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Please read these terms and conditions carefully as they apply to your use of this website. By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. These terms and conditions may be revised at any time by updating this posting by “Grand Trust Underwriters operated by Tradesky Limited” (hereafter called “Grand Trust Underwriters”). The revised terms will take effect when they are posted. You are bound by any such revisions and should therefore periodically visit this page to review the then-current terms and conditions to which you are bound.



To the fullest extent permissible pursuant to applicable law, the materials on this website are provided as is and without warranties of any kind, either expressed or implied and Grand Trust Underwriters disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Grand Trust Underwriters does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. Grand Trust Underwriters does not warrant or make any representations regarding the use or the results of the use, of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not Grand Trust Underwriters) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions, and conditions applicable to the products and services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement.



This website may be linked to other websites which are not maintained by Grand Trust Underwriters. Grand Trust Underwriters has no control over, does not assume any responsibility for and does not make any warranties or representations as to any third party content or websites, including but not limited to, the accuracy, subject matter, quality, and timeliness. By providing hyperlinks to other websites, Grand Trust Underwriters shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the service/products they provide on their websites or have any form of cooperation with such third parties and websites. Grand Trust Underwriters shall have no liability for third party content or websites or websites linking to or framing the websites of Grand Trust Underwriters.



While Grand Trust Underwriters uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, Grand Trust Underwriters makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall Grand Trust Underwriters or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Grand Trust Underwriters or its authorized representative has been advised of the possibility of such damages. In no event shall Grand Trust Underwriters’ total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website. Grand Trust Underwriters also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.



This website is owned and operated by Grand Trust Underwriters. Except as otherwise expressly permitted by Grand Trust Underwriters, no materials from this website or any website owned, operated, licensed or controlled by Grand Trust Underwriters may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without Grand Trust Underwriters’ written permission. Grand Trust Underwriters neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.



Unless otherwise expressly set forth herein, Grand Trust Underwriters makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws. Except as expressly set forth herein, the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by Grand Trust Underwriters. No security, insurance product or other product or service is offered or will be sold by Grand Trust Underwriters or, if sold by Grand Trust Underwriters, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions. Anyone interested in a particular product should contact Grand Trust Underwriters to determine whether the product is available in their jurisdiction.



Any information, other than personal data or information you transmit to Grand Trust Underwriters via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of Grand Trust Underwriters. Such information, other than personal data or information may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Grand Trust Underwriters is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Grand Trust Underwriters via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.



In using this website you may provide us with “personal data” as defined in the Personal Data (Privacy) Ordinance. By using this website you grant us the consent to use your personal data.



All trademarks, services marks, trade names, logos, and icons are proprietary to Grand Trust Underwriters. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of Grand Trust Underwriters. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with permission by Grand Trust Underwriters. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by Grand Trust Underwriters. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.



You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. Grand Trust Underwriters does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.



In the event of any ambiguity or inconsistency between the English and Chinese version of the Terms of Use and content of this website, the English version will control and prevail.



These Conditions will be governed by the laws of the Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong”). Any disputes arising from these Terms of Use shall be subject to the exclusive jurisdiction of the Hong Kong Courts.

To learn more about our coverage, please feel free to contact us.