Terms of Service
Last updated: October 16, 2018
Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.
By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.
If you wish to purchase any product or service made available through the Service ("Purchase"), you may be asked to supply certain information relevant to your Purchase including, without limitation, your credit card number, the expiration date of your credit card, your billing address, and your shipping information.
You represent and warrant that: (i) you have the legal right to use any credit card(s) or other payment method(s) in connection with any Purchase; and that (ii) the information you supply to us is true, correct and complete.
By submitting such information, you grant us the right to provide the information to third parties for purposes of facilitating the completion of Purchases.
We reserve the right to refuse or cancel your order at any time for certain reasons including but not limited to: product or service availability, errors in the description or price of the product or service, error in your order or other reasons.
Availability, Errors and Inaccuracies
We are constantly updating our offerings of products and services on the Service. The products or services available on our Service may be mispriced, described inaccurately, or unavailable, and we may experience delays in updating information on the Service and in our advertising on other web sites.
We cannot and do not guarantee the accuracy or completeness of any information, including prices, product images, specifications, availability, and services. We reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice.
Contests, Sweepstakes and Promotions
When you create an account with us, you must provide us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.
You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party service.
You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.
You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trade mark that is subject to any rights of another person or entity other than you without appropriate authorization, or a name that is otherwise offensive, vulgar or obscene.
The Service and its original content, features and functionality are and will remain the exclusive property of igloo and its licensors. The Service is protected by copyright, trademark, and other laws of both the Singapore and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of igloo.
Links To Other Web Sites
Our Service may contain links to third-party web sites or services that are not owned or controlled by igloo.
igloo has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that igloo shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.
We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service.
Limitation of Liability
In no event shall igloo, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.
Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.
igloo its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.
APP features and additional terms
We have a digital wallet which allows you to store undeducted balance that can be used for next policy purchase. You are not allowed to withdraw the undeducted balance from the digital wallet.
Minimum transaction value for any policy is $0.50. If you need to pay an insurance policy valuing less than $0.50 (assume $x), we will deduct $0.50 from your credit/debit cards and store $(0.50-x) into your wallet balance that can be used for the next policy purchase.
However, please note that minimum value, which shall be charged for daily policy is $6.00. If you need to pay for a daily insurance policy valuing less than $6.00 (assume $y), we will deduct $6.00 from your credit/debit cards and store $(6-y) into your wallet balance that can be used for the next policy purchase.
You can earn credits by sharing their referral code to friends. On 1st Jan every year, the credits earned before 1st Jan last year will expire.
You have the option to pay by a credit or debit card. Credit or debit card information with stored with the certified third party platform.
Auto extension and Auto top-up
Auto-extension: Your policies will be auto extended after policy activation, as long as auto-extension function is switched on. For example, assuming Jack bought a daily premium plan: if auto-extension function is on, he will auto-purchase another same policy the next day.
You can choose to turn off auto-extension function. Auto-extension function will be automatically switched off if there is not enough credit/balance in user’s account while credit/debit card auto top-up function is no longer in use.
Auto-extension will happen 2 hours before policy expires. For example, if the policy is to expire at 2359 hours, Auto-extension will happen at 2159 hours same day. This is to ensure that the Auto-extension transaction will go through even if transaction delay occurs.
Auto top-up(Definition, cancellation etc.): when auto-extension function is on, but you do not have enough combined credit and balance for the next policy purchase through auto-extension, We will automatically top up user’s balance by deducting from your credit/debit card.
Auto top-up and Auto-extension functions are automatically turned on at the point of successful policy activation.
1 NRIC/FIN can only be linked with 1 user account. Once linked through first successful policy purchase, you can no longer use this IC to register another user account.
Logout is not allowed in our APP.
You are not allowed to change their Last name, First name and IC number once registration is completed.
The igloo APP is not allowed to be deleted or uninstalled from your device while your policy is activated. You need to do activation again when you reinstall the app. We reserve the right to deny any claim if the APP is not installed on the phone when the claim is made.
Account may be terminated or suspended for certain abnormal/illegal behaviour.
The policy will only be issued to you after successful policy activation. After successful policy payment and if your activation attempt fails, you can request to refund the money back to the same mode of payment.
Insurance policy is only issued upon successful policy activation. Insurance policy coverage starts from the date&time of policy issuance.
Policy price displayed is dynamic which may vary according to phone models and users. We reserves the right to change the price without prior notice.
Promo Code & Referral Code: Refer to promo and referral code T&C.
We may send advertisements, promotions through emails, mobile phone numbers and notifications to you if we receive marketing consent from you.
We would use mobile phone’s IMEI number or digital signature to detect users’ phone model.
This policy is currently sold in Singapore. You must have a valid NRIC/FIN to make the purchase. The claim and repair will only happen in Singapore.
These Terms shall be governed and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 15 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.
If you have any questions about these Terms, please contact us:
By email: email@example.com