AMG Wealth Management Limited (hereinafter referred to as "AMG" which expression shall include its successors and assigns) is remunerated for its services by the receipt of commission paid by insurers. Your agreement to proceed with this insurance transaction shall constitute your consent to the receipt of commission by AMG.
Personal Information Collection Statement
AMG Wealth Management Limited ("AMG"/"We") is committed to the protection of privacy in relation to personal information. AMG collects, uses and retains your personal information in accordance with the Data Protection Principles and all relevant provisions of the Personal Data (Privacy) Ordinance (the "Ordinance").
1) Personal information we collect and/or hold
Your personal information that we collect and/or hold, we believe to be relevant for us to understand your financial needs as well as to provide our service to you.
2) Importance of personal information collection
The provision of your personal information is on a voluntary basis; however, if you do not provide sufficient information, we may not be able to provide service to you.
3) Usage of personal information
Your personal information held by AMG may be used for the following purposes:
- establishing and serving you as a client of AMG, the third party Financial Services and/or Financial Products suppliers of AMG and their respective affiliates and/or business partners;
- constructing and maintenance of contact lists;
- determining whether any Financial Services and/or Financial Products of AMG, the third party Financial Services and/or Financial Products suppliers of AMG and their respective affiliates and/or business partners are suitable for you and to offer any such Financial Services and/or Financial Products to you;
- identity verification and records purposes;
- complying with any law or regulation binding on or applicable to AMG; and
- (with your consent -see section 7 below) direct marketing including but not limited to promoting, marketing or selling of Financial Services and/or Financial Products of AMG, the third party Financial Services and/or Financial Products Suppliers of AMG and their respective affiliates and/or business partners by electronic or other means.
4) Information confidentiality
Your personal information held by AMG will be kept confidential. But for the purpose of providing service to you, your personal information may be shared with:
- any third party Financial Services and/or Financial Products suppliers of AMG and their respective affiliates and/or business partners;
- any agent, contractor or third party services and/or products providers of AMG and the irrespective affiliate and/or business partner who provides administrative, telecommunications, computer, payment, anti-money laundering and/or other regulatory screenings and/or other services to AMG for any of the purposes set out above;
- branch, subsidiary, holding company, associated company and/or affiliates of AMG;
- any person to whom AMG is under an obligation to make disclosure under the requirement of any law or regulation binding on or applicable to AMG or any of its group companies;
- any other person under a duty of confidentiality to AMG which has undertaken to keep such information confidential; and
- any debt collection agencies.
5) Transfer of information outside Hong Kong
AMG may from time to time transfer your personal information outside Hong Kong for different purposes including processing or storage.
6) Data Access
6.1 Under and in accordance with the terms of the Ordinance, you have the right to (i) check whether AMG holds data about you and seek access to such data; and (ii) require AMG to correct any data relating to you which is inaccurate.
6.2 AMG may charge a reasonable fee for the processing of any data access request.
6.3 Requests under section 6.1 should be addressed to the following:
AMG Data Protection Officer
Unit 01, 40/F, 118 Connaught Road West, Hong Kong
7) Direct Marketing
With your consent, AMG may use any of the personal information it holds about you for direct marketing purposes in relation to Financial Services and/or Financial Products. If you do not consent to AMG using your personal information for the above purposes, and we will not do so. You may also subsequently withdraw your consent by writing to our AMG Data Protection Officer. If you exercise your right to opt-out of the use of your personal information for the above purposes, it will mean that AMG will not be able to send you any market commentary, direct marketing, targeted or special offers in the future.
This Personal Information Collection Statement shall be deemed an integral part of all contracts, agreements and other binding arrangements which you have entered into or intend to enter into with AMG.
AMG FINANCIAL GROUP ("AMG"/"We") is committed to the protection of privacy in relation to personal information. AMG collects, uses and retains your personal information in accordance with the Data Protection Principles and all relevant provisions of the Personal Data (Privacy) Ordinance (the "Ordinance").
We know that when you visit us at this Site, you depend on us to be as diligent about protecting your privacy on-line as we've always been in our more traditional interactions with you.
What kind of information does this Site collect?
We've designed our Web site to capture two types of information: automatic tracking and individualized. The first allows us to see which topics interest you most; the second helps us service your account(s).
Automatic tracking information is gathered by following your "footsteps" through this Site. The route you-and other visitors-choose tells us a little something about the people who visit our site. We use aggregate numbers to compile statistics, monitor trends and track site usage. We also use the information to make sure our technology is compatible with yours. We're then better able to offer wealth management and financial advisory services that match your needs.
