At Great Eastern, we are committed to continuously improve our customer services, as you are at the heart of all we do. We have helped to make it easy for millions of Malaysian to enjoy lifestyle security and achieve greater financial freedom. We believe in building lifelong relationships by consistently providing deliberate & differentiated customer experience and caring for the community through our corporate responsibility programs. Customer Service Charter below is supported by four pillars:

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Pillar 1: Insurance Made Accessible

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Pillar 2: Know Your Customer

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Pillar 3: Timely, Transparent and Efficient Service

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Pillar 4: Fair, Timely & Transparent Claims Settlement Process

• Deliver better engagement and improved services with our active engagement model wherein the customer is aware of multi-channel accessibility for purchase, enquiry, feedbacks, suggestions and to complain.
  
• Build the trust by knowing our customers’ needs by obtaining requisite information and documents in order to offer suitable products and services.
• Uphold customer satisfaction by delivering a seamless service wherein customers are aware of our product benefits, Insurers responsibilities, the expected service standards and our turnaround time.
• Ensure provide peace of mind to customers during claims processing and settlement.
  

OUR COMMITMENT TO PROVIDE EASY ACCESSIBLILITY

At Great Eastern General Insurance, we provide the convenience of direct after-sales servicing via the following touch points:

Customer Service Centre

• Head Office:
  Level 18, Menara Great Eastern,
  303 Jalan Ampang
  50450 Kuala Lumpur
  
  
• Branches

Customer Service Hotline

Claims Service Hotline 

OUR COMMITMENT TO FEEDBACKS AND COMPLAINTS

We welcome and encourage all feedbacks and complaints as opportunities to understand the insurance needs of individuals and business better.

You may address all feedbacks, concerns or complaints by contacting or write to:

Complaints Handling Unit

OUR COMMITMENT TO KNOW OUR CUSTOMER                   

RELIABLE AND QUALITY SERVICES

We are committed at all times towards providing reliable and quality services to our customers, agents and business partners. We will ensure that all personnel and staff involved in providing these services have the necessary expertise, training and skills. We will endeavor to offer services that are tailored to your needs. We will achieve this by fully understanding your goals and objectives while ensuring service standards that are consistent and efficient.

UNDERSTANDING CUSTOMERS” NEEDS

In order to understand the customers’ profile adequately, we as well our agents shall listen attentively to our customers. Acknowledge and properly understand our customers’ needs and preferences. Ask for requisite information and documents to advise our customers accordingly and in accordance with the Industry’s Code of Practice on the Personal Data Protection Act 2010. Always offer options of suitable products and services to meet the customers’ needs and wants.

STATEMENT OF PRIVACY PROTECTION OF DATA GIVEN

We respect every individual's right to privacy. Our business relationship with you is most valuable and is the very basis of our name and reputation. Whether you are our policyholder, agent, registered user or a visitor to the secured area of our Website, we understand the importance you place on the privacy and security of information that personally identifies you. We refer to and treat this information as "personal information". We extend the following privacy policy to you. Information We Collect & How The Information Is Used.

INFORMATION WE COLLECT & HOW THE INFORMATION IS USED

When you sign up for a new policy or register for our services, we ask you for your personal particulars via various modes of communication (e.g. electronic form transmission, hardcopy form filling, etc.) such as your contact details, amongst other information. Whenever we collect this personal information from you, we will make a reference to this policy. We limit the collection and use of personal information to what is necessary to administer our business, to offer the best possible range of financial plans, products and /or to deliver superior service to you.

SECURITY POLICY & FEATURES

We have adopted strict security measures to prevent unauthorized access which could result in the alteration, destruction, theft of data or compromise the confidentiality of our customer, or agent or business partner's data. Our web utilizes commercially proven security hardware and software products in our system, network and application infrastructure. These security products include routers, firewalls, secured operating system, authentication processes, encryption technology, etc. Please note that you play a part in system security as well. Although we exercise every reasonable effort to provide a variety of safe, secure and reliable system, we do not have control over the computer, computer software, systems and other incidentals used by you to access the system and your action to transmit your data over the internet to other website cannot be guaranteed, warranted or represented to be absolutely secured by our company.

SHARING OF INFORMATION

We will not disclose your personal information to others unless we have obtained your prior authorization. We do reserve the right to disclose or report personal information in limited circumstances where we believe in good faith that disclosure is required under any law, regulation, guidelines or directives (whether or not having the force of law), to cooperate with regulators, law enforcement authorities or any authority having jurisdiction over us, or to enforce and protect our rights or property.

To ensure that you benefit from the full range of insurance plans, products and/or services as well as other opportunities, we may from time to time share your personal information with our agents, affiliated or member companies within our Group and/or other business partners. In such circumstances, we protect that personal information with a confidentiality agreement and these entities must conform to our privacy standards so that confidentiality of the information is always upheld.

OUR COMMITMENT TO SERVICE STANDARDS

Counter / Branches :-

• Customer Waiting Time: Within 10 minutes.
• Where no follow up is required – we will endeavor to provide first touch point resolution immediately.
• Where follow-up is required – we will respond within 5 working days from the date of the first visit.

Call-in Customer :-

• Where no follow up is required – Immediate such as first call resolution.
• Where follow up is required – Within 3 working days from the date of the first call.

Written (Email, Fax, Letter & Social Media) :-

• For Email/Social media;
  • Acknowledgement will be responded within 1 calendar day. 
  • Non-complex enquiry – will be responded within 3 working days from date of receipt.
• For letter or fax ;
  • Enquiries will be replied within 3 working days from the date of receipt on non-complex enquiries.

Note: Where enquiry is complex, we will provide a reasonable timeframe and keep the customer updated accordingly.

OUR COMMITMENT TO POLICY SERVICING

Policy Issuance for New and Existing Customer :-

• Motor
  • E-policy Immediately
  • Manual: 5 working days (with the exception of new vehicles to be registered with JPJ)
• Non-Motor – within 10 working days (applicable for individuals only)

Change of Policy Details / Reissuance Upon Lapse / Endorsement :-

• Motor - within 3 working days
• Non-Motor - within 5 working days

Renewal Notice Issuance :-

• 30 calendar days before expiry of existing policy.

Cancellation/ Surrendering of Policy (Including Refund of Premium):-

• Motor - within 5 working days
• Non-Motor - within 7 working days

OUR COMMITMENT TO FEEDBACKS AND COMPLAINTS

RECORDING OF COMPLAINTS / FEEDBACK

• All complaints / feedbacks received are recorded in the Customer Feedback System and a reference number is allocated to each complaint.

RESPONSE TO COMPLAINTS

• For non-complicated cases, will resolve the issue in an equitable, objective and timely manner by informing the complainants on decision no later than 14 calendar days from the date of the receipt of the complaints.
• For complicated cases, we shall inform the complainant accordingly and update progress every 14 calendar days.  If not resolved, to update within another 14 calendar days.  Thereafter, after every 30 calendar days.
• Complaints via e-mail or fax will be lodged on the same day with the Complaints Unit for acknowledgement by the Complaints Unit. We will respond to the customer on such complaints between 2 to 14 working days upon receipt of the complaint depending on the case severity.
• If enquiry is complex, we will provide a reasonable timeframe and keep the customer updated accordingly.

EXTERNAL RESOURCES FOR CUSTOMERS' ENQUIRIES / COMPLAINTS

If you are not satisfied with the response or the decision of our Company, you may submit your complaint either to the Ombudsman for Financial Services (OFS) ~formerly known as Financial Mediation Bureau (FMB), within 6 months from the date of our Company's final decision or to Bank Negara Malaysia (BNM).

Should you need further clarifications on the proper avenue to refer your complaint in regards to OFS or BNM, you may contact our Complaint Handling Unit.

The following are the contact details for OFS and BNM.

Ombudsman for Financial Services 
(Formerly known as Financial Mediation Bureau)

Bank Negara Malaysia

Laman Informasi Nasihat dan Khidmat (BNMLINK)

Walk-in Customer Service Centre
Ground Floor, D Block,
Jalan Dato’ Onn,
50480 Kuala Lumpur

Contact Centre (BNMTELELINK)

Bank Negara Malaysia
P.O. Box 10922
50929 Kuala Lumpur

OUR COMMITMENT TO CLAIMS SETTLEMENT

• Customers will be informed on the acknowledgment of their claim within 7 working days from receipt of claims notification.
• Claims Registration will be done within 7days from the date of notification.
• All claims notifications through agents will reach the claims operators within 3 working days, except for crime related claims which will be notified within 24 hours from time of loss.
• If documentation/information is incomplete, customers will be informed within 14 working days from acknowledgement of the claim by the Claims Department.
• We will state key claims procedures and assign timelines to it, (i.e. appointment of adjuster, claims assessment, etc.)
• Customers will be updated on the progress / decision every 14 working days.
• Offer to Insured will be done within 7 days from the date of receipt of the completed documents.
• We will strive to update every 20 working days on the progress for claims related to catastrophe / disaster, e.g. large number of claims.
• Settlement Payments-14days from the date of receipt of the acceptance of offer/ discharge voucher.

RESPONSE TO CLAIMS

• It is our aim to settle justified claims promptly according to your policy benefits and standardized procedures in claims administration. To facilitate your claims, you need to submit sufficient documentation.
• If you are not satisfied with our claim decision, you may submit your appeal in writing to our Customer Service Centre or the nearest branch office.
• If your appeal is declined and you are not satisfied with the decision, you may refer to the Ombudsman for Financial Services (OFS) or Bank Negara Malaysia (BNM) as mentioned earlier.

OUR COMMITMENT OF TREATING  CUSTOMER FAIRLY

Great Eastern General Insurance (Malaysia) Berhad (GEGM) is committed to delivering excellent service that is responsive to the needs of our customers. In an organization with the mission of making life great by providing financial security, and promoting good health and meaningful relationships, fair dealing towards our customers and treating them fairly should feature strongly in the way we do business.

The Chairman, The board and Senior Management are committed to deliver good financial consumer outcomes to our customers. We believe in building long-term and mutually beneficial relationships with our customers. This Charter specifies our commitment to provide the highest standards of fairness in all our dealings with our customers.

To protect the interests and financial well-being of our financial consumers following the 6 Principles as below:

Principle 1:

The Board and Senior Management must set clear expectations on Fair Treatment of Financial Consumer (“FTFC”) and ensure that this is embedded in the FSP’s corporate culture and core values.

• We will set minimum standards on fair business practices in all dealings with our financial consumers. This includes providing financial services or products suitable to our consumers’ financial circumstances and preserving the confidentiality of our financial consumers’ information;
• We will train all our staff to provide quality advice and recommendation to financial consumers.

Principle 2:

FSP must ensure that financial consumers are provided with fair terms in contracts with financial consumers.

• We will ensure that the terms in our contracts or agreements are fair, transparent, and well communicated to financial consumers;
• We will ensure that terms and conditions set out the respective rights, liabilities and obligations clearly and as far as possible in plain language;
• We will ensure that the terms and conditions in contracts or agreements are not altered without prior notification to financial consumers.

Principle 3:

FSP must provide financial consumers with clear, relevant and timely information on financial services and products.

• We will ensure that promotional materials are clear and not misleading (whether by statement or omission) as financial consumers often rely on information in promotional materials when making decisions.
• We will disclose key product features, fees and charges, risks and benefits in a clear and concise manner;
• We will ensure critical terms are brought to financial consumers’ attention and explained to them.
• All information delivered contains financial consumers’ financial information, should be adequately protected.

Principle 4:

FSP must ensure that our staff, representatives and agents exercise due care, skill and diligence when dealing with financial consumers.  

• We will conduct sales, advertising and marketing of our financial services and products with integrity and will not make false or exaggerated claims;
• We will avoid or clearly disclose actual or potential conflicts of interest;
• We will ensure staff remuneration takes into consideration whether key performance indicators relating to fair treatment of financial consumers have been achieved.
• Before appointing representatives and agents to market or sell financial services or products or to recover payment from financial consumers, we shall conduct proper due diligence on the representatives and agents.

Principle 5:

FSP must take reasonable care to ensure the suitability of advice and recommendations provided to financial consumers.

