Terms of Use

Here’s what you’re agreeing to by using Clema Risk Solutions’s website and services (the “Clema Service”):

This website is owned and operated by Clema Risk Solutions Pte Ltd (“Clema”, “Clema Risk Solutions”, “we”). These Terms of Service are a binding legal agreement between you and Clema regarding your use of the services available at this site or while in contact with the Clema team (the “Agreement”). If you do not accept these terms, please do not access the site or use the content or any of Clema Risk Solutions’s services.

Your Responsibilities

The Clema Risk Solutions Service is for individuals trying to find insurance information for their company or themselves, and Clema Risk Solutions grants you a limited and revocable right to use the service for those purposes. Without separate, written permission from Clema Risk Solutions in advance, you may not: (i) reuse or “scrape” Clema Risk Solutions’s data for use in another service or website, (ii) attempt to circumvent any control or limitations that Clema Risk Solutions places on your ability to access Clema Risk Solutions or information on the Clema Risk Solutions Service, (iii) use any bots, scrapers, brute-force tools, or other automated methods for accessing, slowing down, or disabling the Clema Risk Solutions Service or otherwise interfering with the proper function of the website, or (iv) “frame,” “mirror,” or otherwise incorporate any part of the Clema Risk Solutions Service into any other website.

Modifications of Terms of Use

Amendments to this agreement can be made and effected by us from time to time without specific notice to your end. Agreement posted on the Clema Risk Solutions’s site reflects the latest agreement and you should carefully review the same before you use our site. Your continued use of Clema Risk Solutions’s site following a change of these Terms and Conditions constitutes a binding acceptance of the change.

Accuracy, Completeness and Timeliness of Information

Clema Risk Solutions is not responsible if information made available on this site is not accurate, complete, or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk. This site may contain certain historical information that is definitely not current and is provided for reference only. We reserve the right to modify the contents of the site at any time without obligation on our end to update any information on the site. You understand and agree that it is your responsibility to monitor changes on the site.

Furthermore, while Clema Risk Solutions uses reasonable efforts to include accurate and up-to-date information, we make no warranties or representations as to the accuracy of the Clema Risk Solutions Service.

YOU UNDERSTAND THAT PRICES ARE ESTIMATIONS AND ARE NOT OFFICIAL AND THAT YOU MAY NOT BE OFFERED A QUOTE DUE TO ELIGIBILITY REQUIREMENTS, INCLUDING BUT NOT LIMITED TO ASSETS SIZE, BUSINESS DESCRIPTION AND BUSINESS LOCATION.

Duty of Disclosure

You are responsible for disclosing all information that is material to your insurance program. The Duty of Disclosure requires you to disclose any matter which may influence the decision of the Insurer to accept the risk and if so, on what terms.

Failure to disclose material facts may render the Insurer to void or cancel the policy and we will not be responsible for such consequences as a result of your delay or failure to abide.

Should you have any concerns regarding the Duty of Disclosure, please discuss with us.

Intellectual Property

The Clema Risk Solutions Service, and all information, data and other content and materials available on the service, including, but not limited to, the Clema Risk Solutions logo and all designs, text, documents, graphics, software, sound files, other files, and the selection and arrangement thereof are the property of Clema Risk Solutions and its suppliers and licensors and are protected by Singapore and international intellectual property laws.

Clema Risk Solutions and the Clema Risk Solutions logo are trademarks of Clema Risk Solutions and may not be copied, imitated or used, in whole or in part, without the prior written permission of Clema Risk Solutions. All other trademarks, product names and company names or logos mentioned on the Clema Risk Solutions website are property of their respective owners.

YOU UNDERSTAND THAT REFERENCES TO ANY PRODUCTS, SERVICES, PROCESSES OR OTHER INFORMATION, BY TRADE NAME, TRADEMARK, MANUFACTURER, SUPPLIER OR OTHERWISE, DOES NOT CONSTITUTE OR IMPLY ENDORSEMENT, SPONSORSHIP, OR RECOMMENDATION THEREOF BY US, OR VICE VERSA.

Links to Third Party Content

The Clema Risk Solutions Service may contain links to third party products, services, and/or websites. We don’t have any control over these third parties, and we are not responsible for their performance. We also don’t endorse them, and are not responsible for their content, advertising, or other materials that they may provide to you.

YOU ALSO UNDERSTAND AND AGREE THAT WE DO NOT NECESSARILY HAVE A RELATIONSHIP WITH THE PROVIDERS OF INSURANCE SERVICES DISPLAYED ON THE CLEMA RISK SOLUTIONS SERVICE.

