閣下使用本網站

如閣下使用本網站（https://gogoxinsurance.com/）（「本網站」），即表示閣下同意無條件地遵守並受以下條款及細則（「本條款」）約束。本條款及GGI私隱聲明（經我們不時全權酌情修訂）（https://gogoxinsurance.com/insurance_privacy/）規管閣下對本網站的所有使用及存取（包括但不限於本網站的所有頁面、資訊、文本、服務及數據）。

如閣下不願意或不同意受本條款及GGI私隱聲明約束，則閣下不應存取或使用本網站。我們可全權酌情不時修訂或以其他方式修改或替換本條款的任何內容，並在本網站發佈通知，該等修訂在發佈後即時生效並對閣下具有約束力。閣下在該等修訂發佈後繼續使用及存取本網站，即視為閣下接受經修訂及更新的條款。

閣下確認並同意，本網站的存取可能會在不向閣下作出警告或通知的情況下暫停，以進行維護、維修或我們酌情認為必要的其他原因。

閣下確認並同意，閣下有責任遵守所有適用於閣下使用及存取本網站的當地法律。閣下亦確認並同意，對於閣下通過本網站上載的任何內容或材料（如適用）的遺失，我們概不承擔責任。

GoGoX Insurtech Limited（「GGI」）作為持牌保險經紀

所有保險均透過持牌保險人安排。GGI為香港專業保險經紀協會的註冊會員（會員編號：M0734），並以保險經紀身份營運，閣下委任GGI代表閣下按照監管批准及適用法律協商保險合約。GGI將全權處理所有與保險合約或保險相關事宜的查詢。GGI並非保險公司，不承保任何保險風險，GGI在與閣下的交易中亦不代表任何保險公司。為免疑義，本網站上的資訊僅供參考，不應視為GoGoX提供的任何建議，因為所有保險相關活動均由GGI單獨進行。閣下有絕對及唯一的責任進行研究、尋求獨立及專業意見，並確保閣下有興趣的產品或服務的適切性。購買任何產品或服務亦完全由閣下自行決定。

如閣下有任何介紹人或顧問曾向閣下提供有關我們服務的資訊，閣下特此同意GGI可就GGI為向閣下提供所需服務而需要的任何資訊，與閣下的介紹人或顧問進行溝通。閣下特此確認，閣下的介紹人或顧問並未向閣下提供任何保險意見或招攬閣下使用GGI的服務，GGI對因閣下的介紹人或顧問的行為及／或建議而產生的或與之相關的任何責任概不負責。閣下同意並確認，任何第三方（包括但不限於介紹人或顧問）均非GGI的代理人，亦不以任何方式代表GGI。

本網站資訊的提供及準確性

我們將盡合理努力確保本網站上的資訊、材料、數據及知識（包括但不限於來自第三方的資訊（如適用））真實、正確及準確，並在獲通知後盡快糾正任何錯誤或遺漏。然而，我們不對本網站所載的任何資訊、材料或知識的準確性、正確性、可靠性、時效性或不侵權性作出保證，並特此免除任何明示或默示的保證，該等資訊、材料或知識均以「現狀」及「可得」的基礎提供。閣下收集的任何資訊或對本網站任何部分的使用，均不構成向閣下的正式保險要約。

GGI的報酬

GGI透過收取保險人支付的佣金作為其服務的報酬。閣下同意透過我們進行保險相關服務或產品，即構成閣下同意GGI收取佣金。

不構成建議

GGI不提供任何形式的建議，無論是個人、財務或醫療方面。本網站上的資訊並非針對閣下的特定財務或保險需要而定，強烈建議閣下在根據本網站上的任何資訊採取行動前，尋求獨立的專業意見。

網站連結

本網站提供的任何第三方連結均指向非GGI控制的來源。該等連結僅為方便閣下而提供，閣下應自行承擔瀏覽該等連結的風險。第三方網站的條款及細則可能與本條款不一致，GGI對因使用任何其他頁面、連結或網站而遭受的任何損失或損害概不承擔任何責任。

