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一般條款及細則

一般條款及細則

Last update on 2020 08 26

(2020 年 2 月 16 日版)

一、 本站條款和條件——請耐心閱讀
 
1.    閱讀條款和條件雖然相當辛苦，但還是請細心閱讀，包括隱私政策和Cookie 政策(統稱為《條款和條件》)。
為什麼？因為當您登訪我們的網站www.gobear.com/hk (「網站」 或「GoBear」)之時，或從此處讀取、使用或獲得任何內容或資料，又或通過我們的網站而獲得或使用我們的任何服務，您等於同意遵守我們的條款和條件。無論您是通過電腦、移動設備還是其他方式登訪我們的網站，上述條款和條件都適用。條款和條件的主要語言為英語。如果詮釋有分歧，則以條款和條件的英文版本為準。

2.    同意遵守條款和條件，等於與我們 Woodpecker Asia Tech Pte. Ltd 公司及我們的 GoBear 企業集團 （以下統稱為「我們」) 達成具約束力的法律協議。

3.    如果您不同意或不願意接受全部條款和條件，我們便不得不遺憾地說再見，並請您立即停止使用我們的網站。 

4.    本網站僅供居住在中國香港特別行政區的人士使用 ( 即「香港居民」)。同意接受條款和條件約束，即等於您表示及保證您是香港居民。如果您不是香港居民，請停止使用我們的網站，並重新選擇您的居住國或地區： 請點擊這裡。 


二、     修改即知會
 
1.    本條款和條件隨時都可能修改。本網站修改條款和條件之前，將會預先通知您。修改生效及執行之前至少七 (7) 天，修改通知將張貼於本網站，以此向您發出通知。您本人同意，當上述的七 (7) 天通知期屆滿，而您 (繼續) 登訪、讀取或使用我們的網站或獲取或使用我們通過本網站提供的任何服務，您就有責任經常查閱其條款和條件，並且遵守任何修改後的條款和條件。

2.    再次聲明，如果您對我們修改後的條款和條件不滿意，並且不願意接受所有修改後的條款和條件，請您立即停止使用我們的網站。


 
三、     GOBEAR 運作概述
 
1.    我們與金融服務公司、保險經紀公司、保險公司、金融服務產品中介機構和/或金融機構 (統稱為「金融服務提供商」) 合作在香港向您提供多種產品。 

2.    當您鍵入特定的個人(按照我們隱私政策的定義)及其他相關資料，本網站將因應您所選的金融服務產品，生成價格及好處比較資訊。您選好金融服務產品後，本網站將列出相關的金融服務提供商和價格，您也能點擊「選擇」產品。一般保險產品等特定產品可從本網站獲得資訊和購買。查看和購買其他產品，則須轉到有關金融服務提供商的網站。

 

四、     GOBEAR 與金融服務提供商的關係
 
1.    我們向金融服務提供商收取報酬。

2.    本網站所顯示的金融服務提供商資訊及其產品，以及所生成的價格、好處，里程或回饋比較 (結果) (稱為「比較內容」) ，是基於我們從金融服務提供商那裡獲得的資訊和資料以及您向本網站提交的資料而生成。我們不對「比較內容」的準確性、完整性或正確性承擔任何責任或賠償之責，我們也不對其中的任何誤差、錯誤或遺漏承擔責任或賠償之責。

3.    除了我們所提供的產品外，其他任何金融服務提供商、產品或網站均非由我們擁有、控制或經營。我們絕不為有關網站承擔責任或賠償之責，也絕不對您因使用有關網站而遭受之任何損失或損害承擔責任或賠償之責。金融服務提供商的網站很可能都有個別的條款和條件及隱私政策，您在使用相關金融服務提供商的網站之前，須首先參考其條款和條件及隱私政策。您與金融服務提供商之間任何往來和交易均由您負責，其中風險完全由您自己承擔。 

4.    除了我們提供的產品之外，您所作之其他購買、金融服務提供商所提供的產品、產品的適用性或品質，又或您與金融服務提供商所簽訂的協義，我們絕不承擔任何責任或賠償之責。 


