AIA Vitality is a unique insurance and health programme that actively supports and rewards you for making healthy choices every day so you can live a healthier, longer and better life. It aims to reward AIA Vitality members who are proactive about improving their health and general well-being by providing benefits which may include discounts, exclusive offers, cash back rewards and other benefits relating to goods and/or services offered by AHS and our partners from time to time. For more information, please refer to the AIA Vitality website.

Unless otherwise set out in the relevant membership guide, only an AIA Vitality member can enjoy the benefits. Benefits may only be used for personal and not business purposes.

As a general rule, you will be eligible to access benefits when you have been notified by us that your membership has been accepted. Certain benefits may not be accessible immediately and may be subject to a processing or waiting period. The relevant membership guide will explain when that benefit will be available and the relevant terms and conditions applicable to obtaining each benefit. Please refer to the membership guide on the AIA Vitality website for more information.

In some cases, certain benefits or partner discounts will not be applied at the point of sale. Instead these benefits or discounts may be consolidated on a periodic basis in the form of rebates. Where applicable, you will receive such rebates by electronic funds transfer or vouchers, or such other method as may be determined by us from time to time at our sole discretion and subject to applicable laws. For more information, please refer to the relevant membership guide on the AIA Vitality website.

Additional fees, including but not limited to, activation fees, monthly fees and subscription fees, may be payable for the utilisation of certain benefits. The fees may be payable directly to the partner or to AHS. Please refer to the membership guide on the AIA Vitality website for more information. Where possible, we will endeavour to give you advance notice of the introduction of, or increase to, any fees payable for the utilisation of certain benefits. This notice may be provided electronically, including by email (sent to your last notified email address) or by posting details of the change(s) on the AIA Vitality website.

如果您就有關引進、增加、或使用某些優惠而須繳付任何費用而感到不滿，可以根據條款及細則 9 (終止會籍)，而終止您的會籍。

Benefits are provided by our partners. These partners are separate and independent entities, and AHS and/or AIA shall not be responsible for the nature or quality of products or services provided by those partners, nor for any solicitation efforts by those partners. The products and services offered by our partners are not sold or marketed by AHS, and the provision of the same may also be subject to certain terms and conditions of our partners. Our partners may apply additional terms and conditions with regard to the availability and eligibility of earning AIA Vitality points.

AHS makes no representations or warranties, express or implied, of any kind with respect to any benefit, including price, availability, quantity, quality, accuracy, timeliness, usefulness, merchantability or fitness of any product or service provided as part of a benefit, including without limitation, success rate or fitness for a particular purpose and quality.

AHS will not be liable for any loss, injury, claim or damage suffered or incurred as a direct or indirect result of an AIA Vitality member’s use of a product or service or reliance upon advice with respect to any benefit. AHS shall have no liability for partner withdrawals from the AIA Vitality programme or for award changes or cancellations caused by partner withdrawals, discontinued partner service, or award or point accrual cancellations for any reason.

關於任何優惠部分對產品或服務有任何爭議，應直接與有關合作夥伴解決。

By joining and participating in the AIA Vitality programme, you understand and acknowledge that your name, address and certain other personal data of yours may be shared with some or all of our partners for the purpose of providing you with the services in relation to AIA Vitality programme.

In addition to the above, you may opt in, by indicating as such in the application form or other available channels to receive promotional materials, mailings or emails from AHS, AIA with respect to insurance or takaful products or our partners with respect to the partners’ products and services. For details, please refer to clause 10.3 below, AIAV PICS and AHS Privacy Policy.

A partner (alone or jointly with AHS) may issue a membership guide which sets out the rules governing the use and access to a benefit. You can obtain the full set of membership guide from the AIA Vitality website, or via email to customercare@aiavitality.com.my, or call 1 300 88 1899, for overseas customers call 603-2056 1111.

Representations in the membership guide made on behalf of our partners are based upon information that AHS has received from them, such information having been provided to us along with assurances from our partners that it is accurate.

AHS does not assume any legal liability or responsibility for the completeness, accuracy, adequacy or currency of the contents of any membership guide or any other advice or information provided with respect to any benefit.