所有權及使用限制

閣下僅應使用本網站為自身獲取相關保險報價。閣下不得使用、上載、發佈、公佈、複製或以其他方式轉移本網站的任何組成部分，或就此創作衍生作品。未經GGI同意，本網站的任何部分不得以任何形式公開展示。本網站頁面上的所有知識產權均授權予及由GGI及其關聯公司（如適用）擁有。本網站上的任何內容均不授予任何人使用GGI授權的任何圖像、標誌、名稱或商標的權利，如此做即構成對被授權人權利的侵犯。

彌償

接受本條款即表示閣下同意，閣下將為我們、我們的關聯公司、我們的授權人及我們和他們各自的高級職員、董事、其他用戶、僱員、律師及代理人進行辯護、彌償並使其免受因以下事項而產生的或與之相關的任何及所有索賠、費用、損害、損失、責任及開支（包括律師費及費用）：(a) 閣下違反本條款的任何條文或任何相關法律（無論本文是否提及）；(b) 閣下侵犯任何第三方的任何權利；或 (c) 閣下對本網站的使用或不當使用。

責任限制

在適用法律允許的最大範圍內，我們不對因以下事項而產生的或與之相關的任何形式的損失或損害承擔責任：(a) 閣下對本網站的使用、存取或無法使用或存取本網站；(b) 閣下對本網站上任何資訊、材料或內容的信賴；(c) 通過本網站存取的任何第三方連結、網站或內容；(d) 未經授權的第三方對本網站內容的任何更改；或 (e) 因本條款或與本條款相關而產生的任何事宜，無論索賠是基於合約、侵權（包括疏忽）、嚴格責任或任何其他法律理論。

在不限制上述一般性規定的前提下，因閣下存取及／或使用本網站而遭受或招致的以下責任在法律允許的最大範圍內予以排除：(i) 間接、相應、特殊或附帶損失或損害；及 (ii) 在訂立本條款時不可合理預見的損失或損害。

存取及使用本網站上的任何材料完全由閣下自行承擔風險。我們不保證或擔保本網站將不間斷運作、不含錯誤或不含病毒或其他有害元素，不保證缺陷將被糾正，亦不保證下載的文件不會對財產造成損害、數據遺失、電腦病毒、感染或任何其他形式的惡意軟件。

GGI不保證提供任何特定產品或服務，亦不對產品的撤回或任何保險申請的拒絕承擔任何責任。

適用法律及司法管轄權

本條款受香港法律管轄並據此解釋。如因本條款產生任何爭議或事宜，閣下同意服從香港法院的專屬司法管轄權。

Cookies政策

閣下同意並確認，GGI使用互聯網瀏覽器cookies協助分析本網站的網絡流量及識別正在使用的頁面。此舉旨在改善本網站，且該等cookies不會使我們存取閣下的電腦或任何關於閣下的特定資訊。

保險確認

閣下同意並確認，索取保單的要求不得被視為GGI向閣下提供產品或服務的要約。任何保險保單的確認僅在閣下向GGI傳達購買特定產品的要求，且GGI已接受該要求並已成功收取所有相關全額款項後，方會通知閣下。任何保險保單確認的通知可能以書面或非書面形式發出，具約束力的合約不以閣下收到書面確認為條件。

本網站上有關所提供的任何產品及服務的資訊，並不代表該等產品或服務的特定條款及細則的完整描述。有關閣下擬查詢或購買的特定保單或產品的綜合資訊（包括相關條款及細則）將應要求另行提供。如任何該等特定條款及細則與本條款有抵觸，則以該特定產品或服務的相關條款及細則為準。

