Legal

Zurich Insurance Company Ltd (Singapore Branch) is a member of the global Zurich Insurance Group that operates in Singapore. The Zurich Insurance Group and all its constituent, affiliated and subsidiary companies are collectively referred to below as "Zurich".

The content on this web site ("this web site") is made available by Zurich on the terms and conditions set out in this "Legal" section. Zurich may at any time revise these terms and conditions by updating this posting. Each and every time you access or browse this web site you are deemed to accept the then current terms and conditions without limitation or qualification. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions. If you do not agree to these terms and conditions, please do not use or access this web site.

No warranty is given that access to this web site will be uninterrupted or free from errors or that any identified defect will be corrected. Further, no warranty is given that this web site is free from any viruses or other malicious, destructive or corrupting code, agent, program or macros or that viruses or other harmful components will not be transmitted in connection with or arising from the use of this web site.

The information in this web site and in the web sites of other entities of the Zurich Insurance Group has been prepared from material believed to be accurate and reliable at the time it was sourced. However, the information is provided "as is" and, to the extent permissible by law, no Zurich company, nor any of its directors, employees or agents, gives any guarantee, representation or warranty as to its reliability, accuracy or completeness, nor accepts any responsibility or liability arising in any way (including by reason of negligence) for errors in, or omissions from, the information. Zurich also does not accept any responsibility, or owe any duty of care, to any person acting, or refraining from acting, as a result of information on this web site and provides the information without warranties of any kind, either express or implied, including but not limited to warranties of title, non-infringement of thirds parties’ rights, quality, merchantability, and fitness for a particular purpose.

All information contained on any web page set up by an entity of the Zurich Insurance Group is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. You should consult your own legal or tax advisor with respect to your personal situation. In no event shall Zurich be liable for any direct, indirect, special, incidental or consequential damages arising out of the use of the information on this web site.

Zurich shall in no event or circumstances be liable for any damages of any character or any claim, demand, losses or expenses including without limitation, direct, indirect, special, consequential or punitive damages or economic loss arising from or in connection with the use of this web site and its contents, including without limitation:

• Any access, use or the inability to access or use this web site, or reliance on the contents of this web site (including any unit pricing information);

• Any system, server or connection failure, error, omission, interruption, delay in transmission or computer virus;

• Any use of or access to any other website linked to this web site; or

• Any services, products, information, data, software or other material obtained from this website or from any other website linked to this website.

Howsoever caused, including negligence, even if Zurich or its employees, officers or agents have been advised of the possibility of such damages, losses and/or expenses. This exclusion clause shall take effect to the fullest extent permitted by applicable law.

"Zurich" and “Travel Guard” and its logos are registered trademarks. Unless otherwise noted, the graphic images, button, layout, and text contained in this web site and in the web sites of other entities of the Zurich Insurance Group are the exclusive property of Zurich and may not be copied or distributed, in whole or in part, without the express written consent of the applicable Zurich entity. Nothing on this Site should be construed as granting a license or any other right to use any copyrights, trademarks or logos. Permission is granted to print copies of documents on this web site, and to display and use those documents with a computer solely for personal use provided you do not remove any copyright or other proprietary right notice. However, you must not reproduce any content from this web site for a commercial purpose or for a profit making purpose.

Zurich can only control what happens on this web site. Zurich cannot guarantee that the hyperlinks set out on this web site will be accurate at the time of your access. The presence of a hyperlink from this web site does not imply any kind of endorsement by Zurich of the content of the linked web site. Zurich is not responsible for any information or material located at other web sites. This includes any documents available on the website where we clearly indicate is derived from a source external to Zurich.

The sites pointed at by hyperlinks are developed and maintained by persons over whom Zurich has no control. Once you leave this web site, Zurich cannot control the information you access. Zurich cannot and does not monitor the sites linked to this web site and assumes no responsibility for the content of any sites referenced to by any hyperlink or otherwise.

Zurich believes that its making hyperlinks available to publicly accessible web pages and newsgroups is legally permissible and consistent with the common and customary expectations of those who make use of the Internet. Each individual web site has its own set of policies about what information is appropriate for public access.

Zurich does not warrant that any information, software or other material accessible through any of its web site pages is free of viruses, worms, trojan horses or other harmful component.

Zurich is not obligated to monitor any transmission made through its web pages and newsgroups. However, Zurich has the right, but not the obligation, to monitor any transmission, and may use or disclose information obtained through your use of this site.

The minimum information you need to provide to enable Zurich to complete a request you may make is highlighted on the Contact Us page. Your contact details will be used to respond to your information requests about Zurich and its products. You will be unable to submit a request for information without providing these minimum details.

By sending any information to Zurich through this website (including any data, questions, comments, requests, suggestions or information for inclusion in this web site) you:

• Consent to Zurich to use such information for the purpose of responding to your questions, comments, requests or suggestions
• Represent that the information is not confidential to or owned by any person
• Represent that the receipt of the information by Zurich will not expose Zurich to any civil or criminal liability
• Subject to the privacy policy on this web site, license Zurich to disclose non-personal information at any time in the future in any form and for any purpose
• Represent that the information is not illegal, defamatory or otherwise likely to expose Zurich to any civil or criminal liability; and
• Agree to indemnify Zurich and all of its employees, officers and agents from any loss suffered by them as a result of any use of, or reliance on that information

Zurich has privacy guidelines in place to ensure the confidentiality of any personal details you choose to provide through this web site. For more details on Zurich's privacy principles, please click on the Privacy link at the bottom of this page.

Any reference to currency is a reference to Singapore Dollars unless otherwise specified.

The information on this web site is of a general nature only. Full details of products and services on this web site can be obtained by contacting Zurich or your adviser.

The information about financial products on this web site has not been provided with any particular investment objectives, financial situation or needs in mind. Before making an investment decision you should consider whether the investment is appropriate in light of your investment needs, objectives and financial circumstances. You may want to obtain the assistance of an adviser before making that decision. You should always refer to the full product documentation available from your financial adviser before making any decisions.

The past performance of the investment funds offered by Zurich products is no indication of their future performance.

No member entity of the Zurich Insurance Group guarantees the repayment of capital or the performance of any investment or life insurance product except to the extent specified in any offer document for the particular product.

Any forecasts on this web site are subject to change without notice.

Zurich believes that the taxation and other information contained in articles displayed on this web site was correct at the time of first display. All assumptions and examples are based on the continuance of present laws and Zurich's interpretation of them. Zurich does not undertake to notify recipients of changes in the law or its interpretation. To the extent permissible by law, Zurich excludes all liability for any loss or damage whether direct, indirect or consequential, arising in any way out of the use of, or in relation to, the information contained in these documents or results obtained from the use of them.

Any products or services offered through this web site by Zurich is to Singapore citizens, Singapore Permanent Residents or foreign nationals residing in Singapore. Nothing in this web site shall be construed as an offer to sell, or as the solicitation to buy, or the provision of any product or service outside of Singapore. In the event that the jurisdiction you are in imposes restrictions on or does not permit access to the contents of this web site, you must comply with such restrictions or discontinue access (as the case may be) to this web site.

By accessing this web site and/or using the services offered through this web site, you agree that the laws of Singapore govern such access to this web site and the provision of such services, and you agree to submit irrevocably to the exclusive jurisdiction of the courts of Singapore.