Last Update : 16 April 2019
Please read the terms below carefully.
If you are under 18 years of age, you may only use this Platform with the consent of and under the supervision of your parent or legal guardian who shall be responsible for your use of this Platform.
1. Introduction to Our Application
The Rewards Programme (the "Application") is provided by Great Eastern. This Application is a mobile application aim to drive customer engagement. This application provides easy access to redeem vouchers, rewards and privileges. The Application is accessible to both Great Eastern customers and non-Great Eastern customers. To use this Application, you must register an account with the Application by providing a valid email address and a password (herein refers to UPGREAT members “Members”).
Any member of the general public may download the Application and sign up for an account.
3. Using Our Application
3.1 The information and materials contained in this Application are provided on an "as is" and "as-available" basis without representation and/or warranty of any kind, either express or implied. In particular, no warranty or responsibility is assumed by Great Eastern and our related or holding companies regarding non-infringement, security, accuracy, completeness, adequacy, reasonableness, fitness for a purpose, or freedom from computer viruses in connection with the information and materials provided. Great Eastern and its related corporations do not accept any liability for any loss, damage, cost or other expense, whether wholly or partially, directly or indirectly, arising from any error, inaccuracy, or omission in relation to this Application to the extent that such liability is not excluded by law.
4.1 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 (such as awarding you with the Points which you have earned for participating in the challenges) and such other purposes as described in Great Eastern’s Privacy and Security Policy (collectively, the “Purposes”) which is accessible from Great Eastern’s website, which you confirm you have read and understood.
4.2 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 paragraph [4.2] only, “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. Third party Links
This Application may contain links to other third party websites owned and/or operated by third part(ies) who are not related or affiliated to Great Eastern (“Third Party Websites”). The Third Party Websites are not under the control and/or supervision of Great Eastern. By providing hyperlinks or connection to third parties' services/products/contents via this Application, Great Eastern is not responsible for the contents, and shall not be deemed to endorse, invite, recommend, approve, guarantee, or introduce any third parties or their services/products/contents, or have any form of cooperation with such third parties and websites. Great Eastern is not a party to any contractual arrangements entered into between you and the third party provider of services/products/contents unless otherwise expressly specified or agreed to by Great Eastern. Great Eastern shall have no obligations or liabilities whatsoever in relation to the offer(s), goods and/or service(s) (including, without limitation, their quality and supply) provided by third parties.
6. Performance of the Application
6.1 Great Eastern makes no guarantee as to the reliability or other performance of the Application. The performance of the Application depends on various factors, including the functions, capacity and configuration of your mobile phones or access device, the speed of your internet connection, and the number of users assessing the systems which support the Application.
6.2 Great Eastern will use reasonable endeavours to generally make the Application available during its normal business hours. However, the availability of the Application depends on various third party service providers, and accordingly, Great Eastern does not represent, warrant or guarantee that:
6.3 You acknowledge that the Application may not be available for use from time to time, and that you may be disconnected from your use of the Application at any time for any reason, including if:
6.4 The information available through the Application is subject to updates from time to time. While Great Eastern aims to ensure that it is up-to-date, there may be delays, errors or omissions that could affect its currency or accuracy due to the nature of the Internet. Accordingly, Great Eastern does not represent or warrant that this Application will be available at all times and that access will not be interrupted, that any defects will be corrected, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your mobile phones or access device. Great Eastern is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send or receive. You have the sole responsibility for adequate protection of mobile phones/access device and backup of data by taking sensible and prudent actions.
7. Registration and Account Security
7.1 When using the Application, we expect you to help us maintain the security of your Account. You acknowledge and agree:
7.2 Great Eastern reserves the right, at its sole discretion, to do any of the following, at any time, without notice:
7.3 Please note that by posting any information or content onto this Application or through instant messaging, you acknowledge that you are allowing Great Eastern and its related corporations to access and use that information, and to associate it with you. Please also take note that you should not post any information (be it texts, graphics, drawings, images, photographs, audio or video materials) that:
You acknowledge and agree that Great Eastern shall have the right to modify, remove, or delete any posted data that in Great Eastern's sole opinion may be in breach of this term.
7.4 Great Eastern requires you to take the necessary precautionary measures to ensure that no unauthorised access is given to your Account. Therefore, you must not allow anyone other than yourself access to the Application. You must notify us immediately by email to firstname.lastname@example.org if you suspect that your Account had been accessed by an unauthorised person.
