Before using the online services or the web sites or any
electronic communications and/or electronic applications offered by YF Life Insurance International Ltd
("YF Life") and its subsidiaries including (YF Life Trustees Ltd. (“YFT”))
(collectively called "the Electronic System"), please read the following terms and
This is a legally binding agreement between you and YF Life and its subsidiaries
governing the terms and conditions under which the Electronic System may be used
or accessed. Use or access of the Electronic System implies that you accept all the
terms and conditions stated hereunder.
If you do not accept any of the terms and conditions hereunder, please do not use or
access the Electronic System.
YF Life is incorporated in and under the laws of Hong Kong with limited liability and its
principal office is situated at 27/F, 33 Lockhart Road, Wanchai, Hong Kong.
YF Life controls and maintains the Electronic System from its principal office in Hong
Kong. The material and information contained in the Electronic System, relating to
Hong Kong, is directed at and restricted to individuals residing in or entities having a
place of business in Hong Kong or Macau. However, YF Life and its subsidiaries
make no representation that the material and information contained in the Electronic
System is appropriate or available for use in other jurisdictions.
All the terms and conditions relating to the Electronic System are governed by the
laws of Hong Kong and any dispute shall be subject to the exclusive jurisdiction of the
courts of Hong Kong.
The distribution of the Electronic System's material (in part or in whole) may be
prohibited/restricted by law in certain jurisdictions. It is your responsibility to ensure
those prohibitions/restrictions are observed.
YF Life and its subsidiaries make no representation or warranty of any kind, express,
implied or statutory regarding the Electronic System or the material and information
contained or referred to on each page in the Electronic System. All material and
information contained in the Electronic System are provided for general information
only and should not be used as a basis for making any business decision. Any
information received via the Electronic System should not be regarded as specific
professional advice. You are recommended to obtain such professional advice as you
deem fit. The Electronic System is not intended to be used in the European Union.
Owing to unpredictable traffic congestion, openness and public nature of the Internet
and other reasons, the Internet may not be a reliable medium of communication and
that such unreliability is beyond the control of YF Life and its subsidiaries. This may
subject transactions to delays in transmission, incorrect data transmission, delays in
execution or execution of instructions at prices different from those prevailing at the
time instructions were given, misunderstanding and errors in any communication
between YF Life and/or its subsidiaries and you, transmission blackouts, interruptions
and so on.
YF Life and its subsidiaries accept no liability and will not be liable for any loss or
damage arising directly or indirectly (including special, incidental or consequential
loss or damage) from your use/access to the Electronic System, howsoever arising,
including any loss, damage or expense arising from, but not limited to, any defect,
error, imperfection, fault, mistake or inaccuracy of or in connection with the Electronic
System, its contents or associated services, or due to any unavailability of the
Electronic System or any part thereof or any contents or associated services.
For data security reasons, you are strongly recommended not to use a public
computer or wireless network available to the public to access the Electronic System.
Before accessing the Electronic System, please ensure that you have installed an
up-to-date anti-virus software and anti-spyware software on your computer to protect
it from viruses and malicious programs' attack.
Please note that any software downloaded from the Electronic System is at your own
risk, and YF Life and its subsidiaries neither assume nor accept liability for any loss or
damage (whether direct or indirect), howsoever caused, as a result of any computer
viruses, trojan horses, worms, software bombs or similar items or processes arising
from your use of the Electronic System.
All communications, instructions and applications given to YF Life and/or its
subsidiaries through the Electronic System with your user ID and login password shall
be deemed to be given by you or with your valid authorization, unless and until YF Life
and its subsidiaries receive your written notification that the security of your user ID
and login password has been compromised. Before receiving the said written
notification from you, YF Life and its subsidiaries are authorized by you to rely upon
and act in accordance with any such communications, instructions and applications
without liability. In any event, YF Life and its subsidiaries may refuse to accept any
communications, instructions and applications given through the Electronic System
upon such grounds as YF Life and its subsidiaries deem fit.
YF Life takes prudent security measure to ensure personal data collected through the
Electronic System are stored and transmitted under protection.
However, all data collected through the Electronic System are subject to risks of
exposing the data to unauthorized access and use.
YF Life and its subsidiaries will at all times observe the Personal Data (Privacy)
Ordinance (“PDPO”) in the collection, maintenance and use of your personal data
collected by YF Life and YFT. In particular, YF Life and its subsidiaries will ensure that:
You hereby agree to fully indemnify and to keep YF Life and its subsidiaries harmless
against any action, liability, cost, claim, loss, damage, proceeding or expense
(including legal fees, administrative costs and expenses on a full indemnity basis)
suffered or incurred by YF Life and/or its subsidiaries arising from or which is directly
or indirectly related to: -
(a) your access to and/or use of the Electronic System and/or any other person's or
entity's access to or use of the Electronic System where such person or entity was
able to access and use the Electronic System using your user ID and/or login
password except where you have fully complied with any guidelines, procedures or
instructions relating to the proper use of the Electronic System from time to time
notified to you by YF Life or its subsidiaries whether on the Electronic System or
otherwise, including but not limited to your responsibility to exercise due care to keep
your user ID and/or login password confidential to prevent fraud and your duty to
inform YF Life or its subsidiaries (as appropriate) as soon as you are aware that the
security of your user ID and/or login password may have been compromised and the
use of the Electronic System or any of its services is unauthorized; or
(b) any breach or non-observance of any of the above terms and conditions by you or
by any other person or entity where such person or entity was able to access and/or
use the Electronic System by using your user ID and/or login password.
YF Life is the copyright owner of all text and graphic images contained on this web
site, unless otherwise indicated. Trademarks (service marks), including the marketing
designation (fleet name) and logo, may only be used with the prior written permission
of and a license agreement from the trademark owner, and may only be used if
displayed in the correct form, are used in compliance with YF Life's corporate
standards, and are used in keeping with practices that protect our trademarks and
copyrighted material. You may make a request for permission by contacting the
responsible staff of YF Life using the "Contact Us" column of the home page. Your
requests must include the URL of your site and an explanation of the reason for
making the request for permission.