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Internet privacy policy

1. Policy background

Welcome to http://www.liuhongkong.com.hk  (“Site”). This Privacy Policy is designed to tell you how we collect, use, and disclose the information you provide to us via this Site. By using this Site, you acknowledge that you have reviewed, and agree to, the terms of this Privacy Policy. If you do not agree to this Internet Privacy Policy, please do not use this Site. 

2. Scope of Internet Privacy Policy/links

This Internet Privacy Policy applies only to this Site. Although this Site may provide you with links to other web sites, such web sites are not covered by this Internet Privacy Policy. They are provided for your convenience and reference only. We assume no responsibility for any contents contained in those sites.  Inclusion in this Site of any links to any other website is not an endorsement or verification by us of the contents of those websites. We strongly encourage you to read the privacy policy of every web site you visit, including those web sites to which we may provide links. Whenever you link to a web site from this Site you are solely responsible for any interactions you may have with that web site.

3. Active information collection

You can browse our pages without having to tell us who you are or revealing any personal information whatsoever. However, at various points on this Site you might choose to actively provide information, including personally identifiable information, such as name, address, phone number, e-mail address. It is your choice whether to input this information. If you choose to give us the information via our web site, you specifically consent to the collection, use, and dissemination of such information in accordance with this Internet Privacy Policy.

4. Active information collection points on this Site include:

E-Mail Reply Mechanisms - This Site may provide you with one or more e-mail reply mechanisms through which you may send us questions or comments. Because e-mail submitted via this Site is not protected by the same security measures we use in other areas where we actively collect information, you should be particularly careful in deciding what information you wish to send to us via e-mail.

Question, Comment, and Feedback Forms - This Site may post a form for you to submit questions, comments, and other feedback. We use such information to improve this Site and our products and services as well as for marketing and research purposes.

Mailing List Subscriptions - This Site allows you to submit your email address to us to receive any future product updates and company bulletins. We will be careful to keep your email address secure. We will not make our mailing lists available to third parties, other than in accordance with this Internet Privacy Policy. If you wish to unsubscribe to any updates or bulletins, please contact us at APEnquiry@libertyiu.com and specify which updates or bulletins you do not wish to receive.

5. Passive information collection

We may use various technologies to passively collect information from you while you are visiting our Site. We do log non-personally identifiable general statistical information such as domain name, Internet Protocol (IP) address, and browser type. For example, we may use "cookies" - sets of information assigned to you by our web server when you visit our web site - only for maintaining information between pages. They are not used for storing or tracking personally identifiable information about visitors to our Site. If you wish, you can set your computer to decline cookies. However you are fully responsible for altering your browser software to do this.

We will update this Internet Privacy Policy when any new methods of active or passive information collection are introduced on this Site and shall request, whenever possible, your authorisation to add any mechanisms to improve your browsing experience in the Site.

6. Using and sharing information gathered

We may use information collected for a variety of purposes, such as to administer and customise the Site, provide policy quotes, administer insurance policies, answer questions or concerns, compile statistics for marketing and research purposes. We may share information about you with third parties (including other members of the Liberty Mutual Group) in the normal business of conducting insurance operations, such as providing you with an insurance quote, processing, servicing, administering your insurance policy and claims, our business administration and when required by law.

We may use your information to tell you about new products and services or other information we think may be of interest to you. If you do not wish to receive such notifications or updates, please contact us at APEnquiry@libertyiu.com and specify which notifications or updates you do not wish to receive.
Notwithstanding anything to the contrary in this Internet Privacy Policy or elsewhere on this Site, we reserve the right to share or transfer any and all of your information to another person or company in connection with the sale, assignment, or other transfer of the business of this Site and/or LIU or where required by law. By submitting your personal information to us, you consent to us transferring this information to LIU’ data centres in Australia or the United States for storage.

Except for the uses specified in this Internet Privacy Policy, Liberty International Underwriters will not otherwise sell, trade, lease, or rent your personally identifiable information to third parties.

7. Data security

Although we take reasonable steps to protect personally identifiable information you provide via this Site from loss, misuse, or unauthorised alteration, no system is 100% secure or error-free. Therefore, we do not, and cannot, guarantee the security or accuracy of the information we collect via this Site, and you acknowledge that you are assuming the risk in transmitting any information to us.

Access to the servers of this Site is limited to LIU’s employees, agents and contractors, who are required by our guidelines to preserve the confidentiality of and not to disclose without authorisation any user information in the course of performing their duties and conducting our business.

8. Information access

If you wish to update or otherwise correct personally identifiable information you have provided to us, you may contact us as described below in the "Contact Us" section. We may, in our discretion, refuse to allow you access to certain information if, in our view, to do so would jeopardise another person's privacy, or would violate any applicable national, local, or foreign law, regulation, or directive.

9. Contact us/enforcement of this Internet Privacy Policy

If you have any enquiries, concerns or complaints about your privacy rights, the information practices of this Site, potential breaches, access to and correction of your personal information we hold, or other privacy matters related to this Site, please direct them to our Privacy Officer, at privacy.officer.ap@libertyiu.com.

10. Changes to this Internet Privacy Policy

If this Internet Privacy Policy changes, the revised policy will be posted here and the date of the newest version will be posted above.  Please check back frequently, especially before you submit any personally identifiable information at this Site, to see if the Internet Privacy Policy has changed.


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Copyright 2018 Liberty International Underwriters

Liberty International Underwriters, known also as LIU or Liberty, is a trading name of Liberty Mutual Insurance Company (ABN 61 086 083 605) incorporated in Massachusetts, USA (the liability of members is limited); Liberty International Underwriters Limited (No. 2400200), incorporated in Hong Kong and Liberty International Underwriters Pte Limited (UEN 201538069C), incorporated in Singapore with a branch in Labuan (Reg. No. LF12903), licensed to carry on general insurance business under the Labuan Financial Services and Securities Act 2010, Lic. No. IS2016162 (together LIU).

We are not authorised to provide financial product advice. Accordingly, the information on this website does not take into account your objectives, financial situation or needs. Always consider the applicable policy wording and other relevant disclosure documents before deciding to acquire a financial product.

 

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