PERSONAL INFORMATION COLLECTION STATEMENT
Your privacy matters to us. At Asia-Pacific Property & Casualty Insurance Co Ltd. Hong Kong Branch (hereinafter referred as “APIHK”), we always put our customers at the heart of our business. As a trusted insurance provider, we treat the protection of personal information of our customers with utmost respect. APIHK is committed to fully implementing the requirements of the Personal Data (Privacy) Ordinance in relation to the collection, handling, use and disclosure of personal data.
- From time to time, it is necessary for you to supply APIHK with data about yourself(ves), policyholder(s), beneficiary(ies), claimant(s), and/ or other relevant individuals (the “Personal Data”) in connection with the provision of insurance and/ or related products and services to you, the processing of claims under insurance policies issued and/ or arranged by APIHK, and/ or the processing of any or all other requests, enquiries and complaints from you.
- Provision of the Personal Data to APIHK by you is voluntary. However, failure to supply the Personal Data may result in APIHK being unable to provide insurance and/ or related products and services to you, process claims under insurance policies issued and/ or arranged by APIHK, and/ or process any or all other requests, enquiries, or complaints from you.
- The purposes for which the Personal Data may be used are as follows:
- processing your insurance application, arranging and executing insurance contract, and managing your account with APIHK
- customer services and other related activities;
- conducting data matching procedures;
- designing insurance and/ or related products and services for customers’ use;
- marketing insurance and/ or other related products and services of APIHK and/ or its group companies (hereinafter referred to as the “Group”);
- direct marketing of insurance and/ or other related products and services subject to your prior prescribed consent (if any), and you can exercise the right of opt-out by notifying APIHK at any time;
- statistical or actuarial research of APIHK, its Group, insurance industry associations or federations, governments and/ or regulatory entities;
- complying with the requirements under any laws, rules, regulations, codes, guidelines, court orders, compliance policies and procedures, and any other relevant requirements which APIHK and/ or its Group are expected to comply with, including, without limitation, performing due diligence on customers and making disclosures of the relevant information; and
- fulfilling any other purposes directly relating to (i) to (viii) above.
- The Personal Data held by APIHK shall be kept confidential, but APIHK may provide the Personal Data to the following parties (whether within or outside the Hong Kong Special Administrative Region) for the purposes set out in paragraph (c) above, without prior notification to you and/ or any other relevant individuals to whom the Personal Data is related:
- intermediaries, claims service providers, coinsurers, reinsurers, banks and credit-card companies, health and medical organizations, business partners, and/ or any other relevant parties, as appropriate, who provide administrative, telecommunication, computer, payment, marketing, investigation, advisory and/ or other services to APIHK in connection with the operation of its business;
- relevant insurance industry associations or federations, and/ or members of such industry associations or federations;
- overseas locations, as appropriate, of APIHK and/ or its Group;
- persons to whom APIHK and/ or its Group are under an obligation to make disclosure under the requirements as mentioned in (c) (viii);
- any court, government or regulatory entity (including, without limitation, tax authority, insurance authority, etc.) under any laws binding on APIHK and/ or its Group;
- lawful successors or assigns of APIHK; and
- persons who owe a duty of confidentiality to APIHK and/ or its Group.
- APIHK may verify any or all of the Personal Data by using information collected and released or transferred by relevant insurance industry associations or federations, and/ or members of such industry associations or federations.
- In accordance with the Personal Data (Privacy) Ordinance:
- any individual has the right to:
- check whether APIHK holds data about him/ her and, if so, obtain a copy of such data;
- require APIHK to correct any data relating to him/ her that is inaccurate; and
- ascertain APIHK’s policies and practices in relation to data and to be informed of the kind of data held by APIHK; and
- APIHK has the right to charge a reasonable fee for the processing of any data access request.
- any individual has the right to:
- The person to whom requests for access to data and/ or correction of data and/ or for information regarding policies and practices and kinds of data held are to be addressed to APIHK.
LEGAL INFORMATION
TERMS AND CONDITIONS OF USE
The APIHK's website (the “Site”) is managed by APIHK.
