Common use of Duty of Disclosure Clause in Contracts

Duty of Disclosure. Consumer Insurance Contract - Where the Policyholder has applied for this Insurance wholly for purposes unrelated to the Policyholder’s trade, business or profession, the Policyholder had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when Policyholder applied for this insurance) i.e. the Policyholder should has answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance in accordance with the remedies in Schedule 9 of the Financial Services Act 2013. The Policyholder is also required to disclose any other matter that the Policyholder knews to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder also has a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or has changed. Non-Consumer Insurance Contract - Where the Policyholder has applied for this Insurance for purposes related to the Policyholder’s trade, business or profession, the Policyholder had a duty to disclose any matter that the Policyholder knows to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance. The Policyholder also has a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or has changed.

Duty of Disclosure. Consumer Insurance Contract - Where the Policyholder has applied for this Insurance wholly for purposes unrelated to the Policyholder’s trade, business or profession, the Policyholder had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when the Policyholder applied for this insurance) i.e. the Policyholder should has answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance in accordance with the remedies in Schedule 9 of the Financial Services Act 2013. The Policyholder is also required to disclose any other matter that the Policyholder knews to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder also has a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or has changed. Non-Consumer Insurance Contract - Where the Policyholder has applied for this Insurance for purposes related to the Policyholder’s trade, business or profession, the Policyholder had a duty to disclose any matter that the Policyholder knows to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance. The Policyholder also has a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or has changed.

Duty of Disclosure. Consumer Insurance Takaful Contract - Where the Policyholder Certificate Holder has applied for this Insurance Takaful wholly for purposes unrelated to the PolicyholderCertificate Holder’s trade, business or profession, the Policyholder Certificate Holder had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when Policyholder the Certificate Holder applied for this insurancetakaful) i.e. the Policyholder Certificate Holder should has answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of the PolicyholderCertificate Holder’s contract of insurancetakaful, refusal or reduction of the PolicyholderCertificate Holder’s claim(s), change of terms or termination of the PolicyholderCertificate Holder’s contract of insurance takaful in accordance with the remedies in Schedule 9 of the Islamic Financial Services Act 2013. The Policyholder Certificate Holder is also required to disclose any other matter that the Policyholder Certificate Holder knews to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder Certificate Holder also has a duty to tell Us immediately if at any time after the PolicyholderCertificate Holder’s contract of insurance takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Certificate Holder applied for this insurancetakaful) is inaccurate or has changed. Non-Consumer Insurance Takaful Contract - Where the Policyholder Certificate Holder has applied for this Insurance Takaful for purposes related to the PolicyholderCertificate Holder’s trade, business or profession, the Policyholder Certificate Holder had a duty to disclose any matter that the Policyholder knows Certificate Holder know to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the PolicyholderCertificate Holder’s contract of insurancetakaful, refusal or reduction of the PolicyholderCertificate Holder’s claim(s), change of terms or termination of the PolicyholderCertificate Holder’s contract of insurancetakaful. The Policyholder Certificate Holder also has a duty to tell Us immediately if at any time after the PolicyholderCertificate Holder’s contract of insurance takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Certificate Holder applied for this insurancetakaful) is inaccurate or has changed.

