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Terms of Use

MSIG Club Membership Terms & Conditions

 

Please read this information carefully.

 

Terms of Use

 

This section sets out the terms of use of this website ("Website"). Access to this Website is deemed to be confirmation that you understand and agree to be bound by all of the following terms and conditions.

 

Where "MSIG" or "三井住友保險" is used in this Website, it means MSIG Insurance (Hong Kong) Limited unless otherwise stated.

 

MSIG shall not be responsible to any one for any costs, liabilities and losses whatsoever arising from the use of this Website, unless those costs, liabilities and losses are directly and proven to be caused by the fraud, gross negligence and/or deliberate false representation of MSIG.

 

All information contained in this Website shall only be used for reference only. You should not treat it as any advice given by MSIG. MSIG reserves the right to change any information of this Website without prior notice.

 

The information contained in this Website shall not in any event constitute an offer. It can only be seen as an invitation for you to make an offer to MSIG, whereby you are offering to purchase the insurance products and services as provided by MSIG. MSIG reserves the final right to decide whether or not to accept your offer.

 

Governing Law and Jurisdiction

 

Unless otherwise expressly set forth in this Website, MSIG does not made any representation that: (i) materials in this Website are appropriate for use in any location outside Hong Kong; or (ii) the products and services available through this Website comply with the laws of any country outside Hong Kong.

 

In the event that the jurisdiction you are in imposes restrictions on our services or do not permit access to the contents of this Website, you shall comply with such restrictions or forthwith discontinue access (as the case may be) hereto. Unless otherwise provided, MSIG shall not be liable to any person in any way for accessing this Website.

 

By accessing this Website and/or using the services offered through this Website, you shall be deemed to agree that the laws of Hong Kong, including without limitation, the provisions of the Electronic Transactions Ordinance (Cap. 553), shall govern such access and the provision of such services; and you shall be deemed to agree to submit irrevocably to the jurisdiction of the courts of Hong Kong.

 

Disclaimer

 

MSIG has taken all reasonable precautions to ensure that the information contained in this Website is current, accurate and complete on the date of publication. No representations or warranties are made (expressed or implied) as to the reliability, accuracy or completeness of such information. Unless there is fraud, gross negligent and/or deliberate false representation contained in any information of this Website, MSIG does not take any responsibility for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing in this Website.

 

In viewing and/or printing any information available to you in this Website, and/or in using any of the services provided by our system, you are solely responsible for bearing the relevant liabilities and risks.

 

MSIG does not warrant the safety and accuracy of this Website; nor does it warrant that this Website is free from any errors, defects, viruses and/or other malicious programs or macros.

 

Any product details contained within this Website are for reference only. For details, terms and conditions relating to the products, please refer to the policies. MSIG will be happy to provide specimen of the policies upon request.

 

Use of Information and Materials

 

No content in this Website should be regarded as an offer or solicitation by MSIG to sell investments products in any country to any person where it is unlawful for MSIG to make such offer or solicitation to such person in such country.

 

E-mails

 

MSIG does not guarantee the successful delivery or safety of any e-mails issued by any persons to MSIG. In the event of misdelivery or leakage of information during the process, MSIG shall not take any responsibility thereof.

 

Online Services

 

Your usage of your password to access your policy records represents your acceptance of our Online Services. The Password will be recognized and deemed as your electronic signature and will be legally binding. Such act also represents that you accept electronic records and data will be admissible as original documents in any Court of law in Hong Kong and that you will not challenge or dispute the accuracy or authenticity of such records and data maintained by MSIG.

 

MSIG shall not be liable for any failure to carry out online instructions which is attributable, wholly or in part, to any cause beyond the control of MSIG including but not limited to any equipment malfunction or failure. Under no circumstances shall MSIG be responsible to the users for any direct, indirect or consequential losses arising from or in connection with the carrying out or otherwise of the users' online instructions.

 

By using our Online Services, you agree to all of our terms and conditions, including but not limited to: a) MSIG has reserved the right to add, delete or vary the scope of service provided online and any of the terms and conditions herein from time to time; and b) if MSIG decides to change the terms and conditions herein, MSIG shall give notice within this website of such amendment to the users and will specify a day on which such amendment shall take effect. If the user does not cancel the Online Service prior to the expiration of such period, the user shall be deemed to have agreed to such amendment.

 

MSIG may, at any time and at its sole discretion, without giving notice or reason suspend or terminate all or any of the Online Services, or their usage rights of particular users.

 

MSIG has the right to determine and vary from time to time the scope and type of Online Services to be made available on our corporate website including imposing and varying any restrictions on the use of the services, and prescribing and changing the normal service hours during which the services are available and any daily cut-off time.

