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電子通知、記錄及簽署協議

  • 本電子通知、記錄及簽署協議(「協議」)為保泰人壽保險有限公司(「保泰」、「我們的 」或 「我們」)與已向我們註冊帳戶(「保泰帳戶」)以接受保泰可能不時提供的一些保險、數據、技術、分析以及其他商業服務(各稱 「服務」)的機構或個人(「你」、「你的 」或 「使用者」)之間的法律協議。
  • 如果你不明白本協議的任何條款,請在使用服務前聯繫我們。本協議包括免責聲明及其他重要事項。 
  • 本協議不會取代或替代現行管轄你的保單或服務的使用的任何條款及細則。如本協議與該等條款及細則有任何歧義,將以後者為準。
  • 註冊保泰帳戶即代表你你同意本協議中的所有條款及細則。除非你如此同意,否則你不能使用任何服務
  1. 對電子簽署及電子記錄的同意
    i. 你的保泰帳戶的密碼構成你的電子簽名。
    ii. 我們可接納並依據你在保泰賬戶使用你的電子簽署簽署、簽立或接納的任何文件、協議、通知、信函、表格或其他指示行事,並把它們視為已由你正式簽署、簽立或接納,且無需再向你查證。
    iii. 電子記錄為書面的文件正本。你不會基於其屬於電子形式而質疑其有效性、可接納性(不論是否於法院)或可執行性。
  2. 保泰帳戶信息
    你必須建立一個保泰帳戶以使用服務。你在此申述及保證你在註冊時以及在所有其他時侯(包括但不限於保單申請及索賠過程)向保泰提供的資訊是 / 將會是真實、準確、最新及完整的。
  3. 發送方法
    i. 我們可以透過在我們的網站上發佈、以電子方式如電郵或短訊分別傳送至你在保泰帳戶中指明的電郵地址及電話號碼,向你提供通知(「通知」),該通知可能包括關於你的保泰帳戶或保單、服務的變更或我們需要向你提供的其他資訊。
    ii. 以電子方式發送的通知與實體提供給你的通知具有同等的法律效力。
    iii. 你將於我們在我們的網站上獲發佈通知或以電子方式發出通知予你之時(惟我們收到發送失敗通知除外)(以較先者為準),被視為已經收到通知。
    iv. 如果因為你的電郵或電話號碼變更或無效,系統故障、通信系統受干擾或其他不在我們控制範圍內的原因而導致你沒有收到通知,我們概不負責。
    v. 你可以按照短訊或我們的網站上提供的指示來關閉以短訊接收通知的功能。然而,若關閉短訊通知,你可能亦會關閉你的保泰帳戶中的重要保安功能(詳情請見下述第 5 段)。
  4. 發送要求
    你需要電腦或行動裝置、互聯網連接及已更新的瀏覽器來使用服務及/或查閱通知。如果你在查閱通知時遇到問題,請與我們聯繫。你需要承擔任何電訊服務供應商可能收取的任何相關費用。
  5. 私隱及保安
    你需要透過使用者識別碼及密碼來使用你的保泰帳戶及我們的某些服務。如我們認為有須要,我們可採取額外的步驟來驗證你對保泰帳戶的控制權(例如通過使用短訊作出兩步驗證)。你將採取一切合理的預防措施,防止欺詐或未經授權使用你的保泰帳戶。如你懷疑第三方已獲取你的保泰帳戶密碼,或者任何未經授權而使用你的保泰帳戶或服務的情況可能或已經發生,你將立即通知保泰。
  6. 終止本協議
    除非你同意上文包括你同意以電子方式收發通知的條文,否則你不能使用任何服務。你可以通過終止你的保單及你的保泰帳戶來終止本協議及撤銷你就以電子方式收發通知的同意書。
  7. 責任限制
    就有關使用或無法使用我們的服務或任何人未經授權或非法使用你的保泰帳戶或服務而產生的任何損失、損害或費用,包括但不限於任何直接、間接、可預見、不可預見、相應而生、專項、附帶或懲罰性的損害,我們概不負責,除非它們是完全及直接由我們的嚴重疏忽或故意過失所造成的。
  8. 修訂
    我們保留權利在任何時候修訂本協議。修改將於其在我們的網站上獲發佈或我們以電子方式把它發出予你時生效。如果你不同意修訂後的協議,你可以自行決定拒絕接受它,但你將不能再使用部分或全部服務。如果你在協議的修訂生效後以任何方式使用服務,你將被視為已同意所有的修訂。
  9. 管轄法律
    本協議受香港法律管轄,並應根據香港法律詮釋。你接受香港法院的非專屬司法管轄權。
  10. 語言
    如本協議的英文及中文版本有任何歧義,將以前者為準。

