1.1 App: The Clicklife mobile application.
1.2 Clicklife: The digital wellbeing and loyalty platform operated by Union Assurance PLC.
1.3 User: Any individual registered on the App.
1.4 Policyholder: A User who holds a Life Insurance policy issued by Union Assurance PLC.
1.5 Manual Sync: A User initiated synchronization action performed within the App.
1.6 Activity Data: Step counts, active minutes, or similar fitness metrics retrieved via approved integrations.
1.7 Active Clicklife User: means a User who, within a given calendar month, logs into the App, performs a transaction, or uses at least one feature of the App.
1.8 Challenges: Time bound or goal-based fitness activities hosted on the Clicklife App.
1.9 Spins: Chances to play Spin the Wheel in the Clicklife App, subject to the terms and conditions set out herein.
1.10 Clicklife Points Scheme: Clicklife points earned via Spins that may be converted into vouchers.
1.11 Rewards: Vouchers, benefits, goods, or services available for redemption through Clicklife and/or third-party platform.
1.12 Digital Health Services: Virtual medical consultations and medicine delivery services made available through the App via independent third-party provider subject to the terms and conditions contained herein.
1.13 Last Synced Timestamp: The timestamp recorded by the App on completion of the most recent successful Manual Sync, which serves as the authoritative reference for Activity Data acceptance.
1.14 Tier: The categorisation of Users based on policy status and annual premium, comprising Free Tier (Segment 01 and Segment 02), Plus Tier, and Platinum Circle Tier, as further described in Section A1.

2.1 Only the main Policyholder registered on the App is eligible to earn Spins or redeem Rewards.
2.2 Dependents attached to a policy are not eligible to earn Spins/Points or redeem Rewards.
2.3 Participation is personal, non-transferable and limited to one account per eligible Policyholder.
2.4 Access to features may vary depending on freemium status, policy type, benefit structure, and eligibility criteria determined by Union Assurance at its discretion.

3.1 Freemium Model
3.1.1 The App operates under a freemium model (“Freemium Model”) where certain features are available to access at no charge with restricted functionality.
3.1.2 Freemium access does not entitle a User to access full feature availability.

3.2 Feature Eligibility & Control
3.2.1 Through the Freemium Model, access will be allowed to features including (without limitation) fitness tracking, basic calorie and sugar tracking, and the ability to purchase selected Life Insurance products. Additional features are available to eligible Tiers as set out in Section 3.3.
3.2.2 Union Assurance reserves the absolute right to enable, restrict, limit, suspend, or withdraw any feature for any User category at any time.

3.3 Feature Access by Tier
3.3.1 The following table sets out the features available to Users based on their applicable Tier. Where a feature is marked as unavailable for a given Tier, the User shall not be entitled to access such feature, and the App may redirect the User to the “Buy Now” section or display a prompt to upgrade.

3.3.2 “Not Applicable” denotes features that are not relevant to Users without an individual Life Insurance policy. “Not Available” denotes features that exist but are restricted from that Tier.
3.3.3 Union Assurance reserves the right to modify feature availability across Tiers at any time in accordance with Section 3.2.2.
3.3.4 In the event of any conflict between this table and the feature-specific terms set out in Sections A through F, the feature-specific terms shall prevail.

3.4 No Entitlement
3.4.1 Freemium access creates no entitlement, expectation, or vested right to premium or policy linked features.
3.4.2 Display of a feature within the App shall not be construed as a promise, representation, or obligation to provide free access to such feature.

4.1 All intellectual property rights in the App (including software, algorithms, interfaces, designs, and content) are owned by or licensed to Union Assurance.
4.2 Users are granted a limited, revocable, non-exclusive, non-transferable licence to use the App for personal, non-commercial purposes only.
4.3 Users shall not copy, modify, reverse engineer, decompile, distribute, scrape, or otherwise exploit any part of the App.

5.1 The App is designed to operate on supported iOS and Android devices and OS versions only.
5.2 We do not guarantee uninterrupted access, error free operation, or compatibility with all devices, OS versions, firmware, or hardware configurations.
5.3 Use of the App requires sufficient device storage, stable network connectivity, and granting of required permissions.
5.4 App availability may be affected by maintenance, upgrades, third-party platform changes, network outages, or circumstances beyond our control.
5.5 Union Assurance shall not be liable for any loss or damage arising from the unavailability of App or access to the App or performance limitations.
5.6 Clicklife App will be available to use only in certain countries due to access limitations.

A1. Tier Eligibility Requirements for Loyalty Tiers
A1.1 Free Tier - Segment 01 Free Users: No Life Insurance policy required. Segment 02 Group Surgical & Group Life Users: Requires an active Union Assurance Group Surgical Policy or an active Group Life Policy.
A1.2 Plus Tier - Requires a Clicklife Digital Policy or any active Union Assurance policy with an annual premium up to LKR 3 million.
A1.3 Platinum Circle Tier - Requires a Clicklife Digital Policy or any active Union Assurance policy with an annual premium above LKR 3 million.

