We provide a service which enables you to compare prices and features for a number of products and services, as well as product information from the providers on our panel. This will enable you make an informed decision before proceeding to your chosen provider for further information.

We do not provide financial or other advice in relation to the products or services compared, nor do we provide a recommendation or endorsement.

  1. General

1.1 These Terms and Conditions apply to your use of this website.

1.2 By using this website you agree to these Terms and Conditions. If you do not wish to be bound by these Terms and Conditions you should not use this website.

1.3 We may change these Terms and Conditions from time to time. We will give you notice of any changes by posting those changes on our website. We will not vary any terms and conditions which you previously agreed whilst using this website. However, any amended Terms and Conditions will apply to your use of this website from the date they are posted and if you do not agree with the amended Terms and Conditions, you are entitled to stop using this website at that time.

1.4 This Terms of Use Agreement (“Agreement”) governs your access and use of the website and insurance quote engine operated by Ignite Service (Thailand) Co. Ltd., trading under the name Mr.Kumka and located at www.mrkumka.com (collectively, the “Website”). By accessing, browsing, and using this Website, you (“you” or “User”) agree that you have read, understood, and accept this Agreement. Please read it very carefully and if you do not agree with any of the terms herein, do not use the Website.

2. Privacy

Our privacy policy (“Privacy Policy”) found below, discusses the information that we collect from you when you visit and use our Website, how we share it, and how we use it. It forms a part of this Agreement and is hereby incorporated by reference and by using the Website you consent to it and the collection, use and sharing of information discussed therein.

3. Representations About Customer

You represent and warrant to us that you have the power and authority to enter into this Agreement. You represent and warrant that the information that you provide to us will be current, true, accurate, provable and complete, and that if you provide incorrect or incomplete information it may affect the value of the Website to you. The Website is not designed for use by children under the age of 13, and we do not intentionally collect personal information from children through our Website. Thus, as a condition to using our Website, you represent and warrant to us that you are at least 13 years of age. If you are 13 or older but under the age of 18, you must review this Agreement with your parent or guardian to make sure that you and your parent or guardian understand it and that they agree to it on your behalf.

4. User Acknowledgements

Unless you are an insurance broker, insurance agent, or other insurance professional (“Service Provider”) or order a specific service through the Site, Mr.Kumka does not charge you a fee to use the Website. Service Providers may pay Mr.Kumka fees for services and to be matched with users of the Website, however Mr.Kumka is not involved with and is not responsible for any fee arrangement that you may enter into with any Service Provider. You acknowledge and agree to this compensation arrangement. As a part of our quoting process, our Service Providers may be confirming some of the information you have provided us today with consumer reports where permitted by law. These reports may include information such as your driving and credit history. The information furnished on these reports will allow us to provide you with the most appropriate premium for your policy. You hereby release Mr.Kumka of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a Service Provider’s products or services, including any fees charged by a Service Provider.

5. Intellectual Property with Respect to the Website

The User acknowledges that all rights, titles and interests, including without limitation all Intellectual Property Rights, associated with the Services and the Mr.Kumka’s Website are owned by or licensed to Mr.Kumka, and that User shall not acquire or infringe any rights, titles, or interests in or to the Intellectual Property Rights associated with the Services and/or Mr.Kumka’s Website.

The content of this Website is protected by law, including without limitation, Thailand copyright law, trademark law, and applicable international treaties. We reserve all rights in and to the Website and all related intellectual property not expressly granted under this Agreement. If you submit comments, suggestions, ratings, or other feedback regarding the Website or your experience (“Feedback”), you agree that we will be free to use such Feedback for any purpose and without restriction or obligation to you. You are granted permission to use the information provided to you on or via the Website solely for your own personal, non-commercial use, provided that none of the content is modified and that any legal legends are retained. You may not “mirror” any content contained within this Website without our express prior written consent. Except as stated herein, none of the content may be use, reproduced, distributed, published, displayed, downloaded, or transmitted in any form by any means without our prior written permission.

6. Restrictions on use of the Website

You may not rent, lease, lend, sell, redistribute, reproduce or sublicense the Website. You may not copy, decompile, reverse-engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of the Website, or any part thereof. If for some reason these restrictions are prohibited by applicable law or by an agreement we have with one of our licensors, then the activities are permitted only to the extent necessary to comply with such law or license(s). You may not exploit the Website in any unauthorized way whatsoever, including, but not limited to, by trespass or burdening network capacity.

7. Limitations on Availability

The Website is controlled and operated by Mr.Kumka from within Thailand. The Website or some aspects thereof may not be available in all languages or in all countries. We make no representation that the Website is available or permitted in any particular location. Use of the Website is void where prohibited. You use the Website at your own initiative and are responsible for compliance with any applicable laws. We may also impose limits on the use or access to the Website as required by law.

8. Third Party Offerings

Mr.Kumka provides a tool via which you can obtain estimates and certain other information concerning third-party product and service providers, such as Service Providers. Mr.Kumka is not responsible for either the availability of these Service Providers or their offerings, including for any products or services you may obtain by contacting any of them as a result of your use of the Website or the features hereof. We make no guarantees regarding the quotes, fees, terms, rates, coverage or services offered or made available by Service Providers. Mr.Kumka does not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available.

We do not control the price, length of offers, or special conditions relating to price comparison quotes. These are set by product or service providers. If the User obtains a quote and would like to see how long it is valid for or any special conditions relating to it, please click through the links contained on Mr.Kumka’s website to the product provider or service provider’s website. Product and service providers’ prices, rates and offer times are updated and amended on a regular basis so our price comparisons are subject to change.

To purchase any of the products or services described on the website you must contact the product or service provider. When a price is shown on this website you will also find a direct link to the product or service provider’s website. For some products or services, you may need to or choose to complete your transaction over the telephone. The product and contact details of the product or service provider are listed on their website(s).

Mr.Kumka does not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any products or services that they may provide to you and that Mr.Kumka shall not be liable for any losses, costs, damages or claims in connection with, arising from or related to your use of a Service Provider’s products or services. Mr.Kumka urges you to obtain the advice of financial advisors, insurance agents, brokers or other qualified professionals who are fully aware of your individual circumstances before you make any insurance decisions. You acknowledge and agree that you rely solely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.

9. We are not an Insurance Underwriter or Agent

Mr.Kumka is not an insurance underwriter, does not endorse or recommend the products or services of any Service Provider, and is not an agent or advisor to you or any Service Provider.

10. Disclaimer of Warranty

The website and its content are provided to you strictly on an “as is” and “as available” basis. Our estimates might be wrong. All conditions, representations and warranties, whether express, implied, statutory or otherwise, including, without limitation, any implied warranty of merchantability, fitness for a particular purpose, accuracy or non-infringement of third party rights, are hereby disclaimed to the maximum extent permitted by applicable law. You expressly agree that your use of the website and all products and services included on or associated with the site is at your sole risk.

11. Limitation of Liability

In no event shall Mr.Kumka be liable to you or any third party, whether in contract, tort, warranty, reliance, or otherwise, for any indirect, consequential, exemplary, incidental, special or punitive damages, including lost profit, arising from your use of the website, even if it has been advised of the possibility of such damages. Notwithstanding anything to the contrary contained herein, Mr.Kumka’s aggregate liability to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the amount paid to use by you for use of the website. Some jurisdictions do not allow the limitation of damages or exclusion of liability for incidental or consequential damages, so the above limitations or exclusions may not apply to you.

13. Modifications

This Agreement may be modified by Mr.Kumka at any time by updating and posting a new version of it on the Website or by otherwise notifying you of the revised Agreement. By subsequently using the Website, you agree to be bound by the terms and conditions of the version of this Agreement that is in force during such use.

14. Governing law and jurisdiction

This Agreement shall be governed by and construed in accordance with Law of Thailand. The parties hereby irrevocably agree to submit themselves to the exclusive jurisdiction of the Court of Justice of Thailand.