Individualized information can be anything you've provided to this Site that identifies you or your account(s). For example: Your name, identity card number, birth date, address and names of your dependents are types of individualized information. We use this information to service your account(s). It's our policy to send and receive individualized information through encrypted channels only.
To use our secure services, "cookies" must be enabled. Cookies are small pieces of software that remain activated during your session in a secure area, they are deactivated when you log off.
What do you do with the information you collect about me?
We will not sell, rent or license your individualized information furnished by you to this Site unless you authorize it. But we may need to use and/or transfer it within the members of the AMG or to affiliate companies or with a third party vendor, within or outside Hong Kong, to perform administrative, technical, hosting, marketing or other functions that help us manage this Site while providing service to you. Our third party vendors subscribe to the same privacy practices as this Site.
Except as noted above, we will not release individualized information to any other party unless required to do so by government authorities or legal process or as otherwise permitted by law.
We will retain individualized information for a period necessary to attain the specified purposes.
What if I need to correct or remove information about me?
You can contact our AMG Data Protection Officer Unit 01, 40/F, 118 Connaught Road West, Hong Kong by mail.
What if I don't want you to collect, use and distribute my information?
If you don't want this Site to collect, use and distribute information about you, there are always traditional means of communication available to you. Simply pick up the phone or send your questions, comments and specific information by regular mail.
From time to time we may send informational, educational or promotional materials to you at the e-mail address you've provided.
Please remember that e-mail messages can be viewed by other Internet users while in transit. If you have individualized information to communicate, please contact your dedicated wealth adviser or e-mail us a request for a wealth adviser to contact you.
What about the links on your site? Are they secure?
Because we don't own or control all this Sites linked from this Site, we can't guarantee they're secure; therefore, we cannot assume responsibility for all their privacy practices. If you enroll with a company that is not affiliated with this Site or any members of the AMG, we urge you to review the privacy policies of any of the Web sites you visit once you leave this Site.
I'm not a Hong Kong customer. How do I fit into your privacy policies?
Your visit to this Site and any dispute over privacy is subject to this Policy, AMG’s Personal Information Collection Statement and our Legal Disclaimers/Conditions of Use including limitations of damages and the application of the laws of Hong Kong and exclusive jurisdiction of the courts of Hong Kong.
If you have any questions or comments concerning this Policy, please contact us by postal mail at:
Unit 01, 40/F, 118 Connaught Road West, Hong Kong
TERMS AND CONDITIONS
PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE ACCESSING OR USING THIS SITE. BY ACCESSING OR USING THIS SITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS OF USE. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS OF USE, YOU MAY NOT ACCESS OR USE THIS SITE. THESE TERMS AND CONDITIONS OF USE MAY BE REVISED FROM TIME TO TIME WITH SUCH REVISIONS BECOMING EFFECTIVE IMMEDIATELY UPON POSTING OF THE REVISED TERMS AND CONDITIONS OF USE. YOU AGREE TO PERIODICALLY REVIEW THESE TERMS AND CONDITIONS OF USE TO BE AWARE OF SUCH REVISONS AND THE CONTINUED ACCESS TO OR USE BY YOU OF THIS SITE SHALL BE DEEMED AS CONCLUSIVE ACCEPTANCE BY YOU OF THE REVISED TERMS AND CONDITIONS OF USE.
1. Definitions and Parties
1.1 In these Terms and Conditions of Use: "Agreement" means the agreement by and amongst AMG and the User constituted by the acceptance by the User of these Terms and Conditions of Use.
"AMG" means AMG Wealth Management Limited, its successors and assigns, as a product and service provider, operator and owner of this Site.
"Hong Kong SAR" means the Hong Kong Special Administrative Region.
"Linked Sites" means other web sites or web pages linked to the Site or to which the User can gain access by activating hyper-links contained in the Site or any other means through the Site.
"Site" means this web site.
"Terms and any Conditions of Use" means the terms and conditions of use contained herein including any subsequent modifications, additions or alterations thereto.
"User" means any person who accesses or uses this Site, whether or not such access or use lead to or result in the transaction of dealings between the User of the one part and AMG or any of the third party content or service providers of the other part.
1.2 These Terms and Conditions of Use shall be binding on AMG and the User.
2. Use of this Site
2.1 AMG's affiliation with any third party content or service providers or making available of any information about products or services on this Site should not be interpreted as an offer, solicitation or recommendation by AMG to purchase or sell any insurance services or products or an inducement to make any financial decision nor should such affiliation or making available of information be interpreted as endorsement by AMG of such products or services. Except for information or services clearly identified as being supplied by AMG, AMG does not operate, control or endorse any third party content or services in any way.
