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This Web Site is owned and maintained by Chubb Insurance Hong Kong Limited and Chubb Life Insurance Hong Kong Limited (“the Owners”, “we”, “us” or “our”), which are members of the Chubb Group of Insurance and Reinsurance Companies (collectively, the “Chubb Group”). Chubb Insurance Hong Kong Limited and Chubb Life Insurance Hong Kong Limited are authorised by the Hong Kong Insurance Authority to carry on insurance business in the Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong”). Chubb Group is made up of insurance and reinsurance companies that are licensed or otherwise approved to transact insurance and/or reinsurance business located in various countries and jurisdictions around the world. Chubb Group also includes companies that provide services to the insurance industry and other customers. For the purpose of these Terms of Use, “Chubb Group” or “Chubb Group companies” means Chubb Limited, its subsidiaries and its affiliates and each of them, a “Chubb Group company”.

This Web Site provides users with access to an online collection of information and materials. These materials may include insurance applications and policy forms and other information related to certain insurance products and services ("Products and Services") offered by providers of insurance and insurance-related services operating within the Chubb Group. This Web Site also contains text, pictures, graphics, logos, button items, images, works of authorship, and other information (collectively, "Contents"), and may provide access to certain proprietary software used in connection with navigating and utilising the functionality offered through this Web Site ("Software"). This Web Site is intended for use only by users who are at least 18 years of age and who reside in Hong Kong.

PLEASE NOTE:
Your access to and use of this Web Site are subject to these Terms of Use (“Terms of Use”), other policies and statements appearing on or referred to on this Web Site (collectively, the “Policies and Statements”), as well as all applicable laws and regulations. Please read these Policies and Statements carefully. If you do not accept and agree to be bound by any of them, you are not authorised to access or otherwise use this Web Site or any of its Contents, Software or any other information contained on this Web Site. Your access to and use of this Web Site constitute your acceptance of and agreement to abide by each of these Policies and Statements. These Policies and Statements may be changed, modified, supplemented or updated by the Owners from time to time without advance notice. Unless otherwise indicated, any new products or services, contents or software added to this Web Site will also be subject to these Policies and Statements effective upon the date of any such addition. You are encouraged to review the Web Site periodically for updates and changes.


Limited License and Site Access – The Owners hereby grant you a non-exclusive, limited and personal license to access and make personal use of this Web Site but not to download (other than page caching) or modify it, or any portion of it, except with the express written consent of the Owners. This license does not include any resale or commercial use of this Web Site or its contents; any collection or use of any product listings, descriptions or prices; any derivative use of this Web Site or its contents; or any use of data mining, robots or similar data gathering and extraction tools. Neither this Web Site nor any part of it may be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose without the express written consent of the Owners. You may not frame or utilise framing techniques to enclose any trademark, logo or other proprietary information (including, without limitation, images, texts, page layout or form) of Chubb Group or the Owners without their express written consent. You may not use any meta-tags or any other "hidden text" utilising any of the name(s) of Chubb Group or the Owners or any other service marks without the express written consent of their owners. Any unauthorised use terminates the permission or license granted to you under this license.


Availability of Products and Services – Due to various insurance and other regulatory restrictions, certain Products and Services described on this Web Site are not available to all users or in all jurisdictions. Although the Owners may, via this Web Site provide a portal, or gateway, to the other services offered by other Chubb Group companies, EXCEPT AS EXPRESSLY STATED HEREIN, THE INFORMATION CONTAINED ON THIS WEB SITE IS NOT AN OFFER TO SELL OR A SOLICITATION TO BUY ANY SECURITY, INSURANCE PRODUCT OR OTHER PRODUCT OR SERVICE BY THE OWNERS OR ANY OF THE CHUBB GROUP COMPANIES. No security, insurance product or other product or service is offered or will be sold by any Chubb Group company or, if sold by a Chubb Group company, will be effective in any jurisdiction in which such offer or solicitation to purchase or sell would be unlawful under the securities, insurance or other laws of such jurisdiction. If you choose to enter the Web Site outside your country of residence, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available on this Web Site and the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting in that jurisdiction. Your use of the web sites of any other Chubb Group companies shall be governed by their respective terms of use and policies.

