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保安資訊
- 本頁列載中銀集團人壽保險有限公司(「中銀人壽」)有關的網上的保安資訊。網上指中銀人壽eChannel網上銷售平台及電子保單服務(“eService”)。
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主要保安資訊
- ● 客戶在登入電子保單服務時，請注意登入版面有否出現任何異常情況（例如：不正常的彈出版面、視窗運作緩慢、重覆要求客戶輸入密碼等）。
- ● 客戶必須小心保管其個人資料。本公司不會以電郵、手機短訊或致電要求客戶提供其個人資料，如用戶名稱、密碼、一次性密碼或其他賬戶資料。
- ● 客戶切勿透過任何電子郵件提供的超連結登入電子保單服務。
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我們為您提供的保障
- ● 本公司採用國際認可的Transport Layer Security (「TLS」) 128位元或以上加密技術，保障資料傳送的安全，防止第三者盜取客戶的資料。
- ● 網頁伺服器設有防火牆，防止未經授權人士進入本公司的系統。
- ● 我們有系統地記錄客戶的登入次數。如客戶連續多次輸入錯誤的登入密碼，有關網上服務會被即時暫停。
- ● 如客戶正使用的網上服務靜止（即沒有任何操作指示）了一段指定時間，服務將被自動終止連線，以防止任何未經授權的交易。
-
安全憑證
- 本公司採用擴展驗證SSL證書，客戶可透過檢視瀏覽器的地址欄，核定所進入的網頁是否本公司的真確網頁。Microsoft Internet Explorer 版本9或以上瀏覽器的地址欄為綠色，是擴展驗證SSL的其中一個保安特徵。如客戶選用Microsoft Internet Explorer，亦可在電子保單服務登入版面按右下角的「安全鎖」標誌，以查閱證書內容，包括其有效日期及以下資料。請注意，顯示方式會因不同瀏覽器版本而有所差異。就有關擴展驗證SSL證書詳情，請瀏覽證書發行者VeriSign的網頁。
- 中銀人壽電子保單服務
- 發給：www.boclifeonline.com
- 發行者：Symantec Class 3 EV SSL CA –G3
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符合基本保安要求的瀏覽器
- 為確保客戶資料安全，請安裝建議的瀏覽器版本登入eChannel網上銷售平台及電子保單服務：
- ● Microsoft Internet Explorer (版本11或以上)
- ● Mozilla Firefox (版本45.2或以上)
- ● Apple Safari (版本8或以上)
- ● Google Chrome (版本43或以上)
- [如欲獲得最佳瀏覽效果，請使用Internet Explorer (版本11)、Firefox (版本45.2)、Safari (版本9)或Chrome (版本47)登入網上電子保單服務。]
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網上保安提示
- 1. 防範偽造網站
- 請保持警覺並注意任何試圖冒充本公司網址的偽造網站。客戶必須完全確定登入本公司網站(https://www.boclifeonline.com)，否則不應提供任何相關的網上服務資料。
- 2. 欺詐電郵
- 請注意，電腦病毒、特洛伊軟件及黑客程式可透過電子郵件傳播，蠕蟲病毒更可將病毒複製及發送至電郵地址簿上各收件人。因此，客戶不應開啟並應即時刪除來歷不明的電子郵件，亦不要透過電子郵件提供的超連結登入網上服務。如需開啟電子郵件內的附件，亦應先進行病毒掃描。此外，客戶應提高警覺，以防騙徒藉電郵進行不法活動。
- 3. 使用WeChat Pay的保安提示
- ● 請在App Store 或 Google Play下載WeChat應用程式。
- ● 流動設備(智能電話或平板電腦)須安裝和定期更新保安程式、防毒程式和防間諜程式。
- ● 不應於裝有盜版、破解版、僞造及／或已啟動可安裝未獲授權應用程式的流動設備、軟件保護被已解除或已獲得流動設備的軟件作業系統最高權限的流動設備上（包括但不限於已「越獄 (jailbroken)」或「刷機 (rooted)」的流動設備）使用WeChat Pay。
- ● 請確定你所使用的流動設備操作系統及應用軟件仍受供應商支援，並啟動自動更新功能，定期從可信賴的來源取得並安裝修補程式。
- ● 請設定難以猜破的鎖機密碼及自動上鎖功能。
- ● 請設定難以猜破的WeChat Pay付款密碼及切勿透露你的付款密碼予任何人。
- ● 關閉無需使用的無線網絡功能(如Wi-Fi、藍芽、NFC)。
- ● 如需使用Wi-Fi，應選用加密的網絡，並移除不必要的Wi-Fi連線設定。
- ● 為防止他人未經同意使用你的WeChat錢包，請不要離開或閒置你的流動設備，使之處於無人看管的狀態。當你完成WeChat Pay付款後，請正確地登出應用程式。
- 4. 使用AlipayHK的保安提示
- ● 請在App Store 或 Google Play下載AlipayHK應用程式。
- ● 流動設備(智能電話或平板電腦)須安裝和定期更新保安程式、防毒程式和防間諜程式。
- ● 不應於裝有盜版、破解版、僞造及／或已啟動可安裝未獲授權應用程式的流動設備、軟件保護被已解除或已獲得流動設備的軟件作業系統最高權限的流動設備上（包括但不限於已「越獄 (jailbroken)」或「刷機 (rooted)」的流動設備）使用AlipayHK。
- ● 請確定你所使用的流動設備操作系統及應用軟件仍受供應商支援，並啟動自動更新功能，定期從可信賴的來源取得並安裝修補程式。
- ● 請設定難以猜破的鎖機密碼及自動上鎖功能。
- ● 請設定難以猜破的AlipayHK付款密碼及切勿透露你的付款密碼予任何人。
- ● 關閉無需使用的無線網絡功能(如Wi-Fi、藍芽、NFC)。
- ● 如需使用Wi-Fi，應選用加密的網絡，並移除不必要的Wi-Fi連線設定。
- ● 為防止他人未經同意使用你的AlipayHK錢包，請不要離開或閒置你的流動設備，使之處於無人看管的狀態。當你完成AlipayHK付款後，請正確地登出應用程式。
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常見問題
- 1. 甚麼是Secure Socket Layer (SSL) 128位元加密技術？
- 電子保單服務所採用的128位元加密技術，為現時應用於商業的網上保安標準。所有透過網上服務傳送的資料均會以此技術進行加密處理，以保障客戶資料的安全。
- 2. 當我設定密碼時需注意甚麼？
- ● 不應使用出生日期、香港身份證/護照號碼、電話號碼或英文姓名作密碼。
- ● 不應使用連續三個或以上的相同英文字母或數字，例如「333」、「bbb」等。
- ● 不應使用順序的英文字母或數字，例如「123」、「abc」等。
- ● 不應使用與用戶名稱相同的密碼。
- 3. 我需要在甚麼時候更改密碼？
- 您應定期更改密碼。如客戶於一段時間內未有更改密碼，本公司系統將自動提示客戶更改。
- 4. 如有問題查詢，應如何聯絡貴行？
- ● 中銀人壽查詢熱線及網址
- 客戶服務熱線：
- (星期一至星期五 上午 9:00 至 下午 5:50，星期六上午9:00 至 下午 1:00)
- 香港 2860 0688
- 澳門 0800 908
- 中國內地 中國聯通：10800 852 1859
- 中國移動：10800 152 1859
- ● 電郵地址： cs@boclife.com.hk
- ● 地址： 香港太古城英皇道1111號13樓（星期一至星期五上午 9:00 至 下午 5:50
- 5. 我應如何保護個人資料？
- 當您使用網上服務時，可能需輸入個人資料（如香港身份證/護照號碼、出生日期等）作為額外身份核證，但您應保持警惕，不要隨便向任何人透露上述個人資料，並應妥善處理載有個人資料的文件（如個人信件及月結單等）。
- 6. 為何需要更新操作系統及瀏覽器？
- 定期檢查及下載軟件供應商提供的「增補程式」，有助修正操作系統或瀏覽器的保安問題，避免您的電腦受到病毒或黑客破壞及盜取資料。
- 7. 我應如何設定無線網絡的保安措施？
- ● 無線網路存取點 (Access Point或「AP」) 應避免太接近門窗，以減低暴露於無線電波的風險，避免第三者截收並破解無線網路內容。
- ● 請於使用無線網路後關閉電源及終止連線。
- ● 開啟保護無線網路的設定，切勿向任何人透露您的無線網路保安設定。
- 8. 使用互聯網需注意甚麼保安措施？
- ● 毋須使用互聯網時，應中斷互聯網的連線服務。
- ● 如使用電子工具儲存個人資料，請加以保密資料以防止被第三者盜取及使用。
- ● 切勿在瀏覽器選擇儲存或保留密碼，並關閉瀏覽器的「自動完成」設定，防止第三者從瀏覽器盜取您的資料。
- ● 關閉視窗系統的「檔案及列印分享」功能，並限制電腦使用者的存取權限，以免第三者透過網絡盜取您的個人資料。
- ● 切勿下載或安裝非法或來歷不明的軟件，以免感染電腦病毒或特洛伊程式。在開啟任何外來檔案前，先以防毒軟件進行掃描。
- 9. 我可以從哪裏獲得更多關於使用電子保單服務的保安措施？
- ● 香港警察 - 有關科技罪行和預防
- ● 香港特區政府 - 資訊安全網
關閉
Security Information
- This webpage sets out the security information of the Internet Services offered by BOC Group Life Assurance Co. Ltd. (“BOC Life”). Internet Services include BOC Life’s eChannel Online Platform and eService.
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Important Security Information
- ● Customers are reminded to stay vigilant to anything abnormal when logging into the eService (e.g. unusual pop-up screens, unusually slow browser response, multiple requests for password input etc).
- ● Please keep your personal information secure. Company will not enquire customer's personal information, e.g. user name, password, One-Time Password (“OTP”) or other account details by email, SMS or by phone.
- ● Customers are reminded NOT to log into Internet Services through hyperlinks embedded in any emails.
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What have we done to protect you?
- ● We have adopted the 128-bit or above Transport Layer Security ("TLS") encryption to ensure the security of your data during transmission and prevent any unauthorised access by the third party to your data.
- ● Our web servers are protected by firewall systems to prevent any unauthorised access to Company’s system.
- ● Customers’ login attempts are recorded systematically. In the event of several consecutive login attempts with incorrect password, the related Internet Service will be suspended immediately.
- ● The Internet Services will be automatically disconnected after remaining inactive (i.e. no operational instructions have been received) over a period of time to prevent unauthorised transaction.
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Security Certificate
- Company has adopted Extended Validation ("EV") SSL Certificate. You can verify Company’s websites by checking the address bar of your browser, which is green for the browser of Microsoft Internet Explorer Version 9 or above, one of the security features of EV SSL. You may also check the certification details, including the date of the certificate and the following information, by clicking the "security lock icon" at the bottom right corner of the login page of eService using the browser of Microsoft Internet Explorer. Please note that the layouts would be different for different browsers. For details of the EV SSL Certificate, please refer to the website of VeriSign, the issuer of the certificate.
- BOC Life eService
- Domain name as issued to: boclifeonline.com
- Issued by: Symantec Class 3 EV SSL CA –G3
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Recommended browsers for minimum security requirements
- To ensure customer data security, please install any of the browser versions we recommend to log into the eChannel Online Platform and eService.
- ● Microsoft Internet Explorer (Version 11 or above)
- ● Mozilla Firefox (Version 45.2 or above)
- ● Apple Safari (Version 8 or above)
- ● Google Chrome (Version 43 or above)
- [For optimal viewing, please use Internet Explorer (Version 11) , Firefox (Version 45.2), Safari (Version 9) or Chrome (Version 47) to login to eService.]
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Information Security Tips
- 1. Beware of fraudulent website
- Customers are reminded to be vigilant of any fraudulent websites which seek to pass off as Company’s websites. Unless you are certain that you are connected to the websites of Company (https://www.boclifeonline.com), particulars of your Internet Services should not be provided.
- 2. Fraudulent emails
- Please note that viruses, Trojan software and hacker programmes can be distributed via emails. Virus like "Worms" can even reproduce and deliver infected emails to the recipients in your address book. Hence, you should not open any unknown or suspicious emails. Instead, you should delete them immediately. Please do not log into Internet Services through hyperlinks embedded in any emails. You should also perform virus scanning before opening any attachment. In addition, you should pay extra care as fraudsters will perpetrate frauds using emails.
- 3. Security tips for using WeChat Pay
- ● Please download the WeChat Application from App Store or Google Play.
- ● Install and update the latest security application, anti-virus application and anti-spyware application regularly on your mobile devices (smartphone or tablet).
- ● Never use WeChat Pay in a mobile device with any pirated hacked, fake and/or unauthorised applications or in which the software lockdown has been overridden or root access to its software operating system has been obtained (such as, but without limitation, a "jailbroken" or a "rooted" mobile device).
- ● Please make sure you are using supported versions of OS and applications of your mobile devices. Enable the auto-update feature to obtain and apply security patches regularly from trusted sources.
- ● Set a passcode for your mobile device that is difficult to guess and activate the auto-lock function.
- ● Set your WeChat Pay payment password that is difficult to guess and do not disclose such payment password to anyone.
- ● Disable any wireless network functions (e.g. Wi-Fi, Bluetooth, NFC) not in use.
- ● Choose encrypted network when using Wi-Fi and remove any unnecessary Wi-Fi connection settings.
- ● To prevent unauthorised access to your WeChat wallet, do not leave your mobile device unattended. Always log off properly when you are finished making WeChat Pay payment.
- 4. Security tips for using AlipayHK
- ● Please download the AlipayHK Application from App Store or Google Play.
- ● Install and update the latest security application, anti-virus application and anti-spyware application regularly on your mobile devices (smartphone or tablet).
- ● Never use AlipayHK in a mobile device with any pirated hacked, fake and/or unauthorised applications or in which the software lockdown has been overridden or root access to its software operating system has been obtained (such as, but without limitation, a "jailbroken" or a "rooted" mobile device).
- ● Please make sure you are using supported versions of OS and applications of your mobile devices. Enable the auto-update feature to obtain and apply security patches regularly from trusted sources.
- ● Set a passcode for your mobile device that is difficult to guess and activate the auto-lock function.
- ● Set your AlipayHK payment password that is difficult to guess and do not disclose such payment password to anyone.
- ● Disable any wireless network functions (e.g. Wi-Fi, Bluetooth, NFC) not in use.
- ● Choose encrypted network when using Wi-Fi and remove any unnecessary Wi-Fi connection settings.
- ● To prevent unauthorised access to your AlipayHK wallet, do not leave your mobile device unattended. Always log off properly when you are finished making AlipayHK payment.
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Frequently asked questions
- 1. What is 128-bit SSL encryption?
- Our Internet Services have adopted 128-bit SSL encryption, one of the online security standards for commercial application. All data transmitted via the Internet Services are protected by this technology to ensure data security.
- 2. What precautions should I take when I set up my password?
- ● Do not use your date of birth, HKID/passport number, telephone number or any combinations of your English name as your password.
- ● Do not use 3 or more consecutive identical alphabets or digits, e.g. "333", "bbb", etc.
- ● Do not use sequential alphabets or digits, e.g. "123", "abc", etc.
- ● Do not use your user name/login ID as your password.
- 3. How often should I change my password?
- You are advised to change your password regularly. If you have not changed your password over certain period of time, our system will remind you automatically.
- 4. How can I contact you in case of any enquiries?
- ● BOC Life’s enquiry hotlines and website
- Customer Service Hotline:
- (Monday to Friday 9:00 a.m. to 5:50 p.m., Saturday 9:00 a.m. to 1:00 p.m.)
- Hong Kong 2860 0688
- Macau 0800 908
- Mainland China China Unicom: 10800 852 1859
- China Mobile: 10800 152 1859
- ● Email: cs@boclife.com.hk
- ● Address: 13/F, 1111 King's Road, Taikoo Shing, Hong Kong (Monday to Friday 9:00 a.m. to 5:50 p.m.)
- 5. How can I protect my personal information?
- You may be asked to provide your personal information (such as HKID/passport number and date of birth) as additional identity verification when using the Internet Services. However, you should not disclose your personal information to anyone other than for the aforesaid purpose. You should also keep the documents (such as letters and bank statements) which include your personal information in a proper and secure manner.
- 6. Why should I update my operating systems and browsers regularly?
- You should check and download patches provided by software vendors to fix security loopholes of the operating systems or web browsers. This helps avoid unauthorised access or attacks of computer viruses or hackers.
- 7. How can I set up the security settings of Wireless LAN?
- ● Do not place the Access Point (“AP”) too close to doors and windows to avoid data captured and decrypted by any third party due to wireless signal exposure.
- ● Turn off the power supply and disconnect from the wireless network after use.
- ● Take appropriate security measures to protect the Wireless LAN.
- ● Do not disclose the security setting of your wireless network to any third party.
- 8. Precautionary measures for using internet
- ● Disconnect from internet after you have finished using the internet.
- ● Encrypt and secure your electronic storage media to protect your personal data from unauthorised access or use by any third party.
- ● Do not save or keep your password in your browser, and disable the "Auto-Complete" feature to prevent any third party from accessing your information via the browser.
- ● Disable the "File and Printer Sharing" function and set up the proper access rights of your computer to avoid unauthorised access by third party to your data via the network.
- ● Do not download or install any illegal or unauthorised software to prevent infection of computer virus or Trojan Software. Remember to perform virus scanning before opening any files from insecure sources.
- 9. Where can I obtain more information about the precautionary measures of using the Internet Services?
