These terms and conditions apply as of 01 May 2009

These Terms and Conditions form the contract between you as a SovLink user and AIA Services New Zealand Limited("AIA") as provider of these services.

AIA will provide you, and any other person nominated by you, access to SovLink. By registering for and using SovLink you unconditionally acknowledge and accept these Terms and Conditions.

To use SovLink, you must have a current Financial Adviser Agreement with AIA, or be a representative or nominee of an entity that does.

You and your nominee are only permitted to access and use SovLink for the operation of your business. Access to SovLink by your nominee will only be available where we have approved an application from you for that person.

You must supervise and control the use of SovLink to ensure compliance with these terms by your nominee. You agree to indemnify AIA for any loss suffered as a result of use of SovLink by your nominee.

User Requirements

You and your nominee must use a browser capable of supporting 128-bit encryption.

You are responsible for computer anti-virus measures and security precautions to prevent unauthorised use of and access to SovLink services and to protect all confidential and personal information you or your nominee may access while using SovLink.

SovLink Username

If you or your nominee are required to select a Username to access SovLink, that Username must be at least four (4) characters and must begin with letters and not contain any special characters or spaces. The Username must be unique to SovLink. If a Username is chosen that is already in use, an alternative Username will need to be chosen.

SovLink Password

If either you or your nominee is required to select a Password, the Password must be eight (8) characters long and contain at least one (1) letter and one (1) number.

The Password selected must not include:

• birth dates
• sequential numbers (e.g. 3456)
• number combinations that may be easily guessed (e.g. 1111)
• parts of your telephone number or other easily accessible personal or business data including drivers licence, locker number, family, pet and street names; or other numbers easily connected with you or your nominee.

You and your nominee should use a different password for SovLink than used for other systems.

Keep Your Username & Password Safe

You and your nominee must safeguard the Usernames and Passwords which must be committed to memory.

Neither You nor your nominee must, under any circumstances, keep a written or electronic record of your Passwords either together with your Usernames or alone. You and your nominee must take care to ensure no-one can see the entry of a Password and you must report the disclosure or possible disclosure of your or your nominees Password to AIA as soon as you or your nominee are aware or suspect that either your or your nominees Password has been disclosed.

Please note that Microsoft Internet Explorer 5.0 ("IE 5.0") (and versions above) have an option which allows user names and passwords to be automatically entered by keying in just the first character. We urge you to disable this functionality.

The Usernames together with Passwords will enable you and your nominee to use SovLink.

The Usernames and Passwords are personal to you and you nominee. You and your nominee must not disclose the Usernames and Passwords to any other person, including any other person within your business who otherwise would not have access to SovLink. Any unauthorised disclosure of the information on SovLink may result in action being taken against you either directly by AIA or by a third party. You indemnity AIA for any loss it may suffer as a result of any such unauthorised access to SovLink by you or your nominee.

Use

You will not use or permit the use of SovLink in whole or in part for any purpose, whether legal or illegal, other than as specifically intended to carry out legitimate tasks relevant to your business with AIA.

Your use of SovLink is at your own risk. You agree that we are not responsible for any damage or harm arising out of your or your nominee’s use of SovLink. You also agree that all warranties, conditions and representations in respect of SovLink (express or implied) including availability and functionality of the service are excluded to the fullest extent permitted by law. We exclude all liability to you for any direct, incidental, consequential, indirect or punitive damages arising out of your access to, or use of or inability to use SovLink.

Accuracy of Information

Due to varying internal systems update times, certain customer information on SovLink may not reflect the latest information. You should check any relevant effective date noted on the page from which you obtain information. If you wish to make any business decision that requires the latest customer or policy information you should contact AIA to confirm that information. SovLink is provided as a guide only for the purpose of assisting you with your adviser business.

Copyright

All text, images, logos, brands, structure and design of the SovLink site are the property of AIA, who holds copyright in them. Copying or reproduction in any form of the information contained in this site is expressly prohibited without the written consent of AIA.

Privacy & Security

All Information on the SovLink site is provided to you for the purpose of assisting in the efficient processing and administration of your business with AIA. You must not disclose any personal information or use that information other than for purposes expressly authorised by your client.

Links to other websites

SovLink may contain hyperlinks to websites operated by parties other than AIA. AIA does not monitor or investigate such sites and accepts no responsibility or liability in relation to any content on any other websites. Use of hyperlinks to any other website is at your own risk.

Hypertext linking

Under no circumstances are you or your nominee to create a hyperlink to any of the pages on SovLink. If you create a link to any pages of SovLink you acknowledge that you are responsible for all direct or indirect consequences of the link, and you indemnify AIA for all loss, damage, liability, costs or expense arising from or in connection with the link.

Software Upgrades

SovLink provides you and your nominee with the opportunity to download and install upgrades to various types of Software via SovLink. The software may include software provided directly by AIA or via our third party suppliers. We refer you to the Terms and Conditions of the applicable end-user license agreements that you may have in place with the relevant software supplier. While we will take every reasonable measure to ensure that software provided in SovLink is virus-free, you are responsible for ensuring that software downloaded from SovLink is virus free prior to using it.

AIA accepts no responsibility for the performance or non-performance of any third party software you download from SovLink or any loss you suffer directly or indirectly as a result of downloading or using that software. Please follow the instructions provided with the upgrade.

Changes to these Conditions

AIA reserves the right to change these Terms and Conditions at any time on giving you 14 days notice. We may give you notice either by mail to your last notified address, or to your e-mail address, or when you next access SovLink.

Withdrawal of SovLink

You may request that we withdraw your or your nominees access to SovLink in writing (including by fax or email) and you will remain responsible for any access to SovLink via your or that of your nominees Username and Password until the time of cancellation.

We may withdraw your or your nominees SovLink without notice if you or your nominee has breached these terms and conditions (or we have reason to suspect you or your nominee has done so). AIA reserves the right to withdraw the SovLink service entirely at any time by giving you 14 days notice.

Governing Law

These Terms and Conditions shall be governed and construed in accordance with New Zealand law and you submit to the jurisdiction of the Courts of New Zealand for all purposes in connection with the installation, operation and use of AIA's SovLink Internet services.

Customer Acknowledgement and Indemnity

You agree to follow the instructions supplied to you in relation to the use of SovLink or any part, to be used for any illegal or improper purpose. You acknowledge that any unauthorised reproduction or disclosure of any proprietary, confidential or personal information contained in SovLink, or any portion of it may result in legal action being taken. You agree to indemnify AIA and hold us harmless for any loss incurred or damage suffered by us, our customers or a third party or for any claim or action which may be brought against us by a customer or third party, which is in anyway the result of your or your nominees use of SovLink or your, or your nominees, failure to take all reasonable steps to prevent unauthorised use of SovLink.

Miscellaneous Provisions

AIA and its employees or agents shall not be liable for any act or failure to fulfill its obligations in relation to provision of the SovLink service if the act, omission or failure arises from any cause reasonably beyond its control. These events may include (but shall not be limited to) acts of God, strikes, lockouts, riots, acts of war, epidemics, earthquakes, floods, governmental action, fire, communication line failures, power failures, computer or processing system failure.