If you apply for or register to become a member of the AIA Vitality Program or activate your AIA Vitality Membership, you will be bound by these terms. If you do not understand these terms and conditions, or if you have any questions about these terms and conditions, please email queries@aiavitality.com.au or call 1800 848 254 (Monday – Friday 8:00AM – 6:00PM (Melbourne time). A representative will be happy to assist you. In these terms, we or us means AIA Australia Limited (ABN 79 004 837 861, Level 6, 509 St Kilda Road Melbourne VIC 3004) and its employees, agents, contractors and related bodies corporate (but does not include our partners in the AIA Vitality Program) and you means the person who proposes to be, is or has been an AIA Vitality Member (and, if you are under 18, includes your parent or guardian