Please read these terms and conditions of use carefully before accessing or using this site. By accessing or using this site, you agree to be bound by these terms and conditions of use. If you do not wish to be bound by these terms and conditions of use, you may not access or use this site. These terms and conditions of use may be revised from time to time with such revisions becoming effective immediately upon posting of the revised terms and conditions of use. You agree to periodically review these terms and conditions of use to be aware of such revision and the continued access to or use by you of this site shall be deemed as conclusive acceptance by you of the revised terms and conditions of use.
1. Definitions and Parties
1.1 In these Terms and Conditions of Use:
the agreement by and amongst Convoy and the User constituted by acceptance by the User of these Terms and Conditions of Use.
means Convoy Financial Services Limited, its successors and assigns, as a product and service provider, operator and owner of this Site.
"Hong Kong SAR"
means the Hong Kong Special Administrative Region.
means other web sites or web pages linked to the Site or to which the User can gain access by activating hyper-links contained in the Site or any other means through the Site.
means this web site.
"Terms and any Conditions of Use"
means the terms and conditions of use contained herein subsequent modification, addition or alteration to the terms and conditions of use contained herein.
means any person who accesses this Site, whether or not such access leads to or results in the transaction of dealings between the User of the one part and Convoy or any of the third party content or service providers of the other part.
1.2 These Terms and Conditions of Use bind Convoy and the Users.
2. Use of this Site
2.1 Convoy's affiliation with any third party content or service providers on this Site should not be interpreted as a recommendation by Convoy to purchase or sell any insurance service or product or to make any other decision with a financial impact nor should such affiliation be interpreted as an endorsement by of their products or services. Except for information or services clearly identified as being supplied by Convoy, Convoy does not operate, control or endorse any third party content or services in any way.
2.2 The User accepts the sole risk of accessing and using this Site and the linked Site. It is the responsibility of the User to evaluate and bear all risks associated with the use of any content or services on or connected to this Site or the linked Sites including the reliance on the accuracy, completeness or usefulness of any content or services on or accessed or obtained through this Site or the linked Sites. The User's sole remedy for dissatisfaction with this Site or any content or services available on or through this Site is to stop using this Site and/or those particular services.
2.3 This Site is provided on an "as is" and "as available" basis and without any express or implied warranties save for those warranties implied or imposed by and which cannot be excluded or restricted under the laws of Hong Kong SAR. Convoy cannot and will not guarantee the service quality and performance of this Site or any content or services on or accessed or provided through this Site.
2.4 The User will comply with all applicable laws in Hong Kong SAR and any other relevant jurisdiction relating to the use of or access to this Site or the obtaining of products or services through such use or access.
2.5 The products and services described in this Site are not available outside Hong Kong SAR unless otherwise specified.
2.6 The User will not disrupt or interfere with this Site or servers or other software, hardware or equipment connected to or affiliated with this Site. The User will not collect or store personal data about other Users of this Site.
2.7 Convoy reserves the right to suspend the User's right to access or use any of the content or services of this Site.
2.8 If the User uses or accesses this Site as a representative of some other person:
a) all references in these Terms and Conditions to "User" shall be deemed to relate to both the person who is actually using or accessing this Site, as well as to the person whom he represents; and
b) the person actually using or accessing this Site warrants that he is duly authorised to do so by the person whom he represents.
3. Disclaimer, Limitation of Liability and Indemnity
3.1 Convoy disclaims any representation, warranty or responsibility in relation to the operation or quality of this Site and the Linked Sites, that this Site or the Linked Sites will be uninterrupted or error free, the accuracy, suitability or any other aspect of this Site and the Linked Sites and content or services on or accessed through this Site. To the extent permitted by law, Convoy expressly disclaims any warranties whether express or implied as to the title, fitness for a particular purpose, merchantability or standard of quality of this Site and any content, goods or services unless otherwise specifically mentioned in the Terms and Conditions of Use.
3.2 Convoy and its holding companies, associated companies, sister companies and subsidiaries expressly disclaim any liability for (i) any damage to or loss of data suffered by the User arising from the User's access to or use of the Site or the Linked Sites; and (ii) any claim based in contract, or otherwise for any loss of revenue (whether direct or indirect), loss of profits or any consequential loss whether of an economic nature or not including, without limitation, any such loss which the User suffers as a result of the access to and use of the Site or the Linked Sites and any error, inaccuracy, or computer virus in or introduced into the User's computer system by, through or in connection with the Site or the Linked Sites, failure of performance, omission, interruption, deletion, defect, delay in operation or transmission, communication line failure, theft or destruction or unauthorized access to, alteration of or use of record; and (iii) any claim relating to content, goods or services supplied, provided, sold or made available by or through the Site or the Linked Sites, and any disruption or suspension of the Site or any part thereof which is attributable to an event or circumstance beyond Convoy's control and including but without limitation, acts of God, war, flood, fire explosion, civil disobedience, governmental action, legislation not in force at the of the time of these Terms and Conditions of Use, restraints imposed by governments or any other regulatory authorities, labour disputes, trade disputes or delays of parties over which Convoy has no control.
