Terms of Use 使用條款

Welcome to the website (“Website”) of Bowtie Life Insurance Company Limited (“Bowtie”)!

By accessing this Website and any pages within this Website, you agree to observe the terms and conditions below, any other specific terms and conditions for content or functionality that may be provided on this Website, as well as the relevant terms and conditions in force governing the services and/or products on this Website.

Bowtie reserves the right to amend the following terms and conditions. Amendments will be effective immediately upon being displayed on the Website. Your continued use of the Website will represent your agreement to observe the amended terms and conditions.

Bowtie has the right to withdraw, suspend and/or terminate all or part of anyone’s access to the Website at any time without notice, and all terms and conditions below shall survive termination.

Use of Information and Materials

The information and materials on this Website, including text, graphic, recommendations, models, illustrations, links or other items (collectively, the “Content”), are provided for general information only, and are provided without regard to the objectives, situation or specific needs of any particular person. The Content should not be relied on or used as a basis for making financial decisions without independently assessing and verifying the Content. Persons accessing this Website are advised to seek appropriate professional advice based on their own needs for any particular product or service contained in this Website. All information contained in this Website shall only be used for reference only and should not be treated as any advice given by Bowtie.

Bowtie does not accept liability for any loss or damage arising directly or indirectly from the reliance on any Content contained on or accessed through the Website. Bowtie shall not be responsible to anyone for any costs, liabilities and losses whatsoever arising from the use of this Website, unless such costs, liabilities and losses are directly and proven to be caused by the fraud, gross negligence and/or deliberate false representation of Bowtie.Bowtie reserves the right to change any Content in this Website without notice.

Copyright, Trademarks and Intellectual Property Rights

Unless indicated otherwise, Bowtie owns the copyright of all Content within this Website. All Content are subject to copyright laws with all rights reserved. Users are allowed to download and/or print individual sections of this Website for personal use and reference on the condition that all copyright and other proprietary notices are retained. Users are not allowed to reproduce (in whole or in part), modify, decompile, disassemble, copy, store, distribute, transmit or use for any commercial purpose whatsoever any Content from this Website without prior written permission of Bowtie.All trademarks, logos and service marks and related intellectual property rights displayed on this Website are either owned by Bowtie or other third parties and are protected. Using these trademarks, logos and service marks without prior written permission of Bowtie or the owners of the relevant trademarks, logos and service marks are prohibited.

No Warranty

All Content in this Website are provided "as is", "as available".

Bowtie does not warrant the accuracy, adequacy, currency or completeness of such Content, and expressly disclaims liability for errors or omissions in this Content. No warranty of any kind, implied, express or statutory, including the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the Content.

While Bowtie shall use all reasonable endeavors to make this Website available, nothing herein should be construed or be regarded as a warranty that this Website will be available (whether uninterrupted or available at all). Bowtie shall at any time, in our sole and absolute discretion and without prior notice, be entitled to suspend the operations of this Website – temporarily (for maintenance purposes or in the event of excess demand for the Website) or permanently – without any liability whatsoever.

Limitation of Liability

Bowtie will not be liable in any event for any damages (including direct or indirect, special, incidental, or consequential damages, losses or expenses), however caused, arising in connection with this Website or use thereof or inability by anyone to use, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Bowtie, or representatives thereof, are advised of the possibility of such damages. Bowtie will also not accept responsibility for any such damages suffered by anyone arising out of the use of or reliance on the accuracy, adequacy, currency or completeness of the Content on or accessed through our Website.


Our Website may contain hyperlinks to other websites. Such hyperlinks are provided for convenience only and Bowtie does not undertake to ensure that such hyperlinks remain current or are maintained. The content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by Bowtie. Bowtie does not make any representations or warranties about any other website. Users access such hyperlinks entirely at their own risk.

Submission of Information

All information submitted via this Website to Bowtie shall be regarded as and remain the property of Bowtie, and Bowtie shall retain the right to use, for any purposes, any ideas, concepts, know-how or techniques contained in such information. Bowtie shall not be subject to any obligations of confidentiality regarding submitted information except as agreed under direct customer relationship with Bowtie or as otherwise specifically agreed or required by law.

Internet Communications

Bowtie will not be responsible for any direct, indirect, special or consequential damages incurred by users if they send messages over the internet to Bowtie, or if Bowtie sends a message over the internet to them upon their request.

Governing Law and Jurisdiction

The above terms and conditions shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region.

All disputes arising from, out of or in relation to the terms in these terms and conditions shall be referred to and finally resolved by arbitration in Hong Kong in accordance with the rules of Hong Kong International Arbitration Centre (“HKIAC”) that may be in force from time to time. The arbitration tribunal shall consist of a single arbitrator to be appointed by us. The decision of the arbitrator shall be final and binding. The language of the arbitration shall be in English.

Cookies Policy

Bowtie Life Insurance Company Limited (“Bowtie”) may use "Cookies" to improve our internet service to the visitors of our website (“Website”). This Cookie Policy explains how Bowtie use cookies. By using our Website, you agree to the use of Cookies as outlined in this policy.

If you do not wish to accept Cookies from our Website, you can disable Cookies by changing the web browser settings on your devices. You should be aware that blocking Cookies may affect your ability and experience with using our Website.

In case of discrepancies between the English and Chinese versions of this policy, the English version shall apply and prevail.

What are Cookies?

Cookies are small text files containing a small amount of information. When you visit a website, Cookies are automatically stored on the web browser in your computer or mobile device and the website will try to retrieve Cookies to remember you and your preferences to better arrange content to suit your interests.

What Information are Collected by Cookies?

Cookies collect anonymous visitor’s personalized settings information. They do not collect name, address or any information that will enable anyone to contact you via telephone, e-mail or any other means. Cookies do not store customer personal data.

How do we use Cookies?

We may use Cookies to compile and retain anonymous, aggregated statistics to better understand how our Website is used so that we can improve user experience. Cookies do not let us identify visitors to our Website personally.

We may also engage third parties which use applications such as (but not limited to) Google Inc. to conduct research on certain usage and activities on parts of our website. Such applications help us identify any technical issues and improve the way in which our Website caters to visitors’ needs. Any information collected through the use of these applications is aggregated, and no customer personal data is collected or stored by these third parties or shared with us.

Security Alert

Bowtie wishes to alert members of the public of the following websites:


These websites/media platforms are not in any way connected with Bowtie Life Insurance Company Limited. The products and services offered on these websites are not authorized by Bowtie, and Bowtie accepts no responsibility for any transactions or dealings with these websites.

If you have any questions regarding Bowtie’s official website, please contact us on +852 2152 0632 or email us at hello@bowtie.com.hk.