Legal Disclaimer

New York Life Insurance Worldwide Limited (Incorporated in Bermuda with Limited Liability)

Legal Notices & Conditions of Use

PLEASE READ THIS NOTICE CAREFULLY BEFORE YOU USE THIS WEBSITE. IF YOU DO NOT AGREE WITH THE FOLLOWING TERMS AND CONDITIONS OF USE, PLEASE EXIT THIS SITE. BY USING THIS WEBSITE, YOU CONSENT TO THE TERMS AND CONDITIONS. NEW YORK LIFE INSURANCE WORLDWIDE LTD. MAY REVISE THE TERMS AND CONDITIONS AND/OR INTRODUCE ADDITIONAL ONES AT ANY TIME AND FROM TIME TO TIME BY UPDATING THIS POSTING. YOU ARE THEREFORE ADVISED TO VISIT THIS PAGE EVERY TIME YOU VISIT THIS WEBSITE TO REVIEW THE THEN CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE BOUND.

Site Content

The information contained on the pages of this website is for reference only and subject to modification and update by New York Life Insurance Worldwide Ltd. (herein "New York Life Hong Kong "/ "we"/ "us") from time to time without notice.

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 this website is prohibited. Persons in respect of whom such prohibitions apply must not access this website. It is the responsibility of any persons who access the information contained herein to observe all applicable laws and regulations of their relevant jurisdiction. By proceeding you are representing and warranting that the applicable laws and regulations of your jurisdiction allow you to access the information.

All website content is for information purpose only and no aspect of the website shall constitute an offer to sell or solicitation to buy any products or services of New York Life Hong Kong or any of its affiliates in any jurisdiction whatsoever.

The information contained in this website does not, and it is not intended to, provide any financial, insurance, legal, accounting, or tax advice, and shall not be relied upon by you in that regard. You should obtain appropriate professional advice where necessary.

Disclaimer

To the fullest extent permissible pursuant to applicable laws, information posted on this website is provided on "as is" basis without express or implied warranties and New York Life Hong Kong, its parent New York Life International LLC, and the ultimate holding company, New York Life Insurance Company (collectively, "NYL") disclaim all warranties, either expressed or implied, including, but not limited to, the suitability or otherwise of the information on this website for any purpose.

While New York Life Hong Kong uses reasonable efforts to include accurate and up to date information on this website, we make no warranties or representations as to the accuracy of any of the contents of this website. Under no circumstances shall NYL or any party involved in creating, producing or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that may result from the use of, or the inability to use, the materials on this website.

NYL also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

Intellectual Property rights

While New York Life Hong Kong provides the information on this server to all, we retain copyright on all text and graphic images. You may NOT distribute the text or graphics to others or "mirror" this information on your own server or modify or re-use the text or graphics on this system without New York Life Hong Kong's prior written consent. You MAY print or store copies of the information on your own computer for your personal use or reference only provided that you also retain all copyright and other proprietary notices contained on the materials.

New York Life Hong Kong and other parties own the trademarks, logos, service marks and copyrights in their respective text and graphic images displayed on this site. These may not be used without the written permission of New York Life Hong Kong or the party owning these.

Linked Websites

Users who link from this website to sites provided by other organizations should be aware that the information on those sites has been compiled and issued by those organizations. New York Life Hong Kong accepts no responsibility for the content of any site to which a hypertext link from this website exists and shall not be liable for any loss or damage arising from or related to its use.

Use of Information

Any information obtained from or through this website is for the sole and exclusive use by you and you agree to take full responsibility and risk when any of such information are accessed, used or printed through the Internet. You shall not use or knowingly allow any other person to use the information obtained from or through this website for or in connection with any illegal purpose or activity. You agree to notify New York Life Hong Kong as soon as practicable if you become aware of such use.

New York Life Hong Kong reserves its rights to prohibit or deny your access to and/or use of the information or any part thereof at any time without notice.

