Terms of Use


These are some basic guidelines on using lionellye.com

These guidelines protect you as a user and our vision to offer insurance for everything that matters most to you, in a more straightforward, more comfortable, and more affordable manner.

As a user of lionellye.com, you may:


  • Learn about the many insurance products available in the market in an easy-to-understand language

  • Stay in touch by subscribing to lionellye.com updates

  • Start a chat if you have any questions about using lionellye.com

  • "Buy Now", "Buy Online Now" to be linked to our principal insurer's website to obtain instantly online

  • "Sign Up" to join a community looking for unique insurance

  • Chat with us if you have any questions about using lionellye.com, our contacts can be also be found in About Us

  • Find details on how we handle personal data in our Privacy Policy

  • Find information on how we handle copyright below


We evolve to make insurance fresh and relevant

Lionel Lye ("we," "us") may, from time to time, change the contents of this website (including these legal notices) without notice. Your use of the website means that you accept these terms and conditions. If you do not agree with these terms and conditions, you should immediately cease using the Site.

Here is our liability disclaimer

Great care has been taken to ensure the reliability of any statements of opinion or information provided by lionellye.com. However, Lionel Lye gives no warranty concerning statements and information contained in the website and subject to the following paragraph, disclaims all liability to the fullest extent possible arising from any persons acting on the information and statements contained therein. Lionel Lye assumes no responsibility or obligation to provide updates on any published comment or report.

Nothing in these terms and conditions shall be construed to exclude, restrict, or modify any guarantee applicable to a consumer that may apply under the Consumer Protection Act 1999 and Competition Act 2010. Where a consumer guarantee is not able to be excluded, Lionel Lye's liability shall be limited at its sole discretion, to resupplying the service, or payment of the costs of having the service supplied again. Subject to the preceding, Lionel Lye shall have no liability to any user of its website or the information on it, for any reason.

Refund and Cancellation policy for insurance purchased on lionellye.com ("Site")

A purchase of an insurance policy made on the Site does not indicate a contract between you as the insured and lionellye.com. The contract of insurance is between you and the Insurer. As such, you are subject to the terms and conditions stipulated by the Insurer.

  1. Cancellation & Refunds: Contact us soonest to cancel an existing policy. You may, at your discretion, directly contact the respective Insurer to cancel a current policy. The Insurer, at its discretion, will determine the amount to be refunded (if eligible).

  2. For Life insurance: A new policyholder has a 15-day free-look period to cancel a policy and be refunded in full.

  3. Nominations & Claims: After a purchase of an insurance policy, you are advised to directly contact us to name your nominee(s). You may also contact the insurer directly. It is best to contact us directly first with matters concerning claims.


About Copyright and Links

Lye Kok Ye, Lionel (Lionel Lye, Founder of Shamar Solutions) owns this website and subject to copyright. This website may also contain third-party supplied material that is subject to copyright. Lionel Lye takes no responsibility for the use of information provided on this website. Except as permitted by the Copyright Act 1987, you may not reproduce, transmit, disseminate, sell, or publish information on this website without prior written permission from Lionel Lye, provided that you may use the information for your private or internal purposes.

Reference to any products, services, or other information, by trade name, trademark, or otherwise does not constitute or imply endorsement, sponsorship, or recommendation of them by Lionel Lye. It does not constitute or imply endorsement, sponsorship, or advice of Lionel Lye by the respective trademark owner. This website may contain links to other websites. Such links do not constitute an endorsement or recommendation of any material on those linked websites or any third party products and services offered by or through those sites.

We want the GREAT experience for you

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We seek to demystify insurance, and we do provide advice or recommendation to our client

To the extent that any Lionel ye data, commentary constitutes general information, this information has been prepared by Lionel Lye. It does not take into account your investment objectives, financial circumstances, or needs. Kindly reach out to us for our professional advice. Information provided on and available from this Site does not constitute financial, taxation, or other professional advice and should not be relied upon as such.

Our service to you

Lionel Lye's website allows users to click on a range of content for information and to ask for quotations and links to purchase from our principal Insurer. If you do not accept these terms and conditions, you must immediately stop the use of our service.

If you choose to use our service, you agree with Lionel Lye that:


  1. we are referring you to our insurance principals for further information and successful purchase of the financial product or service;

  2. we would ask you to provide some information in a quotation/questionnaire before you are referred to our principal insurance companies. If you choose to provide that information, it will be dealt with per these terms and conditions;

  3. by clicking an action button (for example "Buy Now" or "Submit"), by proceeding to obtain a firm quote or by completing and submitting an application, in all cases you consent to us providing your personal information and other details in the online form to our insurance company principal and us to provide you with more information about a particular financial product or service;

  4. we make no hard recommendation to you about the skills, expertise, or suitability of the principal insurers for your purposes. You should consider seeking before proceeding Product Disclosure Statement relating to the product you are interested in should be obtained and considered before making any decision about whether to acquire the product.

  5. You have read and accepted the terms of Lionel Lye's Privacy Policy and Terms of Use. These terms limit your ability to make a claim against Lionel Lye;

  6. "We" and "us" means Lionel Lye, also the founder of Shamar Solutions Agency.