March 04, 06:53 PM 
514 Chai Chee Lane 03-16, Singapore 469029 AIA Singapore approached a local photographer Tan Zexun via Instagram messaging asking if they could use his images as part of their campaign.
AIA was promptly told to get lost.
Here's a screenshot, in case the Facebook post above doesn't load:
AIA then responded to his initial reply:
Tan's friend subsequently said "Send this to some of the viral sites."
Screenshot from Zexun Tan's Facebook post
A quick study of Instagram’s Terms of Use reveal that users of Instagram “grant to Instagram a non-exclusive, fully paid and royalty-free, transferable, sub-licensable, worldwide license” to use the photographs and other content generated on Instagram.
However, Instagram users still retain copyright to their own work. The work cannot taken by others for their own use without the copyright owner’s consent. As in this case with AIA Singapore and Tan.
If you like what you read, follow us on Facebook and Twitter to get the latest updates.