By using any service of this website, you accept and agree to this Statement. Therefore, you should read the terms of this Statement before using the services of our website.
Limitation of Liability
In any circumstances, the Companies and their members shall not be responsible for or liable to any kind of loss or damages that may arise in any connection with your use of this website, including but not limited to any direct, indirect, special, incidental, third party, punitive or consequential damage. Without limiting the foregoing, the Companies shall not be responsible for any detrimental reliance that you may place upon this website or its contents whatsoever. Certificates of insurance issued are non-cancellable by the Company or by the Insured Person except in the circumstances of non-receipt of the premium by the Company. No refund of premium will be made once the Certificate of Insurance has been issued and coverage becomes operative.
The Companies or any other information provider possess the copyright of all information and materials provided in this website. Without prior written consent by the Companies, you are not allowed to modify, reproduce, store in a retrieval system, transmit, copy, distribute or use any information or materials provided in this website.
The information and materials provided by the Companies or any other parties in this website are for general information purpose only and subject to change without prior notice. The Companies do not guarantee the accuracy or completeness of the information and materials in this website. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a purpose or freedom from computer viruses is given in connection with such information and materials.
This website may be linked to other websites which are not maintained by the Companies. Such links are provided for your convenience and reference only. The hyperlink to any other website is not an endorsement or indication of verification by the Companies of such website or its contents. Such websites are accessed at your own risk.
The Companies, as the data controllers, undertake in data management policies and practices of the Companies, to observe the spirit of the data protection principles and to comply with the requirements of Personal Data Protection Act (Privacy Law) of Macau. All files related to personal data shall be stored according to the relevant provisions for retention period or destroyed after the retention period.
After the Companies collect from you, either electronically or in hard copy format, information that can personally identify you, for the purpose of providing insurance service, the personal data collected from you may be transferred among different units within the Companies or to the following third party(ies): (1) any agent, contractor or third party service provider who provides administrative, telecommunications, computer, or other services to the Companies in connection with the operation of its business; (2) any person / authority to whom the Companies under an obligation to make disclosure under the requirements of any law binding on the Companies.
You can submit a signed request to access or make correction of your personal data held by the Companies. The Companies have the right to charge a reasonable fee for processing data access requests.
Website Privacy Statement
We only collect personal data relevant to our operations in order to deliver our services. The personal data collected from you may be transferred among different units within the Companies or to the following third party(ies): (1) any agent, contractor or third party service provider who provides administrative, telecommunications, computer, or other services to the Companies in connection with the operation of its business; (2) any person / authority to whom the Companies under an obligation to make disclosure under the requirements of any law binding on the Companies.
If you only visit our website, rather than implement its software to submit an application, we will not record identifiable information nor collect from you other personal information such as name and address.
This statement does not extend to external websites that have been linked from our website. It is suggested that you refer to the privacy statements of those external websites.
Our website uses SSL protocol to encrypt data during network transmission to protect your personal data from unauthorized or accidental access.
When you browse our website, our website system may log down information from your browser, such as your IP address, access date and time. The purpose of collecting this information is for information security and internal record.
Although every effort is made to secure network communications, we cannot guarantee the privacy of online communications, including the potential risks that the data will be seen or used by unauthorised third parties. Individuals using online services should also take steps to protect personal information, such as closing the web browser when finishing the use of the site; ensuring password(s) are kept securely and not disclosed to anyone else. If you have any concern on the above-mentioned risks, we recommend you to use alternative methods or channels other than the Internet (e.g. visiting our customer service centre) for the provision of your information to us.