TERMS OF USE

 

Copyright 

The content contained in this Website, including but not limited to all design, text, sound recordings, and images, is owned, except as otherwise expressly stated, by Aon Singapore Pte Limited, a company incorporated in Singapore (Company Registration Number: 198301525W) and having its registered office at 2 Shenton Way, #26-01 SGX Centre 1, Singapore 068804,  Aon plc or one of its subsidiaries ("Aon"). Except as otherwise expressly stated herein or to the extent permitted by law, the content may not be copied, transmitted, displayed, performed, distributed, licensed, altered, framed, stored for subsequent use, or otherwise used in whole or in part in any manner without Aon’s prior written consent. Users of this site may be permitted to download certain material posted on this site (e.g. white papers). When using downloadable materials, all copyright, trade mark, and other proprietary notices must be kept intact and remain in effect. By accessing or using this site you will be bound by the Terms of Use set out below ('the Terms of Use'). We may change these Terms of Use at any time without notice. Any amendment will be effective immediately. Your use of this website after any amendment constitutes an Agreement by you to comply with and be bound by the amended Terms of Use. Accordingly, you should read these Terms of Use from time to time for changes.
 

Trademark 

The trademarks, service marks, trade names, and logos (“Marks”) associated with this Website are owned by Aon, or third parties who have authorized their use.
Nothing contained on this Website should be construed as granting any license or right to use any Mark displayed on the Website without the written permission of Aon or such third party that may own the Mark. Misuse of any Marks, or any other content, displayed on this website is prohibited.
 

Content 

Aon makes no representations about the suitability of the content of this site for any purpose. All content is provided "as is" without any warranty of any kind. Where we provide (upon your request) you with more information concerning any product listed in this website, this in itself shall not be taken to be a representation or warranty by us that the product is suitable for you.

AON HAS NOT MADE AND DOES NOT MAKE ANY WARRANTY OF ANY KIND WHATEVER, EXPRESS OR IMPLIED, WITH RESPECT TO THE CONTENTS OF THIS SITE; AND ALL IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE ARE HEREBY DISCLAIMED BY AON. AON WILL NOT BE LIABLE TO ANYONE INCLUDING THE USER OF THIS WEBSITE WITH RESPECT TO ANY DAMAGES, LOSS OR CLAIM WHATSOEVER, NO MATTER HOW OCCASIONED, IN CONNECTION WITH ACCESS TO OR USE OF THE CONTENTS OF THIS SITE. IN NO EVENT SHALL AON BE LIABLE FOR ANY SPECIAL, INDIRECT, EXEMPLARY OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO OUR BUSINESS RELATIONSHIP, THE PROVISION OF A QUOTE UNDER THIS WEBSITE, LOSS OF USE, DATA OR PROFITS, WITHOUT REGARD TO THE FORM OF ANY ACTION INCLUDING BUT NOT LIMITED TO CONTRACT OR NEGLIGENCE OR OTHER TORTIOUS ACTIONS, ARISING OUT OF OR IN CONNECTION WITH THE USE, COPYING OR DISPLAY OF THE CONTENT. FOR THE AVOIDANCE OF DOUBT, THIS LIMITATION OF LIABILITY APPLIES TO THE ALL ENTITIES WITHIN THE AON GROUP. “AON GROUP” SHALL MEAN THE AON GROUP OF COMPANIES WORLDWIDE BEING AON PLC, AON’S ULTIMATE PARENT COMPANY, AND ALL ITS AFFILIATES AS WELL AS JOINT VENTURES OF SUCH AFFILIATES.

While Aon believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors and Aon does not warrant that the information is accurate or complete or current. It is your responsibility to verify any information before relying on it. At any time and from time to time Aon may make changes in the products and/or services described herein, however, Aon makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.
Insurance products listed in this website are underwritten by the respective insurers identified in the insurance policy and not by us. This website is not a contract of insurance nor an offer or solicitation by us to enter into any contract of insurance.
 

Links to Other Sites

Some of the sites listed as links herein are not under the control of Aon. Accordingly, Aon makes no representations whatsoever concerning the content of those sites. The fact that Aon has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation by Aon with respect to such site, its owners or its providers. Aon is providing these links only as a convenience to you. Aon has not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and Aon cautions you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.
 

Recommendation Disclosure 

Aon plc, including all of its subsidiaries and affiliates, maintains relationships with clients and business partners around the world. When Aon recommends or mentions a product or service provider, it is possible that the product or service is being offered by one of Aon's clients or business partners.

Aon maintains a strict Code of Business Conduct covering many topics, including antitrust and competition law, conflicts of interest, anti-bribery, privacy, financial reporting, compliance with trade restrictions, protection of confidential information, and compliance with all laws and regulations applicable to the conduct of our business. Aon also files necessary disclosures with all governmental regulators.

If you have any questions about an Aon recommendation or mention of another business entity (or about an entity with whom Aon conducts business), please follow-up with your Aon contact person. Aon is committed to serving our clients in a transparent manner.
 