- ● Hong Kong Police - Introduction to Technology Crime and Prevention Tips
- ● HKSAR Government –The InfoSec Web Site
Close
保安資訊
- 本頁列載中銀集團人壽保險有限公司(「中銀人壽」)有關的網上的保安資訊。網上指中銀人壽eChannel網上銷售平台及電子保單服務(“eService”)。
-
主要保安資訊
- ● 客戶在登入電子保單服務時，請注意登入版面有否出現任何異常情況（例如：不正常的彈出版面、視窗運作緩慢、重覆要求客戶輸入密碼等）。
- ● 客戶必須小心保管其個人資料。本公司不會以電郵、手機短訊或致電要求客戶提供其個人資料，如用戶名稱、密碼、一次性密碼或其他賬戶資料。
- ● 客戶切勿透過任何電子郵件提供的超連結登入電子保單服務。
-
我們為您提供的保障
- ● 本公司採用國際認可的Transport Layer Security (「TLS」) 128位元或以上加密技術，保障資料傳送的安全，防止第三者盜取客戶的資料。
- ● 網頁伺服器設有防火牆，防止未經授權人士進入本公司的系統。
- ● 我們有系統地記錄客戶的登入次數。如客戶連續多次輸入錯誤的登入密碼，有關網上服務會被即時暫停。
- ● 如客戶正使用的網上服務靜止（即沒有任何操作指示）了一段指定時間，服務將被自動終止連線，以防止任何未經授權的交易。
-
安全憑證
- 本公司採用擴展驗證SSL證書，客戶可透過檢視瀏覽器的地址欄，核定所進入的網頁是否本公司的真確網頁。Microsoft Internet Explorer 版本9或以上瀏覽器的地址欄為綠色，是擴展驗證SSL的其中一個保安特徵。如客戶選用Microsoft Internet Explorer，亦可在電子保單服務登入版面按右下角的「安全鎖」標誌，以查閱證書內容，包括其有效日期及以下資料。請注意，顯示方式會因不同瀏覽器版本而有所差異。就有關擴展驗證SSL證書詳情，請瀏覽證書發行者VeriSign的網頁。
- 中銀人壽電子保單服務
- 發給：www.boclifeonline.com
- 發行者：Symantec Class 3 EV SSL CA –G3
-
符合基本保安要求的瀏覽器
- 為確保客戶資料安全，請安裝建議的瀏覽器版本登入eChannel網上銷售平台及電子保單服務：
- ● Microsoft Internet Explorer (版本11或以上)
- ● Mozilla Firefox (版本45.2或以上)
- ● Apple Safari (版本8或以上)
- ● Google Chrome (版本43或以上)
- [如欲獲得最佳瀏覽效果，請使用Internet Explorer (版本11)、Firefox (版本45.2)、Safari (版本9)或Chrome (版本47)登入網上電子保單服務。]
-
網上保安提示
- 1. 防範偽造網站
- 請保持警覺並注意任何試圖冒充本公司網址的偽造網站。客戶必須完全確定登入本公司網站(https://www.boclifeonline.com)，否則不應提供任何相關的網上服務資料。
- 2. 欺詐電郵
- 請注意，電腦病毒、特洛伊軟件及黑客程式可透過電子郵件傳播，蠕蟲病毒更可將病毒複製及發送至電郵地址簿上各收件人。因此，客戶不應開啟並應即時刪除來歷不明的電子郵件，亦不要透過電子郵件提供的超連結登入網上服務。如需開啟電子郵件內的附件，亦應先進行病毒掃描。此外，客戶應提高警覺，以防騙徒藉電郵進行不法活動。
- 3. 使用WeChat Pay的保安提示
- ● 請在App Store 或 Google Play下載WeChat應用程式。
- ● 流動設備(智能電話或平板電腦)須安裝和定期更新保安程式、防毒程式和防間諜程式。
- ● 不應於裝有盜版、破解版、僞造及／或已啟動可安裝未獲授權應用程式的流動設備、軟件保護被已解除或已獲得流動設備的軟件作業系統最高權限的流動設備上（包括但不限於已「越獄 (jailbroken)」或「刷機 (rooted)」的流動設備）使用WeChat Pay。
- ● 請確定你所使用的流動設備操作系統及應用軟件仍受供應商支援，並啟動自動更新功能，定期從可信賴的來源取得並安裝修補程式。
- ● 請設定難以猜破的鎖機密碼及自動上鎖功能。
- ● 請設定難以猜破的WeChat Pay付款密碼及切勿透露你的付款密碼予任何人。
- ● 關閉無需使用的無線網絡功能(如Wi-Fi、藍芽、NFC)。
- ● 如需使用Wi-Fi，應選用加密的網絡，並移除不必要的Wi-Fi連線設定。
- ● 為防止他人未經同意使用你的WeChat錢包，請不要離開或閒置你的流動設備，使之處於無人看管的狀態。當你完成WeChat Pay付款後，請正確地登出應用程式。
- 4. 使用AlipayHK的保安提示
- ● 請在App Store 或 Google Play下載AlipayHK應用程式。
- ● 流動設備(智能電話或平板電腦)須安裝和定期更新保安程式、防毒程式和防間諜程式。
- ● 不應於裝有盜版、破解版、僞造及／或已啟動可安裝未獲授權應用程式的流動設備、軟件保護被已解除或已獲得流動設備的軟件作業系統最高權限的流動設備上（包括但不限於已「越獄 (jailbroken)」或「刷機 (rooted)」的流動設備）使用AlipayHK。
- ● 請確定你所使用的流動設備操作系統及應用軟件仍受供應商支援，並啟動自動更新功能，定期從可信賴的來源取得並安裝修補程式。
- ● 請設定難以猜破的鎖機密碼及自動上鎖功能。
- ● 請設定難以猜破的AlipayHK付款密碼及切勿透露你的付款密碼予任何人。
- ● 關閉無需使用的無線網絡功能(如Wi-Fi、藍芽、NFC)。
- ● 如需使用Wi-Fi，應選用加密的網絡，並移除不必要的Wi-Fi連線設定。
- ● 為防止他人未經同意使用你的AlipayHK錢包，請不要離開或閒置你的流動設備，使之處於無人看管的狀態。當你完成AlipayHK付款後，請正確地登出應用程式。
-
常見問題
- 1. 甚麼是Secure Socket Layer (SSL) 128位元加密技術？
- 電子保單服務所採用的128位元加密技術，為現時應用於商業的網上保安標準。所有透過網上服務傳送的資料均會以此技術進行加密處理，以保障客戶資料的安全。
- 2. 當我設定密碼時需注意甚麼？
- ● 不應使用出生日期、香港身份證/護照號碼、電話號碼或英文姓名作密碼。
- ● 不應使用連續三個或以上的相同英文字母或數字，例如「333」、「bbb」等。
- ● 不應使用順序的英文字母或數字，例如「123」、「abc」等。
- ● 不應使用與用戶名稱相同的密碼。
- 3. 我需要在甚麼時候更改密碼？
- 您應定期更改密碼。如客戶於一段時間內未有更改密碼，本公司系統將自動提示客戶更改。
- 4. 如有問題查詢，應如何聯絡貴行？
- ● 中銀人壽查詢熱線及網址
- 客戶服務熱線：
- (星期一至星期五 上午 9:00 至 下午 5:50，星期六上午9:00 至 下午 1:00)
- 香港 2860 0688
- 澳門 0800 908
- 中國內地 中國聯通：10800 852 1859
- 中國移動：10800 152 1859
- ● 電郵地址： cs@boclife.com.hk
- ● 地址： 香港太古城英皇道1111號13樓（星期一至星期五上午 9:00 至 下午 5:50
- 5. 我應如何保護個人資料？
- 當您使用網上服務時，可能需輸入個人資料（如香港身份證/護照號碼、出生日期等）作為額外身份核證，但您應保持警惕，不要隨便向任何人透露上述個人資料，並應妥善處理載有個人資料的文件（如個人信件及月結單等）。
- 6. 為何需要更新操作系統及瀏覽器？
- 定期檢查及下載軟件供應商提供的「增補程式」，有助修正操作系統或瀏覽器的保安問題，避免您的電腦受到病毒或黑客破壞及盜取資料。
- 7. 我應如何設定無線網絡的保安措施？
- ● 無線網路存取點 (Access Point或「AP」) 應避免太接近門窗，以減低暴露於無線電波的風險，避免第三者截收並破解無線網路內容。
- ● 請於使用無線網路後關閉電源及終止連線。
- ● 開啟保護無線網路的設定，切勿向任何人透露您的無線網路保安設定。
- 8. 使用互聯網需注意甚麼保安措施？
- ● 毋須使用互聯網時，應中斷互聯網的連線服務。
- ● 如使用電子工具儲存個人資料，請加以保密資料以防止被第三者盜取及使用。
- ● 切勿在瀏覽器選擇儲存或保留密碼，並關閉瀏覽器的「自動完成」設定，防止第三者從瀏覽器盜取您的資料。
- ● 關閉視窗系統的「檔案及列印分享」功能，並限制電腦使用者的存取權限，以免第三者透過網絡盜取您的個人資料。
- ● 切勿下載或安裝非法或來歷不明的軟件，以免感染電腦病毒或特洛伊程式。在開啟任何外來檔案前，先以防毒軟件進行掃描。
- 9. 我可以從哪裏獲得更多關於使用電子保單服務的保安措施？
- ● 香港警察 - 有關科技罪行和預防
- ● 香港特區政府 - 資訊安全網
關閉
Security Information
- This webpage sets out the security information of the Internet Services offered by BOC Group Life Assurance Co. Ltd. (“BOC Life”). Internet Services include BOC Life’s eChannel Online Platform and eService.
-
Important Security Information
- ● Customers are reminded to stay vigilant to anything abnormal when logging into the eService (e.g. unusual pop-up screens, unusually slow browser response, multiple requests for password input etc).
- ● Please keep your personal information secure. Company will not enquire customer's personal information, e.g. user name, password, One-Time Password (“OTP”) or other account details by email, SMS or by phone.
- ● Customers are reminded NOT to log into Internet Services through hyperlinks embedded in any emails.
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What have we done to protect you?
- ● We have adopted the 128-bit or above Transport Layer Security ("TLS") encryption to ensure the security of your data during transmission and prevent any unauthorised access by the third party to your data.
- ● Our web servers are protected by firewall systems to prevent any unauthorised access to Company’s system.
- ● Customers’ login attempts are recorded systematically. In the event of several consecutive login attempts with incorrect password, the related Internet Service will be suspended immediately.
- ● The Internet Services will be automatically disconnected after remaining inactive (i.e. no operational instructions have been received) over a period of time to prevent unauthorised transaction.
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Security Certificate
- Company has adopted Extended Validation ("EV") SSL Certificate. You can verify Company’s websites by checking the address bar of your browser, which is green for the browser of Microsoft Internet Explorer Version 9 or above, one of the security features of EV SSL. You may also check the certification details, including the date of the certificate and the following information, by clicking the "security lock icon" at the bottom right corner of the login page of eService using the browser of Microsoft Internet Explorer. Please note that the layouts would be different for different browsers. For details of the EV SSL Certificate, please refer to the website of VeriSign, the issuer of the certificate.
- BOC Life eService
- Domain name as issued to: boclifeonline.com
- Issued by: Symantec Class 3 EV SSL CA –G3
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Recommended browsers for minimum security requirements
- To ensure customer data security, please install any of the browser versions we recommend to log into the eChannel Online Platform and eService.
- ● Microsoft Internet Explorer (Version 11 or above)
- ● Mozilla Firefox (Version 45.2 or above)
- ● Apple Safari (Version 8 or above)
- ● Google Chrome (Version 43 or above)
- [For optimal viewing, please use Internet Explorer (Version 11) , Firefox (Version 45.2), Safari (Version 9) or Chrome (Version 47) to login to eService.]
-
Information Security Tips
- 1. Beware of fraudulent website
- Customers are reminded to be vigilant of any fraudulent websites which seek to pass off as Company’s websites. Unless you are certain that you are connected to the websites of Company (https://www.boclifeonline.com), particulars of your Internet Services should not be provided.
- 2. Fraudulent emails
- Please note that viruses, Trojan software and hacker programmes can be distributed via emails. Virus like "Worms" can even reproduce and deliver infected emails to the recipients in your address book. Hence, you should not open any unknown or suspicious emails. Instead, you should delete them immediately. Please do not log into Internet Services through hyperlinks embedded in any emails. You should also perform virus scanning before opening any attachment. In addition, you should pay extra care as fraudsters will perpetrate frauds using emails.
- 3. Security tips for using WeChat Pay
- ● Please download the WeChat Application from App Store or Google Play.
- ● Install and update the latest security application, anti-virus application and anti-spyware application regularly on your mobile devices (smartphone or tablet).
- ● Never use WeChat Pay in a mobile device with any pirated hacked, fake and/or unauthorised applications or in which the software lockdown has been overridden or root access to its software operating system has been obtained (such as, but without limitation, a "jailbroken" or a "rooted" mobile device).
- ● Please make sure you are using supported versions of OS and applications of your mobile devices. Enable the auto-update feature to obtain and apply security patches regularly from trusted sources.
- ● Set a passcode for your mobile device that is difficult to guess and activate the auto-lock function.
- ● Set your WeChat Pay payment password that is difficult to guess and do not disclose such payment password to anyone.
- ● Disable any wireless network functions (e.g. Wi-Fi, Bluetooth, NFC) not in use.
- ● Choose encrypted network when using Wi-Fi and remove any unnecessary Wi-Fi connection settings.
- ● To prevent unauthorised access to your WeChat wallet, do not leave your mobile device unattended. Always log off properly when you are finished making WeChat Pay payment.
- 4. Security tips for using AlipayHK
- ● Please download the AlipayHK Application from App Store or Google Play.
- ● Install and update the latest security application, anti-virus application and anti-spyware application regularly on your mobile devices (smartphone or tablet).
- ● Never use AlipayHK in a mobile device with any pirated hacked, fake and/or unauthorised applications or in which the software lockdown has been overridden or root access to its software operating system has been obtained (such as, but without limitation, a "jailbroken" or a "rooted" mobile device).
- ● Please make sure you are using supported versions of OS and applications of your mobile devices. Enable the auto-update feature to obtain and apply security patches regularly from trusted sources.
- ● Set a passcode for your mobile device that is difficult to guess and activate the auto-lock function.
- ● Set your AlipayHK payment password that is difficult to guess and do not disclose such payment password to anyone.
- ● Disable any wireless network functions (e.g. Wi-Fi, Bluetooth, NFC) not in use.
- ● Choose encrypted network when using Wi-Fi and remove any unnecessary Wi-Fi connection settings.
- ● To prevent unauthorised access to your AlipayHK wallet, do not leave your mobile device unattended. Always log off properly when you are finished making AlipayHK payment.
-
Frequently asked questions
- 1. What is 128-bit SSL encryption?
- Our Internet Services have adopted 128-bit SSL encryption, one of the online security standards for commercial application. All data transmitted via the Internet Services are protected by this technology to ensure data security.
- 2. What precautions should I take when I set up my password?
- ● Do not use your date of birth, HKID/passport number, telephone number or any combinations of your English name as your password.
- ● Do not use 3 or more consecutive identical alphabets or digits, e.g. "333", "bbb", etc.
- ● Do not use sequential alphabets or digits, e.g. "123", "abc", etc.
- ● Do not use your user name/login ID as your password.
- 3. How often should I change my password?
- You are advised to change your password regularly. If you have not changed your password over certain period of time, our system will remind you automatically.
- 4. How can I contact you in case of any enquiries?
- ● BOC Life’s enquiry hotlines and website
- Customer Service Hotline:
- (Monday to Friday 9:00 a.m. to 5:50 p.m., Saturday 9:00 a.m. to 1:00 p.m.)
- Hong Kong 2860 0688
- Macau 0800 908
- Mainland China China Unicom: 10800 852 1859
- China Mobile: 10800 152 1859
- ● Email: cs@boclife.com.hk
- ● Address: 13/F, 1111 King's Road, Taikoo Shing, Hong Kong (Monday to Friday 9:00 a.m. to 5:50 p.m.)
- 5. How can I protect my personal information?
- You may be asked to provide your personal information (such as HKID/passport number and date of birth) as additional identity verification when using the Internet Services. However, you should not disclose your personal information to anyone other than for the aforesaid purpose. You should also keep the documents (such as letters and bank statements) which include your personal information in a proper and secure manner.
- 6. Why should I update my operating systems and browsers regularly?
- You should check and download patches provided by software vendors to fix security loopholes of the operating systems or web browsers. This helps avoid unauthorised access or attacks of computer viruses or hackers.
- 7. How can I set up the security settings of Wireless LAN?
- ● Do not place the Access Point (“AP”) too close to doors and windows to avoid data captured and decrypted by any third party due to wireless signal exposure.
- ● Turn off the power supply and disconnect from the wireless network after use.
- ● Take appropriate security measures to protect the Wireless LAN.
- ● Do not disclose the security setting of your wireless network to any third party.
- 8. Precautionary measures for using internet
- ● Disconnect from internet after you have finished using the internet.
- ● Encrypt and secure your electronic storage media to protect your personal data from unauthorised access or use by any third party.
- ● Do not save or keep your password in your browser, and disable the "Auto-Complete" feature to prevent any third party from accessing your information via the browser.
- ● Disable the "File and Printer Sharing" function and set up the proper access rights of your computer to avoid unauthorised access by third party to your data via the network.
- ● Do not download or install any illegal or unauthorised software to prevent infection of computer virus or Trojan Software. Remember to perform virus scanning before opening any files from insecure sources.
- 9. Where can I obtain more information about the precautionary measures of using the Internet Services?
