This website and its pages (the “Website”) are owned and operated by MS First Capital Insurance Ltd (“MS First Capital”, “we”, “us” or “our”), which operates as a general insurance company, including the conduct of reinsurance business (both as a reinsurer and as a reinsured/ceding company).
By accessing and/or using this Website, you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Use (the “Terms”). If you do not agree to these Terms, you must not access or use this Website.
MS First Capital reserves the right to amend these Terms at any time without prior notice. Updated Terms will be published on the Website, and continued access or use of the Website constitutes acceptance of the amended Terms.
Your privacy is important to MS First Capital. By using this Website, you acknowledge and agree that personal data may be collected, used, disclosed, and processed in accordance with the Company’s Privacy & Cookies Policy and applicable data protection laws, including the Personal Data Protection Act 2012 of Singapore (PDPA).
You agree to use this Website only for lawful purposes and in compliance with all applicable laws, regulations, notices, guidelines, directives, and directions issued by any governmental or regulatory authority, whether in Singapore or elsewhere (“Applicable Laws”).
You must not:
All information and materials on this Website are provided for general information purposes only.
Unless expressly stated otherwise:
You are responsible for assessing whether the information on this Website is appropriate to your circumstances and should seek independent professional advice.
Unless expressly stated otherwise, any insurance application submitted through this Website shall not be effective until it has been reviewed, approved, and accepted by MS First Capital in writing (including electronic acceptance, where applicable).
Upon acceptance, the application shall form part of and be governed exclusively by the terms and conditions of the insurance policy issued by MS First Capital.
All content on this Website (including text, images, graphics, logos, trademarks, videos, software, and designs) is owned by or licensed to MS First Capital unless otherwise stated.
No licence or right is granted by implication or otherwise. Content may not be copied, reproduced, modified, distributed, published, transmitted, or used without prior written consent from MS First Capital.
Links to thirdparty websites, including regulatory or industry bodies such as the Monetary Authority of Singapore (MAS), the General Insurance Association (GIA), and the Financial Industry Disputes Resolution Centre (FIDReC), are provided for information and convenience only.
MS First Capital does not control, and is not responsible for, the content, accuracy, availability, or practices of any thirdparty websites. Access to them is at your own risk.
While reasonable security measures and industrystandard protocols (including SSL encryption) are implemented, the Internet is not a secure medium.
MS First Capital does not warrant that:
This Website and all content are provided “AS IS” and “AS AVAILABLE”.
To the fullest extent permitted by law, MS First Capital disclaims all warranties, whether express or implied, including warranties of accuracy, completeness, merchantability, fitness for purpose, and security.
To the maximum extent permitted by Applicable Laws, you acknowledge and accept that MS First Capital, its directors, officers, employees, and its associated, affiliated, and subsidiary companies, and their respective directors, officers, and employees, shall not under any circumstances, and regardless of the cause of action, be liable to you or any other party for any damages, losses, expenses, costs, or any other form of compensation or restitution.
This includes, without limitation, any direct, indirect, special, incidental, or consequential loss or damage, including loss of profits, loss of data, or loss of opportunity, arising from or in connection with your access to or use of this Website, or reliance on any information, materials, or content made available on or through this Website, regardless of the form of action and even if MS First Capital has been advised of the possibility of such loss or damage.
This limitation applies notwithstanding any failure of performance, interruption, delay in transmission or operation, system failure, security breach, computer virus, malware, or any other technologically harmful material or line failure of whatsoever nature and howsoever caused.
Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under Applicable Laws.
MS First Capital shall not be liable for any failure or delay caused by events beyond its reasonable control.
If any provision of these Terms is held invalid or unenforceable, it shall be severed without affecting the remaining provisions.
These Terms are governed by the laws of Singapore, and you submit to the exclusive jurisdiction of the Singapore courts.
