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Terms of Use (UPGREAT)

Last Revision Date : 2 December 2018


Please read the terms below carefully.

The Terms of Use stated herein (collectively, the “Terms of Use” or this “Agreement”) constitute an agreement between you and Great Eastern Life Assurance (Malaysia) Berhad  (“Great Eastern” or “we” or “us” or “our”). By accessing and/or using this Application (as defined below), you hereby expressly acknowledge and agree to be bound by the Terms of Use, including any future amendments, additions, replacements and modifications hereto as may from time to time be made by Great Eastern. If you do not agree to any of these Terms of Use, please do not access or continue using this Application.

In addition to these Terms of Use, you may be required to agree to other terms and conditions in respect of particular Contents or Services we may make available on or via this Platform from time to time. In the event and to the extent only of any conflict or inconsistency between the terms and conditions of any particular Content or Service and these Terms of Use, the terms and conditions for such Content and/or Service will prevail over these Terms of Use.

Great Eastern may amend these Terms of Use from time to time, without giving any notice to you and without giving any reason for doing so by posting an updated version of the Terms of Use on the Application. It is your responsibility to check them periodically for any changes. If you do not agree to the updated Terms of Use, you must immediately cease using the Application.

If you are under 18 years of age, you may only use this Platform with the consent of and under the supervision of your parent or legal guardian who shall be responsible for your use of this Platform.


1. Introduction to Our Application

The Rewards Programme (the "Application") is provided by Great Eastern. This Application is a mobile application aim to drive customer engagement.  This application provides easy access to redeem vouchers, rewards and privileges. The Application is accessible to both Great Eastern customers and non-Great Eastern customers. To use this Application, you must register an account with the Application by providing a valid email address and a password (herein refers to UPGREAT members “Members”).


2. Eligibility

Any member of the general public may download the Application and sign up for an account.


3. Using Our Application

3.1 The information and materials contained in this Application are provided on an "as is" and "as-available" basis without representation and/or warranty of any kind, either express or implied. In particular, no warranty or responsibility is assumed by Great Eastern and our related or holding companies regarding non-infringement, security, accuracy, completeness, adequacy, reasonableness, fitness for a purpose, or freedom from computer viruses in connection with the information and materials provided. Great Eastern and its related corporations do not accept any liability for any loss, damage, cost or other expense, whether wholly or partially, directly or indirectly, arising from any error, inaccuracy, or omission in relation to this Application to the extent that such liability is not excluded by law. 


4. Consent

4.1 By accessing and/or using this Application, you agree and consent to Great Eastern and its related corporations (collectively, the “Companies”), as well as the Companies’ authorised service providers and relevant third parties, collecting, using and/or disclosing your personal data for purposes reasonably required by the Companies to administer and/or manage your Account in this Application and such other purposes as described in Great Eastern’s Privacy Statement (collectively, the “Purposes”) which is accessible from Great Eastern Malaysia’s website, which you confirm you have read and understood.

4.2 Marketing Consent

In addition, by accessing and/or using this Application, you consent to the Companies as well as their respective representatives and agents collecting, using and disclosing your personal data in their records for the purposes of providing you updates and rewards about their products and services via:

  • phone; and
  • mail, email and other means of communication.


5. Third party Links

This Application may contain links to other third party websites owned and/or operated by third part(ies) who are not related or affiliated to Great Eastern (“Third Party Websites”). The Third Party Websites are not under the control and/or supervision of Great Eastern. By providing hyperlinks or connection to third parties' services/products/contents via this Application, Great Eastern is not responsible for the contents, and shall not be deemed to endorse, invite, recommend, approve, guarantee, or introduce any third parties or their services/products/contents, or have any form of cooperation with such third parties and websites. Great Eastern is not a party to any contractual arrangements entered into between you and the third party provider of services/products/contents unless otherwise expressly specified or agreed to by Great Eastern. Great Eastern shall have no obligations or liabilities whatsoever in relation to the offer(s), goods and/or service(s) (including, without limitation, their quality and supply) provided by third parties. 


6. Performance of the Application

6.1 Great Eastern makes no guarantee as to the reliability or other performance of the Application. The performance of the Application depends on various factors, including the functions, capacity and configuration of your mobile phones or access device, the speed of your internet connection, and the number of users assessing the systems which support the Application.

6.2 Great Eastern will use reasonable endeavours to generally make the Application available during its normal business hours. However, the availability of the Application depends on various third party service providers, and accordingly, Great Eastern does not represent, warrant or guarantee that:

a) your use of the Application will be continuous, uninterrupted, secure or error-free; Any network connection difficulties occur;

b) there will be no occurrence of network connection difficulties.

6.3 You acknowledge that the Application may not be available for use from time to time, and that you may be disconnected from your use of the Application at any time for any reason, including if:

a) any network connection difficulties occur;

b) the systems providing those services are unavailable for any reason (including system maintenance);

c) you have breached any of these Terms of Use; or

d) Great Eastern decides, in its sole discretion to suspend, block or terminate your access to the Application for any reason.

