Applications are open to all residents of Malaysia and Singapore aged 18 years and above.

The J CARD is not a credit card or charge card.

Staff of AEON CO. (M) BHD are not eligible to apply and use the J CARD.

Promoters are not allowed to use their J CARD during working hours and strictly not on customer purchases.

The J CARD is renewable at the annual membership fee of RM 12.

In the event that a card expires, J CARD members shall have the option of applying for a new card or renewing the J CARD. In the case of the application for a new J CARD, all points & rebates for the expired card shall be null and void and be deemed to be of no effect.

On the other hand, if the J CARD is renewed, the date of renewal will commence one (1) day after expiry date. However, as at the date of renewal of the J CARD Member shall be entitled to all the points & rebates accumulated previously.

Principal J CARD members have the right to terminate the supplementary card under special circumstances.

The supplementary membership will expire along with the principal card's expiry regardless of the application date for the supplementary card.

Members must present the J CARD to the cashier before every transaction to ensure that spending amount is recorded and accumulated. Failure will mean that amounts spent will not be taken into account for rebates or points calculation.

All correspondence and promotional information will be forwarded to principal card members only.

If a J CARD is stolen, lost or damaged, a fee of RM 5 will be charged for a replacement card.

The J CARD is not transferable and is for the exclusive use of the J CARD member.

AEON CO. (M) BHD reserves the right to use and utilise the database information for marketing purposes.

AEON CO. (M) BHD reserves the right to decline the issuance of or withdraw the J CARD at any time or terminate membership as and when necessary without notice.

AEON CO. (M) BHD reserves the right to suspend or terminate the programme at any time it deems necessary. In such a case, AEON CO. (M) BHD shall give advance notice to members in the manner AEON CO. (M) BHD deems appropriate.

AEON CO. (M) BHD reserves the right to omit, add or amend the J CARD Terms and Conditions with no prior notice. Any new or amended terms and conditions will override the existing J CARD Terms and Conditions.

Rebates will be issued upon minimum spending of RM 500 at the GMS over a period of 6 months.
a. Purchases from 1 Jan till 30 June:
    (Gift vouchers are available for collection between 1 August till 30 November)
b. Purchases from 1 July till 31 December:
    (Gift vouchers are available for collection between 1 March till 30 June)

AEON CO. (M) BHD will not entertain any collection request beyond the stipulated collection time frame. Eligible members will be notified. AEON CO. (M) BHD will not bear any responsibility for mail failure or late arrival of rebate letters due to postal delays. Principal J CARD members can check with any J CAR Customer Service Centre if they have not received any notification during the stated period.

Rebate amount entitlement in rebate letters is final and no further correspondence will be entertained.

The following items are not included in the rebate calculation:

Only principal card holders are eligible for the rebate redemption.

Principal J CARD members are required to produce their J CARD, I.C. or passport, and the original rebate letter in order to redeem the gift vouchers.

AEON CO. (M) BHD reserves the right to refuse the vouchers redemption for a valid reason or if it is suspected that the rebates were fraudulenty accumulated by the J CARD member or wrongly recorded

Every ringgit spent in JUSCO will be converted to 1 point.

Points expiry date: 3 years from the year points were accumulated.
Eg. Points for purchases made in year 2003 will expire on 31 December 2006

The following items are not included in the points calculation:

J CARD points earned are not exchangeable or redeemable for cash or other items except those stated in the J CARD Gift Redemption Programme.

J CARD points earned are non-transferable, assignable and/or not to any other person.

Terms and conditions in the Gift Redemption Programme on page 134 applies.

AEON CO. (M) BHD reserves the right to deduct the balance of a member's accumulated points in the event that any points are suspected of being fraudulently recorded, recorded in error or related to a transaction which has been cancelled or where a refund has been given.

The following insurances shall be allowed to validate J CARD member from the first date of issuance of the J CARD till the last day of that issuing month of the following year.
(Hereinafter called "the period of cover")

Any dispute in the following wordings will be referred to the policy wordings in the master policy issued to AEON CO. (M) BHD.

Coverage on Loss or Damage by any accident or misfortune commencing from the time of purchase by qualified J CARD members at any JUSCO outlet within  Malaysia and shall remain in force for 14 days from the time of purchase.

The liability limits during any one period of indemnity shall not  exceed
(i) In respect of any one item of the property the value of that particular item and up to maximum combined total sum insured of RM 5000 for the principal and supplementary J CARD member during the period of cover 
(ii) In respect of loss or damage to any article forming part of pair or set the value of the particular part or parts which may be lost or damaged without reference to any special value which such part or parts may have as forming a pair or set but in any event not exceeding a proportionate part of the sum insured in respect of the pair of set.

Loss or damage must be notified to JUSCO by J CARD members within seven days from the time of loss/damage inccured.

