Terms of Use

ACCEPTANCE OF TERMS
The use of this website is subject to the following Terms of Use (the “Terms”). By using this website, you confirm your agreement with these Terms, as amended from time to time, without limitation or qualification. Please read these conditions carefully before using this website.

AIA Group Limited and its subsidiaries and affiliates (collectively “AIA”) and the Chinese University of Hong Kong (collectively “CUHK”) reserve the right to amend these Terms at any time. You are bound by any such revisions and should therefore periodically visit this website to review the most updated and current conditions to which you are bound, which can be found by clicking the hyperlink “Terms of Use” at the bottom of this website.

DISCLAIMER
To the fullest extent permissible pursuant to applicable laws and regulations:

(1)        This website and all its content (including without limitation functions, text, data, materials, information, graphics, logos, icons, images, photographs, structure, arrangement, lay-out, “look and feel”, audio clips, sounds, music, videos, and software, and any combination thereof) (the “Website Content”) are provided “as is” without warranties of any kind, whether express or implied. AIA and CUHK hereby disclaim any and all warranties, express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, title and non-infringement of third party rights.
(2)        AIA and CUHK do not warrant that the website or the Website Content will be uninterrupted or error-free, that defects will be corrected, or that the website, the Website Content, or the server that makes it available are free of viruses, contamination, destructive features or other harmful components.
(3)        AIA and CUHK hereby disclaim any and all liability for the acts and omissions of third party in connection with or related to the website, the Website Content or products or any services offered on or through the website.
(4)        AIA and CUHK do not warrant or make any representations in terms of suitability, comprehensiveness, accuracy, reliability, or otherwise regarding the Website Content or its use or results. The Website Content is not intended to be or contain a complete description of all terms, conditions or exclusions applicable to the products and/or services, including without limitation the survey results, described or referred to on this website, but is provided solely for informational purposes. For details please refer to the specific terms and conditions provided in the relevant policies or agreements.

Your sole remedy against AIA and CUHK if you are dissatisfied with the website or the Website Content is to stop using them.

AIA and CUHK reserve the right to modify, suspend or terminate the website or any portion thereof, its operation, or the access to the website or any portion thereof, for any reason, at any time, and without notice.

LIMITATION OF LIABILITY
While AIA and CUHK use reasonable efforts to include accurate and up to date information on their websites, errors or omissions may occur. To the fullest extent permissible under applicable laws and regulations, under no circumstances including without limitation negligence, will AIA or CUHK or any party involved in creating, producing, or delivering the website or the Website Content be liable for any special, indirect, incidental, consequential or punitive damages, losses, liabilities, costs, expenses and/or consequences of any nature (including without limitation loss of data or profits), whether based on contract, negligence or tort, arising out of or in connection with the access to, use of, reliance on, or the inability to use the Website Content or any content available on other websites linked to this website, any system, server or connection failure, any interruption or delay in transmission, or any computer viruses, even if AIA, CUHK or any of their representative has been advised of the possibility of such damages, losses, liabilities, costs, expenses and/or consequences. To the fullest extent permissible under applicable law, in no event shall AIA or CUHK's total liability to you exceed the amount paid by you, if any, for accessing this website.

INDEMNITY
You agree to indemnify and hold harmless AIA and CUHK, and their officers, directors, shareholders, successors, assigns, employees, agents, subsidiaries and affiliates, from any claims, losses, liabilities, damages, expenses and costs (including attorneys’ fees and court costs) claimed by a third party and arising directly or indirectly out of or relating your use of the website.

RESTRICTIONS
This website is owned or licensed by AIA and/or CUHK, and operated by or on behalf of AIA and/or CUHK. Except as expressly permitted by AIA and CUHK in writing, no part of this website or the Website Content may be copied, reproduced, republished, modified, stored in a retrieval system, used for creating derivative works, uploaded, posted, transmitted (by any form or by any means), distributed or used in any way for public or commercial purposes. You may use the website or the Website Content solely for your personal use and only under the condition that you retain all copyright and other proprietary notices contained on the materials. Use of any part of the website or the Website Content does not grant you any rights of ownership or any rights that are not expressly granted to you under these Terms or otherwise in writing by AIA and CUHK.

