恒生保險電子結單/e-Advice服務章則

1. xx

x「本章則」內：

“戶口”指以「客戶」名義於「本公司」開立之任何保險戶口（不包括所有從恒生保險的保險經紀渠道購買的所有保單，以及從各渠道購買的指定保費回贈產品及投資相連壽險計劃）

“通知書”指不時由「本行」發出或提供並與一個或多個「戶口」或與「本行」提供之產品及服務有關之通知、報告、確認書、買賣合約、紀錄、收據、認收通知、訊息、公告、資訊及/或其他通訊，但不包括「結單」； “本行”指恒生銀行有限公司；

“本公司”指恒生保險有限公司；

“客戶”指以其姓名開立一個或多個「戶口」之人士或（視情況而定）每名人士，並包括該等人士之遺產代理人或合法繼承人，倘文義允許，亦包括任何由「客戶」不時通知「本公司」及「本行」並獲「客戶」授權可以向

「本公司」及「本行」發出指示之人士；

“指定電郵地址”指「客戶」不時以指定形式通知「本行」之電郵地址，以便「本行」向「客戶」發出「電子通知書」、「電子結單」或提示訊息；

“e-Advice”指「本行」根據「服務」而不時以「電子紀錄」形式發出或提供之任何「本行」的「通知書」； “e-Statement”指「本公司」根據「服務」而不時以「電子紀錄」形式發出或提供之任何「結單」；

“電子紀錄”指由一資訊系統產生之數碼化紀錄，並可(a)於一個資訊系統內傳送或由一個資訊系統傳送至另一個資訊系統；及(b)於一個資訊系統或其他媒介內儲存及取回；

“恒生個人e-Banking”指「本行」（根據有關章則）不時透過任何由「本行」或代表「本行」建立、運作及/或維持之互聯網站提供之網上銀行服務及設施，供「客戶」於網上向「本行」發出指示及與「本行」聯絡，以便進行銀行、投資、財務及其他不同性質的交易及買賣，以及獲取「本行」及/或滙豐集團成員提供之服務、產品、資訊、貨物、利益及優惠；

“香港”指中華人民共和國香港特別行政區；

“服務”指該等不時以「本公司」指定形式（可由「本公司」全權決定）提供予「客戶」而與一個或多個「戶口」或與「本公司」提供之產品及服務，及任何其他相關或附帶服務有關之e-Advice及e-Statement服務； “結單”指不時由「本公司」發出或提供而與一個或多個「戶口」或與「本公司」提供之產品及服務有關之任何戶口結單、紀錄、確認書及報告；

“通訊設備”指手提電腦、桌面電腦、掌上型電腦、手提電話及任何其他用作接收「服務」之電子媒介及/或器材；

2. 使用之條款

(a) 以下為使用「服務」之章則（「本章則」），但不會替代任何「戶口」、使用「恒生個人e-Banking」和「流動理財」及其他由「本行」及「本公司」提供之產品及服務之章則，並為該等章則之額外及補充條款。除非另有規定，否則該等章則將繼續適用。建議「客戶」於繼續進行申請「服務」及/或使用「服務」前，將該等章則連同

「本章則」再次細閱。「客戶」一經申請及/或使用「服務」，即表示「客戶」已明白及接受「本章則」，並視為「客戶」接受「本章則」約束。

(b) 閣下承認及同意「服務」的提供及使用，需接受由任何監管機構、政府機關、交易所或專業團體不時發出之任何適用法律、規例或法令，或任何規則、指示、指引、守則、通知或限制（不論是否具法律效力）之規限。

3. 「客戶」之接納及授權

(a) 於「本章則」之規限下，「客戶」要求並授權「本公司」提供「服務」，亦同意「本公司」可以按下述5(b)段所述之形式，向「客戶」提供「通知書」及「結單」。

(b) 鑑於「本公司」同意向「客戶」提供「服務」，「客戶」接納並同意受「本章則」之約束。

(d) 「客戶」承認及同意「本公司」可全權決定拒絕「客戶」之「服務」申請而毋須提出理由。

4. 「客戶」資料

(a) 「客戶」同意及承認「客戶」之個人資料及所有其他「客戶」與「本公司」之交易或買賣有關之資料，均會用於向「客戶」提供「服務」。「客戶」授權「本公司」可以使用、儲存，以及向其認為有需要之人士（包括滙豐集團成員或任何第三者服務供應商）披露、轉移（不論在香港以內或以外）、取得及/或交換該等個人資料及其他資料，以作「本公司」認為適當之任何用途。

(b) 「客戶」保證提供予「本公司」的所有資料乃盡其所知最準確及最新者。

5. 「服務」範圍

(a) 「本公司」會不時決定及指定「服務」之範圍及特點，以及有權隨時予以更改、擴大或減少有關「服務」，並通知或毋須通知「客戶」。尤其是「本公司」可以不時決定從「服務」中增加或刪除以e-Advice或e-Statement形式提供之「通知書」或「結單」種類，以及所提供之e-Advice或e-Statement之形式。

(b) 「本公司」可透過以下形式提供「服務」：

(i) 「客戶」可透過「恒生個人e-Banking」及「流動理財」取得、瀏覽及下載e-Advice或e-Statement；及/或

(ii) 其他「本公司」認為適當之形式。「本公司」可以全權決定與若干「戶口」或產品及服務有關之e-Advice或e-

Statement之提供形式。

(c) 「客戶」及任何其他人士查閱e-Advice或e-Statement時，不應將當中的任何資料或通訊視為在任何司法管轄區認購任何產品或服務（包括但不限於投資、存款、保險及貸款）的招引或遊說，而在該等司法管轄區向任何人士使出該等招引或遊說屬於違法。

(d) 倘「本公司」發出更改「服務」之通知，有關通知可以「本公司」認為適當之形式或方法發出，包括但不限於展示於「恒生個人e-Banking」或「流動理財」或「本公司」網頁或電子通訊方式例如電郵。

