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Terms of Use

Last updated: 11 May 2026

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1. Introduction

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These Terms of Use govern access to and use of the Website operated by Red Asia Insurance Agency Limited.

By accessing or using the Website, you agree to be bound by these Terms of Use.

If you do not agree with these Terms of Use, you should discontinue use of the Website.

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2. About Red Asia Insurance Agency Limited

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Red Asia Insurance Agency Limited is licensed as an Insurance Agency by the Hong Kong Insurance Authority under licence number FA2375.

We primarily provide general insurance intermediary services, insurance consulting, claims support and risk management-related services.

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3. Website Content

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The information provided on the Website is for general informational purposes only.

While we endeavour to keep information accurate and up to date, we do not guarantee:

  • completeness;

  • accuracy;

  • reliability;

  • suitability;

  • availability;

  • uninterrupted access.

Information on the Website does not constitute:

  • legal advice;

  • tax advice;

  • financial advice;

  • insurance coverage confirmation;

  • binding insurance quotations.

Insurance products, terms, pricing and availability remain subject to insurer underwriting, acceptance and applicable policy terms.

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4. No Binding Coverage

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No insurance coverage shall be considered bound, effective or confirmed unless expressly confirmed in writing by the relevant insurer or authorised representative.

Submission of enquiries, quotation requests or online information through the Website does not create insurance coverage.

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5. International Use and Jurisdiction Restrictions

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The Website may be accessed internationally.

However, insurance products and services referenced on the Website may not be available in all jurisdictions.

Nothing on the Website constitutes a solicitation, offer or provision of insurance services in any jurisdiction where such activity would be unlawful or restricted.

Where required, services may be provided through local partners or subject to local regulatory requirements.

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6. Embedded Systems and Third-Party Platforms

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Parts of the Website may contain embedded systems operated by insurers or third-party service providers.

Such systems may be subject to separate:

  • terms and conditions;

  • privacy policies;

  • underwriting requirements;

  • insurer-specific disclosures.

We are not responsible for the operation, availability or content of third-party systems.

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7. User Conduct

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You agree not to:

  • misuse the Website;

  • attempt unauthorised access to systems or data;

  • interfere with Website functionality;

  • introduce malicious software or code;

  • submit false or misleading information;

  • Use the Website for unlawful purposes.

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8. Intellectual Property

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Unless otherwise stated, all content on the Website, including:

  • text;

  • graphics;

  • logos;

  • branding;

  • layouts;

  • documents;

  • design elements;

  • software;

  • website content,

is owned by or licensed to Red Asia Insurance Agency Limited.

No content may be reproduced, distributed or used without prior written consent except as permitted by law.

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9. Limitation of Liability

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To the maximum extent permitted by applicable law, Red Asia Insurance Agency Limited shall not be liable for:

  • indirect or consequential losses;

  • business interruption;

  • loss of data;

  • loss of profits;

  • Website downtime;

  • cyber incidents;

  • reliance on Website information;

  • third-party platform failures.

Nothing in these Terms of Use excludes liability that cannot lawfully be excluded under applicable law.

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10. Cybersecurity and Availability

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We take reasonable steps to maintain Website security and availability.

However, we do not guarantee that the Website will always be:

  • uninterrupted;

  • error-free;

  • secure;

  • free from malware or harmful components.

Users remain responsible for implementing their own cybersecurity protections.

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11. Privacy

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Use of the Website is also governed by our Privacy Policy.

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12. Amendments

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We may amend these Terms of Use from time to time.

Updated versions will be published on the Website.

Continued use of the Website after publication of updated Terms of Use constitutes acceptance of the revised terms.

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13. Governing Law and Jurisdiction

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These Terms of Use shall be governed by and construed in accordance with the laws of Hong Kong S.A.R.

The courts of Hong Kong S.A.R. shall have exclusive jurisdiction in relation to disputes arising from or connected with the Website or these Terms of Use.

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