Pillar 2: Know Your Customer

To understand customer’s profile adequately which enables the Takaful Operators to:

• Know and anticipate the customer’s needs and preference.
  
  
• Ask for requisite information and documents to best advise the customer.
  
  
• Offer suitable products and services.
   

Expected Outcome

Build Trust
 

Service Level Target

• 90% of customers are served with suitable products and services which fit their needs and wants.
  
  
• Minimal complaints (ratio of 5% of total complaints) from customers are on not understanding what was offered and/or not having the suitable products and services.
   

We will strive to help customers find the right product to suit their needs

• Knowledgeable and ethical staff and agents are available to serve customers.
  
  
• Training
  
  
  • Ensure employees and intermediaries are properly trained on products and services offered.
    
    
  • Training must be provided any time a new product is launched and regularly as refresher courses on existing products.
    
    
• Understanding Customers’ Needs
  
  In order to understand the customers’ profile adequately, Takaful Operators including their agents shall: -
  
  
  • Listen attentively to the customers.
    
    
  • Acknowledge and properly understand the customers’ needs and preferences.
    
    
  • Ask for requisite information and documents to advise the customers accordingly and in accordance with the Industry’s Code of Practice on the Personal Data Protection Act 2010.
    
    
  • Offer options of suitable products and services to meet the customers’ needs and wants.
     
• Any options provided to customers shall be explained and on an “opt-in- basis”, e.g. riders, sharing/using customer information for marketing and research purposes.
  
  ^{Note: Handling of customer information is governed by Bank Negara Malaysia’s Policy Document on Management of Customer Information and Permitted Disclosures and Takaful Operators shall operate accordingly.}

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Pillar 3: Timely, Transparent and Efficient Service

Deliver a seamless service wherein customers are aware of:

• Takaful Operators’ responsibilities towards customers.
  
  
• Expected service standard and time taken to deliver these services, i.e. time taken to answer enquiries / resolve complaints.
  
  
• Where and how to obtain information required i.e. product features and costs.
   

Expected Outcome

Customer Satisfaction
 

Service Level Target

• 80% of customers are being served within the expected service level and timelines.
  
  
• 100% of customers are issued with certificate documents in a timely manner.
  
  
• Declining complaints ratio.

We will set clear responsibilities towards customers and uphold it:

At Great Eastern Takaful Berhad, our vision is to pave the way to a GREAT and COLOURFUL life : Takaful for YOU & ME

Our mission statement consists of:

• Caring for your lifecycle needs with attractive and affordable products
  
  
• Experiencing great moments with us: we deliver our promises on time, all the time
  
  
• To be the preferred partner for all stakeholders by attracting and developing value-based talents

Great Eastern takaful Berhad also considers compliance with various regulators’ requirements including the Shariah requirements, one of the most important and one of our strategic priorities. Our Customer Feedback Unit promotes fair dealing in business conduct with participants and is in place to protect the interests of our stakeholders
 

We will set clear expectation on time taken for various services.

• To include a clear expectation on time taken for various services:
  
  
  • Delivery of Services
    
    Information on turnaround time on delivery of services must be made available in the Clients Charter through various channels (head offices/ branches / brochures / call center / website / social media).
    
    
  • Standards to be adopted
    
    
    • Serve Walk-in Customer Promptly
      
      
    • Customer Waiting Time: Within 10 minutes.
       

We will ensure efficient certificate servicing and providing relevant documentation in a timely manner.

• Customers shall be informed of each step and documentation required to alter, renew, surrender or cancel a certificate, e.g. what happens when there are changes to the certificate, notice on renewal, etc. as well as consequence arising from any of these actions.
  
  
• Customers are to be reminded in the renewal notice to inform the Takaful company of any changes in the risk before renewal.
  
  
• The standard operating procedure on dealings with customers must be clearly complied with. 
  

