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Thank you for visiting our web site and we trust that you will find the
services provided by us herein comprehensive and user friendly. Whilst we
strive to provide you with high quality on-line general insurance products
and services, you should read and understand the terms and conditions set
out below before further using this web site. Such terms and conditions
serve to clarify the limitations of our liabilities and our services in
relation to this web site and explain to you our privacy policy in respect
of your information received by us over the Internet.
For the purposes of these Terms & Conditions,
- "Web Site" means www.cbic.hk
;
- "Company" means "China BOCOM Insurance Co., Ltd."; and
- "Visitor" means any person accessing the Web Site.
Use of Information and Materials
The products and services offered in the Web Site are only offered in jurisdictions
where and when they may be lawfully offered by the Company and the material
on the Web Site is not intended for use by the Visitor located in or resident
in jurisdictions which restrict the distribution of this material by the
Company. The Visitor is required to observe any relevant restrictions.
Nothing in the Web Site shall be regarded as an offer or solicitation to
sell general insurance products and services in any jurisdiction in which
such offer or solicitation is unlawful or in which any person making such
offer or solicitation is not qualified to do so or to anyone to whom it
is unlawful to make such offer or solicitation.
The information contained in the Web Site is not intended to provide professional
advice and should not be relied upon in that regard. The Visitor is advised
to obtain appropriate professional advice where necessary.
Any information, products or services supplied in the Web Site may be withdrawn
or amended at any time without advance notice at the Company's absolute
discretion. Anyone's eligibility for particular information, products and
services is subject to the Company's final determination and absolute discretion.
The Visitor should be considered acceptance of these terms and conditions
set out herein by using the Web Site. The Visitor's continued use of the
Web Site following the posting of any changes to these terms will mean the
Visitor's accept of those changes. If the visitors do not accept these terms
and conditions, please cease to use this web site and do not use the on-line
services.
Offer and acceptance
All materials published on this web site in relation to the provision of
general insurance products or services are mere advertisements or invitations
to treat and should in no circumstances constitute an open offer on our
part to any one in any part of the world. If the visitors apply for the
use of any such services or products through this web site or through any
other means, such application shall constitute an offer from the visitors
to the Company subject to and incorporating the terms and conditions relating
to the relevant services or products set out in this web site or contained
in the relevant policy conditions and the Company shall have absolute discretion
to accept or refuse the visitors' offer. In addition, the Company may deny
the visitors' access to this web site or use of the services or products
herein at any time without prior notice or any obligation to provide the
visitors with a reason.
Links to other sites
Use of hyperlinks to other internet sites or resources are at the visitor's
own risk. The contents, accuracy, opinions expressed, and other links provided
at these sites are not investigated, verified, monitored, or endorsed by
the Company. The Company expressly disclaims any responsibility for the
accuracy, contents, availability or omission of information found on sites
that link to or from the Web Site. It remains the Visitor's sole responsibility
to make all enquiries and investigation before proceeding with any online
or offline access or transaction with any of these third parties. The Company
emphasises that all activities conducted via or at the Web Site are at the
Visitor's own risk. The Company does not warrant the security of any information
the Visitor may forward or be requested to provide to any third party. The
Visitor is deemed to have irrevocably waived any claims against the Company
for any loss or damage suffered as a result of any access to or interaction
with any other web sites via the Web Site.
Copyright, Trade Marks
The Company and other parties own the trade marks, logos and service marks
displayed on the Web Site and the Visitor is prohibited from using the same
without written permission of the Company or such other parties.
The materials on the Web Site are protected by copyright and no part of
such materials may be modified, reproduced, stored in a retrieval system,
transmitted (in any form or by any means), copied, distributed, used for
creating derivative works or used in any other way for commercial or public
purposes without the Company's prior written consent.
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Disclaimer
While every care has been taken in preparing the information and materials
contained in the Web Site, such information and materials are provided "as
is" without warranty of any kind either express or implied. In particular,
no warranty regarding non-infringement, security, accuracy, fitness for
a particular purpose or freedom from computer virus is given in conjunction
with such information and materials. All liability of the Company howsoever
arising (whether in contract, tort or negligence) from any such inaccuracies
or errors is expressly excluded.
