Terms of Use
ACCEPTANCE OF TERMS
The use of this website is subject to
the following Terms of Use (the "Terms").
By using this website, you confirm your agreement with these Terms, as amended from
time to time, without limitation or qualification. Please read these conditions
carefully before using this website.
AIA Group Limited and its subsidiaries
and affiliates (collectively "AIA")
reserve the right to amend these Terms at any time. You are bound by any such revisions
and should therefore periodically visit AIA's websites to review the most updated
and current conditions to which you are bound, which can be found by clicking the
hyperlink "Terms of Use" at the bottom of the AIA websites.
Additional or different terms and conditions
may apply to specific products or services offered by or on behalf of AIA. It is
therefore recommended that you familiarise yourself with the specific terms and
conditions that apply to the products or services that you may procure from AIA.
DISCLAIMER
To the fullest extent permissible pursuant
to applicable laws and regulations:
(1)
This website and all its content (including without limitation functions, text,
data, materials, information, graphics, logos, icons, images, photographs, structure,
arrangement, lay-out, "look and feel", audio clips, sounds, music, videos, and software,
and any combination thereof) (the "Website
Content") are provided "as is" without
warranties of any kind, whether express or implied. AIA hereby disclaims any and
all warranties, express or implied, including without limitation warranties of merchantability,
fitness for a particular purpose, title and non-infringement of third party rights.
(2)
AIA does not warrant that the website or the Website Content will be uninterrupted
or error-free, that defects will be corrected, or that the website, the Website
Content, or the server that makes it available are free of viruses, contamination,
destructive features or other harmful components.
(3)
AIA hereby disclaims any and all liability for the acts and omissions of third party
in connection with or related to the website, the Website Content or AIA's products
or services.
(4)
AIA does not warrant or make any representations in terms of suitability, comprehensiveness,
accuracy, reliability, or otherwise regarding the Website Content or its use or
results. The Website Content is not intended to be or contain a complete description
of all terms, conditions or exclusions applicable to the products and/or services
described or referred to on this website, but is provided solely for informational
purposes. For details please refer to the specific terms and conditions provided
in the relevant policies or agreements.
Your sole remedy against AIA if you
are dissatisfied with the website or the Website Content is to stop using them.
AIA reserves the right to modify, suspend
or terminate the website or any portion thereof, its operation, or the access to
the website or any portion thereof, for any reason, at any time, and without notice.
LIMITATION OF LIABILITY
While AIA uses reasonable efforts to
include accurate and up to date information on its websites, errors or omissions
may occur. To the fullest extent permissible under applicable laws and regulations,
under no circumstances including without limitation negligence, will AIA or any
party involved in creating, producing, or delivering the website or the Website
Content be liable for any special, indirect, incidental, consequential or punitive
damages, losses, liabilities, costs, expenses and/or consequences of any nature
(including without limitation loss of data or profits), whether based on contract,
negligence or tort, arising out of or in connection with the access to, use of,
reliance on, or the inability to use the Website Content or any content available
on other websites linked to this website, any system, server or connection failure,
any interruption or delay in transmission, or any computer viruses, even if AIA
or any AIA representative has been advised of the possibility of such damages, losses,
liabilities, costs, expenses and/or consequences. To the fullest extent permissible
under applicable law, in no event shall AIA's total liability to you exceed the
amount paid by you, if any, for accessing this website.
INDEMNITY
You agree
to indemnify and hold harmless AIA, its officers, directors, shareholders, successors,
assigns, employees, agents, subsidiaries and affiliates, from any claims, losses,
liabilities, damages, expenses and costs (including attorneys' fees and court costs)
claimed by a third party and arising directly or indirectly out of or relating your
use of the website.
RESTRICTIONS
This website is owned or licensed by
AIA, and operated by or on behalf of AIA. Except as expressly permitted by AIA in
writing, no part of this website or the Website Content may be copied, reproduced,
republished, modified, stored in a retrieval system, used for creating derivative
works, uploaded, posted, transmitted (by any form or by any means), distributed
or used in any way for public or commercial purposes. You may use the website or
the Website Content solely for your personal use and only under the condition that
you retain all copyright and other proprietary notices contained on the materials.