  
五、 自承責任
 
1.    您同意對以下事項負責：

  1. 您必須年滿18歲，才可使用我們的網站，且限於個人及非商業用途；
  2. 如果您通過本網站開設帳戶，又或您 (在未開設帳戶情況之下) 向我們提交任何個人資料 (按照我們隱私政策的定義) 隱私政策或其他資料，您即表示您所提供的資料均為正確、最新、準確和完整。
  3. 您負責隨時更新個人資料及保持其準確性；
  4. 您有責任保障自己帳戶 (用戶名和密碼) 的安全，不可與別人共用帳戶資料，如果您懷疑您的帳戶有任何活動未經授權，您必須告知我們；
  5. 您不得將本網站或服務用於任何非法或違法的目的；
  6. 您不可違反任何本網站設置的技術措施，又或繞過、規避，迴避、移除、停用、解擾、解密或以其他方法毁損我們所安裝或使用的任何措施，而有關措施是為了防止或限制特定人士使用我們網站 (或其部分)、網站的 IP (按照條款和條件以下第七條 (第 1 項) 的定義) 或內容；
  7. 您不可從任何網站創建連結以連接到我們的網站；
  8. 您不可使用任何軟體、儀器或設備 (試圖) 干擾本網站或本網站的正常運行；
  9. ;您負責檢查並確保本網站所顯示的金融服務提供商所提供的產品對您個人使用是否合適有用、品質是否良好及是否能購得，而若有需要，您應該首先對相關產品尋求並獲得專業意見，然後才決定購買或提交申請；
  10. 如果您有意在本網站發佈任何內容 (例如發佈產品評論等) ，您在此保證您在本網站張貼的內容絕不可： (i) 被視為或將被視為非法、威脅、辱罵、狂熱、仇恨、誹謗、中傷、淫穢、低俗、冒犯、色情、褻瀆，露骨或不雅；(ii) 可能構成、慫恿或鼓動能構成或引起刑事罪行、民事責任或其他違反任何地方、州、國家或國際法的行為；(iii) 侵犯、抄襲或牴觸第三方權利，包括但不限於版權、商標、專利、隱私權或宣傳權，或任何其他知識產權或專有權利；(iv) 含有或可能涉及電腦病毒或其他有害成分；(v) 構成或包含虛假或誤導性的來源說明或事實陳述；(vi) 包含任何商業性質的資訊、軟體或其他材料；或 (vii) 包含任何形式的廣告、促銷或商業招攬；以及
  11. 您同意，使用本網站時絕對遵從所有適用法律和法規，以及本條款和條件。

 
六、     個人資料、隱私及 COOKIES
 
1.    我們很重視您個人資料的保護，請參考我們的隱私政策和 Cookie 政策以獲取詳情。本網站的隱私政策和Cookie 政策是本條款和條件的主體。
 


七、     卡通熊標誌屬於我們 (但是，有的內容屬於金融服務提供商)
 
1.    我們擁有本網站，以及本網站所顯示的所有資料和內容，包括但不限於我們卡通熊標誌的所有圖片，其他所有圖片、文字、符號、標誌、設計、商標、圖形及文檔，除了與我們合作的金融服務提供商或其他相關第三方所擁有或取得特許使用的資料則例外 (統稱為 「網站 IP」）。

2.您遵循本條款和條件，獲准將本網站和服務用於個人用途，但不可使用、抄寫、傳播、放入深連結或超連結、刮竊、下載、顯示、複製、銷售、買賣、促銷、利用、剝削、發佈、分發、廣播或仿製、再現網站的 IP 或其任何部分，除非您事先獲得我們、相關金融服務提供商，或者與我們合作的第三方的書面批准，視所需為何者。要聯繫我們，請請點擊這裡。

 
 
八、     陳述和保證免責聲明
 
1.    本網站、我們通過本網站而提供的比較內容和服務，是基於「現有」和「當前可得」而提供。雖然我們會使用合理的措施確保其準確性，但對於本網站、比較內容、我們通過我們網站所提供的服務，又或您可能被重新導向至的金融服務提供商網站 (的內容)，我們不以明示或暗示的方式，發表任何陳述、任何形式的保證或擔保，包括（但不限於）陳述、保證或擔保有關標題、不侵權、適用性、價值性、有用性、準確性、完整性、安全性、時效性、品質或適合於特定用途，包括您自己的個人用途。

