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Privacy Policy

The privacy policy applies to CARMA, the portal's services that collects and distributes data for sharing disaster risk management information in ASEAN. It will cover personal information such as name, email address, the topics that you have selected, your preferred area of interest, the format of paper/project (summary or article), including the email notification frequency. This policy also gives you an option whether to publicize or to hide your name in the rating purposes as the papers and projects are peer viewed by the members through an online rating system.

Terms and Conditions

All copyright and other rights that subsist in the home page and in the sub-domain pages of the CARMA website ("the Portal") are owned by ASEAN Insurance Council ("the Owner") and the Portal is being managed by Catalytics Pte Ltd ("the Sponsor").

In consideration of the Owner and the Sponsor allowing you to access the pages of the Portal you are deemed to accept the following terms and conditions of use:

  1. Subject to what is said below, you may download, view, print, copy on the hard disk of your computer and use material on the Portal for your own personal non-commercial purposes or for the purposes of enhancing the skills, knowledge and understanding required in the insurance industry and insurance-related activities. You may not without the prior written agreement of the Owner:
    1.  remove copyright or trade mark notices from any copies of any material made in accordance with these terms.
  2. Access to parts of the Portal is restricted or password-protected. You may not download, view, print, use or otherwise seek to gain access to any material that is held in any parts of the Portal that are restricted or password-protected unless you have proper authorisation or have been issued a valid password.
  3. You agree that you will not use the Portal:
    1. for the posting, uploading, e-mailing or other transmission of any material, dissemination, use or possession of which infringes the rights of any person or which is unlawful in any other respect;
    2. in any way which is abusive, defamatory or obscene or which will harass, distress or inconvenience any person or which may restrict or inhibit the use and enjoyment of the Portal by any person;
    3. for the posting, uploading, e-mailing or other transmission of any unsolicited or unauthorised advertising, promotional materials, "junk mail", "spam", "chain letters", "pyramid schemes" or any other form of solicitation or commercial exploitation;
    4. for the posting, uploading, e-mailing or other transmission of any material that contains software viruses or any other computer code, files or programs designed to interrupt, restrict, destroy, limit the functionality of or compromise the integrity of any computer software or hardware or telecommunications equipment;<
    5. in any way that may bring the Owner or the Sponsor into disrepute.
  4. The copyright, and other rights, in some of the material appearing on or in the Portal may belong to a third party. It is your responsibility to obtain any licences or permissions that may be required to use such material and you agree to pay any costs or expenses incurred by the Owner or the Sponsor which arise as a result of your failure to obtain such licences and permissions.
  5. Some of the pages on the Portal include links to external websites. These links are included to give you the opportunity to access other pages that it is felt may be of assistance to you. The Owner and the Sponsor are not responsible for the content of these Internet sites.
  6. No links from external websites to the Portal are permitted without the prior written consent of the Owner or the Sponsor.
  7. Owner or the Sponsor shall have the right to refuse to allow you access to any of the pages on the Portal at any time and for any reason without giving you any advance notice and the Owner and the Sponsor shall not be liable for any losses or damages whatsoever arising from your inability to access any of the pages on the Portal.
  8. The Owner or the Sponsor shall have the right at any time and for any reason to remove from the pages on the Portal any material posted, uploaded, emailed or otherwise transmitted by you without giving you any advance notice, the Owner and the Sponsor shall not be liable for any losses or damages whatsoever arising from the removal of such material.
  9. The names, images and logos identifying the Owner, the Sponsor or third parties and their products and services, are the proprietary marks of the Owner and the Sponsor, and/or may be the proprietary marks of third parties. Any use made of these marks may be an infringement of rights in those marks and the Owner or the Sponsor reserves all rights to enforce such rights that it might have.
  10. Whilst every effort has been taken to ensure the accuracy of the information provided by the Owner and Sponsor and their employees in these pages, the contents of the Portal reflect the opinions of the writers, they are uploaded papers and/or projects about natural catastrophes in ASEAN and they are personal to them and are naturally subject to change from time to time. It is your responsibility to check the accuracy of relevant facts and opinions given on the portal before entering into any commitment based upon them.
  11. The Owner and the Sponsor cannot guarantee that your use of the Portal will be free from error and/or uninterrupted. The Owner, the Sponsor, their directors, their employees and their representatives exclude, in so far as it is legally possible, all liability and responsibility for any damages including, but not limited to, indirect or consequential damages, damages for loss of opportunity or chance, or any damages whatsoever arising from use or loss of use, data, or profits, whether in action of contract, negligence or other tortuous action, arising out of, or in connection with, any information on the Portal or any other Internet sites or the use thereof.
  12. The Portal may contain material (including, but not limited to, advertisements) posted by third parties. Individual users and advertisers are solely responsible for the content of advertising and other material which they submit to the Owner or the Sponsor and for ensuring that such content complies with all relevant legislation. The Owner and the Sponsor accept no responsibility for the content of material posted by third parties, including, without limitation, any error, omission or inaccuracy therein.
  13. On some of the pages of the Portal you may be given the opportunity of entering into agreements with third parties. The Owner and the Sponsor are not liable in relation to, and take no responsibility for, any contract entered into by users with any third party.
  14. Whilst effort has been taken to ensure that the Portal is free from viruses, no warranties are given that it is free from viruses and you are responsible for ensuring that you have installed adequate virus checking software. The Owner and the Sponsor shall not be liable for any viruses or any other computer code, files or programs designed to interrupt, restrict, destroy, limit the functionality of or compromise the integrity of the Portal or any hardware on which it is hosted.
  15. Nothing in these terms serves to exclude or limit liability for death or personal injury arising from negligence or any liability which is otherwise prohibited from being excluded by law.
  16. These terms may be varied from time to time. Please ensure that you review these terms regularly as you will be deemed to have accepted a variation if you continue to use the Portal after a variation has been posted.
  17. If any of these terms should be determined to be illegal, invalid or otherwise unenforceable, it shall be severed and deleted from these terms and the remaining terms shall survive, remain in full force and effect and continue to be binding and enforceable.
  18. The terms and conditions shall be governed by and construed in accordance with the laws of Indonesia. Any disputes arising from matters relating to www.carma-asean.com shall be exclusively subject to the jurisdiction of the courts of Indonesia.
  19. ASEAN Insurance Council is an organisation registered in Indonesia whose registered office is at AIC Permanent Secretariat Permata Kuningan Building, 2nd Floor Jl. Kuningan Mulia 9C Jakarta.

Copyright

All content within the Portal is protected by Indonesian copyright of ASEAN Insurance Council. Copyright law prohibits copying, repurposing, re-transmitting or re-distributing of any material on this Portal, without the prior permission of the copyright Owner. All rights are reserved.

Disclaimer

The Owner and the Sponsor make every effort to ensure that the information placed on this Portal is accurate. The Owner and the Sponsor, and their employees thereof, do not give any warranties or representation, expressed or implied, about the accuracy, completeness or appropriateness of any content or material contained within this Portal. The Owner and the Sponsor allow you, the user, to access this Portal only on the provision that you unconditionally accept full responsibility for using the information provided in it. In consideration to accessing the pages of the Portal, you are deemed to have accepted the Terms and Conditions of Use.