Terms of Use

Last modified: 8th June 2020

Hello and welcome www.rela-legacy.com (the “Site”). The Site is owned and operated by BR-Rela (hereinafter, “Rela”, “Rela-Memori”, “we” or “us”). The use of our Site and online and other services (collectively, the "Service") is subject to the following terms of use and the conditions of our Privacy Policy. By using the Service, you agree to these Terms of Use.

Please read these Terms of Use carefully to ensure that you understand everything. We may update our policies from time to time and it is your responsibility to check for updates.

By accessing the Service you signify that you have read, understood, and agree to be bound by these Terms of Use and to the collection and use of your information as set forth in our Privacy Policy, whether or not you are a registered user of our Service.



Use of our Service

This is a contract between you and Rela. You must read and agree to these terms before using the Service, and if you do not agree, you may not use the Service. You may use the Service only if you can form a binding contract with Rela, and only in compliance with these Terms of Use and all applicable local, state, national, and international laws, rules, and regulations.

The products and services described on the Service are only available for persons in those jurisdictions in which they may legally be sold. Nothing on the Service shall be considered a solicitation to buy or an offer to sell anything to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful.

The Service is designed for use in Brunei Darussalam, except for those other countries expressly supported as reflected in the Service.

If you use the Service, you are responsible for maintaining the confidentiality of your account and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account. Further, by using the Service, you warrant that you are at least 18 years of age and possess the legal authority to use the Service. Rela does not sell products to minors, but it sells them to adults. Rela reserves the right to refuse service, terminate accounts or remove or edit content in its sole discretion.

You agree that: (i) you will not use the Service if you are not fully able and legally competent to agree to these Terms of Use; (ii) you will only use the Service for lawful purposes; (iii) you will not use the Service for sending or storing any unlawful material or for fraudulent purposes or to engage in any illegal, offensive, indecent or objectionable conduct; (iv) you will not use the Service to advertise, solicit or transmit commercial advertisements, including “spam”; (v) you will not use the Service to cause nuisance, annoyance or inconvenience; (vi) you will not impair the proper operation of the network; (vii) you will not try to harm the Service in any way whatsoever; (viii) you will not copy, or distribute the Service or other content without written permission from Rela; (ix) you will only use the Service for your own use and will not resell it to a third party; (x) you will keep secure and confidential your account password or any identification we provide you which allows access to the Service; and (xi) you will provide us with whatever proof of identity we may reasonably request.


Our intellectual property

The contents of the Service, including the “look and feel”, any witticisms, software, images, text, graphics, illustrations, logos, patents, trademarks, service marks, copyrights, photographs, audio, videos, music, proprietary content and other materials and all related intellectual property rights, are the exclusive property of Rela and its licensors, and protected under both Brunei Darussalam and foreign laws. You acknowledge and agree that Rela and/or its licensors own all right, title and interest in and to the Service (including all intellectual property rights therein or related thereto) and you agree not to take any action(s) inconsistent with such ownership interests. You do not acquire any rights or licenses under any of Rela’s (or its licensors’) intellectual property rights on account of these Terms of Use. You acknowledge and agree that the features and functionality of the Service, and all software, content, data, information and materials contained therein are the confidential and proprietary information of Rela (or its licensors), and accordingly you agree to (i) maintain the confidentiality of such information using reasonable efforts and care (but in no event less than the same efforts and care you use to protect your own confidential and proprietary information) and not disclose such information to any third party without the prior written consent of Rela, and (ii) only use such information for the purposes of using the Service provided by Rela hereunder.

The logos, trademarks, and service marks used on the Service are pending or registered marks of Rela. Nothing on the Service should be construed as granting, by implication, or otherwise, any license or right to use these marks without Rela’s prior written permission specific for each such use. All goodwill generated from the use of Rela’s marks shall be for the benefit of Rela. All logos, trademarks and service marks not owned by Rela that appear on the Site are the property of their respective owners.

Any and all (i) suggestions for correction, change and modification to the Service and other feedback (including but not limited to quotations of written or oral feedback), information and reports provided to Rela by you (collectively “Feedback”), and all (ii) improvements, updates, modifications or enhancements, whether made, created or developed by Rela or otherwise relating to the Service (collectively, “Revisions”), are and will remain the property of Rela. You acknowledge and expressly agree that any contribution of Feedback or Revisions does not and will not give or grant you any right, title or interest in the Service or in any such Feedback or Revisions. All Feedback and Revisions become the sole and exclusive property of Rela and Rela may use and disclose Feedback and/or Revisions in any manner and for any purpose whatsoever without further notice or compensation to you and without retention by you of any proprietary or other right or claim. You hereby assign to Rela any and all right, title and interest (including, but not limited to, any patent, copyright, trade secret, trademark, show-how, know-how, moral rights and any and all other intellectual property rights) that you may have in and to any and all Feedback and Revisions. At Rela’s request, you will execute any document, registration or filing required to give effect to the foregoing assignment.