Fee/Commission Disclosure 

Subsidiaries of Aon plc that provide retail, wholesale and reinsurance brokerage, risk management, underwriting management, captive management and benefits consulting may receive remuneration as commissions or fees paid by an insurer; fees paid by a client in lieu of, or in addition to, commissions; and investment income on premiums, claim payments and return premiums temporarily held as fiduciary funds. In certain circumstances, one or more of these affiliates may also receive compensation in the following forms: commissions or fees paid to reinsurance brokerage or captive management companies for placement or management of reinsurance of a client’s risk; commissions or fees paid to a wholesale broker to which a risk has been referred for placement; commissions or fees paid for premium financing; and compensation paid by underwriters for performance of technical or other services.

If you have any questions regarding the nature or amount of the compensation paid to any Aon company on your account, we encourage you to contact the head of the Aon office that services your account.
 

Export Controls 

Some software from this site may be subject to export controls imposed by the United States of America and may not be downloaded or otherwise exported or reexported: (a) into (or to a national resident of) any country to which the U. S. has placed an embargo; (b) to everyone on the U. S. Treasury Department's Specially Designated Nationals list; or (c) the U. S. Commerce Department's Table of Denial Orders. If you download or use the software, you represent and warrant that you are not located in, or under the control of, or a national of any such country or on such list.
 

Client Data, Collection and Use 

Aon gathers data containing information about its clients and their insurance placements, including, but not limited to, names, industry codes, policy types, and policy expiration dates, as well as information about the insurance companies that provide coverage to its clients or compete for its clients’ insurance placements. This information is maintained in one or more databases.

Aon may use or disclose information about its clients, if required to do so by law, Aon policy, pursuant to legal process or in response to a request from law enforcement authorities or other government officials. In addition to being used for the benefit of Aon’s clients, these databases also may be accessed by other Aon affiliates for other purposes, including providing consulting, and other services to insurance companies for which Aon or its affiliates may earn compensation.

Due to the global nature of services provided by Aon, the personal information Client may provide may be transmitted, used, stored and otherwise processed outside the country where Client submitted that information.

For further information regarding Aon's data privacy practices, please see Aon's Privacy Statement.
 

General Advice Warning 

Any information provided on this site is general in nature and does not take into account your particular objectives, financial situation and needs. Before making a decision about any particular financial product, you should carefully consider all information provided to you, including the policy wording and any applicable product disclosure statement before making any decision to purchase.
Aon is not the insurer of any risk and does not guarantee the acceptance of any application for insurance by any insurer or the availability or price of any form of insurance for your particular risks. Aon also makes no assurance as to the reasonableness of any insurance terms, nor the financial security or solvency of any insurer.  The final choice of insurer remains with you.
You must provide accurate, complete and timely information to enable us to make a fair presentation of the risk to your insurers. You must comply with your legal duty to disclose all material facts when entering into a contract of insurance. You accept full responsibility for the accuracy of the information provided and appreciate that we will rely on the accuracy and completeness of the information you provide in arranging your insurances. Failure to provide all relevant information as described herein (collectively, “Relevant Information”) may prejudice your rights under a contract of insurance. The services may not be appropriate for you in the event of a partial or inaccurate provision of Relevant Information.  We accept no liability for any services provided on the basis of inaccurate or incomplete Relevant Information.
We make every effort to correctly determine the premium and (if applicable) statutory charges that apply to your insurance. However, occasionally errors can occur, for example, where we make an unintentional error or because a third party advises us of the wrong amount. Please note that we retain the right to correct any such error and you agree, to the extent permitted by law, not to hold Aon responsible for any loss you may suffer as a result of the error and its correction.
We reserve the right to assign or transfer these Terms of Use and our rights and obligations (including the performance of the services or any part thereof) hereunder to any other entities of the Aon Group.
  

Record Retention 

As Company Policy we will archive our workpapers and correspondence regarding your matters for seven (7) years unless otherwise required by law. After that date, the file may then be destroyed without further reference to you. You should keep copies of all documentation relevant to your matter for your own record keeping purposes.

If you have any questions about our file retention policy, please contact your Client Relationship Manager.  
 

Promotions

Any promotions on this site are non-transferrable, non-refundable and cannot be resold, exchanged for cash, cannot be used in combination with other promotions, or exchanged for credit or benefit in kind. For details of the terms and conditions applicable to each promotion, please refer to the promotion terms and conditions and associated policy or financial product documentation, terms, conditions and exclusions. Where Aon is not the source supplier of the promotions, any disputes arising from the use or enjoyment of any of the promotions shall be resolved between you and the relevant source supplier. Promotion redemption is subject to the operating terms and conditions of the relevant source suppliers, for which Aon accepts no responsibility or liability whatsoever. The terms and conditions of promotions are subject to change without prior notice and any changes will be made publicly available on this webpage or on the relevant insurer’s website as applicable.
 

Restrictions

You agree that when using the website, you will not:

• do anything which will or might damage, disrupt access to, or interfere with the proper operation of this website, or any transaction being conducted on it;
• do anything which will or might place an unreasonable load on the website infrastructure;
• post, distribute or send any 'spamming material' or any other form of bulk communication;
• impersonate any person or entity
• publish, or disseminate any material which is unlawful, defamatory, indecent, offensive or inappropriate 
• transmit any material which contains viruses, or other computer codes designed to interrupt, limit or destroy the efficient operation of the website, or its software or hardware; and
• do anything which breaches or infringes our property rights in any way, including copyright.

 

Jurisdiction

The information on this website is provided for Singapore residents only. The law applicable in Singapore will apply to the use of this website. The parties irrevocably submit to the exclusive jurisdiction of the courts of Singapore.