Please contact our representative or your broker to find out which Products and Services are available to you. The Owners reserve the right to make final determination as regards whether or not you are eligible for any particular Product or Service.

This Web Site may provide certain summary descriptions or other helpful information regarding Products and Services. Chubb Group attempts to be as accurate as possible in its provision of this information. However, any such materials are intended to generally describe the Products and Services and are subject in all respects to the specific terms and conditions of the actual policy or product/service agreement to which they relate. Complete policy terms are available upon request. Chubb Group makes no express or implied representation, warranty or guaranty as to the accuracy, appropriateness or completeness of any information contained on this Web Site.

Unless indicated in the Chubb Group Regulatory Status Chart, non-U.S. companies within the Chubb Group are not licensed or otherwise authorised to conduct business in the United States and do not engage in or transact any business in the United States through this Web Site or otherwise. In certain countries, non-U.S. buyers and their representatives may be able to transact insurance with non-U.S. Chubb Group companies through web sites that are accessible through this Web Site.

Safe Harbor Statement – This Web Site may from time to time contain forward-looking statements within the meaning of The Private Securities Litigation Reform Act of 1995 (U.S.). That Act provides a statutory "safe harbor" for forward-looking statements. Any written or oral statements made by or on behalf of Chubb Limited or any of its subsidiaries or operating divisions reflect current views with respect to future events and financial performance. These forward-looking statements are subject to uncertainties and inherent risks that could cause actual results to differ materially from those contained in any forward-looking statement. Please refer to Chubb Limited's filings with the Securities and Exchange Commission, including the most recent Forms 10-K and 10-Q, and any Forms 8-K since the most recent Form 10-K, for further information on such uncertainties and inherent risks and the "safe harbor" under the Private Securities Litigation Reform Act of 1995.


Copyright – Except as otherwise expressly stated, all Contents and Software appearing on this Web Site are the copyrighted work of Chubb Group or the Owners or third party content suppliers and are protected by local and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Contents and Software is also the exclusive property of Chubb Group or the Owners and is protected by local and international copyright laws.

You may download information from this Web Site and print out a hard copy for your personal use provided that you keep intact and do not remove, obscure or alter any copyright or other proprietary notices (including trademark, patent) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer or sell any information or Contents obtained from this Web Site, in whole or in part, including any text, images, audio and video in any manner, without the prior written authorisation of the relevant Chubb Group company, the Owners or any other third party information provider who owns the information or is otherwise authorised to give such authorisation. The use of the Contents, including any images, by you or anyone else authorised by you, is prohibited unless specifically permitted by the Owners, the relevant Chubb Group company or any other third party information provider who owns those Contents or is otherwise to give such permission. Any unauthorised use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity and applicable regulations and statutes. None of the Chubb Group Companies, the Owners nor their respective employees, directors or officers warrant or represent that your use of the Contents, Services, Software or any other materials displayed on this Web Site does not infringe rights of third parties.

Trademarks and Service Marks – Certain trademarks, including but not limited to "Chubb INA", "chubb asia pacific", “Chubb insurance”, “Chubb Group”, "ESIS" and "West Chester" are service marks owned by Chubb Group. The domain name of this Web Site (www.chubb.com/hk) and all logos, page headers, custom graphics and button icons are service marks, trademarks, logos, and/or trade dress owned by Chubb Group. All other trademarks, service marks, trade dress, product names, company names or logos, whether registered or not, on the Web Site are the property of their respective owners. In addition to complying with all applicable laws, you agree that you will not use any such trademarks, service marks, trade dress or other logos from this Web Site without the prior written authorisation of its respective owners.