A2. Earning Eligibility for Spins
A2.1 Spins shall be awarded only where the User is the main Policyholder and the policy is in force.
A2.2 Points shall accrue only after completion of the 21-day cooling-off period.
A2.3 At least one policy of the Policyholder must remain active to earn or redeem Spins.

A3. Feature Access Conditions
A3.1 Policy-related features shall remain locked for Segment 01 Free Tier Users, for whom such features are not applicable. Segment 02 Free Tier Users shall have access to policy-related features as set out in Section 3.3.
A3.2 Plus & Platinum Circle Tier Notes: Unless expressly stated otherwise, all feature access notes for the Plus Tier shall apply equally to the Platinum Circle Tier.

A4. Eligibility & Allocation of Spins
A4.1 Free Tier (All Segments) Users Eligibility for Spins
A4.1.1 Not eligible to earn Spins. Under Free Tier, Weekly Active Minutes Challenges and monthly Active Clicklife User criteria do not generate Spins.

A4.2 Plus Tier Users Eligibility for Spins
A4.2.1 If a User is engaged in Weekly Active Minutes Challenge, such User will receive 1 Spin per week upon completion.
A4.2.2 If the User makes an on-time premium payment, such User will receive 1 Spin per month or 12 Spins when an annual mode premium is paid in full.
A4.2.3 If the User converts his/her policy to annual mode, such User will receive a one-time 3 Spins.
A4.2.4 Active Clicklife User will receive 1 Spin per month.

A4.3 Platinum Circle Tier Users Eligibility for Spins
A4.3.1 If a User is engaged in Weekly Active Minutes Challenge, such User will receive 2 Spins per week upon completion.
A4.3.2 If a User is engaged in on-time premium payment, such User will receive 1 Spin per month, or 12 Spins for annual mode payment.
A4.3.3 If the User converts his/her policy to annual mode, such User shall receive a one-time 6 Spins.
A4.3.4 Active Clicklife User will receive 2 Spins per month.

A5. Additional Spin Conditions for Plus & Platinum Circle Tier Users
A5.1 Spins for weekly active minutes are awarded immediately upon completing the challenge.
A5.2 Spins for on-time premium payments are awarded upon successful payment.
A5.3 Spins for conversion to annual mode are awarded immediately after conversion.
A5.4 A minimum of one active day per month is required to qualify for the Active Clicklife User Spin.
A5.5 Plus Tier Users may receive additional free Spins upon completing five defined criteria (as specified in App).
A5.6 All Plus Tier Spin related conditions apply to Platinum Circle Users unless otherwise stated in the App.
A5.7 Spin Validity: Spins are valid for one (1) year from the date of award, after which unutilized Spins shall expire.

A6. Special Offers Provided to the Users of the App
A6.1 How It Works
A6.1.1 Eligible Users can browse available merchant offers under the “Special Offers” tab.
A6.1.2 Each offer will display a percentage of discount, terms of use, locations, and validity period.
A6.1.3 To redeem the offer, present the relevant offer screen in the App at the merchant’s checkout before payment.
A6.1.4 Discounts are applied by the merchant upon verifying the displayed screen.
A6.1.5 Union Assurance shall not be held liable for any decision by the merchant to withdraw, discontinue, or otherwise terminate the offer.

A6.2 Eligibility
A6.2.1 Special Offers are only available to Segment 02 (Free Tier – Group Surgical/Life), Plus Tier, and Platinum Circle Tier Users.
A6.2.2 Segment 01 (Free Users) is not eligible for Special Offers.

A6.3 Special Offer Terms
A6.3.1 Special Offers are valid only when redeemed through the App and presented at the time of payment.
A6.3.2 Special Offers cannot be exchanged for cash or combined with other promotions unless specified.
A6.3.3 Union Assurance may add, remove, or modify merchant partnerships and offer details without prior notice.
A6.3.4 The merchant is solely responsible for product/service quality, availability, and fulfilment.
A6.3.5 The offer screen must be active and visible at checkout; screenshots are not accepted unless explicitly indicated.
A6.3.6 Misuse, manipulation, or fraudulent redemption attempts may result in suspension of the feature.

