Terms and Conditions of Use

Definitions

In the Terms and Conditions of Use (“Terms”) outlined below,

“10Life Group Companies” refers to 10Life Group Limited (incorporated in Hong Kong under company number 2366460) and its wholly owned subsidiaries, including 10Life Hong Kong Limited (incorporated in Hong Kong under company number 2389344) and 10Life Financial Limited (incorporated in Hong Kong under company number 1154750), an authorised insurance broker licensed with the Insurance Authority under License Number FB1526.
“10Life Financial”, “we”, “us”, “our” refers to 10Life Financial Limited (incorporated in Hong Kong under company number 1154750), an authorised insurance broker licensed with the Insurance Authority under License Number FB1526 and a wholly owned subsidiary of 10Life Group Limited.
“10Life Platform” or “Platform” means digital channels operated by us, including www.10life.com (“website”)
“Services” refers to any services operated by us, including but not limited to (i) our licensed insurance comparison platform; (ii) the Insurance Advisory Service; and (iii) the Online Insurance Application Service.
“Technical Representative” or “TR” means a person registered with the Insurance Authority as a Technical Representative (Broker) appointed by and acting on behalf of 10Life Financial.
“Insurance Advisory Service” means the regulated insurance advisory and broking service provided by our Technical Representatives via instant messaging platforms, telephone, in-person or other channels.
“Online Insurance Application Service” means our self-directed online application service for selected insurance products that allows you to apply for and purchase insurance directly through the Platform.
“you”, “your” or “user” means any person who accesses and uses 10Life Platform.

General Terms of Use

Access to and use of the Platform are subject to these Terms and Conditions of Use and our Privacy Policy. By accessing and using content, data, or any services rendered by us through the Platform, you agree to be bound by and to act in accordance with these Terms and Conditions of Use.

We continue to improve and enhance services on our Platform. As a result, revisions to the Terms may be made without direct notifications to you. Any subsequent use or access of the Platform by you will mean that you have accepted and be bound by the changes to the Terms. We encourage you to revisit this page regularly to understand the latest Terms that may be relevant to you. Changes to the Terms will not apply retrospectively to any insurance transaction already concluded through us before the change takes effect, and we will take reasonable steps to notify you of any change that materially affects the Insurance Advisory Service or an insurance product you have applied for or purchased through us.

If you do not agree to these Terms, please do not use or access (or continue to use or access) the Platform.

If there is any inconsistency or conflict between the English and Chinese versions of the Terms, the English version shall prevail.

Our Services

10Life Financial is an authorised insurance broker in Hong Kong (Insurance Authority License No. FB1526) and is the operator of the 10Life Platform. Our core service is a licensed insurance comparison platform that provides insurance product comparisons, 10Life Insurance Ratings and blog articles. The information presented on the Platform is general in nature and is not personalised to any individual user.

In addition to the comparison platform, we provide the following services:

Insurance Advisory Service — a regulated insurance broking and advisory service provided by our Technical Representatives via instant messaging platforms, telephone, in-person or other channels. Through this service, our TRs may conduct suitability assessments, provide regulated advice and recommendations on insurance products from our partner insurers, and arrange the application, placement and ongoing servicing of insurance products on your behalf.
Online Insurance Application Service — a self-directed online application service that allows you to apply for and purchase selected general insurance products directly through the Platform without the involvement of a Technical Representative.

Our comparison platform is free for you to use. We earn revenue primarily through commissions and/or fees paid by insurers in relation to insurance products arranged or placed by us through the Insurance Advisory Service and the Online Insurance Application Service. We may also receive remuneration in connection with advertising, website redirections, referrals and 10Life Insurance Ratings licensing. Your agreement to use the Services and to proceed with any insurance transaction through us shall constitute your consent to the receipt of such commissions, fees and other remuneration by 10Life Financial.

10Life Financial does not represent any particular insurance company in its dealings with you. 10Life Financial is not an insurance company and does not underwrite any insurance risk.

