AXA China Region Limited (incorporated in Bermuda and re-domiciled to Hong Kong) (“AXA CR”) reserves the right to add to, modify or remove and more generally update at any time, all or part of these terms of use. Each visitor to this website or any part of it (each, a “User”), by accessing or making use of this website, accepts the present terms of use, as they may be modified from time to time.

If the User does not respect these terms of use (each such instance, a Violation) and if AXA CR does not immediately take action with respect thereto, this does not mean that AXA CR shall be deemed to waive any of its rights to act subsequently in respect of any Violation.

The Website is an information website published in English, intended both for customers and non-customers of AXA CR, its subsidiaries or affiliated companies.

The information contained on the Website is given strictly for informative purposes and does not entail any legal commitment or implicit or explicit contractual agreement on the part of AXA CR, which also reserves the right to modify its characteristics at any time. Information provided on the Website does not in any way constitute financial, investment, tax, legal, medical or any professional advice, and is not specific to any person’s investment objective, financial situation or particular needs.

AXA CR is not a product offering company and is not the guarantor of the obligations of its subsidiaries or affiliated companies. Insurance products available through the business based in Bermuda are offered by AXA Life Bermuda Limited (incorporated in Bermuda with limited liability). Insurance products available through the business based in Hong Kong are offered by AXA China Region Insurance Company (Hong Kong) Limited (domiciled in Hong Kong with limited liability).

The information provided in the Website in respect of a particular product or service is for general information purposes only and is not a complete description of all terms, conditions and exclusions applicable to the relevant product or service. Users are strongly recommended to refer to the offering documents or policy of the relevant product and/or terms and conditions for the relevant service for further details.

Access to any products and services presented on the Website may be subject to legal or regulatory restrictions for certain persons or in certain countries. None of the products and/or services will be supplied by AXA CR or any entity of the AXA Group (“AXA Group”) to a person if the law applicable to him/her prohibits it. However, it is up to all persons concerned to check beforehand with their usual legal advisors that their legal and fiscal status permits them to subscribe to the products and/or services presented on the Website. AXA CR declines all responsibility in case of violation of these restrictions by any person.

Access to the Website is free of charge. However, the costs of access and use of the telecommunications network shall be borne by the User, according to the terms stipulated by his/her Internet access provider and his/her telecom operator.

Some features on the Website may require the creation of a User account. The User has the entire responsibility of maintaining the confidentiality of his/her account information, especially his/her password and of all the operations carried out with the account. He/she is responsible for his/her own activity carried out using his/her account or through it. He/she shall not use the same password for third-party applications.

The User is not allowed to use the account of any other person without such account holder’s permission.

The User undertakes to immediately notify AXA CR in case of non authorised use of his/her account or of his/her password or any breach of security. He/she may be held responsible for the damages suffered by AXA CR or any other User due to the use, caused by his/her own intent or negligence, of his/her AXA login, his/her password or his/her account, by another person.

The creation of hypertext links to the Website is subject to the explicit prior approval of AXA CR.

The Website can contain hypertext links to other sites. The existence of hypertext links between the Website and third party sites (including without limitation the sites of the subsidiaries or affiliated companies of AXA CR) means in no way that AXA CR approves the content of that site or the use which may be made, and may not, under any circumstances, incur AXA CR’s responsibility. The User visits the other sites at his/her own risks and under his/her responsibility.

AXA CR does not accept any responsibility for any third party (including without limitation the subsidiaries or affiliated companies of AXA CR) website linked to or from this website.

Please note that delays, omissions or inaccuracies may occur because of the electronic transmission system.

All the elements of the Website, individually and as a whole, are governed by applicable laws on intellectual property, copyright law and/or trademark law. The same applies to the form of the Website (tree view, layout, design, conviviality…), as well as to its content (trademark, texts, images, illustrations, music, sounds…). These elements are the exclusive property of AXA CR or are licensed to AXA CR, and AXA CR is the authorized user of such elements.

