Disclaimer & Intellectual Property Rights

Disclaimer & Intellectual Property Rights (Hong Kong Edition)

Please read this information carefully.

Business Statement

Both Prudential Hong Kong Limited and Prudential General Insurance Hong Kong Limited are members of the Prudential plc group. Neither Prudential Hong Kong Limited and Prudential General Insurance Hong Kong Limited nor Prudential plc is affiliated or related in any manner with Prudential Financial, Inc. (保德信金融集團), a company whose principal place of business is in the United States.

Terms of Use

This section sets out the terms of use of this website ("Website"). Access to this Website is deemed to be confirmation that you understand and agree to be bound by all of the following terms and conditions.

Where "Prudential" or "保誠" is used in this Website, it means both Prudential Hong Kong Limited and Prudential General Insurance Hong Kong Limited unless otherwise stated.

Prudential shall not be responsible to any one for any costs, liabilities and losses whatsoever arising from the use of this Website, unless those costs, liabilities and losses are directly and proven to be caused by the fraud, gross negligence and/or deliberate false representation of Prudential.

All information contained in this Website shall only be used for reference only. You should not treat it as any advice given by Prudential. Prudential reserves the right to change any information of this Website without prior notice.

The information contained in this Website shall not in any event constitute an offer. It can only be seen as an invitation for you to make an offer to Prudential, whereby you are offering to purchase the insurance products and services as provided by Prudential. Prudential Hong Kong reserves the final right to decide whether or not to accept your offer.

Governing Law and Jurisdiction

Prudential Hong Kong Limited and Prudential General Insurance Hong Kong Limited are insurance companies authorized to carry on long term business and general business respectively in the Hong Kong Special Administrative Region ("Hong Kong") under the Insurance Ordinance.

Nothing in this Website shall be construed as an offer to sell, or solicitation to buy, or provision of any product or service outside of Hong Kong. Prudential does not offer or sell any insurance product or other product or service (collectively, "Product") in any places in which such offering or sale of the Product is illegal under the laws of such place. If any Product is offered/sold by Prudential in any place in which such offering or sale is illegal (under the laws of such place), such offering or sale shall neither be effective nor valid.

Unless otherwise expressly set forth in this Website, Prudential does not make any representation that: (i) materials in this Website are appropriate for use in any location outside Hong Kong; or (ii) the products and services available through this Website comply with the laws of any place outside Hong Kong.

In the event that the place you are in imposes restrictions on our services or do not permit access to the contents of this Website, you shall comply with such restrictions or forthwith discontinue access (as the case may be) hereto. Unless otherwise provided, Prudential shall not be liable to any person in any way for accessing this Website.

By accessing this Website and/or using the services offered through this Website, you shall be deemed to agree that the laws of Hong Kong, including without limitation, the provisions of the Electronic Transactions Ordinance (Cap. 553), shall govern such access and the provision of such services; and you shall be deemed to agree to submit irrevocably to the jurisdiction of the courts of Hong Kong.

Disclaimer

Prudential has taken all reasonable precautions to ensure that the information contained in this Website is current, accurate and complete on the date of publication. No representations or warranties are made (expressed or implied) as to the reliability, accuracy or completeness of such information. Unless there is fraud, gross negligent and/or deliberate false representation contained in any information of this Website, Prudential does not take any responsibility for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing in this Website.

In viewing and/or printing any information available to you in this Website, and/or in using any of the services provided by our system, you are solely responsible for bearing the relevant liabilities and risks.

Prudential does not warrant the safety and accuracy of this Website; nor does it warrant that this Website is free from any errors, defects, viruses and/or other malicious programs or macros.

Any product details contained within this Website are for reference only. For details, terms and conditions relating to the products, please refer to the policies. Prudential will be happy to provide specimen of the policies upon request.

Use of Information and Materials

No content in this Website should be regarded as an offer or solicitation by Prudential to sell investments products in any place to any person where it is unlawful for Prudential to make such offer or solicitation to such person in such place.

E-mails

Prudential does not guarantee the successful delivery or safety of any e-mails issued by any persons to Prudential. In the event of misdelivery or leakage of information during the process, Prudential shall not take any responsibility thereof.

