Terms and conditions

1. Fi Life Sdn Bhd (“Fi Life”) reserves the right to approve or disapprove Applicants to be part of the Affiliate Programme for whatever reason it deems fit..
2. Upon conditional acceptance into the Affiliate Programme, Applicants will be asked for their bank and bank account details, where all Affiliate Fees will be deposited. Once all details have been furnished, the Applicant will be accepted into the Affiliate Programme. Applicants who have been accepted into the Affiliate Programme are called Affiliates.
3. A policy is deemed to be referred by an Affiliate when the Affiliate’s unique promo code is applied at the point of purchase of the policy.
4. For each policy referred, the Affiliate will earn an Affiliate Fee dependent on the affiliate fee table in force at the time of purchase of the relevant policy. Refer to Appendix 1: Affiliate Fee Table below.
5. Affiliate Fees are earned at the same schedule as the customer’s premium payment method. For example:
   1. If the policy is paid monthly, then the Affiliate will earn an Affiliate Fee on each monthly payment on the 1st, 2nd, 3rd, 4th, 5th, 6th, 7th, 8th, 9th, 10th, 11th and 12th month.
   2. If the policy is paid quarterly, then the Affiliate will earn an Affiliate Fee on each quarterly payment on the 1st, 4th, 7th and 10th month.
   3. If the policy is paid half-yearly, then the Affiliate will earn an Affiliate Fee on each half-yearly payment on the 1st and 7th month.
   4. If the policy is paid annually, then the Affiliate will earn an Affiliate Fee on the annual payment in the 1st month.
6. Affiliate Fees will not be paid if:
   1. No premiums are collected from the customer.
   2. The customer fails to make her scheduled premium payment and the policy lapses.
   3. The customer exercises the free-look option within the first 15 days of the policy and cancels the policy.
   4. The policy, for whatever reason, lapses.
   5. The policy is cancelled by Tokio Marine Life Insurance Malaysia Bhd (“TMLIM”).
7. In addition, in the event Affiliate Fees were paid out and later deemed to be incorrect, Fi Life reserves the right to offset the relevant amount against future Affiliate Fees, or to demand the repayment of such incorrect amounts.
8. An Affiliate Fees report will be sent to each Affiliate if they have Affiliate Fees payable within 30 calendar days of the end of each calendar month.
9. Payment of the Affiliate Fees will be paid to each Affiliate within 30 calendar days of the end of each calendar month, or 15 calendar days after the Affiliate Fees report is sent (whichever later).
10. Affiliate Fees will be paid via Electronic Bank Transfer, and the responsibility of providing the accurate bank information relating to the recipient bank account details falls on the Affiliate. Fi Life will not reimburse any Affiliate Fees deposited into the wrong account should this action be executed based on the information given by the Affiliate.
11. Affiliates are strictly not allowed to be involved in any unsolicited financial advice or salesmanship in providing information about Fi Life products.
12. Affiliates MUST NOT use information from referrals for any other purpose besides referring new customers to Fi Life. Any unauthorised sharing or repurposing of customer information will automatically invoke immediate suspension and/or termination from the Affiliate Programme, and all unpaid Affiliate fees will be forfeited.
13. Affiliates are strictly not allowed to fill in the Fi Life application form on the website on behalf of the customer.
14. Fi Life reserves the right to withhold any Affiliate Fees due to Affiliates should there be suspicion of breach of terms and conditions, until the conclusion of an investigation.
15. Affiliates MUST NOT misrepresent Fi Life or TMLIM and are strictly not allowed to present themselves as representatives, agents, employees or otherwise assume the identity of Fi Life and/or TMLIM.
16. Affiliates are only allowed to use authorised Fi Life marketing materials listed on https://fi.life//affiliate, including Fi Life logos and brand identity therein (“Authorised Marketing Materials”) l on their own channels (e.g. website and social media platforms). Affiliates are strictly not allowed to use marketing materials, logos and brand identity other than the Authorised Marketing Materials, unless written permission has been granted by Fi Life. To request for permission, please write to affiliate@fi.life.
17. Fi Life reserves the right to:
    1. Change the terms and conditions at any time, including the Affiliate Fees payout amount. Where possible, Affiliates will be given advance notice of any such changes.
    2. Terminate Affiliates immediately and withhold all Affiliate Fees due should it suspect Fraud, Misrepresentation or Breach of contract.
    3. Terminate the Affiliate Programme at any time as it deems fit without need to furnish any information or notice to Affiliates beforehand.
APPENDIX 1: Affiliate Fee Table

(You can click on the table to view the full version)