Terms of Use and Disclaimer

Please read these conditions carefully. By accessing this Site and any of its pages, it implies that you accept the conditions mentioned below together with any subsequent updates or amendments. If you do not agree with the conditions herein, please exit this Site.

Terms of Use

•  Information, products, or services provided on this Site are offered only in jurisdictions where and when they may be lawfully offered by Fidelidade Macau – Insurance Company Limited and Fidelidade Macau Life – Insurance Company Limited (hereafter referred to as “the Companies”).

•  All materials and information provided on this Site are for general information purpose and do not intend to provide any professional, financial, insurance, legal or tax advice. Please consider seeking appropriate and independent advice if necessary.

•  The materials and information provided on this Site can be withdrawn or changed at any time without prior notice. While the Companies have made reasonable effort in ensuring the accuracy and entirety of the information contained on this Site, the Companies shall neither bear any responsibility nor make any guarantee in case of any mistakes or inaccuracy.

Copyright

•  All materials and information from this Site are owned by the Companies. No part of these materials may be modified, reproduced, stored in a retrieval system, transmitted, copied, distributed, or used in any other way for commercial or public purposes without the prior written permission from the Companies.

•  All information submitted to the Companies via this Site and all electronic records and documents in connection with any communication between you and the Companies via this Site shall be deemed and remain the property of the Companies.

Security and Limitation of Liability

•  This Site may include hyperlinks to other websites which are not maintained by the Companies. The Companies do not provide your personal data to these third party websites. However, the Companies have no control over these third party websites. Such websites are provided for your reference only and are accessed at your own risk. Please review the privacy policies applicable to these third party websites to understand how they handle your personal data.

•  No warranty is given to the safety and security for any electronic message transmitted to the Companies through this Site. We do not warrant the security, accuracy, adequacy, fitness for a particular purpose or freedom from computer virus and harmful materials of this Site or the materials and information contained in or referred to on each page associated with this Site.

•  When you visit this Site, some information may be recorded for analysis by the Companies or third parties engaged by the Companies on the number of visitors to the Site and general usage patterns. Some of this information will be gathered through the use of cookies. The information collected by “cookies” is anonymous aggregated research data and contain no name or address information or any information that will enable anyone to contact you via telephone, e-mail, or any other means.

•  This Site use Secure Socket Layer (“SSL”) protocol to encrypt data during network transmission to protect your personal data from unauthorized or accidental access. When you browse the Site, our website system may log down information from your browser. Although every effort is made to secure network communications, the internet is not a secure medium where privacy can be ensured, your confidential use of this Site cannot be guaranteed and you acknowledge that your use of the Site and the information you transmit to the Site, may be accessed by, or disclosed to other persons. The Companies shall not be responsible or liable for any harm that you and any other person may suffer in connection with any such breach of confidentiality or security.

•  In any circumstances, the Companies and their employees shall not be responsible for nor liable to any kind of loss or damages that may arise in any connection with your use of this Site, including but not limited to any direct, indirect, special, incidental, third party, punitive or consequential damage. Without limiting the foregoing, the Companies shall not be responsible for any detrimental reliance that you may place upon this Site or its contents whatsoever. Certificates of insurance/Receipts issued are non-cancellable by the Companies or by the Insured except in the circumstances of non-receipt of the premium/contribution by the Companies. No refund of premium/contribution will be made once the Certificate of Insurance/Receipt has been issued and coverage becomes operative.

Governing Law

•  The laws of the Macao Administrative Region of the People’s Republic of China (“Macao”) shall govern any use or access of the Site. In the event that a dispute arises with regard to the use or access of the Site, legal proceedings (if any) are to be conducted in the Courts of Macao.