Commonwealth Broker

Commonwealth Broker Limited

We are committed to providing clients with comprehensive, personalized and efficient insurance solutions to meet their diverse needs in risk management, asset appreciation and wealth inheritance.

Long term Insurance

General Business

Investment Linked

At your service at all times

We are dedicated to providing quality service to our customers and hope you will share your feedback with us. Whether it is praise or complaint, we are happy to listen.

Commonwealth Broker Limited (abbreviated as "CWB") is committed to providing clients in Hong Kong with professional life insurance planning and consultancy services. Drawing on extensive industry experience and in-depth professional knowledge, the Company strives to tailor the most suitable insurance plans for each client, thereby supporting their financial security and future protection. This website brings together extensive industry information, market developments and professional analysis, and is intended to serve as an information platform for reference by industry professionals.

Please note that, owing to significant differences in laws and regulations across jurisdictions worldwide, certain life insurance products or related services may not be available in particular jurisdictions, or may not be suitable for the actual needs and use of local residents. To safeguard your interests, please read carefully our detailed terms and conditions before browsing this Website. These terms and conditions cover the rules governing use of the Website and include important matters such as our Privacy Policy and Terms and Conditions.

By accessing this Website, you represent that you possess the professional knowledge and ability to understand the relevant information and expressly agree, unconditionally, to comply with all of our terms and conditions. If, after reading them, you object to any term or do not agree to these terms and conditions, please immediately stop using this Website in order to protect the interests of both parties and avoid unnecessary misunderstanding or disputes. We sincerely hope that every user will use the services provided by this Website with confidence on the basis of having fully understood and accepted them.

Terms & Conditions

This Website is intended solely for reference by professionals and institutions. Members of the general public should consult a qualified adviser to obtain information about our services, products and areas of expertise. None of the information provided on this Website should be regarded as an offer, solicitation or intention to sell any financial or insurance product or service. It should not be regarded as tax, legal, investment, financial or insurance advice for any individual or corporation.

Please do not rely on the data and materials on this Website when making any wealth management or insurance decision. Persons seeking advanced planning solutions should consult a qualified adviser before taking any action, in order to assess whether their circumstances and wealth planning needs are suitable. Users should also independently verify the product information, premiums, coverage, exclusions and other important information set out on this Website and, where necessary, seek independent professional advice before making any decision to take out, surrender or replace an insurance policy, or any other insurance decision.

We do not guarantee that the products or services described on this Website are suitable for use in other regions. Individuals or entities in jurisdictions where local laws or regulations prohibit or restrict such products or services may not be able to use them. Before considering any transaction of this nature, please consult a professional to understand the laws and regulations applicable in your jurisdiction. Persons who use these products or services do so voluntarily and are solely responsible for complying with applicable local laws and regulations.

CWB may from time to time determine and change the scope and categories of this Website and the related services, including without limitation:
i. expanding, modifying or discontinuing all or any part of this Website or the related services at any time;
ii. setting and changing the limits on the use of this Website or the related services; and
iii. prescribing and changing the normal service hours during which this Website or the related services are provided.

CWB earns fees by receiving commissions from insurance companies. By entering into the relevant insurance transaction, you acknowledge and agree that CWB receives commissions from insurance companies; the specific commission arrangements may vary according to the insurance company, product or business category, and CWB will make the relevant disclosures in accordance with applicable laws, regulations and regulatory requirements.

We aim to provide up-to-date and accurate content on this Website. However, we do not warrant or guarantee the accuracy or timeliness of the information. CWB does not assume responsibility for keeping the content up to date and accurate. Information on this Website may be changed without notice. You use this Website and its content at your own risk. The text, images, charts, data, designs, trademarks, logos, service marks and other content on this Website may be protected by applicable copyright, trademark and other intellectual property laws. Visitors must not download, copy, transmit, publish, store, adapt, distribute or otherwise use such content without the prior written consent of CWB or the relevant rights holder.

The information published by CWB on this Website, and any response provided through an online enquiry, are for general reference only and are not binding unless CWB confirms otherwise in writing. You acknowledge and agree that the transmission of data or communications over the Internet involves inherent risks and may be subject to delay, omission, transmission error, interception, loss or other technical problems; to the fullest extent permitted by applicable law, CWB does not guarantee that such transmission will at all times be timely, complete, accurate, secure or uninterrupted. You use hyperlinks to other websites or resources at your own risk. CWB does not investigate, verify, monitor or endorse the content, accuracy, opinions or other links on those websites. CWB expressly disclaims any liability for the accuracy, content, availability or omission of information on websites linked to or from this Website. CWB emphasises that you should assess the risks associated with activities conducted through or on this Website, and that all such activities are undertaken at your own risk. CWB does not guarantee the security of any information that you send or are asked to provide to any third party. CWB shall not be liable for any loss or damage arising from your access to or interaction with any other website through this Website, and your access to or interaction with any other website through this Website shall be deemed an irrevocable waiver of any claim against CWB.

