PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY OF ITS PAGES, YOU ARE TAKEN TO AGREE TO THESE TERMS OF USE.

In this Agreement, "you" and "your" means any one accessing our website. "We", "us" and "ours" means Tokio Marine Life Insurance Singapore Ltd., including its successors and assigns.

COPYRIGHT © 2003 TOKIO MARINE LIFE INSURANCE SINGAPORE LTD. ALL RIGHTS RESERVED.
Copyright in the pages and in the screens displaying the pages, and in the information and materials and in their arrangement, is owned by us unless otherwise indicated.

USE OF INFORMATION, MATERIALS AND DOCUMENTS
The information, materials and documents contained in these pages are subject to change. Eligibility for any particular product or service is subject to our acceptance.

Permission/License to use documents from this server ("Server") is granted, provided that (1) our copyright notice appears in all copies and that both the copyright notice and this permission/license notice appear in any document printed, published, uploaded or downloaded; (2) use of such documents from this Server is for information and non-commercial or personal use only and will not be copied, posted or retransmitted on any network computer or broadcast in any media; and (3) no modification of any documents are made. Use for any other purpose is expressly prohibited.

Documents specified above include the design and layout of the "connect.tokiomarine-life.sg" website or any other sites owned, operated or controlled by us. No logo, graphics, sound or image from any of our websites may be copied or retransmitted unless expressly permitted by us.

USER ID AND PASSWORD (WHERE APPLICABLE)
You shall follow the guidelines provided by us in designating the user identification code (the "User ID") and the password (the "Password") for identifying you for the purposes of servicing you.

You shall act in good faith, exercise reasonable care and diligence in keeping the User ID and the Password in secrecy. At no time and under no circumstances shall you disclose the User ID and/or Password to any other person/party.

You shall be fully responsible for any accidental or unauthorised disclosure of the User ID and/or the Password to any person/party and shall bear the risks of the User ID and/or the Password being used by unauthorised persons/parties or for unauthorised purposes. This responsibility and bearing of risks remains until we receive your written notification to suspend or reassign a new User ID and/or Password to you.

DISCLAIMER NOTICE
The information, materials and documents contained in this site, including text, graphics, links or other items are provided "as is", "as available". We do not warrant the accuracy, adequacy or completeness of these information, materials and documents and expressly disclaims liability for errors or omissions in these information, materials and documents. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, worm, cookies, applets or any other probative, inquisitive, disruptive or destructive program is given in conjunction with these information, materials and documents.

LIMITATION OF LIABILITY
We shall not be liable for any damages, including direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or its use 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, worm, or any probative, inquisitive, disruptive or destructive program being uploaded or line or system failure, even if we or our representatives are advised of the possibility of such damages, losses or expenses. Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by us.

FORCE MAJEURE
We shall not be liable for any breach of these terms of use or any failure to provide or delay in providing our services through our site resulting from any event or circumstances beyond our reasonable control including, without limitation, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire explosion, accident or natural disasters.

APPLICABLE LAW
These terms shall be governed, construed and enforced in accordance with the laws of Singapore without reference to principles of conflicts of laws and any disputes shall within the exclusive jurisdiction of the Singapore Courts. If any provision of these disclaimers and exclusions shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.