(e) 「客戶」一經同意「本公司」向「客戶」提供「服務」，(i)「戶口」或「本公司」所提供之產品及服務之「通知書」及「結單」可以e-Advice 及e-Statement 形式提供，「本公司」會根據「本章則」，以e-Advice 及e- Statement方式發予「客戶」，而不會再郵寄印刷本；及(ii)除非另有規定，「本公司」可無須另行通知而將「客戶」在「本公司」開立之所有新「戶口」及其他不時由「本公司」提供予「客戶」或由「客戶」使用之產品及服

務，包括在「服務」之內，除非及直至「客戶」或「本公司」根據「本章則」暫停或終止「服務」或其任何部分。

6. 「服務」的申請及操作

(a) 為了使「客戶」能使用「服務」，「客戶」需備有由互聯網服務供應商提供之互聯網服務及能夠接收及閱讀e- Advice 、e-Statement及提示訊息（如適用）之適當「通訊設備」及電腦軟件。前述各項須由「客戶」自行負責，並承擔所有費用、收費及支出，以確保該等服務和設施能接收「服務」。

(b) 「客戶」未能履行上述第(a))項條文，或會令「本公司」無法向「客戶」提供「服務」。

(d) 「客戶」同意e-Advice及e-Statement將為「本公司」及「客戶」之間就當中資料及細節的確實證明，而e- Advice及e-Statement將對「客戶」具有約束力，並將視為「客戶」已同意放棄任何就e-Advice及e-Statement而向「本公司」提出反對或追討賠償的權利，除非「客戶」能在「本公司」不時為指定e-Advice及e-Statement種類而設定之限期內，以書面將任何「錯失」通知「本公司」。

(e) 若「客戶」的「電訊設備」或服務已被中斷或暫停，必須立即通知「本公司」。

(f) 客戶知悉並同意，「本公司」透過恆生個人e-Banking及「流動理財」，通過「服務」以電子通知或電子結單的形式向客戶發送的任何通知或結單，當該電子通知或電子結單在恆生個人e-Banking及「流動理財」中可供獲取的同時，應被視為由「本公司」提供，已向客戶送達並收妥，而不論該等電子通知書或電子結單是否被「本公司」無法控制的資訊系統接受，或該等電子通知書或電子結單是否為客戶所覺察，「本公司」的任何責任和義務 (根據適用法律、監管要求或其他均適用等）已完全履行。客戶知悉並同意，其需以確保能夠使用和登入恆生個人e-Banking和「流動理財」為其唯一責任。

(g) 倘任何e-Advice或e-Statement可以透過「本公司」之網頁或「恒生個人e-Banking」或「流動理財」取得，e- Advice及e-Statement只會根據「本公司」認為適合之期間作出保留，之後將會自「本公司」之網頁或「恒生個人e-Banking」或「流動理財」系統中刪除或移除。「客戶」有責任及時查閱e-Advice及e-Statement，並在e- Advice及e-Statement自「本公司」之網頁或「恒生個人e-Banking」或「流動理財」系統中刪除之前，將e- Advice及e-Statement下載及儲存於「客戶」之電腦內或打印副本以備日後參考之用。不過，「客戶」可以要求

「本公司」以郵寄方式並向「本公司」繳付規定之費用﹙如適用﹚，補發e-Advice及e-Statement之副本。為免產生疑問，「本公司」只會以郵寄方式重發該等「通知書」或「結單」之副本，而並非以e-Advice 或e-

Statement形式發送。

(h) 倘「服務」乃採用「本公司」或其他滙豐集團成員之專有軟件，「客戶」可就「服務」或其他「本公司」容許之目的獲授予一項非專屬許可。「客戶」同意不會對任何該等軟件或容許任何其他人士對該等軟件進行反滙編、複製、修改或逆向工程。

7. 「服務」的暫停或終止

(a) 「本公司」有絕對酌情權毋須通知「客戶」而以任何理由暫停或終止「服務」或其任何部份，包括但不限於數據失效、有關「戶口」結束、電訊公司就其網絡或「服務」之任何服務供應商就進行系統故障、維修、更改、擴充

及/或提升工作，或「本公司」懷疑「客戶」未有收到e-Advice及e-Statement或e-Advice及e-Statement被未經授權人士查閱。

(b) 「本公司」對該等暫停或終止不會負任何責任。

(d) 任何暫停「服務」不會損害及不會影響「本公司」及「客戶」於暫停日期前已累積之責任及權利。

8. 費用及收費

(a) 「客戶」將承擔「本公司」應「客戶」要求重發任何「通知書」或「結單」而收取之任何費用、收費或支出，並授權「本公司」於「客戶」指定「戶口」支取有關款項。

(b) 「客戶」將確保指定「戶口」內有足夠資金/結餘以支付所產生之有關費用。

9. 系統保安

(a) 「客戶」必須將任何密碼及保安資料保密，並採取一切合理措施防止「客戶」之密碼及保安資料被未經授權或欺詐地使用，並確保「服務」不會被未經授權或欺詐地取用。

(b) 「客戶」應定期更改密碼，以防止「服務」被未經授權或欺詐地取用。

(d) 「客戶」不應在e-Advice或e-Statement（或「本公司」根據「本章則」而向「客戶」發出之電郵）提供之超連結網站提供其戶口及個人資料。所有獲「本公司」授權之超連結網站僅供參考用途，以及毋須輸入「客戶」之戶口及個人資料。

(e) 倘「客戶」察覺任何電郵、進入「客戶」之「恒生個人e-Banking 」或「流動理財」戶口、e-Advice 、e- Statement或網頁之超連結網站有不正常現象，或「客戶」懷疑其他人知悉其使用者名稱及密碼或「客戶」之電郵或「恒生個人e-Banking 」或「流動理財」戶口被未經授權使用，應盡快通知「本公司」。

(f) 「客戶」新選擇使用者名稱及密碼時，應避免揀選容易被猜測之使用者名稱及密碼。

(g) 「客戶」應不時參照由「本行」及「本公司」提供的保安建議，並適時地遵守「本行」及「本公司」不時就互聯網保安而於網上或其他途徑發出之有關保安措施。

10. 責任

(a) 倘「本公司」能證明e-Advice及e-Statement已經由「本行」、滙豐集團或「本行」之服務供應商之伺服器傳送至「客戶」之「恒生個人e-Banking 」或「流動理財」，或由「本行」以其他方式提供，即使「客戶」因未能妥為收取或完全未有收取而蒙受損失，「本行」及「本公司」將毋須負責。

