Last updated: June 13, 2024

Definitions and key terms

To help explain things as clearly as possible in this Return & Refund Policy, every time any of these terms are referenced, are strictly defined as:

• Company: when this policy mentions “Company,” “we,” “us,” or “our,” it refers to Insura, that is responsible for your information under this Return & Refund Policy.
• Customer: refers to the company, organization or person that signs up to use the Insura Service to manage the relationships with your consumers or service users.
• Device: any internet connected device such as a phone, tablet, computer or any other device that can be used to visit Insura and use the services.
• Service: refers to the service provided by Insura as described in the relative Program Terms & Conditions, along with privacy Policy and on this platform.
• App/Application: Insura app, refers to the SOFTWARE PRODUCT identified above.
• You: a person or entity that is registered with Insura to use the Services.

1. Refund Policy Overview

Thank you for choosing the Insura app developed by Insura (M) sdn Bhd. This refund policy outlines the terms and conditions governing refunds for our membership programmes available on the iOS and Android platforms. Please read this policy carefully before making a purchase. By purchasing a membership through our app, you agree to abide by this refund policy.

2. Membership Purchase and Benefits

The Insura app offers membership programmes that include valuable benefits, including a Petrol Voucher, a Touch ‘n Go E-Wallet Reload Pin, and Free Travel Insurance coverage within Malaysia. As soon as you enroll in our membership program, these fantastic perks will be send to your email. Keep an eye on your inbox - you'll receive an email with instructions to claim these free gifts within 14 business days. Unfortunately, these rewards may not be returned or exchanged for points, cash, another product.

3. No Refund Policy

Due to the inclusion of the non-transferable and non-modifiable benefits listed above, Insura (M) Sdn Bhd does not provide refunds for any membership purchases made through the Insura app. All membership purchases are final and non-refundable, as the value of the benefits offered is equal to or exceeds the membership fee.

4. Cancellation and Termination

Although we do not offer refunds, you may terminate your membership at any time. You will retain access to the membership benefits until the end of the current billing cycle if you choose to terminate your membership. After the billing cycle ends, you will no longer receive membership benefits, and you will not be charged for subsequent billing cycles. Please be advised that membership cancellation does not entitle you to a refund of any portion of the membership charge.

5. Governing Law

Any unresolved dispute, controversy, or claim arising from the Refund Policy between INSURA and the subscribers shall be referred to and finally resolved by arbitration in Malaysia. The arbitrator shall be agreed upon between the Parties, or in the absence of an agreement within fourteen (14) days after either Party has given the other a written request to agree to the appointment of an arbitrator, a person shall be nominated by the Director of the Asian International Arbitration Centre (AIAC) at the request of either Party. The arbitration proceedings shall be conducted in accordance with the provisions of the Arbitration Act 2005 and the arbitration rules of the AIAC. The arbitration award rendered shall be considered final and binding upon the Parties