All information in a membership guide and other information provided with respect to any benefit is general information only and are not in any way intended to be financial, medical, nutritional, health, fitness, legal or other advice or as a substitute for such advice. Any such information is not provided to promote or influence you to acquire any product or service.

Membership guide and other information provided in respect of benefits do not take into account your personal circumstances and are subject to change. You should obtain professional advice from a medical practitioner, pharmacist, dentist, nutritionist or other appropriate health professional in relation to your own personal circumstances or in relation to the diagnosis or treatment of any medical condition. If necessary, you should consult with such a professional. Importantly, the results of any benefits, devices, services, software available, assessments, health checks, consultations or tools cannot replace any advice a doctor or other health professional gives. You should not change or discontinue any assistance or treatment you may be receiving on the basis of information provided in relation to any benefits, devices, services, software available, assessments, health checks, consultations or tools accessed or used without first consulting your healthcare provider. Medicines you use for your physical or mental health may also affect the results of any benefits, devices, services, software available, assessments, health checks, consultations or tools accessed or used. You should also seek professional advice immediately should any symptoms you may be experiencing persist or change.

By taking part in the AIA Vitality fitness assessment with an AIA Vitality gym partner (and/or its franchisees) and/or by using the AIA Vitality gym partner’s and/or its franchisees’ services and/or facilities (Activity) you:

1. Authorise, agree and consent to AHS collecting, using (including handling and storing) and/or disclosing personal and sensitive information in connection with the Activity or the AIA Vitality programme in accordance with the AIAV PICS and AHS Privacy Policy available at aiavitality.com.my;
2. Authorise, agree and consent to the relevant gym partner collecting, using (including handling and storing) and/or disclosing personal and sensitive information in connection with the Activity or the AIA Vitality programme in accordance with its Privacy Policy available on its website and in the absence of such a provision, in all cases to AHS;
3. Acknowledge and agree that to the extent permitted by law, AHS and the relevant gym partner exclude any and all liability to you under contract, tort, statute, equity or in any other manner, for any injury (including without limitation death, personal, bodily or mental injury), damage or loss of any kind whatsoever (including without limitation, any liability for direct, indirect, special or consequential loss or damage) sustained by you or any other person, or for any costs, charges or expenses incurred by you or any other person arising from or in connection with the Activity and/or any act or omission of AHS and/or the relevant gym partner, except to the extent that such injury, damage or loss is caused by the gross negligence (meaning that the act was done or omitted to be done with reckless disregard, with or without consciousness for the consequences of the act or omission) of AHS and/or the relevant gym partner. In such case, the liability of the respective party will be limited to the injury, damage or loss directly caused by that party’s gross negligence. This clause does not exclude, or intend to exclude, any consumer guarantees applicable to the Activity and to the extent that it does this clause has no effect;
4. Represent that you are in good physical and mental condition and have no health and medical reason, impairment or disability that might prevent you from undertaking the Activity. You acknowledge that neither AHS nor the gym partner is in a qualified position to provide you with medical advice related to your physical condition and/or inability to undertake the Activity;
5. Agree to obtain professional advice from a medical practitioner, pharmacist, nutritionist or other appropriate health professional in relation to your own personal circumstances or in relation to the diagnosis or treatment of any health / medical condition. If necessary, you agree that you will regularly consult with such a professional. You also agree to seek professional advice immediately should any symptoms you may be experiencing persist or change; and
6. Acknowledge and agree that the results of the Activity are not a substitute for medical advice or treatment and must not be used for diagnosing or treating a health problem or to replace your doctor or healthcare professional. You agree not to change or discontinue any assistance, medication or treatment you may be receiving on the basis of information provided in relation to the Activity without first consulting your doctor or health professional. Medicines you use for your physical or mental health may affect the results of the Activity. Any reliance by you on the information provided in undertaking the Activity will be at your own risk. AHS and the gym partner make no express or implied representation or warranty regarding the completeness, accuracy, reliability or currency of the information or results provided.

