Terms of Usage

Last updated on 2021 March 9th

Rules of Usage

PLEASE READ THE TERMS OF THIS POLICY CAREFULLY BEFORE USE

1. Definitions

• Affiliates

  Means any entity, person, director, employee, officer, agent, representative, contractor or sub-contractor working with Uuoni to provide the Services or to Maintain the Platforms.

• Insurance Intermediary

  Any person or entity who:

  (a) as an agent for one or more insurers or as an agent for insureds or intending insureds, arranges contracts of insurance in Singapore, and includes an insurance agent or an insurance broker;

  (b) is holding a license registered under the Financial Advisers Act (Cap 110).

• Insurer

  Means a person or entity who is in the business of assuming risk or undertaking liability in Singapore under policies, and of – receiving proposals for policies in Singapore, issuing Policies in Singapore or collecting or receiving premiums on policies in Singapore and licensed under the Insurance Act (Cap 142).

• Platforms

  Has its meaning ascribed to it in clause 2.1.

• Services

  Has its meaning ascribed to it in clause 10.1

2. What's in these terms?

2.1 These terms of use govern your use and access to our Services, including our Platforms(s), our website (which contains or is part of https://www.uuoni.com), our application(s), our application programming interfaces (APIs), our notifications and any information or our content appearing therein (collective, our “Platforms”).

2.2 These terms of use sets out the Terms and Conditions that apply when you use our Platforms, upload content to our Platforms, make contact with other users on our Platforms, link to our Platforms, or interact with our Platforms in any other way.

2.3 These terms of use include and should be read together with our Privacy Policy at https://www.uuoni.com. Please refer to our Privacy Policy at https://www.uuoni.com/privacy to understand how we collect your personal data and what we do with it as well as the rights that you have on your information.

3. Who we are and how to contact us

3.1 Our Platforms is operated by Uuoni Pte. Ltd. (UEN No. 201732486C) of 3 Shenton Way #11-10 Shenton House Singapore (068805) (“We” or “Us” or “Our” or “Uuoni”) for the purposes of providing the Services.

3.2 Uuoni is a digital platform solution for insurance intermediaries. We offer a full suite of web-based features as solutions to assist insurance intermediaries with the internal management of their principals as well as other functions to streamline and improve the Services our clients can provide.

3.3 We are dedicated to working with insurance intermediaries and insurers to solve the insurance industry’s operation, environmental and employment challenges.

3.4 To contact us regarding these terms of use, please email Us at support@uuoni.com.

4. By using our Platforms, you accept these terms

4.1 By clicking “I agree” or using any of our Platforms, you agree to these terms regardless of who you are. If you are using any of our Platforms on behalf of any entity, you agree that you are a authorised representative or agent of the entity.

5. We may make changes to the terms of this policy

5.1 We may amend these terms from time to time. Every time you wish to use our Platforms, please check these terms to ensure you understand the terms that apply at that time. It is recommended that you inform us or seek independent legal advice should you be unsure of your rights. If we make material changes to the terms of use, we will endeavour to either inform you or post a notification on any of our Platforms. By continuing to use our Platform and our Services after the changes come into effect means that you agree to be bound by the revised or amended terms of use.

6. Your account

6.1 In order to use our Platforms or access any of our Services, you must register and maintain an account with us. You:

(a) must provide true, accurate and up to date information about yourself to us;

(b) agree that you will be responsible for all activities conducted through, on or via your account;

(c) must keep your account information (including your password and other login details) confidential and secure; and

(d) must not provide any third party with access to your account. If you know or suspect any unauthorised access to or use of your account, you must promptly notify us at support@uuoni.com.

6.2 We have the right to revoke your right to access your account and disable your account at any time should we suspect that you have breached any terms of this Agreement or the Privacy Policy or any other misuse or misconduct by you at Uuoni’s discretion without any notice.

7. Using our Platforms as an Insurance Intermediary or Insurer

7.1 This section applies to you if you are using our Platforms or Services as an Insurance Intermediary or Insurer.

7.2 By using our Platforms and/or Services, you agree that:-

(a) If you are representing an entity, you are fully authorised to represent such entity;

(b) you are of legal age and capacity;

(c) you will at all time, maintain and have in force, all valid licenses, permits, in relation to the Financial Advisers Act, Financial Advisers Regulations and any other laws and regulations of Singapore;

(d) you will not use our Platform for any unlawful or unauthorised purposes;

(e) we are a 3rd party platform and in no way involved with any transactions between your client and you;

(f) any information provided by you on your clients and/or customers

(g) to our website is accurate, correct, true and up to date; and

(h) you are fully responsible for all Services provided by you to your clients and/or customers.