If you choose to use the Service to purchase insurance, such as life insurance, that Rela is licensed to transact (“Insurance Services”), you agree to (i) designate Rela as your agent of record, (ii) authorize Rela to communicate such designation as agent of record to any insurance carrier, your prior insurance producer, and any other person or entity Rela determines should be advised; (iii) work exclusively with Rela for such Insurance Services unless we have expressly agreed to collaborate with another insurance agent, and (iv) permit Rela to receive any commission or other form of compensation that any insurance carrier agrees to pay to Rela in connection with the provision of Insurance Services.

For clarity, you should not cancel any existing insurance until you have received written confirmation from the insurance company to which you are applying that your new policy is effective. RELA CAN NOT AND WILL NOT BE HELD LIABLE FOR ANY DAMAGES THAT RESULT FROM YOUR FAILURE TO KEEP EXISTING POLICIES IN EFFECT.

Rela provides Insurance Services only and does not provide other forms of professional advice of the type that may require professional licensing, such as legal, medical, accounting, or tax advice. If we provide you any information while providing the Service, it is for general informational purposes only and should not be construed as professional advice. No action should be taken based upon any such information without first seeking independent professional advice from a person who is licensed and/or qualified in the applicable area.

For clarity, you will be solely responsible for: (i) compliance with any and all applicable laws, rules, and regulations; and (ii) any use you may make of the Service to assist in complying with any such laws, rules, or regulations. The Service does not include any legal, regulatory, accounting, or tax advice, and you will rely solely upon your own advisors with respect to such advice.


Our partners and third-party service providers

For certain services provided directly to you by third parties chosen by you, such as insurance products from an insurance company, Rela may highlight certain providers for you. Rela holds its partners to high standards and is selective in establishing external partnerships with providers, provided, however, that the listing of any provider is not a recommendation or endorsement of that provider and is not a guarantee of that provider's quality, competency, or character. You are solely responsible for selecting a provider that meets your requirements. You acknowledge that Rela may receive compensation from such providers by virtue of your use of the Service and/or purchase of insurance products.

The Service may contain links to third-party materials that are not owned or controlled by Rela. We do not endorse or assume any responsibility for any such third-party sites, information, materials, products, or services. If you access a third-party website or service from the Service, you do so at your own risk, and these Terms of Use and Rela’s Privacy Policy do not apply to your use of such sites. You relieve Rela from any and all liability arising from your use of any third-party website, service, or content.


Indemnity, limitation of liability, no warranties

You agree to defend, indemnify and hold harmless Rela and its subsidiaries, agents, licensors, managers, and other affiliated companies, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising from: (i) your use of and access to the Service, including any data or content transmitted or received by you; (ii) your violation of these Terms of Use, including without limitation your breach of any of the representations and warranties above; (iii) your violation of any third-party right, including without limitation any right of privacy, right provided by any labour or employment law, rule, or regulation, or intellectual property right; (iv) your violation of any applicable law, rule or regulation; (v) any content or account information that is submitted via your account including without limitation misleading, false, or inaccurate information; (vi) your gross negligence or wilful misconduct; or (vii) any other party’s access and use of the Service (or access and use of any third-party service via the Service) with your unique username, password or other appropriate security code (or, with respect to third-party services, your account information).

The Service is provided on an “as is” and “as available” basis. Use of the Service is at your own risk. To the maximum extent permitted by applicable law, the Service (and all information, content, materials, or products included in the Service) is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement. No advice or information, whether oral or written, obtained by you from Rela or through the Service will create any warranty not expressly stated herein. Without limiting the foregoing, Rela, its subsidiaries, its affiliates, and its licensors do not warrant that the information, content, materials, or products included in the Service are accurate, reliable, up-to-date, or correct; that the Service will meet your requirements; that the Service will be available at any particular time or location, uninterrupted or secure; that any defects or errors will be corrected; or that the Service or Rela’s servers or emails are free of viruses or other harmful components. Any content or data downloaded or otherwise obtained through the use of the Service is downloaded at your own risk and you will be solely responsible for any damage to your computer system or loss of data that results from such download or your use of the Service.

