AIA Vitality Terms and Conditions

1. AIA Vitality Benefits 

1.1 What is AIA Vitality?

AIA Vitality is a wellness programme that works with you to make real change to your health. AIA Vitality's proven approach takes you on a personal pathway to better health: you get to know your health, learn how to improve your health and enjoy the rewards when you do.

1.2 What are the AIA Vitality Benefits?

The AIA Vitality Benefits are discounts, rewards, benefits, goods and/or services available to members through AIA Vitality. They can be found on our website at AIAVitality.com.sg.

1.3 Who can use the AIA Vitality Benefits?

Any member, as defined in section 5, can make use of the AIA Vitality Benefits.

1.4 When can you start using Partner Benefits?

You can start using Partner Benefits when you sign up for AIA Vitality and/or upon receipt of your AIA Vitality membership card. Certain Partner Benefits will require a processing period before you can access them. Please see the partner benefit guides on our website for more details.  

1.5 Additional fees for using Partner Benefits

Additional fees may be payable for the utilisation of certain Partner Benefits. Please see the partner benefit guides on our website for more details.  

1.6 Partner Cashback payments

Certain Partner discounts will not be extended at the point of sale. Please see the partner benefit guides on our website for more details. These discounts will be consolidated on a monthly basis in the form of rebates. You will receive such rebates by cheque payment or vouchers as we may determine from time to time at our sole discretion.

1.7 Platinum Bonus 

With effect from 25 January 2018, a new Platinum Bonus benefit will be introduced to the AIA Vitality programme.

How will AIA Vitality members be affected?

With effect from 25 January 2018, we are introducing a Platinum Bonus of S$150 to encourage you to excel in an active lifestyle.

Members who sign up for AIA Vitality from 25 January 2018 onwards and have achieved Platinum Vitality Status will be entitled to S$150 Platinum Bonus.

Members who sign up for AIA Vitality before 25 January 2018 will enjoy the Annual Cashback amount based on the table below till 24 January 2019 or their next membership anniversary date, whichever is earlier.

AIA Vitality Status Annual Cashback
Bronze $0
Silver $0
Gold $60
Platinum $120

From 25 January 2019, the Annual Cashback benefit will cease and all AIA Vitality members will only enjoy the Platinum Bonus.

How to claim the Platinum Bonus?

Upon achieving Platinum Vitality Status, AIA Vitality members will be receiving an email from AIA Vitality to provide their bank account details. Upon submission of their bank account details, their Platinum Bonus will be credited within 90 days after their membership anniversary date. AIA Vitality members who do not provide their bank details within 65 days following their membership anniversary date will not receive their Platinum Bonus.

2. AIA Vitality Membership Card 

2.1 When will you receive your AIA Vitality membership card?

You will receive your AIA Vitality membership card within five (5) business days after we receive payment of your Annual Membership Fee.  

We shall not be responsible in the event of any error in your application or your failure to receive your AIA Vitality membership card due to the provision of incomplete, inaccurate or obsolete mailing address, particulars or information.

2.2 You must present your AIA Vitality membership card to earn AIA Vitality points and enjoy Benefits by our Partners

You must present your AIA Vitality membership card to our Partners to earn AIA Vitality points and enjoy Benefits.

If you fail to present your AIA Vitality membership card to our Partners, you may not claim such AIA Vitality points and Benefits retrospectively.

2.3 Terms of use of AIA Vitality membership card/online account

You shall not be entitled to dispute any transaction using your AIA Vitality membership card or under your username and password, unless you had previously notified us of suspected or actual unauthorised use, loss or theft of your AIA Vitality membership card. We are entitled, but not obliged, to rely on all instructions and transactions carried out using your AIA Vitality membership card or under your username and password.

By applying for and using the AIA Vitality membership card, you agree and undertake: (a) not to use the AIA Vitality membership card for any commercial, fraudulent or unlawful purposes or purposes which are deemed unacceptable by us or which are prohibited by the AIA Vitality Terms and Conditions; (b) to promptly notify us of any unauthorised use, loss or theft of your AIA Vitality membership card; (c) to change your password immediately and notify us immediately and request a new password if you have reason to suspect that the security and/or confidentiality of your password has been compromised; (d) pay all fees relating to the use of your AIA Vitality membership card as we may prescribe from time to time; and (e) to only use your AIA Vitality membership card in accordance with the AIA Vitality Terms and Conditions.

