Terms and Conditions

Last updated on 21 September 2026.

Who Operates the Site and Acceptance of the Terms

buzzjournix operates this website from Singapore. By accessing or using the site you agree to these terms. If you do not agree you must stop using the site immediately. Continued use after any update constitutes acceptance of the revised terms.

Eligibility and Permitted Use

The site is intended for users located in Singapore who are at least eighteen years old. You may use the site only for lawful insurance programming purposes such as exploring policy tools and related resources. Commercial use beyond personal or internal business evaluation requires prior written consent from buzzjournix.

Prohibited Conduct

You must not attempt to interfere with site security, upload malicious code, scrape content at scale, or misrepresent your identity. You must not use the site to provide advice that contravenes Singapore financial regulations or to promote unlicensed insurance activities.

Accounts, Submissions and User Content

Where accounts or submission forms are offered you are responsible for keeping login details secure. Any content you submit must be accurate and must not infringe third-party rights. buzzjournix may remove submissions that breach these terms without notice.

Ownership of Site Content, Trademarks and Permitted Limited Use

All text, graphics, software and other material on the site remain the property of buzzjournix or its licensors. You may view and print limited extracts for personal use only. Any other reproduction or distribution requires express permission. Trademarks displayed must not be used without authorisation.

Third-Party Services and Links

The site may contain links to external services or tools. These are provided for convenience only. buzzjournix does not endorse, control or guarantee the accuracy of any third-party content or service and accepts no liability for their use.

Availability, Changes, Suspension and Termination

buzzjournix aims to maintain continuous availability but does not guarantee uninterrupted access. The site may be suspended or modified at any time for maintenance, legal compliance or other reasons. buzzjournix may terminate your access if you breach these terms.

Disclaimers Subject to Mandatory Consumer Law

The site and its tools are provided on an as-is basis. To the extent permitted by Singapore law buzzjournix excludes warranties of merchantability and fitness for a particular purpose. Nothing in these terms excludes liability for death, personal injury caused by negligence, or fraud.

Limitation of Liability

Subject to applicable law buzzjournix total liability arising from your use of the site is limited to the amount you paid to access the site in the twelve months preceding the claim. This cap does not apply to liabilities that cannot be limited under Singapore statutes.

Indemnity

You agree to indemnify buzzjournix against claims, losses and expenses arising from your breach of these terms or misuse of the site, except to the extent caused by buzzjournix own negligence or wilful misconduct.

Governing Law, Courts and Consumer Dispute Rights

These terms are governed by the laws of Singapore. Disputes shall be resolved in the courts of Singapore. Nothing affects your rights under the Consumer Protection (Fair Trading) Act or other mandatory consumer legislation.

Severability, Waiver, Changes, Contact Route and Last-Updated Date

If any provision is found invalid the remaining terms continue in full force. Failure to enforce a provision does not constitute a waiver. buzzjournix may update these terms; the current version will be posted with a new date. For questions contact buzzjournix using the form on the Contacts page or via [email protected], +65 6291 4568 or 113A Upper Paya Lebar Road, Singapore 534832.