Asuransi Rama Terms & Conditions

These Terms and Conditions are an agreement between you as the user and PT Motion Tech Indonesia ("we", "us", "our" or "MTI"), a limited liability company duly established and existing under and by virtue of the laws of the Republic of Indonesia and/or our affiliates.

These Terms and Conditions govern your access and use of the application, website (www.insureka.com, and other websites that we manage), content and products provided by us and/or our affiliates (hereinafter, collectively referred to as the "Application"), as well as the Service available at our application.

By agreeing to these Terms and Conditions, you also agree to the additional Terms and Conditions and their amendments which constitute an integral part of these Terms and Conditions.

Please note that we may change, modify, add and delete these Terms and Conditions at any time where this is necessary to comply with any law or regulation binding on us or to reflect a change to our operational practices. Every time you use the Application, please check these Terms to ensure that you have reviewed the current version.

By accessing and using Application or Service, you acknowledge that you have read, understood, agreed, and been subject to these Terms and Conditions and the Privacy Policy.

The services ("Service") we provide include: Provision and implementation of digital insurance marketing services which serves the marketing, administration, and management of the vehicle insurance product ("Product") underwritten by PT Asuransi Rama Satria Wibawa ("Insurance Company").

Provision and implementation of facility and system to make safe online payment through various available facilities and systems of the Product provided in the Application.

Provision and implementation of complaint reception facility and system, as well as safe online benefit claims on the Product through various technologies available in the Service.

We also provide chat box and call centre feature to allow users to communicate between each other and with our insurance agents, to ask about the insurance products you want to buy, status of benefit claims of insurance products or other matters related to Service.

The Product is provided, supplied and organized by the Insurance Company which has entered into a cooperation and agreement with us. We act as an intermediary that is in charge of facilitating the transaction between you and the Insurance Company.

We reserve the rights to do improvement, enhancement, or maintenance to the Application which provides Service at any time without prior notification.

The access and use of Application are subject to these Terms and Conditions.

Application and products, technology and process in the Application, are owned by us or third party which grants the rights to us. Except for the use that is expressly allowed under these Terms and Conditions, you do not have or receive and we do not grant any other rights to you under this Application.

By using the Application and/or Service, you agree not to: defame, stalk, intimidate, abuse, threaten, harass or misuse other people; use or try to use the account of other people or make a fake identity; make an account for anyone else but himself/herself; copy, license, sub-license, publicize, broadcast, transmit, or distribute information found in the Service; reengineer, decompile, or disassemble any intellectual property rights used to provide the Service.

To order or purchase insurance products through the Application, you must ensure that you have provided correct and complete information, including personal data, vehicle data, and other information required.

You shall be responsible for the accuracy, completeness and correctness of the information that you provide during the product purchase process.

By completing the purchase process, you confirm that you have agreed to all terms and conditions of the insurance policy provided by the Insurance Company.

Payment for insurance products can be made through various payment methods available in the Application, including but not limited to credit cards, debit cards, bank transfers, and digital wallets.

The policy will be issued and delivered to your registered email address after the payment has been confirmed and verified.

If there is a problem with the payment process, please contact our customer service team for assistance.

The prices of insurance products displayed in the Application are determined by the Insurance Company and may be subject to change without prior notice.

Any promotional offers or discounts are subject to specific terms and conditions as stated in the respective promotions.

We reserve the right to cancel or modify any promotional offers at any time.

By using the Application, you consent to the collection, processing, and use of your personal information as described in our Privacy Policy.

You are responsible for keeping your account credentials confidential and for all activities that occur under your account.

Please refer to our Privacy Policy for more information on how we collect, use, and protect your personal information.

All intellectual property rights in the Application and its content, including but not limited to copyrights, trademarks, patents and trade secrets, are owned by us or our licensors.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Application for personal, non-commercial purposes.

You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material in our Application without prior written consent.

The Application may contain links to third-party websites or services that are not owned or controlled by us.

We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

We strongly advise you to read the terms and conditions and privacy policy of any third-party website or service that you visit.

You are responsible for ensuring that all information you provide to us is accurate, current and complete.

You are responsible for maintaining the confidentiality of your account and password and for restricting access to your device.

You agree to accept responsibility for all activities that occur under your account or password.

To the fullest extent permitted by applicable law, we will not be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.

Our liability to you for any cause whatsoever, and regardless of the form of the action, will at all times be limited to the amount paid by you, if any, for use of the Service.

By using the Application, you acknowledge and represent that you are at least 18 years old and have the legal capacity to enter into binding contracts.

You acknowledge that you have read these Terms and Conditions and agree to be bound by them.

We reserve the right to suspend or terminate your account at any time if we reasonably believe that you have violated these Terms and Conditions.

We will endeavor to notify you of the suspension or termination of your account, but are not obligated to do so.

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of Indonesia.

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

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

If you have any questions about these Terms and Conditions, please contact us at:

PT Asuransi Rama Satria Wibawa

Setiabudi Atrium, Lt.3. Suite 310-310-A, JL H.R Rasuna Said Kav. 62, Jakarta 12920, Indonesia

Email: info@ramains.com

Phone: 021-50100946