為免疑義，任何獲取保險產品的合約將由閣下與相關保險供應商訂立。GGI安排的所有產品均受閣下與適用保險供應商之間的合約條款及細則約束。強烈建議閣下仔細閱讀該等條款及細則，並確保閣下徹底理解該等條款及細則（並在適當情況下，就該等條款及細則的含義、運作及實質效果尋求專業意見），方可就該等產品或服務訂立任何合約。

閣下同意並確認，閣下有完全責任向GGI提供最新的聯絡及付款詳情（如適用），如閣下提供的任何資訊無效、不準確、已停用或已過期，GGI概不承擔任何責任。閣下同意，閣下有完全責任通知GGI閣下資訊的任何變更，以確保閣下能收到GGI的所有通知及公告。GGI對因閣下未能通知GGI相關詳情而產生的損失或損害概不承擔任何責任。在適當情況下，所有相關保險文件將以電子方式發送予閣下。如因法律限制而無法以電子方式送達任何保險文件，實體副本將郵寄予閣下。

購買及付款

在任何保險保單獲確認或提供予閣下之前，閣下須不時向GGI全面及忠實地告知閣下所知悉的、或可合理預期閣下知悉的、在處理過程中或決定是否向閣下批出所申請的保險保單時可能相關的一切事宜。否則可能導致閣下無法從所選保險保單中獲得任何利益。閣下同意並確認，保險合約有別於其他合約，因為保險合約是建基於被保人的最大誠信，如未遵守最大誠信，相關合約可能被相關保險人宣佈無效。閣下同意並確認，遵守最大誠信的義務是持續性的，不會在保險保單正式簽發時終止。閣下特此同意，閣下有義務：(a) 披露每一項會影響審慎保險人在釐定保費或決定是否承保風險時的判斷的事實；(b) 不作出任何失實陳述及不遺漏任何重要事實；及 (c) 不提出欺詐性索賠。為免疑義，如某項事實與擬投保的風險性質相關（即使保險人在投保書或任何其他通訊中並未詢問或提示，無論是直接還是通過GGI），該事實即被視為重要並必須向保險人披露。

閣下可透過本網站索取報價，報價將以電子方式提供予閣下。向閣下提供的任何報價僅在14天內有效，並須符合不時訂明的其他特定要求。如閣下在了解所有相關條款及細則並在必要時取得獨立專業意見後，擬接受所提供的報價，閣下須提供GGI不時指定的所需詳情。其後，閣下的申請將根據閣下提供的資訊獲接受或拒絕，如申請獲接受，GGI將要求提供相關付款證明。所有產品或服務的款項必須全額支付，並須透過GGI不時接受的付款方式支付。為免疑義，相關具約束力的保險保單僅在GGI成功收到全額付款後方會提供予閣下，如閣下因任何機械、軟件、電腦、電訊或電子故障（包括但不限於未能接收電子指令）而無法提供相關付款確認及／或交易記錄，GGI對因此造成的任何損失或損害概不向閣下承擔任何責任。在相關保險保單生效日期之前，任何保險保障均屬無效。此外，閣下必須在有效暫保單的相關生效日期起計14天內提供以下文件及不時要求的任何其他文件，以確保其有效性：

a) 由GGI提供的已簽署保險投保書； 

b) 相關指名駕駛人的身份證明文件及駕駛執照；

c) 以相關投保人名義登記的最新車輛登記文件；及

d) 無索賠折扣證明（如適用）。

一旦有效暫保單已發出予閣下，即使相關保險保障尚未開始，閣下須向GGI支付年度保費的20%或最低金額港幣515元至港幣1,550元（視乎相關保險人的要求而定）（以較高者為準）的最低收費。

退款、更換及取消政策

除GGI另有說明外（有關退款將遵守並受相關保險人退款政策的條款及細則約束），所有保險產品均不可退款、取消或更換。

不棄權

GGI未能或延遲行使本條款下的任何權利或補救措施，不構成對該權利或補救措施的棄權，單次或部分行使任何權利或補救措施亦不妨礙進一步行使該權利或補救措施或行使任何其他權利或補救措施。