A7. Clicklife Points Scheme & Third-Party Providers
A7.1 Overview of Spins & Reward Points
A7.1.1 Users may earn Spins based on Tier eligibility and activity criteria (refer Section A4).
A7.1.2 Spins may be used/activated within the “Clicklife Points Scheme” tab.
A7.1.3 Points shall be awarded to Users upon the use of Spins. All points awarded upon use of Spins will remain valid for a duration of one (1) year from the date of issuance. Any unused points after this period will automatically expire and cannot be reinstated.
A7.1.4 Each Spin provides an opportunity for the User to earn Reward Points, with current rewards ranging from 500 to 10,000 points per successful Spin.
A7.1.5 Reward Points shall be credited to the User’s Clicklife Points balance, and the App shall display such Reward Points accordingly.

A7.2 Conversion of Reward Points to Vouchers
A7.2.1 Accumulated Reward Points may be converted into digital vouchers within the App.
A7.2.2 Conversion rates, voucher denominations, and availability are determined by a third-party platform and such rates and denominations may change from time to time. Union Assurance shall not be liable for rates or denominations set out in third-party platforms.
A7.2.3 Once Points are converted into a voucher, the conversion is final and irreversible.

A7.3 Third-Party Redemption
A7.3.1 Reward vouchers will need to be redeemed exclusively through an independent third-party provider. Union Assurance has no control over the processes, policies, or platform operations of such third-party provider.
A7.3.2 Vouchers can be redeemed by visiting the merchants of such third-party service provider. The said Third-Party Service Provider may add, remove, or change participating merchants at any time and without prior notice.
A7.3.3 Redemption procedure, validity, usage restrictions, and list of merchants are governed solely by the third-party service provider’s platform.
A7.3.4 Users must review and accept Terms & Conditions of the third-party service provider before redemption (a link is provided in App at the point of redemption). Thyaga - Terms and Conditions

A7.4 Union Assurance’s Role & Limitations on Reward Points
A7.4.1 Rewards (vouchers, offers, and discounts) are provided by independent third-party vendors.
A7.4.2 Union Assurance does not manufacture, supply, endorse, guarantee, or control: the availability of reward items; merchant participation; the quality, safety, suitability, or performance of third-party products/services; or the accuracy of descriptions, discount values, or redemption processes.
A7.4.3 Union Assurance shall not be liable for: errors, delays, or failures in the redemption process; merchant refusal, withdrawal, or replacement of offers; expired vouchers, unavailable stocks, or discontinued services; disputes between Users and third-party service provider or its merchants.
A7.4.4 Any contract formed during redemption is strictly between the User and the third-party provider (including the third-party service provider and participating merchants).

A7.5 General Conditions on Reward Points
A7.5.1 All redemptions are subject to availability.
A7.5.2 Reward Points have no cash value, are non-refundable, and cannot be transferred or exchanged for cash.
A7.5.3 Screenshots of vouchers or Spin outcomes may not be accepted unless explicitly permitted in order to redeem the vouchers.
A7.5.4 Users must ensure the accuracy of their account details; errors may result in failed redemptions.
A7.5.5 Accumulated points will expire upon termination of the policy/policies.

B1. Activity Data Sources
B1.1 Activity Data may be retrieved via third-party platforms such as Apple HealthKit.
B1.2 Union Assurance does not guarantee accuracy, completeness, or timeliness of third-party data.

B2. Manual Sync Requirement
B2.1 Activity Data is recorded only upon a successful Manual Sync initiated by the User within the App.
B2.2 Activity shown solely in third-party apps is not valid unless synced.

B3. Point of Data Acceptance (“Last Synced”)
B3.1 Only Activity Data captured at the most recent successful Manual Sync is valid.
B3.2 The Last Synced timestamp is the sole authoritative reference.

B4. Challenge Cut-Off & Finality
B4.1 Challenge eligibility is determined by sync time, not activity time.
B4.2 All rankings, outcomes, and rewards are final and non-appealable.

B5. Anomaly Detection
B5.1 The App applies automated anomaly detection to ensure fairness.
B5.2 Filtered Activity Data cannot be reinstated or appealed.

B6. No Manual Verification
B6.1 The App does not accept screenshots, recordings, videos, or external evidence for correcting or disputing Activity Data.

C1. Estimates & Limitations
C1.1 Nutritional values are estimates derived from databases and algorithms and may be inaccurate, incomplete, or outdated.

C2. No Medical or Dietary Advice
C2.1 This feature does not constitute medical, dietary, or professional advice.
C2.2 Users should seek qualified medical or nutritional advice where required.

C3. User Responsibility & Risk
C3.1 Users are solely responsible for the data entered and decisions made.
C3.2 Use of this feature is entirely at the User’s own risk.

D1. Availability & Eligibility
D1.1 Access to Digital Health Services is available to Segment 02 Free Tier, Plus Tier, and Platinum Circle Tier Users, subject to the User’s applicable Tier as set out in Section 3.3 and any applicable policy benefits. Segment 01 Free Tier Users are not eligible for Digital Health Services.
D1.2 Digital Health Services may be modified, suspended, or withdrawn at any time at the discretion of Union Assurance.