Duty of Disclosure. Consumer Insurance Takaful Contract - Where the Policyholder Certificate Holder has applied for this Insurance Takaful wholly for purposes unrelated to the PolicyholderCertificate Holder’s trade, business or profession, the Policyholder Certificate Holder had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when Policyholder the Certificate Holder applied for this insurancetakaful) i.e. the Policyholder Certificate Holder should has answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of the PolicyholderCertificate Holder’s contract of insurancetakaful, refusal or reduction of the PolicyholderCertificate Holder’s claim(s), change of terms or termination of the PolicyholderCertificate Holder’s contract of insurance takaful in accordance with the remedies in Schedule 9 of the Islamic Financial Services Act 2013Xxx 0000. The Policyholder Certificate Holder is also required to disclose any other matter that the Policyholder Certificate Holder knews to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder Certificate Holder also has a duty to tell Us immediately if at any time after the PolicyholderCertificate Holder’s contract of insurance takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Certificate Holder applied for this insurancetakaful) is inaccurate or has changed. Non-Consumer Insurance Takaful Contract - Where the Policyholder Certificate Holder has applied for this Insurance Takaful for purposes related to the PolicyholderCertificate Holder’s trade, business or profession, the Policyholder Certificate Holder had a duty to disclose any matter that the Policyholder Certificate Holder knows to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the PolicyholderCertificate Holder’s contract of insurancetakaful, refusal or reduction of the PolicyholderCertificate Holder’s claim(s), change of terms or termination of the PolicyholderCertificate Holder’s contract of insurancetakaful. The Policyholder Certificate Holder also has a duty to tell Us immediately if at any time after the PolicyholderCertificate Holder’s contract of insurance takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Certificate Holder applied for this insurancetakaful) is inaccurate or has changed.

Duty of Disclosure. Consumer Insurance Contract - Where the Policyholder has applied for this Insurance wholly for purposes unrelated to the Policyholder’s trade, business or profession, the Policyholder had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when the Policyholder applied for this insurance) i.e. the Policyholder should has have answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance in accordance with the remedies in Schedule 9 of the Financial Services Act 2013. The Policyholder is were also required to disclose any other matter that the Policyholder knews knew to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder also has a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or has changed. Non-Consumer Insurance Contract - Where the Policyholder has applied for this Insurance wholly for purposes related to the Policyholder’s trade, business or profession, the Policyholder had a duty to disclose any matter that the Policyholder knows You know to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance. The the Policyholder also has have a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or has changed.

Duty of Disclosure. Consumer Insurance Contract - – Where the Policyholder has applied for this Insurance wholly for purposes unrelated to the Policyholder’s trade, business or professionhimself/family/dependants, the Policyholder had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when the Policyholder applied for this insurance) i.e. the Policyholder should has answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance in accordance with the remedies in Schedule 9 of the Financial Services Act 2013. The Policyholder is also required to disclose any other matter that the Policyholder knews to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder also has a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or has changed. Non-Consumer Insurance Contract - – Where the Policyholder has applied for this Insurance for purposes related the purpose of providing medical insurance benefits to the Policyholder’s trade, business or professionemployees and their dependants, the Policyholder had a duty to disclose any matter that the Policyholder knows to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance. The Policyholder also has a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Policyholder’s applied for this insurance) is inaccurate or has changed.

Duty of Disclosure. Consumer Insurance Contract - Where the Policyholder has applied for this Insurance wholly for purposes unrelated to the Policyholder’s trade, business or profession, the Policyholder had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when Policyholder applied for this insurance) i.e. the Policyholder should has answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance in accordance with the remedies in Schedule 9 of the Financial Services Act 2013. The Policyholder is also required to disclose any other matter that the Policyholder knews to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder also has a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or has changed. Non-Consumer Insurance Contract - Where the Policyholder has applied for this Insurance for purposes related to the Policyholder’s trade, business or profession, the Policyholder had a duty to disclose any matter that the Policyholder knows to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance. The Policyholder also has a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or has changed.

Duty of Disclosure. Consumer Insurance Takaful Contract - – Where the Policyholder Person Covered has applied for this Insurance Certificate of Takaful wholly for purposes unrelated to the PolicyholderPerson Covered’s trade, business or profession, the Policyholder Person Covered had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when Policyholder the Person Covered applied for this insuranceCertificate of Takaful) i.e. the Policyholder Person Covered should has answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of the PolicyholderPerson Covered’s contract Certificate of insuranceXxxxxxx, refusal or reduction of the PolicyholderPerson Covered’s claim(s), change of terms or termination of the PolicyholderPerson Covered’s contract Certificate of insurance Takaful in accordance with the remedies in Schedule 9 of the Islamic Financial Services Act 2013. The Policyholder Person Covered is also required to disclose any other matter that the Policyholder Person Covered knews to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder Person Covered also has a duty to tell Us immediately if at any time after the PolicyholderPerson Covered’s contract Certificate of insurance Takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Person Covered applied for this insurancetakaful) is inaccurate or has changed. Non-Consumer Insurance Takaful Contract - – Where the Policyholder Person Covered has applied for this Insurance Certificate of Takaful for purposes related to the PolicyholderPerson Covered’s trade, business or profession, the Policyholder Person Covered had a duty to disclose any matter that the Policyholder knows Person Covered know to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the PolicyholderPerson Covered’s contract Certificate of insuranceTakaful, refusal or reduction of the PolicyholderPerson Covered’s claim(s), change of terms or termination of the PolicyholderPerson Covered’s contract Certificate of insuranceTakaful. The Policyholder Person Covered also has a duty to tell Us immediately if at any time after the PolicyholderPerson Covered’s contract Certificate of insurance Takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Person Covered applied for this insurancetakaful) is inaccurate or has changed.