Your AIA Vitality membership card is and shall at all times remain our property and shall be surrendered to us immediately upon our request and may be repossessed by us at any time. Your AIA Vitality membership card is non-transferable and shall be used exclusively by you. You shall be and remain liable for all transactions incurred from usage of your AIA Vitality membership card (whether authorised or otherwise), where investigations made by us reveal that you are a party to any actions regarding any transactions effected through the use of your AIA Vitality membership card.

2.4 Replacement of AIA Vitality membership card

Should you lose/damage your AIA Vitality membership card, you will need to notify us via email: support@aiavitality.com.sg or call AIA Customer Care Hotline at 1800 248 8000.You may request for us to issue a replacement AIA Vitality membership card and we shall at our sole and absolute discretion accept or refuse such request without having to assign any reason. The issue of any replacement AIA Vitality membership card may be subject to a Card Replacement fee unless waived by us at our sole and absolute discretion.

3. AIA Vitality points  

3.1 How you can earn AIA Vitality points

You will earn AIA Vitality points for completing certain activities if you are an AIA Vitality member.

Additional rules, such as age and gender rules, apply to some activities. Please refer to the partner benefit guides on our website for further details.

3.2 How many AIA Vitality points you can earn

The number of AIA Vitality points you can earn depends on factors such as:

  • The activity you are doing. See "How to earn points" on our website for details.
  • Your health goals and risk factors. We may adjust the number of AIA Vitality points you can earn for each activity depending on how important the activity is to your health status.

For certain activities and/or groups of activities, there may be a daily limit as to how many AIA Vitality points you can earn. See "How to earn points"on our website for details.

3.3 Monitor your AIA Vitality points

You can monitor your AIA Vitality points by viewing your AIA Vitality points Statement when you log on to AIAVitality.com.sg or via the AIA Vitality mobile app.

3.4 Awarding of AIA Vitality points

AIA Vitality points will be awarded to you in accordance with the terms and conditions as determined by the respective Partner from time to time. It may take up to two (2) weeks for your AIA Vitality points to be updated on your AIA Vitality points Statement. We assume no control, responsibility or liability as to the awarding of or any delay in the awarding of AIA Vitality points or posting of transactions into your membership account by the respective Partners.

It is your responsibility to check that all AIA Vitality points are reflected accurately.

Any disputes in connection with or arising from the AIA Vitality points awarded must be notified to us as soon as possible and in any event, within three (3) months from the date of activity by email: support@aiavitality.com.sg; or call the AIA Customer Care Hotline at 1800 248 8000. We may need you to provide us with supporting documents wherever applicable to assist us in settling any disputes. If we do not receive any notifications from you of any disputes or inaccuracies on your AIA Vitality points within the stipulated timeframe, your AIA Vitality points Statement will be taken to be correct, final and binding on you. Our decision on any such dispute is final and conclusive.

If you visit your own preferred clinics in Singapore, and have completed any of the checks, screenings or vaccinations listed below, you can upload your test results and/ or proof of completion to the AIA Vitality members’ portal to earn AIA Vitality points. AIA Vitality points will be awarded based on the event date, such as your screening test / vaccination date.

Test component Healthy range AIA Vitality Points Recommended test frequency(Based on membership year) Points allocated (Based on membership year) Submission
Body mass index 18.5 – 22.9 750 for the test; 750 for being in the healthy range Annual Annually Result to be submitted via https://www.aiavitality.com.sg/memberportal/points_submission
Blood pressure 130/80 or lower on both measurements 750 for the test; 750 for being in the healthy range Annual Annually Result to be submitted via https://www.aiavitality.com.sg/memberportal/points_submission
Cholesterol <5.2mmol/l (200mg/dL) 750 for the test; 750 for being in the healthy range Once every three years if cholesterol is within the healthy range Annually Result to be submitted via https://www.aiavitality.com.sg/memberportal/points_submission
Blood glucose <=6.0mmol/l (108mg/dL)
<7.8 mmol/l (random)
750 for the test; 750 for being in the healthy range Annual Annually Result to be submitted via https://www.aiavitality.com.sg/memberportal/points_submission
Mammogram n/a 1000 (only for females aged 40 or over) Annual Annually Result to be submitted via https://www.aiavitality.com.sg/memberportal/points_submission
Pap smear n/a 1000 (only for females) Once every 3 years Annually Result to be submitted via https://www.aiavitality.com.sg/memberportal/points_submission
Prostate screening (PSA tumour marker) n/a 1000 (only for males aged 50 or over) Once every 3 years Annually Result to be submitted via https://www.aiavitality.com.sg/memberportal/points_submission
Colon cancer screen (stool occult blood test or CEA tumour marker) n/a 1000 (only for adults aged 50 or over) Annual Annually Result to be submitted via https://www.aiavitality.com.sg/memberportal/points_submission

