This website and its pages ("Website") and the information on it are provided on the following terms and conditions (including our Privacy Statement on this Website). By using this Website you are deemed to accept such terms and conditions. Please read these conditions carefully before using this Website. These terms and conditions may be revised by Heng An Standard Life (Asia) Limited (the “Company”) at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

1. Company details and regulation

Heng An Standard Life (Asia) Limited (662679) is an insurer authorised by the Insurance Authority in the Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong") to write class A, class C and class I of long term business in Hong Kong. Its registered office is at 12/F, Lincoln House, Taikoo Place, 979 King's Road, Quarry Bay, Hong Kong. Telephone +852 2169 0700, fax +852 2169 0220 and e-mail: [email protected].

2. Residence

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 the Website is prohibited. The pages of this Website are issued in Hong Kong and are for the information of Hong Kong residents in relation to Hong Kong products only. Those who choose to access this Website do so on their own initiatives and should be aware that, other than in Hong Kong, the information provided may not be in compliance with local law.

3. General Disclaimers and terms

Whilst the Company has taken all reasonable care to ensure that the information contained within the pages of this Website is accurate, current, complete, and compliant with the relevant Hong Kong legislation and regulations as at the date of issue, no liability can be accepted for any errors or omissions, or for any information becoming out of date or for any direct or indirect loss arising as a result of use of or reliance on this Website for any reason.

All warranties, conditions, representations and terms, whether express or implied by statute, common law or otherwise, with respect to this Website and its content, including but not limited to implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy are excluded from these Website terms and conditions to the extent that they may be excluded as a matter of law. Further, the Company does not warrant that the Website will be uninterrupted or error free or that any defects will be corrected. The Company accepts no responsibility for information contained in any other sites which can be accessed by hypertext link from this Website or for such other sites not being available at all times. Please note that when you click on any external site hypertext link you will leave the Company Website and separate terms and conditions may apply to such other sites.

The Company reserves the right to suspend or withdraw access to the pages of this Website without notice at any time and accepts no responsibility for the Website or any part of it not being available at all times.

Nothing in these terms and conditions shall exclude the Company’s liability for death or personal injury resulting from its negligence. You shall be liable for and shall indemnify the Company from and against any and all claims, actions, liabilities, losses, damages and expenses (including legal expenses) of any kind which arise out of or in connection with, directly or indirectly your breach of these Website terms and conditions.

4. Advice

The pages on this Website are for information only and do not constitute financial, professional or investment advice in any way. If you would like further advice on the Company’s investment and/or insurance products, you may wish to consult your usual financial adviser who may be happy to provide assistance. Some advisers may charge a fee for providing advice.

5. Copyright and trade mark

© 2024 Heng An Standard Life (Asia) Limited, reproduced under licence. All rights reserved. 

Copyright in the pages of this Website and in the information and materials contained therein (including without limitation any forms you may download from this Website) and their arrangement, is owned by the Company or its licensors, unless otherwise indicated. 

Heng An Standard Life, Standard Life and Heng An Standard Life Asia words and logos are trade marks or registered trade marks of the Company’s licensors. The owners of the trade marks may also claim or direct a third party to claim copyright, trade mark and service mark rights in other marks contained within the pages of this Website. 

Images and other content displayed on this Website are either the property of the Company or used with permission. Any unauthorised use of such images may violate copyright laws, trademark laws and the laws of privacy.

This Website is owned and operated by the Company. Reproduction, copying, republishing or distribution of these pages in whole or in part without the prior written consent of the Company, is strictly prohibited unless for private, non-commercial viewing purposes. The Company neither warrants nor represents that use of materials on this Website will not infringe the rights of third parties. 

6. E-mail and Internet based communications

Please note that, due to the inherently insecure nature of Internet communications, there is no guarantee that any e-mail or message sent using the facilities of this Website will be received, or that the contents of any such e-mail will remain private and will not be corrupted during internet transmission. If you have any such concerns, you may prefer to use the telephone or postal system instead.

7. Downloads

Please note that any software or content that may be downloaded from this Website is downloaded at your own risk. The Company does not warrant the suitability of any such software or content which is downloaded and accepts no liability for any problems with your computer, tablet, device or other equipment that may arise as a result. If you are in any doubt as to the suitability of software or content to be downloaded for your computer equipment, it is recommended that you obtain specialist advice before downloading. Furthermore, it is a condition of your use of this Website that you agree that the Company shall not be liable for any viruses, trojans, worms, technical defects or other harmful computer code or data which may infect or otherwise damage your computer software or equipment as a result of your access to or use of this Website or any of its contents.

8. Data Protection

Please refer to our Privacy Statement in this Website. We may also use cookies to track your movements through the site. The information on your movements helps us understand how our site is being used, which pages are being viewed and how many visitors are interacting with the site. Further, the information also helps us understand how useful the site is to our visitors, and how we can keep improving. Personal information is not included in the tracking exercise and all individuals are treated anonymously for the purposes of data collection and analysis via cookies.

9. Password Protected Areas of the site

You may be asked for a user name and password in order to access certain areas within this Website ("Password Protected Areas"). Access to the Password Protected Areas by any unauthorised person is strictly prohibited. If you have been issued a user name and password by the Company, you undertake to keep the user name and password confidential and secure at all times and agree not to disclose them to any unauthorised person or to use them to provide access to the Password Protected Areas to any unauthorised person. The Company reserves the right to withdraw access to the Password Protected Areas without notice.

10. Severability and waiver

If any of these terms and conditions is determined to be illegal, invalid or otherwise unenforceable, then to the extent of such illegality, invalidity or unenforceability, such terms or conditions shall be deleted and severed from these terms and conditions and the remaining terms and conditions shall survive in full force and effect.

If the Company fails at any time to insist upon strict performance of any of your obligations under these Website terms and conditions, or if the Company fails to exercise any of its rights or remedies to which it is entitled under these Website terms and conditions, it shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.

11. Governing Law

These terms and conditions shall be governed by and construed in accordance with the laws of Hong Kong. You agree that the courts of Hong Kong shall have jurisdiction over any disputes arising in relation to this Website.

If you have any queries concerning the above information, please feel free to contact us. 

© 2024 Heng An Standard Life (Asia) Limited, reproduced under licence. All rights reserved.