Online Services

Your usage of your password to access your policy records represents your acceptance of our Online Services. The Password will be recognized and deemed as your electronic signature and will be legally binding. Such act also represents that you accept electronic records and data will be admissible as original documents in any Court of law in Hong Kong and that you will not challenge or dispute the accuracy or authenticity of such records and data maintained by Prudential.

Prudential shall not be liable for any failure to carry out online instructions which is attributable, wholly or in part, to any cause beyond the control of Prudential including but not limited to any equipment malfunction or failure. Under no circumstances shall Prudential be responsible to the users for any direct, indirect or consequential losses arising from or in connection with the carrying out or otherwise of the users' online instructions.

By using our Online Services, you agree to all of our terms and conditions, including but not limited to: a) Prudential has reserved the right to add, delete or vary the scope of service provided online and any of the terms and conditions herein from time to time; and b) if Prudential decides to change the terms and conditions herein, Prudential shall give notice within this website of such amendment to the users and will specify a day on which such amendment shall take effect. If the user does not cancel the Online Service prior to the expiration of such period, the user shall be deemed to have agreed to such amendment.

Prudential may, at any time and at its sole discretion, without giving notice or reason suspend or terminate all or any of the Online Services, or their usage rights of particular users.

Prudential has the right to determine and vary from time to time the scope and type of Online Services to be made available on our corporate website including imposing and varying any restrictions on the use of the services, and prescribing and changing the normal service hours during which the services are available and any daily cut-off time.

Upon notice or suspicion of the Login ID and the Password being disclosed to any unauthorised person or any unauthorised use of the services being made, you shall notify Prudential as soon as practicable and, until our actual receipt of such notification, you shall remain responsible for any use of the services by unauthorised persons or for unauthorised purposes.

You are required to quote the Login ID, the Password and any other identifiers as shall be prescribed by Prudential in order to log into our services and give instructions to Prudential online. Instructions in connection with our services shall not be considered to be received by Prudential unless they are given in such manner as Prudential may prescribe from time to time and until Prudential have actually received them. Any instruction received after the cut-off time (as notified by Prudential to the Customer from time to time) shall be treated as if received the next following working day. Any instruction submitted on a holiday shall be treated as having been submitted the next working day after the holiday. All instructions once received and approved by Prudential may not be amended, canceled or withdrawn. All such instructions, as understood and acted on by Prudential in good faith, shall be irrevocable and binding on you whether given by you or by any other person. Prudential shall have no obligations or duty to verify authenticity of any instruction or the identity or authority of any person giving such instruction, other than to verify the Login ID, the Password and such other identifier (if any). Prudential will only act on an instruction insofar as it is in our opinion practicable and reasonable to do so and in accordance with its regular business practices and procedures. Instructions will be processed as soon as possible, but Prudential shall not be liable for any delay in processing any instruction. Instructions will be processed based on your account information and fund unit prices as at the processing date. Information relating to any account or transaction made available on our Online Services are for reference only. Our records of such account and transaction shall be conclusive unless and until the contrary is established.

Prudential shall not be liable for any loss, damage or expense or consequential loss, damage or expense suffered by you by virtue of any delay in acting on any instruction or for any inability to act as a result of any instruction being unclear or incomplete or you having failed to submit an instruction by the cut-off time specified by Prudential from time to time.

Investment involves risk, past performance figures are not indicative of future performance. As a consequence of the general nature of varied investments and possible exchange or interest rate fluctuations, the value of investments and their yield may go down as well as up.

Transactions over the Internet

Transactions conducted through the internet may be subject to interruption, blackout, delay or error. Prudential shall not be responsible for any loss of accuracy or timeliness of any messages sent or transactions conducted through this Website arising from or in relation to any malfunctions in communication facilities that are out of the control of Prudential.

Downloading

Prudential does not warrant the absence of delays, failures, errors, omissions or loss in respect of any information transmitted through this Website. Prudential does not guarantee any of the following: a) no viruses or other contaminating or destructive properties will be transmitted through this Website; or b) no damage will occur to any computer system connecting to this Website. Users of this Website shall have sole responsibility in protecting and backing up their data and/or equipment; and in taking any precautionary measures against computer viruses or other contaminating or destructive properties as they think appropriate and necessary.

