Terms and Conditions

TheInsuranceMole.com.hk (the 'Website') is held and provided by GrovelandFinancial Services Limited ('GFSL').

In the terms and conditions stated herein ('Terms and Conditions'), whenever we use "TheInsuranceMole", "TheInsuranceMole.com.hk", "us", "we" and "our", it refers to Groveland Financial Services Limited ('GFSL') (a member of Professional Insurance Brokers Association ('PIBA') with membership number 0534), collectively, and "you" and "your" refers to anyone who uses this Website.

General

The access to and use of this Website is subject to the Terms and Conditions and our Privacy Policy. By using this Website, you agree to act according to these Terms and Conditions and our Privacy Policy. If you do not conform to the following Terms and Conditions or our Privacy Policy, you are not allowed to access and use this Website, and you should immediately stop such access and/or use.

If you violate any of the Terms and Conditions, your right to access and use this Website shall be terminated immediately.

We reserve the right to make changes to these Terms and Conditions from time to time without providing any prior notification. The amended Terms and Conditions are effective from the date they are published on this Website. As these Terms and Conditions are amended from time to time, you must check them whenever you visit this Website. Your continue access and use of this Website shall represent your unconditional acceptance of any amendment(s) being made and thus the latest version of the Terms and Conditions.

Our Service

We offer a free and independent online service that allows you to compare banking, insurance, telecommunication and broadband products provided by third parties. Our comparison service is free. We earn money by charging the concerned third party provider a fee and/or commission for the leads / business generated.

We additionally allow you to get assistance and help offline (such as over the telephone) from us for information related to using of this Website and from a third party related to insurance, banking and alternative products or services. We will not charge you for this service.

Please bear in mind that nothing on this Website ought to be thought, or relied upon, as a financial advice or a recommendation of any of the specified products or services. Information on this Website may help you choose the product or service that best meets your needs. However, it is your sole and absolute responsibility to conduct research, to seek independent and professional advice, and to ensure the suitability of the product or service that is of interest to you. At the end, it is your sole and absolute decision to purchase any product or service, whether it has been featured on this Website or not.

Please bear in mind that nothing on this Website is, or shall be deemed to represent, a proposal by us or any third party to sell to you any product or service or to enter into any contract with you in respect to any product or service. By giving us your personal details, you are making a proposal to request for a quote of the relevant product or service from the relevant third party based on its terms and conditions if any.

We aim to give you uninterrupted access to the current Website. However, we cannot assure you of uninterrupted availability of this Website. We have the absolute right to suspend, limit or terminate your access to the Website at any time.

We reserve the right to feature, amend, delete, edit, take away or modify any data, content, material or information displayed on this Website at any time. Regarding Insurance Products

GFSL is an insurance broker whose businesses are to arrange insurance products and services for their clients, and do not represent any particular insurance company in their dealings with clients. For your information, GFSL is remunerated for its services by the receipt of commission(s) paid by insurers. Your agreement to proceed with any insurance transaction shall constitute your consent to the receipt of commission by GFSL.

Information about Insurance Products

Where appropriate and with your consent, all documents of or related to the insurance products may be sent to you electronically. In cases where insurance documents cannot be delivered electronically due to legal constraints, physical forms will be posted to you upon your request.

Information on this Website and all materials to be found pertaining to products and services on offer are not representative of, and thus must not be treated as, the complete description of the particular and individual terms and conditions nor the precise cover provided of that product or service. In completing the proposal form, claim form, or any other material document that it is your sole responsible for the correctness of the answers or statements therein. In regards to a specific product or service, the terms and conditions of that product or service shall prevail should contradictions arise with the Terms and Conditions therein.

Prior to any cover being confirmed or provided to you, you should fully and faithfully inform GFSL of everything you know, or could reasonably be expected to know that could be relevant in the process or the decision to grant you the requested insurance. You are obliged (i) to disclose every fact which would influence the judgment of a prudent insurer in fixing the premium or in determining whether to underwrite the risk; (ii) not to misrepresent material facts and (iii) not to make fraudulent claims. A fact is material and requires disclosure to the insurer (even if not asked or prompted by the insurer in the proposal form or any other communication between you and the insurer, whether through GFSL or not) if it is relevant to the nature of the risk sought to be covered. To do otherwise may result in receiving no benefit from your chosen policy.