 

Test component AIA Vitality points Recommended vaccination frequency Points allocated Submission
Flu vaccination 1,000 Annual Annually Receipt to be submittted via https://www.aiavitality.com.sg/memberportal/points_submission
Completed course: Cervarix vaccination 1,000 (only females aged 26 or below) Once off Once off Receipt to be submittted via https://www.aiavitality.com.sg/memberportal/points_submission
Completed course: Hepatitis B vaccination 1,000 Once off Once off Receiptto be submittted via https://www.aiavitality.com.sg/memberportal/points_submission

 

Test component AIA Vitality points Recommended test frequency Points allocated Submission
Dental screenings (visit to the dentist for scaling or general oral screenings) 1,000 Annual Annually Receipt (showing services rendered) to be submitted via https://www.aiavitality.com.sg/memberportal/points_submission

 

It is your responsibility to log onto AIAVitality.com.sg and upload your results in order to receive your AIA Vitality points. In the event of a dispute, our decision shall be final and conclusive.

3.5 Validity of AIA Vitality points

Your AIA Vitality points expire at the end of the membership year in which your AIA Vitality points are earned.

3.6 Transfer of rights to Benefits or AIA Vitality points

You may not transfer AIA Vitality points, membership rights or rights to Benefits to another person.

4. AIA Vitality Status 

4.1 How AIA Vitality Status is worked out

As a new member, you will start your membership at Bronze Vitality Status. AIA Vitality points earned throughout your membership year are added towards your AIA Vitality Status. The more points you earn, the higher the AIA Vitality Status you will achieve. The different status levels are: Bronze, Silver, Gold and Platinum. To move up a status, you will need to accumulate a sufficient number of AIA Vitality points.

See “"How to earn points"” on how many AIA Vitality points are needed for each AIA Vitality Status.

4.2 The extent of some Benefits depends on your AIA Vitality Status

The extent of some Benefits you are entitled to depends on your AIA Vitality Status. Please refer to the partner benefit guides on our website for more details.

4.3 Validity of AIA Vitality Status

Your AIA Vitality Status does not expire at the end of the membership year in which the status was earned.

The AIA Vitality Status that you carry into the new membership year is the AIA Vitality Status you have earned in the immediately preceding membership year.

5. Who qualifies as an AIA Vitality member  

To qualify as a member of AIA Vitality, the following conditions must be met:

  • Payment of Annual Membership Fee;
  • You must be aged 18 and above as of your last birthday; and
  • You must be the policy owner of an AIA Singapore insurance policy or be insured under an AIA Singapore insurance policy.

The AIA Vitality member must be an individual and not a company or legal entity. Each individual is entitled to only one AIA Vitality membership. 

6. Conditions of membership 

6.1 You agree to the AIA Vitality Terms and Conditions

By paying the Annual Membership Fee to AIA Vitality and participating in AIA Vitality, you confirm that you understand and accept the AIA Vitality Terms and Conditions and any changes that we may make to the AIA Vitality Terms and Conditions from time to time will apply to you.

7. AIA Vitality membership 

7.1 AIA Vitality membership period

The AIA Vitality membership year is the 12 month period that runs from the date the AIA Vitality membership begins.

The AIA Vitality membership year can start on any day of the calendar year.

7.2 Joining AIA Vitality as a new AIA Singapore policy owner/insured

You may sign up for AIA Vitality when you apply for an AIA Singapore insurance policy. Your AIA Vitality membership will be activated upon the inception of your AIA Singapore insurance policy and upon receipt of payment of your Annual Membership Fee.

