Prinsur

Terms of Service

Welcome to “Prinsur.com” (hereinafter referred to as “Prinsur” or the “Service”).
The Service is provided by Prinsur Tech CO., LTD. (Uniform Number: 60542476, hereinafter the “Company”, “we”, or “us”).

By registering for a member account, accessing, or using the Service (including browsing the Site, using AI-based comparison, AI chat, policy clause summarization, product comparison or related functions), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.

If you do not agree to all or any part of these Terms, you must not use the Service.

1. Acknowledgment and Acceptance of Terms

1.1 These Terms of Service (the “Terms”) constitute a binding agreement between you and the Company governing your use of Prinsur and all related services provided through the website at https://prinsur.com/ and its subdomains (the “Site”).

1.2 In addition to these Terms, the Company’s Privacy Policy forms an integral part of this agreement and governs how we collect, process, and use your Personal Data. By accepting these Terms, you also acknowledge and agree to the Privacy Policy.

1.3 The Company may, from time to time and at its discretion, amend or modify these Terms. Any such updated Terms will be posted on the Site and will become effective upon posting, unless otherwise specified. We will not notify you individually. Your continued use of the Service after any modification constitutes your acceptance of the modified Terms. If you do not agree to any change, you must immediately stop using the Service.

1.4 If you are under twenty (20) years of age (a minor under the laws of the Republic of China (Taiwan)), your parent or legal guardian must read, understand, and agree to these Terms before you may use the Service. Your use of the Service will be deemed as a representation that your parent or legal guardian has read, understood, and agreed to these Terms and any subsequent modifications.

2. Member Registration Obligations and Account Security

2.1 To use certain features of the Service, you may be required to register for a member account. You agree and undertake that:

  • (a) You will provide true, accurate, current, and complete information about yourself as prompted by the registration form, and you will not register in the name of any third party.

  • (b) Each natural person may only register one member account. Duplicate registrations are prohibited.

  • (c) You will promptly maintain and update your registration information to ensure it remains true, accurate, current, and complete.

    2.2 If you provide any information that is untrue, inaccurate, not current, or incomplete, or if the Company has reasonable grounds to suspect that such information is untrue, inaccurate, not current, or incomplete, the Company may, without prior notice, suspend or terminate your account and refuse any and all current or future use of the Service.

    2.3 Upon completing the registration process, you will obtain a specific account and password. You are responsible for maintaining the confidentiality and security of your account and password and for all activities that occur under your account.

    2.4 You agree that:

  • (a) Your account and password are for your personal use only and must not be shared, lent, assigned, or otherwise made available to any third party.

  • (b) Any access to or use of the Service through your account and password will be deemed to have been made by you or with your authorization, and you shall be fully responsible for all such activities.

  • (c) If you discover or suspect any unauthorized use of your account, or any security breach, you must promptly notify the Company. The Company shall not be liable for any loss or damage arising from your failure to do so.

    2.5 Once an account is deleted or terminated for any reason, all rights to use the Service under that account will cease, and any associated data, records, and history may not be recoverable.

3. Website Content Statement and Disclaimers

3.1 General Nature of Information

All information, text, graphics, comparisons, clause summaries, calculation results and other content provided on the Site (collectively, the “Site Content”) are provided for general information and reference only. Such content does not constitute:

  • insurance solicitation or brokerage;
  • insurance, financial, investment, legal, or tax advice;
  • any offer or recommendation to buy, sell, modify, or terminate any insurance policy or financial product.

The Company does not directly engage in insurance solicitation or the conclusion of insurance contracts, nor does it represent you in applying for, modifying, or terminating insurance products or services with any third party.

3.2 Sources and Updating of Information

The insurance product information and related materials provided through the Service are compiled based on publicly available information from insurers, the Taiwan Insurance Institute, industry associations, and other relevant organizations, as well as from official policy documents publicly disclosed by such entities.

While the Company endeavors to maintain the accuracy and timeliness of the Site Content, such information may be affected by:

  • changes to policy terms or versions;
  • internal policy updates of insurers;
  • underwriting standards, premium adjustments, and product availability;
  • regulatory amendments or other factors.

Accordingly, the Site Content may be incomplete, outdated, or inconsistent with the most current official terms. You should always verify the latest official information published by the relevant insurer or competent authority before making any decision.