You agree that submission of your information on this Website shall never in any way be considered as acceptance of any offer and/or your request to purchase any product or service and that nothing on this Website shall be treated as an invitation to do any of these actions. GFSL's requests for a policy shall not be construed as an offer by GFSL to provide a product to you.

You must read and accept all applicable terms, conditions, exclusions, and limitations of any policy before entering any agreement or arrangement with an insurer.

Permitted Use

You are solely permissible to access and use this Website for personal or non-commercial functions, which means this Website shall only be accessed and used directly by a private individual or by a legal entity to find for a product or service for that individual or entity and on their own behalf. Any other kind of access to and use of this Website beyond those are mentioned in this paragraph is strictly prohibited.

You cannot use and should therefore stop using this Website if: In any unlawful, fraudulent or commercial manner; To hurt, abuse, embarrass, defame, libel, threaten, intimidate or harass another person or business, or in a manner that, in our sole and absolute determination, invades another person's privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory or damaging; To produce, check, confirm, update, modify or amend your own or another person's databases, records or directories; To alter or reverse engineer any part of this Website for any kind of commercial gain; In a way that, in our sole and absolute determination, interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems; and/or Using any automatic computer code, process, program, robot, net crawler, spider, data processing, trawling or alternative 'screen scraping' computer code, process, program or system.

Intellectual Property Rights

All rights, including but not limited to intellectual property right(s), ownership and goodwills, of the data, content, material or information displayed and to be found on this Website belongs to us or our licensor. You can print, copy, transfer or store extracts of content, material or information displayed on this Website for your own personal use if you abide by the following conditions: It cannot be used for any business or commercial functions without our written permission. Such right cannot be sold out or transferred to any third party; You should not modify or change any of such data, content, material or information. It shall not be excerpted, reproduced, published, used, reformatted and/or displayed on another website without our written permission; The standing of us and our licensors as authors of such data, content, material or information should be acknowledged at all times; All intellectual property rights such as patents, logos, net domain names, ethical rights, data, supply codes, software, specifications, know how, processes and business strategies (in all cases whether or not registered or unregistered and as well as all rights to use for registration) in and about this Website (including but not limited to data, content, material or information displayed and to be found on it) are owned by us or our licensors, and such rights are reserved. In other words, nothing in this Website and/or Terms and Conditions shall imply any transfer or assign any of the abovementioned ownership, rights and/or goodwills; and Images, logos, trademarks or service marks, displayed on this Website are protected by the applicable copyright law(s) and/or any other intellectual property law(s). Except as mentioned elsewhere in these Terms and Conditions, none of the content, material or information displayed and to be found on this Website can be used, copied, modified, published, transmitted, sold, excerpted, reverse designed, reproduced, reformatted or distributed by you without our prior written permission. You shall retain possession of any feedback, content or material you submit on this Website ("User Content"). You shall unconditionally grant us a perpetual, irrevocable, transferable, worldwide, royalty free and unlimited license to use, alter, store, share, sell, publish and transmit such User Content in any manner and for any purpose.

Exclusions of Liability

We shall not be accountable (directly or indirectly) if the information, material, data, knowledge, including but not limited to that from a third party, on the Website is inaccurate, or if there are any errors or omissions within such data, material and information. You must bear in mind that such information could be inaccurate, incomplete or out of date. We will not be held liable (directly or indirectly) for any knowledge, material or data on the Website, whether it has been provided by third parties. You agree that we are not in any way provide any warranty and/or represent that the Website or any information on this Website or any third party website is free from viruses or anything which can have a harmful impact on any technology.

We hold no responsibility for direct or indirect losses or damages arising from an inability to access the Website and from any use of the Website that is beyond our control. We are not accountable or to be blamed for any indirect losses or damages suffered or incurred by you or those which were not predictable as a result of your access and/use of this Website. This includes but not limited to any loss of savings you expect to make, loss of business or business opportunity, loss of profit or revenue or for any loss or damage you may suffer or incur in connection with your use of this Website which was not foreseeable by us when you are using and accessing this Website.

