Terms of Use – elloAuto

Please read these Terms of Use, including the Data Protection Notice, carefully. By visiting, accessing, using or obtaining any content or data from the website www.elloauto.com (“Website” or “elloAuto”) or by obtaining or using any of the services rendered through the Website, you agree to be bound by these Terms of Use.

If you do not accept any of these terms, please discontinue your access to the Website and its online services.

These Terms of Use may be revised at any time. By using the Website or its services, you agree to be bound by any such revisions. Please visit this web page periodically to determine any changes to these terms.

If you do not accept any of the revised terms, please discontinue your access to the Website and its online services.

1. How elloAuto works

elloAuto is a platform that connects customers in Singapore to representatives from financial advisory firms and insurance brokerages who are licensed to provide motor insurance advisory services (“representatives”).

After you submit specific Personal Data (as defined in the Data Protection Notice) and other relevant data to elloAuto, your submitted data will be disclosed and forwarded to a representative so that he / she can help you with your motor insurance needs.

The Website owner(s) and employees (jointly, “we”, “us”, or “our”) do not advise on insurance products and/or services.

If you eventually purchase a product or service through the representative, we will generate revenue from the purchase.

2. Disclaimers

The content published on elloAuto (the “Content”) is provided for general information only and should not be construed as advice on the suitability of any insurance product that the user is seeking.

You should seek and obtain professional advice prior to making any purchasing decision.

The Content (or any part thereof) does not constitute an open offer capable of forming the basis of a contract.

Although reasonable measures are put into ensuring the timeliness and accuracy of the Content, there will be no express or implied representations, warranties or guarantees of any kind in relation to the Content, or the content of external websites that you may be redirected to.

There will also be no express or implied representations, warranties or guarantees for the uninterrupted, error-free, defect-free, virus-free, timely or secure access or use of this Website or external websites that you may be redirected to.

3. Your Responsibilities

You agree to be responsible for the the following:

(a) You will submit accurate, current and complete information to obtain valid motor insurance quotes from the representative.

(b) You will keep your information accurate, updated and complete at all times.

(c) You will check and ensure the suitability, usefulness, quality, adequacy and availability of the products or services recommended to you by the representative prior to making any purchasing decision.

(d) You will not use this Website for any illegal or unlawful purposes.

(e) You will not violate any measures placed in this Website or bypass, circumvent, avoid, remove, deactivate, descramble, decrypt or otherwise impair any measures installed or used to prevent or restrict access to parts of this Website or the Content.

(f) You will not use any software, instruments or devices that (attempt to) interfere with this Website or the due operation of this Website.

4. Limitation of Liabilities

We exclude any and all liabilities for any losses or damages from whatever nature and whether arising from contract, tort, strict liability or otherwise in relation to redirecting you external websites and in relation to your subsequent interaction and dealings with the representative(s), including your purchase or anticipated purchase of a product or service through the representative(s).

We expressly exclude any and all liability for any losses or damages arising from or in relation with:

(a) any viruses or other destructive properties that may infect your computer, your computer programs or systems or other proprietary material as a result of your visit or access to this Website, your use of services provided through this Website, or external websites that you may be redirected to; or

(b) force majeure events such as outbreak of war, strikes and acts of god.

Under no circumstances and in no event shall we be liable for any for any indirect, special, punitive, incidental or consequential damages of any kind including but not limited to revised insurance policy terms, insurance cancellation or voided insurance policy, arising from user submission of information which is not accurate, current and complete.

Under no circumstances and in no event shall we be liable for any indirect, special, punitive, incidental or consequential damages of any kind including loss of profits and savings whether arising from contract, tort, strict liability or otherwise in relation to (the use of) this Website, the services provided through this Website or the (content of the) external websites that you may be redirected to.

In any event, our aggregate liability for any losses or damages whether arising from contract, tort, strict liability or otherwise in relation to (the use of) this Website, the services provided through this Website or the (content of the) external websites that you may be redirected to, is limited to an amount of SGD 100 (one hundred Singapore dollars only).

All exclusions and limitations of liability in this clause shall be to the fullest extent permitted by law.

5. Indemnity

You irrevocably agree to indemnify and hold us harmless for any claims, liabilities, losses, claims, damages and expenses (including reasonable legal fees) arising from or in relation to

(a) your use and misuse of this Website;

(b) your breach of any of the provisions of these terms;

(d) any third parties claims against us arising from or in relation to the aforementioned events under 5(a), 5(b) or 5(c).

These Terms of Use make up the entire agreement between you and us and shall supersede any and all prior verbal or written agreements in relation to this Website or the use of the services provided through this Website.