MAIDSAFE INSURANCE
Highlights Coverage & Benefits Premium Policy Terms Exclusions Application Form		MaidSafe Insurance - Application Form This insurance is underwritten by: Blue Cross (Asia-Pacific) Insurance Limited Hints on use of online transaction procedure: Do not open more than one browser. Do not use the [BACK] button of the browser. Please call Tel. 25987660 for technical support if required. Some Important Matters To Observe : Plan A is designed to meet employers' legal obligations under the Employees' Compensation Ordinance. This plan applies to all domestic helpers including part-timers. The name of the insured helper is NOT required on the application. Plan B and Plan C apply to full-time overseas helpers only. The outpatient benefit, hospital and surgical benefit, loss of service cash allowances, and dental benefit under the basic protection are subject to a 15-day waiting period from the effective date of the basic protection. Outpatient benefit, hospital and surgical benefit under Optional Major Disease Protector - Gold, and Optional Major Disease Protector - Diamond are subject to a 15-day waiting period from the effective date of the optional rider. The payment term of the optional rider should correspond to that of the basic protection. A minimum premium of HK$300 annually will be charged if the basic protection is cancelled. A minimum premium of HK$100 will be charged if the optional rider is added or cancelled. All plans are available to domestic helpers aged 18 to 60 at the time of application. Policies are renewable for domestic helpers up to the age of 65. Coverage provided by this insurance plan applies to insured events occurring within the Hong Kong Special Administrative Region only. Each policy is applicable for only one insured domestic helper. Only Visa or MasterCard will be accepted to be settlement for the purpose of online credit card payment under this online insurance application. If discrepancy exists between the English version and the Chinese version, the English version shall prevail. Agent Code: A-4803 * Fields must be filled in. (This form must be filled in English) Employer Name of Applicant (Employer) * Mr Ms Mrs Miss Last/Family *   First/Given * H.K.I.D. Card /Passport No. * Contact Telephone No. * Fax Email Address* Correspondence Address * Hong Kong (HKSAR), China Policy Effective Date (Policy effective date is subject to Company's underwriting acceptance) * From Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 2009 2010 Coverage Plan A For all Domestic Helpers including part-timers Plan B For Overseas Domestic Helpers only Plan C For Overseas Domestic Helpers only 1-year Premium HK$ 350 2-year Premium HK$ 630 1-year Premium HK$650 1-year + Optional Rider: Optional Major Disease Protector - Gold Premium HK$850 1-year + Optional Rider: Optional Major Disease Protector - Diamond Premium HK$970 2-year Premium HK$1170 2-year + Optional Rider: Optional Major Disease Protector - Gold Premium HK$1530 2-year + Optional Rider: Optional Major Disease Protector - Diamond Premium HK$1746 1-year Premium HK$750 1-year + Optional Rider: Optional Major Disease Protector - Gold Premium HK$1000 1-year + Optional Rider: Optional Major Disease Protector - Diamond Premium HK$1130 2-year Premium HK$1350 2-year + Optional Rider: Optional Major Disease Protector - Gold Premium HK$1800 2-year + Optional Rider: Optional Major Disease Protector - Diamond Premium HK$2034 The Overseas Domestic Helper (Applicable for Plan B & Plan C Only) Name of Overseas Domestic Helper* Mr Ms Mrs Last/Family *   First/Given * Nationality (except HK/China)* Please selectedHK/Chinaother, as specified Others, please specify: H.K.I.D. Card / Passport No.* Date of Birth (MM/DD/YYYY ) * Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Place of Employment* Same As Correspondence Address Hong Kong (HKSAR), China Declaration I/WE, HEREBY DECLARE AND AGREE THAT: The information and particulars provided on this application form are accurate, true and complete and are given to the best of my/our knowledge and belief. I/We have not withheld any material information and accept that this application and declaration shall form the basis of the contract between Blue Cross (Asia-Pacific) Insurance Limited (the "Company") and me/us. I/We hereby acknowledge that failure to supply true and accurate answers to this application or inform the Company of all material Information about my/our application may render the Company unable to accept or process this application, or may render the insurance policy void. The insurance coverage applied for shall only take effect when this application has been accepted by and the first premium has been paid to the Company. I/We have never had any new application/renewal policy declined, nor have special terms and conditions been imposed on a similar application or renewal for domestic helper insurance submitted by me/us. I/We have obtained all necessary authorisation from my/our insured helper(s) to provide the information requested on this application and to deal with, receive or request for information from the Company concerning the insured person(s) in relation to any matters arising from the policy issued pursuant to this application. I/We further acknowledge that the insured person(s) has/have been explicitly informed 1) that his/her/their personal data will be transferred to the Company for the