2.2 The User accepts the sole risk of accessing and using this Site and the Linked Sites. It is the responsibility of the User to evaluate and bear all risks associated with the use of any content or services on or connected to this Site or the Linked Sites. The User's sole remedy for dissatisfaction with this Site or any content or services available on or through this Site is to stop using this Site and/or those particular services.
2.3 All content and information contained in this Site is provided on an "as is" and "as available" basis and without any warranty of any kind, whether express or implied save for those mandatorily implied or imposed by the laws of Hong Kong SAR which cannot be excluded or restricted. In particular, AMG cannot and will not warrant and guarantee the service quality and performance of this Site as well as the reliability, accuracy, completeness or usefulness of any content or services on or accessed or provided through this Site or the Linked Sites.
2.4 The User will comply with all applicable laws in Hong Kong SAR and any other relevant jurisdiction relating to the use of or access to this Site or the obtaining of products or services through such use or access.
2.5 The products and services described or contained in this Site are not available outside Hong Kong SAR unless otherwise specified.
2.6 The User will not disrupt or interfere with this Site or servers or other software, hardware or equipment connected to or affiliated with this Site. The User will not collect or store any personal data about other Users of this Site.
2.7 AMG reserves its absolute right to terminate or suspend the User's right to access or use any of the content or services of this Site at any time, with or without cause or notice.
2.8 If the User uses or accesses this Site as a representative of some other person: a) all references in these Terms and Conditions to "User" shall be deemed to relate to both the person who is actually using or accessing this Site, as well as to the person whom he represents; and b) the person actually using or accessing this Site warrants that he is duly authorised to do so by the person whom he represents.
3. Disclaimer, Limitation of Liability and Indemnity
3.1 AMG disclaims any representation, warranty or responsibility in relation to the operation or quality of this Site and the Linked Sites, that this Site or the Linked Sites will be uninterrupted or error free, the accuracy, suitability or any other aspect of this Site and the Linked Sites and content or services on or accessed through this Site. To the extent permitted by law, AMG expressly disclaims any warranties whether express or implied as to the title, fitness for a particular purpose, merchantability or standard of quality of this Site and the Linked Sites and any content, goods or services contained therein unless otherwise specified.
3.2 AMG and its holding companies, associated companies, sister companies and subsidiaries expressly disclaim any liability for (i) any damage to or loss of data suffered by the User arising from or in connection with the User's access to or use of the Site or the Linked Sites; and (ii) any claim for any loss of revenue (whether direct or indirect), loss of profits or any consequential loss whether of an economic nature or not, including but not limited to any loss which the User suffers as a result of the access to and use of the Site or the Linked Sites, any error, inaccuracy, or computer virus in or introduced into the User's computer system by, through or in connection with the Site or the Linked Sites, failure of performance, omission, interruption, deletion, defect, delay in operation or transmission, communication line failure, theft or destruction or unauthorized access to, alteration of or use of record; and (iii) any claim relating to content, goods or services supplied, provided, sold or made available by or through the Site or the Linked Sites, and any disruption or suspension of the Site or any part thereof which is attributable to an event or circumstance beyond AMG's control including but not limited to acts of God, war, flood, fire explosion, civil disobedience, governmental action, legislation not in force at the of the time of these Terms and Conditions of Use, restraints imposed by governments or any other regulatory authorities, labour disputes, trade disputes or delays of parties over which AMG has no control.
3.3 The User agrees to indemnify, defend and hold harmless AMG and its holding companies, associated companies, sister companies and subsidiaries against all losses, expenses, damages and costs, including legal fees, resulting from any violation of these Terms and Conditions of Use by the User.
3.4 Whilst AMG has used all reasonable care and skills in compiling the content of this Site, no warranty is given by AMG as to the accuracy of any information on this Site and expressly disclaims any liability for any errors or omissions contained therein.
3.5 Through links contained in this Site, the User may gain access to the Linked Sites which are not maintained or controlled by AMG. When the User activates any of these links, the User will leave this Site and gain access to the Linked Sites. The access or use of the Linked Sites by the User is entirely at his own risk and subject to any terms and conditions applicable to such access and use. By providing links to the Linked Sites, AMG shall not be deemed to endorse, recommend, approve or introduce any products or services contained therein, or have any form of cooperation with the Linked Sites. AMG shall not under any circumstances accept any responsibility or liability for the contents available on or the set-up of the Linked Sites.
4. AMG and its Products
4.1 The User acknowledges that AMG is an insurance broker whose business is to arrange insurance products and services for its clients. AMG is not an insurance company, and does not underwrite any insurance risk, nor does it represent any insurance company in its dealings with the User.
4.2 No insurance coverage shall be construed as bound, in force, applied for or assumed as a result of submission of data to AMG unless and until notification of coverage has been sent to the User by AMG or the insurance company.
