Terms and Conditions

Effective date: 1st September 2025

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1. Introduction and Agreement
These Terms and Conditions ("Terms") constitute a legally binding agreement between you, as the user, and Legacy Advisory Sdn Bhd (Company Registration No. 200501035361 (717506-K)), the owner and operator of the CoverLife online platform ("we," "us," or "our"). These Terms govern your access to and use of our website, located at www.coverlife.my.

By accessing, browsing, or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any provision of these Terms, you are expressly prohibited from using our website and must discontinue use immediately.

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2. Nature of Services
We provide a free, online platform for comparing general information and quotations for various personal insurance products, including life, medical, personal accident, and critical illness policies, from our panel of licensed partner insurers. Our service is designed to simplify the insurance research process for consumers.

Please note that our services are limited to providing comparative information and facilitating contact with insurers. We do not provide insurance application processing, underwriting services, or claims handling. These services are the sole responsibility of the respective insurance companies.

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3. Our Role and Professional Advice
The information and guidance provided on our platform, whether through our online tools or by our professional advisors, are for general informational and comparative purposes only. While our advisors are knowledgeable and aim to provide unbiased guidance, this guidance is not a substitute for a comprehensive financial needs analysis or personalized professional advice. We do not assess your individual financial situation, risk tolerance, or suitability for any particular product.

You remain solely responsible for your decisions regarding the selection and purchase of any insurance policy. We strongly and explicitly advise that you seek advice from a licensed financial planner or a qualified professional who can conduct a thorough assessment of your specific financial needs before making any final purchasing decision.

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4. Our Remuneration and Commission
Our service to you is provided at no direct cost. As is a standard industry practice, we receive a commission or fee from our partner insurance companies for each policy that is sold as a result of your use of our platform. This commission is paid by the insurer and is already factored into the policy premium, meaning you do not pay extra for our service.

The commission we receive may vary between different insurers and policy types. However, we maintain a commitment to transparency and our unbiased comparison methodology is designed to present you with a wide range of options based on your criteria, irrespective of the commission structure.

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5. User Obligations
By using our website, you represent and warrant that all information you provide is true, accurate, current, and complete. You agree to use the website only for lawful purposes. You are expressly prohibited from engaging in the following activities:

Misrepresentation and Fraud: Providing false information or engaging in fraudulent activity, including but not limited to impersonation, money laundering, or other illegal acts.

Unauthorized Access: Attempting to gain unauthorized access to our website, servers, or any related systems or networks.

Malicious Activity: Introducing any viruses, trojans, worms, or other malicious code.

Data Scraping: Using any automated system, software, or bot to extract data from our website for commercial purposes without our express written consent.

Improper Use: Interfering with the proper functioning of the website or its security features.

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6. Intellectual Property
All intellectual property rights, including copyrights, trademarks, service marks, trade names, and other proprietary rights associated with the content and materials on our website (including but not limited to text, graphics, logos, images, software, and the design and layout of the Site) are the exclusive property of Legacy Advisory Sdn Bhd or its licensors. You are granted a limited, non-exclusive, non-transferable license to access and use the website for personal, non-commercial purposes only.

You may not reproduce, distribute, modify, create derivative works from, or publicly display any part of our website's content without our prior written permission.

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7. Third-Party Websites and Products
Our website may contain links to and information from third-party insurance companies and other websites. These links are provided for your convenience only. We do not endorse, guarantee, or assume any responsibility for the content, products, or privacy practices of these external websites. Your use of these third-party websites is at your own risk.

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8. Disclaimer of Warranties
The website is provided on an "as is" and "as available" basis, without any warranties of any kind, whether express or implied. To the fullest extent permissible by applicable law, we disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and the accuracy, reliability, or completeness of any information on the website.

We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

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9. Limitation of Liability
To the maximum extent permitted by law, Legacy Advisory Sdn Bhd, its directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, punitive, or consequential damages whatsoever, including but not limited to loss of profits, loss of data, or business interruption, arising from your use of, or inability to use, our website or reliance on any information or content provided on the website.

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10. Indemnification
You agree to indemnify, defend, and hold harmless Legacy Advisory Sdn Bhd and its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from your breach of these Terms or your use of the website.

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11. Severability
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be severed from these Terms, and the remaining provisions shall continue in full force and effect.

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12. Governing Law and Jurisdiction
These Terms are governed by and shall be construed in accordance with the laws of Malaysia, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located in Malaysia for the resolution of any disputes.

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13. Changes to the Terms
We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the updated Terms on our website, and your continued use of the website after such changes constitutes your acceptance of the new Terms.

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14. Termination
We reserve the right to terminate or suspend your access to all or part of the website at our sole discretion, without notice, for any conduct that we believe violates these Terms or is harmful to other users of the website.

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15. Entire Agreement
These Terms, along with our Privacy Policy, constitute the entire agreement between you and Legacy Advisory Sdn Bhd regarding the use of our website.

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16. Contact Us

For any questions, complaints, and queries or to report any violations, kindly send an email on hello@coverlife.my