Conditions of Use

This section sets out the Terms of Use of this website. Access to this website is deemed to be confirmation that you understand and agree to be bound by all of the following terms and conditions. All information published on the website of Royal & Sun Alliance Insurance plc ("RSAIplc") should be used for information purposes only. It is subject to change without notice and should not be taken as advice of any kind by RSAIplc.

All materials contained in this website do not in any way constitute an offer. It is an invitation to you to make an offer to buy our insurance products or services subject to our final acceptance.

Governing Law and Jurisdiction

The products and services offered through this website are made by RSAIplc to citizens of Hong Kong Special Administrative Region ("HKSAR"), HKSAR permanent residents and foreign nationals residing in HKSAR. 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 HKSAR. RSAIplc does not offer or sell any insurance product or other product or service (collectively "Product") in any other jurisdictions in which such offering or sale of the Product is illegal under the laws of such jurisdiction. If any Product is offered / sold by RSAIplc 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, RSAIplc has not made any representation that: (i) materials on this website are appropriate for use in any location outside HKSAR; or (ii) the products and services available through this website comply with the laws of any country outside HKSAR. In the event that the jurisdiction you are in imposes restrictions on our services 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. RSAIplc shall not be liable to any person in any way for visiting this website.

By accessing this website and/or using the services offered through this website, you shall be deemed to agree that the laws of HKSAR, including without limitation the provisions of the Electronic Transactions Ordinance (Cap. 553), shall govern such access and the provision of such services; and you shall be deemed to agree to submit irrevocably to the jurisdiction of the courts of HKSAR.

Access to the Site

RSAIplc uses reasonable efforts to make our site and its contents available to users, however we do not warrant or represent that access to this site will be uninterrupted, reliable or fault free. We reserve the right in our sole discretion to deny access to users who are in breach of these conditions.

Online Services

Our Products are transacted electronically through this website. By using this website, you accept that electronic records and data will be admissible as original documents in any Court of law in Hong Kong and that you will not challenge or dispute the accuracy or authenticity of such records and data maintained by RSAIplc.

RSAIplc shall not be liable for any failure to carry out online instructions which is attributable, wholly or in part, to any cause beyond the control of RSAIplc including but not limited to any equipment malfunction or failure. Under no circumstances shall RSAIplc be responsible to the users for any direct, indirect or consequential losses arising from or in connection with the carrying out or otherwise of the users' online instructions.

By using our online services, you agree to all of our terms and conditions, including but not limited to: a) RSAIplc has reserved the right to add, delete or vary the scope of service provided online and any of the terms and conditions herein from time to time; and b) if RSAIplc decides to change the terms and conditions herein, RSAIplc shall give notice within this website of such amendment to the users and will specify a day on which such amendment shall take effect. If the user does not cancel the online service prior to the expiration of such period, the user shall be deemed to have agreed to such amendment.

RSAIplc may, at any time and at its sole discretion, without giving notice or reason suspend or terminate all or any of the online services, or their usage rights of particular users.

Transactions over the Internet

Transactions conducted through the Internet may be subject to interruption, blackout, delay or error. RSAIplc shall not be responsible for any loss of accuracy or timeliness of any messages sent or transactions conducted through this website arising from or in relation to any malfunctions in communication facilities that are out of the control of RSAIplc.

Downloading

RSAIplc does not warrant the absence of delays, failures, errors, omissions or loss in respect of any information transmitted through this website. RSAIplc does not guarantee any of the following: a) no viruses or other contaminating or destructive properties will be transmitted through this website; or b) no damage will occur to any computer system connecting to this website. Users of this website shall have sole responsibility in protecting and backing up their data and / or equipment; and in taking any precautionary measures against computer viruses or other contaminating or destructive properties as they think appropriate and necessary.

Links

Where a hyper-link to a non-RSAIplc website exists in this website, RSAIplc shall not be responsible or liable in any way for the content of the linked website including any products, services or other items offered through that website. The websites linked are not subject to the control of RSAIplc and may be hosted in locations other than HKSAR.

Copyright Notice

All contents of this website are the property of RSAIplc and are subject to the copyright laws of all relevant jurisdictions with all rights reserved. Contents in this web site including but not limited to the text, web design, graphics, trademarks and logos are owned by RSAIplc and are protected by copyright. Users may not alter, modify, distribute and/or reproduce these materials without written permission from RSAIplc. The information in this site is subject to modification and update from time to time without notice.

Any trademarks, logos and service marks appearing in this website are either owned by RSAIplc or other third parties; and shall not be used without the prior written consent of RSAIplc or such other third parties.

Disclaimer

RSAIplc is providing this site on an "as is" basis and makes no representations or warranties of the accuracy, completeness, or suitability of the content. Neither RSAIplc, nor any of its affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with the creation of the site or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of the site.

In the event of any ambiguity or inconsistency between the English and Chinese versions of the Conditions of Use, the English version shall prevail.