其他

如本條款的任何條文被裁定為不合法或無效，該條文應被視為無效，但不影響本條款其餘條文的有效性或可執行性。如閣下對本條款或本網站有任何疑問，請透過以下方式聯絡我們：[email protected]。

（最後更新日期：2026年5月）

私隱聲明 – 個人資料收集聲明

本私隱聲明旨在解釋我們如何收集、持有、處理、使用、保護、儲存、分享及轉移（統稱「處理」）閣下在使用本網站（https://gogoxinsurance.com/）（「本網站」）時向我們提供的數據及／或資訊，包括但不限於閣下的個人數據及資訊（「數據」）。本私隱聲明涵蓋我們持有、營運、提供及／或導致存在的「線上」及「線下」（例如透過電話或親身收集資訊）活動。本私隱聲明特別討論我們在相關法律下就個人數據私隱所承擔的義務。在切實可行的情況下，我們致力於在全球業務中按照相關法律所載的原則及程序營運。如我們的業務受收集相關數據的司法管轄區以外的私隱法例管轄，本私隱聲明在切實可行且與該等法例一致的範圍內適用。

數據的提供屬自願性質。閣下可選擇不向我們提供所要求的數據，但未能提供可能影響我們向閣下提供資訊及服務或回應閣下查詢的能力。GoGoX Insurtech Limited（「GGI」）不會透過本網站收集任何可識別閣下個人身份的資訊，除非及直至閣下使用及瀏覽本網站、購買我們的產品或服務、註冊成為會員、與我們互動、登記接收有關我們產品及服務的消息，或以其他方式與我們溝通（包括要求技術支援時）。

請仔細閱讀本私隱聲明，以了解我們的私隱政策及慣例。本私隱聲明中使用的「我們」一詞指GGI。

GGI對數據收集、處理及保護的立場

在與數據收集及保護相關的所有事宜中，我們致力實施及遵循現代最佳實踐。在可能的情況下，我們已採納確保跨境合規的做法。本私隱聲明所載的資訊符合或超越以下普遍接受的數據原則：

– 個人數據須公平及合法地處理——除非合約要求或為我們的合作夥伴所必需，否則我們不會收集或處理任何數據；

– 個人數據只應為一個或多個指定及合法目的而取得——如上所述及本文件所解釋，GGI僅在需要時才收集及處理數據；

– 個人數據須具相關性——GGI收集的數據僅為所需，不多不少。客戶或其他人提出的任何要求將即時處理，或在下一個工作日內處理；

– 個人數據須準確——GGI收集的所有數據均被視為準確，任何變更將在合理可行的情況下盡快更新；

– 個人數據僅在其服務目的存續期間保留——GGI儲存的所有數據僅在需要或法律要求的期間內保留；

– 個人數據須僅按照當地及國際法律處理——所有數據的收集、處理及儲存均以符合所有相關數據保護法律及法規的方式進行，並確保我們的員工遵守嚴格的保安及保密標準；及

– 須採取適當的技術及保安措施以保護個人數據——GGI採用穩健的資訊科技解決方案及標準操作程序，以確保所有個人數據安全，且僅供需要使用的人員存取。

我們如何收集數據？

作為保險經紀，GGI在合約上有義務收集及保留潛在及現有客戶的若干個人數據。所收集的數據反映保險人為使保險經紀提供報價、處理申請及啟用保障所要求的資訊。

我們通常會在向閣下收集資訊時，標明哪些資訊屬強制性質（即開設帳戶所需的資訊，以及使閣下能夠存取本網站功能並接收保險人或GGI代保險人所創建的申請表格及其他書面文件所需的任何服務及資訊。非必要的數據將不會被要求）。閣下在任何時候均有權要求查閱、更改或刪除我們已收集的數據。閣下亦可選擇不向我們提供所要求的數據，但未能提供可能影響我們與閣下進行業務或回應閣下查詢的能力。透過電話及電郵收集的數據可能會為培訓、品質保證及防止欺詐的目的而被記錄。使用該等通訊方式即表示閣下同意有關記錄。