Ownership of information submitted via this Web Site – Other than personal data and/or or information falling within the definition of "personal data" in the Personal Data (Privacy) Ordinance (Chapter 486 of the laws of Hong Kong) ("Customer Information") (which will be maintained in accordance with our Privacy Policy as set out below), any other information you transmit to the Owners via this Web Site, whether by direct entry, submission, electronic mail or otherwise (including but not limited to data, questions, comments and suggestions) will become property of the Owners and will be treated as non-confidential and non-proprietary. Such information may be used for any purpose at the Owners’ sole discretion, including but not limited to reproduction, solicitation, disclosure, transmission, publication, broadcast and posting. The Owners will be free to use any ideas, concepts, know-how or techniques contained in any communication you send to it via this Web Site or by any other means for any purpose whatsoever, including but not limited to using such information for product development and marketing. You waive all applicable rights you may have in any information you transmit to the Owners via this Web Site or otherwise for the purposes of the Policies and Statements (other those in respect of your Customer Information).


Proprietary Software – Any Software accessible through this Web Site is the property of Chubb Group, the Owners or its suppliers and is protected by local patent and copyright laws and international treaties. Any use of the Software by you other than as required to navigate and to utilise the intended functionality offered through this Web Site is prohibited. You agree not to copy, distribute, publicly display, alter, modify, decompile, disassemble, reverse engineer or otherwise attempt to discover the source code of the Software. Further, you agree not to access the Services or Contents by any means other than the interface provided by the Owners through this Web Site for your use in accessing the Services and the Contents.

The Software provided on this Web Site is owned by or licensed to Chubb Group or the Owners and may contain technology that is subject to strict controls pursuant to export control laws and regulations of Hong Kong and other countries and jurisdictions. You shall not copy, transfer or export such software in violation of such applicable export laws and regulations. The Owners do not authorise the downloading or exportation of any software or technical data from this Web Site to any jurisdiction prohibited by such export controls laws and regulations.

Connection Requirements – You are responsible for providing and maintaining, at your own risk, option and expense, any hardware, software and communication lines required to access and use this Web Site, and the Owners reserves the right to change the access configuration of this Web Site at any time without prior notice.

Prohibited Use – Any use or attempted use of this Web Site: (i) for any unlawful, unauthorised, fraudulent or malicious purpose; (ii) that could damage, disable, overburden or impair any server or the network(s) connected to any server; (iii) that could interfere with any other party's use and enjoyment of the Web Site; (iv) to gain unauthorised access to any accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means; (v) to access systems, data or information not intended by the Owners to be made accessible to a user; (vi) to attempt to obtain any materials or information through any means not intentionally made available by the Owners; or (vii) other than for the business purpose for which it was intended, is prohibited.

In addition, in connection with your use of the Web Site, you agree you will not:

a) upload or transmit any message, information, data, text, software, images or other contents ("Material") that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous or otherwise objectionable or that may invade another's right of privacy or publicity;

b) create a false identity for the purpose of misleading others or impersonate any person or entity, including but not limited to any Chubb representative, or falsely state or otherwise misrepresent your affiliation with a person or entity;

c) upload or transmit any Material that you do not have a right to reproduce, display or transmit under any law or under contractual or fiduciary relationships (such as nondisclosure agreements);

d) upload or introduce files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files or any other similar software or programs that may damage the operation of another person's computer or property;

e) delete any author attributions, legal notices or proprietary designations or labels that you upload to any communication feature;

f) use the Web Site’s communication features in a manner that adversely affects the availability of its resources to other users (including but not limited to excessive shouting, use of all caps, flooding and continuous posting of repetitive text);

g) upload or transmit any unsolicited advertising or promotional materials, "junk mail", "spam", "chain letters", "pyramid schemes" or any other form of solicitation, commercial or otherwise;

h) violate any applicable local or foreign law;

i) upload or transmit any Material that infringes any patent, trademark, service mark, trade secret, copyright or other proprietary rights of any party;

j) delete or revise any Material posted by any other person or entity;