3.3 The User agrees to indemnify, defend and hold harmless Convoy and its holding companies, associated companies, sister companies and subsidiaries against all losses, expenses, damages and costs, including legal fees, resulting from any violation of these Terms and Conditions of Use by the User.
3.4 Convoy has used all reasonable care and skill in compiling the content of its pages on this Site but gives no warranty as to the accuracy of any information on these pages and expressly disclaims any liability for any errors or omissions.
3.5 Through links contained in this Site, the User may gain access to the Linked Sites which are not maintained or controlled by Convoy. When the User activates any of these links, the User will leave this Site and gain access to the Linked Sites. The access or use of the Linked Sites by the User is entirely at his own risk and under no circumstance will Convoy accept any responsibility or liability for the Linked Sites.
4. Convoy and its Products
4.1 The User acknowledges that Convoy is an insurance broker whose business is to arrange insurance products and services for its clients. Convoy is not an insurance company, and does not underwrite any insurance risk, nor does it represent any insurance company in its dealings with the Users.
4.2 No insurance coverage shall be construed as bound, in force, applied for or assumed as a result of submission of data to Convoy unless and until notification of coverage has been sent to the User by Convoy or the insurance company.
4.3 The User acknowledges that an insurance contract differs from other contracts in that it is based on the utmost good faith of the parties and if the utmost good faith is not observed by the insured, the contract may be avoided by the insurer. The obligation to observe utmost good faith is a continuing one which does not cease on execution of the insurance contract. The insured is obliged (i) to disclose every fact which would influence the judgement of a prudent insurer in fixing the premium or in determining whether to underwrite the risk; (ii) not to misrepresent material facts and (iii) not to make fraudulent claims. A fact is material and requires disclosure to the insurer (even not asked or prompted by the insurer in the proposal form or any other communication between them or through Convoy) if it is relevant to the nature of the risk sought to be covered or to the recoverability of a claim under the policy which a prudent insured would take into account in deciding whether or not to place the risk with the proposed insurer.
4.4 The User is advised to exercise special care to check and re-check the correctness, accuracy and completeness of information provided by the User for the purpose of obtaining products and services through this Site. The User acknowledges that (i) Convoy has no knowledge of the existence of facts personal to or otherwise in respect of the User which are or may be material for disclosure to the Insurer and no course of dealings between the User and Convoy may impute any such knowledge to Convoy; (ii) the User will place no reliance on Convoy to advise or alert the User of facts which are or may be material for disclosure; (iii) the provision of any and all answers and statements in completing the proposal form, claim form, or any other material document are the User's own responsibility; and (iv) the provision of incorrect answers or information in completing the proposal form, claim form or any other material document may result in the contract of insurance being invalidated or void or claims being repudiated and lost of insurance coverage.
4.5 All products and services described in this Site or arranged by Convoy are subject to the terms and conditions of any applicable agreements. The User is advised to read these terms and conditions carefully and to satisfy himself that the User understands such terms and conditions thoroughly (and in appropriate case, seek professional advice on the meaning, operation and substantive effect of these terms and conditions) before the User contracts to obtain any such products or services. In case of doubt or if the User wishes to seek assistance, the User is encouraged to contact Convoy's customer service department.
4.6 Unless otherwise specified, products and services described in this Site are not available to persons who are not Hong Kong residents or who do not possess legal capacity to enter into contracts, such as minors. No contract purportedly to be entered into by these persons will bind Convoy.
4.7 Convoy expressly disclaims all liabilities for damages to and losses of data in connection with any person's access to and use of these pages and any claim based on contract or otherwise for any loss of revenue (whether direct or indirect), loss of profits or any consequential loss whether of an economic nature or not including, without limitation, any such loss arising from the access to and use of these pages or any communications through this Site or otherwise (except for information contained in the final version of the insurance policy arranged by Convoy) any error, inaccuracy, or computer virus introduced into the User's computer system by, through or in connection with these pages, failure of performance of this Site, omission, interruption, deletion, defect, delay in operation or transmission, any communication line failure, theft or destruction or unauthorized access to, alteration of or use of any record.
