Terms of Use

Our website

Please read these terms and conditions of use carefully as they, together with our Security and Privacy Statement and your Duty of Disclosure (together called 'Terms of Use') govern your use of the website of Well Link General Insurance Company Limited ("Well Link Insurance") and Well Link Life Insurance Company Limited ("Well Link Life") (collectively as "we", "our" and "us") and pages at www.wli.com.hk.

By using our website you agree to and accept the Terms of Use in force at that time.

Additional terms and conditions may apply to the matters discussed on our website. These will be drawn to your attention when you browse our website.

If you have any questions about these Terms of Use please contact us by phone at +852 2884 8888 or by email at customerservice@wli.com.hk.

The terms 'our website' and 'our site' refer to the information, text, graphics, services and other data contained in and under the Uniform Resource Locator ("URL") www.wli.com.hk.

Our website is owned and operated by Well Link Insurance and Well Link Life.

General insurance for risks in Hong Kong is underwritten by Well Link Insurance (Licence No.: 1381337), an insurance company licensed to undertake general insurance in Hong Kong.

Long-term insurance in Hong Kong is underwritten by Well Link Life (Licence No.: 2463144), an insurance company licensed to undertake long-term insurance business in Hong Kong.

We have the right to change these Terms of Use from time to time and without specific notice to you.

Ownership of all materials on our website

We are the owner of all copyright, design, graphic and text arrangements, database rights and other intellectual property rights that exist in our website unless we otherwise say.

Images, logos, names and trademarks on our website are proprietary marks of Well Link Insurance and Well Link Life and/or any applicable relevant third party. Nothing on our website gives any person any licence or right to use any such image, logo, name or trademark and any such use may constitute an infringement of the rights of the proprietor and/or licensee.

You may not commercially exploit, publish, distribute, extract, re-utilise or reproduce any part of our website and no part of our website may be reproduced, stored, modified, adapted, uploaded to another location or produced for display in public in any form without our prior written approval.

If you participate in any discussion or forums on our website you confirm that any comments and suggestions made by you are our property that we can use your input without payment to you or any other person and that we are free to develop the concepts or similar concepts mentioned by you on our website. You also warrant that such use by us will not and do not infringe upon any third party's rights.

No advice

Our website does not provide you with any personal, financial, investment or any advice of any kind. Our website and the information it contains do not take into account your particular financial or insurance position or requirements and you should always obtain independent advice before acting upon any of the information contained on our website or other links contained on our website.

Availability and accuracy of our website

Some technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error-free access to our website at all times, that defects will be remedied, or that our website or the servers that makes our website available, are virus or bug-free.

While we have tried to ensure the accuracy and completeness of the content of the website, we cannot guarantee that our website will meet all your needs.

Our website and the information and materials contained in our website are provided on an 'as is' and 'as available' basis.

Access to and use of our website is at your own risk and we do not warrant that the use of our website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by any unauthorised third parties.

Without notice to you, we may suspend access to our website from time to time to allow for repair or maintenance or for other reasons.

If you access or use our website, you are responsible for your compliance with all local laws that apply to you. In particular, you are not allowed to access or transact on this website if your local laws prohibit the access or use of this website or renders illegal or unenforceable any product or service contained in it.

THE FOLLOWING PROVISIONS SHOULD BE READ CAREFULLY AS THEY EXCLUDE OR LIMIT OUR LEGAL LIABILITY IN CONNECTION WITH YOUR USE OF OUR WEBSITE. Nothing in these provisions attempts to exclude liability that is not allowed under applicable law.

We are not liable if you lose any content or material when uploading or transmitting it through our website.

We also cannot guarantee that we can or will provide a particular product or service at any particular time or price or that a product will be available at any time. We do not accept liability for withdrawing a product or service or for rejecting your application for a product or service for any reason.

We exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, (including without limitation that our website and all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use in any jurisdiction).

We (including all of our employees, officers and directors) exclude all liability in contract, tort (including negligence), statutory duty or otherwise to any person arising out of the use of, access to, or non- access to our website, or for any errors or omissions contained in our website or if our website is unavailable.

We (including all of our employees, officers and directors) shall not be liable for any direct or indirect economic losses or any loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings; goodwill or reputation or any special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of our website (even if they are notified to us); or non-compliance with or breach of these terms and conditions.