purpose of this application and 2) of his/her/their rights under the Personal Data (Privacy) Ordinance. The domestic helper(s) employed by me/us is/are in good health and has/have never been diagnosed or treated for heart diseases, cancers, cysts, tumours, or carcinoma in situ and is/are not suffering from any physical defect or infirmity and will not engage in any hazardous activities. I/We shall provide full details in written notice to the Company should there be any changes in the employment of the domestic helper(s) or in the condition of the said domestic helper(s). Personal Information Collection Statement I/We understand and agree that any personal information collected or held by the Company (whether contained herein or otherwise obtained verbally or in writing) may be used, stored, disclosed or transferred (within or outside Hong Kong) to any individuals/organisations associated with the Company or to any third party as the Company may consider necessary including any other company carrying on insurance or reinsurance related business, any intermediary, claims investigator, medical facilities, other service providers relevant to insurance business, professional advisor, government authority or industry association/federation for the purposes of: (1) processing this application/request and provision of insurance or financial related product or service or any addition, alteration, variation, cancellation, renewal or reinstatement thereof; (2) any scope of insurance coverage, claim processing, investigation, or analysis and data matching; (3) promotion of financial products or services by the Company and its affiliated companies; (4) communicating with me/us/the insured or any relevant organisation/person as the Company considers appropriate; and (5) meeting any disclosure requirements imposed by law or court order or pursuant to guidelines issued by regulatory or other relevant authorities. I/We have the right to access and to request correction of any personal information concerning myself/ourselves held by the Company. I/We understand that if I/we do not want my/our personal information to be used for purpose (3) above, I/we may notify the Company at any time. Such request(s) or notice(s) can be made in writing to the Company's Corporate Data Protection Officer at 29th Floor, BEA Tower, Millennium City 5, 418 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong. Terms and Conditions - Use of The Website 1. General Information (a) The following Terms and Conditions - Use of The Website, is for you, the Users (referred as "the User" thereafter) to agree to be bounded by when accessing and/or using the websites, e.g., www.insurance.net.hk and affiliated sites, e.g., www.travel.com.hk, www.insurance.com.hk, (each website and sub-website is individually and collectively referred to as "the Website") that contain, without limitation, materials, contents, data, insurance products and services shopping facility and information which may be offered from time to time by Auspharm Trading (H.K.) Limited (referred as "the Company" thereafter). (b) User's access and/or use of the Company's Website is expressly conditioned on the User's acceptance of All Terms and Conditions contained in this Agreement. By accessing and/or using the Website of the Company, the User signifies the User's assent to All Terms and Conditions. If the User does not agree with any of All Terms and Conditions, the User must not access and/or use the Website of the Company. (c) Words and terms used in All Terms and Conditions importing the singular include the plural and vice versa and words importing one gender include all genders. (d) The Company may change All Terms and Conditions from time to time without prior notification to the User. By continuing accessing and/or using this Website, the User implies agreement to the latest All Terms and Conditions. Continued access and/or use of the Website after such changes shall constitute the User's consent to such changes. (e) The Company may, at any time and at its sole discretion and without cause or notice, terminate or restrict any User's access to and/or use of the Company's Website or refuse to give effect to any purchase, insurance transactions requested and/or initiated by any User without being required to give any reasons or advance notice. (f) If the User has any questions about All Terms and Conditions, please contact the Company for clarification. 2. Use of the Website (a) The User shall access and/or use this Website only for the purposes of discovering insurance products and services; and making purchases of insurance products/services from the Company, offered from time to time by the Company. No part of this Website nor any of its materials, contents, data and information shall be exploited by the User commercially or used for any speculative, fraudulent mischievous, unlawful or prohibited purpose whatsoever, including but not limited to re-sale of goods, products and information as provided by the Company. 3. Accuracy of Information (a) The Company does not endorse or recommend any particular insurance service provider, and/or products and services. The Company has taken reasonable care that the content of this Website, including but not limited to, all insurance information and listings are correct but are subject to amendment at any time without notice. The Company publishes such information in good faith. As User you acknowledge and accept that the Company cannot and has not completely checked the accuracy of all information provided by insurance service providers such as insurance companies. The User should make her/his own evaluation of the accuracy or completeness of any information, opinion, advice or other content available through the Website. 