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Terms and Conditions

Terms & Conditions of Use


By accessing Ottermise (“Application”), you agree to be bound by these Terms & Conditions of Use (this “Agreement”). If you wish to visit this Application or make use of our services provided, please read this Agreement carefully. If you do not accept and agree to be bound by all of the terms and conditions of this Agreement or you do not meet or comply with its provisions, do not use this Application or our services. This Agreement also includes our Privacy Policy and any notices regarding this Application.


Proprietary Rights

Ottermise is fulfilled by our licensed partners and relevant Third Party Vendors we work with. Ottermise is powered by Trunk Tech Pte Ltd, UEN 201705723K, a registered company in Singapore.


All rights, title and interest in the Contents are owned by, licensed to or controlled by Trunk Tech Pte Ltd. In these Terms of Use, "we", "our" and "us" refers to both Trunk Tech Pte Ltd and Partners, while "you" and "your" is defined to any person who accesses and uses this Application. "Communications" means any communication including but not limited to communications by email between us and our users. "Contribution" means the contributions of the Member to the Application including but not limited to the text and/or images in the blog posts or elsewhere in the Application.


Updates and Revisions to Terms & Conditions of Use 

These Terms & Conditions of Use may be changed from time to time. All changes will be posted on this page, and your use of this Application after such changes have been posted will constitute your agreement to the modified Terms & Conditions of Use and all of the changes. You should therefore read this page carefully each time you use this Application.



Accessing Our Application


We strive to keep this Application accessible at all times. However, we are not responsible for any direct or indirect losses that may arise from the inability to access to this Application, from visiting this Application and/or from the reliance on the information provided within this Application. We reserve the right to withdraw or amend the service we provide on our Application without notice. We do not guarantee that this Application will be fully or partially operational all the time.


Restriction on Use of Materials


Except as otherwise provided, the Contents of this Application shall not be reproduced, republished, uploaded, posted, transmitted or otherwise distributed in any way, without the prior written permission of Trunk Tech Pte Ltd. Modification of any of the Contents or use of the Contents for any other purpose will be a violation of Trunk Tech Pte Ltd's copyright and other intellectual property rights. Graphics and images on this Application are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective copyright owners.



Reliance on Information Posted


We provide general information for your knowledge and comparison purposes. Thus, we do not purport to be a financial, legal, tax or professional advisor. Nothing on this Application can be construed as financial, legal or any other professional advice. You should always check with the relevant financial institution/professionals on the suitability, accuracy and full contract terms of the product that you are interested in. Any information provided by us is to be used at your own discretion and judgement. We strive to provide accurate information and unbiased opinions. Please let us know if there is any inaccuracy so that we may rectify it. We are not responsible in any way if any information on this Application is found to be inaccurate or contain any errors and/or omissions. We are unable to provide information on all insurance products provided in Singapore.



Rights to Modify

We reserve the rights to modify, add, delete or move any information, content, material and data within the Application at any appropriate time, without any notice to you. You will be deemed to have acknowledged and agreed to the amended Term & Conditions if you continue to use the Application after the changes have taken effect. You are reminded to check for updates to this Term & Conditions prior to using the Application.


Links from our Application


We may provide links to Third Party websites as part of our service to you but it is not an endorsement of the Third Party websites. Third Party websites are governed by their own Terms & Conditions of Use and/or Privacy Policies and thus, we have no control over them. You may access to these Third Party websites at your sole discretion and risk. We are not liable for any loss you may incur, arising from your access to the Third Party websites.

Our Liability


The material displayed on our Application is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we hereby expressly exclude: • all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity; and • any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with the Services or access to the Application and any materials posted on it. We expressly exclude liability for consequential loss, damage or corruption to other software or data or for loss of profit business revenue or goodwill incurred by you or a user. To the maximum extent permitted by applicable law, in no event will we be liable for any damages whatsoever, whether direct, indirect, general, special, compensatory, consequential, and/or incidental, arising out of or relating to the conduct of you or anyone else in connection with the use of the services, including, without limitation, bodily injury, emotional distress, and/or other damages resulting from use of our Application.