- ● Hong Kong Police - Introduction to Technology Crime and Prevention Tips
- ● HKSAR Government –The InfoSec Web Site
Close
電子保單服務條款及細則
-
1. 定義
- 1.1 「中銀人壽」指中銀集團人壽保險有限公司。
- 1.2 「保單通知書」指中銀人壽就保單或產品及服務而不定時以紙張形式發出或提供的任何通知書、報告、訊息、記錄、確認書、收據、認收書、通告、結單或通訊。
- 1.3 「電子保單通知書」指中銀人壽透過電子保單服務以電子形式向您發出或提供的指定保單通知書。
- 1.4 「指定保單通知書」指中銀人壽透過電子保單服務以電子形式所提供並由中銀人壽以唯一及絕對酌情權而不定時決定的保單通知書類型。
- 1.5 「電子保單通知書服務」指中銀人壽透過電子保單服務向您發送電子保單通知書的服務。
- 1.6 「電子保單合約服務」指中銀人壽透過電子保單服務以電子形式向您發送保單合約文件及保單資料冊的服務。
- 1.7 「電子保單服務」指中銀人壽在本網站不定時為您提供的服務及其他配套服務（如有）。
- 1.8 「保單合約文件」指保單條款、投保表格、承保表及不定時由中銀人壽發出並附加於保單條款的任何附表及／或加簽批單。
- 1.9 「保單資料冊」指中銀人壽於批核您的保單申請後向您發出的全套保單文件，包括但不限於保單合約文件及利益說明。
-
2. 使用條款
- 2.1 在任何時候使用電子保單服務需受本條款及細則約束，而本條款及細則將由中銀人壽不時修訂，補充和/或修改。
- 2.2 當進入及使用電子保單服務時，您確認您已閱讀並明白所有本條款及細則以及您同意受其及其所有修訂，補充和修改的約束。
- 2.3 本條款及細則無損且不抵觸您投保於中銀人壽的保單條款及細則。除中銀人壽訂明外，有關的保單條款及細則應繼續適用。如保單條款及細則與電子保單服務的條款及細則有任何不一致，在有關於電子保單差異部分會以電子保單服務為準。
-
3. 進入及使用電子保單服務
- 3.1 在第一次進入電子保單服務時，您必須以中銀人壽不時指定的方式進行註冊。成功註冊後，您可透過電子保單服務查閱你名下所有生效中的保單。
- 3.2 您一經登記使用中銀人壽的電子保單服務，即您須確保在所有相關時候就電子保單服務而提供予中銀人壽之所有詳情及資料乃屬真確、完整、準確及最新的資料；而您承諾就已提交資料有任何更改時須儘快通知中銀人壽。
- 3.3 中銀人壽保留不時終止、訂明、添加、刪除、修改、減少或改變電子保單服務服務範圍和功能及/或取消或暫停或終止電子保單服務(或其任何部份)而在任何時候無需經您的同意及無論有沒有通知的唯一及絕對酌情權利，並以中銀人壽認為合適的通訊方式通知您，而當您繼續是電子保單服務的註冊用戶或在該條款及細則生效後使用電子保單服務，此等修訂對您具有約束力。
- 3.4 在暫停或終止電子保單服務的情況下（不論如何發生），中銀人壽在任何情況下無需就暫停或終止電子保單服務承擔任何責任。此暫停或終止無損及不會影響您與中銀人壽在暫停或終止日前已產生的責任及權益。
- 3.5 假如基於任何理由(例如於截止時間後) 電子保單服務不接納您的指示，請重新嘗試。電子保單服務不會自行重新處理您的指示及電子保單服務可處理您指示內的一個訊息，而毋須查核該訊息是否與其他訊息有抵觸。
- 3.6 中銀人壽可接納或拒絕電子保單服務所收到但與有關渠道所提供的服務無關的指示。
- 3.7 在您的電腦或其他設備上所顯示或打印的交易及訊息僅供您參考之用。
- 3.8 中銀人壽可向您的電腦或設備下載資料，包括識別數據。
- 3.9 當訊息已經由電子保單服務寄出或於中銀人壽網頁登佈，您被視為已收取該等訊息。
- 3.10 有關的記錄只會在中銀人壽決定的期間保留在電子保單服務或本網站內。
- 3.11 本網站由中銀人壽寄存，並通過一個獨立服務供應商連結互聯網。該獨立服務供應商並非中銀人壽的代理人，中銀人壽需發出通知而不時更改本網站及網站上的資料。
- 3.12 中銀人壽只會藉記錄您的域名伺服器地址及您所瀏覽的網頁，記錄您的來訪。除另有訂明外，中銀人壽不會收集任何個人資料。在使用本網站的統計數字只會顯示訪客的數目及類別。
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4. 電子保單合約服務╱電子保單通知書服務
- 4.1 在您成功登記電子保單合約服務後，保單資料冊及／或保單合約文件之列印本將不會印發及郵寄往您最新登記的郵寄地址。如欲要求保單資料冊及／或保單合約文件列印本，您應透過中銀人壽客戶服務熱線 (852) 2860 0688或您的保險顧問作申請。
- 4.2 在不損害上文第 3.9 節的一般性的情況下，您同意當中銀人壽以電子形式把保單資料冊及／或保單合約文件存放到電子保單服務帳戶應被視為中銀人壽已將上述文件發送予您。當新保單繕發後，中銀人壽會向您最新所提供的流動電話號碼發送一條短訊，通知您可在網上查看保單資料冊及／或保單合約文件； 上述之短訊亦會提示您有權在指定日期前重新考慮購保單的決定。您亦同意儘速在網上下載及檢視保單資料冊及／或保單合約文件。若您未能收到短訊，將立即聯絡中銀人壽客戶服務熱線 (852) 2860 0688或您的保險顧問。
- 4.3 在您成功登記電子保單通知書服務後，日後所有指定保單通知書之列印本將不會印發及郵寄往您最新登記的郵寄地址。
- 4.4 在不損害上文第 3.9 節的一般性的情況下，您同意當中銀人壽以電子形式把指定保單通知書存放到電子保單服務帳戶應被視為中銀人壽已將上述文件發送予您。當您的電子保單通知書備妥時，中銀人壽會向您最新所提供的流動電話號碼發送一條短訊，通知您可在網上查看文件。你亦同意儘速在網上查看電子保單通知書。若您未能收到短訊，將立即聯絡中銀人壽客戶服務熱線 (852) 2860 0688或您的保險顧問。
- 4.5 所有透過電子保單服務所提供的電子保單通知書，只能在其發出日期後的 48 個月內或由中銀人壽以唯一及絕對酌情權而不定時決定的指定期限內在網上查看，不論您是否已實際檢視及╱或儲存該等電子保單通知書。該指定期限屆滿後，有關的電子保單通知書將從電子保單服務中永久刪除。
- 4.6 如欲取消您的電子保單通知書服務的登記，您應聯絡中銀人壽客戶服務熱線 (852) 2860 0688或您的保險顧問，或直接於電子保單服務作出申請。申請獲得批准後，中銀人壽將自動印發您日後所有指定保單通知書，並將此指定保單通知書郵寄往您最新登記的郵寄地址。
- 4.7 倘若因您的流動電話號碼有變或失效或因通訊系統的系統故障或中斷或中銀人壽控制以外的其他原因而導致您無法收取短訊提示，中銀人壽將不會負上任何責任。
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5. 用戶名稱及互聯網安全
- 1. 防範偽造網站
- 5.1 電子保單服務只供您個人使用。在任何時候，您必須嚴格及採取一切合理的審慎措施保存您的用戶名稱和密碼。不論由中銀人壽寄發密碼，或由您自行設定密碼，當中所涉風險須由您自負。您不得在任何情況下透露您的用戶名稱和密碼給其他人使用電子保單服務。中銀人壽概不負責或承擔任何可能由於未經授權使用的用戶名稱和密碼而造成的任何損害或損失。
- 5.2 任何使用您的密碼發出的指示均屬有效，並對您具約束力。
- 5.3 假如您以欺詐手法行事或因嚴重疏忽，或容許任何第三方使用您的密碼，或未能遵守條款5.1，您將承擔所有損失的責任。
- 5.4 您同意全權負責確保你的設備或裝置（包括其已安裝的軟件）能夠在使用電子保單服務時良好運行，並維持您的設備或裝置的安全性。
- 5.5 在進入和使用電子保單服務，您確認並接受在使用和通過互聯網傳送的信息所固有的風險，您並同意採取所有合理可行的措施，以確保和維護您的設備和裝置能安全使用電子保單服務。
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6. 網上交易
- 透過互聯網進行之交易可能會被干擾、中斷、延遲或出現錯誤。中銀人壽概不就因通訊設備發生非中銀人壽可控制之故障，而導致透過本網站傳送之訊息或進行之交易失誤而負責。
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7. 網上指示
- 7.1 對於不論全部或部份由於中銀人壽無法控制的情況（包括但不限於儀器失靈或故障）而導致任何中銀人壽不能執行您的網上指示，中銀人壽概不負上任何責任。不論在任何情況下，您因中銀人壽執行或不執行其網上指示而引致或與此有關的任何直接、間接或因而引起的損失，中銀人壽亦概不負責。
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7.2 當您憑著密碼使用中銀人壽的電子保單服務時，中銀人壽即獲授權按您的網上指示提供服務而您同意：
- (a) 中銀人壽獲授權根據其相信乃是由您利用電子保單服務密碼發出的網上指示而辦事。對於中銀人壽真誠地按實際上未經授權人士的網上指示去辦事均屬有效並對您具約束力，中銀人壽將毋須負上任何責任。此外，對於報稱以您名義而發出網上指示的人士之身份，中銀人壽亦無任何責任進行鑒別。
- (b) 除因中銀人壽故意失責外，您在任何時候須負責賠償及保障中銀人壽免受由於中銀人壽接納網上指示並且執行或未有執行該等指示而直接或間接地導致或關係到的行為。此等行為包括中銀人壽不時可能面對、引起或蒙受的一切法律行動、訴訟、索償、損失、費用及開支。此等責任即使在您或中銀人壽及其集團內的任何公司及相關聯公司終止電子保單服務後仍繼續生效。
- (c) 您按照本條款及細則所發出網上指示的權利，無論何時均須受到中銀人壽或其集團內的任何公司及相關聯公司決定的約束。中銀人壽或其集團內的任何公司及相關聯公司並可隨時取消此等權利及 / 或終止電子保單服務而毋須事前通知您。
- (d) 您須受到與其所投保的人壽保險計畫有關的保險合同條款及規章約束。倘若該保險合同條款及規章與本條款及細則有抵觸，則以前者為準。
- 7.3 您將確保您的指示完整及正確。指示一經接納，如未經中銀人壽同意，一概不得更改或取消。即使未能履行指示，你仍需就可能會產生之收費及合理的開支負責。
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8. 免責聲明
- 8.1 本網站所提供的資訊、服務及產品並不是在所有地域均可享用。只有適用法律容許之人士，才可瀏覽本網站的資訊及／或接受其提供的服務及產品。瀏覽本網站之人士，須確保其知悉及遵守有關的適用限制，及自行負責查證其所在地域的法律是否容許其瀏覽本網站及／或使用有關服務。
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8.2 中銀人壽並不保證透過本網站傳送之資料會否出現延遲、故障、錯誤、遺漏或遺失及本網站之運作中斷、缺陷、運作或傳送資料之阻延、故障、錯誤、遺漏或遺失或系統失靈而招致任何人士損失或開支，中銀人壽概不負責。中銀人壽並不保證以下各項：
- (a) 會否透過本網站傳送病毒或其他感染性或破壞性病毒；或
- (b) 連接本網站之任何電腦系統會否出現損壞。本網站用戶須就保護其資料及／或設備並安排備件，以及採取彼等認為適用及必需之任何預防電腦病毒或其他感染性或破壞性病毒措施負上全責。
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8.3 本網站所載資料是在允許的範圍內儘量依據適用之法律，
- (a) 以「現狀」形式提供，且並不帶有任何明示或隱含的保證，中銀人壽及其集團內的任何公司及相關聯公司就所有明示或隱含保證作出免責聲明，而此等保證範圍包括但不限於隱含的可銷售性及特殊用途合適性保證。另中銀人壽可在毋須事前通知的情況下，隨時更改該等資料;
- (b) 中銀人壽及其集團內的任何公司及相關聯公司並不保證網站或所載資料的功能不會中斷或不含錯誤，也不保證不妥當之處必被更正，或本網站所設之伺服器不受病毒或其他有害成份影響 ; 及
- (c) 中銀人壽及其集團內的任何公司及相關聯公司不會就使用本網站內資料、或因使用此等資料之正確性、準確性、可靠性或其他方面所導致的後果作出保證或其他聲明。在此所載的資料及說明只可作一般性參考資料，並非完全旨在提供適用於各產品及服務的所有條款及不適用範圍。詳細資料請參閱實際保單或有關產品或服務之協議。
- 8.4 中銀人壽及其集團內的公司及相關聯公司均不會就本網站內容的準確性在任何情況下作出保證或聲明。中銀人壽及其集團內的任何公司及相關聯公司不會接受任何責任及不會承擔因您進入/使用電子保單服務而導致的任何直接或間接損失或損害（包括特別的、偶發的或相應性的損失或損害），包括但不限於，因任何原因由電子保單服務、其內容或相關服務的任何缺點、過失、不完整、過錯、錯誤或不準確，或由電子保單服務、其覆蓋的任何部分、其內容或相關服務的無效或因不能提供其內容或相關服務的任何部份所引起的任何損失、損害或費用。
- 8.5 使用超連結至其他網站或其他資料來源，當中風險概由瀏覽人士負責。中銀人壽對可與本網站連接的網站所提供資料、內容的準確性或適用性不承擔任何責任，亦不保障瀏覽人士對第三者所提供的資訊是受到保護的。
- 8.6 瀏覽人士使用本網站即表示同意本網站不時所載聲明。
- 8.7 本網站所包含的資料不應視為出售要約、訂購招攬或向瀏覽人士提出任何建議。瀏覽人士在作出任何投資、財務決策或購買任何產品前，應自行尋求專業顧問意見。
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9. 連結往其他網站
- 本網站可能會連結至不屬於中銀人壽及其集團內的任何公司及相關聯公司所運作的其他網站只作連結用途。中銀人壽及其集團內的任何公司及相關聯公司不會核實就此等網站的內容及負上責任。連結至此等網站並不代表中銀人壽及其集團內的任何公司及相關聯公司已批核或贊同此等網站或其內容。您知道及同意瀏覽這些網站時自己所承受的風險。
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10. 版權與商標
- 10.1 本網站所顯示的商標、標誌和服務標誌，由中銀人壽及其他相關人士擁有。未經中銀人壽或該等相關人士的書面批準，您一概不得使用。
- 10.2 中銀人壽擁有本網站內所有資料的版權。除非有獲中銀人壽書面批准者方可使用，否則嚴禁改編、複製、分發或提供本網站內任何部份的資料作商業或公開用途。
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11. 管治法律及司法管轄權
- 本條款及細則受香港特別行政區法律所管轄，並按其詮釋及您同意接受香港法院的非專屬性司法管轄權。
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12. 適用文本
- 本條款及細則之中文版本只作參考，如英文版本與中文版文本有任何歧異，一概以英文版本為準。
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Terms and Conditions for eService
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1. Definition
- 1.1 “BOC Life” means BOC Group Life Assurance Company Limited.
- 1.2 "Correspondence" means any advice, report, message, record, confirmation, receipt, acknowledgement, notice, statement or communication in respect of or in relation to one or more policy(ies) or of the products and services offered by BOC Life, as from time to time issued or provided by BOC Life in paper form.
- 1.3 "e-Correspondence" means such Designated Correspondence issued or provided by BOC Life to you in electronic form via eService.
- 1.4 "Designated Correspondence" means such type(s) of Correspondence as may be determined by BOC Life in its sole and absolute discretion from time to time which can be made available by BOC Life in electronic form via eService.
- 1.5 "e-Correspondence Service" means the services provided by BOC Life in delivering the e-Correspondence to you via eService.
- 1.6 "e-Policy Contract Service" means the services provided by BOC Life in delivering the Policy Contract Documents and Policy Pack to you in electronic form via eService.
- 1.7 “eService” means the services provided by BOC Life to you from time to time through this website and other ancillary services in connection therewith, if any.
- 1.8 "Policy Contract Documents" means the policy provisions, the application form, the policy specifications, and any schedules and/or endorsement(s) attached to the policy provisions as issued by BOC Life from time to time.
- 1.9 "Policy Pack" means the full set of policy documents, including but not limited to the Policy Contract Documents and benefit illustrations, issued by BOC Life to you upon the approval of your insurance application.
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2. Terms of use
- 2.1 The use of the eService shall at all times be governed by these Terms and Conditions, as may from time to time be amended, supplemented and/or modified by BOC Life.
- 2.2 By accessing and using the eService, you acknowledge that you have read and understood these Terms and Conditions and you agreed to be bound by the same and all the amendments, supplements and modifications thereto.
- 2.3 These Terms and Conditions are in addition and without prejudice to the other terms and conditions governing your insurance policy with BOC Life which shall continue to apply unless otherwise specified by BOC Life. In the event of inconsistency or conflict between these Terms and Conditions and such other terms and conditions, these Terms and Conditions shall prevail to the extent of such inconsistency or conflict so far as the eService is concerned.
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3. Access and use of the eService
- 3.1 To access the eService for the first time, you are required to register for the eService in the manner as specified by BOC Life from time to time. Upon successful registration, you are able to check all of your in-force policies through eService.
- 3.2 By registering to use the eService, you warrant that all particulars and information given by you to BOC Life for the purposes of or in connection with the eService are true, complete, accurate and up-to-date at all relevant times and undertake to promptly notify BOC Life of any changes thereto.
- 3.3 BOC Life may from time to time at its sole and absolute discretion determine, specify, add, delete, modify, reduce or vary the scope and features of the eService and/or cancel or suspend or terminate the eService (or any part thereof) without your consent at any time and with or without notice in such manner and by such means of communication as BOC Life shall deem fit and shall be binding on you if you continue to remain as a registered user of the eService or use the eService on or after the effective date thereof.
- 3.4 In the event of suspension or termination of the eService (howsoever occurred), BOC Life does not assume any liabilities or responsibilities for any suspension or termination of the eService under any circumstances. Notwithstanding that it is without prejudice and shall not affect the liabilities and rights which have accrued between you and BOC Life prior to the date of suspension or termination.
- 3.5 If your instruction has not been accepted by the eService for any reason (for example, after a cut-off time), please try again. eService will not reprocess your instruction automatically and may process one piece of information in your instruction without checking if it conflicts with other information.
- 3.6 BOC Life may accept or reject an instruction received by the eService that is not related to an available service on the relevant channel.
- 3.7 Transactions and messages shown on or printed out from your computer or other equipment are for your reference only.
- 3.8 BOC Life may download information including identification data to your computer or equipment.
