Effective Date : 8th January 2020
Please read the terms below carefully.
If you are under 18 years of age, you may only use this Application with the consent of and under the supervision of your parent or legal guardian who shall be responsible for your use of this Application.
Unless the context otherwise requires, the following words shall have the following meanings:
“Access Credentials” means the Great ID password, OTP (One-Time Password), and/or any other form of electronic identification or device, issued or prescribed by or on behalf of the Insurer for use by the Customer in accessing Great Eastern App.
“Account” means the account created by a Customer in order to access and use this Application, including any Contents and/or Services offered by the Insurer on or via this Application.
“Content” or “Contents” means any data and/or information that is available, accessible or stored in this Application in an electronic form, including, without limitation, any information, advertisements, documents, text, files, images, sounds, moving images and videos.
“Customer” means a person who has purchased one or more policies from the Insurer or otherwise has an existing business relationship with the Insurer.
“Great Eastern App” means the mobile-based application service provided by the Insurer that enables the Customer to access the Account(s), manage his/her policies with the Insurer and/or to otherwise transact and communicate with the Insurer.
“Services” means any of the Internet-based, mobile based, interactive information services, software, content, or interactive tools that may be provided by the Insurer, including without limitation the Great Eastern e-Alerts Notification Service;
“Terminal” means computers, mobile devices or other access devices (including without limitation television) that you may use to access and/or use this Application.
2. Introduction to Our Application
Great Eastern App ("Application”) is provided by Great Eastern. This Application is a mobile application, which allows Great Eastern Customers to access the Account(s), view and manage his/her policies with the Insurer and/or to otherwise transact, instruct and/or communicate with the Insurer.
3. Accounts and Access Credentials
3.1 This Application may only be accessed by Great Eastern Customers. Great Eastern App enables you to create and have access the Account(s) by electronic means via the use of mobile devices. You may gain access to Great Eastern App and/or your Account and/or any part thereof only upon the correct input and/or use of your Access Credentials.
3.2 You acknowledge and agree that you are responsible for maintaining the confidentiality, safekeeping and security of your Account details and Access Credentials. You shall not reveal your Access Credentials to any other party and shall take all necessary steps to prevent disclosure of your Access Credentials to any other party. In the event that any of your Access Credentials is disclosed to or discovered by any other party, you shall immediately change the same.
3.3 You agree and acknowledge that any use of or access to Great Eastern App referable to, and any instructions identified by your Access Credentials (whether such access to or use of the Great Eastern App, or instruction, is authorised by you or not) shall be deemed to be, as the case may be: (a) use of or access to Great Eastern App by you; or (b) instructions transmitted or validly issued by you. You authorise the Insurer to accept, follow and act upon all instructions that are attributable to your Access Credentials (whether such instructions are actually authorised by you or not), including for additional products and services to be made available to you, and the Insurer shall not be liable for acting upon such instructions in good faith. The Insurer shall neither be liable for acting upon such instructions nor be obliged to investigate the authenticity or authority of such persons effecting the instructions or verify the authenticity, accuracy and completeness of such instructions. Such instructions shall be deemed irrevocable and binding on you upon the Insurer's receipt notwithstanding any error, fraud, forgery, lack of clarity or misunderstanding in respect of the terms of such instructions and the Insurer shall be entitled (but not obliged) to effect, perform or process such instructions without the your further consent and without any further reference or notice. The Insurer shall be entitled but shall not be obliged to verify any instructions given via the Great Eastern App by online means or via telephone.
3.4 You may, from time to time, change any of the Access Credentials as permitted by the Insurer from time to time. The Insurer shall be entitled at the Insurer's absolute discretion to reject any number or alphabet selected by you as your substitute Access Credentials without giving any reason therefor. Any of your substitute Access Credentials shall take effect upon the Insurer's confirmation and your use therefrom shall be governed by these Terms and Conditions. When selecting a substitute password, you shall refrain from selecting any series of consecutive or same or similar numbers or alphabets or any series of numbers or alphabets that may easily be ascertainable or identifiable with you.
3.5 You shall comply with all requirements, instructions and specifications relating to your Access Credentials (including without limitation any registration and activation procedures) as may be prescribed by the Insurer at any time and from time to time in its sole and absolute discretion.
3.6 You shall immediately notify the Insurer (i) if you have any knowledge or reason for suspecting that the security or confidentiality of any Access Credential or Terminal used by you for the generation and/or reception of Access Credentials has been compromised or if there has been any unauthorised use of any Access Credentials or such Terminal, or (ii) of any loss, replacement and/or change of number, as the case may be, of any mobile phone or other Terminal or other device (as the case may be) used by you for the generation and/or reception of Access Credentials. You shall be solely responsible and liable for all losses and consequences arising from or in connection with any failure by you to comply with any of the foregoing.