作為「AIA Vitality 健康程式」的新會員，您的預設級別為銅。您於整個「AIA Vitality 健康程式」會籍年度內所賺取的積分會加至您的級別中。賺取的積分愈多，達到的級別愈高。這些不同級別有：銅、銀、金和白金。倘欲提升級別，您必須累積足夠的積分以達到相關的級別。下表列出目前這些條款及細則下每個級別所需的積分。

As your status changes, the benefits you are entitled to and the terms relating to those benefits may change. Please refer to the membership guide for further information.

You will earn points for completing certain activities if you are an AIA Vitality member. Additional rules such as age and gender rules apply to some activities. Please refer to the partner membership guide on our website for further details. The number of points you can earn will depend on a range of factors such as the activity you are doing and your health goals and risk factors. We may adjust the number of points you can earn for each activity depending on your individual health status or how important the activity is to your health status. Certain activities and/or groups/categories of activities may have limits as to how many points you can earn over a certain time period.

您將會依據我們和相關的合作夥伴不時決定的條款及細則獲得「AIA Vitality 健康程式」積分。在某些情形下，您的積分可能約30天才會反映出來。我們無法掌控各合作夥伴贈予或任何延遲贈予積分或登記交易至您的會員賬戶的情形，亦不承擔責任或義務。

AHS and its partners may run promotions from time to time offering bonus AIA Vitality Points. Qualification for these bonus points is subject to terms and conditions of each individual promotion. Where a promotion requires pre-registration, bonus points will only be credited if members complete the registration process at our website prior to purchase or consumption of our partner’s products and services.

AHS and its partners may exclude specific activities from the crediting of AIA Vitality Points with or without notice to members. In some cases, AIA Vitality Points may not be earned in conjunction with other promotions or discounts offered by AHS and/or its partners. You are advised to check with us and/or our partners.

檢視所有的積分皆已正確反映是您的責任。

AHS reserves the right to audit any and all your activities to ensure compliance with these terms and conditions and other applicable rules, regulations, policies or procedures relating to the AIA Vitality programme, without notice to you. During the course of audit or investigation, we may share your account information with our partners and also third parties with whom we have contracted to assist in perform such audit or investigation. In the event that an audit reveals discrepancies or possible violations, we may delay the processing of the awarding of AIA Vitality Points, cancel any outstanding redemption, withhold statements or suspend your account pending completion of an audit. Upon completion of an audit, if discrepancy or violation has been determined by us, in addition to any other remedies we may have, the AIA Vitality Points may be removed from your account and/or your AIA Vitality Status may be downgraded to remedy any such discrepancy or violation with or without notice to you.

Any disputes in connection with or arising from the points awarded must be notified to us as soon as possible and in any event, within 45 days from the date of activity, by email at customercare@aiavitality.com.my or call 1 300 88 1899, for overseas customers call 603-2056 1111. We may need you to provide us with supporting documents wherever applicable to assist us in settling any disputes. If we do not receive any notifications from you within the stipulated timeframe of any disputes or inaccuracies on your points, the points statement will be taken to be correct, final and binding on you. Our decision on any such dispute shall be final and conclusive.

You can monitor your points by logging on to the AIA Vitality website, via the AIA Vitality mobile app or by calling 1 300 88 1899, for overseas customers call 603-2056 1111.

There may be a delay for points to be loaded and / or reflected on your points statement or on any of the above platforms.

除非您的會籍有所變更，否則自您獲得相關級別起至下一個「AIA Vitality 健康程式」會籍年度結束為止，您的級別將會維持不變。您的「AIA Vitality 健康程式」會籍週年屆滿時，AIA Vitality會員可將他們上一年度所累積的級別轉延。然而，在「AIA Vitality 健康程式」會籍年度的下一年，如果您沒有賺得足夠的積分來保持級別，您的級別將會喪失。

Your points will expire at the end of the AIA Vitality membership year in which the points are earned. No points will be carried over into the subsequent year. Points earned in one AIA Vitality membership year must be claimed within 30 days from the anniversary of your AIA Vitality membership. If you do not submit the proof of participation or required documents within this period, the points will not be awarded.