The Insurance Advisory Service is a regulated activity carried on by 10Life Financial as a licensed insurance broker, and is provided in accordance with the Insurance Ordinance (Cap. 41) and the Insurance Authority’s Code of Conduct for Licensed Insurance Brokers.

The Online Insurance Application Service is a self-directed service for selected insurance products. When you use it, you choose the product yourself based on the product information provided. Any eligibility criteria we apply form part of the product’s acceptance requirements and do not, of themselves, constitute a personalised recommendation or a suitability assessment by us.

A licensed Technical Representative is available to assist you at any time. You can connect with a Technical Representative through the contact options on the Platform, including instant messaging platforms and by telephone.

We aim to give you uninterrupted access to the Services. However, we do not guarantee uninterrupted availability. We reserve the right to suspend, limit, modify, discontinue or terminate the Services (or any part of them) at any time without prior notice.

For further details about 10Life Group Companies, you can visit the About Us section of our website.

About 10Life Insurance Ratings and Blogs

Any information on 10Life Platform (“10Life Information”), including but not limited to Insurance Ratings, product comparisons and blog articles is intended and should only be used for general education purpose and reference only.

10Life Insurance Ratings are developed by 10Life Financial for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with, or fees received from, insurance companies. Blog articles published on the Platform are intended to provide general educational content and do not constitute regulated advice. You should study the relevant rating methodologies to understand their relevance and limits.

10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment, and is not sufficient to form the basis of any decisions to purchase any insurance products. The 10Life Information on the Platform is not representative of, and must not be treated as, a complete description of the particular terms and conditions of, nor the precise cover provided by, the relevant insurance product or service. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. Where you would like assistance or a recommendation tailored to your circumstances, a licensed Technical Representative can help you through our Insurance Advisory Service. You are advised to read the terms and conditions of any insurance product carefully and to satisfy yourself that you understand them thoroughly (and in appropriate cases, seek professional advice on their meaning, operation and substantive effect) before you enter into a contract for such products or services. With respect to any specific insurance product or service, the terms and conditions issued by the relevant insurer shall prevail in the event of any inconsistency with the information set out on the Platform. If you are in doubt as to your obligations under these Terms or wish to seek assistance in relation to our Services, please contact our customer service team.

The information on the Platform is curated from information gathered from different sources. Where possible, we source the insurance product information directly from insurers or insurers’ websites. In cases where we are unable to obtain this information from insurers directly, we source insurance product information from other sources to cover as much of the market as we can. We will use our reasonable efforts in ensuring the accuracy and timeliness of the information at time of publishing, but we do not guarantee the accuracy and completeness of any information we provide. Any premium displayed may not include insurance levy collected by the Hong Kong Insurance Authority and is rounded up to the nearest Hong Kong dollar. You should always refer to information provided by the insurance company or your licensed intermediary, including any marketing material and contracts, when making any insurance decisions.

While reasonable efforts are used when collecting, validating and updating 10Life Information from various channels, none of the 10Life Group Companies and their affiliates, agents, directors, officers and employees will be responsible for any liability, claim or loss arising from or associated with using 10Life Information. No warranty, representation or guarantee is given by any of the 10Life Group Companies on the accuracy, completeness and timeliness of the information.

About Insurance Products or Services Displayed on Our Platform

We do not own or control any of the insurance products or services displayed on our Platform; nor do we own, control or operate the third-party websites. We may provide on our platforms access to third-party websites or links to insurance product providers as part of our service (“Redirection”). Such Redirections are for your convenience and information only and do not constitute our endorsement, recommendation and approval of the third parties and their product and/or services. We may receive remuneration from the third parties for providing Redirection services. We shall in no event be liable in respect of the usage, quality, content, reliability or security of the third-party websites or for the goods and services offered thereunder. Proceeding with the Redirection shall constitute your consent to the receipt of such remuneration by 10Life Financial.

We reserve the right to withdraw any link for Redirection without notice.