Electronic Notice, Records and Signature Agreement


  • This Electronic Notice, Record and Signature Agreement ("Agreement") is a legal agreement between Bowtie Life Insurance Company Limited ("Bowtie", "us", or "we") and the entity or person ("you", "your", or "user") which / who has registered an account with us ("Bowie Account") to receive certain insurance, data, technology, analytic and other business services that may be offered by Bowtie from time to time (each a "Service"). 
  • If you do not understand any of the terms of this Agreement, please contact us before using the Services. This Agreement includes disclaimers of liability and other important matters.
  • This Agreement does not supersede or replace any existing terms and conditions governing your insurance policy(ies) and use of the Services.  If there are any inconsistencies between this Agreement and those terms and conditions, the latter shall prevail.
  • By registering a Bowtie Account, you agree with all of the terms and conditions in this Agreement.  You cannot use any Services unless you agree as such.
  1. Consent to Electronic Signatures and Electronic Records
    i. Your password of your Bowtie Account constitutes your electronic signature.
    ii. We may accept and act on any document, agreement, notice, letter, form or other instructions signed, executed or accepted via your Bowtie Account using your electronic signature as if they had been duly signed, executed or accepted by you without further reference to you.
    iii. Electronic records are original documents in writing.  You shall not challenge the validity, admissibility (whether in Court or otherwise) or enforceability of electronic records on the basis that they are in electronic form.
  2. Bowtie Account Information
    In order to use the Services, you need to create a Bowtie Account. You hereby represent and warrant that the information you provide to Bowtie upon registration, and at all other times (including without limitation, insurance applications and claims processes), is / will be true, accurate, current, and complete.
  3. Methods of Transmission
    i. We may provide notices ("Notice") to you, which may include notifications about your Bowtie Account or insurance policy(ies), changes to the Services, or other information that we are required to provide to you, through publishing them on our website, electronic means such as email or text messages to the email address and phone number identified in your Bowtie Account respectively. 
    ii. Electronic transmission of a Notice has the same legal effect as if it is provided to you physically. 
    iii. A Notice is deemed to be received by you upon it being published on our website or at the time of the electronic transmission of the Notice unless we receive a delivery failure receipt, whichever is earlier.
    iv. We will not be responsible in the event that a Notice is not received by you due to a change or invalidity of your email address, phone number, system failure, interruptions in the communication systems or other reasons beyond our control.
    v. You may disable Notice by text messages by following instructions provided in the messages or on our website. However, by disabling Notice by text messages, you may also disable important security features on your Bowtie Account (see paragraph 5 below for details).
  4. ‍‍Requirements for Delivery
    You will need a computer or mobile device, Internet connectivity, and an updated browser to use the Services and/or view the Notices. If you have problems viewing any Notices, please contact us. You shall bear any relevant fees which may be imposed by any telecommunications service providers.
  5. Privacy and Security
    You will need to use a user identification code and password in order to use your Bowtie Account and some of our Services. Where we consider necessary, we may require additional steps to verify your control over your Bowtie Account (such as through two-step verification using text messages). You shall take all reasonable precautionary measures to prevent fraudulent or unauthorized use of your Bowtie Account.  You shall notify Bowtie immediately if you suspect that a third party has obtained your Bowtie Account password, or if any unauthorized use of your Bowtie Account or Services may occur or has occurred.
  6. Terminating this Agreement
    You cannot use the Services unless you agree to the above including the provisions relating to your consent to the electronic transmission of Notices.  You may terminate this Agreement and withdraw your consent to transmit Notices electronically by terminating your insurance policy(ies) and your Bowtie Account.
  7. Limitation of Liability
    We will not be liable or in any way responsible for any loss, damages or expenses that you may incur, including without limitation, any direct, indirect, foreseeable, unforeseeable, consequential, special, incidental or punitive damages, in connection with your use of or your inability to use our Services or any unauthorised or unlawful use of your Bowtie Account or Service by anyone unless they are caused solely and directly by our gross negligence or wilful default.
  8. Modification
    We reserve the right to modify this Agreement anytime. The modification will be effective upon being published at our website or issued to you by electronic means. If you do not agree to the modified Agreement, you are free to reject it but you will no longer be able to use some or all of the Services. If you use the Services in any way after the modification to the Agreement has become effective, you are deemed to have agreed to all of the modifications.
  9. Governing Law
    This Agreement is governed by and should be construed in accordance with the laws of Hong Kong. You submit to the non-exclusive jurisdiction of the courts of Hong Kong.
  10. Language
    If there are any inconsistencies between the English and the Chinese version of this Agreement, the former shall prevail.