Legal information

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.

DISCLAIMER

THE MATERIAL AND INFORMATION IN THIS SITE AND IN THE SITES OF OTHER ENTITIES OF Zurich Insurance (Hong Kong) ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. Zurich Insurance (Hong Kong) ITS SUBSIDIARIES AND AFFILIATES DISCLAIM 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 WEBSITE OR ON THE INTERNET GENERALLY, WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE 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 website. 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 an 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. Consult your own legal or tax advisor with respect to your personal situation.

INTELLECTUAL PROPERTY

Unless otherwise noted, the graphic images, button, layout, and text contained in this Web site and in the sites of other Zurich Insurance (Hong Kong) companies or their related, affiliated and subsidiary companies are the exclusive property of Zurich Insurance (Hong Kong) and/or its related, affiliated and subsidiary companies or used with permission and may not be copied or distributed, in whole or in part, without the express written consent of Zurich Insurance (Hong Kong) or its related, affiliated and subsidiary companies. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal use.

HYPERLINKS

Zurich Insurance (Hong Kong) and its related, affiliated and subsidiary companies cannot guarantee that the hyperlinks, pointer or other linking functions (¨Hyperlink¨) set out in the sites will be accurate at the time of your access. Moreover, the sites pointed at by Hyperlinks are developed and possibly maintained by persons over whom Zurich Insurance (Hong Kong) or its related, affiliated and subsidiary companies have no control. We cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, Zurich Insurance (Hong Kong) and/or its related, affiliated and subsidiary companies assume no responsibility for the content of any sites referenced to by any Hyperlink or otherwise. Zurich Insurance (Hong Kong) and/or its related, affiliated and subsidiary companies believe that their 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 website without prior written consent of Zurich Insurance (Hong Kong).

DATA PROTECTION

Zurich Insurance (Hong Kong) and/or its related, affiliated and subsidiary companies are 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) and/or its related, affiliated and subsidiary companies are not obligated to monitor any transmission made through the respective Web pages and newsgroups. However, Zurich Insurance (Hong Kong) and/or its related, affiliated and subsidiary companies have the right, but not the obligation, to monitor any transmission made to and for this website. Zurich Insurance (Hong Kong) and/or its related, affiliated and subsidiary companies may reproduce, use, distribute or disclose information transmitted to this site or collected through the use of this website. 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) and/or its related, affiliated and subsidiary companies.

SOFTWARE QUALITY

Zurich Insurance (Hong Kong) and/or its related, affiliated and subsidiary companies do not warrant that any information, software or other material accessible through one of their Web pages is free of viruses, worms, Trojan horses or other harmful component. Zurich Insurance (Hong Kong) and/or its related, affiliated and subsidiary companies assumes no responsibility and shall not be liable for any, direct, indirect, incidental or consequential damages that result from the use, access to, browsing in or downloading of any information, data, text, images or other material accessible through one of its Web pages, this website or the website 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 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 website.
• interfere with the functioning of this Site or restrict or inhibit any other user from using this Site.
• post, publish, transmit, reproduce, distributor exploit any information, software or other material obtained through our Web pages for commercial purposes other than expressly permitted.

JURISDICTIONAL ISSUES

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

The information contained in this website is not offer to sell or solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sales would be unlawful under the securities, insurance or the laws of such jurisdiction.

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) and/or its related, affiliated and subsidiary companies, make sure that you check this page.

Last update of this page: March 2012