By using this Site or downloading materials from it, you agree to abide by the terms and conditions set forth in this notice. By using this Site, you will be deemed to have irrevocably agreed to these terms.
If you do not agree to abide by these terms and conditions, you are kindly requested not to use this Site.
LIMITED USE
The contents of APIHK Site pages are the property of APIHK.
Part or all of the contents of APIHK Site pages and its graphics cannot - in whole or in part - be copied, reproduced, transferred, uploaded, published, distributed, put in a data base, shown, updated, changed, adjusted, sent or exploited in any way without APIHK's prior written permission, nor can they be imitated in any way, except for the possibility to print extracts from these pages for your personal use only.
The trademarks and logos displayed on this Site are the property of APIHK and/or its subsidiaries and/or associates (jointly called “APIHK Group”) and/or their respective owners. None of them can be in any way and under any form reproduced and/or used without APIHK's prior written permission, nor can it be imitated in any way. In particular and as a way of example, none of these trademarks and logos may be reproduced, in whole or in part, on any website other than the APIHK Site. The APIHK name or any trademark referring to APIHK or any other APIHK Group company cannot be used as or incorporated into an internet address of other websites. Therefore, without prejudice to the limits provided by law, any initiative taken by third parties to use such trademarks, logos and similar wordings in any context and for any purposes is an infringement of trademark.
Unless otherwise envisaged by these terms and conditions, the contents of this Site can in no way be intended as an allocation of license or right concerning any copyright, patent, registered or unregistered trademark, and other intellectual property or industrial rights pertaining to APIHK and/or other APIHK Group companies and/or their respective owners.
DISCLAIMER
The information on this Site is provided in good faith. However, the information on this Site may contain errors or inaccuracies. APIHK has made reasonable efforts to make sure that all the information provided is correct at the time of writing. In any case, the data, opinions and any special sections (press releases, presentations, etc.) appearing on this Site are included exclusively for the purpose of providing information on the activities of APIHK which does not undertake any obligation or responsibility to update or amend any such information.
The information may be used for personal investment decision-making purposes entirely at the user's risk. APIHK does not take any responsibility for any error or omission of information contained on this Site or accessible through its links. Any decision based on this information is under the exclusive responsibility of the user.
The information appearing on this Site is provided “as is”. APIHK does not provide any warranty or condition of any kind, expressed or implied, including but not limited to any warranty of fitness for particular purposes of the Site or any information, goods or services made available, advertised or sold through the Site. Please be aware that any advice, opinion, statement and other materials and databases uploaded or distributed on this Site and available through its links may not be accurate, complete, precise or reliable.
The information contained on this Site is produced by APIHK and/or internal APIHK Group sources. APIHK reserves the right to modify the contents and the functional and operational use specifications applying to the Site as and when it chooses to do so, at its own discretion and with no forewarning. Without prejudice to what is otherwise provided by these terms and conditions, any new characteristics or functions increasing, improving or changing this Site will be subject to these terms and conditions.
APIHK will do its utmost to ensure that the information of this Site fully complies with the requirements of reliability, truthfulness, accuracy and validity.
APIHK accepts no responsibility for the reliability, truthfulness, accuracy and validity of any information published on the Site which cannot be ascribed to APIHK.
APIHK reserves the right, at any time and/or from time to time, to modify or interrupt temporarily or permanently the use of the Site (or part of it) with or without notice. The user acknowledges and accepts that APIHK cannot be held responsible or liable against him/her or any third party for any change, suspension or interruption of the Site.
Furthermore, APIHK accepts no responsibility for any untoward consequences of brief or prolonged interruptions, delays or dysfunctions in the provision of the Site service due to power blackouts, telephone line failures, internet failures or circumstances beyond the control of APIHK.
APIHK takes reasonable actions to prevent the introduction of viruses, worms, Trojan horses or other malware in the Site. However, it does not guarantee that the Site and materials contained therein and available for download will not contain them. APIHK does not take any responsibility for any loss or damage of any nature - be it direct, indirect, special or consequential - arising from the use or access to this Site. The server of APIHK is located in Hong Kong. APIHK makes no representation that materials or other content on the Site are appropriate or available for use outside Hong Kong or by foreign citizens residing in Hong Kong. If you choose to access the Site from other countries or you are a foreign citizen you do it on your own initiative and at your own risk. You are responsible for complying with local laws or laws applicable to you, if and to the extent such laws are applicable. In particular, you agree to comply with all applicable laws concerning the transmission of technical data exported from Hong Kong.
