Terms of Use


Please read these Terms of Use carefully.

By accessing, using, viewing, downloading content from or browsing this website, or proceeding from this page onwards, you conclude a legally binding agreement with us, China Life Insurance (Singapore) Pte. Ltd., and you accept without limitation or qualification the Terms of Use of this website, including the choice of law and jurisdiction clause set out in section 7.

If you are not prepared to accept these Terms of Use, or if you are not authorised to do so, please cease using the website or proceed from this page onwards.

References in these Terms of Use to "CLIS" (or "we", "us" or "our") refer to the China Life Insurance (Singapore) Pte. Ltd..

Changes in the Terms of Use

These Terms of Use were last updated on 16 November 2018.

We reserve the right to modify these Terms of Use at any time. If you do not agree to any modification of these provisions, you must immediately stop using the website.

Using the website following any such modification constitutes your agreement to follow and be bound by the Terms of Use as modified. Certain provisions of these Terms of Use may be superseded by expressly designated legal notices or terms located on specific pages of this website.

You should regularly visit these Terms of Use from time to time to review the current terms because they shall be equally binding on you.

The obligations created by these terms can be changed only by us.


Service Eligibility

You represent and warrant that you:

(a) have not been previously been suspended or removed from using CLIS–related services; and

(b) have full power and authority to enter into this Agreement and in doing so will not violate any other agreement into which you are a party.

In addition, you must provide all equipment and software necessary to connect to the website, including but not limited to, if our service contains a mobile element, a mobile handset or other mobile access device that is in working order and suitable for using the website and any part thereof.

Intellectual Property Rights

All material available on this website (the "Content") belongs to us or our licensors. We or our licensors own all intellectual property rights (including copyright, trademark and other forms of intellectual property or proprietary rights) in the Content and any selection or arrangement of the Content. You may retrieve and display Content on a computer screen, PDA or mobile phone, print individual pages on paper and store such pages in electronic form on disk or on your mobile phone for your personal, non-commercial use.

You may not use the website for any purpose not expressly set out above. Without limitation, you may not do (nor permit any third party to do) any of the following without our prior written consent:

(a) reproduce, publish, broadcast, transmit, modify, adapt, create derivative works of, store, archive or in any way commercially exploit any of the Content; or

(b) redistribute any of the Content, (including by using it as part of any syndication, content aggregation, archive or similar service); or

(c) remove the copyright or trade mark notice from any copies of the Content made under these Terms of Use; or

(d) create a database in electronic or structured manual form by systematically downloading and storing all or any of the Content; or

(e) deep link to, frame, spider, harvest or scrape the Content or otherwise access the Content for similar purposes; or

(f) use any machine, electronic, web based or similar device to read or extract the Content by automated or machine based means.

You acknowledge that all service or trade marks, trade names and logo published on this website belong to us and that you may not use them without written permission from us.

If you would like to link to this website, please read and comply with the following guidelines and all applicable laws. A site or service that links to this website:

(a) must not otherwise use any our trade mark, trade names and logo without permission from us;

(b) may link only to the homepage of this website unless we have otherwise given prior written permission;

(c) must not in any way imply that we are endorsing it or its products or services;

(d) must not misrepresent its relationship with us or present false information about us;

(e) must not be a site or service that infringes any intellectual property or other right of any person or that otherwise does not comply with all relevant laws and regulations; and

(f) must not be a site or service that contains content that could be construed as distasteful or offensive.

We expressly reserve the right to require that any link in breach of these Terms of Use be removed (and you agree to remove any such link immediately upon request) and to take whatever other action we deem appropriate.


You undertake that any information or data you supply to this website:

(a) shall not be false, inaccurate or misleading;

(b) shall not be fraudulent or involve the representation of counterfeit or stolen items;

(c) shall not infringe any third party's copyright, patent, trademark, trade secret or other proprietary rights or rights of privacy;

(d) shall not violate any law, statute, ordinance or regulation (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising);

(e) shall not be defamatory, trade libellous, unlawfully threatening or unlawfully harassing;

(f) shall not be obscene or contain pornography;

(g) shall not contain any viruses or other computer programming routines that may or will damage, detrimentally interfere with, intercept or expropriate any system, data or personal information;

(h) shall not create liability for us or cause us to lose (in whole or in part) the services of our internet service providers or other suppliers; or

(i) shall not be such as to cause us to violate any applicable law, statute, ordinance or regulation or bring us into disrepute with any professional body, trade organisation, government department or inter-governmental organisation.

If you disclose any information for the purposes of engaging our services, including procuring an insurance policy contract, such information provided shall not constitute the disclosure of information necessary for the purposes of an insurance policy contract between us and you, and you will still be required to provide such information in the respective forms for the procurement of the insurance policy contract, unless it is otherwise stated in this website.

You understand and agree that the internet, including electronic webmail, is not a secure medium. If you provide any information to us via this website, by electronic webmail or otherwise, all such information shall be considered non-confidential, unless agreed otherwise in a separate contact between you and us or required by law. In sending us any information, you automatically grant, and you represent and warrant that you have the right to grant and hereby grant, to us an irrevocable, perpetual, non-exclusive, fully-paid, worldwide license to use, reproduce, modify, create derivative works from, distribute, translate, transmit, broadcast, and otherwise communicate, and publicly display and the information and derivative works thereof in any form, anywhere, and to grant and authorise sub-licenses through multiple tiers of the foregoing with or without attribution to you, and without any notice or compensation to you of any kind. You also understand and agree that we, in our sole discretion, may delete any such information for any reason.