3.3 Third-Party Websites and Services

The Service may contain links to third-party websites or services, including but not limited to insurers, banks, industry associations, and official policy disclosure pages (collectively, “Third-Party Services”). Such links are provided solely for your convenience.

Third-Party Services are independently owned, operated, and controlled by their respective providers. The Company does not control and is not responsible for:

  • the content, accuracy, or completeness of any Third-Party Service;
  • the privacy practices, data protection policies, or security measures of any Third-Party Service;
  • any transaction, correspondence, or arrangement between you and any third party.

Any interaction, consultation, purchase, application, or other transaction you conduct via a Third-Party Service is solely between you and the third party. The Company does not participate in, intervene in, or bear any liability in connection with such activities.

3.4 User’s Independent Judgment

You must carefully evaluate your own needs, risk tolerance, and financial situation, and you should seek independent advice from qualified insurance intermediaries, financial advisors, tax advisors, or legal professionals before making any decisions.

You may not assert that the Service or the Company has provided advice sufficient to replace professional consultation or individualized recommendations.

3.5 Special Statement on AI Functions

The Service may include AI-based features such as AI comparison, AI chat, policy clause summarization, explanations of differences among products, premium illustrations, or other information generated by artificial intelligence or machine learning models (collectively, “AI Outputs”).

You acknowledge and agree that:

  • AI Outputs are generated automatically based on your inputs, the Company’s internal databases, publicly available information, and various algorithmic or statistical models.
  • AI Outputs may contain errors, be incomplete, outdated, ambiguous, or inconsistent with actual policy terms or official documents.
  • AI Outputs do not constitute insurance solicitation, financial, investment, legal, or tax advice, nor are they an offer, recommendation, or invitation to transact.
  • AI Outputs must not be used as the sole basis for any decision to purchase, modify, terminate, or otherwise deal with any insurance policy or financial product.

You are solely responsible for verifying the accuracy of AI Outputs and must consult insurers, licensed insurance agents/brokers, or other qualified professionals and review official policy terms before taking any action.

To the maximum extent permitted by applicable law, the Company shall not be liable for any loss, damage, or dispute arising from your reliance on or use of AI Outputs.

3.6 Third-Party AI Service Providers

To provide certain AI features, the Company may use third-party cloud services or AI technology providers (such as large language model service providers) (collectively, “AI Providers”). These AI Providers:

  • process data only on the Company’s instructions and within the scope necessary to provide the relevant services;
  • are bound by confidentiality obligations and applicable data protection laws;
  • are prohibited from using the data for purposes beyond the Company’s instructions, except as required by law.

If any interruption, malfunction, error, or change in a Third-Party AI service affects the operation of the Service or the accuracy of AI Outputs, the Company will use commercially reasonable efforts to restore the Service. However, to the maximum extent permitted by law, the Company shall not be liable for any direct or indirect loss or damage resulting from such issues.

4. Advertising and Marketing Content

4.1 You understand and agree that in order to support the operation of the Service, the Company may display advertisements, promotional materials, or marketing content (collectively, “Ads”) from the Company or third parties on the Site or within the Service interface.

4.2 The authenticity, completeness, and legality of Ads and related products or services are the responsibility of the respective advertisers or providers. The Company merely provides a display channel and does not endorse or guarantee any Ads, nor does it assume any liability for them.

4.3 If you click on Ads or follow links contained in Ads to third-party websites, you should carefully review the terms of service and privacy policies of such third parties. The Company is not responsible for the content, transactions, or data practices of third parties.

4.4 In accordance with applicable laws and our Privacy Policy, the Company may use your contact information to send newsletters, promotional emails, or information about products and services related to the Service. You may opt out of receiving such marketing communications at any time by following the instructions in the communication or by contacting us.

5. Paid Services

5.1 You may subscribe to or purchase paid plans (the “Paid Services”) offered by the Company. The scope of features, fees, and subscription periods for each plan shall be as displayed on the Site or in relevant pages at the time of purchase.

5.2 Unless expressly stated otherwise by the Company, once a transaction for a Paid Service is completed and access is granted, the service is deemed to have commenced. In accordance with the Regulations on Reasonable Exceptions to the Right to Cancel Distance Sales and the Consumer Protection Act of the Republic of China (Taiwan), the statutory seven-day cooling-off period for distance transactions may not apply to such digital services. Fees paid are generally non-refundable, unless otherwise required by law or expressly agreed by the Company.

