Bowtie Pure Protection Referral Program Terms and Conditions
Bowtie 純保障推薦計劃之條款及細則

Bowtie Pure Protection Referral Program (“Referral Program”) rewards you when you invite your friends and family members to purchase specified insurance products from Bowtie Life Insurance Company Limited (“Bowtie”). The terms and conditions of the Referral Program are set out below:

1. The Referral Program is applicable to the insurance products underwritten by Bowtie as specified in the table in paragraph 7 below ("Eligible Products"). 

2. The Referral Program is valid from 5th October 2020 to 30th June 2021 (both days inclusive) (“Promotion Period”) .

3. You are eligible to participate in the Referral Program as a Referrer (“Referrer”) if you hold at least one (1) in-force policy of any Bowtie VHIS plans during the Promotion Period ("Referrer's Policy"). 

4. Referrers need to login to Bowtie account to get the personalized referral code.

5. Each Referrer can earn a maximum of $20,000 BowtieCash from the Referral Program.
每名推薦人就此推薦計劃賺取最多高達$20,000 BowtieCash。

6. A referral is considered successful (“Successful Referral”) if all of the following conditions are satisfied: 

     (a). the referred person (“Referee”) has never applied to purchase nor held any Bowtie insurance policy of the Eligible Products nor been an insured person under any Bowtie insurance policy of the Eligible Products;

      (b). the Referee successfully applies and submits the first application of any Eligible Products using the Referrer's personalized referral code within the Promotion Period ("Referee's Policy") and the policy is issued on or before 30th June 2021 and remains effective until the end of cooling off period; and

     (c). the Referrer and the Referee are not the same person. 

7. Following a Successful Referral, the relevant Referrer and Referee will receive the reward as stated in the table below (“Referral Reward”).

Insurance product successfully purchased by Referee

Referrer’s reward for each  Successful Referral (“Referrer’s Reward”)

Referee’s reward for each  Successful Referral(“Referee's Reward”)

Any Bowtie VHIS Plan

$1,500 BowtieCash

4,000 BowtieCash + 2-month premium waived
(The 4th and 7th month's premium)
4,000 BowtieCash + 豁免2個月保費

Bowtie Accidental Medical Plan

$1,000 BowtieCash

4-month premium waived
(The 2nd, 4th, 6th, 8th month's premium)

Any Bowtie Cancer Medical Plan

$1,000 BowtieCash

4-month premium waived
(The 2nd, 4th, 6th, 8th month's premium)

Bowtie Term Life
Bowtie 人壽保

$1,000 BowtieCash

4-month premium waived
(The 2nd, 4th, 6th, 8th month's premium)

Bowtie Term CI
Bowtie 危疾保

$1,000 BowtieCash

4-month premium waived
(The 2nd, 4th, 6th, 8th month's premium)

8. BowtieCash can be applied to cover your eligible medical costs that exceed the benefit limit stated in the insurance policy, subject to the campaign rules of the BowtieCash Program.
BowtieCash 可於索償時支付超過保泰自願醫保計劃所載的賠償限額的合資格醫療費用,受BowtieCash推廣活動細則約束。

9. For each Successful Referral, the BowtieCash part of the Referral Reward (if any) will be allocated to the respective policy of the relevant Referrer and the Referee within thirty (30) calendar days after the Referee's Policy has remained effective for at least thirty (30) calendar days from the date of issuance, provided that both the Referrer's Policy and the Referee's Policy are in-force at the time of the allocation. If there are more than one in-force Bowtie VHIS policies in the Bowtie account of the Referrer at the time when the reward is distributed,the BowtieCash will be evenly divided and allocated to each of Bowtie VHIS policies. The premium waiver part of the Referee's Reward will be effective upon the issuance of the Referee's Policy.
就每個成功推薦,推薦獎賞中的 BowtieCash 部份(如有)將於受薦人保單獲繕發及生效至少 30 個曆日後之 30個曆日內存入相關推薦人及受薦人各自的保單。惟獎賞發放時,如推薦人的 Bowtie 帳戶中有多於一張有效的Bowtie 自願醫保保單,BowtieCash 將平均分配並存入至每張 Bowtie 自願醫保保單。惟獎賞發放時,受薦人保單及推薦人保單均必須仍然生效。而受薦人獎賞中的保費豁免將於受薦人保單獲繕發後生效。

