Legal Information

Last updated on 25 September 2026.

Identity of the Website Operator and Its Role

journoflaxi is the operator of this commercial website focused on Insurance Health. The operator provides information, resources, and services related to health insurance products, financial planning, and related wellness solutions targeted at individuals, families, and businesses in Singapore. The role includes educating users on insurance options, facilitating access to policy information, and supporting informed decision-making in the health insurance sector. This site operates in a commercial capacity to promote and provide access to regulated insurance offerings while complying with all applicable Singaporean regulations.

The operator maintains transparency as a key principle, ensuring users understand the commercial nature of the content and any promotional elements. Practical consequences include users being able to make informed choices about health coverage without misleading claims, with all representations subject to verification through official channels.

Legal Form, Registration Details, Tax Identifiers, Licences, and Responsible Representatives Required in the Target Country

journoflaxi operates as a Public Company Limited by Shares incorporated under the laws of Singapore. Key non-contact legal identifiers include the following, which must be displayed for compliance and transparency on commercial websites targeting Singapore audiences.

Company Registration Number: 202135698W. This Unique Entity Number (UEN) serves as the official ACRA registration identifier and is used for all government interactions, tax filings with IRAS, and business correspondence.

Legal Form: Public Company Limited by Shares. This structure provides limited liability to shareholders while allowing public offering of shares under regulatory oversight.

The entity is regulated by the Monetary Authority of Singapore (MAS) as a Direct Insurer (Composite), authorised to offer life insurance, general insurance, and health-related products. This licence ensures compliance with stringent capital, governance, and consumer protection standards specific to the insurance industry in Singapore.

Responsible representatives include the Board of Directors and key officers such as the company secretary, as required under the Companies Act 1967. Changes to these details are updated via ACRA filings and reflected in public records. Tax identifiers include the UEN for GST and income tax purposes where applicable. Displaying these details on the legal page helps meet Taboola moderation expectations for transparency on commercial sites.

Registered Office and Available Contact Details

The registered office address is a Singapore location required by ACRA for official communications and record-keeping. It must remain accessible during business hours. Available contact details follow the CONTACT COMPONENT POLICY and use only supported placeholders: 1 Finlayson Green, Singapore 049246 for the registered office, [email protected] for electronic correspondence, and +65 1800 248 8000 for telephone enquiries. A dedicated Contacts page provides a contact form for visitor submissions. No other contact details are published. Users may reach the operator through these channels for legal notices or enquiries. The site-wide cookie banner provides additional transparency on data practices.

Purpose, Scope, and Intended Audience of the Website

The primary purpose of this website is to deliver educational content, product information, and tools related to Insurance Health, including explanations of coverage options, claim processes, and financial well-being strategies. The scope encompasses articles, resources, and service descriptions within the health insurance domain, supported by the enabled Blog feature for ongoing publications. It does not provide personalised financial advice or medical recommendations.

The intended audience includes Singapore residents and businesses seeking health insurance solutions, as well as those interested in related topics such as preventive care and policy management. Content is tailored to an English-speaking audience in Singapore, with practical explanations of user choices like comparing plans or understanding exclusions. Consequences of use include better-informed decisions on insurance purchases, with users advised to consult licensed advisors for individual circumstances. The site avoids content prohibited under Taboola policies, such as misleading health claims.

Rules for Access to and Acceptable Use of the Website

Access to the website is granted on a non-exclusive, revocable basis to users who comply with these terms. Users must be at least 18 years old or have parental consent where applicable under Singapore law. Acceptable use includes personal, non-commercial browsing, reading content, and submitting enquiries via the contact form. Prohibited activities include scraping content, attempting unauthorised access, distributing malware, posting defamatory material, or using the site for illegal purposes such as fraud or infringement of intellectual property.

Violations may result in immediate termination of access and potential legal action under Singapore statutes like the Computer Misuse Act. Users are responsible for their own device security and internet connectivity. The site maintains a cookie banner for consent management, and continued use constitutes acceptance of these rules. Practical outcomes include a safe browsing environment where users can explore insurance topics without interference.