 

Upon notice or suspicion of the Login ID and the Password being disclosed to any unauthorised person or any unauthorised use of the services being made, you shall notify MSIG as soon as practicable and, until our actual receipt of such notification, you shall remain responsible for any use of the services by unauthorised persons or for unauthorised purposes.

 

You are required to quote the Login ID, the Password and any other identifiers as shall be prescribed by MSIG in order to log into our services and give instructions to MSIG online. Instructions in connection with our services shall not be considered to be received by MSIG unless they are given in such manner as MSIG may prescribe from time to time and until MSIG have actually received them. Any instruction received after the cut-off time (as notified by MSIG to the Customer from time to time) shall be treated as if received the next following working day. Any instruction submitted on a holiday shall be treated as having been submitted the next working day after the holiday. All instructions once received and approved by MSIG may not be amended, canceled or withdrawn. All such instructions, as understood and acted on by MSIG in good faith, shall be irrevocable and binding on you whether given by you or by any other person. MSIG shall have no obligations or duty to verify authenticity of any instruction or the identity or authority of any person giving such instruction, other than to verify the Login ID, the Password and such other identifier (if any). MSIG will only act on an instruction insofar as it is in our opinion practicable and reasonable to do so and in accordance with its regular business practices and procedures. Instructions will be processed as soon as possible, but MSIG shall not be liable for any delay in processing any instruction. Instructions will be processed based on your account information and fund unit prices as at the processing date. Information relating to any account or transaction made available on our Online Services are for reference only. Our records of such account and transaction shall be conclusive unless and until the contrary is established.

 

MSIG shall not be liable for any loss, damage or expense or consequential loss, damage or expense suffered by you by virtue of any delay in acting on any instruction or for any inability to act as a result of any instruction being unclear or incomplete or you having failed to submit an instruction by the cut-off time specified by MSIG from time to time.

 

Transactions over the Internet

 

Transactions conducted through the internet may be subject to interruption, blackout, delay or error. MSIG shall not be responsible for any loss of accuracy or timeliness of any messages sent or transactions conducted through this Website arising from or in relation to any malfunctions in communication facilities that are out of the control of MSIG Hong Kong.

 

Downloading

 

MSIG does not warrant the absence of delays, failures, errors, omissions or loss in respect of any information transmitted through this Website. MSIG does not guarantee any of the following: a) no viruses or other contaminating or destructive properties will be transmitted through this Website; or b) no damage will occur to any computer system connecting to this Website. Users of this Website shall have sole responsibility in protecting and backing up their data and/or equipment; and in taking any precautionary measures against computer viruses or other contaminating or destructive properties as they think appropriate and necessary.

 

Links

 

Where a link to a non-MSIG website exists in this Website, MSIG shall not be responsible or liable in any way for the content of the linked website including any products, services or other items offered through that website.

 

System Services

 

MSIG shall not be liable for any failure to carry out system instructions which is attributable, wholly or in part, to any cause beyond the control of MSIG including but not limited to any equipment malfunction or failure. Under no circumstances shall MSIG be responsible to the users for any direct, indirect or consequential losses arising from or in connection with the carrying out or otherwise of the users' system instructions.

 

By using our system services, you are agreeing to all of our terms and conditions, including but not limited to: a) MSIG's rights to add, delete or vary the service provided and any of the terms and conditions herein from time to time; and b) if MSIG decides to change the terms and conditions herein, MSIG shall give notice within this Website of such amendment to the users and will specify a day on which such amendment shall take effect. If the user does not cancel the system service prior to the expiration of such period, the user shall be deemed to have agreed to such amendment.

 

MSIG has the right to determine and vary from time to time the scope and type of system services to be made available through this Website, including imposing and varying any restrictions on the use of the services, and prescribing and changing the normal service hours during which the services are available.

 

Copyright Notice

 

Unless otherwise stated, MSIG Insurance (Hong Kong) Limited owns the copyright of all contents contained within this Website. Where any webpage deals exclusively with general insurance products, the copyright of all contents on those pages belongs to MSIG Insurance (Hong Kong) Limited. All such contents are subject to the copyright laws of the relevant jurisdiction with all rights reserved.

 

You may download and/or print individual sections of this Website for personal use and reference only provided that you retain all copyright and other proprietary notices. You are not allowed to reproduce (whether in whole or in part), modify, decompile, disassemble or transmit or use for any commercial purpose whatsoever any information from this Website unless with MSIG's prior written consent.

 

Copyright and Trademarks

 

The contents in this Website are protected by copyright laws. Any person is prohibited from modifying, reproducing, transmitting, copying, distributing, using or storing in a retrieval system of any materials contained in this Website or any part thereof without the prior written consent of MSIG Hong Kong.

