Terms of Use

• 1.1. By using this website, you agree to be bound by the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website.
• 1.2 If you do agree with the Terms of Use, you must not access or use this website.
• 1.3 We reserve the right to amend the Terms of Use from time to time, without providing notice to you and without giving any reason for doing so, by posting the updated version of the Terms of Use on the website. You should regularly check the Terms of Use for any amendments. If the Terms of Use are amended, you must comply with the updated Terms of Use. If you do not agree to the updated Terms of Use, you must immediately cease using the website.

To the fullest extent permissible pursuant to applicable law: (1) the materials on this website are provided "as is" and without warranties of any kind either expressed or implied. AIA disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose; (2) AIA does not warrant that the website or the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components; and (3) AIA does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. For complete details please refer to the actual policy or certificate contract or services agreement.

AIA’s own records of the transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes. Your use of your account and/or password to access or use this website and/or online facilities including access to your policy/certificate records and our on-line services will be recognized as your electronic signature and will be legally binding. To the extent permitted by law, you accept that AIA's electronic records will be admissible as original documents in any court of law and agree that you will not challenge or dispute the accuracy or authenticity of such records.

You hereby agree to fully indemnify, defend and hold harmless AIA from and against any and all damages, losses, liabilities, costs and expenses (including full legal costs on a solicitor-client basis) suffered by AIA arising from or in connection with: (i) your access to or use of this website and/or online facilities; (ii) any other party’s access to or use of this website and/or online facilities using your account and/or password; or (iii) your breach of any of the Terms of Use; (iv) any other party’s breach of any of the Terms of Use where such party was able to access or use this website and/or online facilities using your account and/or password.

• 5.1 This website provides links to other websites which are not controlled by us. Those links are provided for your own convenience only and we are not responsible for their use, effect or content.
• 5.2 We make no representations or warranties as to, and accept no responsibility for, the accuracy of information on those sites, nor do we endorse any information, opinion, goods or services referred to on them. You acknowledge and agree that you access such websites at your own risk.

• 6.1 You agree that your access to, and use of the website is at your own risk.
• 6.2 To the fullest extent permitted by law, we exclude from the Terms of Use all representations, guarantees, conditions, warranties, rights remedies, liabilities and other terms that may be implied by statute, general law or custom, except any guarantee or right conferred under any legislation, the exclusion of which would contravene legislation or cause part or all of this clause to be void.
• 6.3 To the fullest extent permitted by law, we exclude all responsibility and liability arising from or in connection with your use of the website, including, without limitation:
  • 6.3.1 any and all actual or anticipated loss of profits, revenue, goodwill, savings, data, business opportunity, or expectation, and any and all indirect, special, consequential, punitive or exemplary Losses; and
  • 6.3.2 any other Losses, even if we or our authorised representative has been advised of the possibility of such damages.
• 6.4 We also assume no responsibility, and shall not be liable for, any damages to, or viruses that may infect your computer, equipment, device or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

Unless otherwise expressly set forth herein, AIA makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws. Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance/takaful product or other product or service by AIA. No security, insurance/takaful product or other product or service is offered or will be sold/distributed by AIA or, if sold/distributed by AIA, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance/takaful or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

Information provided on this website should not be construed as an offer of securities for sale nor 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.

Any information, other than personal data or information, you transmit to AIA via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of AIA. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. AIA is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to AIA via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. You waive all applicable rights you may have in any information (other than personal data) you transmit to AIA via this website or otherwise, for the purposes of this section of the Terms of Use.

Any personal information submitted to us using the website will be subject to AIA's Privacy Statement available at http://www.aia.com.my/en/index/privacy-statement.html.

This website is owned and operated by AIA. All copyright and other intellectual property rights in the website are proprietary to us and our licensors. Other than as expressly set out in the Terms of Use and except as permitted by applicable law, you must not (and must not attempt to):

• a) use, copy, reproduce, republish, modify, store in a retrieval system, create derivative works or use in any other way for public or commercial purposes any part of the website;
• b) distribute, translate, modify or tamper with, any part of the website;
• c) create derivative works of or from any part of the website;
• d) sell, rent, lease, sub-license, assign, exchange or otherwise transfer your rights under the Terms of Use; or
• e) permit or assist any person to engage in any act described in paragraphs (a) to (d) above.