Duty of Disclosure. Consumer Insurance Takaful Contract - Where the Policyholder Certificate Holder has applied for this Insurance Takaful wholly for purposes unrelated to the PolicyholderCertificate Holder’s trade, business or profession, the Policyholder Certificate Holder had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when Policyholder the Certificate Holder applied for this insurancetakaful) i.e. the Policyholder Certificate Holder should has have answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of the PolicyholderCertificate Holder’s contract of insurancetakaful, refusal or reduction of the PolicyholderCertificate Holder’s claim(s), change of terms or termination of the PolicyholderCertificate Holder’s contract of insurance takaful in accordance with the remedies in Schedule 9 of the Islamic Financial Services Act 2013Xxx 0000. The Policyholder is Certificate Holder was also required to disclose any other matter that the Policyholder knews Certificate Holder knew to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder Certificate Holder also has a duty to tell Us immediately if at any time after the PolicyholderCertificate Holder’s contract of insurance takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Certificate Holder applied for this insurancetakaful) is inaccurate or has changed. Non-Consumer Insurance Takaful Contract - Where the Policyholder Certificate Holder has applied for this Insurance Takaful wholly for purposes related to the PolicyholderCertificate Holder’s trade, business or profession, the Policyholder Certificate Holder had a duty to disclose any matter that the Policyholder knows Certificate Holder know to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the PolicyholderCertificate Holder’s contract of insurancetakaful, refusal or reduction of the PolicyholderCertificate Holder’s claim(s), change of terms or termination of the PolicyholderCertificate Holder’s contract of insurancetakaful. The Policyholder the Certificate Holder also has have a duty to tell Us immediately if at any time after the PolicyholderCertificate Holder’s contract of insurance takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Certificate Holder applied for this insurancetakaful) is inaccurate or has changed.

