While AIA aims to use reasonable efforts to include accurate and up to date information on this website, errors or omissions may sometimes occur. To the maximum extent permitted by law, AIA makes no warranties or representations as to the currency, reliability, correctness, accuracy, adequacy or completeness of the content of this website and under no circumstances, including, but not limited to, negligence, shall AIA or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, special or punitive damages, losses, liabilities, costs, expenses and/or consequences of whatsoever nature that result from or in connection with any access, the use of, or the inability to use, the materials on this website or reliance on the materials and/or any information on this website, any systems, server or connection failure, error, omission, interruption, delay in transmission, computer virus or any use of or access to any other websites linked to this website even if AIA has been advised of the possibility of such damages. To the maximum extent permitted by law AIA and its employees, agents and directors are not liable for any losses (whether direct or indirect) that you incur as a result of accessing or using this website. To the extent AIA’s liability or the liability of any of AIA’s employees, agents or directors cannot be excluded, to  the maximum extent permitted by law, such liability is limited to the supply of the services again or the payment of the cost  of having the services supplied again, and in no event shall AIA’s total liability to you for all damages, losses, and causes  of action exceed the amount paid by you, if any, for accessing this website. 

AIA also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to,  

use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

This website is owned and operated by AIA. Except as otherwise expressly permitted by AIA, no materials from this website or any website owned, operated, licensed or controlled by AIA may be copied, reproduced, republished, modified, stored in a retrieval system, used for creating derivative works, uploaded, posted, transmitted (by any form or by any means), distributed or used in any otherway for public or commercial purposes. You may download material displayed on this website solely for your own use only, provided that you also retain all copyright and other proprietary notices contained on the materials and this website. You may not distribute, modify, transmit, reuse, repost, or use the content of this website, for public or commercial purposes, including the text, images, audio,  and video, without AIA’s express written permission.

You shall not use this website for any purpose that is unlawful or prohibited by the Terms. Additionally, you shall not: (i) use the website in any manner that could damage, disable, overburden or impair this website, online facilities or its network; (ii) attempt to gain unauthorized access to this website, accounts, computer systems or networks connected to the website, through hacking, password mining or any other means; (iii) defame, abuse, harass, stalk, threaten or otherwise violate the legal rights of others; (iv) publish, post, upload, distribute or disseminate any topic, name, material or other information that incites discrimination, hate or violence towards one person or a group because of their belonging to any race, religion or nation; (v) upload or otherwise make available, files that contain images, photographs, software or other material protected by intellectual property laws unless you own or control the rights thereto or have received all necessary consents to do the same; (vi) use any material or information, including images or photographs, which are made available on the website in any manner that infringes any intellectual or other proprietary right of any party; (vii) upload files that contain viruses, Trojan horses, worms, time bombs, cancelbots, corrupted file or any other similar software or programs that may damage the operation of another’s computer or property of another; (viii) use meta tag searches on the website; (ix) advertise or offer to sell or buy any goods or services for any business purpose, unless such AIA’s communication facilities specifically allow such messages; (x) download any file posted by another user that you know, or reasonably ought to know, which cannot be legally distributed in such manner; (xi) falsify or delete any author attributes, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded; (xii) violate any code of conduct or other guidelines which may be applicable for any particular communication facilities; (xiii) harvest or otherwise collect information about others; (xiv) violate any applicable laws or regulations; (xv) create a false identity for the purpose of misleading others; (xvi) use, download, copy or provide (whether or not for a fee) to a person any directory of users of this website or other user or usage information.

AIA reserves the right to review materials posted using the online facilities and to remove any materials at any time in its sole discretion. AIA reserves the right to terminate your access to any or all of the website at any time, without any notice, for any reason whatsoever. AIA also reserves the right to disclose any information deemed necessary to comply with any applicable law, regulation or legal process, or to edit, remove, or refuse to post any information or materials at its sole discretion.