Links

Where a link to a non-Prudential website exists in this Website, Prudential shall not be responsible or liable in any way for the content of the linked website including any products, services or other items offered through that website.

System Services

Prudential shall not be liable for any failure to carry out system instructions which is attributable, wholly or in part, to any cause beyond the control of Prudential including but not limited to any equipment malfunction or failure. Under no circumstances shall Prudential be responsible to the users for any direct, indirect or consequential losses arising from or in connection with the carrying out or otherwise of the users' system instructions.

By using our system services, you are agreeing to all of our terms and conditions, including but not limited to: a) Prudential's rights to add, delete or vary the service provided and any of the terms and conditions herein from time to time; and b) if Prudential decides to change the terms and conditions herein, Prudential shall give notice within this Website of such amendment to the users and will specify a day on which such amendment shall take effect. If the user does not cancel the system service prior to the expiration of such period, the user shall be deemed to have agreed to such amendment.

Prudential has the right to determine and vary from time to time the scope and type of system services to be made available through this Website, including imposing and varying any restrictions on the use of the services, and prescribing and changing the normal service hours during which the services are available.

Copyright Notice

Unless otherwise stated, Prudential Hong Kong Limited owns the copyright of all contents contained within this Website. Where any webpage deals exclusively with general insurance products, the copyright of all contents on those pages belongs to Prudential General Insurance Hong Kong Limited. All such contents are subject to the copyright laws of the relevant place with all rights reserved.

You may download and/or print individual sections of this Website for personal use and reference only provided that you retain all copyright and other proprietary notices. You are not allowed to reproduce (whether in whole or in part), modify, decompile, disassemble or transmit or use for any commercial purpose whatsoever any information from this Website unless with Prudential's prior written consent.

Copyright and Trademarks

The contents in this Website are protected by copyright laws. Any person is prohibited from modifying, reproducing, transmitting, copying, distributing, using or storing in a retrieval system of any materials contained in this Website or any part thereof without the prior written consent of Prudential.

Any trademarks, logos and service marks and related intellectual property rights appearing in this Website are either owned by Prudential plc group or other third parties; and shall not be used without the prior written consent of Prudential plc group or such other third parties.

Prudential Hong Kong Limited (A member of Prudential plc group)

Disclaimer & Intellectual Property Rights (Macau Edition)

Please read this information carefully.

Business Statement

Prudential Hong Kong Limited, Prudential Hong Kong Limited (Macau Branch) and Prudential General Insurance Hong Kong Limited are members of the Prudential plc group. None of Prudential Hong Kong Limited, Prudential Hong Kong Limited (Macau Branch), Prudential General Insurance Hong Kong Limited and Prudential plc is affiliated or related in any manner with Prudential Financial, Inc. (保德信金融集團), a company whose principal place of business is in the United States.

Terms of Use

Where "Prudential" or "保誠" is used in this Website, it means all of Prudential Hong Kong Limited, Prudential Hong Kong Limited (Macau Branch) and Prudential General Insurance Hong Kong Limited unless otherwise stated.

The information contained in this Website shall not, in any event, constitute an offer. It can only be seen as an invitation for you to make an offer to Prudential, whereby you are offering to purchase the insurance products and services as provided by Prudential. Prudential reserves the final right to decide whether or not to accept your offer.

Governing Law and Jurisdiction

Prudential Hong Kong Limited (Macau Branch) is an insurance company authorized to carry on life insurance business in the Macau Special Administrative Region ("Macau") under the Macau Insurance Ordinance.

Nothing in this Website shall be construed as an offer to sell, or solicitation to buy, or provision of any product or service outside of Hong Kong or Macau. Prudential does not offer or sell any insurance product or other product or service (collectively, "Product") in any places in which such offering or sale of the Product is illegal under the laws of such place. If any Product is offered / sold by Prudential in any place in which such offering or sale is illegal (under the laws of such place), such offering or sale shall neither be effective nor valid. Please read the Product information to identify which Product is available in Hong Kong or Macau.

