“ERGO’s Website” means www.ergo.com.sg and all webpages, content displayed, accessed and viewed through www.ergo.com.sg including but not limited to all communications, documentation, information, programs, images, graphics, sounds, video, calculations and other (the “Content”).

Reference to “You / Your” means an individual which is granted a limited licence to access ERGO’s Website for personal use only by ERGO Insurance Pte. Ltd (the “Company”). Under the licence granted by the Company You may not download (other than page caching) or modify any portion of ERGO’s Website without the express written authority of the Company.

Access to and Your use of ERGO’s Website is subject to the Terms of Use detailed below (“Terms of Use”).

By accessing ERGO’s Website You acknowledge these Terms of Use and agree to be bound by these Terms of Use.

ERGO’s Website is only intended to be used by persons who are eighteen years and over residing in Singapore.

If You do not agree to these Terms of Use You should not continue to view and access ERGO’s Website.

These Terms of Use and ERGO’s Website may be changed, modified, supplemented or updated by the Company from time to time as the Company so determines and without advance notice to You. Unless otherwise indicated, any new products and services and any Content added to ERGO’s Website will also be subject to these Terms of Use and effective upon the date of any such addition.

The Company will take reasonable and appropriate steps to ensure the information provided to the Company by You will be kept private, secure and protected. The statement detailed below will explain the Company’s practices and procedures regarding the use and disclosure of data, whether true or not, about You where You can be identified from that data; or from that data and other information to which the Company has or is likely to have access (“Your Personal Information”).

By using and accessing ERGO’s Website, You shall be deemed to have read and accepted the terms of the Personal Data Protection Policy. Please refer to the full version of the Company’s Personal Data Protection Policy found at https://www.ergo.com.sg/pdpa

The Company holds Your Personal Information in accordance with the terms of the Personal Data Protection Act 2012 (No 26 of 2012 Statutes of Singapore). It may be necessary to pass Your Personal Information to other organisations that supply services associated with the provision of ERGO’s Products and Services by the Company. The Company may collect, use and process Your Personal Information to verify information, investigate or process Your application for any of ERGO’s Products and Services or a claim You may make under a policy held with the Company, or prevent and detect fraud. The information provided to the Company may be shared whether in or outside of Singapore with:

1. companies within the ERGO group (the “ERGO Group of Companies”);
2. the Company’s (or ERGO Group of Companies’) service providers, reinsurers, agents, distributors, business partners;
3. brokers, Your authorised agents or representatives, legal process participants and their advisors, or other financial institutions;
4. governmental/regulatory authorities, industry associations, courts, other alternative dispute resolution forums, for the purposes stated in the Company’s Data Privacy Policy which include:
   1. processing, underwriting, administering and managing Your relationship with the Company;
   2. audit, compliance, investigation and inspection purposes and handling regulatory/governmental enquiries;
   3. compliance with legal or regulatory obligations, risk management procedures and the Company’s internal policies;
   4. managing the Company’s infrastructure and business operations; and
   5. carrying out market research and analysis and satisfaction surveys.

If You have any questions about the Company’s collection, use and disclosure of Your Personal Information You may contact the Company’s Data Protection Officer at DPO@ergo.com.sg

Any information which You provide to the Company via ERGO’s Website which is not Your Personal Information, which includes data, queries, or feedback, will not be considered confidential or Your Personal Information and shall become the property of the Company. Such information may be used for any purpose, including but not limited to the reproduction, disclosure, broadcast, and publication by the Company.

The Company reserves the right to use any ideas, concepts, know-how or other information which You have given to the Company via ERGO’s Website or through any other means, for any purpose the Company determines, including but not limited to marketing, advertising, and/or offering ERGO’s Products and Services.

All intellectual property in ERGO’s Website and the Content of ERGO’s Website are owned, licensed or controlled by the Company, its licensors and / or the Company’s service providers.

You may copy or print information or Content from ERGO’s Website for Your personal use provided that You do not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, post, reuse, publish, license, frame, download, store in a retrieval system, create derivative works from, transfer, or sell such information or Content obtained from ERGO’s Website.

Except as otherwise indicated all Content on ERGO’s Website is the intellectual property of the Company, its licensors and / or the Company’s service providers.

Any unauthorised use of the content on ERGO’s Website may violate copyright laws, trademark laws, and other applicable laws, regulations and statutes.

Certain Content is protected under intellectual property laws. ERGO is the owner of the Website and Content of ERGO’s Website, except for Content which is owned by or licensed to third parties.

Except for the sole purpose of Your personal use of ERGO’s Website in accordance with these Terms of Use, You are not authorised to and agree that You will not use, copy, transmit, deeplink, hyperlink, scrape, download, display, duplicate, sell, trade, market, utilize, exploit, publish, distribute, broadcast or reproduce any of the Content of ERGO’s Website without the prior written consent of ERGO, or the applicable third party.