Site access and product purchase

This website is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of this website is prohibited. Those who choose to access this website do so on their own initiatives and shall be aware that, other than in Hong Kong, accessing this website may not be in compliance with the local law.

For those products and services that are only available for purchase in Hong Kong, our website is only intended for use by Hong Kong Citizens, Hong Kong Permanent Residents or foreign nationals residing in Hong Kong ('Hong Kong Residents') and (in case of general insurance) for insurance risk arising in or from Hong Kong only. Applications from non-Hong Kong Residents will not be accepted, unless otherwise stated.

To obtain access to certain online services you are given the opportunity to register with us through My Account. You are responsible for maintaining the confidentiality of your details and your password for restricting access to your computer to prevent unauthorised access to your account.

You accept responsibility and are fully liable for any activity that occurs under your account and you should take all steps to ensure your password is kept confidential. You agree to inform us immediately if you have reason to believe your password has been compromised or is being used in an unauthorised or illegal manner.

Product terms and conditions

The content of our website does not constitute an offer by us to sell products and services. Your request to purchase a product or service represents an offer by you which we may accept or reject on such terms and conditions in force at the time of our acceptance.

After you make a request through our website to purchase the product or service and assuming such product or service is available to you and your offer is accepted, you will receive confirmation of your purchase.

Unless we say so, the information and descriptions on our website do not necessarily represent complete descriptions of all terms, conditions and exclusions and the precise cover provided (as applicable). All these shall be included in the schedule of cover, policy documents and/or conditions of purchase issued to you. Such documents may be either physical or electronic.

If you apply for any product or service detailed on our website, these terms and conditions of use should be read in conjunction with any other terms or conditions relating to that product or service and, in the event of any contradiction between these conditions of use and the specific product or service conditions, the specific product or service conditions shall prevail.

All applications for a product or service detailed on our website are subject to and must comply with our normal approval criteria and are governed by the normal terms and conditions applying to each product or service requested. Please refer to our product Policy Detail for more information.

You must ensure that the details and information (especially in relation to payment) that you provide to us while using our website are correct and that there are sufficient funds to cover the cost of the product or service. In the case of requesting an automatic renewal the credit card you use must be your own and not in anyone else's name.

Transactions on our website

To the extent permitted by law you will receive all of your insurance documents electronically only (unless you make a specific request to us). There may be some insurance documents that we cannot deliver electronically due to legal and technological constraints. These will be posted or deliver to you (as the case may be).

Online transactions

On our website, you can make certain transactions online. This may be purchasing a policy, administering a policy, making a renewal payment or other transactions. These transactions will not be final until we receive and process your confirmation.

Your confirmation means any communication issued or transmitted by you to us via our website or other electronic means and which contains your acceptance in relation to our offer, or your confirmation of payment, whichever applies.

It is your responsibility to inform us of any change to your email address. It is also your responsibility to keep your email account active and capable of receiving new emails. We are not responsible for emails sent to an inactive or out of date email account, unless we are solely negligent.

Your confirmation of payment may not be received by us for reasons including mechanical, software, computer, telecommunications or electronic failure, or the omission or failure of other providers or systems which are outside the control of either of us. You acknowledge that to the extent permitted by law, we are not liable to you in any way for loss or damage, however caused, directly or indirectly, in connection with the transmission or submission of an electronic instruction through our website or any failure to receive an electronic instruction for any reason.

The credit card details that you provide to us may be retained after payment is made, but only for as long as is necessary to facilitate transactions between you and us. Except in exceptional circumstances any refund we provide to you for any product you have purchased by credit card is made back to the credit card account used to make the initial purchase.

We may refuse to process a transaction at any time and for any reason. To the extent permitted by law, we will not be liable to you or to any third party if we do this.

Purchasing insurance policies

IMPORTANT NOTICE: Before we provide cover, you must fully and faithfully tell us everything you know or could reasonably be expected to know that is relevant to our decision to give you the insurance, otherwise you may receive no benefit from your policy or we may cancel your policy and treat it as never having existed.

Where our website enables you to purchase insurance products or services online:

• you and us may enter into an insurance policy using our website, by you making an electronic offer via our website and by us electronically communicating our acceptance of that offer via our website to you;
• we may act on and process all completed electronic instructions transmitted or issued through our website without further consent from or reference to you; and
• we may treat an electronic instruction as authentic and we are under no obligation to investigate the authenticity or authority of persons issuing or transmitting such electronic instructions, or to verify the accuracy and completeness of such electronic instructions.

