These Terms and Conditions for the AIA+ Application (“T&Cs”) form an agreement between AIA+ Application users (“Users”) and AIA Company Limited, Thailand Branch (“AIA”), which specify the terms, conditions, and obligations between both parties with respect to the use of the AIA+ Application.

Please read these T&Cs carefully before signing up and using the AIA+ Application.

By registering and using the AIA+ Application and services available through the AIA+ Application, you acknowledge that you have read and accepted all the terms and conditions specified herein. If you do not accept these T&Cs, including their amendments, if any, please immediately stop using the AIA+ Application and the relevant services.

To the fullest extent permitted by law, AIA reserves the right to change, amend, or revise any provisions or content of these T&Cs from time to time, as AIA deems appropriate, or as required by law. Any such amendments will be shown on the AIA+ Application, and Users are responsible for regularly reviewing the T&Cs on the AIA+ Application. However, for material changes, AIA will notify you of such changes, and may obtain your consent before such changes become effective, if required by law. If you do not accept any amended T&Cs, you must discontinue the use of the AIA+ Application immediately. 

1.1     “User” means any person who applies to use the AIA+ Application services, whether or not they are a customer of AIA, and who has been approved by AIA to use the AIA+ Application;

1.2    “AIA” means AIA Company Limited, Thailand Branch; 

1.3     “Username” means the name used by a User to use the AIA+ Application; 

1.4    “Password” means a string of characters that is set up by each User in accordance with the rules determined by AIA, as specified in these T&Cs, and which is used together with the relevant Username in order to verify their identity as the owner of the relevant Username, and to access the AIA+ Application; and

1.5     “Online Policy Information Services” means the policy information services provided online by AIA through various media, in order to facilitate transactions of Users who are AIA’s customers.

2.1    Each User must set a Username and a Password to access and use the AIA+ Application. In the case where the User is a AIA’s existing customer, who has registered to use other AIA’s applications, the User may use the Username and Password of such application to use the AIA+ Application, as specified or permitted by AIA.

2.2    The methods and conditions for accessing and using the AIA+ Application, and any relevant services, will be set by AIA, and Users shall sign in by using their Usernames and Passwords, in accordance with the methods and conditions determined by AIA, or any other methods approved by AIA. 

2.3    You may change your Password by yourself any time throughout your use of the AIA+ Application without notifying us, and agree that each of your Passwords, which may be changed from times to times, will bind you. Each Password shall comply with the conditions set out by AIA. You must keep your Passwords strictly confidential, and you may not disclose them to anyone, including AIA.  

2.4    In cases where your Username and Password were used by an unauthorized person, you must cancel that Username and Password immediately by contacting AIA Call Centre at 1581.

2.5    Any actions conducted on the AIA+ Application through a User account, which has been signed in by using a Username and the relevant Password, shall be considered to be an action by said User and it shall be valid, regardless of whether or not said action was conducted in bad faith by a third party. AIA will have no liability in regard to any errors, defects, or damage arising from the use of the Username and Password of a User, and Users may not argue or defend themselves, or file a lawsuit against AIA, based on the claim that their accounts were used by an unauthorized person.

You are responsible for maintaining the confidentiality of your own Password and account details, and you are also responsible in all aspects for any transactions or activities that occur under your account, regardless of whether such transactions or activities were made with or without your knowledge or authority.

This Application may provide you with a Password manager function, which allows this Application to remember your Password and automatically enter it into the appropriate fields. When you enable the Password manager function to remember Passwords, it asks you if you want it to remember the account Username and Password that is not already in your Password or exceptions list.

AIA shall not be liable for any damage, loss, or other liability incurred by you arising from any transactions of any kind whatsoever resulting from the unauthorized use of accounts and Passwords by any third parties, and will not be liable for the use of the Password manager function.

However, the User may be liable for any damage, loss, or other liability, which is incurred by AIA for the illegally use of the User account and/or your Password. The User shall report to AIA immediately if you know or have reason to suspect that the security of your Password and/or account may have been compromised or used by another person without authority.

2.6     You may sign up and use the AIA+ Application services only when you are competent to legitimately enter into a juristic act or agreement with AIA. Your use of these services must be in accordance with these T&Cs, as well as all applicable domestic and international laws, rules, and regulations. If you are below 20 years old, or have not become sui juris according to the applicable law, you represent and warrant that you have obtained consent from your parent or legal guardian for the use of the AIA+ Application, for the purposes specified in these T&Cs, and you agree that you will deliver any proof of such consent to AIA immediately upon request. If you fail to deliver such proof within the specified time period, AIA reserves the right to suspend your use of the AIA+ Application, and/or cancel your User account without prior notice.

