Welcome to our site! Please read the following terms and conditions carefully. When accessing this site, you agree to be bound by the following terms and conditions. If you do not agree with these terms and conditions, please do not access this site.
Unless otherwise noted, all materials and contents of this site is owned by FWD Takaful Berhad or its affiliates (hereinafter referred to as “FWD”).


These terms and conditions are governed by the laws of Malaysia and any dispute shall be subject to the exclusive jurisdiction of the courts of Malaysia.

Use of Information and Materials

Products and services referred to in this site are only offered in the jurisdiction where and when they may be lawfully offered by FWD. The materials on these pages are not intended for use by persons located in or resident in jurisdictions that restrict the distribution of such materials by us. Persons accessing these pages are required to observe any relevant restrictions.

These pages should not be regarded as an offer or solicitation to market any products or services in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdiction.

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

All information submitted to FWD via this site shall be deemed and remain the property of FWD, and FWD shall be free to use, for any purposes, any ideas, concepts, know-how or techniques contained in information provided by a visitor to FWD through this website. FWD shall not be subject to any obligations of confidentiality regarding submitted information except as agreed with FWD having a direct customer relationship or as otherwise specifically agreed or required by law.


There are links to third party websites which are not controlled by FWD. FWD shall not be deemed to guarantee or endorse the content on third party websites, and shall not be in any way responsible for the content on these websites. FWD shall also not be liable for any damages or losses incurred or suffered by you, arising out of or in connection with your use of third party websites.

Intellectual Property

Unless otherwise stated, copyright of all materials and contents found on this site is owned by FWD. No part of such materials and contents can be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without FWD’s prior written consent.

All trade marks, logos and service marks displayed on this website are protected and users are prohibited from using the same without written permission of FWD or the owners of the relevant trade marks, logos and service marks, as the case may be.


Users of the site are informed that when they access this site, information may be temporarily stored in memory or on their hard disk, which is known as “cookies”, in order to optimise and customise navigation on the site. It is possible for any user to configure the preferences of his browser to refuse cookies. Most web browsers are initially set up to accept cookies. Nonetheless, you can choose to ‘not accept’ such cookies by changing the settings on your web browser. Please note that if you block all cookies, including strictly necessary cookies, certain functions of the site may not be accessible or some features may not work properly.

No Warranty

The information and materials contained in this site, including text, graphics, links or other items are provided "as is", "as available". FWD does not warrant the accuracy, adequacy or completeness of these information and materials, and expressly disclaims liability for errors or omissions in this information and materials. 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

In no event will FWD be liable for any damages, including direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof or inability to use by any parties, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if FWD, or representatives thereof, are advised of the possibility of such damages, losses or expenses.


FWD reserves the right to add to, modify or remove, without prior warning or notice, any information or material contained on this site, including any of the provisions of these Terms and Conditions at any time.

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