Website Terms of Use

Last modified : 15 October 2021

Acceptance of the Terms of Use

This website is developed, operated and maintained by Peak Reinsurance Company Limited (the “Company”). You are advised to carefully read the following terms before you start to use this website.

The materials, information and other contents on this website are provided by the Company. By accessing, reading any contents on, downloading materials from or using any contents on this website and any of its pages, you are deemed to acknowledge and accept the following terms that constitute an agreement between you and the Company (“Agreement”). By continuing to access, link to, or use this website, or any service on this website, you signify your acceptance of these terms.  If you do not agree to these terms, you must not use this website.

The Company reserves the right to update the following terms from time to time without further notification, and any such updates shall take effect when they are uploaded to this website. Each time you wish to use our website, please check these terms to ensure you understand the terms that apply at that time. Any use of this website not expressly permitted by this Agreement is a breach of this Agreement and may violate copyright, trademark and other laws.

The following additional terms also apply to your use of this website:

• Privacy Policy. See further under “Data protection”.
• Cookies Policy, which sets out information about the cookies on this website.

Copyright statement

This website and the materials and contents it contains, including but not limited to information, data, text, graphics, designs, articles, directories, music, diagram, image, audio or video, are owned or licensed by the Company and protected by copyright and other intellectual property laws. Without the prior written consent of the Company or other relevant rights owners, you are not allowed to copy, replicate, sell, reproduce, disseminate, publish, reprint, adapt, compile, transmit, display, prepare derivative works based on, repost or otherwise use any of the materials and the contents of this website, in whole or in part, in any manner. You must obtain the prior written authorisation of the Company before creating a hyperlink from a third-party website to this website.

Trademarks

All the trademarks, trade names, service marks, copyrights, logos and graphics used or displayed on this website, whether registered or unregistered, are owned by the Company and other relevant rights owners. You are not allowed to use them in any way without the prior written authorisation of the Company or the party owning them.

Data protection

The Company’s collection and use of personal data in connection with your access to and use of this website is set out and described in the Company’s Privacy Policy. By using this website, you consent to all actions taken by us with respect to your information in compliance with the Company’s Privacy Policy.

Forward-looking statements

Certain contents on this website contain forward-looking statements. These forward-looking statements include, without limitation, statements relating to possibility or forecasting of performance, costs, dividends, incomes, revenues, earnings, operation, business developments or other trends. These contents are not historical facts but prepared on the basis of current beliefs, assumptions, estimations, projections and expectations of the Company’s management about the businesses, the industry and the market conditions in which the Company operates. These forward-looking statements are subject to risks, uncertainties and various factors, some of which are beyond the Company’s control and are difficult to predict. Therefore, the Company’s actual results or development may differ greatly from those expressed, implied or forecasted in these forward-looking statements. You should not rely on these forward-looking statements, which reflects the opinions of the Company’s management as of the date the information is uploaded to this website. Any reliance you place on forward-looking statements is strictly at your own risk. The Company is not obligated to revise or update these forward-looking statements for purposes of reflecting any events or conditions that arise after publication of these forward-looking statements on this website.

Contacting Users

If you subscribe to mailing services, provide comments or otherwise communicate with the Company through this website, you may be requested to provide your contact details, in particular your e-mail address. By providing your contact details you expressly agree that the Company retains your contact information and may contact you, in particular for the following reasons: requesting clarifications or additional comments; sending publications of the Company; sending information about events of the Company; asking for your participation in surveys or polls; sending information about services and solutions or other marketing information of the Company.

You may, when first contacting the Company or at any time thereafter, inform the Company that you would rather not receive any information or certain information (e.g. promotion material) from the Company. You may inform the Company through the general contact functionality provided on this website.

Disclaimer of Warranties

This website is created to introduce the Company and for the ease of the public in accessing relevant information only and is not intended to constitute an offer or solicitation to sell reinsurance products in any country to any person to whom it is unlawful to make such an invitation or solicitation in such country. The information contained in this website is not intended to provide professional advice. While the Company has made its best efforts to verify the contents on this website, such contents, however, are subject to change and are provided to you on a “as is” basis.