5.3 Subscription plans may renew automatically using your selected payment method until you cancel your subscription through the designated process. If payment fails due to card expiration, insufficient funds, or other reasons, the Company may suspend or terminate your access to the Paid Services.

5.4 Matters related to electronic invoices and tax treatment shall be handled in accordance with the relevant explanations and announcements on the Site and applicable law.

6. Privacy Policy

The collection, processing, and use of personal data in connection with your use of the Service are governed by our Privacy Policy, which forms an integral part of these Terms. Please read the Privacy Policy carefully to understand how we handle your personal data.

7. User’s Legal Obligations and Prohibited Conduct

You agree to comply with all applicable laws and regulations of the Republic of China (Taiwan) and with generally accepted practices and guidelines for the use of the internet. You must not use the Service for any unlawful or improper purpose, including but not limited to:

  • (a) Posting, transmitting, or distributing any defamatory, insulting, threatening, abusive, obscene, pornographic, untrue, fraudulent, unlawful, or otherwise inappropriate text, images, audio, video, or other materials.
  • (b) Infringing or attempting to infringe any rights of the Company or any third party, including but not limited to reputation, privacy, trade secrets, trademarks, copyrights, patents, moral rights, or other intellectual property and proprietary rights.
  • (c) Breaching any confidentiality obligations under law or contract, or inputting/providing personal data or confidential information of others without proper authorization (including but not limited to policyholder information, insured persons’ details, identification documents, or medical records).
  • (d) Impersonating or misrepresenting your affiliation with any person or entity when using the Service.
  • (e) Uploading or distributing any viruses, malicious code, or programs that may damage or interfere with the operation of the Service or any equipment.
  • (f) Using the Service for any commercial purpose without the Company’s prior written consent, including but not limited to using the Service as a backend for other competing services.
  • (g) Using automated tools (such as robots, spiders, crawlers, or scripts) to access or interact with the Service in a manner that may overload, disrupt, or otherwise interfere with the Service, or to scrape, harvest, or systematically collect Site Content or AI Outputs.
  • (h) Inputting into the AI functions any unlawful, infringing, misleading, or inappropriate content, including unlicensed policy texts, copyrighted materials, personal sensitive data of others, or information that may expose the Company or a third party to legal liability.
  • (i) Engaging in any other conduct that the Company reasonably deems inappropriate or contrary to the intended purpose of the Service.

If you engage in any of the above activities, the Company may, depending on the severity of the case, suspend or terminate your access to the Service and may seek compensation for any damages suffered (including reasonable attorneys’ fees and litigation costs).

8. License Granted by Members (Inputs and Outputs)

8.1 User Inputs

You may upload, input, provide, or otherwise make available to the Service certain text, information, data, files, or other materials, including but not limited to queries, descriptions of insurance needs, or documents used for AI-based comparison or analysis (collectively, “Input Content”).

You represent and warrant that:

  • (a) You have all necessary rights and lawful authority to provide, upload, or input the Input Content to the Service;
  • (b) The Input Content does not violate any applicable law; and
  • (c) The Input Content does not infringe any rights of any third party.

You grant the Company a worldwide, non-exclusive, royalty-free, sublicensable license to collect, process, store, reproduce, adapt, analyze, and otherwise use the Input Content solely to the extent necessary to:

  • operate, maintain, and provide the Service;
  • perform AI-based analysis and generate AI Outputs;
  • ensure security, abuse prevention, and fraud detection;
  • comply with legal or regulatory obligations.

The processing of any personal data contained in Input Content is subject to the Privacy Policy and applicable data protection laws.

8.2 AI Outputs and Other System-Generated Content

The Service may generate text, summaries, comparisons, analysis reports, or other materials (including AI Outputs) based on your Input Content and internal data (collectively, “Output Content”).

To the extent permitted by applicable law:

  • (a) You may use Output Content that is specifically generated for you by the Service for your own lawful purposes, subject to these Terms and the rights of the Company or any third party in any underlying data or content.
  • (b) Output Content may incorporate or be derived from content owned by the Company or third parties (for example, policy wording, insurance product descriptions, or proprietary databases). Any intellectual property rights in those underlying materials are retained by the Company or the relevant rightsholder.

You acknowledge that your use of Output Content does not transfer or assign any intellectual property rights in the underlying data, models, or systems to you.