Ownership of Information

Unless otherwise expressly set forth herein, any information, communications or material you transmit to this website by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of New York Life Hong Kong. Such information, communications or material may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Furthermore, New York Life Hong Kong is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Security

You acknowledge and confirm that the internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the internet is not possible at this time. Your confidential use of the website cannot be guaranteed and you acknowledge that your use of the website (including information that you may transmit to the website) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimers herein, New York Life Hong Kong shall not be responsible or liable for any harm that you and any other person may suffer in connection with any such breach of confidentiality or security.

Provision of Products and Services

New York Life Hong Kong is an insurer authorized to carry out insurance business in Hong Kong Special Administrative Region. All the products and services provided by New York Life Hong Kong are limited to the areas of Hong Kong Special Administrative Region ONLY.

No product or service is offered or will be offered or sold by New York Life Hong Kong in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the relevant laws of such jurisdiction.

Privacy Policy Statement

New York Life Hong Kong is committed to safeguarding your privacy and pledges to observe the requirements of the Personal Data (Privacy) Ordinance (Chapter 486), Laws of Hong Kong Special Administrative Region.

When you visit this website, New York Life Hong Kong will not collect any personally identifiable information from you until you submit a completed on-line form to us; register as a member; log into the on-line service(s),and submit personally identifiable information whilst using the on-line service(s).

Except for the purposes and in the circumstances as specified in the "Personal Information Collection Statement" below, New York Life Hong Kong will not disclose any of your personally identifiable information without your permission to do so.

Personal Information Collection Statement

New York Life Hong Kong may collect personal information from users of this website for any of the following purposes:

1. processing any applications and claims;
2. providing insurance services;
3. administering policies;
4. promoting financial products and services;
5. performance of direct marketing, and data matching, and communicating with users for such purposes;
6. job applications processing;
7. registration of activities organized and/or sponsored by New York Life Hong Kong; and
8. enabling industry association/ federation to carry out its regulatory functions or such other functions that may be assigned to the association/ federation from time to time and are reasonably required in the interest of the insurance industry or any member(s) of the association/ federation.

Personal information of users of this website collected by New York Life Hong Kong through this website may be used, stored, disclosed, transferred by New York Life Hong Kong to any of the following parties (whether within or outside the Hong Kong Special Administrative Region)

1. its affiliated companies;
2. reinsurers;
3. claims investigation company;
4. industry association/federation;
5. any members of the association/ federation or
6. any individuals/organizations associated with New York Life Hong Kong (whether within or outside the Hong Kong Special Administrative Region) for the purposes as specified in (1) to (8) above.

You warrant that all information provided by you in relation to and/or in connection with the on-line services is true, complete and up-to-date and that you agree to notify New York Life Hong Kong of all changes to the information previously provided.

All reasonably practicable steps will be taken to ensure that the personally identifiable information kept about you is accurate. If you would like to request access to and /or correction of information about you held by us, please e-mail partners@newyorklife.com.hk. Any requests for access to and correction of information will be dealt with promptly and we will use our best endeavors to handle such requests before the expiry of 40 days maximum. A charge of HK$50 will be imposed for an access request, however no charge will be imposed for a correction request.

The information collected from you will be used to market products or services to you via direct marketing to the contact details provided by you. If you would not like to receive such information, please e-mail partners@newyorklife.com.hk informing us of your request.

When collecting personal data on-line, we do so in a secure and confidential manner by utilizing Secure Socket Layers Protocol which will encrypt your personal data to ensure secure transmission of the same to our web site server.

If you have any queries about our Privacy Policy and Practices, please e-mail them to partners@newyorklife.com.hk.

Governing Law

This Legal Disclaimer shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region of the People's Republic of China ("HKSAR") and you and New York Life Hong Kong agree to submit to the exclusive jurisdiction of the Courts of HKSAR.

Inconsistency

In the event of any ambiguity or inconsistency between the English and Chinese versions of this Legal Disclaimer, the English version will prevail.