Welcome to FWD's website! Please read the following terms and conditions carefully which govern the access to and use of our fwd.com website (URL: https://www.fwd.com/) and its subdomains (the “Websites”) and any information, text, graphics, photos, or other content uploaded to, downloaded from or appearing on the Websites (collectively, the “Materials”), and various services operated by us (collectively, the “Services”) . By accessing these Websites, you are agreeing to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, please do not access these Websites.
We may amend these terms and conditions from time to time, without providing notice to you and without giving any reason for doing so, by posting an updated version of the terms and conditions on the Websites. You should regularly check these terms and conditions for any amendments. If these terms and conditions are amended, you must comply with the updated terms and conditions. If you do not agree to the updated terms and conditions, you must immediately cease using these Websites.
We do not guarantee that our Websites, or any content on them, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Websites for business or operational reasons.
Intellectual Property and Use of the Websites
Unless otherwise indicated, copyright of all materials and contents found on the Websites are owned by FWD Group Holdings Limited or its subsidiaries or associated companies from time to time (hereinafter referred to as "the Company") unless otherwise indicated. All trademarks, logos and service marks displayed on the Websites and/or Materials are protected and users are prohibited from using the same without written permission of the Company or the owners of the relevant trademarks, logos and service marks, as the case may be.
The Materials are protected by copyright and no part of such materials can be modified, reproduced, resold, republished, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, licensed, used for creating derivative works or used in any other way for commercial or public purposes without the Company's prior written consent. You agree to abide by all applicable proprietary rights and laws, as well as any trademark or copyright notices or restrictions contained in these terms and conditions.
Except as otherwise indicated elsewhere on the Websites, you may view, download and print the Materials available on the Websites subject to the following conditions:
Use of information and materials
The information and Materials contained in these pages (including the terms, conditions, and descriptions that appear) are subject to change.
Products and Services referred to in the Websites are only offered in jurisdiction where and when they may be lawfully offered by the Company. The Materials on these pages are not intended for use by persons located in or resident in jurisdictions that restrict the distribution of such Materials by us. Persons accessing these pages are required to observe any relevant restrictions.
These pages should not be regarded as an offer or solicitation to sell any products or Services in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdiction (including, without limitation, the People’s Republic of China).
Persons accessing these pages are advised to obtain appropriate professional or specialist advice based on their own needs for any particular product or service contained in these pages. You must obtain such professional or specialist advice before taking, or refraining from, an action on the basis of the content on our site.
The content on our Websites is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on the Websites. The information and Materials contained in the Websites, including text, graphics, links or other items are provided "as is", "as available". Although we make reasonable efforts to update the information on our Websites, the Company does not warrant the accuracy, adequacy or completeness of this information and Materials and expressly disclaims liability for errors or omissions in this information and Materials. No warranty of any kind, implied, express or statutory, including the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and Materials. Without limiting the foregoing, we make no warranty or condition that (i) the Services and Materials in the Websites will meet your requirements, (ii) the Services and Materials will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the Services or Materials will be effective, accurate or reliable, or (iv) the quality of any Services or Materials purchased or obtained by you from the Websites will meet your expectations.
Limitation of liability
In no event will the Company be liable for any damages, including direct or indirect, special, punitive, incidental, or consequential damages, losses or expenses arising in connection with the Websites or use thereof or inability to use by any parties, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if the Company, or representatives thereof, are advised of the possibility of such damages, losses or expenses. Hyperlinks to other Internet resources are used at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by the Company. We do not exclude or limit in any way to you where it would be unlawful to do so.
You agree to indemnify, defend, and hold us, and our directors, officers, agents, representatives, co-branders or other partners, and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of content you submit, post to or transmit through the Websites, your conduct in connection with the Websites or Services, your use of the Services, your violation of these terms and conditions, or your violation of any rights of another person or entity. We reserve the right, at our own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defences.
To the fullest extent permitted by applicable law, you release us and our directors, officers, agents, representatives, co-branders or other partners, and employees from responsibility, liability, claims, demands, and/or damages (actual and consequential) of every kind and nature, known and unknown (including, but not limited to, claims of negligence), arising out of or related to disputes between you and the acts or omissions of third parties.
