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Text Content

 * 
   

 * Insurance
   
   Personal Insurance
   
   Protect Yourself & Your Family
   
    * Health Insurance
    * Personal Accident Insurance
    * Life Insurance
   
   Grow Your Wealth
   
    * Insurance Savings & Investments
   
   Premier Insurance
   
    * The Solitaire Series
   
   For Motor Vehicles
   
    * Car Insurance
    * Motorcycle Insurance
   
   Travel Needs
   
    * Travel Insurance
    * Overseas Study Protection Plan
   
   Home, Maid & Lifestyle
   
    * Enhanced Home Insurance
    * Home Ultimate Protect
    * Domestic Helper Insurance
    * Golfer’s Insurance
    * Personal Mobility Guard Insurance
   
   Corporate Insurance
   
   Protect Your Employees
   
    * Group Insurance for Employees
   
   Protect Your Business
   
    * Commercial Insurance
   
   For Schools
   
    * Group Insurance for Schools & MOE Personnel
   
   SEARCH OUR PRODUCTS
   
   
   
   

 * Claims
   
   Life Insurance Health & Personal Accident Insurance Motor Insurance Travel
   Insurance
   Overseas Study Protection Plan Home Insurance Domestic Helper Insurance i50
   Insurance
   Golfer's Insurance Group Insurance Commercial Insurance
   Unclaimed Policies Claim Statistics
   
   

 * Contact
   
   * Contact Us
   * Find an Advisor
   * Request Advisor Call-Back
   

 * Online Self-services
 * Treats
 * Fund Prices
 * 
 * Login
   * Personal
   * Corporate

Terms of Use
 * Personal
 * Corporate

 * Insurance
 * Claims
 * Contact

 * Online Self-services
 * Treats
 * Fund Prices

SEARCH OUR PRODUCTS


Insurance

   Personal Insurance

 * Protect Yourself & Your Family
   * Health Insurance
   * Personal Accident Insurance
   * Life Insurance
 * Grow Your Wealth
   * Insurance Savings & Investments
 * Premier Insurance
   * The Solitaire Series
 * For Motor Vehicles
   * Car Insurance
   * Motorcycle Insurance
 * Travel Needs
   * Travel Insurance
   * Overseas Study Protection Plan
 * Home, Maid & Lifestyle
   * Enhanced Home Insurance
   * Home Ultimate Protect
   * Domestic Helper Insurance
   * Golfer’s Insurance
   * Personal Mobility Guard Insurance

   Corporate Insurance

 * Protect Your Employees
   * Group Insurance for Employees
 * Protect Your Business
   * Commercial Insurance
 * For Schools
   * Group Insurance for Schools & MOE Personnel

Claims
 * Life Insurance
 * Health & Personal Accident Insurance
 * Motor Insurance
 * Travel Insurance
 * Overseas Study Protection Plan
 * Home Insurance
 * Domestic Helper Insurance
 * i50 Insurance
 * Golfer's Insurance
 * Group Insurance
 * Commercial Insurance
 * Unclaimed Policies
 * Claim Statistics

Contact
 * Contact Us
 * Find an Advisor
 * Request Advisor Call-Back




TERMS OF USE


NOTICE

Please read the following Terms and Conditions carefully. By accessing this NTUC
Income (“Income”) website and all its pages (collectively referred to as either
“our websites” or “Income websites”) and/or by downloading, browsing, accessing
or using any mobile application belonging to Income (referred to as either “our
mobile applications” or “Income Mobile Applications”), you agree to be bound by
the Terms and Conditions below. If you do not agree to the Terms and Conditions
below, please refrain from downloading, browsing, accessing or using our
websites and/or our mobile applications.

 

Income websites and Income Mobile Applications currently provide users access to
a large collection of online resources, including various communication tools,
online forums, commercial services, rewards or treats redemption, government
services, personalised content and information (collectively “Online
Facilities”).

 

Certain sections or pages on Income websites or in Income Mobile Applications
may contain additional terms and conditions, which are in addition to these
Terms and Conditions. In the event of a conflict, the additional terms and
conditions will prevail for those relevant sections or pages.


