Aces Privacy Policy

http://www.GibraltarBSN.com


 

This is the privacy policy ("Privacy Policy") for Aces Web site (the “Site”) of Gibraltar BSN Life Berhad (the “Company”) . This Privacy Policy sets forth our policies regarding the collection, use and disclosure of certain information relating to the Site. Your use of this Site signifies your agreement, understanding and acceptance of the terms of this Privacy Policy.

This Privacy Policy is incorporated into and forms part of the Terms and Conditions which govern your use of the Site in general.

Use of Site: This Site is intended for use by registered intermediaries of the Company only.

1.    Site Access Authentication:

Only registered users are provided with user id, user name and password to gain access to the Site. Users are categorized by the User Access Matrix as defined by the Company. Users are strictly forbidden to disclose theirs user id, user name and password to third parties. All first time login to the Site will be prompted to change password and/or user name immediately. Your user id, user name and password are encrypted and stored in the server of the Site. All logins are authenticated with these user access identities.

2.    Collecting Information:

Personally Identifiable Information

The Site will collect personally identifiable information including, New Business/Proposal Application Data in the Submissions, through various means such as online access and online applications submission to the Site are checked and validated. Information collected through the Site may include financial information, health-related information and other sensitive information such as address, age and sex.

 
Non-Personally Identifiable Information

We may also collect certain non-personally identifiable information via the Site, such as Site usage activity.


Site Technology

As with many Web sites, we may use "cookies" and/or other technology (e.g., web bugs, e-mail bugs, clear GIFs, web beacons and tracker GIFs) in the Site or in our communications with you to enhance the functionality of the Site and to make your transactions and other activities more convenient and efficient (collectively, "Tracking Technologies"). These technologies may vary, but in some cases may involve a small file stored locally on the computer used to access the Site, and may be used by us to store and collect information relating to your viewing and use of the Site and our correspondences with you. You may set your web browser software not to accept cookies, but, if so, certain functionality of the Site may be affected. We may collect your IP (Internet Protocol) address to help diagnose problems with our server, administer our Site and identify our users. We may also use such technologies to remember user preferences or minimize the need for you to re-enter information.
 

3.   Usage and Sharing:

We use information collected on and through this Site for a variety of purposes in the course of business and as otherwise set forth herein. For example, such information may be used to process your applications to receive insurance quotations or to send you information about our and/or our affiliates' products and services and any other information and materials that may be of interest to you. This information may also be used to evaluate what portions of the Site are more popular than others, determine where visitors came from, where they go and how long they stay on a particular page or the Site in general. We may match information collected from you through different means or at different times, and use such information along with information obtained from other sources, including third parties.

We reserve the right to disclose any information concerning you, if required by law or to protect/ defend our rights or the rights/ well-being of our users or if you are involved (or are reasonably suspected to be involved) in any illegal activity, without a subpoena, warrant or court order.

4.   Security:

The Site supports data transmission encryption to help protect the security of your transfer of data to the Site. Although we will take all reasonable security precautions regarding information stored on the Site, due to the open nature of the Internet, we cannot guarantee that any information stored on our servers, or transmitted to or from a user, will be free from unauthorized access and we disclaim any and all liability for any theft or loss of information for unauthorized access or damage to the information or interception of any data or communications by any other party. By using the Site, you acknowledge that you understand and agree to assume these risks.

5.  Consent to Processing:

By providing the personal information to this Site, you fully understand and unambiguously consent to the transfer of such personal information to, and the collection and processing of such personal information in Malaysia.

6.   Links:

This Site may or may not contain links or references to other Web sites.

7.   Your Acceptance of this Policy:

By using this Site, you signify your acceptance of our Privacy Policy. We reserve the absolute right, to change, modify, add, or remove portions from this policy at any time, so visitors are encouraged to view this policy from time to time. Your continued use of our Site following the posting of changes to these terms means you accept these changes.

Should you have any other questions about our Privacy Policy, please call us at 03-2687 2000 extension 2049 (Aces System Administrator).

 

Terms and Conditions of Use

Your use of this web site is subject to the following terms and conditions (the "terms and conditions"). This web site, and the entire contents thereof, including but not limited to, information, materials, text, software and graphics (collectively referred to as the "Contents"), are provided by and are the exclusive property of Gibraltar BSN Life Berhad. ("the Company"). Your use of this web site indicates: (1) that you have read and understand the terms and conditions; (2) that you agree to comply with and be bound by and have the capacity to comply with and be bound by, the terms and conditions; and (3) that if you represent or are acting on behalf of an entity that you have the capacity to bind such entity to the terms and conditions set forth below.

Changes in Terms and Conditions . The Company reserves the right to amend, modify revise and restate at any time and from time to time, the terms and conditions without notice. Your use of this web site binds you to any amended, modified, revised, or restated terms and conditions. The Company recommends that users of this web site periodically review the terms and conditions as they are subject to change.

Use of the Contents and of this Web Site . You may only access and use this web site for informational purposes and as provided in the terms and conditions. Except as otherwise set forth below, the Company owns this web site and all the Contents. The Malaysian intellectual property laws and treaties apply to and protect the Contents and their use. The Company does not claim any ownership rights or intellectual property claims to any third-party names, trademarks, or service marks, appearing on this web site and in the Contents. Your use of this web site and of the Contents does not entitle you to any ownership rights or intellectual property claims to the Contents. You assume sole responsibility for any damage caused whether directly or indirectly, by your infringement of the Company's intellectual property rights and/or by your transmission, use, distribution, redistribution, or replication, of any of the Contents in violation of the terms and conditions.