4. Termination (a) The Company reserves the right at any time at its sole and absolute discretion and without notice to revoke the right of any User to access and/or use the Website . The User agrees that the Company, in its sole discretion, may terminate the access and/or use of the Website, cancel the User's purchases of insurance products/services from the Company, and remove and discard any materials, contents, information, online transaction facility within the Website for any reason, including, without limitation, for lack of access and/or use or if the Company believes that the User has violated or acted inconsistently with All Terms and Conditions of this Agreement. The Company may also in its sole discretion and at any time discontinue providing the Website, or any part thereof, with or without notice. (b) The User agrees that any termination of the User's access to and/or use of the Website under any of All Terms and Conditions of this Agreement may be effected without prior notice, and User acknowledges and agrees that the Company may immediately bar any further access to any files or use the Website. Further, the User agrees that the Company shall not be liable to the User or any third-party for any termination of the User's access and/or use of the Website and the consequences thereafter. 5. Exclusion of Warranty (a) The access, content, data, facility and other features of this Website (referred to as the "Features" thereafter) are provided by the Company for the User's personal viewing and convenience. No warranty is made, whether express or implied, with respect to the accuracy, reliability, merchantability, fitness for a particular purpose, title or non-infringement of the Features and the Company does not warrant that the Website, the server, the software, the computer equipment or other facilities used will be free from viruses or harmful components or that the Features will operate in an uninterrupted or error-free manner. The Company disclaims any and all implied warranties relating to the provision of the Features. 6. Disclaimers and Limitation of Liability (a) The Company and its officers, directors, employees and agents, shall in no event, be liable for, any damages to, or viruses that may infect the User's computer equipment or other property on account of the User's access and/or use of the Website or the User's downloading of any materials, contents, data, text, images, video or audio from the Website. (b) In no event shall the Company and its officers, directors, employees and agents be liable for any injury, loss, claim, damage, or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including but not limited to loss of profits or lost savings), whether based in contract, tort, strict liability, or otherwise, which arises out of or is in any way connected with (1) the use of or reliance on the Website or any of its contents, (2) failure or delay to update the data or presentation of inaccurate or corrupt data at the Website, (3) any access and/or use of the Website or Features found herein, (4) any failure or delay (including, but not limited to the access and/or use of or inability to access and/or use the Website, any component of this Website), or (5) the performance or non-performance by the Company and its officers, directors, employees and agents even if such party has been advised of the possibility of damages to such parties or any other party. 7. Indemnification (a) The User shall defend and indemnify the Company and its officers, directors, employees and agents from and against any damages, claims, cause of action or demand, including without limitation reasonable legal and accounting fees, brought by or on the User's behalf or by third parties as a result of the User's access and/or use of the Website. 8. Governing Laws (a) This Agreement shall be governed by and construed in accordance with the laws of Hong Kong Special Administration Region (HKSAR), without giving effect to any principles of conflicts of law. Those Users who choose to access and/or use the Website from other geographies and locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. Except for equitable relief sought by the Company, which may be sought in any court of competent jurisdiction, the User consents to the exclusive jurisdiction of the Hong Kong Special Administrative Region courts. 9. Ownership, Copyright and Trademarks (a) The Website is designed and created exclusively by the Company. The contents and the online insurance product or transaction facility provided and offered from time to time on this Website are owned by the Company. Unauthorized use is strictly prohibited. All titles, trademarks, trade names, brands, logos, ownership rights and intellectual property rights, including copyright, rest with the Company. (b) The User shall not at any time and/or by any means copy, reproduce, distribute, sell, transfer, republish, store, archive or use other than as intended at this Website with or without alteration or modification, any of the works, designs, contents, trademarks, trade names, brands and logos without the prior written permission of the Company. 