Disclaimers & Terms of Use


CES Insurance Consultants (HK) Limited (“CESICHK”) carries on business as an insurance broker in the Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong") , licensed under the Insurance Ordinance (Chapter 41 of the Laws of Hong Kong)(Insurance Broker Company License No. FB1019).


CES Insurance Agency (HK) Limited (“CESIAHK”) being an insurance agent, licensed under the Insurance Ordinance (Chapter 41 of the Laws of Hong Kong)(Insurance Agency License No. FA2265).


CESICHK/ CESIAHK are remunerated for its services by the receipt of commission or similar payments (which may include certain incentive payments) (collectively referred to as “Insurer Remuneration”) paid by insurers. Your instruction to proceed with this insurance application or transaction shall constitute your irrevocable consent to the receipt by CESICHK/ CESIAHK of Insurer Remuneration paid by insurers.


This hyperlink will bring to you to another website on the Internet, which is published and operated by a third party which is not owned or controlled by, or affiliated with or in any way related to CESICHK/ CESIAHK or any other members of China Everbright Securities International Company Limited (“CEBSI”) group of companies.

The hyperlink is provided for your convenience only. The provision of the hyperlink does not constitute any endorsement, recommendation, approval, warranty or representation, express or implied, by CESICHK/ CESIAHK of any third party or the hyperlinked website, or any product, service or information contained or available therein.

CESICHK/ CESIAHK do not have any control (editorial or otherwise) over the hyperlinked third party website and are not in any way responsible for the contents available therein. You use such hyperlinks at your own risk. To the extent permissible by law, CESICHK/ CESIAHK shall not be responsible for any damage or losses incurred or suffered by you arising out of or in connection with your use of any hyperlink connected to third party website.

Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the disclaimers, terms of use and privacy policies of the third party website that you are going to visit.


E-mail or other electronic transmission over the Internet or other electronic system cannot be completely secure as the Internet is an open system and any electronic network is subject to the risk of hacking and other risks inherent in an electronic network. CEBSI does not make any warranty or representation, whether express or implied, with respect to the security of any transmission sent through Internet or other electronic communication system. Neither CESICHK/ CESIAHK nor any other member of the CEBSI will be liable or otherwise responsible for any damage or loss whatsoever suffered or incurred by any users if they send an e-mail or other electronic message to the CEBSI or if CEBSI sends an email or other electronic message to the user, via this website or by Internet or other electronic communication system (including but not limited to mobile data network). Without prejudice to generality of the foregoing, CEBSI will not be liable or otherwise responsible for any damage or loss whatsoever caused directly or indirectly by the negligence or default of the user (such as the user’s failure to take any precautionary measure before sending the relevant information) or any criminal or malicious acts of third party (including but not limited to hacking, phishing, denial of service attack).


In order for CESICHK/ CESIAHK to provide services such as (i) dealing with enquiry relating to policy coverage or terms and conditions of the relevant insurance policy; (ii) claims follow up; or (iii) other services generally provided by an insurance broker/ insurance agency, CESICHK/ CESIAHK will request the third party insurer or underwriter to release policy-related information (“Policy-Related Information”) to CESICHK/ CESIAHK for record and reference. By purchasing or subscribing to any insurance products through this web-site or any website of an authorised insurer hyperlinked to this website, you agree to our obtaining of such Policy-Related Information from the relevant third party insurer or underwriter directly without further written or oral permission from you. To the extent that any Policy-Related Information contains personal data, such Policy-Related Information will be held by us subject to our group’s privacy policy, which is available on the following web-page: www.ebshk.com/materials/Privacy/privacy-en.pdf.


Any quotation provided by CESICHK/ CESIAHK via this site is only indicative and is not binding unless and until any offer by the user to purchase or subscribe any insurance product is accepted by the relevant insurer.


Although our insurance consultants/ insurance agents or customer service staff will endeavour to provide feedback to your queries, such feedback is for general information or guidance only. For details of the insurance products, you must review carefully the relevant product documentation, such as the terms and conditions of the insurance contract (in particular, the scope of coverage, exclusion or limitation sections thereof). Our feedbacks cannot be a substitute for your careful perusal and consideration of the relevant product documentation of the insurance product. In seeking any feedback from our insurance consultants/ insurance agents or customer service staff, you undertake to peruse and carefully consider the relevant insurance documentation independently before making any purchase or subscription.


If any user or visitor provides any information via this website, such user or visitor shall be deemed to have warranted and represented to CESICHK/ CESIAHK and other members of the CEBSI (if applicable) that such information is accurate, complete, up-to-date and not misleading in any material respect.


The terms and conditions of the General Disclaimer supplement these Disclaimers and Terms of Use unless the context not allows. Should there be any inconsistency between the terms of the General Disclaimer and these Disclaimers and Terms of Use, such inconsistency should be resolved in favour of the provisions affording the broadest protection to Everbright Securities International as permitted under the applicable laws and regulatory requirements.