Rabbit Care Company Limited, Rabbit Care Broker Company Limited and ASK Direct Group Company Limited (“Rabbit Care” or “we”), via its website rabbitcare.ph (the “website”), provides online comparison services and campaigns in relation to insurance and financial products as more specifically described on the website. The website allows consumers to research and compare insurance, financial, and other products or services.

Our partners, among others, include insurance companies, banks and other financial service providers, mobile operators, property developers, clinics, and car dealers. The services we offer on our website are free of charge for the users; if a user purchases a product from one of our partners through the website, we will receive a commission. Rabbit Care acts as a broker and intermediary for our partners; we do not underwrite any insurance or financial products and are not acting as a bank or an insurance company.

In addition to online comparison services for users of the website, we conduct direct marketing campaigns for our partners (cross-line marketing) and provide data analytics services to our partners. For these campaigns, we collect and/or store customer information, which users provide and consent to us when using the website. Any personal data which users provide to us through the website will be collected and used in accordance with our privacy policy (the “Privacy policy”), which can be accessed here.

Unless the context requires otherwise, in these terms and conditions, the following expressions shall have the following meaning:

“OIC” means the office of the insurance commission in Thailand;

“Product” or “Products” means the products shown on the website and provided or marketed by Rabbit Care on behalf of Rabbit Care’s business partners;

“Rabbit Care”, “we”, “our”, “us” means Rabbit Care Company Limited and its subsidiaries Rabbit Care Broker Co. Ltd. (Non-Life insurance broker license no. Wor00021/2557, Life insurance broker license no. Chor00011/2559 issued by the OIC), as well as ASK Direct Group Company Limited, incorporated and existing under the laws of Thailand;

“Services” means providing special campaigns, consultation, and unbiased comparison services in relation to the products, and providing customers with a distribution channel for the products via the website;

“Terms of Use” means these terms and conditions as well as all amendments, additions, restatements, or modifications which may be made from time to time by Rabbit Care;

“Partners” means, amongst others, banks and other financial service providers, mobile operators, property developers, clinics, and car dealers whose products Rabbit Care offers through the website; and

“Website” means and includes rabbitcare.ph and all online communication channels operated by Rabbit Care.

These are the terms and conditions (the “Terms of use”) for your use of all services and features on the website and other sites owned and controlled by Rabbit Care. By using the website, you agree to these terms of use and our privacy policy. If you do not agree with any of these, you should not use our website and stop accessing the website immediately. If you violate any of these terms of use, you are no longer permitted to access and use the website with immediate effect.

In addition to our website, we also like to interact with you on third party sites where we post content or invite your feedback, such as www.facebook.com/RabbitCare as well as mobile applications and instant messengers such as Line ("Third party sites"). We do not control those third party sites, and these terms of use and our privacy policy do not apply to companies that Rabbit Care does not own or control, or to the actions of people that Rabbit Care does not employ or manage. You should always check the terms of use posted on third party sites.

We reserve the right to change or amend these terms of use from time to time. Such amendment will be notified through the website. The terms of use that applied at the time you used the services will apply. Your continued use of the website following posting of any changes or modifications constitutes your acceptance of such changes or modifications and if you do not agree with these changes or modifications, you must immediately cease using the website. For this reason, you should frequently review these terms of use, including their dates, to understand the terms and conditions that apply to your use of the website.

1. You may access any content on the website only as permitted under these terms of use and the privacy policy and you agree to not engage in the use, copying or distribution of any of the content of the website other than as expressly provided herein
   
   
2. The website is provided for your personal, non-commercial use only. The use of the website for commercial purposes, illegal or unlawful activities and/or any activities which infringe our copy rights is strictly prohibited.
   
   
3. You are prohibited to use the website:
   
   
   1. to harm, threaten, defame, or harass any persons;
      
      
   2. to seek, obtain, check, or modify any other visitors or users’ record or information;
      
      
   3. to interrupt, block, interfere with, or disrupt the access or use of the website or services by other visitors or users of the website or cause unreasonable, inappropriate, or disproportionately large load on our communications, networks, and systems;
      
      
   4. to interfere with, alter, or reverse engineer any part of the website; or
      
      
   5. to use the website or our services in a way that is damaging to our reputation or is taking advantage of us.
      
      You agree that you will not circumvent, disable or otherwise interfere with security-related features of the website or features that prevent or restrict use of any content or enforce limitations on use of the website or the content therein. You may not interfere with or disrupt the website, or servers or networks connected to the website, or disobey any requirements, procedures, policies or regulations of networks connected to the website.
      
      
4. The products to which the services relate can be ordered and provided only within Thailand. Unless expressly stated otherwise, any prices quoted on the website are in Thai Baht currency and valid and effective only in Thailand.
   