10. Links to Third Party Websites (a) This Website may contain hyperlinks to their third party websites for convenience only. These third party websites are not maintained by the Company and the Company is not responsible, nor does it control the contents and information of such third party websites. The aforesaid hyperlinks do not imply any association with or endorsement by the Company of the publishers of the third party websites or their products and/or services offered. 11. Notes, Notices and Disclaimers (a) Notes, notices and disclaimers are posted throughout the Website so as to ensure that the User is duly notified and reminded of the User's obligations upon using the Website or making insurance transactions at the relevant time. Unless otherwise expressly stated, in accepting All Terms and Conditions, the User is also deemed to have been notified and to have accepted and consented to the terms and conditions stipulated in the said notes, notices and disclaimers. 　 Terms and Conditions - Online MaidSafe Insurance Application 1. General Information (a) Online MaidSafe Insurance Application (referred as the "DHPI" Application thereafter) is an Internet-enabled platform (referred as the "General Insurance Website" thereafter) provided by Auspharm Trading (H.K.) Limited (referred as the "Company" thereafter) through the Company's Website to enable you, the Customer (referred as the "Customer" thereafter), to apply and purchase DHPI timely and conveniently no matter whether you are at home or on a journey away from Hong Kong. The complete application and purchasing procedures should only take a couple of minutes. When you make an application for your DHPI on the Company's Website, you will be offered this innovative personalized service by the company, as an insurance agent for the Insurance Companies, their underwriters, and their service vendor/provider on the Company's Website. You need to fill in and complete the necessary details truthfully and accurately on the DHPI application form. If you pay the full insurance premium online using your valid credit card, your DHPI Application should be automatically approved by the Insurance Companies, their underwriters, and their service vendor/provider concerned. Instantly, you will obtain your DHPI policy document on your computing equipment. Thereafter, you should be fully covered from the insurance products you chose. In addition, to assure full convenience for the Customers, it is NOT necessary for the Customers to make any pre-registration prior to applying and purchasing the offered DHPI online. The following Terms and Conditions - Online DHPI Application, without limitation, carries out the Customer's obligations when making DHPI Application. Customer's use of the Company's DHPI Application Website is additionally subject to the following other Terms and Conditions, namely: - Terms and Conditions - Use of The Website - Terms and Conditions - Online MaidSafe Insurance Application - Terms and Conditions - Privacy Policy (all the above mentioned Terms and Conditions are collectively referred as "All Terms and Conditions" thereafter). (b) The Company acts only as an insurance agent for the concerned Insurance Companies, their underwriters, and their service vendor/provider for their DHPI product that are available for application and purchase by the Customers. The Company makes no warranty of any kind regarding the DHPI products and the DHPI Application. This General Insurance Website and or any materials and contents provided on this Website, all of which are provided on as "As Is" basis. The Company do not warrant the accuracy, completeness, currency or reliability of any of the materials, contents or data provided through the General Insurance Website or found on this DHPI Application. The Company expressly disclaim all warranties and conditions, including implied warranties and conditions of merchantability, fitness for a particular purpose and non-infringement, and those arising by statute or otherwise in law or from a course of dealing or usage of trade. (c) The Customer acknowledges that some of the materials and contents accessible through this General Insurance Website is provided by third parties and the Company is not responsible for those third parties or the goods or services they offer. Customer's use of this DHPI Application and/or the Company's General Insurance Website is expressly conditioned on the Customer's acceptance of All Terms and Conditions. By using the DHPI Application of the Company, the Customer signifies the Customer's assent to and is bounded by All Terms and Conditions. If the Customer does not agree with any of All Terms and Conditions, the Customer must not use the DHPI Application of the Company and/or the Company's General Insurance Website. (d) The Customer is financially responsible for all uses of the DHPI Application and/or the General Insurance Website provided by the Company regardless whether the Customer is actually using them by herself/himself, or by any third parties including but not limited to minor or children, with or without the knowledge of the Customer at the time of using the DHPI Application and/or the General Insurance Website. (e) Insurance Companies, their underwriters, and their service vendor/provider