Terms and Conditions of Use

I. Definitions

In the Terms and Conditions of Use (“T&C’s”) outlined below,
  • “10Life”, “we”, “us”, “our” refer to 10Life Hong Kong Limited
  • “Platform” means digital channels operated by us, including www.10Life.com (“website”) and 10Life Insurance Decoder mobile application (“mobile application”)
  • “You”, “Your” or “User” means any person who accesses and uses our website and mobile application

II. Acceptance of these Terms and Conditions 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 or website www.10Life.com or mobile application 10Life Insurance Decoder, you agree to be bound by and to act in accordance with these Terms and Conditions of Use. Revisions may be made without direct notification to you. Any subsequent use of or access to either the 10Life website or 10Life Insurance Decoder mobile application by you will mean that you have accepted the changes to these Terms.  

If you do not agree to these Terms, you must not use or access the 10Life content.

III. Geographical Limits

The information on our platform is directed to residents of the Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong"). Insurance policies accessed through our platform should only be purchased by residents in Hong Kong. We make no representation that information and materials included on our website are appropriate or available for use in other locations.

IV. Insurance Product Comparison

10Life compares insurance products in Hong Kong and provides insurance product ratings, scores and rankings. Based on the published methodologies, we apply assumptions and mathematical calculations to arrive at the ratings, scores and rankings. The ratings, scores and rankings are not influenced by any commission or referral fees. You should study the rating methodologies to understand the relevance and limits.

Where possible, we source our 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 external sources to cover as much of the market as we can.

The ratings, scores and rankings are for information only without taking into account your individual objectives, financial circumstances or needs. All information is intended for general education purpose and reference only; and does not suggest, imply, establish or constitute any insurance purchase advice, endorsement, approval or recommendation in respect of any insurers or their products or services including the quality or suitability of the products or services for your (personal) use. Before you decide whether to acquire an insurance product, you should seek professional advice. 10Life hereby excludes any liability arising from using the information on our platform and does not make warranty or guarantee on the accuracy, completeness and timeliness of the information or for any claims and/ or losses caused thereby.

10Life does not own or control any of the insurance products or services of insurers displayed on our platform; nor do we own, control or operate the insurers’ websites. We may provide on our platforms access to third party websites or links to insurance product providers as part of our service. Such links and access are for your interest and convenience and do not constitute our endorsement of those third parties. We are not responsible for any loss or damage that may arise in connection with your use of them. These websites may have their own terms and conditions and privacy policy. You should make sure that you have checked and understand those policies before obtaining any product or service from them. Any involvement or dealings you have with these third parties are entirely on your own account and at your own risk.

If you eventually decide to purchase a product or service from an insurer, you are entering into an agreement with the insurer, not with us. Subsequently, we do not bear any responsibility or liability for your purchase, the suitability or quality of the product or service or the agreement you enter into with the insurer.

V. Communication Services

Our platform is free of charge for users who can use the 10Life communication services, including “anonymous question” and “online chat” functions (except for intermediaries where a service subscription fee may apply).

Hong Kong licensed insurance intermediaries cannot advise or sell insurance products to individuals outside of Hong Kong. If you choose to use 10Life services from locations outside of Hong Kong, you must not ask any insurance questions nor engage in any chat or discussions on our platform.

You may seek advice from multiple licensed intermediaries by posting insurance-related questions anonymously or choose to engage selected intermediaries using the online chat function on 10Life (“10Life Communication Services”). If you choose to engage intermediaries in a conversation, your nickname will be shared with them. You have the option to use a nickname instead of your real name and you may change your nickname anytime.

You agree that…

  1. You are responsible for the postings or content including but not limited to questions, replies, messages or chats on 10Life Communication Services and any consequences that flow from such postings;
  2. 10Life will not be liable for any errors or omissions in any postings or for any loss or damages incurred by the use of 10Life Communication Services;
  3. Use of 10Life Communication Services by you is entirely at your own risk;
  4. 10Life makes no guarantee nor gives warranty of any kind whatsoever (whether express or implied) in relation to your use of 10Life Communication Services or any use by any third parties; and
  5. 10Life shall not be liable for any loss or damage (whether direct, indirect, consequential, financial or otherwise) arising from the use of (or in connection with) 10Life Communication Services.

