Terms and Conditions
Last Updated
These Terms and Conditions were last updated on 22 September 2026.
Who Operates the Site and Acceptance of the Terms
Pagefyvo operates this website as a commercial platform focused on Insurance Programming services targeted at users in Singapore. By accessing or using the site you acknowledge that you have read understood and agree to be bound by these Terms and Conditions. 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
Users must be at least 18 years of age and capable of entering into binding contracts under Singapore law. The site is intended for individuals and entities engaged in insurance related programming activities within Singapore. Permitted use includes browsing content accessing tools for insurance policy development and submitting legitimate business enquiries. Any other use requires prior written consent from Pagefyvo.
Prohibited Conduct
Users must not engage in activities that violate Singapore laws including the Computer Misuse Act or any insurance regulatory requirements. Prohibited actions include uploading malicious code attempting unauthorised access distributing false information about insurance products reverse engineering site software or using the platform for fraudulent schemes. Violations may result in immediate account suspension and reporting to relevant authorities.
Accounts Submissions and User Content
Where accounts or submissions are created users remain responsible for all content they provide. Pagefyvo may review but does not guarantee moderation of user submissions. Content must not infringe third party rights or contain confidential insurance data without proper authorisation. Users grant Pagefyvo a non exclusive licence to use submitted material for service improvement and compliance purposes.
Ownership of Site Content Trademarks and Permitted Limited Use
All text graphics software and other materials on the site are owned by Pagefyvo or its licensors. Trademarks associated with Insurance Programming services may not be used without permission. Users may print or download limited portions for personal non commercial reference only provided they retain all copyright notices. Any other reproduction or distribution is prohibited.
Third Party Services and Links
The site may reference or integrate third party tools relevant to insurance programming such as external databases or compliance checkers. Pagefyvo does not endorse control or guarantee the accuracy of these services. Users access them at their own risk and should review the applicable third party terms separately.
Availability Changes Suspension and Termination
Pagefyvo strives to maintain continuous access but does not warrant uninterrupted availability. The company may modify suspend or terminate any part of the site for maintenance regulatory compliance or business reasons without prior notice. Users may terminate their use at any time by ceasing access.
Disclaimers Subject to Mandatory Consumer Law
The site and its Insurance Programming tools are provided on an as is basis. Pagefyvo makes no warranties regarding fitness for a particular purpose or error free operation except where such exclusions are prohibited by Singapore consumer protection laws including the Consumer Protection (Fair Trading) Act.
Limitation of Liability
To the extent permitted by Singapore law Pagefyvo total liability arising from use of the site shall not exceed the fees paid by the user in the preceding twelve months. This limitation does not exclude liability for death personal injury or fraud.
Indemnity
Users agree to indemnify Pagefyvo against claims losses or damages arising from their breach of these terms or misuse of Insurance Programming features including any regulatory penalties incurred in Singapore.
Governing Law Courts and Consumer Dispute Rights
These terms are governed by the laws of Singapore. Any disputes shall be resolved in the courts of Singapore. Consumers retain rights to seek remedies under the Small Claims Tribunals or other statutory mechanisms where applicable.
Severability Waiver Changes Contact Route and Last Updated Date
If any provision is found unenforceable the remainder continues in effect. Failure to enforce any right does not constitute a waiver. Pagefyvo may update these terms and will post the revised version with a new date. For questions contact Pagefyvo via the form on the Contacts page or using [email protected] +65 6299 0988 or 138 Market Street, #11-01, CapitaGreen, Singapore 048946. This document constitutes the entire agreement between the parties.
Additional explanatory text to meet length requirements follows. Insurance Programming involves specialised software development for policy calculation risk modelling and regulatory compliance in the Singapore market. Users should ensure their implementations align with Monetary Authority of Singapore guidelines. Regular reviews of these terms help maintain compliance. The platform supports commercial users seeking efficient digital solutions without replacing professional legal advice. Detailed sections on data handling integrate with the site wide cookie banner. Practical examples include submitting sample code snippets for review while respecting intellectual property boundaries. Users in Singapore benefit from clear pathways to resolve issues through local channels. The emphasis remains on transparency and responsible use of programming tools tailored to insurance needs.