Terms of Service
Welcome to M Jaya Enterprise (“we”, “our”, or “us”). By accessing or using our website and services, you agree to be bound by these Terms of Service.
1. Services Provided
We provide car insurance-related services, including quotations, policy applications, renewals, and claims assistance. All insurance policies are subject to approval by the respective insurance providers.
2. Eligibility
By using our services, you confirm that you are at least 18 years old and legally capable of entering into binding contracts under Malaysian law.
3. Accuracy of Information
You agree to provide accurate, complete, and up-to-date information when using our services. Failure to do so may result in rejection of your application, cancellation of your policy, or denial of claims.
4. Quotations and Policy Issuance
- All quotations provided are non-binding and subject to final approval by insurers.
- Premiums and coverage terms may vary based on underwriting assessment.
- A policy is only valid upon confirmation and issuance by the insurer.
5. Payments
All payments must be made through approved payment methods. We are not responsible for delays or issues caused by third-party payment providers.
6. Claims
Claims must be submitted in accordance with the insurer’s requirements and within the specified time frame. We act as a facilitator and are not responsible for the final decision on claims, which rests with the insurer.
7. Limitation of Liability
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, or consequential damages arising from the use of our services, including but not limited to loss of data, income, or profits.
8. Intellectual Property
All content on this website, including text, graphics, logos, and design, is the property of M Jaya Enterprise and may not be reproduced or used without prior written consent.
9. Privacy
Your use of our services is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal data in accordance with the Personal Data Protection Act 2010 (PDPA).
10. Suspension or Termination
We reserve the right to suspend or terminate your access to our services at any time if you breach these Terms or engage in fraudulent or unlawful activities.
11. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, policies, or practices of such websites.
12. Amendments
We may update these Terms of Service from time to time. Continued use of our services after changes are posted constitutes your acceptance of the revised terms.
13. Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of Malaysia.
14. Contact Information
If you have any questions regarding these Terms of Service, please contact us:
M Jaya Enterprise
Email: info@mjaya.my
Phone: +6010 9600 967
Address: No.27, Ground Floor, Jalan OKK Hj. Mahali, 89600 Papar, Sabah.
Last updated: 28th March 2026