This website is prepared for general information purpose only and the information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services. While every effort has been made to ensure accuracy, no responsibility would be accepted by United Builders Insurance Company Limited (“the Company”) for errors and omissions however caused. The information should not be relied on as professional advice and should not be regarded as a replacement for detailed advice in individual circumstances when the services of a competent professional consultant should be sought.
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Legal Restrictions in Certain Jurisdictions
Legal restrictions may apply to the distribution of information regarding certain of these products and services in some jurisdictions, and this website is not intended for the use of persons located in those jurisdictions to which restrictions apply.  Persons accessing this website do so on their own initiative.  It is the responsibility of those accessing this website to ensure that they are aware of and observe all relevant restrictions and laws which apply to them.
All insurance product information available on this website is not and shall not be construed as an offer to sell or a provision of insurance products to any person in any jurisdiction outside Hong Kong or a solicitation to such person to buy insurance products available on this website.
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Use of Internet & Security
The use of the Internet cannot be guaranteed to be completely safe.  The Company does not warrant that any information accessible through this website is free of viruses or other harmful elements and is not responsible in any manner for any direct, indirect or consequential damages arising out of the use of this website or the downloading of materials from this website.  Users of this website shall be solely responsible for protecting and backing up their data and/or equipment and taking any protective measures against computer viruses or other contaminating or destructive properties as they think appropriate and necessary.
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Submission of Information
All information submitted to the Company via this website  shall be deemed and remain the property of the Company and the Company shall be free to use, for any purposes, any ideas, concepts, know-how or techniques contained in information provided by a visitor to the Company through this website. The Company shall not be subject to any obligations of confidentiality regarding submitted information except as otherwise specifically agreed or required by law.
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Links
‍This website may be linked to other websites which are not maintained by the Company.  The Company has no control over, does not assume any responsibility for and does not make any warranties or representations as to any third party content or websites, including but not limited to, the accuracy, subject matter, quality and timeliness.  By providing hyperlinks to other websites, the Company shall not be deemed to endorse, approve, recommend, guarantee or introduce any third parties or the service/products they provide on their websites, or have any form of cooperation with such third parties and websites.  The Company shall have no liability for third party content or websites or websites linking to or framing the websites of the Company.
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Intellectual Property Rights
‍The contents of this website are the property of the Company and are protected by copyright.  Users of this website are prohibited from transmitting, copying, modifying or using any materials contained in this website without the prior written consent of the Company.  The trademarks, logos and service marks appearing in this website are either owned by the Company or other third parties and shall not be used without the prior written consent of the Company or such third parties.
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Inconsistency in Wordings
‍In the event of any ambiguity or inconsistency between the English and Chinese version of this disclaimer and content of this website, the English version will control and prevail.
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‍Governing Law and Jurisdiction
This disclaimer is governed by the laws of Hong Kong.  Any disputes arising from these terms of use shall be subject to the exclusive jurisdiction of the Hong Kong Courts.  Information provided on this website may be revised at any time without notice at the discretion of the Company.