8.3 License to the Company to Use Output Content

You grant the Company a worldwide, non-exclusive, royalty-free, sublicensable and transferable license to use Output Content generated through your use of the Service, in a form that does not identify you personally, for the following purposes:

  • improving the Service and user experience;
  • enhancing and fine-tuning our algorithms and systems;
  • generating aggregated statistics, analytics, and reports;
  • internal testing, quality assurance, and demonstration of Service functionality (in de-identified or anonymized form).

If you wish to restrict certain uses of Output Content that may be linked to your account, you may contact us using the methods described in the Privacy Policy. We will handle such requests in accordance with applicable laws.

8.4 Prohibition on Reverse Engineering and Competing Use

Except where expressly permitted by applicable law, you must not:

  • reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, architecture, or underlying models of the Service;
  • systematically scrape or harvest Inputs or Outputs for the purpose of training or building a competing model or service;
  • use the Service or any Outputs to create substantially similar or competing services.

9. Suspension and Interruption of the Service

9.1 The Company will use commercially reasonable efforts and generally accepted industry practices to maintain the normal operation of the Service. However, the Company may suspend or interrupt all or part of the Service without prior notice under any of the following circumstances:

  • (a) routine or necessary maintenance, repair, upgrade, or installation of equipment or systems;

  • (b) unexpected failure of hardware, software, or communication devices;

  • (c) suspension or interruption of telecommunication or network services not attributable to the Company;

  • (d) force majeure events, including but not limited to natural disasters, wars, riots, strikes, governmental orders, or other events beyond the Company’s reasonable control.

    9.2 To the maximum extent permitted by law, the Company shall not be liable for any direct or indirect loss or damage resulting from any suspension or interruption of the Service.

10. Limitation and Exclusion of Liability

10.1 The Service, Site Content, and AI Outputs are provided on an “AS IS” and “AS AVAILABLE” basis. The Company makes no representations or warranties of any kind, whether express or implied, including but not limited to any warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, reliability, or availability.

10.2 To the maximum extent permitted by law, the Company shall not be liable for any loss or damage (whether direct, indirect, incidental, consequential, special, punitive, or exemplary) arising out of or in connection with:

  • (a) your reliance on or use of any Site Content or AI Outputs;

  • (b) errors, omissions, delays, or inaccuracies in any information or data;

  • (c) the acts, omissions, information, products, or services of any third party (including insurers, intermediaries, or AI Providers);

  • (d) any interruption, suspension, or termination of the Service for reasons not solely attributable to the Company;

  • (e) any unauthorized access to or use of your account due to your failure to safeguard your credentials.

    10.3 Even if the Company is found liable by a court of competent jurisdiction, and unless otherwise required by mandatory law, the Company’s total aggregate liability for all claims arising under or in connection with these Terms and the Service shall not exceed the total amount of fees actually paid by you to the Company for the Service during the three (3) months immediately preceding the date on which the event giving rise to the claim occurred. If you use the Service free of charge, then, to the maximum extent permitted by law, the Company shall have no obligation to pay any monetary damages.

11. Changes to the Service, Termination, and Notices

11.1 You acknowledge and agree that the Company may, for legitimate business, operational, legal, or security reasons, add, modify, reduce, or discontinue all or part of the Service (including AI features) at any time without prior consent from you.

11.2 Where changes may materially affect your rights or obligations, the Company will provide notice through the Site, by email, or by other reasonable means.

11.3 The Company may from time to time launch, modify, or terminate promotions, campaigns, or special offers. Specific terms and conditions for those activities, if any, shall apply in addition to these Terms.

12. Intellectual Property Rights

12.1 All software, programs, website architecture, user interface designs, trademarks, logos, text, images, charts, audio and video materials, databases, and other content used in or displayed on the Service (collectively, “Company Materials”) are protected by applicable intellectual property laws and are owned by the Company or its licensors.

12.2 Except with the prior written permission of the Company or the relevant rights holder, you may not use, reproduce, distribute, adapt, publicly display, publicly perform, publish, reverse engineer, decompile, disassemble, or otherwise exploit any Company Materials in any manner.

12.3 You agree to respect the intellectual property rights of the Company and third parties. If you infringe any such rights, the Company may suspend or terminate your access to the Service and may seek damages, including reasonable attorneys’ fees and litigation costs.

12.4 If you believe that any content on the Service infringes your intellectual property rights, please provide detailed information and supporting documents to support@prinsur.com. The Company will review and handle your request in accordance with applicable laws.