Ownership and Permitted Use of Website Content, Trademarks, and Other Intellectual Property

All content on this website, including text, images, graphics, and layout, is owned by journoflaxi or its licensors and protected by Singapore copyright law under the Copyright Act 2021. Trademarks, logos, and brand names associated with journoflaxi and its insurance products are proprietary marks. Permitted use is limited to personal, non-commercial viewing and printing for individual reference. Any reproduction, modification, distribution, or commercial exploitation requires prior written consent from the operator.

Third-party trademarks appearing on the site remain the property of their respective owners. Users must not imply endorsement or affiliation without authorisation. Infringement may lead to claims for damages and injunctive relief in Singapore courts. This framework ensures creators retain control while allowing educational access, with consequences for misuse including removal of content and legal remedies.

Accuracy, Availability, and Proportionate Limitations of Liability

While every effort is made to ensure accuracy, the information on this website is provided for general guidance only and may contain errors, omissions, or outdated details. Content is not a substitute for professional advice. The site is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including merchantability or fitness for a particular purpose, to the extent permitted by Singapore law.

The operator is not liable for any direct, indirect, incidental, special, or consequential damages arising from use of the site, including loss of data, profits, or business opportunities, except where liability cannot be excluded under the Unfair Contract Terms Act or consumer protection laws. Limitations are proportionate to the commercial nature of the service and apply to the maximum extent allowed. Users should verify all details directly with the operator or relevant authorities. Availability may be interrupted for maintenance, and no guarantee of uninterrupted access is provided. This approach balances user protection with operational realities in the insurance sector.

External Links and Third-Party Content

The website may include links to external sites or references to third-party content for user convenience, such as regulatory resources or partner information. These links do not constitute endorsement, and the operator has no control over the content, policies, or practices of linked sites. Users access external resources at their own risk.

Third-party content, where present, is clearly identified and subject to its own terms. The operator is not responsible for any loss or damage from reliance on such materials. In the context of Insurance Health, any referenced products or services from third parties are disclosed as such. Users are encouraged to review the terms of external sites independently. This policy promotes transparency while limiting liability for content beyond direct control.

Cross-References to Other Policies

This legal information page should be read in conjunction with other important documents available on the website. Please refer to the Privacy Policy for details on personal data handling under the Personal Data Protection Act. Please refer to the Cookie Policy for information on cookie usage and consent mechanisms, consistent with the site-wide cookie banner. Please refer to the Terms and Conditions for comprehensive rules governing website use and transactions. Please refer to the Payment and Refund Policy for specifics on billing, cancellations, and refunds applicable to insurance products or services. These cross-references ensure users have full access to relevant legal frameworks without duplication on this page.

Applicable Law, Competent Courts, and Consumer Dispute Rights

This legal information page and the website are governed by and construed in accordance with the laws of Singapore. Any disputes arising from or in connection with the site shall be subject to the exclusive jurisdiction of the courts of Singapore. For consumer disputes related to insurance products, users may have rights under the Financial Services Consumer Charter or access mediation through the Financial Industry Disputes Resolution Centre (FIDReC) where applicable.

Small claims may be pursued through the Small Claims Tribunals for qualifying matters. Nothing in this page excludes or limits rights that cannot be excluded under Singapore consumer protection legislation, such as the Consumer Protection (Fair Trading) Act. Users are advised to seek independent legal advice for specific disputes. This framework provides clear recourse while respecting local judicial processes.

Contact Route, Changes, and Last-Updated Date

For enquiries regarding this legal information page or the website, users may use the contact form on the dedicated Contacts page, or reach the operator via [email protected], +65 1800 248 8000, or 1 Finlayson Green, Singapore 049246. The operator welcomes feedback and will respond within reasonable timeframes.

This page may be updated periodically to reflect changes in law, business practices, or regulatory requirements. Users should review it regularly, particularly before engaging in transactions. The last-updated date appears at the top of this page. Material changes will be highlighted where practicable. Continued use of the site after updates constitutes acceptance of the revised terms.

Company Registration Number: 202135698W | Legal Form: Public Company Limited by Shares | Regulated by: Monetary Authority of Singapore (MAS) | Principal Activity: Life insurance and General insurance including health insurance | Registered Office: 1 Finlayson Green, Singapore 049246