(b) 倘「客戶」未能遵守第9條（系統保安）之條文規定，「本行」及「本公司」毋須就任何機密資料被披露負責。

「本行」及「本公司」任何附屬公司，或「本行」及「本公司」指定作為提供「服務」之任何電訊公司的疏忽或故意失責導致，否則「本行」及「本公司」、「本行」及「本公司」任何附屬公司，或有關電訊公司均不會負任何責任。「本行」及「本公司」、「本行」及「本公司」任何附屬公司，或有關電訊公司尤其不會對「本行」及

「本公司」、「本行」及「本公司」任何附屬公司，或有關電訊公司所能合理控制範圍以外的事件而引致之後果負任何責任，包括但不限於「客戶」之「通訊設備」因任何原因無法接收資料、任何通訊失靈、機械故障、路徑失敗、失靈、技術故障、干擾或設備、裝置不正確。

(d) 基於「服務」之性質，「本行」及「本公司」不會對「客戶」之數據、軟件、電腦、「通訊設備」或其他設備之損失或損壞負責，除非該等損失或損壞是純粹因為「本行」之疏忽或故意失責而直接及純粹由此而造成。

(e) 為「服務」提供支援的第三方（包括但不限於系統操作人員及互聯網服務供應商），並非「本行」及「本公司」的代理人或「本行」及「本公司」之代表。彼等與「本行」及「本公司」並無合作、夥伴、合營或其他關係。

「本行」及「本公司」對該等第三方引致之任何損失或損害不負任何責任。

(f) 「客戶」承諾對「本行」及「本公司」，其代理人、有關之高級人員及僱員就「本行」及「本公司」為「客戶」提供之「服務」及有關而作出之所有事情及事宜予以追認及確認，並同意對「本行」及「本公司」，其代理人、有關之高級人員及僱員因為向「客戶」提供「服務」或與此有關而招致或蒙受之所有損失、責任、收費、支出及任何罰款作出彌償，除非純粹因為彼等之疏忽或故意失責而直接造成，惟有關彌償只限於直接及純粹由此而引致之直接及可合理地預見之損失及損害（如有）。

11. 修訂

(a) 「本公司」保留權利，可以「本公司」認為合適的方法，不時向「客戶」發出通知，藉以調整、修訂或更改「本章則」。「客戶」於「本章則」任何更改之生效日期後使用「服務」，即構成「客戶」接納該等修訂。倘「客戶」不接納任何更改建議，必須於有關更改之生效日期前，取消或終止「服務」。

12. 放棄權利

(a) 「本公司」放棄「本章則」之任何條文，除非以書面發出並明確列明，否則不會有效。

(b) 「本公司」之不作為、延誤或遺漏行使「本章則」任何權利或補救方法，並不作為放棄此等權利或補救方法，

「本公司」單一次或部分行使任何權利或補救方法，亦不排除任何進一步行使該等權利或權力，或任何其他權利或權力。

13. 管轄法律及司法管轄權

「服務」及「本章則」須受香港特別行政區法律管轄，並依其詮釋。「客戶」及「本公司」均同意接受香港特別行政區法院行使非專屬司法管轄權，惟「本章則」可在任何司法管轄區之法院強制執行。

14. 可分割性

倘「本章則」之任何部份被任何司法管轄區之法院或行政機關判定屬非法、無效或不能強制執行，「本章則」其餘部份之合法性、有效性或可強制執行性概不受影響。

15. 有效文本

「本章則」之英文版與中文譯本如在文義上有任何歧異，概以英文版為準。

Terms and Conditions for Hang Seng Insurance e-Statement/e-Advice Service

1. Definitions

In these Terms and Conditions, references to:

“Account” means any insurance account (excluding all insurance policies purchased from Company's broker channel or the insurance policies of selected refundable types of products and investment-linked assurance plans purchased from all channels) held in the name of the Customer with the Company and “Accounts” means all of them;

“Advice” means any advice, report, confirmation, contract note, record, receipt, acknowledgement, message, notice, information and/or other communication in connection with or in relation to one or more Account(s) or of the products and services offered by the Bank, as from time to time issued or provided by the Bank, excluding a Statement

“Bank” means Hang Seng Bank Limited;

“Company” means Hang Seng Insurance Company Limited;

“Customer” means the person or, as the case may be, each person in whose name one or more Account(s) is(are) opened and includes any personal representative or lawful successor of such person and where the context permits, includes any person(s) authorised by the Customer to give instructions to the Company and the Bank, as notified to the Company and the Bank from time to time;

“e-Advice” means any Advice from time to time issued or provided by the Bank in the form of an Electronic Record under the Bank’s e-Statement / e-Advice Service;

“e-Statement” means any Statement from time to time issued or provided by the Company in the form of an Electronic Record under the Service;

“Electronic Record” means a record generated in digital form by an information system, which can be (a) transmitted within an information system or from one information system to another; and (b) stored in and retrieved from an information system or other medium;

“Hang Seng Personal e-Banking” means the e-Banking services and facility provided by the Bank (subject to

the relevant terms and conditions) from time to time through any internet site established, operated and/or maintained by or on behalf of the Bank to enable Customers to give instructions to and communicate with the Bank on-line for the purposes of conducting banking, investment, financial and other transactions and dealings of various nature and obtaining services, products, information, goods, benefits and privileges from the Bank and/or members of the HSBC Group;

“Hong Kong” means the Hong Kong Special Administrative Region of the People’s Republic of China;

“Service” means the service of making available to the Customer such e-Advices and e-Statements as may from time to time be prescribed by the Company (in its absolute discretion) in connection with or in relation to one or more Account(s) or of the products and services offered by the Company, and any other related or ancillary services;

“Statement” means any account statement, record, confirmation, report in connection with or in relation to one or more Account(s) or of the products and services offered by the Company, as from time to time issued or provided by the Company;

“Telecommunications Equipment” means laptop computers, desktop PCs, pocket PCs, mobile phones and any other electronic media and/or equipment used to receive the Service.