• Our Staff, representatives and agents must ensure that any advice or recommendation on a financial service or product provided to financial consumers have a reasonable basis and are provided in the best interests of financial consumers.     
• We have controls in place to ensure that our staff, representatives and agents preserve the confidentiality of the information disclosed by financial consumers. The information shall only be used for purposes of providing advice on or recommending a financial service or product to the financial consumers.
• Our Staff, representatives and agents shall also highlight to financial consumers that any inaccurate information provided by the financial consumers would affect the suitability of the recommendation or advice.

Principle 6:

FSP must handle financial consumer complaints and claims promptly, fairly and effectively.

• We have proper processes in placed and well-documented procedures for complaints and claims handling, including clearly identified contact points for the proper handling of complaints and claims from financial consumers. The procedures shall be clear, easily understood and readily accessible by financial consumers.
• We will create an environment where complaints are seen as valuable feedback to help improve business performance and help staff recognise the importance of resolving complaints and handling claims in a fair and effective manner.
• We shall ensure that there are effective and timely communications with the complainants or claimants throughout the complaints and claims handling process.
• We will inform financial consumers of the availability of the Ombudsman for Financial Services, should the financial consumer decide to continue pursuing a case which the FSP considers as either resolved or closed.

By interacting with Great Eastern General Insurance (Malaysia) Berhad (“Company”), submitting information to the Company, enrolling or signing up for any products or services offered by the Company, you are providing personal information to the Company.

“Personal information” means any information which relates to you and which has been provided by you to the Company, including but not limited to your name, bio-data or personal profile, National Registration Identity Card number, passport number, address, telephone number, email address, images, your personal preferences, particulars of any third party insured person or beneficiary, and financial and banking account information and any information which may identify you, any insured person, assignee, trustee or beneficiary, that has been or may be collected, stored, used and processed by the Company from time to time. The term “personal information” also includes sensitive personal data which means any personal data consisting of information as to physical or mental health or condition, political opinions, religious beliefs or other beliefs of a similar nature, the commission or alleged commission of any offence.

If you provide us with any personal information relating to a third party, including where you have named them as an insured person, assignee, trustee or beneficiary, or where you refer a third party to us for the purposes of us offering our products and/or services to that third party, by submitting such information to us, you represent to us that you have obtained the consent of the third party to you providing us with their personal information for the purposes set out herein. References to “your personal information” shall include the personal information of third parties provided by you.

Your personal information may be used, recorded, stored, archived, disclosed or otherwise processed by or on behalf of the Company (and its successors in title) for the following purposes:

1. to carry on insurance business, as may be applicable and to carry out any activity or duty as an insurer, including but not limited to any operational or internal management purposes;
   
   
2. to assess or process any proposals or applications made for any of the Company’s products and services, including any future underwriting;
   
   
3. any claim or investigation or analysis of such claim, including to ascertain your claims history in order to improve claims processing and prevent fraudulent claims, including any future claims assessment;
   
   
4. to manage and service the Company’s relationship with you and to provide you with improved customer service;
   
   
5. to match and update any personal information held by the Company and the Great Eastern group of companies (“Great Eastern”) relating to you from time to time (for more information on Great Eastern, log on to greateasterngeneral.com);
   
   
6. to offer and/or process any alterations, variations, cancellation or renewal of products or services by the Company or by Great Eastern;
   
   
7. direct marketing and general marketing of insurance and takaful products and services of the Company and Great Eastern, and of third party products, that may be of interest to you. Please be assured that marketing information in respect of third party products and services will only be sent to you if you have expressly consented to the same;
   
   
8. research and audit including but not limited to historical and statistical purposes;
   
   
9. to exercise any right of subrogation or recovery;
   
   
10. to prevent, investigate, or report any actual or suspected money laundering, terrorist financing, bribery, corruption, actual or suspected fraud including but not limited to insurance fraud, evasion of tax or of economic or trade sanctions, and other criminal or unlawful activities;
    
    
11. for reinsurance;
    
    
12. for litigation or potential litigation; and
    
    
13. if required by law or in good faith, if such action is necessary:
    
    
    • to comply with any law enforcement, court orders or legal process, and/or
      
      
    • to protect and defend the rights or property of the Company and Great Eastern (for information, log on to greateasterngeneral.com).

The Company may also collect and/or verify your personal information from third parties, such as a policyholder who has taken up a policy on you or for your benefit, agents, brokers, business partners and third parties from whom you have been referred to the Company, or third parties from whom we seek or receive information on you in connection with your policy, policy applications, or claims, for example, from any of the Great Eastern group of companies, other insurers or takaful providers, insurance associations and takaful associations, hospitals, clinics, motor workshops and the relevant authorities.

The Company may retain your personal information for such time as deemed to be necessary for the purpose of fulfilling any operational, audit, investigation, legal, regulatory, tax or accounting requirements, including but not limited to any potential litigation and future underwriting and claims assessment purposes.

The information that you have provided to the Company is necessary. If you do not provide the Company with such information, the Company may not be able to provide you with insurance or to respond to any claim.

The Company may disclose and/or provide your personal information to the following parties (within and outside Malaysia) for the purposes stated above:

1. the authorised representatives of the Company;
   
   
2. in relation to third party policies, the policy owner;
   
   
3. in relation to group policies, the policyholder and/or its brokers;
   
   
4. third party service providers (who provide administrative, telecommunications, computer, payment, data processing or storage, or other services to the Company in connection with the operation of our business) to fulfill the Company’s obligations to you;
   
   
5. banks and financial institutions;
   
   
6. insurers or takaful providers, fraud detection and prevention services, reinsurance companies, insurance associations or takaful associations and insurance industry regulatory authorities;
   
   
7. any credit reference agencies or, in the event of default, any debt collection agencies;
   
   
8. any insurance rating organisations that collect information about credit history, accident fault, injury description and amounts paid and share it with other insurance companies or takaful providers and others entitled to see it;
   
   
9. any person, who is under a duty of confidentiality and has undertaken to keep such data confidential, which the Company has engaged to fulfil its obligations to you;
   
   
10. any actual or proposed assignee, transferee, participant or sub-participant of the Company’s rights or business;
    
    
11. any person to whom the Company is under an obligation to make disclosure under the requirements of any law, rules, regulations, codes of practice or guidelines binding on the Company including, without limitation, any applicable regulators, governmental bodies, or insurance associations, and where otherwise required by law;
    
    
12. other companies in Great Eastern, and the Company’s affiliates; and
    
    
13. any business or strategic partners.

You may access certain personal information held by the Company based on the applicable data protection laws of Malaysia.

You may access your personal information at any time by calling Customer Service Care or visiting our Customer Portal. If you have any inquiries such as limiting the processing of certain information, including the withdrawal of consent to receive marketing information, you may contact our Customer Service Care, or write to the Company.

If you have any complaints in respect of your personal information, you may contact our Privacy Officer.

For more information on how the Company deals with your personal information, please log on to our website and read the Client Charter and Privacy Policy, as set out below:
 

The Company may charge a reasonable fee for access. If you can show that the personal information held by the Company is not accurate, complete and up to date, the Company will take reasonable steps to ensure it is accurate, complete and up to date upon receiving your verification or feedback.

The Company may review and update this Personal Data Protection Notice from time to time to reflect changes in the law, changes in the business practices, procedures and structure of our Company and Great Eastern, and changes in the community's privacy expectations. It is not generally feasible to notify you of changes to this Personal Data Protection Notice and as such, you can log on to our website to obtain the latest version of the Personal Data Protection Notice at any time.

By interacting with the Company, submitting information to the Company, enrolling or signing up for any products or services offered by the Company, you consent (and where required, explicitly consent) to such use of your personal information including sensitive personal data, in the manner set out in this notice. Such consent and authorisation herein shall extend to any information obtained from any of the insurance policy(ies) presently provided to you, any new application to the Company for insurance, and claim processing, such historical financial or credit records, data or information whether or not provided personally.

Apabila berurusan dengan Great Eastern General Insurance (Malaysia) Berhad (“Syarikat”), dengan mengemukakan maklumat kepada Syarikat, menyertai atau mendaftar untuk sebarang produk atau perkhidmatan yang ditawarkan Syarikat, anda telah memberi maklumat peribadi kepada Syarikat.

"Maklumat peribadi" bermaksud sebarang maklumat yang berkaitan dengan anda dan anda telah beri kepada Syarikat, yang termasuk tetapi tidak terhad kepada nama anda, biodata atau maklumat peribadi, nombor Kad Pengenalan, nombor pasport, alamat, nombor telefon, alamat e-mel, gambar, kegemaran peribadi, maklumat berkenaan hayat yang diasuranskan pihak ketiga atau benefisiari, dan maklumat kewangan dan akaun perbankan serta sebarang maklumat yang boleh mengenal pasti anda, mana-mana hayat yang diasuranskan, pemegang amanah atau benefisiari, pemegang serah hak yang telah atau mungkin dikumpulkan, disimpan, digunakan dan diproses oleh Syarikat dari semasa ke semasa. Istilah "maklumat peribadi" juga merangkumi data peribadi sensitif yang bermaksud sebarang data peribadi yang mengandungi maklumat berkenaan kesihatan atau keadaan fizikal atau mental anda, pendapat politik, kepercayaan agama atau kepercayaan lain yang bersifat seumpamanya, pelakuan atau pengataan pelakuan untuk sebarang kesalahan.

Sekiranya anda memberikan kami maklumat peribadi yang berkaitan dengan pihak ketiga, termasuklah apabila anda telah menamakan mereka sebagai hayat yang diasuranskan, pemegang amanah atau benefisiari, atau pemegang serah hak atau apabila anda merujuk pihak ketiga kepada kami bagi tujuan menawarkan produk dan/atau perkhidmatan kami kepada pihak ketiga tersebut, dengan mengemukakan maklumat sedemikian kepada kami, anda telah menyatakan kepada kami bahawa anda telah memperoleh persetujuan daripada pihak ketiga berkenaan bahawa anda akan memberikan kami maklumat peribadi mereka bagi tujuan yang dinyatakan di sini. Rujukan bagi "maklumat peribadi anda" hendaklah merangkumi maklumat peribadi pihak ketiga yang telah anda berikan.

Maklumat peribadi anda mungkin digunakan, direkodkan, disimpan, diletakkan dalam arkib, didedahkan mahupun diproses sebaliknya oleh Syarikat atau bagi pihak Syarikat (dan penggantinya) bagi tujuan berikut:

1. untuk meneruskan perniagaan insurans, seperti yang mungkin berkenaan dan untuk menjalankan sebarang aktiviti atau kewajipan sebagai penanggung insurans, termasuk tetapi tidak terhad pada sebarang tujuan operasi dan pengurusan dalaman;
   
   
2. untuk menilai atau memproses sebarang cadangan atau aplikasi yang dibuat untuk mana-mana produk dan perkhidmatan Syarikat, termasuk sebarang pengunderaitan pada masa hadapan;
   
   
3. sebarang tuntutan atau penyiasatan atau analisis bagi tuntutan tersebut, termasuklah memastikan sejarah tuntutan anda bagi memperbaiki proses tuntutan dan mencegah tuntutan palsu, termasuk sebarang penilaian tuntutan pada masa hadapan;
   
   
4. untuk menguruskan dan memberi perkhidmatan atas hubungan Syarikat dengan anda disamping memberi perkhidmatan pelanggan yang dipertingkatkan;
   
   
5. untuk memadankan dan mengemaskini sebarang maklumat peribadi yang dipegang oleh Syarikat dan syarikat-syarikat dalam kumpulan Syarikat Great Eastern (“Great Eastern”) yang berkaitan dengan anda dari semasa ke semasa (untuk maklumat lanjut, sila layari greateasterngeneral.com);
   
   
6. untuk menawarkan dan/atau memproses sebarang pindaan, perubahan, pembatalan atau pembaharuan sebarang produk atau perkhidmatan oleh Syarikat atau Great Eastern;
   
   
7. pemasaran langsung dan pemasaran am bagi produk insurans dan takaful serta perkhidmatan Syarikat dan Great Eastern, dan produk pihak ketiga, yang mungkin menarik minat anda. Sila pastikan bahawa maklumat pemasaran berkenaan dengan produk dan perkhidmatan daripada pihak ketiga hanya akan dihantar kepada anda hanya jika anda telah memberi kebenaran dengan jelas untuk perkara tersebut;
   
   
8. penyelidikan dan audit termasuk tetapi tidak terhad bagi tujuan sejarah dan statistik;
   
   
9. untuk menjalankan sebarang hak subrogasi atau tuntutan pemulihan;
   
   
10. untuk mencegah, menyiasat, atau melaporkan sebarang pengubahan wang haram yang berlaku atau yang disyaki berlaku, pembiayaan pengganas, rasuah, sogokan, penipuan yang berlaku atau yang disyaki berlaku termasuk tetapi tidak terhad pada penipuan insurans, pengelakan cukai atau sekatan ekonomi atau perdagangan, dan jenayah lain atau aktiviti lain yang menyalahi undang-undang;
    
    
11. untuk insurans semula;
    
    
12. untuk tindakan guaman atau potensi untuk tindakan guaman; dan
    
    
13. jika dikehendaki dari segi undang-undang atau dengan niat baik, sekiranya tindakan tersebut diperlukan:
    
    
    • untuk mematuhi sebarang penguatkuasaan undang-undang, perintah mahkamah atau proses undang-undang, dan / atau
      
      
    • untuk melindungi dan membela hak atau harta Syarikat dan Great Eastern (untuk maklumat lanjut, sila layari greateasterngeneral.com).