 

Any trademarks, logos and service marks and related intellectual property rights appearing in this Website are either owned by MSIG or other third parties; and shall not be used without the prior written consent of MSIG or such other third parties.

 

MSIG Insurance (Hong Kong) Limited (a member of MS&AD Insurance Group)

© Copyright 2014 MSIG Insurance (Hong Kong) Limited. All rights reserved.

Privacy Policy

MSIG Insurance (Hong Kong) Limited ("MSIG", "we" or "us") would ask that you take the time to read these terms and conditions carefully. In case of discrepancies between the English and Chinese versions of this statement, the English version shall prevail.

 

PRIVACY POLICY

 

MSIG takes your privacy very seriously. To ensure your personal information is secure, we communicate and enforce our privacy and security guidelines according to the relevant laws and regulations. MSIG takes precautions to safeguard your personal information against loss, theft, and misuse, as well as against unauthorised access, disclosure, alteration, and destruction. Furthermore, we will not sell your personal information to anyone for any purpose. MSIG imposes very strict sanction control and only authorised staff on a need-to-know basis are given access to or will handle your personal data, and we provide regular training to our staff to keep them abreast of any new developments in privacy laws and regulations.

We will only retain your personal data in our business records for as long as it is necessary for business and tax purposes as permitted by the laws. We will require our agent, contractor or third party who provides administrative or other services on our behalf to protect personal data they may receive in a manner consistent with this policy. We do not allow them to use such information for any other purpose. If you have any questions or inquiries regarding our privacy policy, please feel free to contact us.

We may amend this Privacy Policy at any time and for any reason. The updated version will be available by following the 'Privacy Policy' link on our website homepage at www.msig.com.hk. You should check the Privacy Policy regularly for changes.

Personal Information Collection Statement
Personal information is data that can be used to uniquely identify or contact a single person. As our customers, it is necessary from time to time for you to supply us with your personal data in relation to the general insurance services and products ("the Product") that we provide to you and in order for us to deliver and improve the customer service. This includes but not limited to the personal data contained in the proposal form or in any document in relation to the Product or any claim made under the Product.

Your personal data may be used for obligatory purpose or voluntary purpose. If personal data are to be used for an obligatory purpose, you MUST provide your personal data to MSIG if you want MSIG to provide the Product. Failure to supply such data for obligatory purpose may result in MSIG being unable to provide the Product.

The obligatory purposes for which your personal data may be used are as follows:-

  • processing and evaluating your insurance application and any future insurance application you may make;
  • our daily operation and administration of the services and facilities in relation to the Product provided to you;
  • variation, cancellation or renewal of the Product;
  • invoicing and collecting premiums and outstanding amounts from you;
  • assessing and processing claims in relation to the Product and any subsequent legal proceedings;
  • exercising any right of subrogation by us;
  • contacting you for any of the above purposes;
  • other ancillary purposes which are directly related to the above purposes; and
  • complying with applicable laws, regulations or any industry codes or guidelines.


The voluntary purposes for which your personal data may be used are any sales, marketing, promotion of other general insurance services and products provided by MSIG. The personal data we intend to use for voluntary purposes are your name, your address, your phone number and email address. We cannot use your personal data for voluntary purposes without your consent.

In connection with any of the above purposes, the personal data that we have collected might be transferred to:

  • third party agents, contractors and advisors who provide administrative, communications, computer, payment, security or other services which assist us to carry out the above purposes (including medical service providers, emergency assistance service providers, telemarketers, mailing houses, IT service providers and data processors);
  • in the event of a claim, loss adjudicators, claims investigators and medical advisors;
  • reinsurers and reinsurance brokers;
  • your insurance broker;
  • our legal and professional advisors;
  • our related companies as defined in the Companies Ordinance;
  • the Hong Kong Federation of Insurers (or any similar association of insurance companies) and its members;
  • the Insurance Claims Complaints Bureau and similar industry bodies; and
  • government agencies and authorities as required or permitted by law.

 

In order to confirm the accuracy of your personal data, you agree to provide us with authorisation to access to and to verify any of your personal data with the information collected by any federation of insurance companies from the insurance industry.

Under the relevant laws and regulations, you have the right to request access to and to request correction of your personal data held by us. If you wish to exercise these rights, please write to our Data Protection Officer at 9/F Cityplaza One, 1111 King's Road, Taikoo Shing, Hong Kong.

If you have any enquiries or require assistance with this Personal Information Collection Statement, please call us at (852)3122-6922 or email to dpo@hk.msig-asia.com.

   
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