MEMBER ACCOUNT, PASSWORD AND SECURITY

 1. When purchasing any Income’s products or using any Income’s services
    including the Online Facilities, Income requires you to register an account
    with us by providing your current, complete, accurate and true personal
    information as prompted by the applicable online registration forms.
 2. Income also requires you to maintain and promptly update your registration
    data to keep it true, accurate, current and complete. If you provide any
    information that is untrue, inaccurate, not current or incomplete, or if we
    have any reasonable grounds to suspect so, we reserve the right to suspend
    or terminate your account and refuse you any current or future use of any of
    Income’s services including our Online Facilities.
 3. You are entirely responsible for maintaining the confidentiality of your
    password and account. Furthermore, you are entirely responsible for any
    activities that occur under your account. You agree to (a) notify us
    immediately of any unauthorised use of your account or any other breach of
    security; and (b) ensure that you properly log out of your account at the
    end of each session.
 4. Income will not be liable for any loss that you may incur as a result of a
    third party using your password or account, either with or without your
    knowledge. However, you could be held liable for losses incurred by Income
    for any wrongful use of your account or password. You may not use any other
    person’s account at any time without the express permission of that person.


PRIVACY AND PROTECTION OF PERSONAL INFORMATION

Please see our Privacy Policy for disclosures relating to the collection and use
of your personal information.


USER'S CONDUCT

You will not use the Income websites or Online Facilities for any purpose that
is unlawful or prohibited by our Terms and Conditions. Unless otherwise
specified, our websites, our mobile applications and Online Facilities are for
your personal and non-commercial use only. In addition, but without limitation:

 

 1. You may not copy, modify, transmit, distribute, reproduce, publish, perform
    or sell any information, materials, products or services obtained from our
    websites, our mobile applications and Online Facilities, or use them in any
    commercial manner.
 2. You will not use our websites or Online Facilities in any manner that could
    damage, disable, overburden, or impair any of our websites and Online
    Facilities or its network.
 3. You will not interfere with any other party's use and enjoyment of any of
    our websites or Online Facilities.
 4. You will not attempt to gain unauthorized access to any of our websites, our
    mobile applications or Online Facilities, accounts, computer systems or
    networks connected to our websites, our mobile applications or Online
    Facilities, through hacking, password mining or any other means.
 5. You will not attempt to obtain any materials or information through any
    means not intentionally made available through our websites, our mobile
    applications or Online Facilities.


USE OF ONLINE FACILITIES

Our websites, our mobile applications and Online Facilities may contain e-mail
services, notices, bulletin boards, communities, chat areas, news groups, forums
and/or other communication facilities. You agree to use these communication
facilities only to post, send and receive messages and material that are proper
and not offending in any manner. You will not:

 

 1.  Use the communication facilities in connection with surveys, contests,
     pyramid schemes, chain letters, junk emails, spams or any duplicative or
     unsolicited messages (commercial or otherwise).
 2.  Defame, abuse, harass, stalk, threaten or otherwise violate the legal
     rights (such as rights of privacy and publicity) of others.
 3.  Publish, post, upload, distribute or disseminate any inappropriate,
     profane, defamatory, obscene, indecent or unlawful topic, name, material or
     information.
 4.  Publish, post, upload, distribute or disseminate any topic, name, material
     or information that incites discrimination, hate or violence towards one
     person or a group because of their belonging to any race, religion or
     nation.
 5.  Upload, or otherwise make available, files that contain images,
     photographs, software or other material protected by intellectual property
     laws, including, for example, copyright or trademark laws (or by rights of
     privacy or publicity) unless you own or control the rights thereto or have
     received all necessary consents to do the same.
 6.  Use any material or information, including images or photographs, which are
     made available through our websites, our mobile applications or Online
     Facilities in any manner that infringes any copyright, trademark, patent,
     trade secret, or other proprietary right of any party.
 7.  Upload files that contain viruses, Trojan horses, worms, time bombs,
     cancelbots, corrupted files, or any other similar software or programs that
     may damage the operation of another's computer or property of another.
 8.  Use of meta tag searches on our websites or our mobile applications.
 9.  Advertise or offer to sell or buy any goods or services for any business
     purpose, unless such communication facilities specifically allow such
     messages.
 10. Download any file posted by another user of the communication facilities
     that you know, or reasonably should know, which cannot be legally
     distributed in such manner.
 11. Falsify or delete any author attributions, legal or other proper notices or
     proprietary designations or labels of the origin or source of software or
     other material contained in a file that is uploaded.
 12. Restrict or inhibit any other user from using and enjoying the
     communication facilities.
 13. Violate any code of conduct or other guidelines which may be applicable for
     any particular communication facilities.
 14. Harvest or otherwise collect information about others, including but not
     limited to e-mail addresses.
 15. Violate any applicable laws or regulations.
 16. Create a false identity for the purpose of misleading others.
 17. Use, download, copy, or provide (whether or not for a fee) to a person any
     directory of users of our website, our mobile applications or Online
     Facilities or other user or usage information.

