Terms and Conditions

Terms and Conditions

What you should know when surfing our website




  • These Terms (together with the documents and links referred to in it) tells you the terms on which you may make use of our website https://www.libertyinsurance.com.hk/ (the Site)

  • Use of the Site includes accessing, browsing, or downloading documents provided under the Site (Use/Using)

  • You should read these Terms carefully before using the Site

  • By using the Site or otherwise indicating your consent, you agree to be bound by these Terms of Use and the documents referred to in them

  • If you do not agree with or accept any of these Terms, you should stop using the Site immediately

  • If you have any questions about the Site, please contact us by:

    • E-mail to admin@libertymutual.com.hk or

    • Telephone at (852) 2892 3888 from Monday – Friday (except Public Holidays) between 8:45am to 12:45pm or 1:45pm to 5:30pm. Please note, we may record calls for quality and training purposes


Content means any text, images, video, audio or other multimedia content, software or other information or material submitted to or on the Site
Terms means these terms and conditions of use as updated from time to time
Unwanted Submission has the meaning given to it in point 1 of Ownership, Use and Intellectual Property Rights clause
Acceptable Use Policy means the policy https://www.libertyinsurance.com.hk/acceptable-use-policy, which governs your permitted use of the Site
Cookie Policy means the policy https://www.libertyinsurance.com.hk/cookie-policy, which governs how we use cookies in the Site
Mobile App Privacy Policy means the mobile application privacy policy https://www.libertyinsurance.com.hk/mobile-application-privacy-policy
Laws means all applicable legislation, ordinances, including but not limited to statutory rules, regulations, codes, and guidelines within Hong Kong and any similar or equivalent laws in any other relevant jurisdiction
Privacy Policy means the policy https://www.libertyinsurance.com.hk/privacy-policy, which governs how we process any personal data collected from you
PICS means the Personal Information Collection Statement https://www.libertyinsurance.com.hk/personal-information-privacy-statement
We, Us or Our means Liberty International Insurance Limited, which has a principal place of business at 13/F, Berkshire House, 25 Westlands Road, Quarry Bay, Hong Kong. We are an authorised insurer in Hong Kong regulated by the Insurance Authority of Hong Kong.

The websites of other related companies may be hyperlinked to the Site and contain separate terms of use and privacy policies that are applicable to those websites. Any references to Us in those websites are references to Us per these Terms.
You or Your means the individual Using the Site or its Content



The Site is for your personal and/or commercial use only

  • You agree that you are solely responsible for:

    • all costs and expenses you may incur in relation to your use of the Site; and
    • keeping your password and other account details confidential.

  • The Site is intended for the use only by those who can access it from within the Hong Kong Special Administrative Region (HKSAR). If you choose to access the Site from locations outside HKSAR, you are responsible for compliance with local laws where they are applicable

  • By using the Site and all others owned and maintained by Us, it means that you comply with Our Acceptable Use Policy, Our Privacy Policy, our Cookie Policy and Our Online terms and conditions for the supply of services (if any), where applicable

  • Terms may be revised at any time by us. We reserve the right, at our sole discretion, to change, modify or remove part of these Terms at any time. You are bound by any such revisions if you continue to use the Site. We suggest you periodically visit this page to review the most recent Terms

  • If you decide to purchase insurance products or services from us through the Site, the terms and conditions specified in your policy or agreement will apply. All references to "Liberty International Insurance" refers to Liberty International Insurance Limited

  • We seek to make the Site as accessible as possible. If you have any difficulties using the Site, please contact us at admin@libertymutual.com.hk.

  • We may prevent or suspend your access to the Site if you do not comply with any part of these Terms, and/or any terms or policies to which they refer or any applicable Law.



  • This Site and all intellectual property rights in it including but not limited to any Content are owned by us, our licensors, or both (as applicable). Except as otherwise expressly permitted in writing by us, no materials from this website or any website owned, operated, licensed, or controlled by Liberty International Insurance may be copied, reproduced, republished, uploaded, posted, transmitted, hyperlinked, or distributed in any way

  • Intellectual property rights mean rights such as copyright, trademarks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind whether or not they are registered or unregistered (anywhere in the world). We, and our licensors, reserve all of our, and their rights, in any intellectual property in connection with these Terms. This means, for example, that we, and they, remain owners of them and free to use them as we, and they, see fit

  • You may download material displayed on this website for your use only, provided you do not remove any copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, link, or use the content of the Site for public or commercial purposes, including the text, images, audio, and video without our written permission

  • Nothing in these Terms grants you any legal rights in the Site other than as necessary to enable you to access the Site. You agree not to adjust to try to circumvent or delete any notices contained on the Site (including any intellectual property notices) and in particular in any digital rights or other security technology embedded or contained within the Site

  • Images displayed on this website are either the property of, or used with permission by, Liberty International Insurance. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by us. Any unauthorised use of the images may violate the intellectual property, privacy, and other such Laws