4.3 The User acknowledges that an insurance contract differs from other contracts in that it is based on the utmost good faith of the parties, and if utmost good faith is not observed by the insured, the contract may be avoided by the insurer. The obligation to observe utmost good faith is a continuing one which does not cease on execution of the insurance contract. The insured is obliged (i) to disclose every fact which would influence the judgment of a prudent insurer in fixing the premium or in determining whether to underwrite the risk; (ii) not to misrepresent material facts and (iii) not to make fraudulent claims. A fact is material and requires disclosure to the insurer (even not asked or prompted by the insurer in the proposal form or any other communication between them or through AMG) if it is relevant to the nature of the risk sought to be covered or to the recoverability of a claim under the policy which a prudent insured would take into account in deciding whether or not to place the risk with the proposed insurer.
4.4 The User is advised to exercise special care to check and re-check the correctness, accuracy and completeness of information provided by the User for the purpose of obtaining products and services through this Site. The User acknowledges that (i) AMG has no knowledge of the existence of facts personal to or otherwise in respect of the User which are or may be material for disclosure to the Insurer and no course of dealings between the User and AMG may impute any such knowledge to AMG; (ii) the User will place no reliance on AMG to advise or alert the User of facts which are or may be material for disclosure; (iii) the provision of any and all answers and statements in completing the proposal form, claim form, or any other material document is the User's own responsibility; and (iv) the provision of incorrect answers or information in completing the proposal form, claim form or any other material document may result in the contract of insurance being invalidated or void or claims being repudiated and loss of insurance coverage.
4.5 All products and services described in this Site or arranged by AMG are subject to the terms and conditions of any applicable agreements. The User is advised to read the relevant terms and conditions carefully and to satisfy himself that the User understands such terms and conditions thoroughly (and in appropriate case, seek professional advice on the meaning, operation and substantive effect of these terms and conditions) before the User contracts to obtain any such products or services. In case of doubt or if the User wishes to seek assistance, the User is encouraged to contact AMG's customer service department.
4.6 Unless otherwise specified, products and services described in this Site are not available to persons who are not Hong Kong residents or who do not possess legal capacity to enter into contracts, such as minors. No contract purportedly to be entered into by these persons will be binding on AMG.
4.7 The User may obtain information provided by the websites managed by AMG for non-commercial and private use. AMG and its associated companies reserve all copyrights as to such information and all contents contained in those websites.
4.8 AMG expressly disclaims all liabilities for damages to and losses of data in connection with any person's access to and use of this Site and any claim for any loss of revenue (whether direct or indirect), loss of profits or any consequential loss whether of an economic nature or not, including but not limited to any loss arising from the access to and use of this Site or any communications through this Site or otherwise (except for information contained in the final version of the insurance policy arranged by AMG) any error, inaccuracy, or computer virus introduced into the User's computer system by, through or in connection with this Site, failure of performance of this Site, omission, interruption, deletion, defect, delay in operation or transmission, any communication line failure, theft or destruction or unauthorized access to, alteration of or use of any record.
5. Collection and Use of Information
6. Intellectual Property Rights
6.1 All contents of this Site including but not limited to the text, graphics, links and sounds are the copyright of AMG and cannot be copied, downloaded, distributed or published in any way without the prior written consent of AMG.
6.2 All trademarks, trade names, logos and service marks used or displayed on this Site are owned by AMG and other applicable parties and cannot be used in any way without the prior written consent of AMG and such parties.
6.3 By submitting any information or materials to AMG by the User using this Site, the User is deemed to have granted to AMG a worldwide royalty-free perpetual license of the copyright and intellectual property rights in such information or materials for any purpose as AMG may deem fit including, without limitation, the copying, transmission, distribution and publication thereof, unless restricted by applicable law.
6.4 AMG shall not be under any obligation of confidentiality to the User regarding any information or materials submitted to AMG by the User using this Website unless agreed otherwise in a separate direct contract between the User and AMG or required by law.
7.1 This Agreement may be terminated by any party without notice at any time for any reason provided that the User will no longer access or use this Site after the User has terminated this Agreement.
7.2 Any termination of this Agreement shall not discharge, prejudice or affect in any way any right which has accrued in favour of any party hereto or any claim which one party may have against the other parties in respect of any breach of the terms hereof occurring prior to such termination.
8. General Provisions
8.1 If any part of these Terms and Conditions of Use is held unenforceable, the unenforceable part shall be given effect to the greatest extent possible and the remainder of the Terms and Conditions of Use will remain in full force and effect.
8.2 These Terms and Conditions of Use are governed by the laws of Hong Kong SAR and the parties hereby submit to the non-exclusive jurisdiction of the courts of Hong Kong SAR.