Duty of Disclosure. Consumer Insurance Contract - Where the Policyholder has applied for this Insurance wholly for purposes unrelated to the Policyholder’s trade, business or profession, the Policyholder had ‌ You have a duty to take reasonable care not to make a any misrepresentation in answering the questions in providing information through the Proposal Form (Form, correspondences or when Policyholder applied for this insurance) i.e. the Policyholder should has answered the questions fully and accuratelyany other form of disclosure. Failure to have taken take reasonable care in answering the questions may result in avoidance of the Policyholder’s contract of insuranceYour insurance contract, refusal or reduction of the Policyholder’s Your claim(s), change of terms or termination of Your insurance contract. In the Policyholder’s contract event of insurance any pre- contractual misrepresentations made in accordance with relation to the information in any form disclosed by You, only remedies in Schedule 9 of the Financial Services Act 20132013 will apply. The Policyholder is also required to disclose any other matter that the Policyholder knews to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder also has You have a duty to tell Us immediately if at any time after the Policyholder’s Your insurance contract of insurance has been entered into, varied or renewed with Us withUs, any of the information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or has changed. Non-Consumer Insurance Contract - Where At the Policyholder has applied for point of purchasing this Insurance for purposes related Policy and at any point during the validity of this insurance contract, You must immediately inform Us of any other insurance You have bought which provides like or similar type of coverage to the Policyholder’s tradeitems insured under this insurance contract. DEFINITIONS‌ Some words and expressions in this Policy have been printed in bold because they have been given specific meaning as follows: Business HoursThe period during which Your Premises are occupied for business purposes and/or where either You or Your Employeesentrusted with Money are in the Premises Employee(s)Any person, business servant or professionappointed representative in Your employment or service. EndorsementA written alteration to the terms, conditions and/or warranties of this Policy. MoneyCurrent coin, bank and currency notes, cheques, money orders, postal orders, current unused postage stamps, revenue stamps and bills of exchange Period of InsuranceDuration of the Policyholder had a duty Policy as shown in the Schedule. PollutantsAny solid, liquid, gaseous or thermal irritant or contaminant, including but not limited to disclose any matter that the Policyholder knows smoke, vapour, soot, fumes, acid, alkalis, chemicals and waste including materials to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person recycled, reconditioned or reclaimed. PremisesThe Premises mentioned in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the Policyholder’s contract of insuranceSchedule shall not include any yard, refusal garden, outbuilding or reduction of the Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance. The Policyholder also has a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given other appurtenances unless specifically stated in the Proposal Form (Schedule PremiumAny amount We require You to pay under the Policy and includes Government charges. ScheduleThe Policy Schedule where the details of Your personal information, Premium, risk location, interest insured and Sum Insured/ Limit of Liability / Amount of Guarantee / Limit of Indemnity are specified. Sum Insured / Limit of Liability / Amount of Guarantee /Limit of IndemnityThe amount You have selected to insure as shown in the Schedule. Vessel or when CraftAny vessel, craft or thing made or intended to float on or in or travel on or through water or air. We, Our or UsBerjaya Sompo Insurance Berhad. You or Your The person(s) or entity named in the Policyholder applied for this insurance) is inaccurate or has changedSchedule as the insured.

Duty of Disclosure. Consumer Insurance Contract - Where the Policyholder has applied for this Insurance wholly for purposes unrelated to the Policyholder’s trade, business or profession, the Policyholder had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when the Policyholder applied for this insurance) i.e. the Policyholder should has answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance in accordance with the remedies in Schedule 9 of the Financial Services Act 2013. The Policyholder is also required to disclose any other matter that the Policyholder knews to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder also has a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or has changed. Non-Consumer Insurance Contract - Where the Policyholder has applied for this Insurance for purposes related to the Policyholder’s trade, business or profession, the Policyholder had a duty to disclose any matter that the Policyholder knows know to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance. The Policyholder also has a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or has changed.

Duty of Disclosure. Consumer Insurance Contract - Where the Policyholder has applied for this Insurance wholly Insurancewholly for purposes unrelated to the PolicyholderPolicyholder ’s trade, business or profession, the Policyholder had a duty to take reasonable care not to make mak e a misrepresentation in answering the mi s repres entati on i n an swering th e questions in the Proposal Form (or when the Policyholder applied for this insurance) i.e. the Policyholder should has answered the questions fully and accurately. Failure to have taken reasonable care in carein answering the questions may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the Policyholder’s claim(s), change of terms or termination of the PolicyholderthePolicyholder’s contract of insurance in i n accordance with the remedies in Schedule 9 of the Financial Services Act 2013. The Policyholder is also required to disclose any other matter that the Policyholder knews to be relevant to Our decision in accepting the risks and determining the determiningthe rates and an d terms to be appliedap p li ed. The Th e Policyholder also has a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or i nac curate o r has changed. Non-Consumer Insurance Contract - Where the Policyholder has applied for this Insurance for purposes related to the Policyholder’s trade, business or profession, the Policyholder had a duty to disclose any matter that the Policyholder knows to be relevant relev ant to Our decision in O ur d ec isi on i n accepting the risks therisks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could c i rcumstances c ould be expected to know to be relevant otherwise it may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the o f th e Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance. The Policyholder ThePolicyholder also has a duty to tell tel l Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or o r renewed with wi th Us any of the an y o f th e information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or has changed.

