Terms of Service

1. Account Terms

To access and use the Services, you must register for a dtX account (“Account”) by providing your full legal business name, current business address, phone number, a valid email company address, and any other information indicated as required. Wesurance may reject your application for an Account, or cancel an existing Account, for any reason, at our sole discretion. 

You must be registered with your local official financial body and be licensed to sell insurance. Wesurance might reject your application or cancel an existing Account if your company were to found without a license. 

You confirm that you are receiving any Services provided by Wesurance for the purposes of carrying on business activity and not for any personal, household or family purpose. 

You acknowledge that Wesurance will use the email address you provide on opening an Account or as updated by you from time to time as the primary method for communication with you. You must monitor the Primary Account email address you provide to Wesurance, and your Primary Account email address must be capable of both sending and receiving messages. Your email communications with Wesurance can only be authenticated if they come from your Primary Account email address. 

You are responsible for keeping your password secure. Wesurance cannot and will not be liable for any loss or damage from your failure to maintain the security of your Account and password. 

You acknowledge that you are responsible for the creation and operation of your dtX Account. 

Wesurance is a Saas provider for InsurTech solution, providing a toolkit of digital transformation. Any contract of sale is directly between you and the buyer. 

You are responsible for all activity and content such as photos, images, videos, graphics, written content, audio files, code, information, or data uploaded, collected, generated, stored, displayed, distributed, transmitted or exhibited on or in connection with your Account (“Materials”). 

A breach or violation of any term in terms of Service, including the Acceptable Use Policy, as determined in the sole discretion of Wesurance, may result in an immediate termination of your Services. 

2. Product Provider and Staff Accounts
  1. If you are signing up for the Services on behalf of your employer, your employer shall be the Product Provider. If you are signing up for the Services on behalf of your employer, then you must use your employer-issued email address and you represent and warrant that you have the authority to bind your employer to our Terms of Service. Your employer will be the Contracting Party for the purpose of our Terms of Service and you will be the person who is authorised to use any corresponding account we may provide in connection with the Service.

  2. Your dtX account can only be associated with one Product Provider. One Product Provider may only have one dtX account. You are responsible for ensuring that the name of the Product Provider (including the legal name of the company, if applicable) is clearly visible on the dtX platform.

  3. Based on your dtX pricing plan, you can create one or more staff accounts (“Staff Accounts”) allowing other people to access the Account. With Staff Accounts, the Product Provider can set permissions and let other people work in their Account while determining the level of access by Staff Accounts to specific business information.

  4. The Product Provider is responsible and liable for the acts, omissions and defaults arising from the use of Staff Accounts in the performance of obligations under these Terms of Service as if they were the Product Provider’s own acts, omissions or defaults.

  5. The Product Owner and the users under Staff Accounts are each referred to as a “dtX User”.

3. General Conditions
  1. The Terms of Service should be governed by the jurisdiction of the incorporation of the respective Contracting Entity and shall be governed by and construed in accordance with its laws.

  2. You acknowledge and agree that Wesurance may amend these Terms of Service at any time by posting the relevant amended and restated Terms of Service on Wesurance’s website, and such amendments to the Terms of Service are effective as of the date of posting. Your continued use of the Services after the amended Terms of Service are posted to Wesurance’s website constitutes your agreement to, and acceptance of, the amended Terms of Service. If you do not agree to any changes to the Terms of Service, do not continue to use the Service.

  3. You may not use the Wesurance Services for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws), the laws applicable to you in your customer’s jurisdiction, or the laws of Singapore. You will comply with all applicable laws, rules and regulations in your use of the Service and your performance of obligations under the Terms of Service.

  4. You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Services, or access to the Services without the express written permission by Wesurance.

  5. You acknowledge and agree that your use of the Services, including information transmitted to or stored by Wesurance, is governed by its Privacy Policy (Please refer to Privacy Policy page).

