These terms and conditions cover unregistered users.

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.