2. Terms of Use

(a) The following are the terms and conditions for use of the Service (“Terms and Conditions”) and are in addition to and supplement but do not replace the terms and conditions for any Account, the use of Hang Seng Personal e-Banking and other products and services offered by the Bank and the Company, which shall continue to apply unless otherwise provided. The Customer is advised to re-read such terms and conditions in conjunction with the Terms and Conditions herein before continuing the application for the Service and/or using the Service. By making an application for and/or using the Service, the Customer indicates the Customer’s understanding and acceptance of these Terms and Conditions and shall be deemed to be bound by these Terms and Conditions.

(b) The Customer acknowledges and agrees that the provision and use of the Service shall also be subject to any applicable laws, rules, regulations, orders, directions, guidelines, codes, notices or restrictions (whether or not having the force of law) issued by any regulatory authority, government agency, exchange or professional body from time to time.

(c) If these Terms and Conditions contradict other applicable terms and conditions, these Terms and Conditions will (in relation to the Customer’s use of the Service) override those other terms and conditions to the extent there is a contradiction.

3. Customer’s Acceptance and Authorization

(a) Subject to the Terms and Conditions herein, the Customer requests and authorizes the Company to provide the Service and agrees and consents to the Company providing and making available to the Customer Advices and Statements in the manner described in paragraph 5(b) below.

(b) In consideration of the Company’s agreement to provide the Service to the Customer, the Customer accepts and agrees to be bound by the Terms and Conditions herein.

(c) The use of the Service from the Customer to the Company shall be given in such form/manner, by such means and subject to such additional terms as may from time to time be prescribed by the Company.

(d) The Customer acknowledges and agrees that the Company may at its absolute discretion not accept the Customer’s application for the Service and the Company is not obligated to provide a reason to the Customer for such non-acceptance.

4. Customer’s Information

(a) The Customer agrees and acknowledges that the Customer’s personal data and all other details/information relating to the Customer’s transactions or dealings with the Company will be used in connection with the provision of the Service to the Customer. The Customer authorizes the Company to use, store, disclose, transfer (whether within or outside Hong Kong) obtain and/or exchange such personal data and other details and information to, from or with such persons as the Company may consider necessary (including the members of the HSBC Group or any third party service provider) for any purposes the Company deems appropriate.

(b) The Customer warrants that all particulars given to the Company are to the best of the Customer’s knowledge correct, accurate and up-to-date.

5. Scope of the Service

(a) The Company will from time to time determine or specify the scope and features of the Service and is entitled to modify, expand or reduce the same at any time with or without notice to the Customer. In particular, the Company may from time to time determine, add to or delete from the Service the types of Advices and Statements which will be offered as eAdvices or eStatements, and the manner in which any eAdvice or eStatement will be provided.

(b) The Service may be provided by the Company in the following manner:

i. via Hang Seng Personal eBanking and Hang Seng Personal Banking mobile app, whereby the Customer can access, view and download the eAdvices and eStatements; and/or

ii. in any other manner as the Company considers appropriate. The Company shall, in its absolute discretion, determine in which manner the eAdvice or eStatement in relation to certain Accounts or products and services may be provided.

(c) The Customer and any other persons accessing the eAdvices or eStatements should not regard any information or communication contained therein as an offer or solicitation to subscribe to any products or services (including, without limitation, investments, deposits, insurance and loans) in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdictions.

(d) If the Company gives notice of a change to the Service, such notice may be made in such manner and by such means of communication as the Company shall deem fit, including without limitation, posting on Hang Seng Personal eBanking or Hang Seng Personal Banking mobile app or the Bank’s website or electronic communications such as electronic mail.

(e) Once the Customer has requested and authorized, and the Company has indicated its agreement to provide the Service to the Customer, (i) Advices and Statements of the Account(s) or of the products and services offered by the Company which are available as eAdvices and eStatements will be sent by the Company to the Customer in the form of eAdvices and eStatements pursuant to these Terms and Conditions and will no longer be sent by post in hard copy form; and (ii) the Company may, without further notice and unless otherwise specified, include within the Service all new Accounts that the Customer opens with the Company and other products and services that the Company provides or used by the Customer from time to time, unless and until suspension or termination of the Service or any part thereof by the Customer or the Company in accordance with these Terms and Conditions.

6. Application for and Operation of the Service

(a) To enable the Customer to use the Service, the Customer has to have internet service provided by an internet service provider and appropriate Telecommunications Equipment and computer software capable of receiving and reading the eAdvices, eStatements and, if applicable, alert messages. It is the sole responsibility of the Customer to maintain the aforesaid and to bear all fees, charges and expenses in securing such services and facilities to receive the Service.

(b) The Customer’s failure to perform the acts in subclauses (a) above may result in the Company’s inability to provide the Service to the Customer.

(c) The Customer agrees to examine all the eAdvices and eStatements in a timely manner, and advise the Company immediately of any errors, discrepancies, unauthorized transactions or entries arising from whatever cause, including without limitation, forgery, fraud, lack of authority or negligence of the Customer or any other person (the “Errors”).

(d) The Customer agrees that the eAdvices and eStatements shall, as between the Company and the Customer, be conclusive evidence as to the information and details shown therein and that the eAdvices and eStatements shall be binding upon the Customer, who shall be deemed to have agreed to waive any rights to raise objections or pursue any remedies against the Company in respect thereof unless the Customer has notified the Company in writing of any such Errors within such period as may be specified by the Company from time to time for any specific type of eAdvices or eStatements.

(e) The Customer shall notify the Company immediately upon the disconnection or suspension of the Customer’s Telecommunication Equipment or services.