A number of our channels can offer you with access to third party websites who can host reviews concerning a number of the products and services. In some instances you will even be able to access user reviews directly on the Website. The views expressed in third party websites do not represent our views and we shall not be accountable for the accuracy or content of any such views or expressions.

You may be able to apply for a variety of products and services via this Website. The products and services are provided by third parties. You are solely responsible for your choice of product or service. We are not accountable or to be blamed (directly or indirectly) for any loss or harm you will suffer or incur as a result of any product or service you received and/or purchased in a result of or on the basis of using this Website or for any acts, omissions, errors or defaults of any third party in reference to that product or service. Please bear in mind that the data and descriptions of products and services on this Website might not represent the entire descriptions of all the options and terms and conditions of these products and services. You need to make sure that you carefully look at all the options and the terms and conditions of any product or service before purchasing it.

We may offer links from this Website and from emails sent to you to third parties. Due to this, we tend to mention websites that are operated by third parties that we do not manage. You access and use these third party websites at your sole discretion and risk. Any links to third party websites are provided for your interest and convenience only. We are not accountable for any loss or harm you will suffer or incur as a result of use of any third party websites or for any acts, omissions, errors or defaults of any third party mentioned on this Website.

Your use of any third party website is regulated by the terms and conditions and privacy policy of that website. Such terms and conditions and privacy policy may totally differ from these Terms and Conditions and our Privacy Policy hereinafter. It is your responsibility to go through the terms and conditions and privacy policy of the relevant third party websites before using that website. We are not responsible or to be blamed (directly or indirectly) for any loss or harm you may suffer or incur due to the terms and conditions or the privacy policy of any third party website or for any acts, omissions, errors or defaults of any third party as a result of their terms and conditions and/or privacy policy.

Complaint Procedure

We aim to provide all our customers with a high level of service and satisfaction but if you wish to complain about any aspect of our services with you please contact us on 852-2545-2766 or write to: TheInsuranceMole.com.hk HeadQuarters Groveland Financial Services Limited Unit 801, Hing Tai Commercial Building, 114 Wing Lok Street, Sheung Wan, Hong Kong For the purposes of handling complaints, our working day is 930am to 530pm Monday to Friday, excluding Public Holidays. We cannot answer complaints on behalf of a product or service provider or accept or admit responsibility for any such complaints. We recommend that you visit the Website of the product or service provider and follow their complaints procedure if you wish to make a complaint against them. In the event that further mediation is required in relation to the issue, notice can be sent to a higher authority regarding the complaint in relation to insurance products. Further channels of mediation include: Professional Insurance Brokers Association (PIBA) Room 2507-08, 25/F, China Insurance Group Building 141 Des Voeux Road Central Central, Hong Kong The Insurance Claims Complaints Bureau 29/F, Sunshine Plaza, 353 Lockhart Road, Wanchai, Hong Kong The Office of the Commissioner of Insurance 21st Floor, Queensway Government Offices, 66 Queensway, Hong Kong

Your Responsibilities

You have to take all necessary precautions to make sure that any data, content, material or information you offer (including User Content as delineated) are free from viruses, spyware, malicious software and anything which can have a contaminating, harmful or damaging impact on any a part of this Website or the websites of third parties or the other technology.

You are absolutely accountable for your conduct on this Website and for your User Content. You need to guarantee that your User Content does not violate any privacy rights, holding rights (such as copyright, information rights and trade marks) or alternative rights of any third party (including any right of confidentiality). User Content should not be harmful, fraudulent, threatening, defamatory, embarrassing, distressing, infringing, abusive, inflammatory, daunting, harassing, libelous, stalking, profane, obscene, indecent, inappropriate, hateful, discriminatory or racially, ethnically, sexually or otherwise objectionable or prohibited by any applicable laws or regulation.

You agree to be held wholly responsible for any harm, loss, claim, demand, liability or expense (including reasonable legal fees) that we suffer directly or indirectly as a result of your breach of contract or warranty, willful act or omission, misrepresentation, negligence in relation to, or in association with, your access and/or use on this Website and/or in relation to your submission and accuracy of your User Content.