   
5. Minors may use the website and the services only after they have obtained the consent of their legal guardian.
   
   
6. We reserve the right to deny or restrict access to this website to any person, or to block access from any internet source or address or country to this website as well as to terminate and delete a user account without prior notice if the website is used in violation of these terms of use or if we decide in our sole discretion that it is in our best interest to do so.
   
   
7. We will make the website as accessible as possible, but we do not guarantee this. If you have any difficulty in accessing or using the website, please contact us. We may add, modify, edit, remove, or delete any contents, information, or materials contained in the website at any time we deem appropriate and necessary, and without notice.
   
   
8. We have applied and implemented internet security standards to the website. You can be confident that the information provided by you is encrypted using latest standard security technology. While we will use our best endeavors to prevent any unauthorized entry to this website, we shall not be liable for any damages or losses whatsoever or however caused to you if any third party gains unauthorized access to this website.
   
   
9. Despite our best efforts to keep the website free from any malware and other harmful code, we make no representation and warranty that the website contains no viruses, malware, errors, or anything that is harmful to your device, network, system, or technology at all times. viruses, malware, errors, and such harmful things will be removed and corrected at our best endeavors and as soon as we can.

1. This website may contain links to other websites and pages which are not maintained by Rabbit Care, including but not limited to the products offered by our partners. By clicking on or activating such links, you acknowledge that Rabbit Care does not exercise control over any data or any information which you give to any other entity after leaving this website. Any access to such other websites is entirely at your own risk. Rabbit Care assumes no liability for any damages or loss arising from you accessing such other websites.
   
   
2. The website may contain links to offers or promotions provided by partners which we provide for your convenience. Rabbit Care does not endorse any such offers or promotions or any opinion, recommendation or advice expressed by our partners in regards to such offers and promotions. Rabbit Care disclaims all liability with respect to such content.
   
   
3. Links to the website from any other websites require our prior consent. We reserve the right to request links to this website to be removed if the same have been placed without our consent.
   
   
4. Rabbit Care uses cookies on the website to identify you as a user and to improve our website and services. A cookie is a small data file that is transferred to the device you use to access the website. It allows us to store your account information, IP address, web traffic, number, date, and time of your visit to the website. You may disable cookies at your discretion via the website. If cookies are disabled, it may limit your access to the website and/or your user experience.

1. Rabbit Care is the legitimate owner of the website. All intellectual property rights (including but not limited to copyrights, trademarks, patents, design rights and all other forms of intellectual property rights), in the website are owned by or licensed to Rabbit Care. Nothing in these terms of use constitutes a transfer of any intellectual property rights.
   
   
2. Nothing herein will grant you any legal rights in the website other than as necessary to enable you to access and use the website and the services in accordance with these terms of use.
   
   
3. Permission is granted to electronically copy and to print in hard copy portions of the website for the sole purpose of using the services. Any other use of materials on the website - including reproduction for purposes other than those permitted above, modification, distribution, republishing, transmission, display or performance - without the prior written permission of Rabbit Care is strictly prohibited.
   
   
4. For any content that you submit, you grant Rabbit Care a worldwide, perpetual, irrevocable, royalty-free, sub-licensable and transferable right and license to use, reproduce, communicate, distribute, copy, modify, delete in its entirety, edit, adapt, publish, translate, publicly display, publicly perform, use, create derivative works from and/or sell and/or distribute such content and/or incorporate such content into any form, medium or technology without compensation to you. This license will survive the termination of these terms of use and your use of the website.

1. Disclosure of Information
   
   
   1. The services are intended to assist you in finding and comparing the products offered by our partners. Rabbit Care is an intermediary but not an underwriter of the products. Your answers to the questions provided in the website are required in order to obtain a quotation for any of the products in accordance with your interests and requirements. It is your responsibility to provide accurate, and complete answers to these questions. If you fail to provide accurate and complete answers, the quotation may be incomplete and/or you may no longer qualify for the respective product.
      
      
   2. In case you decide to purchase a product from our partners, it is your responsibility to communicate with the respective partner and ensure that the information and data you provide is accurate, complete, and correct, and not misleading. You will ensure that all relevant facts have been disclosed to our partners to allow them to evaluate whether or not you qualify for your selected product. In case of any mistakes or errors, you should immediately inform the respective partner. We assume no responsibility or liability for any incorrect, inaccurate, or incomplete information you provided to a partner either through the website or otherwise.
      
      
   3. If any other person’s information or data is required, you are obligated to ensure that you have been permitted and authorized by the owner of such information or data to use such information or data. We have no responsibility or liability for any claims made by such owner in connection with your disclosure of such information or data without permission and authorization of such owner.
      