  6. All the terms and provisions of the Terms of Service shall be binding upon and inure to the benefit of the parties to the Terms of Service and to their respective heirs, successors, permitted assigns and legal representatives. Wesurance shall be permitted to assign these Terms of Service without notice to you or consent from you. You shall have no right to assign or otherwise transfer the Terms of Service, or any of your rights or obligations hereunder, to any third party without Wesurance’s prior written consent, to be given or withheld in Wesurance’s sole discretion.

  7. If any provision, or portion of the provision, in these Terms of Service is, for any reason, held to be invalid, illegal or unenforceable in any respect, then such invalidity, illegality or unenforceability will not affect any other provision (or the unaffected portion of the provision) of the Terms of Service, and the Terms of Service will be construed as if such invalid, illegal or unenforceable provision, or portion of the provision, had never been contained within the Terms of Service.

  8. Technical support in respect of the Services is only provided to Product Provider and its staff account users.

4. Wesurance Right
  1. We reserve the right to modify or terminate the Services for any reason, without notice at any time. Not all Services and features are available in every jurisdiction and we are under no obligation to make any Services or features available in any jurisdiction.

  2. We reserve the right to refuse service to anyone for any reason at any time.

  3. We may, but have no obligation to, remove Materials and suspend or terminate Accounts if we determine in our sole discretion that the Product offered, or the Materials uploaded or posted, violate our Acceptable Use Policy (“AUP”) or these Terms of Service.

5. Confidentiality
  1. “Confidential Information” shall include, but shall not be limited to, any and all information

  2. associated with a party’s business and not publicly known, including specific business information, technical processes and formulas, software, customer lists, prospective customer lists, names, addresses and other information regarding customers and prospective customers, product designs, sales, costs (including any relevant processing fees), price lists, and other unpublished financial information, business plans and marketing data, and any other confidential and proprietary information, whether or not marked as confidential or proprietary. Wesurance’s Confidential Information includes all information that you receive relating to us, or to the Services, that is not known to the general public including information related to our security program and practices.

  3. Each party agrees to use the other party’s Confidential Information solely as necessary for performing its obligations under these Terms of Service and in accordance with any other obligations in these Terms of Service including this Section 6. Each party agrees that it shall take all reasonable steps, at least substantially equivalent to the steps it takes to protect its own proprietary information, to prevent the duplication, disclosure or use of any such Confidential Information, other than (i) by or to its employees, agents and subcontractors who must have access to such Confidential Information to perform such party’s obligations hereunder, whom each shall treat such Confidential Information as provided herein, and who are each subject to obligations of confidentiality to such party that are at least as stringent as those contained herein; or (ii) as required by any law, regulation, or order of any court of proper jurisdiction over the parties and the subject matter contained in these Terms of Service, provided that, if legally permitted, the receiving party shall give the disclosing party prompt written notice and use commercially reasonable efforts to ensure that such disclosure is accorded confidential treatment. Confidential Information shall not include any information that the receiving party can prove: (A) was already in the public domain, or was already known by or in the possession of the receiving party, at the time of disclosure of such information; (B) is independently developed by the receiving party without the use of or reference to the other party’s Confidential Information, and without breaching any provisions of these Terms of Service; or (C) is thereafter rightly obtained by the receiving party from a source other than the disclosing party without breaching any provision of these Terms of Service.

6. Limitation of Liability
  1. You expressly understand and agree that, to the extent permitted by applicable laws, Wesurance shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data or other intangible losses resulting from the use of or inability to use the service. 

  2. To the extent permitted by applicable laws, in no event shall Wesurance be liable for lost profits or any special, incidental or consequential damages arising out of or in connection with our site, our Services or these Terms of Service (however arising including negligence). You agree to indemnify and hold us and (as applicable) our parent, subsidiaries, affiliates, Wesurance partners, officers, directors, agents, employees, and suppliers harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your breach of these Terms of Service or the documents it incorporates by reference (including the AUP), or your violation of any law or the rights of a third party. 