- 3.9 You are regarded as having received a communication when it is dispatched by the eService or posted on this website.
- 3.10 Records will only be retained in the eService or this website for the period determined by BOC Life.
- 3.11 This website is hosted by BOC Life and is connected to the internet via an independent service provider, who is not an agent of BOC Life and for whom BOC Life is not responsible. BOC Life will use reasonable care in selecting the service provider. This website and the information on it may be changed by BOC Life at any time without notice.
- 3.12 BOC Life will only record your visit by recording your domain name server address and the pages you visited. No personal information is collected unless otherwise specified. Only the numbers and types of browser will be shown in BOC Life’s statistics of the use of this website.
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4. e-Policy Contract Service & e-Correspondence Service
- 4.1 Upon your successful enrollment for e-Policy Contract Service, the printed version of your Policy Pack and/or Policy Contract Documents will cease to be generated or sent to your last registered mailing address. Should you want to request for the printed version of the Policy Pack and/or Policy Contract Documents, you have to notify BOC Life through BOC Life Customer Service Hotline at (852) 2860 0688 or your insurance consultant.
- 4.2 Without prejudice to the generality of paragraph 3.9 above, you agree that the availability of the electronic form of the Policy Pack and/or Policy Contract Documents online at the time they are deposited into your eService account for your access through eService shall be deemed the delivery of such documents by BOC Life to you. For new insurance policy issued, you shall receive a SMS to the mobile number last provided by you informing you when the Policy Pack and/or Policy Contract Documents are available for viewing online. You shall also be informed via the said SMS that you have the right to reconsider your decision to purchase the policy until a specified date stated therein. You agree to download and review the Policy Pack and Policy Contract Documents as soon as possible. You agree to contact BOC Life Customer Service Hotline at (852) 2860 0688 or your insurance consultant to enquire if there is a failure in the delivery of such SMS.
- 4.3 Upon your successful enrollment for e-Correspondence Service, the printed version of all your future Designated Correspondence(s) will cease to be generated or sent to your last registered mailing address.
- 4.4 Without prejudice to the generality of paragraph 3.9 above, you agree that the availability of the electronic form of the Designated Correspondence(s) online at the time they are deposited into your eService account for your access through eService shall be deemed the delivery of such Designated Correspondence(s) by BOC Life to you. You shall receive a SMS to the mobile number last provided by you informing you when your e-Correspondence(s) are available for viewing online. You agree to view online the e-Correspondence(s) in a timely and prompt manner. You agree to contact BOC Life Customer Service Hotline at (852) 2860 0688 or your insurance consultant to enquire if there is a failure in the delivery of such SMS.
- 4.5 All e-Correspondence provided via eService will only be made available for viewing online for 48 months after the issue date of the concerned e-Correspondence, or for such other designated period of time as may be determined by BOC Life from time to time at its sole and absolute discretion, irrespective of whether or not they have been actually reviewed and/or saved by you. After the expiry of such designated period, the concerned e-Correspondence will be removed from e-Service permanently.
- 4.6 Should you want to cancel your enrollment for e-Correspondence Service, you have to make a request to BOC Life through BOC Life Customer Service Hotline at (852) 2860 0688 or your insurance consultant, or directly through eService. Upon approval of your request, BOC Life shall automatically generate the printed version of all your future Designated Correspondence(s) and send such Designated Correspondence(s) to your last registered mailing address.
- 4.7 BOC Life will not be responsible in the case the SMS alert is not received by you due to your mobile phone number having been changed or being invalid or due to systems failure, interruptions in the communications systems or other reasons outside the control of BOC Life.
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5. User ID and Internet Security
- 5.1 The eService is for your sole and exclusive use. You must keep your User ID and Password strictly confidential and use with all reasonable care at all times. You shall bear the risk no matter whether your password is mailed to you or set by you. You shall not in any circumstances disclose the User ID and Password to any other person to use the eService. BOC Life shall not be responsible or liable for any harm or loss you may suffer as a result of an unauthorized use of your User ID and Password.
- 5.2 Any instruction given by the use of your password is valid and binding on you.
- 5.3 You will be liable for all losses if you have acted fraudulently or with gross negligence, or allowed any third party to use your password or failed to comply with your obligation under Condition 5.1.
- 5.4 You agree that you are solely responsible for ensuring that your equipment or device (including software programs contained thereon) are capable of and in good functioning order for accessing the eService and for maintaining security of your equipment or device.
- 5.5 By accessing and using the eService, you acknowledge and accept that the inherent risks in the use of and transmission of information via the internet, and you also agree to take all reasonably practicable measures to ensure and maintain the security of your equipment and device for accessing the eService.
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6. Transactions over the Internet
- Transactions conducted through the internet maybe subject to interruption, blackout, delay or error. BOC Life shall not be responsible for any loss of accuracy or timeliness of any messages sent or transactions conducted through this website arising from or in relation to any malfunctions in communication facilities that are out of the control of BOC Life.
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7. Online Instructions
- 7.1 BOC Life shall not be liable to you for any failure to carry out online instructions which are attributable, wholly or in part, to any cause beyond BOC Life’s control including but not limited to any equipment malfunction or failure and under no circumstances shall BOC Life be responsible to you for any direct, indirect or consequential losses arising from or in connection with the carrying out or otherwise of your online instructions.
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7.2 Upon your utilization of the password to access the eService, BOC Life is authorised to act on your instructions and you agree that:
- (a) BOC Life is authorised to act on any online instructions which BOC Life in its sole discretion believes emanate from you by the use of the eService Password, all online instructions will be valid and binding on you and BOC Life shall not be liable for acting in good faith from the online instructions which emanate from unauthorised person(s) and BOC Life shall not be under any duty to verify the identity of the person or persons giving online instructions purportedly in your name;
- (b) you shall keep BOC Life indemnified at all times against, and to keep BOC Life from, all action, proceedings, claims, losses, damages, costs and expenses which may be brought against BOC Life or suffered or incurred by BOC Life and which may have arisen either directly or indirectly from or in connection with BOC Life accepting online instructions and acting or failing to act thereon unless due to the willful default of BOC Life. Such indemnity shall continue notwithstanding the disconnection of the eService by you or BOC Life and any of its group companies and affiliated companies;
- (c) your right to give online instructions pursuant to the Terms and Conditions herein shall at all times be subject to the discretion of BOC Life and any of its group companies and affiliated companies, and BOC Life and any of its group companies and affiliated companies may at any time revoke such right and/or terminate the eService without prior notice; and
- (d) you shall be bound by the terms and conditions of the insurance policy which you have taken out with BOC Life. In the case of conflict between the terms and conditions of the insurance policy and these Terms and Conditions, the former one shall prevail.
- 7.3 You will ensure that your instructions are complete and correct. An instruction once accepted cannot be altered or cancelled, without BOC Life’s agreement. If an instruction cannot be carried out, you will still be responsible for the charges and reasonable expenses that may be incurred.
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8. Disclaimer
- 8.1 Products and services described herein are not available to all persons in all geographic locations. Only persons who are permitted by applicable law may browse the information and/or accept the products and services offered on this website. Persons accessing these pages are required to ensure that they are aware of and observe all relevant restrictions that apply to them and are responsible for satisfying themselves that they may do so under the laws or the jurisdiction from which access is obtained to this site.
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8.2 BOC Life does not warrant the absence of delays, failures, errors, omissions or loss in respect of any information transmitted through this website and disclaims its liability for any error in connection, interruption, delay in operation or incomplete transmission, line or system failure. BOC Life does not guarantee any of the following:
- (a) no viruses or other contaminating or destructive properties will be transmitted through this website; or
- (b) no damage will occur to any computer system connecting to this website. Users of this website shall have sole responsibility in protecting and backing up their data and/or equipment; and in taking any precautionary measures against computer viruses or other contaminating or destructive properties as they think appropriate and necessary.
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8.3 To the fullest extent permissible pursuant to applicable law,
- (a) the materials on this website are provided "as is" basis and without warranties of any kind either expressed or implied and BOC Life and any of its group companies and affiliated companies disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose and may be changed at any time without prior notice;
- (b) BOC Life and any of its group companies and affiliated companies do not warrant that this website or the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components; and
- (c) BOC Life and any of its group companies and affiliated companies do not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. For complete details please refer to the actual policy or the relevant product or services agreement.
- 8.4 BOC Life and any of its group companies and affiliated companies make no warranties or representations as to the accuracy of the content of the eService. BOC Life and any of its group companies and affiliated companies 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 eService, 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 eService, its contents or associated services, or due to any unavailability of the eService or any part thereof or any contents or associated services.
- 8.5 Use of hyperlinks to other internet sites or resources are at the browser's own risks. BOC Life expressly disclaims any responsibility for the accuracy or availability of the information provided by those sites or for the safety of information which the browser may provide to any third party.
- 8.6 By using this website, the browser agrees to be bound by the content of this notice as it may be amended by BOC Life from time to time and posted on this website.
- 8.7 No information contained in this website should be regarded as an offer to sell, to subscribe to, or provide any recommendation to any browser. Browsers should consult their own professional adviser before making any investment, financial decision or purchasing any product.
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9. Linked Websites
- This website may be linked to other websites which are not maintained by BOC Life and any of its group companies and affiliated companies are provided for your connection only. BOC Life and any of its group companies and affiliated companies are not responsible for the content of those websites and have not verified them. The inclusion of any link to such websites does not imply approval of or endorsement by BOC Life and any of its group companies and affiliated companies of the websites or the content thereof. You acknowledge and agree that you access such websites at your own risk.
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10. Copyright and Trademarks
- 10.1 BOC Life and other parties own the trademarks, logos and service marks displayed on this website. These may not be used without the written permission of BOC Life or the party owning these.
- 10.2 All materials on this website are protected by copyright. No part of the materials may be modified, reproduced, transmitted and distributed in any format for commercial or public use without prior written consent by BOC Life.
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11. Governing Law and Jurisdiction
- These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”) and you agree to submit to the non-exclusive jurisdiction of the courts of Hong Kong.
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12. Governing Version
- The Chinese version of these Terms and Conditions is for reference only. In case of any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.
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系統提升時間表
本公司將於以下時間進行系統提升，期間受影響的服務將會暫停運作。
*本公司可按實際需要調整系統提升時間，而不會另行通知。
*日期及時間均以香港時間為準。
| 日期* | 時間* | 受影響的服務 |
|---|---|---|
| 逢星期日 | 02:30-14:00 | 中銀人壽電子服務平台 |
關閉
System Upgrade Schedule
Our system upgrade has been scheduled as follows. The affected services will not be available during this period.
*The system upgrade schedule could be adjusted without prior notice.
*Date and period are in Hong Kong Time.
| Date* | Period* | Services Affected |
|---|---|---|
| Every Sunday | 02:30-14:00 | BOC Life's eService Platform |
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e站通服務條款及細則
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1. 定義
- 「e站通服務」指中銀集團人壽保險有限公司（「中銀人壽」）不時透過位於的e站通平台（「本網站」）向您提供的服務以及與該等服務相關的其他附帶服務（如有）。
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2. 資格
- 2.1 e站通服務僅供至少持有一份中銀人壽有效保單的現有保單權益人使用（個別人士及法團實體兩者都可以使用）。一旦您所持有的最後一份中銀人壽保單終止，e站通服務將自動終止。
- 2.2 e站通服務需要註冊及往後的年度續期。中銀人壽會通過電子郵件與您聯絡，以取得您的續期指示。如果未取得續期指示，您的e站通服務註冊將在註冊日期的一年後自動到期。
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3. 使用條款
- 3.1 在所有時間使用e站通服務需受本條款及細則約束，而本條款及細則可能不時經中銀人壽修訂、補充及/或修改。
- 3.2 當您進入及使用e站通服務，即表示確認您已閱讀及理解本條款及細則，並同意受其及對其所有修訂、補充和修改的約束。
- 3.3 本條款及細則是對適用於您所持有的中銀人壽保單的其他條款及細則的增補，且不損害該等其他條款及細則。除非中銀人壽另行指定，該等其他條款及細則亦繼續適用。本條款及細則與該等其他條款及細則如有不符或衝突，在該等不符或衝突涉及e站通服務的範圍內，一概以本條款及細則爲準。
- 3.4 作爲e站通服務的一名註冊用戶，您授權中銀人壽查閱您上傳到本網站的所有資料和文件，包括您在香港其他指定保險公司的保單（「非中銀人壽保單」）。針對e站通服務，您確認，中銀人壽並未也不會向您提供關於非中銀人壽保單的任何建議、審核、推薦及/或服務。
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4. 進入和使用e站通服務
- 4.1 要使用e站通服務，您必需在本網站上註冊，而且您必需持有中銀人壽有效保單。為免生疑問，e站通服務是提供給個別人士或法團實體，兩者都可以使用。如果中銀人壽發現您違反了（可能會被中銀人壽不時修訂、補充及/或修改的）本條款及細則，中銀人壽經其獨有及絕對的酌情決定，可以隨時撤銷您的註冊要求。就與您上傳到本網站的非中銀人壽保單有關的文件和所有資料而言，在所有時間您將自行負責保存該等文件的原版及/或打印版及保管該等資料。如有懷疑您的資料被不當使用，您同意立即通知我們。
- 4.2 當您註冊使用e站通服務，即表示您保證，您爲e站通服務之目的或與之相關而提供給中銀人壽的所有詳情和資料，在一切相關時點均爲真實、完整、準確並且是最新的，而且您承諾爲發生任何改變而不時更新該等資料。
- 4.3 中銀人壽經其獨有及絕對的酌情決定可隨時以其認爲適當的任何形式和通訊方式確定、指明、增加、删除、修改、縮小或更改e站通服務的範圍和特徵， 以及/或者取消或暫停或終止e站通服務（或其任何一部份），而無需取得您的同意，亦無論是否向您發送通知，並且，如果在上述確定、指明、增加、删除、修改、縮小、更改、取消、暫停或終止的生效日期當日或之後，您仍然是e站通服務的註冊用戶或繼續使用e站通服務，則該等確定、指明、增加、删除、修改、縮小、更改、取消、暫停或終止將對您具有約束力。
- 4.4 如果e站通服務被暫停或終止（無論如何發生），在任何情况下中銀人壽就e站通服務的任何暫停或終止均不承擔任何責任，儘管其並不損害及將不會影響在暫停或終止日期之前已經在您與中銀人壽之間産生的責任和權利。
- 4.5 您的電腦或其他設備上顯示的或打印出的訊息僅供您參考。
- 4.6 中銀人壽可能會將資料（包括身份資料）下載到您的電腦或設備。
- 4.7 在本網站上的記錄保存時間將只為中銀人壽所確定的期限。
- 4.8 本網站由中銀人壽托管，並通過獨立服務提供商與互聯網連接，該獨立服務提供商不是中銀人壽的代理，中銀人壽也不對其行爲負責。中銀人壽在挑選該等服務提供商時將採取合理程度的謹慎。中銀人壽可隨時不經通知就對本網站以及本網站上的信息進行更改。
- 4.9 中銀人壽在對您的瀏覽進行記錄時，只會記錄您的域名伺服器地址和您瀏覽過的網頁，除非另行說明，這一流程不會涉及個人資料的收集。在中銀人壽關於本網站使用的統計資料中，只會顯示瀏覽的次數和類型。
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5. 使用通知服務的條件
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如果滿足以下條件， e站通服務指中銀人壽在經您同意後會向您已上傳到本網站的非中銀人壽保單所對應的在香港其他指定保險公司發送通知：
- (a) 您之前曾對您已有的中銀人壽有效保單向中銀人壽提出過索償 （不包括死亡賠償，此賠償不在e站通服務的範圍內）；
- (b) 在所有關鍵時刻，您的e站通服務註冊尚未到期或終止；及
- (c) 基於您已上傳到本網站的信息，在中銀人壽獨有意見下，認爲您向中銀人壽提出的索償類型與香港的非中銀人壽保單項下的可索償的類型相似。
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如果滿足以下條件， e站通服務指中銀人壽在經您同意後會向您已上傳到本網站的非中銀人壽保單所對應的在香港其他指定保險公司發送通知：
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6. 流程
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e站通服務的流程如下
- (a) 如果中銀人壽全權認定，索償類型與非中銀人壽保單項下可索償的類型相似，則中銀人壽會通過電子郵件徵求您的同意以向相關保險公司發送索償通知，而您亦將需要就每一項索償在指定的時限內作出指示，否則，中銀人壽並不會向該等保險公司發送通知；