7.5 Update & change of personal data
8. Rewards, Challenges & Points
8.1 When using the Application, we expect the data you enter in the Application to be accurate and true to the best of your ability. You acknowledge and agree that:
8.2 Members are responsible for the usage of all e-voucher(s) found in their “My Voucher” tab before the expiry date, failing which, the e-voucher shall be null; void and removed from the Member’s “My Voucher” tab and such e-vouchers shall not be replaced or extended.
9. Instant Offers
9.1 Members acknowledge and accept that the use of the e-voucher(s) under the Instant Offers section is subject to the terms and conditions imposed by the participating Merchants providing the relevant reward.
9.2 Instant offers e-voucher(s) in the form of digital vouchers; promo codes or barcodes:
9.3 E-vouchers are not exchangeable for cash or other e-vouchers.
9.4 Members who have redeemed physical voucher(s), item(s) or prize(s) are not allowed to sell, or request for an exchange.
9.5 If the value of the goods and/or services purchased by the Member using the e-voucher exceeds the value stated therein, the Member shall be responsible for paying the difference to the Merchant.
9.6 E-voucher(s) that the Member is entitled to can be found in Member’s “My Voucher” tab and may be transferable as gifts (unless otherwise provided for) to third parties. However, the recipient must also be a Member in order to receive the e-voucher as a gift.
10. UPGREAT Points
10.1 Members can earn UPGREAT points via the following channels
10.2 100 UPGREAT points (G100) is equivalent to S$1 (Singapore Dollar) and 1 GETGREAT point is equivalent 1 UPGREAT point.
10.3 Great Eastern may from time to time, amend the UPGREAT points conversion rate without prior notice to the Members.
10.4 If there is any mistake or error in the crediting or deduction of UPGREAT points, Great Eastern reserves the rights to credit or deduct the correct number of UPGREAT points from the Member’s account.
10.5 Members may use their UPGREAT points to redeem for e-vouchers from the points catalogue list through the Application and redemption will be made at the participating Merchant’s premises; websites or location as stated under “participating outlet” within the application.
10.6 To redeem an e-voucher(s) from the points catalogue, the Member must have in his or her account more than or at least the same amount of UPGREAT points as the amount of UPGREAT points required for redemption of such e-voucher(s). Upon successful redemption, the corresponding amount of UPGREAT points will be deducted from the Member’s account.
10.7 Great Eastern may in its discretion, apply different tiers of UPGREAT points required for the redemption of each e-voucher. For example, the UPGREAT points required for a Main user may differ from those required for a Basic user, or such other tiers or types of identification as may be implemented from time to time.
10.8 Great Eastern may at its discretion, restrict the redemption of certain e-voucher(s) to selected Members.
10.9 E-voucher(s) may only be redeemed in full with UPGREAT points, partial redemptions are not allowed.
10.10 The list of available e-voucher(s) in the points catalogue and the number of UPGREAT points required for the redemption of the respective e-voucher shall be determined by Great Eastern and may be adjusted from time to time.
10.11 All e-voucher(s) redeemed using UPGREAT points are non-refundable and non-returnable. However, if there is a mistake or error in the amount of UPGREAT points required for the redemption, Great Eastern reserves the right to cancel the Member’s redemption request or process the Member’s redemption request and adjust the correct amount of UPGREAT points required for the redemption from the Member’s account.
10.12 All e-vouchers are subjected to availability and on a first-come-first served basis. In the event that the requested e-voucher is out of stock or unavailable for whatever reason, Great Eastern reserves the right to substitute the e-voucher with a voucher of similar value or remove the e-voucher from the catalogue.
10.13 All e-voucher(s) once redeemed (whether utilised or not) cannot be cancelled, returned, replaced, refunded or exchanged for cash, UPGREAT points or any other items. Any UPGREAT points used for successful redemption of an e-voucher shall not be reinstated under any other circumstances.
10.14 Members may use their UPGREAT points to participate in campaigns or contests (as and when applicable) available on the Application. The participation of Members in each campaign or contest shall be subjected to the specific terms & conditions governing such campaign or contest.
