The Terms and Conditions contained herein and the amendments thereto shall govern the use of Kurnia Insurance (Thailand) Co. Ltd. (hereinafter referred to as KIT) Website and the services provided. By accessing to any pages on this Website (other than reading this Terms and Conditions for the first time), it represents that you have read, understood and agreed to comply with all the Terms and Conditions hereof. If you do not accept these Terms and Conditions, please immediately discontinue your access to this Website and/or use of the services.

Definition
KIT's Website is the interactive on-line service operated by KIT on the Internet, consisting of information, services and contents provided by KIT, affiliates and other third party.

Amendments & Variation
KIT reserves the right to modify these Terms and Conditions at any time in its sole discretion, which shall be effective immediately. You are bound by any such modifications and should therefore periodically read this page to review the current Terms and Conditions to which you are bound. If the modification to these Terms and Conditions is unacceptable to you, please immediately discontinue your access to this Website and/or use of the services.

Modification to the Website
KIT reserves the right at any time to make changes to the Website and/or the services provided with or without notice. KIT shall not be liable to you or any third party for any modification, suspension or discontinuance of the Website.

Third Party Link and Content
This Website may contain links to third party Website and contents from third party and users of KIT Website. KIT makes no representation and expressly disclaim responsibilities to any opinions, advice, statements, products and services, offers or other information or content expressed or made available by third parties and users of KIT Website as that are not of KIT. Neither KIT guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose. Under no circumstances will KIT be liable for any loss or damage caused by your reliance on information obtained through this Website.

Lawful Purpose
You may only use the Website for lawful purpose only. Transmission and/or posting of any material in violation of any international, Federal, State or Local regulations are prohibited. This includes, but is not limited to copyrighted materials, material legally deemed to be threatening or obscene, pornographic, profane or material protected by trade secrets or which, without KIT's express prior approval, contains advertising or any solicitation with respect to products or services or membership or subscription to other on-line information services competitive with KIT's Website. This also includes links or any connection to such materials. Any conduct in KIT's view that restrict or inhibits any other KIT Website user from using or enjoying the Website will not be permitted.

Copyrights
The entire contents included in KIT's Website, including but not limited to text, graphics, logos, buttons, icons, images, video, music and sound are protected under the Thailand copyright, cyber and trade mark law. No part of the contents of KIT Website may be used, published, transmitted, modified, transferred or sold, created as derivative works or in any way exploited without express permission from KIT and the respective copyright owners. You may download materials for personal use only provided that it is not for the purpose of private or commercial gain.

You shall not upload, post or otherwise make available on KIT's Website any material protected by copyright, trademark or other proprietary right without express permission of the respective owners. You shall be solely liable for any damages resulting in any infringement of copyrights, proprietary rights, or any other harm resulting from such a submission. By submitting materials to any public area of KIT's Website, you automatically grants, or warrant that the owner of the material expressly grants KIT rights and licenses to use, reproduce, modify, adapt, publish, translate and distribute such material in whole or in part. You also permit any other users of KIT's Website to access, view, store or reproduce the materials for their own use. You also grant KIT the right to edit, copy, publish and distribute any material that you have made available in KIT's Website.

Disclaimer
You understand and agree that use of KIT Website is at your sole risk. Neither KIT, its employees, agents, third party content providers or merchants warrant that the Website will be uninterrupted, error free or free from viruses or other harmful components nor do they make any warranty as to the result that may be obtained from the use of KIT's Website, or as to the accuracy, reliability or content of information, service or merchandise provided by KIT's Website. In no event shall KIT be liable for any direct, indirect, incidental, punitive or other consequential damages or any damages for loss of profits, use, data, goodwill or other intangibles, arising from or in any way connected with these terms, the use of KIT's Website or the materials, the licensed marks, or any information, goods or services obtained on or from the Website, whether or not KIT is advised of the possibility of such damages.

Indemnification
You agree to defend, indemnify, save and hold KIT, its employees, agents, third party content providers or merchants harmless from and against any demands, liabilities, losses, costs and claims, including reasonable attorneys' fees, that may arise or resulting from the use of KIT Website or your breach or violation of these terms. You shall use your best efforts to cooperate with us in the defense of any claim.

Monitoring
KIT shall have the right, but not the obligation, to monitor the content of KIT Website, to determine compliance with this Agreement and any operating rules established by KIT and to satisfy any law, regulation or authorised government request. KIT shall have the right in its sole discretion to edit, refuse to post or remove any material submitted to or posted on KIT Website. Without limiting the foregoing, KIT shall have the right to remove any material that KIT, in its sole discretion, finds to be in violation of the provisions hereof or otherwise objectionable.

Termination
Both parties may terminate this Agreement at any time. Without limiting the foregoing, KIT shall have the right to immediate terminate your account in the event of any conduct by you, which KIT, in its sole discretion, consider to be unacceptable, or in the event of any breach by you of this Agreement.

Governing Law
This Agreement and any operating rules for KIT Website established by KIT constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. The Agreement shall be construed in accordance with the laws of Thailand and the parties agree to submit to the exclusive jurisdiction of the courts of Thailand for the purpose of hearing and determining any dispute arising out of this Agreement.