Creating a binding insurance contract with us via our website is a three step process:

1. the first step is to create a quote for the insurance product you are interested in and have selected. Upon completion by you of all required details, our website will provide you with a quote, identified by a quote number. This quote and quote number will remain valid and accessible on our website for the period as specified in the Premium Quote or the relevant email message provided to you;
2. if you wish to take out insurance in accordance with a quote provided to you by us via our website, then, upon completion by you of all required details, step two enables you to make a request and offer to us for the purchase of the relevant insurance product; and
3. step three is for us to accept (or reject) that request and if we accept, to create a binding insurance agreement with a corresponding policy number.

When entering into a contract via our website, we will be taken to have communicated our acceptance to your offer or request to purchase insurance only when:

• the electronic instruction containing the request and offer to purchase from you enters and is recorded in our main database;
• a record is created and stored in our database;
• a policy number is generated by us; and

we receive all required details of a current and valid credit card which you are authorised to use, which is of a credit card type accepted by us, and to which we are able to charge the total premium.

A binding insurance contract is conditional on us being able to successfully charge against your nominated credit card and our receiving payment of your applicable premium (either by a single payment or where permitted in instalments).

We may or may not issue a paper confirmation of the insurance policy. The existence of a binding contract is not conditional on us issuing, or you receiving, a paper confirmation of the transaction.

Payments

All payments for any insurance products, renewals, or other services purchased via our website must be paid in full by the due date specified in the relevant confirmation.

Unless otherwise provided for, all payments are required to be made by you using a type of credit card accepted by us at the time of purchase or renewal of the applicable insurance policy or service. You must therefore provide to us through our website details of your current and valid credit card, including:

• Credit card type;
• Name on credit card;
• Credit card number; and
• Expiry date.

You should not send us sensitive financial information like your credit card number by email.

My Account

My Account enables you to view, manage and request changes to your Well Link Insurance /Well Link Life insurance policies online. In addition to the overall Terms of Use, the specific terms in this section apply to My Account.

My Account is only accessible to you if you have 'logged in' by providing certain details as requested by us on the 'log-in', registration and/or authentication pages of My Account, relating to you and/or one of your insurance policies currently held with us. You will only be able to 'log-in' and use My Account if you hold at least one current Well Link Insurance/ Well Link Life insurance policy.

You must not provide details of your 'log-in' to any other person. You must not allow any other person to use your 'log-in'.

You must not use My Account to access or modify the details of another person without their authority. Criminal penalties may apply if you do so.

Use of personal information

Through your use of our website you agree that personal information that is provided will be dealt with in accordance with our Security and Privacy Statement.

Website Links

We may provide links to other websites that are not under our control. These links are provided for your information and convenience. When you activate these links, you will leave our website. We don't approve or recommend or take responsibility for the content on these third party websites or the availability of those websites and we will not be liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites, you do so at your own risk.

Our website may contain or link to information about special offers, deals or promotions by persons not related to or part of us. We don't sponsor, recommend or approve of any such third party offers or third party material associated with those offers.

Restrictions of Use

You must not use our website in any way that causes or is likely to cause access to our website to be interrupted or impaired in any way. You acknowledge and agree that you are responsible for all electronic communications sent from your computer.

When you use our website you must not either directly or indirectly or with or by any third party:

1. use our website for any purpose other than (a) as a legitimate customer or (b) for a non-commercial purpose;
2. take any action which may disrupt access to, cause damage, or interfere with the proper working of our website;
3. take any action that includes the use of any data accumulation tool, robot, spider or other automatic device or process to compile, disseminate, extract, process, monitor or copy any web pages from our website including any information, data, graphics or content;
4. use any automated process to aggregate or combine information, content or data contained within or accessible through our website with information, content or data accessible via or sourced from any third party;
5. take any action that places an unusually large load on the infrastructure of or bandwidth connecting to our website;
6. take any action that involves decompiling, reverse engineering, reverse assembling, attempting to reveal source code or other processes or formulas connected with our website and other software; or
7. copy, reproduce, alter, modify or display in public any part or content from our web site without our written approval.