k) manipulate or otherwise display the Web Site by using framing, mirroring or similar navigational technology or directly link to any portion of the Web Site other than the main homepage, www.chubb.com/hk, in accordance with the section headed “Limited License and Site Access” above;

l) register, subscribe or unsubscribe any party for any Product or Service, or attempt to do any of the above, if you are not expressly authorised by such party to do so; or

m) harvest or otherwise collect information about other parties, including but not limited to e-mail addresses.
The Owners reserve the right to take whatever lawful actions they may deem appropriate in response to actual or suspected violations of the restrictions described above, including but not limited to the suspension or termination of the user's access to this Web Site and/or his/her account. Chubb Group and the Owners may cooperate with legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong. Except as may be expressly limited by the Privacy Policy as set out below and the Personal Data Privacy Ordinance (Cap. 486 of the Laws of Hong Kong), Chubb Group and the Owners reserve the right at all times to disclose any information as Chubb Group or the Owners deem necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Chubb Group’s or the Owners' sole discretion.

Right to Monitor – The Owners reserve the right to monitor usage of this Web Site at any time as the Owners deem appropriate and to remove from the Web Site any materials that the Owners consider, in their sole discretion, inappropriate or illegal, may subject the Owners to liability, may violate the Policies and Statements or that are inconsistent with the purpose of this Web Site. However, the Owners do not exercises editorial control over the contents of any third party's web site, electronic mail transmission, news group or other material created or accessible over or through this Web Site by any third party.


Hyperlinks to Third Party Web sites – This Web Site contains hyperlinks to other web sites or web pages owned and/or operated by parties other than Chubb Group companies. These hyperlinks are provided for reference and ease of use only. The fact that we have provided a link to these sites or pages does not constitute any endorsement, authorisation or sponsorship of these web sites or web pages nor any affiliation between the Owners and, these web site owners or their content providers. We do not control, operate or maintain these web sites. We have not verified their contents and are not responsible for their accuracy, timeliness or continued availability unless specifically stated otherwise. The Owners shall not be responsible or be held liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on these third party web sites or its contents. We accept no liability for any claims and/or losses relating to any products or services described on or made available through these third party web sites. Links to downloadable software sites are for convenience only and we are not responsible nor do we accept liability for any difficulties or consequences associated with downloading the software. Use of any downloaded software is subject to the terms of the licence agreement, if any, between the user and the software provider (not Chubb Group or the Owners).

No Chubb Editorial Control of Third Party Contents; No Statement as to Accuracy – To the extent that any of the Contents included in the Web Site is provided by third party content providers, the Owners have no editorial control or responsibility over such Contents. Therefore, any opinions, statements, services or other information expressed or made available by third party suppliers on this Web Site are those of such third party suppliers. The Owners do not represent or endorse and cannot guarantee the accuracy, reliability, timeliness and even the continued availability or existence of any opinion, statement or other information provided by any third party, or represent or warrant that your use of the Contents displayed on this Web Site or referenced contents or service providers will not infringe rights of third parties not owned by or affiliated with Chubb.
Privacy Policy – Our privacy policy statements describe our collection, use and protection of customer information and will help you understand how we secure and treat any customer information that we obtain through this Web Site. Please read our privacy policy statements (collectively named “Privacy Policy Statements”) as these will govern any information you submit to us through this Web Site. By submitting information through the Web Site, you will be deemed to have given your consent to the uses and disclosures of data and information as described in these Privacy Policy Statements. Some information is collected automatically when you visit the Web Site because your IP address needs to be recognised by the server. We may use the IP address information to monitor and analyse how parts of the Web Site are used.