7.3 Joining AIA Vitality as an existing AIA Singapore policy owner/insured

You may sign up for AIA Vitality at any time. Your AIA Vitality membership will only be activated following our receipt of payment of your Annual Membership Fee.

7.4 Rules applicable when joining AIA Vitality through an Employer

If you are an existing AIA Vitality member and you subsequently join an Employer, any obligation to make future payments of the Annual Membership Fees will be switched to the Employer from the date your Employer informs us of you joining the Employer.Pro-rated refunds will be made for advance payment in Annual Membership fee

If you leave an Employer who has paid for your AIA Vitality membership on your behalf, you will have 60 days from the date your Employer notifies us of your leaving to continue your AIA Vitality membership, provided that you meet the eligibility conditions as set out in section 5.

8. Fees 

8.1 Membership fees and renewals

Participation in AIA Vitality is subject to the payment of an Annual Membership Fee that we may determine from time to time. All Annual Membership Fees shall be payable to us on or before your membership fee due date.

You may pay your Annual Membership Fee on an annual, semi-annual, quarterly or monthly basis using payment methods approved by us. Each monthly, quarterly, or semi-annual payment is an instalment of the current year's Annual Membership Fee.

We reserve the right to change the Annual Membership Fee provided we send you reasonable notice in advance of any such change in Annual Membership Fee. If you are not satisfied with the changes, your sole recourse shall be to terminate your membership in line with the termination provision in section 9.However, please note that you may still be subject to the notice period of certain Partners and to any other relevant terms and conditions of such Partners.

Subject to the termination provisions in section 10 and your continued eligibility to be an AIA Vitality member as set out in section 5, your AIA Vitality membership will be automatically renewed for a 12 month period on the membership anniversary date.

If we do not receive payment of your Annual Membership Fees by the end of the Grace Period, your AIA Vitality membership will be automatically terminated. Your AIA Vitality membership will continue to be in force during the Grace Period.

Annual Membership Fees are collected separately from your AIA Singapore insurance policy premiums.

8.2 Membership fee refunds

The Annual Membership Fee is non-transferable and is non-refundable.

9. Ending of membership 

You may only terminate your AIA Vitality membership at the end of the membership year. You must provide us with 30 days prior written notice, sent to us at support@aiavitality.com.sg in order to terminate your AIA Vitality membership. However, please note that you may still be subject to the notice period of certain Partners and to any other relevant terms and conditions of such Partners.

Your AIA Vitality membership will be terminated if you are no longer the policyowner of an AIA Singapore insurance policy or insured under an AIA Singapore insurance policy or a spouse or dependant of an insured under an AIA Singapore insurance policy, as elected by that insured's Employer.

You may only retain any AIA Vitality points and AIA Vitality Status you have earned (subject to the provisions set out in sections 3 and 4) if you pay your Annual Membership Fee within 60 days of your original AIA Vitality membership end date.

In the event that there are any unpaid sums owed to us or to any of our Partners in connection with your AIA Vitality membership, upon the termination of your AIA Vitality membership, we reserve the right to deduct any such unpaid sums from the AIA Vitality Partner Benefits or rewards that you may have earned.

Upon termination of your AIA Vitality membership you may be entitled to any outstanding cashback that you earned less any outstanding fees due to AIA Singapore subject to the terms and conditions of the applicable cashback programme. You will not be entitled to any refund of the Annual Membership Fee upon termination of your AIA Vitality membership.

10. Termination 

We reserve the right to terminate, suspend, cancel, deactivate, recall or revoke AIA Vitality (in whole or in part) at our sole and absolute discretion for any reason whatsoever with reasonable notice.

We further reserve the right to terminate, suspend or deactivate your participation in AIA Vitality (in whole or in part, including your access and right to utilise one or more of the Benefits under AIA Vitality), your transaction(s), AIA Vitality membership card or AIA Vitality points and/or forfeit the accumulated AIA Vitality points, at our sole and absolute discretion for any reason whatsoever without any prior notice or reasons including without limitation, if we detect any unusual, irregular, suspicious, fraudulent or unauthorised use or activity or any threatened or actual breach by you of the AIA Vitality Terms and Conditions.

