CONDITIONS OF USE
By using this website, you acknowledge your assent to be unconditionally bound by the following conditions of use including any
future changes ("conditions"), without limitation or qualification. Please read these conditions carefully before using
this website. These conditions may be revised at any time by updating this posting. You are bound by any such revisions
and should therefore periodically visit this page to review the then current conditions to which you are bound.
To the fullest extent permissible pursuant to applicable law: (1) the information and materials on this
website are provided "as is" and without warranties of any kind whether express, implied, statutory or
otherwise, and AIA Group Limited and its affiliates and subsidiaries (collectively, "AIA") disclaim all
warranties, whether express, implied, statutory or otherwise, including, but not limited to, warranties of
merchantability, satisfactory quality and fitness for a particular purpose, title and non-infringement of
third party rights; (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 information and/or
materials on this website in terms of their correctness, accuracy, reliability, adequacy, completeness
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 the relevant product or services agreement. Nothing on this website shall constitute or
be construed as legal liability, undertaking or admission by AIA in any way.
This website may be linked to other websites which are not maintained by AIA. AIA is not responsible
for the availability, content or accuracy of other websites and does not make any warranty expressed
or implied, with respect to the use of those websites. The inclusion of any link to such websites does
not imply approval of or endorsement by AIA of the websites or the content thereof. You acknowledge
and agree that you access such websites at your own risk.
EXCLUSION AND LIMITATION OF LIABILITY
While AIA uses reasonable efforts to include accurate and up to date information on this website,
errors or omissions sometimes occur. To the fullest extent permissible under applicable law, AIA
makes no warranties or representations as to the accuracy, adequacy or completeness of the content
of this website and/or its materials and under no circumstances, including, but not limited to,
negligence, shall AIA or any party involved in creating, producing, or delivering the website be liable
to you for any direct, incidental, consequential, indirect, special or punitive damages, losses, liabilities,
costs, expenses and/or consequences of whatsoever nature that result from or in connection with any
access, the use of, or the inability to use, the materials on this website or reliance on the materials
and/or any information on this website, any systems, server or connection failure, error, omission,
interruption, delay in transmission, computer virus or any use of or access to any other websites
linked to this website even if AIA or an AIA authorized representative has been advised of the
possibility of such damages. To the fullest extent permissible under applicable law, in no event shall
AIA's total liability to you for all damages, losses, and causes of action exceed the amount paid by
you, if any, for accessing this website.
AIA also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may
infect, your computer equipment 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
This website is owned and operated by AIA. Except as otherwise expressly permitted by AIA, no
materials from this website or any website owned, operated, licensed or controlled by AIA 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 other
way for public or commercial purposes. You may download material displayed on this website solely
for your own use only, provided that you also retain all copyright and other proprietary notices
contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content
of this website, for public or commercial purposes, including the text, images, audio, and video,
without AIA's written permission.
You shall not use this website or any online facilities for any purpose that is unlawful or prohibited by
the Conditions. Additionally, you shall not: (i) use the website or online facilities in any manner that
could damage, disable, overburden or impair this website, online facilities or its network; (ii) attempt to
gain unauthorized access to this website, online facilities, accounts, computer systems or networks
connected to the website or online facilities, through hacking, password mining or any other means;
(iii) defame, abuse, harass, stalk, threaten or otherwise violate the legal rights of others; (iv) publish,
post, upload, distribute or disseminate any topic, name, material or other information that incites
discrimination, hate or violence towards one person or a group because of their belonging to any
race, religion or nation; (v) upload or otherwise make available, files that contain images,
photographs, software or other material protected by intellectual property laws unless you own or
control the rights thereto or have received all necessary consents to do the same; (vi) use any
material or information, including images or photographs, which are made available on the website or
online facilities in any manner that infringes any intellectual or other proprietary right of any party; (vii)
upload files that contain viruses, Trojan horses, worms, time bombs, cancelbots, corrupted file or any
other similar software or programs that may damage the operation of another's computer or property
of another; (viii) use meta tag searches on the website; (ix) advertise or offer to sell or buy any goods
or services for any business purpose, unless such AIA's communication facilities specifically allow
such messages; (x) download any file posted by another user that you know, or reasonably ought to
know, which cannot be legally distributed in such manner; (xi) falsify or delete any author attributes,
legal or other proper notices or proprietary designations or labels of the origin or source of software or
other material contained in a file that is uploaded; (xii) violate any code of conduct or other guidelines
which may be applicable for any particular communication facilities; (xiii) harvest or otherwise collect
information about others; (xiv) violate any applicable laws or regulations; (xv) create a false identity for
the purpose of misleading others; (xvi) use, download, copy or provide (whether or not for a fee) to a
person any directory of users of this website or online facilities or other user or usage information.
