Terms & Conditions

1) Acceptance of Terms

These Terms & Conditions (the “Terms”) govern your access to and use of the Site. By accessing or using the Site, you agree to be legally bound by these Terms and all applicable laws. If you do not agree, do not use the Site.

2) About Our Service (Travel Insurance Niche)

Coverage availability, pricing, and terms vary by provider, jurisdiction, trip details, traveler age, health status, activities, and other factors. You are responsible for reviewing the full policy wording, exclusions, limitations, waiting periods, and claims procedures before purchasing.

3) Eligibility & Use

• You must be at least the age of majority in your place of residence and have legal capacity to contract.
• You may use the Site for personal, non-commercial purposes only, unless we provide written permission otherwise.
• You are responsible for ensuring the information you provide is accurate, complete, and up-to-date.
• You must comply with all applicable laws, including those governing insurance marketing and sales in your jurisdiction.

4) Accounts, Security & Verification

If the Site allows account creation, you must safeguard your credentials and promptly notify us of any unauthorized use. We may require identity or eligibility verification to prevent fraud and ensure regulatory compliance. We reserve the right to refuse, suspend, or terminate access for any reason permitted by law.

5) Content, Accuracy & Editorial Independence

We strive for accurate, timely content, but insurance data (including benefits, limits, exclusions, prices, and provider status) can change without notice. You must validate all details with the relevant insurer or intermediary before purchasing.

Editorial content is produced independently. Any sponsored content or paid placement will be labeled where feasible.

6) Quotes, Pricing & Purchasing

• Quotes shown via the Site or linked tools are provided by third parties and are not binding offers by us.
• Final pricing, taxes, fees, currency conversion, and issued coverage are determined solely by the insurer/intermediary.
• Promotions and offers may carry additional terms and may be withdrawn at any time.
• Purchases, endorsements, renewals, cancellations, and refunds—where available—are processed by the third-party provider according to their terms and applicable law.

7) Coverage, Exclusions & Claims

Travel-insurance coverage is subject to detailed policy wording. Common exclusions can include, without limitation: pre-existing conditions, high-risk activities, alcohol/drug-related incidents, illegal acts, war or terrorism, and travel to sanctioned regions. You must read the full policy documents and contact the insurer for clarification before purchase.

Claims must be filed directly with the insurer in accordance with their procedures and timelines. We do not adjudicate or influence claim decisions.

8) Third-Party Providers & Links

The Site may reference or link to third-party websites, insurers, brokers, payment processors, or content. We are not responsible for their content, policies, security, or practices. Accessing third-party services is at your own risk and subject to their terms.

9) Affiliate Disclosure & Advertising

We may receive compensation (including affiliate commissions or advertising fees) when you click links, view offers, or purchase from partners featured on the Site. Such compensation does not influence our commitment to present information in a fair and transparent manner.

10) Payments, Refunds & Chargebacks

If you purchase a policy through a third-party link, your payment relationship is with that third party. Refunds, chargebacks, and billing disputes must be addressed with them directly, subject to their policies and applicable law.

11) Prohibited Conduct

• Using the Site for unlawful, misleading, or fraudulent purposes.
• Scraping, bulk-downloading, or reverse-engineering the Site or its systems.
• Uploading malicious code or interfering with security, availability, or performance.
• Impersonation or misrepresentation of identity, qualifications, or affiliations.
• Posting unlawful, defamatory, infringing, or harmful content.

12) Intellectual Property

The Site and its content (including text, graphics, logos, design, and software) are protected by intellectual-property laws. Except as permitted by mandatory law or as expressly authorized by us in writing, you may not copy, distribute, modify, create derivative works, or publicly display our content.

Trademarks, service marks, and trade names of third parties are the property of their respective owners and used for identification only.

13) Privacy, Cookies & Communications

Your use of the Site is also governed by our Privacy Policy. We may use cookies and similar technologies—see our Cookie Policy for details. By providing contact details, you consent to receive service and transactional communications. You can opt out of non-essential marketing communications at any time as described in those messages.

14) Regulatory & Sanctions Compliance

You represent that your use of the Site and any insurance purchase will not violate applicable export-control, anti-money-laundering, or sanctions laws (including, where applicable, Indonesian law, OFAC, UK, and EU regimes). Coverage may be unavailable for travel to sanctioned or restricted regions.

15) Disclaimers & Limitation of Liability

As-Is / As-Available. The Site is provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, or accuracy.

No Liability for Third Parties. We are not liable for acts, omissions, errors, or policies of insurers, intermediaries, or other third parties, including changes to pricing or coverage, declined applications, or claim outcomes.

Limitation. To the fullest extent permitted by law, our aggregate liability for all claims arising out of or relating to the Site shall not exceed the greater of (a) the amount you paid us (if any) for access to the Site in the 3 months preceding the claim, or (b) USD 100.

Exclusions. Some jurisdictions do not allow certain limitations; in those cases, the relevant limitation applies only to the extent permitted by law.

16) Indemnification

You agree to defend, indemnify, and hold harmless the Site operator and its affiliates, officers, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from your use of the Site, violation of these Terms, or infringement of any third-party rights.

17) Suspension & Termination

We may suspend or terminate all or part of the Site, or your access to it, with or without notice where permitted by law, including for suspected misuse, fraud, security issues, or legal/regulatory reasons.

18) Changes to the Terms

We may update these Terms from time to time. Material changes will be indicated by updating the “Effective date” above and, where appropriate, by additional notice. Your continued use of the Site after changes become effective constitutes acceptance of the updated Terms.

19) Governing Law & Dispute Resolution

These Terms are governed by the laws of the Republic of Indonesia, without regard to conflict-of-laws principles. You and we agree to submit to the exclusive jurisdiction of the courts located in Indonesia for disputes not subject to alternative dispute resolution. Where required or agreed, disputes may be resolved by confidential arbitration administered in Indonesia, with proceedings in English or Indonesian.

20) Contact Us

If you have questions about these Terms, please contact:

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.