HomePageTerms of Use

Terms of Use

This website is owned and maintained by China Pacific Life Insurance (H.K.) Company Limited (the “Owner”, “we”, “us” or “our”). China Pacific Life Insurance (H.K.) Company Limited is authorised by the Hong Kong Insurance Authority to carry on long term business (as defined in the Insurance Ordinance) in the Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong”).

In general, this Website:

  • • provides users with access to an online collection of information and materials, which may include insurance applications and policy servicing forms and other information and materials related to insurance products and services ("Products” and “Services") respectively offered by us and/or other providers (if any); and
  • • contains text, pictures, graphics, logos, button items, images, works of authorship, and other information (collectively, "Contents"), and may provide access to certain proprietary software ("Software") used in connection with navigating and utilising the functionality offered through this Website.
  • • the servers of Website are located in Mainland China.
IMPORTANT NOTE:

This Website is intended for use only by users who are at least 18 years of age and who reside in Hong Kong. Any access to and use of this Website are subject to applicable laws and regulations, these Terms of Use (“Terms of Use”) and other policies and statements appearing on or referred to on this Website (together with the “Terms of Use”, collectively referred to as “Policies and Statements”) from time to time. If you choose to access or use this Website outside Hong Kong, you are advised that it may not be lawful in that jurisdiction for you to access or use the facilities available on this Website and the legal requirements of that jurisdiction may prohibit you from dealing or transacting through this Website.

Before the use of this Website, you should read the Policies and Statements carefully. If you do not agree to be bound by any of them, you are not authorised to use and access this Website, any of its Contents, Software or any other information contained thereon. Otherwise, your access to and use of this Website 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 Owner from time to time without advance notice. Products, Services, Contents and Software appeared on this Website may be altered from time to time. New products, services, contents or software may also be added to this Website. Unless otherwise indicated, such addition and alteration shall also be subject to these Policies and Statements effective upon the date of any such addition and alteration. In this regard, you are encouraged to review the Website periodically for any updates and changes.

Disclaimer

Unless otherwise specified, all information contained on this Website is for convenience only and does not constitute investment, financial or other professional advice or recommendations upon which a user may rely.

YOU USE THIS WEBSITE AT YOUR OWN RISK. ALL INFORMATION, PRODUCTS, SERVICES, CONTENTS AND SOFTWARE ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS. TO THE EXTENT PERMITTED BY APPLICABLE LAW, CHINA PACIFIC LIFE INSURANCE (H.K.) COMPANY LIMITED 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. CHINA PACIFIC LIFE INSURANCE (H.K.) COMPANY LIMITED MAKES NO WARRANTY AS TO THE ACCURACY AND TIMELINESS OF THE INFORMATION, CONTENTS AND SOFTWARE; THAT THEY ARE FREE FROM INTERRUPTION, 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.

WITH REGARD TO THE 3rd PARTY’S SOFTWARE THAT YOU MAY USE FOR ACCESS TO OR IN CONNECTION WITH THE WEBSITE, CHINA PACIFIC LIFE INSURANCE (H.K.) COMPANY LIMITED MAKES NO REPRESENTATIONS OR WARRANTIES AS TO THE ACCURACY, FUNCTIONALITY OR PERFORMANCE THEREOF.

Licence and Access

You are granted a non-exclusive, limited and personal licence to access and make personal use of this Website for non-profit making purpose but not to download (other than page caching) or modify it, or any portion of it, except with our express prior consent in writing. The licence so granted does not include any resale, derivative or commercial use of this Website or any part of its contents, including but not limited to any product listings, descriptions or prices, or any use of data mining, robots or similar data gathering and extraction tools.

Neither this Website 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 Owner. 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 the Owner, or third party content suppliers where applicable, without its express written consent. You may not use any meta-tags or any other "hidden text" utilising any of the name(s) of China Pacific Life Insurance (H.K.) Company Limited or the third party information suppliers, or any other service marks without the express written consent of their respective owners. Any unauthorised use will automatically terminate the permission or license granted to you under these Policies and Statements.

