Legal statement

Please read these terms and conditions carefully before using this web site. Zurich Insurance (Hong Kong) reserves the right, at its sole discretion, to change, modify or remove part of this legal notice at any time. Please check this page periodically for changes. Zurich Insurance (Hong Kong) represents collectively Zurich Assurance Ltd (a company incorporated in England and Wales with limited liability), Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability), Zurich International Life Limited (a company incorporated in the Isle of Man with limited liability), Zurich Life Insurance (Hong Kong) Limited (a company incorporated in Hong Kong with limited liability), and their subsidiaries and associated companies.

Disclaimer

THE MATERIAL AND INFORMATION IN THIS SITE AND IN THE SITES OF THE ENTITIES OF ZURICH INSURANCE (HONG KONG) ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. ZURICH INSURANCE (HONG KONG) DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. ZURICH INSURANCE (HONG KONG) DOES NOT REPRESENT OR WARRANT THAT ANY OF THE INFORMATION PRESENTED ON ITS WEB PAGES, THIS WEB SITE OR ON THE INTERNET GENERALLY, WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEB SITE OR THE SERVER FROM WHICH IT IS ACCESSED ARE FREE FROM VIRUSES, WORMS, TROJAN HORSES OR OTHER HARMFUL COMPONENTS.

In no event shall Zurich Insurance (Hong Kong) be liable for any cost or direct, indirect, special, incidental or consequential damages arising out of or in connection with the use of, or the inability to use this web site. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page set up by any entity of the Zurich Insurance (Hong Kong) is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use. You are advised to consult your own legal or tax advisor with respect to your personal situation.

Intellectual property

Unless otherwise noted, the trademarks, trade names, logos, graphic images, button, layout, and text contained in this web site and any of the sites of Zurich Insurance (Hong Kong) are the exclusive property of Zurich Insurance (Hong Kong) and may not be used, copied or distributed, in whole or in part, without the express written consent of Zurich Insurance (Hong Kong). Permission is granted to print copies of the contents of this web site, and to display and use the contents of this web site with a computer solely for personal use.

Jurisdictional issues

Unless otherwise expressly set forth herein, Zurich Insurance (Hong Kong) makes no representation that materials in this web site are appropriate for use in any location. Those who choose to access this web site do so on their own initiatives and are responsible for compliance with local laws.

The information contained in this web site is not an offer to sell. No security or other insurance product is deemed in any way to be offered, marketed, solicited for sale, or purchased or sold in any jurisdiction in which such offer, marketing, solicitation, purchase or sale would be unlawful under the securities, insurance or other applicable laws of such jurisdiction.

Hyperlinks

Zurich Insurance (Hong Kong) cannot guarantee that the hyperlinks, pointer or other linking functions ("Hyperlink") set out in the web sites will be accurate at the time of your access. Moreover, the web sites pointed at by Hyperlinks are developed and possibly maintained by persons over whom Zurich Insurance (Hong Kong) has no control. Zurich Insurance (Hong Kong) cannot and does not monitor the sites linked to its web pages on the Internet. Accordingly, Zurich Insurance (Hong Kong) assumes no responsibility for the contents of any such third-party sites. Zurich Insurance (Hong Kong) believes that making Hyperlinks available to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. You may not provide Hyperlinks to this web site without prior written consent of Zurich Insurance (Hong Kong).

Data protection

Zurich Insurance (Hong Kong) is committed to respecting the privacy of your personal information and, considering current technology, has taken all reasonable measures to do so. Zurich Insurance (Hong Kong) is not obligated to monitor any transmission made through the respective web pages and newsgroups. However, Zurich Insurance (Hong Kong) has the right, but not the obligation, to monitor any transmission made to and from this web site. Zurich Insurance (Hong Kong) may reproduce, use, distribute or disclose information other than personal information transmitted to this site or collected through the use of this web site. You acknowledge that such information shall be deemed to be non-confidential and that your communication may be read or intercepted by others. You acknowledge that no obligation of any kind shall be attached to such information and that by transmitting information, no confidential, contractually implied or other relationship is created between you and Zurich Insurance (Hong Kong).

Software quality

Zurich Insurance (Hong Kong) does not warrant that any information, software or other material accessible through its web pages is free of viruses, worms, Trojan horses or other harmful component. Zurich Insurance (Hong Kong) assumes no responsibility and shall not be liable for any direct, indirect, incidental or consequential damage that results from the use, access to, browsing in or downloading of any information, data, text, images or other material accessible through this web site or the web site of any linked third parties.

User conduct

When accessing or making use of any service provided on the web pages, you may not:

post or transmit any unlawful, threatening, abusive, libellous , defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation, any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any local, national or international law;
post or transmit any information or software which contains a virus, worm, Trojan horse or other harmful component; restrict or inhibit any other user from using the web site; or
post, publish, transmit, reproduce, distribute or exploit any information, software or other material obtained through our web pages for commercial purposes other than expressly permitted.

Update of legal information

This page is updated and modified from time to time. Every time you access web pages of Zurich Insurance (Hong Kong), please make sure you check this page.

Last update of this page: September 2021