(f) The Customer acknowledges and agrees that any Advice or Statement that the Company sends to the Customer in the form of e-Advice or e-Statement via the Service shall be deemed to be provided by the Company to, and duly served on and received by the Customer in the case where it is made available to the Customer via Hang Seng Personal e-Banking and Hang Seng Personal Banking mobile app, at the time when the e-Advice or e- Statement is placed and accessible via Hang Seng Personal e-Banking and Hang Seng Personal Banking mobile app, regardless of whether such e-Advice or e-Statement is accepted by an information system outside the control of the Company or whether such e-Advice or e-Statement comes to the knowledge of the Customer and any duties and obligations of the Company (under the applicable law, regulatory requirements or otherwise) to provide the same to the Customer shall be fully discharged. The Customer acknowledges and agrees that it is the sole responsibility of the Customer to ensure that the Customer is able to use and access Hang Seng Personal e-Banking and Hang Seng Personal Banking mobile app.

(g) Where any e-Advice or e-Statement is made available on the Bank’s website or Hang Seng Personal e-Banking and Hang Seng Personal Banking mobile app, the Company will only make available the e-Advices and e- Statements for such period as the Company may consider appropriate and thereafter, they will be deleted and removed from the Bank’s website, Hang Seng Personal e-Banking system and Hang Seng Personal Banking mobile app. It is the Customer’s duty to examine the e-Advices and e-Statements promptly and download and save an electronic copy in the Customer’s own computer storage or print a hard copy of the e-Advices and e- Statements for future reference before they are deleted from the Bank’s website and Hang Seng Personal e- Banking system and Hang Seng Personal Banking mobile app. However, subject to any charges the Company may impose, the Customer may request that the Company re-send to the Customer the e-Advice and e- Statement in hard copy form by post. For the avoidance of doubt, in relation to any requests the Company receives from the Customer to re-send any Advice or Statement, the Company shall only re-send such Advice or Statement in hard copy form by post and not in the form of e-Advice and e-Statement.

(h) Where the Service utilizes proprietary software of the Bank or other member of the HSBC Group, the Customer is granted a non-exclusive license to use this software solely for the purposes of the Service or such other purposes as the Bank shall permit. The Customer agrees not to disassemble, copy, modify or reverse engineer any such software or permit anyone else to do so.

7. Suspension or Termination of the Service

(a) The Company may, at its absolute discretion, without notice to the Customer suspend or terminate the Service or any part thereof to the Customer for any reason including without limitation invalid data, relevant Account closure, system breakdown, maintenance, modification, expansion and/or enhancement work caused or initiated by the telecommunications company(ies) concerned in relation to their network or by any service provider in respect of the Service or if the Company suspects that the e-Advices and e-Statements have not been received by the Customer or are being accessed by unauthorized person.

(b) The Company will not assume any liabilities or responsibilities for any such suspension or termination.

(c) Upon suspension of the Service, the Company will revert back to sending the Customer’s Advices and Statements to the Customer by post in hard copy form to the Customer’s designated mailing address or any

other method as agreed between the Customer and the Bank or as permissible under applicable laws, rules and regulations.

(d) Any suspension of the Service is without prejudice to and shall not affect the liabilities and rights which have accrued between the Company and the Customer prior to the date of suspension.

8. Fees and Charges

(a) The Customer shall bear, and authorizes the Company to debit from the Customer’s nominated Account, any fees, charges or expenses which the Company may impose for re-sending any Advice or Statements as requested by the Customer.

(b) The Customer will ensure that there are sufficient funds/credit in the Customer’s nominated Account to cover accrued charges.

9. System Security

(a) The Customer must keep any password and security details secret and take all reasonable precautions to prevent unauthorized or fraudulent use of the Customer’s password or security details and ensure that unauthorized or fraudulent access to the Service is prevented.

(b) The Customer should change the Customer’s password regularly to prevent unauthorized or fraudulent access to the Service.

(c) The Customer should never respond to a request purportedly from the Company via the Service to provide the Customer’s account or security details by electronic mail as the Company will never make such a request.

(d) The Customer should never provide the Customer’s account or personal information on screen following a website hyperlink from an e-Advice or e-Statement or any email sent by the Company to the Customer pursuant to these Terms and Conditions. All website hyperlinks authorized by the Company will be for information only and will not require the inputting of the Customer’s account or personal information.

(e) The Customer must inform the Company as soon as possible if any email, access to the Customer’s Hang Seng Personal e-Banking or Hang Seng Personal Banking mobile app account, e-Advices, e-Statements, or website hyperlink appears to be irregular, or if the Customer suspects that someone knows the Customer’s user name and password or may have unauthorized access to the Customer’s email or Hang Seng Personal e-Banking or Hang Seng Personal Banking mobile app account.

(f) In relation to the new user name and password chosen by the Customer, the Customer should avoid choosing a user name and password which are easy to guess.

(g) The Customer shall refer to the security advice provided by the Company or the Bank from time to time and observe in a timely manner the relevant security measures in respect of internet security as specified by the Company or the Bank on-line or otherwise from time to time.

10. Liability

(a) If the Company can show that the e-Advice and e-Statement have been sent to the Customer’s account in Hang Seng Personal e-Banking and Hang Seng Personal Banking mobile app from the server of the Bank, the HSBC Group or the Bank’s service provider, or have been otherwise provided by the Bank, the Company and the Bank will have no liability to the Customer if the Customer suffers loss due to the e-Advice and e-Statement not being received properly or at all.

(b) The Company and the Bank will not be liable for any disclosure of confidential information where the Customer has not complied with the provisions of Clause 9 (System Security).

(c) Neither the Company or the Bank, any of the Company or the Bank’s affiliates, nor any of the telecommunications companies which may be designated by the Company or the Bank for the purposes of providing the Service will assume any liability or responsibility for any failure or delay in transmitting information to the Customer or any error or failure in such information unless this results from negligence or wilful default on the part of the Company or the Bank, any of the Company or the Bank’s affiliates, or such telecommunications companies. In particular, neither the Company or the Bank, any of the Company or the Bank’s affiliates, nor any such telecommunications companies shall assume any liability or responsibility for the consequences arising from any cause beyond the reasonable control of the Company or the Bank, any of the Company or the Bank’s affiliates, or such telecommunications company including without limitation failure of the Customer’s Telecommunications Equipment to receive information for whatever reason, any telecommunications breakdown, mechanical failure, path failure, malfunction, technical breakdown, interruption or accuracy of equipment or installation.

