Last updated: November 15, 2026
Welcome to Damarindo Mandiri. These Terms and Conditions ("Terms") govern your access to and use of the website https://us.damarindomandiri.com/ (the "Site"). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
Use of the Site
You may use the Site for lawful, personal and non-commercial research purposes. You agree not to:
- Use the Site in any way that breaks applicable laws or regulations
- Copy, scrape or republish substantial parts of our content without written permission
- Attempt to gain unauthorized access to the Site, its servers or related systems
- Introduce viruses, malware or other harmful code
- Interfere with advertising on the Site, including generating artificial clicks or impressions
- Use the Site to send spam or unsolicited communications
We may suspend or restrict access to the Site for anyone who breaks these Terms.
Intellectual Property
Unless stated otherwise, all content on the Site, including text, graphics, layouts and logos, belongs to Damarindo Mandiri or its licensors and is protected by copyright and other intellectual property laws. You may share links to our articles and quote short passages with clear attribution and a link to the original page. Any other reproduction requires our prior written permission.
Trademarks, product names and company names mentioned on the Site belong to their respective owners. Their mention does not imply endorsement by, or affiliation with, those companies.
Information Only, Not Professional Advice
The content on the Site provides general information about personal insurance, including car, home, renters, life, health, dental and pet insurance, and related topics. It is not legal, financial, tax, accounting or insurance advice. Insurance prices, regulations and product features change frequently and vary by location and individual circumstances. Always confirm important details with the relevant provider, regulator or a licensed professional before making decisions. Please read our full Disclaimer.
Accuracy of Information
We work hard to keep our content accurate and up to date, and we cite sources where we use specific figures. However, we do not guarantee that all information is complete, current or error-free. Premium averages and cost ranges in our articles reflect third-party data at the time of writing and may not match the quotes you receive.
Third-Party Links and Advertising
The Site contains links to third-party websites and displays advertisements, including ads served by Google AdSense. We do not control and are not responsible for third-party websites, products or services, and including a link or advertisement does not mean we endorse it. Your dealings with advertisers are solely between you and the advertiser. See our Advertising Disclosure for more information.
Limitation of Liability
To the fullest extent permitted by law, Damarindo Mandiri and its owners, writers and partners will not be liable for any direct, indirect, incidental, consequential or special damages arising from your use of, or inability to use, the Site or its content, including any decisions you make based on information found on the Site.
The Site is provided “as is” and “as available” without warranties of any kind, whether express or implied, including warranties of accuracy, fitness for a particular purpose and non-infringement.
Indemnification
You agree to indemnify and hold harmless Damarindo Mandiri and its owners and contributors from any claims, losses or expenses, including reasonable legal fees, arising from your breach of these Terms or your misuse of the Site.
Privacy
Your use of the Site is also governed by our Privacy Policy, which explains how we collect and use information, including through cookies and advertising.
Changes to These Terms
We may update these Terms from time to time. When we do, we will change the “Last updated” date above. Your continued use of the Site after changes take effect means you accept the updated Terms.
Governing Law
These Terms are governed by the laws of the Republic of Indonesia, without regard to conflict of law principles. Nothing in these Terms limits any rights you may have under the mandatory consumer protection laws of the country where you live.
Contact
If you have questions about these Terms, please contact us at [email protected] or through our Contact Us page.