Products and Services

Certain Products and Services described on this Website are not available to all users or in all jurisdictions. EXCEPT AS EXPRESSLY STATED, ALL INFORMATION CONTAINED ON THIS WEBSITE SHOULD NOT BE TREATED AS AN OFFER TO SELL OR A SOLICITATION TO BUY ANY INSURANCE PRODUCT OR OTHER PRODUCT OR SERVICE BY THE OWNER. In addition, Products and Services of the Owner are available only in jurisdictions that any offer or solicitation to purchase or sell of which would not violate any applicable statutes or regulations in that jurisdiction. The Owner make no representation as to the suitability or appropriateness of any Products or Services for you. Please contact our licensed insurance intermediaries to find out which Products and Services are available to you. Notwithstanding, the Owner reserves the right to make final determination as regards whether or not you are eligible for any particular Product or Service.

This Website may provide certain summary descriptions or other helpful information regarding the Owner’s Products and Services. Such materials and information are not intended to be complete description and are intended to generally describe the Products and Services only and are subject in all respects to the specific terms and conditions of the insurance policy or product/service agreement to which they relate to. Complete policy terms are available upon your request. Your use of this Website does not affect the corresponding terms and conditions for the Products or Services and where there are any inconsistencies between those terms and conditions and these Policies and Statements, the terms and conditions shall prevail.

This Website may also 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.

Forward-looking statements may from time to time be provided on the Website. Any such statements made by or on behalf of China Pacific Life Insurance (H.K.) Company Limited reflect current views with respect to future events and financial performance only. They are subject to uncertainties and inherent risks that could cause actual results to differ materially from those contained in the forward-looking statement. China Pacific Life Insurance (H.K.) Company Limited makes no express or implied representation, warranty or guaranty as to the accuracy, timeliness, appropriateness or completeness of any information contained on this Website. The Owner may, at its sole discretion, modify or discontinue any of the Products and Services, or any portion thereof, with or without prior notice to you. In any event, the Owner will not be liable for any modification or discontinuance of any of the Products or Services.

Copyright

Except as otherwise expressly stated, China Pacific Life Insurance (H.K.) Company Limited and/or respective third party content/information suppliers retain the copyright of all Contents and Software appearing on this Website and all such copyrights are protected by local and international copyright laws. Compilation (including the collection, arrangement and assembly) of such Contents and Software is also the exclusive property of China Pacific Life Insurance (H.K.) Company Limited and/or respective third party content/information suppliers and they are protected by local and international copyright laws. We may, at our sole discretion, modify or discontinue any of the Content, or any portion thereof, with or without prior notice to you. In any event, we will not be liable for any modification or discontinuance of any of the Content.

We allow users to download information or Contents from this Website and print out a hard copy for your non-profit making personal use provided that you keep intact and do not remove, obscure or alter any copyright or other proprietary notices (including trademark, patent) contained therein. 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 or acquired from this Website, in whole or in part, including any text, images, audio and video in any manner, without the prior written authorisation of China Pacific Life Insurance (H.K.) Company Limited Company or the respective third party information provider who owns such information or is otherwise authorised to give such authorisation. Any unauthorised use of such information and/or Contents may violate copyright laws, trademark laws, the laws of privacy and publicity and relevant regulations and statutes in applicable jurisdiction(s). None of China Pacific Life Insurance (H.K.) Company Limited nor the respective third party information provider, 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 Website does not infringe rights of third parties.

Trademarks and Service Marks

The domain name of this Website and all logos, page headers, custom graphics and button icons, whether registered or not, are service marks, trademarks, logos, and/or trade dress owned by China Pacific Life Insurance (H.K.) Company Limited. All other trademarks, service marks, trade dress, product names, company names or logos, whether registered or not, on the Website are the property of their respective owners. You are not allowed to use any such trademarks, service marks, trade dress or other logos from this Website without the prior written authorisation of its respective owners.