(d) Due to the nature of the Service, the Bank and the Company will not be responsible for any loss or damage caused to the Customer’s data, software, computer, Telecommunications Equipment or other equipment unless such loss or damage is directly and solely caused by the Bank’s negligence or wilful default.

(e) The third parties (including without limitation, system operators and internet service providers) supporting the Service are neither agencies of the Company or the Bank nor representing the Company or the Bank. There is no co-operation, partnership, joint venture or other relationship with the Company or the Bank. The Company and the Bank is not and will not be responsible whatsoever for any losses or damages caused by such third parties.

(f) The Customer hereby undertakes to ratify and confirm all things and matters done by the Company and the Bank, its nominee, their respective officers and employees pursuant to or in connection with the provision of the Service to the Customer and agrees to indemnify the Company and the Bank, its nominee, their respective officers and employees against all or any losses, liabilities, charges, expenses and penalties of any kind which may be incurred or suffered by any of them in connection with or as a result of the provision of Service to the Customer unless directly and solely caused by or due to the negligence or wilful default of any of them and then only to the extent of direct and reasonably foreseeable loss and damages (if any) arising directly and solely therefrom.

11. Amendments

The Company reserves the right to revise, amend or modify these Terms and Conditions from time to time upon notice to the Customer using such means of notification as it shall deem appropriate. Use of the Service after the date upon which any changes to these Terms and Conditions are to take effect will constitute acceptance by the Customer of such changes. If the Customer does not accept any proposed changes, the Customer must cancel or terminate the Service prior to the date upon which such changes are to take effect.

12. Waiver

(a) A waiver by the Company of any provision of these Terms and Conditions will not be effective unless given in writing and only to the extent that it is expressly stated to be given.

(b) A failure, delay or indulgence by the Company in exercising any of its right or remedy will not operate as a waiver of that right or remedy. A single or partial exercise of any right or remedy by the Company does not preclude any further exercise of that power or right or any other power or right.

(c) The Company’s rights and remedies under these Terms and Conditions are cumulative and do not exclude other rights and remedies provided by law.

13. Governing Law and Jurisdiction

The Service and these Terms and Conditions are governed by and construed in accordance with the laws of Hong Kong. The Customer and the Company agree to submit to the non-exclusive jurisdiction of the courts of Hong Kong. These Terms and Conditions may be enforced in the courts of any competent jurisdiction.

14. Severability

If any part of these Terms and Conditions is held by any court or administrative body of competent jurisdiction to be illegal, void or unenforceable, such determination will not impair or affect the legality, validity or enforceability of the remaining parts of these Terms and Conditions.

15. Governing Version

The English version of these Terms and Conditions shall prevail if there is a difference between the English version and the Chinese version.

恒生保险电子结单/e-Advice服务章则

1. xx

x「本章则」内：

“户口”指以「客户」名义于「本公司」开立之任何保险户口（不包括所有从恒生保险的保险经纪渠道购买的所有保单，以及从各渠道购买的指定保费回赠产品及投资相连寿险计划）

“通知书”指不时由「本行」发🎧或提供并与一个或多个「户口」或与「本行」提供之产品及服务有关之通知、报告、确认书、买卖合约、纪录、收据、认收通知、讯息、公告、信息及/或其他通讯，但不包括「结单」； “本行”指恒生银行有限公司；

“本公司”指恒生保险有限公司；

“客户”指以其姓名开立一个或多个「户口」之人士或（视情况而定）每名人士，并包括该等人士之遗产代理人或合法继承人，倘文义允许，亦包括任何由「客户」不时通知「本公司」及「本行」并获「客户」授权可以向「本公司」及「本行」发🎧指示之人士；

“指定电邮地址”指「客户」不时以指定形式通知「本行」之电邮地址，以便「本行」向「客户」发🎧「电子通知书」、「电子结单」或提示讯息；

“e-Advice”指「本行」根据「服务」而不时以「电子纪录」形式发🎧或提供之任何「本行」的「通知书」； “e-Statement”指「本公司」根据「服务」而不时以「电子纪录」形式发🎧或提供之任何「结单」；

“电子纪录”指由一信息系统产生之数码化纪录，并可(a)于一个信息系统内传送或由一个信息系统传送至另一个信息系统；及(b)于一个信息系统或其他媒介内储存及取回；

“恒生个人e-Banking”指「本行」（根据有关章则）不时透过任何由「本行」或代表「本行」建立、运作及/

或维持之互联网站提供之网上银行服务及设施，供「客户」于网上向「本行」发🎧指示及与「本行」联络，以便进行银行、投资、财务及其他不同性质的交易及买卖，以及获取「本行」及/或汇丰集团成员提供之服务、产品、信息、货物、利益及优惠；

“香港”指中华人民共和国香港特别行政区；

“服务”指该等不时以「本公司」指定形式（可由「本公司」全权决定）提供予「客户」而与一个或多个「户口」或与「本公司」提供之产品及服务，及任何其他相关或附带服务有关之e-Advice及e-Statement服务；

“结单”指不时由「本公司」发🎧或提供而与一个或多个「户口」或与「本公司」提供之产品及服务有关之任何户

口结单、纪录、确认书及报告；

“通讯设备”指手提电脑、桌面电脑、掌上电脑、手提电话及任何其他用作接收「服务」之电子媒介及/或器材；

2. 使用之条款

(a) 以下为使用「服务」之章则（「本章则」），但不会替代任何「户口」、使用「恒生个人e-Banking」和「流动理财」及其他由「本行」及「本公司」提供之产品及服务之章则，并为该等章则之额外及补充条款。除非另有

规定，否则该等章则将继续适用。建议「客户」于继续进行申请「服务」及/或使用「服务」前，将该等章则连

同「本章则」再次细阅。「客户」一经申请及/或使用「服务」，即表示「客户」已明白及接受「本章则」，并视为「客户」接受「本章则」约束。

(b) 阁下承认及同意「服务」的提供及使用，需接受由任何监管机构、政府机关、交易所或专业团体不时发🎧之任何适用法律、规例或法令，或任何规则、指示、指引、守则、通知或限制（不论是否具法律效力）之规限。

