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Terms and Conditions
Privacy Policy
Client Charter
Personal Data Protection

Please read carefully the information below before using this website.

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.

PRIVACY POLICY

AT GREAT EASTERN TAKAFUL, we respect every individual’s right to privacy. Our relationship with you is our most valuable asset and is the very basis of our name and reputation. Whether you are our certificate owner, GREAT EASTERN TAKAFUL agent, registered user or a visitor to the secured area of our Website, we understand the importance you place on the privacy and security of information that personally identifies you or your information. We refer to and treat this information as “personal information”. We extend the following privacy policy to you.

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.

INTRODUCTION

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

GETB 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. 

EASY TO REACH
We are committed to provide efficient and effective services in handling complaints and enquiries. You may address all concerns or complaints relating to handling of your personal information by contacting us through these channels:

OUR COMMITMENT TO ENQUIRIES AND COMPLAINTS

We believe that you are entitled to efficient, honest and fair treatment in your dealings with us, especially if something goes wrong.

We want to know straight away if we can improve our service and welcome your feedback as we genuinely want to resolve any problem you may have.  If we have not met your expectations, please let us know.  If we have exceeded your expectations, we would love to hear from you.
Our complaints handling process is based on the following principles:-

  • Acceptance – we recognise that we may not have met your expectations and will accept all complaints.
  • Ownership – we are responsible for resolving your complaint. If we need to pass it to someone else due to the nature or complexity of the enquiry/complaint, we will inform you.
  • Collection of information – we will confirm the details of your complaint and clarify if we are unsure.
  • Treatment – we will ensure that you and your complaint are treated fairly.
  • Commitment – we will follow-through on what we commit to do.
  • Timeliness – if we cannot resolve your complaint straight away, we will strive to resolve it within 14 days. For complaints which may take more time to resolve, we will keep you informed of our progress.
  • Resolution – we aim to achieve a mutually acceptable resolution to all complaints.

Details of your Enquiries/Complaints

In order to resolve your complaint, it is important that you give us as much information as possible when you contact us. Please provide the following information, such as:

  1. Account Information - your name, certificate number or account number

  2. Contact Details - your mobile phone number or other preferred method of contact (house number, alternate mobile phone number, email, etc.). If you wish to be called only during certain hours, please let us know.

  3. Complaint Information - what your complaint is about, what happened, when did it happened and who were involved. If you have evidence to support your complaint, please provide us as well.

Once we receive sufficient information, we will be able to investigate your complaint and work towards a resolution.

If you feel that your complaints are resolved unfairly, we shall advise you on the alternative dispute resolution avenue.

Recording of Complaints

All complaints received are recorded in a register and a reference number is allocated to each complaint. A complaint file is opened for documentation of records and work done on each case. In addition, the status and progress of each complaint is kept in the system for easy monitoring, tracking, retrieval and analysis.

PROMPT RESPONSE TO ENQUIRIES

We strive to provide timely responses to all interactions with us.

  1. Walk-in Customers
    You will be served within 10 minutes.

  2. Phone Enquiries
    • 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 working days.

  3. Enquiries via e-mail and correspondence
    • 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.

PROMPT RESPONSE TO COMPLAINTS

We strive to provide timely responses to all your interactions with us.

  1. Walk-in Customers
    You will be served within 10 minutes.

  2. Complaints via 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 working days.

  3. Complaints via e-mail and correspondence
    • An acknowledge receipt will be sent to the sender upon receipt of the email.
    • Email responses would be given within seven days from the date receipt of the complaint.
    • For correspondence, acknowledgement letter will be sent to sender within two working days from the date complaint is lodged. 
    • For complex cases, you will be informed within 14 days on the resolution unless further time extension is required. You will be updated and informed regularly on the case status until it is resolved. 

DELIVERING OUR PROMISES THROUGH OUR CLAIMS PROCESS 

It is our endeavour to settle justified claims promptly through standardized procedures in claims administration. To facilitate your claims, you need to submit sufficient documentation. For documentation related to a specific claim, please visit our claims page.

Should you need further information on how to submit a claim or download claim forms you may visit www.i-greatpartner.com.my.

Once you have made your submission, you can expect to receive a response from us within 14 working days.