11. Other important information 

11.1 Dishonesty/Fraud

The contract entered into between you and us is based on mutual trust. Where dishonesty or fraud (which includes exaggeration) is picked up, Benefits may not be awarded, your membership may be cancelled and the matter may be referred to the police. This membership may become invalid and we may take other action consistent with our legal rights.

If any claim is dishonest or fraudulent or if any dishonest or fraudulent means or devices are used by you, any member of your household or anyone acting on your or their behalf in relation to AIA Vitality, then all Benefits under this programme may be lost, your AIA Vitality membership may be cancelled and you may have to return to us any payments already made as a result of any dishonest or fraudulent actions.

11.2 Changes to the AIA Vitality Terms and Conditions

The terms and conditions herein and the Benefit rules are subject to change (including without limitation, modification, deletion or replacement thereof) from time to time at our sole and absolute discretion. If you are not satisfied with the changes your sole recourse shall be to terminate your membership in line with the termination provisions set out in section 9.

We reserve the right to add, remove or modify Partners, Benefits and the status and AIA Vitality points earning structure from time to time at our sole and absolute discretion.

We will give you reasonable notice of any removal of Partners and Benefits and changes to the Annual Membership Fees.

11.3 Acceptance of the AIA Vitality Terms and Conditions

You have no legal relationship with us, other than being bound by the AIA Vitality Terms and Conditions and consequently, when entitled to do so, to receive any Benefits.

Nothing herein shall be construed as a representation by us that AIA Vitality and/or AIA Vitality membership card is available for use in geographic areas or jurisdictions other than Singapore.

The AIA Vitality Terms and Conditions and the use of the AIA Vitality membership card shall be governed by and construed in accordance with the laws of Singapore and you agree to submit to the exclusive jurisdiction of the Singapore courts.

If for any reason, any provision or part of the AIA Vitality Terms and Conditions is found to be void or unenforceable, such provision or part of the AIA Vitality Terms and Conditions shall be deemed to be severed from AIA Vitality Terms and Conditions and the remainder of such provision or of the AIA Vitality Terms and Conditions, as the case may be, shall remain in full force and effect and may be enforced to the fullest extent possible.

11.4 How we communicate with you

We shall be entitled from time to time to contact you via electronic transmission (e.g. email), mail, SMS, MMS, telephone, fax and other means of communication (via any of your telephone numbers, whether registered in Singapore or otherwise) in respect of your membership and participation in the programme.

Any notice or other information to be given to you may be given by electronic transmission (e.g. email), mail, SMS, MMS, telephone, fax and other means of communication (by any of your telephone numbers, whether registered in Singapore or otherwise), at the address as may from time to time be notified in writing.

11.5 Disclosure of information

You hereby agree that any information provided by you for use of AIA Vitality is on a voluntary basis and is only for your membership and participation in AIA Vitality. You also agree that the information provided by you for your membership and participation in AIA Vitality does not constitute disclosure of information for the purposes of an insurance policy contract between us and you. Notwithstanding the information provided by you for the membership and participation in AIA Vitality, you are still obliged to disclose all relevant and material information in any proposal or claim form for the purchase of an insurance policy or claims under an insurance policy sold by us.