impose different terms and conditions on the sale of specific general insurance products and related insurance products featured on this Website. The Customer should carefully read the information on their (that is, Insurance Companies, their underwriters, and their service vendor/provider) brochures, coverage, schedule of benefits, terms and conditions, as well as exclusions, important rules, and claim procedures specific to the general insurance products and related insurance products before making and finalizing the DHPI Application. (f) Words used in All Terms and Conditions importing the singular include the plural and vice versa and words importing one gender include all genders. (g) The Company may change All Terms and Conditions from time to time without prior notification to the Customer. By continuing using this DHPI Application and/or the General Insurance Website, the Customer implies agreement to the latest All Terms and Conditions. Customer's continued use of the DHPI Application and/or the General Insurance Website after such changes shall constitute the Customer's consent to such changes. (h) The Company may, at any time and at its sole discretion and without cause or notice, terminate or restrict any Customer's access to this DHPI Application or the Company's General Insurance Website or refuse to give effect to any application or purchase of general insurance requested by any Customer without being required to give any reasons or advance notice. (i) If the Customer has any questions about All Terms and Conditions, please contact the Company for clarification. 2. General Insurance Products (a) The general insurance products available on the Company's General Insurance Website include, but not limited to general insurance products and insurance related products offered by the Insurance Companies, their underwriters, and their service vendor/provider approved by the Company. For examples, MaidSafe Insurance, Homesafe Plus Insurance and Travel Insurance by Blue Cross (Asia-Pacific) Insurance Limited. These Insurance Companies, underwriters, service vendor/provider are owned and operated independently, and therefore, the Company cannot ensure that the Customer will be satisfied with nor shall the Company be liable in any way for any loss or damages by the Customer of their insurance policies, products, services or business practices. (b) All the materials and information found and/or shown on this DHPI Application and/or General Insurance Website, including but not limited to the brochures, coverage, schedule of benefits, terms and conditions, as well as exclusions, important rules, and claim procedures specific to the general insurance products and related insurance products are provided to the Customer for reference purpose only. All general insurance products offered to the Customer for application and/or sales are subject to availability, acceptance, confirmation, fulfillment, denial, cancellation and/or postponement of such general insurance products solely at the discretion of the Insurance Companies, their underwriters, or their service vendors and providers concerned. 3. Application of MaidSafe Insurance (DHPI) (a) All DHPI must be applied for and approved before the commencement or during the validity period of an employment contract between the applicant and his/her domestic helper. (b) The Customers (insurance applicants) must have a proper residential accommodation in Hong Kong Special Administrative Region (HKSAR or referred as "Hong Kong" thereafter). The address must be a valid residential address. Typical examples of invalid address are post office box address, email address, hotel address, etc. The country of the Customers' and/or applicants' addresses must be Hong Kong. (c) The Customer must be responsible for the truthfulness and accuracy of the information provided when applying a DHPI. The Company is not responsible for any untrue and inaccurate information provided by the Customer. The Customer must rectify any untrue and incorrect information of the DHPI Application and be liable to damages arising from the inability of rectification of such untrue and incorrect information. (d) In the event of DHPI Application and/or the General Insurance Website are not available due to whatever reasons such as the requested general insurance product does not have an online credit card payment option, or the insurance policy document cannot be issued by the Company online, the Customer should not proceed further. The Customer may choose to contact the Company by phone or by email or by fax to make further enquiries. 