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Terms & conditions

Terms & conditions

PLEASE READ THE FOLLOWING TERMS OF USE CAREFULLY BEFORE USING THIS WEB SITE.

Terms of Use

By using http://www.liuhongkong.com.hk (the "Site"), you acknowledge that you have reviewed, and agree to be bound by, the following terms of use. If you do not agree to these terms of use, do not use this Site.

This Site is owned and operated by Liberty International Underwriters ("LIU"), which is a trading name of Liberty International Underwriters Limited (No. 2400200), incorporated in Hong Kong.

The expressions "we", "us", "our" and "ours" when used herein mean LIU.  The expressions "you", "your" and "yours" when used herein include any company or business with which you are associated and on behalf of which you use this Site.

We reserve the right to change these terms of use at any time.  Amendments will take effect when posted on the Site.

No Offer to Sell / Solicitation

The Information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product or service. Product descriptions are provided only as a basic outline of the products and services available from LIUand are not intended to be comprehensive. Detailed information on any product or service is available upon request. For coverage specifically applicable to your business please contact your licensed insurance broker.

Insurance

All insurance is subject to the full terms, conditions, limitations and exclusions contained in the policy provided when the insurance is issued.

Warranty Disclaimer

The information contained in this Site is provided for general information purposes, and must not be used or reproduced for commercial purposes. To the extent permitted under applicable law, this Site is provided "as is" and "as available" and without warranties of any kind. To the fullest extent permissible under applicable law, LIU specifically disclaims all warranties, directly or indirectly, arising from or in connection with services provided on, or accessible from this Site, express or implied, including without limitation the warranties of merchantability, fitness for a particular purpose, and non-infringement. If, under applicable law, LIU is not permitted to exclude such provisions but is entitled to limit its liability, then LIU limits its liability to the maximum extent permitted under applicable law.

LIU makes no representation or warranty whatsoever regarding the completeness, accuracy, correctness, integrity, reliability, currency, adequacy, suitability, functionality, availability, or operation of this Site or the content or services provided on, or accessible from, this Site. LIU does not warrant that the operation of this Site will be uninterrupted or error-free, that defects will be corrected, or that this Site or the server that makes it available are free of viruses or other harmful components.

LIU assumes no responsibility, and shall not be liable for, any damages to your computer equipment or other property as a result of your access to, use of, or browsing in this Site or your downloading of any materials, data, text, images, video, or audio from this Site or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure.

Limitation of Liability

To the fullest extent permitted under applicable law, in no event will LIU or its related companies and associated entities be liable for any direct, indirect, special, incidental, or consequential damages arising out of or in connection with the use or inability to use this Site (or the content or services provided on, or accessible from, this Site), or otherwise, even if LIU has been advised on the possibility of such damages. Neither LIU, nor its related companies, will be liable for the completeness, accuracy, correctness, integrity, reliability, currency, adequacy, or suitability of the content or services provided on, or accessible from, this Site.

You will indemnify LIU and keep it fully indemnified against all liabilities, losses, actions, claims, proceedings, costs and damages (including any damages or compensation paid by LIU on the advice of its legal advisers to compromise or settle any claim) and all legal costs or other expenses arising from your breach of these terms of use or out of any claim by a third party based on any facts which if substantiated would constitute such a breach.

Links

Within this Site, you may see links or references to other web sites. When you click on one of those links, you may be transferred to another web site that is not under LIU's control. LIU does not endorse, and is not responsible for, the content (including software downloads), performance, accessibility, and privacy practices of any web sites linked to this Site. LIU encourages you to read the copyright, privacy and other legal statements of these linked web sites as their policies may differ from ours. You are solely responsible for any interactions you may have with such web sites.

Links to this Site should not be made without the permission of LIU. Please direct your linking request to: APEnquiry@libertyiu.com.

Changes and Availability

The information on this Site has been compiled from a variety of sources and is subject to change without notice. Like other web sites, this Site may be temporarily unavailable from time to time due to mechanical, telecommunication, software, hardware, and third-party vendor failures. LIU cannot predict or control when such down time may occur and cannot control the duration of such down time.

Monitoring

LIU reserves the right to monitor all activity on this Site and to notify the proper law enforcement officials if any suspicious activity is detected. The ways that we monitor this Site is explained in the Privacy Policy.

Governing Law and Forum

These terms of use shall be governed by and construed in accordance with the laws of Hong Kong, without giving effect to any principles of conflicts of law. If any provision of these terms of use is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms of use and shall not affect the validity and enforceability of any remaining provisions. Any controversy or dispute will be submitted, and by using this Site you are deemed irrevocably to consent, to the personal jurisdiction of the courts of Hong Kong, Special Administrative Region of the People's Republic of China.

No failure or delay by LIU in exercising any right or remedy provided by law under or pursuant to these terms of use shall impair such right or remedy or operate or be construed as a waiver or variation of it or preclude our exercise at any subsequent time and no single or partial exercise of any such right or remedy shall preclude any other or further exercise of it or the exercise of any other right or remedy.  LIU’s rights and remedies under or pursuant to these terms of use are cumulative, may be exercised as often as LIU considers appropriate and are in addition to LIU’s rights and remedies under general law.

Privacy

Your use of this Site is also subject to the terms of this Site's Privacy Policy. The Privacy Policy explains how we may collect, use and disclose any information that you may provide to us via this Site. 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 LIU’s Privacy Officer, at privacy.officer.ap@libertyiu.com.

Copyright and Trademark Information

All textual, graphical, and other content ("Content") appearing on this Site is the property of LIU, its related companies, or their respective licensors. All copyrights and other intellectual property rights in the Content of this Site are reserved to LIU and its licensors. The Site and its Content are provided for lawful purposes only.

You may use the Site's Content only as LIU expressly permits. None of the Content on this Site may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except that (1) you are permitted to print one copy only of each page of this Site solely to facilitate your making contact with members of the Liberty Mutual Group and (2) authorised insurance brokers may use the Site's Content for their internal business purposes. Any copying or other unauthorised use of the Site's Content other than as expressly permitted by LIU is a violation of these Terms of Use and will infringe the rights of LIU and its licensors under international treaty and Hong Kong law.

Liberty International Underwriters, Liberty Mutual and Liberty, including the trademarks set out below, are all registered trademarks of Liberty Mutual Insurance Company. All brand, product, service, and process names appearing on this Site are trademarks of LIU, its related companies, or as otherwise expressly specified. Reference to or use of a brand, product, service, or process does not imply recommendation, approval, affiliation, or sponsorship of that brand, product, service, or process by LIU. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise any licence or right under any patent, copyright, trademark, or other intellectual property right of LIUor any third party, except as expressly granted herein.


 

 
Liberty International Underwriters   Liberty


LIU. THE PEOPLE, THE PRODUCTS, THE CAPACITY
Last Updated October 2012.

 

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