AIA reserves the right to review materials posted using the online facilities and to remove any
materials at any time in its sole discretion. AIA reserves the right to terminate your access to any or all
of the website and/or online facilities at any time, without any notice, for any reason whatsoever. AIA
also reserves the right to disclose any information deemed necessary to comply with any applicable
law, regulation or legal process, or to edit, remove, or refuse to post any information or materials at its
AIA neither warrants nor represents that your use of materials displayed on this website will not
infringe rights of third parties.
You are entirely responsible for maintaining the confidentiality of your own passwords and account
details. You are also entirely responsible for any transactions or activities that occur under your
account, regardless as to whether such transactions or activities were made with or without your
knowledge or authority. AIA shall not be liable for any damage, loss or other liability incurred by you
arising from any transactions of any kind whatsoever resulting from the unauthorized use of accounts
and passwords by any third parties. However, you may be held liable for any damage, loss or other
liability incurred by AIA for any wrongful use of your account and/or password. You shall report to AIA
immediately if you know or have reason to suspect that the security of your password and/or account
may have been compromised or used by another person without authority.
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 these Conditions; (iv) any other party's breach
of any of these Conditions where such party was able to access or use this website and/or online
facilities using your account and/or password.
EVIDENCE OF TRANSACTIONS
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 records and our online
services will be recognized as your electronic signature and will be legally binding. 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.
No failure or delay by AIA in exercising or enforcing any right or option under these Conditions shall
operate as a waiver of it or limit, prejudice or impair AIA's right to take any action or to exercise any
right against any person or render AIA responsible for any loss or damage arising therefrom or in
The invalidity, unlawfulness or unenforceability of any provision in these Conditions in any respect
under applicable law shall not affect the validity, legality or enforceability of the remaining provisions
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 product or other product or service by AIA. No security,
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 the securities, insurance or other laws of such jurisdiction. Some products and services may
not be available in all jurisdictions.
OWNERSHIP OF INFORMATION
Any information that 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 nonproprietary and
will become the property of AIA. Such 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. Additionally, AIA may in its
absolute discretion, reveal or release personal data obtained by or through this website, its online
facilities or services, to third parties where this is required or necessary. To the fullest extent permitted
by applicable law, you waive all applicable rights you may have in any information you transmit to AIA
via this website or otherwise, for the purposes of this section of the Conditions.
Your policy records are confidential and AIA Singapore Private Limited (Reg. No. 201106386R) has
taken steps to safeguard this confidentiality. However, your co-operation is required in order for the
confidentiality of your policy 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
records. You must not allow anyone other than yourself access to these records.
You agree to notify us immediately if you should suspect that your policy records have been accessed
by an unauthorised person.
You shall assume full responsibility and risk each time you access the eCare 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. The PIN which you will use to access your policy records and our on-line services
will be recognised as your electronic signature and will be legally binding. 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.
A COMMUNITY GUIDELINES
These community guidelines complimentary to, and should be read and understood together with, the
general terms and conditions of use set out above.
All intellectual property rights (including trademarks, service marks, trade names, company names,
logos, icons, slogans, copyrights, domain names, patents, design rights, utility models, database
rights, know-how, trade secrets and all other intellectual or industrial property rights including, where
such rights are obtained or enhanced by registration, any registration of such rights (including the
right to apply for such registrations) and applications therefor (including the right to claim priority))
relating to this website or the contents of this website are the property of, or licensed to, AIA. Other
than as expressly set out in these Conditions and except as permitted by applicable law, nothing
contained on the website should be construed as granting, by implication, estoppel, or otherwise, any
license or right to use any of such intellectual property rights without the written express permission of
AIA or the relevant licensors or owners of such intellectual property rights. Your use of such
intellectual property rights, or any other content on this website, except as provided herein, is strictly
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 license 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.