- (b) 若取得了您的同意，且上文第5條中的條件已經滿足，中銀人壽將利用相關信息（包括受保人姓名和保單編號）向相關保險公司發送關於提交潛在索償的通知；及
- (c) 其後，相關保險公司可能會就您的情况與您聯絡。至於通訊及服務（如有）的形式和時間，將由個別保險公司酌情決定。
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e站通服務的流程如下
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7. 權利和責任
- 7.1 您理解並確認，中銀人壽只負責就潛在索償的提交向相關保險公司發送初始的非正式通知，您將負責按照相關非中銀人壽保單的條款及細則及/或個別保險公司訂明的行政流程向個別保險公司提出正式的索償並辦理全部的索償流程，否則，您可能會失去相關非中銀人壽保單項下所提供的保障（如有）。中銀人壽向其他保險公司給予的通知，不得被視爲正式的索償提交，並且，對於您未能及/或延遲提交正式的索償以及由此造成的任何後果，中銀人壽概不負責。
- 7.2 一旦註冊爲e站通服務的用戶，您即有權上傳/删除香港的非中銀人壽保單的承保表、更新您在本網站上的記錄以及退出e站通服務。未經您的同意，中銀人壽不會向其他保險公司發出任何索償通知。
- 7.3 中銀人壽全權酌情認為，上傳到本網站的任何資料或文件與e站通服務無關聯、不完整、不能閱讀或另有不適合，中銀人壽有權不事先通知您就删除該等資料或文件。
- 7.4 您理解並確認，中銀人壽識別相似索償及/或向其他保險公司發送通知，均不表示亦不得在任何方面被解釋爲就向中銀人壽提出的索償承認責任。向中銀人壽提出的索償將始終根據相關保單的條款及細則以及中銀人壽訂明的行政規則予以處理。
- 7.5 您理解並確認，您一旦同意中銀人壽就潛在索償的提交而向其他保險公司發送通知，您在相關保險公司的記錄（包括但不限於您的健康記錄和索償記錄）可能會因為e站通服務而受到不利影響。因此，您將來的可保性或索償情況也可能會受到不利影響。另外，中銀人壽將無法控制相關保險公司可能會如何使用該等資料。在適用法律允許的最大範圍內，中銀人壽對由此造成的任何後果概不負責。
- 7.6 在適用法律允許的最大範圍內，對於因以下因素而造成的任何後果，中銀人壽概不負責：未能或延遲識別類似的可索償類型，將無關的索償通知相關保險公司，或因任何原因未能向相關保險公司發送初始的非正式通知。
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8. 用戶ID和互聯網安全
- 8.1 e站通服務僅供您自己使用。您必須對您的用戶ID和密碼嚴格保密，在使用時必須始終採用一切合理的謹慎。您將自行承擔您的密碼被未經授權使用的風險，無論您的密碼是郵寄給您的還是由您自己設置的。 在任何情况下，您均不得將您的用戶ID和密碼披露給任何其他人使用e站通服務。因為您的用戶ID和密碼被未經授權使用而導致您蒙受的任何損害或損失，中銀人壽概不負責。
- 8.2 通過使用您的密碼發出的任何指示是有效的並對您具有約束力。
- 8.3 如果您有欺詐或嚴重疏忽行爲，或您允許任何第三方使用您的密碼，或您未能遵守您在上文第8.1條項下的義務，您將對由此造成的一切損失負責。
- 8.4 您同意自行負責確保您的設備或裝備（包括其中包含的軟件程序）具備相應的能力且處於良好運行狀態以進入e站通服務並可以維護您的設備或裝備的安全性。
- 8.5 當您進入並使用e站通服務，即表示您認可並接受使用互聯網以及通過互聯網傳輸信息的固有風險，您亦同意將採取一切合理可行的措施以確保並維護您用於進入e站通服務的設備和裝備的安全性。
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9. 通過互聯網提交的訊息/信息
- 通過互聯網提交的信息及/或訊息可能會被干擾、阻止、延遲或有出錯。如果因中銀人壽無法控制的通訊設施的任何故障或與該等故障相關而導致通過本網站發送的任何訊息或提交的任何信息的準確性或及時性受損，中銀人壽概不負責。
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10. 修訂和終止
- 中銀人壽經其獨有及絕對的酌情決定可以隨時修訂、補充、修改或終止本條款及細則，而且可在不經通知的情况下立即對本條款及細則予以修訂、補充、修改或終止。本條款及細則中據其性質理應在本條款及細則終止後仍然存在的條文（包括但不限於本條款及細則第12條項下的免責聲明），將在本條款及細則終止後仍然存在。
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11. 在綫指示
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您一旦使用您的密碼進入e站通服務或使用您登記的電郵地址，中銀人壽即獲得授權根據接收到的指示行事，並且您同意：
- (a) 中銀人壽獲得授權基於您使用e站通服務密碼或您登記的電郵地址而根據其全權酌情決定認爲是由您發出的任何在綫指示行事。所有在綫指示都將有效並將對您具有約束力，並且，如果中銀人壽本著真誠根據在綫指示行事，即使是由任何未經授權的人士發出的，中銀人壽不會對此承擔任何責任。 如果您登記的電郵地址或您的e站通服務密碼被使用，並有人士聲稱以您的名義發出了在綫指示，中銀人壽沒有任何義務對該等人士的身份進行核實；
- (b) 對於因中銀人壽接受在綫指示以及基於該等指示採取的任何行爲或不作爲而直接或間接導致他人針對中銀人壽提起的或導致中銀人壽蒙受或承擔的所有訴訟、程序、索賠、損失、賠償、訟費和支出（但由於中銀人壽的故意失責所導致的除外），您將始終對中銀人壽作出彌償，並使其避免遭受上述情況。即使e站通服務到期或終止，此彌償也將繼續有效；及
- (c) 您是否有權根據本條款及細則使用e站通服務（包括是否有權將文件上傳到本網站），將始終經中銀人壽的酌情決定，並且，中銀人壽可隨時不經事先通知就撤銷該等權利及/或終止e站通服務。
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您一旦使用您的密碼進入e站通服務或使用您登記的電郵地址，中銀人壽即獲得授權根據接收到的指示行事，並且您同意：
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12. 免責聲明
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12.1 中銀人壽並不保證通過本網站傳輸任何信息時不會出現延遲、故障、錯誤、遺漏或丟失，並且，中銀人壽聲明，對於任何連接錯誤、中斷、操作延誤或不完整的傳輸、綫路或系統故障，中銀人壽概不負責。中銀人壽並不就以下任何一項作出保證：
- (a) 不會有任何病毒或其他傳染或破壞性成份通過本網站傳輸；或
- (b) 本網站連接的任何電腦系統不會發生任何損害。在使用本網站時，您將自行負責保護您的數據及/或設備並進行備份；並且，您應自行負責針對電腦病毒或其他傳染或破壞性成份採取您認爲合適、必要的任何預防措施。
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12.2 在適用法律允許的最大範圍內：
- (a) 本網站上的資料「按現狀」提供，無任何類型的保證（無論明示還是默示），並且，中銀人壽以及其任何集團內公司和關聯公司均未作出任何明示或默示的保證（包括但不限於關於可銷性及對某特定用途的適用性的默示保證），並且該等資料可隨時修改而無需事先通知；
- (b) 中銀人壽以及其任何集團內公司和關聯公司均未作出以下保證：本網站（包括本網站上的資料及本網站的功能）不會中斷、沒有錯誤、其中的缺陷會被糾正，或本網站或服務於本網站的伺服器沒有任何病毒或其他有害成份；及
- (c) 中銀人壽以及其任何集團內公司和關聯公司均未就本網站的使用或使用本網站上資料的後果作出關於其正確性、準確性、可靠性或其他方面的任何保證或聲明。本條款及細則 中包含的信息和描述，其意圖並非一定是要對適用於相關産品和服務的所有條款、除外情況及細則作出完整的描述，而只是作爲一般性的參考。完整詳情請參閱實際的保單或相關的産品或服務協議。
- 12.3 中銀人壽以及其任何集團內公司和關聯公司均未就本網站及/或e站通服務的功能及/或內容的準確性以及/或者就相關的結果作出任何保證或聲明。對於因您使用/進入本網站及/或e站通服務而直接或間接引起的任何損失或損害（無論如何産生，包括特殊的、實際或待確定的、附帶的或後果性的損失或損害），包括因e站通服務、其內容或相關服務的任何缺陷、出錯、不完善、過錯、錯誤或不準確或與之相關（但不僅限於此）而引起的任何損失、損害或支出或由於e站通服務或其任何部份或任何內容或相關服務的不可用或延誤而引起的任何損失、損害或支出， 中銀人壽以及其任何集團內公司和關聯公司概不接受任何責任，亦不負責。
- 12.4 如您使用連至其他互聯網網站或資源的超鏈接，相關的風險由您自行承擔。中銀人壽明確聲明，對於這些網站所提供信息的準確性或可用性以及您提供給任何第三方的信息的安全性，中銀人壽概不負責。
- 12.5 本網站中包含的任何信息，均不得被視爲向任何用戶發出的關於向其出售、邀請其訂購或向其提供建議的要約。在作出任何投資、財務決策或購買任何産品之前，您應當先諮詢您自己的專業顧問。
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12.1 中銀人壽並不保證通過本網站傳輸任何信息時不會出現延遲、故障、錯誤、遺漏或丟失，並且，中銀人壽聲明，對於任何連接錯誤、中斷、操作延誤或不完整的傳輸、綫路或系統故障，中銀人壽概不負責。中銀人壽並不就以下任何一項作出保證：
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13. 鏈接的網站
- 可通過本網站鏈接至並非由中銀人壽以及其任何集團內公司和關聯公司維持的其他網站，這些鏈接只是爲您提供了連接。中銀人壽以及其任何集團內公司和關聯公司對這些網站的內容概不負責，也未曾對其進行過核實。加入這些網站的鏈接，並不表示這些網站或其內容是中銀人壽以及其任何集團內公司和關聯公司批准或推薦的。您確認並同意，您進入這些網站的相關風險由您自行承擔。
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14. 著作權和商標
- 14.1 中銀人壽及其他方擁有本網站上展示的商標、標識和服務標誌。未經中銀人壽或相關所有人的書面允許，不得使用這些商標、標識和服務標誌。
- 14.2 本網站上的所有資料均受到著作權保護。未經中銀人壽事先書面同意，不得以任何形式爲商業或公共用途修改、複製、傳輸和分發這些資料的任何部份。
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15. 管轄法律和司法管轄權
- 本條款及細則受到香港特別行政區（「香港」）法律的管轄並據其解釋，並且，您同意接受香港法院的非專屬管轄。
關閉
Terms and Conditions for ecConnect Services
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1. Definition
- “ecConnect services” means the services provided by BOC Group Life Assurance Company Limited (“BOC Life”) to you from time to time through the ecConnect platform at ("Website") and other ancillary services in connection therewith, if any.
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2. Eligibility
- 2.1 The ecConnect services are only available to existing policy owners of BOC Life (both individuals and corporate entities) who have at least one in-force policy with BOC Life. The ecConnect services will be automatically terminated upon termination of your last policy with BOC Life.
- 2.2 The ecConnect services require registration and subsequent annual renewal. BOC Life will contact you via email correspondence to obtain your renewal instructions. If your renewal instructions are not obtained, your registration for the ecConnect services will automatically expire one year after the date of registration.
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3. Terms of use
- 3.1 The use of the ecConnect services shall at all times be governed by these Terms and Conditions, as may from time to time be amended, supplemented and/or modified by BOC Life.
- 3.2 By accessing and using the ecConnect services, you acknowledge that you have read and understood these Terms and Conditions and you agreed to be bound by the same and all the amendments, supplements and modifications thereto.
- 3.3 These Terms and Conditions are in addition and without prejudice to the other terms and conditions governing your insurance policy(ies) with BOC Life, which shall continue to apply unless otherwise specified by BOC Life. In the event of inconsistency or conflict between these Terms and Conditions and such other terms and conditions, these Terms and Conditions shall prevail to the extent of such inconsistency or conflict so far as the ecConnect services are concerned.
- 3.4 As a registered user of the ecConnect services, you authorise BOC Life to access all information and documents that you upload onto the Website, including insurance policy(ies) with other insurance company(ies) in Hong Kong ("non-BOC Life Insurance Policies"). In relation to the ecConnect services, you acknowledge that BOC Life does not and will not provide you with any advice, review, recommendation and/or services in relation to non-BOC Life Insurance Policies.
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4. Access and use of the ecConnect services
- 4.1 To use the ecConnect services, you are required to register on the Website, and you must hold a valid insurance policy with BOC Life. For the avoidance of doubt, ecConnect services are available to both individuals and corporate entities. BOC Life may, in its sole and absolute discretion, at any time, revoke your registration request in the event it finds you have violated these Terms and Conditions as may from time to time be amended, supplemented and/or modified by BOC Life. You are responsible, at all times, for maintaining the originals and/or hard copies of your own document(s) and the safekeeping of all information in relation to the non-BOC Life Insurance Policies that you have uploaded onto the Website. You agree to provide us with immediate notice in the event you suspect that there has been misuse of your data.
- 4.2 By registering to use the ecConnect services, you warrant that all particulars and information given by you to BOC Life for the purposes of or in connection with the ecConnect services are true, complete, accurate and up-to-date at all relevant times and you undertake to update the said information from time to time should any change occur.
- 4.3 BOC Life may, in its sole and absolute discretion, determine, specify, add, delete, modify, reduce or vary the scope and features of the ecConnect services and/or cancel or suspend or terminate the ecConnect services (or any part thereof) without your consent at any time and with or without notice in such manner and by such means of communication as BOC Life shall deem fit and shall be binding on you if you continue to remain as a registered user of the ecConnect services or use the ecConnect services on or after the effective date thereof.
- 4.4 In the event of suspension or termination of the ecConnect services (howsoever occurred), BOC Life does not assume any liabilities or responsibilities for any suspension or termination of the ecConnect services under any circumstances. Notwithstanding that it is without prejudice and shall not affect the liabilities and rights which have accrued between you and BOC Life prior to the date of suspension or termination.
- 4.5 Messages shown on or printed out from your computer or other equipment are for your reference only.
- 4.6 BOC Life may download information including identification data to your computer or equipment.
- 4.7 Records will only be retained on the Website for the period determined by BOC Life.
- 4.8 The Website is hosted by BOC Life and is connected to the internet via an independent service provider, who is not an agent of BOC Life and for whom BOC Life is not responsible. BOC Life will use reasonable care in selecting the service provider. The Website and the information on it may be changed by BOC Life at any time without notice.
- 4.9 BOC Life will only record your visit by recording your domain name server address and the pages you visited, and this process will not involve collection of personal information unless otherwise specified. Only the numbers and types of browser will be shown in BOC Life’s statistics of the use of the Website.
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5. Criteria for use of notification service
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The ecConnect services entail, with your consent, BOC Life sending notifications to other designated insurance company(ies) in Hong Kong corresponding to the non-BOC Life Insurance Policies you have uploaded onto the Website, if the following criteria is satisfied:
- (a) you have previously submitted a claim with BOC Life in relation to your existing in-force policy with BOC Life (excluding death claims which is not within the scope of the ecConnect services);
- (b) at all material times, your ecConnect services registration has not expired or terminated; and
- (c) in the sole opinion of BOC Life, the type of claim with BOC Life is similar to the claimable type under the non-BOC Life Insurance Policies in Hong Kong based on the information you have uploaded onto the Website.
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The ecConnect services entail, with your consent, BOC Life sending notifications to other designated insurance company(ies) in Hong Kong corresponding to the non-BOC Life Insurance Policies you have uploaded onto the Website, if the following criteria is satisfied:
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6. Procedure
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The procedure for the ecConnect services is as follows:
- (a) if BOC Life determines that the type of claim is similar to the claimable type under the non-BOC Life Insurance Policies, BOC Life will seek your consent via email correspondence to send a claims notification to relevant insurance company(ies) and your instructions will be required within a specified time period, failing which no notification will be sent to the insurance company(ies);
- (b) if your consent is obtained, BOC Life will use information including the insured name and policy number to notify the relevant insurance company(ies) about potential claims submission if the criteria in paragraph 5 above is satisfied; and
- (c) you may thereafter be contacted by the relevant insurance company(ies) on your case. It will be at the discretion of the individual insurance company(ies) on the form and timing of communication and service (if any).
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The procedure for the ecConnect services is as follows:
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7. Rights and Responsibilities
- 7.1 You understand and acknowledge that BOC Life is only responsible for making an initial informal notification to the relevant insurance company(ies) in relation to potential claims submission, and you are responsible for making a formal claim and conducting the entire claims procedures with the individual insurance company(ies) in accordance with the terms and conditions of the relevant insurance policy(ies) and/or the prescribed administrative procedures with the individual insurance company(ies), failing which you may lose the protection provided (if any) under the relevant insurance policy(ies). The notification made by BOC Life to other insurance company(ies) shall not be regarded as a formal claim submission, and BOC Life shall not be responsible for your failure and/or delay to submit a formal claim and any consequences arising therefrom.
- 7.2 Once registered as a user of the ecConnect services, you have the right to upload/remove the policy specification(s) of non-BOC Life Insurance Policies in Hong Kong, update your records on the Website, and unsubscribe from the ecConnect services. BOC Life will not make any notification of claims to other insurance company(ies) without your consent.
- 7.3 BOC Life has the right to delete any uploaded information or document on the Website which it deems in its sole discretion to be irrelevant to the ecConnect services, incomplete, illegible, or otherwise unfit, without prior notice to you.
- 7.4 You understand and acknowledge that a similar claim being identified by BOC Life and/or the sending of notification to other insurance company(ies) shall not represent or in any way be construed as an admission of liability in relation to the claim(s) filed with BOC Life. The claim(s) filed with BOC Life shall always be processed subject to the terms and conditions of the relevant insurance policy(ies) and administrative rules prescribed by BOC Life.
- 7.5 You understand and acknowledge that by consenting to BOC Life sending a notification to other insurance company(ies) in relation to potential claims submission, your records with the relevant insurance company(ies), including but not limited to your health record and claims record, may be adversely affected as a result of the ecConnect service. As a result, your insurability or claims positions in the future may also be adversely affected. Further, BOC Life shall not have any control as to how the information may be used by the relevant insurance company(ies). To the maximum extent permitted by applicable law, BOC Life shall not be responsible for any consequences therefrom.
- 7.6 To the maximum extent permitted by applicable law, BOC Life shall not be responsible for any consequences resulting from any omission or delay in identifying similar claimable type, notifying an irrelevant claim to the relevant insurance company(ies), or failing to communicate the initial informal notification to the relevant insurance company(ies).
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8. User ID and Internet Security
- 8.1 The ecConnect services are for your sole and exclusive use. You must keep your user ID and password strictly confidential and use with all reasonable care at all times. You shall bear the risk of any unauthorised use of your password, no matter whether your password was mailed to you or set by you. You shall not in any circumstances disclose your user ID and password to any other person to use the ecConnect services. BOC Life shall not be responsible or liable for any harm or loss you may suffer as a result of an unauthorized use of your user ID and password.
- 8.2 Any instruction given by the use of your password is valid and binding on you.
- 8.3 You will be liable for all losses if you have acted fraudulently or with gross negligence, or allowed any third party to use your password or failed to comply with your obligation under paragraph 8.1 above.
- 8.4 You agree that you are solely responsible for ensuring that your equipment or device (including software programs contained thereon) are capable of and in good functioning order for accessing the ecConnect services and for maintaining security of your equipment or device.
- 8.5 By accessing and using the ecConnect services, you acknowledge and accept that the inherent risks in the use of and transmission of information via the internet, and you also agree to take all reasonably practicable measures to ensure and maintain the security of your equipment and device for accessing the ecConnect services.
