Terms of Use and Privacy Policy

By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. These conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then-current conditions to which you are bound.

To the fullest extent permissible pursuant to applicable law, the materials on this website are provided as is and without warranties of any kind, either expressed or implied. CheahThimFook.com and Psalm Agency and its associates disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.  We do not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. We do not warrant or make any representations regarding the use or the results of the use, of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not CheahThimFook.com) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all applicable terms, exclusions and conditions and are provided solely for general informational purposes. Please refer to the actual policy or the relevant product or services agreement. This website may be linked to other websites which are not maintained by CheahThimFook.com.  We are not responsible for the content of such websites. The inclusion of any link to such websites does not imply CheahThimFook.com’s approval or endorsement of such sites or the content thereof.

While CheahThimFook.com uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible pursuant to applicable law, CheahThimFook.com makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall CheahThimFook.com or any party involved in creating, producing, or delivering this website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if CheahThimFook or a CheahThimFook.com authorized representative has been advised of the possibility of such damages. In no event shall CheahThimFook.com’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website. CheahThimFook.com also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website.

This website is owned and operated by CheahThimFook.com. Except as otherwise expressly permitted by CheahThimFook.com, no materials from this website or any website owned, operated, licensed or controlled by CheahThimFook.com may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without CheahThimFook.com’s prior written permission. CheahThimFook.com neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

Unless otherwise expressly set forth herein, CheahThimFook.com makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so by their own initiative and are responsible for compliance with local laws. Except as expressly set forth herein, the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service offered by CheahThimFook.com. No security, insurance product or other product or service is offered or will be sold by CheahThimFook.com or, if sold by CheahThimFook.com will be effective in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions. The information on this website is purely for educational and non-financial  purposes.  You are advised to seek your financial consultants and legal advisors  for prudent advice for making any decisions to purchase or use any of the products and services mentioned in this website.

Any information, other than personal data or information you transmit to CheahThimFook.com via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of CheahThimFook.com. Such information, other than personal data or information may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting.CheahThimFook.com is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to CheahThimFook.comvia this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

All trademarks, service marks, trade names, logos, and icons are proprietary to CheahThimFook.com. Nothing contained on this website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of CheahThimFook.com. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with the permission by CheahThimFook.com. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by CheahThimFook.com. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the Malaysia and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export control laws and regulations. CheahThimFook.com does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction where such activity is prohibited by export controls laws and regulations.


“Personal Information” is information that identifies and relates to you or other individuals (such as your dependants).  This Privacy Policy describes how we handle Personal Information that we collect both through this website (the “Site”) and through other means (for example, from your application and claim forms, telephone calls, e-mails and other communications with us, as well as from claim investigators, medical professionals, witnesses or other third parties involved in our business dealings with you .

In the course of marketing and providing insurance, and processing claims, CheahThimFook.com or Psalm Agency may make Personal Information available to third parties such as other insurers; reinsurers; insurance and reinsurance brokers and other intermediaries and agents; loss adjusters and panel workshops, panel medical practitioners and hospitals, appointed representatives; distributors; affinity marketing partners; and financial institutions, securities firms and other business partners.

Personal Information That We Collect
Depending on your relationship with us (for example, as a consumer policyholder; non-policyholder insured or claimant; witness; commercial broker or appointed representative; or other person relating to our business), Personal Information collected about you and your dependants may include:

  • General identification and contact information
    Your name; address; e-mail and telephone details; gender; marital status; family status; date of birth; passwords; educational background; physical attributes; activity records, such as driving records; photos; employment history, skills and experience; professional licenses and affiliations; relationship to the policyholder, insured or claimant; and date and cause of death, injury or disability.
  • Identification numbers issued by government bodies or agencies
    Social Security or national insurance number; passport number; tax identification number; military identification number; or driver’s or other license number.
  • Financial information and account details
    Payment card number; bank account number and account details; credit history and credit score; assets; income; and other financial information.
  • Medical condition and health status
    Current or former physical or mental or medical condition; health status; injury or disability information; medical procedures performed; personal habits (for example, smoking or consumption of alcohol); prescription information; and medical history.
  • Other sensitive information
    In certain cases, we may receive sensitive information about your trade union membership, religious beliefs, political opinions, family medical history or genetic information (for example, if you apply for insurance through a third-party marketing partner that is a trade, religious or political organization).  In addition, we may obtain information about your criminal record or civil litigation history in the process of preventing, detecting and investigating fraud.  We may also obtain sensitive information if you voluntarily provide it to us (for example, if you express preferences regarding medical treatment based on your religious beliefs).
  • Telephone recordings
    Recordings of telephone calls to our representatives and call centers.
  • Information enabling us to provide products and services
    Location and identification of property insured (for example, property address, vehicle license plate or identification number); travel plans; age categories of individuals you wish to insure; policy and claim numbers; coverage/peril details; cause of loss; prior accident or loss history; your status as director or partner, or other ownership or management interest in an organization; and other insurance you hold.
  • Marketing preferences and customer feedback
    You may let us know your marketing preferences, enter a contest or prize draw or other sales promotion, or respond to a voluntary customer satisfaction survey.

Our service providers 

External third-party service providers, such as insurance companies, medical professionals, accountants, actuaries, auditors, experts, lawyers and other outside professional advisors; travel and medical assistance providers; call center service providers; IT systems, support and hosting service providers; printing, advertising, marketing and market research and analysis service providers; banks and financial institutions that service our accounts; third-party claim administrators; document and records management providers; claim investigators and adjusters; construction consultants; engineers; examiners; jury consultants; translators; and similar third-party vendors and outsourced service providers that assist us in carrying out business activities.

Governmental authorities and third parties involved in court action 

CheahThimFook.com OR PSALM AGENCY may also share Personal Information with governmental or other public authorities (including, but not limited to, workers’ compensation boards, courts, law enforcement, tax authorities and criminal investigations agencies); and third-party civil legal process participants and their accountants, auditors, lawyers and other advisors and representatives as we believe to be necessary or appropriate: (a) to comply with applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of any of our group companies; (f) to protect our rights, privacy, safety or property, and/or that of our group companies, you or others; and (g) to allow us to pursue available remedies or limit our damages.

Other Third Parties 

We may share Personal Information with payees; emergency providers (fire, police and medical emergency services); insurance companies, panel workshops and adjusters, medical networks, organizations and providers; travel carriers; credit bureaus; credit reporting agencies; and other people involved in an incident that is the subject of a claim; as well as purchasers and prospective purchasers or other parties in any actual or proposed reorganization, merger, sale, joint venture, assignment, transfer or other transaction relating to all or any portion of our business, assets or stock.

Personal Information may also be shared by you, on message boards, chat, profile pages and blogs, and other services on the Site to which you are able to post information and materials.  Please note that any information you post or disclose through these services will become public information, and may be available to visitors to the Site and to the general public.  We urge you to be very careful when deciding to disclose your Personal Information, or any other information, on the Site.

Access and request for correction or deletion of Personal Information

In certain countries, an individual may have the right to access, correct, object to the use of, or request deletion or suppression of Personal Information on certain grounds.   Any such requests or if you have any questions or concerns about how we process Personal Information.  Please note that some Personal Information may be exempt from access, correction, objection, deletion or suppression rights in accordance with local privacy and data protection laws.

If you need any clarification, please contact the administrator of this website.

Other Personal Information including images could be available and collected by Third Parties through your use of the internet browsers, smartphones, tablets, computers and electronic media ,communication and technological soft-wares, gadgets and tools to communicate with us or while using our website. Therefore, we urge you to exercise caution and discretion in the usage and transmission of your personal information to the third parties and to deal with them directly as these are beyond our control and responsibility.


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