It is the Visitor's sole responsibility to prevent, safeguard and ensure
that no computer virus enters the Visitor's system and the Web Site.
Internet Communications
Messages sent over the Internet cannot be guaranteed to be completely secure.
The Visitor shall bear the risk of any delay, loss, diversion, alteration
or corruption of any message either sent to or received from or via the
Web Site. The Company will not be responsible for any damages incurred.
The Company is not responsible in any manner for direct, indirect, special
or consequential damages arising out of the use of the Web Site.
Communications over the Internet may be subject to interruption, transmission
blackout, delayed transmission due to Internet traffic or incorrect data
transmission due to the public nature of the Internet or otherwise.
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Privacy Policy
1. |
The Company's Pledge
The Company strictly adhere to the requirements set out in the Personal
Data (Privacy) Ordinance and other law in relation to visitors' and
customers' information. In particular, the Company will follow the
Data Protection Principles set out in Schedule 1 of the Personal Data
(Privacy) Ordinance.
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2. |
Collection and use of visitors' information |
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(a) |
Recording
the visit
When the visitors visit this web site, the Company will mark the record
of such visit. This information will be used by the Company only for
the following purposes:
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(i) |
To record the visitors'
Internet protocol address and the web-sites the visitors have visited
for keeping statistics and for the Company to provide the visitors
with promotional materials relating to our general insurance products
or related services. The visitors may choose not to receive such promotional
materials by contacting The Data Protection Officer of the Company.
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(ii) |
To keep statistics of customers'
preferences by use of "Cookies". "Cookies" are small bits of data
that are automatically stored on the web browser in the visitors'
computer that can be retrieved by this web site. Please rest assured,
however, that no information stored on the visitors' hard disk can
be retrieved by the Company. The use of "Cookies" is mainly intended
to assist the Company's understanding of the visitors' interest in
this web site. Should the visitors wish to disable these "Cookies",
the visitors may do so by changing the setting on their own browser.
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(b) |
When the visitors use or apply for our services
If the visitors are our customer and are using the Company's services
on-line, or if the visitors are a visitor and are applying for the
Company's services on-line, the Company may collect information from
the visitors. Failure to provide such information to the Company may
result in the Company being unable to entertain such visitor's application
for such services or products. Further, in case the visitors provide
such information to the Company over the Internet, the visitors shall
bear the associated risks which are set out under Internet
Communications in the Terms of use. Also, in addition to carrying
out the visitors' instructions to the Company or facilitating the
process of the visitors' application for use of the services provided
by the Company, information so collected from the visitors may also
be used for purposes set out in the Personal
Information Collection Statement.
Other than the above purposes, the Company will not use information
collected from the visitors for other purposes unless the visitors
have expressly agreed to such purposes.
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3. |
Protecting visitors' information |
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(a) |
Restriction on disclosure
The Company will not disclose information collected from the visitors
to any third party unless the Company have obtained the visitors'
consent or are permitted or obliged to do so by law.
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(b) |
Data security
The Company only allows its authorized employees to have access to
information collected from the visitors to ensure that such information
will not be used for unauthorized purpose, or be altered or erased
accidentally. The Company also uses encryption technology to protect
transmission of your sensitive personal information.
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(c) |
Retention of information
The Company retains records of all on-line transactions for verification
and checking purposes. When the information becomes unnecessary, the
Company will destroy them.
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1. |
Purpose of Collections
The personal data provided by visitors will be used by the Company
for the purpose of assessing the visitors' application for this insurance
products or services and other purposes incidental to such insurance
products or services in order to allow the Company to provide the
visitors with the related insurance services. The provision of personal
data is on a voluntary basis but if the personal data provided by
the visitors is not sufficient for the Company to process such application
or for the Company to provide the related insurance services, then
the visitors' application may have to be rejected. If there is any
change in the data provided, please notify the Company immediately. Personal
data collected may include name, date of birth, identity card or passport number
or equivalent, address, telephone number, fax number, e-mail address etc.