We will ensure efficient certificate servicing and provide relevant documentation in a timely manner (Family Takaful)

• Family Takaful
  
  Certificate Account Turnaround Time (from receipt of full documentation, information and payment of contribution)
  
  
  • Certificate Issuance (upon acceptance in the Certificate system) New and Existing Customer:
    
    
    • Standard cases – within 5 working days
      
      
    • Additional information required / pre-existing medical condition / complex cases – within 10 working days
      
      
  • Change of Certificate account details (endorsement):
    
    
    • Certificate Changes (Non-financial): within 3 working days
      
      
    • Certificate Changes (Financial):
      
      
      • Standard cases - within 5 working days
        
        
      • Non-Standard cases – within 10 working days
         
• Reinstatement: within 10 working days (with payment & complete documentation)
   

Renewal notice issuance

For Certificate with guaranteed renewal, contribution due notice will be issued not less than 30 calendar days before the next contribution due date.

Notification of Revised Contribution to renewable basic term Certificate / term rider will be issued not less than 30 calendar days before the expiry of existing Certificate / rider.

Cancellation/surrendering of Certificate: 10 working days upon receipt of full documents – to also include processing of refund contribution.

Issuance of medical / hospitalization card for individuals - Within same business day of Certificate issuance.
^{Note: The timelines above do not take into account onboarding process – Takaful Operators have their own onboarding process/introduction to its products and services.}

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We will be open and transparent in our dealings

The following information shall be easily accessible and made available through the various channels of communication such as branches / brochures / call centers
/ social media / website:

• Product related details, i.e. product features, product disclosure sheets, terms and conditions, key facts and exclusions will be shared at the point of sale.
  
  
• Fees, charges (other than contributions), and interest (if any) as well as obligations in the use of a product or service (e.g. when contribution needs to be paid and explaining payment before cover warranty).
  
  
• Anti-fraud statement and key points to remember, i.e. confidentiality of customer information, free look period of not less than 15 calendar days (Family Takaful) and Takaful Operators’ right to reject or accept applications.
  
  
• All the above information shall be explained and stated using simple words and in an easy to understand manner.

We will follow through and provide the requisite answers / updates to customers’ queries & complaints promptly

• Walk-in Customers
  You will be served within 10 minutes
  
  
• Phone
  
  • Responses to our automated voice response complaints are instant.
  • Calls are answered within three rings.
  • Simple and straight forward cases will resolved and respond immediately.
  • Complex cases, which require follow up, will be responded within two (2) working days
     
• Written (Email, fax, written letter & social media)
  
  • An automated response to acknowledge receipt will be sent to the sender upon receipt of the email.
  • Email responses would be given within three working days from the date of receipt for enquiries.
  • Correspondence would be replied to within three working days from the date of receipt for simple enquiries. You will be updated regularly if enquiries are complex and requiring in depth investigation.
    
    
• Counter / Branches
  
  • Where no follow up is required, Takaful Operators will endeavor to provide first touch point resolution immediately.
  • Where follow-up is required – within 5 working days from the date of the first visit.

^{Note: Where enquiry is complex, Takaful Operators will provide a reasonable timeframe and keep the customer updated accordingly.}
 

We will ensure consistent and thorough complaints handling

• To adopt the following:
  • Customers shall be informed of the various options for submitting a complaint through available channels, depending on the Takaful Operators channel presence and whichever applicable, i.e. provide complaints unit contact details (telephone number and address), website, social media, etc.
  • A verification process has to be performed on the certificate owner /Participants.
  • Communicate clearly on the issue and gather adequate information for an informed resolution.
  • Address the issue in an equitable, objective and timely manner by informing the complainants on Takaful Operators’ decision no later than 14 calendar days from the date of the receipt of the complaints.
  • If the case is complicated or requires further investigation, Takaful Operators shall inform the complainant accordingly and update progress every 14 calendar days. If not resolved, to update within another 14 calendar days. Thereafter, after every 30 calendar days.
  • Keep the complainants updated if unable to address issues within the stipulated timeframe.
  • Refer the complainants to the next level of escalation if the resolutions are not to the satisfaction of the complainants. Contact details of Bank Negara Malaysia LINK, BNMTELELINK and Financial Ombudsman Scheme must be clearly provided.