None of the information contained in the APIHK Site constitutes a recommendation, solicitation or offer by APIHK to buy or sell any securities or other financial instruments; some information may be found on the APIHK Site as its publishing is required or recommended by law, regulations or provisions of self regulatory codes.
The information and services provided by the APIHK Site may not be used, downloaded or imported abroad or by foreign citizens where the provision, use, communication or dissemination thereof would be contrary to laws, rules or regulations applicable to those countries or citizens or where APIHK is not authorised to provide such information or services.
Some products or services described on the Site may not be available in all jurisdictions or to all users.
Information contained on the APIHK Site maybe expressed in a language that is translated from another language for convenience purposes only, and the official text may therefore be different from that expressed on this Site. Such information does not constitute an invitation to subscribe or sell any financial instruments in any countries, including in any foreign countries, including, without limitation, the United States of America, or to any foreign citizen, including but not limited to any “U.S. Person” as defined in the “Regulation S” under the United States Securities Act of 1933 (Securities Act), as subsequently amended. Unless the contrary is explicitly stated with reference to specific financial instruments, no financial instrument described on the APIHK Site has and will be registered pursuant to any foreign law, including, without limitation, the Securities Act and, as a consequence, no financial instrument may be offered or sold directly or indirectly in the United States of America.
INDEMNITY BY THE USER
By accessing the APIHK Site, you hereby agree to fully indemnify and to hold APIHK harmless from and against any claim brought by a third party resulting from the use of the APIHK Site and in respect of all losses, costs, actions, proceedings, claims, damages, expenses (including legal costs and expenses), or liabilities whatsoever suffered or incurred directly or indirectly in consequence of such use of the Site or your breach or non-observance of any of these Terms and Conditions.
LINKS
APIHK assumes no responsibility for material created or published by third parties that APIHK Site pages have a link to. If you decide to visit any linked site you do so at your own risk and it is your responsibility to take all measures against viruses or other destructive elements. Links do not imply that APIHK sponsors or is affiliated with any entity whose products or services are described thereon. APIHK assumes no responsibility for the contents hosted on the websites linked to APIHK Site.
INFORMATION FROM THE USER
Except materials sent to APIHK which are otherwise protected by applicable laws (e.g., personal data), by e-mail or via World Wide Web pages, they shall generally be considered not confidential nor proprietary. APIHK shall have no obligation of any kind with respect to such materials and APIHK shall be free to reproduce, use, disclose, display, transform, create derivative works and distribute the materials to others as permitted by the relevant laws. Moreover, APIHK shall be free to use any ideas, concepts, know-how or techniques contained in such materials for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products incorporating such materials to the extent permitted by the relevant laws.
COOKIES
The Site uses cookies and other session identifiers in order to make surfing possible or provide a service requested by the user only if strictly necessary. Cookies may be used for statistical purposes or profiling activities.
LAW AND JURISDICTION
For any dispute arising from these terms and conditions the Court of Hong Kong shall have exclusive jurisdiction. APIHK nonetheless reserves the right to take legal proceedings in jurisdictions other than Hong Kong, to protect its interests or to enforce its rights whenever it deems it appropriate to do so.
Privacy, Security & Cookies
Privacy information
In its capacity as Data User, Asia-Pacific Property & Casualty Insurance Co Ltd. Hong Kong Branch (hereinafter referred as “APIHK”) is entitled to process the personal data of its stakeholders (customers, employees, shareholders, suppliers, trustees, internet users etc.) in the ordinary management of existing relations and to acquire consent if necessary. Data processing for commercial purposes is carried out only if specifically authorised by Data Subjects.
Personal data are not subject to dissemination unless specifically provided for by the law.