4. Coverage and Benefits (a) The various details and/or plans of the general insurance products, their coverage and respective benefits are solely responsible and independently provided by the Insurance Companies, their underwriters, and their service vendor/provider. These details and/or plans are generally available on our Company's General Insurance Website for the Customer's reference. (b) In making an application for DHPI by the Customer through the Company's General Insurance Website, the Company merely provides an online platform on the Internet for the Customer to apply for general insurance and cannot be held responsible for coverage and benefits, premium, claims, misinformation or mishandling of general insurance by the Insurance Companies, their underwriters, and their service vendor/provider concerned, and/or any other dissatisfaction or complaint of the Customer to the quality, terms and conditions, exclusions, etc. of the general insurance provided by the Insurance Companies, their underwriters, and their service vendor/provider concerned or otherwise howsoever. In the event of claims, disputes, misinformation or mishandling by the Insurance Companies, their underwriters, and their service vendor/provider, or any other dissatisfaction or complaint aforesaid, the Customer should take up the matter directly with the Insurance Companies, their underwriters, and their service vendor/provider concerned. (c) The Company accordingly accepts no responsibility or liability for any misunderstanding or error, whatsoever and howsoever caused, in respect of any application made. The onus rests on the Customer to read the brochure, coverage and benefits, premium, terms and conditions, exclusions and claims procedure in associated with the Insurance Companies, their underwriters, and their service vendor/provider concerned and ensure your application abides by these, to carefully check and correct any mistakes in the Customer's DHPI Application and in any confirmation and/or insurance policy document thereof received from the Insurance Companies, their underwriters, and their service vendor/provider concerned via the Company. 5. Premium Prices and Currency (a) The insurance premiums published on the Company's General Insurance Website are subject to change from time to time and without prior notice by the respective Insurance Companies, their underwriters, and their service vendor/provider. The DHPI application form constitutes a request only and the Company does not guarantee the premium amount until the DHPI Application has been confirmed by the Company and approved by the Insurance Companies, their underwriters, or their service vendor/provider concerned. Insurance product availability, premium and coverage and benefits for any general insurance products can change at any time by the Insurance Companies, their underwriters, or their service vendor/provider concerned. Any additional costs will be advised to you when the Customer's DHPI Application is confirmed. (b) The supported billing and payment currency for the premium of the DHPI is Hong Kong Dollars. The Company will bill the Customer in Hong Kong Dollars and the Customer will pay the Company with Hong Kong Dollars. (c) The Company does not impose handling fees in the processing of DHPI Application made by the Customer except for insurance policy document delivery charge when requested by the Customer (please see Clause 7 (c) below). 6. Payment of Premium (a) The amount of premium required for a DHPI Application depends on a number of factors, including but not limited to, the specific type (plan) of general insurance product, the range of insurance coverage and benefits, the duration of coverage, the number of insured persons, etc. The Company will advise the Customer of the required premium either interactively via the General Insurance Website or via phone/email/fax as appropriate after an DHPI Application is made. (b) Payment of premium for a DHPI Application may be made by online payment method only. The Customer must make payment IN FULL for the premium of the DHPI Application, including but not limited to the insurance applicant, and any other persons insured under the same DHPI Application. DHPI policy document will NOT be issued before full payment of premium is received by the Company. (c) The Company only accepts a valid credit card which belongs to the Customer who is the main insurance applicant of the DHPI Application. The reason for this is to protect our customers from any potential frauds associated with the purchasing of general insurance products on the Internet. (d) If the Customer fails to make full payment, the DHPI Application will be automatically rejected, rescinded and cancelled. 7. MaidSafe Insurance (DHPI) Policy Document Collection (a) Only those general insurance products that accept full payment of premium by means of a valid credit card online will have their insurance policy document to be instantly available to the Customer on his/her computer equipment after full payment of premium and approval of the DHPI Application by the Insurance Companies, their underwriters, and their service vendor/provider. The insurance policy document can be printed on the Customer's printing equipment using A4 stationery or may simply be saved on the disk storage media of the Customer's computing equipment for subsequent retrieval or printing. However, the Company is not responsible for the Customer's failure of printing the insurance policy document or the Customer's loss of the insurance policy document. (b) An electronic copy of the insurance policy document will also be maintained on the Company's Website. This electronic copy may be accessed by the Customer later. The retention period of this electronic copy of insurance document will be determined by the Company from time to time. When the retention period expires, the electronic copy of the insurance policy document will be deleted from the Company's Website without any prior notice given to the Customer. (c) For those general insurance products that do not accept payment of premium via credit card online, the physical insurance policy document will be made available to the