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.