Acceptance of Terms
This Web Site is owned and maintained by the Owner, which is a member of Chubb. Chubb is made up of insurance and reinsurance companies that are licensed or otherwise approved to transact insurance and/or reinsurance business located in various countries. Chubb also includes companies that provide services to the insurance industry and other customers.
This Web Site provides users with access to an online collection of information and materials. These materials may include insurance applications and policy forms and other information related to certain insurance products and services ("Products and Services") offered by providers of insurance and insurance-related services operating within Chubb. This Web Site also contains text, pictures, graphics, logos, button items, images, works of authorship, and other content, and may provide access to certain proprietary software used in connection with navigating and utilising the functionality offered through this Web Site ("Software"). This Web Site is intended for use only by users who are at least 18 years of age and who reside in Singapore.
Availability of Products and Services – Due to various insurance and other regulatory restrictions, certain Products and Services described on this Web Site are not available to all users. Please contact a designated Chubb representative or your broker to find out which Products and Services are available to you.
This Web Site may provide certain summary descriptions or other helpful information regarding Products and Services. Chubb and its member companies attempt to be as accurate as possible; however, any such materials are intended to generally describe the Products and Services and are subject in all respects to the specific terms and conditions of the actual policy or product/service agreement to which they refer. Complete policy terms are available upon request.
Copyright – The intellectual property rights in this Web Site and the Content are owned, licensed to or controlled by the Owner, its licensors or service providers. The Owner aggressively enforces its intellectual property rights to the fullest extent of the law.
You may print out a hard copy of information from this Web Site for your personal use provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, patent, etc.) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or Content obtained from this Web Site, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorisation of the Owner or any applicable third party suppliers. The use of Content, including images, by you, or anyone else authorised by you, is prohibited unless specifically permitted by the Owner. Any unauthorised use of Content may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable laws, regulations and statutes. Neither the Owner nor its affiliates or Chubb, warrant or represent that your use of Content, Software or any other materials displayed on this Web Site will not infringe rights of third parties.
Trademarks and Service Marks – Certain trademarks, including but not limited to "CHUBB", "ESIS" and "Westchester", are service marks owned by Chubb. The domain name for this Web Site (www.chubb.com/sg) and all logos, page headers, custom graphics, and button icons are service marks, trademarks, logos, and/or trade dress owned by Chubb. All other trademarks, service marks, trade dress, product names, company names or logos, whether registered or not, on the Web Site are the property of their respective owners. In addition to complying with all applicable laws, you agree that you will not use any such trademarks, service marks, trade dress, or other logos from this Web Site without the prior written authorisation of its respective owners.
Ownership of information submitted via this Web Site – With the exception of any personal data or information you submit, any information you transmit to the Owner or Chubb via this Web Site, whether by direct entry, submission, electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of the Owner. Such information may be used for any purpose, including but not limited to reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. The Owner and Chubb shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Owner or Chubb via this Web Site or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.
Proprietary Software – Any Software accessible through this Web Site is the property of the Owner or its suppliers and is protected by Singapore, U.S. patent and copyright laws and international treaties. Any use of the Software by you other than as required to navigate and to utilise the intended functionality offered through this Web Site is prohibited. You agree not to copy, distribute, publicly display, alter, modify, decompile, disassemble, reverse engineer or otherwise attempt to discover the source code of the Software. Further, you agree not to access this Web Site or Content by any means other than the interface provided by the Owner through this Web Site for your use in accessing this Web Site or the Content.
The Software provided on this Web Site is owned by or licensed to the Owner, and may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You shall not copy, transfer or export such software in violation of such applicable export laws and regulations. The Owner does not authorise the downloading or exportation of any software or technical data from this Web Site to any jurisdiction prohibited by such export controls laws and regulations.
Connection Requirements – You are responsible for providing and maintaining, at your own risk, option and expense, any hardware, software and communication lines required to access and use this Web Site, and the Owner reserves the right to change the access configuration of this Web Site at any time without prior notice.
