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Terms and Conditions for eService

1. Definition

“eService” means the services provided by BOC Group Life Assurance Company Limited (“BOC Life”) to you from time to time through this website and other ancillary services in connection therewith, if any.

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.

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.
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.

4. User ID and Internet Security

4.1 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.
4.2 Any instruction given by the use of your password is valid and binding on you.
4.3 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 4.1.
4.4 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.
4.5 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.

5. 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.

6. Online Instructions

6.1 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.
6.2 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.

6.3 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.

7. Disclaimer

7.1 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.
7.2 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.

7.3 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.

7.4 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.
7.5 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.
7.6 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.
7.7 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.

8. 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.

9. Copyright and Trademarks

9.1 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.
9.2 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.

10. 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.

11. 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.