platform providing information and services related to insurance finance in Malaysia. By accessing or using this site, you agree to be bound by these Terms and Conditions. If you do not agree, you must not use the site. These terms constitute a legally binding agreement under the Contracts Act 1950 of Malaysia and apply to all visitors, users, and customers.

Eligibility and Permitted Use

You must be at least 18 years of age and legally capable of entering into contracts under Malaysian law to use this site. The site is intended for residents of Malaysia seeking information on insurance and financial products. Permitted use includes browsing content, submitting inquiries via the contact form, and accessing educational materials. You may not use the site for any commercial purpose without prior written consent from variabzo.

Prohibited Conduct

Users must not engage in activities that violate Malaysian laws, including the Computer Crimes Act 1997. Prohibited actions include attempting to gain unauthorized access, uploading malicious software, harassing other users, or misrepresenting identity. Any breach may result in immediate termination of access and potential legal action by variabzo.

User Accounts, Submissions and Content

Where accounts or submission features are available, you are responsible for maintaining the confidentiality of your login details. Any content you submit, such as inquiries or feedback, must be accurate and not infringe third-party rights. variabzo reserves the right to moderate or remove submissions that violate these terms. Personal data submitted is handled in accordance with the Personal Data Protection Act 2010.

Ownership of Site Content and Trademarks

All content on the site, including text, graphics, and logos, is owned by variabzo or its licensors. You may view and print content for personal use only. Trademarks such as the variabzo name may not be used without permission. Unauthorized reproduction or distribution is prohibited under the Copyright Act 1987.

Third-Party Services and Links

The site may contain links to third-party websites or services for insurance providers and financial tools. These links are provided for convenience only and do not imply endorsement. variabzo is not responsible for the content, privacy practices, or availability of external sites. Users should review the terms of any third-party service before engaging.

Availability, Changes, Suspension and Termination

variabzo strives to maintain site availability but does not guarantee uninterrupted access. The site may be suspended for maintenance or due to circumstances beyond control. variabzo may modify, suspend, or terminate access at any time without notice. Upon termination, provisions regarding liability and intellectual property survive.

Disclaimers

The information on this site is for general guidance only and does not constitute professional financial or insurance advice. While efforts are made to ensure accuracy, variabzo makes no warranties regarding completeness or suitability for specific needs. All services remain subject to mandatory consumer protections under the Consumer Protection Act 1999, which cannot be excluded.

Limitation of Liability

To the extent permitted by Malaysian law, variabzo limits liability for indirect or consequential damages arising from site use. This does not exclude liability for death, personal injury caused by negligence, or fraud. Maximum liability is capped at the amount paid by the user for services in the preceding 12 months, where applicable.

Indemnity

You agree to indemnify and hold variabzo harmless from claims, losses, or expenses arising from your breach of these terms or misuse of the site, including violations of Malaysian regulations on financial promotions.

Governing Law, Courts and Consumer Dispute Rights

These terms are governed by the laws of Malaysia. Disputes shall be resolved in the courts of Kuala Lumpur, subject to your rights under the Consumer Protection Act 1999 to pursue claims in appropriate forums. Alternative dispute resolution options, such as mediation through the Financial Mediation Bureau, may be available for insurance-related matters.

Severability, Waiver, Changes and Contact

If any provision is found invalid, the remainder continues in effect. Failure to enforce any term does not constitute a waiver. variabzo may update these terms periodically; continued use constitutes acceptance of changes. For questions, contact variabzo via the Contacts page form, email at [email protected], phone at 1-300-22-5542, or address at Level 29, Menara Allianz Sentral, 203 Jalan Tun Sambanthan, Kuala Lumpur Sentral, 50470 Kuala Lumpur. These terms were last revised on 23 September 2026.