3.1     You may use the AIA+ Application and any relevant services in accordance with the procedures and methods specified by AIA, or through any channels to be made available by AIA in the future. 

3.2    You represent that any information filled out or provided to AIA is correct and true. 

3.3    You understand and acknowledge that, in using the AIA+ Application and relevant services under the AIA+ Application, you are required to give reasonable time for AIA to follow the necessary steps in providing the AIA+ Application services and any relevant services to you, and you agree that you will not demand that we be liable for any damage caused by any delays in providing services to you. 

3.4    In cases where AIA’s, Internet service provider’s, mobile operator’s or your computer or communication system, electricity system, telecommunications system, or any other system in connection with the provision of services is erroneous, under repair, or is temporarily closed for maintenance, causing you to be unable to use our services, you agree that you will not use this as a ground for demanding AIA to be liable. 

3.5     Any documents or letters regarding the use of the AIA+ Application sent by AIA to your home address, work address, school address, or email provided by you on the AIA+ Application or afterwards shall be deemed to have been received by you. 

3.6    You hereby give consent to AIA for the collection, use, contact, or disclosure of any or all of your non-personal data obtained by AIA from your use of any of AIA’s services, to any person and/or legal entity as necessary and appropriate, in order to improve our operations and services, without having to obtain your further permission or consent. Your consent given hereby shall be valid forever, even when you no longer use the AIA+ Application. For personal data, AIA will comply with our Personal Information Collection Statement, which is available at: https://www.aia.co.th/privacy.  

3.7    In cases where we need to communicate with you, send you information, or notify you, you agree that AIA may do this through the AIA+ Application, an electronic channel, or any media as we deem appropriate. This includes cases where we are required to notify you about any changes in these T&Cs. 

3.8    These T&Cs do not cancel or supersede other terms and conditions of AIA that are applicable to you. That is, you are still bound by the other terms and conditions, and these T&Cs are in addition to those terms and conditions. 

3.9    In cases where these T&Cs are contrary to or inconsistent with other terms and conditions of AIA, for matters relating to the use of the AIA+ Application, these T&Cs shall apply. In the case where there are any questions concerning the applicability of these T&Cs, AIA’s decision shall be final. 

3.10    Use of some parts or features of the AIA+ Application may be subject to additional terms and conditions, such as the Vitality and Vitality+ features. By your use of such features, you agree that you are bound by such additional terms and conditions. Before you use a feature that is subject to additional terms and conditions, AIA will notify you about those additional terms and conditions.

If your information changes or affects your use of the AIA+ Application, including the provision of Online Policy Information Services, payment of life insurance premiums, or claims, you are required to notify us immediately, and you agree that you accept any errors in transactions that result from such changes. In such event, you must contact AIA immediately after you have found such errors, and provide the following information to AIA: 

4.1    The date and time of the transaction;

4.2    The type of transaction;

4.3    Details of the error; and 

4.4    Your name and address.

You agree that AIA shall not be liable for any damage arising in connection with your notifying them about changes in respect to your use of the AIA+ Application.

We shall not be liable for any damage incurred by you or any other person, unless it can be proved that such damage results from our gross negligence or misconduct, provided that you have strictly complied with all our terms and conditions.

6.1    You may sign up on the AIA+ Application by using your data from your social media account, such as Facebook, in order to facilitate the process. In such event, we will use your name to create your account name, and we will use your location data to allow our Application to know the province that you are residing in. By signing up on or signing into the AIA+ Application through your social media account, you agree and allow AIA to collect, use, and disclose your data, which includes personal data, to enable you to sign up on or sign into the AIA+ Application. When you register by using your social media account, you must “allow” AIA to access your data on said social media, such as Facebook, that is necessary, which includes your profile data (such as your profile picture, sex, email address, etc.), and other data and information additionally provided by you during your use of the Application. 

6.2    We will be able to provide more useful information to you if you allow us to access your current location data (through a mobile phone that supports GPS). We will use this information in accordance with our Personal Information Collection Statement (https://www.aia.co.th/privacy). If you wish to turn off or deny AIA from accessing this information, you may change your setting to turn off your GPS on your mobile phone.

6.3    We will automatically collect information about your use of the AIA+ Application, including Online Policy Information Services, such as changes in your personal information, such as your telephone number, and the services used by you through the AIA+ Application, including the date and time of your use, in order to maintain the AIA+ Application, improve our services, update your information, analyze your behavior, and analyze your use of the AIA+ Application features and any relevant systems.