Unless otherwise expressly set forth in this Website, Prudential does not make any representation that: (i) materials in this Website are appropriate for use in any location outside Hong Kong or Macau; or (ii) the products and services available through this Website comply with the laws of any place outside Hong Kong or Macau.

By accessing this Website and / or using the services offered through this Website, you shall be deemed to agree that the laws of Hong Kong and Macau, including without limitation, the provisions of the Electronic Transactions Ordinance (Cap. 553) and the provisions of the Legal Regime for Electronic Documents and Signatures (Law no. 5/2005), shall govern such access and the provision of such services; and you shall be deemed to agree to submit irrevocably to the jurisdiction of the courts of Hong Kong and Macau, where applicable.

Disclaimer

Prudential has taken all reasonable precautions to ensure that the information contained in this Website is current, accurate and complete on the date of publication. No representations or warranties are made (expressed or implied) as to the reliability, accuracy or completeness of such information. Unless there is fraud, gross negligent and / or deliberate false representation contained in any information of this Website, Prudential does not take any responsibility for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing in this Website.

In viewing and / or printing any information available to you in this Website, and / or in using any of the services provided by our system, you are solely responsible for bearing the relevant liabilities and risks.

Prudential does not warrant the safety and accuracy of this Website; nor does it warrant that this Website is free from any errors, defects, viruses and / or other malicious programs or macros.

Use of Information and Materials

E-mails

Online Services

Your usage of your password to access your policy records represents your acceptance of our Online Services. The Password will be recognized and deemed as your electronic signature and will be legally binding. Such act also represents that you accept electronic records and data will be admissible as original documents in any Court of law in Hong Kong or Macau and that you will not challenge or dispute the accuracy or authenticity of such records and data maintained by Prudential.

Prudential may, at any time and at its sole discretion, without giving notice or reason suspend or terminate all or any of the Online Services, or their usage rights of particular users.

You are required to quote the Login ID, the Password and any other identifiers as shall be prescribed by Prudential in order to log into our services and give instructions to Prudential online. Instructions in connection with our services shall not be considered to be received by Prudential unless they are given in such manner as Prudential may prescribe from time to time and until Prudential have actually received them. Any instruction received after the cut-off time (as notified by Prudential to the Customer from time to time) shall be treated as if received the next following working day. Any instruction submitted on a holiday shall be treated as having been submitted the next working day after the holiday. All instructions once received and approved by Prudential may not be amended, cancelled or withdrawn. All such instructions, as understood and acted on by Prudential in good faith, shall be irrevocable and binding on you whether given by you or by any other person. Prudential shall have no obligations or duty to verify authenticity of any instruction or the identity or authority of any person giving such instruction, other than to verify the Login ID, the Password and such other identifier (if any). Prudential will only act on an instruction insofar as it is in our opinion practicable and reasonable to do so and in accordance with its regular business practices and procedures. Instructions will be processed as soon as possible, but Prudential shall not be liable for any delay in processing any instruction. Instructions will be processed based on your account information and fund unit prices as at the processing date. Information relating to any account or transaction made available on our Online Services are for reference only. Our records of such account and transaction shall be conclusive unless and until the contrary is established.

Transactions over the Internet

Downloading

Prudential does not warrant the absence of delays, failures, errors, omissions or loss in respect of any information transmitted through this Website. Prudential does not guarantee any of the following: a) no viruses or other contaminating or destructive properties will be transmitted through this Website; or b) no damage will occur to any computer system connecting to this Website. Users of this Website shall have sole responsibility in protecting and backing up their data and / or equipment; and in taking any precautionary measures against computer viruses or other contaminating or destructive properties as they think appropriate and necessary.

System Services

Copyright Notice

You may download and / or print individual sections of this Website for personal use and reference only provided that you retain all copyright and other proprietary notices. You are not allowed to reproduce (whether in whole or in part), modify, decompile, disassemble or transmit or use for any commercial purpose whatsoever any information from this Website unless with Prudential's prior written consent.

Copyright and Trademarks

Prudential Hong Kong Limited (A member of Prudential plc group)