The following terms and conditions of service govern your access to and use of the OnGuard non-insurance benefits. To view the OnGuard Insurance Terms and Conditions, please click here.
“You”, “Customer” and “Your” refer to the individual who enrolled in OnGuard, as indicated on Your Welcome Letter.
“We”, “Us” and “Our” refer to Sigma Loyalty Group Inc.
OnGuard non-insurance benefits are provided by Sigma unless otherwise indicated in these Terms and Conditions.
Your enrollment is effective as of the enrolment date indicated on Your welcome letter. You are eligible to receive the Non-Insurance benefits as long as Your enrollment remains current. Eligibility for the benefits also requires You to be an active OnGuard Customer at the time the applicable event occurs.
Information Provided by YouYou agree that all information provided by You to Us or Our service providers will be used to provide Your benefits, in accordance with Our Privacy Policy. We may verify Your identity using security questions. You declare and warrant that You have all necessary rights to submit any information provided in the course of receiving the benefits and that any submitted information or materials do not infringe the rights of third parties.
Mobile Phone & Information ProtectionThe Rebound Mobile Security application and related web console (“Vault”) are operated by Yougetitback Limited (YGIB) for Sigma. YGIB are the owners of all intellectual property rights in the web console and the application. You may only use the web console and application for lawful purposes. YGIB reserves the right to withdraw, amend or restrict Your access to the service and software. If You are under the age of 18 You may only obtain the software and services offered under the supervision of Your parents or guardian. Persons under the age of 13 are prohibited from using the application and web console. This paragraph does not contain all of the YGIB terms of use. You are responsible for carefully reading the full YGIB Terms and Conditions.
The Rebound Mobile Security app must be activated on the OnGuard website and installed on Your Android, iOS, BlackBerry, Symbian or Windows supported Smartphone. Supported features vary by phone types and platforms. You may access the Rebound Mobile Security Vault through the OnGuard website to manage Your app.
To be eligible for Emergency Cash Advance, Emergency Hotel Bill Payment and Emergency Airline Ticket Replacement, You must be stranded at least 160 KM from home and have reported Your card loss or theft to OnGuard within 24 hours of Your request for emergency assistance. The amount of funds will be charged to the payment account to which your OnGuard enrollment fee is charged, provided the amount does not exceed the available credit limit on Your card, and Your card and OnGuard enrollment are in good standing. The charges incurred will be provided as a cash advance and shall be repaid on Your credit card within 30 days of the initial wire transfer.
GeneralAll dollar amounts provided in the Terms and Conditions, Benefit Guide, Welcome Letter or on the OnGuard website are in Thai Baht (THB).
We reserve the right to modify these Terms and Conditions from time to time in accordance with applicable laws. We also reserve the right to modify the Non-Insurance benefits included in Your enrollment. This agreement and the supporting documentation contained in your Welcome Letter and Benefit Guide constitute Our entire Non-Insurance agreement with You. If there is any inconsistency between the supporting documentation and these Terms and Conditions, these Terms and Conditions will prevail.
All services provided as part of Your benefits are offered as is. We make no warranties or representations, either express or implied, and expressly disclaim any and all liability (including damages), in relation to the provision of the services. In addition, We do not represent or warrant that applicable call centres, websites or online resources will be available and meet Your requirements, that access will be uninterrupted, that there will be no delays, difficulties in use, defects, incompatibility, failures, errors, omissions or loss of transmitted information, that no viruses or other destructive code will be transmitted or that no damage will occur to Your computer system. You have sole responsibility for Your data and/or equipment protection and backup and for taking reasonable and appropriate precautions.
You agree to indemnify, save, defend and hold harmless Sigma, its parents, subsidiaries, affiliates, successors or assigns, and their directors, officers, employees, agents and representatives from and against any and all claims, costs, expenses, demands, damages, lawsuits, fines, penalties and liabilities, including, without limitation, interest, penalties, court costs, and attorneys’ fees to the extent resulting or arising from any breach of these Terms and Conditions including but not limited to Your fraudulent conduct or misuse of the benefits.
To the extent permitted by applicable law, unless We agree otherwise, any claim, dispute or controversy, whether in contract or tort, pursuant to statue or regulation, or otherwise, and whether pre-existing, present or future, arising out of or relating to these Terms and Conditions, the benefits, statements, promotions or advertisements relating to the benefits or these Terms and conditions will be determined by final and binding arbitration to the exclusion of the courts.
This agreement is governed by the laws of Thailand.
By paying Your enrollment fees, You are deemed to have read and accepted the Terms and Conditions of this Agreement as of the date Your payment is processed.