10. Unless otherwise specified, the Referral Reward CANNOT be used in conjunction with any other promotional campaigns operated by Bowtie, nor can it be changed, returned, exchanged for other gifts or redeemed for cash.

11. Referrers and Referees are responsible for the truthfulness and accuracy of the information provided to Bowtie. Bowtie reserves the right to withhold or withdraw the Referral Reward if the information provided is false or incorrect. In such cases, no compensation or replacement will be provided and Bowtie’s decision is final. 
推薦人及受薦人有責任提供真實及準確的資料予 Bowtie。倘若提供的資料失實或錯誤,Bowtie 保留權利扣留或撤銷推薦獎賞。於此情況下,Bowtie 將不作賠償或提供替代,Bowtie 有最終決定權。

12. Referrers are not agents of Bowtie for any purposes. By merely making referrals under the Referral Program, Referrers are not: encouraging, persuading or convincing any Referees to enter into a contract of insurance; negotiating or arranging contract of insurance; inviting or inducing, or attempting to invite or induce, a person to enter into a contract of insurance; giving regulated advice; or engaging in any Regulated Activities as defined under the Insurance Ordinance (Cap. 41, Laws of Hong Kong). Referrers shall not be involved in the arrangement of the policy in any way. Referees must directly deal with Bowtie for all matters in relation to their policy applications and policies.
推薦人並非Bowtie就任何目的之代理人。推薦人在推薦計劃下單純作出推薦,並非: 鼓勵 、游說或勸服任何受薦人訂立保險合約;洽談或安排保險合約;邀請或誘使任何人訂立保險合約,或企圖邀請或誘使任何人訂立保險合約;提供受規管意見;或進行任何《保險業條例》(香港法例第41章) 中定義的受規管活動。推薦人不可參與保單之安排。受薦人必須直接與 Bowtie 處理一切與保單申請及保單相關之事宜。

13. Bowtie has the absolute discretion to decide whether or not to issue any insurance policy. 
就是否繕發任何保單, Bowtie 有絕對決定權。

14. If the Referee's Policy is in force for less than one (1) year, Bowtie reserves the right to withdraw part or all of the Referral Reward allocated in respect of the Referee's Policy. 
如果受薦人保單生效期少於一年,Bowtie 保留權利撤銷部份或全部就該受薦人保單而發放的推薦獎賞。

15. Bowtie discourages spamming.  Referrers must comply with all relevant laws and regulations including the Personal Data (Privacy) Ordinance in participating in this Referral Program.

16. Under no circumstances, including as a result of any acts or omissions of any of the Referrers or Bowtie's negligent acts or omissions or those of its  officers, employees, directors, agents, advisers, contractors, partners or other persons for whom in law it may be liable, shall Bowtie be liable for any claim, loss, damage, costs, expenses of any nature which any Referrers, Referees, or any third parties may sustain as a result of participating in this Referral Program.  Referrers undertake to indemnify Bowtie, and all of the above persons harmless from any claim, loss, damage, costs, expenses of any nature or other liability arising from or related to the Referrer's participating in this Referral Program or breach of these terms and conditions.

17. Bowtie reserves the right to amend these terms and conditions and the right to terminate this Referral Program at any time without notice. 
Bowtie 保留權利隨時修訂本條款及細則及終止本推薦計劃,並不作出任何通知。 

18. Participation in the Referral Program is deemed acceptance of these terms and conditions. 

19. If there is any inconsistency between the English and Chinese versions of these terms and conditions, the English version shall prevail.