Syarikat mungkin mengumpul dan/atau mengesahkan maklumat peribadi anda daripada pihak ketiga, seperti seseorang pemegang polisi yang mempunyai polisi ke atas diri anda atau untuk faedah anda, ejen, broker, rakan niaga dan pihak ketiga yang anda telah dirujuk kepada pihak Syarikat atau pihak ketiga yang telah kami dapat atau terima maklumat berkenaan anda berkaitan dengan polisi, permohonan polisi atau tuntutan anda, contohnya, dari mana-mana kumpulan syarikat Great Eastern, penanggung insurans atau pengendali takaful lain, persatuan insurans dan takaful, hospital, klinik, bengkel kereta serta pihak berkuasa yang berkaitan.

Syarikat mungkin menyimpan maklumat peribadi anda untuk tempoh masa yang dianggap perlu bagi tujuan memenuhi sebarang keperluan operasi, audit, penyiasatan, undang-undang, pengawalseliaan, cukai atau perakaunan, termasuk tetapi tidak terhad bagi sebarang potensi tindakan guaman, dan tuntutan pengunderaitan serta penilaian tuntutan pada masa hadapan.

Maklumat yang anda beri kepada Syarikat adalah penting. Jika anda tidak memberi maklumat tersebut kepada Syarikat, Syarikat mungkin tidak dapat memberikan perlindungan insurans kepada anda atau memberi maklum balas ke atas sebarang tuntutan.

Syarikat mungkin mendedahkan dan/atau memberi maklumat peribadi anda kepada pihak-pihak berikut (sama ada di dalam dan di luar Malaysia) bagi tujuan yang dinyatakan di atas:

1. wakil yang dibenarkan oleh Syarikat;
   
   
2. bagi polisi pihak ketiga, pemilik polisi;
   
   
3. bagi polisi berkelompok, pemegang polisi dan/atau brokernya;
   
   
4. penyedia perkhidmatan pihak ketiga (yang menjalankan pentadbiran, telekomunikasi, komputer, pembayaran, pemprosesan atau penyimpanan data, atau perkhidmatan lain untuk Syarikat serta berkaitan dengan operasi perniagaan kami) bagi memenuhi tanggungjawab Syarikat kepada anda;
   
   
5. bank dan institusi kewangan;
   
   
6. penanggung insurans atau pengendali takaful, perkhidmatan pengesanan dan pencegahan penipuan insurans, syarikat insurans semula, persatuan insurans atau takaful dan pihak berkuasa bagi pengawalan industri insurans;
   
   
7. sebarang agensi rujukan kredit atau jika gagal membuat bayaran, sebarang agensi pengutipan hutang;
   
   
8. sebarang organisasi perkadaran insurans yang mengumpul maklumat berkenaan sejarah kredit, punca kemalangan, huraian kecederaan dan amaun yang dibayar serta berkongsi maklumat dengan syarikat insurans atau pengendali takaful serta pihak lain yang layak melihatnya;
   
   
9. mana-mana individu yang berperanan untuk menjaga kerahsiaan dan telah memberi akujanji untuk menyimpan data sulit tersebut, yang dilantik Syarikat untuk memenuhi tanggungjawabnya kepada anda;
   
   
10. mana-mana penerima serak hak atau penerima serah hak yang dicadangkan, penerima pindahan, peserta atau peserta sebahagian bagi hak atau perniagaan Syarikat;
    
    
11. mana-mana individu yang mana Syarikat bertanggungjawab membuat pendedahan mengikut keperluan sebarang undang-undang, aturan, peraturan, kod amalan atau garis panduan yang mengikat ke atas Syarikat, termasuk dan tidak terhad kepada mana-mana badan pengawalan, badan kerajaan, atau persatuan insurans dan selainnya apabila diperlukan undang-undang; dan
    
    
12. syarikat-syarikat lain yang bernaung di bawah Great Eastern dan rakan-rakan sekutu Syarikat; dan
    
    
13. mana-mana rakan kongsi perniagaan atau strategik.

Anda boleh mengakses maklumat peribadi tertentu yang dipegang oleh Syarikat berdasarkan undang-undang perlindungan data yang berkaitan di Malaysia.

Anda boleh mengakses maklumat peribadi anda pada bila-bila masa dengan menghubungi Pusat Perkhidmatan Pelanggan “Customer Service Care” atau melayari Portal Pelanggan kami. Sekiranya anda mempunyai sebarang pertanyaan seperti menghadkan pemprosessan sesetengah maklumat, termasuk membatalkan kebenaran untuk menerima maklumat pemasaran, anda boleh menghubungi Pusat Perkhidmatan Pelanggan kami, atau menulis kepada Syarikat.

Jika anda mempunyai sebarang aduan berkenaan maklumat peribadi anda, anda boleh menghubungi Pegawai Privasi kami.

Untuk keterangan lanjut bagaimana Syarikat menggunakan maklumat peribadi anda, sila layari laman sesawang kami dan baca Piagam Pelanggan Syarikat dan Dasar Polisi Privasi seperti yang dinyatakan dibawah:

Syarikat mungkin mengenakan bayaran yang berpatutan untuk pemberian akses. Jika anda mendapati bahawa maklumat peribadi yang dipegang oleh Syarikat adalah tidak tepat, tidak lengkap dan tidak dikemaskini, Syarikat akan mengambil langkah yang sewajarnya untuk memastikan maklumat adalah tepat, lengkap dan dikemas kini setelah menerima pengesahan atau maklum balas daripada anda.

Syarikat boleh menyemak semula dan mengemaskinikan Notis Perlindungan Data Peribadi ini dari semasa ke semasa mengikut pindaan undang-undang, pindaan amalan perniagaan, prosedur dan struktur Syarikat serta Great Eastern, dan pindaan mengikut tahap jangkaan privasi oleh masyarakat. Secara amnya, kami mungkin tidak dapat memaklumkan anda bagi setiap perubahan ke atas Notis Perlindungan Data ini, oleh itu, anda boleh melayari laman sesawang kami untuk mendapatkan versi terbaharu Notis Perlindungan Data Peribadi pada bila-bila masa.

Dengan berurusan dengan Syarikat, serta dengan mengemukakan maklumat kepada Syarikat, mendaftarkan atau pendaftaran bagi sebarang produk atau perkhidmatan yang ditawarkan Syarikat, anda telah bersetuju (dan jika diperlukan, bersetuju dengan jelas) ke atas penggunaan maklumat peribadi anda termasuklah data peribadi sensitif, mengikut cara yang dinyatakan dalam notis ini. Persetujuan dan kebenaran tersebut yang dinyatakan di dalam ini akan dilanjutkan bagi mana-mana maklumat yang diperoleh daripada mana-mana polisi insurans yang diberi kepada anda, sebarang permohonan baharu kepada Syarikat untuk insurans, dan pemprosesan tuntutan, seperti sejarah maklumat kewangan atau rekod kredit, data atau maklumat sama ada atau tidak diberikan secara peribadi.

These terms and conditions cover unregistered users, 21 day challenge and wellness profiling.

PLEASE READ THIS TERMS AND CONDITIONS CAREFULLY. BY ACCESSING AND USING THIS WEBSITE AND/OR SERVICE, YOU WILL BE CONCLUSIVELY PRESUMED TO HAVE NOTICE OF AND HAVE AGREED TO BE BOUND BY THE MOST RECENT TERMS AND CONDITIONS AS MODIFIED FROM TIME TO TIME. IF YOU DO NOT AGREE TO BE BOUND BY THIS TERMS AND CONDITIONS, YOU MUST IMMEDIATELY DISCONTINUE YOUR ACCESS TO AND USE OF THIS WEBSITE AND/OR SERVICE.

1. Intellectual Property
   1.1. Except as otherwise expressly stated herein, the information and materials located or hosted on, or linked to, this Website and/or Service ("Contents") are protected by copyright, trademark and other forms of intellectual property or proprietary rights. Such Contents include but are not limited to trademarks, trade names, service marks, product marks, logos, insignias, devices, illustrations, images, graphics, designs, text, sound recordings, downloadable files or links are the property of Great Eastern Life Assurance (Malaysia) Berhad ("Great Eastern") and/or Great Eastern Holdings Limited and/or its subsidiaries and/or the subsidiaries of Great Eastern Holdings Limited (hereinafter collectively referred to as "Great Eastern Group") and/or the respective third party proprietors.

   1.2 You may not reproduce, transmit, publish, perform, broadcast, store, modify, adapt, alter, translate, distribute, disseminate, display, creative derivative works of, decompile, reverse-engineer, disassemble, license, sell, rent, lease hyperlink or otherwise transfer any of the Contents in whole or in part in any manner without the prior written consent of Great Eastern Group and/or the respective third party proprietors.

   All trademarks, trade names, service marks, product marks, logos, insignias and devices used in this Service are the property of Great Eastern Group and/or the respective third party proprietors identified in this Service. No licence or right is granted and your access to and use of this Service should not be construed as granting, by implication, estoppel or otherwise, any license or right to use (include use as a hyperlink) any trademarks, service marks, product marks, logos, insignias and devices appearing on the Service without the prior written consent of Great Eastern Group or the relevant third party proprietor thereof.

2. Access and Use of This Website and/or Service
   2.1 You may access and view the Contents and may save an electronic copy or print out a copy of the Contents, solely for your own personal and non-commercial use. All copies that you make must be in the form as presented on this Service and must include all applicable copyright and other notices on this Service.
   
   2.2 You acknowledge and agree that, as a condition of your access and use of this Website and/or Service, you will not use the Contents of this Website and/or Service, or this Website and/or Service, for any purpose that is unlawful or prohibited by this Terms and Conditions. You may not use this Website and/or Service in any manner that could damage, disable, overburden or impair any Great Eastern Group server, or the networks connected to any Great Eastern Group server, or interfere with any other party’s access and use of this Website and/or Service. You may not attempt to gain unauthorised access to this Website and/or Service through hacking, password mining or any other means. You may not obtain, or attempt to obtain, any Contents through any means not intentionally made available on or through this Website and/or Service.
   
   
3. Links
   3.1. Unless otherwise stated, you may not link (including, but not limited to, hyperlink, in-line link or deep-link) (hereinafter collectively referred to as “Link”), mirror or frame this Website and/or Service or any part thereof to any other content. Except with our prior written permission, no trademark, trade name, service mark, product name, logo, insignia or device may be used as a Link or to mark any Link to this Website and/or Service or any part thereof.

   3.2. You may not Link, mirror or frame this Website and/or Service or any part thereof to any content which contains materials or information which is inappropriate, profane, defamatory, infringing, obscene, indecent, vulgar, harassing, privacy invading, abusive, threatening, harmful, tortious, objectionable, unlawful or violates any applicable intellectual property or proprietary rights.

   3.3 Notwithstanding anything to the contrary herein, Great Eastern Group reserves all rights to terminate any Link to this Website and/or Service for any reason. Upon our instructions, you must disable, remove and terminate any Link to this Website and/or Service or any part thereof immediately.

