AXA Insurance Pte Ltd

Disclaimer and Copyright Policy

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

COPYRIGHT © ALL RIGHTS RESERVED.

Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by AXA unless otherwise indicated.

USE OF INFORMATION AND MATERIALS

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorised use of AXA's web sites and systems including but not limited to unauthorised entry into AXA's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited.

NO WARRANTY

The information and materials contained in this site, including text, graphics, links or other items are provided "as is", "as available". AXA does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials.

LIMITATION OF LIABILITY

In no event will AXA be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if AXA, or representatives thereof, are advised of the possibility of such damages, losses or expenses.

SUBMISSIONS

All information submitted to AXA via this site shall be deemed and remain the property of AXA and AXA shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides AXA through this site. AXA shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the AXA entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing AXA's responsibilities and obligations to customers.

AVAILABILITY

This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Our cookie policy

This website is owned by AXA Insurance Pte Ltd. Here is our cookie policy for this site and the types of cookies we use on it.

What are cookies?

Cookies are small files that websites place on the device you’re using to browse the site. Cookies are commonly used to record some aspect of your visit to a site, such as choices you’ve made or preferences you’ve set during your visit.

How and why we use cookies

We use cookies to give you the best experience when you visit our website. By using cookies, we can make it easier for you to do many things, such as managing your accounts, policies, or login details, and applying for products and services. Cookies can also allow us to tailor the content of our website so we can show you services or adverts we think you may be interested in.

Keeping your personal information safe

Our cookies do not store personal information such as your name, address, phone number or email in a format that can be read by others. The cookies we use cannot read or search your computer, smartphone or web enabled device to obtain information about you or your family, or read any material kept on your hard drive.

We do use a small number of cookies that store encrypted versions of information where you have asked us to, such as the ‘Remember me’ function that allows us to remember your Account username for subsequent visits. However, this is encrypted so that only AXA Insurance Pte Ltd can read this information. The website that places a cookie owns that cookie. This means only that website and other sites that it has agreed to share information with can read the information stored using a cookie.

Links to sites provided by others

If you follow a link from our website to another website, please be aware that the owner of the other website will have their own privacy and cookie policies for their site. We recommend you read their policies as we are not responsible or liable for what happens at their site.

How to manage and switch off cookies

Your web browser provides settings that allow you to manage or switch off cookies. If you do switch off cookies, remember that you may not be able to use all of the services on our websites. You can find out more about managing and switching off cookies at the independent website: allaboutcookies.org

The types of cookies we use on this site

Strictly necessary cookies

These cookies are essential for our online services and tools to work. They collect or record information that we need to make our site work. Common uses for this type of cookie include:

• storing information so that shopping baskets can be provided
• storing information for e-billing
• allowing users to log in or access private areas of a site.

These cookies only last for a single browsing session – when you leave our site, they are removed.

Performance cookies

These cookies help us to monitor and improve how our website works.

Common uses for this type of cookie include:

• collecting information about which pages visitors go to most often
• noting if visitors get any error messages from web pages
• understanding which links visitors like to follow (including adverts) and which they choose not to.

The information collected using these cookies is anonymous and cannot be used to identify an individual visitor.

Functionality cookies

These cookies allow us to provide you with enhanced features that need to remember your preferences and choices, such as your user name, language or region. They also let us monitor how our website is performing so we can keep on improving it.

Common uses for this type of cookie include:

• providing you with local information, such as health providers in your area
• remembering how you like to use our site, such as what text size you like or what media software you use
• remembering what topics you’re interested in so we can provide you with related products, services and information.

The information we store in these cookies is encrypted so that only we can read it.