AIA and CUHK neither warrant nor represents that your use of this website or any Website Content will not infringe third party rights.

JURISDICTIONAL ISSUES
Unless otherwise expressly set forth herein, AIA and CUHK make no representation that the Website Content is appropriate or available for use in any location or jurisdiction. Some products and services may not be available in all jurisdictions. When you choose to access this website and/or use the Website Content you do so on your own initiative and at your own risk, and it is your responsibility to comply with applicable laws and regulations.

Except as expressly set forth herein the materials and/or information contained on this website are not an offer to sell or a solicitation to buy any insurance product or other product or service from AIA. No insurance product or other product or service is offered or will be sold by AIA or, if sold by AIA will be effective, in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under insurance or other laws or regulations of such jurisdiction.

NO OFFER
Information provided on this website should not be construed as an offer of securities for sale, or a solicitation of an offer to purchase securities. Past performance is not necessarily an indication of future performance. Any person considering an investment in the securities of AIA Group Limited should seek independent professional advice prior to making any investment decision.

OWNERSHIP OF INFORMATION
Any information, other than personal data or information, that you transmit, post, upload, input or submit to AIA and/or CUHK via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions (individually or collectively a “Submission”), will be treated as non-confidential and non-proprietary information and will become the property of AIA. Such Submission may be used by or on behalf of AIA and/or CUHK free of charge for any purpose, including without limitation to copy, reproduce, publicly display, disclose, transmit, publish, broadcast post, edit, translate and reformat, and AIA and/or CUHK shall have the right to publish your name in connection with your Submission. AIA and/or CUHK shall be allowed to use any ideas, concepts, know-how, techniques or proprietary information contained in any Submission free of charge for any purpose, including without limitation to develop or market products or services using or containing such Submission. In addition, AIA and CUHK shall have the right to assign or license such Submission or proprietary rights in such Submission to any third party without your consent and free of charge.

AIA and CUHK shall not be under any obligation to post, disclose, publish or in any way use any Submission, and may remove any Submission in it sole and absolute discretion.

By transmitting, posting, uploading, inputting or submitting a Submission, you warrant and represent that you own or have been granted all rights necessary to transmit, post, upload, input or submit your Submission and to allow for the assignment to and usage by AIA and/or CUHK as set forth in these Terms.

You hereby waive all applicable rights you may have in any Submission for the purposes set out in these Terms.

AIA and/or CUHK may disclose any information it possesses about you (including your name and contact details) if AIA and/or CUHK determine that such disclosure is necessary or useful in relation with any investigation or complaint regarding your use of the website, or to identify, contact or bring legal action against anyone who may be damaging or interfering with (whether intentionally or not) AIA and/or CUHK’s rights or property, or the rights or property of the website’s visitors or users, including AIA’s customers or policyholders, or if AIA determines that applicable laws require or authorise such disclosure. AIA and CUHK reserve the right at all times to disclose any information that it deems necessary or useful to comply with any applicable laws, regulations, legal processes or governmental or court requests.

INTELLECTUAL PROPERTY
This website and the Website Content, the “AIA” trade mark and all other trade marks and service marks, whether they are figurative or not, as well as all trade names, brand names, business names, illustrations, images, logos which appear on or in relation to AIA products or services, whether registered or not (the "AIA Trade Marks"), and all other intellectual property rights (including, without limitation, registered or unregistered designs, copyrights, trade marks, service marks, logos, trade dress, trade names, trade secrets, patents, inventions, know-how, and moral rights) in or related to this website, the Website Content and AIA’s products and services (the "AIA Intellectual Property Rights") are and remain the exclusive property of AIA and/or its licensors and are protected by applicable intellectual property laws and treaties around the world. All such rights are reserved.

The [“CUHK”] trade mark and all other trade marks and service marks, whether they are figurative or not, as well as all trade names, brand names, business names, illustrations, images, logos which appear on or in relation to CUHK products or services, whether registered or not (the "CUHK Trade Marks"), and all other intellectual property rights (including, without limitation, registered or unregistered designs, copyrights, trade marks, service marks, logos, trade dress, trade names, trade secrets, patents, inventions, know-how, and moral rights) in or related to this website, the Website Content and AIA’s products and services (the "CUHK Intellectual Property Rights") are and remain the exclusive property of CUHK and/or its licensors and are protected by applicable intellectual property laws and treaties around the world. All such rights are reserved.