6.4    In cases where AIA will collect, use, and disclose (“Process”) personal data, according to the applicable personal data protection law, including the Processing of your personal data under this Clause 6, such Processing will be in accordance with our Personal Information Collection Statement, which is available at: https://www.aia.co.th/privacy.

You can set notification settings for the AIA+ Application on the “Settings” menu. By setting the notification settings in a manner that allows notifications from AIA in the form and under the conditions as set by you, you allow AIA to send you messages. If you wish to cancel or change your notification settings, you can do this on the AIA+ Application.

8.1    In cases where AIA is unable to transfer cash to your bank account, the details of which have been provided at the time of the application, for whatever reason, you agree that you will accept our normal cheque payment method, after we receive a notification for denying the transfer said money to your bank account from the commercial bank. 

8.2    You agree that you will inform us of any changes in relation to your bank account registered with AIA. AIA reserves the right to proceed with such changes and inform you the result of such changes within 30 days.

8.3    In cases where the insured person is a minor, you acknowledge that when the insured person becomes sui juris, and the bank account details have not been updated to be the account under the name of the insured, we will make payments through our normal cheque payment method to the insured person.

8.4    You agree that we may change, modify, or cancel said services at any time, in which case we will use our normal cheque payment method. 

8.5    A payment made to a bank account is limited to THB 1,000,000 per transaction.

In cases where a loan is requested through the AIA+ Application and the loan transaction is successfully made, you, as the borrower, agree that you are bound by the details in relation to the loan as specified in the loan agreement and in accordance with the loan amount, which is considered, approved, and notified to you in writing or through an electronic method, and that you must strictly comply with the terms and conditions in said loan agreement and/or other relevant documents as specified by AIA.

10.1    Any payment and receipt of money on the AIA+ Application shall be made only through any of the methods and channels determined and approved by AIA, as shown on the AIA+ Application at the time of the relevant transaction. Any payment and receipt of money through any other method which has not been determined and approved by AIA shall be deemed invalid. You acknowledge that AIA is not a payment system or payment service provider, and payment, receipt of money, and reimbursement services will be provided by third party payment service provider(s). Any mistakes, delays, or problems in connection with any payment, receipt of money, and reimbursement are not within our control or scope of liability. 

You agree that we shall not be liable for any damage arising from any mistakes, delays, or problems in connection with any payment and receipt of money. 

10.2    You agree that we may change, modify, or cancel payments and receipt of money at any time. In the case where AIA will cancel the payment and receipt of money services through the AIA+ Application, AIA will notify you about such material changes or cancellation of the payment and receipt of money services through the AIA+ Application within a time period deemed appropriate by AIA. 

To the fullest extent permissible pursuant to applicable law:

(1)    The materials on this Application are provided “as is” and “as available,” and AIA disclaims all warranties, either expressed or implied, regarding the ability and completeness of these materials, including warranties of merchantability and fitness for a particular purpose;

(2)    AIA does not warrant that the Application or the functions contained in the Application will be uninterrupted or error-free, that defects will be corrected, or that this Application or the system that makes it available are free of viruses or other harmful components;

(3)    AIA does not warrant or make any representations regarding the use, or the results of the use, of the materials on this Application in terms of their correctness, accuracy, reliability, or otherwise. The information and descriptions contained herein are not necessarily intended to be complete descriptions, particularly with respect to AIA products and services. The User is always responsible for examining and reading the information in relation to products and services in AIA’s policy, agreements, and conditions specified for such products and services additionally.

(4)    AIA reserves the right to modify the contents, including any text, images, or audio, of the AIA+ Application at any time, but we have no obligation to notify you. You agree that it is your responsibility to monitor changes on the AIA+ Application regularly.

(5)    The AIA+ Application may be linked to other applications which are not maintained by AIA. When you access and use other applications, whether operated by AIA or third parties, you may be subject to and bound by additional policies, or terms and conditions. AIA suggests that you carefully read and understand them before agreeing to such policies, or terms and conditions.

You acknowledge and agree that AIA shall not be liable for any damage from your use of any other applications, and the inclusion of any link to such other applications on the AIA+ Application, or AIA’s permission for you to go to such other applications from the AIA+ Application, does not imply approval of, or endorsement by, AIA of such applications or the content thereof. You acknowledge and agree that you access such applications at your own risk.

(6)    While AIA uses reasonable efforts to include accurate and up-to-date information on this Application, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, you acknowledge, understand, and accept that AIA makes no warranties or representations as to the accuracy of the content of this Application, and under no circumstances, including negligence of AIA or any party involved in providing the AIA+ Application services be liable to you.

