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By using this website, the user or viewer agrees to be bound by the content of this disclaimer as it may be amended by Melbourne Insurance Group (“MIG”) from time to time and posted on this website.
1. The web user or viewer expressly agrees that the use of our website is at the sole risk of the web user or viewer.
2. No information contained in this website should be regarded as an offer to sell, to subscribe to, or provide any recommendation with respect of any insurance products. The users and viewers should consult their own professional consultants or advisors before making any investment or financial decision or purchasing any product.
3. No part of this web site may be permanently copied, modified, reproduced, transmitted and distributed in any form including but not limited to electronic or digital form for commercial or public use without the prior written permission of MIG.
4. This disclaimer of liability applies to any damages caused by any failure of performance, error, omission, interruption, deletion, defect or delay in operation of transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of or use of records, whether for breach of contract, tortuous behavior, negligence, or under any other cause of action. The user or viewer agrees that your use of the Website is at your own risk and that you will not hold us responsible for any damage or loss caused by your inability to use the Website for any reason whatsoever. We reserve the right to take any part or all of the Website offline for various reasons including but not limited to system maintenance or upgrading.
5. MIG has no control over linked web-sites and are not responsible for the content of any linked web-sites or any changes or updates of these web-sites. MIG expressly disclaims any responsibility for any loss or damage of any kind incurred as a result of the use of the Online Application services or the content of any linked websites. Use of hyperlinks to other internet sites or resources is at the user or viewer’s own risks and MIG cautions the user or viewer to make sure that you completely understand your own risk before using, replying upon or purchasing anything via the Internet. 
6. The Website (excluding the linked sites) is hosted by us from our office in Hong Kong. By accessing the website, the user or viewer agrees that any claim relating to the Website shall be governed by the laws of Hong Kong without giving effect to any principles of conflicts of laws, provided that MIG reserve the right to pursue civil or criminal proceedings in any jurisdiction having control over you or your assets. The user or viewer also agrees to submit to the non-exclusive jurisdiction of the Hong Kong courts.
     Note : If there is any inconsistency between in English and Chinese versions, the English version shall prevail.

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