Welcome to our website! Please read the following terms and conditions carefully. When accessing this website, you shall agree to be bound by the followings terms and conditions. If you do not agree to the terms and conditions below, please do not access this website, or any pages thereof. 

Copyright : All Rights Reserved

Unless indicated otherwise, all materials and contents found on this website is owned by PT. FWD Life Indonesia (hereinafter referred to as "the Company").


Trademarks, logos, brand, and service marks displayed on this website are protected or registered and anyone who access are prohibited to use it without prior written consent from the Company or owners of the respective trademarks, logos and service marks. Improper use of the trademarks, logos, and brand may give rise to legal action.

The information and materials including but not limited to text, image, picture, video, audio, database and software on this website are protected by copyright and no one is permitted neither to modify, reproduce, store, transmit, copy, distribute, publish nor use for developing different material or use it for commercial or public purposes without prior written consent from the Company. 

Use of Information

Information and materials contained on this website are subject to change.

Any products or services referred on this website are legally offered only in jurisdiction of the Company or where they may be lawfully offered. Person accessing this website who located in other jurisdictions are required to observe any relevant restrictions that may restrict the use of such materials.

Any part of this website should not be regarded as solicitation to sell any products or services to a person who legally prohibited to receive such an invitation or solicitation in such jurisdiction. 

Any person who accessing this website are advised to obtain appropriate professional advice based on their own needs for any particular product or service contained in these pages.

No Warranty

The information and materials on this website, including text, graphics, image, video, audio, links or other items are provided "as is". The accuracy, adequacy or completeness of those are not guaranteed by the Company. Any errors or omissions in this information and materials are not the responsibility of the Company. No warranty of any kind, implied, express or statutory, including the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

Limitation of Liability

The Company will not be liable for any damages, including direct or indirect, incidental or purpose damages, losses or costs arising due to abuse or inability to use by any parties, or due to any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if with or without prior notification to the Company, or representatives. Your using of hyperlinks to other Internet resources is at your own risk; accuracy of content, opinions, and other links provided are not investigated, identified, verified, or monitored by the Company.

Submission of Information

Any information submitted via this website shall be deemed and remain as the Company’s property and the Company shall be free to use, for any purposes, opinions, concepts, know-how or techniques of the information provided through this website. The Company shall not be liable for confidentiality issues regarding submitted information unless specifically agreed or required by law.

Internet Communications

Absolute security and confidentiality of messages sent over the Internet cannot be guaranteed. The Company shall not be liable for any damages incurred by users if they send a message to over the Internet (to or from the Company upon user’s request). The Company shall not be responsible for any direct, indirect, special or consequential damages arising of the use of this website.

Internet communications may be delayed, interrupted, blackout, or incorrectly sent due to Internet traffic or incorrect data transmission because of the public nature of the Internet or other reasons.