Ownership of information submitted via this Website

Other than personal data, all information (including but not limited to questions, comments and suggestions) you transmit to us via this Website, whether by direct entry, submission, electronic mail or otherwise will become property of the Owner and will be treated as non-confidential and non-proprietary. Such information may be used for any purposes at the our sole discretion, including but not limited to reproduction, solicitation, disclosure, transmission, publication, broadcast and posting. We will be free to use any ideas, concepts, know-how or techniques contained in any communication you send to us for any purposes, including but not limited to using such information for product development and marketing purposes. You agree to waive all applicable rights you may have in any information you transmit to us via this Website or otherwise for the purposes of the maintenance of the Policies and Statements.

Proprietary Software

Any Software accessible through this Website may contain technology that is subject to strict controls pursuant to export control laws and regulations of Hong Kong and other countries and jurisdictions. They are the property of China Pacific Life Insurance (H.K.) Company Limited and/or its suppliers and is protected by local patent and copyright laws and international treaties where applicable. However, China Pacific Life Insurance (H.K.) Company Limited and/or its suppliers do not authorise the downloading or exportation of any software or technical data from this Website to any jurisdiction prohibited by such export controls laws and regulations. Any use of the Software by you other than as required to navigate and to utilise the intended functionality offered through this Website 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 Owner through this Website. China Pacific Life Insurance (H.K.) Company Limited reserves the right to modify or discontinue the Software available on the Website with or without prior notice to you. In any event, we will not be liable for any modification or discontinuance of any of the Software.

Connection to Website

You are solely responsible for providing and maintaining, at your own risk, option and expense, any hardware, software and communication lines required to access and use this Website. The Owner reserves the right to change the access configuration of this Website at any time without prior notice.

Prohibited Use

Any use or attempted use of this Website:

  • (i) for any unlawful, unauthorised, fraudulent or malicious purposes
    • a. that could either:
      1. i.damage, disable, overburden or impair any server or the network(s) connected to any server; or
      2. ii.interfere with any other party's use and enjoyment of the Website;
  • (ii) 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;
  • (iii) to access systems, data or information not intended by the Owner to be made accessible to a user;
  • (iv) to attempt to obtain any materials or information through any means not intentionally made available by the Owner; or
  • (v) for purposes other than for the purpose for which the Website was intended,
  • is prohibited.

In addition, your use of the Website is subject to your agreement that you will not:

  • (i) 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;
  • (ii) create a false identity for the purpose of misleading others or impersonate any person or entity, including but not limited to any representatives of China Pacific Life Insurance (H.K.) Company Limited, or falsely state or otherwise misrepresent your affiliation with a person or entity;
  • (iii) upload or transmit any Material that you do not have a right to reproduce, display or transmit under any law or contractual or fiduciary relationships;
  • (iv) 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;
  • (v) delete any author attributions, legal notices or proprietary designations or labels that you upload to any communication feature;
  • (vi) use the Website’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);
  • (vii) 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;
  • (viii) violate any applicable local or foreign law or regulations;
  • (ix) upload or transmit any Material that infringes any patent, trademark, service mark, trade secret, copyright or other proprietary rights of any party;
  • (x) delete or revise any Material posted by any other person or entity;
  • (xi) manipulate or otherwise display the Website by using framing, mirroring or similar navigational technology;
  • (xii) 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
  • (xiii) harvest or otherwise collect information about other parties, including but not limited to e-mail addresses.

The Owner reserves 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 Website and/or his/her account. China Pacific Life Insurance (H.K.) Company Limited may report to or cooperate with any legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong arising in connection with the use of this Website.

