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):
a) considering and processing applications for products and services and the daily operation of products and services (including credit facilities provided to you or the relevant customer linked to you);
b) conducting credit checks or assessments whenever appropriate (including, without limitation, at the time of application for credit and at the time of regular or special reviews which normally will take place one or more times each year) or conducting matching procedures (as defined in the Ordinance);
c) creating and maintaining our credit, risk or related models;
d) providing reference;
e) assisting other financial institutions to conduct credit checks and collect debts;
f) ensuring your ongoing credit worthiness;
g) researching, customer profiling and segmentation and/or designing products and services (including financial, insurance, securities, investment and related products and services) for our use;
h) marketing services, products and other subjects (see Section: Use and Provision of Data in Direct Marketing);
i) determining amounts owed to or by you;
j) exercising our rights under the contract(s) with you, including collecting amounts outstanding from you;
k) meeting our obligations, requirements or arrangements or those of any member of the Group, whether compulsory or voluntary, to comply with or in connection with:
l) complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within the Group and/or any other use of data and information in accordance with any programmes for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities;
m) conducting any action to meet our obligations or those of any member of the Group to comply with Laws or international guidance or regulatory requests relating to or in connection with the detection, investigation and prevention of money laundering, terrorist financing, bribery, corruption, tax evasion, fraud, evasion of economic or trade sanctions and/or any acts or attempts to circumvent or violate any Laws relating to these matters;
n) enabling an actual or proposed assignee of the Group, or participant or sub-participant of our rights in respect of you to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation;
o) any other purposes relating to the purposes listed above.
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
2. Statistics on visitors to our websites - When you visit our website, your visit even only as a “hit” will be recorded. The webserver makes a record of your visit that includes your IP addresses (and domain names), the types and configurations of browsers, language settings, geo-locations, operating systems, previous sites visited, and time/duration and the pages visited (webserver access log).
3. The webserver access log will be used for the purpose of maintaining and improving our website such as to determine the optimal screen resolution, most visited page(s), etc. Such data will only be used for website enhancement and optimisation purposes.
4. We do not use, nor has intention to use the visitor data to personally identify anyone.
5. For the purpose of Mobile Application services, unless the context otherwise requires, references in this Statement to "the Group’s Website" shall be read as reference to "the Group’s Mobile Application".
Disclosure of Data
1. Data held by us will be kept confidential, but we or a member of the Group may transfer or disclose such data to the following parties (whether within or outside Hong Kong) for the purposes set out in previous paragraph:
a) any agents, contractors, subcontractors, or associates of the Group (including their employees, officers, agents, contractors, service providers and professional advisors);
b) any third party service providers who provide services to us or any member of the Group in connection with the operation or maintenance of our business (including their employees and officers);
c) any authorities, any law enforcement agencies or regulatory bodies for compliance with applicable laws, rules, regulations, codes and guidelines or any person or entity to whom we or any member of the Group are under a binding obligation to satisfy a legally enforceable demand for disclosure under the requirements of any law, rule, regulation, code, guideline;
d) any person under a duty of confidentiality to us or any member of the Group which has undertaken to keep such information confidential;
e) any person receiving payment from you, the banker of such person and any intermediaries which may handle or process such payment;
f) any persons acting on your behalf whose data are provided, payment recipients, beneficiaries, account nominees, intermediary, correspondent and agent banks, clearing houses, clearing or settlement systems, market counterparties, upstream withholding agents, swap or trade repositories, stock exchanges, companies in which you have an interest in securities (where such securities are held by us or any member of the Group) or any persons making any payment into a customer’s account;
g) credit reference agencies, and, in the event of default, to debt collection agencies;
h) any persons to whom we or any member of the Group are under an obligation or required or expected to make disclosure for the purposes set out in previous paragraph;
i) reinsurers or medical service providers;
j) trustee(s) of any unit trust or any collective investment plan, registrar or custodian, or any insurance companies that work with us to provide you with any service, or any central securities depository or registrar that holds securities on your behalf;
k) any party enters into or proposes to enter into the transaction for and on your behalf;
l) any actual or proposed assignee of ours or participant or sub-participant, transferee, delegate, successor or party of our rights in respect of you; or
m) for marketing services, products and other subjects:
2. With respect to data in connection with mortgages applied by you (if applicable, and whether as a borrower, mortgagor or guarantor and whether in your sole name or in joint names with others) on or after 1 April 2011, the following data relating to you (including any updated data of any of the following data from time to time) may be provided by us, on its own behalf and/or as agent, to a credit reference agency:
a) full name;
b) capacity in respect of each mortgage (as borrower, mortgagor or guarantor, and whether in your sole name or in joint names with others);
c) identity card number or travel document number;
d) date of birth;
e) correspondence address;
f) mortgage account number in respect of each mortgage;
g) type of the facility in respect of each mortgage;
h) mortgage account status in respect of each mortgage (e.g., active, closed, write-off (other than due to a bankruptcy order), write-off due to a bankruptcy order); or
i) if any, mortgage account closed date in respect of each mortgage.
