Terms and Conditions

Non-Takaful Terms and Conditions


The following terms and conditions of service govern your access to and use of the OnGuard non-takaful benefits.

“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 Marketing Sdn Bhd.

OnGuard non-takaful 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-takaful 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 You

You 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 Protection

The OnGuard Mobile application and related web console (“Online Vault”) are operated by Yougetitback Limited (YGIB) for Sigma. YGIB is the owner 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 web console and the application. 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 OnGuard Mobile application must be activated on the OnGuard website and installed on Your Android, iOS, BlackBerry or Windows supported smartphone. Supported features vary by phone types and platforms. You may access the Online Vault through the OnGuard website to manage Your application.


Emergency Assistance

To be eligible for Emergency Cash Advance and Emergency Travel Assistance, You must be stranded at least 160 kilometers away from home and have reported Your card loss or theft to OnGuard within 24 hours of Your request for emergency assistance. Refer to www.OnGuard.com.my/FAQs for more details.


All dollar amounts provided in the Terms and Conditions, benefit guide, welcome letter or on the OnGuard website are in Ringgit Malaysia (RM). 

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-Takaful benefits included in Your enrollment. This agreement and the supporting documentation contained in your welcome letter and benefit guide constitute Our entire Non-Takaful 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 statute 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 Malaysia. 

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 is a trademark of Sigma Loyalty Marketing Sdn Bhd.