11.6 Exclusion of Liabilities

To the fullest extent permitted by law, we disclaim all express or implied warranties including, but not limited to, warranties of satisfactory quality, merchantability and fitness for a particular purpose. We shall not be liable for any damage or loss of any kind directly or indirectly arising from or in connection with AIA Vitality, any information, software, products, services or content obtained through AIA Vitality, or your dealings with third party service providers available through AIA Vitality. Any third party links provided by us on any of our websites, communication channels and social media are provided for your convenience. Their inclusion does not imply any approval or endorsement by us. We have no control over the content of those sites and accept no responsibility or liability in respect of them. You must evaluate and bear all risks associated with the use of the content downloaded and acquired through our/third party websites. We shall not be liable for any damage or loss of any kind directly or indirectly arising from or in connection with your use or inability to access our website /third party links and/or use any related documents. Please note that the material (including, without limitation, workout and exercise tips, and information contained in applications and video clips), provided on any of our websites, communication channels and social media, including all text, photographs, images, illustrations, graphics, audio, video and audio-video clips, is provided by way of information only. Whilst we, (including our holding company, subsidiaries and/or the subsidiaries of our holding company), endeavour to ensure that the contents of the material are accurate, errors or omissions may occur and we do not accept any liability in respect of them. We recommend that you consult with your physician before you undertake to follow any health and fitness instructions you may receive from AIA Vitality, our websites, communication channels and social media. We are not a licensed medical provider and have no expertise in diagnosing, examining, or treating medical conditions of any kind, or in determining the effect of any specific exercise on a medical condition. AIA Vitality is not intended to be a substitute for professional medical advice, diagnosis, treatment or management of care following an assessment in the event of abnormal health screen results. Should you have any health related questions, please call or see your healthcare provider promptly. Should you have an emergency, call your healthcare provider immediately. You expressly agree that your athletic activities carry certain inherent and significant risks of property damage, bodily injury or death and that you voluntarily assume all known and unknown risks associated with these activities even if caused in whole or part by the action, inaction or negligence of us or by the action, inaction or negligence of others. You also expressly agree that we do not assume responsibility for the inspection, supervision, preparation, or conduct of any race, contest, group athletic activity or event that may earn you AIA Vitality points. If you ever start to feel unwell or have discomfort at any time after trying the workout or exercise, stop immediately and seek further advice from your healthcare professionals. Do not disregard, avoid or delay obtaining medical or health related advice from your healthcare professional because of what you may have read on any of our website, communication channels and social media. Current health and fitness research may exist that could impact the information provided by us, and any tips may not be based on the most recent findings or developments. We will not be held responsible for any injuries and/or damages that may result from your participation in or engagement of the workout or exercise or any health and wellness programme, of which the information has been provided to or shared with you on any of our websites, communication channels and social media.

11.7 Others

In the AIA Vitality Terms and Conditions, unless the context otherwise requires, the headings are inserted for convenience only and shall not affect the construction of these terms and conditions.

Please review the AIA Vitality Terms and Conditions periodically for changes and updates. To notify you of when the AIA Vitality Terms and Conditions were last revised, please refer to the date stated at the end of the AIA Vitality Terms and Conditions.

12. Definitions and interpretation 

The following expressions have the following meanings:

AIA Singapore, we, our

Refers to AIA Singapore Private Limited and/or its holding company and/or its subsidiaries and/or the subsidiaries of its holding company.

AIA Vitality

Refers to the AIA Vitality programme administered and offered by AIA Singapore.

AIA Vitality Terms and Conditions

Refers to the terms and conditions which govern an AIA Vitality member’s participation in AIA Vitality including the terms and conditions herein and the Benefit rules as set out in the partner benefit guides as amended from time to time.

AIA Vitality  points

The AIA Vitality points awarded to a member for doing certain healthy activities, health screenings, dental screenings, and or vaccines . AIA Vitality points add up to help the member achieve a AIA Vitality Status.

AIA Vitality  Status

The status level on AIA Vitality that a member can achieve due to the number of AIA Vitality points he/she may have earned. Status levels are Bronze, Silver, Gold and Platinum. Members start on Bronze and progress to Platinum as they earn AIA Vitality points while engaging in healthy activities.

Platinum Bonus

All AIA Vitality members who have attained Platinum Status will receive a $150 Bonus at the end of their anniversary year.

Annual Membership Fee

The annual membership fee that must be paid to enjoy rights of membership on AIA Vitality.

Benefits

Refers to discounts, rewards, benefits, goods and/or services available to members through AIA Vitality.

Card replacement fee

A fee chargeable for replacement of lost or damaged card.

Employer

A corporation who has purchased AIA Vitality membership for and on behalf of its employees

Grace Period

Refers to the extra 60 days that we give to you, from the membership fee due date, for you to pay your fee.

Membership fee due date

Refers to the date when your Annual Membership Fee payment is due.

Membership year

The 12-month period starting from the date your AIA Vitality membership begins. 

Partner

Means a retailer, or any other person, firm or corporation which has been contracted with to provide Benefits to AIA Vitality members.

Partner Benefits

Refers to discounts, rewards, benefits, goods and/or services available to members through AIA Vitality offered by our Partners.