2.    再者，我們不以明示或暗示的方式，陳述、保證或擔保我們的網站、比較內容、我們通過本站提供的服務，又或金融服務提供商網站 (的內容) 等不受干擾、沒有錯誤，沒有缺陷、無病毒，及時、可安全讀取或使用。


 
第九、     索償限制
 
1.    我們與我們的董事、高級行政人員、成員、僱員、代表和子公司均排除對任何性質的損失或損害的任何及全部賠償責任，不論是由於合約、侵權行為，又或由於把您重新導引到金融服務提供商的網站，以及您後續與金融服務提供商之間的互動和交易而引致的嚴格賠償責任等。

2.    我們與我們的董事、高級行政人員、成員、僱員、代表和子公司均排除對任何性質的損失或損害的任何及全部賠償責任，不論是由於合約、侵權行為，又或由於您向金融服務提供商購買、預期購買或申請購買某產品而引致的嚴格賠償責任等。 

3.    我們與我們的董事、高級行政人員、成員、僱員、代表和子公司均排除對任何性質的損失或損害的任何及全部賠償責任，不論起因為下列何者：

  1. 您登訪或讀取我們的網站、比較內容又或使用我們通過我們網站所提供的服務，又或把您重新導引到金融服務提供商的網站 (的內容) 而引致您的電腦、電腦程式或系統或其他專有材料而感染任何病毒或其他破壞性的事物；又或
  2. 不可抗力事件，例如爆發戰爭、罷工和天災、互聯網服務提供商或託管合作夥伴的故障或延誤、系統維護（包括定期或不定期的）和網絡中斷、谷歌雲平台、Tableau 及 GoBear 的其他供應商遭遇故障、停機問題或拒絕服務攻擊等。

4.    不論任何情況及任何事件，我們都不對任何間接、特殊、懲罰性、伴隨或後續損失，包括利潤和節約損失而承擔賠償責任，不論是由於合約、侵權行為又或由於使用我們的網站、比較內容、我們通過我們網站所提供的服務，又或由於把您重新導引到金融服務提供商網站 (的內容) 而引致嚴格賠償責任等。

5.    不論任何情況，我們總承擔的任何損失或損害賠償責任僅限於一筆港幣 500 元 (僅五百港元)，不論損失或損害是出於合約、侵權行為，又或由於使用我們的網站、比較內容、我們通過我們網站所提供的服務，又或由於把您重新導引到金融服務提供商網站 (的內容) 而引致嚴格賠償責任等。

6.    本條款所有免責和賠償限制均在法律允許的最大範圍內進行。


 
十、 賠償
 
1.    您不可撤銷地為以下列述的情況同意賠償我們，並且使我們不因任何控告、索賠、追討損失、賠償及費用 (包括合理的法律費用)而蒙受損失： (i) 由於您使用及錯誤使用我們的網站； (ii) 由於您違反了本條款和條件的任何規定； (iii) 您侵犯了任何知識產權， 包括網站 IP ； 或 (iv) 由於以上 (i) 、 (ii) 或 (iii) 項引致任何第三方向我們提出索償。

 

十一、     其他謹記事項
 
1.    我們保留終止、暫停或中斷您繼續使用和讀取本網站的權利，而我們有權隨時取消您的帳戶，無需事先通知，也無需提供任何理由。

2.    即使我們未按照本條款和條件而行使或執行我們的權利，仍不可視為或解釋為放棄該等權利；我們仍將有權在未來隨時行使或執行該等權利。

3.    倘若本條款和條件有任何條款因故而不能執行、無效、不適用或在任何轄區內變成無效，該等條款將被視為以與原來條款相近（意旨相近）而有效及可執行的條款取代，而本條款和條件的所有其餘條款均仍將完全有效。

