Please read these Terms and Conditions carefully before using this website,, (the “Site”). By using the Site, you agree to be bound by these Terms and Conditions. If you do not agree with any part of the terms and conditions below, please do not access this Site. Your continued use of the Site will constitute your acceptance of these Terms and Conditions, as may be revised and changed by Times Insurance Consultants Ltd (“TIMES”) from time to time without prior notice to you.
If you have any questions about these Terms and Conditions, please contact us by phone or by email at

Online Services
TIMES is an insurance broker and a registered member of The Hong Kong Confederation of Insurance Brokers. All insurance products and services arranged by TIMES for its clients are provided by licensed insurance companies or fund providers, and TIMES does not underwrite any insurance risk of any kind.
If you apply or enroll for any products or services on this Site, you are required to ensure the details and information that you provide are correct, complete and in good faith. You are advised to read the terms and conditions of each individual product or service together with these Terms and Conditions before your submission of application. The specific product’s conditions shall prevail in case of any contradiction between these Terms and Conditions and the conditions of specific product or service.
The information and descriptions on this Site are not representative of the complete descriptions of the precise cover, terms, conditions and exclusions of a particular product. The comprehensive information shall be included in the schedule of cover, policy documents, certificates and/or confirmation letter and will be provided either physically or electronically.
Your request for quote or purchase for any products or services on this Site may not be interpreted as an offer by TIMES to provide such product to you. TIMES may accept or reject the request based on the terms and conditions and/or approval criteria governed by individual insurance or fund providers. The acceptance of your offer or request for purchase of product(s) or service(s) on this Site will be confirmed with a Notification of Confirmation sent by TIMES. No products or services should be assumed to be effective until you are notified with a TIMES’s Notification of Confirmation or Insurance Certificate.

Purchase of Insurance
When you provide the required information for purchase of a specific product via this Site, you should fully and faithfully give the information that you know or could reasonably expected to know for which might affect the approval process of the insurance. As otherwise, you may not entitle to have the insurance coverage that you purchased for.
TIMES does not have the liability to verify the authenticity of the purchase instructions transmitted electronically by any person using the site. Due to the reliability of Internet as a communication media cannot be guaranteed and the performance or traffic of the Internet is beyond the control of TIMES, TIMES does not responsible for any loss of correctness or timeliness of any messages sent or transactions conducted through this Site arising from or in relation to any failures in communication facilities.

No Advice
The information or materials in this Site does not specifically take into consideration of your particular personal financial or insurance positions, and TIMES does not provide advice of any kind to you in relating to your personal, financial or investment requirements. Before acting upon any of the information contained in this Site, you should seek independent advice concerning your particular position where necessary.

All materials in this Site, including without limitation to images, logos, names, icons and trademarks are the property of TIMES or its affiliates or licensors. Nothing contained on this Site should be construed to give any person any right to use any images, logos, name or trademark displayed on this Site. Except as otherwise indicated, TIMES is the owner of this Site, its content and data may not be exploit, retrieved, distributed, modified, copied, published and reproduced without the written prior approval of TIMES.

Personal User ID and Passwords
TIMES values and protects the privacy of your personal information. Please review the Privacy Policy of Times Insurance Consultants Ltd, as through the use of this Site you agree that the personal information you have provided to us will be handled according to the Privacy Policy.
To access some protected portions of the Site, users required to input user identification code (“User ID”) and password to unlock the account. Unauthorized access or use of such portions of the Site is prohibited. If you believe that a third party has obtained your User ID or password, or if you believe that any unauthorized access or use may occur or has occurred, you agree that you will notify TIMES immediately. For your protection, if TIMES believes that any unauthorized access may occur or has occurred, TIMES may terminate such access without prior notice to you. You also agree that TIMES is permitted to act upon any instructions received using your User ID and password and to consider such instructions as authorized by you.

Third-Party Links
Third-Party content and advertising, including but not limited to Insurance Companies and MPF service providers, may appear on or be accessible from the Site. These links to websites hosted by other parties (“Third-Party Sites”) are offered as a convenience and for informational purposes only, not as referrals or endorsements by TIMES of the Third-Party Sites. The Third-Party Sites are maintained by their respective organizations, and those organizations are solely responsible for the content of their own websites. TIMES is not responsible for and assumes no liability about the content, inaccuracy, error, omission, opinions expressed, warranties, products or services, intellectual property compliance, or links of such Third-Party Sites.

TIMES has taken reasonable effort to ensure the information in this Site has been compiled from sources believed to be current, complete and reliable at the date of publication. All information, products, content and other materials contained in the Site or in a Third-Party Site are provided “as is” and without warranties or representations of any kind, either express or implied. TIMES expressly disclaims all warranties, express or implied, including without limitation the warranties of title and non-infringement and the implied warranties of merchantability and fitness for a particular purpose. In addition, TIMES does not represent or warrant that: (i) the operation of the Site will be error-free or uninterrupted; (ii) defects will be corrected; (iii) the Site, any emails sent by TIMES, or the server that makes the Site available are free of viruses or other harmful devices; (iv) the Site will be available to you or that you will qualify for products or services offered; (v) the materials in the Site will be accurate as of any particular date.
Unless otherwise specified, the products or services offered through the Site are not available outside of Hong Kong or in jurisdictions in which TIMES is not properly licensed.

Limitation of Liability
TIMES shall not be liable for any loss, injury, damage, claim, liability, nor any indirect, incidental, special or consequential damages of any kind in any way due to, resulting from, or arising in connection with: (i) the Site, materials in the Site, or the inability to use the Site; (ii) any Third-Party Site, materials in any Third-Party Site, or the inability to use any Third-Party Site; (iii) any failure of performance, defect, omission, error, interruption, delay, or computer virus or line or system failure, even if TIMES or representatives have been advised of the possibility of such damages, losses or expenses.

Governing Law and Jurisdiction
In respect of the products and services in this Site which are made available for purchase in Hong Kong, all the relevant Terms and Conditions shall be governed by and construed in accordance with laws of Hong Kong. Any disputes arising from the use of this Site shall be subject to the sole jurisdiction of the courts of Hong Kong.
If you are in a place with jurisdiction imposes restrictions on TIMES’s services or do not allow access to the information of this Site, you shall comply with those restrictions and TIMES shall not be liable to the consequences due to such access of the Site.

If there is inconsistency between the English and Chinese versions of this Notice, the English version shall prevail.