THIS AIA e-Invest IS OPENED TO EXISTING POLICYHOLDERS OF AIA INVESTMENT LINKED SCHEMES AND CAN BE USED TO CHANGE THE INVESTMENT ALLOCATION AND SWITCH INVESTMENT OPTIONS ("INVESTMENT OPTIONS"). PLEASE READ THESE TERMS & CONDITIONS CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THEM, DO NOT ACCESS ANY PART OF THIS AIA e-Invest.

By using or accessing any part of AIA e-Invest, you confirm you have read and agreed to the following:

1. AIA e-Invest
   
   
   AIA International Limited ("AIA") shall provide to policyowner (the "User") the online services and facility from time to time to submit instructions in relation to policy through an Interactive Website and/or an Interactive Application established, operated and/or maintained by AIA and/or its appointed administrator ("Interactive Platform") subject to these Terms and Conditions, the Terms of Use and the Privacy Statement.
   
   AIA has the right to determine and vary from time to time the scope and type of AIA e-Invest to be made available including, without limitation : -
   
   
   1. imposing and varying any restrictions to any or all Users on the use of this AIA e-Invest;
      
   2. expanding, modifying, reducing or discontinuing the whole or part of this AIA e-Invest at any time; and
      
   3. prescribing and changing the normal service hours during which any part of AIA e-Invest are available.
       
2. Customer Number and Personal Identification Number
   
   
   1. Upon request from User, AIA may issue the User a Customer Number (the "CN") and Personal Identification Number (the "PIN") in order for the User to access and use all or part of AIA e-Invest. The CN and PIN shall be delivered by post or by other suitable means to the registered address (which expression includes also email address) of the User at his/her own risk.
      
   2. The User shall act in good faith, exercise reasonable care and diligence in keeping the CN and the PIN in secrecy. At no time and under no circumstances shall the User disclose the CN and/or PIN to any other person and shall allow anyone else to operate AIA e-invest.
   3. The User shall be fully responsible for any accidental or unauthorized disclosure of the CN and / or PIN to any other person and shall bear the risks of the CN and/or PIN being used by unauthorized persons or for unauthorized purposes.
   4. Upon notice or suspicion of the CN and / or the PIN being disclosed to any unauthorized person or any unauthorized use of AIA e-Invest being made, the User shall notify AIA in person as soon as practicable or by telephone at such telephone number(s) as AIA may from time to time prescribe (and AIA may ask the User to confirm in writing any details given) and, until AIA actual receipt of such notification, the User shall remain responsible for any and all use of AIA e-Invest by unauthorized persons or for unauthorized purposes.
       
3. Instructions
   
   
   1. It is the sole discretion of AIA to suspend and / or restrict the use of AIA e-Invest for any policy at any time without giving any reason or prior notice.
   2. The User is required to quote the CN and PIN in order to log-on to AIA e-Invest and give instructions to AIA online. Instructions in connection with AIA e-Invest shall not be considered to be received by AIA unless they are given in such manner as AIA may prescribe from time to time and until AIA has actually received them.
   3. All instructions received by AIA in connection with AIA e-Invest on or before 9:00pm ("Cutoff Time") on each Business Day will be accepted on the same day and normally processed on the following valuation day. “Business Day” shall mean any day other than a Saturday, Sunday or proclaimed public holiday in Hong Kong and any day on which a tropical cyclone warning signal no. 8 or above or a “black” rainstorm warning signal is hoisted in Hong Kong at any time between 9:00am and 4:00pm.
   4. If an instruction is received on a day which is not a Business Day or is received by AIA after the Cutoff Time, it will be treated as having been received on the succeeding Business Day.
   5. User should note that switch-in transaction will be processed normally after the completion of the corresponding switch-out transaction at different valuation dates.
   6. All instructions once received by AIA may not be amended, canceled or withdrawn. All such instructions, as understood and acted on by AIA in good faith, shall be irrevocable and binding on the User whether given by the User or by any other person. AIA shall have no obligations or duty to verify authenticity of any instruction or the identity or authority of any person giving such instruction, other than to verify the CN and the PIN used to gain access to AIA e-Invest.
   7. Information relating to any account or transaction made available on AIA e-Invest are for reference only. AIA's records of such account and transaction shall be conclusive unless and until the contrary is established.
   8. To the maximum extent permitted by laws, AIA shall not be liable for any delay and failure in processing any instruction and transaction, and in no event AIA shall be liable to the User in contract, tort, negligence, breach of statutory duty or otherwise for any loss, damage, costs or expenses of any nature whatsoever incurred or suffered by the User in connection with his use of AIA e-invest.
   9. AIA will only act on an instruction insofar as it is in AIA opinion practicable and reasonable to do so and in accordance with its regular business practices and procedures.
       