Other than as expressly set out in these Terms and except as permitted by applicable law, nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any licence or right to use any part of the Website Content, the AIA Trade Marks, the CUHK Trade Marks, AIA Intellectual Property Rights, or CUHK Intellectual Property Rights without AIA or CUHK’s (as applicable) express written consent. Except as provided herein, your use of the Website Content, the AIA Trade Marks, the CUHK Trade Marks, the AIA Intellectual Property Rights or CUHK Intellectual Property Rights is strictly prohibited.

To the extent that any software is made available or provided to you on this website, AIA grants you a non-exclusive, limited and personal licence to download and use the software for your own personal, non-commercial use only. No other rights to the software are granted. All rights including intellectual property rights in the software remain the exclusive property of AIA or the relevant licensors or owners of the software and, except as permitted by law, you may not reverse engineer, decompile, modify or tamper with the software.

SECURITY
At AIA and CUHK, we take our user's security and confidentiality very seriously. There is inherent risk in doing business with anyone over a public medium like the Internet. AIA and CUHK have implemented measures to reduce these risks. Physical, electronic, and managerial measures are in place to protect your data. Secure socket layer (SSL) protocols are in use for all websites or sections involving personal and sensitive information.

If you open or register for an online account, you must complete the registration process and provide up to date, comprehensive and accurate information as required in the applicable registration form. You may also be requested to choose a password and a user name. It is your responsibility to protect and maintain the confidentiality of your password and account. You are entirely responsible for any and all activities that occur under your account and you must notify AIA and CUHK immediately of any unauthorised use of your account or any other breach of security. AIA, CUHK and their service providers will not be liable for any damages, losses, liabilities, costs, expenses and/or consequences of any nature that you may incur as a result of someone else’s use of your password or account, whether it is with or without your knowledge or consent. You may however be held liable for damages, losses, liabilities, costs, expenses and/or consequences of any nature incurred by AIA, CUHK or another party due to the use made of your account or password. It is prohibited to use anyone else's account at any time without the account holder’s consent or permission.

HYPERLINKS
Links to third party websites
This website may link to third party websites that are not under the control of or maintained by AIA or CUHK. AIA and CUHK are not responsible for the availability, content or accuracy of, or any updates or changes to any external websites and do not make any warranty, express or implied, with respect to the use of any external links or websites. The inclusion of any link to such websites shall not constitute or imply any form of cooperation with, approval of or endorsement by AIA and/or CUHK of the websites or their content. You acknowledge and agree that you use and access such hyperlinks and websites at your own risk.

Links between AIA and CUHK websites
This website may also contain hyperlinks to AIA and/or CUHK websites from different jurisdictions. Products, services, materials and information provided in those websites may only be addressed to persons located or residing in that particular jurisdiction, and may not be intended for persons located or residing in other jurisdictions where distribution of such products, services, materials or information may be restricted.

Links from third party websites to AIA and/or CUHK websites
You must obtain the written approval of AIA and CUHK before creating or installing any link in any form from a third party website to any AIA and/or CUHK website. AIA and/or CUHK shall have the absolute discretion whether or not to approve such hyperlink. If AIA and CUHK decide to approve a hyperlink, such link shall display the AIA and/or CUHK name or website address in full and in plain letters, and it should link to the homepages of such websites directly. AIA and/or CUHK shall have no obligation to establish a reciprocal link back to your website following the establishment of a link from your website to any AIA and/or CUHK websites.

Embedding any part of the Website Content in third party websites using framing or any other technology or process is prohibited.

AIA and CUHK will not approve hyperlinks to any AIA and/or CUHK website from websites that contain any materials or information that may be libelous, defamatory, pornographic, or obscene, that violate any laws or regulations, or that infringe upon any third party rights.

AIA and CUHK reserve the right to at any time in its absolute discretion rescind any approval granted and require the removal of any hyperlink to AIA and/or CUHK websites.

AIA and CUHK are not responsible for the setup of any hyperlinks from third party websites to any AIA and/or CUHK website. Any link so setup shall not constitute or imply any form of cooperation with, approval of or endorsement by AIA and/or CUHK of such third party websites. AIA and CUHK are not responsible for any consequences arising out of or in connection with such links or their use.

