Terms of engagement

These terms govern the use of the Utilitybloom website at utilitybloom.click and the professional reviews, studies, and briefing days described on it. By using the site or instructing us in writing, you accept them. If you are instructing on behalf of an insurer or takaful operator, you confirm you have authority to do so.

The work we offer

Utilitybloom provides usage reviews and related advisory sessions concerning insurance self-service applications already in production. We do not sell software, process insurance claims, or act as an adjuster. A letter of engagement, once signed, sets the tasks, fee, and dates for a particular instruction and prevails over marketing copy on this site where they differ.

Acceptance and changes

A contract is formed when both parties have signed the start letter, or when we have accepted a written instruction that restates the fee and scope. Changes to scope must be written. Posting an enquiry through the form on this site is not an instruction until we confirm it.

Intellectual property

The website’s text, layout, and decorative design belong to Utilitybloom. The written usage account produced under a letter of engagement belongs to the client once the final invoice is paid, except that we retain the right to reuse anonymised methods and sentence structures in later work. Policyholder recordings, if any, remain under the client’s control and are deleted from our devices after the findings session unless the letter says otherwise.

You may not copy this site’s legal pages or field notes for commercial use. You may quote short passages of a paid account inside your own insurer, with attribution to the engagement.

Client materials

You warrant that you have the right to show us the self-service app, event extracts, and contact-centre recordings you provide. You remain responsible for policyholder consent and for any personal data you disclose to us.

Liability

We perform the work with reasonable care and skill expected of a small Malaysian professional practice. We do not warrant that claims volumes will fall, that a vendor will implement a screen change, or that a regulator will accept a particular design. Our aggregate liability under an engagement is limited to the fees paid for that engagement, except in cases of fraud, death, or personal injury where Malaysian law does not allow a limit. We are not liable for indirect loss, lost profit, or loss of goodwill.

Website use

The site is provided for information. Fees and calendars may change. We may suspend the site for maintenance. You must not misuse the enquiry form, attempt to disrupt the host, or scrape the site in a way that burdens the server.

Confidentiality

We keep non-public facts about your self-service screens and unfinished-task counts confidential, including after the engagement ends, except where disclosure is required by law or by a professional adviser under a duty of confidence.

Governing law and disputes

These terms and any engagement are governed by the laws of Malaysia. The courts of Malaysia have exclusive jurisdiction, with George Town, Penang, as the preferred venue for proceedings where that is available.

Contact

Questions about these terms: info@utilitybloom.click, or write to Office 11, 62 Placeholder Street, George Town 00000.