Providing a Redirection does not suggest or imply that 10Life Financial acted as an insurance intermediary for the third party or provided any regulated advice for the purchase or sales of products or services offered by the third party. Any purchase of products and services at the third party website is a transaction made directly with the third party and is solely at your own discretion and risk. You are advised to read the terms and conditions of those products and services carefully and to satisfy yourself that you understand those terms and conditions thoroughly (and in appropriate cases, seek professional advice on the meaning, operation and substantive effect of those terms and conditions) before you enter into a contract for such products or services. We shall in no event be liable in respect of the usage, quality, content, reliability or security of the third-party website.

Insurance Applications and Cover

Submitting an application or request for a quotation through the Platform is a request to the relevant insurer and is not an acceptance of any offer. No insurance cover is bound, in force or assumed by reason of your submission. Cover begins only when the relevant insurer has accepted the risk and confirmed cover to you (whether directly or through us), and is subject to the insurer’s policy terms, conditions, exclusions and limitations, which you should read before proceeding.

Where premium is payable through the Online Insurance Application Service, the applicable payment terms and your authorisation to charge are presented to you at the point of purchase. For all other insurance arranged through us, premium is payable to the relevant insurer in accordance with its terms.

Any premium displayed may not include the insurance levy collected by the Insurance Authority and may be rounded to the nearest Hong Kong dollar. Your cooling-off rights, cancellation rights and any refund of premium (where applicable) are governed by the relevant policy and the insurer’s terms and conditions. You should read those provisions, including any time limits, before you proceed.

Duty of Disclosure

When you apply for insurance through us, you are responsible for the accuracy and completeness of the information and declarations you provide in the insurer’s application or proposal form. Please read the declaration in that form carefully before you submit.

Our Geographical Limits

The information on our Platform is directed to users physically present within the Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong”). Insurance information presented on our Platform should only be used by users physically present in Hong Kong. We make no representation that information and materials included on our website are appropriate or available for use in other locations.

The Insurance Advisory Service and the Online Insurance Application Service are available only to persons who are physically present in Hong Kong and who have the legal capacity to enter into a contract. They are not available to minors or to other persons who do not possess such capacity, and no contract purported to be entered into by such a person will be binding. Our Technical Representatives are licensed in Hong Kong and do not solicit, advise on or arrange insurance for persons located outside Hong Kong; you must not use the Insurance Advisory Service to discuss or apply for insurance while you are outside Hong Kong.

What You Need to be Responsible for

You are solely responsible to ensure that:

You will refrain from using our Platform for any unlawful, fraudulent or commercial purposes;
You will not use our Platform in any way or take any action that causes, or may cause, damage to our Platform or impairment of the performance, availability or accessibility of our Platform;
You will not use any software, instruments or devices that interfere or attempt to interfere with our Platform or the due operation of our Platform;
You will not conduct any systematic or automated data collection activities (including scraping, data mining, data extraction, or data harvesting) on or in relation to the Platform without our express written consent;
You will not access or otherwise interact with the Platform using any robot, spider or other automated means;
You will not copy, redistribute, publish, reverse engineer, decompile, disassemble, modify, translate or in any manner make any attempt to access the source code (whether to create derivative works of the source code or otherwise);
You will not use data collected from the Platform for any direct marketing activity (including email marketing, SMS marketing, telemarketing or direct mailing) unless you have obtained the prescribed consent of the data subject;
You will not edit or otherwise modify any content or paper or digital copies of any materials printed off or copied from the Platform in any way;
You will keep confidential and will not share with any other person any usernames and passwords you create when using our Platform. If you do disclose to anyone your username, password and/or other identification information, you are solely responsible for all activities undertaken on the Platform using your username, password and/or other identification information (whether by you or any other person, and whether with or without your authorisation). We have no obligation to maintain your usernames and passwords and will not be responsible or liable if you misplace, forget or lose your usernames or password;
You will ensure that all information including personal data you enter is true, accurate, complete and up-to-date. We will not be held responsible if information is invalid or inaccurate as a result of your error in providing correct information or from a failure to disclose all material facts to us; and
You are responsible for checking and ensuring the suitability, usefulness, quality, adequacy and availability of the products or services of insurers displayed on our Platform. You should seek and obtain professional advice on the products or services prior to making any purchasing decision.

