DISCLAIMER

This web site and the information contained in or any services provided under it are provided on the following terms and conditions. By using or visiting this web site you are deemed to have accepted these terms and conditions. Please read these terms and conditions carefully before using this web site. Navigator Asset Management Limited and its subsidiary, holding companies, associated companies or affiliates companies (“Navigator”) reserve the right to amend the terms and conditions herein at any time. You are bound by any such revisions and shall therefore periodically visit this page to review the current terms and conditions. This web site and the information contained in it shall not be regarded as an offer or solicitation of business in any jurisdiction to any person to whom it is unlawful to offer or solicit business in such jurisdictions.

1.　Company Details Navigator is a group of companies holding valid licenses issued by the Hong Kong Special Administrative Region ("Hong Kong") regulators on providing insurance brokerage, corporate advisory and health management services to individuals or corporate customers in Hong Kong. Due to the types of licenses, Navigator can engage in some general and long term including linked long term businesses in the provision of a range of whole life, endowment, general insurance, MPF and investment-linked insurance products. We can also provide a range of other related products, including term life, accident, medical, critical illness and disability insurance to individuals or corporate customers in Hong Kong. We also provide corporate advisory service, including company formation, company secretary service, group structural setup, IPO advisory, bank-servicing support, accounts servicing support etc. Its principal place of business is situated at Suite 1006, 10th Floor, Ocean Centre, Harbour City, 5 Canton Road, Kowloon, Hong Kong. Telephone +852 9545 4951, fax +852 2110 3189 and email address enquiries marketing@namintl.com.hk.

2.　Residence This web site is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of this web site is prohibited. The pages of this web site are issued in Hong Kong and are for the information of Hong Kong residents in relation to Hong Kong insurance products or corporate advisory services only. Those who choose to access this web site do so on their own initiatives and shall be aware that, other than in Hong Kong, accessing this web site may not be in compliance with local law.

3.　Conditions of Use Information provided on this site is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. All information published on the website shall be used for reference purposes only. It is subject to modification from time to time without notice and shall not be taken as advice of any kind by Navigator. All materials contained in this website do not in any way constitute an offer. To the extent permitted by law, it is an invitation to you to make an offer to buy our products or services subject to our final acceptance.

4.　General Disclaimers and Terms Whilst Navigator has taken all reasonable care to ensure that the information contained within the pages of this web site is accurate and current as at the date of issue, no liability shall be accepted by Navigator or its affiliated companies for any errors or omissions in relation to this information, or for this information becoming out of date or for any direct or indirect loss arising as a result thereof. Neither Navigator nor its affiliated companies accepts any responsibility for information contained in any other web sites which can be accessed by hypertext link from these pages or for these web sites not being available at all times. Please note that when you click on any external web site hypertext link you will leave the Navigator web site. Navigator reserves the right to suspend or withdraw access to the pages of these web sites without notice at any time. Navigator reserves the right in its sole and absolute discretion to change without prior warning or notice any information or material contained in this web site. Navigator and its affiliated companies accept no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of this web site, howsoever arising, including any loss, damage or expense arising from, but not limited to any defect, error, imperfection, fault, mistake or inaccuracy with this web site, its contents or associated services, or due to any unavailability of this web site or any part hereof. Navigator, its subsidiaries and affiliated companies and representatives are committed to respecting the privacy of your personal information. However, it must be understood that the Internet is not a secure mode of communication. Therefore, we cannot guarantee the privacy of any information you input on this site or send to us through the Internet. We will not be responsible for any damage you or others may suffer as a result of the loss of confidentiality of any such information.

5.　Nature of Information Provided The pages on this web site are for general information only and do not constitute financial, professional, investment or any other kind of advice in any way. If you wish to receive advice on investment and / or insurance products and / or corporate advisory services, please feel free to contact us.

6.　Copyright and Trademark Navigator and other parties own the trademarks, logos and service marks displayed on this web site. These may not be used without the written permission of Navigator or the relevant owners. Materials on this web 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 Navigator's prior written consent.

7.　E-mail, Internet-based Communications and Internet Transaction Please note that, due to the inherently insecure nature of Internet communications, there is no guarantee that any e-mail or message sent using the facilities of this web site will be received, or that the contents of any such e-mail will remain private and will not be corrupted during transmission. Since internet transactions may be vulnerable to interruption, blackout, delay and corruption of data during transmission, Navigator is not liable for malfunctions in communication facilities not under its control that may affect the accuracy or timeliness of messages and transactions. Navigator shall not accept any liability for direct, indirect, special or consequential damages arising out of the use of this website. Apart from using the internet, you may contact us by phone or post.

8.　Downloads Please note that any software is downloaded at your own risk. Navigator does not warrant the suitability of any such software which is downloaded and accepts no liability for any problems with your computer that may arise as a result. If you are in doubt as to the suitability of software to be downloaded for your computer, it is recommended that you obtain specialist advice before downloading. Furthermore, it is a condition of your use of this web site that you agree that Navigator shall not be liable for any computer viruses, trojans, worms or other harmful computer code or data which may infect or otherwise damage your computer software or equipment as a result of your access to or use of this web site or any of its contents.

9.　Responsibility of Users Upon registering to use our web site services, all users warrant that their information provided relating the services is true, complete and up-to-date and all users agree to notify Navigator regarding all changes to the information previously declared (including but not limited to changes in address, contact details, etc.).

10.　Linked Web Sites This website contains hyperlinks to other websites operated by parties other than Navigator. Such hyperlinks are provided for user's reference and service convenience only. We are not responsible for the availability of these external sites, nor are we responsible for any of the contents, advertisements, products, or other materials in external sites. Under no circumstances shall Navigator, its subsidiaries or its affiliated companies or their representatives be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused in connection with the use of or reliance on any content, goods, or services available in an external site. Concerns regarding any external link shall be directed to the relevant site administrator or webmaster.

11.　Governing Law and Jurisdiction This website is not intended for use by persons located or resident in any jurisdictions where the availability of information in this website is prohibited (by reason of the person’s nationality, place of residence or otherwise). Subject to the above, the products and services posted on this website are intended for citizens of Hong Kong, Hong Kong permanent residents and foreign nationals residing in Hong Kong. Nothing in this website shall be construed as an offer to sell or solicitation to buy or provision of any product or service outside of Hong Kong. Navigator, its subsidiaries and affiliates do not offer or sell any insurance product or other product or service (collectively "Product") in any other jurisdiction in which such offering or sale of the Product is illegal under the laws of such jurisdiction. If any Product is offered / sold by Navigator, its subsidiaries or affiliates in any jurisdiction in which such offering or sale is illegal (under the laws of such jurisdiction), such offering or sale shall neither be effective nor valid. Unless otherwise expressly set forth herein, Navigator, its subsidiaries or affiliates has not made any representation that: (i) materials on this website are appropriate for use in any location outside Hong Kong; or (ii) the Products available through this website comply with the laws of any country outside Hong Kong. In the event that the jurisdiction you are in imposes restrictions on our Products or do not permit access to the contents of this website, you shall comply with such restrictions or forthwith discontinue access (as the case may be) hereto. Navigator, its subsidiaries or affiliates shall not be liable to any person in any way for visiting this website. These terms and conditions shall be governed by and construed in accordance with the laws of Hong Kong. You agree that the courts of Hong Kong shall have jurisdiction over any disputes arising from the use of this web site.

Note: In the event of any ambiguity or inconsistency between the English and Chinese (Traditional or Simplified) version of the terms herein, the Chinese version will prevail.