THE COMPANY, TO THE EXTENT PERMITTED BY LAW, DISCLAIMS ANY RESPONSIBILITY, REPRESENTATION OR WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, IN RELATION TO: THE FREEDOM FROM COMPUTER VIRUSES OF THIS WEBSITE; THE NON-INFRINGEMENT AGAINST A THIRD PARTY’S RIGHTS IN RELATION TO THE USE OF MATERIALS ON THIS WEBSITE; THE STABILITY OF THE SERVER OR YOUR ACCESS TO, READING, COPY OR USE OF THIS WEBSITE AT ANY TIME; THE TIMELINESS, FITNESS FOR A PURPOSE, ACCURACY OR COMPLETENESS OF THE CONTENTS, GRAPHICS, MATERIALS, LINKS, DESCRIPTION, EXPLANATIONS OR OTHER ITEMS APPEARING ON THIS WEBSITE; AND THE ACCURACY OF THOSE CONTENTS AS A RESULT OF PRINTING, COPYING OR OTHER INPUTTING HEREIN.

The Company makes no representation that all information relating to the Company has been posted on this website. The Company may modify the contents on this website from time to time without any further notification.  The Company does not warrant to update any of the information or contents contained in this website, nor warrant to give you a notice in the event of any such update.

ALL THE INFORMATION CONTAINED ON THIS WEBSITE IS MERELY FOR YOUR REFERENCE. TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF (OR INABILITY TO USE), OR RELIANCE ON, ANY INFORMATION CONTAINED IN THIS WEBSITE, OR ANY WEBSITES LINKED TO IT, ANY CONTENT ON THIS WEBSITE OR SUCH OTHER WEBSITES, OR FOR THE OMISSION OF ANY INFORMATION RELATING TO THE COMPANY, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (OR NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. NOTHING IN THIS AGREEMENT SHALL BE DEEMED IN ANY WAY TO EXCLUDE, LIMIT OR RESTRICT THE COMPANY’S LIABILITY FOR FRAUD OR FOR DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE. EXCEPT AS SET OUT IN THIS AGREEMENT, ALL CONDITIONS, WARRANTIES AND REPRESENTATIONS, EXPRESSED OR IMPLIED BY STATUTE, COMMON LAW OR OTHERWISE IN RELATION TO THIS AGREEMENT ARE EXCLUDED.

All websites linked to this website are only for your convenience only and are not within the Company’s control or affiliated with or in any way related to the Company. The Company is not responsible for the contents available on or the set-up of any websites linked to this website. By providing the links to an external website, the Company shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the services/products they provide on their websites. You use the link(s) at your own risk and the Company does not bear any liability for any loss or damage of any sort incurred or suffered by you arising out of or in connection with your use of the link(s) or contents contained therein or any web-based transmission or transmission in any other forms thereof.

Miscellaneous

All matters or any action or dispute arising out of or in relation to your access to, and use of information in this website and/or this Agreement shall be governed by the laws of the Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong”).

No waiver by the Company of any term or condition set out in this Agreement shall be deemed a further or continuing waiver of such term or condition or waiver of any other term or condition, and any failure of the Company to assert a right or provision under this Agreement shall not constitute a waiver of such right or provision.

If any provision (or part thereof) of this Agreement is, or becomes, unenforceable, illegal or invalid for any reason, the relevant provision (or part thereof) shall be deemed to be modified or amended to the extent necessary to remedy such unenforceability, illegality or invalidity or if this is not possible then such provision (or part thereof) shall be severed from this Agreement, in either case without affecting the enforceability, legality or validity of any other provision of this Agreement.

You agree to defend, indemnify and hold harmless the Company, its officers, directors, employees and agents, from and against any claims, actions or demands, including, without limitation, any resulting loss, damages, liabilities, costs and expenses (including reasonable legal and advisers costs), alleging or resulting from your use of this website or your breach of this Agreement.

This Agreement which includes these Website Terms of Use, our Privacy Policy, and our Cookies Policy, constitute the sole and entire agreement between you and the Company regarding this website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written or oral regarding this website.

The English version of this Agreement shall prevail over other language version if there is any discrepancy between the two versions.