TERMS AND CONDITIONS

Welcome to CoverGo! Please read these Terms and Conditions ("T&Cs") and the CoverGo’s Privacy Policy carefully before using the CoverGo mobile application and website (the "Services") operated by CoverGo ("us", "we", or "our").


GENERAL

Your access to and use of the Services is conditioned on your acceptance of and compliance with these T&Cs including our Privacy Policy, which is hereby incorporated by reference in its entirety. These T&Cs apply to all visitors, users and others who access or use the Services.

By accessing or using the Services you agree to be bound by these T&Cs. If you disagree with any part of the T&Cs then you are not allowed to access and use the Services, and you should immediately stop such access and/or use.


YOUR ACCOUNT

In order to use the Services, you must register as a natural person at least 18 years old and residing or domiciled in Hong Kong.

When you create an account with us, you must provide us information that is accurate, complete, and current at the time of registration. You are required to update your registration information as necessary from time to time, should any change occur.

Failure to comply with the above registration requirements constitutes a breach of these T&Cs, which may result in immediate termination of your account at our full discretion.

You are responsible, at all times, for the safekeeping of your registration information and all further information in relation to your insurance policies and personal details that are available on your profile. You shall not permit others to access the Services using your account. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account. We reserve the right to delete or change any password at any time and for any reason upon notice to you.

You grant us and all other persons or entities involved in the operation of the Services the right to transmit, monitor, retrieve, store, and use your information in connection with the operation of the Services and in the provision of the Services to you. We cannot and do not assume any responsibility or liability for any information you submit, or your or third parties’ use or misuse of information transmitted or received using the Services.


OUR SERVICES

As a registered user, you can upload your insurance policies and CoverGo will use your policy information to formulate a visual chart breakdown of your policies, which will be available to you. You will thereafter be able to amend or optimize your insurance policies by talking to and/or requesting for review from financial service companies, financial services advisors, financial service brokers, financial service agents, financial institutions and/or other financial services product intermediaries (jointly, the “Financial Services Provider” or “Financial Services Providers”) listed on the Services. In doing so, you will be required to provide further information, such as a list of your assets and liabilities. We are not involved in any discussions and negotiations between you and the Financial Services Providers or in the placement or purchase of any financial service product or service.

The Services include the CoverGo Checkup, which consists of content and tools intended to provide for information and educational purposes only. Please bear in mind that nothing on the Services ought to be thought, or relied upon, as a financial advice or a recommendation of any of the specified products or services. We are not a financial services company or financial services intermediary. Therefore, the content displayed on the Services does not in any way suggest, imply, establish or constitute an endorsement, approval, recommendation or advise in respect of any Financial Services Provider or their products or services including the quality or suitability of the product or service for your (personal) use. Nothing on the Services will also be considered or construed to be an offer or solicitation to buy any product or service from us, the Financial Services Providers or any other third party for that matter. If you eventually decide to purchase a product or service from a Financial Services Provider, you are entering into an agreement with the Financial Services Provider, not with us. Subsequently, we do not bear any responsibility or liability for your purchase, the suitability or quality of the product or services or the agreement you enter into with the Financial Services Provider.

The Services we provide you with are free of charge for you. We mainly make our money from fees we receive from the Financial Services Providers for the leads generated.

We aim to give you uninterrupted access to the Services. However, we cannot assure you of uninterrupted availability of the Services. We reserve the right to feature, amend, delete, edit, take away or modify any data, content, material or information displayed on the Services, and/or change, suspend, or terminate all or any part of the Services any time without prior notice or liability, for any reason whatsoever.


PERMITTED USE

You are solely permissible to access and use the Services for personal or non-commercial purposes. You further agree that you will not do any of the following:

Unauthorized use of users' personal information in connection with unsolicited marketing correspondence may constitute violations of various governmental anti-spam statutes. We reserve the right to report the abuse of users' personal information to the appropriate law enforcement and government authorities, and we will cooperate with any authorities investigating violations of these laws.

Anyone using the Services in any of the above ways or engaging in any of the above activities should stop using the Services immediately.


THIRD PARTY CONTENT AND TRANSACTIONS

The Services may contain and/or provide, links to other websites or content on the Internet that are owned or operated by third parties. These links are provided for your convenience and reference only. You access and use these third party websites at your sole discretion and risk. We accept no responsibility or liability in respect of any loss or harm you will suffer or incur as a result of use of any third party websites or for any acts, omissions, errors or defaults of any third party mentioned on this Website.

We are also not accountable or to be blamed (directly or indirectly) for any loss or harm you will suffer or incur as a result of any third party product or service you received and/or purchased in a result of or on the basis of using the Services or for any acts, omissions, errors or defaults of any third party in reference to that product or service. You are solely responsible for your choice of product or service and you need to make sure that you carefully look at all the options and the terms and conditions of any product or service before purchasing it.

The fact that the Services display third party content and links should not be construed in any way as an endorsement, authorization, or sponsorship of that site, its content or the companies or products referenced therein. Under no circumstances shall it be construed that, in case of your access to and use of any third party website, CoverGo is a party to any transaction, if any, between you and such third party.

