Welcome to FWD General Insurance's website! Please read the following terms and conditions carefully. By accessing this website and any pages, you are agreeing to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, please do not access this website, or any pages thereof.
We may amend these terms and conditions from time to time, without providing notice to you and without giving any reason for doing so, by posting an updated version of the terms and conditions on the website. You should regularly check these terms and conditions for any amendments. If these terms and conditions are amended, you must comply with the updated terms and conditions. If you do not agree to the updated terms and conditions, you must immediately cease using the website.
In case of discrepancies between the English and other language versions of this website, the English version shall apply and prevail.
Unless otherwise indicated, copyright of all materials and contents found on this website is owned by FWD General Insurance Public Limited ("FWD General Insurance") and its Affiliates ("FWD General Insurance" or "we"). The website allows users to read information about FWD General Insurance and its Affiliates and send an email of enquiry to FWD General Insurance.
For the purpose of this Disclaimer, "Affiliate" shall mean with respect to any person, any other person that is a direct or indirect holding company, or subsidiary, or any partnership or undertaking (whether incorporated or unincorporated) of FWD General Insurance, as well as any person or entity who directly or indirectly: (a) owns or controls FWD General Insurance, (b) is owned or controlled by FWD General Insurance, or (c) is under common ownership or control with FWD General Insurance. For the purposes of this definition, the term "control", "controlling" or "controlled" means the power to direct the management, operations, business and/or policies of FWD General Insurance, whether through the ownership of shares or any other security, by contract or otherwise.
All trademarks, logos and service marks displayed on this website are protected and users are prohibited from using the same without written permission of FWD General Insurance or the owners of the relevant trademarks, logos and service marks, as the case may be.
The materials on this website are protected by copyright and no part of such materials can be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without FWD General Insurance's prior written consent.
The information and materials contained in these pages (including the terms, conditions, and descriptions that appear) are subject to change.
Products and services referred to in this website are only offered in jurisdiction where and when they may be lawfully offered by FWD General Insurance. The materials on these pages are not intended for use by persons located in or resident in jurisdictions that restrict the distribution of such materials by us. Persons accessing these pages are required to observe any relevant restrictions.
These pages should not be regarded as an offer or solicitation to sell any products or services in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdiction.
Persons accessing these pages are advised to obtain appropriate professional advice based on their own needs for any particular product or service contained in these pages.
The information and materials contained in this website, including text, graphics, links or other items are provided "as is", "as available". FWD General Insurance 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. No warranty of any kind, implied, express or statutory, including the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.
We will use reasonable endeavours to generally make the website available during our normal business hours. However, the availability of the website depends on various third party suppliers, and accordingly, we do not warrant or guarantee:
(a) that you will be able to use the website at any time; or (b) that your use of the website will be continuous, uninterrupted, secure or error-free.
You acknowledge that the website may not be available for use from time to time, and that you may be disconnected from your use of the website at any time for any reason, including if:
We make no guarantee as to the reliability or other performance of the website. The performance of the website depends on various factors, including the functions, capacity and configuration of your own internet-enabled device (which is compatible with the website and has a current and working internet connection), the speed of your internet connection, and the number of users accessing the systems which support the website.
The information available through the website is subject to updates from time to time and, while we aim to ensure that it is up-to-date, there may be delays, errors or omissions that could affect its currency or accuracy. Accordingly, we cannot and do not warrant or guarantee that the information you obtain through the website is or will be current, complete or accurate at all times. You acknowledge and agree that you will make your own enquiries to determine whether the information you obtain through the website is current, complete and accurate before using it. We are not responsible for any liabilities, losses, damages, costs and expenses (including legal costs and expenses, regardless of whether incurred or awarded) arising in contract, tort (including negligence) or otherwise you suffer or incur as a result of your failure to comply with this paragraph.
To the extent that any software is made available or provided to you on this website, we grant you a non-exclusive, limited, and personal license to download and use the software for your own personal, non-commercial use only. All rights including intellectual property rights in the software remain our property or the property of the relevant licensors or owners of the software and, except as permitted by law, you may not reverse engineer, decompile, modify or tamper with the software.
In no event will FWD General Insurance be liable for any damages, including direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this website or use thereof or inability to use by any parties, 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 FWD General Insurance, or representatives thereof, are advised of the possibility of such damages, losses or expenses. Hyperlinks to other iInternet resources are used at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by FWD General Insurance.
There are links to third party websites which are not controlled by FWD General Insurance. FWD General Insurance shall not be deemed to guarantee or endorse the content on third party websites and shall not be in any way responsible for the content on these websites. FWD General Insurance shall also not be liable for any damages or losses incurred or suffered by you, arising out of or in connection with your use of third party websites.
All information submitted to FWD General Insurance via this website shall be deemed and remain the property of FWD General Insurance and FWD General Insurance shall be free to use, for any purposes, any ideas, concepts, know-how or techniques contained in information provided by a visitor to FWD General Insurance through this website. FWD General Insurance shall not be subject to any obligations of confidentiality regarding submitted information except as agreed with FWD General Insurance having the direct customer relationship or as otherwise specifically agreed or required by law.
Messages sent over the Internet cannot be guaranteed to be completely secure. FWD General Insurance will not be responsible for any damages incurred by users if they send a message to FWD General Insurance, or if FWD General Insurance sends a message to them upon their request, over the Internet. FWD General Insurance is not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of this website.
Communications over the Internet may be subject to interruption, transmission blackout, delayed transmission due to Internet traffic or incorrect data transmission due to the public nature of the Internet or otherwise.