Condition of Access

Access to this website is granted by ETIQA GENERAL INSURANCE BERHAD, ETIQA GENERAL TAKAFUL BERHAD, ETIQA LIFE INSURANCE BERHAD AND ETIQA FAMILY TAKAFUL BERHAD (hereinafter referred to as "EGIB, EGTB, ELIB and EFTB") and is subject to the following conditions:


References to 'you', 'your' and 'yours' are references to the person(s) accessing this website. References to 'we', 'us' and 'our' are references to EGIB, EGTB, ELIB and EFTB. The headings herein are inserted for reference only.

The information, material, functions and content provided in this website and the Conditions of Access as specified herein may be changed from time to time with or without notice at our absolute discretion. However, where the variation or change is in our sole opinion, of a substantial nature and materially affects your access to this website we shall notify you of such variation or change by giving you seven (7) days prior notice by display on our website or by such other mode as we deem fit, unless we are unable to do so due to circumstances beyond our reasonable control. Where the variation is in respect of these Conditions of Access, your continued access to this website subsequent to such variation shall be deemed as your agreement and binding acceptance of the same.

Your Conduct

Your access to this website shall at all times be in compliance with any guidelines, directions of us or any law, regulations or legislation as may be applicable and you agree that you shall not abuse or misuse this website or the services herein, in any way. Without prejudice to the generality of the foregoing, you shall not nor assist any other person to hack into or obtain unauthorized access to this website or any services herein or interfere with the access and use of the same by others. Further, you agree that you shall not carry out nor assist any other person to transmit communication, information or materials which adversely affects our rights or the rights of others, which is morally offensive, which adversely affects our internet insurance system or the security of our internet insurance system or which is otherwise against the law.

Access to The Website

You may change your password from time to time, following which, your use of this website through the new password will be governed by these Conditions of Access.

Important DOs and DON'Ts
  1. You should not share your Username or Password or OTC with any other person. If you know or have reason to suspect that your password has been compromised or used by another person without your consent, you must change your password or inform us immediately.
  2. You should never display your account information in an area visible to others.
  3. Your PC or other device by which you access this website should never be left unattended.
  4. Clear the Cache memory after use to clear private information stored within.
  5. We will never ask you for your Username and Password through email. Please report to us should you receive such an email.
  6. It is your responsibility to keep your Internet Browser up to date with the latest security updates.
  7. Please update us of any changes to your mobile telephone number in order to ensure that the OTC will be transmitted correctly.

Your registration to use and access this website will constitute your agreement to and receipt of these Conditions of Access as well as your acknowledgement and acceptance of the inherent risk in conducting any transaction over the Internet. You are liable for all instructions and transactions carried out through the use of your Username and password to access your account whether or not authorized by you. We will not be liable to you when we act on such instructions in good faith. If we act on such instructions, we will not verify the origin or authenticity of such instructions. Once we receive such instructions, they will be treated as irrevocable and binding instructions from you regardless of whether or not there is any error or forgery or fraud concerning such instructions. We may (will not be obliged to) cancel any instructions given under your Username and password without any liability if we know or have reason to believe that a criminal act, a fraudulent act, offence or breach of any regulation or legislation will be or has been committed. We may refuse or stop carrying out any or all instructions or reverse any actions carried out arising from your instructions if we are of the opinion that such instructions are unlawful, not properly authorised by you or for any other reason whatsoever. We have the right to require confirmation in writing of any transaction from you. You agree that in all the situations stated above, we will not be liable for any resulting damages and losses. Any instruction given by you for your account will be carried out in the normal course of business. We do not warrant that any instruction will be carried out within a particular time period or in any particular order. In addition to any other provisions set out in these Conditions of Access, we will not be liable to you if you:

Disclaimer of Warranties and Liabilities

The following clauses exclude or limit our liability for this website. You should read them carefully.

No Warranties

Whilst we will use our reasonable endeavors to ensure the accuracy, currency, availability, correctness and completeness (in the context of its purpose) of the information and materials contained in this website, all information and materials including those on services, products, financial information, data, text, graphics, audio, video, links or other items are provided strictly 'as is', and 'as available' and is so provided for your information and reference only. Therefore we do not warrant the accuracy, adequacy or completeness of such information and materials and expressly disclaims liability for errors or omissions in such information and materials. The use thereof is at your sole risk. No warranty of any kind, implied, express or statutory, including but not limited to any warranty of title, non-infringement of third party rights, merchantability, satisfactory quality, fitness for a particular purpose and freedom from computer viruses, is given in conjunction with this website, or any information and materials therein. No warranty is given that access to any information or materials on this website or this website as a whole will be provided uninterrupted or free from errors or that any identified defect will be corrected. Further, no warranty is given that this website or any information or materials are free from any virus or other malicious, destructive or corrupting codes, agents, programs or macros. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with this website.