6.4 The information available through the Application is subject to updates from time to time. While Great Eastern aims to ensure that it is up-to-date, there may be delays, errors or omissions that could affect its currency or accuracy due to the nature of the Internet. Accordingly, Great Eastern does not represent or warrant that this Application will be available at all times and that access will not be interrupted, that any defects will be corrected, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your mobile phones or access device. Great Eastern is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send or receive. You have the sole responsibility for adequate protection of mobile phones/access device and backup of data by taking sensible and prudent actions.


7. Registration and Account Security

7.1 When using the Application, we expect you to help us maintain the security of your Account. You acknowledge and agree:

a) to set up only one (1) account for your personal use as setting up multiple accounts is not allowed.

b) you will not invent a false persona, but will use your real identity at all times on the Application.

c) you will not impersonate another person or entity, or otherwise misrepresent your affiliation with another person or entity.

d) to the fullest extent permitted under Malaysia law, you shall keep all information obtained through this Application secure and confidential.

e) you are solely responsible for maintaining the confidentiality of the information you hold for your Account, including your password, and for any activity that occurs under or through your Account as a result of your failure to keep this information private, secure and confidential. Great Eastern is not liable for any loss, damage, cost or other expense incurred by you due to any third party using your account or password as a result of your failure to keep your account information private, secure, and confidential.

f) if you invent a false persona or misrepresent your real identity we reserve the right to disable, delete, or suspend your account.

g) if we disable, delete, or suspend your account, you agree you will not create another account without our permission.

7.2 Great Eastern reserves the right, at its sole discretion, to do any of the following, at any time, without notice:

a) amend, modify, add, delete, or revise in any way any information of this Application and/or these Terms of Use;

b) determine, impose, and vary from time to time the scope and/or any restrictions on the use of this Application to be made available;

c) suspend or terminate operation of or access to the Application, or any portion of the Application, for any reason;

d) expand, add, modify, reduce, remove, or change functionalities in the Application, or any portion of the Application;

e) interrupt the operation of the Application, or any portion of the Application, as necessary to perform maintenance, error correction, or other changes; and

f) purge your data from our Application at any time without notice, and you agree that we will not be liable for any loss alleged to result from purging, deletion, or failure to store your data.

7.3 Please note that by posting any information or content onto this Application or through instant messaging, you acknowledge that you are allowing Great Eastern and its related corporations to access and use that information, and to associate it with you. Please also take note that you should not post any information (be it texts, graphics, drawings, images, photographs, audio or video materials) that:

a) could disable, overburden, or impair the proper working of the Application, including uploading viruses or other malicious code;

b) may be unlawful, fraudulent, violent, abusive, obscene, profane, hateful, offensive, racist, discriminatory or otherwise objectionable or unreasonable;

c) threaten, defame, bully, intimidate, or harass any person or organization or Great Eastern generally;

d) are solicitations, advertisements, endorsements or misrepresentation of any kind, or unauthorized commercial communications (such as spam);

e) infringe upon any entities' privacy and rights including intellectual property right or proprietary right of any person or organization;

f) are off-topic; and

g) contain anything else Great Eastern deems to be inappropriate.

You acknowledge and agree that Great Eastern shall have the right to modify, remove, or delete any posted data that in Great Eastern's sole opinion may be in breach of this term.

7.4 Great Eastern requires you to take the necessary precautionary measures to ensure that no unauthorised access is given to your Account. Therefore, you must not allow anyone other than yourself access to the Application. You must notify us immediately by email to if you suspect that your Account had been accessed by an unauthorised person.

7.5 Update & change of personal data

a) Update, change or deletion of email is not allowed

b) Change of mobile number can only be updated via the Great Eastern Customer Service.

c) Your account will be deleted automatically due to inactivity if you do not log in at least once within 18 months of your last login.

d) Any changes to your account will only be reflected in the Application and not in your Great Eastern policies/certificates.


8. Rewards & Challenges

8.1 When using the Application, we expect the data you enter in the Application to be accurate and true to the best of your ability. You acknowledge and agree that:

a) You will not knowingly falsify any data. 

b) You agree that if you have falsified any data we reserve the right to:

i. modify, amend, update, or delete the falsified records;

ii. cancel any e-voucher earned through such means; and

iii. suspend, disable, or delete your Account in the case of repeated or egregious activity.

8.2 Members are responsible for the usage of all e-voucher(s) found in their “My Voucher” tab before the expiry date, failing which, the e-voucher shall be null; void and removed from the Member’s “My Voucher” tab and such e-vouchers shall not be replaced or extended.


9. Instant Offers

9.1 Members acknowledge and accept that the use of the e-voucher(s) under the Instant Offers section is subject to the terms and conditions imposed by the participating Merchants providing the relevant reward.

9.2 Instant offers e-voucher(s) in the form of digital vouchers; promo codes or barcodes:

a) are denominated in Malaysian Ringgit, unless otherwise stated;

b) must be used before the expiry date, failing which, the e-voucher shall be null; void and removed from the list and shall not be replaced or extended.

c) where the e-voucher is in the form of a promo code or barcode, it shall not be shared or disclosed to other person(s).

d) where prior reservations are required for the use of such e-voucher(s) with a Merchant, Member shall be responsible for making such prior reservations and paying the ancillary cost (if any) associated with the use of such e-voucher(s).