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, the
secure site utilizes advanced security techniques, which require Internet Explorer 6.0 or Mozilla
Firefox 3.0 or above.
INCONSISTENCY IN WORDINGS
In the event of any ambiguity or inconsistency between the English and local language versions of
these Conditions, the English version will control and prevail.
THIRD PARTY RIGHTS
A person who has not agreed to be bound by the Conditions shall have no right under the Contracts
(Rights of Third Parties) Act (Cap. 53B) to enforce any of the terms herein.
GOVERNING LAW AND JURISDICTION
These Conditions are governed by the laws of Singapore and the parties agree to submit to the
exclusive jurisdiction of the courts of Singapore.
Updated: 26 June 2014
This AIA Personal Data Policy ("PD Policy") sets out how AIA Singapore Private Limited (Co. Reg. No.
201106386R) ("AIA Singapore") and its associated individuals/organizations (collectively, "AIA",
"us", "our") collect, use, disclose and retain your personal data.
Among the most important assets of AIA is the trust and confidence placed in us to properly handle personal data.
You can expect us to maintain your personal data accurately, protect your personal data against manipulation and
errors and keep your personal data secure from theft and free from unwarranted disclosure.
This PD Policy provides you with notice as to what and how personal data is collected, how it is intended to be
used, to whom your personal data may be transferred to, how to access, review and amend your personal data and
AIA recognises its responsibilities in relation to the collection, holding, processing or use of personal data.
The provision of your personal data is voluntary. You may choose not to provide us with the requested data,
but failure to do so may inhibit our ability to do business with or provide services to you.
Save where "policy" is referred to in the context of the PD Policy, references to such expression may, in
addition to insurance policies that you may have purchased or under which you may be covered, include AIA
programmes to which you have subscribed or in which you are participating.
How we collect personal data
AIA collects personal data in the following ways:
- when you use our products or services, access our website and use our online and mobile services;
- when you submit documents and application forms to us during the application process for the purchase,
or in consideration of the purchase, of our products or services;
- when you submit requests for changes or updates to your policy or any other requests in connection with
your policy including through the submission of policy servicing forms and documents;
- when you respond to our queries or request for us to contact you;
- when you interact with our personnel, agents, customer service officers or sales representatives via
phone, email, face to face meetings, interviews, SMS, fax, mail or electronic mail;
- when we receive referrals and collect personal data from within AIA, its associated persons/organisations,
agents, business partners and service providers (collectively "AIA Persons"), and third party service
providers and representatives of AIA Persons;
- when you submit personal data to us to participate in a lucky draw, contest, event or competition
organised by AIA, its partners, representatives or service providers; and
- when we seek information from third parties about you including but not limited to investigators,
medical sources, hospitals, doctors, other healthcare professionals in connection with your policy, policy
applications, underwriting the risks of your policy, policy claims and/or products and services of AIA
used or purchased by you ("Medical Sources").
By providing us with any personal data relating to a third party (e.g. insured persons, family members, and
beneficiaries), you represent and warrant that you shall ensure accuracy of such personal data provided and
have obtained such third party's prior consent for our collection, use and disclosure of such third party's
personal data for the relevant purposes, except to the extent that such consent is not required under relevant
law. You further agree to keep us fully indemnified from and against any and all damages, losses, costs, legal
fees (solicitor-client basis), penalties and proceedings, including any penalties or other amounts levied,
imposed or charges by any regulator or regulatory authority, arising out of or in connection with your (or
those of your officers, employees, advisors, agents and representatives) acts or omission, fault or negligence
in performing these obligations or which results in us breaching relevant laws.
Type of personal data collected, used or disclosed
AIA may collect, use and disclose personal data including but not limited to the following:
Purposes for which personal data is collected, used or disclosed
- your personal particulars such as NRIC numbers, passport numbers, contact details, addresses, date of
birth, occupation, photographs and marital status;
- your financial information such as income, bank account numbers, CPF statements, bank statements,
credit card, GIRO and other payment details;
- your employment information and employment history;
- your medical information such as medical history, consultation history, prescriptions, notes,
treatments, description of medical services rendered and medical reports;
- details of your products and services purchased with AIA such as policy numbers and amounts insured; and
- personal data of a third party that you provide to us in connection with the purchase of our products
and services or for referrals.