Compliance of Laws and Regulations and Right to Monitor

For the purpose of satisfying and discharging any requirements under applicable law, regulation, legal process or governmental request, China Pacific Life Insurance (H.K.) Company Limited reserves the right at all times to disclose your information collected via this Website as it deems necessary, or to edit, refuse to post or to remove any of your information or materials, in whole or in part, in its sole discretion.

The Owner reserves the right to monitor usage of this Website at any time as it thinks appropriate and to remove from the Website any information and/or materials that the Owner considers, in their sole discretion, inappropriate, defamatory or illegal, may subject the Owner to liability, may violate these Policies and Statements or that are inconsistent with the purpose of this Website. Notwithstanding, the Owner has no right to exercise editorial control over the contents of any third party's website, electronic mail transmission, news group or other material created by any third party or accessible over or through this Website.

Hyperlinks to Third Party Websites

This Website may contain hyperlinks to other websites owned and/or operated by parties other than China Pacific Life Insurance (H.K.) Company Limited. Unless specifically stated otherwise, provision of links to any third party’s sites does not imply any relationship or affiliation between the Owner and these website owners or their content providers. As we do not control, operate or maintain these websites, we do not verify their contents and are not responsible for their accuracy, timeliness or continued availability. Neither shall we 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 websites or its contents. We accept no liability for any claims and/or losses relating to any information, products or services described on or made available through these third party websites.

On this Website, there may be links to downloadable software sites provided to you for convenience only. It does not imply any relationship or affiliation between the Owner and the owners of those software or software sites. We are not responsible nor do we accept liability for any difficulties or consequences associated with downloading those software. Use of any downloaded software is subject to the terms of the licence agreement, if any, between the user and the software provider of that software (not China Pacific Life Insurance (H.K.) Company Limited).

Editorial Control of Third Party Contents

This Website may contain some information provided by third party content providers. In principle, the Owner has no editorial control or responsibility over such information. Therefore, any such information, e.g. opinions, statements, services or other information expressed or made available by third party content suppliers on this Website are those of such third party suppliers. The Owner never represents or endorses and cannot guarantee the accuracy, reliability, timeliness and even the continued availability or existence of such information, or represents or warrants that your use of such information will not infringe rights of other third parties.

Some information is collected automatically when you visit the Website 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 Website are used.

How We Use “Cookies” and Other Data Collection Tools

Cookies.The Owner may place electronic “Cookies” in the browser files of your computer or mobile device when you access our Website. Cookies are pieces of information that our Website transfers to your computer or mobile device to enable our systems to recognise your browser and to tailor the information on our Website to your interests. For example, if you previously visited our Website and accessed your account information or inquired about particular services over the Website, Cookies enable us to present information tailored to your account and/or those particular interests the next time you visit the Website. 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 Website. This analysis helps us better understand which areas of our Website are most useful and popular so we can plan improvements and updates accordingly. Third parties may use Cookies, web beacons, and other storage technologies to collect or receive information from our Website 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 Website?

We use Cookies to improve the functionality of this Website and to track information about how the Website 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 Website. Some functions on our Website cannot be used without Cookies, i.e. logging in or changing settings. Cookies need to be enabled for optimal use of the Website.
  • 2. We are unable to monitor visitor numbers for our Website without Cookies. Security and fraud risks on our Website increase without this information, which is something we wish to avoid.
  • 3. Cookies allow us to check how users access and navigate our Website. This is very important in order to make the Website 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 Website.

Types of Cookies

Cookies may be either "persistent" Cookies or "session" Cookies. This Website may use 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 Website, 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 Website 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 Website 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 Website, such as through the use of “clear GIFs” (small pieces of data that may be embedded in images on our Website that enable us to track your usage of our Website) and analysing “click stream” data (the virtual trail you leave behind while browsing the Internet and viewing our Website). We may use clear GIFs and click stream data to gather data about your visit to our Website 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 may still obtain a record of a visit. In addition to the information we may 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 Website, 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 Website) 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.

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 Website. 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 Website. We also may use other analytic means to evaluate our Website. 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.

