Legal

Terms of Service

The following terms and conditions (“the Terms and Conditions”) apply to all information accessed from the insuranceasianews.com web site (“the Site”). Please read them carefully. By accessing the insuranceasianews.com web site you are agreeing to the terms that appear below, whether or not you register as a user. You hereby confirm that all information that you may receive from the Site is for information purposes only and should be independently verified before relying on the same.

INTRODUCTION

This Site is owned and operated by InsuranceAsia News. Most of the material will be offered on a subscription basis and users will be asked to pay by providing their credit card details. insuranceasianews.com reserves the right to suspend or terminate a user’s access to the Site at any time and may exercise this right with or without notice.

PROPRIETARY RIGHTS

The Site and all information, material and reports on this Site are proprietary to and the copyright belongs to insuranceasianews.com or its third party partners. Copying, reproducing, republishing, redistributing or in any way modifying the information without the prior written permission of insuranceasianews.com is prohibited. All trade marks and logos appearing on the Site are insuranceasianews.com or its third party partners’. They cannot be used without the written permission of insuranceasianews.com

THIRD PARTY INFORMATION

The information available on the Site may contain information provided by third parties or from other sources or references. insuranceasianews.com will endeavour to ensure that such information is up to date and accurate at the time it is posted on the Site. Though insuranceasianews.com attempts to verify all information posted on the site, nevertheless caution should be exercised in relation to the reliability and accuracy of the information.

EMAIL NEWSLETTERS

Users may subscribe to insuranceasianews.com’s Email Newsletter service. The use of the content in these newsletters is subject to these Terms and Conditions. Users who subscribe to this service may not use the service to send, or use or re-use any material which is unlawful, threatening, libellous, indecent or which contains any form of illegal content, including infringement of copyright. Users must not use the service to send any chain e-mails.

SITE TRANSACTIONS WITH THIRD PARTIES

Third party partners of insuranceasianews.com may offer reports, consultancy services, transactional services or other information and products (“Products”) for sale on the Site. When users purchase such Products on the Site their contract is with the third party and not with insuranceasianews.com.

COMPETITIONS

insuranceasianews.com will offer competitions and prize draws on the Site from time to time. Such competitions and prize draws will be subject to the Terms and Conditions published along with these competitions and prize draws.

REGISTRATION AND PRIVACY

When registering with insuranceasianews.com users must provide accurate and complete registration information, in particular their email address. Notifying the company of changes to this personal information is the responsibility of the user and can be done by contacting. Each registration is for a single user only. Users may not share their name or password with another person or allow multiple users to log on to the Site using their identification. Users are responsible for all use of the Site made by themselves or anyone else using their identification. Use of the personal information gathered from users is covered in insuranceasianews.com Privacy Policy.

SOFTWARE

Your use of any Software on the Site will be governed by the terms of the license agreement that is included with that software.

DISCLAIMER

The content of the information and reports contained on the Site are for general information purposes only and the information should be independently verified before relying on the same. The information does not constitute any form of advice by insuranceasianews.com for users to act or refrain from making any specific decision. In particular, insuranceasianews.com and its directors accept no responsibility for any loss resulting from any matters contained on the Site.

NO WARRANTIES

insuranceasianews.com does not give any warranties including but not limited to any warranties in relation to the accuracy or completeness of any of the content, information or reports available in respect of the Site or in respect of any material and reports made available by any third party partners of insuranceasianews.com through the Site. The Site and the content, information and reports available on the Site are provided on an as is basis and insuranceasianews.com hereby disclaims all warranties and duties of whatsoever nature express or implied including without limitation any implied warranties of merchantability or fitness for a particular purpose.

LIMITATION ON DAMAGES

Users of this Site agree that insuranceasianews.com will not be liable to them or any third party for any damages that they may incur in relation to the use of the Site or any services available thereon.

CHANGES TO THE SITE AND TERMS AND CONDITIONS

insuranceasianews.com reserves the right at its sole discretion to make changes to the Site and the Terms and Conditions. Any use of the Site after the Terms and Conditions have been amended will be in accordance with the new Terms and Conditions and use of the Site after the Terms and Conditions have been amended will confirm a user’s acceptance of the new Terms and Conditions.

GOVERNING LAW

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.

GENERAL

If any provisions of these Terms and Conditions are found to be invalid by any court having jurisdiction then the invalidity of that provision will not affect the validity of the remaining provisions of these Terms and Conditions which shall remain in full force and effect.

 

Privacy

This privacy policy has been compiled to better serve those who are concerned with how their ‘Personally identifiable information’ (PII) is being used online. PII, as used in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our blog, website or app?

When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, phone number or other details to help you with your experience.

When do we collect information?

We collect information from you when you register on our site, subscribe to a newsletter or enter information on our site.

How do we use your information?

We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:

To improve our website in order to better serve you.

How do we protect visitor information?

We do not use vulnerability scanning and/or scanning to PCI standards.

We use regular Malware Scanning.

We do not use an SSL certificate

We only provide articles and information, we never ask for personal or private information like email addresses, or credit card numbers.

Do we use ‘cookies’?

We do not use cookies for tracking purposes

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies.

If you disable cookies off, some features will be disabled that make your site experience more efficient and some of our services will not function properly.

However, you can still place orders.

Third Party Disclosure

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide you with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Google

Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en

We use Google AdSense Advertising on our website.

Google, as a third party vendor, uses cookies to serve ads on our site. Google’s use of the DART cookie enables it to serve ads to our users based on their visit to our site and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.
We have implemented the following:

Demographics and Interests Reporting
We along with third-party vendors, such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions, and other ad service functions as they relate to our website.

Opting out:
Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising initiative opt out page or permanently using the Google Analytics Opt Out Browser add on.

California Online Privacy Protection Act

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. – See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf
According to CalOPPA we agree to the following:

Users can visit our site anonymously

Once this privacy policy is created, we will add a link to it on our home page, or as a minimum on the first significant page after entering our website.

Our Privacy Policy link includes the word ‘Privacy’, and can be easily be found on the page specified above.

Users will be notified of any privacy policy changes:

On our Privacy Policy Page
Users are able to change their personal information:

By emailing us

How does our site handle do not track signals?

We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.
Does our site allow third party behavioral tracking?

It’s also important to note that we do not allow third party behavioral tracking

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation’s consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.

We do not specifically market to children under 13.

Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify the users via email
We will notify the users via in site notification

Within 7 business days
We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.

CAN-SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:

To be in accordance with CAN-SPAM we agree to the following:

If at any time you would like to unsubscribe from receiving future emails, you can email us at

and we will promptly remove you from ALL correspondence.

Contacting us

If there are any questions regarding this privacy policy you may contact us using the information below.

 

info@insuranceasianews.com