This Privacy Policy applies to your visit to our web site http://www.libertyinternational.com.hk.

General Policy Statement
Liberty International Insurance Limited recognizes its responsibilities in relation to the collection, holding, processing, use and/or transfer of personal data under the Personal Data (Privacy) Ordinance (Cap. 486) (the "Ordinance"). Personal data will be collected only for lawful and relevant purposes and all practicable steps to ensure security of the personal data and to avoid unauthorized or accidental access, erasure or other use.

Information Gathering
The level of information gathered by Liberty International Insurance Limited varies depending upon your request. The gathering of this information is designed with you in mind so that we can better service the products we offer you. Here are some examples of the types of information Liberty International Insurance Limited's web site collects if you choose to provide it:

• Customers' information, name, contact information (including but not limited to date of birth, nationality, Hong Kong Identity Card Number, travel document number, gender, employment and occupation record, marital & family details,..etc.), policy information, transaction records, bank and credit card account information, medical and health data and demographic information or identifier that held in a cookie or processor serial number that is combined with other personal information ("Personal Data")
  

1. Processing and determining insurance applications, insurance claims and providing ongoing insurance services;
   
2. Processing requests for payment and for direct debit authorization;
   
3. Managing, investigating and analyzing any claim, action and/or proceedings brought against the customers, and to exercise the Company's rights as more particularly defined in applicable policy wording, including but not limited to subrogation rights;
   
4. Compiling statistics or using for accounting purposes;
   
5. Conducting research, insurance surveys and analysis for the purpose of product design and development;
   
6. Meeting disclosure requirements of any local or foreign law, regulations, codes or guidelines binding on the Company, its parent and affiliated companies ("Liberty Mutual Group of Companies")
   
7. Complying with the legitimate requests or orders of the courts of Hong Kong Special Administrative Region and regulators including but not limited to the Insurance Authority, Hong Kong Federation of Insurers, auditors, governmental bodies and governmental-related establishments binding the Liberty Mutual Group of Companies;
   
8. Enabling an actual or proposed assignee of the Company to evaluate the transaction intended to be the subject of the assignment;
   
9. Conducting identity and/or credit checks and/or debt collection;
   
10. Conducting medical or health reference checks for relevant insurance products; and
    
11. Facilitating the Company's authorized service providers to provide services to the Company and/or customers for the above purposes

1. Any Liberty Mutual Group of Companies, or any other company carrying on insurance or reinsurance related business, or an intermediary;
   
2. Any agent, contractor, banker or third party service provider who provides administrative, telecommunications, computer, payment, banking or other services to the Company in connection with the operation of its business;
   
3. Third party service providers including legal advisors, investigators, loss adjusters, reinsurers, medical and rehabilitation consultants, surveyors, specialists, repairers, accountants and data processors;
   
4. Credit reference agencies, and in the event of default, any debt collection agencies or companies carrying on claim or investigation services;
   
5. Any person to whom the Company is under an obligation to make disclosure under the requirements of any law binding on the Company or any of its associated companies for the purposes of any regulations, codes or guidelines issued by governmental, regulatory or other authorities with which the Company or any of its associated companies are expected to comply;
   
6. Any person pursuant to any order of a court of competent jurisdiction;
   
7. Any actual or proposed assignee of the Liberty Mutual Group of Companies or transferee of the Liberty Mutual Group of Companies' rights in respect of the policy owners;
   
8. Companies within the Liberty Mutual Group of Companies;
   
9. Providers of risk intelligence for the purpose of customer due diligence or anti-money laundering screening;
   
10. Other banking/financial institutions, commercial or charitable organizations with whom the Company maintains business referral or other arrangements for marketing communication if "no objection" is provided; and
    
11. Third party marketing service providers and insurance intermediaries for marketing communication if "no objection" is provided.

• Use of Cookies. Cookies are alphanumeric identifiers that are stored by your web browser on your hard-drive. Some of our Company's websites may use cookies; for example to provide personalized services and/or maintain your identity across multiple pages within or across one more sessions. You do have a choice whether or not to accept the cookie, however, if you reject the cookie or if cookies are disabled on your web browser, some parts of the web site may not be operable.
  
  
• Use of Statistics. By using our website, Liberty International Insurance Limited is able to log general statistical information of our visitors through the use of tools such as Google Analytics. This record of your visit includes information such as domain name, IP address, browser type and configuration, geo-location, language settings, operation system, previous sites visited, and duration of page visits.
  
  
• Use of Logs. By using our website, Liberty International Insurance Limited is able to log general statistical information (from log files) such as: the domain name, IP address and browser type of our web site visitors. With the information gathered, we are better able to create a customized experience for your visit to our web site. The log file information does not contain personally identifiable information, such as name, address, phone, etc.