Terms of Use
Last updated: November 2025
1. Acceptance of Terms
This website, including www.thib.com.sg and its sub-domains (the “Website”), is operated by TH Insurance Brokers Pte. Ltd. (“THIB”, “we”, “our”, or “us”).
By accessing or using the Website, you agree to comply with and be bound by these Terms of Use (“Terms”), which are governed by the laws of the Republic of Singapore. Any disputes arising from or in connection with the Website shall be subject to the exclusive jurisdiction of the courts of Singapore.
THIB reserves the right to modify or update these Terms at any time without prior notice. Your continued use of the Website after any changes indicates your acceptance of the revised Terms.
2. Information Accuracy
To the fullest extent permitted by law, THIB excludes all representations, guarantees, conditions, warranties, remedies, liabilities, and any other terms that may be implied by statute, common law, or custom.
All information, content, and materials provided on this Website and through our Online Facilities are supplied on an “as is” basis for general informational purposes only. While we strive to ensure accuracy and completeness, THIB makes no warranties or representations regarding the reliability, timeliness, or suitability of the information provided.
Content on this Website does not constitute financial advice or an offer of insurance coverage. For detailed product information or advice, please contact our authorised representatives directly. Professional advice should always be sought before taking any action based on the content of this Website.
Statements relating to past performance may not be indicative of future results. Any case studies or examples are provided for illustrative purposes only and should not be relied upon as a guarantee of outcomes.
3. Use of Website
Any unauthorised use of the website may result in suspension or refusal of access to or use of the website. You agree to use this Website only for lawful purposes and in accordance with all applicable laws and regulations. You will not:
Use the Website in a manner that could damage, disable, overburden, or impair any server or network connected to the Website
Attempt to gain unauthorised access to any part of the Website, other user accounts, or any connected systems.
Use the Website to transmit or upload any harmful code, spam, or materials that are unlawful, defamatory, or infringe third-party rights.
Use this website for your commercial purposes
Modify, distribute, transmit, communicate, or publish any content on this website
4. Collection and Use of Information
Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using this Website, you consent to the practices described in our Privacy Policy.
5. Limitation of Liability
To the fullest extent permitted by law, THIB, its employees and affiliates shall not be liable for any direct, indirect, incidental, or consequential loss, damage, or expense arising from your use of, or inability to use, the Website or its content — including damages from viruses or system failures.
6. Copyrights
All content on this Website — including text, graphics, logos, icons, and written materials — is the property of TH Insurance Brokers Pte. Ltd. (“THIB”) or is used under licence from third parties.
Website design elements and software may be owned by third-party developers and are used by THIB under valid licence. You may view and print Website content for personal, non-commercial use only.
Any other use, reproduction, or distribution requires prior written permission from THIB or the relevant rights holder.
7. Third-Party Links and Content
Our Website may include links to third-party websites for your convenience. THIB does not control, endorse, or assume responsibility for the content, products, services, or privacy practices of any third- party websites. Access to such linked sites is at your own risk.
Some information displayed on this Website may be sourced from third parties. While THIB endeavours to ensure that such information is accurate and up to date, we have not independently verified all third-party content and make no representations or warranties regarding its accuracy, completeness, or reliability. To the fullest extent permitted by law, THIB disclaims all liability arising from the use of, or reliance on, any third-party information provided on this Website.
8. Cookies and Tracking
Our Website uses cookies and similar technologies to enhance functionality and analyse site usage. Cookies are small data files stored on your device that help improve your browsing experience, such as remembering your preferences.
These technologies do not collect personal information unless you choose to provide it. You may disable cookies through your browser settings; however, some parts of our Website may not function properly as a result.
If you access third-party websites through links on our Website, please review their respective privacy and cookie policies, as THIB is not responsible for their practices. You can opt out of being tracked by Google Analytics by following the instructions provided on Google’s website.