Website Terms of Use

This website is operated by Trusted Union Limited (“Trusted Union”, “we”, “us” or “our”).

By accessing or using this website, you agree to these Website Terms of Use. If you do not agree with them, you should not use the website.

General information

The information on this website is provided for general information only. It is intended to help visitors understand insurance-related issues, areas of risk and the services provided by Trusted Union.

The information on this website does not constitute personal insurance, legal, tax, investment, medical or other professional advice and should not be relied upon as a recommendation relating to any particular insurance product or arrangement.

Insurance advice provided by Trusted Union is based on the circumstances and information of the individual client concerned.

Insurance coverage

Nothing on this website constitutes an offer, acceptance, confirmation or guarantee of insurance coverage.

Submitting an enquiry, requesting a review or providing information through this website does not create or bind an insurance contract.

Insurance coverage is subject to the relevant insurer’s acceptance, underwriting requirements, policy terms, conditions, limits and exclusions, and is only effective once properly confirmed in accordance with the relevant insurance arrangements.

Accuracy and availability

We take reasonable care in preparing the information on this website, but insurance products, market conditions, regulations and other information may change.

We do not guarantee that all website content will at all times be complete, accurate, current or suitable for any particular purpose.

We may change, suspend or withdraw any part of the website without notice.

Intellectual property

Unless otherwise stated, the content of this website, including its text, design, branding, graphics and other materials, is owned by or licensed to Trusted Union Limited.

Content may not be copied, reproduced, republished, distributed or commercially exploited without prior written permission from Trusted Union Limited, except where permitted by law.

Trusted Union and associated branding are the property of Trusted Union Limited.

Images and AI-generated content

Certain images appearing on this website may be AI-generated, digitally created or materially edited.

Such images are used for illustrative and design purposes only. Unless expressly stated otherwise, people, places, situations and assets shown in such imagery should not be understood to represent actual Trusted Union clients, employees, advisers, premises, transactions or events.

Third-party websites

This website may contain links to websites operated by insurers, regulators or other third parties.

These websites are outside our control. Trusted Union is not responsible for their content, security, availability or privacy practices. A link does not necessarily constitute an endorsement of the third party or its content.

Limitation of liability

To the fullest extent permitted by law, Trusted Union Limited will not be liable for losses arising solely from reliance on general information contained on this website or from the unavailability or interruption of the website.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

Privacy and cookies

Our collection and use of personal data is described in our Privacy Policy.

Information about our use of cookies and similar technologies is contained in our Cookie Policy.

Governing law

These Website Terms of Use are governed by the laws of the Hong Kong Special Administrative Region.

Any dispute relating to the use of this website will be subject to the jurisdiction of the courts of Hong Kong.