The information and data available on this website presented in text, graphics or whatever form, may include inaccuracies or errors and we reserve the right to periodically make changes to the information or data on this website.

This website contains links to other internet websites provided by independent third parties ("Third Party websites"). We are not responsible for the availability or content of Third Party websites and will not be a party to, or in any way responsible for any information or data provided, or transaction concerning goods or services available from such Third Party websites. If you rely on any information or data, or purchase products or services from a Third Party website, your contract for such products or services will be with the third party and not with us. Our Personal Data Protection Policy does not apply to Third Party websites, so it is recommended that you refer to the privacy policies in such Third Party websites that may apply to you.


The Content is only for your information and use, and is not intended to address your particular requirements. In particular, the Content does not constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not, intended to be relied upon by users in making (or refraining from making) any specific commercial or other decisions. Any agreements, transactions or other arrangements made in reliance on any information or data presented in this website is at your sole risk and responsibility. We are not responsible for any use of the Content by you outside its scope as stated in these Terms of Use.

While we use reasonable efforts to include accurate and up to date information in the website, this website is published "as is" and "as available" without any warranties or representations as to the information, content or materials contained in it. We assume no liability or responsibility for any errors or omissions in the content of the website. You expressly agree that your use of browsing in and reliance on any information contained in this website is at your own risk and imposes no obligation or other liability on us.

In the event that any provision of this Agreement or the application thereof shall be invalid or unenforceable to any extent, such provision shall be enforced to the maximum extent permissible and the remaining portions of this Agreement shall remain in full force and effect. Any invalid or unenforceable provision of this Agreement shall be replaced with a provision which is valid and enforceable and most nearly reflects the original intent of the invalid or unenforceable provision.

CLIS, our affiliates and their respective officers, directors, employees, representatives and agents, or any other party involved in creating, producing, or delivering the website shall NOT be liable for any direct, incidental, consequential, indirect, or punitive damages (including without limitation loss of profit, loss of revenue, loss of goodwill, loss of management time, third party liability, business interruption, loss of use of any tangible or intangible asset including data recorded on any computer or other machine, or loss of any anticipated benefit arising out of your access to, or use of, the website, save in the case of fraudulent misrepresentation.

Without limiting the foregoing, everything on the website is provided without warranty of any kind, whether expressed or implied.

To the greatest extent permitted by applicable laws, under no circumstances, except as expressly set forth in this Agreement, shall we be liable to you on account of any claim (regardless of whether liability is based upon contract, warranty, negligence or other tort, breach of any statutory duty, indemnity, or otherwise) for any special, consequential, reliance, indirect, incidental, punitive or exemplary damages, whether foreseeable or not, including but not limited to lost profits, revenue, or goodwill occasioned by any defect in this website, or any other cause whatsoever with respect to this website or this Agreement, damage or loss of property, equipment, information or data, or for any damages or sums paid by you, even if we have been advised or are aware of the possibility of such damages.

We use reasonable endeavours to protect this website from viruses but assume no responsibility, and shall not be liable for, any damage to, or viruses that may infect, your computer equipment or other property, including data, on account of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website. We do not warrant that this website, its servers or any email sent on its behalf are free from viruses or other harmful components.You are recommended to take all appropriate safeguards before downloading information from this website.

Although reasonable endeavours are used to maintain this website, we shall not be liable for any losses caused by data or information leakage, failure or stoppage of the website for any reason, including without limitation virus contamination, deliberate damage by hackers, failure of hardware software or systems, power failure, failure of telecommunications lines or any criminal activity of a third party, or any matter beyond our control.


You agree to defend, indemnify, and hold harmless CLIS, our affiliates and their respective officers, directors, employees, representatives and agents, from and against any and all liabilities, claims and expenses, including without limitation legal and accounting fees (on a full indemnity basis), that directly or indirectly arise from or in connection with but not limited to, your acts, omissions and errors and wilful negligence, your breach of these Terms of Use, access to and use of this website or any service provided in this website.


These Terms of Use shall be governed by, and construed in accordance with, the laws of Singapore.

To the extent possible in the applicable jurisdiction, the parties irrevocably agree that the courts of Singapore shall (subject to the paragraph below) have non-exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these Terms of Use, and for those purposes irrevocably submit all disputes to the jurisdiction of the courts of Singapore.

For the exclusive benefit of CLIS and to the extent possible in the applicable jurisdiction, we shall retain the right to bring proceedings as to the substance of the matter in the courts of the country of your residence or, where these Terms of Use are entered into in the course of your trade or profession, the country of the place of business in which you agreed to these Terms of Use or (if different) the country of your principal place of business.


You may not assign, sub-license or otherwise transfer any of your rights under these Terms of Use.

If any provision of these Terms of Use is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these Terms of Use, which shall remain in full force and effect.

You agree that these Terms of Use are not intended to confer and do not confer any rights or remedies upon any person other than the parties to these Terms of Use. Our obligations are subject to existing laws and legal process and we may comply with law enforcement or regulatory requests or requirements notwithstanding any contrary term.

Failure by us to exercise any right or remedy under these Terms of Use does not constitute a waiver of that right or remedy.

Headings in these Terms of Use are for convenience only and will have no legal meaning or effect.