Terms & Conditions
Client Charter & Privacy Policy
Internet Insurance Terms & Conditions
Client Charter & Privacy Policy


At GEGM, we are strongly committed to protecting the security and confidentiality of your personal or private information. For this purpose we have put into place strong security measures to prevent unauthorised access which could result in the alteration, destruction, theft of data or compromise the confidentiality of our Agent's data. Our site utilises commercially proven security hardware and software products in our system, network and application infrastructure. These security products include routers, firewalls and a secure operating system.

Industry standard 128-bit SSL (secure socket layer) communication protocol is the de facto cryptographic standard that is used for securing data communication between the browser and GEGM systems. It is used for ensuring transaction privacy, message integrity and server-side authentication using digital certificate technology. Over and above SSL, all passwords are encrypted end-to-end from the browser to GEGM systems.

At GEGM, all connections must pass through at least one router and one firewall to gain connectivity to the server. The firewall checks for the appropriate source address, and is able to restrict the traffic to the appropriate server.

Additional technical security features include Verisign digital certificates, 128-bit encryption; and Automatic logoff after a pre-set time period.

Please note that you play a part in system security as well: Although we exercise every effort to provide a variety of safe, secure and reliable system, we do not have control over the computer, computer software, systems and other incidentals used by you to access the system and further transmission over the Internet cannot be guaranteed, warranted or represented to be absolutely secure.

You should not share your user ID or password with any other person; you should never display your account information in an area visible to others; and your PC should never be left unattended.


At GEGM, we respect every individual's right to privacy. Our relationship with you is our most valuable asset and is the very basis of our name and reputation. Whether you are an GEGM Agent, a registered user or a visitor to the public area of our Website, we understand the importance you place on the privacy and security of information that personally identifies you or your account information. We refer to and treat this information as "personal information". We extend the following privacy policy to you.

GEGM Privacy Policy

Information GEGM Collects and How the Information is Used

When you register at GEGM, we ask you for your personal particulars such as your contact details. Apart from your contact details, the information that we collect from you may also extend to your financial and insurance information, which may include amongst others your income, creditworthiness assets and liabilities depending on what products and services you apply for and subscribe to. This information enables us to deliver personalised services and communicate separately with you. Though you may refuse to provide us with any such information for any reason whatsoever, your refusal may result in your not being able to make full use of our products and services and as such we cannot be liable for any losses resulting therefrom. Whenever we collect personal information from you, we will reference this policy or otherwise explain to you how we intend to use that information. We use personal information in ways that are compatible with the purposes for which we originally requested it. For example, we will use the information you give us to process your requests and transactions, to provide you with additional information about products and services, or to evaluate your financial needs. To do so, we may share personal information with an agent or affiliate so that they may do the same and they may pass information held by them about you to us so that we may do the same. We limit the collection and use of personal information to what is necessary to administer our business and to deliver superior service to you. This may include advising you about our products or services, those of our affiliates, and other opportunities that we believe may interest you.

To serve you better, we may combine information you give us on the Web or through other channels. We also use aggregated information about the use of our services to evaluate our users' preferences, improve our services, and facilitate our reporting of Internet usage. Like most websites, we use small bits of data called cookies stored on users' computers to simulate a continuous connection. Cookies let us "remember" information about your preferences and allow you to move within our service without reintroducing yourself. If we collect information from you, it is held securely and in the strictest confidence. For example, if you submit your email address to GEGM so you can receive the latest information about our promotions, products and services, we hold your email address on a secure server and we use it for no purpose other than sending you the information requested unless you have agreed to the receipt of marketing materials.

Security Procedures in Place to Protect the Information

We are strongly committed to protecting the security of your personal or private information. To this end, we have in place the required control systems to ensure security and confidentiality of our Agent's information at all times. These security standards and procedures shall be maintained notwithstanding that the GEGM - Agent relationship may have been terminated or otherwise ended. For further information on our security measures, please see our statement on Security Policy and Features.

We also maintain stringent procedures authorising only such employees as are strictly relevant or required to access your information on a need-to-know basis. Our employees have been educated and have personally undertaken to observe/act in accordance to your right to privacy and confidentiality. Any breach by the employee of our corporate policies would be viewed seriously and subject the employee to such disciplinary action as we may consider appropriate.

Sharing of Information

We will only share personal information with others as stated in this policy, unless we give you additional notice or ask for your permission or have been previously authorised by you. We do reserve the right to disclose or report personal information in limited circumstances where we believe in good faith that disclosure is required under any law or regulation, to cooperate with regulators, law enforcement authorities or any other authority having jurisdiction over us, to give effect to or complete any instructions or transactions given or made by you, to perform necessary credit checks or collect or report debts owed to us or to enforce and protect our rights or property.

We will protect the confidentiality of any personal information you share with us. When we share personal information with an agent or affiliate, we protect that personal information with a strict confidentiality agreement. Companies that we hire to provide support services or act as our agent must conform to our privacy standards. On occasion we may assist a company that is not affiliated with GEGM in providing or offering a product or service to you. In such circumstances, marketing materials on the website will include instructions on how you can request not to receive those communications in the future. In all cases your personal information is protected by a strict confidentiality agreement. We do not allow any non-affiliated company to retain your personal information longer than necessary to provide the product, service, or information, unless you affirmatively grant us permission to do so.

Accuracy of Information

We will attempt to keep Agent files complete, accurate and up-to-date. If you have any reason to believe that your records with us are inaccurate, incomplete or not updated, please write in to us, upon which we will promptly rectify. Alternatively, you can call us at +603 4259 7888 or access the "Contact Us" button on our website.

Agent Complaints

You may address any queries, concerns or complaints relating to handling of your personal information by accessing the "Contact Us" button on our website.


At GEGM, we are committed at all times towards providing reliable and quality services to our Agents. We will ensure that all personnel and staff involved in providing these services have the necessary expertise and skills. We shall only offer services and products that are tailored to your needs. We shall achieve this by fully understanding your goals and objectives while ensuring service standards that are consistent and efficient.


We will use our reasonable endeavours to ensure that our descriptions and details of products and services offered online by us are clear and true. We will be happy to receive any feedback from you on your opinions and comments on our products and services and will give all due consideration to your opinions and comments. Portrayal of our products and services online is designed to be clear and easily understood, however, in the event you are in any way unsure, unclear or require more details on the product or service concerned, you may contact us at +603 4259 7888 or give us your suggestion by accessing the "Contact Us" button on our website.

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