• 11.1We will use reasonable endeavours to generally make the website available during our normal business hours. However, the availability of the website depends on various third party suppliers, and accordingly, we do not warrant or guarantee:
  • 11.1.1 that you will be able to use the website at any time; or
  • 11.1.2 that your use of the website will be continuous, uninterrupted, secure or error-free.
• 11.2 You acknowledge that the website may not be available for use from time to time, and that you may be disconnected from your use of the website at any time for any reason, including if:
  • 11.2.1 any network connection difficulties occur;
  • 11.2.2 the systems providing those services are unavailable for any reason (including so that maintenance can be performed);
  • 11.2.3 you breach any of the Terms of Use; or
  • 11.2.4 we decide to terminate, suspend or block your access to the website for any reason.
• 11.3 We make no guarantee as to the reliability or other performance of the website. The performance of the website depends on various factors, including the functions, capacity and configuration of your device, the speed of your internet connection, and the number of users accessing the systems which support the website.
• 11.4 The information available through the website is subject to updates from time to time and, while we aim to ensure that it is up-to-date, there may be delays, errors or omissions that could affect its currency or accuracy. Accordingly, we cannot and do not warrant or guarantee that the information you obtain through the website is or will be current, complete or accurate at all times. You acknowledge and agree that you will make your own enquiries to determine whether the information you obtain through the website is current, complete and accurate before using it. We are not responsible for any Loss you suffer or incur as a result of your failure to comply with this clause.

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 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.

Your policy/certificate records are confidential and AIA Bhd. (Company No. 790895-D) and AIA PUBLIC Takaful Bhd. (Company No. 935955-M) have taken steps to safeguard this confidentiality. However, your co-operation is required in order for the confidentiality of your policy/certificate records to be maintained. In particular, you are required to take the necessary precautionary measures to ensure that no unauthorised access is given to your policy/certificate records, your password and access to this website and/or online facilities. You must not allow anyone other than yourself access to the records.

Please notify us immediately at https://www.aia.com.my/en/help-support/contact-us.html if you suspect that your policy/certificate records have been accessed by an unauthorised person.

You shall assume full responsibility and risk each time you access the website, and view or print any portion of the information available to you on this site or and each time you use any of our on-line services.

Any password or PIN which you are provided by AIA to access your policy/certificate records and our on-line services will be recognised as your electronic signature. To the extent permitted by law, you accept that electronic records will be admissible as original documents in any court of law and agree that you will not challenge or dispute the accuracy or authenticity of such records.

While there is inherent risk in doing business with anyone over a public medium like the Internet, we have implemented measures to reduce these risks. In order to safeguard and protect your privacy, please ensure you have installed up to date virus protection.

In the event of any ambiguity or inconsistency between the English and local language versions of the Terms of Use, the English version will prevail.

We do not waive any right, power or remedy in connection with the Terms and Condition if we fail to exercise or delay in exercising the right, power or remedy.

The invalidity, unlawfulness or unenforceability of any provision in the Terms of Use in any respect under applicable law shall not affect the validity, legality or enforceability of the remaining provisions hereof.

The Terms of Use will be governed by the laws of Malaysia and the parties agree to submit to the exclusive jurisdiction of the courts of Malaysia.

In this document:

1. AIA means AIA Bhd. (Company No. 790895-D) and AIA PUBLIC Takaful Bhd. (Company No. 935955-M).
2. Device means your own internet-enabled device that is compatible with the website and has a current and working internet connection.
3. Lossmeans any liabilities, losses, damages, costs and expenses (including legal costs and expenses, regardless of whether incurred or awarded) arising in contract, tort (including negligence) or otherwise.
4. Reference to 'we', 'us' or 'our' is a reference to AIA.