While we have no obligation to monitor the communication facilities, we reserve
the right to review materials posted using the communication facilities and to
remove any materials in our sole discretion.

 

We also reserve the right to terminate your access to any or all of the
communication services at any time, without any notice, for any reason
whatsoever.

 

We further reserve the right to disclose any information as we deem necessary to
satisfy any applicable law, regulation or legal process, or to edit, remove, or
refuse to post any information or materials in our sole discretion. We
specifically disclaim any liability with regard to the communication facilities
and any actions resulting from your utilising any of the communication
facilities.


NO WARRANTY

 1. This website, our mobile applications and all their content, information and
    materials are provided on an “as is” and “as available” basis. We do not
    warrant the accuracy, adequacy or completeness of this website and/or its
    materials. We expressly disclaim any liability for any errors or omissions
    in the information and materials.
 2. No warranty of any kind, implied, express or statutory, including but not
    limited to the warranties of non-infringement of third party rights, title,
    merchantability, satisfactory quality and/or fitness for a particular
    purpose, is given in conjunction with the content, information and materials
    from this website and/or our mobile applications.
 3. We do not warrant that any of the content, information and materials in our
    websites or in our mobile applications will be provided or updated in a
    timely manner, uninterrupted or free from errors or that any identified
    defect will be corrected.
 4. We do not warrant that our websites, our mobile applications and their
    contents, information and materials are free from any virus or other
    malicious, destructive or corrupting code, program or macro.
 5. No advice or information obtained by you from our websites, our mobile
    applications or Online Facilities shall create any warranty unless expressly
    stated in the Terms and Conditions.
 6. Any content, information and material downloaded or otherwise obtained
    through the use of our websites, our mobile applications and Online
    Facilities is done at your own discretion and risk and you will be solely
    responsible for any damage to your computer system or loss of data that
    results from the download of any such content, information and material.


EXCLUSION OF LIABILITY

We shall in no event be liable for any damage, loss or expense including without
limitation, direct, indirect, special, or consequential or punitive damage, or
economic loss arising from or in connection with:

 

 1. any access, use or the inability to access or use our websites, our mobile
    applications or Online Facilities, or reliance on the content, materials
    and/or any information in our websites or mobile applications.
 2. any system, server or connection failure, error, omission, interruption,
    delay in transmission, or computer virus.
 3. any use of or access to any other websites linked to this website, our
    mobile applications or Online Facilities.


LINKS TO THIRD PARTY WEBSITES

Our websites, mobile applications and Online Facilities may contain hyperlinks
to third party websites for your convenience. Such linked websites are not under
our control and we are not responsible for the contents of such linked websites
or the consequences of accessing any link in any such websites. We are also not
responsible for any forms of transmission received from any third party
websites. The inclusion of any link does not imply endorsement by Income of any
such third party websites or any association with its owners or operators.

 

You agree that any access to and/or use of such linked websites is at your own
risk and any dealings with any such third parties included within our websites,
our mobile applications and Online Facilities or participation in any promotion
and/or transaction, and any other terms and conditions associated with such
transactions are solely between you and the third party. We will not be liable
or responsible for any part of such transactions or promotions.


INTELLECTUAL PROPERTY

All intellectual property rights to our websites, our mobile applications and
Online Facilities, including but without limitation to, copyright, trade marks,
registered or unregistered service marks and logos are the property of Income,
its strategic partners and/or licensors. As such, they may not be reproduced,
distributed, adapted, modified, republished, displayed, transmitted, broadcast
or hyperlinked in any manner or stored in an information retrieval system by any
means.

 

You may not insert a hyperlink to our websites, our mobile applications on any
other of our websites. The name of Income may not be used in any way, including
advertising or publicity pertaining to any content, information and/or material
on our websites and in our mobile applications. However you may download and
print the contents, materials and/or information found on our websites, our
mobile applications and Online Facilities for your personal, non-commercial use.


MODIFICATION OF TERMS AND CONDITIONS

We reserve the right to modify and make changes to any of these Terms and
Conditions, including but not limited to the fees and charges relating to your
use of our websites, mobile applications and Online Facilities, without notice.

 

All modifications to these Terms and Conditions will be reflected by the posting
of the amended terms and conditions on our website or in our mobile
applications. In addition, if there are any material change to any of these
Terms and Conditions, we will indicate on our website and/or on our mobile
applications that our Terms and Conditions have changed.


