Terms & Conditions

Amendments to Terms

Navigator Insurance Brokers Ltd (“Navigator”) reserves the right to revise or update these terms at any time. Such revisions are effective immediately upon posting on the website. Your continued use of the website constitutes acceptance of any changes. You acknowledge that revisions may occur without direct notification to you.

Applicable Laws and Jurisdiction

These terms are governed by the laws of Hong Kong SAR, and any disputes will be subject to the jurisdiction of Hong Kong courts.

Communication Consent

By contacting Navigator via telephone or email, you consent to the recording of communications for training, quality assurance, and fraud prevention purposes.

Compliance with Local Laws

You are responsible for ensuring compliance with local laws applicable to your use of the website. Navigator is not liable for any content lost when uploading to the site.

Confirmation of Insurance

Insurance purchases are not finalized until confirmation is received from Navigator. Any policy details provided on the website are not comprehensive, and the specific terms of your policy will govern.

Cookie Policy

Navigator uses cookies to analyse website traffic and improve user experience. Cookies do not provide Navigator access to your personal data.

Direct Marketing and Anti-Spam

Your personal data may be used for marketing purposes, subject to your consent. If you wish to opt out of receiving marketing communications, you can notify Navigator by email. Navigator forbids spamming and will investigate any suspicious activity reported.

External Links

Links provided on this website are for informational purposes only, and Navigator is not responsible for the content or terms of third-party websites. Accessing these links is at your own risk.

Indemnity

You agree to indemnify Navigator against any losses or costs arising from your breach of these terms and conditions.

Insurance Arrangements

All insurance offered via this website is arranged through licensed insurers. Navigator is a registered member of the Hong Kong Confederation of Insurance Brokers Ltd.

Intellectual Property and Limitations of Use

You are prohibited from using, reproducing, or transferring any content from this website without Navigator’s consent. Navigator owns all intellectual property on the website, and infringement of these rights will result in legal action. User-generated comments become Navigator’s property, and you are not allowed to insert hyperlinks or interfere with the website’s functionality.

Invalid Provisions

If any provision of these terms is found to be unlawful or void, it shall not affect the validity or enforceability of the remaining provisions.

Navigator Remuneration

Navigator is remunerated through commissions paid by insurers. By proceeding with insurance purchases through Navigator, you consent to this remuneration.

No Advice Provided

The information on this website is not personalised and does not constitute financial, medical, or personal advice. You are encouraged to seek independent advice directly from one of our brokers before acting on any information from the website.

Online Transactions and Payment

Online transactions are confirmed once payment is successfully processed. Navigator is not liable for mechanical or electronic failures during the transaction process. Navigator may refuse transactions or withdraw products at any time.

Privacy and Personal Data

Navigator collects personal data, including identification, financial, and health information, for insurance-related purposes. Personal data may be shared with insurers, agents, and legal or regulatory authorities. You have rights under the PDPO to access and correct your data. For more details, refer to the Privacy Policy.

Refund Policy  

No premium refunds are offered once an insurance policy is issued, except for annual cover.

Remuneration  

Navigator is remunerated through commissions paid by insurers. By proceeding with insurance purchases through Navigator, you consent to this remuneration.

Security and Online Payment  

Payments made via the website are securely transmitted and encrypted. Navigator does not retain credit card information longer than necessary to process transactions.

Website Availability and Accuracy

Navigator does not guarantee uninterrupted access to the website or error-free content. All materials and information provided are on an ‘as is’ basis. Any information or tools used do not constitute an official offer of insurance. The use of the website is at the user’s own risk, and Navigator accepts no liability for viruses, data loss, or damages caused by third-party alterations to content.