The trademarks “ERGO” and “ERGO Insurance Pte. Ltd.” are the registered trade and service marks of the Company. The domain name for ERGO’s Website, the ERGO logos, all page headers, custom graphics, and button icons are service marks, trademarks and logos, of the Company. You are not authorised to use any such service marks, trademarks and logos in any way which may create a false or misleading impression of affiliation with the Company.

ERGO’s Website may provide external links to other websites which are owned and operated by third parties. The Company is not responsible for the views, content, products, services and/or security of such sites, and does not endorse them unless the Company has expressly stated otherwise. The Company shall not be liable for any loss or damage resulting from access of such third-party websites. The Company reserves the right to add and/or remove such external links at its discretion.

You must not use or try and use ERGO’s Website for any fraudulent, unauthorised, illegal or malicious purpose, including but not limited to such activity which may disable or impair any of the Company’s servers or to gain unauthorised access to the Company’s server or electronic systems by means of hacking, password mining or upload any material which is unlawful, harmful, tortious, obscene or defamatory.

The Company has made all reasonable efforts to ensure that the information and Content of ERGO’s Website are accurate and complete. Such information and Content are provided on an as is basis without any further warranties, either express or implied. You may only rely on such information and Content at Your own risk.

The information and Content provided on ERGO’s Website is not intended to be a comprehensive description of ERGO’s Products and Services. The information and Content of ERGO’s Website are to provide You with an overview of ERGO’s Products and Services. The information and Content provided on ERGO’s Website do not constitute the full terms, conditions and exclusions set out in any and all of ERGO’s Products and Services. The Company reiterates that You must refer to the full terms, conditions and exclusions of ERGO’s Products and Services.

The Company shall not be liable to You for any loss or damage arising from Your access and/or use of or inability to access and/or use ERGO’s Website or its Content. You agree and accept that in using ERGO’s Website You waive any and all rights to sue the Company or any organisation in the ERGO Group of Companies or to participate in any class action suit for any losses alleged or otherwise arising from Your use and access of ERGO’s Website or inability to use and access ERGO’s Website.

You are responsible for supplying, maintaining and securing, at Your own risk and expense, any hardware and software required to access and use ERGO’s Website. The Company shall not be liable for any loss or damage, including but not limited to loss or damage of data caused by computer viruses that may result from Your access to or use of ERGO’s Website, or Your downloading of and/or storage of any of its Content.

The Company reserves the right to monitor Your use of ERGO’s Website should it deem appropriate. The Company also reserves the right to remove any il illegal material, constitutes a breach of these Terms of Use or is contrary to the intention of ERGO’s Website.

In using ERGO’s Website You are communicating with the Company electronically. By using ERGO’s Website You consent to communicating with the Company electronically. The Company may communicate electronically with You through ERGO’s Website or by email. You agree that any correspondence, agreement or notice including disclosures that the Company provides to You electronically conform with and satisfies the legal requirement for such correspondence, agreement or notice to be in writing.

You confirm that Your access to and use of ERGO’s Website is not in breach of and will not expose the Company to any sanction, prohibition or restriction under the United Nations resolutions or the trade or economic sanctions, laws or regulations of Singapore, the European Union, United Kingdom or United States of America.

These Terms of Use constitute the entire agreement between the Company and You relating to Your use of and access to ERGO’s Website and its Content. These Terms of Use supersede any prior agreement between the Company and You regarding access to and use of ERGO’s Website including previous versions of these Terms of Use.

Access to and use of ERGO’s Website and these Terms of Use are governed by the laws of the Republic of Singapore and You agree to submit to the exclusive jurisdiction of the courts of the Republic of Singapore.

If any term or provision in these Terms of Use is found by the courts of the Republic of Singapore to be unlawful or unenforceable, such finding will not affect the validity and enforceability of the remaining provisions.

If You have questions regarding these Terms of Use, please contact the Company at ergoinsurance@ergo.com.sg.

There may be parts of ERGO’s website that require You to have a username and password to access a protected and secured area. If You choose to obtain access to such secured area, You must complete the relevant registration process with the Company by providing the Company with current, complete and accurate information for the registration process. You are responsible for maintaining the confidentiality of Your log-in details and maintaining the security of Your account, as well as any activities and transactions involving Your account. The Company shall not be liable for any loss or damage caused by Your negligence in maintaining the confidentiality of Your log-in details.

You shall notify the Company immediately if You become aware of any unauthorised use of Your log-in details or any other breach of security.

The Company shall not be liable for any loss or damage incurred by You due to the use of Your log-in details by a third party, regardless of whether You have granted such third-party permission for such use.