^{Note: Complaints handling and timelines is governed by Bank Negara Malaysia (BNM)’s Guidelines on Complaints Handling and Takaful Operators shall operate accordingly}

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Pillar 4: Fair, Timely and Transparent Claims Settlement Process

Deliver a seamless claim processing and settlement experience wherein customers are aware of:

• Procedures, documentation and steps including various options (if any) for first notification of loss in an event of a claim.
  
  
• Expected service standard for claims processing and specific time taken for each step within the claims processing stages.
  
  
• Various redress mechanisms for unsatisfactory claims payment.

Expected Outcome
Provide peace of mind to Customer
 

Service Level Target

• 75% of the customers are satisfied with the claims decisions and processes.
• Declining complaints ratio over the years from customers on claims settlement and processes.
• 100% of legitimate claims are paid accordingly.
   

We will set clear timeline for claims settlement process and strive to settle claims within these prescribed timelines and in a transparent manner.

• To set clear timeline for claims settlement process and strive to settle claims within these prescribed timelines and in a transparent manner by adopting
  the following procedures:
  • Customers will be informed of the estimated time taken for claims settlement process and expected service standard.
    
    For Hospital and Surgical Claims, the TAT is T+5 working days. Death/TPD/CI claims, TAT is T+7 working days. For Group claims, TAT is T+20 days.
    ^Note: 
    • ^{*T is today} 
    • ^{*Time is calculated upon complete document received}
       
  • This information shall be made available through various channels (i.e. branches/brochures/call centers/social media/website).
  • Customers shall be informed on the acknowledgment of their claim within 7 working days from receipt of claims notification.
  • All claims notifications through agents must reach the Takaful Operators within 3 working days, except for crime related claims which should be notified within 24 hours from time of loss.
  • If documentation/information is incomplete, customers shall be informed within 14 working days from acknowledgement of the claim by the Claims Department.
  • To state key claims procedures and assign timelines to it, i.e. appointment of adjuster, claims assessment, etc.
  • Customers will be updated on the progress / decision every 14 working days.
  • In the event of a catastrophe / disaster, e.g. large number of claims may be received, as such meeting timelines stipulated may not be possible, the Takaful Operators will strive to update every 20 working days on the progress.

^{Note: Claims settlement and timeline for General Takaful business is governed by Bank Negara Malaysia’s Guideline on Claims Settlement Practices and General Takaful Operators shall operate accordingly.}

We will inform customer of the next level of escalation if the claims settlement / rejection is not to his/her satisfaction.

• To keep the customer informed of the next level of escalation if the claims settlement /repudiation is not to his/her satisfaction.
  
  
  • Customers shall be provided with available channels to appeal on a decision / raise disputes (i.e. branch / brochures / call center / website)
    
    
  • Any letter of rejection/repudiation of any element of a claim and dispute on quantum which is within the purview of the Financial Ombudsman Scheme must contain the following statement prominently: “Any person who is not satisfied with the decision of the Takaful Operator, should refer to the procedure for appeal as stated in the leaflet issued by the Financial Ombudsman Scheme.

Effective Date
This Customer Service Charter comes into effect from 1 January 2018.

CONDITIONS OF ACCESS

Access to this website is granted by GREAT EASTERN TAKAFUL Berhad (hereinafter referred to as "GETB") and its representation is subjected to the following conditions:

BY ACCESSING THIS WEBSITE AND ANY PAGE THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, PLEASE DO NOT ACCESS, OR PLEASE DISCONTINUE YOUR ACCESS TO THIS WEBSITE OR ANY PAGE THEREOF IMMEDIATELY. 

References to 'you', 'your' and 'yours' are references to the person(s) accessing this website. References to 'we', 'us' and 'our' are references to GETB. 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 GETB's 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 GETB 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 unauthorised access to this website or any services herein nor 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 takaful system or the security of our internet takaful system or which is otherwise against the law.

IMPORTANT DOs and DON’Ts

1. You should not share your user ID or password with any other person.
2. You should never display your account information in an area visible to others.
3. Your PC should never be left unattended.
4. Clean the Cache memory after use to clear private information stored within.
5. GREAT EASTERN TAKAFUL will never ask you for your ID and Password through email. Report back to GREAT EASTERN TAKAFUL should you receive such an email.
6. It is your responsibility to keep your Internet Browser up to date with the latest security updates. 

