"PPIB" means Pacific Prime Insurance Brokers Limited, its holding companies and subsidiaries including Kwiksure
"User" means any person who accesses this Site
1. Site Use
1.1 PPIB's affiliation with any Insurance Company or third party content providers should not be consider as a recommendation nor should such affiliations be seen as an endorsement of their services.
1.2 The User takes full and sole responsibility when using content or services provided on this and Linked Sites. Dissatisfaction with the services should be resolved by no longer using the Site.
1.3 The products and services accessed on this Site are not available for sale outside of the Hong Kong Special Administrative Region or to those not capable of entering into a legal contract. PPIB will not be legally bound by contacts entered into in such an event.
1.4 The User undertakes not to interfere with the operation of this Site, copy information from the Site or collect information about Users of the Site.
2. Liability and Indemnity
2.1 PPIB endeavour to ensure the accuracy and reliability of the information provided but does not guarantee its accuracy or reliability and accepts no liability (whether in tort or contract or otherwise) for any loss or damage arising from inaccuracies or omissions
2.2 PPIB disclaims any liability for the loss a User may suffers as a result of a computer virus in or introduced into the User's computer system by, through, or in connection with the Site or the Linked Sites
2.3 PPIB has undertaken all reasonable due diligence in generating the contents on this Site but gives no warranty as to the accuracy of any information and disclaims any liability for any inaccuracies or omissions.
2.4 Contained in this Site are links to third party Sites. The User is entirely at his own risk when accessing these Sites and under no circumstance will PPIB accept any responsibility or liability for the Linked Sites.
2.5 The User recognises that PPIB is an Insurance brokers and not an Insurance company. Consequently it does not represent Insurance companies in their dealing with Users.
2.6 No insurance coverage shall be construed as bound, inforced, applied for or assumed as a result of submission of data to PPIB. Only upon notification sent to the User by or on behalf of PPIB will Insurance be considered to be inforce.
2.7 The User should provide all relevant facts which are likely to influence whether we the Insurer accepts the Users proposal and on what terms and conditions. Failure to do so may not provide the User with the cover wanted and gives the Insurer the right to refuse any claims and void the policy completely. If you are in any doubt about a particular fact, you should inform the Insurer directly or tell PPIB. You should keep a record (including copies of letters) of all information supplied to Insurers and PPIB.
2.8 The User recognises that PPIB and its holding companies and subsidiaries have no knowledge of the Users personal data or otherwise in respect of applications and the User is advised to check all information carefully. The provision of all answers and statements in completing the proposal form or any material document are the User's own responsibility.
2.9 All products and services described in this Site or distributed by PPIB are subject to the terms and conditions of any applicable agreements. In case of doubt the User should seek assistance directly from the Insurer or PPIB.
3. Personal Information
3.1 The collection and use of User personal data is set out in accordance with the statement in the Site under the section "Privacy"
4. Termination of the Contract
4.1 Either party may, without notice and at any time terminated this agreement. Rights that have accrued to either party until such point in time are not affected by any act of termination.
5.1 In the event that any terms, conditions or clauses of the contract not being of a fundamental nature is held to be illegal or unenforceable, the validity or enforceability of the remainder of the Contract shall not be affected thereby.
5.2 These Terms and Conditions of Use are governed by the laws of the Hong Kong Special Administrative Region