  • The software may be made available for you to download and/or use from the Site or hyperlinked from the Site. You may only use such software if you agree to be bound by the terms and conditions that apply to such software (this is sometimes known as an ‘end-user licence agreement’ or ‘EULA’). You will be made aware of any terms and conditions that apply to the software when you try to download it. If you do not accept such terms and conditions, you will not be allowed to download the software. You should read any terms and conditions carefully to protect your own interests, what your legal responsibilities are when using software, what the software provider’s legal responsibilities are, and provisions that limit a software provider’s legal responsibilities to you

  • All such software is solely for your personal use in a non-commercial manner

  • Using the software in an unlawful way (such as reproducing or redistributing it in a way that breaches these Terms and any others that apply to it) is expressly prohibited and may result in civil and criminal penalties



  • While we try to make sure that the Site is secure, we cannot guarantee the security of any information that you supply to us and therefore we cannot guarantee that it will be kept confidential. For that reason, you should not let us have any patentable ideas or patent applications, advertising or marketing suggestions, prototypes, or any other information that you regard as confidential, commercially sensitive, or valuable (Unwanted Submissions). While we value your feedback, you agree not to submit any Unwanted Submissions

  • We may use any Unwanted Submissions as we see reasonably fit on a free-of-charge basis (bear in mind that we have no way of knowing whether such information is confidential, commercially sensitive, or valuable because we do not monitor the Site to check for these matters). Therefore, we will not be legally responsible for keeping any Unwanted Submissions confidential nor will we be legally responsible to you or anybody else for any use of such Unwanted Submissions



  • While we try to make sure that the Site is accurate, up-to-date, and free from bugs, we cannot promise that it will be. Furthermore, we cannot promise that the Site will be fit or suitable for any purpose. Any reliance that you may place on the information on this Site is at your own risk

  • We may suspend or terminate the operation of the Site at any time as we see fit

  • You may have certain legal rights when using the Site (such as if the Online terms and conditions for the supply of goods apply to you)

  • Content is provided for your general information purposes only and to inform you about us and our products and news, features, services, mobile applications, and other websites that may be of interest. It does not constitute technical, financial, or legal advice or any other type of advice and should not be relied on for any purposes

  • While we try to make sure that the Site is available for your use, we do not promise that the Site is available at all times nor do we promise the uninterrupted use by you of the Site


The Site may contain hyperlinks or references to third-party websites other than the Site. Any such hyperlinks or references are provided for your convenience only. We have no control over third party websites and accept no legal responsibility for any content, material, or information contained in them. The display of any hyperlink and reference to any third party website does not mean that we endorse that third party's website, products, or services. Your use of a third party site may be governed by the terms and conditions of that third party site. You may not provide hyperlinks to this web site without the prior written consent of Liberty International Insurance. If you have difficulty linking to any hyperlinked websites or to report a dead (non-working) link, please send us an e-mail at admin@libertymutual.com.hk.

We shall have no liability to you for any breach of these Terms caused by any event or circumstance beyond our reasonable control including, but not limited to, strikes, lock-outs or other industrial disputes; breakdown of systems or network access; or flood, fire, explosion or accident.

No one other than a party to these Terms has any right to enforce any of these Terms.

No changes to these Terms are valid or have any effect unless agreed by us in writing. We reserve the right to vary these Terms from time to time. Our updated terms will be displayed on the Site and by continuing to use and access the Site following such changes, you agree to be bound by any variation made by us. It is your responsibility to check these Terms from time to time to verify such variations.


  • The information and descriptions contained on our website are not intended to be complete descriptions of all terms, exclusions, and conditions applicable to every insurance product or service offered by Liberty International Insurance, but are provided 'as is' and for general informational purposes. Liberty International Insurance makes no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies, or typographical mistakes. Liberty International Insurance does not warrant that the Site will operate error-free or is free from viruses, worms, Trojan horses, or other destructive or harmful code. Liberty International Insurance and its related companies, directors, officers, and employees also assume no responsibility, and shall not be liable for, any damages to your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure

  • It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page set up by any entity of Liberty International Insurance is distributed with the understanding that the authors, publishers, and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use. You are advised to consult your own legal or tax advisor with respect to your personal situation



  • To the maximum extent provided by Law, Liberty International Insurance and its related companies, directors, officers, and employees shall not be liable to you for damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this Site or the materials or services provided on this Site or the products or services received from this Site. Exemptions of implied warranties may not be allowed in all jurisdictions



  • Liberty International Insurance makes no representation that all insurance products and services on this website are appropriate or available for use in your country which is outside the HKSAR. Some insurance products and services may not be available in all countries or jurisdictions. If you choose to access this Site you do so on your own initiative and are responsible for compliance with any local, state, and federal Laws

  • The information contained on this Site is not an offer to sell or a solicitation to buy, any insurance product or service. No insurance product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or other laws of such jurisdiction. The use of this site will be governed and construed in accordance with the laws of the Hong Kong SAR. The courts of the HKSAR will have exclusive jurisdiction in relation to these Terms



In the event of any discrepancy or inconsistencies between the English and Chinese versions of this notice, the English version shall prevail.