If at all, you are not satisfied with our claim decision contact:

Customer Feedback Unit
Great Eastern Takaful Berhad
Level 3 Menara Great Eastern
303 Jalan Ampang
50450 Kuala Lumpur

Tel: 1 300 13 8338
Fax: +603 4259 8808
Email:  i-greatcare@greateasterntakaful.com

KEY POINTS TO REMEMBER

  1. Free Look Period
    The certificate may be cancelled by returning it to the Takaful Operator by hand or registered post within fifteen (15) days after the receipt by you or a person who resides your residence, we shall then refund the sum of:-

    1. The amount of contributions that have not been allocated to purchase units;
    2. Value of units that have been allocated (if any) at their respective Net Asset Value on the Next Valuation Date;
    3. Any Tabarru and Service Charge that have been deducted;

    Less medical expenses which may have been incurred on the covered person. Please note that for the purpose of determining the period of fifteen (15) days, this certificate will be deemed to be returned to the Takaful Operator on the date we have received it or the date that it has been posted to us by registered post.

  2. Terminating Your Takaful Coverage To Enter into a New Takaful Plan
    Upon lapsing or surrendering an existing takaful certificate in order to replace with another (by the same or a different takaful operator) you will lose out!

    • The new certificate is usually of a higher contribution based on the current age
    • You may need to pay extra contribution or be denied takaful coverage if there are changes to your health.
    • In most medical and critical illness policies, the waiting period (the duration when no claim is payable) resumes from the certificate issue date or reinstatement date, whichever is later.

    You can meet your financial objectives by upgrading your takaful coverage instead of replacing it. Exercise your right to keep your financial objectives on track and be wary of undue influence from any party to terminate your existing certificate.

  3. Contribution Payment

    • You can pay your contribution via cash(annual mode only) at any of our 21 Great Eastern Life Malaysia Branches, or
    • Cheque (annual mode only). If you are making your contribution payment by cheque, always ensure that the cheque is payable only to Great Eastern Takaful Berhad, or
    • Auto debit facilities via selected Banks or
    • Credit Card Easi-payment through Malaysian Visa or MasterCard account

    When paying contributions, please make sure you obtain our official receipt which is a computer generated document and does not require a signature. Note that no receipt will be issued for contributions payment made through banker’s order, auto-debit and credit card facilities. In those cases, confirmation from respective bank or credit card statement constitutes evidence of payment.

  4. Comprehensiveness and Transparency in Product Information
    We are also committed at all times, in ensuring that all information and disclosure of our products and services is fair, accurate and comprehensive. As such, we shall not engage in deceptive, misleading or false representations with regards to our product and services.

By interacting with Great Eastern Takaful Berhad (916257-H) ("the Company”) submitting information to the Company, or signing up for any products or services offered by the Company, you are providing personal information to the Company.

Your personal information may be used, recorded, stored, disclosed or otherwise processed by or on behalf of the Company (and its successors in title) for the following purposes:

  1. to carry on takaful business;
  2. for this or any other or further takaful or financial related product or service or any alterations, variations, cancellation or renewal of such product or service by the Company and other companies within the Company's group of companies (for information, log on to www.greateasterntakaful.com);
  3. research and audit including but not limited to historical and statistical purposes;
  4. any claim or investigation or analysis of such claim;
  5. to ascertain your claims history in order to improve claims processing and prevent fraudulent claims;
  6. to exercise any right of subrogation;
  7. to match any data held by the Company relating to you from time to time;
  8. direct marketing and general marketing;
  9. managing and servicing the Company's relationship with you and to provide you with improved customer service; and
  10. if required by law or in good faith, if such action is necessary
    1. to comply with any law enforcement, court orders or legal process,
    2. to protect and defend the rights or property of the Company and the Company's group of companies and their users (for information, log on to www.greateasterntakaful.com).
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 authorization herein shall extend to any information obtained from any of the takaful certificates 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 representatives / personnel;
  2. the certificate owner and/or its agents;
  3. 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;
  4. takaful carriers, third-party claims adjusters, fraud detection and prevention services, takaful companies and takaful industry regulatory authorities;
  5. any credit reference agencies or, in the event of default, any debt collection agencies;
  6. any takaful rating organizations that collect information about credit history, accident fault, injury description and amounts paid and share it with other takaful companies and others entitled to see it;
  7. 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;
  8. any actual or proposed assignee, transferee, participant or sub-participant of the Company's rights or business,
  9. 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
  10. 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 Customer Service Care 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 8380 or Customer Service Care 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 information, please read the Company's 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.

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