1.1 In providing you access to the website, you agree to observe these Terms and Conditions below as well as any other specific terms and conditions for content or functionality that may be provided on the website.

1.2 Our website is for personal use by individuals only and must not be used in any way for commercial purposes. You are authorised to print a copy of any information contained on the website for your personal use, unless such printing is expressly prohibited by us.

1.3 We shall use all reasonable endeavours to ensure that the website will be available during the times set out in the website or elsewhere, PROVIDED THAT nothing herein should be construed or be deemed as a warranty by us that the website will be available (whether uninterrupted or available at all) during such specified times. Unless it is stated, we shall at any time, in our sole and absolute discretion and without prior notice, be entitled to temporarily suspend the operations of the website (for updating, maintenance and upgrading purposes or in the event of excess demand for the Website) or permanently without any liability whatsoever.

1.4 You must treat your username and password as confidential. If you know or suspect that anyone other than you knows your username and password you must promptly contact us. You will be responsible for any losses you incur as a result of your failure to keep your username and password secure.

1.5 We reserve the right to amend these Terms and Conditions from time to time. Amendments will be effective immediately upon being displayed on our website. Your continued use of the website will represent an agreement by you to be bound by the amended Terms and Conditions.

1.6 We may from time to time introduce new service and/or product through the website. By applying or using such new service and/or product when they become available, you agree to be additionally bound by the relevant terms and conditions in force governing the service and/or product.

1.7 We reserve the right to specify and at any time change the type, version or specification of any software, hardware or equipment that may be required to access and use the website. If your software, hardware or equipment does not meet such specifications, we have the right to exercise clause 1.8 below.

1.8 You acknowledge that we have the right to withdraw, suspend and/or terminate all or part of your access to the website at any time without notice. All disclaimers within these Terms and Conditions shall survive termination.

2.1 We will not be liable for any defect or default including Computer Virus in any equipment, computer or system interferences that may interfere with your use of the website, your telecommunication or computer system as well as ours, any certification authority provided by Internet Service Provider, telecommunication service provider or other service provider.

2.2 We do not accept responsibility unless arising under Hong Kong law for any loss or damage, however caused (including through negligence), which you may directly or indirectly suffer in connection with your use of the website, nor do we accept any responsibility for any such loss arising out of your use of or reliance by you on the accuracy or currency of any material or information contained on or accessed through our website.

2.3 We shall not be liable to you under any circumstance, in contract, tort (including negligence or breach of statutory duty) or otherwise regardless of the cause for (i) any increased costs or expenses, (ii) any loss of profit, business, contracts, revenues, (iii) any loss of use or (iv) any special indirect or consequential damage of any nature whatsoever suffered by you in the course of using the website.

2.4 The information and materials available on our website, including text, graphic, recommendations, models, illustrations, links or other items (collectively, the “Content”) is provided for general information only, and is provided without regard to the investment objectives, financial situation or particular needs of any particular person. You should not rely on nor use the Content as a basis for making decisions relating to your insurance and/or investment portfolio (as the case may be) without first assessing and verifying the data and information independently and/or consulting your independent Financial Adviser. We do not accept liability for any loss or damage arising directly or indirectly from the reliance on any Content contained on or accessed through our website.

2.5 The Content is provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, either express or implied, statutory or otherwise, except for information provided to you or information personal to you in your capacity as our customer.

2.6 Where Hong Kong law implies any condition or warranty, and that law prevents us from excluding or modifying our liability, we shall only be responsible for supplying the service again or paying reasonable costs for supplying that service again to you.

2.7 We shall do our best to protect information sent to us in accordance with our Privacy Policy, but we do not warrant or guarantee the information transmitted to us is secure, and you acknowledge and agree that such information is transmitted at your own risk. Once we receive the information sent to us, we will take reasonable steps to ensure the security of such information.

3.1 You agree to comply with all laws and regulations of Hong Kong and will also ensure that your access to the website is legal or not prohibited by laws that apply to you.

3.2 You must take your own precautions to ensure that the process that you employ for accessing our website does not expose you to the risk of any Computer Virus, device, software or routine that may damage your own computer system. We do not accept any responsibility for any interference or damage to your own computer system that arises in connection with your use of our website.

