Terms & Conditions

1. Definitions

In these Terms and Conditions, the following terms have the meanings set out below:

• "Agreement" means these Terms and Conditions as amended from time to time.
• "Service" means the insurance law advisory, policy review, and dispute litigation services provided by Perisai Legal, and the website at perisail.sbs.
• "User" means any individual or entity that accesses this website or submits an enquiry.
• "We", "Us", "Our" means Perisai Legal, a legal practice registered in Malaysia and operating from No. 17, Jalan Tun H. S. Lee, 50000 Kuala Lumpur.
• "Content" means all text, graphics, data, and other material published on this website.

2. Acceptance of Terms

By accessing this website or submitting an enquiry, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use this website.

You must be at least 18 years of age to use this website or engage our services. By using this website, you represent that you have the legal capacity to enter into a binding agreement.

3. Description of Services

Perisai Legal provides three primary services: insurance claim advisory and filing, insurance policy review and coverage analysis, and insurance dispute litigation and arbitration. These services are described in detail on our Solutions page.

Our services are available to individuals and business entities in Malaysia. We may, at our discretion, accept engagements from clients outside Malaysia where the matter is governed by Malaysian insurance law.

The website provides general information about our practice. Nothing on this website constitutes legal advice. Legal advice is provided only through a formal engagement agreement.

4. User Responsibilities

When using this website or engaging with Perisai Legal, you agree to:

• Provide accurate and complete information in all enquiries and engagements
• Not use this website for any unlawful purpose
• Not attempt to gain unauthorised access to any part of our website or systems
• Not reproduce, distribute, or modify any content from this website without our prior written consent
• Not submit false or misleading information in connection with any engagement

5. No Legal Advice on Website

The content on this website is provided for general information purposes only. It does not constitute legal advice and should not be relied upon as such. The law applicable to your specific situation may differ from the general information provided here.

If you require legal advice in relation to an insurance matter, please contact us to discuss a formal engagement.

6. Intellectual Property

All content on this website, including text, graphics, and structural elements, is owned by or licensed to Perisai Legal. You may access and read the content for personal, non-commercial purposes only. You may not copy, reproduce, republish, or distribute any content without our prior written permission.

7. Engagement Terms for Legal Services

When you engage Perisai Legal for a specific service, a separate engagement letter or agreement will be issued setting out the specific scope of work, fees, timeline, and terms applicable to that engagement. Those engagement-specific terms govern the delivery of legal services.

Payment

Fees are as stated in the engagement agreement. Payment is required in Malaysian Ringgit (MYR). Our accepted payment methods will be communicated in the engagement letter. Fees are due within the timeframe specified in the engagement agreement.

Refund Policy

Fees paid in respect of work already commenced are non-refundable. If an engagement is terminated before work commences, fees paid in advance will be refunded less any administrative costs incurred. We will communicate the applicable terms in each engagement agreement.

Confidentiality

We maintain strict confidentiality over client information and engagement materials, consistent with our obligations under the Legal Profession Act 1976 and the rules of professional conduct issued by the Malaysian Bar Council.

8. Disclaimer of Warranties

This website and its content are provided on an "as is" basis. We make no representations or warranties of any kind, whether express or implied, regarding the accuracy, completeness, or suitability of the content for any particular purpose.

We do not warrant that this website will be available without interruption or that it will be free from errors or harmful components.

9. Limitation of Liability

To the extent permitted by Malaysian law, Perisai Legal shall not be liable for any indirect, incidental, or consequential loss arising from your use of this website or reliance on its content.

Our liability in connection with any engagement is limited to the fees paid by you for that specific engagement, except where liability cannot be excluded by law.

10. Indemnification

You agree to indemnify Perisai Legal against any claims, losses, or expenses (including legal costs) arising from your breach of these Terms and Conditions or your misuse of this website.

11. Termination

We may suspend or terminate your access to this website at any time, without notice, if we believe you have breached these Terms and Conditions. Termination of website access does not affect any rights or obligations arising under an existing engagement agreement.

12. Dispute Resolution

Any dispute arising from these Terms and Conditions or your use of this website shall first be subject to good-faith negotiation between the parties. If not resolved within 30 days, either party may refer the dispute to mediation or litigation in the courts of Malaysia.

These Terms and Conditions are governed by the laws of Malaysia. The courts of Malaysia have exclusive jurisdiction over any disputes arising from these terms.

13. General Provisions

• Entire Agreement: These Terms and Conditions, together with any engagement agreement, constitute the entire agreement between you and Perisai Legal.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force.
• Waiver: Our failure to enforce any provision does not constitute a waiver of that provision.
• Assignment: You may not assign your rights under these Terms without our prior written consent.

14. Changes to These Terms

We may update these Terms and Conditions from time to time. The "Last Updated" date will be revised when changes are made. Continued use of this website following any update constitutes your acceptance of the revised terms.

15. Contact Information

For questions about these Terms and Conditions, please contact us:

• Email: [email protected]
• Post: Perisai Legal, No. 17, Jalan Tun H. S. Lee, 50000 Kuala Lumpur, Malaysia
• Phone: +60 3-2074 6138