Privacy Policy

Acceptance of Terms

By accessing and using this website (the “Site”), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

The Site is provided by Unicorn General Insurance Agency Pte. Ltd. (“we,” “us,” “our,” or “Company”) for the purpose of providing general insurance information, quotes, and customer service. We are governed by and regulated by the General Insurance Association.

Use License

Permission is granted to temporarily download one copy of the materials (information, software, and graphics) from the Site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display (commercial or non-commercial)
• Attempt to reverse engineer, decompile, or disassemble any software contained on the Site
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or “mirror” the materials on any other server
• Violate any applicable laws or regulations
• Engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Site
• Obtain or attempt to obtain any materials or information through any means not intentionally made available

Disclaimer

The materials on the Site are provided “as is.” Unicorn General Insurance Agency Pte. Ltd. makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, Unicorn General Insurance Agency Pte. Ltd. does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on the Site or otherwise relating to such materials or on any sites linked to this Site.

Limitations of Liability

In no event shall Unicorn General Insurance Agency Pte. Ltd. or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the Site, even if Unicorn General Insurance Agency Pte. Ltd. or an authorized representative has been notified orally or in writing of the possibility of such damage.

Accuracy of Materials

The materials appearing on the Site could include technical, typographical, or photographic errors. Unicorn General Insurance Agency Pte. Ltd. does not warrant that any of the materials on the Site are accurate, complete, or current. Unicorn General Insurance Agency Pte. Ltd. may make changes to the materials contained on the Site at any time without notice.

Insurance Information Disclaimer

Information provided on this Site regarding insurance products, coverage, and terms is for informational purposes only and should not be construed as legal advice. Insurance policies contain specific terms, conditions, exclusions, and limitations that may vary across insurers and individual circumstances.

• All quotes are estimates and are subject to underwriting and policy approval
• Coverage availability and rates depend on qualifications and underwriting review
• Actual policy terms and coverage differ based on individual needs and circumstances
• Please review the actual policy documents for complete coverage details

We recommend consulting directly with our agents for insurance advice and for advice on PDPA compliance.

Limitation on Links and References

Unicorn General Insurance Agency Pte. Ltd. has not reviewed all of the sites linked to its Site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Unicorn General Insurance Agency Pte. Ltd. of the site. Use of any such linked website is at the user’s own risk.

Modifications

Unicorn General Insurance Agency Pte. Ltd. may revise these Terms of Use for the Site at any time without notice. By using this Site, you are agreeing to be bound by the then current version of these Terms of Use.

Governing Law

These conditions and terms are governed by and construed in accordance with the laws of the Republic of Singapore, and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

Contact and Quotation Forms

Jotform Forms

When you submit information through our contact, quotation, or inquiry forms (powered by Jotform):

• Your information is collected and stored in accordance with our Privacy Policy
• You are providing consent for Unicorn General Insurance Agency Pte. Ltd. to contact you regarding insurance products and services
• Jotform’s terms of service and privacy policy also apply to form submissions (jotform.com/terms)
• Do not submit sensitive personal information (NRIC, credit card numbers, banking details)

Data Retention

Form submissions are retained for the purposes of:

• Processing and responding to inquiries
• Generating insurance quotes
• Compliance with regulatory requirements
• Service improvement and analytics

Withdrawal of Consent

You may request removal of your information from our systems at any time by contacting us directly.

Third-Party Services and Analytics

Google Analytics

This Site uses Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses cookies and similar technologies to analyze Site usage. Information collected includes:

• IP address (anonymized)
• Pages visited
• Time spent on pages
• Traffic source
• Browser and device information

Google Analytics data is used for:

• Understanding user behavior and Site performance
• Improving user experience
• Marketing analysis

For more information on Google Analytics practices, visit: https://policies.google.com/privacy

You can opt out of Google Analytics tracking using the Google Analytics Opt-Out Browser Add-on: https://tools.google.com/dlpage/gaoptout

Other Third-Party Services

The Site may integrate with other third-party services for functionality, analytics, and marketing purposes. Each third party has its own terms of service and privacy practices.

User Responsibilities

You agree to:

• Provide accurate and truthful information in all forms and communications
• Not use the Site for fraudulent or unlawful purposes
• Not attempt to gain unauthorized access to Site systems
• Not upload viruses, malware, or harmful code
• Not engage in harassment, hate speech, or discriminatory conduct
• Comply with all applicable laws and regulations
• Not interfere with Site operations or security

Intellectual Property Rights

The Site and all content, including but not limited to text, graphics, logos, images, and software, are the property of Unicorn General Insurance Agency Pte. Ltd. or its content suppliers and are protected by international copyright laws.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Unicorn General Insurance Agency Pte. Ltd. regarding the use of the Site.

Contact Information

For questions about these Terms of Use, please contact:

Unicorn General Insurance Agency Pte. Ltd. unicorn@unicorn.insure