Use of any part of the website or the Website Content does not grant you any rights
of ownership or any rights that are not expressly granted to you under these Terms
or otherwise in writing by AIA.
AIA neither warrants nor represents
that your use of this website or any Website Content will not infringe third party
rights.
JURISDICTIONAL ISSUES
Unless otherwise expressly set forth
herein, AIA makes no representation that the Website Content is appropriate or available
for use in any location or jurisdiction. Some products and services may not be available
in all jurisdictions. When you choose to access this website and/or use the Website
Content you do so on your own initiative and at your own risk, and it is your responsibility
to comply with applicable laws and regulations.
Except as expressly set forth herein
the materials and/or information contained on this website are not an offer to sell
or a solicitation to buy any insurance product or other product or service from
AIA. No insurance product or other product or service is offered or will be sold
by AIA or, if sold by AIA will be effective, in any jurisdiction in which such offer
or solicitation, purchase or sale would be unlawful under insurance or other laws
or regulations of such jurisdiction.
NO OFFER
Information provided on this website
should not be construed as an offer of securities for sale, or a solicitation of
an offer to purchase securities. Past performance is not necessarily an indication
of future performance. Any person considering an investment in the securities of
AIA Group Limited should seek independent professional advice prior to making any
investment decision.
OWNERSHIP OF INFORMATION
Any information, other than personal
data or information, that you transmit, post, upload, input or submit to AIA via
this website, by electronic mail or otherwise, including data, questions, comments,
or suggestions (individually or collectively a "Submission"),
will be treated as non-confidential and non-proprietary information and will become
the property of AIA. Such Submission may be used by or on behalf of AIA free of
charge for any purpose, including without limitation to copy, reproduce, publicly
display, disclose, transmit, publish, broadcast post, edit, translate and reformat,
and AIA shall have the right to publish your name in connection with your Submission.
AIA shall be allowed to use any ideas, concepts, know-how, techniques or proprietary
information contained in any Submission free of charge for any purpose, including
without limitation to develop or market products or services using or containing
such Submission. In addition, AIA shall have the right to assign or license such
Submission or proprietary rights in such Submission to any third party without your
consent and free of charge.
AIA shall not be under any obligation
to post, disclose, publish or in any way use any Submission, and may remove any
Submission in it sole and absolute discretion.
By transmitting, posting, uploading,
inputting or submitting a Submission, you warrant and represent that you own or
have been granted all rights necessary to transmit, post, upload, input or submit
your Submission and to allow for the assignment to and usage by AIA as set forth
in these Terms.
You hereby waive all applicable rights
you may have in any Submission for the purposes set out in these Terms.
AIA may disclose any information it
possesses about you (including your name and contact details) if AIA determines
that such disclosure is necessary or useful in relation with any investigation or
complaint regarding your use of the website, or to identify, contact or bring legal
action against anyone who may be damaging or interfering with (whether intentionally
or not) AIA's rights or property, or the rights or property of the website's visitors
or users, including AIA's customers or policyholders, or if AIA determines that
applicable laws require or authorise such disclosure. AIA reserves the right at
all times to disclose any information that it deems necessary or useful to comply
with any applicable laws, regulations, legal processes or governmental or court
requests.
INTELLECTUAL PROPERTY
This website and the Website Content,
the "AIA" trade mark and all other trade marks and service marks, whether they are
figurative or not, as well as all trade names, brand names, business names, illustrations,
images, logos which appear on or in relation to AIA products or services, whether
registered or not (the "Trade Marks"),
and all other intellectual property rights (including, without limitation, registered
or unregistered designs, copyrights, trade marks, service marks, logos, trade dress,
trade names, trade secrets, patents, inventions, know-how, and moral rights) in
or related to this website, the Website Content and AIA's products and services
(the "Intellectual Property Rights")
are and remain the exclusive property of AIA and/or its licensors and are protected
by applicable intellectual property laws and treaties around the world. All such
rights are reserved.
