Please read these terms and conditions carefully as they apply to your use of this website ("Website"). By using this Website, you acknowledge your agreement to the following conditions of use without limitation or qualification. These terms and conditions may be revised at any time by updating this posting by Starr International Insurance (Asia) Limited whose registered office is at Room 1901, Central Plaza, 18 Harbour Road, Wanchai, Hong Kong (“SIIA”), or its affiliated or subsidiary companies (hereinafter collectively called “Starr"). The revised terms will take effect when they are posted. You are bound by any such revisions and should therefore periodically visit this page to review the current terms and conditions to which you are bound.

SIIA is an insurance company authorized to carry on business in the Hong Kong Special Administrative Region ("Hong Kong") under the Insurance Companies Ordinance, Cap 41.

By accessing this Website and/or using the services offered through this Website, you shall be deemed to agree that the laws of Hong Kong, including without limitation, the provisions of the Electronic Transactions Ordinance, Cap. 553, shall govern such access and the provision of such services; and you shall be deemed to agree to submit irrevocably to the exclusive jurisdiction of the courts of Hong Kong

Starr does not offer or sell any insurance product or other product or service in any other jurisdiction in which such offering or sale of such product or service is illegal under the laws of such jurisdiction. If any product or service is offered or sold by Starr in any jurisdiction in which such offering or sale is illegal (under the laws of such jurisdiction), such offering or sale shall neither be effective nor valid.

Unless otherwise expressly set forth in this Website, Starr does not make any representation that the materials in this Website are available or appropriate for use in any location outside Hong Kong, or that the products and services available through this Website comply with the laws of any country outside Hong Kong. Those who choose to access this Website do so on their own initiative and are responsible for compliance with local laws.

In the event that the jurisdiction you are in imposes restrictions on our products or services or does not permit access to the contents of this Website, you shall comply with such restrictions or forthwith discontinue access to this Website (as the case may be). Unless otherwise provided, Starr shall not be liable to any person in any way for accessing this Website.

All information contained in this Website shall only be used for information purposes only. You should not treat it as any advice given by Starr. Starr reserves the right to change any information of this Website without prior notice.

The information contained in this Website shall not in any event constitute an offer or invitation or solicitation to buy any security, insurance product or other product or service by Starr, nor a representation that any product described on this Website is suitable or appropriate for you, and no part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. You are advised to seek independent professional advice with respect to your personal situation. The information contained in this Website can only be seen as an invitation for you to make an offer to SIIA, whereby you are offering to purchase the insurance products or other product or services as provided by SIIA. Starr reserves the final right to decide whether or not to accept your offer

Starr shall not be responsible to you or anyone else for any costs, liabilities and losses whatsoever arising from the use of this Website, unless those costs, liabilities and losses are directly and proven to be caused by the fraud, gross negligence and/or deliberate false representation of Starr.

Except as otherwise expressly permitted by Starr, no materials from this Website or any Website owned, operated, licensed or controlled by Starr or its affiliates may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Website for public or commercial purposes, including the text, images, audio, and video without Starr's written permission. Starr neither warrants nor represents that your use of materials displayed on this Website will not infringe rights of third parties.

All trademarks, services marks, trade names, logos, and icons are proprietary to Starr. Nothing contained on this Website should be construed as granting, by implication, estoppel, or otherwise, any licence or right to use any trademark displayed on this Website without the written permission of Starr. Your use of the trademarks displayed on this Website, or any other content on this Website, except as provided herein, is strictly prohibited.

Images displayed on this Website are either the property of, or used with permission by Starr. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by Starr. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes which you shall be liable for.

You acknowledge that any software which may be available or provided to you on this Website may contain technology that is subject to strict controls pursuant to export control laws and regulations of Hong Kong and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. Starr does not authorize the downloading or exportation of any software or technical data from this Website to any jurisdiction prohibited by such export controls laws and regulations.

Whilst all reasonable efforts have been taken to ensure that the information set out on this Website is accurate, Starr makes no warranties, guarantees or representations, whether express or implied, as to the accuracy of the content of this Website and under no circumstances, including, but not limited to, negligence, shall Starr or any party involved in creating, producing, or delivering the Website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, reliance upon or otherwise arising in connection with any errors or omissions in such information on this Website or from the inability to use the materials on this Website.

This Website may be linked to other websites which are not maintained by Starr. Starr has no control over, does not assume any responsibility for and does not make any warranties or representations as to any third party content or websites, including but not limited to, the accuracy, subject matter, quality and timeliness. Nor does Starr make any warranties or representations or accept any liability in any way for the success or failure of any monies transmitted by you via this Website or any linked websites not maintained by Starr. By providing hyperlinks to other websites, Starr shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the service/products they provide on their websites, or have any form of cooperation with such third parties and such websites. Starr shall have no liability for third party content or websites linking to or framing this Website, nor shall Starr be liable for the loss or misappropriation of any monies transmitted via this Website or any linked websites not maintained by Starr, and any costs, demands claims, losses or expenses incurred by you in connection therewith.

Transactions conducted through the internet may be subject to interruption, blackout, delay or error. Starr shall not be responsible for any loss of, accuracy or timeliness of any messages sent or received or transactions conducted through this Website arising from or in relation to any malfunctions or leakage in communication facilities.

Starr does not warrant the absence of delays, failures, errors, omissions or loss in respect of any information transmitted through this Website. Starr also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the Website or your downloading of any materials, data, text, images, video, or audio from this Website. You shall have sole responsibility in protecting and backing up your 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.

Starr shall not be liable for any failure to carry out system instructions which are attributable, wholly or in part, to any cause beyond the control of Starr including but not limited to any equipment malfunction or failure. Under no circumstances shall Starr be responsible to you for any direct, indirect or consequential losses arising from or in connection with the carrying out or otherwise of your system instructions.

In using this Website you may provide Starr with “personal data” as defined in the Personal Data (Privacy) Ordinance (Cap. 486). By using this Website you acknowledge and understand and hereby consent to Starr using your personal data in accordance with its Privacy Policy (as may be amended from time to time) which is posted on this Website.