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TERMS & CONDITIONS:
 
Prudential Assurance Malaysia Berhad is an indirect subsidiary of Prudential plc, a company incorporated in the United Kingdom. Neither Prudential Assurance Malaysia Berhad nor Prudential plc is affiliated with Prudential Financial Inc, a company whose principal place of business is in the United States of America.

1. TERMS OF USE:
   Access to this PRUlife ready web tool is granted, by Prudential Assurance Malaysia Berhad ("Prudential"), subject to the following Terms and Conditions. Usage of this web tool constitutes your agreement to be bound by all such Terms and Conditions without limitation or qualification. Prudential may at any time revise these Terms and Conditions by updating this post. You are bound by any such revisions and should therefore periodically visit this page to review the then current Terms and Conditions to which you are bound. IF YOU DO NOT AGREE TO THESE TERMS & CONDITIONS, PLEASE DO NOT USE OR ACCESS THIS WEB TOOL OR THIS SITE.
    
   
2. DISCLAIMER:
   The materials contained in this web tool, including services, products, information, data, text, graphics, audio, video, links or other items are provided "as is" and "as available". Prudential disclaims all warranties, express or implied, on any matter whatsoever relating to this web tool and any information, materials, products and services provided herein, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, title and non-infringement of third party rights.
    
   Prudential does not warrant the accuracy, adequacy or completeness of the information and materials in this web tool and expressly disclaims liability for errors or omissions in such information and materials, which may be caused by any reason whatsoever, including but not limited to any human error which may have occurred in the design/creation of this web tool. In addition, Prudential may, from time to time, at its absolute discretion change, delete or replace the materials and information provided herein.
    
   No warranty is given that access to any information or materials on this web tool, or this web tool as a whole will be provided uninterrupted or free from errors or that any identified defect will be corrected; furthermore, no warranty is given that this web tool or any information or materials contained therein are free from any virus or other malicious, destructive or corrupting code, agent, program or macros. Prudential is not and will not be responsible or liable for any injury or damage to any other person's computer/software relating to or resulting from entering or downloading materials in connection with this web tool.
    
   The user of this web tool understands that the results derived from using this web tool are merely estimates based on answers to general questions and assumptions which may not apply to the user, and any reliance placed on such results should be at the user’s own risk without any liability whatsoever to Prudential.
    
   
3. EXCLUSION OF LIABILITY:
   Prudential, its employees, officers, directors, agents, affiliates, parent, subsidiaries and representatives, shall in no event be liable for any damages, loss or expense including without limitation, direct, indirect, special, consequential or punitive damages or economic loss arising from or in connection with:
    
   
   • any access, use or the inability to access or use this web tool, or reliance on the results or contents of this web tool;
   • any system, server or connection failure, error, omission, interruption, delay in transmission or computer virus;
      
     
   • any use of or access to any other web tool or website linked to this web tool;
      
     
   • any services, products, information, data, software or other materials obtained from this web tool or from any other tools or websites linked to this web tool;
      
     
   • any other Disclaimers above which are not specifically mentioned herein,
      
     
   howsoever caused, including negligence, even if Prudential or its employees, officers, directors, agents, affiliates, parent, subsidiaries or authorised representatives have been advised of the possibility of such damages, losses and/or expenses. This exclusion clause shall take effect to the fullest extent permitted by law.
    
   
4. COPYRIGHT AND TRADEMARKS:
   You should assume that everything you see or read on this web tool is copyrighted unless otherwise noted and may not be copied, used or distributed in any way without the written permission of Prudential, except as provided in these Terms and Conditions or in the text on this web tool. Prudential neither warrants nor represents that your use of materials displayed on this web tool will not infringe rights of third parties not owned by or affiliated with Prudential.
    
   Images of people or places displayed on this web tool are either the property of, or used with permission by, Prudential. The use of these images by you, or anyone else authorised by you, is prohibited unless specifically permitted by these Terms and Conditions or specific permission is provided elsewhere on this web tool. Any unauthorised use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
    
   All trademarks, service marks, trade names, logos and icons (collectively "Trademarks") displayed on this web tool are registered and unregistered Trademarks of Prudential and others. Nothing contained in this web tool should be construed as granting, by implication, estoppel, or otherwise, any licence or right to use any Trademark displayed on this web tool without the written permission of Prudential or such third party that may own the Trademarks displayed on this web tool. Your use of the Trademarks displayed on this web tool, or any other content on this web tool, except as provided in these Terms and Conditions, is strictly prohibited.
    
   
5. USE OF INFORMATION:
   All users of this web tool hereby authorise Prudential to make use of, disclose, divulge or reveal in any manner, any information obtained from the use of this web tool and/or the registration to use the same (if any), for purposes such as marketing, survey, or other business purposes relating to Prudential.
    
   
6. IMPORTANT NOTES:
   This tool is for reference purposes only. You are advised to refer to the Prudential Product Disclosure Sheet and Sales Illustration before purchasing a plan, and to refer to the terms and conditions in the policy document for details of the important features of the plan.
    
   You should assess the affordability and suitability of the product (including optional benefits) in relation to your financial goals and risk appetite. To achieve this, we recommend that you speak to your agent or Wealth Planner who will perform a needs analysis and assist you in making an informed decision.