Your use of any third party website is regulated by the terms and conditions and privacy policy of that website. It is your responsibility to go through the terms and conditions and privacy policy of the relevant third party websites before using that website. We are not responsible or to be blamed (directly or indirectly) for any loss or harm you may suffer or incur due to the terms and conditions or the privacy policy of any third party website or for any acts, omissions, errors or defaults of any third party as a result of their terms and conditions and/or privacy policy.


INTELLECTUAL PROPERTY RIGHTS

The Services contain material, such as texts, graphics, images, symbols, designs, files and other material provided by or on behalf of us, and through your use of the Services you will be provided with additional information from us; including, but not limited to, the results of the CoverGo Checkup; all of these materials and information are collectively referred to herein as the “Content.” The Content includes, but is not limited to, patents, net domain names, ethical rights, data, supply codes, software, specifications, know how, processes, business strategies, logos, trademarks and service marks (in all cases whether or not registered or unregistered and as well as all rights to use for registration) that are used in and/or displayed on the Services. All the Content is owned by us or our licensors and is protected by the applicable copyright law(s) and/or any other intellectual property law(s). Nothing in the Services and/or T&Cs shall imply any transfer or assign any of the abovementioned ownership, rights and/or goodwills.

You can download and use the Content for your personal, non-commercial purposes in accordance with these T&Cs. You shall not copy, transmit, deep-link, hyper-link, scrape, reformat, display, duplicate, use the name CoverGo, sell, trade, market, utilize, exploit, publish, distribute, broadcast or reproduce the Content or any portion thereof unless you have obtained our prior written approval.

By submitting or posting any information and materials, including comments, feedback, ideas, questions, designs, content or other similar contributions (collectively, “Contributions”), you agree to be bound by the following terms and conditions. All Contributions will be considered non-confidential. You shall unconditionally grant us a perpetual, irrevocable, transferable, worldwide, royalty free and unlimited license to use, alter, store, share, sell, publish and transmit such Contributions in any manner and for any purpose (including, but not limited to, commercial purposes) and to use your name and other identifying information in connection with such Contributions.


DISCLAIMER AND LIMITATION OF LIABILITY

YOU ACKNOWLEDGE AND AGREE THAT THE SERVICES AND ALL ASSOCIATED CONTENT AND MATERIALS ARE PROVIDED "AS IS," "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE WILL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR MOBILE, COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO OR USE OF THE SERVICES, OR ANY CONTENT.

THE RESULTS OF THE COVERGO CHECKUP ARE BASED ON INFORMATION PROVIDED BY YOU AND RECEIVED BY US. THE RESULTS ARE PROVIDED FOR INFORMATION AND EDUCATIONAL PURPOSES ONLY AND ARE NOT A SUBSTITUTE FOR PROFESSIONAL FINANCIAL ADVICE. THE COVERGO CHECKUP RESULTS AND INFORMATION DISPLAYED SHOULD NOT BE INTERPRETED AS FINANCIAL ADVICE, OFFER, RECOMMENDATION, INVITATION OR SOLICITATION TO BUY OR SELL ANY PRODUCTS. NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, IS GIVEN WITH RESPECT TO THE ACCURACY AND/OR COMPLETENESS OF THE COVERGO CHECKUP RESULTS OR ANY OTHER CONTENT.

WE DO NOT PROVIDE OR ARRANGE INSURANCE POLICIES / INSURANCE CONTRACTS. ANY LIABILITIES OR RESPONSIBILITIES RELATING TO AN INSURANCE POLICY PURCHASED THROUGH US (DIRECTLY OR INDIRECTLY) REMAIN THE SOLE PROVINCE OF THE FINANCIAL SERVICES PROVIDER THAT PROVIDED THAT POLICY. WE ALSO DO NOT ORIGINATE INSURANCE AND ANY CLAIMS OR DISPUTES IN RELATION TO POLICY CLAIMS SHOULD BE ADDRESSED TO THE ORIGINATING INSURANCE COMPANY. WE ARE UNABLE TO MEDIATE, ASSIST, CONVEY, OR DISPUTE ANY CLAIMS OR OTHER ISSUES RELATED TO THE LIABILITY, COVERAGE, OR SCOPE OF ANY INSURANCE PRODUCT. FURTHERMORE, WE WILL NOT BE LIABLE FOR ANY MISTAKE, ERROR OR OMISSION THAT MAY OCCUR DURING THE PROCESSING OF THE POLICIES ON THE PLATFORM.

WE MAKE NO REPRESENTATIONS OR WARRANTY THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT YOUR USE OF THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; NOR DO WE MAKE ANY REPRESENTATION OR WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SERVICES OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THE SERVICES. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SERVICES, OR ANY CONTENT IS TO STOP USING THE SAME.

UNDER NO CIRCUMSTANCES AND IN NO EVENT SHALL WE, TOGETHER WITH OUR DIRECTORS, OFFICERS, MEMBERS, EMPLOYEES, REPRESENTATIVES, AFFILIATES AND SUPPLIERS BE LIABLE FOR ANY INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND INCLUDING LOST PROFITS, REVENUES OR SAVINGS WHETHER ARISING FROM CONTRACT, TORT, STRICT LIABILITY, LOSS OF CONFIDENTIAL DATA, BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION OR OTHERWISE IN RELATION TO (THE USE OF) THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE.