  3. Your use of the Services is at your sole risk. The Services are provided on an “as is” and “as available” basis without any warranty or condition, express, implied or statutory. 

  4. Wesurance does not warrant that the Services will be uninterrupted, timely, or error-free. 

  5. Wesurance does not warrant that the results that may be obtained from the use of the Services will be accurate or reliable. 

  6. Wesurance is not responsible for any of your tax obligations or liabilities related to the use of Wesurance’s Services. 

  7. Wesurance does not warrant that the quality of any products, services, information, or other materials purchased or obtained by you through the Services will meet your expectations or that any errors in the Services will be corrected. 

7. Waiver, Severability, and Complete Agreement 
  1. The failure of Wesurance to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision. If any provision of the Terms of Service, including all terms and conditions and other documents it incorporates by reference, is held by a court of competent jurisdiction to be contrary to law, such provision shall be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law, and the remaining provision of the Terms of Service shall remain in full force and effect. 

  2. The Terms of Service, including the documents it incorporates by reference, constitute the entire agreement between you and Wesurance and govern your use of the Services and your Account, superseding any prior agreements between you and Wesurance (including, but not limited to, any prior versions of the Terms of Service). 

8. Intellectual Property and Customer Content 
  1. We do not claim any intellectual property rights over the Materials you provide to the Wesurance Service. All Materials you upload to your Account remains yours. You can remove your Materials at any time by deleting your Account. 

  2. You retain ownership over all Materials that you upload to your Account. You are responsible for compliance of the Materials with any applicable laws or regulations. 

  3. Wesurance shall have the non-exclusive right and license to use the names, trademarks, service marks and logos associated with your Account to promote the service. 

9. Product Templates 
  1. You may establish the Product and appearance of your Product with a product template from Wesurance’s Template List (“a Template”). You may modify the Template to suit your Product. Wesurance may add or modify the Template that refers to Wesurance at its discretion. Wesurance may modify the product template where it contains, at our sole discretion, an element that violates the Wesurance Acceptable Use Policy or other provisions of the Terms of Service. Wesurance may modify product templates to reflect technical changes and updates as required. 

  2. It is the responsibility of the Product Provider, and not Wesurance, to ensure that the installation of a new product does not overwrite or damage the current or preexisting online Product, or UI, of the user. 

10. Payment of fees 
  1. You will pay the Fees applicable to your subscription to the Services (“Subscription Fees”) and any other applicable fees, including but not limited to applicable fees relating to the value of sales made through your Account when using all payment providers(“Transaction Fees”), and any fees relating to your purchase or use of any products or services such as apps, product templates, domain names, or Third Party Services (“Additional Fees”). Together, the Subscription Fees, Transaction Fees and Additional Fees are referred to as the “Fees”. 

  2. You must keep a valid payment method on file with us to pay for all incurred and recurring Fees. Wesurance will charge applicable Fees to any valid payment method that you authorise (“Authorized Payment Method”), and Wesurance will continue to charge the Authorised Payment Method for applicable Fees until the Services are terminated and any and all outstanding Fees have been paid in full. Unless otherwise indicated, all Fees and other charges are in U.S. dollars, and all payments shall be in U.S. currency. 

  3. Subscription Fees are paid in advance and will be billed in 30-day intervals (each such date, a “Billing Date”). At the end of each billing period, these terms automatically continue for a further period of the same duration as the previous one, provided you continue to pay the subscription fee in accordance with the pricing plan. 

  4. Transaction Fees and Additional Fees will be charged from time to time at Wesurance’s discretion. You will be charged on each Billing Date for all outstanding Fees that have not previously been charged. Fees will appear on an invoice, which will be sent to the Product Provider via the email provided. As well, an invoice will appear on the Account page of your administration console. Users have approximately two weeks to bring up and settle any issues with the billing of Subscription Fees. 