Interference or entry to our website with intent to corrupt, damage or deny service from our website or for other commercial benefit shall be taken very seriously and we shall take such action as is necessary to protect our website from any such activities and to protect our intellectual property rights.

You acknowledge that damages may not be an adequate remedy for any infringement of such rights by you and that we are entitled to the remedies of injunction, specific performance, orders to deliver up infringing copies and any other statutory or equitable relief for any threatened or actual infringement and that no posting of security or proof of special damages is necessary for reliance on such remedies.

You must only use our website to:

1. obtain insurance quotes for yourself or your immediate family;
2. obtain information relating to the price of insurance cover from us for yourself or your immediate family or friends; or
3. conduct insurance related transactions or queries in respect of insurance cover for you or a member of your immediate family (with their prior consent).

You must not otherwise use our website to obtain insurance quotes or to obtain other information relating to the price of insurance cover from us or conduct other insurance related transactions or queries.

You may not insert a hyperlink to our website. The name and logo of Well Link Insurance and/or Well Link Life must not be used by you in any way, including advertising or publicity relating to any material on this website.

You also agree to indemnify us in respect of any liability incurred by us for any cost damage or expense, however caused, suffered by us as a result or consequence of your breach of these Terms of Use.

Amendment to these Terms of Use

These Terms of Use may be updated from time to time and we are not obliged to specifically contact you or notify you of any changes to our website or to these Terms of Use.

You accept that by our posting of the new terms on our website that we have provided you with sufficient notice of variation. By use of our website after any variation, you have agreed to and accepted the new Terms of Use. We suggest that you check these Terms of Use whenever you visit our website.

YOU ACCEPT THESE TERMS OF USE BY PROCEEDING TO USE AND/OR BY TRANSACTING ON THE WEBSITE. If any provision of these Terms of Use is unlawful, void or unenforceable for any reason the particular provision shall be deemed deleted and will not affect the validity or enforceability of the remaining terms and conditions of use.

Monitoring of telephone calls and emails

Telephone calls and email correspondence with us as a result of your access to our website may be recorded for training purposes and to assist in the prevention of fraud. By using such communication methods you are consenting to such activities taking place.

Jurisdiction and law

This website is not intended for use by persons located or resident in any jurisdictions where the availability of information in this website is prohibited (by reason of the person’s nationality, place of residence or otherwise). Subject to the above, the products and services posted on this website are intended for citizens of Hong Kong, Hong Kong permanent residents and foreign nationals residing in Hong Kong.

Nothing in this website shall be construed as an offer to sell or solicitation to buy or provision of any product or service outside of Hong Kong. Well Link Life, Well Link Insurance, and its affiliates do not offer or sell any insurance product or other product or service (collectively "Product") in any other jurisdiction in which such offering or sale of the Product is illegal under the laws of such jurisdiction. If any Product is offered / sold by Well Link Life, Well Link Insurance or its affiliates in any jurisdiction in which such offering or sale is illegal (under the laws of such jurisdiction), such offering or sale shall neither be effective nor valid.

Unless otherwise expressly set forth herein, Well Link Life, Well Link Insurance and its affiliates have not made any representation that: (i) materials on this website are appropriate for use in any location outside Hong Kong; or (ii) the Products 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 Products 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. Well Link Life, Well Link Insurance and its affiliates shall not be liable to any person in any way for visiting this website.

These terms and conditions shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region. You agree that the courts of Hong Kong shall have jurisdiction over any disputes arising from the use of this website.

No third party who has not agreed to be bound by these Terms of Use shall have any right at law in any jurisdiction to enforce any of the above Terms of Use.

Indemnity and waiver

If you breach these Terms of Use (including without limitation, as a result of a falsified policy delegation consent), you agree to indemnify us for any and all loss that we may suffer and for any costs and expenses that may be incurred by us as a result from or consequence of your breach.

If you breach these Terms of Use and we do not take immediate action against you, we are still entitled to enforce our rights and remedies in respect of any such breach or any subsequent breach.

My acknowledgment

You acknowledge and accept that your use of our website indicates your acceptance of these Terms of Use.

These are the current Terms of Use. They replace any previous Terms of Use published on our website. You acknowledge that we are under no obligation to specifically notify you of any variation to these Terms of Use. You accept that by using our website after any variation to these Terms of Use, we have provided you with sufficient notice of the variation and you are taken to have accepted the new Terms of Use.