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Terms of Use

This section contains the Terms of Use of this Website. By accessing this Website and any of its pages, you are agreeing to this Terms of Use.


  1. HSBC Life Insurance Company Limited (“the Company”) does not offer any insurance products or services through its use and operation of this website, or gateway (the “Site”). Any information and materials on this Site do not constitute an offer or offer invitation of providing insurance products or services in any place to any person.
  2. The Site is primarily intended for those who access it from within mainland China. Because of this the Company cannot guarantee that the Site or the information thereon complies with law or regulation of other countries, or is appropriate for use, in other places. The information provided on this Site is not intended for distribution to, or use by, any country or region, or any person in any jurisdiction where such distribution or use would be contrary to law or regulation.
  3. Any products and services mentioned in the information or materials of this Site would be offered by the Company only in where and when they have been licenced to offer. It is the responsibility of any persons accessing this Site and any information available through this Site to inform himself or herself of and to observe fully the applicable laws and regulations of any relevant jurisdiction. The Company may decline to provide you with products and services solely based on your country of residence.
  4. The information contained in these pages is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing relevant pages are advised to obtain appropriate professional advice where necessary.


HSBC Group owns the trademarks, logos and service marks displayed on this Site. Any person should not use such trademarks, logos and service marks without the prior written consent of the owner and the Company. Materials on this Site are protected by copyright. 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 Company's prior written consent.


Whilst every care has been taken in preparing the information materials contained in this Site, such information and materials are provided "as is" without warranty of any kind, either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a purpose or freedom from computer viruses is given in connection with such information and materials.


E-mail messages sent to the Company over the Internet cannot be guaranteed to be completely secure. The Company is not responsible for any damages incurred by users if they send a message to the Company, or if the Company sends a message to them at their request, over the Internet. The Company is not responsible in any way for direct, indirect, special or consequential damages arising out of the use of this Website.


Due to the nature of the Internet transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission, the Company is not liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send.


We do not represent or warrant that the Site will be available and meet your requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.


Use of this Site shall be governed by the laws of the People’s Republic of China.


In case of any discrepancy between the English and Chinese versions, the Chinese version shall apply and prevail.