Terms and Conditions

Please read these terms and conditions before using this web-site. By using this web-site, you agree to be bound by the following terms and conditions without limitation or qualification. These terms and conditions may be changed from time to time.


The information and material on this web-site are provided on an “as is” and “as available” basis and no warranty is deemed to be made by HL Assurance Pte. Ltd. and/or its holding company and/or its subsidiaries and/or the subsidiaries of its holding company (collectively “HLAS Group”) as to the accuracy, adequacy, completeness or reasonableness of the information and materials contained in or accessed through this website and expressly disclaims liability for any errors in, or omissions errors in, or omissions from, such information and materials. No warranty of any kind, implied, express or statutory (including but not limited to, warranties of title, merchantability, satisfactory quality, non-infringement of third-party intellectual property rights, fitness for a particular purpose), is given in conjunction with such information and materials, or this website in general. The information and materials provided on this web site are for informational purposes only and are not to be considered as complete descriptions of the products and services described within. No responsibility or liability shall be accepted by HLAS Group for the content/materials/information provided on the web sites linked to this web-site (which are not maintained by HLAS Group or endorsed by the HLAS Group).

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 web properties, communication channels and social media, is provided by way of information only. It is not and does not purport to be, or it is not a substitute for, nor does it replace, medical or other professional advice, or treatment of health conditions. Whilst we 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. Any third party links provided by us on any of our web properties, communication channels and social media are provided for your convenience – their inclusion does not imply any approval or endorsement by us. We have no control over the content of those sites and accept no responsibility or liability in respect of them.

Risk Disclosure Statement

The Internet is an inherently unreliable medium of communication and such unreliability is beyond our control. There may be outages in our “customer login” due to system upgrades or changes. As a result, there may be failures or delays in the transmission or receipt of your application for insurance which may result in the failure or delay in processing your application. Further, there are risks of interception, interruption or transmission blackout as well as misunderstandings or errors in any communication via the Internet. Hl Assurance Pte. Ltd. (“HLAS”) shall not be responsible in any manner for any direct, indirect, special or consequential loss in connection with any loss as a result.


In certain countries, governmental, legal or regulatory requirements may restrict or prohibit the accessing and/or use of the information, products and services provided by this website. You confirm that no such requirements apply to you or in respect of your use of this website.


All information, materials and opinions appearing on this website, (including text, graphics, links or other items) are subject to change without notice at our discretion. Although efforts have been made to ensure accuracy, we cannot accept any responsibility for and do not warrant or represent that such information, materials or opinions are true, correct, accurate, complete or fair, and they should not be relied on as such.

All data, ideas, concepts and other information collected or derived from the information made available to us through this website shall deem to be and remain our property and we shall have free use of it without any confidentiality or other restriction, except if agreed in advance in writing or to the extent required by the laws of the Republic of Singapore.

Exclusion of Liability

In no event will HLAS be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this website or the use thereof or inability to use by any party, or reliance on the contents of this website, or in connection with any failure of performance, error, omission, interruption, defect, delay or failure in operation or transmission, computer virus or line or system failure, even if HLAS, its representatives, are advised of the possibility of such damages, losses or expense.


Hyperlinks from or to websites outside this website are meant for convenience only. Such linked websites are owned and operated by third parties and as such are not under the control of HLAS. Therefore, HLAS shall not be responsible and makes no warranties in respect of the contents of those websites, the third parties named therein or their products and services.

Furthermore, the links provided in this website shall not be considered an endorsement or verification or approval of such linked websites or the contents therein. Linking to any other site is at your sole risk and HLAS shall not be responsible or liable for any damages in connection with the linking.

License and Ownership

You shall not distribute, modify, transmit, reuse, repost, reverse engineer, decompile or make any use of the content of this website for public, commercial or other purposes other than private personal use, without our prior consent in writing. Nothing contained in this website should be construed as granting a license or right to use any trademarks or other intellectual property rights displayed in this website without the written permission of the owner.

Intellectual Property

All titles, copyrights and other intellectual property rights in and to this website and its content are owned by us or by the respective third party proprietor and may be protected by applicable copyright or other intellectual property laws.

Unless the prior written consent of HLAS or the relevant third party proprietor of any of the titles, copyrights and other intellectual property rights appearing on the website has been obtained, no license or right is granted to any party accessing this website to use, download, reproduce, copy or modify such titles, copyrights and other intellectual property rights. Similarly, unless the prior written consent of HLAS or the relevant proprietor has been obtained, no such titles, copyrights and other intellectual property rights may be used as a link or to mark any link to the HLAS’s website or any other site.

Personal Data

You agree to be bound by Policy on Personal Data, which will apply to all data provided by the customer as well as to data arising as a result of use of the web service. All data, ideas, concepts and other information collected or derived from the information made available to us through this web service shall deem to be and remain our property. You may visit HLAS’s website at www.hlas.com.sg to retrieve a copy of policy on personal data.


You will on demand indemnify, hold harmless and defend us against all actions, claims liabilities and costs suffered or incurred as a result of your use of this website, including but not limited to any breach whatsoever of any or all of the above terms and conditions.

Choice of Law and Jurisdiction

These terms and conditions will be governed by the laws of the Republic of Singapore and the parties agree to submit to the exclusive jurisdiction of the courts in the Republic of Singapore.