AIA neither warrants nor represents that your use of  materials displayed on this website will not infringe rights of third parties.

You are entirely responsible for maintaining the confidentiality of your own passwords and account details. You are also entirely responsible for any transactions or activities that occur under your account, regardless as to whether such transactions or activities were made with or without your knowledge or authority. AIA shall not be liable for any damage, loss or other liability incurred by you arising from any transactions of any kind whatsoever resulting from the unauthorized use of accounts and passwords by any third parties. However, you may be held liable for any damage, loss or other liability incurred by AIA for any wrongful use of your account and/or password. You shall report to AIA immediately if you know or have reason to suspect that the security of your password and/or account may have been compromised or used by another person without authority.

You must only access or use this website and any content on this website for lawful purposes and in accordance with your agreement with AIA. In accessing or using this website or otherwise accessing or using the content you must not:

• infringe the rights (including intellectual property rights) of any other person;
• do anything that is unlawful, threatening or obscene;
• harass or incite hatred of any other person or restrict another person from using or enjoying this website;
• interfere with the operation of this website or any infrastructure used to make this website available;
• do anything that would result in us needing to compensate another person at law or at the direction
• or recommendation of a regulator.

By accessing or using this website you consent to any personal information you upload to this website or otherwise provide to AIA and to Discovery Holdings Limited, the Discovery Group of Companies, all its and their affiliates and subsidiaries and developers, using this website being used and otherwise dealt with in accordance with our AIA Australia Privacy Policy. You understand and agree that without such information, AIA and Discovery Holdings Limited, the Discovery Group of Companies, all its and their affiliates and subsidiaries may not be able to deal with you, or provide you with a product or service.

You hereby agree to fully indemnify, defend and hold harmless AIA, its employees, officers, staff, agents, advisers and directors from and against any and all damages, losses, liabilities, costs and expenses (including full legal costs on a solicitor-client basis) suffered by AIA arising from or in connection with: (i) your access to or use of any aspect of this website; (ii) any other party’s access to or use of this website and/or online facilities using your account and/or password; or (iii) your breach of any of these Terms; (iv) any other party's breach of any of these Terms where such party was able to access or use this website and/or online facilities using your account and/or password; (v) your infringement of the rights (including the intellectual property rights) of another person.

AIA's own records of the transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes. Your use of your account and/or password to access or use this website and/or online facilities including access to your policy records and our on-line services will be recognized as your electronic signature and will be legally binding. You accept that electronic records will be admissible as original documents in any court of law and agree that you will not challenge or dispute the accuracy or authenticity of such records.

No failure or delay by AIA in exercising or enforcing any right or option under these Terms shall operate as a waiver of it or limit, prejudice or impair AIA’s right to take any action or to exercise any right against any person or render AIA responsible for any loss or damage arising therefrom or in connection thereto.

The invalidity, unlawfulness or unenforceability of any provision in these Terms in any respect under applicable law shall not affect the validity, legality or enforceability of the remaining provisions hereof.

Unless otherwise expressly set forth herein, AIA makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.

Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by AIA. No security, insurance product or other product or service is offered or will be sold by AIA or, if sold by AIA, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

Any information that you transmit to AIA via this website, by 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 AIA. Such information may be used for purposes, including, 

but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. AIA is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to AIA via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. Additionally, AIA may in its absolute discretion, reveal or release personal data obtained by or through this website, its online facilities or services, to third parties where required or necessary. To the fullest extent permitted by applicable law, you waive all applicable rights you may have in any information you transmit to AIA via this website or otherwise, for the purposes of this section of the Terms. You agree that you waive and will not enforce any and all moral rights that you may have presently or in the future in relation to any content you transmit, contribute or publish via this website or otherwise.

Individuals may use the AIA Vitality community as a Guest. AIA Vitality community allows you to find out more information about health and wellbeing and to access some tools that can help you to with your health goals. 