How We Use “Cookies” and Other Data Collection Tools

Cookies. The Owners may place electronic “cookies” in the browser files of your computer or mobile device when you access our Web Site or app. Cookies are pieces of information that our Web Site transfers to your computer or mobile device to enable our systems to recognise your browser and to tailor the information on our Web Sites to your interests. For example, if you previously visited our Web Site and accessed your account information or inquired about particular services over the Web Site, cookies enable us to present information tailored to your account and/or those particular interests the next time you visit the Web Site. Moreover, we or our third party service providers or business partners may place cookies on your computer or mobile device that can be matched to other personal information we maintain about you to pre-populate certain online forms for your convenience. We also use cookies to analyse visitors’ use of our Web Site. This analysis helps us better understand which areas of our Web Site are most useful and popular so we can plan improvements and updates accordingly. Third parties, including but not limited to Facebook, may use cookies, web beacons, and other storage technologies to collect or receive information from our Web Site and apps and elsewhere on the internet and use that information to provide measurement services and target advertisements to you.

Why are cookies important for the use of our Web Site?

We use cookies to improve the functionality of this Web Site and to track information about how the Web Site is used in order to continually improve it and personalise it to user preferences. In particular:

  1. Cookies enable an individually tailored use of the Web Site. Some functions on our Web Site cannot be used without cookies, i.e. logging in or changing settings. Cookies need to be enabled for optimal use of the Web Site.
  2. We are unable to monitor visitor numbers for our Web Site without cookies. Security and fraud risks on our Web Site increase without this information, which is something we wish to avoid.
  3. Cookies allow us to check how users access and navigate our Web Site. This is very important in order to make the Web Site better and more user friendly.
    Please note that cookies can only read the identification number created by the random generator on your computer and can only retrieve information that is directly related to the Web Site. 

Types of Cookies

Cookies may be either "persistent" cookies or "session" cookies. This Web Site uses both persistent and session cookies.

A persistent cookie consists of a text file sent by a web server to a web browser, which allows us to collect and analyse (on an anonymous basis) traffic and use of this Web Site, monitor the system and improve operating performance, for example, store your preferences to enhance your subsequent visits. It will not be automatically deleted when the browser is closed but is stored by the browser and will remain valid until its set expiration date (unless deleted by the user before the expiration date).

A session cookie is essential to ensure the correct functioning of this Web Site and is used to manage registration/login and access to reserved features. It is stored temporarily during a browsing session and will expire at the end of the user session, when the web browser is closed.

It is also important to be aware that some cookies (which are generally session cookies) are what is known as strictly necessary. Strictly necessary cookies enable you to move around the Web Site and use features which you have explicitly requested. You can disable other forms of cookies while allowing strictly necessary cookies - see "Your Cookies Choices" below.

Clear GIFs, pixel tags, and other technologies. In addition to cookies, we may also use other means of passively collecting non-personally identifiable data about your use of our Web Site, such as through the use of “clear GIFs” (small pieces of data that may be embedded in images on our Web Site that enable us to track your usage of our web sites) and analysing “click stream” data (the virtual trail you leave behind while browsing the Internet and viewing our web sites). We use clear GIFs and click stream data to gather data about your visit to our Web Site and in connection with emails to track response rates. The data may include information about your device, such as your IP address, but does not identify you by name. Blocking cookies will prevent clear GIFs from tracking your activity, and also prevent us from collecting certain other information, such as your IP address; but we still obtain a record of a visit. In addition to the information we collect from cookies, from clear GIFs, through the analysis of click stream data, and any other means we may employ to collect non-personally identifiable information about you or your visits to our Web Site, we may also obtain anonymous information which you provide to us online -- for example, when you use our tools and calculators.

Your Cookie Choices
You can enable or disable cookies by adjusting your browser settings. This allows you to reject the placement of all cookies (except strictly necessary cookies). You can also delete cookies which have already been placed on your device.
Please remember that disabling or deleting some or all cookies may prevent some web services (including on this Web Site) from functioning correctly, and may lead to a less smooth or less personalised browsing experience. 
You should visit the "Help" section of your browser for how to manage your cookie settings, or follow the links below:

For further general information on cookies and more detailed advice on how to disable and enable them please go to https://www.allaboutcookies.org.