   3.4 For your convenience, Great Eastern Group may include Links to contents that are owned or operated by third parties. Great Eastern Group has not developed or reviewed, and is not responsible for the contents of or the consequences of accessing the Linked contents. We make no guarantee, representation or warranty as to, and have no liability for, any content at those websites, including, but not limited to, guarantees, representations and warranties regarding the truth, adequacy, originality, accuracy, timeliness, completeness, reasonableness, non- infringement, suitability, satisfactory quality, merchantability or fitness for any particular purpose or any representations or warranties arising from usage, custom or trade or by operation of law, of those content.

   3.5 In no circumstances will Great Eastern Group be considered to be associated or affiliated in whatever manner with any trademarks, trade names, service marks, logos, insignia or other devices used or appearing on contents that are Linked to this Website and/or Service or any part thereof. The Links provided in this Website and/or Service shall not be considered or construed as an endorsement or verification of such Linked contents therein by Great Eastern Group.

   3.6 Linked contents are not under the control of Great Eastern Group and Great Eastern Group cannot accept responsibility for the contents of or the consequences of accessing any content that Links, mirrors or frames this Website and/or Service or any part thereof or any link contained in a Linked content or any Links provided on this Website and/or Service. You agree that your access to and use of such Linked contents is entirely at your own risk and subject to the terms and conditions of access and use contained therein.

4. Disclaimer
   4.1 The Contents are of a general nature which have not been verified, considered or assessed by any member of Great Eastern Group. Such Contents are provided for general information only and you should seek professional advice at all times and obtain independent verification of the Contents contained herein before making any decision based on any such information or materials. The Contents are not intended to replace professional medical care or attention by a qualified practitioner. The Contents in the Website and/or Service cannot and should not be used as a basis for diagnosis or choice of treatment. The Contents are not exhaustive, and the Website and/or Service may not reflect the most recent research in all areas of medicine. Contents on the Website and/or Service presents the more commonly found aspects of medical conditions which are likely to be of general interest, and for editorial reasons may not include certain substantive and commonly found phenomena. Your use of the Contents is at your own risk.

   4.2 Great Eastern Group strongly advises all users with health problems to consult a doctor, who will be trained in observation and interpretation of symptoms and will be able to provide a proper diagnosis based on a knowledge and understanding of all aspects of your condition and your medical history. Some of the Contents available on the Website and/or Service are provided by third parties and Great Eastern Group is not in a position to verify such Content provided by third parties.

   4.3 Great Eastern Group does not guarantee, represent or warrant that this Website and/or Service is free of malicious software, including, but not limited to, viruses, malicious code, computer worms, Trojan horses, spyware or other harmful components (“Malicious Software”). Great Eastern Group accepts no liability for any loss, damage, claim, liability, expense or costs that may result from any transmission of such Malicious Software via this Website and/or Service (including, but not limited to, files downloaded from this Service).

   4.4 The Contents are provided on an “as is” and “as available” basis without warranties of any kind. Great Eastern Group make no guarantee, representation or warranty as to, and have no liability for, any Content, including, but not limited to, guarantees, representations and warranties of any kind, implied, express or statutory regarding the truth, adequacy, originality, accuracy, timeliness, completeness, reasonableness, freedom from computer virus and other Malicious Software, non-infringement, suitability, satisfactory quality, merchantability or fitness for any particular purpose or any representations or warranties arising from usage, custom or trade or by operation of law and Great Eastern Group expressly disclaims liability for any errors in, or omissions from, such Contents.

   4.5 Under no circumstances shall Great Eastern Group be liable regardless of the form of action for any failure of performance, system, server or connection failure, error, omission, interruption, breach of security, corruption, delay in operation or transmission, transmission error or unavailability of access in connection with your access and use of this Website and/or Service even if Great Eastern Group had been advised as to the possibility.

   4.6 In no event shall Great Eastern Group be liable to you or any other party for any damages, losses, claim, liability, expenses or costs (including legal costs) whatsoever or howsoever (including without limitation, any direct, indirect, special, punitive, incidental or consequential damages, loss of profits or loss opportunity) arising in connection with:

   1. your access and use of this Website and/or Service;
   2. reliance on any Contents provided at this Service and/or Website, regardless of the form of action and even if Great Eastern Group had been advised as to the possibility of such damages;
   3. any loss, theft or unauthorised use of your Username and/or password(if any); and/or
   4. any disclosure of any particulars or information to third parties arising as a result of your negligence or failure to keep Username and/or password (if any) confidential.

   4.7 Nothing in this Agreement excludes the liability of either Party in respect of:

   1. death or personal injury caused by its negligence; and
   2. liability which may not otherwise be limited or excluded under applicable law.

   4.8 You hereby agree that any information provided by you on this Website and/or through this Service is on a voluntary basis and is only for the purpose of this Website and/or Service. You also agree that the information provided by you on this Website and/or through this Service does not constitute disclosure of information for the purposes of an insurance policy contract between Great Eastern and you. Notwithstanding the information provided by you on this Website and/or through this Service you are still obliged to disclose all relevant and material information in any proposal form for the purchase of an insurance policy sold by Great Eastern.

   4.9 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 web properties, communication channels and social media (e.g. our Facebook pages), is provided by way of information only. It is not and does not purport to be, or it is not a substitute for, nor does it replace, medical or other professional advice, or treatment of health conditions. Whilst we, Great Eastern (including its parent, subsidiaries and affiliates), 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. Any third party links provided by us on any of our web properties, communication channels and social media (e.g. our Facebook pages) 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. 
   
   Please also note that there are all sorts of workout and exercise; some are rigorous whereas some are slow-paced. As each workout or exercise is of different intensity, it is important to try the workout according to your fitness level. If you are unsure about proceeding with the suggested workouts, please consult your physician or other healthcare professional before beginning or changing any fitness program to make sure that it is appropriate for your needs, especially if you are pregnant or have a history of any of the following:

   • High blood pressure (you or your family)
   • Heart disease (you or your family)
   • Chest pain when exercising
   • Chest pain in the past month when not engaged in physical activity
   • Smoking
   • Have high cholesterol
   • Obesity
   • Bone or joint problem that could be made worse by a change in physical activity

   In addition, if you ever start to feel unwell or have discomfort or experience faintness, dizziness, pain or shortness of breath 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 web properties, communication channels and social media (e.g. our Facebook pages). 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. Therefore, the use of any information provided by us is solely at your own risk. 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 web properties, communication channels and social media (e.g. our Facebook pages).

5. Indemnity
   You hereby agree to indemnify and save Great Eastern Group harmless against all damages, losses, claims, liability, expenses and costs (including legal costs) whatsoever or howsoever suffered or incurred by Great Eastern Group in connection with or arising from (1) your access and use of this Website and/or Service, or (2) any other party’s access and use of this Website and/or Service using your username and/or login password (if any), or (3) your breach of any of this Terms and Conditions, or (4) any other party’s breach of any of this Terms and Conditions where such party was able to access and use this Website and/or Service by using your username and/or login password (if any).
   
   
6. Written Notice for Collection and Use of personal information/Notis bertulis untuk pengumpulan dan pendedahan maklumat peribadi
   6.1 Great Eastern is collecting your personal information to enable you to use the Website and/or Service. You may at any time access your personal information and correct your personal information by using the Website and/or Service. You can make a complaint in relation to your personal information by contacting Great Eastern at tel: 03-48133738 or writing to:

   Great Eastern Life Assurance (Malaysia) Berhad
   Complaints Handling Unit
   Menara Great Eastern
   303 Jalan Ampang
   50450 Kuala Lumpur
   Fax: 03-4259 8397
   E-mail: feedback@greateasternlife.com

   The personal information which you have provided [which we ask you to provide] is necessary in order for us to provide you with the Website and/or Service. If you do not provide us with the information, you will not be able to use the Website and/or Service. Great Eastern will not disclose your personal information to any third party before obtaining your consent.
   
   6.2 Great Eastern mengumpul maklumat peribadi anda untuk membolehkan anda menggunakan Perkhidmatan tersebut. Anda pada bila-bila masa boleh mengakses maklumat peribadi anda dan membetulkan maklumat peribadi anda dengan menggunakan Perkhidmatan tersebut. Anda boleh membuat aduan berhubung dengan maklumat peribadi anda dengan menghubungi Great Eastern di talian: 03-48133738 atau bertulis kepada:
   
   Great Eastern Life Assurance (Malaysia) Berhad
   Unit Pengendalian Aduan
   Menara Great Eastern
   303 Jalan Ampang
   50450 Kuala Lumpur
   Fax: 03-4259 8397
   E-mail: feedback@greateasternlife.com

   Maklumat peribadi yang anda berikan [yang kami meminta anda untuk menyediakan] adalah diperlukan bagi kami untuk menyediakan anda dengan Perkhidmatan tersebut. Jika anda tidak menyediakan kami dengan maklumat, anda tidak akan dapat menggunakan Perkhidmatan tersebut. Great Eastern tidak akan mendedahkan maklumat peribadi anda kepada mana-mana pihak ketiga sebelum mendapat persetujuan anda.

7. Miscellaneous
   7.1 The Contents including the Terms of Use herein are subject to change (including, without limitation, modification, deletion or replacement thereof) without notice. By continuing to access and use this Website and/or Service, you will be conclusively presumed to have notice of and have agreed to be bound by the most recent Terms of Use as modified from time to time and available on this website. If you do not agree to be bound by the changes to the Terms of Use, you must immediately discontinue your access and use of this website and Service.

   7.2 This Terms and Conditions constitute the entire agreement between you and us with respect to your access and use of this Website and/or Service and supersede and replace all prior and contemporaneous agreements on the subject, if any.

   7.3 Unless you inform us otherwise, you agree that Great Eastern shall be entitled from time to time to contact you via electronic transmission (including, but not limited to email communication, telex, fax), short messaging services, or via telephone correspondence, and any other means of exchange communication in respect of, but not limited to these Terms of Use, including without limitation, offers, promotional and marketing material. Unless you inform us otherwise, you agree that Great Eastern shall be entitled to send you offers, promotional and marketing materials from time to time.

   7.4 Great Eastern Group may terminate your access and use of this Website and/or Service at any time without notice and without assigning any reason thereof.

8. Governing Law and Jurisdiction
   Nothing herein shall be construed as a representation by Great Eastern Group that the Contents are appropriate or available for use in geographic areas or jurisdictions other than Malaysia. By accessing and using this Website and/or Service, you agree that such access and use, as well as this Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia and you agree to submit to the exclusive jurisdiction of the Malaysia courts.

These terms and conditions cover registered users and Loyalty Card holders

1. Intellectual Property
   1.1.Except as otherwise expressly stated herein, the information and materials located or hosted on, or linked to, this Website and/or Service ("Contents") are protected by copyright, trademark and other forms of intellectual property or proprietary rights. Such Contents include but are not limited to trademarks, trade names, service marks, product marks, logos, insignias, devices, illustrations, images, graphics, designs, text, sound recordings, downloadable files or links are the property of Great Eastern Life Assurance (Malaysia) Berhad ("Great Eastern"), and/or Great Eastern Holdings Limited and/or its subsidiaries and/or the subsidiaries of Great Eastern Holdings Limited (hereinafter collectively referred to as "Great Eastern Group") and/or the respective third party proprietors.

   1.2 You may not reproduce, transmit, publish, perform, broadcast, store, modify, adapt, alter, translate, distribute, disseminate, display, creative derivative works of, decompile, reverse-engineer, disassemble, license, sell, rent, lease hyperlink or otherwise transfer any of the Contents in whole or in part in any manner without the prior written consent of Great Eastern Group and/or the respective third party proprietors.

   1.3 All trademarks, trade names, service marks, product marks, logos, insignias and devices used in this website are the property of Great Eastern Group and/or the respective third party proprietors identified in this website. No licence or right is granted and your access to and use of this Website and/or Service should not be construed as granting, by implication, estoppel or otherwise, any license or right to use (include use as a hyperlink) any trademarks, service marks, product marks, logos, insignias and devices appearing on this website without the prior written consent of Great Eastern Group or the relevant third party proprietor thereof.

2. Access and Use of this Website and/or Service
   2.1 As a user of this Website and/or Services, you are required to and undertake sole responsibility for the submission of true, accurate and complete particulars or information when applying to register your access and use of this Website and/or Service. Great Eastern Group will not be responsible for the consequences of any of the particulars or information being incomplete, inaccurate, garbled or obsolete and Great Eastern Group is entitled to act on such particulars and information notwithstanding the possibility that they may conflict with other particulars or information given by you. In addition, you undertake to promptly notify Great Eastern Group of any changes in the particulars or information provided. You represent, by applying to register on this Website and/or Services that you have the right and capacity to enter into these Terms of Use.