9.3 E-vouchers are not exchangeable for cash or other e-vouchers.

9.4 Members who have redeemed physical voucher(s), item(s) or prize(s) are not allowed to sell, or request for an exchange.

9.5 If the value of the goods and/or services purchased by the Member using the e-voucher exceeds the value stated therein, the Member shall be responsible for paying the difference to the Merchant.

9.6 E-voucher(s) that the Member is entitled to can be found in Member’s “My Voucher” tab and may be transferable as gifts (unless otherwise provided for) to third parties. However, the recipient must also be a Member in order to receive the e-voucher as a gift.


10. Limit of Liability

10.1 By accessing or using this Application, you expressly agree that such access or use is at your own risk. Great Eastern assumes no responsibility and shall not be held liable for any loss, damage, cost or other expenses which you may incur as a result of any information or materials provided on this Application and/or your access to, or the use of, this Application. 

10.2 You acknowledge that you are fully aware and expressly agree that the use of this Application is subject to having all your relevant activities hereof monitored and recorded by Great Eastern. These activities include coaching conversations, data synced or logged with the Application and location (where permission is given by you). Emails and other communication sent to Great Eastern and/or the Application over the Internet cannot be guaranteed to be completely secure. Access to and use of your email address is at your own risk and subject to any terms and conditions applicable to such access/use. Great Eastern is not responsible for any damages incurred by you if you send an email/message to Great Eastern or if Great Eastern sends an email/message to you at your request, over the Internet. 


11. Indemnity

You agree to indemnify and must keep indemnified Great Eastern, its related companies and any holding companies from and against any and all damages, losses, liabilities, costs and expenses (including full legal costs on a solicitor-client basis) arising from or in connection with: (i) your access to or use of this Application; (ii) any other party’s access to or use of this Application using your account and/or password; or (iii) your breach of any of these Terms of Use; (iv) any other party’s breach of any of these Terms of Use where such party was able to access or use the Application using your Account and/or password.


12. Intellectual Property

All copyright and other intellectual property rights in this Application are proprietary to Great Eastern and its licensors. You shall not (and shall not attempt to):

a) use, copy, reproduce, altered, adapt, broadcast, modify, stored in a retrieval system, create derivative works or use in any other way for public or commercial purposes any part of the Application;

b) modify, reproduce, distribute, translate, transmit or tamper with any part of the Application;

c) create derivate works of or from any part of the Application;

d) permit or assist any person to engage in any act described in paragraphs 12(a) to 12(c) above.


13. Ownership of Information

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

14. Personal Data Protection 

Any personal information submitted to Great Eastern via this Application will be subject to Great Eastern’s Privacy Statement (Malaysia).


15. Inconsistency in wordings

In the event of any inconsistency and/or omission between the English language and other language versions of these Terms of Use, the English language version shall prevail. 


16. No Waiver

The failure of Great Eastern to enforce any right or provision in the Terms of Use shall not constitute a waiver of such right or provision.


17. Severability

If any provision of the Terms of Use is held to be invalid or unenforceable, such provision shall be ineffective to the extent of such unenforceability or invalidity, without affecting the remaining provisions hereof.


18. Governing Law and Jurisdiction

The above Terms of Use shall be governed and construed in all respects in accordance with the laws of Malaysia. You and Great Eastern agree to submit to the exclusive jurisdiction of the Malaysia courts.


19. Contact Information

19.1 You may contact us at:


Customer Service
Menara Great Eastern,
303 Jalan Ampang
50450 Kuala Lumpur


19.2 Any notice that we intend to give to you may be carried out by posting the relevant notice on this platform and/or by sending any such notice to any contact information you may have provided to us. You are deemed to have received notice of the same upon us posting the relevant notice on this platform and/or by sending any such notice to any contact information you may have provided us with.


20. About us 

We are known as Great Eastern Life Assurance (Malaysia) Berhad. Our email address is as shown in the Application. Our country of domicile is Malaysia. You can contact our customer service at the aforementioned email address.


21. Definitions

Unless the context otherwise requires, the following words shall have the following meanings:

“Account” means your account registered with the Application.

“Content” or “Contents” means any data and/or information that is available, accessible or stored in this Platform in an electronic form, including, without limitation, any information, advertisements, documents, text, files, images, sounds, moving images and videos.

“Basic” means a user who has signed up for an UPGREAT account

“Main” means a user who has signed up for an UPGREAT account and has verified themselves as a Great Eastern’s Policyholder

 “Services” means any of the Internet-based, mobile based, interactive information services, software, content, or interactive tools that may be provided by Great Eastern.


22. Withdrawal of Marketing Consent

If you wish to withdraw your consent for receiving updates and rewards from Great Eastern about its products and services, please complete the Request for Change-Personal Data Consent form available at

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Great Eastern Holdings Ltd | Great Eastern Life Assurance Co Ltd | Great Eastern General Insurance Ltd
Great Eastern Holdings Ltd | Great Eastern Life Assurance Co Ltd | Great Eastern General Insurance Ltd