我們將以下列方式收集及儲存閣下的數據：

– 直接收集——當閣下向我們提供該等資訊時（例如，透過電話、電郵、短訊或親身與我們進行的查詢及溝通）；

– 間接收集——透過閣下使用我們的網站、應用程式或社交媒體平台；或閣下透過任何其他方式向我們提供的資訊。

收集哪些數據？

收集的個人數據可包括以下部分或全部內容：

– 身份資訊——姓名、地址、個人聯絡詳情（包括電郵地址及電話號碼、年齡、性別、國籍、職位及所有擬受保險計劃保障的人士的家庭結構）；

– 病歷——主要保單持有人及所有擬受保險計劃保障的人士的病歷；

– 保險——主要保單持有人的保險購買、保障及索賠記錄；

– 生活方式資訊——所有受保險計劃保障的人士的生活方式資訊；及

– 付款方式——主要保單持有人及其配偶的付款方式相關詳情（包括信用卡及銀行帳戶資訊）。

向企業收集數據

上述清單亦適用於GGI向其銷售保險的企業。對於企業，保險人可能還會要求提供額外數據，包括：

– 上述所有類型的僱員數據；

– 商業登記、稅務登記記錄及所有權資訊；

– 僱員薪酬記錄——僅適用於人壽／傷殘計劃。

向兒童收集數據

GGI向家庭銷售保險保障。這意味著可能需要收集兒童的數據，因為保險人在合約上要求如此。對於所有就18歲以下兒童收集的數據，GGI將聯絡兒童的父母或監護人，首先取得同意並解釋所收集的數據及收集原因。

在我們以未成年人（18歲以下的任何人士）作為主要保單持有人的情況下（例如，一名準備前往海外的學生聯絡我們尋求保險），我們將聯絡該未成年人的父母或監護人，並確保就所要求的數據取得同意。父母或監護人將參與所有溝通及任何決定。

我們為何收集閣下的數據及我們將數據用於何種目的？

收集數據的目的如下：

– 核實閣下的身份；

– 向閣下提供服務、本網站、應用程式或社交媒體平台上的內容的存取；

– 向閣下提供有關GGI保險或財富管理產品的推廣資訊；

– 按特定保險公司的申請要求提供資訊；

– 管理及處理保險保單、保險索賠及醫療及保安核保審查；

– 營運、保護、改善及優化服務的所有功能；改善及自訂本網站的用戶體驗及使用趨勢，並開發新的服務、功能及特色；

– 通知閣下本網站的變更或回應閣下的任何通訊及／或要求；

– 監察本網站的使用情況及調查任何已報告的事件、投訴或潛在的服務違規行為；在適用且符合相關法律的情況下，將數據與為其他目的及從其他來源（包括第三方）收集的其他數據進行配對，以提供服務予閣下；

– 便利我們處理數據，用於與我們提供的服務相關的目的，如營銷服務、特別活動及／或推廣；及

– 在我們懷疑閣下觸犯法例、懷疑存在欺詐行為、相關法律或法庭命令要求時，或應相關公共及執法機關的要求，向相關當局披露及／或協助相關當局，以遵守我們在不時適用的法律及法規下的義務。