「AIA Vitality 健康程式」計劃會籍屬您個人，故不會依普通法或平衡法分配。累積的「AIA Vitality 健康程式」積分不屬您的財產。

AIA Vitality Points generated under this AIA Vitality programme apply to certain qualified benefits offered by the partners in Malaysia only. They are not transferrable to other AIA vitality schemes operated elsewhere in the world (and vice versa).

除非在這些條款及細則或在其他任何與「AIA Vitality 健康程式」計劃相關的文件中另有提及，否則您不可將您的積分、級別、會籍權利或享受權益的權利或積分轉讓、分配、出售、交換或承諾允許給另一人或另一位會員。「AIA Vitality 健康程式」積分不可遺留或遺贈。積分不可兌換現金，也不可因其他任何考量而歸還。

如果積分、獎勵或權益購自一未經授權的來源時，此等交易可被撤消，且您將必須承擔支付因不當或詐欺轉讓和／或兌換以及以其他方式違反「AIA Vitality 健康程式」計劃條款所核發獎勵的全額、無限制價值的責任。

On some benefits you may be required to utilise and/or purchase the partner’s facility, goods and/or services a specified minimum number of times or amounts. Failure to meet these minimum utilisation rules could result in your rights to the benefit being altered or terminated. Please see the relevant membership guide on the AIA Vitality website for more details.

If you cease to be insured/covered under an Eligible Policy/Certificate, your membership is automatically terminated when your annual membership fee is due or if you are paying your membership fee other than on an annual basis, at the next membership fee due date, whichever is earlier.
If you cease to be insured/covered under a Corporate Solutions policy, your membership is automatically terminated at point of cessation of the Corporate Solutions policy.

Your membership is also automatically terminated in the event of member’s demise, and all AIA Vitality Points accumulated by the deceased member will be abolished.

You may request for a refund of the unused portion of your paid annual membership fee PROVIDED you have not utilised any of the benefits under your AIA Vitality membership.

If you do not wish to continue with your AIA Vitality membership, you may choose to stop paying your membership fee and your membership will expire accordingly

On termination of your AIA Vitality membership, you may or may not automatically terminate your existing relationship with partners as you may still be subject to the notice period of certain partners and to any other relevant terms and conditions of such partners.

我們保留隨時終止、暫停、取消、關閉、召回或撤銷全部或部份的「AIA Vitality 健康程式」計劃的權利，並且不保證「AIA Vitality 健康程式」計劃將無限期的繼續下去或由我們管理及擁有。

我們更可因下列的原因（包含但不限於），保留權利以終止、暫停或關閉您的「AIA Vitality 健康程式」會籍（全部或部份,包括您的一項或多項權益的存取和使用權利）、您的交易、「AIA Vitality 健康程式」會員卡、積分和／或累積積分：

1. if we detect or suspect any unusual, irregular, suspicious, fraudulent or unauthorised use or activity or any conduct/misconduct
2. detrimental to the interests of AHS and/or AIA, any threatened or actual breach by you of the AIA Vitality terms and conditions, AIA Vitality Terms of Use or of any membership guide;
3. 根據這些條款及細則，倘若您不符合或不再符合（或我們懷疑您不符合或不再符合）「AIA Vitality 健康程式」會籍；
4. if you do not pay the AIA Vitality Membership Fee or any other fees payable to us or any of our partners;
5. if we believe that you are abusing or misusing the benefits, awards or privileges of the programme;
6. if you are no longer a life insured/covered person of an eligible plan to which the AIA Vitality membership is linked, or the primary insured of Corporate Solutions policy.

In the event of termination of the AIA Vitality programme or the cancellation of membership in the AIA Vitality programme, we shall notify you in writing of such termination or cancellation by posting details on the AIA Vitality website, and/or by sending an email to the last notified email address as specified by you.

