Terms and Conditions

Welcome to Carly!

These terms and conditions outline the rules and regulations for the use of Carly’s Website, located at https://www.carly.com.my/.

By accessing this website we assume you accept these terms and conditions. Do not continue to use Carly if you do not agree to take all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: “Client”, “You” and “Your” refers to you, the person log on this website and compliant to the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services, in accordance with and subject to, prevailing law of Malaysia. Any use of the above terminology or other words in the singular, plural, capitalisation and / or he / she or they, are taken as interchangeable and therefore as referring to same.

Information About Us

My Works Sdn. Bhd. is incorporated in Malaysia under company number 201901031625 (1340955 – H) and has its registered office at No. 1, Solok Sultan Mohamed 1, Pusat Perdagangan, Bandar Sultan Saleiman 4, 42200 Port Klang, Selangor Darul Ehsan. We are duly approved and regulated by Bank Negara Malaysia (BNM) under sections 11 and 15 (1) of the Financial Services Act 2013 (“FSA”) to carry out financial advisory and Islamic financial advisory activities.

We are a registered member of the Association of Financial Adviser (“AFA”). We offer motor insurance through both our web-based platform and through our financial adviser representatives.

If you have any queries, please contact us at +60 17-865 6141 or hello@carly.com.my

Transactions Concluded Through Our Website

We offer motor insurance policies through our website www.carly.com.my from a wide range of insurers and takaful operators.

We are acting as your financial adviser and Islamic financial adviser in placing contracts on insurance / takaful with an insurer / takaful operators. However, we are not the insurer and we do not guarantee the availability of any insurance policy / takaful certificate or the solvency of any insurer.

All insurance policies / takaful certificates described on our website or placed by us on your behalf are subject to the terms and conditions of any applicable agreements with the applicable insurer. In case of doubt the user should seek assistance directly from the insurer or by contacting us at admin@carly.com.my.

Geographical Limits

The content, information, and services listed on our website is limited to the residents of Malaysia. Insurance policies / takaful certificates should only be purchased by persons residing in Malaysia.

Information That We Collect

We are required to take all reasonable steps to establish the true and full identity of our clients in order to comply with our obligations as a reporting institution under the applicable anti-money laundering and anti-terrorist financing legislation. We shall inform you of what know your clients details and documents that we shall require you to provide to us.


As part of our service to provide you with proper insurance consultant assistance, we will collect and store your information for the purpose of next insurance policy renewals, at the same time allowing us to provide you with a reminder when your policy is getting near to expiry date.


If you have any complaints or dissatisfaction in regards to our services (refund, payment, policy cancellation, claims, etc), please write to us for our investigation.

If we are unable to settle your complaint with us, you may refer the matter to:

Ombudsman for Financial Services
Level 14, Main Block
Menara Takaful Malaysia
No. 4, Jalan Sultan Sulaiman
50000 Kuala Lumpur
Tel : +603-2272 2811
Fax : +603-2272 1577


We recommend that you contact us at hello@carly.com.my before seeking to cancel any policy

Payment Terms

Upon reviewing the quotations provided and proceeding with payment, you agree with the premium of your insurance/takaful policies and our charges. You agree to pay all premiums plus any premium payment tax, government levy or similar tax, stamp duty in full.

Premiums payment for motor insurance/takaful policies are, unless otherwise specified, directly payable to us by payment options available through our website.

Premiums payment for non-motor insurance/takaful policies (i.e.: Individual and corporate employee benefits and commercial) are, unless otherwise specified, directly payable by direct debit to us.

We will not accept payment by any other method unless mutually agreed to by us and you.

Policy will be issued and sent to you via email or Whatsapp once payment has been received from our end.

Choice of Law and Jurisdiction

Any voucher or promotional code is non-refundable and cannot be exchanged for cash in part or full and is valid for a single transaction only. Any voucher or promotional code is only valid for purchase placed on Carly platform. Any voucher or promotional code may not be duplicated or sold in any manner, or made available to the general public, unless otherwise permitted by Carly. If promotional code is not input at the given promotional code column during the purchase process, Carly is not responsible to refund a part of the fee after payment is already confirmed and processed.