(7)    Access to the AIA+ Application from a device depends on various factors, such as its operating system, browser, and/or software on the device. AIA reserves the right to assume no liability for any damage or your device’s inability to work properly due to the installation or use of the AIA+ Application, or any computer viruses or malware. AIA makes no warranties or representations that the AIA+ Application will be free from computer viruses, malware, or other similar malicious software, which may affect the functionality of your device.

(8)    AIA makes no warranties and assumes no responsibility for any errors on the AIA+ Application arising from data transmission, system delays, device delays, or other delays or problems arising from the Internet, Bluetooth, Wi-Fi, electronic communications, your device errors, loss of connection, or inability to function, either due to technical failure or human error.

This Application is owned and/or licensed to be operated by AIA. Except as otherwise expressly permitted by AIA, no materials from this Application or any application owned, operated, licensed, or controlled by AIA may be copied, reproduced, republished, modified, stored in a retrieval system, used for creating derivative works, uploaded, posted, transmitted (by any form or by any means), distributed, or used in any other way for public or commercial purposes. You may download material displayed on this Application for your personal non-commercial use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, reuse, repost, or use the content of this Application, including the text, images, audio, and video, for public or commercial purposes, without AIA’s written permission. AIA neither warrants nor represents that your use of materials displayed on this Application will not infringe the rights of third parties.

In addition to other prohibitions as set forth in these T&Cs, you are prohibited from using the AIA+ Application or its content:

(a)    for any unlawful purpose;

(b)    to solicit others to perform or participate in any unlawful acts;

(c)    to infringe upon or violate our intellectual property rights, or the intellectual property rights of others;

(d)    to violate any local, national, and international regulations, rules, laws, or ordinances;

(e)    to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability;

(f)    to submit false or misleading information;

(g)    to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Application, or other applications, or the Internet;

(h)    to collect or track the personal information of others;

(i)    to spam, phish, or commit fraud in any way whatsoever;

(j)    for any obscene or immoral purpose; or

(k)    to interfere with or circumvent the security features of the Application.

We reserve the right to terminate your use of the Application or any related service, or to delete any data, if you violate any of the prohibited uses.

Unless otherwise expressly set forth herein, AIA makes no representation that materials on this Application are appropriate or available for use in any location, in addition to Thailand. Those who choose to access this Application do so on their own initiative, and are responsible for compliance with local laws.

Except as expressly set forth herein, the information contained in this Application is not an offer to sell, or a solicitation to buy, any security and insurance product by AIA. No security and insurance product is offered or will be sold by AIA or, if sold by AIA, will be effective in any jurisdiction in which such offer or solicitation, purchase, or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

Information provided on this Application should not be construed as an offer of securities for sale, nor a solicitation of an offer to purchase securities. Past performance is not necessarily an indication of future performance. Any person considering an investment in the securities of AIA Group Limited should seek independent professional advice, prior to making any investment decision.

Any information, other than personal data or information, that you transmit to AIA via this Application, by electronic mail, or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary, and will become the property of AIA. Such information, other than personal data or information, may be used for any purpose including, but not limited to, reproduction, solicitation, disclosure, transmission, publication, broadcast, and posting. AIA is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to AIA via this Application, or by any other means, for any purpose whatsoever including, but not limited to, developing and marketing products using such information. You waive all applicable rights which you may have in any information (other than personal data) that you transmit to AIA via this Application or otherwise, for the purposes of this section of the conditions.

All trademarks, service marks, trade names, logos, and icons are proprietary to AIA. Other than as expressly set out in these conditions and except as permitted by applicable law, nothing contained on the Application should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of AIA’s intellectual property including, but not limited to, any trademark or logo displayed in this Application, without written permission from AIA. Your use of the trademarks or logos displayed in this Application, or any other content in this Application, except as provided herein, is strictly prohibited.

To the extent that any software is made available or provided to you in this Application, AIA grants you a non-exclusive, limited, and personal license to download and use the software for your own personal, non-commercial use only. No other rights to the software are granted. All rights, including intellectual property rights, in the software remain the property of AIA or the relevant licensors or owners of the software and, except as permitted by law, you may not reverse engineer, decompile, modify, or tamper with the software.

We take our user’s security and confidentiality very seriously. While there is an inherent risk in doing business with anyone over a public medium like the Internet, we have implemented measures, in accordance with our standards, to reduce these risks. 

By accessing and signing into the AIA+ Application, you represent that you have read, acknowledged, and accepted the details of our Personal Information Collection Statement (https://www.aia.co.th/privacy) regarding the collection, use, and disclosure of your personal data. For any processing that requires your consent, we will obtain your specific consent in accordance with the law.

