Terms and Conditions
Last updated: 22 September 2026.
Who operates the site and acceptance of the terms
storyflowxe.com operates this commercial website offering health insurance products and related services targeted at residents and businesses in Singapore. By accessing or using any part of the site you acknowledge that you have read, understood and agree to be bound by these terms and conditions. If you do not agree you must stop using the site immediately. Continued use after any update constitutes acceptance of the revised terms.
Eligibility and permitted use
You must be at least eighteen years old and legally capable of entering into contracts under Singapore law to use this site or purchase any insurance products. You may browse information for personal or professional research purposes. Commercial use such as scraping, automated data extraction or resale of content is prohibited unless expressly authorised in writing by storyflowxe.com. Access is granted on a non-exclusive, non-transferable basis and may be restricted by geographic or regulatory limits applicable in Singapore.
Prohibited conduct
Users must not upload or transmit material that is defamatory, obscene, infringing or harmful. You must not attempt to gain unauthorised access, introduce malware, interfere with site functionality or engage in any activity that could damage the reputation or operations of storyflowxe.com. Violations may result in immediate suspension and referral to Singapore authorities where criminal conduct is suspected.
Accounts, submissions and user content
Where account registration or quote submissions are offered, you agree to provide accurate information and keep it updated. Any content you submit remains your responsibility. storyflowxe.com may use submitted data to process insurance applications, improve services or comply with regulatory requirements under Singapore law. You retain ownership of your content but grant storyflowxe.com a licence to use it for the stated purposes.
Ownership of site content, trademarks and permitted limited use
All text, graphics, logos, software and other materials on the site are owned by storyflowxe.com or its licensors. Trademarks must not be used without prior written consent. You may print or download limited portions for personal non-commercial use provided you retain all copyright notices. Any other reproduction or distribution requires express permission.
Third-party services and links
The site may contain links to external websites or integrate third-party tools such as payment processors or medical information providers. These are provided for convenience only. storyflowxe.com does not endorse, control or guarantee the accuracy of third-party content and accepts no liability for any loss arising from their use. Users should review the terms of any linked service before engaging.
Availability, changes, suspension and termination
storyflowxe.com aims to maintain continuous access but does not guarantee uninterrupted availability. The site may be suspended for maintenance, security reasons or regulatory compliance. storyflowxe.com may modify, suspend or terminate any part of the site or your access at any time without notice. Termination does not affect accrued rights or obligations.
Disclaimers subject to mandatory consumer law
Information on the site is provided for general guidance and does not constitute personalised financial or medical advice. While every effort is made to ensure accuracy, storyflowxe.com makes no warranties regarding completeness or suitability for any particular purpose. Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud or any other liability that cannot be excluded under Singapore law including the Unfair Contract Terms Act.
Limitation of liability
Subject to the preceding paragraph, storyflowxe.com total liability arising out of or in connection with the site or any insurance product shall not exceed the fees paid by you in the twelve months preceding the claim. storyflowxe.com shall not be liable for indirect, incidental, special or consequential damages including loss of profits or data, even if advised of the possibility.
Indemnity
You agree to indemnify and hold harmless storyflowxe.com, its officers and agents from any claims, losses or expenses arising from your breach of these terms, misuse of the site or any insurance application submitted through it.
Governing law, courts and consumer dispute rights
These terms are governed by the laws of Singapore. Any dispute shall be subject to the exclusive jurisdiction of the courts of Singapore, except that consumers may also pursue claims through the Financial Industry Disputes Resolution Centre or other statutory avenues available under Singapore consumer protection legislation. Nothing affects your statutory rights under the Consumer Protection (Fair Trading) Act or Personal Data Protection Act.
Severability, waiver, changes, contact route and last updated date
If any provision is found unenforceable the remainder continues in full force. Failure to enforce any right does not constitute a waiver. storyflowxe.com may update these terms at any time with changes effective upon posting. For questions contact [email protected], 1800 248 8000 or write to 1 Finlayson Green, Singapore 049246. This page was last updated on 22 September 2026.
These terms form the entire agreement between you and storyflowxe.com regarding site use and supersede prior communications. Health insurance products are subject to separate policy documents and underwriting criteria that may vary according to individual circumstances and Singapore regulatory requirements.