We employ the use of cookies. By accessing Carly, you agreed to use cookies in agreement with the Carly’s Privacy Policy.

Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website. Some of our affiliate / advertising partners may also use cookies.


Unless otherwise stated, Carly and / or its licensors own the intellectual property rights for all material on Carly. All intellectual property rights are reserved. You may access this from Carly for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

  • Republish material from Carly
  • Sell, rent or sub-license material from Carly
  • Reproduce, duplicate or copy material from Carly
  • Redistribute content from Carly

This Agreement shall begin on the date hereof.

Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website. Carly does not filter, edit, publish or review Comments prior to their presence on the website. Comments do not reflect the views and opinions of Carly, its agents and / or affiliates. Comments reflect the views and opinions of the person who post their views and opinions. To the extent permitted by applicable laws, Carly shall not be liable for the Comments or for any liability, damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

Carly reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive or causes breach of these Terms and Conditions.

You warrant and represent that:

  • You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
  • The Comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party;
  • The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material which is an invasion of privacy;
  • The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant Carly a non-exclusive license to use, reproduce, edit and authorise others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

Hyperlinking to our Content

The following organisations may link to our Website without prior written approval:

  • Government agencies;
  • Search engines;
  • News organisations;
  • Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
  • System wide Accredited Businesses except soliciting non-profit organisations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organisations may link to our home page, to publications or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.

We may consider and approve other link requests from the following types of organisations:

  • commonly-known consumer and/or business information sources;
  • dot.com community sites;
  • associations or other groups representing charities;
  • online directory distributors;
  • internet portals;
  • accounting, law and consulting firms; and
  • educational institutions and trade associations.

We will approve link requests from these organisations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of Carly; and (d) the link is in the context of general resource information.

These organisations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

If you are one of the organisations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to Carly. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organisations may hyperlink to our Website as follows:

  • By use of our corporate name; or
  • By use of the uniform resource locator being linked to; or
  • By use of any other description of our Website being linked to that makes sense within the context and format of content on the linking party’s site.

No use of Carly’s logo or other artwork will be allowed for linking absent a trademark license agreement.


Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.

Content Liability

We shall not be hold responsible for any content that appears on your Website. You agree to protect and defend us against all claims that is rising on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Your Privacy

Please read Privacy Policy

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amen these terms and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.


To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

  • limit or exclude our or your liability for death or personal injury;
  • limit or exclude our or your liability for fraud or fraudulent misrepresentation;
  • limit any of our or your liabilities in any way that is not permitted under applicable law; or
  • exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Cancellation, refund & delivery policy


1.1 You may cancel your purchase and request for a refund at any time.

1.2 If you request cancellation before we proceed with submission and issuance of insurance covernote/policy, we will accept your cancellation request immediately and initiate a refund process.

1.3 If you request cancellation after we proceed with submission and issuance of insurance covernote/policy, we will assist you to cancel it with the insurance principal and this will be subjected to terms and conditions below:

  • Customers will need to inform Carly in writing in order for us to facilitate the cancellation process with the insurance principal. The written notice must be sent to Carly (hello@carly.com.my) and will thereafter be forwarded to the insurance principal (insurer). The Insurance principal will process the cancellation of insurance policy and refund according to their terms and conditions.
  • The respective insurance principal will be responsible for the cancellation and the refund process of insurance premium while the cancel & refund process will be subjected to their terms and conditions.
  • No other related service & processing fee from Carly (e.g.: roadtax renewal processing fee or delivery fee, admin fee) will be refunded as the service has already been rendered at the point of cancellation request

1.4 You have the right to raise a dispute in the event of any issues with payment transactions (i.e.: duplicate transaction, transaction error, etc.).


2.1 All services will be rendered immediately after your payment is processed, verified and completed.

2.2 All policies will be sent digitally via Whatsapp or email to the contact information you have provided to Carly.

2.3 Hardcopy policy is available upon request and RM10 will be imposed for printing and delivery fee. 

2.4 Duration of Delivery & Shipping of document or roadtax sticker will be as follows:

  • West Malaysia: 3 to 5 working days upon completion of payment 
  • East Malaysia: 5 to 7 working days upon completion of payment
  • Express delivery is available upon request and additional charges may be imposed, kindly contact Carly for this arrangement.