Terms of use

 ACCEPTANCE OF TERMS

This Web Site is owned and maintained by Chubb Life Insurance Myanmar Limited and/or one or more of its affiliates (the "Owners", “we” or “our”) which are members of the Chubb Group of Insurance and Reinsurance Companies (collectively, the “Chubb Group”).

This Web Site provides users with access to an online collection of information and materials. These materials may include insurance applications and policy forms and other information related to certain insurance products and services ("Products and Services") offered by providers of insurance and insurance-related services operating within Chubb Group. This Web Site also contains text, pictures, graphics, logos, button items, images, works of authorship, and other information (collectively, "Content"), and may provide access to certain proprietary software used in connection with navigating and utilizing the functionality offered through this Web Site ("Software").

PLEASE NOTE: Your access to and use of this Web Site are subject to the following Terms of Use set forth below, as well as all applicable laws and regulations. Please read these terms carefully. If you do not accept and agree to be bound by any of these Terms of Use, please do not access or use this Web Site.

These Terms of Use may be changed, modified, supplemented or updated by the Owners from time to time without advance notice.

Limited License and Site Access – The Owners hereby grant you a non-exclusive, limited and personal license to access and make personal use of this Web Site but not to download (other than page caching) or modify it, or any portion of it, except with the express written consent of the Owners. This license does not include any resale or commercial use of this Web Site or its contents; any collection or use of any product listings, descriptions or prices; any derivative use of this Web Site or its contents; or any use of data mining, robots or similar data gathering and extraction tools. Neither this Web Site nor any part of it may be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose without the express written consent of the Owners. You may not frame or utilise framing techniques to enclose any trademark, logo or other proprietary information (including, without limitation, images, texts, page layout or form) of Chubb Group or the Owners without their express written consent. You may not use any meta-tags or any other "hidden text" utilising any of the name(s) of Chubb Group or the Owners or any other service marks without the express written consent of their Owners. Any unauthorised use terminates the permission or license granted to you under this license.

Copyright – Except as otherwise expressly stated, all Content and Software appearing on this Web Site are the copyrighted work of Chubb Group or the Owners or third party content suppliers and are protected by local and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Content and Software is also the exclusive property of Chubb Group or the Owners and is protected by the local and international copyright laws.

You may download information from this Web Site and print out a hard copy for your personal use provided that you keep intact and do not remove or alter any copyright or other notice contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any Content obtained from this Web Site, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorization of the relevant Chubb Group company, the Owners or any other third party information provider who owns the information or is otherwise authorised to give such authorisation. The use of the Contents, including any images, by you or anyone else authorised by you, is prohibited unless specifically permitted by the Owners, the relevant Chubb Group company or any other third party information provider who owns those Contents or is otherwise to give such permission. Any unauthorised use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity and applicable regulations and statutes. None of the Chubb Group Companies, the Owners nor their respective employees, directors or officers warrant or represent that your use of the Contents, Services, Software or any other materials displayed on this Web Site does not infringe rights of third parties.

Trademarks and Service Marks – Certain trademarks, including "CHUBB", “CHUBB GROUP”, "ESIS" and "Westchester", are the registered service marks of Chubb Limited or one of its subsidiaries. The domain name for this Web Site (www.chubb.com/mm-en), the Chubb logos, all page headers, custom graphics, and button icons are service marks, trademarks, logos, and/or trade dress of Chubb Group. All other trademarks, service marks, trade dress, product names, company names or logos, whether registered or not, on the Web Site are the property of their respective Owners. In addition to complying with all applicable laws, you agree that you will not use any such trademarks, service marks, trade dress, or other logos from this Web Site without the prior written authorization of the Owners.

Information submitted via this Web Site – With the exception of any personal data or information you submit (which shall be maintained in accordance with our Chubb Online Privacy Statement), any information you transmit to the Owners via this Web Site, will be treated as non-confidential and non-proprietary and will become the property of the Owners.

