Terms and Conditions

Last updated: 22 September 2026.

Who Operates the Site and Acceptance of the Terms

journaflixzo operates this website as a commercial platform providing Insurance Programming services targeted at users in Singapore. By accessing or using the site you agree to be bound by these Terms and Conditions. If you do not accept these terms you must stop using the site immediately. Continued use constitutes ongoing acceptance.

Eligibility and Permitted Use

Users must be at least 18 years of age and legally capable of entering into contracts under Singapore law. The site is intended for individuals and businesses seeking Insurance Programming solutions. You may use the site only for lawful purposes related to insurance software development, policy configuration tools, and associated professional services. Commercial resale or redistribution of any site materials without prior written consent is prohibited.

Prohibited Conduct

You must not upload malicious code, attempt to gain unauthorised access, scrape content, or interfere with the site's operation. Do not post defamatory, misleading, or infringing material. Any activity that violates Singapore statutes including the Computer Misuse Act or the Personal Data Protection Act is strictly forbidden. journaflixzo reserves the right to monitor usage and terminate access without notice for breaches.

Accounts, Submissions and User Content

Where accounts are created, you are responsible for maintaining the confidentiality of login details. Submissions through the contact form or blog comments must be accurate and non-infringing. journaflixzo may moderate or remove content that violates these terms. You retain ownership of your submissions but grant journaflixzo a non-exclusive licence to use them for operating and improving the service.

Ownership of Site Content, Trademarks and Permitted Limited Use

All text, graphics, software code, and Insurance Programming tools on the site are owned by journaflixzo or its licensors. Trademarks and logos may not be reproduced without permission. You may print or download limited portions for personal or internal business use only, provided you retain all copyright notices. Any other reproduction requires express written approval.

Third-Party Services and Links

The site may contain references to third-party insurance platforms, software libraries or external resources. These are provided for convenience and do not constitute endorsement or warranty. journaflixzo is not responsible for the availability, accuracy or practices of any linked third-party services. Users should review the terms of such services separately.

Availability, Changes, Suspension and Termination

journaflixzo aims to maintain continuous access but does not guarantee uninterrupted availability. The site may be suspended for maintenance, security reasons or legal requirements. journaflixzo may modify, suspend or terminate any part of the service at its discretion. Upon termination your right to use the site ceases immediately.

Disclaimers Subject to Mandatory Consumer Law

Insurance Programming tools and related information are provided on an as-is basis. While journaflixzo takes reasonable care, no warranty is given regarding accuracy, completeness or fitness for a particular purpose. Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under Singapore law including the Unfair Contract Terms Act.

Limitation of Liability

To the maximum extent permitted by law, journaflixzo and its officers shall not be liable for indirect, incidental or consequential damages arising from use of the site. Direct liability is limited to the amount paid by you for services in the preceding twelve months. This limitation does not apply to non-excludable rights under Singapore consumer protection legislation.

Indemnity

You agree to indemnify and hold harmless journaflixzo against any claims, losses or expenses arising from your breach of these terms, misuse of the site, or infringement of third-party rights. This indemnity survives termination of your access.

Governing Law, Courts and Consumer Dispute Rights

These terms are governed by the laws of Singapore. Any dispute shall be subject to the exclusive jurisdiction of the courts of Singapore. Nothing affects your statutory rights under the Consumer Protection (Fair Trading) Act or other applicable consumer legislation. For disputes you may also contact the Singapore Mediation Centre or relevant regulatory bodies.

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 any right does not constitute a waiver. journaflixzo may update these terms periodically; continued use after changes implies acceptance. The current version is dated 22 September 2026. For questions contact journaflixzo via the contact form on the Contacts page or by email at [email protected].