13. Rejection or Termination of Use

13.1 For the purposes of maintaining platform security and compliance with law, the Company may, at its reasonable discretion and without prior notice, take one or more of the following actions if:

  • you violate these Terms;

  • you engage in any unlawful or harmful activity; or

  • the Company has reasonable grounds to suspect such violation or activity:

  • (a) suspend or terminate all or part of your access to the Service;

  • (b) remove any content you have uploaded or provided;

  • (c) refuse any future registration or use of the Service by you.

    13.2 The foregoing does not affect the Company’s right to pursue any other remedies or damages under applicable law or these Terms.

14. User’s Warranties and Indemnification

14.1 You represent and warrant that your use of the Service and any content you provide will comply with all applicable laws and these Terms, and will not infringe any rights of the Company or any third party.

14.2 If any third party makes a claim or initiates proceedings against the Company, its directors, officers, employees, agents, affiliates, or partners arising out of or in connection with:

  • your use of the Service;
  • your violation of these Terms; or
  • your infringement of any third party’s rights,

you agree, to the maximum extent permitted by law, to indemnify and hold the Company and such parties harmless from and against all damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees and litigation costs) incurred as a result of such claim or proceedings.

14.3 This indemnification obligation shall survive the termination of your relationship with the Company and the cessation of your use of the Service.

15. Governing Law and Jurisdiction

15.1 These Terms, their interpretation, and any disputes arising out of or in connection with the Service shall be governed by and construed in accordance with the laws of the Republic of China (Taiwan), without regard to conflict of laws principles.

15.2 Any dispute, controversy, or claim arising out of or relating to these Terms or the Service, if not amicably resolved, shall be submitted to the Taiwan Taipei District Court as the court of first instance, unless mandatory law requires another court to have jurisdiction.

Notice on the Collection, Processing, and Use of Personal Data

Pursuant to Article 8, Paragraph 1 of the Personal Data Protection Act of the Republic of China (Taiwan) (the “PDPA”), the Company hereby informs you of the following matters. Please read them carefully:

  1. Purposes of Collection
    The Company collects, processes, and uses your personal data for purposes including but not limited to:

    • member and customer management;
    • provision, operation, and improvement of the Service (including AI features);
    • marketing and promotional activities;
    • transaction and billing processing;
    • risk management, security, fraud prevention;
    • legal compliance and cooperation with competent authorities.

  2. Categories of Personal Data Collected
    The categories of personal data collected depend on your actual interactions with the Service and may include:

    • identifying information (e.g., name, email address, phone number, account ID);
    • contact information (e.g., address, email, phone number);
    • transaction and billing information (e.g., payment records, invoice details);
    • usage and technical information (e.g., IP address, device information, access logs);
    • insurance-related queries and descriptions you provide;
    • other data that you voluntarily provide for the purposes described above.
      Details are further described in the Privacy Policy.

  3. Period, Region, Targets, and Methods of Use

    • Period: From the time you begin using the Service until the purposes of collection cease to exist, or until you request deletion/cessation and the Company completes processing, or for such longer period as required or permitted by law.
    • Region: Within the territory of the Republic of China (Taiwan) and locations where the Company, its affiliates, or contracted service providers (e.g., cloud or AI service providers) maintain servers, data centers, or operational facilities, unless otherwise prohibited by law.
    • Targets: The Company, its affiliates, business partners, service providers, contractors, and competent authorities with legal investigative powers.
    • Methods: Automated or non-automated means of collection, processing, use, and international transfer, in compliance with the PDPA and other applicable laws.

  4. Rights of the Data Subject
    Under Article 3 of the PDPA, you may exercise the following rights with respect to your personal data held by the Company:

    • (a) to inquire about or request access to your personal data;
    • (b) to request copies of your personal data;
    • (c) to request supplementation or correction of your personal data (you should provide appropriate explanations);
    • (d) to request the cessation of collection, processing, or use of your personal data;
    • (e) to request the deletion of your personal data.

    Methods for exercising these rights are set forth in the Privacy Policy. The Company may, to the extent permitted by law, charge necessary costs for processing such requests.

  5. Consequences of Not Providing Personal Data
    You are free to decide whether to provide personal data. However, if you refuse to provide necessary data, or if the data you provide is incomplete or inaccurate, the Company may be unable to:

    • complete membership registration or verification;
    • provide all or part of the Service;
    • process transactions or respond to your inquiries;
    • offer customized or marketing services.

If you have any questions about these Terms or the above notice, please contact us at: support@prinsur.com.