AIA collects, uses and discloses personal data for the following purposes:
- evaluating your financial needs and providing recommendations of suitable products and services to you;
- to assess, process, administer, implement and effect the requests or transactions;
- underwriting the risks of your policy, reinsurance and assessing your eligibility to purchase our products
- servicing your policy, account and relationship with us;
- responding to your requests and queries including requests and queries from your authorised
representatives and individuals purporting to be you;
- making changes or updates to your policy;
- reviewing, renewing or reinstating your policy;
- providing ad-hoc or regular information about your policy;
- assessing, processing, settling, authenticating and investigating claims;
- verifying your identity and any information you provide to us;
- collecting premiums and making any payments to you in connection with our products and services;
- marketing and promoting the business activities, products and services of AIA to you via face to face
meetings, telephone calls, SMS, fax, mail and electronic mail;
- participating and administering contests, lucky draws, events and competitions;
- providing, managing, operating, processing and administering our products and services to you;
- archiving, backing-up or destroying personal data;
- compliance, monitoring and audit reviews;
- meeting requirements of prevailing internal policies of AIA;
- to design new or enhance existing products and services provided by us;
- to communicate with you including to send you administrative communications about any account you may have
with us or about future changes to this PD Policy;
- for market, statistical or actuarial research and trend analysis of our products and services for
company, regulatory or industry exercises and studies and reviewing the standard of our products and
- for data matching, internal business and administrative purposes;
- meeting requirements imposed by any law, rules, regulations, agreements or schemes imposed by any
government regulators, law enforcement agencies, government authorities, dispute resolution or industry
bodies or in connection with any investigations;
- to personalise the appearance of our websites, provide recommendations of relevant products and provide
targeted advertising on our website or through other channels;
- quality and training when our communications with you are recorded;
- conducting general administration in connection with the foregoing;
- other purposes as notified at the time of collection; and
- other purposes directly relating to any of the above.
By providing your personal data to us, you accept that AIA may retain your information for as long as necessary,
to fulfill the purpose(s) for which it is collected in compliance with applicable laws and regulations and
AIA's prevailing internal policies. AIA applies reasonable security measures to prevent unauthorised or
accidental access, processing, erasure, loss or use including limiting physical access to data within AIA's
systems and encryption of sensitive data when transferring such data. Reasonable steps will be taken to delete,
destroy or anonymise your personal data when it is no longer necessary for any of the purposes above.
Who may be provided with your personal data?
Personal data will be kept confidential but may, where permitted by law and where such disclosure is necessary
to satisfy the purpose or a directly related purpose for which the personal data was collected, provide such
personal data to the following parties:
- insurance intermediaries (including our financial services consultants);
- any AIA Persons, third party service providers and representatives of AIA Persons who provide
administrative services, business process services, storage services, scanning of policy documents
services, printing and despatch of documents, document processing and archiving services, information
technology services, data centre services, payment services, data analytics services, marketing services
and other services to AIA in connection with the business of AIA including but not limited to banks, credit
card companies, credit agencies, investigators, reinsurers, hospitals and clinics;
- Medical Sources and insurance organisations;
- any member company of AIA where necessary;
- other companies that help gather your information or communicate with you, such as research companies
and ratings agencies, in order to enhance the services we provide to you;
- our professional advisers such as our lawyers and auditors;
- any law enforcement agency, statutory board, government regulator, government authority, dispute resolution
or industry bodies as necessary to comply with any laws, rules, regulations, agreements or schemes;
- any party to whom you have consented the disclosure of your personal data; and
- any other party as permitted under applicable law.
From time to time, we may purchase a business or sell one or more of our businesses (or portions thereof) and
where permitted by law your personal data may be transferred or disclosed as a part of the purchase or sale or
a proposed purchase or sale. In the event that we purchase a business, the personal data received with that
business would be treated in accordance with this PD Policy, if it is practicable and permissible to do so.