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:
1. the name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data of the data subject held by us from time to time may be used by us in direct marketing;
2. the following classes of services, products and subjects may be marketed:
a) financial, insurance, securities, investment, provident funds or schemes or related services and other related products, services or facilities;
b) reward, loyalty or privileges programmes and related services and products;
c) services and products offered by our co-branding partners; and
d) donations and contributions for charitable and/or non-profit making purposes.
3. the above services, products and subjects may be provided (in the case of donations and contributions) by us and/or:
a) any member of the Group;
b) third party financial institutions, insurers, credit card companies, securities, commodities and investment services providers;
c) third party reward, loyalty, co-branding or privileges programme providers;
d) co-branding partners of ours or any member of the Group; and
e) charitable or non-profit making organisations.
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.
1. In the event of any default of payment relating to an account, unless the amount in default is fully repaid or written off (other than due to a bankruptcy order) before the expiry of 60 days from the date such default occurred, the account repayment data may be retained by the credit reference agency until the expiry of seven years from the date of final settlement of the amount in default.
2. In the event any amount in an account is written-off due to a bankruptcy order being made against the data subject, the account repayment data may be retained by the credit reference agency, regardless of whether the account repayment data reveal any default of payment lasting in excess of 60 days, until the expiry of five years from the date of final settlement of the amount in default or the expiry of five years from the date of discharge from a bankruptcy as notified by the data subject with evidence to the credit reference agency, whichever is earlier.
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
1. You have the right to ascertain whether we hold data about you, to obtain a copy of some or all of your personal data, and to correct your personal data which you consider as inaccurate, by writing to our Data Protection Officer.
2. Under and in accordance with the terms of the Ordinance and the Code of Practice on Consumer Credit Data, in addition to the right set out in the above, you also have the right:
a) to be informed on request which items of data are routinely disclosed to credit reference agencies or debt collection agencies, and be provided with further information to enable the making of an access and correction request to the relevant credit reference agency or debt collection agency; and
b) in relation to any account data (including, for the avoidance of doubt, any account repayment data) which has been provided by us to a credit reference agency, to instruct us, upon termination of the account by full repayment, to make a request to the credit reference agency to delete such account data from its database, as long as the instruction is given within five years of termination and at no time was there any default of payment in relation to the account, lasting in excess of 60 days within five years immediately before account termination. Account repayment data include amount last due, amount of payment made during the last reporting period (being a period not exceeding 31 days immediately preceding the last contribution of account data by us to a credit reference agency), remaining available credit or outstanding balance and default data (being amount past due and number of days past due, date of settlement of amount past due, and date of final settlement of amount in default lasting in excess of 60 days (if any)).
3. We may impose reasonable fee for data access request in accordance with the Ordinance.
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
39/F, Lee & Man Commercial Center, 169 Electric Road, North Point, 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: May 2019
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