   2.2 Great Eastern Group may at its sole discretion permit your access and use of this Website and/or Service using your user identifier, including without limitation, your registered email address, mobile phone number or personal identification number ("Username") and your password.

   2.3 Great Eastern Group reserves the right to refuse and reject any application to register on this website without assigning a reason for such refusal. Great Eastern Group's acceptance of your application to register on this Website and/or Service is subject to factors such as, the fulfilment of eligibility criteria, the provision of required particulars or information and your agreement to terms and conditions specified by Great Eastern Group.

   2.4 Upon approval of your application, Great Eastern Group will offer you access and use of this Website and/or Service. You shall not be entitled to dispute any activity carried out via this Website and/or through this Service under your Username and password. Great Eastern Group is entitled to, but not obliged to, rely on all instructions and activity carried out under your Username and password.

   2.5 You hereby undertake to keep your Username and password confidential and that no person other than yourself shall be permitted or shall have access or knowledge of your Username and password. You are required to inform Great Eastern Group if your Username and/or password becomes invalid or ceases to have effect. You undertake to change your password regularly, and not to disclose your password to anyone. If you have reason to suspect that the security and/or confidentiality of your Username and/or password has been compromised, you must change your Username and/or password immediately and notify Great Eastern Group immediately and request a new Username and/or password. To the extent permitted by law, Great Eastern Group shall not be liable in the event that the security and/or confidentiality of your Username and/or password has been compromised.

   2.6 From time to time Great Eastern Group may inform you of additional security measures, instructions or recommendations relating to your Username and/or password which you are required to comply with and you undertake to comply with the same. Great Eastern Group reserves the right to deactivate or revoke the use of your Username and password at any time for any reason whatsoever without any prior notice or reasons

   2.7 You may access and view this Website and/or Service and may save an electronic copy or print out a copy of the Contents, solely for your own personal and non-commercial use. All copies that you make must be in the form as presented on this Website and/or Service and must include all applicable copyright and other notices on this Website and/or Service.

   2.8 You acknowledge and agree that, as a condition of your access and use of this Website and/or Service, you will not use the Contents of this Website and/or Service, or this Website and/or Service, for any purpose that is unlawful or prohibited by these Terms of Use. You may not use this Website in any manner that could damage, disable, overburden or impair any Great Eastern Group server, or the networks connected to any Great Eastern Group server, or interfere with any other party's access and use of this website.

   2.9 You may not attempt to gain unauthorised access to this Website and/or Service through hacking, password mining or any other means. You may not obtain, or attempt to obtain, any Contents through any means not intentionally made available on or through this Website and/or Service.

3. Links
   3.1 Unless otherwise stated, you may not link (including, but not limited to, hyperlink, in-line link or deep-link) (hereinafter collectively referred to as "Link"), mirror or frame this Website and/or Service or any part thereof to any other web page, website, server or otherwise. Except with our prior written permission no trademark, trade name, service mark, product name, logo, insignia or device may be used as a Link or to mark any Link to this Website and/or Service or any part thereof or any other web page or website.

   3.2 You may not Link to this Website and/or Service or any part thereof from any web page or website which contains materials or information which is inappropriate, profane, defamatory, infringing, obscene, indecent, vulgar, harassing, privacy invading, abusive, threatening, harmful, tortious, objectionable, unlawful or violates any applicable intellectual property or proprietary rights.

   3.3 Notwithstanding anything to the contrary herein, Great Eastern Group reserves all rights to terminate any Link from any website to this Website and/or Service for any reason. Upon our instructions, you must disable, remove and terminate any Link from any web page or website, or any mirroring or framing of this Website and/or Service or any part thereof immediately.

   3.4 For your convenience, Great Eastern Group may include Links to websites on the Internet that are owned or operated by third parties. Great Eastern Group has not developed or reviewed, and is not responsible for the contents of or the consequences of accessing the Linked web page or website. We make no guarantee, representation or warranty as to, and have no liability for, any content at those websites, including, but not limited to, guarantees, representations and warranties regarding the truth, adequacy, originality, accuracy, timeliness, completeness, reasonableness, non-infringement, suitability, satisfactory quality, merchantability or fitness for any particular purpose or any representations or warranties arising from usage, custom or trade or by operation of law, of those content.

   3.5 In no circumstances will Great Eastern Group be considered to be associated or affiliated in whatever manner with any trademarks, trade names, service marks, logos, insignia or other devices used or appearing on websites that Links, mirrors or frames this website or any part thereof. The Links provided in this website shall not be considered or construed as an endorsement or verification of such Linked websites or the contents therein by Great Eastern Group.

   3.6 Linked websites are not under the control of Great Eastern Group and Great Eastern Group cannot accept responsibility for the contents of or the consequences of accessing any websites that Links, mirrors or frames this website or any part thereof or any link contained in a Linked website or any Links provided on this Website and/or Service. You agree that your access to and use of such Linked websites is entirely at your own risk and subject to the terms and conditions of access and use contained therein.

4. Loyalty Card
   4.1 As a user of the Loyalty Card, you are required to and undertake sole responsibility for the submission of true, accurate and complete particulars or information when applying for the Loyalty Card. Great Eastern Life Assurance (Malaysia) Berhad ("Great Eastern") shall not be responsible for the consequences of any of the particulars or information being incomplete, inaccurate, garbled or obsolete and Great Eastern is entitled to act on such particulars and information notwithstanding the possibility that they may conflict with other particulars or information given by you. In addition, you undertake to promptly notify Great Eastern of any changes in the particulars or information provided by you. You represent, by applying for the Loyalty Card, that you have the right and capacity to enter into this Agreement.

   4.2 Great Eastern reserves the right to refuse and reject any application for the Loyalty Card without assigning a reason for such refusal. Great Eastern's acceptance of your application for the Loyalty Card is subject to factors such as, the fulfilment of eligibility criteria, the provision of required particulars or information and your agreement to terms and conditions specified by Great Eastern. Any requests for replacement Loyalty Cards shall be approved at Great Eastern's sole and absolute discretion.

   4.3 Upon approval of your application, Great Eastern may offer you the use of the Loyalty Card and access to your Account using your Username and password at its sole and absolute discretion. The Loyalty Card will be delivered to you once Great Eastern has processed your application successfully. Great Eastern shall not be responsible in the event of any error in your application or your failure to receive your Loyalty Card due to your provision of incomplete, inaccurate, garbled or obsolete mailing address, particulars or information.

   4.4 In exceptional cases, and on a case to case basis, if your Loyalty Card has been returned to Great Eastern, and you thereafter wish to collect your Loyalty Card personally and directly from Great Eastern, you may do so at Great Eastern's sole and absolute discretion and subject to prior written notice being provided to Great Eastern.

   4.5 You shall not be entitled to dispute any Transaction using your Loyalty Card or under your Username and password. Great Eastern may at its sole and absolute discretion permit you to access and view your Loyalty Points balance and Transaction history on the Website. Great Eastern is entitled to, but not obliged to, rely on all instructions and Transactions carried out using your Loyalty Card or under your Username and password.

   4.6 You hereby undertake to keep your Username and password confidential and that no person other than yourself shall be permitted or shall have access or knowledge of your Username and password. You are required to inform Great Eastern if your Username and/or password becomes invalid or ceases to have effect. You undertake to change your password regularly, and not to disclose your password to anyone. To the extent permitted by law, Great Eastern shall not be liable in the event that the security and/or confidentiality of your Username and/or password has been compromised.

   4.7 From time to time Great Eastern may inform you of additional security measures, instructions or recommendations relating to your Username and/or password which you are required to comply with and you undertake to comply with the same. Great Eastern reserves the right to deactivate or revoke the use of your Username and password at any time for any reason whatsoever without any prior notice or reasons.

   4.8 By applying for and using the Loyalty Card, you agree and undertake: (a) not to use the Loyalty Card for any business, commercial, fraudulent or unlawful purposes or purposes which are deemed unacceptable by Great Eastern or which are prohibited by this Agreement; (b) to promptly notify Great Eastern of any unauthorised use, loss or theft of the Loyalty Card; (c) change your Username and/or password immediately and notify Great Eastern immediately and request a new Username and/or password if you have reason to suspect that the security and/or confidentiality of your Username and/or password has been compromised; (d) pay all fees arising out of and in connection with the use of your Loyalty Card and under the Loyalty Program as Great Eastern may prescribe from time to time; and (e) to only use the Loyalty Card in accordance with the terms and conditions of this Agreement.

   4.9 Your Loyalty Card is and shall at all times remain Great Eastern's property and shall be surrendered to Great Eastern immediately upon its request and may be repossessed by Great Eastern at any time. The Loyalty Card is non-transferable and shall only be used exclusively by you. Upon the loss or theft of your Loyalty Card or upon knowledge of any unauthorised use of your Loyalty Card, Username and/or password, you may request Great Eastern to issue a replacement Loyalty Card or new Username and Great Eastern shall at its sole and absolute discretion accept or to refuse such request without having to assign any reason whatsoever. Any replacement Loyalty Card may be subjected to a replacement card fee, unless waived by Great Eastern at its sole and absolute discretion.

   4.10 Great Eastern may at its discretion on a case to case basis ask you for a copy of the police report confirming the loss or theft of your Loyalty Card. If Great Eastern requires the police report, and you are not able to provide Great Eastern with a copy, Great Eastern may not be able to proceed with its investigations. Without prejudice to the foregoing, Great Eastern shall not be responsible or be held liable for any disputes or loss suffered by you in relation to any Transactions incurred from unauthorised usage of the Loyalty Card. You shall be and remain liable for all Transactions incurred from unauthorised usage of the Loyalty Card, Username and/or password where investigations made by Great Eastern or the police reveal that you are a party to any actions regarding any Transactions effected through the use of the Loyalty Card, Username and/or password by any unauthorised person.

5. Loyalty Points
   5.1 At Great Eastern's sole and absolute discretion and where applicable, you may use your Loyalty Card to collect Loyalty Points from designated Merchants registered by Great Eastern under the Loyalty Program. Great Eastern may provide a list of Merchants and Loyalty Points earning structure on the Website. The Loyalty Points earning structure varies according to Merchants and Great Eastern reserves the right to introduce, terminate, suspend, cancel, deactivate, recall or revoke the accrual of Loyalty Points and/or to add, remove, substitute or change Merchants, Rewards and the Loyalty Points earning structure from time to time at its sole and absolute discretion without prior notice.

   5.2 Where applicable, Loyalty Points will be credited into your Account in accordance with the time period and terms and conditions as determined by the respective Merchant from time to time. Great Eastern assumes no control, responsibility or liability as to the crediting of or any delay in the crediting of Loyalty Points or posting of Transactions into your Account by the respective Merchants. You should frequently review your Account to check and verify your current Loyalty Points balance and Transaction history, if any, on the Website and as Great Eastern may make available from time to time.

   5.3 Any disputed Transactions will not be credited with Loyalty Points. Great Eastern and the Merchants reserve the right to change, at any time without prior notice, the number of Loyalty Points and where applicable, the number of Loyalty Points plus Malaysia ringgit value that are required to be redeemed for any of the items available for Redemption. The Loyalty Points accumulated shall have no cash or monetary value and are not transferrable.

   5.4 The accumulation of Loyalty Points does not entitle you to any vested rights, and in accumulating Loyalty Points you understand that you may not rely on the continued availability of any Reward.

   5.5 Any disputes in connection with or arising from the Loyalty Points balance and Transaction history must be notified to Great Eastern as soon as possible and in any event within one (1) month from the date of the relevant Loyalty Points summary statement. Great Eastern will need you to provide Great Eastern with supporting documents wherever applicable to assist Great Eastern in settling any disputes. If Great Eastern does not receive any notifications from you within the stipulated time frame of any disputes or inaccuracies on your Loyalty Points summary statement, the statement will be taken to be correct, final and binding on you. Great Eastern's decision on any such dispute is final and conclusive.

6. Redemption
   6.1 Loyalty Points, where credited into your Account, may be converted and redeemed by you, using the various redemption methods implemented, in exchange for Rewards as may be determined by Great Eastern and its Merchants from time to time.