4.    所有給我們的通知請發送到[email protected]。

5.    本條款和條件不產生任何第三方權利，而任何法律、法規或監管條例所賦予的任何此類權利特此明確加以排除。 

6.    本條款和條件構成您與我們之間的完整協議，並凌駕之前有關於本網站或通過本網站使用我們所提供服務的任何口頭或書面協議。

7.    本條款和條件以英文起草。倘若條款和條件的英文版本與任何翻譯版本之間出現分歧，在法律允許的範圍內以英文版本為準，而翻譯版本將需修改至符合英文版本，使其內容與英文版本保持一致。

 

十二、     法律及爭議解決
 
1.    請注意，本條款和條件由香港法律專屬管轄，任何爭議或索賠一律提交香港法院審理。

 

(English version 16 February 2020)

I.     OUR TERMS & CONDITIONS – PLEASE BEAR WITH US

1.    It may not be your favourite pastime but please read these Terms & Conditions including the Privacy Policy and the Cookie Policy (jointly, the “T&C’s”) carefully. Why? Because by visiting, accessing, using or obtaining any content or data from our website www.gobear.com/hk (“Website” or “GoBear”) or by obtaining or using any of the services rendered by us through our Website, you agree to be bound by these T&C’s. The T&C’s apply regardless of whether you access our Website through a computer, a mobile device or otherwise. The prevailing language of the T&C’s shall be English. In the event of any inconsistency in interpretation, the T&C’s’ version in English shall prevail.

2. By agreeing to be bound by these T&C’s you are entering into a binding legal agreement with us Woodpecker Asia Tech Pte. Ltd. and our GoBear group of companies (collectively referred to as “we”, “us” or “our”).

3. If you do not agree or wish to accept all of the terms of the T&C’s, we unfortunately have to say goodbye here and kindly ask you to discontinue the use of our Website immediately. 

 

4. Our Website is only intended to be used by persons residing in Hong Kong SAR, China (“Hong Kong Residents”). By agreeing to be bound by these T&C’s, you represent and warrant that you are a Hong Kong Resident. If you are not a Hong Kong Resident, please discontinue the use of our Website and reselect your country of residence here. 

 

II.  MODIFYING IS NOTIFYING

 

1. There may be a need for us to modify these T&C’s at any given time. Before we modify the T&C’s on our Website, we will notify you. We will do so by posting a notice on our Website at least seven (7) days before such modification becomes effective and enters into force. You agree that it is your responsibility to review these T&C’s regularly and be bound by any modified T&C’s if you (continue to) visit, access or use our Website or obtain or use any of the services rendered by us through our Website after the lapse of the aforementioned seven (7) days notification term.

 

2. Again, if you are unhappy with our modified T&C’s and you do not wish to accept all of the terms of the modified T&C’s, we kindly ask you to discontinue the use of our Website immediately.

 

III.  HOW GOBEAR WORKS IN A NUTSHELL

 

1. We work together with financial service companies, insurance brokers, insurance companies, financial services product intermediaries and/or financial institutions (jointly, the “Financial Services Provider” or “Financial Services Providers”) in Hong Kong to provide you with an assortment of products. 

 

2. After you key in certain specific Personal Data (as defined in our Privacy Policy) and other relevant data, our Website will generate a price and benefits comparison for the financial service product of your choice. Our Website will show a list of Financial Services Providers that offer your selected financial service product with the corresponding prices and an option to click on “select” with each displayed product. For certain products, you may obtain from our Website (i.e. general insurance products). For other products, you may be redirected to the website of the Financial Services Provider.

 

IV.  HOW GOBEAR AND THE FINANCIAL SERVICES PROVIDERS ARE LINKED

 

1. We are remunerated by the Financial Services Providers.

 

2. The information displayed on our Website that pertains to the Financial Services Providers, their products, as well as the (the result of the) generated price, benefits, miles or cashback comparison (the “Comparison Content”) is based on information and data we obtain from the Financial Services Providers and the information you submit through our Website. We can’t bear any responsibility or liability for the accuracy, completeness or correctness of the Comparison Content nor can we be held responsible or liable for any errors, mistakes or omissions in this respect.

 

3. Save for products offered by us, we do not own, control or operate any of the Financial Services Providers, their products or their websites. We accept no responsibility or liability in respect of those websites or for any loss or damage that may arise from your use of them. The Financial Services Provider’s website may very well have its own terms and conditions and privacy policy and you should refer to them before you use the relevant Financial Services Provider’s website. Any involvement and any dealings you have with a Financial Services Provider are for your own account and entirely at your own risk. 