OnGuardTM and ReboundTM are trademarks of Sigma Loyalty Group Inc.
The following terms and conditions of service govern your access to and use of the OnGuard non-insurance benefits. To view the OnGuard Insurance Terms and Conditions, please click here.
“You”, “Customer” and “Your” refer to the individual who enrolled in OnGuard, as indicated on Your Welcome Letter.
“We”, “Us” and “Our” refer to Sigma Loyalty Group Inc.
OnGuard non-insurance benefits are provided by Sigma unless otherwise indicated in these Terms and Conditions.
Your enrollment is effective as of the enrolment date indicated on Your welcome letter. You are eligible to receive the Non-Insurance benefits as long as Your enrollment remains current. Eligibility for the benefits also requires You to be an active OnGuard Customer at the time the applicable event occurs.
Information Provided by YouYou agree that all information provided by You to Us or Our service providers will be used to provide Your benefits, in accordance with Our Privacy Policy. We may verify Your identity using security questions. You declare and warrant that You have all necessary rights to submit any information provided in the course of receiving the benefits and that any submitted information or materials do not infringe the rights of third parties.
Mobile Phone & Information ProtectionThe Rebound Mobile Security application and related web console (“Vault”) are operated by Yougetitback Limited (YGIB) for Sigma. YGIB are the owners of all intellectual property rights in the web console and the application. You may only use the web console and application for lawful purposes. YGIB reserves the right to withdraw, amend or restrict Your access to the service and software. If You are under the age of 18 You may only obtain the software and services offered under the supervision of Your parents or guardian. Persons under the age of 13 are prohibited from using the application and web console. This paragraph does not contain all of the YGIB terms of use. You are responsible for carefully reading the full YGIB Terms and Conditions.
The Rebound Mobile Security app must be activated on the OnGuard website and installed on Your Android, iOS, BlackBerry, Symbian or Windows supported Smartphone. Supported features vary by phone types and platforms. You may access the Rebound Mobile Security Vault through the OnGuard website to manage Your app.
To be eligible for Emergency Cash Advance, Emergency Hotel Bill Payment and Emergency Airline Ticket Replacement, You must be stranded at least 160 KM from home and have reported Your card loss or theft to OnGuard within 24 hours of Your request for emergency assistance. The amount of funds will be charged to the payment account to which your OnGuard enrollment fee is charged, provided the amount does not exceed the available credit limit on Your card, and Your card and OnGuard enrollment are in good standing. The charges incurred will be provided as a cash advance and shall be repaid on Your credit card within 30 days of the initial wire transfer.
GeneralAll dollar amounts provided in the Terms and Conditions, Benefit Guide, Welcome Letter or on the OnGuard website are in Thai Baht (THB).
We reserve the right to modify these Terms and Conditions from time to time in accordance with applicable laws. We also reserve the right to modify the Non-Insurance benefits included in Your enrollment. This agreement and the supporting documentation contained in your Welcome Letter and Benefit Guide constitute Our entire Non-Insurance agreement with You. If there is any inconsistency between the supporting documentation and these Terms and Conditions, these Terms and Conditions will prevail.
All services provided as part of Your benefits are offered as is. We make no warranties or representations, either express or implied, and expressly disclaim any and all liability (including damages), in relation to the provision of the services. In addition, We do not represent or warrant that applicable call centres, websites or online resources will be available and meet Your requirements, that access will be uninterrupted, that there will be no delays, difficulties in use, defects, incompatibility, failures, errors, omissions or loss of transmitted information, that no viruses or other destructive code will be transmitted or that no damage will occur to Your computer system. You have sole responsibility for Your data and/or equipment protection and backup and for taking reasonable and appropriate precautions.
You agree to indemnify, save, defend and hold harmless Sigma, its parents, subsidiaries, affiliates, successors or assigns, and their directors, officers, employees, agents and representatives from and against any and all claims, costs, expenses, demands, damages, lawsuits, fines, penalties and liabilities, including, without limitation, interest, penalties, court costs, and attorneys’ fees to the extent resulting or arising from any breach of these Terms and Conditions including but not limited to Your fraudulent conduct or misuse of the benefits.
To the extent permitted by applicable law, unless We agree otherwise, any claim, dispute or controversy, whether in contract or tort, pursuant to statue or regulation, or otherwise, and whether pre-existing, present or future, arising out of or relating to these Terms and Conditions, the benefits, statements, promotions or advertisements relating to the benefits or these Terms and conditions will be determined by final and binding arbitration to the exclusion of the courts.
This agreement is governed by the laws of Thailand.
By paying Your enrollment fees, You are deemed to have read and accepted the Terms and Conditions of this Agreement as of the date Your payment is processed.