Rela does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the Service or any hyperlinked website or service, and Rela will not be a party to or in any way monitor any transaction between you and third-party providers of products or services, except in those circumstances in which Rela expressly agrees to be a party to a transaction between you and third-party providers of products or services. Obligations under insurance policies are the sole responsibility of the issuing insurance company and are not the responsibility of Rela.

Certain results of the Service will be based on preliminary data provided by you and received by Rela, without independent verification. Further, the amount of insurance coverage you need may differ from the results depending on information we did not request of you. These results should not be interpreted as a recommendation that you buy or forgo any insurance product or apply for a particular amount of coverage or obtain coverage with particular limits without doing further independent research.

To the maximum extent permitted by applicable law, Rela, its affiliates, agents, directors, employees, suppliers and licensors shall not be liable for any indirect, punitive, incidental, special, consequential or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data or other intangible losses, arising out of or relating to the use of, or inability to use, the Service. Under no circumstances will Rela be responsible for any damage, loss or injury resulting from hacking, tampering or other unauthorized access or use of the Service or your account or the information contained therein.

To the maximum extent permitted by applicable law, Rela assumes no liability or responsibility for any (i) errors, mistakes, or inaccuracies of the Service or any information, content, materials, or products included in the Service; (ii) personal injury or property damage, of any nature whatsoever, resulting from your access to or use of the Service; (iii) any unauthorized access to or use of our secure servers and/or any and all personal information stored therein; (iv) any interruption or cessation of transmission to or from the Service; (v) any bugs, viruses, trojan horses, or the like that may be transmitted to or through our Service by any third party; (vi) any errors or omissions in the Service or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Service; and/or (vii) incorrect account information supplied by you or any account information you failed to update; and/or (viii) the defamatory, offensive, or illegal conduct of any third party. Rela, its affiliates, agents, directors, employees, suppliers, and licensors shall not be liable to you for any claims, proceedings, liabilities, obligations, damages, losses or costs in an aggregate amount exceeding the commissions earned by Rela hereunder in the twelve (12) months preceding the claim that gave rise to the liability.

This limitation of liability section applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if Rela has been advised of the possibility of such damage. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.

Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations or exclusions may not apply to you. These Terms of Use give you specific legal rights, and you may also have other rights that vary from state to state. The disclaimers, exclusions, and limitations of liability under these Terms of Use will not apply to the extent prohibited by applicable law.


Notification procedures and changes to these Terms of Use

Rela may provide notifications, whether such notifications are required by law or are for marketing or other business related purposes, to you via email notice, mobile push notification, written or hard copy notice, or through posting of such notice on our Site or mobile application, as determined by Rela in our sole discretion. Rela reserves the right to determine the form and means of providing notifications to our users, provided that you may opt out of certain means of notification as provided in the Service. Rela is not responsible for any automatic filtering you or your network provider may apply to email notifications we send to the email address you provide us. Rela may, in its sole discretion, modify or update these Terms of Use from time to time, and so you should review this page periodically. When we change these Terms of Use in a material manner, we will update the “last modified” date at the top of this page and notify you that material changes have been made to these Terms of Use. Your continued use of the Service after any such change constitutes your acceptance of the new Terms of Use. If you do not agree to any of these terms or any future Terms of Use, you may not use or access the Service.



If you breach these Terms of Use, all licenses granted by Rela, including permission to use the Service, will terminate automatically. Additionally, Rela may suspend, disable, or delete your account and/or the Service (or any part of the foregoing) with or without notice, for any or no reason. If Rela deletes your account for any suspected breach of these Terms of Use by you, you are prohibited from re-registering for the Service under a different name. In the event of account deletion for any reason, Rela may, but is not obligated to, delete any of Your Content. Rela shall not be responsible for the deletion of (or failure to delete) Your Content. All sections which by their nature should survive the termination of these Terms of Use shall continue in full force and effect subsequent to and notwithstanding any termination of these Terms of Use or access to the Service by Rela or you. Termination will not limit any of Rela’s other rights or remedies at law or in equity.


Entire Agreement / Severability

These Terms of Use, together with any amendments and any additional agreements you may enter into with Rela in connection with the Service, shall constitute the entire agreement between you and Rela concerning the Service. If any provision of these Terms of Use is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Use, which shall remain in full force and effect, the entire arbitration agreement shall be unenforceable.



You are solely responsible for any and all duties, taxes, levies or fees (including any sales, use or withholding taxes) imposed on or in connection with these Terms of Use or your use of the Service by any authority.


No Waiver

No waiver of any term of these Terms of Use shall be deemed a further or continuing waiver of such term or any other term, and Rela’s failure to assert any right or provision under these Terms of Use shall not constitute a waiver of such right or provision.