CWB may from time to time revise these Terms and Conditions and/or introduce additional terms and conditions. Any revision that materially affects the rights or obligations of users will be published on this Website and, so far as reasonably practicable, notified to users by appropriate means. Unless otherwise required by applicable law, the revision will take effect on the effective date stated in the notice. A user's continued use of this Website after the effective date constitutes acceptance of the revision.

Each provision of these Terms and Conditions is severable from the others. If at any time any one or more provisions are or become illegal, invalid or unenforceable in any respect under the law of any jurisdiction, the legality, validity and enforceability of the remaining provisions shall not be affected in any respect. Any act, delay or omission by CWB shall not constitute a waiver of any right, power or remedy under these Terms and Conditions. The rights and remedies provided under these Terms and Conditions are cumulative and do not exclude any other rights and remedies provided by applicable law.

In the event of any ambiguity, inconsistency or conflict between the Chinese and English versions of this Website, these Terms and Conditions or the Privacy Policy, the Chinese version shall prevail.

These Terms and Conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region. Users of this Website irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of the Hong Kong Special Administrative Region.

Commonwealth Broker Limited respects and is committed to protecting the privacy of users and you. Please read this Privacy Policy, which explains how we collect, use, process and share your personal data.

1. Definitions

In this Privacy Policy:

"Commonwealth Broker Limited", "CWB" and "we" mean Commonwealth Broker Limited.

"Platform" means the website, mobile applications and/or social media platforms operated by us, including but not limited to Facebook, WeChat and WhatsApp.

"you" or "user" means any person who browses and uses our Platform.

2. Acceptance of this Privacy Policy

Browsing and using our Platform constitutes your agreement to the terms set out in this Privacy Policy.

3. Collection of Personal Data

We collect your personal data through the following means, including but not limited to:

When you register on our Platform (including registering or logging in through a single sign-on (SSO) service) and provide personal data;
When you use our Platform, including browsing and using our website, social media platforms and mobile applications;
When you use our services, including chatbots and customer service;
When you subscribe to receive our latest news, we will ask you to provide your email address and/or mobile telephone number;
When you register an account for our services, we may ask you to provide your name, email address, telephone number and/or mobile telephone number;
When you register an account for our services and/or log in through a third-party social media platform login function (for example, the Google or Facebook login function), we may collect your email address and/or basic profile information (profile photograph and full name), as well as any other information that you expressly consent to our collecting;
When you request a quotation for certain products, we may ask you to provide information such as your age and income so that we can provide an accurate quotation;
When you contact us for support, provide us with feedback, take part in a voluntary survey, subscribe to marketing information, participate in our activities, take part in product research or training, or otherwise interact or communicate with us, we may ask you to provide your name, email address and/or telephone number and any other personal data that you choose to share;
When you use an application form on our services to apply for a product or service, we will collect information including but not limited to contact details, identification information and financial information;
When we conduct a "Know Your Client" process to comply with applicable regulatory requirements, we may collect your personal data to verify your identity and assess potential risks relating to financial information. This process is necessary to comply with applicable anti-money laundering laws and regulations and to prevent fraud. We will process the personal data collected in accordance with applicable data protection laws.
When you wish to add a child or family member to your application for a product or service, we may collect that family member's name and date of birth so that we can process the relevant application;
When you participate in activities on our Platform, we may ask you to provide your name, email address, the product applied for, the application reference number and/or the application date; and
When you request access to your credit information, we may ask you to provide personal data such as your name, mobile telephone number and identity document information, including your identity document number and other details stated on the identity document, as well as an identity document photograph, selfie photograph and/or facial recognition data, for identity verification and electronic Know Your Client (eKYC) purposes.

The personal data we collect includes but is not limited to your name, email address, telephone number, date of birth, gender, nationality, address, medical and health records, financial circumstances, your financial details including details relating to payment methods such as credit card and bank account details (when purchasing products), any information you enter in the forms on the Platform, your savings objectives, residential status, income, details of the product you are seeking (for example, loan amount), passport number, copies of your Hong Kong Identity Card or other identity documents and details (where required for purchasing products and/or providing your credit report or score), educational background, employment status, details of your employer or company, beneficiary details such as joint policyholders and minor beneficiaries (where required for purchasing products), family members (where required for purchasing products or using services), details of your property (where required for purchasing home insurance), travel details (where required for purchasing travel insurance), any information relating to the foregoing, and other information relating to our products and services. If you provide personal data on behalf of another person, you confirm that you are that person's parent or guardian, or that you have obtained that person's consent to provide his or her personal data to us for the purposes set out in this Privacy Policy.