Prohibited Use – Any use or attempted use of this Web Site:
i. for any unlawful, unauthorised, fraudulent or malicious purpose; or
ii. that could damage, disable, overburden, or impair any server, or the network(s) connected to any server; or
iii. that could interfere with any other party's use and enjoyment of this Web Site; or
iv. to gain unauthorised access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means; or
v. to access systems, data or information not intended by the Owner to be made accessible to a user; or
vi. to attempt to obtain any materials or information through any means not intentionally made available by the Owner; or
vii. in connection with any use other than the business purpose for which it was intended, is prohibited.
In addition, in connection with your use of this Web Site, you agree you will not:
a. upload or transmit any message, information, data, text, software or images, or other content (“Material”) that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libellous, or otherwise objectionable, or that may invade another's right of privacy or publicity;
b. create a false identity for the purpose of misleading others or impersonate any person or entity, including but not limited to any Chubb representative, or falsely state or otherwise misrepresent your affiliation with a person or entity;
c. upload or transmit any Material that you do not have a right to reproduce, display or transmit under any law or under contractual or fiduciary relationships (such as any disclosure that may be prohibited under non-disclosure agreements);
d. upload files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other similar software or programs or any form of malicious software that may damage the operation of another's computer or property of another;
e. delete any author attributions, legal notices or proprietary designations or labels that you upload to any communication feature;
f. use this Web Site’s communication features in a manner that adversely affects the availability of its resources to other users (e.g., excessive shouting, use of all caps, or flooding continuous posting of repetitive text);
g. upload or transmit any unsolicited advertising, promotional materials, “junk mail,” “spam”, “chain letters”, “pyramid schemes” or any other form of solicitation, commercial or otherwise;
h. violate any applicable local, state, national or international law;
i. upload or transmit any Material that infringes any patent, trademark, service mark, trade secret, copyright or other proprietary rights of any party;
j. delete or revise any Material posted by any other person or entity;
k. manipulate or otherwise display this Web Site by using framing, mirroring or similar navigational technology or directly link to any portion of this Web Site other than the main homepage, www.chubb.com/sg in accordance with the Limited Licence and Web Site Access outlined above; or
l. register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for any Product or Service if you are not expressly authorised by such party to do so; or
m. harvest or otherwise collect information about others, including e-mail addresses.
The Owner reserves the right to take whatever lawful actions it may deem appropriate in response to actual or suspected violations of the foregoing, including but not limited to the suspension or termination of your access and/or the account assigned to you by the Owner in connection with access and use of this Web Site, if any. The Owner may cooperate with legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong. The Owner reserves the right at all times to disclose any information as the Owner deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in the Owner's sole discretion.
No Chubb Editorial Control of Third Party Content; No Statement as to Accuracy – To the extent that any of the Content included in this Web Site is provided by third party content providers, Chubb has no editorial control or responsibility over such Content. Therefore, any opinions, statements, services or other information expressed or made available by third party suppliers on this Web Site are those of such third party suppliers. The Owner does not represent or endorse and cannot guarantee the accuracy or reliability of any opinion, statement or other information provided by any third party, or represent or warrant that your use of the Content displayed on this Web Site or referenced content or service providers will not infringe rights of third parties not owned by or affiliated with Chubb.
Our cookies will track only your activity relating to your online activity on this Web Site, and will not track your other Internet activity. The Owner’s cookies do not gather personally identifiable information.
You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain online Products and Services or Web Site features.
The Owner may occasionally use other companies to set cookies on this Web Site and gather cookie information for us. In some cases the Owner may also use another company to operate web servers for this Web Site. The Owner uses the cookie information gathered by these companies in the same manner as stated above.
In addition to the information we collect from cookies, we also obtain information which you provide online via this Web Site – for example, when you use the tools and calculators via this Web Site or when you submit an application or otherwise communicate with us via this Web Site. In some cases, the Owner retains both the cookie information and/or the information you provide to us online - for example, to complete a transaction you requested or to keep historical records of your past transactions. In other cases - for example, when you use the online tools and calculators in our web site - we only retain the cookie and/or online information you gave if you request us to do so for your use in subsequent sessions.