   6.2 The validity of the Loyalty Points and Loyalty Card shall be determined at the sole and absolute discretion of Great Eastern and the respective Merchants. Any Loyalty Points which have not been redeemed following the expiry of the Loyalty Points and/or Loyalty Card will automatically expire and be deducted from your Account. There will be no extension granted for the redemption of any expired Loyalty Points, unless otherwise determined by Great Eastern and the respective Merchants.

   6.3 Suspected or actual fraud and/or abuse relating to the accumulation of Loyalty Points under the Loyalty Program may result in forfeiture of accumulated Loyalty Points, cancellation of the Loyalty Card and the Username as well as cancellation of your participation in the Loyalty Program. Loyalty Points may also be deducted from your Loyalty Points balance in the following circumstances: (a) any Loyalty Points suspected to be fraudulently or unlawfully recorded; (b) any Loyalty Points recorded in error; and (c) any Loyalty Points relating to a Transaction which is or has been cancelled.

   6.4 Your Account must be in good standing and not terminated, suspended, cancelled, deactivated, recalled or revoked by Great Eastern at the time of a redemption request. Any request for Rewards redemption with insufficient Loyalty Points will not be processed. Upon redeeming Loyalty Points in exchange for Rewards, you agree to release Great Eastern from any and all liability to you in respect of the redemption of the Loyalty Points under the Loyalty Program.

   6.5 Any redemption request made by you once accepted by Great Eastern and/or the respective Merchant cannot be revoked, cancelled, changed, returned or exchanged by you. All Loyalty Points redeemed will not be credited back into your Account.

   6.6 Great Eastern shall not be responsible for the refusal of any Merchant to honour or accept your Loyalty Card for the issuance of Loyalty Points or for any redemption of Rewards. Any dispute concerning the Rewards redeemed in exchange for Loyalty Points shall be settled between you and the respective Merchant which provided the Rewards and Great Eastern shall bear no responsibility or liability for such disputes or the resolution of the same. Great Eastern disclaims to the maximum extent permitted by law all warranties, whether implied or express, oral or written, including without limitation, any implied warranties of merchantability, fitness for a particular purpose and non-infringement relating to the Rewards.

   6.7 Rewards are not exchangeable for other rewards, not refundable, not replaceable and not transferable for cash or credit under any circumstances. Great Eastern will not: (a) replace; or (b) assist you by placing a hold or freeze status on any misplaced, lost or stolen Rewards under any circumstances whatsoever.

7. Communication
   7.1 Unless you inform us otherwise, you agree that Great Eastern shall be entitled from time to time to contact you via electronic transmission (including, but not limited to email communication, telex, fax), short messaging services, or via telephone correspondence, and any other means of exchange communication in respect of, but not limited to, your Account, Loyalty Card, Loyalty Points, Transactions and any other matters in relation to the Loyalty Program including without limitation, offers, promotional and marketing material. Unless you inform us otherwise, you agree that Great Eastern shall be entitled to send you offers, promotional and marketing materials with regard to the Loyalty Program from time to time.
   
   
8. Disclosure
   Great Eastern shall be entitled to disclose and you consent to its disclosure of any information pertaining to you, your Transaction(s), Loyalty Card, Account and/or Loyalty Points and any other information under the Loyalty Program to such extent as Great Eastern may at its sole and absolute discretion deem fit to: (a) to Merchants or other parties involved in the Loyalty Program; (b) Great Eastern and/or Great Eastern Holdings Limited and/or its subsidiaries and/or the subsidiaries of Great Eastern Holdings Limited assignees, proposed assignees, agents, commercial partners, service providers and/or any other parties engaged by Great Eastern to enable or assist Great Eastern in the provision of services or to exercise or enforce its rights hereunder; (c) any regulatory body or such other authority or body having jurisdiction over Great Eastern; and/or (d) any other party whomsoever as Great Eastern may, at its sole and absolute discretion, deem fit.
   
   
9. Disclaimer
   9.1 The Contents are of a general nature which have not been verified, considered or assessed by any member of Great Eastern Group. Such Contents are provided for general information only and you should seek professional advice at all times and obtain independent verification of the Contents contained herein before making any decision based on any such information or materials. Your use of the Contents is at your own risk.

   9.2 Great Eastern Group does not guarantee, represent or warrant that this website is free of malicious software, including, but not limited to, viruses, malicious code, computer worms, Trojan horses, spyware or other harmful components (“Malicious Software”). Great Eastern Group accepts no liability for any loss, damage, claim, liability, expense or costs that may result from any transmission of such Malicious Software via this website (including, but not limited to, files downloaded from this website).

   9.3 The Contents are provided on an “as is” and “as available” basis without warranties of any kind. Great Eastern Group make no guarantee, representation or warranty as to, and have no liability for, any Content, including, but not limited to, guarantees, representations and warranties of any kind, implied, express or statutory regarding the truth, adequacy, originality, accuracy, timeliness, completeness, reasonableness, freedom from computer virus and other Malicious Software, non-infringement, suitability, satisfactory quality, merchantability or fitness for any particular purpose or any representations or warranties arising from usage, custom or trade or by operation of law and Great Eastern Group expressly disclaims liability for any errors in, or omissions from, such Contents.

   9.4 Under no circumstances shall Great Eastern Group be liable regardless of the form of action for any failure of performance, system, server or connection failure, error, omission, interruption, breach of security, corruption, delay in operation or transmission, transmission error or unavailability of access in connection with your access and use of this website even if Great Eastern Group had been advised as to the possibility.

   9.5 In no event shall Great Eastern Group be liable to you or any other party for any damages, losses, claim, liability, expenses or costs (including legal costs) whatsoever or howsoever (including without limitation, any direct, indirect, special, punitive, incidental or consequential damages, loss of profits or loss of opportunity) arising in connection with:

   1. your access and use of this website;
   2. reliance on any Contents provided at this website, regardless of the form of action and even if Great Eastern Group had been advised as to the possibility of such damages;
   3. any loss, theft of or unauthorised use of your Username and/or password (if any); and/or
   4. any disclosure of any particulars or information to third parties arising as a result of your negligence or failure to keep Username and/or password (if any) confidential.

   9.6 Nothing in this Agreement excludes the liability of either Party in respect of:

   1. death or personal injury caused by its negligence; and
   2. liability which may not otherwise be limited or excluded under applicable law.

   9.7 You hereby agree that any information provided by you on this website is on a voluntary basis and is only for the purpose of this website. You also agree that the information provided by you on this website does not constitute disclosure of information for the purposes of an insurance policy contract between Great Eastern and you. Notwithstanding the information provided by you on this website you are still obliged to disclose all relevant and material information in any proposal form for the purchase of an insurance policy sold by Great Eastern.

   9.8 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 web properties, communication channels and social media (e.g. our Facebook pages), is provided by way of information only. It is not and does not purport to be, or it is not a substitute for, nor does it replace, medical or other professional advice, or treatment of health conditions. Whilst we, Great Eastern (including its parent, subsidiaries and affiliates), 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. Any third party links provided by us on any of our web properties, communication channels and social media (e.g. our Facebook pages) 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.

   Please also note that there are all sorts of workout and exercise; some are rigorous whereas some are slow-paced. As each workout or exercise is of different intensity, it is important to try the workout according to your fitness level. If you are unsure about proceeding with the suggested workouts, please consult your physician or other healthcare professional before beginning or changing any fitness program to make sure that it is appropriate for your needs, especially if you are pregnant or have a history of any of the following:

   • High blood pressure (you or your family)
   • Heart disease (you or your family)
   • Chest pain when exercising
   • Chest pain in the past month when not engaged in physical activity
   • Smoking
   • Have high cholesterol
   • Obesity
   • Bone or joint problem that could be made worse by a change in physical activity

   In addition, if you ever start to feel unwell or have discomfort or experience faintness, dizziness, pain or shortness of breath 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 web properties, communication channels and social media (e.g. our Facebook pages). 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. Therefore, the use of any information provided by us is solely at your own risk. 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 web properties, communication channels and social media (e.g. our Facebook pages).

10. Indemnity
    You hereby agree to indemnify and save Great Eastern harmless against all damages, losses, claims, liability, expenses and costs (including legal costs) whatsoever or howsoever suffered or incurred by Great Eastern in connection with or arising from: (a) your use of the Loyalty Card; (b) any other party's use of the Loyalty Card using your Username and/or password; (c) your breach of any of the terms and conditions of this Agreement; or (d) any other party's breach of any of the terms and conditions of this Agreement where such party was able to use the Loyalty Card by using your Username and/or password.
    
    
11. Term and Termination
    11.1 Great Eastern reserves the right to: (a) terminate, suspend, cancel, deactivate, recall or revoke the Loyalty Program (in whole or in part), your participation in the Loyalty Program, your Transaction(s), Loyalty Card, Account and/or Loyalty Points; and/or (b) forfeit the accumulated Loyalty Points, at its sole and absolute discretion for any reason whatsoever without any prior notice or reasons, including without limitation, if Great Eastern detects any unusual, irregular, suspicious, fraudulent or unauthorised use or activity on your Loyalty Card, Account and/or Loyalty Points or any threatened or actual breach by you of the terms and conditions of this Agreement.

    11.2 You may at any time submit a request in writing to Great Eastern to terminate your Loyalty Card and Account. Great Eastern may, at its sole and absolute discretion, terminate the Loyalty Card and your participation under the Loyalty Program, and your Username will no longer be valid for use to earn Loyalty Points. Upon Great Eastern's approval of your request to terminate your Loyalty Card and Account, you shall redeem the balance of your accumulated Loyalty Points that you have in the Account within the stipulated time period as determined by Great Eastern. Any Loyalty Points which are not redeemed by the expiry of the stipulated time period will be forfeited.

    11.3 Upon termination of this Agreement, you must immediately discontinue your use of the Loyalty Card and your participation in the Loyalty Program.

12. Limitation of Liability
    12.1 Nothing in this Agreement excludes the liability of either Party in respect of:

    death or personal injury caused by its negligence; and liability which may not otherwise be limited or excluded under applicable law.

    12.2 Subject to Clause 812.1 above, in no event shall Great Eastern be liable to you for loss of revenue, loss of profits, loss of business, loss of contracts, loss of data, loss of anticipated savings or loss of goodwill, or any direct, indirect, consequential, punitive, incidental or special loss of whatever nature arising out of or in connection with this Agreement notwithstanding that any such loss may have been foreseeable or within the reasonable contemplation of either Party.

13. Governing Law and Jurisdiction
    Nothing herein shall be construed as a representation by Great Eastern that the Loyalty Card is available for use in geographic areas or jurisdictions other than Malaysia. By accessing and using the Loyalty Card, you agree that such use, as well as these terms and conditions shall be governed by and construed in accordance with the laws of Malaysia and you agree to submit to the exclusive jurisdiction of the Malaysia courts.
    
    
14. Miscellaneous
    14.1 The contents including terms and conditions herein are subject to change (including, without limitation, modification, deletion or replacement thereof) without notice. By continuing to access and use this website and the Loyalty Card, you will be conclusively presumed to have notice of and have agreed to be bound by the most recent terms and conditions of this Agreement as modified from time to time and available on the Website. If you do not agree to be bound by the changes to the terms and conditions of this Agreement, you must immediately discontinue your access and use of this website, the Loyalty Card and your participation in the Loyalty Program.

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

    14.3 You shall not assign your Username, Loyalty Card or any of your rights or obligations under this Agreement without Great Eastern's prior written consent. Great Eastern shall have the right to assign the whole or any part of its rights or obligations under this Agreement without your prior written consent and your covenants, undertakings and warranties shall inure to the benefit of Great Eastern's successors and assigns.

    14.4 Any notice or other information under this Agreement to be given by either Party to the other may be given by hand or sent, by pre-paid post, facsimile transmission, email or other comparable means of communication, to the other Party at its address set out in this Agreement or to such other address as may from time to time be notified in writing by such Party.

    14.5 No failure on the part of any Party to exercise and no delay on the part of any Party in exercising any right hereunder will operate as a release or waiver thereof, nor will any single or partial waiver of the exercise of any right under this Agreement preclude any other or further exercise of it.