3. 「客户」之接纳及授权

(a) 于「本章则」之规限下，「客户」要求并授权「本公司」提供「服务」，亦同意「本公司」可以按下述5(b)段所述之形式，向「客户」提供「通知书」及「结单」。

(b) 鉴于「本公司」同意向「客户」提供「服务」，「客户」接纳并同意受「本章则」之约束。

(d) 「客户」承认及同意「本公司」可全权决定拒绝「客户」之「服务」申请而毋须提🎧理由。

4. 「客户」资料

(a) 「客户」同意及承认「客户」之个人资料及所有其他「客户」与「本公司」之交易或买卖有关之数据，均会用于向「客户」提供「服务」。「客户」授权「本公司」可以使用、储存，以及向其认为有需要之人士（包括汇丰集

团成员或任何第三者服务供货商）披露、转移（不论在香港以内或以外）、取得及/或交换该等个人资料及其他数据，以作「本公司」认为适当之任何用途。

(b) 「客户」保证提供予「本公司」的所有数据乃尽其所知最准确及最新者。

5. 「服务」范围

(a) 「本公司」会不时决定及指定「服务」之范围及特点，以及有权随时予以更改、扩大或减少有关「服务」，并通知或毋须通知「客户」。尤其是「本公司」可以不时决定从「服务」中增加或删除以e-Advice或e-Statement形式提供之「通知书」或「结单」种类，以及所提供之e-Advice或e-Statement之形式。

(b) 「本公司」可透过以下形式提供「服务」：

(i) 「客户」可透过「恒生个人e-Banking」及「流动理财」取得、浏览及下载e-Advice或e-Statement；及/或

(ii) 其他「本公司」认为适当之形式。「本公司」可以全权决定与若干「户口」或产品及服务有关之e-Advice或e-

Statement之提供形式。

(c) 「客户」及任何其他人士查阅e-Advice或e-Statement时，不应将当中的任何数据或通讯视为在任何司法管辖区认购任何产品或服务（包括但不限于投资、存款、保险及贷款）的招引或游说，而在该等司法管辖区向任何人士使🎧该等招引或游说属于违法。

(d) 倘「本公司」发🎧更改「服务」之通知，有关通知可以「本公司」认为适当之形式或方法发🎧，包括但不限于展示于「恒生个人e-Banking」或「流动理财」或「本公司」网页或电子通讯方式例如电邮。

(e) 「客户」一经同意「本公司」向「客户」提供「服务」，(i)「户口」或「本公司」所提供之产品及服务之「通知书」及「结单」可以e-Advice 及e-Statement 形式提供，「本公司」会根据「本章则」，以e-Advice 及e-

Statement方式发予「客户」，而不会再邮寄印刷本；及(ii)除非另有规定，「本公司」可无须另行通知而将「客户」在「本公司」开立之所有新「户口」及其他不时由「本公司」提供予「客户」或由「客户」使用之产品及服务，包括在「服务」之内，除非及直至「客户」或「本公司」根据「本章则」暂停或终止「服务」或其任何部分。

6. 「服务」的申请及操作

(a) 为了使「客户」能使用「服务」，「客户」需备有由互联网服务供货商提供之互联网服务及能够接收及阅读e- Advice 、e-Statement及提示讯息（如适用）之适当「通讯设备」及电脑软件。前述各项须由「客户」自行负责，并承担所有费用、收费及支🎧，以确保该等服务和设施能接收「服务」。

(b) 「客户」未能履行上述第(a)项条文，或会令「本公司」无法向「客户」提供「服务」。

(d) 「客户」同意e-Advice及e-Statement将为「本公司」及「客户」之间就当中资料及细节的确实证明，而e- Advice及e-Statement将对「客户」具有约束力，并将视为「客户」已同意放弃任何就e-Advice及e-Statement而

向「本公司」提🎧反对或追讨赔偿的权利，除非「客户」能在「本公司」不时为指定e-Advice及e-Statement种类而设定之限期内，以书面将任何「错失」通知「本公司」。

(e) 若「客户」的「电讯设备」或服务已被中断或暂停，必须立即通知「本公司」。

(f) 客户知悉并同意，「本公司」透过恒生个人e-Banking及「流动理财」，通过「服务」以电子通知或电子结单的

形式向客户发送的任何通知或结单，当该电子通知或电子结单在恒生个人e-Banking及「流动理财」中可供获取的同时，应被视为由「本公司」提供，已向客户送达并收妥，而不论该等电子通知书或电子结单是否被「本公司」无法控制的信息系统接受，或该等电子通知书或电子结单是否为客户所觉察，「本公司」的任何责任和义务

(根据适用法律、监管要求或其他均适用等）已完全履行。客户知悉并同意，其需以确保能够使用和登入恒生个人e-Banking和「流动理财」为其唯一责任。

(g) 倘任何e-Advice或e-Statement可以透过「本公司」之网页或「恒生个人e-Banking」或「流动理财」取得，e- Advice及e-Statement只会根据「本公司」认为适合之期间作🎧保留，之后将会自「本公司」之网页或「恒生个人e-Banking」或「流动理财」系统中删除或移除。「客户」有责任及时查阅e-Advice及e-Statement，并在e-

Advice及e-Statement自「本公司」之网页或「恒生个人e-Banking」或「流动理财」系统中删除之前，将e- Advice及e-Statement下载及储存于「客户」之电脑内或打印副本以备日后参考之用。不过，「客户」可以要求

「本公司」以邮寄方式并向「本公司」缴付规定之费用﹙如适用﹚，补发e-Advice及e-Statement之副本。为免

产生疑问，「本公司」只会以邮寄方式重发该等「通知书」或「结单」之副本，而并非以e-Advice 或e-

Statement形式发送。

(h) 倘「服务」乃采用「本公司」或其他汇丰集团成员之专有软件，「客户」可就「服务」或其他「本公司」容许之目的获授予一项非专属许可。「客户」同意不会对任何该等软件或容许任何其他人士对该等软件进行反汇编、复制、修改或逆向工程。

