Terms and Conditions

MrKumka.com is here to help you find the best deals for your insurance and other financial services


       By visiting MrKumka.com and our other social media channels (“Website”), we consider that you agree to these Terms and Conditions as well as the Privacy Policy. Please read the Terms and Conditions and Privacy Policy thoroughly. There may be


additional terms and conditions or requirements on our Website, which may appear when you visit those webpages. If you have any queries, recommendations, or comments in relation to any terms and conditions or requirements on our Website, please call us on 02-582-8836 or email us at info@mrkumka.com.


       Mr.Kumka.com (“Kumka”) is a website belonging to Roojai group companies (“Roojai”) which include Roojai Co., Ltd., Roojai Service Co., Ltd. and Ignite Service (Thailand) Co., Ltd. It is managed by us. Any content on the Website is made on behalf of all companies in Roojai group.


Our service is to compare Products and to help you find the best deal for your Products in the current market by screening Products’ offers as your requirement/interest before showing them to you with no sales agent pressure.


Our Website does not provide any advice in relation to personal matters, financial matters, investments or any other advice, thus you should make your own decision before following any information on the Website or other links on our Website.


For your convenience in using our Website, there may be links to websites which are owned and managed by third parties. We do not guarantee the accuracy, completeness, or security of the information on such third party websites.


We reserve the right to change any information on the Website or suspend the operation of the Website for improvement and maintenance at any time, without prior notice to you. Please check the last d date every time.


       All information and content on the Website, and downloadable documents including but not limited to trademarks, service marks, logos, pictures, trade names, designs and content formats and other components (Information) belong to Kumka, unless stated otherwise. We and/or a third party with our permission are the persons who have the right to use these copyrights, trademarks, or service marks vested in the Information on our Website.


No-one shall reproduce, copy, adapt, publish, sell, distribute, or exploit the Information, either partially or wholly, for any purpose other than making his/her consideration in purchasing products with us, without prior written consent from us.


For each of your recommendations and/or comments on our Website, we consider that you have given us the absolute right to use this recommendation and/or comment without any expense or your prior consent. Furthermore, we consider that you warrant with us that you will not give a recommendation and/or comment in a way violating our right or a third party’s.


       To the extent permissible by applicable law, we take reasonable and necessary steps to ensure that our Website is secure and available. We do this to provide you with the best experience possible. However, we do not make any representation or warranty, under any circumstance, either explicitly or implicitly, that our Website is secure or available at all time.


To the extent permissible by applicable law, we take reasonable and necessary steps to ensure that by using our Website, you obtain accurate, complete, and up-to-date Information, under normal website conditions – for your best experience. However, under any circumstance, we do not make any representation or warranty, either explicitly or implicitly, that the Information is accurate, complete, or up to date.


In any case, we shall not be liable for any direct, consequential, or punitive loss and/or damage, or profit loss arising from the use of Website. Under any circumstance, our liability, including negligence, shall not exceed the amount of money paid by you as a result of such loss and/or damage arising from the use of our Website (if any).


       Our Website, products and services (“Products”) are provided for the use of and the purchase by Thai citizens and those permitted to legally reside in Thailand. Our Website and Products may not be legally accessed or purchased in some countries. Therefore, by visiting our Website and purchasing our Products, any person with a nationality other than Thai shall be liable to the legality as such of his/her nationality or of other countries that such person is subject to by himself/herself. For all transactions, the price and payment shall be in Thai Baht only.

You warrant that you will not use this Website for other purposes than acting as a customer. You warrant that you will not cause any damage to this Website. You shall also not use our Website or Products for any illegal purposes.


       The content on our Website shall not be considered as an offer to sell our Products. Only your request to purchase our Products shall be considered as an offer, which we may accept or decline by taking our Terms and Conditions into account.


All Products’ requests on our Website including but not limited to cancellation requests or reimbursement requests shall be in accordance with the requirements specified by us and/or relevant product owners e.g. when the insurer receives the cancellation request with relevant documents we will reimburse your paid premium, after the reduction of any expense via the same payment channel or via credit card if it is your payment method. The reimbursement shall be within 15 days of the date we receive the documents. However, please read additional details in your relevant documents.


By giving information or documents to us, it is considered that you agree with our Privacy Policy. You also warrant that such information and documents are accurate, complete, up-to-date, and safe. Should there be any change, you have an obligation to immediately notify us of such change. In case we find out that the information about you is in conflict with the information given to us, we and/or product owners reserve our right to cancel your Products and claim for damages (if any),


We will not be liable for any loss and/or damage arising from your failure to comply with your obligation in the previous paragraph. This shall include but is not limited to, you not receiving information or documents as a result of your failure to notify the changes to your contact channel or document delivery channel, except for the case where these are attributable to our mistake solely.


       You must make payment of any fee by the due date and in accordance with the requirements specified on the payment information page of our Website. We reserve our right to cancel your policy immediately without any advance notice if you fail to do so. The refund shall be in accordance with the terms and conditions of your policy.


       For some insurance Products, MrKumka.com may provide you with an affordable premium that you can pay monthly. To do so, MrKumka.com advances the full premium to the insurer on your behalf, in compliance with the Cash-Before-Cover rule prescribed by OIC. This method is only available for payment by credit card or debit card. By choosing this plan, you agree and accept that if you fail to pay for any instalment, you are in breach of our payment terms and conditions. As a result, MrKumka.com will consider that you have instructed us to cancel your policy. We will ask the insurer to proceed with your policy cancellation. Without payment from you, your policy will expire after your first missed payment.


       For the purposes of product development, training, and corruption protection, your telephone conversations with us or your emails sent to us may be recorded. We consider that you give us a consent to use such recordings


       You agree to indemnify damages to us or a third party for any loss or damages either directly or indirectly arising from your violation of the Terms and Conditions, Privacy Policy, other terms and conditions and requirements on other webpages of our Website


       The Terms and Conditions of our Website shall be governed by the laws of Thailand. Should there be any dispute, it will be submitted before the Thai court of jurisdiction.


Should any of the Terms and Conditions be illegal, void, or unenforceable, for any reason, it shall be considered that the aforementioned Terms and Conditions never exist. This shall not affect the validity and enforceability of other Terms and Conditions.


**Warning from the Office of Insurance Commission (OIC) for insurance Products


Please give true information. The non-disclosure of true information or the disclosure of untrue information may constitute the insurer’s right to decline its liability under your insurance in accordance with section 865 of the Civil and Commercial Code


Updated: 02/03/2023