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    Terms of Use
    By accessing and/or using these web pages of G&M Pte Ltd., (hereinafter referred to as G&M), at the URL/domain name gnm.com.sg (“website”), you, as a user of this website, hereby accept and agree to abide by our Terms of Use.
    
    If you do not agree, please discontinue your use of our website.
    
    INTRODUCTION
    This website is operated by G&M, a company incorporated in the Republic of Singapore and having its registered address at 8 Shenton Way #44-01A AXA Tower, Singapore 068811 (hereinafter referred to as G&M).
    
    COPYRIGHT / INTELLECTUAL PROPERTY
    Users of this website may download or print one copy of any and all materials on the site for personal, non-commercial use, provided that they do not modify or alter the materials in any way, nor delete or change any copyright or trademark notice. All material on this site is provided for lawful purposes only. None of the information on this site may be copied, distributed or transmitted in any way for commercial use without the express written consent of G&M.
    
    G&M reserves full ownership of and intellectual property rights in any materials downloaded from this website.
    
    INFORMATION SUBMITTED TO G&M
    G&M does not wish to receive confidential or proprietary information from you through our website. Please note that any information or materials sent to G&M will be deemed NOT confidential. By sending G&M any information or materials, you grant G&M an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute those materials or information, and you also agree that G&M is free to use any ideas, concepts, know-how or techniques that you send us for any purpose.
    
    LIABILITY AND DISCLAIMER
    ALL INFORMATION (INCLUDING, WITHOUT LIMITATION TO, TEXT, IMAGES, GRAPHICS, LINKS, AND OTHER MATERIALS) ON THIS WEBSITE IS PROVIDED “AS IS” AND “AS AVAILABLE”. G&M AND ITS SUBSIDIARIES, AFFILIATES, PARTNERS, LICENSORS AND SUPPLIERS HEREBY EXPRESSLY DISCLAIM TO EXTENT PERMITTED BY LAW ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, NON-INFRINGEMENT, OR AS TO THE OPERATION OF THIS WEBSITE, THE CONTENT OR USER CONTENT. Information on this website may contain technical inaccuracies or typographical errors. Information may be changed or updated without notice. G&M may also make improvements and/or changes in the products and/or programs described in this information at any time without notice.
    
    G&M and its subsidiaries, affiliates, partners, licensors and suppliers shall have no liability for interruptions or omissions in Internet, network or hosting services and do not warrant that the website or the services which make this website available, or electronic communications sent by G&M are free from viruses or any other harmful elements. Any material downloaded or otherwise obtained through the use of this website is done at your own discretion and risk. You will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material.
    
    G&M does not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed through website. You acknowledge that any reliance on any such opinion, advice, statement, memorandum, or information shall be at your sole risk. G&M reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the website. G&M may make any other changes to the website, the materials and the products, programs, services or prices (if any) described in the website, at any time without notice.
    
    LINKS
    The links in this website may let you leave G&M’s website. The linked sites are not under the control of G&M and G&M shall not be responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. That G&M is included / linked in any site, does not imply endorsement by G&M of the said site.
    
    DATA PROTECTION
    In addition to these Terms of Use, and any other terms (implied or otherwise), this website is also governed by the website’s Privacy Policy, which sets out the terms that specifically govern the use of your personal data. The most recent version of this website’s Privacy Policy can be found by following the “Privacy Policy” link below.
    
    GENERAL
    You agree that G&M may sub-contract the performance of any of its obligations or may assign these Terms of Use, or any of its rights or obligations without giving you notice.
    
    These Terms of Use and the documents referred to herein form the entire understanding between you and G&M concerning your use of the website.
    These Terms of Use shall be governed by and construed in accordance with the laws of Republic of Singapore. You agree to the non-exclusive jurisdiction of the courts in Singapore for any disputes, claim or cause of action arising out of, or relating to or in connection with these Terms of Use or your use of this website, including any disputes relating to the existence or validity of these Terms of Use, provided that you agree to submit any such disputes, claims or causes of action exclusively to the courts of the Republic of Singapore.
    
    If any part of these Terms of Use is determined to be legally invalid or unenforceable, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms of Use shall continue in effect.
    
    No failure on the part of G&M to enforce any part of these Terms of Use shall constitute a waiver of any of G&M’ rights under these Terms of Use, whether for past or future actions on the part of any person. Reliance of any person on G&M’s actions shall not be deemed to constitute a waiver of any part of these Terms of Use. Only a specific, written waiver signed by an authorised representative of G&M shall have any such legal effect of waiver whatsoever.
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    Privacy Policy
    This website is operated by G&M Pte Ltd., a company incorporated in the Republic of Singapore and having its registered address at 8 Shenton Way #13-03 AXA Tower, Singapore 068811 (hereinafter referred to as G&M).
    G&M is committed to protecting the privacy of all visitors to our website, and as part of our commitment to privacy, we make this privacy statement. The extent of the information that we collect depends on the information you provide us. Please read the following privacy policy to understand how we use and protect the information you provide us.
    
    Our Privacy Principles
    •	We do not sell customer information.
    •	We do not permit those who are doing business on our behalf to use our customer information for their own purposes.
    •	We contractually require any person or organization providing products or services on our behalf to protect G&M customer information.
    •	We do not share customer information with anyone within or outside G&M unless:
    o	You expressly authorize it; or
    o	It is permitted or required by law; or
    o	Your insurance policy contract with us permits us to do so.
    •	We provide our prospective and former customers the same protection as existing customers pertaining the use of personally identifiable information.
    
    Information We Obtain From You
    Types of information we collect and how we gather it may include:
    •	From your applications and other forms related to our products and through your conversations with G&M representatives or agents
    •	When you interact with our website at gnm.com.sg, our mobile site and applications, our social media sites and applications or your interactions with our online advertisement
    •	From your transactions or experiences with us, such as payments, underwriting, and claims
    
    How We Use Information About You
    We use customer information, sometimes including consumer report information, for the following purposes:
    •	Underwrite and rate your policies or accounts
    •	Process your claims
    •	Protect against fraudulent and unauthorized transactions
    •	Provide billing
    •	Service your policies and accounts
    •	Enhance your customer experience
    •	Offer you other insurance or financial services products that may suit you
    •	Contact you for your views on our products, services and for marketing purposes
    
    We Protect Customer Information
    We maintain physical, electronic, and procedural safeguards to protect nonpublic personal information and to comply with associated laws. In addition, we regularly review our policies and practices, monitor our networks, and test the strength of our security.
    
    Information for Internet, Mobile, and Social Media Users
    G&M may use common tracking technologies like browser cookies, analytical tools, or other technologies to customize our websites, mobile applications, and social media interactions to enhance your overall customer experience. Our mobile and social media applications may also collect non-personally identifiable demographic information (such as age, sex, and location) about the users of each application.
    Occasionally, our website may contain electronic links to other websites. In case you choose to visit these websites, their own terms of use, privacy policy and privacy preferences will apply. G&M shall not be held responsible for any issues / incidents arising from the use of such websites.
    
    CHANGES TO OUR PRIVACY POLICY
    Any changes to our privacy policy in the future will be posted to this website and, where appropriate, through e-mail notification.