Other than as expressly set out in these
Terms and except as permitted by applicable law, nothing contained on the website
should be construed as granting, by implication, estoppel, or otherwise, any licence
or right to use any part of the Website Content, the Trade Marks or Intellectual
Property Rights without AIA's express written consent. Except as provided herein,
your use of the Website Content, the Trade Marks or Intellectual Property Rights
is strictly prohibited.
To the extent that any software is made
available or provided to you on this website, AIA grants you a non-exclusive, limited
and personal licence to download and use the software for your own personal, non-commercial
use only. No other rights to the software are granted. All rights including intellectual
property rights in the software remain the exclusive property of AIA or the relevant
licensors or owners of the software and, except as permitted by law, you may not
reverse engineer, decompile, modify or tamper with the software.
SECURITY
At AIA, we take our user's security
and confidentiality very seriously. There is inherent risk in doing business with
anyone over a public medium like the Internet. AIA has implemented measures to reduce
these risks. Physical, electronic, and managerial measures are in place to protect
your data. Secure socket layer (SSL) protocols are in use for all websites or sections
involving personal and sensitive information.
If you open or register for an online
account, you must complete the registration process and provide up to date, comprehensive
and accurate information as required in the applicable registration form. You may
also be requested to choose a password and a user name. It is your responsibility
to protect and maintain the confidentiality of your password and account. You are
entirely responsible for any and all activities that occur under your account and
you must notify AIA immediately of any unauthorised use of your account or any other
breach of security. AIA and its service providers will not be liable for any damages,
losses, liabilities, costs, expenses and/or consequences of any nature that you
may incur as a result of someone else's use of your password or account, whether
it is with or without your knowledge or consent. You may however be held liable
for damages, losses, liabilities, costs, expenses and/or consequences of any nature
incurred by AIA or another party due to the use made of your account or password.
It is prohibited to use anyone else's account at any time without the account holder's
consent or permission.
HYPERLINKS
Links to third party websites
This website may link to third party
websites that are not under the control of or maintained by AIA. AIA is not responsible
for the availability, content or accuracy of, or any updates or changes to any external
websites and does not make any warranty, express or implied, with respect to the
use of any external links or websites. The inclusion of any link to such websites
shall not constitute or imply any form of cooperation with, approval of or endorsement
by AIA of the websites or their content. You acknowledge and agree that you use
and access such hyperlinks and websites at your own risk.
Links between AIA websites
This website may also contain hyperlinks
to AIA websites from different jurisdictions. Products, services, materials and
information provided in those AIA websites may only be addressed to persons located
or residing in that particular jurisdiction, and may not be intended for persons
located or residing in other jurisdictions where distribution of such products,
services, materials or information may be restricted.
Links from third party websites to AIA
websites
You must obtain the written approval
of AIA before creating or installing any link in any form from a third party website
to any AIA website. AIA shall have the absolute discretion whether or not to approve
such hyperlink. If AIA decides to approve a hyperlink, such link shall display the
AIA name or website address in full and in plain letters, and it should link to
the homepages of our websites directly. AIA shall have no obligation to establish
a reciprocal link back to your website following the establishment of a link from
your website to any AIA websites.
Embedding any part of the Website Content
in third party websites using framing or any other technology or process is prohibited.
AIA will not approve hyperlinks to any
AIA website from websites that contain any materials or information that may be
libelous, defamatory, pornographic, or obscene, that violate any laws or regulations,
or that infringe upon any third party rights.
AIA reserves the right to at any time
in its absolute discretion rescind any approval granted and require the removal
of any hyperlink to AIA websites.
AIA is not responsible for the setup
of any hyperlinks from third party websites to any AIA website. Any link so setup
shall not constitute or imply any form of cooperation with, approval of or endorsement
by AIA of such third party websites. AIA is not responsible for any consequences
arising out of or in connection with such links or their use.
