By accessing this website and/or using the services provided herein, you agree to be bound by the terms and conditions stated herein. If at any time you do not agree to accept any of the terms and conditions herein, you are advised to immediately discontinue all access and use of this website and/or services herein.
This website and the services herein are operated, administered, maintained and developed by Gibraltar BSN Life ("We", "us" or "our", as the case may be) and its third party vendors. Your access of this website and use of the services herein are governed by this Terms of Access including any amendments made thereto and any other additional operating policies which we, at our sole discretion, may impose from time to time ("Terms of Access").
Please direct any questions which you may have concerning these Terms of Access to our Customer Service Centre:
You agree that your access of this website and use of the services herein shall at all times be in accordance with all legislation, laws, guidelines and regulations governing the same and you shall not, at any time whatsoever, attempt or assist any other person to transmit any materials, data, communication and/or information ("Content"), through this website or services herein, which is abusive, defamatory, infringes another person's rights, constitutes a criminal offence or gives rise to civil liability, encourages racism, promotes hatred, contains pornography or pedophilia, contains any viruses or deleterious files and/or is otherwise objectionable to public morals and decency. You also agree not to hack or attempt to gain unauthorised access into this website and the services herein, disrupt the security of its resources, provide information, which is inaccurate or false, and/or otherwise abuse and misuse this website and the services herein. If at any time you discover or suspect the occurrence of any of these activities, you are required to notify us immediately and in failing or delaying to do so, you may also be held liable for the same.
We are not obliged to monitor or review your access of this website or use of the services herein. However, we may do so from time to time for our own purposes or where we are compelled to do so under this Terms of Access. In doing so, we reserve the right to edit or delete any Content which violates any of the provisions in this Terms of Access without notice and without any liability whatsoever to you for doing so.
You hereby agree that the Content including any graphic, text, script, music, sound, photograph, image, art, video and other multimedia work or any combination thereof which is available on our website and services is at all times protected by copyright, trademarks, service marks, patents and any other applicable intellectual property or proprietary rights, all of which are at all times owned exclusively by us or the relevant third party vendor, advertiser, affiliate or other third person, where applicable.
You agree that the Content may not otherwise be reproduced, copied, transmitted, published, performed, broadcast, adapted, stored, distributed, disseminated, communicated, displayed, licensed, modified, edited, censored, altered, hyperlinked or used in whole or in part in any manner whatsoever without our prior express consent or that of the relevant third party vendor, advertiser, affiliate or other third person, where applicable, to the same. Further, you shall not insert a hyperlink on this website or the services herein or "mirror" or frame the same or any portion thereof on any other website(s) or servers.
All rights in this website, the services herein and the Content which are not expressly granted to you under this Terms of Access or otherwise, are at all times expressly reserved by us or the relevant third party vendor, advertiser, affiliate or other third person, where applicable.
You hereby confirm that you have read, understood and agreed to be bound by the Gibraltar BSN Life Privacy Statement (which is available at www.gibraltarbsn.com) and the clauses herein, as may relate to the processing of your personal information. For the avoidance of doubt, you agree that the said Privacy Statement shall be deemed to be incorporated by reference into this Terms of Access.
It is our policy to respect the privacy of any information disclosed by you pursuant to your access of this website and use of the services herein ("Confidential Information"). Accordingly, we will neither edit nor disclose your Confidential Information unless we are required to do so in accordance with any legislation, laws or regulations, to protect our rights and property, enforce any provision in this Terms of Access, to provide you with the services herein, respond to any claim that the Content violates the rights of another person or as otherwise provided herein.
Notwithstanding the above, we may from time to time disclose your Confidential Information (only in aggregate or demographic form) to our third party vendors, advertisers, affiliates or other relevant parties for their records. Further information on how we value your privacy and strive to safeguard your Confidential Information in compliance with the laws of Malaysia is provided for in our Privacy Statement.
You hereby confirm that you have read, understood and agreed to be bound by the Gibraltar BSN Privacy Notice (which is available at www.gibraltarbsn.com) and the clauses herein, as may relate to the processing of your personal information. For the avoidance of doubt, you agree that the said Privacy Notice shall be deemed to be incorporated by reference into this Terms of Access.
In the event you provide personal and financial information relating to third parties, including information relating to your next-of-kin and dependents, for the purpose of opening or operating your policies with us or otherwise subscribing to our products and services, you (a) confirm that you have obtained their consent or are otherwise entitled to provide this information to us and for us to use it in accordance with this Terms of Access; (b) agree to ensure that the personal information of the said third parties is accurate; (c) agree to update us in writing in the event of any material change to the said personal; and (d) agree to our right to terminate this Terms of Access should such consent be withdrawn by any of the said third parties.
We reserve the right to amend this privacy clause from time to time at our sole discretion and shall provide prior notification to you in writing and place any such amendments on our websites and/or by placing notices at the banking halls or at prominent locations within our branches.
