CONDITIONS OF USE
Please read these terms and conditions carefully. By accessing this site and pages thereof, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site or any pages thereof.

TRADEMARKS AND COPYRIGHT
All trademarks, service marks, trade names, logos and icons are proprietary to The Tokio Marine and Fire Insurance Co. (HK) Ltd. [hereinafter referred to as "TMF(HK)"]. Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their design, is owned by TMF(HK).

USE OF INFORMATION AND MATERIALS
The information and materials contained in these pages, terms and conditions, and descriptions that appear are subject to change. Unauthorized use of TMF(HK)'s website and systems including but not limited to unauthorized entry into its systems, misuse of passwords or misuse of any information posted on a site is strictly prohibited.

NO WARRANTY
The information and descriptions contained in this site are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services. For complete details please refer to the actual policy or the relevant product or services agreement. The information and materials contained in this site, including text, graphics, links or other items are provided as it is or as available. TMF(HK) does not warrant the accuracy, adequacy or completeness of this information and materials, and expressly disclaims liability for errors or omissions in this information and materials. The information and material may also include statements relating to the future business performance of TMF(HK). Future performance is not guaranteed and is subject to a number of risks and uncertainties including changes to the business environment.

LIMITATION OF LIABILITY
In no event will TMF(HK) be liable for any damages, losses or liabilities including without limitation, direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with your use of this site or any linked site or your reliance on or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if TMF(HK) or representatives thereof are advised of the possibility of such damages, losses or expenses.

SUBMISSIONS
All information submitted to TMF(HK) via this site shall be deemed and remain the property of TMF(HK), and TMF(HK) shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained with the visitor to this site. TMF(HK) shall not be subject to any obligations of confidentiality regarding submitted information.

SECURITY
TMF(HK) places a great importance on the security of all personally identifiable information associated with our customers. We have security measures in place to attempt to protect against the loss, misuse and alteration of customer data under our control. While we cannot ensure or guarantee that loss, misuse or alteration of data will not occur, we use our best efforts to prevent this.

USER ID AND PASSWORD (WHERE APPLICABLE)
You shall follow the guidelines provided by us in designating the user identification code (the "User ID") and the password (the "Password") for identifying you for the purposes of servicing you.

You shall act in good faith, exercise reasonable care and diligence in keeping the User ID and the Password in secrecy. At no time and under no circumstances shall you disclose the User ID and/or Password to any other person/party.

You shall be fully responsible for any accidental or unauthorized disclosure of the User ID and/or the Password to any person/party and shall bear the risks of the User ID and/or the Password being used by unauthorized persons/parties or for unauthorized purposes. This responsibility and bearing of risks remains until we receive your written notification to suspend or reassign a new User ID and/or Password to you.

FORCE MAJEURE
We shall not be liable for any breach of these terms of use or any failure to provide or delay in providing our services through our site resulting from any event or circumstances beyond our reasonable control including, without limitation, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire explosion, accident or natural disasters.

APPLICABLE LAW
These terms shall be governed, construed and enforced in accordance with the laws of Hong Kong without reference to principles of conflicts of laws and any disputes shall within the exclusive jurisdiction of the Hong Kong Courts. If any provision of these disclaimers and exclusions shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provision.

LEGAL NOTICE
This site has been prepared by TMF(HK) and is for general information purposes only. Whilst every effort is made to ensure the accuracy of the information contained in this website, TMF(HK), its directors, employees and affiliates do not in any way represent or warrant its accuracy, currency or completeness or accept any liability (in contract, negligence or otherwise) for any loss or damage, including but not limited to direct, indirect, actual, incidental, punitive, special or consequential damages, lost income, revenue or profits, lost or damaged data, or other commercial or economic loss, arising from any error, inaccuracy or omission. None of the information contained on this site may be copied, except for personal use, or redistributed without prior written permission of TMF(HK).

By using this website, you expressly agree that such use is at your own risk. TMF(HK) endeavours to provide quality service, but cannot guarantee that our service will be uninterrupted or error-free, or that the service selected will reach the intended recipient.
Any hypertext links to other websites are provided for convenience only, and TMF(HK) assumes no responsibility or liability whatsoever for the contents of those other websites linked to, or any products or services advertised or sold on those websites.