Important Information

The contents of this website are provided for general information only and should not be used as a basis for making any specific insurance decision. You should at all times seek advice from a qualified advisor before making any decision based thereon. If you choose not to, you shall take sole responsibility to ensure the insurance product is appropriate to your financial needs and insurance objective.

The contents of this website, including these terms and conditions, are subject to change and may be modified, deleted or replaced from time to time and at any time at the sole and absolute discretion of UOI.

Nothing in this website shall be considered or construed on the part of UOI as an offer or as giving any advice in respect of insurance products in any jurisdiction.

Notwithstanding the generality of the foregoing, the information and materials contained on this website shall in all cases be construed as an invitation to treat made only in the Republic of Singapore. Any such invitation to treat shall be void where prohibited by law, whether by the law of the Republic of the Singapore or by the law of the jurisdiction in which you are located. By making an offer to UOI, which offer shall be deemed unsolicited, you warrant that such offer and any contract resulting from the acceptance thereof by UOI will not be in conflict with the laws of your jurisdiction and will be made pursuant to the provisions with regards to jurisdiction below. UOI shall not be under any obligation whatsoever, express or implied, to reply to unsolicited correspondence, communications or email or to acknowledge receipt of the same.

This website may contain links to websites owned, controlled or offered by third parties. Access to and the use of such websites is at your own risk and subject to the terms and conditions applicable to such access and/or use. For the avoidance of doubt, by creating a link to a third party website, UOI shall not be construed as endorsing or recommending any product or service offered or as verifying any information contained in any such third party website. Accordingly, UOI will not be responsible for any and all information, materials, products or services (or any failure thereof) contained in or offered at any such third party website linked to this website.

Any and all information submitted to UOI through this website shall be deemed to be and shall remain the sole and exclusive property of UOI. UOI shall be entitled to use, for any purpose and without any payment or compensation, any information including but not limited to ideas, concepts, know-how or techniques in whatsoever form provided to UOI through this website.

UOI does not guarantee that email messages sent to UOI over the Internet will be completely secured. Under no circumstances will UOI be liable for any damages incurred or sustained by you in connection with or arising from any message transmitted via the Internet by you to UOI, or by UOI to you at your request.

You acknowledge and accept that the inherent nature of the Internet is such that transmissions may be subject to interruption, interception, hacking, transmission blackout, delayed transmission and/or incorrect data transmission. UOI will not be liable for malfunctions in communications facilities not under its control that may affect the accuracy, authenticity or timeliness of messages and transactions that may be sent and does not warrant that any identified defect will be corrected.

This website 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. Notwithstanding anything in this website, your eligibility for all products and services on this website is subject to acceptance by UOI.

Except as otherwise expressly stated in this website, the copyright and all other intellectual property in the contents of this website is owned by UOI. No part or parts hereof may be used, reproduced, distributed, published, modified, displayed, broadcasted, hyperlinked or transmitted in any manner or by any means or stored in an information retrieval system without UOI's prior written permission. Further, you may not, without UOI's written permission, insert a hyperlink to this website or on any part thereof on any other websites or 'mirror' any material contained on this website on any other server, website or web page.

All trade marks and service marks displayed in this website are the property of UOI and, where applicable, third party proprietors identified in the website. You shall have no right or licence to download, reproduce or use any such trade marks or service marks whether for use as a link to any website or otherwise, except with the prior written approval of UOI or third party proprietors (as the case may be).

The contents of this website, including but not limited to services, products, information, data, text, graphics, audio, video, links or other items are provided 'AS IS', and 'AS AVAILABLE'. UOI does not warrant the truth, accuracy, adequacy, completeness or reasonableness of such contents and expressly disclaims liability for any and all errors or omissions whatsoever.

No warranty of any kind, implied, express or statutory, including but not limited to any warranty of title, non-infringement of third party rights, merchantability, satisfactory quality, fitness for a particular purpose and freedom from computer virus or other contaminants or malicious, destructive or corrupting code, agent programme or macros (collectively, the 'virus'), is given in conjunction with this website, or its contents, including any links to third party websites.

Without prejudice to anything contained in this website, UOI shall not be liable in any manner whatsoever for any damage, loss or expense including without limitation, direct, indirect, special or consequential damage, or economic loss arising from or in connection with:

1. any access, use or the inability to access or use this website, use of or reliance on the contents of this website;
2. any transaction performed on any web page in this website;
3. any loss or abuse or unauthorized disclosure of information, including customer information;
4. any system, server or connection failure, error, omission, interruption, interception, delay in operation or transmission, or computer virus;
5.  any use of or access to any other websites linked to this website;
6.  any service, product, information, data, software or other materials obtained from (a) this website or from any other websites linked to this website; and/or (b) any other software applications linked to the Services

even if UOI or its agents or employees had been advised of the possibility of such damages, losses and/or expenses. This exclusion clause shall take effect to the fullest extent permitted by law.

By accessing this website and/or using the services offered through this website, you agree that Singapore law (including without limitation, the provisions of the Evidence Act (Cap.97) and the Electronic Transactions Act (No 25 of 1998) shall govern such access and the provision of such services and you agree to submit to the non-exclusive jurisdiction of the courts of the Republic of Singapore. No person who is not a party to any transaction between yourself and UOI shall have any right whatsoever under the Contracts (Rights of Third Parties) Act 2001.

In the event that the laws of your jurisdiction either do not permit or impose restrictions on the access to the contents of this website, you shall forthwith discontinue access or comply with such restrictions (as the case may be).

If there are inconsistencies in meaning between the English-language version of these terms and conditions and the terms and conditions as may be translated into any other language, the English-language version shall prevail.

At UOI, we value your relationship. That is why we welcome this opportunity to share with you our privacy and security practices, and the steps that we have taken to protect your personal information and account details. You can read more about UOI's Privacy & Security Practices.