Duty of Disclosure. Consumer Insurance Takaful Contract - – Where the Policyholder Certificate Holder has applied for this Insurance Takaful wholly for purposes unrelated to the PolicyholderCertificate Holder’s trade, business or profession, the Policyholder Certificate Holder had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when Policyholder the Certificate Holder applied for this insurancetakaful) i.e. the Policyholder Certificate Holder should has answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of the PolicyholderCertificate Holder’s contract of insurancetakaful, refusal or reduction of the PolicyholderCertificate Holder’s claim(s), change of terms or termination of the PolicyholderCertificate Holder’s contract of insurance takaful in accordance with the remedies in Schedule 9 of the Islamic Financial Services Act 2013. The Policyholder Certificate Holder is also required to disclose any other matter that the Policyholder Certificate Holder knews to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder Certificate Holder also has a duty to tell Us immediately if at any time after the PolicyholderCertificate Holder’s contract of insurance takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Certificate Holder applied for this insurancetakaful) is inaccurate or has changed. Non-Consumer Insurance Takaful Contract - – Where the Policyholder Certificate Holder has applied for this Insurance Takaful for purposes related to the PolicyholderCertificate Holder’s trade, business or profession, the Policyholder Certificate Holder had a duty to disclose any matter that the Policyholder knows Certificate Holder know to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the PolicyholderCertificate Holder’s contract of insurancetakaful, refusal or reduction of the PolicyholderCertificate Holder’s claim(s), change of terms or termination of the PolicyholderCertificate Holder’s contract of insurancetakaful. The Policyholder Certificate Holder also has a duty to tell Us immediately if at any time after the PolicyholderCertificate Holder’s contract of insurance takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Certificate Holder applied for this insurancetakaful) is inaccurate or has changed.

Duty of Disclosure. Consumer Insurance Contract - Where the Policyholder has applied for this Insurance wholly for purposes unrelated to the Policyholder’s trade, business or profession, the Policyholder had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when the Policyholder applied for this insurance) i.e. the Policyholder should has answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance in accordance with the remedies in Schedule 9 of the Financial Services Act 2013. The Policyholder is also required to disclose any other matter that the Policyholder knews knew to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder also has a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or has changed. Non-Consumer Insurance Contract - Where the Policyholder has applied for this Insurance for purposes related to the Policyholder’s trade, business or profession, the Policyholder had a duty to disclose any matter that the Policyholder knows to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the Policyholder’s contract of insurance, refusal or reduction of the Policyholder’s claim(s), change of terms or termination of the Policyholder’s contract of insurance. The Policyholder also has a duty to tell Us immediately if at any time after the Policyholder’s contract of insurance has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder applied for this insurance) is inaccurate or has changed.

Duty of Disclosure. Consumer Insurance Takaful Contract - Where the Policyholder Certificate Holder has applied for this Insurance Takaful wholly for purposes unrelated to the PolicyholderCertificate Holder’s trade, business or profession, the Policyholder Certificate Holder had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when Policyholder the Certificate Holder applied for this insurancetakaful) i.e. the Policyholder Certificate Holder should has have answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of the PolicyholderCertificate Holder’s contract of insurancetakaful, refusal or reduction of the PolicyholderCertificate Holder’s claim(s), change of terms or termination of the PolicyholderCertificate Holder’s contract of insurance takaful in accordance with the remedies in Schedule 9 of the Islamic Financial Services Act 2013. The Policyholder is Certificate Holder was also required to disclose any other matter that the Policyholder knews Certificate Holder knew to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder Certificate Holder also has a duty to tell Us immediately if at any time after the PolicyholderCertificate Holder’s contract of insurance takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Certificate Holder applied for this insurancetakaful) is inaccurate or has changed. Non-Consumer Insurance Takaful Contract - Where the Policyholder Certificate Holder has applied for this Insurance Takaful wholly for purposes related to the PolicyholderCertificate Holder’s trade, business or profession, the Policyholder Certificate Holder had a duty to disclose any matter that the Policyholder knows Certificate Holder know to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the PolicyholderCertificate Holder’s contract of insurancetakaful, refusal or reduction of the PolicyholderCertificate Holder’s claim(s), change of terms or termination of the PolicyholderCertificate Holder’s contract of insurancetakaful. The Policyholder the Certificate Holder also has have a duty to tell Us immediately if at any time after the PolicyholderCertificate Holder’s contract of insurance takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Certificate Holder applied for this insurancetakaful) is inaccurate or has changed.