D2. Third-Party Providers
D2.1 The App provides access to Digital Health Services, which are delivered by independent third-party medical providers. Digital Health Services will be provided at a fee as more fully mentioned in the App.
D2.2 Union Assurance does not provide medical services or control such consultations/services provided by Digital Health Services.

D3. No Responsibility for Medical Advice
D3.1 Medical advice is provided solely by the third-party practitioner.
D3.2 Union Assurance does not endorse, verify, or assume responsibility for such advice or outcomes.

D4. Limitation of Liability
D4.1 Union Assurance shall not be liable for any acts, omissions, errors, negligence, advice, diagnoses, treatments, recommendations, services, or outcomes arising from or in connection with the Digital Health Services, whether provided through the App or by any third-party healthcare professionals or service providers. All Digital Health Services are provided entirely under the responsibility of the respective healthcare professionals or service providers, and Union Assurance shall bear no responsibility for their accuracy, quality, adequacy, or reliability. Terms & Conditions | Flash Health
D4.2 Digital Health is not a substitute for in-person medical care.

E1. Policy Governs All Life Insurance Matters
E1.1 The App provides digital self-service for convenience only and does not form part of any Life Insurance contract.
E1.2 The relevant Life Insurance policy document shall be the sole governing instrument for all matters relating to the Life Insurance coverage, benefits, terms, and conditions.

E2. Supremacy of Policy Document
E2.1 In the event of any inconsistency between the terms of this App, any communication, or any other document and the Life Insurance policy, the terms and conditions of the Life Insurance policy shall prevail and govern.

E3. No Variation Through Self-Service
E3.1 Use of self-service features does not constitute acceptance or approval.
E3.2 No action carried out by the User in the App shall modify or amend the policy terms unless confirmed in writing by Union Assurance.

E4. Data & Privacy
E4.1 Your data will be processed in accordance with the Union Assurance PLC Privacy Policy, which forms part of these Terms. Privacy Policy
E4.2 Certain features (e.g., fitness integrations, Digital Health Services, rewards redemption) may require sharing limited data with trusted third parties for service fulfilment as described in the App and/or Privacy Policy.

F1. Fraud & Misconduct
F1.1 Misuse, manipulation, or fraudulent activity may result in suspension or termination of access to the App without notice.

F2. Security
F2.1 Users are responsible for maintaining the confidentiality of their login credentials and for ensuring the security of their device(s). Union Assurance shall not be liable for any loss or damage arising from the User’s failure to safeguard such credentials or device(s).

F3. Disclaimer & Liability
F3.1 The App is provided on an “as is” and “as available” basis. Union Assurance does not warrant or guarantee that any third-party services will be continuously available, uninterrupted, or error free, nor does Union Assurance warrant or guarantee that the App will operate without errors, defects or interruptions.
F3.2 Union Assurance disclaims all warranties to the fullest extent permitted by law.
F3.3 To the maximum extent permitted by law, Union Assurance shall not be liable for any losses arising from the usage of the App, data inaccuracies from third-party platforms, or third-party services (including rewards, merchants, and Digital Health service providers).
F3.4 Users agree to indemnify, defend, and hold Union Assurance harmless from and against any claims, demands, actions, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with (i) the User’s misuse or unauthorised use of the App, (ii) breach of these Terms, (iii) violation of any applicable law, or (iv) infringement of any intellectual property or other rights of Union Assurance or any third-party.

F4. Amendments
F4.1 Union Assurance may amend, update, or discontinue the App or any feature at any time.
F4.2 Material changes to these Terms will be reflected in the App with the updated effective date. Continued use constitutes acceptance of the revised Terms.
F4.3 Union Assurance may suspend or terminate access for breach of these Terms or where required by law or for risk management.

F5. Governing Law
F5.1 These Terms are governed by the laws of Sri Lanka.
F5.2 Disputes shall be subject to the exclusive jurisdiction of the courts of Sri Lanka.

F6. Entire Agreement
F6.1 These Terms, together with the Privacy Policy and any feature specific rules displayed in the App, constitute the entire agreement between the User and Union Assurance regarding the App.

F7. Severability
F7.1 If any provision is found invalid or unenforceable, the remaining provisions will remain in full force and effect.

F8. No Waiver
F8.1 Failure to enforce any provision shall not constitute a waiver of that provision or any other.

F9. Assignment
F9.1 Users may not assign rights or obligations under these Terms. Union Assurance may assign or transfer its rights and obligations as permitted by law.

F10. Notices
F10.1 Notices may be provided via in-app notifications, email, or updates published within the App.

F11. Contact & Support
F11.1 For support, feature queries, or complaints, please use in-app support channels or the contact details provided in our official website.