Where permitted by law, your personal data may be provided to any of the above parties who may be located in
Singapore or outside of Singapore. Your information may be transferred to, stored, and processed in
Singapore or any other jurisdictions where any AIA company is located, or jurisdictions where a third party
contractor is located or from which the third party contractor provides us services. By providing us with your
personal information or using our services or our website or applications, you consent to the transfer of such
information outside your jurisdiction to our facilities or to those third parties with whom we share it as
Consent for marketing purposes
If you have given us consent to receive marketing and promotional information through electronic mail or postal
mail or on your Singapore telephone number(s) via phone calls, text or fax, we may from time to time contact
you on such Singapore telephone numbers(s) via your designated mode of communication or through electronic mail
or postal mail (as the case may be) to provide you with marketing, promotional information and updates about
our products and services.
We may also seek your consent and notify you separately of the purposes of the collection, use and disclosure
of your personal data from time to time with respect to particular products and services.
Any consent that you have given for marketing purposes is not affected by termination of your policy.
Consequences of consent withdrawal
You may withdraw your consent for us to collect, use or disclose your personal data by giving us reasonable
If you withdraw your consent for us to collect, use or disclose your personal data for non-marketing reasons, we
will be unable to process, administer and/or manage your policy, relationship and/or account with us. In such
event, you may be required to surrender or terminate all your policies or accounts or withdraw from any
programs in which you are participating. This may be to your disadvantage, as you may be losing valuable
benefits from your policies or programmes, incur surrender charges or it may not be possible for you to obtain
a similar level of protection on the same terms in the future.
You may withdraw your consent for your personal data to be used for marketing purposes and you will stop
receiving marketing information from us via the mode(s) of communication for which you have withdrawn such
consent after a period permitted under law or in accordance with our internal policies. Please note that such
withdrawal of your consent will not affect our ability to provide you with the products and services for which
you have requested or to which you have applied, subscribed or are participating with us.
As AIA relies on your personal data to provide products and services to you, you shall ensure that the
information provided by you to us is at all times correct, accurate and complete. You shall update us in a
timely manner of all changes to the information provided to us.
Cookies are unique identifiers placed on your computer or other device by a web server, which contains
websites we maintain. The information collected (including but not limited to: your IP addresses (and domain
names), browser software, types and configurations of your browser, language settings, geo-locations, operating
systems, referring website, pages and content viewed, and durations of visit) will be used for compiling
aggregate statistics on how our visitors reach and browse our websites to help us understand how we can improve
your experience on it. Such information is collected anonymously and you cannot be identified unless you have
logged on as a member. We use such data only for website enhancement and optimisation purposes. The cookies
also enable our website to remember you and your preferences, and tailor the website for your needs.
Advertising cookies will allow us to provide advertisements on our websites that are as relevant to you as
possible, e.g. by selecting interest-based advertisements for you, or preventing the same advertisement from
constantly reappearing to you.
Most web browsers are initially set up to accept cookies. If you do not want to receive cookies, you can disable
this function in your browser settings. However, by doing so you may not be able to fully enjoy the benefits of
our websites and certain features may not work properly.
Amendments to this PD Policy
AIA reserves the right, at any time and without notice, to add to, change, update or modify this PD Policy,
simply by notifying you of such change, update or modification. If we decide to change our personal data
policy, those changes will be notified on our website so that you are always aware of how and what information
we collect, how we use the information and under what circumstances the information is disclosed. Any such
change, update or modification will be effective as stated in the PD Policy.
You have the right to access and request for the correction of your personal data and withdraw your consent
given to us to collect, use or disclose your personal data. We may charge a fee for data access requests. You
may access your personal particulars via e-Care on the AIA Singapore website. Persons insured under our group
insurance policies may make access and correction requests through e-Benefits on the AIA Singapore website or
through your respective employers. In all other cases, requests for withdrawal of consent, access and
correction may be made via e-Care or should be addressed in writing to:
AIA Customer Service Centre
1 Finlayson Green
AIA Customer Service Centre
3 Tampines Grande
For enquiries on personal data related matters, you may write to:
The Data Protection Officer
AIA Singapore Private Limited
3 Tampines Grande
Should you have any questions on any part of this PD Policy or would like additional information regarding AIA's
personal data practices, please do not hesitate to contact us via the contact channels set out above.