Disclaimers and Terms of Use 免責聲明及使用條款

Read the following Disclaimers and Terms of Use carefully before using this website. By using this website you agree to abide by these Disclaimers and Terms of Use. If you choose not to accept the terms of these Disclaimers and Terms of Use, you have no right whatsoever to use this website and you have to stop using this website immediately.


In these Disclaimers and Terms of Use, unless the context requires otherwise, the following words and expressions have the following meanings:


“Everbright Sun Hung Kai” is referring to Everbright Sun Hung Kai Company Limited and its respective holding companies, subsidiaries and associates including Sun Hung Kai Insurance Agency Limited, collectively referred to as "EBSHK".


Sun Hung Kai Insurance Agency Limited, being an insurance agent, licensed under the Insurance Ordinance (Chapter 41 of the Laws of Hong Kong) (Insurance Agency License No.: FA2265).


This website is provided by EBSHK and is proprietary to EBSHK and/or its website vendors. This website is protected by copyright and other applicable intellectual property laws and international treaties. No unauthorised use, copying or tampering is allowed.


EBSHK and its information vendors endeavour to ensure the accuracy and reliability of the information provided by them, but accept no liability whatsoever (whether in tort or contract or otherwise) for any loss or damage arising from any inaccuracies or omission.


This website is provided on an “as is” basis. Therefore EBSHK and/or its website or information vendors will not be liable for any bugs, malfunction or any other form of deficiency or error arising from this website. EBSHK may at any time change, add to, delete or suspend the provision of the information, functions, products and service of and through this website without prior notice or liability to you.


EBSHK does not make any representation or warranty as to the accuracy, truthfulness or reliability of or endorse any third parties’ advertisements, information or contents displayed on, contained in, distributed through, or linked to, downloadable or accessible from or via this website. EBSHK cannot and does not guarantee or otherwise make any representation or warranty as to the quality, merchantability, suitability or fitness for a particular purpose in respect of any third party’s products or services advertised or otherwise accessible via this website. EBSHK will not accept any liability whatsoever arising out of or in connection with such products or services.


EBSHK will require third-party insurance company or underwriting companies to provide policy related information for its record or reference, so as to provide the following services: (i) deal with inquiries about the policy coverage or relevant policy terms and conditions; (ii) follow up claims; or (iii) other services provided by general insurance brokers. If you purchase or apply for any insurance product via this website, it means that you agree EBSHK to obtain policy related information from relevant third party insurance company or insurance company, without having to obtain further written or verbal approval from you.


The quotation provided via this website by EBSHK is for reference only and not binding unless and until the relevant insurance companies have accepted any offer of purchase or application for any insurance products made by the user.


If any user or visitor provides any information to this website, the user or visitor will be deemed to have guaranteed EBSHK that such information is accurate, complete, current, and is not misleading in terms of any material facts.


There is no refund available for purchasing the insurance provided in this website. Please email to insurance.agency@ebshk.com for any special case.


Should there be any inconsistency between the English and Chinese versions of these Disclaimers and Terms of Use, the English version shall prevail.


To view the details or other notices, please visit https://www.ebshkdirect.com/hk/web/en/ or https://www.ebshkfg.com/hk/web/en/.