Customer which should collect it at the Company's office in Hong Kong (after full payment of premium and approval of the General Insurance Application by the Insurance Companies, their underwriters, and their service vendor/provider). Alternatively, the Customer may request the Company to deliver the insurance policy document to a designated address at an extra administration and delivery charge. The Customer should call the Company and request for the appropriate delivery arrangement after making a general insurance application in a conventional trade practice. (d) If the Customer chooses to request the Company to deliver the insurance policy document to a specified address, the Customer must be responsible to provide and verify the correctness of the address. The Company is not responsible for the correctness of the address for the insurance policy document delivery. Further, any delay, loss or damage that may occur during the delivery of the insurance policy document by the delivery service provider is at the sole risk of the Customer and it is not the responsibility of the Company. (e) The Company requires adequate lead time to arrange delivery of the insurance policy document to Customers who choose the option for the Company to forward to them the insurance policy document by post, express delivery or other specified modes of transportation or transmission. The Company will not assume any responsibility nor guarantee that the purchased insurance policy document will be able to be received by the Customers who choose not to collect their insurance policy document at the Company's office in Hong Kong. Therefore, it is pertinent that the Customers should allow ample lead time for making an offline or non-online insurance application. Further the Customers will assume full risk if they request the delivery of their purchased insurance policy document to their specified point of collection. 8. Refund (a) The Company will not make refunds in any circumstances. 9. Exclusions and Claims (a) It is the Customer's responsibility to comply with the terms and conditions specified by the Insurance Companies, their underwriters, and their service vendor/provider concerned. Failing to meet the terms and conditions specified by the Insurance Companies, their underwriters, and their service vendor/provider concerned will expose the Customer to the risks of non-coverage under the Customer's acquired DHPI. (b) If the Customer fails to comply with any of the terms and conditions specified by the Insurance Companies, their underwriters, and their service vendor/provider, the Company will not be held responsible or liable to, including but not limited to, any refund of premium paid, either in whole or in part, any claims of benefits under the coverage of the concerned DHPI, etc. hereafter made by the Customer. 10. Disclaimers and Limitation of Liability (a) The Company does not and cannot warrant the use of the Company's General Insurance Website will be uninterrupted, error free or virus free. (b) The Company does not and cannot warrant the accuracy of information, availability and/or quality of products and/or services provided by the Insurance Companies, their underwriters, their service vendor/provider and the delivery service provider. (c) The Company, the Company's employees, the associates or affiliates of the Company, the Insurance Companies, their underwriters, and their service vendor/provider assume no responsibility, and shall not be liable for, any damages to, or viruses that may infect the Customer's computer equipment or other property on account of the Customer's use of the General Insurance Website or access to this Website or the Customer's downloading of any materials, contents, data, text, images, video or audio from the Website, in no event shall the Company, the Company's employees, the associates or affiliates of the Company, the Insurance Companies, their underwriters, their service vendor/provider, and the delivery service provider be liable for any injury, loss, claim, damage, or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including but not limited to loss of profits or lost savings), whether based in contract, tort, strict liability, or otherwise, which arises out of or is in any way connected with (1) any use of the General Insurance Website or this Website or content found herein, (2) any failure or delay (including, but not limited to the use of or inability to use the General Insurance Website, any component of this Website) for applying DHPI or other related insurance products and services, or (3) the performance or non-performance by the Company, the Company's employees, the associates or affiliates of the Company, the Insurance Companies, their underwriters, their service vendor/provider and the delivery service provider, even if such party has been advised of the possibility of damages to such parties or any other party. 　 Personal Information Collection Statement and Privacy Policy Statement Personal Information Collection Statement 1. Anonymous browsing (a) You can visit most of the parts of this site without giving us any information about yourself. 