4. Using Our Application
4.1 The information and materials contained in this Application are provided on an "as is" and "as-available" basis without representation and/or warranty of any kind, either express or implied. In particular, no warranty or responsibility is assumed by Great Eastern and our related or holding companies regarding non-infringement, security, accuracy, completeness, adequacy, reasonableness, fitness for a purpose, or freedom from computer viruses in connection with the information and materials provided. Great Eastern and its related corporations do not accept any liability for any loss, damage, cost or other expense, whether wholly or partially, directly or indirectly, arising from any error, inaccuracy, or omission in relation to this Application to the extent that such liability is not excluded by law.
4.2 You agree that you will not hold Great Eastern liable for any financial or other losses that you may incur as a result of using any of the features of this Application, including but not limited to the “Fund Switch” Service Request, the “Withdrawal Fund” Service Request, the “Apportion Fund” Service Request and/or the “Update of Personal Particulars” Service Request.
4.3 “Fund Switch” Service Request
(a) You are switching funds on your own accord and at your own risk. You will ensure the suitability of the funds selected.
(b) Great Eastern has the absolute discretion to act according to relevant legislation, rules and regulations having the force of law.
(c) You understand that all limits stated are subject to revision and that Great Eastern reserves the right to reject or adjust the application if the limits are not met
(d) You confirm and undertake that any funds and assets you place with Great Eastern, and any profits that they generate, will comply with the tax laws of the countries in which you reside and have citizenship.
(e) The information given in this application is true and complete to the best of your knowledge. You have not withheld any facts that may affect the assessment and acceptance of this application.
(f) By submitting an application to switch funds using the Application, you understand that the effective price depends on the submission cut off time.
4.4 “Withdraw Fund” Service Request
(a) You understand that all withdrawal limits stated are subject to revision and that Great Eastern reserves the right to reject or adjust the application if the limits are not met.
(b) You confirm and undertake that any funds and assets you place with Great Eastern, and any profits that they generate, will comply with the tax laws of the countries in which you reside and have citizenship.
(c) By submitting this application, you understand that the effective price depends on the submission cut off time.
(d) If you are performing a full withdrawal, you acknowledge that the policy will be cancelled and agree that Great Eastern will be discharged from all liability arising out of or in connection with the policy. You will keep Great Eastern indemnified against all losses, costs, damages and expenses incurred by Great Eastern arising from the surrender of this policy.
(e) If you have selected PayNow as your settlement option, you confirm that you have registered and linked your Singapore NRIC to your bank account (“PayNow Account”) of which you are the Iegal and beneficial owner. You hereby authorise and instruct The Great Eastern Life Assurance Company Limited to deposit the payment into your PayNow Account and to verify your PayNow Account with the respective Bank (where necessary). In the event that the PayNow transaction is unsuccessful, you agree and acknowledge that a cheque for the payment will be issued to you.
(f) You understand that if the Policy is under a Trust (Irrevocable) Nomination, Great Eastern shall be discharged from all liability upon payment to anyone of the Trustees, who is not the Policyholder, who is to hold the surrender value for the benefit of every nominee nominated under the Trust Nomination for the Policy.
4.5 Terms and Conditions Governing “Apportion Fund” Service Request
(a) You understand that all apportionment limits stated are subject to revision and that Great Eastern reserves the right to reject or adjust the application if the limits are not met.
(b) You confirm and undertake that any funds and assets you place with Great Eastern, and any profits that they generate, will comply with the tax laws of the countries in which you reside and have citizenship.
(c) The information given in this application is true and complete to the best of your knowledge. You have not withheld any facts that may affect the assessment and acceptance of this application.
(d) You declare that you have decided to change premium apportionment on your own accord and at your own risk.
(e) You will ensure the suitability of the funds selected and agree that Great Eastern has the absolute discretion to close any of the selected funds and prevent any allocation of premiums or fund switching to the funds that are to be closed, provided that it is in accordance with:
(i) All relevant legislation.
(ii) Rules and regulations having the force of law and all orders.
(iii) Notices and guidelines issued by the governmental regulatory body or ministry supervising and regulating Great Eastern.
You will receive at least 1 months' notice before any fund closure in accordance with the Notices and Correspondences clause of your policy or the prevailing period of notice required under any regulatory notice or guideline, whichever period is longer.
4.6 “Update Personal Particulars” Service Request
By making an “Update Personal Particulars” Service Request on the Application, you confirm that you have authorised and/or instructed Great Eastern to make corrections and/or changes to your personal particulars for your Great Eastern policies as indicated via the Application.
5.1 By accessing and/or using this Application, you agree and consent to Great Eastern and its related corporations (collectively, the “Companies”), as well as the Companies’ authorised service providers and relevant third parties, collecting, using and/or disclosing your personal data for purposes reasonably required by the Companies to administer and/or manage your Account in this Application and such other purposes as described in Great Eastern’s Privacy Statement (collectively, the “Purposes”) which is accessible from Great Eastern Singapore’s website, which you confirm you have read and understood. For more details, please refer to the Privacy and Security Policy on Great Eastern’s website.
5.2 Marketing Consent
We* want to ensure that you fully enjoy our services and products as we update you on relevant news, promotions and advice. We* will keep in touch with you through post, digital platforms (including social media), email, phone number-based messaging^ and voice calls.
Your privacy is of utmost importance to us* and you can withdraw your consent via Great Eastern’s website at any time.
* In this clause 5.2, “We/us” refers to Great Eastern, our related corporations, respective representatives and agents. For more details, please refer to the Privacy and Security Policy on Great Eastern’s website.
^ Examples include SMS/MMS, WhatsApp, WeChat.
5.3 Withdrawal of Marketing Consent
If you wish to withdraw your consent for receiving updates and rewards from Great Eastern about its products and services, please complete the withdrawal of marketing consent form available at https://www.greateasternlife.com/sg/en/withdrawal-form.html.
6. Links to Third Party Websites
This Application may contain links to other third party websites owned and/or operated by third part(ies) who are not related or affiliated to Great Eastern (“Third Party Websites”). The Third Party Websites are not under the control and/or supervision of Great Eastern. By providing hyperlinks or connection to third parties' services/products/contents via this Application, Great Eastern is not responsible for the contents, and shall not be deemed to endorse, invite, recommend, approve, guarantee, or introduce any third parties or their services/products/contents, or have any form of cooperation with such third parties and websites. Great Eastern is not a party to any contractual arrangements entered into between you and the third party provider of services/products/contents unless otherwise expressly specified or agreed to by Great Eastern. Great Eastern shall have no obligations or liabilities whatsoever in relation to the offer(s), goods and/or service(s) (including, without limitation, their quality and supply) provided by third parties.
7. Performance of this Application
7.1 Great Eastern makes no guarantee as to the reliability or other performance of this Application. The performance of this Application depends on various factors, including the functions, capacity and configuration of your mobile phones or access device, the speed of your internet connection, and the number of users assessing the systems which support this Application.
7.2 Great Eastern will use reasonable endeavours to generally make this Application available during its normal business hours. However, the availability of this Application depends on various third party service providers, and accordingly, Great Eastern do not represent, warrant or guarantee that:
(a) your use of this Application will be continuous, uninterrupted, secure or error-free;
(b) there will be no occurrence of network connection difficulties.
7.3 You acknowledge that this Application may not be available for use from time to time, and that you may be disconnected from your use of this Application at any time for any reason, including if:
(a) any network connection difficulties occur;
(b) the systems providing those services are unavailable for any reason (including system maintenance);
(d) Great Eastern decides, in its sole discretion to suspend, block or terminate your access to this Application for any reason.
7.4 The information available through this Application is subject to updates from time to time. While Great Eastern aims to ensure that it is up-to-date, there may be delays, errors or omissions that could affect its currency or accuracy due to the nature of the Internet. Accordingly, Great Eastern does not represent or warrant that this Application will be available at all times and that access will not be interrupted, that any defects will be corrected, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your mobile phones or access device. Great Eastern is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send or receive. You have the sole responsibility for adequate protection of mobile phones/access device and backup of data by taking sensible and prudent actions.
8. Registration, Termination and Account Security
8.1 When using this Application, we expect you to help us maintain the security of your Account. You acknowledge and agree:
(a) you will not invent a false persona, but will use your real identity at all times on this Application.
(b) you will not impersonate another person or entity, or otherwise misrepresent your affiliation with another person or entity.
(c) to the fullest extent permitted under Singapore law, you shall keep all information obtained through this Application secure and confidential.
(d) you are solely responsible for maintaining the confidentiality of the information you hold for your Account, including your password, and for any activity that occurs under or through your Account as a result of your failure to keep this information private, secure and confidential. Great Eastern is not liable for any loss, damage, cost or other expense incurred by you due to any third party using your account or password as a result of your failure to keep your account information private, secure, and confidential.
(e) if you invent a false persona or misrepresent your real identity we reserve the right to disable, delete, or suspend your account.
(f) if we disable, delete, or suspend your account, you agree you will not create another account without our permission.
8.2 Great Eastern reserves the right, at its sole discretion, to do any of the following, at any time, without notice:
(b) determine, impose, and vary from time to time the scope and/or any restrictions on the use of this Application to be made available;
(c) suspend or terminate operation of or access to this Application, or any portion of this Application, for any reason;
(d) expand, add, modify, reduce, remove, or change functionalities in this Application, or any portion of this Application;
(e) interrupt the operation of this Application, or any portion of this Application, as necessary to perform maintenance, error correction, or other changes; and
(f) purge your data from our Application at any time without notice, and you agree that we will not be liable for any loss alleged to result from purging, deletion, or failure to store your data.
8.3 Please note that by posting any information or content onto this Application or through instant messaging, you acknowledge that you are allowing Great Eastern and its related corporations to access and use that information, and to associate it with you. Please also take note that you should not post any information (be it texts, graphics, drawings, images, photographs, audio or video materials) that:
(a) could disable, overburden, or impair the proper working of this Application, including uploading viruses or other malicious code;
(b) may be unlawful, fraudulent, violent, abusive, obscene, profane, hateful, offensive, racist, discriminatory or otherwise objectionable or unreasonable;
(c) threaten, defame, bully, intimidate, or harass any person or organization or Great Eastern generally;
(d) are solicitations, advertisements, endorsements or misrepresentation of any kind, or unauthorized commercial communications (such as spam);
(e) infringe upon any entities' privacy and rights including intellectual property right or proprietary right of any person or organization;
(f) are off-topic; and
(g) contain anything else Great Eastern deems to be inappropriate.
You acknowledge and agree that Great Eastern shall have the right to modify, remove, or delete any posted data that in Great Eastern's sole opinion may be in breach of this term.
8.4 Great Eastern requires you to take the necessary precautionary measures to ensure that no unauthorised access is given to your Account. Therefore, you must not allow anyone other than yourself access to this Application. You must notify us immediately by email to Wecare-SG@greateasternlife.com if you suspect that your Account had been accessed by an unauthorised person.
8.5 Great Eastern reserves the right to suspend or terminate your Account at its sole discretion, including but not limited to upon the occurrence of one or more of the following:
(b) you abuse the Application in any manner whatsoever; or
(c) you commit any fraud.
8.6 Pertaining to your account, please take note that:
(a) The email used to create your account may only be changed or updated by creating a new account and deleting the previous account.
(b) Your account will be automatically suspended due to inactivity if you do not log in at least once within 18 months of your last login.
(c) Your account will be deleted automatically due to inactivity if you do not log in at least once within 30 months of your last login.
9. Limit of Liability
9.1 By accessing or using this Application, you expressly agree that such access or use is at your own risk. Great Eastern assumes no responsibility and shall not be held liable for any loss, damage, cost or other expenses which you may incur as a result of any information or materials provided on this Application and/or your access to, or the use of, this Application.
9.2 You acknowledge that you are fully aware and expressly agree that the use of this Application is subject to having all your relevant activities and information or data hereof monitored and recorded by Great Eastern. These activities include but are not limited to your mobile device ID, mobile device model, usage behaviour of the Application, data synced or logged with this Application, links shared and location (for location, where permission is given by you). Emails and other communication sent to Great Eastern and/or this Application over the Internet cannot be guaranteed to be completely secure. Access to and use of your email address is at your own risk and subject to any terms and conditions applicable to such access/use. Great Eastern is not responsible for any damages incurred by you if you send an email/message to Great Eastern or if Great Eastern sends an email/message to you at your request, over the Internet.
11. Intellectual Property
All copyright and other intellectual property rights in this Application are proprietary to Great Eastern and its licensors. You shall not (and shall not attempt to):
(a) use, copy, reproduce, altered, adapt, broadcast, modify, stored in a retrieval system, create derivative works or use in any other way for public or commercial purposes any part of this Application;
(b) modify, reproduce, distribute, translate, transmit or tamper with any part of this Application;
(c) create derivate works of or from any part of this Application;
(d) permit or assist any person to engage in any act described in paragraphs 10(a) to 10(c) above.
12. Ownership of Information
13. Personal Data Protection
Any personal information submitted to Great Eastern via this Application will be subject to Great Eastern Privacy Statement (Singapore). For more details, please refer to the Privacy and Security Policy on Great Eastern’s website.