    14.6 These terms and conditions constitute the entire agreement between you and Great Eastern with respect to your access and use of this website and the Loyalty Card and supersedes and replaces all prior and contemporaneous agreements on the subject, if any.

    14.7 The terms and conditions in this Agreement are specific to your use of this website and the Loyalty Card and will supersede any contrary terms or conditions appearing in any other agreements which are not related to the Loyalty Card.

    14.8 Great Eastern Group may terminate your access and use of this website at any time without notice and without assigning any reason thereof.

    14.9 Unless you inform us otherwise, you agree that Great Eastern shall be entitled from time to time to contact you via electronic transmission (including, but not limited to email communication, telex, fax), short messaging services, or via telephone correspondence, and any other means of exchange communication in respect of, but not limited to these Terms of Use, including without limitation, offers, promotional and marketing material. Unless you inform us otherwise, you agree that Great Eastern shall be entitled to send you offers, promotional and marketing materials from time to time.

15. Written Notice for Collection and Disclosure of personal information/ Notis bertulis untuk Pengumpulan dan Penggunaan maklumat peribadi
    15.1 Great Eastern is collecting and using your personal information in order to send to you (where applicable) information concerning your Account, Loyalty Card, Loyalty Points, Transactions and other matters in relation to the Loyalty Program including offers, promotional and marketing materials. Great Eastern also needs your email address in order to verify your account. You may at any time access your personal information, request for correction of your personal information, and enquire about your personal information by going to the "Edit Profile" of this website. You can make a complaint in relation to your personal information by contacting Great Eastern at tel: 03-48133738 or writing to:

    Great Eastern Life Assurance (Malaysia) Berhad 
    Complaints Handling Unit
    Menara Great Eastern 
    303 Jalan Ampang 
    50450 Kuala Lumpur 
    Fax: 03-4259 8397 
    E-mail: feedback@greateasternlife.com

    If you do not wish to have offers, promotional and marketing materials sent to you, please indicate your preference in the "Edit Profile" page of this website. Great Eastern will not disclose your personal information to any third party before obtaining your consent.

    15.2 Great Eastern mengumpul dan menggunakan maklumat peribadi anda untuk menghantar (jika berkenaan) Kad maklumat mengenai Akaun anda, Kad Kesetiaan, Mata-mata Kesetiaan, Transaksi-transaksi dan perkara-perkara lain yang berkaitan dengan Program Kesetiaan termasuk tawaran, bahan-bahan promosi dan pemasaran. Great Eastern juga memerlukan alamat e-mel anda untuk tujuan pengesahan akaun anda. Anda pada bila-bila masa boleh mengakses maklumat peribadi anda, membuat permintaan untuk pembetulan maklumat peribadi anda, membuat pertanyaan mengenai maklumat peribadi anda dengan pergi ke halaman "Edit Profile" web ini. Anda boleh membuat aduan berhubung dengan maklumat peribadi anda dengan menghubungi Great Eastern di talian: 03-48133738 atau bertulis kepada:

    Great Eastern Life Assurance (Malaysia) Berhad
    Unit Pengendalian Aduan 
    Menara Great Eastern 
    303 Jalan Ampang 
    50450 Kuala Lumpur 
    Fax: 03-4259 8397 
    E-mel: feedback@greateasternlife.com

    Jika anda tidak mahu menerima tawaran, promosi dan pemasaran yang dihantar kepada anda, sila nyatakan pilihan anda di "Edit Profile" bahan-bahan web ini. Great Eastern tidak akan mendedahkan maklumat peribadi anda kepada mana-mana pihak ketiga sebelum mendapat persetujuan anda.

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

    "Account" means your Loyalty Card account containing details of your Loyalty Points earnings and Transactions.

    "Great Eastern", "Great Eastern", "Great Eastern", "our", "ours" means Great Eastern Life Assurance (Malaysia) Berhad and/or Great Eastern Holdings Limited and/or its subsidiaries and/or the subsidiaries of Great Eastern Holdings Limited.

    "Loyalty Card" means the loyalty and rewards card issued by Great Eastern that Great Eastern may at its sole and absolute discretion permit the collection of Loyalty Points and/or which Great Eastern may permit the redemption of Rewards at designated Merchants that have been registered by Great Eastern under the Loyalty Program.

    "Loyalty Points" means loyalty points that Great Eastern may at its sole and absolute discretion permit you to earn when you use the Loyalty Card at any Merchant that has been signed up by Great Eastern under the Loyalty Program for the accumulation of Loyalty Points, or for other initiatives or under any other program devised and/or managed by Great Eastern from time to time.

    "Loyalty Program" means the loyalty and rewards program operated and managed by Great Eastern.

    "Merchant" means a retailer, or any other person, firm or corporation that has been registered under the Loyalty Program for issuance of Loyalty Points and/or redemption of Rewards.

    "Redemption" means features under the redemption program by which you can redeem Loyalty Points and/or Rewards.

    "Reward(s)" means discounts, rewards, benefits, goods and/or services offered by Merchants.

    "Transactions" means all redemption of Rewards effected through the use of the Loyalty Card and/or Username.

    "Username" means the user identifier that may be assigned to you under the Loyalty Program, including without limitation, your registered email address, mobile phone number or personal identification number.

    "Website" means a website hosted by Great Eastern where you are able to view your Loyalty Points balance and Transaction history as designated by Great Eastern from time to time.

    "You", "your", "yours" means an individual who has personally signed up, applied for and has been granted the Loyalty Card and issued the Username under the Loyalty Program.

DATA PROTECTION NOTICE - English Version

By interacting with Great Eastern Life Assurance (Malaysia) Berhad (“Company”), submitting information to the Company, enrolling or signing up for any products or services offered by the Company, you are providing personal information to the Company.

“Personal information” means any information which relates to you and which has been provided by you to the Company, including but not limited to your name, bio-data or personal profile, National Registration Identity Card number, passport number, address, telephone number, email address, images, your personal preferences, particulars of any third party life assured or beneficiary, and financial and banking account information and any information which may identify you, any life assured, trustee or beneficiary, that has been or may be collected, stored, used and processed by the Company from time to time. The term “personal information” also includes sensitive personal data which means any personal data consisting of information as to physical or mental health or condition, political opinions, religious beliefs or other beliefs of a similar nature, the commission or alleged commission of any offence.

If you provide us with any personal information relating to a third party, including where you have named them as a life assured, trustee or beneficiary, or where you refer a third party to us for the purposes of us offering our products and/or services to that third party, by submitting such information to us, you represent to us that you have obtained the consent of the third party to you providing us with their personal information for the purposes set out herein. References to “your personal information” shall include the personal information of third parties provided by you.

Your personal information may be used, recorded, stored, archived, disclosed or otherwise processed by or on behalf of the Company (and its successors in title) for the following purposes:

1. to carry on insurance business, as may be applicable and to carry out any activity or duty as an insurer, including but not limited to any operational or internal management purposes;
2. to assess or process any proposals or applications made for any of the Company’s products and services, including any future underwriting;
3. any claim or investigation or analysis of such claim, including to ascertain your claims history in order to improve claims processing and prevent fraudulent claims, including any future claims assessment;
4. to manage and service the Company’s relationship with you and to provide you with improved customer service;
5. to match and update any personal information held by the Company and the Great Eastern group of companies (“Great Eastern”) relating to you from time to time (for more information on Great Eastern, log on to greateasternlife.com);
6. to offer and/or process any alterations, variations, cancellation or renewal of products or services by the Company or by Great Eastern;
7. direct marketing and general marketing of insurance and takaful products and services of the Company and Great Eastern, and of third party products, that may be of interest to you. Please be assured that marketing information in respect of third party products and services will only be sent to you if you have expressly consented to the same;
8. research and audit including but not limited to historical and statistical purposes;
9. to exercise any right of subrogation or recovery;
10. to prevent, investigate, or report any actual or suspected money laundering, terrorist financing, bribery, corruption, actual or suspected fraud including but not limited to insurance fraud, evasion of tax or of economic or trade sanctions, and other criminal or unlawful activities;
11. for reinsurance;
12. for litigation or potential litigation; and
13. if required by law or in good faith, if such action is necessary:
    • to comply with any law enforcement, court orders or legal process, and/or
    • to protect and defend the rights or property of the Company and Great Eastern (for information, log on to greateasternlife.com).

The Company may also collect and/or verify your personal information from third parties, such as a policyholder who has taken up a policy on you or for your benefit, agents, brokers, business partners and third parties from whom you have been referred to the Company, or third parties from whom we seek or receive information on you in connection with your policy, policy applications, or claims, for example, from any of the Great Eastern group of companies, other insurers or takaful providers, insurance associations and takaful associations, hospitals, clinics and the relevant authorities.

The Company may retain your personal information for such time as deemed to be necessary for the purpose of fulfiling any operational, audit, investigation, legal, regulatory, tax or accounting requirements, including but not limited to any potential litigation, and future underwriting and claims assessment purposes.

The information that you have provided to the Company is necessary. If you do not provide the Company with such information, the Company may not be able to provide you with insurance or to respond to any claim.

The Company may disclose and/or provide your personal information to the following parties (within and outside Malaysia) for the purposes stated above:

1. the authorised representatives of the Company;
2. in relation to third party policies, the policy owner;
3. in relation to group policies, the policyholder and/or its brokers;
4. third party service providers (who provide administrative, telecommunications, computer, payment, data processing or storage, or other services to the Company in connection with the operation of our business) to fulfil the Company’s obligations to you;
5. banks and financial institutions;
6. insurers or takaful providers, fraud detection and prevention services, reinsurance companies, insurance associations or takaful associations and insurance industry regulatory authorities;
7. any credit reference agencies or, in the event of default, any debt collection agencies;
8. any insurance rating organisations that collect information about credit history, accident fault, injury description and amounts paid and share it with other insurance companies or takaful providers and others entitled to see it;
9. any person, who is under a duty of confidentiality and has undertaken to keep such data confidential, which the Company has engaged to fulfil its obligations to you;
10. any actual or proposed assignee, transferee, participant or sub-participant of the Company’s rights or business;
11. any person to whom the Company is under an obligation to make disclosure under the requirements of any law, rules, regulations, codes of practice or guidelines binding on the Company including, without limitation, any applicable regulators, governmental bodies, or insurance associations, and where otherwise required by law;
12. other companies in Great Eastern, and the Company’s affiliates; and
13. any business or strategic partners.

You may access certain personal information held by the Company based on the applicable data protection laws of Malaysia.

You may access your personal information at any time by calling Customer Service Care or visiting our Customer Portal. If you have any inquiry such as limiting the processing of certain information, including the withdrawal of consent to receive marketing information, you may contact our Customer Service Care, or write to the Company.

If you have any complaints in respect of your personal information, you may contact our Privacy Officer.

For more information on how the Company deals with your personal information, please log on to our website and read the Client Charter and Privacy Policy, as set out below:

The Company may charge a reasonable fee for access. If you can show that the personal information held by the Company is not accurate, complete and up to date, the Company will take reasonable steps to ensure it is accurate, complete and up to date upon receiving your verification or feedback.

The Company may review and update this Personal Data Protection Notice from time to time to reflect changes in the law, changes in the business practices, procedures and structure of our Company and Great Eastern, and changes in the community's privacy expectations. It is not generally feasible to notify you of changes to this Personal Data Protection Notice and as such, you can log on to our website to obtain the latest version of the Personal Data Protection Notice at any time.

By interacting with the Company, submitting information to the Company, enrolling or signing up for any products or services offered by the Company, you consent (and where required, explicitly consent) to such use of your personal information including sensitive personal data, in the manner set out in this notice. Such consent and authorisation herein shall extend to any information obtained from any of the insurance policy(ies) presently provided to you, any new application to the Company for insurance, and claim processing, such historical financial or credit records, data or information whether or not provided personally.

In the event of any inconsistencies between the English version and the Bahasa Malaysia version of this notice, the English version shall prevail.

