Welcome to the website of MSIG Sokxay Insurance Co., Ltd. (“we,” “our,” or “us”). By accessing or using our website (www.msig-sokxay.com), you agree to comply with and be bound by these Terms of Use. Please read them carefully before using our website. If you do not agree with these terms, you must not use this website.

1. Acceptance of Terms
By using this website, you confirm that you are at least 18 years old or have obtained parental/guardian consent to use this website. Your continued use of the website constitutes your agreement to these Terms of Use.

2. Changes to Terms
We reserve the right to update or modify these Terms of Use at any time without prior notice. Your continued use of the website after changes are made signifies your acceptance of the revised terms.

3. Use of Website
You agree to use the website only for lawful purposes. You are prohibited from:

• Engaging in any behavior that could damage, disable, or impair the website.
• Attempting to gain unauthorized access to the website, its servers, or related networks.
• Uploading or transmitting harmful material, including viruses or malicious code.
• Using the website to harass, defame, or infringe upon the rights of others.

4. Intellectual Property Rights
All content on this website, including text, images, logos, graphics, and software, is the property of MSIG Sokxay Insurance Co., Ltd. or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or republish any content without prior written consent.

5. Disclaimer of Warranties
We provide this website and its content “as is” and “as available” without any warranties, express or implied. While we strive to ensure the accuracy and reliability of the information on this website, we do not guarantee that it is free from errors, inaccuracies, or omissions.

6. Limitation of Liability
To the fullest extent permitted by law, MSIG Sokxay Insurance Co., Ltd. shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website, including but not limited to:

• Loss of data or profits
• Errors, interruptions, or inaccuracies
• Unauthorized access or security breaches

7. Third-Party Links
Our website may contain links to third-party websites for your convenience. We do not endorse or assume responsibility for the content, products, or services of these external websites. Access these links at your own risk.

8. User-Submitted Content
If you submit any content to our website (e.g., comments, forms, or inquiries), you grant us a non-exclusive, royalty-free license to use, reproduce, and distribute the content for the purposes of responding to your inquiry or improving our services.

9. Termination of Access
We reserve the right to terminate or suspend your access to the website without prior notice if we determine that you have violated these Terms of Use or engaged in unlawful activities.

10. Governing Law
These Terms of Use are governed by and construed in accordance with the laws of Lao PDR. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in People’s Zone Court.

11. Contact Information
If you have any questions or concerns about these Terms of Use, please contact us at:

MSIG Sokxay Insurance Co., Ltd.
021 221 210
Sokxay Group Head Office, 1st Floor, Thatluang Kang Village, Unit 5, Kamphaengmeuag Road, Xaysettha District, Vientiane Capital
admin.insurance@msig-sokxay.com