  5. If we are not able to process payment of Fees using an Authorised Payment Method, we will make a second attempt to process payment using any Authorised Payment Method 3 days later. If the second attempt is not successful, we will make a final attempt three days following the second attempt. If our final attempt is not successful, we may suspend your Account and the Services. Your Account will be reactivated upon your payment of any outstanding Fees, plus the Fees applicable to your next billing cycle. If the outstanding Fees remain unpaid for 60 days following the date of suspension, Wesurance reserves the right to terminate your Account. 

  6. For the avoidance of doubt, all sums payable by you to Wesurance under these Terms of Service shall be paid free and clear of any deductions or withholdings whatsoever. Other than Taxes charged by Wesurance to you and remitted to the appropriate tax authorities on your behalf, any deductions or withholdings that are required by law shall be borne by you and paid separately to the relevant taxation authority. Wesurance shall be entitled to charge the full amount of Fees stipulated under these Terms of Service to your Authorised Payment Method, ignoring any such deduction or withholding that may be required. 

  7. You are responsible for all applicable Taxes that arise from or as a result of any sale between you and your customers. 

  8. Wesurance does not provide refunds. 

  9. Upon purchasing a domain name through Wesurance, domain registration will be preset to automatically renew each year so long as your dtX Account remains active. You acknowledge that it is your sole responsibility to deactivate the auto-renewal function should you choose to do so. 

11. Cancellation and Termination
  1. You may cancel your Account and terminate the Services at any time by deactivating the auto-renewal function. You acknowledge that it is your sole responsibility to do so. 

  2. Upon termination of the Services by either party for any reason: 

    • Wesurance will cease providing you with the Services, and your database is kept deactivated for 12 months (the grace period during which you can change your mind), and you can still access your Account within these 12 months. You will not be entitled to any refunds of any Fees, pro-rata or otherwise; 

    • Any outstanding balance owed to Wesurance for your use of the Services through the effective date of such termination will immediately become due and payable in full. ; and 

    • All your Products will be taken offline. 

  3. If you purchased a domain name through Wesurance, upon cancellation, your domain would no longer be automatically renewed. Following termination, it will be your sole responsibility to handle all matters related to your domain with the domain provider. 

  4. We reserve the right to modify or terminate the Service, the Terms of Service and/or your Account for any reason, without notice at any time (unless otherwise required by applicable law). Termination of the Terms of Service shall be without prejudice to any rights or obligations which arose prior to the date of termination. 

  5. Without limiting any other remedies, Wesurance may suspend or terminate your account if we suspect that you have engaged in fraudulent activity in connection with the use of the Services. 

  6. Wesurance does not provide refunds. Most of your concerns can be resolved quickly and to everyone’s satisfaction by contacting our Helpdesk staff. For any chargeback-related requests and disputes, If we’re unable to resolve your complaint to your satisfaction (or if we haven’t been able to resolve a dispute we have with you after attempting to do so informally), you and we agree to resolve those disputes through binding arbitration or small-claims court instead of in courts of general jurisdiction. You and we agree that any dispute must be brought in the parties’ individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. 

12. Modifications to the Service and Prices 
  1. Prices for using the Services are subject to change upon 30 days notice from Wesurance. Such notice may be provided at any time by posting the changes to the Wesurance Site (Wesurance.io) or the administration menu of your account via an announcement. 

  2. Wesurance reserves the right at any time, and from time to time, to modify or discontinue the Services (or any part thereof) with or without notice (unless otherwise required by applicable law). 

  3. Wesurance shall not be liable to you or to any third party for any modification, price change, suspension or discontinuance of the service. 

13. Contacting Us 
  1. Questions about the Terms of Service should be sent to contact@wesurance.io

Summary: You are responsible for your Account and any Materials you upload to the Wesurance Service. Remember that if you violate these terms, we may cancel your service. If we need to reach you, we will send you an email.

Summary: The Product Provider is responsible for the Account, is bound by these Terms of Service and is responsible for the actions of others accessing the Account. If you sign up on behalf of your employer, your employer is responsible for your Account. 

Summary: You are not allowed to use the Services for any illegal or sketchy purpose and for any unauthorised use.

