Etiqa is highly committed to ensuring that all transactions performed through our online financial service are secure, safe and confidential. For this purpose, we have put in place protection systems to ensure the highest security standards and confidentiality. The following general information is provided to address security risks online, and good practices to protect yourself.
To prevent unauthorised access to our online financial services, every customer is required to select a username and an alphanumeric password, which are the access key to your financial information. The username must be between 6 to 16 characters and the alphanumeric password must be between 8 to 12 characters. Your password must include both alphabets and numbers but you may also use special characters (e.g. & * $) except spaces.
The username and alphanumeric password are case sensitive. For example, if your password is “fuNNySAD2B” and you key in “fuNNySAD2b”, you will not be able to login (the “b” must be uppercase).
To ensure the integrity of your username and password, you are advised to do the following:
To create a strong password, you can use the following options:
A phishing attack is fake links / attachments sent via email / text / social media or other platforms which appear to come from legitimate banks, insurance companies, retailers, credit card companies, etc. Such messages typically contain a hyperlink to a spoof website and mislead account holders to enter sensitive personal information such as user name, password, NRIC, bank account etc. Once you provide your information, it can be used on legitimate sites for unauthorized transactions.
Tips on how to protect yourself against Phishing:
Do note: Etiqa will never ask you for customer confidential information (for example, passwords or transaction details) via email. Treat all requests with extreme caution and check with customer care
Malware is malicious software to compromise information or damage computer system. Examples include viruses, worms, Trojan horse, ransomware or spyware. They can delete files on a computer, or steal data from your system without you knowing it.
Tips on how to protect yourself against malware
We take considerable effort to ensure a safe and secure online experience, but we do not have control over the computer you use to access Etiqa. As an added security feature, we have incorporated an automatic log out function if no activity is detected after a preset time limit.
However, you must ensure that your computer does not provide anyone opportunity to gain access to your account information:
To ensure data confidentiality and integrity, all information transmitted over the Internet is encrypted using the Secure Sockets Layer (SSL) protocol from Verisign Certificate Authority. SSL is a secure way of transferring information between two computers on the Internet using encryption. Strong end to end encryption is also adopted within Etiqa’s computer networks and resources.
If you encounter any certificate warning or any warning messages, do not proceed and contact Etiqa immediately. Always check the authenticity of EIPL’s website by comparing the URL and Etiqa’s name in its digital certificate, or by observing the indicators provided by an extended validation certificate. Always ensure that Etiqa’s website address changes from ‘http://’ to ‘https://’ and a security icon that looks like a lock or key appears when authentication and encryption is expected.
Etiqa is WebTrust certified. This certifies our compliance with leading international security standards and Best Practices, as well as our commitment to maintaining a secure environment. WebTrust is an independent corporation that monitors and tests our facilities to assure that we maintain the highest and most current standards in Internet information security and exchange.
Etiqa has adopted a combination of the following systems security and monitoring measures for online transactions:
Ensuring the security of your online transactions is our top priority. If you have any claim or dispute in respect of or arising from the use of Etiqa’s online services, you can be assured that we will acknowledge your claim or dispute as soon as possible, within 3 business days from the date of receipt of the feedback. A thorough investigation will be immediately conducted based on information provided by you and other reliable sources, which include information gathered internally and externally from relevant parties, if any. We will work with you for an amicable resolution of your feedback, as soon as possible. If the matter is complex and requires more time for investigation, please be assured that we will keep you updated on the progress of our investigations.
If you are still dissatisfied with our response, we will refer you to a dispute resolution organisation, Financial Industry Disputes Resolution Centre Ltd (FIDReC), which is an independent organisation.