The Company may use the personal data the Company collects from you for the following purposes:
(i) processing and evaluating your insurance application and any future insurance application you may make;
(ii) administering your insurance policy and providing services in relation to your insurance policy;
(iii) investigating, processing and paying claims made under your insurance policy;
(iv) invoicing and collecting premiums, deductibles for claim settlement and/or any outstanding amounts from you;
(v) executing the Direct Debit Payment Authorization for premium payment;
(vi) designing products/services for customers;
(vii) conducting market research for statistical or other purposes;
(viii) matching any data held which relates to you from time to time for any of the purposes listed herein;
(ix) conducting identity and/or credit checks and/or debt collection;
(x) carrying out other services in connection with the operation of the Company’s business;
(xi) promotion of insurance and/or financial products or services and/or providing of latest product privilege, new product and/or services information when they become available;
(xii) contacting you for any of the above purposes;
(xiii) other ancillary purposes which are directly related to the above purposes; and
(xiv) complying with applicable laws, regulations or any industry codes or guidelines.
Personal data will be collected only for lawful and relevant purposes and all practicable steps will be taken to ensure that personal data held by the Company is accurate. The Company will take all practicable steps to ensure security of the personal data and to avoid unauthorized or accidental access, erasure or other use.
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2. |
Classes of Transferees
The personal data provided by the visitors will be made available
to appropriate persons of the Company on a need-to-know basis. Apart
from this, the Company may disclose your personal data for the above purposes to the following classes of transferees:
(a) third party agents, contractors and advisors who provide administrative, communications, computer, payment, security or other services which assist the Company to carry out the above purposes (including medical service providers, emergency assistance service providers, telemarketers, mailing houses, IT service providers, bank for executing direct debit payment and data processors);
(b) in the event of a claim, loss adjudicators, claims investigators and medical advisors;
(c) in the event of default, debt collectors and recovery agents;
(d) insurance reference bureaus or credit reference bureaus;
(e) reinsurers and reinsurance brokers;
(f) your insurance broker (if you have one);
(g) our legal and professional advisors;
(h) our related companies;
(i) the Hong Kong Federation of Insurers (or any similar association of insurance companies) and its members;
(j) the Insurance Claims Complaints Bureau and similar industry bodies; and
(k) Government agencies and authorities as required or permitted by law.
The Company may also use and disclose your personal data otherwise with your consent.
“Related companies” in this form means the holding company of the China BOCOM Insurance Co., Ltd (Bank of Communications) which includes branches, subsidiaries, representative offices and/or any corporations or legal entity under the effective management control by the Bank of Communications and/or any subsidiaries and/or representative offices of China BOCOM Insurance Co., Ltd, wherever situated.
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3. |
Use of personal data for direct marketing
Unless with your consent, the Company or its related companies may not use your contact details, demographic information and policy details to contact you with direct marketing communications regarding financial and insurance products by mail, email, telephone or mobile message.
In case you consent us to use your personal data for direct marketing purpose, you may have right at any time in future withdraw your consent to the use and provision of your personal data for direct marketing. If you wish to withdraw your consent or opt out from our direct marketing list, please inform us in writing to below address. The Company shall, without charge to you, ensure that you are not included in future direct marketing activities.
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4. |
Access to Personal Data
The visitors have a right of access and correction with respect to
their own personal data. The right of access includes the right to
obtain a copy of the personal data subject to payment of a fee.
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5. |
Enquiries
Enquiries concerning the personal data collected by the Company and
the request for access and correction should be addressed to:
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Data Protection Officer
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China BOCOM Insurance
Co., Ltd.
18/F, Fairmont House, 8 Cotton Tree Drive, Central, Hong Kong
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Tel: |
(852) 2591 2938 |
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Fax: |
(852) 2831 9192 (General) |
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Email: |
dataprotect@cbic.hk
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Jurisdictions
The Company maintains and operates this web site in
The Hong Kong Special Administrative Region of the People's Republic of
China ("Hong Kong") and the distribution or use of the information contained
or services or products provided herein may be prohibited or restricted
in other jurisdictions. The visitors using this web site outside Hong Kong
should make independent investigations to ascertain whether the use of this
web site or any services or products provided herein will contravene any
local laws or regulations in any manner. If in doubt, the visitors should
check with their local regulator or authority before further using this
web site.
These terms and conditions are governed by the laws of Hong Kong and any
dispute shall be subject to the non-exclusive jurisdiction of the Hong Kong
courts.
If there is any conflict between the English and Chinese versions of these
terms and conditions, the English version shall prevail.
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