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9. Messages / Information submitted through the Internet
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Information and/or messages submitted through the Internet maybe subject to interruption, blackout, delay or error. BOC Life shall not be responsible for any loss of accuracy or timeliness of any messages sent or information submitted through the Website arising from or in relation to any malfunctions in communication facilities that are out of the control of BOC Life.
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Information and/or messages submitted through the Internet maybe subject to interruption, blackout, delay or error. BOC Life shall not be responsible for any loss of accuracy or timeliness of any messages sent or information submitted through the Website arising from or in relation to any malfunctions in communication facilities that are out of the control of BOC Life.
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10. Amendment and termination
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BOC Life may, in its sole and absolute discretion, amend, supplement, modify or terminate these Terms and Conditions at any time and may do so immediately without notice. Any provisions of these Terms and Conditions that by its nature is reasonably intended to survive beyond such termination (including but not limited to the Disclaimer under paragraph 12 herein) shall survive.
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BOC Life may, in its sole and absolute discretion, amend, supplement, modify or terminate these Terms and Conditions at any time and may do so immediately without notice. Any provisions of these Terms and Conditions that by its nature is reasonably intended to survive beyond such termination (including but not limited to the Disclaimer under paragraph 12 herein) shall survive.
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11. Online Instructions
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Upon use of your password to access the ecConnect services or your email address on record, BOC Life is authorised to act on the received instructions and you agree that :
- (a) BOC Life is authorised to act on any online instructions which BOC Life in its sole discretion believes emanate from you, based on use of your password for the ecConnect services or use of your email address on record. All online instructions will be valid and binding on you and BOC Life shall not be liable for acting in good faith on online instructions which emanate from any unauthorised person(s). BOC Life shall not be under any duty to verify the identity of the person(s) giving online instructions purportedly in your name, where your email address on record or your password for the ecConnect services are used;
- (b) you shall keep BOC Life indemnified at all times against, and to keep BOC Life from, all action, proceedings, claims, losses, damages, costs and expenses which may be brought against BOC Life or suffered or incurred by BOC Life and which may have arisen either directly or indirectly from or in connection with BOC Life accepting online instructions and acting or failing to act thereon unless due to the wilful default of BOC Life. Such indemnity shall continue notwithstanding the expiry or termination of the ecConnect services; and
- (c) your right to use the ecConnect services pursuant to the Terms and Conditions herein, including the right to upload documents to the Website, shall at all times be subject to the discretion of BOC Life, and BOC Life may at any time revoke such right and/or terminate the ecConnect services without prior notice.
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Upon use of your password to access the ecConnect services or your email address on record, BOC Life is authorised to act on the received instructions and you agree that :
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12. Disclaimer
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12.1 BOC Life does not warrant the absence of delays, failures, errors, omissions or loss in respect of any information transmitted through the Website and disclaims its liability for any error in connection, interruption, delay in operation or incomplete transmission, line or system failure. BOC Life does not guarantee any of the following:
- (a) no viruses or other contaminating or destructive properties will be transmitted through the Website; or
- (b) no damage will occur to any computer system connecting to the Website. In using the Website, you shall have sole responsibility in protecting and backing up their data and/or equipment; and in taking any precautionary measures against computer viruses or other contaminating or destructive properties as you think appropriate and necessary.
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12.2 To the fullest extent permissible pursuant to applicable law :
- (a) the materials on the Website are provided "as is" basis and without warranties of any kind either expressed or implied and BOC Life and any of its group companies and affiliated companies disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose and may be changed at any time without prior notice;
- (b) BOC Life and any of its group companies and affiliated companies do not warrant that the Website (including materials on, and functions of, the Website) will be uninterrupted or error-free, that defects will be corrected, or that the Website or the server that makes it available are free of viruses or other harmful components; and
- (c) BOC Life and any of its group companies and affiliated companies do not warrant or make any representations regarding the use or the results of the use of the materials on the Website in terms of their correctness, accuracy, reliability, or otherwise. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. For complete details please refer to the actual policy or the relevant product or services agreement.
- 12.3 BOC Life and any of its group companies and affiliated companies make no warranties or representations as to the accuracy of the content and/or functions of the Website and/or the ecConnect services, and/or the outcome thereof. BOC Life and any of its group companies and affiliated companies accept no liability and will not be liable for any loss or damage arising directly or indirectly (including special, actual or contingent, incidental or consequential loss or damage) from your use/access to the Website and/or ecConnect services, 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 ecConnect services, its contents or associated services, or due to any unavailability or delay of the ecConnect services or any part thereof or any contents or associated services.
- 12.4 Use of hyperlinks to other internet sites or resources are at your own risks. BOC Life expressly disclaims any responsibility for the accuracy or availability of the information provided by those sites or for the safety of information which you may provide to any third party.
- 12.5 No information contained in the Website should be regarded as an offer to sell, to subscribe to, or provide any recommendation to any user. You should consult their own professional adviser before making any investment, financial decision or purchasing any product.
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12.1 BOC Life does not warrant the absence of delays, failures, errors, omissions or loss in respect of any information transmitted through the Website and disclaims its liability for any error in connection, interruption, delay in operation or incomplete transmission, line or system failure. BOC Life does not guarantee any of the following:
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13. Linked Websites
- The Website may be linked to other websites which are not maintained by BOC Life and any of its group companies and affiliated companies are provided for your connection only. BOC Life and any of its group companies and affiliated companies are not responsible for the content of those websites and have not verified them. The inclusion of any link to such websites does not imply approval of or endorsement by BOC Life and any of its group companies and affiliated companies of the websites or the content thereof. You acknowledge and agree that you access such websites at your own risk.
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14. Copyright and Trademarks
- 14.1 BOC Life and other parties own the trademarks, logos and service marks displayed on the Website. These may not be used without the written permission of BOC Life or the party owning these.
- 14.2 All materials on the Website are protected by copyright. No part of the materials may be modified, reproduced, transmitted and distributed in any format for commercial or public use without prior written consent by BOC Life.
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15. Governing Law and Jurisdiction
- These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”) and you agree to submit to the non-exclusive jurisdiction of the courts of Hong Kong.
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e站通 - 個人資料收集聲明
- 在中銀集團人壽保險有限公司(「中銀人壽」)，保護我們客戶的個人資料對於我們而言非常重要。作爲保險產品和服務提供商，收集和使用我們客戶的個人資料對於我們的日常業務經營至關重要。因此，我們致力於保護您的私隱，並承諾遵守《個人資料（私隱）條例》(香港法例第486章)（「條例」)的規定。
- 本《個人資料收集聲明》僅涉及中銀人壽的e站通服務，有關中銀人壽私隱政策的詳情，可瀏覽以下網址：http://www.boclife.com.hk/tc/privacy-policy.html
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1. 提供個人資料
- 爲了使用中銀人壽的e站通服務，您需要向中銀人壽提供若干個人資料。如您不提供該等資料，可能會導致中銀人壽無法向您提供e站通服務。
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2. 收集資料的目的
- 向您收集的資料（即保單持有人和受保人的姓名、保單編號、保單承保表以及相應保險公司的名稱）用於運作和向您提供e站通服務，包括使您能夠將您在其他保險公司投保的保單上傳到e站通平台上，並且，惟在得到您的同意的前提下，就您可能會提出的索償通知相應的保險公司。
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3. 個人資料的轉移
- 爲了向您提供e站通服務，我們收集的關於您的資料（即受保人的姓名和保單編號），惟在得到您的同意的前提下，可能會被轉移和披露予相應的保險公司，用於前一段中所述的目的。
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4. 查閲個人資料
- 根據條例的條款，您有權(a)核實中銀人壽是否持有關於您的個人資料並要求查閲該等資料；(b)要求中銀人壽修正任何關於您的而不準確的個人資料；及(c)確定中銀人壽關於個人資料的政策和常規並獲悉中銀人壽所持有的個人資料的類別。
- 根據條例的條款，中銀人壽有權為處理任何查閲資料要求收取合理的費用。如有查閲資料或修正資料或有關政策和常規及所持資料類別的資訊的要求，應發送至: -
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中銀集團人壽保險有限公司
資料保障主任
中銀集團人壽保險有限公司
香港太古城英皇道1111號13樓
傳真：(852) 2522 1219 - 本聲明的英文版本和中文版本如有任何不符，一概以英文版本為准。
- 發佈日期： 2017年6月
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ecConnect - Personal Information Collection Statement
- At BOC Group Life Assurance Company Limited ("BOC Life"), the protection of personal information of our customers is important to us. As a provider of insurance products and services, the collection and use of the personal information of our customers is fundamental to our daily business operations. Therefore, we are committed to safeguarding your privacy and pledge to observe the requirements of the Personal Data (Privacy) Ordinance (Cap. 486, Laws of Hong Kong) (the "Ordinance").
- This Personal Information Collection Statement relates specifically to BOC Life's ecConnect services only. For privacy information relating to other BOC Life services, please refer to BOC Life's general Privacy Policy at: http://www.boclife.com.hk/en/privacy-policy.html.
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1. Provision of Personal Information
- In order to use BOC Life's ecConnect services, it is necessary for you to supply BOC Life with certain personal information. Failure to supply such information may result in BOC Life being unable to provide you with the ecConnect services.
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2. Purpose of Information Collection
- The information collected from you (i.e. name of policy owner and insured, policy number, policy specification and name of corresponding insurance company) is for the purpose of operating and providing the ecConnect services to you, which includes enabling you to upload your insurance policies with other insurance company(ies) onto the ecConnect platform, and notifying the corresponding insurance company(ies), with your consent only, of claim(s) that you may raise to them.
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3. Transfer of Personal Information
- For the purposes of providing the ecConnect services to you, the information that we collect about you (i.e. name of insured and policy number) may be transferred and disclosed to the corresponding insurance company(ies), with your consent only, for the purposes set out in the previous paragraph.
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4. Access to Personal Information
- Under and in accordance with the terms of the Ordinance, you have the right (a) to check whether BOC Life holds personal information about you and to request access to such information; (b) to require BOC Life to correct any personal information relating to you which is inaccurate; and (c) to ascertain BOC Life's policies and practices in relation to personal information and to be informed of the kind of personal information held by BOC Life.
- In accordance with the terms of the Ordinance, BOC Life has the right to charge a reasonable fee for the processing of any information access request. The person to whom requests for access to information or correction of information or for information regarding policies and practices and kinds of data held are to be addressed is as follow: -
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BOC Group Life Assurance Company Limited
The Data Protection Officer
BOC Group Life Assurance Company Limited
13/F, 1111 King's Road, Taikoo Shing, Hong Kong
Facsimile: (852) 2522 1219 - If there is any inconsistency between the English version and the Chinese version of this Statement, the English version shall prevail.
- Release Date: Jun 2017
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個人資料收集聲明
- 在中銀集團人壽保險有限公司(“中銀人壽”)，保護我們客戶個人資料對我們很重要。作為一個提供保險產品及服務的機構，收集及運用客戶個人資料是我們日常商業運作的基本工作。
- 如客戶希望了解中銀人壽的私隱政策聲明的詳情，歡迎透過以下網址 http://www.boclife.com .hk/tc/privacy-policy.html 閱讀有關文件。
- 1. 本聲明列載中銀集團人壽保險有限公司（下稱「本公司」）有關其資料當事人（見以下定義）的資料政策。
- 2. 就本聲明而言，「本集團」指本公司及其控股公司、分行、附屬公司、代表辦事處及附屬成員，及其中任何一方，不論其所在地。附屬成員包括本公司的控股公司之分行、附屬公司、代表辦事處及附屬成員，不論其所在地。
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3. 「資料當事人」一詞，不論於本聲明何處提及，包括以下爲個人的類別：
- a. 本公司提供的保險及相關服務和產品的申請人或客戶/用戶，包括保單權益人、索償人、受益人、受保人及/或其他有關人士及其被授權人；
- b. 任何公司申請人及客戶/用戶的董事、股東、高級職員及經理；及
- c. 本公司的供應商、承建商、服務供應商及其他合約締約方。
- 4. 資料當事人在建立、延續保險業務及行政事宜及/或有關的產品及服務、處理有關本公司簽發的保單的索償，及/或處理任何和所有其他資料當事人的要求、查詢或投訴、及/或為遵守在香港特別行政區境內或境外的監管或其他機關頒佈的任何法律、發出的指引或要求（包括但不限於根據香港特別行政區與美國之間的跨政府協議（「跨政府協議」）、香港特別行政區與美國在2014年3月25日簽署的《稅務資訊交換協議》執行《海外賬戶稅收合規法案》，以及經濟合作暨發展組織作出的規定，包括關於其為履行其共同報告標準的主管機關協議的監管機制）時，資料當事人需要不時向本公司提供有關的個人資料。
- 5. 若未能向本公司提供該等資料，可能會由於資料不足導致本公司無法評估/處理你的申請及/或提供保險及相關服務和產品。若你拒絕給予上述明確的同意，本公司也可能需要向適用的監管機構匯報保單項下的價值和付款金額；在特定的情況下，若你拒絕給予明確的同意，本公司可能保留保單項下的部分或所有利益；或終止保單。
- 6. 本公司會不時從各方收集或接收有關資料當事人的資料。該等資料包括但不限於在資料當事人與本公司或本集團成員延續正常業務往來期間，例如，當資料當事人簽發支票、存款或透過本公司或本集團成員發出的或提供的信用卡進行交易或在一般情況下以口頭或書面形式與本公司溝通時，從資料當事人所收集的資料。資料亦可能與本公司或任何本集團成員可獲取的其他資料組合或產生。
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7. 資料當事人之資料(包括信用資料和以往申索紀錄)的用途將視乎其與本公司及/或本集團的關係性質有所不同，其中包括以下用途：
- a. 處理、評估及/或批核有關保險產品及服務的申請、調查和結清申索、偵測和防止欺詐行為（無論是否與就此申請而發出的保單有關）、及有關該等產品及服務的增添、更改、變更、取消、續期及/或復效的申請；
- b. 管理由本公司及/或本集團簽發的保單；
- c. 研究及/或設計供客戶使用的保險/金融產品及/或服務；
- d. 與任何由本公司或本集團提供的產品及/或服務相關，而由你提出或對你作出的索償，或以其他形式涉及你的索償有關的用途，包括但不限於作出、辯護、分析、調查、處理、評估、釐定、結清或回應該等索償；
- e. 在適當時進行身份及/或信貸檢查及進行資料配對程序；
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f. 為符合根據下述適用於本公司及/或期望本公司及/或本集團遵從有關披露及使用資料之責任、規定或安排：
- i. 在香港特別行政區境內或境外之已存在、現有或將來對其具約束力或適用於其的任何法律；
- ii. 在香港特別行政區境內或境外之已存在、現有或將來並由任何法定、監管、政府、稅務、執法或其他機構，或由金融服務提供者之自律監管或行業的團體或組織所發出或提供之任何指引或指導；
- iii. 本公司及/或本集團因其金融、商業、營業或其他利益或活動處於或關連於相關本地或海外的法定、監管、政府、稅務、執法或其他機構或金融服務提供者之自律監管或行業團體或組織之司法管轄區而須承擔或獲施加與本地或海外之法定、監管、政府、稅務、執法或其他機構或金融中介人、或金融服務提供者之自律監管或行業團體或組織之間的現有或將來之任何合約承諾或其他承諾及/或本公司及/或本集團遵守適用稅務法律的義務，包括但不限於《海外賬戶稅收合規法案》和跨政府協議；
- g. 處理（包括但不限於調查、分析、核保及裁定）有關本公司簽發的保單的索償；
- h. 爲推廣服務、產品及其他標的（詳見下述第11段）；
- i. 提供客戶服務（包括但不限於處理查詢及投訴）及有關活動；
- j. 供本公司及本集團作進行統計或精算研究用途；
- k. 釐定本公司欠付你或你拖欠本公司的任何款項的金額，及強制執行你應向本公司履行之責任，包括但不限於向你或任何已爲你的債務向本集團提供任何擔保或承諾的人士追收欠款；
- l. 爲符合根據任何本集團計劃下就遵從洗錢、恐怖份子資金籌集或其他非法活動之制裁或防止或偵測而作出本集團內資料及信息分享及/或任何其他使用資料及信息的任何責任、規定、政策、程序、措施或安排；
- m. 使本公司的實在或建議承讓人，或本公司對資料當事人的權利的參與人或附屬參與人評核意圖成為轉讓，參與或附屬參與的交易；
- n. 與資料當事人或其他人士之資料比較以進行信貸調查，資料核實或以其他方法產生或核實資料，不論有關比較是否為對資料當事人採取不利之行動而推行；
- o. 作為維持資料當事人的信貸記錄或其他記錄（不論資料當事人與本公司是否存在任何關係），以作現在或將來參考之用；及
- p. 任何與上述第7段事項有聯繫、有附帶性或有關的用途。
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8. 本公司會對其持有的資料當事人資料保密，但(如適用之法律有所要求，僅在獲得資料當事人的單獨同意的情況下)本公司可能會把該等資料提供及披露（如條例及/或適用之法律所定義的）給下述各方作先前一段列出的用途：
- a. 任何代理人、承包人、或向本公司提供行政、電訊、電腦、付款或其他與本公司業務運作有關的服務的第三方服務供應商，不論其所在地；
- b. 任何對本公司(包括本集團的任何成員)有保密責任並已承諾作出保密有關資料的其他人士；
- c. 任何再保險及索償調查公司、有關的保險行業協會及聯會和該等協會及聯會的會員；
- d. 信貸資料服務機構；而在資料當事人欠賬時，則可將該等資料提供給收數公司；
- e. 任何與資料當事人已經或將會存在往來的金融機構、消費卡或信用卡發行公司、保險公司、證券及投資公司；
- f. 本公司及/或本集團在根據對其本身及/或本集團具約束力或適用的任何本地或外國法律、法例或法規規定下之責任或其他原因而必須向該人、實體、或政府或政府機構或金融中介人作出披露，或按照及為實施由任何法定、監管、政府、稅務、執法或其他機構或金融服務提供者之自律監管或行業團體或組織所提供或發出的指引或指導需預期向該人作出披露，或根據與本地或海外之法定、監管、政府、稅務、執法或其他機構或金融服務提供者之自律監管或行業團體或組織之間的任何合約承諾或其他承諾而向該人作出任何披露之任何人士，該等人士可能處於香港特別行政區境內或境外及可能是已存在、現有或將來出現的任何人士；
- g. 假如資料當事人的資料是被收集並使用於處理其申請、調查和結清申索、以及偵測和防止欺詐行為，有關個人資料將會被轉移給以下人士，而他們只能在有合理需要履行前述任何一項目的之情況下才可收集和使用這些資料：保險理算人、代理和經紀；僱主；醫護專業人士；醫院；會計師；財務顧問；律師；整合保險業申索和承保資料的組織；防欺詐組織；其他保險公司（無論是直接地，或是通過防欺詐組織或本段中指名的其他人士）；警察；和保險業就現有資料而對所提供的資料作出分析和檢查的數據庫或登記冊（及其運營者）。
- h. 本公司的任何實在或建議承讓人或就本公司對資料當事人的權利的參與人或附屬參與人或受讓人；及
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i.