In addition to the above terms, if you use this website as a Guest of AIA Vitality community:

1. You are required to be 18 years of age to register on this website.
2. As part of this community aspect, you may post your personal opinions, messages and ideas to the website and to the discussion forums available on the website.
   
3. However, you undertake not to post content to the website that may be illegal, defamatory, infringing, harassing, obscene, commercial advertising, personal marketing, profane, untrue, incorrect or harmful, or which AIA regards as inappropriate, and you accept that AIA may remove this content from the website.
   
4. You are encouraged to report untrue, inaccurate, defamatory, illegal, infringing and/or harmful content from the website to AIA, and AIA may correct and/or remove such content or any part thereof if it feels that it is appropriate to do so.
   
5. AIA does not editorially control, filter or read yourpostings on the website on an ongoing basis, and you acknowledge and agree that AIA shall not be responsible, in any way, for any user postings. You also agree to indemnify AIA against any liability, claim, damage or loss of whatsoever nature that may result from your posting(s) to the website.
   
6. You accept that the community aspect is integral to thewebsite and to the AIA Vitality community concept, and agree to respect and abide by these community guidelines at all times when accessing or using the website, and to interact and engage with fellow users with equal respect and dignity.
   
7. Please note that as a user of any of our community websites, you determine who will have access to your personal information when you invite them to view you profile. AIA cannot be responsible for any consequences that may result from access that you may have provided to any individual.

AIA reserves all rights, including intellectual property rights, trademarks, service marks, trade names, company names, logos, icons, slogans, copyrights, domain names, patents, design rights, utility models, database rights, know-how, trade secrets and all other intellectual or industrial property rights including, where such rights are obtained or enhanced by registration, any registration of such rights (including the right to apply for such registrations) and applications therefore (including the right to claim priority)), text, collations, images, logos, source code and data relating 

to this website, and any contents of this website are the property of, or licensed to, AIA. Other than as expressly set out in these Terms and except as permitted by applicable law, nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of such intellectual property rights without the written express permission of AIA or the relevant licensors or owners of such intellectual property rights. Your use of such intellectual property rights, or any other content on this website, except as provided herein, is strictly prohibited. You agree that you will not acquire any rights (including intellectual property rights) in any content or information in this website, except to the extent expressly provided in these Terms. 

You agree that all rights (including intellectual property rights) in any content that you create, contribute to or upload to the website, will vest in AIA immediately when such rights arise. You agree to provide any assistance to AIA necessary for AIA to assume control and ownership of those rights. 

You may use, view and download the information on the website for your personal non-commercial use only. Without AIA’s express written permission, you may not otherwise use the content on the website or exploit any of the content for any purpose, including a commercial purpose. 

You may not link to any of the content on the website from another website (including by way of a deep or inline link) or frame any of such content on another website.

To the extent that any software or applications is made available or provided to you on this website, AIA grants you a non-exclusive, limited and personal license to download and use the software or applications for your own personal, non-commercial use only. No other rights to the software or applications are granted. All rights including intellectual property rights in the software or applications remain the property of AIA or 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 or applications.

When you install or download any software or applications, you may be required to accept the terms or the end user licence agreement of a third party supplier or vendor. Whilethe end user licence agreement is independent from these Terms and establishes a separate legal relationship which you are bound by, you agree that, the end user licence agreement will apply to your use of the software or applications.

While there is inherent risk in doing business with anyone over a public medium like the Internet, we have implemented measures to reduce these risks. In order to safeguard and protect your privacy, the secure site utilizes advanced security techniques, which require Internet Explorer 6.0 or Mozilla Firefox 3.0 or above.

These Terms are governed by the laws of the state of Victoria, Australia and the parties agree to submit to the non-exclusive jurisdiction of the courts of the state of Victoria, Australia. AIA reserves any rights not expressly granted in these Terms. 

Copyright © 2013, AIA Group Limited and its subsidiaries. All rights reserved. Confidential and proprietary information.