除非適用法律及法規允許，如我們擬將閣下的個人數據用於本私隱聲明所述以外的目的，我們將取得閣下的同意。

如相關法律要求，我們將就更改數據處理方式徵求閣下的明確同意，否則在該等變更後繼續使用服務即構成閣下接受當時生效的經修訂聲明。

閣下的數據可能提供予哪些人士？

個人數據將予以保密，但在法律允許或為滿足收集個人數據的目的或直接相關目的所需的情況下，可向以下各方提供該等數據：

– 任何獲授權為GGI的銷售代理的人士，就GGI提供的產品及服務的分銷而言；

– GGI的任何其他關聯公司或人員，在需要知悉的基礎上，就索賠處理、續保、會計、營銷、行政及客戶支援職責而言；

– 任何提供行政管理、數據處理、電訊、電腦、付款、追收債務、技術外判、法律顧問、客戶服務中心服務、郵寄及印刷服務的承包商或第三方服務供應商，就GGI業務的營運及GGI向閣下提供服務而言；

– 任何司法管轄區的任何政府或監管機構，或GGI必須向其披露數據的任何人士。

我們亦保留在我們真誠地認為適當及必要的情況下披露閣下資訊的權利，以 (i) 預防責任、(ii) 保護我們免受欺詐性、濫用性或非法使用或活動的影響、(iii) 調查及為自己辯護任何第三方索賠或指控、(iv) 保護服務及用於提供服務的任何設施或設備的安全或完整性，或 (v) 保護我們的財產或其他合法權利，或他人的權利、財產或安全。

GGI儲存數據多長時間？

GGI在用戶為客戶期間或可合理被視為潛在客戶且未通知我們其選擇退出任何營銷通訊的意願期間儲存數據。此外，透過GGI購買產品或服務的用戶，其數據將在其與我們的業務關係結束後儲存最多七年，因為該等數據可能因稅務、政府及財務合規原因而需要保留。

我對數據有何控制權及如何更改我的同意？

根據適用法律及法規，閣下可能有權：

– 核實GGI是否持有任何關於閣下的個人數據，並查閱任何該等數據；

– 要求GGI更正或刪除任何與閣下有關且不準確的個人數據；

– 撤回閣下對將個人數據用於直接促銷的同意或「選擇退出」；

– 就GGI的數據處理方式提出投訴；及

– 查詢GGI有關個人數據的政策及慣例。

有關查閱、更正、投訴或其他關於閣下個人數據的查詢，請聯絡：

GGI資料保護主任

香港九龍觀塘鴻圖道73-75號KOHO 11樓

[email protected]

根據適用法律及法規，GGI有權收取與處理任何個人數據要求直接相關及必需的費用。

將數據用於直接促銷目的

就直接促銷而言，在法律允許的情況下，我們可使用我們收集的閣下個人數據資訊，用於營銷及推廣其他保險服務及產品，惟須取得閣下的同意。該等數據包括閣下的地址、電話號碼、電郵及姓名，並可能轉移予GGI的關聯公司。

如閣下不希望閣下的個人數據被用於上述自願性質的目的，請透過[email protected]聯絡我們，或致函上述地址。

如閣下未提出「選擇退出」要求，GGI可繼續將個人數據用於自願性質的營銷目的。如閣下擬撤回同意或停止接收資訊或直接促銷，請聯絡[email protected]。

反垃圾郵件政策

GGI對垃圾郵件採取嚴格政策，禁止發送群發電郵或任何形式的未經請求電郵。我們僅向要求接收電郵的人士發送電郵，並遵循公認的許可制電郵指引。如閣下懷疑GGI被他人用於發送垃圾郵件，請將相關活動報告至[email protected]，我們將進行調查。

GGI網站上的Cookies

GGI可能在本網站上使用cookies及其他工具。繼續使用本網站即表示閣下同意我們在閣下的電腦上放置cookies。所收集的資訊（包括但不限於：閣下的IP地址（及域名）、瀏覽器軟件、閣下瀏覽器的類型及配置、語言設定、地理位置、操作系統、引薦網站、瀏覽的頁面及內容，以及瀏覽時間）將用於確保本網站的運作及使閣下能安全登入、編製有關訪客如何到達及瀏覽本網站的綜合統計數據以用於網站增強及優化目的，以及幫助我們了解如何改善閣下在本網站上的體驗。

