Please read the following Terms and Conditions carefully before you register as a member using the Tokio Marine Life - Customer Website. By clicking on the "I ACCEPT" button below, you are deemed to have read, understood and accepted all terms and conditions herein. These conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current conditions to which you are bound. If you do not accept any of these terms and conditions, please discontinue access to this website immediately and/ or use of the services provided.
By registering, you agree that the User ID and password is personal to you and you shall at all times maintain the confidentiality of your User ID and password and not to disclose them to any third party. You agree to indemnify TOKIO MARINE LIFE INSURANCE MALAYSIA BHD. and its subsidiaries and affiliates (collectively known as "TOKIO MARINE LIFE") against any claims arising from your failure to maintain the confidentiality of your User ID and/or password. You shall immediately notify TOKIO MARINE LIFE if you learn of or suspect: (a) any loss of theft of your User ID and/or password; or (b) any unauthorized use of your User ID and/or password.
To the fullest extent permissible pursuant to applicable law: (1) the materials on this website are provided "as is" and without warranties of any kind either expressed or implied and TOKIO MARINE LIFE disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose; (2) TOKIO MARINE LIFE does not warrant that the website or the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components; and (3) TOKIO MARINE LIFE does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. For complete details please refer to the actual policy or the relevant product or services agreement. This website may be linked to other websites which are not maintained by TOKIO MARINE LIFE. TOKIO MARINE LIFE is not responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by TOKIO MARINE LIFE of the websites or the content thereof. You acknowledge and agree that you access such websites at your own risk.
TOKIO MARINE LIFE shall in no event be liable in any manner whatsoever for any damages, loss or expenses howsoever arising including without limitation, direct or indirect, special, incidental, consequential or punitive damages arising in connection with your access of this website or the inability to access or use this website, reliance on the information contained in the website, any technical, hardware or software failure of any kind, the interruption, error, omission, delay in transmission, computer viruses or you downloading any images, video or audio from this website.
This website is wholly owned and operated by TOKIO MARINE LIFE and remains the property of TOKIO MARINE LIFE at all times. Except as otherwise expressly permitted by TOKIO MARINE LIFE, no materials from this website may be copied, reproduced, republished, modified, stored in a retrieval system, used for creating derivative works, uploaded, posted, transmitted (by any form or by any means), distributed or used in any other way for public or commercial purposes without the prior written permission from TOKIO MARINE LIFE. TOKIO MARINE LIFE neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.
Unless otherwise expressly set forth herein, TOKIO MARINE LIFE makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws and regulations.
Any information, other than personal data or information, you transmit to TOKIO MARINE LIFE via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and nonproprietary and will become the property of TOKIO MARINE LIFE. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. TOKIO MARINE LIFE is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to TOKIO MARINE LIFE via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. You waive all applicable rights you may have in any information (other than personal data) you transmit to TOKIO MARINE LIFE via this website or otherwise, for the purposes of this section of the Conditions.
All trademarks, service marks, trade names, logos, and icons are the property of TOKIO MARINE LIFE. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of TOKIO MARINE LIFE's intellectual property including, but not limited to, any trademark or logo displayed on this website without the prior written permission of TOKIO MARINE LIFE. Your use of the trademarks and logos displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.
To the extent that any software is made available or provided to you on this website, TOKIO MARINE LIFE grants you a non-exclusive, limited and personal license to download and use the software for your own personal, non-commercial use only. No other rights to the software are granted. All rights including intellectual property rights in the software remain the property of TOKIO MARINE LIFE or the relevant licensors or owners of the software and, except as permitted by law, you may not reverse engineer, decompile, modify or tamper with the software.
At TOKIO MARINE LIFE, we take our user's security and confidentiality very seriously. While there is inherent risk in doing business with anyone over a public medium like the Internet, we have implemented measures to reduce these risks. In order to safeguard and protect your privacy, the secure site utilizes advanced security techniques, which requires Mozilla Firefox version 5.0 or above, Google Chrome version 14.0 or above, Safari 5.1 or above, or Microsoft Internet Explorer version 9.0 or above.
These Conditions will be governed by the laws of Malaysia and the parties agree to submit to the exclusive jurisdiction of the courts of Malaysia.
As a result of your interaction with this website, TOKIO MARINE LIFE may hold and process personal information obtained about you and store the information with its parent and related company when you access our website and use it for servicing our relationship or potential relationship with you and identify products and services which are relevant to you from within TOKIO MARINE LIFE, and to evaluate the effectiveness of our marketing of this website and for statistical analysis. We will not disclose any such information outside of TOKIO MARINE LIFE except where you have consented to such disclosure, where it is required/obliged by law, regulation or any other directive or order by any authority having jurisdiction over us, where it is to give effect to an instruction given by you, to provide you with the service herein, to enforce and protect our rights and property or any provisions of the Conditions herein, or, where necessary and under requirement of strict secrecy, to sub-contractors or persons acting as our agents. Please see our Privacy Policy on further information on how we safeguard your personal information.
You hereby irrevocably agree to indemnify and keep TOKIO MARINE LIFE indemnified from all liabilities, claims, losses (directly or indirectly) and expenses, including any legal fees on a full indemnity basis, that may be incurred by TOKIO MARINE LIFE in connection with or arising from your use or misuse of this website and the services provided herein; whether deliberate OR otherwise, or your breach of these terms and conditions howsoever occasioned, or any infringement of rights of any third party in conjunction with your use or access to this website.
TOKIO MARINE LIFE reserves the right to terminate and/or suspend your access to this website and/or your use of this website at any time for any reason. In particular and without limitation, TOKIO MARINE LIFE may terminate and/or suspend your access to this website should you violate any of these conditions or violate the rights of TOKIO MARINE LIFE, of any other user or of any third party.
The failure of TOKIO MARINE LIFE to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision.
If any part of these terms and conditions is determined to be invalid or unenforceable pursuant to any law, which is applicable to TOKIO MARINE LIFE, then the invalid and unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision, without invalidating any other provisions of the terms and conditions herein.
