Legal
Terms of engagement
These terms apply to professional work requested from LogicFabric Grid Advisory, 3 Jalan Sutra Taman Sentosa, Johor Bahru, Johor, 80150, Malaysia. They sit with the engagement letter. If the letter and these terms conflict, the letter wins on scope, fee, and timetable.
1. Who we are
LogicFabric Grid Advisory provides financial audit and review of insurance claims applications and related settlement papers. We are not an insurer, loss adjuster, advocate, or licensed financial adviser. Nothing on this website is an offer to underwrite, settle, or litigate a claim.
2. The engagement letter
Work starts only when both sides have a signed engagement letter (including a scanned signature or agreed written confirmation by email). The letter names the batch of applications, the question we are asked, the sampling method, the fee, and the expected window. Website copy, including service pages, is descriptive and does not create an engagement.
3. Client responsibilities
- Provide the application papers, or lawful access to them, that the sample requires.
- Name a claims contact who can answer file questions within a reasonable time.
- Confirm that you have the right to give us those papers under PDPA 2010 and any confidentiality you owe to policyholders and claimants.
- Tell us if a file is in litigation, with Bank Negara Malaysia, or under employee investigation, so we can treat it accordingly.
4. Our responsibilities
We perform the work described in the letter with professional care. We do not guarantee that every exception in a population will be found; sampling has limits, and those limits are stated. We do not give legal opinions on coverage. Where policy response is unclear, we record a question for your counsel.
5. Working papers and use
File working papers and the batch schedule are for the named client’s internal use — typically claims, finance, and internal audit. They are not written for publication, for a regulator filing, or for use as an expert report in court unless the letter says so. You may not present our papers as if we audited your entire claims account when we sampled a batch.
6. Confidentiality
We keep application papers and our notes confidential, subject to law, professional compulsion, or your written instruction. We do not use claimant files to market the practice.
7. Fees and invoices
Fees are as in the letter: a fixed fee for a defined batch, or a daily rate with a cap. A retainer may be due before the first file is opened. Invoices are payable as stated in the letter. Late payment may pause remaining work. There is no online payment facility on this website; pricing described here is informational.
8. Changes and extra files
Adding lines of business, widening the period, or replacing the sample after work has begun is a change of scope. We will write the effect on fee and time before doing the extra work.
9. Liability
Our liability for this work is limited to the fee paid for the engagement that gave rise to the claim, except where Malaysian law does not allow that limit (including death or personal injury caused by negligence, or fraud). We are not liable for loss that follows from papers you withheld, from instructions you changed without a written scope change, or from use of our papers beyond the purpose in the letter.
10. Governing law
These terms and the engagement are governed by the laws of Malaysia. The courts of Johor Bahru have non-exclusive jurisdiction.
11. Contact
Questions on these terms: enquiries@logicfabricgrid.digital or +60 6073342132.