Modification to Services – The Owner may, at its discretion, modify or discontinue any of the Products and Services, Content or Software, or any portion thereof, with or without notice. Neither the Owner nor its affiliates will be liable to you or any third party for any modification or discontinuance of any of the Products and Services, Content or Software.
Disclaimer – The Content has been prepared by the Owner as a convenience to its users and is not intended to constitute advice or recommendations upon which a user may rely. The Owner has used reasonable efforts in collecting, preparing and providing quality Content, but makes no warranty or guarantee about the accuracy, completeness, or adequacy of the Content or of the information linked to this Web Site or any other Web Site maintained by the Owner. Users relying on any Content do so at their own risk.
The information and descriptions contained herein are not intended to be complete descriptions of the terms, exclusions and conditions applicable to the Products and Services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement for complete terms, exclusions and conditions. Should you purchase an Chubb product from Chubb or a third party, the terms and conditions applicable to that transaction will govern such purchase, and your use of this Web Site does not affect that purchase in any manner.
This Web Site may provide you with planning and educational tools, including calculators. Such tools and calculators may allow you to model “what-if” scenarios, the results of which are illustrative and are based on the information and assumptions identified. There is no guarantee that the results shown are necessarily accurate or will be achieved. In addition, these tools and calculators are not part of any planning report for which you may have paid a fee, even if the tools and calculators include information derived from or contained in a report.
YOUR USE OF THIS WEB SITE IS AT YOUR SOLE RISK. THIS WEB SITE AND ALL CONTENT AND SOFTWARE ARE PROVIDED ON AN “AS IS” OR “AS AVAILABLE” BASIS, AND WE EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, SATISFACTORY QUALITY OR FITNESS FOR A PARTICULAR PURPOSE. THE OWNER MAKES NO WARRANTY THAT THE CONTENT AND SOFTWARE ARE ACCURATE, TIMELY, UNINTERRUPTED, VIRUS-FREE OR ERROR-FREE, OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED.
Limitation of Liability
YOU UNDERSTAND AND AGREE THAT THE OWNER WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THIS WEB SITE, SERVICES, CONTENT OR SOFTWARE, THE COST OF OBTAINING SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY LOSS OF DATA, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM PURCHASES OR TRANSACTIONS ENTERED INTO THROUGH THIS WEB SITE, OR STATEMENT OR CONDUCT OF ANY THIRD PARTY, OR ANY OTHER MATTER RELATED TO THIS WEBSITE, CONTENT OR SOFTWARE. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THIS WEB SITE IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE THE OWNER OR ITS AFFILIATES DIRECTLY OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THIS WEB SITE.
When you visit this Web Site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this Web Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Third Party Purchases Governed by Separate Agreement – The terms and conditions governing your purchase of any goods or services from any third party companies or financial institutions represented in this Web Site shall be governed by a separate agreement duly executed between you and the supplier of such goods or Services, including Chubb, as applicable.
Age and Location of User – All information and content available on this Web Site are solely directed to individuals of 18 years of age or older residing in Singapore. The Owner makes no representation that the Content, Products and Services or Software are available for use outside of Singapore. Any use of the Content and Software is prohibited where they are not allowed by law.
Password Accounts, Passwords, and Security
If you have been given the option to open an account on this Web Site which will provide you with access to password protected portions of this Web Site and you elect to do so, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form, and choose a password and user name. You are entirely responsible for maintaining the confidentiality of your password and account and for any and all activities that occur under your account. You agree to (a) immediately notify the Owner of any unauthorised use of your account or any other breach of security of which you become aware, and (b) exit completely from your account at the end of each online session. The Owner will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by the Owner or another party due to someone else using your account or password. You may not use anyone else's account at any time, without the permission of the account holder.