DISCLAIMER OF WARRANTIES AND LIABILITIES

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

No Warranties

Whilst we will use our reasonable endeavours 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 GETB does 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 takaful information offered through this website) is currently intended for those who access it from within Malaysia only and nothing herein shall be construed as GETB providing takaful 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 nor 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 GETB. 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 without the prior written permission of GETB save for the provision in the paragraph captioned 'Restricted Use for Agents and Potential Agents' below. You also may not, without GETB's permission, insert 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 GETB and where applicable, third party proprietors. No right or licence 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 GETB 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 by GETB in writing.

Restricted Use for Agents and Potential Agents

If you are an Agent or potential Agent of GETB, you may print, copy, download or temporarily store extracts from this website, strictly for 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 takaful business for GETB.

No granting of rights

Any rights not expressly granted herein are reserved.

LINKS

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 are not responsible 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. 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 are not 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.

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 are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to GETB or any message sent by GETB to you over the Internet. 

INDEMNITY

You hereby irrevocably agree to indemnify and keep GETB 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 GETB or any member thereof in connection with or arising from.

• your misuse of this website and the services provided herein; whether deliberate or otherwise, or
• your breach of these terms and conditions howsoever occasioned, or
• any intellectual property right or proprietary right infringement claim made by a third party against GETB in   connection with your use or misuse of this website. 

MISCELLANEOUS

No waiver

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

Severability

If any part of these terms and conditions is determined to be invalid or unenforceable pursuant to any law, which is applicable to GETB, 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:
 

• shall govern such access and the provision of such services, and
• shall be applicable in the interpretation of the terms and conditions herein.

This website is best viewed with: Internet Explorer 9 and above.

Screen resolution 1024 X 768 pixels.

INFORMATION GREAT EASTERN TAKAFUL COLLECTS AND HOW THE INFORMATION IS USED

When you sign up for a new certificate or register for our services, we ask you for your personal particulars via various modes of communication (e.g. electronic form transmission, hardcopy form filling, etc.) such as your contact details, amongst other information. Whenever we collect this personal information from you, we will make reference to this policy. We limit the collection and use of personal information to what is necessary to administer our business, to offer the best possible range of financial plans, products and/or to deliver superior service to you

SECURITY PROCEDURES IN PLACE TO PROTECT THE INFORMATION

We are committed to protect the security of your personal information. For this purpose and to the best of our ability, we have put in place the required control system to ensure security and confidentiality of our customers’, agents’ or business partners’ information at all times. These security standards and procedures shall be maintained notwithstanding any ending or termination of this business relationship. For further information on our security measures, please see our statement on Security Policy and Features below.

We also maintain stringent procedures authorizing only such employees as are strictly relevant or required to access your information on a need-to-know basis. Our employees have been educated and have personally undertaken to observe/act in accordance to your right to privacy and confidentiality. Any breach by the employee of our corporate policies would be viewed seriously and subject the employee to such disciplinary action as we may consider appropriate.

SECURITY POLICY AND FEATURES

We have put in place security measures to prevent unauthorized access which could result in the alteration, destruction, theft of data or compromise the confidentiality of our customers’ or agents’ or business partners’ data. Our site utilizes commercially proven security hardware and software products in our system, network and application infrastructure. These security products include routers, firewalls, secure operating system, authentication processes, encryption technology, etc.

Please note that you play a part in system security as well. Although we exercise every reasonable effort to provide a variety of safe, secure and reliable system, we do not have control over the computer, computer software, system and other incidentals used by you to access the system and further transmission over the internet cannot be guaranteed, warranted or represented to be absolutely secure. If you have registered for on-line facility, you should not share the facility with another person or reveal both your “system user-id” and “password”. The “password” is supposed to be a secret code and it must be changed immediately, if you feel that it has been compromised. Under good practice, “password” must be changed regularly and its secret code cannot be easily guessed. 