Personal Data and Privacy

We may collect personal information about you when you use our Platform and we will apply and comply with the laws and principles of the Personal Data (Privacy) Ordinance (Cap 486) of the Laws of Hong Kong SAR when processing your personal information.

You are recommended to review our Privacy Policy before usage of our services.

How we collect, use and store your personal data, and the basis on which we may send you direct marketing and obtain your consent, are set out in full in our Privacy Policy, which forms part of these Terms.

Electronic Communications and Documents

By using the Services and providing your contact details, you agree that we and our Technical Representatives may communicate with you by electronic means, including email, SMS and WhatsApp, in connection with your use of the Services and any insurance you apply for or hold through us. Where permitted by law and with your consent where required, documents relating to your insurance and our services may be provided to you electronically. If a document cannot be provided electronically due to legal requirements, we will arrange for it to be provided in physical form on request. Standard charges and data rates from your network or service provider may apply, and you should keep your contact details current so that you continue to receive important communications.

Intellectual Property Right

Our Platform is protected under intellectual property laws. More specifically we are the owner, or are the authorised licensee, of all rights, title and interest in the Platform and all data and content displayed on the Platform including but not limited to images, texts, symbols, logos, designs, trademarks, graphics, files except for the data and content on our platform that are owned by other relevant third parties (jointly, “Website IP”). You must not use any of the Website IP except in accordance with these Terms or having first obtained the prior written consent of 10Life Group. All intellectual property rights are reserved. Unless otherwise expressly provided, we do not own the intellectual property rights provided by third parties, and we give no representation, warranty or guarantee in respect of such intellectual property rights. We have not examined or verified any third party intellectual property rights.

Save for your permitted personal use of our Platform in accordance with these Terms you will not use, copy, transmit, deep-link, hyper-link, scrape, download, display, duplicate, sell, trade, market, utilise, exploit, publish, distribute, broadcast, edit, modify or reproduce the Website IP or any portion thereof, or use any Website IP in any way not in accordance with these Terms, unless you have obtained prior written approval from us, or the other relevant third parties, whichever is applicable. You should notify us promptly if you suspect or become aware of any misuse of the Website IP, or any violation, infringement or misappropriation of the intellectual property rights by any other users or other third party. You can contact us here.

Liability Limits

10Life Information is gathered through various sources and may be inaccurate, incomplete or out-of-date. Although reasonable efforts are used to ensure 10Life Information is true and accurate at the time of publishing, we make no warranty, representation or guarantee in respect of the accuracy, completeness and timeliness of the information. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing insurance products or making insurance decisions. 10Life Group companies and 10Life Financial is not responsible for any loss, liability or expense arising from using the information or for any claims and/or losses caused thereby.

Unless such dealings or purchases were arranged or placed through our Insurance Advisory Service or our Online Insurance Application Service, we have no liability to you, and we are not responsible for your losses, in relation to your dealings with or purchases with insurers or other insurance intermediaries, including any advice or recommendations you have received or purchase of products from any insurers or other insurance intermediaries.

Where services involve artificial intelligence or automated systems, you acknowledge that outputs are generated algorithmically and may not be complete, accurate or suitable for your specific circumstances. AI-generated content does not constitute professional advice.

We do not guarantee or warrant that the Platform will be uninterrupted or error free, or that defects will be corrected or the server will be free of all viruses and/or other harmful elements. We are not liable and assume no responsibility for losses or damages of any kind however caused as a result (direct or indirect) of the use or access of, or the inability to use and access the Platform, whether in contract, tort or otherwise, even if we have been informed of the possibility of such damage. We exclude and disclaim any liability for loss of profits, loss of business opportunity, loss of goodwill, loss of anticipated savings or benefits, or for any type of indirect, special or consequential loss, even if that loss or damage was reasonably foreseeable or we may have been aware of the possibility of that loss or damage arising.

All exclusions and limitations of liability in this clause shall be to the fullest extent permitted by law.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for any liability arising from regulated advice or services we provide to you as a licensed insurance broker, or for any other liability that cannot lawfully be excluded or limited.