7. 「服务」的暂停或终止

(a) 「本公司」有绝对酌情权毋须通知「客户」而以任何理由暂停或终止「服务」或其任何部份，包括但不限于数据失效、有关「户口」结束、电讯公司就其网络或「服务」之任何服务供货商就进行系统故障、维修、更改、扩充

及/或提升工作，或「本公司」怀疑「客户」未有收到e-Advice及e-Statement或e-Advice及e-Statement被未经授权人士查阅。

(b) 「本公司」对该等暂停或终止不会负任何责任。

(d) 任何暂停「服务」不会损害及不会影响「本公司」及「客户」于暂停日期前已累积之责任及权利。

8. 费用及收费

(a) 「客户」将承担「本公司」应「客户」要求重发任何「通知书」或「结单」而收取之任何费用、收费或支🎧，并授权「本公司」于「客户」指定「户口」支取有关款项。

(b) 「客户」将确保指定「户口」内有足够资金/结余以支付所产生之有关费用。

9. 系统保安

(a) 「客户」必须将任何密码及保安数据保密，并采取一切合理措施防止「客户」之密码及保安数据被未经授权或欺诈地使用，并确保「服务」不会被未经授权或欺诈地取用。

(b) 「客户」应定期更改密码，以防止「服务」被未经授权或欺诈地取用。

(d) 「客户」不应在e-Advice或e-Statement（或「本公司」根据「本章则」而向「客户」发🎧之电邮）提供之超链接网站提供其户口及个人资料。所有获「本公司」授权之超链接网站仅供参考用途，以及毋须输入「客户」之户口及个人资料。

(e) 倘「客户」察觉任何电邮、进入「客户」之「恒生个人e-Banking 」或「流动理财」户口、e-Advice 、e- Statement或网页之超链接网站有不正常现象，或「客户」怀疑其他人知悉其用户名称及密码或「客户」之电邮或「恒生个人e-Banking 」或「流动理财」户口被未经授权使用，应尽快通知「本公司」。

(f) 「客户」新选择用户名称及密码时，应避免拣选容易被猜测之用户名称及密码。

(g) 「客户」应不时参照由「本行」及「本公司」提供的保安建议，并适时地遵守「本行」及「本公司」不时就互联网保安而于网上或其他途径发🎧之有关保安措施。

10. 责任

(a) 倘「本公司」能证明e-Advice及e-Statement已经由「本行」、汇丰集团或「本行」之服务供货商之服务器传送至「客户」之「恒生个人e-Banking 」或「流动理财」，或由「本行」以其他方式提供，即使「客户」因未能妥为收取或完全未有收取而蒙受损失，「本行」及「本公司」将毋须负责。

(b) 倘「客户」未能遵守第9条（系统保安）之条文规定，「本行」及「本公司」毋须就任何机密资料被披露负责。

「本行」及「本公司」任何附属公司，或「本行」及「本公司」指定作为提供「服务」之任何电讯公司的疏忽或故意失责导致，否则「本行」及「本公司」、「本行」及「本公司」任何附属公司，或有关电讯公司均不会负任何责任。「本行」及「本公司」、「本行」及「本公司」任何附属公司，或有关电讯公司尤其不会对「本行」及

「本公司」、「本行」及「本公司」任何附属公司，或有关电讯公司所能合理控制范围以外的事件而引致之后果负任何责任，包括但不限于「客户」之「通讯设备」因任何原因无法接收数据、任何通讯失灵、机械故障、路径失败、失灵、技术故障、干扰或设备、装置不正确。

(d) 基于「服务」之性质，「本行」及「本公司」不会对「客户」之数据、软件、电脑、「通讯设备」或其他设备之损失或损坏负责，除非该等损失或损坏是纯粹因为「本行」之疏忽或故意失责而直接及纯粹由此而造成。

(e) 为「服务」提供支持的第三方（包括但不限于系统操作人员及互联网服务供货商），并非「本行」及「本公司」的代理人或「本行」及「本公司」之代表。彼等与「本行」及「本公司」并无合作、伙伴、合营或其他关系。

「本行」及「本公司」对该等第三方引致之任何损失或损害不负任何责任。

(f) 「客户」承诺对「本行」及「本公司」，其代理人、有关之高级人员及雇员就「本行」及「本公司」为「客户」提供之「服务」及有关而作🎧之所有事情及事宜予以追认及确认，并同意对「本行」及「本公司」，其代理人、有关之高级人员及雇员因为向「客户」提供「服务」或与此有关而招致或蒙受之所有损失、责任、收费、支🎧及任何罚款作🎧弥偿，除非纯粹因为彼等之疏忽或故意失责而直接造成，惟有关弥偿只限于直接及纯粹由此而引致之直接及可合理地预见之损失及损害（如有）。

11. 修订

(a) 「本公司」保留权利，可以「本公司」认为合适的方法，不时向「客户」发🎧通知，藉以调整、修订或更改「本章则」。「客户」于「本章则」任何更改之生效日期后使用「服务」，即构成「客户」接纳该等修订。倘「客户」不接纳任何更改建议，必须于有关更改之生效日期前，取消或终止「服务」。

12. 放弃权利

(a) 「本公司」放弃「本章则」之任何条文，除非以书面发🎧并明确列明，否则不会有效。

(b) 「本公司」之不作为、延误或遗漏行使「本章则」任何权利或补救方法，并不作为放弃此等权利或补救方法，

「本公司」单一次或部分行使任何权利或补救方法，亦不排除任何进一步行使该等权利或权力，或任何其他权利或权力。

13. 管辖法律及司法管辖权

「服务」及「本章则」须受香港特别行政区法律管辖，并依其诠释。「客户」及「本公司」均同意接受香港特别行政区法院行使非专属司法管辖权，惟「本章则」可在任何司法管辖区之法院强制执行。

14. 可分割性

倘「本章则」之任何部份被任何司法管辖区之法院或行政机关判定属非法、无效或不能强制执行，「本章则」其余部份之合法性、有效性或可强制执行性概不受影响。

15. 有效文本

「本章则」之英文版与中文译本如在文义上有任何歧异，概以英文版为准。

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