Do Not Track. We and our service providers or third-party ad servers may also use cookies or similar technologies to collect information about your browsing activities over time and across different websites following your use of the Web Site. While, as described above, you may have the opportunity to control the use of cookies through your web browser, we do not currently respond to web browser “Do Not Track” signals or other mechanisms that provide a method to opt out of the collection of information across the networks of websites and online services in which we participate. For more information about Do Not Track, please visit www.allaboutdnt.com.

Third Party Analytics. We use automated devices and applications, such as Google Analytics, to evaluate usage of our Web Site. We also may use other analytic means to evaluate our Web Site. We use these tools to help us improve our services, performance, and user experiences. These entities may use cookies and other tracking technologies to perform their services. We do not share your name and contact information with these third party analytics providers; however, these providers may obtain unique identifiers for your device or your IP address.

Third Party Advertising Networks. We use third parties such as network advertisers to serve advertisements on third-party websites or other media (e.g., social networking platforms). This enables us and these third parties to target advertisements to you for products and services in which you might be interested. Third-party ad network providers, advertisers, sponsors and/or traffic measurement services may use cookies, JavaScript, web beacons (including clear GIFs), Flash LSOs and other tracking technologies to measure the effectiveness of their ads and to personalise advertising content to you. These third-party cookies and other technologies are governed by each third party’s specific terms of use, not this one. We may provide these third-party advertisers with information about you.


Opting-out of Third Party Ad Networks
You may opt out of many third-party ad networks. For example, you may go to the Digital Advertising Alliance (“DAA”) Consumer Choice Page for information about opting out of interest-based advertising and their choices regarding having information used by DAA companies. You may also go to the Network Advertising Initiative (“NAI”) Consumer Opt-Out Page for information about opting out of interest-based advertising and their choices regarding having information used by NAI members.

Opting out from one or more companies listed on the DAA Consumer Choice Page or the NAI Consumer Opt-Out Page will opt you out from those companies’ delivery of interest-based content or ads to you, but it does not mean you will no longer receive any advertising on other websites. You may continue to receive advertisements, for example, based on the particular website that you are viewing (i.e., contextually based ads). Also, if your browsers are configured to reject cookies when you opt out on the DAA or NAI websites, your opt out may not be effective. Additional information is available on the DAA’s website at www.aboutads.info or the NAI’s website at www.networkadvertising.org.

Modification to Services – The Owners may, at their sole discretion, modify or discontinue any of the Products and Services, Contents or Software, or any portion thereof, with or without notice. The Owners will not be liable to you or any third party for any modification or discontinuance of any of the Products or Services, Contents or Software in accordance with this section.

Disclaimer – Information contained on this Web Site is for convenience only and does not constitute investment, financial or other professional advice or recommendations upon which a user may rely. The Owners make no representation as to the suitability or appropriateness of any Products or Services for you. Chubb Group and the Owners have used reasonable efforts in collecting, preparing and providing quality information and material, but make no representation, warranty or guarantee as to the accuracy, completeness or adequacy of any information contained in or made available through this Web Site or any other web site maintained by Chubb Group. Users relying on any of this information do so at their own risk.

The information and descriptions relating to the Products and Services contained on this Web Site are provided solely for informational purposes and are not intended to be complete descriptions of the terms, exclusions and conditions applicable to the Products and Services. Please refer to the relevant policy contract or service agreement for complete descriptions of the applicable terms, exclusions and conditions which govern the relevant transaction (“Product T&C”). Your use of this Web Site does not affect the Product T&C and where there are any inconsistencies between the Product T&C and these Terms of Use/the Policies and Statements, the Product T&C shall prevail.

This Web Site may provide you with planning and educational tools such as calculators. These tools allow you to project results based on the information and assumptions identified. The projected results are illustrative only. There is no guarantee that the results shown are accurate or will be achieved. In addition, these tools are not part of any planning report for which you may have paid a fee, even if they include information derived from or contained in that report.
This Web Site may from time to time contain forward-looking statements. Any forward-looking statements made by or on behalf of an Chubb Group company reflect current views with respect to future events and financial performance. They are subject to uncertainties and inherent risks that could cause actual results to differ materially from those contained in the forward-looking statement.

