IMPORTANT NOTICE TO USER: PLEASE READ THIS DOCUMENT CAREFULLY. This Terms of Use is a legal agreement between you (referred to herein as “you” or “your”) and HONG LEONG ASSURANCE BERHAD (“HLA”) for access to and use of our website www.hlatouch.my (the “HLATOUCH Site” or “Site”) and other related websites, software, phone apps, interactive features or downloads operated by us and that are available through the HLATOUCH Sites (whether accessed directly or through any software application or through a phone).

BY ACCESSING OR USING THE HLATOUCH SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT, WHETHER OR NOT YOU ARE A REGISTERED USER OF SITE. IF ANY OF THESE TERMS ARE UNACCEPTABLE TO YOU OR IN THE EVENT THAT ANY FUTURE CHANGES ARE UNACCEPTABLE TO YOU, DO NOT USE THE SITE. YOUR CONTINUED USE OF THE SITE NOW, OR FOLLOWING THE POSTING OF ANY CHANGES IN THIS AGREEMENT, WILL INDICATE ACCEPTANCE AND AGREEMENT BY YOU OF SUCH CHANGES.

YOU REPRESENT THAT YOU HAVE THE LEGAL AUTHORITY TO ENTER INTO THIS AGREEMENT AND TO BE BOUND BY ITS TERMS.

  1. General
     
    1. The information provided on this site 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 laws or regulations or which would subject to Hong Leong Assurance Berhad and/or its subsidiaries and/or its affiliates to any registration requirement within such jurisdiction or country.
    2. Neither the information, nor any opinion contained in this site constitutes a solicitation or an offer by HLA to buy or sell any products, services, securities, futures, options, other financial instruments, provide any investment or financial advice or an invitation to enter into any legally binding contract or arrangement. The products and services described in this site are available only to residents of Malaysia. Your eligibility for any particular products or services is subject to the final determination and acceptance by Hong Leong Assurance Berhad.
    3. These Terms of Use apply to the services offered by HLA. This HLATOUCH Site is the property of HLA and its licensors.
    4. By visiting and using the HLATOUCH Site in any manner including but not limited to visiting or browsing the Products, you agree to these Terms of Use including those additional terms and conditions, and policies referred to here and/or available by hyperlink which you acknowledge represent a legally binding agreement between you and HLA.
    5. By using the HLATOUCH Site, you understand that any information you send to the HLATOUCH Site may be intercepted or read by third parties even where there is notification that the transmission is encrypted.
    6. Additional terms and conditions may apply to the purchase of Products and to specific portions or features of the HLATOUCH Site, including promotions, contents or other similar features, all of which terms are made a part of these Terms of Use by this reference. You agree to abide by such other terms and conditions including where applicable, representing that you are of a sufficient legal age to use or participate.
    7. You may not use the HLATOUCH Site or any Content for any purpose that is unlawful or prohibited by the Terms of Use, or solicit the performance of any illegal activity or other activity which infringes HLA’s rights or rights of third parties.
  2. Definitions
     

    These definitions apply in these Terms of Use unless the