By accessing this website and using the services herein, you will come across hyperlinks to third parties' websites, which are not under our control, unless stated otherwise. These hyperlinks are provided for your reference only and do not represent in any way whatsoever our endorsement or sanction of the same. Accordingly, we shall not be responsible or liable for your access and use of the same or any information or materials available therein. We shall also not be responsible for any form of transmission or communication between you and the said third parties or your participation or use of their information, materials, services or promotions. For this purpose, you agree to be solely responsible for the same or any portion thereof.
If any of the Terms of Access become invalid, illegal or unenforceable pursuant to any law, then the validity, legality and unenforceability of the remaining provisions shall not in any way be affected or impaired.
To the fullest extent permissibly by applicable laws and regulations:
All Content which is available on this website and the services herein are provided on an "as is" and "as available" basis and while we shall take reasonable measures to ensure that the Content herein or any portion thereof are, as for as possible, accurate, complete, current and true, we expressly disclaim all liability for any acts, errors, omissions or inadequacies in the Content herein or any portion thereof.
We also disclaim any and all liability for the information provided by or links to third party websites or for any acts and omissions of third party in connection with or related to this website or the Content.
Further, we do not make and/or give any kind of warranty, whether express, implied or statutory, including but not limited to warranties of merchantability, usefulness, suitability or fitness for a particular purpose, comprehensiveness, currentness, accuracy, satisfactory quality, reliability, title and/or non-infringement of third party rights.
We also do not warrant that this website, the services herein and the Content will meet your requirements, be uninterrupted, free from errors or any identified defect will be corrected, timely, secure, free from viruses or other contaminating or destructive properties or that no damage will occur to your computer system or from any delay or error in any transmission or communication pertaining to your access and use of this website, the services herein and the Content.
The Content are strictly meant for your reference and information only, and shall not, at any time whatsoever, be assumed or deemed to be intended for any business or commercial purposes or to constitute an offer or solicitation and/or the giving of advice in respect of investment, financial or banking services by us and/or any of our affiliates and business partners. You are therefore advised to obtain independent professional advice at all times and verification of the said Content before making any decisions based on the same.
You are solely responsible for making your own assessment when accessing and using this website, the services herein and the Content and you agree that your access and use thereof shall be at all times at your sole risk.
Notwithstanding the generality of these Terms of Access, we shall not, at any time whatsoever, be liable to you or any other person for any damage or loss suffered (including all direct, indirect, special or consequential damages, economic loss, loss of profits or loss of opportunity) arising from any interruption or unavailability of this website, the services herein and/or the Content and/or your access to and use of the same for whatever reason.
We do not warrant or represent:
(a) the completeness or accuracy of the information published on our website; (b) that the material on the website is up to date; or (c) that the website or any service on the website will remain available.
We reserve the right to modify, suspend, terminate or discontinue or alter any or all of our website services, and to stop publishing our website, at any time in our sole discretion without notice or explanation; and save to the extent expressly provided otherwise in this disclaimer, you will not be entitled to any compensation or other payment upon the discontinuance or alteration of any website services, or if we stop publishing the website.
To the maximum extent permitted by applicable law, we exclude all representations and warranties relating to the subject matter of this disclaimer, our website and the use of our website.
We may revise this disclaimer from time to time.
The revised disclaimer shall apply to the use of our website from the time of publication of the revised disclaimer on the website.
For the latest updated information, you can contact us at 1300-22-6262 or email us on customerservice@gibraltarbsn.com.
You hereby agree to fully indemnify, defend and hold us, our officers, directors, employees, agents and servants harmless against all damages, losses, expenses and costs (including legal costs and disbursements) which we may have suffered or incurred, whether directly or indirectly, in connection with or as a result of your breach of any of the provisions under this Terms of Access.
In the event that we fail or neglect to enforce any provision or remedy under this Terms of Access for whatever reason, we shall neither be construed as having waived our rights to enforce the same nor as having waived our rights to any continuing, succeeding or subsequent breach of the same or any other provision in this Terms of Access.
We reserve the right and sole discretion to modify (including limit, replace or delete) this website, the services herein and the Content or any portion thereof as well as to terminate or restrict your access and/or use of the same at any time. Pursuant thereto, where we believe that such modifications are substantial or materially affect your access and use of the same, we shall notify you of such modifications by notice, among others, displayed on this website at least seven (7) days before the said modifications come into effect, except where circumstances beyond our control limit our ability and efforts to do so.
Irrespective from where you gain or attempt to gain access to this website and/or the services herein, you agree that this Terms of Access, your performance and conduct under it, your access to this website and use of the services herein and/or Content and any disputes arising thereunder shall, at all times, be governed by and construed in accordance with the laws of Malaysia. Further, you agree to submit and be bound by the exclusive jurisdiction of the Courts of Malaysia.
The performance of our obligations under this Terms of Access are subject always to existing legislation, laws and regulations governing the same and nothing contained in these Terms of Access is in derogation of our rights to comply with and conform to any governmental requests or legal requirements relating to the access of this website and use of the services herein or in respect of the Content or any portion thereof which is provided to or acquired by us for your use.
A printed version of this Terms of Access and of any notice, message or communication given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms of Access, to the same extent maintained in its printed form.