SHARING OF INFORMATION

We will not disclose your personal information to others unless we have given you prior notice of disclosure or have been previously authorized by you. We do reserve the right to disclose or report personal information in limited circumstances where we believe in good faith that disclosure is required under any law, regulation, guidelines or directives (whether or not having the force of law), to cooperate with regulators, law enforcement authorities or any authority having jurisdiction over us, or to enforce and protect our rights or property.

To ensure that you benefit from the full range of financial plans, products and/or services as well as other opportunities, we may from time to time share your personal information with our agents, affiliated or member companies within our Group and/or other business partners. In such circumstances, we protect that personal information with a confidentiality agreement and these entities must confirm to our privacy standards so that confidentiality of the information is always protected.

By interacting with the Company, submitting information to the Company, or signing up for any products or services offered by the Company, you consent and authorize the Company to obtain and verify any information about you from you or from any third parties which the Company may require in connection with your application for any of the Company's takaful products or services.

Such consent and authorisation herein shall extend to any information obtained from any of the takaful certificate(s) presently provided to you, any new application to the Company for takaful, such historical financial or credit records, data or information whether or not provided personally.

The information that you have provided to the Company is necessary. If you do not provide the Company with such information, the Company may not be able to provide you with takaful coverage or to respond to any claim.

The Company may disclose and/or provide your personal information to the following parties for the purposes stated above:

1. the Company's authorised representative;
2. in relation to third party certificates, the certificate owner;
3. in relation to group certificates, the certificate owner and/or its broker;
4. third party service providers (who provide administrative, telecommunications, computer, payment, data processing or storage, or other services to the Company in connection with the operation of our business) to fulfil the Company's obligations to you;
5. takaful operators, third-party claims adjusters, fraud detection and prevention services, retakaful companies and takaful industry regulatory authorities;
6. any credit reference agencies or, in the event of default, any debt collection agencies;
7. any takaful rating organizations that collect information about credit history, accident fault, injury description and amounts paid and share it with other takaful operators and others entitled to see it;
8. any person, who is under a duty of confidentiality and has undertaken to keep such data confidential, which the Company has engaged to fulfil its obligations to you;
9. any actual or proposed assignee, transferee, participant or sub-participant of the Company's rights or business,
10. any person to whom the Company is under an obligation to make disclosure under the requirements of any law, rules, regulations, codes of practice or guidelines binding on the Company including, without limitation, any applicable regulators, governmental bodies, or industry recognised bodies such as the Malaysian Takaful Association, and where otherwise required by law; and
11. other companies in the Company's group of companies (for information, please log on to www.greateasterntakaful.com) including those located outside Malaysia.

You may access certain personal information held by the Company based on the applicable data protection laws of Malaysia. You may access your personal information at any time by calling our Careline at 1300-13-8338 or visit our customer portal at www.igetintouch.com.my. If you have any inquiry or complaint (such as limiting the processing of certain information, including the withdrawal of consent to receive marketing information), you may contact our Privacy Officer at +603 4259 8381 or our Careline at 1300-13-8338, or write to the Company.

The Company may charge a reasonable fee for access. If you can show that the personal information held by the Company is not accurate, complete and up to date, the Company will take reasonable steps to ensure it is accurate, complete and up to date upon receiving your verification/feedback.

For more information on how the Company deals with your personal data, please log on to www.greateasterntakaful.com and read the Company's Client Charter and Privacy Policy.

The Company may review and update this Personal Data Protection Notice from time to time to reflect changes in the law, changes in the Company's business practices, procedures and structure, and changes in the community's privacy expectations. It is not generally feasible to notify you of changes to this Personal Data Protection Notice and as such, you can log on to www.greateasterntakaful.com or contact the Company's Privacy Officer to obtain the latest version of the Personal Data Protection Notice at any time.

By interacting with the Company, submitting information to the Company, or signing up for any products or services offered by the Company, you consent to such use of your personal information including sensitive personal data.

The Company is committed to ensure the safety and security of our customer’s personal information in our operations. As such, we have put place strong security measures to prevent unauthorized access, which could result in alteration, destruction or theft of data or compromise the confidentiality of our customer's data. In doing so, we will ensure compliance by our staff with the strictest standards of security and confidentiality.

Please click here for the Bahasa Malaysia version.