Trunk Tech Pte Ltd and Partners are not responsible for any incorrect or inaccurate content posted on the Application or in connection with the Service, whether caused by users of the Application, Users or by any of the equipment or programming associated with or utilised in the Service. Trunk Tech Pte Ltd and Partners are not responsible for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorised access to, or alteration of, user or user communications. Under no circumstances will Trunk Tech Pte Ltd and Partners be responsible for any loss or damage, including personal injury or death, resulting from anyone's use of this Application or the Service, any Content posted on this Application or transmitted to Members, or any interaction or contact between users of this Application, whether online or offline. Trunk Tech Pte Ltd do not, at any time, underwrite, originate, or issue insurance policies and/or insurance contracts. The underwriting, origination, and issuance of the insurance policies and/or insurance contracts are the sole provision and responsibility of Partners, which the User may contact with through Ottermise. Thus, any policies, liabilities, coverage, or responsibilities relating to an insurance policy purchased or reviewed through Ottermise (directly or indirectly) remain the sole province of Partners. Furthermore, any claims or disputes in relation to policy/contract, Trunk Tech Pte Ltd is unable to mediate, assist, convey, or dispute any claims or other issues related to the liability, coverage, or scope of any insurance product. You acknowledge that parties other than Trunk Tech Pte Ltd (i.e. Third Party Vendors) list and sell Products on the Platform. Whether a particular Product is listed for sale or redemption on the Platform by Trunk Tech or a Third Party Vendor may be stated on the web page listing that Product. For the avoidance of doubt, each agreement entered into for the sale of a Third Party Vendor’s Products to a Customer shall be an agreement entered into directly and only between the Third Party Vendor and the Customer. The contents contained herein have been obtained from sources represented to be reliable to Us, but no representation, expressed or implied, is made with respect to the accuracy or completeness of the information or opinions contained herein. We thus assume no responsibility and no consequential or other liability arising in any way from the use of the content, or parts thereof.


Please also note that We will not be liable for any mistakes, errors, or omissions that may occur during the electronic processing of any transactions on the platform. We will use our best efforts to ensure that any mistake, error, or omission is corrected when discovered. Users should inform Us in the event of their discovery of any mistake, error, omission, and/or update in the policies/contracts or their user details. We do not guarantee that this Application is free of any viruses or anything that may be harmful technologically. We are not responsible for the conduct, whether online or offline, of any user of the Application. We are not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or at any website or combination thereof, including injury or damage to users or to any other person's computer related to or resulting from participating or downloading materials in connection with the Application and/or in connection with the Service.


This Application is for informational purposes only. To the maximum extent allowed by applicable law, We provide this Application and Service on an "as is" and "as available" basis and grants no warranties of any kind, either express, implied, statutory or otherwise with respect to the Service or this Application (including all content contained therein) including (without limitation) any implied warranties of satisfactory quality, merchantability, fitness for a particular purpose, expectations of privacy, or non-infringement.


Trunk Tech Pte Ltd and Partners do not warrant that this Application or Service will be uninterrupted or error-free, secure, or that any defects or errors will be corrected. Any material downloaded or otherwise obtained through the use of the Service or Application is accessed at your own discretion and risk, and you will be solely responsible and hereby waive any and all claims and causes of action with respect to any damage to your computer system, internet access, download or display device, or loss or corruption of data that results or may result from the download of any such material. If you do not accept this limitation of liability, you are not authorised to download or obtain any material through this Application or Service. With respect to Trunk Tech Pte Ltd’s and Partners’ responsibility for your use of the Application, when you are using the Application, it is important to bear in mind that although we endeavour to ensure that it is updated and correct at all times, we do rely on third parties to provide information to us so that we can make it available to you. From time to time, we may make third party opinions, advice, statements, offers, or other third party information or content available on this Application and/or through the Service. All third party content is the responsibility of the respective authors thereof and should not necessarily be relied upon. Such third party authors are solely responsible for such content.


Trunk Tech Pte Ltd and Partners do not: (i) guarantee the accuracy, completeness, or usefulness of any third party content on this Application or provided through the service, or (ii) adopt, endorse or accept responsibility for the accuracy or reliability of any opinion, advice, or statement made by any party that appears on this Application or service. Under no circumstances will we be responsible or liable for any loss or damage resulting from your reliance on information or other content posted on this Application or service, or transmitted to or by any user. You specifically acknowledge and agree that Trunk Tech Pte Ltd and Partners are not liable for your defamatory, offensive, infringing or illegal materials or conduct or that of third parties, and we reserve the right to remove such materials from this Website without liability.


At some point, we may wish to update the app. The app is currently available on Android and iOS – the requirements for both systems (and for any additional systems we decide to extend the availability of the app to) may change, and you will need to download the updates if you want to keep using the app. Trunk Tech Pte Ltd and Partners do not promise that it will always update the app so that it is relevant to you and/or works with the iOS/Android version that you have installed on your device. However, you promise to always accept updates to the application when offered to you, We may also wish to stop providing the app, and may terminate use of it at any time without giving notice of termination to you. Unless we tell you otherwise, upon any termination, (a) the rights and licenses granted to you in these terms will end; (b) you must stop using the app, and (if needed) delete it from your device.


Governing Law

These Terms & Conditions of Use shall be governed and construed in accordance with laws of Singapore.


Last Update

This agreement was last updated and revised on 05 September 2020.

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