Scope of Website Usage
Intended users

This website (and especially any insurance information offered through this website) is currently intended for those who access it from within Malaysia only and nothing herein shall be construed as EGIB and/or EGTB and/or ELIB and/or EFTB providing insurance information and facilities outside of Malaysia. Materials and information in this website are not intended for use by persons located in or resident in jurisdictions which restrict the distribution of such materials and information and we do not guarantee that this website complies with or is appropriate for use in places outside of Malaysia. You are required to inform yourselves about and observe any relevant laws, regulations and local practices whether in relation to restrictions or otherwise and also any applicability thereof in the light of your own individual circumstances.

Without affecting the generality of the foregoing, any information or material on products and services is intended to be of general information to persons within Malaysia only. Nothing in this website should be regarded as any advice or recommendation with respect to products and services or as any offer or solicitation to buy the said products and services. You should seek professional advice at all times and obtain independent verification of the materials and information provided in this website prior to making any investment, business or commercial decision based on any such materials or information.

You are wholly responsible for use of the website by yourself and/or any person using your computer and you must ensure that any such person complies with the terms and conditions herein. In the event that the laws of the jurisdiction you are in do not permit or impose restrictions on the access to the contents of this website, you shall forthwith discontinue access or comply with such restrictions (as the case may be).

Copyright and Trademarks

The copyright in this website is owned by EGIB, EGTB, ELIB and EFTB. No part or parts hereof may be reproduced, distributed, republished, displayed, broadcast, hyperlinked, framed or transmitted in any manner or by any means or stored in an information retrieval system save for the provision in the paragraph captioned 'Restricted Use for Agents and Potential Agents' below. You are prohibited from inserting, creating or in anyway providing a hyperlink to this website on any other website, frame or "mirror" any material contained on this website on any other server.

All text, graphics, images, art, photos, video or other multimedia work or any combination thereof available on this website are at all times protected by copyright, trademarks and service marks and any other applicable Intellectual Property or proprietary rights, all of which are the property of EGIB, EGTB, ELIB and EFTB and where applicable, third party proprietors. No right or license is given to any party accessing this website to download, reproduce or use any such content. No trade mark or service mark displayed on this website may be used as a link to any EGIB, EGTB, ELIB AND EFTB member's site or any other site unless establishment of such a link and use of such trade mark or service mark is approved in advance at the sole discretion of EGIB, EGTB, ELIB and EFTB in writing.

Restricted Use for Agents and Potential Agents

If you are an Agent of EGIB, EGTB, ELIB and EFTB, you may print, copy, download or temporarily store extracts from this website, strictly your personal information and provided nothing is altered, when you use or are contemplating the use of our products and services for which the page or extract from this website is relevant in your direct/indirect soliciting of insurance business for EGIB, EGTB, ELIB and EFTB.

Agents are not allowed to misuse this portal to register on behalf of customer or to download the customer information.

No granting of rights

Any rights not expressly granted herein are reserved.


Links to other sites

Where we provide hypertext links to other locations on the Internet, such is done for information purposes only. No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on this website. We shall not assume any form of responsibility for the content of any other websites or extracts from links or pages linked to or linking to this website. We have not verified the content of any such websites nor do we assume any responsibility to verify the content of such websites. Following links to any other websites or pages shall be at your own risk and we shall not be responsible or liable for any damages or in any other way in connection with linking.

Downloadable software

Links to downloadable software sites are for convenience only and we will not be responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

Personal Data Protection / Use
Our Personal Data Policy

As a result of your interaction with this website, we may hold and process personal information obtained about you when you access this website and use it for servicing our relationship or potential relationship with you and to identify products and services which may be relevant to you from within EGIB, EGTB, ELIB and EFTB, and to evaluate the effectiveness of our marketing of this website and for statistical analysis. We may pass this information to our related companies so that they may do the same. We will not disclose any such information outside of EGIB, EGTB, ELIB and EFTB except where you have consented to such disclosure, where it is required/obliged by law, regulation or any other directive or order by any authority having jurisdiction over us, where it is to give effect to an instruction given by you, to provide you with the service herein, to enforce and protect our rights and property or any provisions of this Conditions of Access, for audit purposes or, where necessary and under requirement of strict secrecy, to sub-contractors or persons acting as our agents. Please see our Privacy Policy for further information on how we safeguard your personal information.

Security of Messages
Messages sent at user's risk

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We will not be responsible for such messages and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.


You hereby irrevocably agree to indemnify and keep us indemnified from all liabilities, claims, losses (directly or indirectly) and expenses, including any legal fees on a full indemnity basis, that may be incurred by us in connection with or arising from:

No waiver

Any failure of us to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision.


If any part of these terms and conditions is determined to be invalid or unenforceable pursuant to any law, which is applicable to us then the invalid and unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision, without invalidating any other provisions of the terms and conditions herein.

Governing Law and Jurisdiction

By accessing this website and/or using the services offered through this website, you agree that Malaysian law: