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Terms of Service

Last updated: 20 July 2026

These Terms of Service ("Terms") govern your access to and use of Avyra — Insurance Intelligence OS ("Avyra", the "Service"), provided by Vanquish Capital Sdn Bhd (202101024015 (1424315-V)) ("Vanquish Capital", "we", "us"). By creating an account or using the Service, you ("the Agency", "you") agree to these Terms. If you do not agree, do not use the Service.

1. The Service

Avyra is a cloud-based software platform that helps insurance agencies manage customers, policies, renewals, documents, and related workflows. We may add, change, or remove features from time to time.

2. Eligibility and accounts

You must be a validly operating insurance agency or agent and at least 18 years old to use Avyra. You are responsible for the accuracy of your registration details, for keeping your login credentials secure, and for all activity that occurs under your account and your users' accounts. Notify us promptly of any unauthorised use.

3. Free trial, fees and billing

  • Avyra is offered on a subscription basis at RM 68 per agency per month, or such price as we publish from time to time. Prices are in Malaysian Ringgit and may exclude applicable taxes.
  • New agencies may receive a 7-day free trial, no card required. At the end of the trial, continued use requires a paid subscription.
  • Subscription fees are billed in advance on a recurring monthly basis and are non-refundable except where required by law. You may cancel at any time; cancellation stops future billing and takes effect at the end of the current billing period.
  • We may change our fees on reasonable prior notice; changes apply from your next billing cycle.

4. Your data and responsibilities

  • You retain ownership of the data you enter into Avyra, including your customers' personal data ("Your Data").
  • You are the data controller for Your Data and are solely responsible for the legality, accuracy, and quality of Your Data and for obtaining any consents required under the PDPA and other applicable laws to collect it and enter it into Avyra. We process Your Data only as a data processor on your behalf, as described in our Privacy Policy.
  • You must not use Avyra to store or process data unlawfully, and you must comply with all laws applicable to your business, including insurance regulations and data protection law.

5. Acceptable use

You agree not to: (a) use the Service for any unlawful, fraudulent, or harmful purpose; (b) attempt to gain unauthorised access to the Service, other Agencies' data, or our systems; (c) reverse engineer, copy, resell, or sublicense the Service except as permitted; (d) upload malware or interfere with the Service's operation; or (e) use the Service to send unsolicited or unlawful communications.

6. Intellectual property

The Service, including all software, design, and content we provide (excluding Your Data), is owned by Vanquish Capital and its licensors and is protected by law. We grant you a limited, non-exclusive, non-transferable right to use the Service during your subscription. You grant us the limited rights necessary to host and process Your Data to provide the Service.

7. Availability and support

We aim to keep Avyra available and reliable but do not guarantee uninterrupted or error-free operation. We may perform maintenance, and features may occasionally be unavailable. Support is provided on a reasonable-efforts basis through our contact page at avyra.my/contact.

8. Disclaimers

The Service is provided "as is" and "as available", without warranties of any kind, whether express or implied, to the fullest extent permitted by law. Avyra is a management tool and does not provide legal, financial, insurance, or professional advice; you remain responsible for your own regulatory and professional obligations.

9. Limitation of liability

To the fullest extent permitted by law, Vanquish Capital shall not be liable for any indirect, incidental, special, consequential, or exemplary loss, or for any loss of profits, revenue, data, or goodwill. Our total aggregate liability arising out of or relating to the Service shall not exceed the fees paid by you to us for the Service in the twelve (12) months preceding the event giving rise to the claim.

10. Indemnity

You agree to indemnify and hold harmless Vanquish Capital against claims, losses, and expenses arising from your use of the Service, Your Data, or your breach of these Terms or of applicable law, including any claim by your insurance customers relating to your handling of their data.

11. Suspension and termination

We may suspend or terminate your access if you breach these Terms, fail to pay fees, or use the Service in a way that risks harm to the Service or others. You may terminate by cancelling your subscription. On termination, your right to use the Service ends. We will make Your Data available for export for a reasonable period after termination, after which it may be deleted, subject to any legal retention requirements.

12. Changes to these Terms

We may update these Terms from time to time. Material changes will be notified through the Service or by email. Continued use after changes take effect constitutes acceptance.

13. Governing law

These Terms are governed by the laws of Malaysia, and the courts of Malaysia shall have jurisdiction over any dispute arising from them.

14. Contact

Questions about these Terms may be sent through our contact page at avyra.my/contact.