1. The Programme
    FWD MAX (the "Programme") is offered by FWD Life Insurance Company (Bermuda) Limited ("FWD") to members of the public for their use of the services provided by the Programme.
    Upon registration in the Programme, you acknowledge and agree to be bound by these Terms & Conditions ("Terms & Conditions"), which may be amended by FWD from time to time at its sole discretion.
  2. Membership Enrolment/Registration
    1. The Programme is open to members of the public who meet the requirements by registering at fwdmax.fwd.com.hk (the “Site”) or through Facebook (“Member”). Membership is granted based on the sole discretion of FWD and FWD may refuse the registration.
    2. To qualify as a Member, you must be at least 18 years old and must provide your first name, your family name, a valid email address and mobile number (Hong Kong/Macau/China only) for the registration of the FWD MAX Account. Each Member can only have one FWD MAX account.
    3. Member should ensure that the information provided is accurate, current and complete and to update such information if necessary.
  3. FWD MAX Account
    1. A FWD MAX Account and profile page will be created based on your information provided.
    2. FWD reserves the right to suspend or terminate your FWD MAX Account if you have more than one FWD MAX Account, or any information provided is in violation of these Terms & Conditions.
    3. Upon registration, you need to create your own password for your FWD MAX Account. Please note that you are entirely responsible if you do not maintain the confidentiality of your password and that any person to whom you disclose your login name or password to is authorized to act as your agent for the purposes of using the Programme.
  4. Connecting Your FWD MAX Account with Facebook
    1. For easier login and greater convenience, you may connect the Programme to Facebook when you register or after you have registered for the Programme. In doing so, you agree to disclose and authorize Facebook to disclose your Facebook information to the Programme and/or grant the Programme access to your Facebook account without any breach by you of any of the terms that govern your use of Facebook, and without obligating FWD to pay any fees or making FWD subject to any usage limitations imposed by third-party service providers.
    2. By granting the Programme access to Facebook, you understand that the Programme will access, make available and store (if applicable) any content that you have provided to and stored in your Facebook account so that it is available on and through the Site via your FWD MAX Account.
    3. You can disable the connection between your FWD MAX Account and your Facebook account, at any time, by updating your settings options through “Your Profile” in the Site.
  5. Services
    1. Points and Earning Points
      1. You can earn MAX points (“Points”) by completing certain activities at the Site, including, but not limited to, registering for the Programme, connecting your FWD MAX Account with Facebook, rating content, sharing content, uploading your own experiences, liking other Members’ experiences and referring friends to join the Programme. FWD has the sole right to modify, without notice, the mechanism of Points earning. Please refer to the Earning Guide on the Site for further details.
      2. The Points you earn or accrue are personal to you and are not transferable or assignable in any circumstances.
      3. The Points have no monetary value and are not redeemable for cash in any circumstances.
    2. Rewards Redemption
      1. You may use your Points to redeem vouchers, goods or services, event entry and other items as specified by FWD from time to time (“Reward(s)”). FWD reserves the right at its sole discretion to accept or refuse your redemption of the Rewards without having to provide any reasons.
      2. If your redemption request is accepted by FWD, the required Points for the Reward will be deducted from your FWD MAX Account. Requests will be cancelled automatically if the Points you have are insufficient for the redemption.
      3. All Rewards are subject to availability and restrictions may apply as to where and when the Rewards may be redeemed. FWD reserves the right, at its sole discretion, to discontinue a Reward or to substitute a similar Reward of equal value at any time without prior notice.
      4. Rewards in the form of physical goods or services must be collected or used at the shops of the merchants or suppliers responsible for the supply of such goods or services (“Merchants”).
      5. Rewards must be collected on or before the date specified in the redemption notification issued by FWD. Failure to collect the Reward on or before the specified date for any reason will result in the automatic forfeiture of the Reward and Points used in the redemption of the Reward will not be credited back to your FWD MAX Account. This also applies if the redemption notification was undeliverable for any reason attributable to you (e.g. not supplying an updated email address or providing an incorrect delivery address).
      6. Rewards cannot be exchanged for cash, and requests for redeeming Rewards submitted by Member cannot be revoked or cancelled.
      7. FWD shall not be responsible for any claims, losses, costs, expenses or damages of whatever nature resulting from the redemption or use of Rewards, including those issued or supplied by Merchants. All queries (including product warranties) regarding the Rewards redeemed shall be raised with the relevant Merchant directly. Any dispute concerning the Rewards (quality or otherwise) shall be settled between you and the relevant Merchant. FWD shall not be liable for any product warranty or quality issues.
    3. Points Validity and Expiration
      1. Points are valid for a period of one year from the date they are earned or accrued. Points that are not redeemed before the expiration date will be forfeited and will be removed from your FWD MAX Account.
      2. FWD is not required to notify you of the expiration date and/or the number of Points due to expire, and reserves the right to forfeit your Points at any time and without notice.
      3. Suspected or actual fraud/abuse relating to Points accrual or redemption of Rewards may result in immediate forfeiture of all accumulated Points as well as termination of membership.
      4. FWD shall not be liable in any situation resulting in the loss of database, information or Members’ Points. All decisions made by FWD on any disputes regarding the eligibility for the Programme, Points accrual or redemption of Rewards shall be final and binding.