7.3 As an Insurance Intermediary or Insurer, you agree to hold Uuoni or any of its Affiliates harmless and indemnify Uuoni or any of its Affiliates against any losses, damages, claims, costs, disbursement or expenses (including all legal fees and costs) arising from any breach of our terms of use, any misuse or misconduct via our Platforms and/or any misrepresentation by you in relation to clause 6.2. In particular, you agree that: -

(a) Uuoni or its Affiliates will not be responsible for any claims, damages, losses, negligence, fraud, costs and expenses arising from your use of Our Platforms (which includes any claims against you by your clients arising from any financial Product or plans that you have sold or licensed to your clients); and

(b) To the fullest extent permitted by law, Uuoni or its affiliates are not liable to you or your clients or any other persons for any loss of data, business, opportunities, reputation, profits, clients or revenue.

8. General use of our content

8.1 This clause applies to your access and use of our Platforms and its associated Platforms, APIs, applications button, widgets, SMS and e-mail notifications as well as any information, text, graphics, photos or other materials uploaded, downloaded or appearing on our Platforms (collectively referred to as the “Content”).

8.2 You represent and warrant that you will not do any of the following while accessing or using our Content: (a) license, sublicense, sell, resell, transfer, assign or otherwise commercially exploit or make available to any third party the Content in any way; (b) modify or make derivative works based on the Content, or reverse engineer or access the underlying software for any reason; (c) access or search, or attempt to access or search, the Content by any means (automated or otherwise) other than through the currently available, published interface which is provided by us; (d) interfere with or disrupt the Content or the servers or networks providing the Content; or (e) perform any action with the intent of introducing to the Content any software viruses, worms, Trojan horses or other harmful computer code, files, scripts, agents or programs.

8.3 You shall ensure that you use the Content in accordance with all applicable law. You are responsible for making all arrangements necessary for you to have access to the Content. You are also responsible for ensuring that all persons who access the Content through your internet connection are aware of these Terms of Service, our Data Protection Policy as well as applicable law, and that they comply with them.

8.4 Further, you may not use our Platforms:

(a) In any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect.

(b) For the purpose of harming or attempting to harm minors in any way.

(c) To bully, insult, intimidate or humiliate any person.

(d) To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards [Insert as Link to Content Standards].

(e) To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).

9. Our Proprietary System and Services

9.1 We may from time to time provide various services on our Platforms (which may or may not be paid services), including, without limitation:

(a) Chat rooms.

(b) Bulletin boards.

(c) Customer Service interfaces.

(d) Our proprietary CRM Systems.

(e) Our proprietary software and systems.

(f) Any other services that We may introduce from time to time.

(the “Services”)

9.2 By paying our fees or being a client of a fee-paying customer, we give you a personal, worldwide, royalty-free, non-assignable, non-transferrable, non-sublicensable, non-exclusive and revocable licence to access and use our Platform and the Services, including any software or application as part of the Services we offer. This licence is for the sole purpose of enabling you to use and enjoy the benefit of our Platform as provided by us and in the manner as permitted by these terms;

9.3 Save for information input by you in connection with the use of our Services or any other authorised purposes, you cannot copy, modify, distribute, sell, lease, loan or trade any access to the Platforms or any data or information on it;

9.4 We may provide some of more elements of the Services through third party service providers;

9.5 We may release Products, Services, functionalities or features that we are still testing and evaluating;

9.6 We may from time to time change or discontinue any of the Products or Services we offer (including any modification of the Platforms), or add or remove functionalities or features, and we may suspend or stop certain Products, Services, functionalities or features altogether. If we discontinue certain Products, Services, functionalities or features, we will give you advance notice where reasonably possible.

9.7 We will try our best to ensure that our Platforms and/or Services are delivered to you in a secure manner but we do not guarantee that a third party may illegally or unlawfully interfere with or hack the Platform and/or Services.

9.8 We will try our best to ensure that our Platforms is always available, but we do not guarantee that the operation of or access to our Platform will be uninterrupted or continuous. Our Platform may be interrupted for maintenance, repairs, upgrades, network or equipment failures.

9.9 We may, from time to time, make changes to the Platforms that materially reduce the functionality provided to you via your Subscription Terms . We reserve the right to retain any data stored with us after your Subscription Term ends.

9.10 You are responsible for configuring your information technology, computer programmes and platform or system in order to access our Platform. We do not guarantee that our Platforms will be free from bugs or viruses.

9.11 You cannot use the Platforms for any unauthorised, unlawful or fraudulent means for the purpose of harming others, to send, knowingly receive, upload, download, use or re-use any material. To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation.