本私隱聲明的修訂

GGI保留隨時在不另行通知的情況下，透過通知閣下有關變更、更新或修改來增加、變更、更新或修改本私隱聲明的權利。如我們決定更改個人數據政策，該等變更將在本網站上公告，以確保閣下始終了解我們收集哪些資訊、如何使用該等資訊以及在何種情況下披露該等資訊。任何該等變更、更新或修改在發佈後即時生效。在適用法律要求的情況下，我們亦可能在對本私隱聲明作出重大變更時通知閣下，並在法律要求時徵求閣下對該等變更的同意。

Your use of the Website

If you use this website (hhttps://gogoxinsurance.com/) (the “Website”), you agree to comply with and be bound by the following terms and conditions (the “Terms”)  without limitation or reservation. These Terms and the GGI Privacy Statement (as amended from time to time at our sole discretion) (https://gogoxinsurance.com/insurance_privacy/) govern all use of and access to the Website (including but not limited to all its pages, information, text, services and data).

If you do not wish or do not agree to be bound by these Terms and the GGI Privacy Statement, then you should not access or use the Website. We may, at our sole discretion, from time to time amend or otherwise modify or replace any of these Terms, as we deem fit, or change, suspend or discontinue the relevant services by posting a notice on our Website, which shall be immediately effective and binding on you upon such posting. Your continued use and access to the Website after such posting shall be considered as your acceptance to the revised and updated Terms.

You acknowledge and agree that access to the Website may be suspended without warning or notice to you in order to allow for maintenance, repairs or other necessary reasons at our discretion.

You acknowledge and agree that it is your responsibility to comply with all local laws that apply to you in the use and access of this Website. You also acknowledge and agree that we are not liable if any of your content or materials are lost when uploading it (if applicable) through this Website.

GoGoX Insurtech Limited (“GGI”) as registered insurance broker

All insurance is arranged through licensed insurers. GGI is a registered member of the Professional Insurance Brokers Association Limited of Hong Kong (membership No.: M0734), and operates as an insurance broker who you appoint to act on your behalf to negotiate contracts of insurance in line with regulatory approvals and applicable laws. GGI will solely handle all enquiries relating to contracts of insurance or insurance related matters. GGI is not an insurance company, does not underwrite any insurance risk, nor does GGI represent any insurance company(ies) in its dealings with you. For the avoidance of doubt, information on the Website is for reference only and it shall not be treated as any advice given by GoGoX as all insurance related activities are carried out solely by GGI only. It is your sole and absolute responsibility to conduct research, to seek independent and professional advice and to ensure the suitability of the products or services that are of interest to you. It is also your sole and absolute decision to purchase any products or services. 

If you have any introducer or advisor who has provided information to you about our services, you hereby agree that GGI can communicate with your introducer or advisor  in connection with any information GGI requires in order to provide the necessary services to you. You hereby confirm that your introducer or advisor had not given you any insurance advice or solicited you to use GGI’s services and GGI will not in any way be liable for any liability arising out of, or in connection with your introducer’s or advisor’s conduct and/or advice. You agree and acknowledge that any third parties (including but not limited to introducers or advisors) are not agents of GGI and do not represent GGI in any way.

Availability and accuracy of information on the Website

We will take reasonable efforts to ensure that the information, materials, data and knowledge on the Website, including but not limited to that from third parties (if applicable), are true, correct and accurate and to rectify any errors or omissions as soon as practicable upon being notified of them. However, we do not warrant and hereby disclaim any warranty, express or implied, as to the accuracy, correctness, reliability, timeliness or non-infringement of any information, material or knowledge contained on the Website which are provided on an “as is” and “as available” basis. Any information gathered by you or the use of any parts of this Website does not constitute an official offer of insurance to you.

GGI remuneration

GGI is remunerated for its services by the receipt of commission(s) paid by insurers. Your agreement to proceed with insurance-related services or products through us shall constitute your consent to the receipt of commission by GGI.

