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 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
DISCLAIMER OF WARRANTIES AND LIABILITIES
The following clauses exclude or limit our legal liability for this website. You should read them carefully.
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
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 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.
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.
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.
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.
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:
This website is best viewed with: Internet Explorer 9 and above.
Screen resolution 1024 X 768 pixels.
Client & Customer Service (CS) Charter
Pillar 1: Takaful Made Accessible
Offer an active engagement model wherein a customer is aware of:
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:
Better engagement and improved services
Service Level Target
We will make Takaful products easily accessible via various channels, physically and virtually, to obtain information, purchase or make enquiries.
We will actively seek feedback, suggestions or complaints on how Takaful Operators can serve customers better
Pillar 2: Know Your Customer
To understand customer’s profile adequately which enables the Takaful Operators to:
Service Level Target
We will strive to help customers find the right product to suit their needs
Pillar 3: Timely, Transparent and Efficient Service
Deliver a seamless service wherein customers are aware of:
Service Level Target
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:
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.
We will ensure efficient certificate servicing and providing relevant documentation in a timely manner.
We will ensure efficient certificate servicing and provide relevant documentation in a timely manner (Family Takaful)
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.
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:
We will follow through and provide the requisite answers / updates to customers’ queries & complaints promptly
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
Note: Complaints handling and timelines is governed by Bank Negara Malaysia (BNM)’s Guidelines on Complaints Handling and Takaful Operators shall operate accordingly
Pillar 4: Fair, Timely and Transparent Claims Settlement Process
Deliver a seamless claim processing and settlement experience wherein customers are aware of:
Provide peace of mind to Customer
Service Level Target
We will set clear timeline for claims settlement process and strive to settle claims within these prescribed timelines and in a transparent manner.
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.
This Customer Service Charter comes into effect from 1 January 2018.
By interacting with Great Eastern Takaful Berhad ("the Takaful Operator”), submitting information to the Takaful Operator, enrolling or signing up for any products or services offered by the Takaful Operator, you are providing personal information to the Takaful Operator. You hereby consent (and where required, explicitly consent) to the use of your personal information including sensitive personal information, in the manner set out in this notice.
"Personal information" means any information which relates to you and which has been or will be provided by you to the Takaful Operator, including but not limited to your name, National Registration Identity Card number, passport number, address, telephone number, email address, images, your personal preferences, particulars of any third party person covered or beneficiary, financial and banking account information and any information which may identify you, any person covered, executor or beneficiary, that has been or may be collected, stored, used and processed by the Takaful Operator from time to time. The term "personal information" also includes sensitive personal data which means any personal data consisting of information as to physical or mental health or condition, political opinions, religious beliefs or other beliefs of a similar nature and the commission or alleged commission of any offence.
if you provide us with any personal information relating to a third party, including where you have named them as a person covered, executor, or beneficiary, or where you refer an individiual to us for the purposes of us offering our products and/or services to that individual, by submitting such information to us, you represent to us that you have obtained the consent of the third party to provide us with their personal information for the purpose related to you as set out in this notice.
Your personal information may be used, recorded, stored, archived, disclosed or otherwise processed by or on behalf of the Takaful Operator (and its successors in title) for the following purposes:
The Takaful Operator may also collect, store, use and process your personal information from the certificate owner who has taken up the takaful certificate for and on behalf of you, agents, brokers and/or business or strategic partners of the Takaful Operator for third parties from whom we seek or receive information on you pertaining to or in connection with your takaful certificate, which includes your takaful certificate application or claims.
The Takaful Operator may retain your personal information for such time as deemed to be necessary for the purpose of fulfilling any operational, audit, investigation, legal, regulatory, tax or accounting requirements, including but not limited to any potential litigation and future underwriting and claims assessment purposes.
The information that you have provided to the Takaful Operator is necessary. If you do not provide the Takaful Operator with such information, the Takaful Operator may not be able to provide you with the takaful coverage or respond to any claim submitted by you.
The Takaful Operator may disclose and/or provide your personal information to the following parties (within and outside Malaysia) for the purposes stated above;
Our affiliates, business or strategic partners may contact you about products, services and offers, which are Shariah compliant and which may be of interest to you or benefit you financially.
You may access certain personal information held by the Takaful Operator based on the applicable data protection laws of Malaysia.
You may access your personal information at any time by calling the Customer Careline at 1300-13-8338 or visit our Customer Portal at www.igetintouch.greateasterntakaful.com If you have any inquiry such as limiting the processing of certain information, including the withdrawal of consent to recieve marketing information, you may contact our Customer Careline at 1300-13-8338, or write to the Takaful Operator at email@example.com.
If you have any complaints in respect of your personal information, you may contact our Privacy Officer at 603-4259 8381.
The Takaful Operator may charge a reasonable fee for access. If you can show that the personal information held by the Takaful Operator is not accurate, complete and up to date, the Takaful operator will take reasonable steps to ensure it is accurate, complete and up to date upon receiving your verification or feedback.
The Takaful Operator may review and update this Personal Data Protection Notice from time to time to reflect the changes in the law, changes in the business practices, procedures and structure of the Takaful Operator and Great Eastern, and changes in the community's provacy expectations. Any updated and/or changes to this Personal Data Protection Notice will be posted in our website at greateasterntakaful.com at any time to keep yourself updated of any changes.
In the event of any inconsistencies between English version and the Bahasa Malaysia version of this notice, the English version shall prevail.
Please click here for the Bahasa Malaysia version.
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.