Links to third party websites
There are links to third party websites which are not controlled by the Company. The Company shall not be deemed to guarantee or endorse the content on third party websites, and shall not be in any way responsible for the content on these websites. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. The Company shall also not be liable for any damages or losses incurred or suffered by you, arising out of or in connection with your use of third party websites.
Submission of information
All information submitted to the Company via these Websites 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 these Websites. The Company shall not be subject to any obligations of confidentiality regarding submitted information except as agreed with the Company having the direct customer relationship or as otherwise specifically agreed or required by law.
If you post, upload, input, provide or submit your personal data to us, including without limitation, your name, email address, IP address, text or other information and Materials, or sign up to our mailing list or create an account on the Websites (collectively, your “User Content”), you must ensure that the User Content provided by you at that or at any other time is true, accurate, up to date and complete and that any User Content you post, upload, input, provide or submit to us or via the Websites do not breach or infringe the intellectual property rights of any third party. We do not own, control or endorse any User Content that is transmitted, stored or processed via the Websites or sent to us and we are not responsible or liable for any User Content. You are solely responsible and liable for all of your User Content, and you represent and warrant that (i) you own all intellectual property rights (or have obtained all necessary permissions) to provide your User Content and to grant the licenses in these terms; (ii) your User Content will not violate any agreements or confidentiality obligations; and (iii) your User Content will not violate, infringe or misappropriate any intellectual property right or other proprietary right, including the right of publicity or privacy, of any person or entity.
Although we have no obligation to screen, edit or monitor User Content, we reserve the right and have absolute discretion, to remove, screen or edit User Content. Further, if we have reason to believe that there is likely to be a breach of security, breach or misuse of the Websites or if you breach any of your obligations under these terms or the Privacy Notice, we may suspend your use of the Websites at any time and for any reason.
You are prohibited from using the Websites to post or transmit any threatening, libellous, defamatory, obscene, scandalous, inflammatory, pornographic or profane material, any material that is contrary to applicable local, federal, or international laws and regulations, or any material that could constitute or encourage unlawful conduct. We may from time to time monitor or review material transmitted or posted using the Websites, and we reserve the right to delete any material our Company deems inappropriate. We are under no obligation to do so and assume no responsibility or liability arising from any material transmitted or posted using the Websites.
Messages sent over the Internet cannot be guaranteed to be completely secure. The Company will not be responsible for any damages incurred by users if they send a message to the Company, or if the Company sends a message to them upon their request, over the Internet. The Company is not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of these Websites.
Communications over the Internet may be subject to interruption, transmission blackout, delayed transmission due to Internet traffic or incorrect data transmission due to the public nature of the Internet or otherwise.
Responsibility for Viruses
We do not guarantee that our Websites will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.
You must not misuse our Websites by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Websites, the server on which our Websites are stored or any server, computer or database connected to our Websites. You must not attack our Websites via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under applicable law. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Websites will cease immediately.
The Company will not collect any personal information that identifies a visitor to these Websites unless specified otherwise. Your visit to these Websites will record only the Domain Name Server part of your email address and of the pages visited. Such information will be used to prepare aggregate information about the number of visitors to the website and general statistics on usage patterns of these Websites.
The Company is committed to the implementation and compliance with the provisions of the Personal Data (Privacy) Ordinance at all times. For details of the Personal Data Protection Policy and Practices of the Company, please visit: https://www.fwd.com/privacy-notice/
These terms and conditions, their subject matter and their formation, and our relationship with you will be governed by the laws of Hong Kong SAR.
Inconsistency in wordings
If there is any ambiguity or inconsistency between the English and local language versions of these terms and conditions, the English version will prevail.
The courts of Hong Kong shall have exclusive jurisdiction in the event of any dispute between you and us that arise out of or in connection with your access or use of the Websites and Services.
In the event that any provision of these terms and conditions is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these terms and conditions, such determination shall not affect the validity and enforceability of any other remaining provisions.
If you have any questions or feedback about these terms and conditions, please contact us at:
Business address: 13/F, 14 Taikoo Wan Road, Taikoo Shing, Hong Kong
Date of last update: 15 September 2021