5. Collection and Use of Information
6. Refund Policy
6.1 General Insurance does not offer cooling off period, please choose and purchase the products after comprehensive consideration.
6.2 If there is no claim have been made during the insured period, refund for early policy cancellation is available for particular products. Premium refund proportion varies from different products and different residual policy enforcement period. Please confirm with us the exactly amount of the premium before making payment. For excess premium paid, we will only arrange the refund if the excess amount is equal to or more than HKD$20.
7.1 The agreement upon these Terms and Conditions of Use may be terminated by any party without notice at any time for any reason provided that the User will no longer access or use this Site after the User has terminated such agreement.
7.2 Any termination of this Agreement shall not discharge, prejudice or affect in any way any right which has accrued in favour of any party hereto or any claim which one party may have against the other parties in respect of any breach of the terms hereof occurring prior to such termination.
8. General Provisions
8.1 If any part of these Terms and Conditions of Use is held unenforceable, the unenforceable part shall be given effect to the greatest extent possible and the remainder of the Terms and Conditions of Use will remain in full force and effect.
8.2 These Terms and Conditions of Use are governed by the laws of Hong Kong SAR and the parties hereby submit to the non-exclusive jurisdiction of the courts of Hong Kong SAR.
Important Notice: please refer to the relevant policy contract regarding detailed terms and any exclusions in coverage.
Convoy is remunerated for its services by the receipt of commission paid by insurers. Your agreement to proceed with this insurance transaction shall constitute your consent to the receipt of commission by Convoy.
If there is any discrepancy between the English and Chinese versions of these Terms and Conditions of Use, the English version shall prevail.
Collection of Data
We may collect the data of customers and other individuals in connection with the purposes set out in this Statement. These customers and other individuals or data subjects may include the following or any of them (collectively “you”, “your”):
If the data requested by us is not provided, products or services may not be able to be provided (or continue to be provided) to you or to the relevant customer, applicant or person linked to you.
Use of Data
Personal data held are kept for the following purposes or any of them (which may vary depending on the nature of your relationship with us):
Information Collected from Minors
Information may be provided to us from minors. We will obtain prior consent from a person with parental responsibility for that minor.
Information Collected when you Visit our Websites
Disclosure of Data
The credit reference agency will use the above data supplied by us for the purposes of compiling a count of the number of mortgages from time to time held by you with credit providers in Hong Kong, as borrower, mortgagor or guarantor respectively and whether in the your sole name or in joint names with others, for sharing in the consumer credit database of the credit reference agency by credit providers (subject to the requirements of the Code of Practice on Consumer Credit Data approved and issued under the Ordinance).
Use and Provision of Data in Direct Marketing
We intend to use your data in direct marketing and we require your consent (which includes an indication of no objection) for that purpose. In this connection, please note that:
If you do not wish us to use or provide to other persons your data for use in direct marketing as described above, you may exercise your opt-out right by notifying us in writing to our Data Protection Officer.
Retention of Data
We ensure that your data is not kept longer than necessary for the fulfillment of the purpose of the data being collected and used.
We treat the security of handling and protecting your data, including sensitive data, with top priority. Your data is being safeguarded with strict security measures against unauthorised or accidental access, transfer, processing, use, erasure or loss. Encryption technology is adopted for data transmission.
Should we engage service provider(s) to handle or process data (whether local or overseas) on our behalf, we will adopt contractual or other means to prevent unauthorised or accidental access, transfer, processing, use, erasure or loss.
If you do not want your data held by us to be shared, transferred or kept anymore, you may make such request via writing to our Data Protection Officer.
Access and Correction of Data
Please address your request(s) for data access or correction, or for information about our data privacy policies and practices via writing to our Data Protection Officer at:
Convoy Global Holdings Limited
Trust Tower, 68 Johnston Road, Wan Chai, Hong Kong
In the event of any discrepancy between the English and Chinese versions of the Statement, the English version shall apply and prevail.
Version: July 2020
Your use of this Website (or Mobile App) is wholly at your own risk. This Website (or Mobile App) is provided on an "as is" basis with no representation, guarantee or agreement of any kind as to its functionality.
NO OFFER, SOLICITATION OR RECOMMENDATION OF FINANCIAL SERVICES OR PRODUCTS
TRANSMITTING OVER THE INTERNET
LINKED WEBSITES (OR MOBILE APP)
Any unit or price of a product, exchange rate, interest rate, dealing rate and other prices or information available in this Website (or Mobile App) or otherwise made available in response to an inquiry from you is for reference only and is not binding.
THIRD PARTY INTERNET USER SERVICES FOR CUSTOMER
LIMITATIONS OF THE INTERNET TECHNOLOGY