DATA PROTECTION NOTICE - English Version

The personal information that you have provided, whether now or in the future, may be used, recorded, stored, archived, disclosed or otherwise processed by or on behalf of Great Eastern Life Insurance (Malaysia) Berhad (“Company”) (and its successors in title) for the following purposes:

• processing your agent application form, which includes carrying out appropriate character/credit checks which may consist of a comprehensive review and investigation of your background, qualifications, experience, education, employment history, references and other information (including criminal history records);
• for monitoring, administration of and managing your role as the Company’s agent;
• promotional purpose including displaying and publishing your photograph or video image;
• for research and audit including but not limited to historical and statistical purposes;
• to prevent, investigate, or report any actual or suspected money laundering, terrorist financing, bribery, corruption, actual or suspected fraud including but not limited to insurance fraud, evasion of tax or of economic or trade sanctions, and other criminal or unlawful activities;
• checking all the information it receives about you against information held in the Company’s records;
• as required by relevant laws, rules, regulations, codes of practice or guidelines binding on the Company;
• matching any data held by the Company and Great Eastern Group of Companies (“Great Eastern”) relating to you from time to time for any of the purposes set out above;
• direct marketing and general marketing of any products and services of the Company, Great Eastern and third party products that may be of interest to you. Please be assured that marketing information in respect of third party products and services will only be sent to you if you have expressly consented to receive the same;
• for litigation or potential litigation; and
• if required by law or in good faith, if such action is necessary:
  a) to comply with any law enforcement, court orders or legal process, and/or
  b) to protect and defend the rights or property of the Company and Great Eastern (for information, log on to greateasternlife.com).

“Personal information” means any information which relates to you and which has been provided by you to the Company and Great Eastern relating to you from time to time, including but not limited to your name, bio-data or personal profile, National Registration Identity Card number, passport number, address, telephone number, email address, images, your personal preferences, financial and banking account information and any information which may identify you, that has been or may be collected, stored, used and processed by the Company from time to time. The term “personal information” also includes sensitive personal data which means any personal data consisting of information as to physical or mental health or condition, political opinions, religious beliefs or other beliefs of a similar nature, the commission or alleged commission of any offence.

The Company may also collect and/or verify your personal information from third parties, such as credit reference agencies, debt collection agencies, from Great Eastern group of companies and insurance associations and takaful associations.

The information that you have provided to the Company is necessary. If you do not provide the Company with the information, the Company may not be able to process, administer or manage your role as agent, including but not limited to agency business development and commission payments.

If you provide us with any personal information relating to a third party, including where you have named them as family member, by submitting such information to us, you represent to us that you have obtained the consent of the third party to you providing us with their personal information for the purposes set out herein. References to “your personal information” shall include the personal information of third parties provided by you.

The Company may disclose and/or provide your personal information to the following parties (within and outside Malaysia) for the purposes stated above:

• the Company’s representatives, immediate officer and/or superior and agency leaders;
• third party service providers (who provide administrative, telecommunications, computer related facilities including but not limited to the purchase of hardware or software, system enhancements, migration or maintenance, if any, payment, data processing, storage, or other services to the Company in connection with or related to the conduct or manner of operation of our business) to fulfil the Company’s obligations to you;
• any credit reference agencies or, in the event of default, any debt collection agencies;
• any person, who is under a duty of confidentiality and has undertaken to keep such data confidential, which the Company has engaged to fulfil its obligations to you;
• any person to whom the Company is under an obligation to make disclosure under the requirements of any law, rules, regulations, codes of practice or guidelines binding on the Company;
• any applicable regulators, governmental bodies, or industry-recognised bodies and where otherwise required by law;
• other companies in Great Eastern, affiliates; and any business or strategic partners (for information, please log on to greateasternlife.com); and
• any other parties in respect of whom you have consented to the disclosure of your personal data.

You may access certain personal information held by the Company based on the applicable data protection laws of Malaysia. You also may access your personal information through the ePartner portal (https://epartner-my.greateasternlife.com).

If you have any inquiries such as limiting the processing of certain information, you may contact the Company through the Internet Communication Module (ICM) in the ePartner portal.

If you have any complaints in respect of your personal information, you may contact our Privacy Officer at +603 4813 3796.

The Company may charge a reasonable fee for access. If you can show that the personal information kept by the Company is not accurate, complete and up to date, the Company will take reasonable steps to ensure it is accurate, complete and up to date upon receiving your verification or feedback.

The Company may retain your personal information for such time as deemed to be necessary for the purpose of fulfilling any operational, audit, investigation, legal, regulatory, tax or accounting requirements, including but not limited to any potential litigation.

The Company may review and update this Data Protection Notice from time to time to reflect changes in the law, changes in its business practices, procedures and structure, and changes in the community’s privacy expectations. It is not generally feasible to notify you of changes to this Personal Data Protection Notice and as such, you can log on to https://epartner-my.greateasternlife.com to obtain the latest version of the Personal Data Protection Notice at any time.

By interacting with the Company, submitting information to the Company, you consent (and where required, explicitly consent) to such use of your personal information including sensitive personal data, in the manner set out in this notice. Such consent and authorisation herein shall extend to any information obtained from your historical financial or credit records, data or information whether or not provided personally.  

In the event of any inconsistencies between the English version and the Bahasa Malaysia version of this notice, the English version shall prevail.

DATA PROTECTION NOTICE - English Version

1. By interacting with the Company, submitting information to Great Eastern Life Assurance (Malaysia) Berhad (“Company”), enrolling or signing up for any products or services offered by the Company, you are providing personal information to the Company.
   
   
2. When the Policyholder submits an application to the Company, the Company will be processing the Policyholder’s details and also personal information of any employee, member, customer and/or such other persons as may be insured under the Policy (“said Individual”).
   
   
3. “Personal information” means any information which relates to the said Individual which has been provided by the Policyholder to the Company, including but not limited to name, bio-data or personal profile, National Registration Identity Card number, passport number, address, telephone number, email address, images, personal preferences, particulars of the said Individual or any third party life assured or beneficiary, and financial and banking account information and any information which may identify the said Individuals, any life assured, trustee or beneficiary, that has been or may be collected, stored, used and processed by the Company from time to time. The term “personal information” also includes sensitive personal data which means any personal data consisting of information as to physical or mental health or condition, political opinions, religious beliefs or other beliefs of a similar nature, the commission or alleged commission of any offence.
   
   
4. By submitting information relating to the said Individual or any third party including where the said Individual has named them as life assured, trustee or beneficiary to the Company, the Policyholder represents to the Company that the Policyholder has obtained the consent of the said Individual and the third party to providing the Company with their personal information for the purposes set out herein. References to “personal information” shall include the personal information of the said Individual and the third parties provided by the Policyholder.
   
   
5. The personal information may be used, recorded, stored, archived, disclosed or otherwise processed by or on behalf of the Company (and its successors in title) for the following purposes.
   
   
   • to carry on insurance business, as may be applicable and to carry out any activity or duty as an insurer, including but not limited to any operational or internal management purposes:
   •  to assess or process any proposals or applications made for any of the Company’s products and services, including any future underwriting;
   • any claim or investigation or analysis of such claim, including to ascertain the said Individual’s claims history in order to improve claims processing and prevent fraudulent claims, including any future claims assessment;
   • to manage and service the Company’s relationship with the Policyholder and the said Individual and to provide the Policyholder and the said Individual with improved customer service;
   • to match and update any personal information held by the Company and the Great Eastern group of Companies (“Great Eastern”) relating to the said Individual from time to time (for more information on Great Eastern, log on to greatesternlife.com).
   • to offer and/or process any alterations, variations, cancellation or renewal of products or services by the Company or by Great Eastern;
   • direct marketing and general marketing of insurance and takaful products and services of the Company and Great Eastern, and of third party products, that may be of interest to the said Individual. Please be assured that marketing information in respect of third party products and services will only be sent to the said Individual if the said Individual have expressly consented to the same;
   • research and audit including but not limited to historical and statistical purposes;
   • to exercise any right of subrogation or recovery;
   • to prevent, investigate, or report any actual or suspected money laundering, terrorist financing, bribery, corruption, actual or suspected fraud including but not limited to insurance fraud, evasion of tax or of economic or trade sanctions, and other criminal or unlawful activities;
   • for reinsurance;
   • for litigation or potential litigation; and
   • if required by law or in good faith, if such action is necessary:
     • To comply with any law enforcement, court orders or legal process, and/or
     • To protect and defend the rights or property of the Company and Great Eastern (for information, log on to greateasternlife.com).


6. The Company may also collect and/or verify personal information from third parties, such as agents, brokers, business partners and third parties from whom the said Individual have been referred to the Company, or third parties from whom the Company seek or receive information on the said Individual in connection with the policy, policy applications, or claims, for example, from any of the Great Eastern group of companies, other insurers or takaful providers, insurance associations and takaful associations, hospitals, clinics and the relevant authorities.
   
   
7. The Company may retain the said Individual personal information for such time as deemed to be necessary for the purpose of fulfiling any operational, audit, investigation, legal, regulatory, tax or accounting requirements, including but not limited to any potential litigation, and future underwriting and claims assessment purposes.
   
   
8. The information that the Policyholder has provided to the Company is necessary. If the Policyholder does not provide the Company with such information, the Company may not be able to provide the said Individual with insurance or to respond to any claim.
   
   
9. The Company may disclose and/or provide the personal information to the following parties (within and outside Malaysia) for the purposes stated above:-
   
   
   1. the authorised representatives of the Company;
   2. the Policyholder and/or its brokers;
   3. third party service providers (who provide administrative, telecommunications, computer, payment, data processing or storage, or other services to the Company in connection with the operation of our business) to fulfil the Company’s obligations to the Policyholder;
   4. banks and financial institutions;
   5. insurers or takaful providers, fraud detection and prevention services, reinsurance companies, insurance associations or takaful associations and insurance industry regulatory authorities;
   6. any credit reference agencies or, in the event of default, any debt collection agencies;
   7. any insurance rating organisations that collect information about credit history, accident fault, injury description and amounts paid and share it with other insurance companies or takaful providers and others entitled to see it;
   8. any person, who is under a duty of confidentiality and has undertaken to keep such data confidential, which the Company has engaged to fulfil its obligations to you;
   9. any actual or proposed assignee, transferee, participant or sub-participant of the Company’s rights or business;
   10. any person to whom the Company is under an obligation to make disclosure under the requirements of any law, rules, regulations, codes of practice or guidelines binding on the Company including, without limitation, any applicable regulators, governmental bodies, or insurance associations, and where otherwise required by law;
   11. other companies in Great Eastern, and the Company’s affiliates; and
   12. any business or strategic partners.


10. The said Individual may access certain personal information held by the Company based on the applicable data protection laws of Malaysia.
    
    
11. The said Individual may access the personal information at any time by calling Customer Service Care or visiting the Company’s Customer Portal. If the said Individual has any inquiry such as limiting the processing of certain information, including the withdrawal of consent to receive marketing information, the said Individual may contact the Company’s Customer Service Care, or write to the Company.
    
    
12. If there any complaints in respect of personal information, the Policyholder or the said Individual may contact the Company’s Privacy Officer.
    
    
13. For more information on how the Company deals with personal information, please log on to the Company’s website and read the Client Charter and Privacy Policy, as set out below:
    
    

Great Eastern Life Malaysia
Website	greateasternlife.com
Customer Portal	https://econnect-my.greateasternlife.com
Customer Service Care	1300 1300 88
Email Address	wecare-my@greateasternlife.com
Privacy Officer	+603-4813 3796



14. The Company may charge a reasonable fee for access. If it can be shown that the personal information held by the Company is not accurate, complete and up to date, the Company will take reasonable steps to ensure it is accurate, complete and up to date upon receiving verification or feedback.
    
    
15. The Company may review and update this Personal Data Protection Notice from time to time to reflect changes in the law, changes in the business practices, procedures and structure of the Company and Great Eastern, and changes in the community's privacy expectations. It is not generally feasible to notify of changes to this Personal Data Protection Notice and as such, the Policyholder or the said Individual can log on to the Company’s website to obtain the latest version of the Personal Data Protection Notice at any time.
    
    
16. By interacting with the Company, submitting information to the Company, enrolling or signing up for any products or services offered by the Company, Policyholder warrants that it has obtained the consent (and where required, explicit consent) to such use of the personal information including sensitive personal data, in the manner set out in this notice. Such consent and authorisation herein shall extend to any information obtained from any of the insurance policy(ies) presently provided to the said Individual, any new application to the Company for insurance, and claim processing, such historical financial or credit records, data or information whether or not provided personally.
    
    

In the event of any inconsistencies between the English version and the Bahasa Malaysia version of this notice, the English version shall prevail.