 

4. Save for products offered by us, we do not bear any responsibility or liability for your purchase, the provision of the product by the Financial Services Provider, the suitability or quality of the product or the agreement you enter into with the Financial Services Provider. 

  

V.  THE THINGS THAT YOU BEAR RESPONSIBILITY FOR

 

1. You agree to be responsible for the following:

 

  1. You will use our Website only if you are 18 years or older, for personal, non-commercial use only;
  2. If you create an account through our Website or if you (otherwise) submit any Personal Data (as defined in our Privacy Policy) or other data to us, you represent that the data you provided is true, current, accurate and complete.
  3. You are responsible for keeping your Personal Data updated and accurate at all times;
  4. You are responsible for safeguarding the security of your account (username and password), you will not share your account details with anyone else and will let us know if you suspect any unauthorized activity on your account;
  5. You will refrain from using our Website or our services for any illegal or unlawful purposes;
  6. You will not violate any technological measures placed in our Website or bypass, circumvent, avoid, remove, deactivate, descramble, decrypt or otherwise impair any measures installed or used by us to prevent or restrict access to (parts of) our Website, the Website IP (as defined hereafter in clause VII(1) of these T&C’s) or the Content;
  7. You will refrain from creating a link from any website to our Website;
  8. You will not use any software, instruments or devices that (attempt to) interfere with our Website or the due operation of our Website;
  9. You are responsible for checking and ensuring the suitability, usefulness, quality, adequacy and availability of the products of the Financial Services Providers displayed on our Website for your personal use and if necessary or desired, you should seek and obtain professional advice on the products prior to making any purchasing decision or submitting an application;
  10. If you choose to submit any content for publication on our Website (e.g. posting a review for a product), you hereby warrant that no contribution to our Website (i) will be, or may be considered to be, unlawful, threatening, abusive, bigoted, hateful, libelous, defamatory, obscene, vulgar, offensive, pornographic, profane, sexually explicit or indecent; (ii) may constitute, advocate or encourage conduct that would constitute or give rise to a criminal offense, civil liability or other violation of any local, state, national or international law; (iii) violates, plagiarizes or infringes the rights of third parties including, without limitation, copyright, trademark, patent, rights of privacy or publicity, or any other intellectual property or proprietary right; (iv) contains or may be associated with a computer virus or other harmful component; (v) constitutes or contains false or misleading indications of origin or statements of fact; (vi) contains any information, software or other material of a commercial nature; or (vii) contains advertising, promotions or commercial solicitations of any kind; and
  11. You agree to only use our Website in a manner that complies with all applicable laws and regulations and is consistent with these T&C’s.

 

VI.  PERSONAL DATA, PRIVACY AND COOKIES

 

1. We take the protection of your personal data seriously and we refer to our Privacy Policy and Cookie Policy for further information and details. Our Privacy Policy and Cookie Policy form an integral part of these T&C’s.

 

VII.  THE BEAR IS OURS (PLUS, SOME OF THE CONTENT BELONGS TO THE FINANCIAL SERVICES PROVIDERS)

 

1. We are the owner of our Website and all data and content displayed on our Website including but not limited to all images of our bear, all other images, text, symbols, logos, designs, trademarks, graphics, files except for the data on our Website that is owned by or licensed to the Financial Services Providers or other relevant third parties we work with (jointly, “Website IP”).


2. Save for your permitted personal use of our Website and services in accordance with these T&C’s you will not use, copy, transmit, deep-link, hyper-link, scrape, download, display, duplicate, sell, trade, market, utilize, exploit, publish, distribute, broadcast or reproduce the Website IP or any portion thereof unless you have obtained the prior written approval from us, the relevant Financial Services Provider, or the other relevant third parties we work with, whichever is applicable. You can contact us here

 

VIII.  REPRESENTATION AND WARRANTY DISCLAIMER

 

1. Our Website, the Comparison Content and the services provided by us through our Website are provided on an “as is” and “as available” basis. Even though we will use reasonable measures to ensure accuracy, we do not make or give any express or implied representations, warranties or guarantees of any kind in relation to our Website, the Comparison Content, the services provided by us through our Website or the (content of the) websites of the Financial Services Providers that you may be redirected to including but not limited to any representations, warranties or guarantees in respect of title, non-infringement, suitability, validity, usefulness, accuracy, completeness, security, currentness, quality or fitness for a particular purpose including the purpose of your own personal use.