The provision of personal data is voluntary. However, if you fail to provide the personal data requested, we may be unable to process your request or enquiry, or unable to provide products and services to you.

In addition, when you use our services, we may automatically collect certain information about how you access and interact with our services. When combined with your other information, such information may constitute personal data. We use automated technologies, such as "Cookies", web beacons and similar technologies, to help us provide you with the best possible service. When you access our services, our servers will record or track information sent from your browser. This may include, without limitation, the following information: characteristics of the device or equipment you use, such as the operating system, hardware version, device settings, software and device identifiers; device location, including specific geographic location identified through GPS signals or other means; connection data, such as the name of your mobile data operator, ISP or other service provider, browser type and IP address; the website from which you access our services; website pages previously viewed; details of the products and services you view on our services; data, tools and content you use on our services; time spent on our services; links you click on our services; quotations requested through our services; transactions conducted on our services and details of any payment made by you (including bank account and credit card details and identifiers for any other account); and any information relating to the foregoing.

We use Cookies to: provide you with a more personalised experience on our services; enable us to remember you when you next browse our services; allow you to access quotations you have previously saved and understand your browsing habits on our services; the more we understand which products interest you, the better we can provide you with tailored solutions, advertising suitable for your needs and other marketing information; and obtain information about the number of visitors to our services and the pages they have viewed.

In most cases, Cookies are deleted when you close your browser (these are known as temporary Cookies). However, permanent cookies will remain on your device until you delete them or they expire. By using the services, you agree to our use of Cookies. Use of this information will not disclose any of your personal data, and we will not otherwise collect, process or use any of your personal data for this purpose.

You may change your computer browser settings to block or delete Cookies. If you choose to block or delete the cookies of the services, you may be unable to access certain products or services, and the operation of the services on your system may be affected (for example, banner advertisements may not be displayed properly). If you have registered an account with us, disabling Cookies may mean that you need to enter your password more frequently while using our services.

4. Retention of Personal Data

We will not retain your personal data for longer than is necessary to fulfil the purposes for which it was collected (or any directly related purpose), and will comply with mandatory legal, regulatory and supervisory retention requirements.

When we no longer require your personal data or when your account is terminated, we will delete the data from our systems or anonymise it so that you can no longer be identified, unless we are required by law to retain it.

5. Purposes of Collection and Use of Personal Data

We may use your personal data for the following purposes:

To provide products and services to you;
To improve the products and services on our Platform;
To communicate with you and provide customer service to you;
To process your enquiries and requests;
To conduct surveys and data analysis;
To comply with legal or other legal and/or regulatory requirements, including any external or internal investigation;
To enforce our contracts or other lawful rights and remedies;
With your consent, to send you direct marketing offers and/or introductions to third-party products and services;
For any other purpose related to the foregoing purposes and any purpose stated at the time of collecting personal data.

6. Sharing of Your Personal Data

We may disclose your personal data to the following persons for the purposes set out above:

Our employees and directors;
Our advisers and other service providers, such as information technology and analytics service providers, data management providers, business advisers, legal service providers and marketing service providers;
Any legal, regulatory, governmental or law enforcement authority to which we are required, or which we consider appropriate, to make disclosure;
Our digital media advertising partners, with whom we share anonymised data;
Other third parties (with your prior consent), including insurance companies and insurance intermediaries.

7. Security of Your Personal Data

We may store your personal data in Hong Kong or overseas, including by using cloud storage services.

We will use all reasonable and practicable efforts to ensure that any personal data held by us is stored in a secure and reliable location and is accessible only by authorised personnel or authorised third-party service providers.

8. External Links

For the best service to our users, our Platform may contain links to websites not operated by CWB. If you visit those websites, you should review their privacy and/or other statements. CWB is not responsible for the policies and practices of other companies, and any information you submit to those companies will be subject to their privacy policies.

9. Access to and Correction of Personal Data

You have the right to:

Request that we provide a copy of your personal data, unless we are exempt from complying with a data access request;

After we have complied with your data access request, if you consider that your personal data is inaccurate, request that we make the necessary correction;
If we consider that the personal data is accurate, that the relevant request relates only to an expression of opinion, or that the proposed correction is inaccurate, we may refuse the data correction request.
We reserve the right to charge a reasonable fee for processing or correcting any data access request.

If you wish to obtain, amend or delete your personal data from our Platform, or if you have any question or comment about our Privacy Policy, you may contact us by email: cs@commonwealthbroker.com.hk

10. Updates to the Privacy Policy

We reserve the right to amend or update this Privacy Policy from time to time without prior notice. If we make changes to the Privacy Policy, we will publish the updated Privacy Policy on our Platform. We encourage you to review our Privacy Policy regularly on our website.

Last updated: October 19, 2026