You further agree not to do any of the following:

  1. Post content that may be unlawful, harmful, threatening, abusive, harassing, vulgar, profane, obscene, may cause personal distress, offensive, defamatory, false, libellous, hateful, racially, sexually or otherwise discriminatory or post any information that is otherwise objectionable (in the absolute discretion of 10Life);
  2. Post content that may be invasive of another’s privacy or violate the rights of any other user, or of any third party in any way;
  3. Post content that infringes any patent, trademark or copyright of any party unless you have the permission to do so;
  4. Encourage illegal and/or inappropriate behaviour, to form or recruit members for distinct groups whose aims are to cause disruption, or to encourage others to do so;
  5. Promote or provide instructional information about illegal activities or promote physical harm or injury against any group or individual;
  6. Post content that is confidential and/or commercially sensitive;
  7. Post any URLs or web links (to avoid doubt, 10Life takes no responsibility for the content of any external URL or web link if posted in contravention of these terms)
    We are not involved in any chats, discussions or negotiations between you and the intermediary or in the placement or purchase of any insurance product or service. We do not bear any responsibility or liability for your purchase, the suitability or quality of the products or services or the agreement you enter into with the insurer.

VI. Your Responsibilities

You are solely responsible to ensure that:

  1. You will refrain from using our platform for any unlawful, fraudulent or commercial purposes.
  2. You will not use any software, instruments or devices that (attempt to) interfere with our platform or the due operation of our platform;
  3. If you create any usernames and passwords when using our platform, they must be kept confidential by you, and must not be shared with anyone. 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.
  4. All the information including Personal Data you enter is true, accurate, complete and up-to-date, except your nickname which you can change at anytime. 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
  5. 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 for your personal use and if necessary or desired, you should seek and obtain professional advice on the products prior to making any purchasing decision.

VII. 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) ("the Ordinance") of the Laws of Hong Kong Special Administrative Region of China ("Hong Kong") when processing your personal information.

We reserve the right to amend our Privacy Policy at any time and post the modified version on our platform. Your use of the platform following the posting of such change to the Privacy Policy will constitute your acceptance of any such changes. Please refer to our Privacy Policy for further details.

VIII. Intellectual Property Right

Our platform bears some data that is protected under intellectual property laws and regulations. More specifically we are the owner of 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”).

Save for your permitted personal use of our platform in accordance with these T&C’s you will not use, copy, transmit, deep-link, hyper-link, scrape, download, display, duplicate, sell, trade, market, utilize, exploit, publish, distribute, broadcast or reproduce the Website IP or any portion thereof unless you have obtained the prior written approval from us, or the other relevant third parties, whichever is applicable. You can contact us here.

IX. Disclaimer

The information provided by 10Life is a guide only. Whilst we aim to take every reasonable step to ensure our contents are accurate, complete and up to date, the informational content provided by 10Life is collected from external sources on an ‘as-is’ basis and maybe not be complete for your purposes.

10Life does not warrant the accuracy of any information on our platform and recommend that you confirm it with third party product and service providers before acting on it.  

X. Liability

We will have no liability to you in relation to your dealings or purchases with the insurers including any advice, recommendations or losses arising from your agreement.

  1. In the case that technical matters interrupt or cause errors in accessing our platform, 10Life does not guarantee defects to be remedied or a virus-free website and mobile application.
  2. All exclusions and limitations of liability in this clause shall be to the fullest extent permitted by law.

XI. Indemnity

By accepting these Terms and Conditions of Use, you agree to indemnify and hold harmless the Company, its officers, directors, employees, partners and assign from and against any claims, actions, demands, liabilities, losses, damages, costs and expense resulting from your use of 10Life platform.  

XII. Others

We reserve the right:

  1. To terminate, suspend or discontinue your use and access to our platform, and to cancel your account at any time without giving prior notice and without being required to provide any reason.
  2. 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.
  3. Determine (in the absolute discretion of 10Life) if any user content is in violation of these T&C’s and remove such content that we consider inappropriate.
  4. Should we fail to exercise or enforce our rights under these T&C’s this will not be deemed or construed to be a waiver of such rights; we will remain entitled to exercise or enforce such rights in the future at any given time.

In the event any of the provisions of these T&C’s is rendered unenforceable, null, void, inapplicable or otherwise invalid in any jurisdiction, such provision will be deemed substituted by a valid and enforceable provision that is most similar to the (intent of the) original provision and all the other provisions of these T&C’s will remain in full force and effect.

These T&C’s make up the entire agreement between you and us and shall supersede any and all prior verbal or written agreements in relation to our platform or the use of the services provided by us through our platform.  

XIII. Legal  

In the case of any disputes or matter that may arise, these Terms and Conditions of Use shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region of the People’s Republic of China unless otherwise specified.

Last Update: 31 January 2020 
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