Accounts, Passwords and Security

If you have been given the option to open an account on this Website which will provide you with access to password protected portions of the Web 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 Owner 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. China Pacific Life Insurance (H.K.) Company Limited does not make any warranty whatsoever to you, express or implied, regarding the security of the Website, including but not limited to the possibility of any unauthorised persons intercepting and/or accessing any information transmitted by you through this Website. The Owner 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 China Pacific Life Insurance (H.K.) Company Limited as a result of this. You may not use the account of another person at any time without the permission of that person.

Limitation of Liability

YOU UNDERSTAND AND AGREE THAT, TO THE EXTENT PERMITTED BY APPLICABLE LAW, CHINA PACIFIC LIFE INSURANCE (H.K.) COMPANY LIMITED 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 WE HAVE BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES RESULTING FROM YOUR USE, RELIANCE ON OR INABILITY TO USE AND/OR ACCESS THE WEBSITE, 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 WEBSITE; ANY STATEMENT OR CONDUCT OF ANY THIRD PARTY OR ANY OTHER MATTERS RELATING TO THE WEBSITE, ITS CONTENTS OR SOFTWARE OR ANY PRODUCTS AND/OR SERVICES AVAILABLE THROUGH IT. YOU UNDERSTAND AND AGREE THAT BY USING THE WEBSITE, YOU AGREE TO WAIVE YOUR RIGHT TO SUE CHINA PACIFIC LIFE INSURANCE (H.K.) COMPANY LIMITED FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THE WEBSITE. NOTHING IN THESE POLICIES AND STATEMENTS OPERATE TO LIMIT ANY LIABILITY OF CHINA PACIFIC LIFE INSURANCE (H.K.) COMPANY LIMITED ARISING FROM (I) DEATH OR PERSONAL INJURY CAUSED BY OR ARISING FROM NEGLIGENCE; AND (II) FRAUD.

Indemnification

You agree to indemnify, defend and hold harmless the Owner and its 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 Website or any violation of the Policies and Statements. If you cause a technical disruption of the Website 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. China Pacific Life Insurance (H.K.) Company Limited reserves the right, at its 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 China Pacific Life Insurance (H.K.) Company Limited in the defence of such matter.

Electronic Communications

When you visit this Website or send e-mails to us, you are communicating with us electronically. We may communicate with you by e-mail or by posting notices on this Website as we think fit. 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.

Third Party Purchases Governed by Separate Agreement

There may be 3rd party’s goods and services provided to you through the access of this Website. The terms and conditions governing your purchase of those goods or services from any third party companies or financial institutions shall be governed by a separate agreement between you and the relevant third party. Unless otherwise specified, nothing implies any relationship or affiliation between the Owner and these 3rd provider.

Dispute Resolution

Any dispute, controversy or claim arising out of or relating to these Policies and Statements, or the breach, termination or invalidity of any of these Policies and Statements, shall be settled by arbitration in accordance with the UNCITRAL Arbitration Rules currently in force.

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 Policies and Statements. The language of the arbitration proceedings shall be English.

Entire Agreement

These Policies and Statements, the Privacy Policy Statement and other policies and statements appearing on this Website from time to time constitute the entire agreement between the Owner and you in connection with your use of this Website and supsedes any prior versions of these documents. The Owner may update these documents from time to time without notice and your subsequent use of the Website indicates your acceptance of those amended terms. These documents may be terminated by the Owner at any time without notice but all relevant disclaimers and limitations of liabilities will survive termination.

Governing Law, etc.

These Policies and Statements are governed by the laws of Hong Kong and subject to the arbitration clause above, the court in Hong Kong shall have the exclusive jurisdiction over any dispute hereunder.

Others

If any provision of these Policies and Statements 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.

Inconsistency in Wordings

In the event of any ambiguity or inconsistency between the English and the Chinese versions of these Policies and Statements, the English version shall prevail.