Terms of Use

Please read these terms of use carefully as they apply to your use of this website. Your use of this website is conditional upon you agreeing to these terms of use and by using this website, you are deemed to agree to these terms of use without limitation or qualification. These terms of use may be revised at any time by AIG Insurance Hong Kong Limited (hereinafter called "AIG HK") updating this posting. The revised terms of use will take effect on the date when they are posted and will govern your use of this website from that date. Whenever you visit this website, therefore, it is advisable you check for any revisions to these terms of use.

For the purposes of these terms of use American International Group, Inc. and all its subsidiaries and affiliates (including AIG HK) shall be referred to collectively as “AIG”.

To the fullest extent permissible pursuant to applicable law, the materials on this website are provided as is and without warranties of any kind, either express or implied and AIG disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. AIG does not warrant that 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. AIG does 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. You (and not AIG) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained on this website 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; please refer to the actual insurance policy or the relevant product or services agreement for the applicable terms, exclusions and conditions.

This website maybe linked to other websites which are not maintained by AIG. AIG 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. By providing hyperlinks to other websites, AIG 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 websites. AIG shall have no liability for third party content or websites or websites linking to or framing the websites of AIG.

While AIG uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, AIG makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall AIG or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, aggravated, exemplary or punitive damages that result from the use of, or the inability to use, the materials on this website, even if AIG or its authorized representative has been advised of the possibility of such damages. In no event shall AIG total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.  AIG also assumes no responsibility, and shall not be liable for, any damages arising from, connected with or in any way related to, 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.

This website is owned and operated by AIG HK. Except as otherwise expressly permitted by AIG HK, no materials from this website or any website owned, operated, licensed or controlled by AIG HK 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 AIG HK’s written permission. Neither AIG HK nor AIG warrants or represents that your use of materials displayed on this website will not infringe rights of third parties.

AIG HK is an insurance company authorised to carry on general insurance business in and from Hong Kong. AIG HK is also licensed to carry on insurance in Macau.  The insurance policies, products and services referenced on this website are only available with the ambit of AIG HK’s authorisations and AIG HK does not (by having this website or at all) hold itself out as being able to provide products and services outside the remit of its authorisations. Unless otherwise expressly set forth herein, neither AIG HK nor AIG makes any representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with applicable laws. Except as expressly set forth herein, the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by AIG HK. No security, insurance product or other product or service is offered or will be sold by AIG HK or, if sold by AIG HK, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions. Anyone interested in a particular product should contact AIG HK to determine whether the product is available in their jurisdiction. 

Any information, other than personal data or information you transmit to AIG via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of AIG. Such information, other than personal data or information may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. AIG is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to AIG via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

In using this website you may provide AIG HK with "personal data" as defined in the Personal Data (Privacy) Ordinance. By using this website you grant AIG HK the consent to use and transfer your personal data in accordance with our Privacy Policy (as may be amended from time to time) which is posted on www.aig.com.hk.

All trademarks, services marks, trade names, logos, and icons are proprietary to AIG. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of AIG. 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 AIG. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by AIG. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

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 the United States of America 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. AIG 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. 

In the event of any ambiguity or inconsistency between the English and Chinese version of the Terms of Use and content of this website, the English version will control and prevail. 


These Conditions will be governed by the laws of the Hong Kong Special Administrative Region of the People's Republic of China (referred to in these terms of use as "Hong Kong"). Any disputes arising from these terms of use shall be subject to the exclusive jurisdiction of the Hong Kong Courts.