All Data Subjects can exercise their rights of access and know what personal data are held by us, their origins and how they are used. They shall also be entitled to call for the data to be updated, rectified, supplemented or deleted, ask for them to be blocked or object to their processing, and require further information on the processing of personal data by contacting the APIHK.
Policies and security
Asia-Pacific Property & Casualty Insurance Co Ltd. Hong Kong Branch (hereinafter referred as “APIHK”) acting as Data User(s) attach utmost importance to confidentiality, protection and safety of information, particularly personal data concerning their customers and people who get in touch with APIHK.
This section outlines the methods used to administer this site with regard to the processing of users' personal data. Pursuant to Personal Data (Privacy) Ordinance (Cap 486, laws of Hong Kong) and its subsidiary legislations/rules, this information is also provided to subjects interacting with the services provided over the internet by APIHK (Data User).
Information is provided for and applies to APIHK web sites only. It is not applicable to any other web site linked to the APIHK Site.
Surfers are required to provide personal data only if they want to get in contact with us or ask for advice. In such cases - totally voluntary - surfers are required to read the information as established by the law and to provide only data that is strictly necessary to handle their requests.
In compliance with the existing privacy legislation, APIHK has adopted a specific policy, as described in the APIHK privacy policy section.
Surfers browsing our web site are not required to provide any personal data. However, as the technology used by APIHK stores data concerning tools employed by users, which help track the latter.
We are pleased to provide useful information on the methods of active and passive collection of information concerning subjects/means interacting with this web Site, as well as on the security measures taken by APIHK.
While surfing a web Site, it is technically possible to collect data even without a user's explicit registration to the service or without his/her active role. This type of collection is called “passive data collection”.
The use of IP addresses, cookies and other session identifiers, internet tags, and surfing data, including the possibility to exclude them and their implications, are shown below.
As regards the passive data collection:
- IP addresses are stored as surfing data;
- the web Site may use surfing data as aggregate data for statistical purposes or profiling activities;
- the web Site may use its own and third parties' cookies and other session identifiers (technical and profiling). Technical cookies are used in order to make surfing possible or provide a service requested by the user only if strictly necessary.
As regards the active data collection:
- E-Mail: Data received by e-mails sent to the web Site are used to reply requests only. This data are stored for statistical purposes only and to check whether there are any precedents.
- Names may be included in specific Mailing List only if expressly requested by Surfers wishing to receive certain documents (press releases, financial statements, etc.) on a periodical basis.
- Registration: To access a number of services, surfers are required to fill in a specific form. This information is used to reply to the sender's request and to provide requested services only.
APIHK privacy policy
Asia-Pacific Property & Casualty Insurance Co Ltd. Hong Kong Branch (hereinafter referred as “APIHK”) process personal data concerning third parties, insured people, claimants, existing and potential customers, beneficiaries, etc.. APIHK has always taken all necessary steps to guarantee data confidentiality and security, in line with new regulatory and technological developments, particularly in the field of computer technology.
Pursuant to the existing personal data protection legislation, APIHK has adopted their own privacy policy which is based on the following points:
- The Data User is APIHK, which has appointed a staff as the Personal Data Protection Officer as the person in charge of the implementation of privacy legislation in Hong Kong;
- Data subjects may apply to the Human Resources & Administration Department of APIHK to exercise their rights of access and obtain any further information on privacy;
APIHK can only access personal information as is strictly necessary to perform specific services or for the purposes for which such information has been collected by providing the specific information (i.e. on contracts for insurance business).
Cookies policy
The web sites of Asia-Pacific Property & Casualty Insurance Co Ltd. Hong Kong Branch (hereinafter referred as “APIHK”) use cookies and similar technologies to ensure the proper functioning of the procedures performed and improve the surfing experience of users for statistical purposes or profiling activities.
Cookies are text files (letters and/or numbers) containing groups of information stored in Data Subjects’ computer every time they visit a web Site through a browser. At each subsequent visit the browser sends these cookies to the web Site which originated them or to another web site. Cookies allow web sites to store certain information in order to allow users to navigate online in a simple and fast way. Cookies are used for different purposes and have different characteristics. They can be used either by the Data User of the web Site you are visiting, or by third party.