Terms of Use

Last Updated: November 2, 2026

Welcome to race.stikesmukla.ac.id. These Terms of Use govern your access to and use of this website.

By accessing or using this website, you agree to comply with the terms and conditions described below. If you do not agree with these terms, please discontinue using the website.

1. Website Purpose

race.stikesmukla.ac.id provides informational and educational content related to insurance and related subjects.

Our articles may cover auto insurance, professional liability insurance, health insurance, insurance providers, membership benefits, premiums, and coverage comparisons.

The website does not issue insurance policies, provide binding insurance quotations, underwrite coverage, or act as an insurance intermediary unless expressly stated otherwise.

2. Eligibility and Acceptable Use

You agree to use this website for lawful purposes and in a manner that does not violate the rights of others.

You must not:

Use the website for fraudulent or unlawful activities.
Attempt unauthorized access to website systems or servers.
Distribute viruses, malware, spam, or harmful materials.
Interfere with website security or functionality.
Misuse website content to mislead or deceive others.
Reproduce or redistribute protected content without permission.

We reserve the right to restrict access when activities violate these terms or threaten website security.

3. Intellectual Property Rights

Unless otherwise stated, original articles, text, graphics, design elements, and other materials published on this website are owned by the website or their respective rights holders.

You may view and use website content for personal, non-commercial informational purposes.

You may not reproduce, republish, distribute, modify, or commercially exploit website materials without appropriate permission, except where permitted by applicable law.

Third-party trademarks, logos, and brand names remain the property of their respective owners.

4. Accuracy of Information

We make reasonable efforts to publish useful and relevant information. However, we do not guarantee that all content is accurate, complete, or up to date.

Insurance regulations, premiums, coverage options, and provider offerings may change without notice.

You are responsible for verifying important information with the relevant insurance provider or qualified professional.

5. No Professional Relationship

Using this website does not establish an insurance, financial, legal, advisory, or professional relationship between you and the website or its operators.

All information is provided for general educational purposes and should not replace advice from qualified professionals.

6. Third-Party Links and Services

Our website may contain links to external websites, products, or services.

We do not control third-party platforms and are not responsible for their content, availability, privacy practices, or business activities.

Any interaction with external websites is subject to their own terms and policies.

7. Advertising and Affiliate Links

We may display advertisements or include affiliate links where applicable.

We may receive compensation from advertising partners or qualifying referrals. Such arrangements do not guarantee or constitute a professional recommendation of any particular insurance product or provider.

8. Limitation of Liability

To the maximum extent permitted by applicable law, race.stikesmukla.ac.id and its operators shall not be responsible for damages or losses resulting from:

Use of or inability to use the website.
Reliance on published articles or informational materials.
Inaccurate, incomplete, or outdated content.
External websites, advertisements, or third-party services.
Technical interruptions or security incidents beyond our reasonable control.

9. Privacy Policy

Your use of this website is also governed by our Privacy Policy, which explains how information may be collected, used, and protected.

10. Changes to These Terms

We reserve the right to revise these Terms of Use at any time.

Updated terms will be published on this page. Your continued use of the website after changes are published constitutes acceptance of the revised terms.

11. Governing Law

These Terms of Use shall be interpreted in accordance with applicable laws and regulations. Any disputes shall be handled by the appropriate competent authority or court.

12. Contact Information

For questions regarding these Terms of Use, please contact us through the contact options available on race.stikesmukla.ac.id.