  6. The Site
    1. You use the Site at your own risk and you are solely responsible and liable for any damage or loss to you or any other party resulting from your use of the Site.
    2. The information and materials contained in the Site, including text, graphics, links, videos, audio clips, photographs or other items are provided on an "as is" or "as available" basis. We do not warrant the accuracy, adequacy or completeness of these information and materials and expressly disclaim any liability for errors or omissions in this information and materials. No warranty of any kind, whether implied, express or statutory, including the warranties of non-infringement of third party rights, title, and freedom from computer virus, is given in conjunction with these information and materials.
    1. Sharing and Use of Member Content
      1. You may share your passions by posting contents (“Member Content”) on the Site in the form of images, videos, texts or as specified at the time. In respect of the Member Content, you grant FWD a non-exclusive, royalty-free, perpetual, transferable, irrevocable and fully sub-licensable right to: (a) use, reproduce, modify, translate, and create derivative works from and publicly display such submissions in any media for any purpose; and (b) use the name that you submit in connection with such submission.
      2. Member Content is subject to FWD’s review and approval and must be non-confidential and non-proprietary, and you agree not to post, upload to, transmit, distribute, store, create or otherwise publish through the Site any of the following:
        1. Any message, data, information, music, sound, photos, graphics or any other material that is unlawful, libellous, defamatory, obscene, pornographic, indecent, lewd, harassing, threatening, invasive of privacy, abusive, inflammatory, fraudulent or otherwise objectionable;
        2. Material that would constitute or encourage a civil or criminal offence, violate the rights of any party, or that would otherwise create liability or violate any local or international law, including any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party;
        3. Material that impersonates any person or entity or otherwise misrepresents your affiliation with a person or entity, including FWD;
        4. Private information of any third party, including, without limitation, names, addresses, phone numbers, email addresses and credit card numbers;
        5. Unsolicited promotions, political campaigning, advertising, contests, raffles, or solicitations;
        6. Viruses, corrupted data or other harmful, disruptive or destructive files; or
        7. Material or links to content that, in the sole judgment of FWD, violates, restricts or inhibits any other person from using or enjoying the Interactive Areas or the Site or which may expose FWD or other persons to harm or any liability.
      3. FWD may choose to provide attribution for your submission at its discretion. You further grant FWD the right to pursue at law any person or entity that violates your or FWD's rights in the submissions by breach of these Terms & Conditions.
      4. FWD takes no responsibility and assumes no liability for any submission posted, stored or uploaded by you or any third party, or for any resulting loss or damage, nor is FWD liable for any mistakes, defamation, slander, libel, omissions, falsehoods, obscenity, pornography or profanity you may encounter.
      5. FWD reserves the right to remove, translate or edit without notice any submission at any time and for any reason, or to have such actions performed by third parties on its behalf, and you are solely responsible for creating backup copies of and replacing any submission you post at your sole cost.
  7. Suspension or Termination of Membership
    1. You may terminate your membership at any time by providing notification to FWD, at which time any Points you have accrued will be cancelled and without refund in any form.
    2. If, in FWD’s sole opinion, you have abused the Programme, failed to comply with any of these Terms & Conditions or makes any misrepresentation to FWD or use it for illegal or unauthorized purpose, FWD shall be entitled to suspend or terminate your membership and/or revoke all the Points that you have earned/accrued.
    3. In the case of duplication of membership, all your FWD MAX Accounts will be suspended or terminated and all Points and/or Rewards (as applicable) may be cancelled. For the avoidance of doubt, Members who use their names in other languages to create multiple memberships will also be subject to membership suspension or termination.
    4. Suspension or termination of membership for whatever reason shall be without prejudice to the accrued rights and remedies of FWD, merchants and the Member as at the date of suspension or termination.
  8. Indemnity and release
    1. You agree to indemnify FWD, its related companies and any holding companies from and against any liability, loss, damage, cost or expenses of any kind whatsoever, arising directly or indirectly as a result of your use of the Site or in connection with your non-compliance with these Terms and Conditions.
    2. You will release FWD, its related companies or any holding companies from any and all liability to you in relation to your use of the Site, including but not limited to any loss of data or purging of data.
  9. Copyright
    1. Unless otherwise stated, the trademarks, logos of FWD and the copyright in all materials contained on, in or available through the Site including all information data, text, music, sound, photographs, graphics, video messages and all source code, software compilations and other materials (“Materials”) are owned by FWD or its affiliated companies or group companies.
    2. Except those contents which the Members are allowed by FWD to share with others on Facebook or other social media platform, you are not allowed to copy, edit, vary, reproduce, publish, display, distribute, store or disseminate FWD’s trademarks or logos or any of the Materials in any form or use FWD’s trademarks or logos or the Materials without FWD’s written consent.
  10. General
    1. FWD reserves the right to suspend or terminate the Programme or revise these Terms & Conditions at any time without notice.
    2. FWD’s failure to enforce a particular term does not constitute a waiver of that term by FWD.
    3. These Terms & Conditions are governed by and construed in accordance with the laws of the HKSAR.
    4. In case of any discrepancies between the Chinese and English versions, the English version shall prevail.