WE, TOGETHER WITH OUR DIRECTORS, OFFICERS, MEMBERS, EMPLOYEES, REPRESENTATIVES, AFFILIATES AND SUPPLIERS, EXCLUDE ANY AND ALL LIABILITIES FOR ANY LOSSES OR DAMAGES FROM WHATEVER NATURE AND WHETHER ARISING FROM CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE IN RELATION TO REDIRECTING YOU TO THE FINANCIAL SERVICES PROVIDER’S WEBSITE AND IN RELATION TO YOUR INTERACTION AND DEALINGS WITH THE FINANCIAL SERVICES PROVIDERS INCLUDING YOUR PURCHASE OR ANTICIPATED PURCHASE OF A PRODUCT OR SERVICE FROM A FINANCIAL SERVICES PROVIDER.

WE, TOGETHER WITH OUR DIRECTORS, OFFICERS, MEMBERS, EMPLOYEES, REPRESENTATIVES, AFFILIATES AND SUPPLIERS, SHALL NOT BE RESPONSIBLE FOR ANY LOSS OR DAMAGE CAUSED, OR ALLEGED TO HAVE BEEN CAUSED, DIRECTLY OR INDIRECTLY, BY THE INFORMATION OR IDEAS CONTAINED, SUGGESTED OR REFERENCED IN OR APPEARING ON THE SERVICES. YOUR PARTICIPATION IN THE SERVICES IS SOLELY AT YOUR OWN RISK. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE US, TOGETHER WITH OUR DIRECTORS, OFFICERS, MEMBERS, EMPLOYEES, REPRESENTATIVES, AFFILIATES AND SUPPLIERS, SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. YOU ACKNOWLEDGE, BY YOUR USE OF THE SERVICES, THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK.

IN ANY EVENT, OUR AGGREGATE LIABILITY FOR ANY CLAIMS, LOSSES OR DAMAGES WHETHER ARISING FROM CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE IN RELATION TO (THE USE OF) THE SERVICES AND ALL ASSOCIATED CONTENT IS LIMITED TO AN AMOUNT OF TEN HONG KONG DOLLARS (HKD $10.00). YOU AGREE AND ACKNOWLEDGE THAT THE FOREGOING LIMITATIONS ON LIABILITY ARE AN ESSENTIAL BASIS OF THE BARGAIN AND THAT THE SERVICES WOULD NOT BE PROVIDED ABSENT SUCH LIMITATION.

ALL EXCLUSIONS AND LIMITATIONS OF LIABILITY SHALL BE TO THE FULLEST EXTENT PERMITTED BY LAW.


INDEMNITY

You irrevocably agree to indemnify and hold us, together with our directors, officers, members, employees, representatives, affiliates and suppliers, harmless from and against any and all claims, actions, demands, proceedings, liabilities or judgments, and against all losses, taxes, expenses, costs, legal fees, and liabilities (present, future, contingent or otherwise on an indemnity basis), arising from or in relation to, without limitation, (i) your use and misuse of the Services or any content; (ii) your breach of any of the provisions of these T&Cs; (iii) the infringement by you, or any other subscriber or user of your account, of any intellectual property right or other right of any person or entity; (iv) any third parties claims against us arising from or in relation to the aforementioned events under (i), (ii) or (iii).


TERMINATION

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the T&Cs.

Upon termination, your right to use the Services will immediately cease and you must stop using the Services. You acknowledge that such termination will result in your user account being deleted and that we may retain the information contained therein for purposes including, but not limited to, marketing, analytics, or to comply with applicable laws.

All provisions of the T&Cs which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability. The termination should not affect any claim arising prior to such termination.


CHANGES

We reserve the right to make changes to these T&Cs at any time without providing any prior notification. The amended T&Cs are effective from the date they are published on the CoverGo website. For this reason, you should review these T&Cs whenever you use the Services.

Your continued access and use of the Services constitutes your unconditional acceptance of any amendment(s) being made and thus the latest version of the T&Cs. If you do not agree to the amended T&Cs, then you are not allowed to access and use the Services, and you should immediately stop such access and/or use.


MISCELLANEOUS

Our failure to exercise or enforce any right under these T&Cs will not be deemed or construed to be a waiver of such right. We will remain entitled to exercise or enforce such rights or provisions 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&Cs constitute the entire agreement between you and us relating to the provisions set out in these T&Cs, and supersede and replace all prior verbal or written agreements in relation to the any provisions set out in these T&Cs.


GOVERNING LAW AND JURISDICTION

These T&Cs shall be governed and construed in accordance with the laws of Hong Kong, without regard to its conflict of law provisions.

The Hong Kong courts will have exclusive jurisdiction over any claim or dispute arising under or in connection with these T&Cs although we retain the right to bring proceedings against you for breach of these T&Cs in your country of residence or any other relevant country.


CONTACT US

If you have any questions, comments or requests regarding these T&Cs, please contact us at hello@covergo.co


Last updated: 12 February 2017