The Contents may not be transmitted, distributed, redistributed, replicated, downloaded, published, or posted, in any way without the prior written consent of the Company. You may not: (1) transfer the Contents to another person or entity; (2) remove any intellectual property or ownership notice from the Contents; (3) tamper with, disassemble, decompile, or reverse engineer, any software materials; or (4) modify or alter the Contents or use them commercially or for any public sale, rental, display or performance. 

The Company reserves the right, without having to give prior notice, to change, discontinue, restrict or prevent access to, this web site or to the Contents or to any portion or feature thereof.

You may not provide links to, metatag, or frame this web site, without the prior written consent of the Company. Your access and use may be periodically interrupted for any reasons or actions that the Company, in its absolute and sole discretion, may elect to take or due to events beyond the Company's control.

The Company neither represents nor warrants that this web site and the Contents are free of any viruses or other code or computer programming routines that contain destructive properties or which are designed to adversely interfere with any system, data or personal information.

Disclaimer; Limitation of Liability . YOU ASSUME ALL RESPONSIBILITY FOR THE USE OF THIS WEB SITE. THE CONTENTS ARE PROVIDED ON A "AS IS," BASIS AND ARE WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; FREEDOM FROM VIRUSES, BUGS, ERRORS, OR OTHER HARMFUL CODE OR COMPUTER PROGRAMMING ROUTINES; AND NON INFRINGEMENT OF INTELLECTUAL OR THE COMPANY PROPERTY RIGHTS. THE COMPANY IS NOT LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR THE INABILITY TO USE THIS WEB SITE OR ACCESS THE CONTENTS, LOSS OF BUSINESS, LOSS OF PROFITS, BUSINESS INTERRUPTION OR THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THIS WEB SITE. THE CONTENTS OR ANY HYPERLINKED SITE, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

This web site is only intended to provide data and information that may be of interest to its users. The Contents are provided to you as a service and a business tool. The Company is not responsible for any errors or omissions in the Contents, nor for any loss or damage arising from your reliance on the Contents or a linked site. The Company believes the Contents to be reliable, but makes no claims, warranties or representation with regard to the reliability, accuracy, truth, timeliness, usefulness, or completeness, of the Contents. The Contents are comprised solely of general information and are not customized to your personal situation. As such, the Contents might not be suitable for your own needs. The Company strongly advises that you to seek your own legal, accounting and financial advice and counseling from a licensed professional in your local area. The Company does not offer any legal, accounting or financial advice or guidance. You should not depend or rely upon any of the Contents contained in this web site. Your reliance upon any of the Contents contained in this web site is done so at your own risk. You alone are responsible for any decisions you make as a result of using this web site.

Indemnification. You agree to indemnify, defend, and hold harmless, the Company and its subsidiaries and affiliates and their respective officers, directors, employees from and against any and all loss, liability, claim, damage, and other expenses (including reasonable attorneys' fees) caused by or arising from your: (1) violation of the terms and conditions; (2) access to or use of this web site; or (3) failure to provide accurate, truthful and complete, business information.

Violation of the terms and conditions . The Company may refuse to permit you access to this web site, if, in the Company's sole discretion, you violate any of the terms and conditions; restrict or inhibit any access or use of this web site; or use this web site to offend, threaten, harass, abuse or defame all of which is expressly prohibited.

Communications By Users . This web site may contain means by which users of this web site may communicate and exchange information. The Company is not responsible for any statements made by users of this web site and neither does it endorses statements made therein nor warrants that the statements are true. The Company does not advise you to rely upon any of the statements. Your reliance upon any such statements is done at your own risk. The Company reserves the right to prevent access to users who abuse the right to post communications and to edit statements made by users of this web site.

Users may not: (1) exchange personal information; (2) engage in personal attacks; (3) make vulgar, derogatory or defamatory statements; or (4) post copyrighted information, commercial items or solicitations.

Hyperlinks. Hyperlinks contained in this web site belong to third-party sites ("linked sites") and are provided by the Company for your convenience only. The Company does not control linked sites in any way. The Company neither expressly nor implicitly (i) represents or warrants the truth or accuracy of any information included in any linked site or (ii) endorses or sponsors any linked site, the content of any linked site or any products sold or services offered by any linked site.

Arbitration. The terms and conditions and your use of this web site shall be governed and construed according to the Malaysian laws. Any civil action, dispute, or proceeding, arising out of or relating to the terms and conditions and your use of this web site except for an injunctive action regarding a breach or threatened breach of any provision of the terms and conditions by you which shall be brought in a arbitration branch in Malaysia as nominated by the President of the Chartered Institute of Arbitration, shall be referred to final and binding arbitration before a single arbitrator under the commercial arbitration rules of Chartered Institute of Arbitration in Malaysia. You and the Company shall jointly select the arbitrator. Until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs, the party who requested for arbitration is responsible for paying all fees that the arbitrator may periodically require. The arbitrator's final and binding conclusion may be entered in any court of competent jurisdiction.

Waiver. No supplement, modification, or amendment or waiver, of the terms and conditions shall be binding upon the Company, unless executed in writing by a duly authorized representative of the Company. The failure by the Company to enforce any provision of the terms and conditions will not constitute a waiver of future enforcement of that or any other provision.

Severability. If for any reason any portion of the terms and conditions is held to be invalid or unenforceable that portion will be enforced to the maximum extent permissible and the remainder of the terms and conditions will remain in full force and effect.

Headings. The headings used herein are for convenience only and shall not affect the interpretation or construction of the terms and conditions.

Survival. The terms and conditions, including all agreements, representations and warranties set forth herein, as amended, modified, revised or restated from time to time shall survive your acceptance of the terms and conditions and your use of this web site.

Entire Agreement. The terms and conditions set forth the entire agreement between you and the Company regarding the subject matter of the terms and conditions and supersede any prior oral or written statements or agreements with respect to the same.

Back