4. Confirmation, and Other Correspondence
   
   
   Confirmation, and other correspondence including but not limited to statement and notice will be sent manually or electronically at User own risk to the specified address (postal or e-mail) or number as soon as reasonably practicable, the manner of delivery being at AIA's absolute discretion. Such confirmation or correspondence so sent shall be deemed to have been received by User within 1 Business day in the case of posting and upon a successful transmission message being obtained, if sent by e-mail or other electronic transmission.
   
   
5. Liabilities of AIA
   
   
   1. By providing this service, AIA is not inviting or recommending any person or entity to invest. The information on this site should not be construed as a prospectus for the purchase or sale of such investment.
   2. AIA cannot assume liability or responsibility to the User or any other person for the consequences arising from or in connection with:-
      1. any interruption, interception, suspension, delay, loss, unavailability, mutilation or other failure in providing AIA e-Invest, in transmitting instructions or information relating to AIA e-Invest or in connecting with the Interactive Platform caused by any acts, omissions or circumstances including, without limitation, failure of any communication network, act or omission of any third party service providers, mechanical failure, power failure, malfunction, breakdown, or inadequacy of equipment, installation or facilities, or any law, rules, regulations, codes, directions, regulatory guidelines or government order (whether or not having the force of law); and
      2. any transmission and/or storage of any information and/or data relating to the User, AIA e-Invest and/or instructions conducted by the User pursuant to AIA e-Invest through or in any system, equipment or instrument of any communication network provider.
   3. In no event shall AIA be liable to the User or any other person for any incidental, indirect, special, consequential or exemplary damages including, without limitation, any loss of use, revenue, profits or savings.
       
6. User's Undertakings and Responsibilities
   
   
   1. The User shall provide such information as AIA may from time to time reasonably request for the purposes of providing AIA e-Invest.
   2. The User shall not, and shall not attempt to decompile, reverse-engineer, translate, convert, adapt, alter, modify, enhance, add to, delete or in any way tamper with, or gain access to, any part of AIA e-Invest or Interactive Platform or any software comprised in them.
       
7. Legal and Tax Implications
   
   
   Each User is responsible for making his/her own decisions and for obtaining its own advice on all relevant laws and tax in the countries of his/her citizenship, residence or domicile and other professional advice in connection with any investment.
   
   
8. Risk Disclosure Statement
   
   
   The price of Investment Options fluctuates, sometimes dramatically. The price of Investment Options may experience upward or downward movements and may under some circumstances become valueless. There is an inherent risk that losses may be incurred rather than profits made as a result of buying or selling Investment Options.
   
   
9. Amendment
   
   
   AIA may revise these Terms and Conditions and/or introduce additional terms and conditions at any time on notice to the User by positing it on Interactive Platform or other means as AIA thinks fit, and such revision or amendment shall be binding on the User if the User continues to maintain or use AIA e-Invest on or after the effective date of the variation.
   
   
10. Law
    
    
    These Terms and Conditions shall be governed by and construed in accordance with, the laws of Hong Kong SAR if the policy is issued in Hong Kong, and the laws of Macau SAR if the policy is issued in Macau. For the avoidance of doubt, these Terms and Conditions do not create any right by any person other than the policyowner himself.
    
    
11. General
    
    
    1. In the event of any ambiguity or inconsistency between the English and Chinese versions of these Terms & Conditions, the English version will control and prevail
    2. Words importing the singular shall include the plural and vice versa.
    3. Headings are inserted for ease of reference only, save where referred to otherwise, and shall not form a part of the provisions of these Terms and Conditions.