By using or accessing any part of this website, you confirm and agree to the following:

Due to unpredictable traffic congestion and other reasons, the Internet is an inherently unreliable medium of communication and that such unreliability is beyond our control. There may be outages on our "web member zone" due to system upgrade or changes or other causes. As a result, there may be failure or delays in the transmission or receipt of your application for insurance which may result in failure or delay in processing your application. Further, there are risks of interception, interruption or transmission blackout as well as misunderstanding or errors in any communication via the Internet. We shall not be responsible in any manner for any direct, indirect, special or consequential loss in connection therewith.

Information on this website has been compiled from sources believed to be reliable but we do not warrant, guarantee or represent that such information is accurate, complete or fair. Any opinion expressed only reflects our view at the date the opinion is given and is subject to change without notice. We accept no liability for any loss or damage howsoever arising by reliance on any information given or opinion expressed on this website. 

The information provided herein is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing this website are advised to obtain appropriate professional advice where necessary. Due to the public nature of the Internet and other reasons, the Internet is inherently not always a reliable medium of communication. Such lack of reliability is beyond our control. We will not accept any liability whatsoever, including but not limited to liability due to unpredictable traffic congestion, delays in transmission, interruption, transmission blackout, incorrect data transmission or interference by unauthorized persons.

In certain countries, governmental, legal or regulatory requirements may restrict or prohibit the accessing and /or use of the information, products and services provided by this website. You confirm that no such requirements apply to you or in respect of your use of this website.

All information, materials and opinions appearing on this website (including text, graphics, links or other items) are subject to change without notice at our discretion. They have been taken from public or other sources believed to be reliable and are provided by us in good faith. Although efforts have been made to ensure accuracy, we cannot accept any responsibility for and do not warrant or represent that such information, materials or opinions are true, correct, accurate, complete or fair, and they should not be relied on as such. 
 

All data, ideas, concepts and other information collected or derived from the information made available to us through this website shall be deemed to be and remain our property and we shall have free use of it without any confidentiality or other restriction, except if agreed in advance in writing or to the extent required by the law of the Hong Kong Special Administrative Region.

We accept no liability (express or implied) for any damages, loss or other liability whatsoever or any consequential, incidental or special damage (including but not limited to any loss of profits), as a result of your acceptance and/or use of this website or products and services provided or reliance on any information or material available or opinion appearing on this website, whether or not we (or any third party) have been advised of the possibility of such damages.

Hyperlinks to other Internet resources are at your own risk. We do not investigate, verify, monitor or endorse the content, accuracy, opinions expressed, and other links provided by these resources.

You shall not distribute, modify, transmit, reuse, repost, reverse engineer, decompile or make any use of the content of this website for public, commercial or other purposes other than private personal use, without our prior consent in writing. Nothing contained in this website should be construed as granting a license or right to use any trademarks or other intellectual property rights displayed in this website without the written permission of the relevant owner.

All titles, copyrights and other intellectual property rights in and to this website and its contents are owned by us or by the respective content owner and may be protected by applicable copyright or other intellectual property laws.

You agree to be bound by our Personal Data Policy, which will apply to all data provided by the customer as well as to data arising as a result of use of our online services.

You will on demand indemnify, hold harmless and defend us against all actions claims liabilities and costs suffered or incurred as a result of your use of this website, including but not limited to any breach whatsoever of any or all of the above terms and conditions.

If there is any inconsistency between the English and the Chinese versions of these Terms of Use, the English version shall prevail to the extent of the inconsistency.