YOU USE THIS WEB SITE AT YOUR OWN RISK. ALL CONTENTS AND SOFTWARE ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS, AND TO THE EXTENT PERMITTED BY APPLICABLE LAW, CHUBB GROUP AND THE OWNERS EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. CHUBB GROUP AND THE OWNERS MAKE NO WARRANTY AS TO THE ACCURACY AND TIMELINESS OF THE CONTENTS AND THE SOFTWARE; THAT THEY ARE FREE FROM INTERUPPTION, VIRUSES OR OTHER CONTAMINATING OR DESTRUCTIVE PROPERTIES; THAT COULD DAMAGE YOUR COMPUTER SYSTEM; THAT THERE WILL BE NO DELAYS, FAILURES, OMISSIONS OR LOSS OF TRANSMITTED INFORMATION; OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED. YOU HAVE SOLE RESPONSIBILITY FOR ENSURING ADEQUATE PROTECTION AND BACK UP OF DATA AND/OR EQUIPMENT AND FOR UNDERTAKING REASONABLE AND APPROPRIATE PRECAUTIONS TO SCAN FOR COMPUTER VIRUSES OR OTHER DESTRUCTIVE PROPERTIES.

CHUBB GROUP AND THE OWNERS MAKE NO REPRESENTATIONS OR WARRANTIES AS TO THE ACCURACY, FUNCTIONALITY OR PERFORMANCE OF ANY THIRD PARTY SOFTWARE THAT MAY BE USED IN CONNECTION WITH THE WEB SITE.

Limitation of Liability – YOU UNDERSTAND AND AGREE THAT, TO THE EXTENT PERMITTED BY APPLICABLE LAW, CHUBB GROUP AND THE OWNERS WILL NOT, CONTINGENT OR OTHERWISE, BE LIABLE TO YOU OR TO THIRD PARTIES FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF USE OF DATA OR OTHER INTANGIBLE LOSSES (EVEN IF THE OWNERS HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES RESULTING FROM YOUR USE, RELIANCE ON OR INABILITY TO USE AND/OR ACCESS THE WEB SITE, ANY OF ITS CONTENTS OR SOFTWARE OR ANY PRODUCTS AND/OR SERVICES AVAILABLE ON IT); ANY COSTS OF OBTAINING SUBSTITUTE PRODUCTS AND/OR SERVICES RESULTING FROM THE LOSS OF DATA OR FROM PRODUCTS OR SERVICES PURCHASED THROUGH THE WEB SITE; ANY STATEMENT OR CONDUCT OF ANY THIRD PARTY OR ANY OTHER MATTER RELATING TO THE WEB SITE, ITS CONTENTS OR SOFTWARE OR ANY PRODUCTS AND/OR SERVICES AVAILABLE THROUGH IT. YOU UNDERSTAND AND AGREE THAT BY USING THE WEB SITE, YOU AGREE TO WAIVE YOUR RIGHT TO SUE THE OWNERS OR OTHER CHUBB GROUP COMPANIES FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THE WEB SITE. NOTHING IN THESE TERMS OF USE OPERATES TO LIMIT ANY LIABILITY OF THE OWNERS OR OTHER CHUBB GROUP COMPANIES ARISING FROM (I) DEATH OR PERSONAL INJURY CAUSED BY OR ARISING FROM NEGLIGENCE; AND (II) FRAUD.

Notices – Any notices to you from the Owners regarding this Web Site or the Policies and Statements will be posted on the Web Site or made by e-mail or regular mail.