根據我們與相關合作夥伴的協議條款，我們將在合理的情況下竭力讓「AIA Vitality 健康程式」會員可使用在「AIA Vitality 健康程式」計劃終止日當天所訂購的權益，期間為自我們發出「AIA Vitality 健康程式」計劃終止通知起45天。

倘若您的會籍因下列任何原因被終止：

1. Subject to the terms of our agreements with the relevant partners and any other relevant terms and conditions of the relevant partners, your rights to discounts, benefits and rewards will cease upon the termination of your AIA Vitality membership.
2. You may be entitled to any outstanding cash back that you earned less any outstanding fees due to AHS, subject to the terms and conditions of the applicable partner cash back programme.
3. In the event that there are any unpaid sums owed to AIA Bhd. or any of our partners in connection with your AIA Vitality membership, upon the termination of your AIA Vitality membership, we reserve the right to deduct any such unpaid sums from the benefits that you may have earned.
4. Any discounts or added benefits which may have applied in respect to your existing Eligible Policy/ Certificate will cease immediately upon termination of your AIA Vitality membership.
5. Any points and status will cease upon the termination of your AIA Vitality membership.

Membership of the AIA Vitality programme does not give rise to any legal relationship with AHS or AIA, other than being bound by these terms and conditions and the other governing documentation referred to in clause 1 of these terms and conditions, and when entitled to do so, to receive any benefits.

Nothing herein shall be construed as a representation by us that AIA Vitality programme and/or AIA Vitality membership card is/are available for use in geographic areas or jurisdictions other than Malaysia.

The AIA Vitality terms and conditions and other governing documentation (including but not limited to the AIA Vitality Terms of Use, AIAV PICS, Privacy Policy and membership guide) and the use of the AIA Vitality membership card shall be governed by and construed in accordance with the laws of Malaysia.

若基於任何原因，「AIA Vitality 健康程式」條款及細則或任何其他規範文件等任何規定或部份必須作廢或無法執行，則「AIA Vitality 健康程式」條款及細則或任何其他規範文件的這類規定或部份應與「AIA Vitality 健康程式」條款及細則或這類其他規範文件分開來解讀和處理；同時，這類規定或「AIA Vitality 健康程式」條款及細則或這類其他規範文件（視情況而定）的其他部份仍然具有效力，且可在最大範圍內繼續執行。

Other benefit promotions, special discounts, competitions, exclusive offers etc. may be offered from time to time, including from us, our partners or affiliates. If they are offered, other terms and conditions may apply, which may be notified by mail, email, SMS, the AIA Vitality website or the AIA website www.aia.com.my or other facility.

You consent to receive documents and other information in relation to your AIA Vitality membership and any other arrangements you have with us by way of electronic communication to your most recent email address we have in our records, and authorise us to act on instructions received electronically. You also consent to us communicating electronically where some information can be obtained by following a hyper-link or by accessing an electronic address set out in the communication. You acknowledge that these consents and authority have effect to the maximum extent that we are permitted by law to act and provide information to you in accordance with these consents and authority.

We shall be entitled from time to time to contact you via electronic transmission (e.g. email), mail, SMS, MMS, telephone, fax and other means of communication (via any of your telephone numbers, whether registered in Malaysia or otherwise) in respect of your membership and participation in the programme. You acknowledge that hard copy documents and information may not be given and that electronic communications must be regularly checked. Notwithstanding these consents, we may still decide to send you hard copy documents and information in certain circumstances.

Any notice or other information to be given to you may be given in the form of updates to the AIA Vitality website, portals, online facilities, electronic transmission (e.g. email), mail, SMS, MMS, telephone, fax and other means of communication (by any of your telephone numbers, whether registered in Malaysia or otherwise), at the address as may from time to time be notified in writing.

We shall use reasonable endeavours to transmit statements, notices and other material relevant to AIA Vitality members to advise you of various matters of interest, including changes to the programme, but we shall not be responsible for correspondence lost or destroyed. Any statement, notice or other material shall be deemed to have been given by us if it is uploaded to the AIA Vitality website or if it is sent to the email or physical mail address last notified to us by the AIA Vitality member for the AIA Vitality programme. You are responsible for advising us of any change in your contact details, including email and physical mail address, and ensuring that your email address remains current and unblocked and that communications from us are not filtered or placed in a location where you do not see them so that we can provide documents and other information to you. AHS shall not be liable for failure to deliver a notice to you where you have failed to comply with the foregoing.

