General terms

Eligibility to use CareLabPlan

Services are available to individuals who can form legally binding contracts in Malaysia and meet specific eligibility criteria for insurance advice and purchase.

Users must be at least 18 years old to register for an account or request personalized planning services through CareLabPlan.

You agree to use CareLabPlan in compliance with applicable laws and not for any fraudulent or unlawful purpose. Misuse of the platform may result in account suspension.

CareLabPlan operates primarily in Malaysia. Availability of products may vary by jurisdiction and local regulatory requirements; some services may not be accessible outside Malaysia.

Account terms

An account allows access to personalized planning tools, document storage and communications with advisors. You are responsible for maintaining accurate information and safeguarding account credentials.

Provide truthful and complete information when registering and when submitting documents for insurance planning. Incorrect or misleading information can affect the suitability of advice.

Protect your login credentials and notify CareLabPlan immediately if you suspect unauthorized access. We employ security measures, but you must take reasonable steps to secure your account.

Accounts are personal and non-transferable. Sharing credentials is discouraged and may result in restricted access or closure of the account.

If you believe your account has been compromised, contact our support team immediately so we can secure the account and take appropriate steps to protect your data.

We may suspend or terminate accounts that violate these terms or pose a security or compliance risk. Suspension may limit access to certain features while issues are reviewed.

Service overview

CareLabPlan provides educational resources, planning tools and advisory services to help seniors and their families assess insurance needs, compare options, and prepare documentation for insurers.

Features and offerings may be added, modified or removed to reflect market conditions and regulatory requirements. We will notify users of major changes through the site or email.

While we aim to maintain continuous access, service interruptions may occur due to maintenance, updates or events beyond our control. We do not accept liability for temporary unavailability.

User conduct rules

Users must adhere to conduct standards that maintain a safe, trustworthy environment for planning and advice.

• Do not submit false, fraudulent or misleading information.
• Respect privacy and confidentiality of other users.
• Do not attempt to access unauthorized areas of the platform.
• Refrain from abusive, harassing or discriminatory language in communications.
• Follow applicable laws when using CareLabPlan services.
• Do not use the platform for unsolicited commercial communications.
• Report suspected misuse or security issues promptly to our support team.

User content

Content you upload, such as documents or notes, remains your responsibility. You grant CareLabPlan certain rights to store and process this content to deliver services.

You retain ownership of your uploaded content subject to third-party rights. Ensure you have the necessary permissions to share documents or personal data.

By uploading content you grant CareLabPlan a limited license to host, reproduce and transmit the content as necessary to provide services and for backups.

You are responsible for the accuracy and legality of uploaded materials and must not upload content that violates laws, intellectual property rights or third-party privacy.

We may remove content that breaches these terms or is unlawful. You may request removal of your content; removal requests will be processed in line with our retention and legal obligations.

Intellectual property

CareLabPlan and its licensors retain ownership of all proprietary materials, activity and platform content. Use of our intellectual property requires express permission.

• Do not copy or reproduce platform content without authorization.
• Do not create derivative products that compete with CareLabPlan services.
• Respect activity and branding; do not imply endorsement by CareLabPlan.

Paid services

Certain advisory services, reports and comparison tools are provided for a fee. Paid services are described at point of sale and are subject to these terms and any service-specific agreements.

Prices are listed in applicable communications and include applicable fees. Pricing may vary based on the scope of advice, document preparation and time required to complete planning work.

Payments may be accepted by card, bank transfer or approved payment partners. Payment information is processed securely through third-party payment providers.

Subscription plans, if offered, will renew automatically at the stated intervals until canceled. You may cancel future renewals through your account settings or by contacting support.

Refunds are considered on a case-by-case basis depending on the service delivered. If you are dissatisfied with a paid service, contact CareLabPlan support to discuss resolution options.

You may cancel paid services or subscriptions according to the cancellation terms provided at purchase. Cancellations do not always entitle you to a refund for services already performed.

Users are responsible for any taxes applicable to fees charged for paid services. We will apply taxes as required by Malaysian law where applicable.

CareLabPlan may adjust prices for paid services. Existing subscriptions will be notified in advance of material price changes before the next billing cycle.

Failure to pay fees may result in suspension of access to paid features until outstanding balances are settled.

Disclaimer

Information provided by CareLabPlan is for general planning and educational purposes. It does not replace personalized legal, tax or medical advice. Users should consult qualified professionals for decisions with material business or legal consequences.

Limitation of liability

To the extent permitted by law, CareLabPlan’s liability for direct damages arising from use of the platform is limited to the fees paid for the relevant service during the prior 12 months. We are not liable for indirect, incidental or consequential losses.

Third-party providers

CareLabPlan may work with insurers, consultant and technology partners. These parties act independently and have their own terms and privacy practices. We are not responsible for third-party actions or offerings.

Termination

Either party may terminate service use by following the account closure procedures. CareLabPlan may terminate access for violations of these terms or where required by law.

On termination, access to tools and stored content may be removed. We will handle data in accordance with our privacy policy and legal retention requirements.

Privacy compliance

CareLabPlan handles personal data in accordance with the Privacy Policy published on our site. By using the services you consent to such data handling as described in that policy.

Communications

By providing contact details you consent to receive communications related to account management, services, and offers where permitted. You may manage communication preferences in account settings.

Changes to terms

We may update these Terms of Service. Significant changes will be communicated and the revised terms will include an updated effective date. Continued use implies acceptance of the updated terms.

Governing law

These terms are governed by the laws of Malaysia. Disputes will be subject to the exclusive jurisdiction of Malaysian courts, except where otherwise required by applicable law.

Dispute resolution

If a dispute arises, contact CareLabPlan support to seek an amicable resolution. Where direct resolution is not possible, disputes may be resolved through the courts or alternative dispute resolution in Malaysia.