Terms and Conditions

Last updated: 17 September 2026

Who Operates the Site and Acceptance of the Terms

curtainryze operates this website as a provider of health insurance services based in Singapore. By accessing or using the site you agree to be bound by these terms and conditions. If you do not agree you must stop using the site immediately. These terms form a binding contract between you and curtainryze under the laws of Singapore. Continued use after any updates constitutes acceptance of the revised terms.

Eligibility and Permitted Use

You must be at least 18 years old and legally capable of entering into contracts to use this site. The site is intended for residents of Singapore seeking information about health insurance products. You may use the site only for lawful personal or business purposes related to obtaining quotes or information on health insurance coverage. Commercial scraping or automated access is not permitted without prior written consent.

Prohibited Conduct

You must not upload malicious code, attempt to gain unauthorised access, interfere with site functionality, or post defamatory content. Misrepresentation of identity when requesting insurance information is prohibited. Any activity that violates Singapore law including the Computer Misuse Act is forbidden and may result in reporting to authorities.

Accounts Submissions or User Content

If you create an account or submit information for insurance quotes you are responsible for maintaining confidentiality of your login details. Any content you provide must be accurate and not infringe third party rights. curtainryze may review and remove submissions that breach these terms. You retain ownership of your submissions but grant curtainryze a licence to use them for service delivery.

Ownership of Site Content Trademarks and Permitted Limited Use

All text graphics logos and other content on the site are owned by curtainryze or its licensors. You may view and print pages for personal non commercial use only. No other reproduction or distribution is allowed without express permission. Trademarks must not be used in any way that suggests endorsement by curtainryze.

Third Party Services and Links

The site may contain references to third party insurers or service providers. These are provided for convenience only and do not constitute endorsement. curtainryze is not responsible for the accuracy or practices of any third party. You should review their separate terms before engaging with them.

Availability Changes Suspension and Termination

curtainryze aims to keep the site available but does not guarantee uninterrupted access. We may suspend or terminate access at any time for maintenance or if you breach these terms. Changes to the site or these terms will be notified via the site or email where appropriate.

Disclaimers Subject to Mandatory Consumer Law

Information on health insurance products is general in nature and does not constitute personalised advice. While every effort is made to ensure accuracy curtainryze makes no warranties about completeness or suitability for your needs. Nothing in these terms excludes liability for fraud or any rights that cannot be limited under Singapore consumer protection laws including the Consumer Protection Fair Trading Act.

Limitation of Liability

To the fullest extent permitted by law curtainryze liability for any claim arising from use of the site is limited to direct damages not exceeding the amount paid by you for services in the preceding twelve months. We are not liable for indirect or consequential losses including loss of data or profits except where such exclusion is prohibited by Singapore law.

Indemnity

You agree to indemnify curtainryze against any claims losses or expenses arising from your breach of these terms or misuse of the site including costs of defending legal proceedings.

Governing Law Courts and Consumer Dispute Rights

These terms are governed by the laws of Singapore. Any disputes shall be resolved in the courts of Singapore. You may also have rights under the Personal Data Protection Act or other consumer legislation to seek redress through alternative channels such as the Financial Industry Disputes Resolution Centre for insurance related matters.

Severability Waiver Changes Contact Route and Last Updated Date

If any provision is found invalid the remainder continues in force. Failure to enforce any right does not constitute a waiver. curtainryze may update these terms periodically. For questions contact us via the form on our Contacts page or using [email protected] +65 6788 1777 or 75 Bras Basah Road, Income Centre, Singapore 189557. These terms were last updated on 17 September 2026.