Modifications to the Clema Risk Solutions Service

We are still working on the Clema Risk Solutions Service, so from time to time we may modify, discontinue, or restrict, temporarily or permanently, portions or all of the Clema Risk Solutions Service. We may do this without notifying you. We reserve our right to make these changes for any reason or no reason at all. We also reserve our right to terminate your license to use the Clema Risk Solutions Service, and to block, restrict, or prevent your future access to or use of the service. Again, we may do this without notice to you, and for any or no reason. Neither we nor our suppliers or licensors will be liable to you or to any third party for any modification, discontinuance or restriction of the Clema Risk Solutions Service.

Privacy Policy

We may collect registration and other information about you through the Clema Risk Solutions Service. Our collection and use of this information are described in the Clema Risk Solutions Privacy policy.

Governing Law

This Agreement shall be governed and construed in accordance with the laws of Singapore.

Disclaimers

YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE RESERVE THE RIGHT TO RESTRICT OR TERMINATE YOUR ACCESS TO THE SITE OR ANY FEATURE OR PART THEREOF AT ANY TIME. ORIX INSURANCE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND ANY WARRANTIES THAT MATERIALS ON THE SITE ARE NON-INFRINGING, AS WELL AS WARRANTIES IMPLIED FROM A COURSE OF PERFORMANCE OR COURSE OF DEALING; THAT ACCESS TO THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE; THAT THE SITE WILL BE SECURE; THAT THE SITE OR THE SERVER THAT MAKES THE SITE AVAILABLE WILL BE VIRUS-FREE; OR THAT INFORMATION ON THE SITE WILL BE COMPLETE, ACCURATE OR TIMELY. IF YOU DOWNLOAD ANY MATERIALS FROM THIS SITE, YOU DO SO AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIALS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM ORIX INSURANCE OR THROUGH OR FROM THE SITE SHALL CREATE ANY WARRANTY OF ANY KIND. ORIX INSURANCE DOES NOT MAKE ANY WARRANTIES OR REPRESENTATIONS REGARDING THE USE OF THE MATERIALS ON THIS SITE IN TERMS OF THEIR COMPLETENESS, CORRECTNESS, ACCURACY, ADEQUACY, USEFULNESS, TIMELINESS, RELIABILITY OR OTHERWISE.

Limitation of Liability

GIVEN THAT THE CLEMA RISK SOLUTIONS SERVICE IS PROVIDED TO YOU FOR FREE, YOU AGREE THAT ORIX INSURANCE IS ENTITLED TO ANY LIMITATION OF LIABILITY. THIS MEANS THAT IN NO EVENT WILL CLEMA RISK SOLUTIONS – OR ITS LICENSORS OR SUPPLIERS – BE LIABLE ON ANY CLAIMS ARISING OUT OF OR RELATING TO YOUR USE OR INABILITY TO USE THE CLEMA RISK SOLUTIONS SERVICE. THIS LIMITATION OF LIABILITY APPLIES TO, BUT SHALL NOT BE LIMITED TO ANY CLAIM FOR: (i) SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, SUCH AS DAMAGES FOR LOSS OR PROFITS, GOODWILL, OR OTHER INTANGIBLE LOSSES (EVEN IF CLEMA RISK SOLUTIONS OR ANY SUPPLIER OR LICENSOR HAS BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES); (ii) THE COST OF PROCUREMENT OF SUBSTITUTE PRODUCTS OR SERVICES; (iii) INTERRUPTION OF USE OR LOSS OR CORRUPTION OF DATA; OR (iv) ANY AMOUNTS PAID BY YOU TO ANY OF CLEMA RISK SOLUTIONS’S BUSINESS PARTNERS, INCLUDING BUT NOT LIMITED TO OUR DATA PROVIDERS AND THE SITES TO WHICH WE LINK.

THIS LIMITATION OF LIABILITY SHALL ALSO APPLY WITH RESPECT TO DAMAGES INCURRED BY REASON OR OTHER SERVICES OR PRODUCTS RECEIVED THROUGH OR ADVERTISED ON THE CLEMA RISK SOLUTIONS SERVICE, OR ADVICE RECEIVED THROUGH OR ADVERTISED ON THE CLEMA RISK SOLUTIONS SERVICE, OR SERVICES, PRODUCTS OR ADVICE RECEIVED THROUGH ANY LINKS PROVIDED IN THE CLEMA RISK SOLUTIONS SERVICE. (OF PARTICULAR IMPORTANCE, THIS MEANS WE ARE NOT RESPONSIBLE IF THERE IS A PROBLEM WITH YOUR INSURANCE POLICY OR COVERAGE.

EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THESE TERMS. THE LIMITATIONS IN THIS SECTION WILL APPLY IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

THE FOREGOING SHALL NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW.

COMPLAINTS

Should you have any cause for complaint or feedback, please raise the issue with your account handler in the first instance. Alternatively, you may escalate to our Compliance Officer at https://clema-rs.com.hk/contact-us/