Terms of use Thank you for visiting our web site and we trust that you will find the services provided by us herein comprehensive and user friendly. Whilst we strive to provide you with high quality on-line general insurance products and services, you should read and understand the terms and conditions set out below before further using this web site. Such terms and conditions serve to clarify the limitations of our liabilities and our services in relation to this web site and explain to you our privacy policy in respect of your information received by us over the Internet. For the purposes of these Terms & Conditions, - "Web Site" means www.cbic.hk ; - "Company" means "China BOCOM Insurance Co., Ltd."; and - "Visitor" means any person accessing the Web Site. Use of Information and Materials The products and services offered in the Web Site are only offered in jurisdictions where and when they may be lawfully offered by the Company and the material on the Web Site is not intended for use by the Visitor located in or resident in jurisdictions which restrict the distribution of this material by the Company. The Visitor is required to observe any relevant restrictions. Nothing in the Web Site shall be regarded as an offer or solicitation to sell general insurance products and services in any jurisdiction in which such offer or solicitation is unlawful or in which any person making such offer or solicitation is not qualified to do so or to anyone to whom it is unlawful to make such offer or solicitation. The information contained in the Web Site is not intended to provide professional advice and should not be relied upon in that regard. The Visitor is advised to obtain appropriate professional advice where necessary. Any information, products or services supplied in the Web Site may be withdrawn or amended at any time without advance notice at the Company's absolute discretion. Anyone's eligibility for particular information, products and services is subject to the Company's final determination and absolute discretion. The Visitor should be considered acceptance of these terms and conditions set out herein by using the Web Site. The Visitor's continued use of the Web Site following the posting of any changes to these terms will mean the Visitor's accept of those changes. If the visitors do not accept these terms and conditions, please cease to use this web site and do not use the on-line services. Offer and acceptance All materials published on this web site in relation to the provision of general insurance products or services are mere advertisements or invitations to treat and should in no circumstances constitute an open offer on our part to any one in any part of the world. If the visitors apply for the use of any such services or products through this web site or through any other means, such application shall constitute an offer from the visitors to the Company subject to and incorporating the terms and conditions relating to the relevant services or products set out in this web site or contained in the relevant policy conditions and the Company shall have absolute discretion to accept or refuse the visitors' offer. In addition, the Company may deny the visitors' access to this web site or use of the services or products herein at any time without prior notice or any obligation to provide the visitors with a reason. Links to other sites Use of hyperlinks to other internet sites or resources are at the visitor's own risk. The contents, accuracy, opinions expressed, and other links provided at these sites are not investigated, verified, monitored, or endorsed by the Company. The Company expressly disclaims any responsibility for the accuracy, contents, availability or omission of information found on sites that link to or from the Web Site. It remains the Visitor's sole responsibility to make all enquiries and investigation before proceeding with any online or offline access or transaction with any of these third parties. The Company emphasises that all activities conducted via or at the Web Site are at the Visitor's own risk. The Company does not warrant the security of any information the Visitor may forward or be requested to provide to any third party. The Visitor is deemed to have irrevocably waived any claims against the Company for any loss or damage suffered as a result of any access to or interaction with any other web sites via the Web Site. Copyright, Trade Marks The Company and other parties own the trade marks, logos and service marks displayed on the Web Site and the Visitor is prohibited from using the same without written permission of the Company or such other parties. The materials on the Web Site are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the Company's prior written consent.

Disclaimer While every care has been taken in preparing the information and materials contained in the Web Site, such information and materials are provided "as is" without warranty of any kind either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from computer virus is given in conjunction with such information and materials. All liability of the Company howsoever arising (whether in contract, tort or negligence) from any such inaccuracies or errors is expressly excluded. It is the Visitor's sole responsibility to prevent, safeguard and ensure that no computer virus enters the Visitor's system and the Web Site. Internet Communications Messages sent over the Internet cannot be guaranteed to be completely secure. The Visitor shall bear the risk of any delay, loss, diversion, alteration or corruption of any message either sent to or received from or via the Web Site. The Company will not be responsible for any damages incurred. The Company is not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of the Web Site. Communications over the Internet may be subject to interruption, transmission blackout, delayed transmission due to Internet traffic or incorrect data transmission due to the public nature of the Internet or otherwise.