Prohibited Use – The following is prohibited: any use or attempted use of this Web Site (i) for any unlawful, unauthorized, fraudulent or malicious purpose, or (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or (iii) to interfere with any other party's use and enjoyment of the Web Site, or (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, or (v) to access systems, data or information not intended by the Owners to be made accessible to a user, or (vi) to obtain any materials or information through any means not intentionally made available by the Owners, or (vii) for any use other than the business purpose for which it was intended.

In addition, in connection with your use of the Web Site, you agree you will not:

a) Upload or transmit any message, information, data, text, software or images, or other content ("Material") that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or otherwise objectionable, or that may invade another's right of privacy or publicity.

b) Create a false identity for the purpose of misleading others or impersonate any person or entity, including but not limited to any Chubb representative, or falsely state or otherwise misrepresent your affiliation with a person or entity.

c) Upload or introduce files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another.

d) Delete any author attributions, legal notices or proprietary designations or labels that you upload to any communication feature.

e) Upload or transmit any unsolicited advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes" or any other form of solicitation, commercial or otherwise.

g) Violate any applicable local, state, national or international law.

h) Upload or transmit any Material that infringes any patent, trademark, service mark, trade secret, copyright or other proprietary rights of any party.

i) Delete or revise any Material posted by any other person or entity.

j) Manipulate or otherwise display the Web Site by using framing, mirroring or similar navigational technology or directly link to any portion of the Web Site other than the main homepage, www.chubb.com/mm-en, in accordance with the limited license and Web Site access outlined above.

k) Register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for any Product or Service if you are not expressly authorized by such party to do so.

(l) Harvest or otherwise collect information about others, including e-mail addresses.

The Owners reserves the right to take whatever lawful actions it may deem appropriate in response to actual or suspected violations of the foregoing, including but not limited to the suspension or termination of the user's access and/or account. The Owners may cooperate with legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong. Except as may be expressly limited by the Chubb Online Privacy Statement, the Owners reserves the right at all times to disclose any information as the Owners deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in the Owners' sole discretion.

SECURITY & CONTROL

Password Accounts, Passwords, and Security – If you have been given the option to open an account on this Web Site which will provide you with access to password protected portions of the site. The Owners will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by the Owners or another party due to someone else using your account or password. You may not use anyone else's account at any time, with or without the permission of the account holder.

Right to Monitor – The Owners reserve the right to monitor usage of this Web Site at any time as the Owners deem appropriate and to remove from the Web Site any materials that the Owners consider, in their sole discretion, inappropriate or illegal, may subject the Owners to liability, may violate the Policies and Statements or that are inconsistent with the purpose of this Web Site. However, the Owners do not exercises editorial control over the contents of any third party's web site, electronic mail transmission, news group or other material created or accessible over or through this Web Site by any third party.

Privacy Policy – We urge you to read our Chubb Online Privacy Statement for further information.

GENERAL PROVISIONS

Disclaimer – Information contained on this Web Site is for convenience only and does not constitute investment, financial or other professional advice or recommendations upon which a user may rely. Chubb Group and the Owners have used reasonable efforts in collecting, preparing and providing quality information and material, but make no representation, warranty or guarantee as to the accuracy, completeness or adequacy of any information contained in or made available through this Web Site or any other web site maintained by Chubb Group. Users relying on any of this information do so at their own risk.

This Web Site may provide you with planning and educational tools such as calculators. These tools allow you to project results based on the information and assumptions identified. The projected results are illustrative only. There is no guarantee that the results shown are accurate or will be achieved. In addition, these tools are not part of any planning report for which you may have paid a fee, even if they include information derived from or contained in that report.

This Web Site may from time to time contain forward-looking statements. Any forward-looking statements made by or on behalf of an Chubb Group company reflect current views with respect to future events and financial performance. They are subject to uncertainties and inherent risks that could cause actual results to differ materially from those contained in the forward-looking statement.