Any other complete or partial reproduction, representation or communication of the pages, the data and any other element constituting the Website, by any process and on any support, as well as their modification, is prohibited, with the exception of prior and written authorization of AXA CR.

AXA is a registered trademark. The trademarks, service marks and logos appearing in AXA information services and/or on any other AXA Group entities’ website are the property of the AXA Group entity in question. It is strictly forbidden to use or reproduce the name AXA and/or its logos, used alone or combined, in any capacity whatsoever, without prior written agreement by AXA CR or the relevant AXA Group entity.

The non-compliance with such prohibition constitutes an infringement which can result in civil and/or criminal liability.

The User may not use the Website or its content for an improper purpose or a purpose forbidden by these terms of use, nor encourage any illegal activity, or other activity violating AXA CR’s rights or third parties’ rights.

The User is not allowed to use mechanisms, programmes, algorithms or other automatic methods to access, obtain, copy or supervise any part of the Website, nor reproduce or bypass the navigation structure or the presentation of the Website in order to obtain data, documents or information. 

Except as otherwise expressly permitted by AXA CR, User may not copy, reproduce, republish, redistribute, alter, modify, store in a retrieval system, transmit (in any form or by any means), use for creating derivative works or use in any other way for commercial or public purposes such information in any way, including removing this copyright notice.  The User can only extract and/or re-use data, documents or information from the Website when this has been expressly authorized.

The User must not attempt to access unlawfully any section or functionality of the Website, nor any other system or connected network to the Website, nor the services proposed on the Website, by hacking or using any other illegitimate means.

The User must not try to analyse or test the vulnerability of the Website or any connected network to the Website, nor violate the security and authentication measures put in place by the Website or the networks connected to the Website. The User is not authorized to question or trace information about other Users, or clients of the AXA Group, especially all Users’ accounts which are not his/her own, or set up at his/her initiative, nor to exploit the Website or the services or the information made available on the Website, in any manner, for the purpose of revealing such information, especially personal identification information or the information other than his/her own information, as they appear on the Website.

The User agrees to take no action imposing an undue or unreasonable burden on the Website's infrastructure, or systems or AXA CR’s networks, or any network connected to the Website or to AXA CR.

The User agrees not to use any mechanism or software to interfere or try to interfere with the proper function of the Website or with any transaction conducted on the Website or with any use of the Website by any other person.

The User must not try to infringe the headers or manipulate the identifying information in any manner, to mask the origin of the message or of an information sent to AXA CR using the Website, or a service offered by the Website. The User must not claim to be or represent someone else, nor pretend to be another natural or legal person.

AXA CR reserves the right at any time to modify or suspend temporarily or permanently the use of this Website and may not be held responsible for these changes, suspension or interruptions. Also, AXA CR declines and disclaims all responsibility for the dysfunctions or interruptions during the use of the Website due to power failure, defection on telephone lines and/or internet or any other damaging event out of its control.

AXA CR may not be held responsible for events out of its control and the potential damages suffered by the technical environment of the User and notably, his/her computers, software, network equipment or any other material to use the Website and/or information contained in it.

The confidentiality of correspondence is not guaranteed on the network and it is up to each User in particular to take all appropriate steps to protect his/her own data and/or software against contamination by any viruses circulating on the Internet.

The User agrees to compensate and release AXA CR from all responsibility regarding losses or complaints from third parties, due to or in relation to the use made by such User of the Website.

Cookies are used on the Website in order to constantly improve the Website and to respond effectively to consumers expectations.

All information about cookies and disabling of cookies is available in the Cookie Policy

AXA CR endeavours to keep this Website up to date. However, AXA CR guarantees neither the accuracy nor the completeness of any information presented.

Besides, to the extent permitted by applicable law, AXA CR may in no case be held responsible for any loss, damages, cost or other expenses for whatever cause, origins, natures or consequences, resulting from a visit to the Website or associated with such a visit, including without limitation, for any loss of profits, interruption of activities or loss of software or data.

The Website and its content are governed by Hong Kong law. All disputes in relation to the Website shall be subject to the exclusive jurisdiction of Hong Kong courts.