Terms and Condition | Tahoe Life Insurance Company Limited

Conditions of Use

Please read the following conditions before accessing any information or using services of this website or social media official account of Tahoe Life (collectively “this Platform”). The following paragraphs describe the policy of Tahoe Life Insurance Company Limited (Incorporated in Bermuda with limited liability) (“Tahoe Life”) relating to the use of this Platform. By using this Platform, you agree to be bound by these Conditions of Use (“Conditions”) together with any subsequent updates or amendments thereof. Tahoe Life may at any time delete, replace, add or change any term of these Conditions. You are therefore recommended to periodically visit this page to review the current Conditions.

As you register to use any service of this Platform, you warrant that all information provided is true, complete and up-to-date and you agree to notify Tahoe Life regarding all changes to the information previously provided.

Information and Materials

All information and materials provided in this Platform, whether by Tahoe Life or any other information provider, shall: (a) be provided for general information and reference only; (b) not in any event constitute an offer. It can only be seen as an invitation for you to make an offer to Tahoe Life, whereby you may purchase the insurance products and services of Tahoe Life. Tahoe Life reserves the final right to decide whether or not to accept your application.

Financial calculators, calculations and analyses are provided for illustrative and reference purposes only. Should you use the relevant information, you are solely responsible for bearing the relevant liabilities and risks. Please seek advice from licensed and/or competent individuals before making any investment or financial planning decisions.

Governing Law and Jurisdiction

Tahoe Life is an insurance company authorised to carry on long term business in the Hong Kong Special Administrative Region ("Hong Kong") under the Insurance Ordinance.

The insurance products and services mentioned under this Platform are made available by Tahoe Life to citizens of Hong Kong, permanent residents of Hong Kong, and foreign citizens residing in Hong Kong. Nothing in this Platform shall be construed as an offer to sell, or solicitation to buy, or provision of any product or service outside of Hong Kong. Tahoe Life does not offer or sell any insurance product, other product or service in any other places in which such offering or sale of any insurance product, other product or service is illegal under the laws of such place.

Unless otherwise expressly set forth in this Platform, Tahoe Life does not make any representation that: (a) materials in this Platform are appropriate for use in any location outside Hong Kong; or (b) the products and services available through this Platform comply with the laws of any place outside Hong Kong.

In the event that the place you are in imposes restrictions on our services or do not permit access to the contents of this Platform, you shall comply with such restrictions or forthwith discontinue access (as the case may be) hereto. Unless otherwise provided, Tahoe Life shall not be liable to any person in any way for accessing this Platform.

These Conditions and your use of this Platform will be governed by the laws of HKSAR and the parties agree to submit to the exclusive jurisdiction of courts of HKSAR.

Ownership of Information

Any information, other than personal data or information, you transmit to Tahoe Life via this Platform, including data, questions, comments, suggestions, ideas, or concepts will be treated as non-confidential and non-proprietary and will become the property of Tahoe Life. Tahoe Life is free to use such information (other than personal data or information) for any purpose, including, but not limited to publication, marketing and product development. You agree to waive all applicable rights you may have in any information (other than personal data or information) you transmit to Tahoe Life via this Platform, for the purposes of this section of the Conditions.

Copyright and Intellectual Property Rights

All the contents, information and trademarks on this Platform are protected by copyright laws. You are not allowed to reproduce (in whole or in part), modify, decompile, disassemble or transmit or use such contents, information and trademarks in any other way for any commercial purpose without prior written consent from Tahoe Life or the parties owning them.


Whilst care has been taken in preparing the information and materials in this Platform, (a) the information and materials on this Platform are provided "as is" and without warranties of any kind either expressed or implied and Tahoe Life disclaims all warranties, expressed or implied; (b) Tahoe Life does not warrant that this Platform or the functions in connection with this Platform will be uninterrupted or error-free; and (c) Tahoe Life does not warrant or make any representations regarding the use or the results of the use of the information/materials on this Platform in terms of their correctness, accuracy, reliability, or otherwise.

Under all circumstances, neither Tahoe Life, its related company, directors, employees and agents shall be liable nor bear any responsibilities for any direct, indirect, special, incidental, or consequential losses or damages, arising from accessing this Platform or use or inability to use of the same by any party, unless such losses or damages are solely caused by willful default of such company or person.

This Platform may contain hyperlinks to third party websites for information purpose only. Tahoe Life shall not be liable for any loss or damage arising directly or indirectly (including consequential loss) for the contents available on such linked websites. The inclusion of hyperlinks by Tahoe Life to such websites does not imply any endorsement by Tahoe Life of the materials on such websites.

You agree that due to unpredictable traffic congestion, openness and public nature of the internet and other reasons, the internet may not be a reliable medium of communication and that such unreliability is beyond the control of Tahoe Life. Thus, you agree that, unless it is solely caused by Tahoe Life’s wilful default, Tahoe Life shall not be liable for any damages, losses and expenses as a result of delays in transmission, incorrect data transmission, delays in execution or execution of instructions at prices different from those prevailing at the time instructions were given (if transactions involving price can be executed in this Platform), misunderstanding and errors in any communication between Tahoe Life and you, transmission blackouts, interruptions and so on.

You acknowledge and confirm that wireless fidelity (Wi-Fi), internet or other data transmission medium is not absolutely secured where privacy can be ensured, and that complete security and confidentiality over the said medium is not possible at this time, and it is beyond the control of Tahoe Life. You acknowledge that your use of this Platform (including information that you may transmit via this Platform) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimers herein, Tahoe Life shall not be responsible or liable for any harm that you and any other person may suffer in connection with any such breach of confidentiality or security.

You agree that any software is downloaded at your own risk. Tahoe Life does not warrant the suitability of any such software which is downloaded, absence of delays, failures, errors, omissions or loss in respect of any information transmitted through this Platform, and accepts no liability for any problems with your mobile phone or device, electronic device or computer that may arise as a result. Further, you agree that Tahoe Life should not be liable for any application viruses, computer viruses or other harmful computer code or data which may infect or otherwise damage your mobile phone or device, electronic device or computer as a result of your access to or use of this Platform or any of its contents.


In the event of any inconsistency between the English and the Chinese versions of the Conditions, the English version shall prevail.