Indemnification – You agree to indemnify, defend and hold harmless the Owners and their respective officers, directors, employees, contractors, agents, licensors, service providers, subcontractors and suppliers from and against any and all losses, liabilities, expenses, damages and costs, including reasonable attorneys' fees and court costs, arising or resulting from your use of the Web Site or any violation of the Policies and Statements. If you cause a technical disruption of the Web Site or the systems through which the site is transmitted to its users, you agree to be responsible for any and all losses, liabilities, expenses, damages and costs, including reasonable attorneys' fees and court costs, arising or resulting from that disruption. The Owners and Chubb Group reserve the right, at their own expenses, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with the Owners and/or Chubb Group in the defence of such matter.

Electronic Communications – When you visit this Web Site or send e-mails to us, you are communicating with us electronically. We will communicate with you by e-mail or by posting notices on this Web Site. You consent to us communicating with you electronically and agree that all notices, disclosures and/or other communications that we provide to you electronically satisfy any requirement (by contract or otherwise) for such communications to be in writing.
Entire Agreement – These Terms of Use, the Privacy Policy Statement and other Policies and Statements appearing on this Web Site from time to time constitute the entire agreement between the Owners and you in connection with your use of this Web Site and supersedes any prior versions of these documents. The Owners may update these Terms of Use and the Policies and Statements from time to time by amending the same on this Web Site without notice and your subsequent use of the Web Site indicates your acceptance of those amended terms. These Terms of Use and the Policies and Statements may be terminated by the Owners at any time without notice but the disclaimers and limitations of liabilities set out above will survive termination. These Policies and Statements will be deemed to include all other notices, policies, disclaimers and other terms contained in this Web Site. In the event of any conflict between these Terms of Use and the terms of the other Policies and Statements, these Terms of Use prevail.

Third Party Purchases Governed by Separate Agreement – The terms and conditions governing your purchase of any goods or services from any third party companies or financial institutions through this Web Site shall be governed by a separate agreement between you and the relevant third party including any Chubb Group company.

Age and Location of User – All information and contents available on this Web Site are solely directed to individuals 18 years of age or older residing in Hong Kong. Information on this Web Site is not intended for use outside of Hong Kong. Any use of the Products and Services, Contents and Software is prohibited where they are not allowed by law.
This Web Site Contains A Binding Arbitration Provision Which May Be Enforced By The Parties.

Dispute Resolution – Any dispute, controversy or claim arising out of or relating to these Terms of Use and/or the Policies and Statements, or the breach, termination or invalidity of any of these, shall be settled by arbitration in accordance with the UNCITRAL Arbitration Rules currently in force and the terms set out in the remainder of this paragraph.
The appointing authority shall be Hong Kong International Arbitration Centre ("HKIAC"). The place of arbitration shall be in Hong Kong at HKIAC. Any such arbitration shall be administered by HKIAC in accordance with HKIAC Procedures for Arbitration in force at the date you accept these Terms of Use and the Policies and Statements. The language of the arbitration proceedings shall be English.

Governing Law, etc. – These Terms of Use and the Policies and Statements are governed by the laws of Hong Kong. If any provision is deemed by a court of competent jurisdiction to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.

Accounts, Passwords and Security – If you have been given the option to open an account on this Web Site which will provide you with access to password protected portions of the site and you elect to do so, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form, and choose a password and user name. You are solely responsible for maintaining the confidentiality of your password and account and for any and all activities that occur under your account. You agree to: (a) immediately notify the Owners of any unauthorised use of your account or any other breach of security of which you become aware; and (b) exit completely from your account at the end of each online session. Neither Chubb Group nor the Owners make any warranty whatsoever to you, express or implied, regarding the security of the Web Site, including but not limited to the possibility of any unauthorised persons intercepting and/or accessing any information transmitted by you through this Web Site. The Owners will not be liable for any loss that you may incur as a result of anyone other than you using your password and/or account, whether with or without your knowledge. However, you may be held liable for any losses incurred by the Owners or another Chubb Group company as a result of this. You may not use the account of another person at any time without the permission of that person.

Inconsistency in Wordings – In the event of any ambiguity or inconsistency between the English and the Chinese versions of these Terms of Use, the English version shall prevail.