14. Use of analytic tools and off-site data storage
In connection with this mobile application and your use thereof, from time to time, Great Eastern may elect to use or deploy analytic tools to, amongst others, facilitate tracking and analysis of the use of the mobile application and its functions within. Use or deployment of such analytic tools may involve or require Great Eastern’s utilisation of cloud-based internet storage or any other forms of off-site data storage (as Great Eastern may deem appropriate in its absolute discretion) of the information to be analysed. Provision of your unique account identifier, and details of your access to and use of this mobile application (including but not limited to, your frequency of access, timing and length of time of access, features of this mobile application accessed and other activities on this mobile application) to the relevant providers of such services, and cloud-based internet storage or other off-site storage of such data, would be required in such circumstances.
15. Third party rights
16. Great Eastern Alert Notification Service
16.1 The Insurer at its sole discretion may provide its Customers with the “Great Eastern e-Alerts Notification Service” which includes, without limitation, the “Great Eastern e-Alerts Service” (or by whatever name designated to it in the future) through electronic mail, facsimile, SMS or such other media as the Insurer may deem appropriate.
16.2 The scope and features of the Great Eastern e-Alerts Notification Service shall be as determined or specified by the Insurer from time to time. The Insurer shall be entitled to modify, expand or reduce the Great Eastern e-Alerts Notification Service at any time and from time to time without notice as the Insurer may deem fit without assigning any reason therefore.
16.3 Any notification provided by the Insurer under the Great Eastern e-Alerts Notification Service shall be transmitted or otherwise made available to the Customer at such times as the Insurer may reasonably deem fit.
16.4 The Insurer may contract with one or more third parties to provide, maintain or host the Great Eastern e-Alerts Notification Service. The Customer acknowledges that, in providing the Great Eastern e-Alerts Notification Service, the Insurer will have to release and transmit the Customer’s information (including information relating to the Customer’s Account(s) with the Insurer) to such third parties. The Customer hereby agrees and consents to such release and transmission of its information to such third parties. The Customer further acknowledges that its information may be placed and stored in servers outside the Insurer’s control.
16.5 A notification under the Great Eastern e-Alerts Notification Service shall be considered to be sent by the Insurer upon the broadcast of the notification by the third party to the contact particulars designated by the Customer for the purposes of the Great Eastern e-Alerts Notification Service, regardless of whether such notification is actually received by the Customer. The Insurer does not guarantee receipt of any notification under the Great Eastern e-Alerts Notification Service by the Customer and the Customer understands and agrees that the Customer’s use of the Great Eastern e-Alerts Notification Service is at the Customer’s own risk.
16.6 The Customer shall notify the Insurer immediately of any change in its contact particulars designated by the Customer for the purposes of the Great Eastern e-Alerts Notification Service. Where the Customer fails to inform the Insurer of such change, the Insurer shall not be responsible for any loss, damage or other consequence, which the Customer may suffer as a result of any notification being sent to the Customer’s latest designated contact particulars in the Insurer’s records.
16.7 All references to a time of day in any notification sent by the Insurer under the Great Eastern e-Alerts Notification Service are to Singapore time (unless otherwise specified by the Insurer).
16.8 All notifications under the Great Eastern e-Alerts Notification Service shall be from the Insurer to the Customer only and the Customer should never attempt to communicate with the Insurer by directing any communication to the sender’s contact number, address or other particulars which may be indicated on the notification.
16.9 The Customer agrees that the Insurer, its directors, officers, employees and agents are not responsible for any losses or damages, including legal fees, that may arise, directly or indirectly, in whole or in part, from: (a) the non-delivery, delayed delivery, or the misdirected delivery of a notification under the Great Eastern e-Alerts Notification Service; (b) any inaccurate or incomplete content in a notification under the Great Eastern e-Alerts Notification Service; or (c) the reliance by the Customer on or use of the information provided in a notification under the Great Eastern e-Alerts Notification Service for any purpose.
17. Inconsistency in wordings
18. No Waiver
20. Governing Law and Jurisdiction
The above Term of Use shall be governed and construed in all respects in accordance with the laws of Singapore. You and Great Eastern agree to submit to the exclusive jurisdiction of the Singapore courts.
21. Contact Information
You may contact us at:
1 Pickering Street
Great Eastern Centre
22. Posting of Notice
Any notice that we intend to give to you may be carried out by posting the relevant notice on this Application and/or by sending any such notice to any contact information you may have provided to us. You are deemed to have received notice of the same upon us posting the relevant notice on this Application and/or by sending any such notice to any contact information you may have provided us with.
23. About us
We are known as The Great Eastern Life Assurance Company Limited. Our email address is as shown in this Application. Our country of domicile is Singapore. You can contact our customer service at the aforementioned email address.