It is hereby understood and agreed that the property insured on this policy shall deem to exclude:
 

(i)	Purchases of JUSCO gift vouvhers, wine and liquor, cigarettes, telephone cards, mobile phone prepaid cards and stamps, Supermarket, Customer Service Counter, Food Court, The Egg House, Arena Restaurant, La Boheme, Pharmacy, Vehicles, Eneos, J One and Tenants' Outlets.
(ii)	Any property or item not included in the rebate collection calculation.
(iii)	Loss or damage to Property due to Manufacturer's guarantee / warranty and / or defects.
(iv)	Property purchase below RM 50.00 per unit or set.
(v)	Loss or damage of free gift or replaced items.
(vi)	Loss or damage to the property herein insured caused by or arising out of scratching, chipping, marring , denting or due to atmospheric condition.
(vii)	Price of  new lock or any replacement parts or any repair fees charged.
(viii)	Loss or damage which at any time of the happening of such loss or damage is insured by or would, but for the existence of this policy, be insured by any other existing policy or policies accept in respect of any excess beyond the  amount which would have been payable under such other policy or policies had this insurance not been effected.
(ix)	Loss caused by voluntary parting with title or possession of any property by the insured or others to whom the property may be entrusted if induced to do so by a fraudulent scheme, trick,  device or false pretense.
(x)	Loss or damage or through the collision of or the fraudulent embezzlement by or the fraudulent, misappropriation by the insured or any person or persons in the employment of the insured or any of the insured's family or domestic servants or any person lawfully on the premises.
(xi)	Any consequences of War invasion act of foreign enemy hostilities (whether war be declared or not) civil war rebellion revolution insurrection or usurped power.
(xii)	Any consequences of earthquake, strike, riot or civil commotion
(xiii)	Loss by delay confiscation or detention  confiscation, destruction or  requisition by custom house or by other official or authorities.
(xiv)	Loss or damage arising from atmospheric conditions (other than lighting, storm or tempest) wear and tear, gradual deterioration, any process of cleaning or restoring or from adjustment, repair,  or dismantling or any part of property or loss of or damage to any part whilst removed from its normal working position, rust , change of color or corrosion.
(xv)	Loss or damage arising from mechanical or electrical breakdown.
(xvi)	Loss of damage to any part of the property by it own ignition, electrical breakdown or burn out.
(xvii)	Loss or damage to record films or tapes other than by fire or theft (and then only for the value of unused material).

This policy does not cover:  

(i)	Loss or destruction of or damage to any property or any loss or expenses whatsoever resulting or arising there from or any consequential loss.
(ii)	Any legal liability of whatsoever nature, directly  or indirectly caused by or contributed to by or arising from ionizing radiation or contamination by radio-activity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
(iii)	Any accident loss, destruction or damage or legal liability directly  or indirectly caused by or arising from nuclear weapon materials.

The insured shall take all reasonable precautions for the safety of the property insured and immediately upon having knowledge of any event giving rise ot likely to give a claim under this insurance shall :
 

(i)	In case of theft or loss give notice to the police and render all reasonable assistance in causing the discovery and punishment of any guilty person and in tracing and recovering the  property.
(ii)	In all cases give notice thereof to the Company in writing and within 7 days thereafter deliver to company a claim in writing and within 7 days thereafter deliver to company a claim in writing and supply all such detailed proofs and particulars as may be reasonably required.

No claim shall be recoverable hereunder if the benefit of the contract herein contained shall become vested in any person other than the insured unless written consent of the Company thereto be first obtained.

Claim reimbursement will be by JUSCO voucher or merchandise only.

Valid for J CARD member's private vehicle when the keys are locked-in or lost.

Expenses must be incurred for locksmith services and replacement of keys.

Maximum reimbursement up to RM 100 for the principal and supplementary J CARD members during the period of cover.

Notification of the expenses incurred to JUSCO by J CARD members must be made within seven days from the time of expenses incurred. 

Replacement of gear and door locks shall be excluded.

Valid only for Death and Permanent Disablement cover.

Maximum total insured sum of RM 5000 for the principal and supplementary J CARD members during the period of cover.

Notification of the death and permanent disablement to JUSCO must be made within 14 days from the time of accident.

No compensation for any benefits directly or indirectly due to or arising or resulting from:
 

(i)	War hostilities of any kind civil war or rebellion.
(ii)	Ionizing radiation or contamination by radioactivity from any nuclear waste from combustion of nuclear fuel. For the purpose of this exception combustion shall include any self-sustaining process of nuclear fission
(iii)	Nuclear weapons.
(iv)	Suicide or intentional self-injury.
(v)	Alcohol, narcotic or drug unless taken as prescribed by a qualified registered medical practitioner.
(vi)	Pregnancy, childbirth, miscarriage, confinement or any complication thereof.
(vii)	Pre-existing physical or mental defect or infirmity.
(viii)	The insured member(s) participating in a criminal act.
(ix)	Deliberate self exposure to unnecessary danger except in the attempt to save human life.
(x)	Whilst the insured member(s) is/are engaging in or taking part in Naval, Military or Air Force service or operations or participating in operations of an offensive nature planned or conducted by the Civil or Military Authorities against bandits, terrorists or other elements.
(xi)	Accidental death shall not in any way be presumed by reason of the disappearance of the insured member(s) except in the event of the total loss by shipwreck of the ship or air crash of the aircraft in which he/she traveling.
(xii)	Fits, hernia, illness or any kind venereal disease including those relating to, arising out of  or consequent upon or contributed to by Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) howsoever this syndrome has been acquired or may be named.
(xiii)	Arising from the use of any kind of power driven woodworking machinery except portable tools applied by hand and used solely for private purposes without reward.
(xiv)	Any motor sports-allies or competitions, speed tests and /or reliability trials.

The insured shall without delay procure and act on proper medical or surgical advice. All certificate affidavits information and evidence required by the company shall be furnished at the expenses of the insured or any claimant hereunder and shall be in such form and of such nature as the company shall prescribe. The insured person shall as often as required by and at the expenses of the company submit himself/ herself to medical examination. In the event of the death of the insured person notice shall when practicable be given to the company before interment or cremation stating the time and place of any inquest appointed and the company shall entitled to have a post mortal examination at its own expenses.

Scale of compensation benefit subject to schedule in Master Policy.