MODIFICATION OF WEBSITES, INCOME MOBILE APPLICATIONS AND ONLINE FACILITIES

We reserve the right at any time and from time to time to modify or discontinue,
temporarily or permanently, any of our websites, our mobile applications and
Online Facilities with or without notice. You agree that we will NOT be liable
or responsible in any way to you or to any third party for any modification,
suspension or discontinuance of our websites, our mobile applications and Online
Facilities.


TERMINATION

We reserve the right to suspend or terminate your account and refuse you any
current or future use of any of our websites, our mobile applications or Online
Facilities in our sole discretion, without any notice, for any reason
whatsoever, including where we have reasons to believe that you have breached or
acted inconsistently with the Terms and Conditions.

 

We will not be liable in any way to you or to any third party for any
termination of your access to our websites, our mobile applications and/or the
Online Facilities.


GOVERNING LAW

By accessing our websites, our mobile applications and Online Facilities, you
agree that such access and/or use, as well as the above Terms and Conditions
shall be governed by the laws of Singapore, including but not limited to the
Electronic Transactions Act (Cap.88). You further agree to submit irrevocably to
the non-exclusive jurisdiction of the Singapore courts.


THIRD PARTIES RIGHTS

No third party who has not agreed to be bound by the above Terms and Conditions
shall have any right pursuant to the Contracts (Right of Third Parties) Act 2001
to enforce any of the above Terms and Conditions.


BROWSER COMPATIBILITY

This website is best viewed with:

Internet Explorer 11 and above
Mozilla Firefox 58 and above
Google Chrome 56 and above
Apple Safari 9 and above for Mac/iOS
iOS 9 and above
Android 5 and above


ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO MOBILE APPLICATION USERS ONLY

Notifications and Alerts

 

You agree to receive pre-programmed notifications on the Mobile Application on
your mobile telephone or other handheld devices.

 

Usage of Mobile Application

 

 * You will not intercept or attempt to intercept any communications transmitted
   by way of a telecommunications system;
 * You will not attempt to circumvent our security or network including to
   access data not intended for you, log into a server or account you are not
   expressly authorized to access, or probe the security of other networks (such
   as running a port scan);
 * You will not execute any form of network monitoring which will intercept data
   not intended for you;
 * You will not extract data from or hack into the Mobile Application

 

Apple and Google Terms and Conditions

 

These Terms supplement and incorporate (a) in case the Application is
distributed through Apple, Inc.o a server or account you are not expreConditions
(located at www.apple.com/legal/itunes/us/terms.html#service) including, without
limitation, the Licensed Application End User License Agreement provided therein
(ce) including, without limitation, the Licensed e, Inc.o a server or account
you are not expressly e, including but not limited to the Electronic
Transactions Act (Cap.88). You further agree to submit irrev. If any of the
provisions of the Apple Terms, Google Terms conflict with these Terms, these
Terms will control, solely to the extent such terms apply to the Application.

User Data usage Information

Some functionality of the Application, including Online Payment, purchase and
location based services and functionality, may require the transmission of
information provided by the User including but not limited to user names and
passwords, addresses, e-mail addresses, financial information (such as credit
card numbers), the International Mobile Equipment identity number accessed in
the User’s Device, phone-book information, information related to GPS location
(“User Information”). If the User uses such Application functionality, the User
consents to the transmission of User Information to Income to record, process
and store such User Information as necessary for the Application functionality
and for purposes described in the Privacy Policy.

 

Analytics Data collections

 

We collect information regarding your activities while using mobile
applications. We will process and analyse the Data using our backend Systems and
generate an analytics visual report (the “Reports”), including graphs and
statistics of the data collected.

 

Activity Tracking

 

The Services offered by some of Income’s mobile applications such as the Orange
Health Application are intended to provide you with information to encourage you
to support your wellness and fitness activities. Some of the Services are aimed
at tracking your physical movements and sleep activity ("Activity Tracking
Services"). These Activity Tracking Services rely on sensors and/or GPS
functionality that track your movement or body at rest. The data and information
provided by the Activity Tracking Services are intended to be a representation
of your activity, but may not be completely accurate, including with respect to
step, sleep, speed, distance, or calorie data. By using Activity Tracking
Services, you acknowledge and agree that Under Armour is not responsible or
liable for any inaccuracy in such data. We do not attain, store, process or
transmit any confidential or PII information of yours to the tracker.

We use cookies to enhance your experience on our website.

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