- i. 本集團之任何成員；
- ii. 第三方金融機構、承保人、信用卡公司、證券、商品及投資服務供應商；
- iii. 第三方獎賞、年資獎勵、聯名合作及優惠計劃供應商；
- iv. 本公司及本集團之聯名合作夥伴（有關服務和產品的申請表上會提供聯名合作夥伴的名稱（視屬何情況而定））；
- v. 慈善或非牟利組織；及
- vi. 就上述第7(h)段而獲本公司任用之第三方服務供應商（包括但不限於代寄郵件公司、電訊公司、電話促銷及直銷代理人、電話服務中心、數據處理公司及資訊科技公司），不論其所在地。
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9. 如適用之法律有所要求，本公司將在和第三方共享資料當事人的個人資料前，告知資料當事人接收方的姓名和聯繫方式、處理和提供其個人資料的目的和方式，以及將要提供和分享個人資料的種類，並徵求資料當事人對共享其個人資料的單獨同意。前述的個人資料接收方將僅為實現本通知下規定的具體目的所需的範圍內使用個人資料，並在實現目的所需的最短時間內保存個人資料，或（如適用之法律有所要求）前述的個人資料接收方將按照適用之法律使用及保存個人資料。
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10. 本公司收集的部分資料可能構成個人信息保護法下的「敏感個人信息」，而只有在採取了嚴格的保護措施且在處理行為具備充分必要性的前提下，本公司才會處理敏感個人信息。如適用之法律有所要求，該等敏感個人信息將在獲得資料當事人的單獨同意後才進行處理。
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11. 使用資料作直接促銷
本公司擬使用資料當事人的資料作直接促銷及本公司須為此目的取得資料當事人同意（包括資料當事人不反對之表示）。2012年個人資料（私隱）條例第VIA部中關於資料當事人的同意的特定要求。因此，請注意以下：- a. 本公司持有資料當事人的姓名、聯絡詳情、產品及服務投資組合信息、交易模式及行徑、財務背景及統計資料可不時被本公司用於直接促銷；
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b. 以下服務、產品及類別可作推廣：
- i. 財務、保險、信用卡、證券、商品、投資、銀行及相關服務和產品；
- ii. 獎賞、年資獎勵或優惠計劃及相關服務和產品；
- iii. 本公司的聯名合作夥伴提供之服務和產品（有關服務和產品的申請表上會提供聯名合作夥伴的名稱（視屬何情況而定））；及
- iv. 為慈善及/或非牟利的目的之捐款及資助；
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c. 上述服務、產品及標的可由本公司及/或下述人士提供或（如涉及捐款及資助）募捐：
- i. 本集團之任何成員；
- ii. 第三方金融機構、承保人、信用卡公司、證券、商品及投資服務供應商；
- iii. 第三方獎賞、年資獎勵、聯名合作及優惠計劃供應商；
- iv. 本公司及本集團之聯名合作夥伴（有關服務和產品的申請表上會提供聯名合作夥伴的名稱（視屬何情況而定））；
- v. 慈善或非牟利組織；及
- d. 除本公司推廣上述服務、產品及標的外，本公司同時擬提供列明於上述第11(a)段之資料至上述第11(c)段的所有或其中任何人士，該等人士藉以用於推廣上述服務、產品及標的，並本公司須為此目的取得資料當事人同意（其中包括資料當事人不反對之表示）。
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12. 使用本公司開放應用程式介面（「Open API」）向資料當事人的第三方服務供應商轉移個人資料
本公司可根據資料當事人向本公司或資料當事人使用之第三方服務供應商所發出的指示，使用本公司的Open API向第三方服務供應商轉移資料當事人的資料，以作本公司或第三方服務供應商所通知資料當事人的用途及/或資料當事人根據條例所同意的用途。 -
13. 根據條例及/或適用之法律的條款，任何資料當事人有權：
- a. 查核本公司是否持有他的資料及要求查閱該等資料；
- b. 要求本公司改正任何有關他的不準確的資料；
- c. 查明關於本公司保障個人資料私隱的政策及實務和獲告知本公司持有的個人資料種類；
- d. 根據適用之法律，
- i. 要求本公司刪除其個人資料；
- ii. 反對以某種特定方式使用其個人資料；
- iii. 要求對處理其個人資料的規則進行解釋說明；
- iv. 要求本公司將其向本公司提供的個人資料轉移給其選擇的第三方；
- v. 撤回對收集、處理或轉移其個人資料的同意（資料當事人應注意，資料當事人撤回他們的同意可能導致本公司無法評估/處理你的申請及/或提供保險及相關服務和產品）；和
- vi. 要求對自動化決策過程中產生的決策進行解釋，以及拒絕接受僅由自動化決策技術作出的決定。
- 14. 根據條例及/或適用之法律的條款，本公司有權就處理任何查閱資料的要求收取合理費用。
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15. 任何關於查閱或改正資料，或索取關於本公司保障個人資料私隱的政策及實務或所持有的資料種類的要求，應向下列人士提出：
- 中銀集團人壽保險有限公司
- 資料保障主任
- 中銀集團人壽保險有限公司
- 香港太古城英皇道1111號13樓
- 傳真：(852) 2522 1219
- 16. 本聲明的英文版本與中文版本如有任何分歧，一概以英文版本為準。
- 二零二四年一月
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Personal Information Collection Statement
- At BOC Group Life Assurance Company Limited ("BOC Life"), the protection of personal information of our customers is important to us. As a provider of insurance products and services, the collection and use of the personal information of our customers is fundamental to our daily business operations.
- If you wish to understand BOC Life’s Privacy Policy Statement in detail, you may visit relevant document using the hyperlink below http://www.boclife.com.hk/en/privacy-policy.html.
- 1. This Statement sets out the data policies of BOC Group Life Assurance Company Limited (the "Company") in respect of data subjects (as hereinafter defined).
- 2. For the purposes of this Statement, the “Group” means the Company and its holding companies, branches, subsidiaries, representative offices and affiliates, wherever situated, and any one of them. Affiliates include branches, subsidiaries, representative offices and affiliates of the Company’s holding companies, wherever situated.
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3. The term "data subject(s)", wherever mentioned in this Statement, includes the following categories of individuals :-
- a. applicants for or customers/users, including policyowner(s), claimant(s), beneficiary(ies), life insured(s), and/or relevant individuals, of insurance and related services and products and facilities and so forth provided by the Company and their authorized signatories;
- b. directors, shareholders, officers and managers of any corporate applicants and data subjects/users; and
- c. suppliers, contractors, service providers and other contractual counterparties of the Company.
- 4. From time to time, it is necessary for the data subjects to supply the Company with personal data in connection with the provision, continuation and administration of insurance and/or related products and services to the data subjects, the processing of claims under insurance policies issued by the Company, the processing of any and all other requests, enquiries and complaints from the data subjects, and/or compliance with any laws, guidelines or requests issued by regulatory or other authorities within or outside the Hong Kong Special Administrative Region (including but not limited to the implementation of the U.S. Foreign Account Tax Compliance Act (“FATCA”) pursuant to the intergovernmental agreement (“IGA”) between the Hong Kong Special Administrative Region and the U.S., the tax information exchange agreement that the Hong Kong Special Administrative Region signed with the U.S. on 25 March 2014, and the provisions issued by the Organization for Economic Co-operation and Development, including the regulatory scheme relating to its Competent Authority Agreement (“CAA”) to implement its Common Reporting Standard (“CRS”)).
- 5. Failure to supply such data may result in the Company being unable to assess / process your application and / or provide insurance and related services and products, due to lack of information. We may also be required to report to applicable regulatory authority(ies) values and payment amounts under the insurance policy if you refuse to give the said express consent; under specified circumstances, withhold some or all benefits under the insurance policy if you refuse to give the express consent; or terminate the policy.
- 6. Data relating to the data subjects are collected or received by the Company from various sources from time to time. Such data may include, but not limited to, data collected from data subjects in the ordinary course of the continuation of the relationship between the Company or any member of the Group and data subjects, for example, when data subjects write cheques, deposit money, effect transactions through credit cards issued or serviced by the Company or any member of the Group or generally communicate verbally or in writing with the Company. Data may also be generated or combined with other information, available to the Company or any member of the Group.
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7. The purposes for which the data relating to the data subjects (including credit information and claims history) may be used will vary depending on the nature of the data subjects' relationship with the Company and
/ or the Group, they may include the following :
- a. processing, evaluation and/or approving applications for insurance products and services, investigate and settle claims, detect and prevent fraud (whether or not relating to the policy issued in respect of this application) and additions, alterations, variations, cancellations, renewals, and reinstatements of such products and services;
- b. administering insurance policies issued by the Company and / or the Group;
- c. researching and/or designing insurance/financial products and/or services for customers’ use;
- d. any purposes with regard to any claims made by or against or otherwise involving you in relation to any products and/or services provided by the Company and / or the Group including, but not limited to, making, defending, analyzing, investigating, processing, assessing, determining, settling or responding to such claims;
- e. conducting identity and/or credit checks whenever appropriate and carrying out data matching procedures;
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f. complying with the obligations, requirements or arrangements for disclosing and using data that apply to the Company and / or the Group or that it is expected to comply according to:
- i. any local or foreign law, legislation or regulation binding or applying to it within or outside the Hong Kong Special Administrative Region existing currently and in the future;
- ii. any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers within or outside the Hong Kong Special Administrative Region existing currently and in the future;
- iii. any present or future contractual or other commitment with a local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities or financial intermediary, or self-regulatory or industry bodies or associations of financial services providers that is assumed by or imposed on the Company and / or the Group by reason of its financial, commercial, business or other interests or activities in or related to the jurisdiction of the relevant local or foreign legal, regulatory, governmental, tax, law enforcement or other authority, or self-regulatory or industry bodies or associations and/or the obligations of the Company and/or the Group to comply with applicable tax laws including but not limited to FATCA and the IGA;
- g. processing (including, but not limited to, investigating, analyzing, underwriting and adjudicating) claims under insurance policies issued by the Company
- h. marketing services, products and other subjects (please see further details in paragraph 11 below);
- i. providing customer services (including, but not limited to, processing enquiries and complaints) and related activities;
- j. conducting statistical or actuarial research of the Company and/or the Group;
- k. determining amount of indebtedness owed to or by you, and enforcing your obligations including without limitation the collection of amounts outstanding from you or any person who has provided any security or undertaking for your liabilities owing to the Group;
- l. complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within the Group and/or any other use of data and information in accordance with any group-wide programmes for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities;
- m. enabling an actual or proposed assignee of the Company, or participant or sub-participant of the Company's rights in respect of the data subjects to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation;
- n. comparing data of data subjects or other persons for credit checking, data verification or otherwise producing or verifying data, whether or not for the purpose of taking adverse action against data subjects;
- o. maintaining a credit history or otherwise, a record of data subjects (whether or not there exists any relationship between data subjects and the Company) for present and future reference; and
- p. any purposes incidental, associated or relating to Paragraph 7.
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8. Data held by the Company relating to data subjects will be kept confidential but, subject to the data subject's separate consent (insofar as required by applicable laws), the Company may provide and disclose (as defined in the Ordinance and/or applicable laws) such data to the following parties for the purposes set out in the previous paragraph: -
- a. any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment or other services to the Company in connection with the operation of its business, wherever situated;
- b. any other person under a duty of confidentiality to the Company including any member of the Group which has undertaken to keep such information confidential;
- c. any reinsurance and claims investigation Company, relevant insurance industry association and federation, and members of such industry associations and federations;
- d. credit reference agencies, and, in the event of default, to debt collection agencies;
- e. any financial institution, charge or credit card issuing Company, insurance company, securities and investment company with which the data subjects have or propose to have dealings;
- f. any person, entity, or government or government agency or financial intermediary, to whom the Company and / or the Group is under an obligation or otherwise required to make disclosure under the requirements of any local or foreign law, legislation or regulation binding on or applying to the Company and / or the Group, or any disclosure under and for the purposes of any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers with which the Company and / or the Group is expected to comply, or any disclosure pursuant to any contractual or other commitment of the Company or the Group with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers, all of which may be within or outside the Hong Kong Special Administrative Region and may be existing currently and in the future;
- g. If the data relating to the data subjects is being collected and used for the purpose of processing your application, investigating and settling claims and preventing and detecting fraud, such personal data will be transferred to the following persons who may collect and use this information only as reasonably necessary to carry out one of the aforementioned purposes: insurance adjusters, agents and brokers; employers; health care professionals; hospitals; accountants; financial advisors; solicitors; organisations that consolidate claims and underwriting information for the insurance industry; fraud prevention organisations; other insurance companies (whether directly or through fraud prevention organisation or other persons named in this paragraph), the police and databases or registers (and their operators) used by the insurance industry to analyse and check information provided against existing information.
- h. any actual or proposed assignee of the Company or participant or sub-participant or transferee of the Company's rights in respect of the data subject; and
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i.
- i. any member of the Group;
- ii. third party financial institutions, insurers, credit card companies, securities, commodities and investment services providers;
- iii. third party reward, loyalty, co-branding and privileges programme providers;
- iv. co-branding partners of the Company and the Group (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be);
- v. charitable or non-profit making organisations; and
- vi. external service providers (including but not limited to mailing houses, telecommunication companies, telemarketing and direct sales agents, call centres, data processing companies and information technology companies) that the Company engages for the purposes set out in paragraph (7)(h) above, wherever situated.
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9. To the extent required by applicable laws, the Company will, prior to sharing the data subject’s personal data with third parties, notify the data subject of the name and contact details of the recipients, the purposes and means of processing and provision of the data subject’s personal data, and the types of personal data to be provided and shared, and obtain the data subject’s separate consent to the sharing of the data subject’s personal data. The foregoing data recipients will use the personal data to the extent necessary for the specific purposes set out in this Notice and store the personal data for the minimum length of time required to fulfil the purposes, or insofar as required by applicable laws, in accordance therewith.
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10. Some of the data collected by the Company may constitute sensitive personal data under applicable laws. In this case, the Company will only process sensitive personal data if strict protection measures are put in place and there is sufficient necessity to justify the processing. Insofar as required by applicable laws, such sensitive personal data will be processed with the data subject’s separate consent.
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11. USE OF DATA IN DIRECT MARKETING
The Company intends to use the data subject's data in direct marketing and the Company requires the data subject's consent (which includes an indication of no objection) for that purpose. The specific requirement regarding data subject’s consent (which includes an indication of no objection) under Part VIA of the Personal Data (Privacy) Ordinance 2012. In this connection, please note that:- a. the name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data of the data subject held by the Company from time to time may be used by the Company in direct marketing;
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b. the following classes of services, products and subjects may be marketed:
- i. financial, insurance, credit card, securities, commodities, investment, banking and related services and products;
- ii. reward, loyalty or privileges programmes and related services and products;
- iii. services and products offered by the Company’s co-branding partners (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); and
- iv. donations and contributions for charitable and/or non-profit making purposes;
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c. the above services, products and subjects may be provided or (in the case of donations and contributions) solicited by the Company and/or:
- i. any member of the Group;
- ii. third party financial institutions, insurers, credit card companies, securities, commodities and investment services providers;
- iii. third party reward, loyalty, co-branding or privileges programme providers;
- iv. co-branding partners of the Company and the Group (the names of such co-branding partners can be found in the application form(s) for the relevant services and products, as the case may be); and
- v. charitable or non-profit making organisations;
- d. in addition to marketing the above services, products and subjects itself, the Company also intends to provide the data described in paragraph 11(a) above to all or any of the persons described in paragraph 11(c) above for use by them in marketing those services, products and subjects, and the Company requires the data subject's written consent (which includes an indication of no objection) for that purpose.
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12. TRANSFER OF PERSONAL DATA TO DATA SUBJECT’S THIRD PARTY SERVICE PROVIDERS USING THE COMPANY’S OPEN APPLICATION PROGRAMMING INTERFACES (“OPEN API”)
The Company may, in accordance with the data subject’s instructions to the Company or third party service providers engaged by the data subject, transfer data subject’s data to third party service providers using the Company’s Open API for the purposes notified to the data subject by the Company or third party service providers and/or as consented to by the data subject in accordance with the Ordinance. -
13. Under and in accordance with the terms of the Ordinance and/or applicable laws, any data subject has the right:
- a. to check whether the Company holds data about him and to request access to such data;
- b. to require the Company to correct any data relating to him which is inaccurate;
- c. to ascertain the BOC Life's protecting personal data privacy policies and practices and to be informed of the kind of personal data held by the Company;
- d. in accordance with applicable laws,
- i. to request the Company to delete his/her personal data;
- ii. to object to certain uses of his/her personal data;
- iii. to request an explanation of the rules governing the processing of his/her personal data;
- iv. to ask that the Company transfer personal data that he/she has provided to the Company to a third party of his/her choice under circumstances as provided under applicable laws;
- v. to withdraw any consent for the collection, processing or transfer of his/her personal data (the data subject should note that withdrawal of their consent may result in the Company being unable to provide, continue and administrate the insurance and/or related products and services); and
- vi. to have decisions arising from automated decision making (“ADM”) processes explained and to refuse to such decisions being made solely by ADM.