 

2. Further, we do not make or give any express or implied representations, warranties or guarantees for the uninterrupted, error-free, defect-free, virus-free, timely or secure access or use of our Website, the Comparison Content, the services provided by us through our Website or the (content of the) websites of the Financial Services Providers.

 

IX.  LIMITATION OF LIABILITIES

 

1. We, together with our directors, officers, members, employees, representatives and affiliates, 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 subsequent interaction and dealings with the Financial Services Providers.

 

2. We, together with our directors, officers, members, employees, representatives and affiliates, 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 your purchase or anticipated purchase of or application for a product from a Financial Services Provider. 

 

3. We, together with our directors, officers, members, employees, representatives and affiliates, expressly exclude any and all liability for any losses or damages arising from or in relation with:

  1. any viruses or other destructive properties that may infect your computer, your computer programs or systems or other proprietary material as a result of your visit or access to our Website, the Comparison Content or your use of the services provided by us through our Website, or the (content of the) websites of the Financial Services Providers that you may be redirected to; or
  2. force majeure events such as outbreak of war, strikes and acts of god, internet service provider or hosting partner failure, system maintenance (whether scheduled or unscheduled) and non-availability of network, or delay, failure or downtime issues experienced by Google Cloud Platform, Tableau and other suppliers of GoBear or denial of service attack.

 

4. Under no circumstances and in no event shall we be liable for any indirect, special, punitive, incidental or consequential damages of any kind including loss of profits and savings whether arising from contract, tort, strict liability or otherwise in relation to (the use of) our Website, the Comparison Content, the services provided by us through our Website or the (content of the) websites of the Financial Services Providers that you may be redirected to.

 

5. In any event, our aggregate liability for any losses or damages whether arising from contract, tort, strict liability or otherwise in relation to (the use of) our Website, the Comparison Content, the services provided by us through our Website or the (content of the) websites of the Financial Services Providers that you may be redirected to, is limited to an amount of HKD 500 (Five hundred Hong Kong dollars only).

 

6. All exclusions and limitations of liability in this clause shall be to the fullest extent permitted by law.

 

X.  INDEMNITY

 

1. You irrevocably agree to indemnify and hold us harmless for any claims, liabilities, losses, claims, damages and expenses (including reasonable legal fees) arising from or in relation to (i) your use and misuse of our Website; (ii) your breach of any of the provisions of these T&C’s; (iii) your infringement of any intellectual property rights including the Website IP or (iv) any third parties claims against us arising from or in relation to the aforementioned events under (i), (ii) or (iii).

 

XI.  OTHER THINGS TO BEAR IN MIND

 

1. We reserve the right to terminate, suspend or discontinue your use and access to our Website and we are entitled to cancel your account at all times without giving prior notice and without being required to provide any reason.

 

2. Should we fail to exercise or enforce our rights under these T&C’s this will not be deemed or construed to be a waiver of such right; we will remain entitled to exercise or enforce such rights in the future at any given time.

 

3. 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.

 

4. Any notice to us shall be addressed to [email protected].

 

5. These T&C’s do not create any third party rights and any such rights under any law, rule or regulation are hereby expressly excluded. 

 

6. These T&C’s make up the entire agreement between you and us and shall supersede any and all prior verbal or written agreements in relation to our Website or the use of the services provided by us through our Website.

 

7. These T&C’s are drafted in the English language. In the event of any inconsistency between the English language version and any translated version of these T&C’s, the English language version shall prevail to the extent permitted by law and the translation will be deemed to be amended to conform with and to make the translation consistent with the relevant English text.

 

XII.  LAW AND DISPUTE RESOLUTION

 

1. Please note that these T&C’s shall be exclusively governed by the laws of Hong Kong and any dispute or claim shall be submitted before the exclusive jurisdiction of the courts of Hong Kong.