總結來說，當您與我們聯絡、提出詢問，或使用或要求我們的產品或服務或我們合作夥伴的產品或服務時，我們會在各種不同情況（包含從註冊）下收集個人的機密和敏感資料。我們收集的個人和敏感資訊類型包含（還有其他）您的姓名和聯絡詳細資料、身份辨別資訊（例如出生日期）、人口統計資料及個人檔案資炓（姓別、年齡等），還有健康和醫療相關資訊。我們還收集有關您與我們互動時的個人資料，包含我們與您的電話、電郵或線上聯絡。您在此同意您為了「AIA Vitality 健康程式」計劃相關用途而提供的任何資訊，都是自願為會籍和參加「AIA Vitality 健康程式」計劃而提供。

In order to provide you with proper advice and service, the servicing agent of your insurance policy/takaful certificate under which you are named as the life insured/person covered will have access to certain information related to your AIA Vitality membership. The information will be restricted to your benefits and rewards. No health information will be released to the servicing agent without your prior written consent.

AHS (and for the avoidance of doubt, its related bodies, corporate, and affiliates) may also use and disclose your personal information to provide marketing communications that may be of interest to you, including without limitation, about new AIA Vitality products and services as well as partner products and services. Communications may be provided on an ongoing basis by telephone, electronic messages (e.g. email and pop-ups), online (including websites and mobile apps) and other means. Before using your personal data for the marketing purposes, we must obtain your consent, and only after having obtained such consent may we use and/or provide your personal data for any promotional or marketing purpose. If you do not wish to receive direct marketing communications please indicate this where prompted (e.g. on the application form, by following unsubscribe instructions in the communications themselves or by contacting us on customercare@aiavitality.com.my or call 1 300 88 1899, for overseas customers call 603-2056 1111.). Please refer to the AIAV PICS and AHS Privacy Policy for more information.

Any health or medical-related personal information you provide as part of your AIA Vitality membership will not be provided to the underwriting or claims departments of AIA Bhd. or AIA PUBLIC Takaful Bhd. and therefore will not be used in the making of any future underwriting or claims decisions. Under no circumstances shall AIA Bhd. or AIA PUBLIC Takaful Bhd. be deemed to have knowledge of any AIA Vitality programme related information in respect of its underwriting and claims functions. In accordance with your duty of disclosure, you are still therefore obliged to disclose any of this information to the extent it may be relevant in the event of any future application for insurance/takaful cover, changes to existing insurance/takaful cover or claims under an insurance policy/takaful certificate with AIA Bhd. or AIA PUBLIC Takaful Bhd..

Your membership of, and participation in the AIA Vitality programme is based on mutual trust. Where dishonesty or fraud or misrepresentation or abuse of AIA Vitality programme privilege is detected, benefits may not be awarded, your AIA Vitality membership may be cancelled and the matter may be referred to the appropriate authorities. This AIA Vitality membership may become invalid and we may take other action consistent with our legal rights.

如您的任何作為或不作為是不實或欺詐或構成濫用「AIA Vitality健康程式」權限，或如果您本人、任何家庭成員、或就「AIA Vitality健康程式」計劃代表您本人或家人的任何人士使用任何不實或欺詐或不當方式或手段，則本程式的所有優惠可能被取消或撤銷，閣下的「AIA Vitality健康程式」會籍亦可能被取消，而由於您本人或任何家庭成員或代表您本人或家人的任何人士作出不實或欺詐行為，您可能需要向我們退回我們或我們任何合作夥伴（或根據我們指令的任何其他人士）支付的任何款項及提供的任何優惠。

Under no circumstances, including as a result of its negligent acts or omissions or those of its officers, employees, directors, agents, advisers, contractors, partners or other persons for whom in law it may be liable, shall AIA Bhd. be liable for any loss or damage of any nature which you, your beneficiaries or any third parties may sustain as a result of engagement in the AIA Vitality programme. By agreeing to these terms and conditions you, your beneficiaries and any third parties indemnify AHS accordingly.