9.12 Where we do provide any Services on Our Platforms, we will provide clear information to you about the kind of Service offered, if it is moderated and what form of moderation is used (including whether it is human or technical).

9.13 We will do our best to assess any possible risks for users from third parties when they use any Services provided on our Platforms, and we will decide in each case whether it is appropriate to use moderation of the relevant Services (including what kind of moderation to use) in the light of those risks. However, we are under no obligation to oversee, monitor or moderate any Services we provide on our Platforms, and we expressly exclude our liability for any loss or damage arising from the use of any interactive Service by a user in contravention of our content standards, whether the Service is moderated or not.

10. Content standards

10.1 These content standards apply to any and all material which you contribute to our Platforms (“Contribution”), and to any interactive Services associated with it (“Content Standards”).

10.2 The Content Standards must be complied with in spirit as well as to the letter. The standards apply to each part of any Contribution as well as to its whole.

10.3 We will determine, in its discretion, whether a Contribution breaches the Content Standards.

10.4 A Contribution must:

(a) Be accurate (where it states facts).

(b) Be genuinely held (where it states opinions).

(c) Comply with the law applicable in Singapore, including but not limited to Protection from Online Falsehoods and Manipulation Act 2019 (POFMA).

10.5 A Contribution must not:

(a) Be defamatory of any person.

(b) Be obscene, offensive, hateful or inflammatory.

(c) Bully, insult, intimidate or humiliate.

(d) Promote sexually explicit material.

(e) Include child sexual abuse material.

(f) Promote violence.

(g) Promote discrimination based on race, sex, religion, nationality, or disability.

(h) Infringe any copyright, database right or trade mark of any other person.

(i) Be likely to deceive any person.

(j) Breach any legal duty owed to a third party, such as a contractual duty or a duty of confidence.

(k) Promote any illegal activity.

(l) Be in contempt of court.

(m) Be threatening, abuse or invade another's privacy, or cause annoyance, inconvenience or needless anxiety.

(n) Be likely to harass, upset, embarrass, alarm or annoy any other person.

(o) Impersonate any person, or misrepresent your identity or affiliation with any person.

(p) Give the impression that the Contribution emanates from another entity or Us, if this is not the case.

(q) Advocate, promote, incite any party to commit, or assist any unlawful or criminal act such as (by way of example only) copyright infringement or computer misuse.

(r) Contain a statement which you know or believe, or have reasonable grounds for believing, that members of the public to whom the statement is, or is to be, published are likely to understand as a direct or indirect encouragement or other inducement to the commission, preparation or instigation of acts of terrorism.

(s) Contain any advertising or promote any Services or web links to other Platforms.

11. Breach of this policy

11.1 When we consider that a breach of this acceptable use policy has occurred, we may take such action as we deem appropriate.

11.2 To the fullest extent permitted by law, We expressly disclaim any of our liabilities in connection with or arising out of your use of the Platforms as follows:-

(a) we provide the Platform and any Products or Services we offer on an “as is” and “as available” basis, and your access to or use of our Platform is at your own risk;

(b) we give no assurance, representation or warranty of any kind (whether express or implied) about the Platform and any Products or Services we provide;

(c) we do not guarantee that the information or content you find on the Platform is always accurate, truthful, complete and up-to-date;

(d) we expressly disclaim all warranties and representations (for example, warranties of merchantability, fitness for a particular purpose, and non-infringement);

(e) we are not responsible for any delay or disruption in our Platform or any defect, viruses, bugs or errors; and

(f) we are not responsible for the conduct of or any content or information submitted or posted by any user of the Platform (whether online or offline).

11.3 Failure to comply with this terms of use constitutes a material breach of our Platforms use upon which you are permitted to use our Platforms, and may result in our taking all or any of the following actions:

(a) Immediate, temporary or permanent withdrawal of your right to use our Platforms.

(b) Immediate, temporary or permanent removal of any Contribution uploaded by you to our Platforms.

(c) Issue of a warning to you.

(d) Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.

(e) Further legal action against you.

(f) Disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law.

11.4 We exclude our liability for all action we may take in response to breaches of this acceptable use policy. The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate.

11.5 You agree to hold Uuoni or any of its Affiliates harmless and indemnify Uuoni or any of its Affiliates against any losses, damages, claims, costs, disbursement or expenses (including all legal fees and costs) arising from any breach of these terms of use of our Platforms, any misuse or misconduct via our Platforms.

12. Governing law

12.1 The terms of this policy, its subject matter and its formation are governed by Singapore law. You and Us both agree or are deemed to have agreed that the Singapore courts will have exclusive jurisdiction.