2. Purpose of Personal Data Entered (a) From time to time, it is necessary for customers to supply to us with data in connection with using our value-added service including, but not limited to, placing an order for our product and service we sell or those we sell on behalf of a third-party, or subscribe to a mailing list. (b) The purpose of personal data entered in a form will be used for the the purpose of the form only (e.g. to place an order for our product and service we sell or those we sell on behalf of a third-party, or subscribe to a mailing list, etc), as indicated on the form. 3. Possible Transferees (a) On cases where we are accepting order for a third party's product or service, we might be needed to relay the necessary information to the third party, in order for the third party to be able to deliver the service or product to you. (b) On cases, we might disclose such information to any agent, contractor or third party service provider who provides administrative or any other services to us in connection with the operation of our business regarding the order you place on us. (c) Otherwise, we will not disclose (share, sell or divulge) it to external organizations unless we have informed you, been authorized by you, or are required to do so by law. 4. Rights of Access and Correction (a) You have the right to request access to and correction of information about you held by us. If you wish to access or correct your personal data held by us, please e-mail tls@tiglion.net, quoting the URL of the form where you have entered your information, the original particulars of your personal data, and the desired alterations. 5. Security Measures (a) Most of our forms, where you send your personal information to us with, are protected by SSL, an encrypted communication channel, during the transmission. Once we have received such information, we will maintain this information according to our usual strict security and confidentiality standards. Privacy Policy Statement 1. General Statement of Policy (a) We are devoting our maximum effort in attempt to meet fully, and where possible exceed, internally recognised standards of personal data privacy protection, in complying with the requirements of the Hong Kong Personal Data (Privacy) Ordinance. In doing so, we will ensure compliance by our staff with the strictest possible standards of security and confidentiality. 2. Statement of Practice (a) We have tried our best to minimize the amount of information requested from you. The information we request in the form is required for us to perform the delivery of product and service you ordered. (b) Failure in supplying such data may result in our inability to perform the delivery of service and product you ordered. 3. Service Providers (a) On cases where we are accepting order for a third party's product or service, we might be needed to relay the necessary information to the third party, in order for the third party to be able to deliver the service or product to you. (b) On such cases, once the information has been transferred to these parties concerned, it will be out of the scope of the privacy protection of the PPS we afforded and would be handled by the normal practice of these parties. 4. Accuracy of Personally Identifiable Information (a) You have the right to request access to and correction of information about you held by us. If you wish to access or correct your personal data held by us, please e-mail tls@tiglion.net, quoting the URL of the form where you have entered your information, the original particulars of your personal data, and the desired alterations. 5. Retention of Personally Identifiable Information (a) Under our normal practice, the personal information you entered will be retained by us only as long as the needs for our business relationship persist and in accordance with prevailing legal requirements. 6. Disclosure of Information about Individuals (a) We do not disclose personally identifiable information to other parties unless we are collecting it with an order we sell on a third party's behalf in order to facilitate such order to be processed, or as required by law. 7. Security Measures (a) Most of our forms, where you send your personal information to us with, are protected by SSL, an encrypted communication channel, during the transmission. Once we have received such information, we will maintain this information according to our usual strict security and confidentiality standards. 8. Contact Person for Answering Enquiries About your Privacy Policy and Practices (a) If you have any queries about our Privacy Policy and Practices, please e-mail them to "tls@tiglion.net". I Agree to the Terms and Conditions. 1st see then Note: This "MaidSafe" Insurance Certificate is delivered electronically. According to normal operation, an electronic MaidSafe Insurance Certificate will show up in your browser by clicking the button "MaidSafe Insurance E-Cert" after your payment has been successfully processed. You must print out your MaidSafe Insurance Certificate for your own records. The transaction information is transmitted through SSL 128-bit encryption keys. All insurance transactions must be arranged within the territory of the Hong Kong Special Administrative Region.

AuspharmTrading (H.K.) Limited (Insurance Agent Reg 96903619) [ Insurance Agent for Blue Cross(Asia Pacific) Insurance Limited & American Home Assurance Company ] Disclaimer Rm. 902 Yue Xiu Building, 160-174 Lockhart Road, Wanchai, Hong Kong. Email:tls@tiglion.net Tel. No.852-25987660 852-25117189 Fax. No. 852-25197296 Copyright (c) 2002 - . Auspharm Trading (H.K.) Limited . All rights reserved.