- 14. In accordance with the terms of the Ordinance and/or applicable laws, the Company may to charge a reasonable fee for the processing of any data access request.
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15. The person to whom requests for access to data or correction of data or for information regarding BOC Life's protecting personal data privacy policies and practices and kinds of data held are to be addressed
is as follow: -
- BOC Group Life Assurance Company Limited
- The Data Protection Officer
- BOC Group Life Assurance Company Limited
- 13/F, 1111 King's Road, Taikoo Shing, Hong Kong
- Facsimile: (852) 2522 1219
- 16. If there is any inconsistency between the English version and the Chinese version of this Statement, the English version shall prevail.
- January 2024
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直接付款授權書
- 1. 本人/吾等現授權本人/吾等之下述銀行，(根據受益人不時給予本人/吾等銀行之指示)自本人/吾等之賬戶轉賬予受益人之賬戶。
- 2. 本人/吾等同意本人/吾等之銀行無須證實該等轉賬通知是否已交予本人/吾等。
- 3. 本人/吾等同意本人/吾等之賬戶出現透支(或令現時之透支增加)，本人/吾等願共同及個別承擔全部責任。
- 4. 本人/吾等確定，本人/吾等於本授權書上之簽名，與本人/吾等支付該等轉賬之儲蓄/往來銀行賬戶所簽者完全相同。
- 5. 本人/吾等同意給予受益人任何更改銀行賬戶或取消付款方法之書面通知，並且同意如本人/吾等之賬戶並無足夠款項支付該等授權轉賬時，本人/吾等之銀行有權不予轉賬，且銀行可向本人/吾等收取慣常之收費。
- 6. 本授權書將生效直至另行通知為止。
- 7. 本人/吾等同意，本人/吾等取消或更改本授權書之任何通知，須於取消/更改生效日最少兩個工作天之前交予本人/吾等之銀行，並須同一時間將該通知交予受益人。
- 8. 相等之港元將會以本公司處理自動轉賬時之美元兌港元或人民幣兌港元(視何者適用而定)匯率為準。因匯率可隨時變動，本人/吾等同意貴司不需承擔任何因港元貶值而引致之損失。
- 9. 本人/吾等明白本人/吾等如非保單權益人，並無任何權利於上述保單或其收益上有任何權益。
- 自動轉賬以港幣或人民幣(視何者適用而定)為單位及將按中銀人壽扣除保費日之兌換率計算。當退款時，將按退款日之兌換率計算。
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Direct Debit Authorization
- 1. I/We hereby authorize my/our below-named Bank to effect transfer from my/our account to that of the Beneficiary in accordance with such instructions as my/our Bank may receive from the Beneficiary from time to time.
- 2. I/We agree that my/our Bank shall not be obliged to ascertain whether or not notice of any such transfer has been given to me/us.
- 3. I/We jointly and severally accept full responsibility for any overdraft (or increase in existing overdraft) on my/our account which may arise as a result of any such transfer(s).
- 4. I/We confirm that my/our signature(s) on this authorization form is/are the same as that/those for the operation of my/our Savings/Current Account to be debited for the transfer.
- 5. I/We agree to notify the Beneficiary in writing of any change of bank account or cancellation of payment method and further agree that should there be insufficient funds in my/our Bank account to meet any transfer hereby authorized, the Bank shall be entitled, at its discretion, not to effect such transfer in which event the Bank may make the usual service charge to be paid by me/us.
- 6. This authorization shall have effect until further notice.
- 7. I/We agree that any notice of cancellation or variation of this authorization which I/we may give to my/our Bank shall be given at least two working days prior to the date on which such cancellation/variation is to take effect and at the same time such notice shall be given to the Beneficiary.
- 8. The HK Dollar equivalent will be based on the Company’s US Dollar against HK Dollar or CNY against HK Dollar exchange rate (as applicable) at the time the debit is processed by the Company. Because of possible fluctuation in the exchange rate, I/We agree not to hold the Company responsible for any loss caused by any diminution in the value of the Hong Kong currency.
- 9. I/We understand that I/we, if not being the Policy Owner, claim no right or title or lien upon the proceeds of the above policy.
- All Direct Debits will be made in Hong Kong or CNY Currency (as applicable) and will apply the Company’s exchange rate on the premium debiting date.The Company’s exchange rate on the refund processing date will be applied whenever refund is required.
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電子保單更改服務條款及細則
- 中銀集團人壽保險有限公司（“中銀人壽”）的電子保單更改服務，使現有的保單持有人可以經電子保單服務提交保單更改指示。
- 在使用電子保單更改服務前，請閱讀以下條款及細則。
- 以下的條款及細則無損且不抵觸中銀人壽電子保單服務的條款及細則。如下列條款及細則與電子保單服務的條款及細則有任何不一致，在有關於電子保單更改服務的差異部分會以電子保單更改服務為準。
- 如果您不同意以下的條款及細則，請勿使用電子保單更改服務。當您使用及進入電子保單更改服務的任何部分，即表示您已閱讀並同意以下條款及細則：
- 1. 若中銀人壽在每個香港工作日（“工作日”）（星期六、日及公眾假期及由於當天或當天部分時間懸掛八號或以上颱風訊號及/或黑色暴雨訊號除外）中午十二時正（“截止時間”）或以前收到有關保單更改指示，中銀人壽一般會於同一天處理。中銀人壽有唯一及絕對酌情權拒絕接受或處理不合乎中銀人壽相關的行政規則和程序所限的任何由您透過電子保單更改服務發出的指示。
- 2. 所有在非工作日或截止時間後收到之指示，該指示將被視為在下一個工作日收到。
- 3. 電子保單更改服務屬一項附加服務，不可視作為替代其他發出指示或進行交易的方法。無論由於任何原因（及無論是否在中銀人壽的控制範圍內）而令該服務未能如常運作，您無權要求中銀人壽賠償，並應使用其他可行方法發出指示或進行交易。
- 4. 您一經提交指示，該指示不得修改、取消或撤回。中銀人壽並無任何義務或責任，進一步驗證該指示或任何作出該指示人士的身份或權限的真確性。所有此等經中銀人壽以誠信理解及接受並予以執行的指示，均不可撤回及對您具有約束力。
- 5. 中銀人壽不會承擔任何就延誤處理透過電子保單更改服務的指示而產生的責任。
- 6. 中銀人壽只會接受和執行其認為切實可行和合理且符合其行政規則和程序的指示。
- 7. 中銀人壽可在其認為合適的任何時候，無需經您的同意及無論有沒有通知，隨時修改或刪除本條款及細則及╱或引入新增條款及細則(或其任何部分)的唯一及絕對酌情權利，並以中銀人壽認為合適的通訊方式通知您，如您繼續是電子保單服務的註冊用戶或在該條款及細則生效後使用電子保單服務或電子保單更改服務，此等修訂對您具有約束力。
- 8. 本條款及細則受香港特別行政區法律所管轄，並按其詮釋及您同意接受香港法院的非專屬性司法管轄權。
- 9. 本條款及細則之中文版本只作參考，如英文版本與中文版本有任何歧異，一概以英文版本為準。
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Terms and Conditions for e-Policy Change Service
- The e-Policy Change Service of BOC Group Life Assurance Co., Ltd (“BOC Life”) enables its existing policy owners to submit policy change instructions through eService.
- Before using the e-Policy Change Service, please read the following terms and conditions (“Terms and Conditions”).
- These Terms and Conditions are in addition and without prejudice to the terms and conditions of eService. In case of any inconsistency between these Terms and Conditions and the terms and conditions of using eService, the former shall prevail to the extent of such inconsistency or conflict so far as the e-Policy Change Service is concerned.
- If you do not agree to these Terms and Conditions, please do not use e-Policy Change Service. By using or accessing any part of e-Policy Change Service, you confirm you have read and agreed to the following:
- 1. All instructions received by BOC Life through e-Policy Change Service on or before 12:00 noon (“Cut-off Time”) on each Hong Kong business day excluding Saturdays, Sundays and Public Holidays and those business days when BOC Life is closed for business at the material time by reason of the fact that the typhoon signal no.8 or above and/or the black rainstorm warning signal are/is being hoisted on the day or part of the day (“Business Day”) will normally be processed on the same day. BOC Life may in its sole and absolute discretion, refuse to accept or act on any instruction given by you through e-Policy Change Service if the instruction is so given, in the opinion of BOC Life, non-compliance with the administrative rules and procedures of BOC Life.
- 2. If an instruction is received on a day which is not a Business Day or is received by BOC Life after the Cut-off Time, it will be treated as if such instruction was received on the next Business Day.
- 3. e-Policy Change Service is an additional service and shall not be considered as a substitute for other method(s) of delivering instructions or effecting transactions. In the event that e-Policy Change Service is not available for any reason whatsoever (whether or not within the control of BOC Life), you shall have no claim whatsoever against BOC Life and shall use other available means to deliver instructions or effect transactions.
- 4. All instructions once submitted by you may not be amended, cancelled or withdrawn. BOC Life shall have no obligations or duty to further verify the authenticity of any instruction or the identity or authority of any person giving such instruction. All such instructions being accepted and acted on by BOC Life, in good faith, shall be irrevocable and binding on you.
- 5. BOC Life shall not be liable for any delay in processing any instruction given through e-Policy Change Service.
- 6. BOC Life will only accept and act on an instruction when it is in BOC Life opinion practicable and reasonable to do so and in accordance with its administrative rules and procedures.
- 7. BOC Life may at any time and from time to time at its sole and absolute discretion to add, delete or revise the Terms and Conditions (or any part thereof) without your consent and with or without notice in such manner and by such means of communication as BOC Life shall deem fit and shall be binding on you if you continue to remain as a registered user of eService or use the eService or e-Policy Change Service on or after the effective date thereof.
- 8. These Terms and Conditions are governed by and will be construed in accordance with the laws of Hong Kong Special Administrative Region (“Hong Kong”) and you agree to submit to the non-exclusive jurisdiction of the courts of Hong Kong.
- 9. The Chinese version of these Terms and Conditions is for reference only. In case of inconsistency of meaning between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.
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電子理賠服務的條款及細則
- 中銀集團人壽保險有限公司 (“中銀人壽”)的電子理賠服務，使現有保單持有人可以經電子保單服務提交或查詢理賠指示。
- 在使用電子理賠服務前，請閱讀以下條款及細則
- 以下條款及細則無損且不抵觸中銀人壽電子保單服務的條款及細則。如下列條款及細則與電子保單服務的條款及細則有任何不一致，在有關於電子理賠服務的差異部分會以下列條款及細則為準。
- 如果您不同意以下的條款及細則，請勿使用電子理賠服務。當您使用或進入電子理賠服務的任何部分，即表示您已閱讀並同意以下條款及細則：
- 1. 若中銀人壽在每個香港工作日（“工作日”）（星期六、日及公眾假期及由於當天或當天部分時間懸掛八號或以上颱風訊號及/或黑色暴雨訊號除外）中午十二時正（“截止時間”）或以前收到有關保單更改指示，中銀人壽一般會於同一天處理。中銀人壽有唯一及絕對酌情權拒絕接受或處理不合乎中銀人壽相關的行政規則和程序所限的任何由您透過電子保單更改服務發出的指示。
- 2. 所有在非工作日或截止時間後收到之理賠指示或查詢，該理賠指示或查詢將被視為在下一個工作日收到。
- 3. 電子理賠服務屬一項附加服務，中銀人壽有唯一及絕對酌情權決定是否將此項服務視作為替代其他發出指示或進行交易的方法。無論由於任何原因（及無論是否在中銀人壽的控制範圍內）而令該服務未能如常運作，您無權要求中銀人壽賠償，並應使用其他中銀人壽認為合適可行的方法發出指示或進行交易。
- 4. 您一經提交理賠指示或查詢，該理賠指示或查詢不得修改 、取消或撤回。中銀人壽並無任何義務或責任，進一步驗證該理賠指示或查詢或任何作出該理賠指示或查詢的人士的身份或權限的真確性。
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5.「豁免遞交醫療正本收據」
- 適用於香港境內之住院/門診收據每張金額不多於港幣20,000元並經電子服務平台遞交的索償申請，有關醫療收據正本需在遞交後保留最少6個月以供中銀人壽作核實。
- 倘若您已提交索償給其他保險公司，您需要確認並已隨附該保險公司的賠償通知書。
- 中銀人壽將保留一切權利於保留期內要求您將已成功處理的電子索償申請之有關醫療收據/收條正本及證明文件（「文件正本」）遞交至中銀人壽作審查用途。
- 倘若您收到中銀人壽此等要求之通知，您承諾及同意立即向中銀人壽提交文件正本。
- 倘若您未能提供文件正本，或所提交之文件正本乃為虛假、偽造、或含欺騙成份，中銀人壽有權要求您退還有關賠款或更改理賠結果及於將來之理賠付款中扣回。 - 6. 中銀人壽不會承擔任何就延誤回覆或處理電子理賠服務的指示或查詢而產生的責任。
- 7. 中銀人壽只會接受和執行其認為切實可行和合理且符合其行政規則和程序的理賠指示或查詢。
- 8. 中銀人壽可在其認為合適的任何時候可按其唯一及絕對酌情權利，無需經您的同意及無論有沒有通知，隨時修改或刪除本條款及細則及/或引入新增條款及細則(或其任何部分)，並以中銀人壽認為合適的通訊方式通知您。如您繼續是電子保單服務的註冊用戶或在該條款及細則生效後使用電子保單服務或電子理賠服務，此等修訂對您具有約束力。
- 9. 本條款及細則受香港特別行政區法律所管轄，並按其詮釋及您同意接受香港法院的非專屬性司法管轄權。
- 10. 本條款及細則之中文版本只作參考，如英文版本與中文版本有任何歧異，一概以英文版本為準。
關閉
Terms and Conditions for e-Claims Service
- The e-Claims Service of BOC Group Life Assurance Co., Ltd (“BOC Life”) enables its existing policy owners to submit claims request or to make claims enquiry through eService.
- Before using the e-Claims Service, please read the following terms and conditions (“Terms and Conditions”).
- These Terms and Conditions are in addition and without prejudice to the terms and conditions of eService. In case of any inconsistency between these Terms and Conditions and the terms and conditions of using eService, the former shall prevail to the extent of such inconsistency or conflict so far as the e-Claims Service is concerned.
- If you do not agree to these Terms and Conditions, please do not use e-Claims Service. By using or accessing any part of e-Claims Service, you confirm you have read and agreed to the following terms and conditions:
- 1. All requests or enquires of e-Claims Service received by BOC Life through e-Claims Service on or before 12:00 noon ("Cut-off Time") on each Hong Kong business day excluding Saturdays, Sundays and Public Holidays and those business days when BOC Life is closed for business at the material time by reason of the fact that the typhoon signal no.8 or above and/or the black rainstorm warning signal are/is being hoisted on the day or part of the day ("Business Day") will normally be processed on the same day. BOC Life may in its sole and absolute discretion, refuse to accept or act on any request given by you through e-Claims Service if the request so given is, in the opinion of BOC Life, non-compliance with the administrative rules and procedures of BOC Life. Upon receipt of such requests or enquiries of e-Claims Service, our staff shall contact you as soon as practicable and assist you to complete the claim procedures.
- 2. If a request or enquiry of e-Claims Service is received on a day which is not a Business Day or is received by BOC Life after the Cut-off Time, it will be treated as if such request or enquiry was received on the next Business Day.
- 3. e-Claims Service is an additional service and BOC Life has the sole and absolute discretion to decide whether this e-Claims Service shall be regarded it as a substitute for other method(s) of delivering instructions or effecting transactions. In the event that the e-Claims Service is not available for any reason whatsoever (whether or not within the control of BOC Life), you shall have no claim whatsoever against BOC Life and shall use other available means which BOC Life considers appropriate and practical to deliver instructions or effect transactions.
- 4. All requests or enquiries of e-Claims Service once submitted by you may not be amended, cancelled or withdrawn. BOC Life shall have no obligations or duty to further verify the authenticity of any request or enquiry or the identity or authority of any person making such request or enquiry.
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5. “Waive original medical receipts”:
- It is applicable to hospitalization/ outpatient expenses incurred in Hong Kong with amount less than HK$20,000 (each receipt) submitted via eService. All original medical receipt(s) & bill(s) are required to be kept for at least 6 months from submission for BOC Life auditing.
- You are required to confirm the relevant Payment Advice is attached if it has been processed by other insurer(s).
- BOC Life reserves the right to request you to submit all original medical receipt(s) & bills(s) and supporting document ("the Original Documents") of the successfully processed electronic claim application during the retention period for the purpose of auditing.
- When you receive such a request from BOC Life, you undertake and agree to immediately submit the Original Documents to BOC Life.
- In the event that you fail to accede to such request or the submitted Original Documents are found to be untrue, fake or misleading, BOC Life reserves the right to request for a refund of the payment or reverse such payment against any future claims payment. - 6. BOC Life shall not be liable for any delay in replying to or handling the request or enquiry of e-Claims Service.
- 7. BOC Life will only accept and act on a request of e-Claims Service when it is in BOC Life’s opinion practicable and reasonable to do so and in accordance with its administrative rules and procedures.
- 8. BOC Life may, at any time and from time to time at its sole and absolute discretion, add, delete or revise these Terms and Conditions (or any part thereof) without your consent and with or without notice in such manner and by such means of communication as BOC Life shall deem fit and such revision shall be binding on you if you continue to remain as a registered user of eService or use the eService or e-Claims Service on or after the effective date thereof.
- 9. These Terms and Conditions are governed by and construed in accordance with the laws of Hong Kong Special Administrative Region (“Hong Kong”) and you agree to submit to the non-exclusive jurisdiction of the courts of Hong Kong.
- 10. The Chinese version of these Terms and Conditions is for reference only. In case of inconsistency of meaning between the English and Chinese versions of these Terms & Conditions, the English version shall prevail.
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