All liability of AHS, AIA and/or partners and their respective officers, employees, directors, agents, advisers and/or contractors for any loss, damage, claim or expense (including but not limited to indirect, incidental, special, punitive or consequential liability, economic loss, loss of profits and loss of opportunity) you may incur or suffer that arises directly or indirectly out of these terms and conditions, any other governing documentation as set out in clause 1 of these terms and conditions or the AIA Vitality programme (regardless of whether we have any control over circumstances giving rise to the claim or not) including termination or suspension of your AIA Vitality membership, termination of the AIA Vitality programme and/or termination of any benefit, is hereby excluded to the maximum extent permitted by law. To the extent permitted by law, this applies even if we have been informed that the liability, loss, damage or expense will or may result. AHS, AIA and/or partners and their respective officers, employees, directors, agents, advisers and/or contractors disclaim all warranties, express or implied, in connection with the AIA Vitality programme and the benefits. If AHS, AIA and/or partners are liable to you in any way, our liability shall be limited to allocating to your AIA Vitality membership the number of points and/or status which we consider is appropriate in connection with which the relevant claim arose.

To the fullest extent permitted by law, AHS disclaims all express or implied warranties including, but not limited to, warranties of availability, price, satisfactory quality, merchantability and fitness for a particular purpose. AHS and AIA shall not be liable for any damage or loss of any kind directly or indirectly arising from or in connection with the AIA Vitality programme, any information, software, products, services, benefits or content obtained through the AIA Vitality programme, or your dealings with our partners and third party service providers available through the AIA Vitality programme.

AHS and AIA shall not be liable for any disruption to the AIA Vitality programme or any delay to or inability to provide any of the benefits cause by circumstances beyond the control of AHS including, but not limited to, failure of any service provider or other third party, merchant closure, strikes or industrial disputes, acts of God, flood, weather, natural disaster, unavailability, war, hostilities (whether war be declared or not) terrorism, rebellion, revolution, insurrection, military or usurped power or confiscation or civil disturbance.

我們在網站、通訊管道及社交媒體提供的任何第三方連結（包含合作夥伴的連結）是為您的方便而提供。加入連結不表示我們批准或贊成這些內容。我們無法控制網站內容，且對這些內容不承擔任何義務或責任。

You must evaluate and bear all risks associated with the use of the content downloaded and acquired through our/third party (including partner) websites. We shall not be liable for any damage or loss of any kind directly or indirectly arising from or in connection with your use or inability to access our website /third party (including partner) links and/or use any related documents. Please note that the material (including, without limitation, workout and exercise tips, and information contained in applications and video clips), provided on any of our websites, communication channels and social media, including all text, photographs, images, illustrations, graphics, audio, video and audio-video clips, is provided by way of general information only. Whilst we, (including our holding company, subsidiaries and/or the subsidiaries of our holding company and any joint venture partners or affiliates), endeavour to ensure that the contents of the material are accurate, errors or omissions may occur and we do not accept any liability in respect of them.

在您準備進行「AIA Vitality 健康程式」計劃、我們的網站、通訊管道和社交媒體提供的任何健康和健身建議前，我們建議您先請教醫生再行事。我們不是有執照的醫療服務提供者，且我們並未具備任何專業知識，可診斷、健檢或治療任何病症，或確定任何特定運動是否對醫療病症有效果。「AIA Vitality 健康程式」計劃不提供任何醫療建議或治療。若發現有異常健康普查結果並進行評估後，「AIA Vitality 健康程式」計劃不可取代任何應有的專業醫療建議、診斷、治療或護理管理。本計劃提供的任何建議並無意指導醫療診斷或治療的方法或方向。若有任何健康相關問題，請立即致電或親自去找您的健康護理服務提供者或醫生。若是緊急狀況，請立即致電與健康護理服務提供者或醫生聯絡。

您明確同意自己進行的體育活動原本就存在有財物損失、身體傷害或死亡的重大風險；且您自願承擔與這類活動有關的已知或未知風險，即使這些風險完全或部份是因為我們或他人（包含合作夥伴）採取或未採取行動或疏忽所致也一樣。您亦明確同意我們無需為任何比賽、競賽、團體體育活動或任何累計積分活動的檢驗、監督、準備或實施等承擔任何責任。