      
2. Security
   
   
   1. You will ensure that any device you use for accessing the website is free from malware or viruses or anything which may cause or increase the chance of information being stolen, or which may damage any part of the website or any servers or networks on which it is hosted.
      
      
   2. You are responsible for ensuring your account, username and password remain confidential, current, complete and accurate. You are responsible for all activities that occur under your account, username and/or password. If you access and use the website on behalf of another person, you represent that you have the authority to bind that person as the principal to these Terms of Use. To the extent that you do not have such authority, you agree to be bound to these Terms of Use and you accept liability for harm caused by any wrongful use of the website or the services.
      
      
3. Products displayed on the website
   
   
   1. You acknowledge that all of the products that are displayed or advertised on the website are offered by our partners and are not under our control. The services and all material and information presented by Rabbit Care on the website are intended to be used for personal educational or informational purposes only. It is your responsibility to conduct all research and additional enquiries that you deem necessary to fully understand the details of a product and to assess whether a product is suitable and appropriate for you. We assume no responsibility for your purchase of any of the products, or that the products are suitable for your specific needs or particular purpose. In some cases, partners may change their products without providing us notice in advance. We therefore cannot represent and warrant the availability of any products presented on the website.
      
      
   2. The purchase of any of the products will subject you to separate terms and conditions governing such product. It is your responsibility to read such terms and conditions carefully to understand relevant restrictions, exclusions, obligations, cancellation requirements, interest rates, applicable fees, charges and other specifics of the respective product.
      
      
   3. You acknowledge that Rabbit Care providing the website and the services does not constitute or imply financial or other advice with regards to a product nor the endorsement, sponsorship or recommendation of such product by Rabbit Care.
      
      
   4. You acknowledge and understand that if you have any specific inquiries relating to a product or if you are dissatisfied with a product and wish to lodge a complaint you will have to contact the relevant partner providing such product. Our customer service team will be able to provide contact details if required.
      
      
   5. Cancellation and Refunds policy: in compliance with the OIC

The collection, use, processing, or disclosure of your personal information or data is subject to our privacy policy, as amended from time to time and all data privacy laws applicable to Rabbit Care. In case of any enquiries regarding your personal data, please contact:

Rabbit Care Company Limited
1, Q. House Lumpini Building, 29th Floor, South Sathorn Road, Thungmahamek, Sathorn, Bangkok, Thailand, 10120
Phone: 084-021-9999
Email: [email protected]

Calls may be recorded for training and quality improvement purposes. The operating hours are Monday to Friday, 9.00 am to 6.00 pm.

1. The services are provided based on automated computer processes and the use of the same is at your own risk. To the maximum extent permitted by applicable law, we disclaim all liability for damages, injury and losses that you may incur from the use of services and/or the website.
   
   
2. Rabbit Care, its shareholders, directors, officers, employees, staff, and agents disclaim all responsibility and liability for any claim that you may have in connection with a product or that would be otherwise unexpected or unreasonable. This will not limit any claim you may have against the provider of the product under consumer protection legislation or otherwise.

You agree to indemnify and hold Rabbit Care and its shareholders, directors, officers, employees, staff, and agents harmless from and against all actions, proceedings, claims, losses, liabilities, penalties, charges, reasonable costs and expenses, damages, and third party claims based on, arising out of, or resulting from:

1. your use of and access to the website and the services;
   
   
2. your breach of any provision of these terms of use;
   
   
3. your violation of any law or the rights of a third party (including, without limitation, any copyright, property or privacy right); or
   
   
4. any claim that any content you submitted to Rabbit Care caused damage to a third party.
   
   This indemnification obligation will survive the termination of these terms of use and your use of the website and the services.

In case of your violation of any provision of these terms of use, we reserve our right to take appropriate action against you, including but not limited to suspending your access to and use of the website and services, blocking any device using your IP address from accessing the website, and/or taking other action as permitted pursuant to these terms of use and applicable law. In addition, we reserve our rights to claim for any damages or losses incurred in relation to your violation of these terms of use.

1. These terms of use along with our privacy policy constitute the entire agreement between you and Rabbit Care, which supersedes all other prior agreements or statements, oral or written, relating to the subject matter of these terms of use.
   
   
2. No delay or omission on our part in exercising our right against you according to these terms of use shall be construed as a waiver of such right or any other right contained herein nor shall any delay or omission or waiver of any right on any one occasion be deemed a bar to or waiver of the same or any other rights on any subsequent occasion.
   
   
3. The invalidity or unenforceability of any provision of these terms of use shall not affect the validity or enforceability of any other provision.

These terms of use shall be construed and governed by the laws of Thailand. Any dispute that arises out of or in connection with these terms of use shall be referred to the competent courts of Thailand.