OnGuardTM and ReboundTM are trademarks of Sigma Loyalty Group Inc.
Key Definitions
General Terms and Conditions
Payment of Premiums
The Company has made agreement with the Insured that immediate payment of the premium is required of the Insured, and coverage shall commence on the day that the insurance policy takes effect as specified in the insurance policy. The premium for this insurance policy can be paid on a monthly basis, whereby the payment shall fall due on the same date of each month.
Compensation
The Company shall pay compensation within 15 days from the day that the Company has received valid and complete evidence showing loss or damages. In cases of death, the Company shall pay the compensation to the beneficiary while compensation for other cases shall be paid to the Insured.
In cases of reasonable doubt where the request for the Company to pay the compensation under the aforementioned insurance policy fails to comply with the coverage provisions in the insurance policy, the defined period of time shall be extended as necessary. However, it shall not exceed 90 days from the date that the Company has received the documentation in full.
Should the Company fail to pay the compensation in full within the period of time as set forth above, the Company shall be liable for interest at the rate of 15% per annum of the amount due, calculated from the due date.
Cancellation of Insurance Policy
Right to Cancel Insurance Policy (Free Look) (only for telesales)
Should the Insured have the intention to cancel this insurance policy for any reason, the Insured shall return the insurance policy to the Company within 30 days from the date that the insurance policy was received from the Company. In this case, this insurance policy shall be deemed not to have taken effect from the onset of the insurance period as specified in the insurance policy, whereby the Company shall bear no liability for any losses or damages incurred under this insurance policy, and the Company shall return the premium in full to the Insured according to the method agreed to by the Insured and the Company.
In cases where the Insured has already exercised the right to make a compensation claim, the Insured shall not be entitled to cancel this insurance policy.
Coverage Agreements
Protection shall cover financial damages caused by fraudulent transactions due to lost or stolen financial cards, robbery and gang robbery, including the theft of card data and card counterfeiting. The Company shall pay compensation for the part outside the liability of the card-issuing financial institution according to damages actually incurred. However, this shall not exceed 15,000 baht per time and not exceed 30,000 baht in total per insurance policy year.
Regardless, the Insured is required to inform the card-issuing financial institution immediately in order to cancel the card as soon as the Insured is aware of the card loss, fraudulent transactions, theft of card data or card counterfeiting.
Exceptions
Documents Used in Compensation Claims for Financial Damages Incurred by Financial Card Use Due to Fraudulent Transactions, Lost or Stolen Cards
Coverage of the Insured’s financial losses from automated teller machines or cash payment machines, including expenses incurred in the issuance of replacement cards for lost cards and expenses incurred in the arrangement of documents issued by the government sector, i.e. national identification cards, driver’s licenses and passports, resulting from theft, robbery or gang robbery during or after the Insured used the financial card at the site of an automated teller machine or cash payment machine within 15 minutes from the time that the Insured used the services of the automatic teller machine or cash dispensing machine, whereby the Company will pay compensation as follows:
Exceptions
Documents Used in Compensation Claims for Monetary Losses Incurred by Financial Card Use Due to Theft
Exceptions
Documents Used in Compensation Claims for Cases Involving Accidental Death (Or. Bor. 1)
Documents Used in Compensation Claims in Cases Involving Permanent Disability, Loss of Organs or Eyesight
The Company will compensate for expenses deemed necessary and fitting incurred by necessary medical treatment in real costs paid without exceeding the insurance claims set forth in the insurance policy table. If the injuries incurred by the Insured require treatment by doctors or care by nurses within 52 weeks from the date of the accident, but the Insured receives compensation from government benefits, other benefits or other insurance policies, the Company will be responsible only for the remaining treatment and care costs not otherwise covered.
The Company will pay compensation by using foreign currency exchange rates according to the dates specified on the medical treatment fee receipts.
The Company will pay income compensation during hospitalisation in the claim amount per day for the number of days for which hospitals or medical facilities charged room fees at a maximum total of no more than 365 days per injury if the injuries sustained resulted in the Insured requiring in-patient treatment at hospitals or medical facilities meeting standard medical criteria.
In cases involving income compensation during hospital treatment overseas, the Company will pay income compensation during overseas hospitalisation by using foreign currency exchange rates according to the dates specified on the medical treatment fee receipts.
Exceptions
Documents Used in Income Compensation Claims While Hospitalised
Documents Appended to Extend Protection for Personal Accident Protection Insurance Agreements
Protection for benefits from death, loss of organs, eyesight or permanent disability caused by use of financial cards may be extended by the Company by paying additional benefits at double the claim amount set forth in the insurance policy tables if the aforementioned losses or damages occur as a result of theft, robbery or gang robbery while the Insured was using financial cards at automated teller machine or cash dispensing machine installation sites or 15 minutes after the Insured began using automated teller machine or cash dispensing machine services.