Privacy Policy 1. The Company's Pledge The Company strictly adhere to the requirements set out in the Personal Data (Privacy) Ordinance and other law in relation to visitors' and customers' information. In particular, the Company will follow the Data Protection Principles set out in Schedule 1 of the Personal Data (Privacy) Ordinance. 2. Collection and use of visitors' information   (a) Recording the visit When the visitors visit this web site, the Company will mark the record of such visit. This information will be used by the Company only for the following purposes:     (i) To record the visitors' Internet protocol address and the web-sites the visitors have visited for keeping statistics and for the Company to provide the visitors with promotional materials relating to our general insurance products or related services. The visitors may choose not to receive such promotional materials by contacting The Data Protection Officer of the Company.     (ii) To keep statistics of customers' preferences by use of "Cookies". "Cookies" are small bits of data that are automatically stored on the web browser in the visitors' computer that can be retrieved by this web site. Please rest assured, however, that no information stored on the visitors' hard disk can be retrieved by the Company. The use of "Cookies" is mainly intended to assist the Company's understanding of the visitors' interest in this web site. Should the visitors wish to disable these "Cookies", the visitors may do so by changing the setting on their own browser.   (b) When the visitors use or apply for our services If the visitors are our customer and are using the Company's services on-line, or if the visitors are a visitor and are applying for the Company's services on-line, the Company may collect information from the visitors. Failure to provide such information to the Company may result in the Company being unable to entertain such visitor's application for such services or products. Further, in case the visitors provide such information to the Company over the Internet, the visitors shall bear the associated risks which are set out under Internet Communications in the Terms of use. Also, in addition to carrying out the visitors' instructions to the Company or facilitating the process of the visitors' application for use of the services provided by the Company, information so collected from the visitors may also be used for purposes set out in the Personal Information Collection Statement. Other than the above purposes, the Company will not use information collected from the visitors for other purposes unless the visitors have expressly agreed to such purposes. 3. Protecting visitors' information   (a) Restriction on disclosure The Company will not disclose information collected from the visitors to any third party unless the Company have obtained the visitors' consent or are permitted or obliged to do so by law.   (b) Data security The Company only allows its authorized employees to have access to information collected from the visitors to ensure that such information will not be used for unauthorized purpose, or be altered or erased accidentally. The Company also uses encryption technology to protect transmission of your sensitive personal information.   (c) Retention of information The Company retains records of all on-line transactions for verification and checking purposes. When the information becomes unnecessary, the Company will destroy them. Personal Information Collection Statement 1. Purpose of Collections The personal data provided by visitors will be used by the Company for the purpose of assessing the visitors' application for this insurance products or services and other purposes incidental to such insurance products or services in order to allow the Company to provide the visitors with the related insurance services. The provision of personal data is on a voluntary basis but if the personal data provided by the visitors is not sufficient for the Company to process such application or for the Company to provide the related insurance services, then the visitors' application may have to be rejected. If there is any change in the data provided, please notify the Company immediately. 2. Classes of Transferees The personal data provided by the visitors will be made available to appropriate persons of the Company on a need-to-know basis. Apart from this, the information may only be disclosed to any related company or any other company carrying on related insurance or reinsurance business or an intermediary or claims personnel who is involved in the process of claims handling and investigation or other service providers incidental to the related insurance business or any association or federation of insurance companies. 3. Access to Personal Data The visitors have a right of access and correction with respect to their own personal data. The right of access includes the right to obtain a copy of the personal data subject to payment of a fee. 4. Enquiries Enquiries concerning the personal data collected by the Company and the request for access and correction should be addressed to:   Data Protection Officer   China BOCOM Insurance Co., Ltd. 16th Floor, Bank of Communications Tower, 231-235 Gloucester Road, Wanchai, HONG KONG.   Tel: (852) 2591 2938   Fax: (852) 2572 9728 or (852) 2831 9192   Email: dataprotect@cbic.hk Jurisdictions The Company maintains and operates this web site in The Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong") and the distribution or use of the information contained or services or products provided herein may be prohibited or restricted in other jurisdictions. The visitors using this web site outside Hong Kong should make independent investigations to ascertain whether the use of this web site or any services or products provided herein will contravene any local laws or regulations in any manner. If in doubt, the visitors should check with their local regulator or authority before further using this web site. These terms and conditions are governed by the laws of Hong Kong and any dispute shall be subject to the non-exclusive jurisdiction of the Hong Kong courts. If there is any conflict between the English and Chinese versions of these terms and conditions, the English version shall prevail.