Summary: We can modify, cancel or refuse the service at any time. In the event of violating our Acceptable Use Policy or these Terms of Service, we can suspend or terminate the Accounts.

Summary: Both you and Wesurance agree to use the Confidential Information of the other only to perform the obligations in these Terms of Service. Confidential Information must be protected and respected. 

Summary: We are not responsible if you break the law, breach this agreement or go against the rights of a third party, especially if you get sued. Service is “as is”, so it may have errors or interruptions, and we provide no warranties, and our liability is limited. 

Summary: If Wesurance chooses not to enforce any of these provisions at any time, it does not mean that we give up that right later. These Terms of Service make up the agreement that applies to you. This means that any previous agreements between you and Wesurance don’t apply if they conflict with these terms. 

Summary: Anything you upload remains yours and is your responsibility. 

Summary: You can use our range of product templates for your Products at a time. For technical issue, contact Wesurance. 

Summary: A valid payment method (like a credit card) is required for all Account. You will be billed for your Subscription Fees every 30 days. Any Transaction Fees or Additional Fees will be charged to your payment method. If we are not able to process payment of Fees using your payment method, we will try again in 3 days. If we are unable to process payment of Fees on the second attempt, we will make a third and final attempt three days later. If payment of Fees is unsuccessful after three attempts, Wesurance may freeze your Account. You may be required to remit Taxes to Wesurance or to self-remit to your local taxing authority. No refunds. 

Summary: Once termination is confirmed, domains purchased through Wesurance will no longer be automatically renewed. Your database is kept deactivated for 12 months (the grace period during which you can change your mind), and you can still access your Account within these 12 months. We may change or terminate your Account at any time. Any fraud, and we will suspend or terminate your Account. 

Summary: We may change or discontinue the service at any time, without liability.

Introduction

Last updated on: June 15, 2021

Welcome to Wesurance! We’re excited to have you here, but before you start using dtX, we do need you to look through and accept these terms. By signing up for a Wesurance dtX Account (as defined in Section 1) or by using any Wesurance Services (as defined below), you agree to be bound by the following terms and conditions (the “Terms of Service”).

Our services offer our users the ability to easily create and highly functional Insurance products, to manage and promote businesses with partnering companies and have an overall great experience doing so – without being tech-savvy. As detailed below, we offer our users numerous tools and features for creating, publishing distributing products. Any such services offered by Wesurance are referred to in these Terms of Services as the “Services”. Any new features or tools which are added to the current Services shall be also subject to the Terms of Service.

As used in these Terms of Service, “we”, “us” , and “Wesurance” means the applicable Wesurance Contracting Party (as defined in Section 4 below) and “dtX” means the name of service platform offered by Wesurance.

Our contracting entities are listed in the table below along with what law and venue apply in any dispute between you and us:

Country
Wesurance entity
Address
Registration no.
Law
Venue
United Kingdom
Wesurance Limited
55 Station Road, Beaconsfield, Buckinghamshire, HP9 1QL
12744352
England
England
Hong Kong
Wesurance Limited
Level 4 Core E, Cyberport 3, 100 Cyberport Road, Hong Kong
2538267
Hong Kong
Hong Kong
Singapore
Wesurance Pte. Limited
1 Fullerton Road #02-01 One Fullerton Singapore (049213)
201735997G
Singapore
Singapore

If a dispute, chargeback, refund and cancellation arises you may bring an action, depending on your location.

Wesurance reserves the right to update and change the Terms of Service by posting updates and changes to the Wesurance website. You are advised to check the Terms of Service from time to time for any updates or changes that may impact you. and if you do not accept such amendments, you must cease using the Services.

The summaries in each section are provided for convenience only and appear in bold under each section, but these summaries are not legally binding. Please read the Terms of Service, including any document referred to in these Terms of Service, for the complete picture of your legal requirements. By using dtX or any Wesurance services, you are agreeing to these terms. Be sure to occasionally check back for updates.