Documents Used in Compensation Claims in Cases Involving Death, Loss of Organs, Eyesight or Permanent Disability Caused by Financial Card Use
Protection for treatment benefits incurred by accidents incurred in the use of financial cards may be extended by the Company by paying additional benefits at double the claim amount set forth in the insurance policy tables if the aforementioned losses or damages occur as a result of theft, robbery or gang robbery while the Insured was using the financial cards at automated teller machine or cash dispensing machine installation sites, or 15 minutes after the Insured began using automated teller machine or cash dispensing machine services.
Documents Used in Compensation Claims for Treatment Benefits from Accidents Caused by Financial Card Use
Benefit protection in compensating for income during hospitalisation from using financial cards may be extended by the Company by paying additional benefits at double the claim amount set forth in the insurance policy tables if the aforementioned losses or damages occur as a result of theft, robbery or gang robbery while the Insured was using financial cards at automated teller machine or cash dispensing machine installation sites, or 15 minutes after the Insured began using automated teller machine or cash dispensing machine services.
Documents Used in Income Compensation Claims During Hospitalisation Caused by Accidents from Financial Card Use
*** Other coverage and conditions that have been completely detailed must comply with the Thanachart OnGuard Card Policy approved by the Office of the Insurance Commission (OIC)***
Remarks:
This page (together with the documents referred to on it) tells you the terms of use on which you may make use of this website (the "Website"), whether as a guest or a registered user. Please read these terms of use carefully before you start to use the Website. By using the Website, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using the Website.
The Website is operated by Yougetitback Limited ("we", "our" or "us"). We are registered in Ireland under company number 405131 and have our registered office at Evergreen House, Congress Road, Cork, Ireland. Our VAT number is IE6425131M.
Access to the Website is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on the Website without notice. We will not be liable if for any reason the Website is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of the Website, or our entire site, to users who have registered with us.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.
You are responsible for making all arrangements necessary for you to have access to the Website. You are also responsible for ensuring that all persons who access the Website through your internet connection are aware of these terms, and that they comply with them.
We are the owner or the licensee of all intellectual property rights in the Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from the Website for your personal reference and you may draw the attention of others within your organisation to material posted on the Website.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of material on the Website must always be acknowledged.
You must not use any part of the materials on the Website for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of the Website in breach of these terms of use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
We, or our licensors, own the copyright in any software that is made available for download from the Website. Your use of the software is governed by the terms of any licence agreement that may accompany or be included with it. Do not install or use any software unless you agree to such licence agreement.
Commentary and other materials posted on the Website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to the Website, or by anyone who may be informed of any of its contents.
We aim to update the Website regularly, and may change the content at any time. If the need arises, we may suspend access to the Website, or close it indefinitely. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.
The material displayed on the Website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
We process information about you in accordance with our privacy policy available as a link on the Website. By using the Website, you consent to such processing and you warrant that all data provided by you is accurate.
Additional terms may apply to:
You must be over 18 years of age to purchase or obtain the software and services, but if you are under the age of 18, you may purchase and utilise the software and services in conjunction with and under the supervision of your parents or guardian. By using the Website you understand that you are financially responsible for purchases made on the Website by you and those using your log-on information. You agree to notify us immediately of any unauthorised use of your log-on information or any other breach of security. Furthermore, you affirm that you are over the age of 13. Use of the Website is not intended and is prohibited for persons under 13 and we ask that you please disconnect from the Website.
You may use the Website only for lawful purposes. You may not use the Website:
The pages of the Website where you are capable of posting content are provided for your private, non-commercial exchange of lawful, relevant, fair and appropriate information, opinions and comment. Use of the Website that is inconsistent with those stated purposes is strictly prohibited. By submitting any content to the Website, you:
We accept no responsibility for any statements, material or other submissions placed on the Website by users.
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link from any website that is not owned by you.
The Website must not be framed on any other site, nor may you create a link to any part of the Website other than the home page. We reserve the right to withdraw linking permission without notice. If you wish to make any use of material on the Website other than that set out above, please address your request to notice@yougetitback.com.
Where the Website contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
The courts in the Republic of Ireland will have exclusive jurisdiction over any claim arising from, or related to, a visit to the Website although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.
These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the Republic of Ireland.
We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on the Website.
In the event of a conflict between different translations of these terms of use the original English version will prevail.
If you have any concerns about material which appears on the Website, please contact notice@yougetitback.com
Thank you for visiting the Website.