Partner Cashback

Discounts you are entitled to with some of our Partners which may be distributed in the form of cheque or vouchers.

You, your

Refers to an individual who has applied and been granted membership in AIA Vitality.

 

Information is correct as of 24 Jan 2017.

DATE LAST UPDATED: 20 November 2015

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1.2 If you do not agree to these Terms of Use, you must not access or use this website.

1.3 We may amend these Terms of Use from time to time, without providing notice to you and without giving any reason for doing so, by posting an updated version of the Terms of Use on the website. You should regularly check these Terms of Use for any amendments. If these Terms of Use are amended, you must comply with the updated Terms of Uses. If you do not agree to the updated Terms of Use, you must immediately cease using the website.

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We also assume 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 website.

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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.

8  Ownership of information

Any information, other than personal data or information, you transmit to us 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 our property. Such information, other than personal data or information, may be used by us for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. We may use any ideas, concepts, know-how, or techniques contained in any communication you send to us via this website 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 us 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 Personal Data Policy (Singapore).

9  Intellectual property

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 these Terms of Use and except as permitted by applicable law, you must not (and must not attempt to):

9.1 use, copy, reproduce, republish, modify, stored in a retrieval system, create derivative works or use in any other way for public or commercial purposes any part of the website;

9.2 distribute, translate, modify or tamper with, any part of the website;

9.3 create derivative works of or from any part of the website;

9.4 sell, rent, lease, sub-license, assign, exchange or otherwise transfer your rights under these Terms of Use; or

9.5 permit or assist any person to engage in any act described in paragraphs 9.1 to 9.4 above.

10  Performance of the website

10.1 We 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:

10.1.1  any network connection difficulties occur;

10.1.2  that your use of the website will be continuous, uninterrupted, secure or error-free.

10.2 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:

10.2.1  any network connection difficulties occur;

10.2.2  the systems providing those services are unavailable for any reason (including so that maintenance can be performed);

10.2.3  you breach any of these Terms of Use; or

10.2.4  we decide to terminate, suspend or block your access to the website for any reason.

10.3 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.

10.4 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 paragraph.

11  Software licenses

To the extent that any software is made available or provided to you on this website, we grant you a non-exclusive, limited and personal licence to download and use the software for your own personal, non-commercial use only. All rights including intellectual property rights in the software remain our property or the property of 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.

12  eCare terms of use

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, your password and access to this website and/or online facilities. You must not allow anyone other than yourself access to these records.

You must notify us immediately by email to sg.ecare@aia.com or call our AIA Customer Care Hotline at 1800 248 8000 (For overseas calls, kindly dial 65-6248 8000), if you suspect that your policy 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 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.

13  Security reminder

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.

14  Third party rights

A person who has not agreed to be bound by the Terms of Use shall have no right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce any of the terms herein.

15  Inconsistency in wordings

If there is any ambiguity or inconsistency between the English and local language versions of these Terms of Use, the English version will prevail.

16  No waiver

We do not waive a right, power or remedy in connection with these Terms of Use if we fail to exercise or delay in exercising the right, power or remedy.

17  Severability

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

18  Governing law and jurisdiction

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

19  Defined terms and interpretation

19.1 In this document:

19.1.1  AIA means AIA Group Limited and its subsidiaries.

19.1.2  Device means your own internet-enabled device that is compatible with the website and has a current and working internet connection.

19.1.3  Loss means 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.

19.2 In this document, a reference to 'we', 'us' or 'our' is a reference to AIA.

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 our policy on the use of cookies.

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:

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

AIA collects, uses and discloses personal data for the following purposes:

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:

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 described above.

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 notice.

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.

Data accuracy

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.

Use of cookies

Cookies are unique identifiers placed on your computer or other device by a web server, which contains information that can later be read by the server that issued the cookie to you. AIA may use cookies on various 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.

Contact us

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
Singapore 049246

OR:

AIA Customer Service Centre
3 Tampines Grande
Singapore 528799

For enquiries on personal data related matters, you may write to:
The Data Protection Officer
AIA Singapore Private Limited
3 Tampines Grande
AIA Tampines
Singapore 528799
Email: mailto:sg.dpo@aia.com

Additional information

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.

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