YOU USE THIS WEB SITE AT YOUR OWN RISK. ALL CONTENTS AND SOFTWARE ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS, AND TO THE EXTENT PERMITTED BY APPLICABLE LAW, CHUBB GROUP AND THE OWNERS EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. CHUBB GROUP AND THE OWNERS MAKE NO WARRANTY AS TO THE ACCURACY AND TIMELINESS OF THE CONTENTS AND THE SOFTWARE; THAT THEY ARE FREE FROM INTERUPPTION, VIRUSES OR OTHER CONTAMINATING OR DESTRUCTIVE PROPERTIES; THAT COULD DAMAGE YOUR COMPUTER SYSTEM; THAT THERE WILL BE NO DELAYS, FAILURES, OMISSIONS OR LOSS OF TRANSMITTED INFORMATION; OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED. YOU HAVE SOLE RESPONSIBILITY FOR ENSURING ADEQUATE PROTECTION AND BACK UP OF DATA AND/OR EQUIPMENT AND FOR UNDERTAKING REASONABLE AND APPROPRIATE PRECAUTIONS TO SCAN FOR COMPUTER VIRUSES OR OTHER DESTRUCTIVE PROPERTIES.

CHUBB GROUP AND THE OWNERS MAKE NO REPRESENTATIONS OR WARRANTIES AS TO THE ACCURACY, FUNCTIONALITY OR PERFORMANCE OF ANY THIRD PARTY SOFTWARE THAT MAY BE USED IN CONNECTION WITH THE WEB SITE.

Limitation of Liability – YOU UNDERSTAND AND AGREE THAT, TO THE EXTENT PERMITTED BY APPLICABLE LAW, CHUBB GROUP AND THE OWNERS WILL NOT, CONTINGENT OR OTHERWISE, BE LIABLE TO YOU OR TO THIRD PARTIES FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF USE OF DATA OR OTHER INTANGIBLE LOSSES (EVEN IF THE OWNERS HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES RESULTING FROM YOUR USE, RELIANCE ON OR INABILITY TO USE AND/OR ACCESS THE WEB SITE, ANY OF ITS CONTENTS OR SOFTWARE OR ANY PRODUCTS AND/OR SERVICES AVAILABLE ON IT); ANY COSTS OF OBTAINING SUBSTITUTE PRODUCTS AND/OR SERVICES RESULTING FROM THE LOSS OF DATA OR FROM PRODUCTS OR SERVICES PURCHASED THROUGH THE WEB SITE; ANY STATEMENT OR CONDUCT OF ANY THIRD PARTY OR ANY OTHER MATTER RELATING TO THE WEB SITE, ITS CONTENTS OR SOFTWARE OR ANY PRODUCTS AND/OR SERVICES AVAILABLE THROUGH IT. YOU UNDERSTAND AND AGREE THAT BY USING THE WEB SITE, YOU AGREE TO WAIVE YOUR RIGHT TO SUE THE OWNERS OR OTHER CHUBB GROUP COMPANIES FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THE WEB SITE. NOTHING IN THESE TERMS OF USE OPERATES TO LIMIT ANY LIABILITY OF THE OWNERS OR OTHER CHUBB GROUP COMPANIES ARISING FROM (I) DEATH OR PERSONAL INJURY CAUSED BY OR ARISING FROM NEGLIGENCE; AND (II) FRAUD.

Indemnification – You agree to indemnify, defend and hold harmless the Owners and their respective officers, directors, employees, contractors, agents, licensors, service providers, subcontractors and suppliers from and against any and all losses, liabilities, expenses, damages and costs, including reasonable attorneys' fees and court costs, arising or resulting from your use of the Web Site. If you cause a technical disruption of the Web Site or the systems through which the site is transmitted to its users, you agree to be responsible for any and all losses, liabilities, expenses, damages and costs, including reasonable attorneys' fees and court costs, arising or resulting from that disruption.

Governing Law; Severability of Provisions – These Terms of Use are governed by the laws of Myanmar. If any provision is deemed by a court of competent jurisdiction to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.

Last Updated: June 19, 2019.