10.15 All e-voucher(s) once redeemed (whether utilised or not) cannot be cancelled, returned, replaced, refunded or exchanged for cash, UPGREAT points or any other items. Any UPGREAT points used for successful redemption of an e-voucher shall not be reinstated under any other circumstances.
10.16 Members may use their UPGREAT points to participate in campaigns or contests (as and when applicable) available on the Application. The participation of Members in each campaign or contest shall be subjected to the specific terms & conditions governing such campaign or contest.
11. UPGREAT points conversion programme
11.1 To be eligible to perform conversion transactions in respect of UPGREAT points to the relevant Merchant’s loyalty points programme, or vice versa as listed in the points catalogue, Member must also be a member of the relevant Merchant’s loyalty programme, and membership in both Application and such selected loyalty programme must be valid from the time the conversion request is made on the Application until the conversion transaction is complete.
11.2 Members must have the requisite number of UPGREAT points or loyalty points of the relevant Merchant to perform the intended conversion transaction, throughout the entire conversion process until the conversion transaction is completed.
11.3 Great Eastern may in its sole and absolute discretion, apply different tiers of UPGREAT points required for conversion transactions to selected Members.
11.4 The list of loyalty points programme Merchants and the conversion rates shall be determined by Great Eastern and the loyalty points programme Merchants and such conversion rates may vary from time to time without prior notice. For the avoidance of doubt, Great Eastern and/or the loyalty points programme Merchants may, from time to time, amend the UPGREAT points and/or Merchant’s loyalty points required or received for each conversion transaction, or remove a loyalty points programme Merchant from the list of participating merchants without prior notice.
11.5 Member’s participation in this conversion programme is also subject to the terms and conditions stipulated by the respective Merchants’ loyalty programmes.
11.6 In the event of a mistake or error in the number of UPGREAT points deducted or issued for the conversion transaction, Great Eastern reserves the right to cancel the Member’s conversion request or process the Member’s conversion request and deduct or issue the correct number of UPGREAT points in respect of such conversion transaction from the Member’s account.
12. Limit of Liability
12.1 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.
12.2 You acknowledge that you are fully aware and expressly agree that the use of this Application is subject to having all your relevant activities hereof monitored and recorded by Great Eastern. These activities include coaching conversations, data synced or logged with the Application and location (where permission is given by you). Emails and other communication sent to Great Eastern and/or the Application over the Internet cannot be guaranteed to be completely secure. Access to and use of your email address is at your own risk and subject to any terms and conditions applicable to such access/use. Great Eastern is not responsible for any damages incurred by you if you send an email/message to Great Eastern or if Great Eastern sends an email/message to you at your request, over the Internet.
14. 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):
15. Ownership of Information
16. Personal Data Protection
Any personal information submitted to Great Eastern via this Application will be subject to Great Eastern’s Privacy and Security Policy available on Great Eastern’s website.
17. Third party rights
18. Inconsistency in wordings
19. No Waiver
21. Governing Law and Jurisdiction
22. Contact Information
22.1 You may contact us at:
1 Pickering St
Great Eastern Centre
22.2 Any notice that we intend to give to you may be carried out by posting the relevant notice on this platform and/or by sending any such notice to any contact information you may have provided to us. You are deemed to have received notice of the same upon us posting the relevant notice on this platform and/or by sending any such notice to any contact information you may have provided us with.
23. About us
We are known as The Great Eastern Life Assurance Company Limited. Our email address is as shown in the Application. Our country of domicile is Singapore. You can contact our customer service at the aforementioned email address.
Unless the context otherwise requires, the following words shall have the following meanings:
“Account” means your account registered with the Application.
“Content” or “Contents” means any data and/or information that is available, accessible or stored in this Platform in an electronic form, including, without limitation, any information, advertisements, documents, text, files, images, sounds, moving images and videos.
“Basic” means a user who has signed up for an UPGREAT account
“Main” means a user who has signed up for an UPGREAT account and has verified themselves as a Great Eastern’s Policyholder
“Points” means UPGREAT points that Great Eastern may at its sole and absolute discretion permit you to earn when you participate in any challenges organised by Great Eastern and published in the Application, or for other initiatives or under any other program devised and/or managed by Great Eastern from time to time.
“Services” means any of the Internet-based, mobile based, interactive information services, software, content, or interactive tools that may be provided by Great Eastern.
25. 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.