We also have the following rights:

To terminate, suspend or discontinue your use and access to the Platform, and to cancel your account at any time without giving prior notice and without being required to provide any reason;
To close, delete, refuse to post or remove (without notice) any user content at our sole discretion for any reason, but have no obligation to review or monitor any user content;
To determine (in the absolute discretion of 10Life Financial) if any user content is in violation of these Terms and remove such content that we consider inappropriate;
To exercise or enforce such rights in the future at any given time even when we did not immediately exercise or enforce our rights under these Terms.

Account Termination

You may terminate your account at any time by contacting us at enquiries@10life.com. Upon termination:

Your access to the Platform and associated services will cease.
Personal data will be handled in accordance with our Privacy Policy (e.g., deleted or anonymised, subject to legal retention requirements).
Termination of your account does not affect any insurance policy you hold that was arranged or placed through us, or our continuing obligations as your insurance broker in respect of that policy, which continue in accordance with the relevant policy and applicable law.

10Life reserves the right to suspend or terminate your account, without prior notice, for violations of these Terms, illegal activity, suspected fraud, or any other reason, at its sole discretion.

Indemnity and Jurisdiction

By accepting these Terms and Conditions of Use, you agree to indemnify and hold harmless 10Life Group Companies and their officers, directors, employees, agents, affiliates, representatives and assigns from and against any claims, actions, demands, liabilities, losses, damages, costs and expense (including reasonable legal fees) arising out of or in connection with your breach of these Terms, your misuse of the Services, your violation of any applicable law, or your infringement of the intellectual property or other rights of any third party. This indemnity does not apply to the extent that the relevant loss is caused by our own negligence, breach or wilful default.

These Terms, and any dispute or claim (including any non-contractual dispute or claim) arising out of or in connection with them, their subject matter or formation, are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region of the People’s Republic of China. You and we irrevocably submit to the exclusive jurisdiction of the courts of Hong Kong.

General

Severability. If any provision of these Terms is held to be unenforceable, invalid or void in any jurisdiction, that provision shall be severed or read down to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

Entire agreement. These Terms, together with our Privacy Policy and any separate terms or disclosures we provide in connection with the Insurance Advisory Service, constitute the entire agreement between you and us in relation to your use of the Services and supersede any prior agreement or understanding in relation to it.

Rights of third parties. The 10Life Group Companies and their respective officers, directors, employees, agents, affiliates, representatives and assigns may enforce and rely on any provision of these Terms expressed to be for their benefit under the Contracts (Rights of Third Parties) Ordinance (Cap. 623). Save as so provided, a person who is not a party to these Terms has no right under that Ordinance to enforce any of these Terms. We and you may vary, rescind or terminate these Terms without the consent of any such third party.

Assignment. We may assign, transfer or sub-contract any of our rights or obligations under these Terms to any member of the 10Life Group Companies or to a successor in business. You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent.

Enquiries & Complaint Procedures

We aim to provide services to our users with high satisfaction.

If you have any questions or complaints about our services or information presented on the platform, you can call 3705 1599 during working hours from 10 am to 6 pm from Monday to Friday excluding Public Holidays, write to: 16/F, Greatmany Centre, 109-115 Queen’s Road East, Wan Chai or email to: enquiries@10life.com

We will not respond to complaints regarding products and services of third party providers, which may include insurance companies and other third-party licensed intermediaries. Please contact the respective third-party providers and follow their enquiries and complaint procedures.

For insurance related issues that may require further mediation, you may reach out to the Insurance Authority of Hong Kong at this website.

If your complaint concerns the conduct of our Insurance Advisory Service or our Technical Representatives, please raise it with us first using the contact details above so that we can address it. Complaints about the conduct of a licensed insurance intermediary may also be made to the Insurance Authority. Complaints about an insurance product, or a claim under a policy, should be directed to the relevant insurer in accordance with its own procedures; eligible monetary claims disputes against an insurer may be referred to the Insurance Complaints Bureau.

Last Update: September 1st, 2026