Website terms and conditions

1. Web site user agreement
Insur-Union Insurance Brokers Limited ("Insur-Union") registered in Hong Kong, owns and operates this Web site. For the purposes of these Terms and Conditions "We", "Our" and "Us" refers to Insur-Union. Please review these Terms and Conditions carefully before using this Web site. Your use of this Web site indicates your agreement to be bound by these Terms and Conditions.

2. Data protection
Any personal information you supply to Us when you use this Web site will be used in accordance with Our Privacy Policy.

3. Property rights
All Insur-Union trademarks, copyright, database rights and other intellectual property rights in the materials on this Web site (as well as the organization and layout of this Web site) together with the underlying software code are owned either directly by Us or by Our licensor. Without Our prior written permission, you may not copy, modify, alter, publish , broadcast, distribute sell or transfer any material on this Web site or the underlying software code whether in whole or in part. 

4. Acceptable use
You may only use this Web site in accordance with these Terms and Conditions and, in any event, for lawful and proper purpose which includes complying with all applicable laws, regulations and codes of practice within Hong Kong or other jurisdiction from which you are accessing this Web site. 

5. Changes to this Web site
We may make improvements or changes to the information, services, products and other materials on this Web site, or terminate this Web site, at anytime without notice. We may also modify these Terms and Conditions at anytime, and such modification shall be effective immediately upon posting on this Web site. Accordingly, your continued access or use of this Web site is deemed to be your acceptance of the modified Terms and Conditions.

6.Links to other Web site
This Web site may include links to other Internet sites or material. We do not endorse and such Web sites and We are not responsible for the information, material,  products or services contained on or accessible through those web sites. Your access and use of such Web sites remains solely at your own risks.

7. Limitation of Liability
In no event will We be liable for any direct, indirect, special, punitive, exemplary or consequential losses or damages of whatsoever kind arising out of access to, or the use of this Web site or any information contained in it, including loss of profit and the like whether or not in the contemplation of the parties, whether based on breach of contract, tort (including negligence), product liability or otherwise, even if advised of the possibility of such damages.
Nothing in these Terms and Conditions shall exclude or limit Our liability for death or personal injury caused by negligence or for fraudulent misrepresentation.

8. Disclaimer of warranty
To the maximum extent permitted by law, We disclaim all implied warranties with regard to the information, services and materials contained on this Web site. All such information, services and materials are provided "as is" and "as available" without warrant of any kind.

Insur-Union makes no warranty, implied or explicit, that any part of the service will be uninterrupted, error-free, virus-free, timely, secure, accurate, reliable or any quality, not that the content is safe in any manner for download. You understand and agree that neither Insur-Union nor any participant in the site and its services provides professional advice of any kind and that use of such advice or other information is solely at you own risks and without our liability of any kind.

9. Indemnification
You agree to indemnify, defend and hold Us harmless from any liability, loss, claim and expense (including reasonable legal fees) related to your breach of these Terms and Conditions.

10. Miscellaneous
These Term and Conditions contain all the terms of your agreement with Us relating to your use of this Web site. No other written or oral statement (including statement in any brochure or promotional literature published by us) will be incorporated.

Your used of this Website, any downloaded material from it and the operation of these Terms and Conditions shall be governed by and construed in accordance with the laws of Hong Kong and you agree to submit to the non-exclusive jurisdiction of the Hong Kong courts.