Duty of Disclosure. Consumer Insurance Takaful Contract - Where the Policyholder Person Covered has applied for this Insurance Certificate of Takaful wholly for purposes unrelated to the PolicyholderPerson Covered’s trade, business or profession, the Policyholder Person Covered had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when Policyholder the Person Covered applied for this insuranceCertificate of Takaful) i.e. the Policyholder Person Covered should has answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of the PolicyholderPerson Covered’s contract Certificate of insuranceXxxxxxx , refusal or reduction of the PolicyholderPerson Covered’s claim(s), change of terms or termination of the PolicyholderPerson Covered’s contract Certificate of insurance Takaful in accordance with the remedies in Schedule 9 of the Islamic Financial Services Act 2013. The Policyholder Person Covered is also required to disclose any other matter that the Policyholder Person Covered knews to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder Person Covered also has a duty to tell Us immediately if at any time after the PolicyholderPerson Covered’s contract Certificate of insurance Takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Person Covered applied for this insurancetakaful) is inaccurate or has changed. Non-Consumer Insurance Takaful Contract - Where the Policyholder Person Covered has applied for this Insurance Takaful for purposes related to the PolicyholderPerson Covered’s trade, business or profession, the Policyholder Person Covered had a duty to disclose any matter that the Policyholder knows Person Covered know to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant otherwise it may result in avoidance of the PolicyholderPerson Covered’s contract Certificate of insuranceTakaful , refusal or reduction of the PolicyholderPerson Covered’s claim(s), change of terms or termination of the PolicyholderPerson Covered’s contract Certificate of insuranceTakaful. The Policyholder Person Covered also has a duty to tell Us immediately if at any time after the PolicyholderPerson Covered’s contract Certificate of insurance Takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Person Covered applied for this insurancetakaful) is inaccurate or has changed.

Duty of Disclosure. Consumer Insurance Takaful Contract - Where the Policyholder Person Covered has applied for this Insurance Certificate of Takaful wholly for purposes unrelated to the PolicyholderPerson Covered’s trade, business or profession, the Policyholder Person Covered had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when Policyholder the Person Covered applied for this insuranceCertificate of Takaful) i.e. the Policyholder Person Covered should has answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of the PolicyholderPerson Covered’s contract Certificate of insuranceXxxxxxx, refusal or reduction of the PolicyholderPerson Covered’s claim(s), change of terms or termination of the PolicyholderPerson Covered’s contract Certificate of insurance Takaful in accordance with the remedies in Schedule 9 of the Islamic Financial Services Act 2013. The Policyholder Person Covered is also required to disclose any other matter that the Policyholder Person Covered knews to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied. The Policyholder Person Covered also has a duty to tell Us immediately if at any time after the PolicyholderPerson Covered’s contract Certificate of insurance Takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Person Covered applied for this insurancetakaful) is inaccurate or has changed. Non-Consumer Insurance Takaful Contract - Where the Policyholder Person Covered has applied for this Insurance Takaful for purposes related to the PolicyholderPerson Covered’s trade, business or profession, the Policyholder Person Covered had a duty to disclose any matter that the Policyholder knows Person Covered know to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances c ircumstances could be expected to know to be relevant otherwise it may result in avoidance of the PolicyholderPerson Covered’s contract Certificate of insuranceTakaful, refusal or reduction of the PolicyholderPerson Covered’s claim(s), change of terms or termination of the PolicyholderPerson Covered’s contract Certificate of insuranceTakaful. The Policyholder Person Covered also has a duty to tell Us immediately if at any time after the PolicyholderPerson Covered’s contract Certificate of insurance Takaful has been entered into, varied or renewed with Us any of the information given in the Proposal Form (or when the Policyholder Person Covered applied for this insurancetakaful) is inaccurate or has changed.