These terms and conditions cover registered users and Loyalty Card holders
- Loyalty Card
1.1 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 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.
1.2 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.
1.3 Upon approval of your application, Great Eastern may offer you 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.
1.4 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.
1.5 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 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.
1.6 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. You agree not to hold Great Eastern liable in the event that the security and/or confidentiality of your Username and/or password has been compromised
1.7 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.
1.8 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.
1.9 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.
1.10 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 unauthorized 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.
- Loyalty Points
2.1 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.
2.2 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.
2.3 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 Singapore dollar 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.
2.4 The accumulation of Loyalty Points does not entitle you to any vested rights, and in accumulating Loyalty Points and you understand that you may not rely on the continued availability of any Reward.
2.5 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.
3.1 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.
3.1 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.
3.2 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 on unlawfully recorded; (b) any Loyalty Points recorded in error; and (c) any Loyalty Points relating to a Transaction which is or has been cancelled.
3.3 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.
3.4 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.
3.5 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
3.6 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.
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. Great Eastern shall be entitled to send you offers, promotional and marketing materials with regard to the Loyalty Program from time to time.
Great Eastern shall be entitled to disclose and you irrevocably 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) its related corporations, associates, subsidiaries, affiliates, 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.
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.
- Term and Termination
7.1 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.
7.2 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.
7.3 If you do not agree to be bound by the terms and conditions of this Agreement and/or upon termination of this Agreement, you must immediately discontinue your use of the Loyalty Card and your participation in the Loyalty Program, and return the Loyalty Card to us.
- Limitation of Liability
8.1 Nothing in this Agreement excludes the liability of either Party in respect of:
(a) death or personal injury caused by its negligence; and
(b) liability which may not otherwise be limited or excluded under applicable law.
8.2 Subject to Clause 8.1 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.
- 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 Singapore. By 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 Singapore and you agree to submit to the exclusive jurisdiction of the Singapore courts.
10.1 The terms and conditions herein are subject to change (including, without limitation, modification, deletion or replacement thereof) without notice. By continuing to use 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 use of the Loyalty Card and your participation in the Loyalty Program, and return the Loyalty Card to us.
10.2 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.
10.3 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.
10.4 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 first class pre-paid post, cable, 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.
10.5 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.
10.6 These terms and conditions constitute the entire agreement between you and Great Eastern with respect to your use of the Loyalty Card and supersedes and replaces all prior and contemporaneous agreements on the subject, if any.
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", "our", "ours" means The Great Eastern Life Assurance Co. Ltd and/or its holding company and/or its subsidiaries and/or the subsidiaries of its holding company.
"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.