USE OF COOKIES
AIA may set cookies on your web browser
as you visit AIA websites or portals. Cookies are small pieces of information sent
by a web server and stored by the user's browser on the local hard drive, which
will be sent back to the web server on future visits. A browser only permits a website
to access the cookies it has set, not those set by other websites. There is no personal
data and no personally identifiable information in cookies, and it cannot be used
to obtain other information on your computer.
AIA may use cookies for a number of
purposes, including with limitation to improve the user experience by remembering
preferences between visits, information between pages to avoid data re-entry, and
to maintain your identification after you login to one of our secure portals.
AIA may also use web beacons or log
files to track visits to AIA websites and to gather traffic statistics to help in
the continuous improvement of AIA websites and portals. Web beacons are small snippets
of code contained in web pages and emails to collect information through a graphic
image request. Information collected for the tracking purpose is anonymous so it
will not allow AIA to identify you. You would only be identified after logging into
the AIA secured portal, but your further use of the website or the Website Content
would become anonymous again once you logout or close your browser. The above service
is provided to AIA by Adobe and Google; you may find their privacy information from
their websites at
Adobe Products and Services Privacy Statement
and Google Analytics Privacy Overview respectively.
Most browsers accept cookies automatically
but you may configure your browser to accept or reject cookies. Each browser is
different, so check the "Help" section of your preferred browser to learn how to
change your cookie preferences. However, you may not able to use all features provided
in our website if cookies are disabled.
NO UNLAWFUL OR PROHIBITED USE.
You agree that you shall not, and shall
not attempt to:
(i)
do anything
that may damage, disable, overburden, or impair the website, any AIA server, or
any networks connected to the website or any AIA server, or that may interfere with
anyone's use and enjoyment of the website, with the Website Content or with any
services offered on or through the website;
(ii)
obtain
unauthorised access to any part or feature of the website, the Website Content,
accounts, products or services offered on or through the website, or to any systems
or networks connected to the website or to any AIA server, or to any of the services
offered on or through the website;
(iii)
make
unauthorised use of any robot, spider, site search/retrieval application, devices,
programs, algorithms or methodologies, or any similar or equivalent processes, to
access, acquire, copy or monitor any portion of the website or the Website Content,
or to retrieve, index, "data mine" or in any way reproduce or circumvent
the navigational structure or presentation of the website or the Website Content,
or to obtain any materials, documents or information through any means not purposely
made available through the website;
(iv)
remove
any copyright, trademark or other proprietary rights notices contained on the website
or in the Website Content;
(v)
collect
information about the website's visitors or users, including without limitation
tracking any information on any other visitor or user of the website, without their
express written consent;
(vi)
publish,
upload, post, transmit, distribute, disseminate or otherwise use any materials or
information that may be inappropriate, profane, defamatory, obscene, indecent or
unlawful, that may infringe third party rights, or for which you do not have sufficient
permission or the necessary rights to do so;
(vii)
reverse
engineer, decompile or disassemble any portion of the website or the Website Content;
(viii)
use the
website or the Website Content for any unlawful or unauthorised purposes, or otherwise
violate any applicable laws or regulations by using the website or the Website Content;
BROWSER AND SCREEN RESOLUTION
In order to improve the user experience
and better delivery of materials or information, AIA may employ technologies not
supported by older browsers. AIA websites and portals are best viewed by the latest
version of browser from major vendors, such as Microsoft®, Google® or Mozilla®,
with JavaScript® and SSL enabled.
You may need to install
Adobe®
Flash®
Player and
Java® Runtime
to be able to enjoy some features. Moreover, some of the materials, including downloadable
forms, reports, and brochures, may require
Adobe®
Acrobat®
Reader® to be installed
on your machine.
For an optimum experience, AIA websites
and portals are best viewed with 1152 x 864 screen resolution.
INCONSISTENCY IN WORDINGS
In the event of any ambiguity or inconsistency
between the English and local language versions of these Terms, the English version
will control and prevail.
GOVERNING LAW AND JURISDICTION
These Terms will be governed by the
laws of Malaysia and the parties agree to submit to the exclusive jurisdiction of
the courts of Malaysia.