USE OF COOKIES
AIA and/or CUHK may set cookies on your web browser as you visit AIA and/or CUHK websites or portals. Cookies are small pieces of information sent by a web server and stored by the user’s browser on the local hard drive, which will be sent back to the web server on future visits. A browser only permits a website to access the cookies it has set, not those set by other websites. There is no personal data and no personally identifiable information in cookies, and it cannot be used to obtain other information on your computer.

AIA and/or CUHK may use cookies for a number of purposes, including with limitation to improve the user experience by remembering preferences between visits, information between pages to avoid data re-entry, and to maintain your identification after you login to one of our secure portals.

AIA and/or CUHK may also use web beacons or log files to track visits to AIA and/or CUHK websites and to gather traffic statistics to help in the continuous improvement of AIA and/or CUHK websites and portals. Web beacons are small snippets of code contained in web pages and emails to collect information through a graphic image request. Information collected for the tracking purpose is anonymous so it will not allow AIA and/or CUHK to identify you. You would only be identified after logging into the AIA secured portal, but your further use of the website or the Website Content would become anonymous again once you logout or close your browser. The above service is provided to AIA and/or CUHK by Adobe and Google; you may find their privacy information from their websites at Adobe Products and Services Privacy Statement and Google Analytics Privacy Overview respectively.

Most browsers accept cookies automatically but you may configure your browser to accept or reject cookies. Each browser is different, so check the “Help” section of your preferred browser to learn how to change your cookie preferences. However, you may not able to use all features provided in our website if cookies are disabled.

NO UNLAWFUL OR PROHIBITED USE.
You agree that you shall not, and shall not attempt to:

  • 1.   do anything that may damage, disable, overburden, or impair the website, any AIA or CUHK server, or any networks connected to the website or any AIA or CUHK server, or that may interfere with anyone’s use and enjoyment of the website, with the Website Content or with any services offered on or through the website;
  • 2.   obtain unauthorised access to any part or feature of the website, the Website Content, accounts, products or services offered on or through the website, or to any systems or networks connected to the website or to any AIA or CUHK server, or to any of the services offered on or through the website; 
  • 3.   make unauthorised use of any robot, spider, site search/retrieval application, devices, programs, algorithms or methodologies, or any similar or equivalent processes, to access, acquire, copy or monitor any portion of the website or the Website Content, or to retrieve, index, "data mine" or in any way reproduce or circumvent the navigational structure or presentation of the website or the Website Content, or to obtain any materials, documents or information through any means not purposely made available through the website;
  • 4.   remove any copyright, trademark or other proprietary rights notices contained on the website or in the Website Content;
  • 5.   collect information about the website’s visitors or users, including without limitation tracking any information on any other visitor or user of the website, without their express written consent;
  • 6.   publish, upload, post, transmit, distribute, disseminate or otherwise use any materials or information that may be inappropriate, profane, defamatory, obscene, indecent or unlawful, that may infringe third party rights, or for which you do not have sufficient permission or the necessary rights to do so;
  • 7.   reverse engineer, decompile or disassemble any portion of the website or the Website Content;
  • 8.   use the website or the Website Content for any unlawful or unauthorised purposes, or otherwise violate any applicable laws or regulations by using the website or the Website Content.


BROWSER AND SCREEN RESOLUTION
In order to improve the user experience and better delivery of materials or information, AIA and/or CUHK may employ technologies not supported by older browsers. This website is best viewed by the latest version of browser from major vendors, such as Microsoft®, Google® or Mozilla®, with JavaScript® and SSL enabled.

You may need to install Adobe® Flash® Player and Java® Runtime to be able to enjoy some features. Moreover, some of the materials, including downloadable forms, reports, and brochures, may require Adobe® Acrobat® Reader® to be installed on your machine.

For an optimum experience, AIA websites and portals are best viewed with 1024 x 768 screen resolution.

INCONSISTENCY IN WORDINGS
In the event of any ambiguity or inconsistency between the English and local language versions of these Terms, the English version will control and prevail.

GOVERNING LAW AND JURISDICTION
These Terms will be governed by the laws of the Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong") and the parties agree to submit to the exclusive jurisdiction of the courts of Hong Kong.