若您試圖健身或運動後，在任何時候開始感到不適或不舒服，請立即停止活動並向您的健康護理專業人員尋求進一步的建議。請勿因為讀取我們網站、通訊管道和社交媒體上的任何資訊，而放棄、避免或延誤向健康護理專業人員取得醫療或健康相關的建議。目前可能會有一些對我們所提供資訊有影響的健康和健身研究；因此，我們提供的資訊可能並未根據最新的研究結果或發展。

對於您參加或投入健身或運動或任何健康和保健計劃，或在我們網站、通訊管道和社交媒體獲得或分享取得的任何資訊，因而發生任何傷害和／或損傷，我們概不負責。

You may incur a tax liability or disclosure obligation through joining or use of AIA Vitality programme. You should obtain your own financial or tax advice regarding any benefit you may receive through AIA Vitality. AHS is not liable for any financial or tax consequences that may arise. AHS reserves the right to provide any tax authorities with full details of any member’s accrual and redemption of benefits, upon request of a tax authority. AHS excludes all liability for cooperating with tax authorities in this matter.

Please also refer to the AIA Vitality Terms of Use, AIAV PICS, AIA Vitality Privacy Policy and other governing documentation set out in clause 1 of these terms and conditions.

From time to time and in our sole and absolute discretion, we may select individuals and offer exclusive memberships to them for AIA Vitality programme. In such circumstances the individual will be deemed to satisfy the eligibility criteria in these terms and conditions and other additional eligibility criteria as may be determined by us for the exclusive membership offer at our sole and absolute discretion. We may at our sole and absolute discretion waive the annual membership fee, the requirement to be insured under an eligible AIA Bhd. insurance policy, or other requirements of AIA Vitality membership. Whether a selected individual is offered an exclusive membership and the eligibility and rules applicable to such exclusive membership are in the absolute discretion of AHS.

These terms and conditions apply to such exclusive memberships, except where the terms and conditions are inconsistent with this clause 10.6, in which case this clause 10.6 will prevail to the extent of any inconsistency. If an exclusive membership is offered, other terms and conditions may apply, which may be notified by the AIA Vitality website, mail, email, SMS or such other facility as AHS determines in its sole and absolute discretion. We reserve the right to terminate, suspend, cancel, deactivate, recall or revoke an exclusive membership offered at any time.

Without in any way limiting the termination rights of AHS or other rights contained in these terms and conditions or rights under rules, regulations, policies, procedures and other documentations relating to AIA Vitality programme, where a selected agent or a selected personnel of our business partner has been granted an exclusive membership, the exclusive membership will automatically be terminated on the occurrence of the earliest of one of the following applicable events: cessation of business; revocation of requisite license to distribute insurance products; cessation to be the agent or business partner (as the case may be) to distribute AIA insurance policies or takaful certificates; retirement; death. AHS reserves the right, and retains the sole discretion, to terminate or suspend the exclusive membership at any time without the need to provide reasons.

其他條款及細則將繼續適用於專屬會員，且我們將不定期採用、實施、修正或改變其他適用於專屬會員的規則、政策或程序。

These terms and conditions, membership guide and other documentations issued by us relating to AIA Vitality programme are not intended to, and do not give any person who is not our member any right to enforce any of the provisions.

如果該條款和條件中的任何條文經法律禁止或經法院或仲裁庭判定為非法、無效或不可執行，並依規定範圍該條文得與該條款和條件分離且盡可能無須修改其他剩餘條款下認定失效，且不得以任何方式影響該條款和條件的任何其他情況或強制執行有效性。

No failure or delay by AHS in exercising any or enforcing any right, power or privilege shall impair the same or operate as a waiver of the same nor shall any single or partial exercise of any right, power or privilege preclude any further exercise of the same or the exercise of any other right, power or privilege.

These terms and conditions and the relationship between you and AHS are governed by Malaysia laws. By joining the AIA Vitality programme, you agree to submit to the exclusive jurisdiction of the Malaysian courts.

If this English version of the terms and conditions do not conform to the other language version, or there is any conflict in meaning between the English version and any version or translation in other language, the English version shall prevail. In the event of dispute, AHS reserves the right to final decision.