GENERAL TERMS AND CONDITIONS

1. This web site is operated by AXA AFFIN Life Insurance Berhad (Co. No. 723739-W) ("AXA AFFIN"). Please read these terms and conditions of use ("terms") carefully. By accessing this web site you agree to be bound by these terms. If you do not agree to be bound by these terms you should not access or view this web site.
    
2. AXA AFFIN reserves the right to add to, modify, enhance or remove any information contained herein at any time and without prior notice.
    
3. The AXA AFFIN website is an information site intended both for AXA AFFIN customers and for non-customers. The information contained on this website is given strictly for informative purposes and does not entail any legal commitment or contractual agreement on the part of AXA AFFIN. The web site is provided to you free of charge, without any warranties or guarantees unless specially stated. Neither AXA AFFIN nor any of its subsidiary or affiliated companies accepts any liability to you or as required by law whether in contract, tort (including negligence) or otherwise, arising out of or in connection with this web site. Your sole remedy is to discontinue using this web site.
    
4. AXA AFFIN has made all reasonable efforts to keep this web site up to date. However, AXA AFFIN accepts no liability in relation to the accuracy nor the completeness of any information contained in this web site.
    
5. Except as expressly provided for on this web site AXA AFFIN is not responsible for the content or use of any web pages or any messages sent or received by you.
    
6. All copyright, trademarks, and other intellectual property rights used as part of this web site are vested in AXA AFFIN and/or its licensors. You acquire no rights in the web site other than the limited right to use the web site in accordance with these terms. You are permitted to print out or download information and content from this web site for your own personal, non-commercial use. You may not offer for sale or sell or distribute over any medium, any part of this web site or its content.
    
7. You hereby agree to indemnify AXA AFFIN against any costs, claims, losses and damages (including legal fees) incurred by or awarded against AXA AFFIN as a result of your misuse of this web site or your breach of these terms.
    
8. AXA AFFIN respects the privacy of every individual who visits our web site.
    
9. These terms may be amended by AXA AFFIN from time to time.