Terms and Conditions

Introduction and Acceptance of Terms

These Terms and Conditions govern your access to and use of the website operated by buzzstreamix. By accessing or using this site you agree to be bound by these terms. If you do not agree you must not use the site. The operator is a Singapore-registered entity providing health insurance services. These terms constitute a binding contract under Singapore law. The last updated date for this document is 22 September 2026. Continued use after any update constitutes acceptance of the revised terms.

Eligibility and Permitted Use

Only individuals aged 18 years or older who are resident in Singapore or otherwise permitted under applicable Singapore regulations may access the site. You must provide accurate information when requesting quotes or services. Permitted use is limited to obtaining information about health insurance products offered by buzzstreamix and related educational content. Commercial scraping or automated data collection is prohibited. Use must comply with all Singapore statutes including the Insurance Act and the Personal Data Protection Act.

Prohibited Conduct

Users must not upload malware, attempt to gain unauthorised access, or engage in any activity that disrupts site functionality. Misrepresentation of identity when applying for insurance is strictly forbidden. Harassment of other users or staff through site features is not allowed. Any conduct that violates Singapore criminal law or promotes illegal activities will result in immediate termination of access and may be reported to authorities.

Accounts, Submissions and User Content

When you create an account or submit information for insurance applications you are responsible for maintaining confidentiality of your credentials. All submissions must be truthful and complete. buzzstreamix may review and reject any content that does not meet underwriting standards. You grant buzzstreamix a non-exclusive licence to use submitted data solely for processing your requests and fulfilling legal obligations. Accounts may be suspended for inactivity or suspected fraud.

Ownership of Site Content and Trademarks

All text, graphics, logos and software on the site are owned by buzzstreamix or its licensors. Singapore copyright law protects this material. You may print or download limited portions for personal non-commercial use only. Any other reproduction requires prior written consent. Trademarks displayed must not be used without authorisation. Infringement may lead to legal action under the Trade Marks Act.

Third-Party Services and Links

The site may contain references to third-party insurers, hospitals or service providers. These references do not constitute endorsement. buzzstreamix is not responsible for the accuracy or availability of third-party offerings. Any transaction with third parties is at your own risk and governed by their separate terms. Links to external sites are provided for convenience only.

Availability, Changes, Suspension and Termination

buzzstreamix strives to maintain continuous access but does not guarantee uninterrupted service. The site may be suspended for maintenance, regulatory compliance or security reasons without notice. buzzstreamix reserves the right to modify or discontinue any product or feature. Termination of your access may occur for breach of these terms. Upon termination all licences granted to you cease immediately.

Disclaimers Subject to Mandatory Consumer Law

Information on the site is provided for general guidance only and does not constitute personalised medical or insurance advice. Health insurance products are subject to policy wording and underwriting. buzzstreamix does not warrant that the site will be error-free or that insurance quotes will remain available. Nothing in these terms excludes liability for death, personal injury caused by negligence, or any other non-excludable right under the Consumer Protection (Fair Trading) Act.

Limitation of Liability

To the maximum extent permitted by Singapore law buzzstreamix liability for any claim arising from use of the site is limited to the amount you paid for the specific service giving rise to the claim. buzzstreamix is not liable for indirect, incidental or consequential damages including loss of data or profits. This limitation applies even if advised of the possibility of such damages.

Indemnity

You agree to indemnify and hold buzzstreamix harmless from any claims, losses or expenses arising from your breach of these terms or misuse of the site. This includes reasonable legal fees incurred in defending such claims. The indemnity survives termination of your access.

Governing Law, Courts and Consumer Dispute Rights

These terms are governed by the laws of Singapore. Any dispute shall be subject to the exclusive jurisdiction of the courts of Singapore. Nothing affects your rights under the Consumer Protection (Fair Trading) Act or other mandatory consumer legislation. For complaints you may contact the Monetary Authority of Singapore or use alternative dispute resolution schemes where available.

Severability, Waiver, Changes and Contact

If any provision is found invalid the remaining provisions continue in full force. Failure to enforce any term does not constitute a waiver. buzzstreamix may update these terms at any time with notice on the site. For questions contact [email protected] or 6788 1777. Written correspondence may be sent to 75 Bras Basah Road, Income Centre, Singapore 189557. These terms together with the privacy policy form the entire agreement between you and buzzstreamix regarding site use.