3.3 You will not use any Computer Virus, device, software or routine to interfere or attempt to interfere with the proper working of the website, and will not take any action that imposes an unreasonable or disproportionately large load on the website or its associated infrastructure (including any computers hosting or connected to the website).

3.4 You may not without our written permission sell information obtained from our website. If we consider that you are using this website for commercial purposes, we may suspend or withdraw your access immediately and, if appropriate, pursue legal action against you.

3.5 In order to provide you with products and financial services that are relevant to your requests, we must have accurate information from you. So, in providing information to us, you confirm that all data you have given is accurate and if you wish to correct or update the information you give us, you can do so by contacting us. If you provide false or misleading information or use another person’s e-mail or personal information for the purposes of falsely obtaining any of our products or services, then it may lead to termination or forfeiture of the product or services and may also result in legal action. We may terminate any services or products provided to you or others based upon your intentionally providing materially false information or acting under a false identity that you have supplied to us.

3.6 You must not do anything to corrupt, damage, interfere with or procure the unauthorized use of our website and you may not link any other website to our website without our permission.

3.7 You must not use any of the Company’s trade marks in part or whole where it causes the following: (a) has nothing to do with any activities, products or services which we are involved in; (b) causes or may cause confusion, misleads or deceives the public; or (c) disparages the Company or its information, products or services (including the Website).

4.1 The copyright in and to the Contents of our website (except for your personal data as our customer) is owned by or licensed for use by us. No part or parts of the Contents may be reproduced, distributed, published, modified, displayed, broadcasted, hyperlinked or transmitted in any manner or by any means stored in an information retrieval system without our prior written consent.

4.2 The trade and service marks displayed on our website are the sole and exclusive property of our Company and/or other relevant third parties. No right or licence is given for any reproduction or use of any such trade and service marks. Unless we say otherwise, any word or device to which is attached the TM or ™ symbol is a registered trade mark.

5.1 Our website may contain links to other websites (each a “Linked Website”). Such links are provided for convenience only and we do not undertake to ensure that such links remain current or are maintained.

5.2 We do not make any representations or warranties about any Linked Websites. Any Linked Website is independent from our website, and we have no control over, or responsibility with respect to the material or information provided or activities undertaken by any such Linked Website. We do not accept responsibility for any loss arising out of your use of or reliance on any material or information, or the accuracy or currency of such material or information, contained on any Linked Website, and accept no liability for the content or privacy practices associated with any Linked Website.

5.3 The presence of a link between our website and a Linked Website should not be construed as an endorsement, approval or recommendation by us of the owners or operators of that Linked Website, or of any information, graphics, materials, products or services referred to or contained on that Linked Website, unless and to the extent stipulated to the contrary. You are advised to make your own independent decision with regard to your interactions or communications with any Linked Website accessed through our website.

6.1 Our website may contain links to other websites (each a “Linked Website”). Such links are provided for convenience only and we do not undertake to ensure that such links remain current or are maintained.

7.1 “We”, “Our”, “Us” or the “Company” means Blue Insurance Limited and any companies of the same operating in Hong Kong.

7.2 “Website” means the internet-based portal owned and/or operated by us (including any secured section of the website accessible only by using an assigned user login detail and password) including any software application that extracts information from our website.

7.3 Computer Virus” means any computer code that would damage or corrupt the data or integrity of data, storage media, other computer programs or computer systems or network or disrupt, disable, harm, interfere or otherwise impede in any manner the operation of or communications between computer hardware, software, firmware, computers, computer systems or networks.

7.4 “Financial Adviser” means any person who is an authorised insurance broker in Hong Kong as defined under the Insurance Ordinance or licensed to perform regulated activities issued by the Securities and Futures Commission of Hong Kong, under the Securities and Futures Ordinance (Cap. 571).

7.5 “Unauthorised Use” means the act or conduct related to a computer referred to under the Crimes Ordinance (Cap. 200).

7.6 Words importing the singular include the plural and vice versa, words importing gender or the neuter include both genders and the neuter, and references to persons include bodies corporate or unincorporate.

7.7 Any capitalized letter of the word includes the lower case unless otherwise stated.