You agree to indemnify AIA, including its affiliates, partners, vendors, licensors (if any), officers, employees, directors, representatives, and any other persons designated by AIA (“Indemnified Persons”), against any damages (including reasonable lawyer’s expenses) arising from or in connection with any claims, legal proceedings, demands, or complaints from third parties that cause liability to AIA with respect to the AIA+ Application, or these T&Cs, resulting from: (1) your use of this Application, or your action, which is against the law or which violates these T&Cs; or (2) your action, whether willfully or by negligence, which causes damage or infringes the right of said third party.

No failure or delay on the part of AIA to exercise any right under these T&Cs will operate as a waiver thereof; nor shall any single or partial exercise of any right under these T&Cs preclude any other or further exercise thereof. The waiver by AIA of a breach of any provisions of these T&Cs will not constitute a waiver of a similar breach in the future.

In the event that any provision of these T&Cs is determined to be unlawful, void, or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these T&Cs and shall not affect the validity and enforceability of any other remaining provisions.

These conditions will be governed by the laws of the Kingdom of Thailand, and the parties agree to submit to the exclusive jurisdiction of the courts of Thailand.

In cases where you are a customer of AIA and a member of AIA Vitality, you agree to be bound by the terms and conditions of AIA Vitality Membership, in addition to these T&Cs. Please see further details here: https://campaigns.aia.co.th/vitality/th/terms-and-conditions.

2.1.1    You accept that some of the content, text, data, graphics, images, information, suggestions, offers, guidance, features, and other materials that may be available on the Application, including information provided in direct response to your questions or postings, may be provided by individuals in the medical profession or the use of Technology such as AI, but your use of this content and information is not a substitute for healthcare treatment with doctors, or medical advice or a diagnosis. However, the result is merely an assumption. This may deviate from your current condition for many reasons; therefore, AIA is not responsible for any loss and damages from the use of feature in this Application. If you feel unwell, AIA recommends that you see a doctor at a medical facility near your location immediately.

2.1.2    The provision of such information does not create a doctor-patient relationship, between AIA and you, and it does not constitute medical advice, or a diagnosis or treatment for any particular condition.

2.1.3    The information that you obtain or receive from AIA, and its employees, contractors, partners, sponsors, advertisers, licensors, or otherwise on the Application is for informational purposes only. We make no guarantees, representations or warranties, whether expressed or implied, with respect to professional qualifications, quality of work, expertise, or other information provided on the Application. In no event shall AIA be liable to you or anyone else for any decision made, or action taken, by you in reliance on such information.

2.1.4    AIA is not a medical service provider, and nor is it involved in providing any healthcare or medical advice or diagnosis. AIA shall therefore not be responsible, and owns no liability to either the users or doctors, for any outcome from the consultation between the user and the doctor.

2.1.5    This Application is made for general purposes, and not for medical emergencies, in which case face-to-face medical care or consultations are required. In addition, if a doctor is of the opinion that it is necessary for you to have a physical examination, a face-to-face medical appointment, or face-to-face medical consultations, it is your sole responsibility to make an appoint to see a doctor, regardless of whether such doctor is on the list provided on the Application or not. Notwithstanding anything to the contrary contained in this document, AIA does not make representations with respect to any doctors who provide consultations to you, and shall not be responsible for the medicines prescribed by any doctors, or any treatments recommended by any doctors.

2.1.6     AIA does not warrant or represent that the Application, interactive videos, audio consultations, or text consultations are appropriate channels specifically for your health problems or requirements. AIA has no liability with respect to the use of this Application, including any applications that are linked from this Application and which may not be operated by AIA, for any emergencies, or when face-to-face medical diagnosis or consultations are necessary.

2.1.7    You agree to follow any medical advice that you receive from any doctors or other experts that you see face to face for emergencies and/or additional examinations/testing.

2.1.8    You agree that you will not hold AIA liable, or cause AIA to have potential and general risks, with respect to remote medical consultations through a mobile phone and/or other electronic means, including the risk that: (a) the information provided by you is insufficient or not accurate enough to provide appropriate health diagnosis (and therefore face-to-face medical consultations are required); (b) the results of examinations taken by yourself may not be reliable, making any analysis and diagnosis based on such results inaccurate; (c) all your health records may not be accessible, possibly causing adverse drug events, allergies, or other conditions; and (d) a failure in the software, hardware, or data transmission may cause a delay in the evaluation, diagnosis, or treatment. 

By applying to use the AIA+ Application services and related services, including Online Policy Information Services, I represent that I acknowledge, accept, and agree to be bound by these Terms and Conditions for the AIA+ Application, as amended and shown in the AIA+ Application. 

Last updated: October 20, 2022