No advice

GGI does not provide advice of any kind whether personal, financial or medical. The information on this Website is not tailored to your specific financial or insurance needs and you are strongly recommended to seek independent advice concerning the same before acting on any information on this Website.

Website links

Any third-party links provided on this Website are to sources not under the control of GGI. Such links are provided solely for your information and convenience, and you shall visit such links at your own risk. The terms and conditions found on third-party websites may not align with these Terms, and GGI will not accept any liability for any loss or damage suffered through the use of any other pages or links or websites.

Ownership and limitation of use

You should only use this Website to obtain relevant insurance policy quotes for yourself. You may not use, upload, post, publish, reproduce or otherwise transfer any component of this Website or create derivative works with respect thereto. No part of this Website may be displayed in public in any form without the consent of GGI. All intellectual property rights on the pages of this Website are licensed to and owned by GGI and its associated affiliates (as applicable). Nothing on this Website permits any person the right to use any image, logo, name or trademark licensed by GGI, and to do so constitutes an infringement on the rights of the licensee. 

Indemnity
By accepting these Terms, you agree that you shall defend, indemnify and hold us, our affiliates, our licensors, and each of our and their respective officers, directors, other users, employees, attorneys and agents harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys’ fees and costs) arising out of or in connection with: (a) your violation or breach of any term of these Terms or any relevant laws, whether or not referenced herein; (b) your violation of any rights of any third party; or (c) your use or misuse of the Website.

Limitation of Liability

To the fullest extent permitted by applicable law, we shall not be liable and assume no responsibility for any losses or damages of any kind, however caused, arising out of or in connection with: (a) your use of, access to, or inability to use or access the Website; (b) any reliance placed by you on any information, materials or content on the Website; (c) any third-party links, websites or content accessed through the Website; (d) any alteration of Website content by an unauthorised third party; or (e) any matter arising under or in connection with these Terms, whether the claim is based in contract, tort (including negligence), strict liability or any other legal theory.

Without limiting the generality of the foregoing, any and all liability for: (i) indirect, consequential, special or incidental losses or damages; and (ii) losses or damages which were not reasonably foreseeable at the time of entering into these Terms, suffered or incurred by you as a result of your access to and/or use of the Website, is hereby excluded to the fullest extent permitted by law.

Access to and use of any materials on this Website are entirely at your own risk. We do not guarantee or warrant that the Website will be uninterrupted, error-free or free of viruses or other harmful elements, that defects will be corrected, or that downloaded files will not cause damage to property, loss of data, computer viruses, infections or any other forms of malicious software.

GGI does not guarantee the provision of any particular product or service and does not accept any liability for the withdrawal of a product or the rejection of any application for any insurance policy.

Applicable laws and jurisdiction

These Terms shall be governed and construed in accordance with the laws of Hong Kong. In the event of any dispute or matter arising under these Terms, you agree to submit to the exclusive jurisdiction of the courts of Hong Kong.

Cookies policy

You agree and acknowledge that GGI uses internet browser cookies to help analyze web traffic on this Website and to identify which pages are being used. This is done in order to improve the Website and such cookies do not give us access to your computer or any specific information about you. 

Confirmation of insurance

You agree and acknowledge that a request for a policy may not be construed as an offer by GGI to provide a product or service to you. Confirmation of any insurance policy will only be notified to you after you communicate your request to purchase a specific product and GGI has accepted such request and all relevant full payments have been successfully received by GGI for the same. Notification of confirmation of any insurance policy may or may not be issued on paper, and a binding contract is not conditional on you receiving paper confirmation.

Information on this Website pertaining to any products and services on offer are not representative of the complete description of the particular terms and conditions of such product or service. Comprehensive information including the relevant terms and conditions specific to a particular policy or product you wish to enquire or purchase will be provided separately upon request. In the event that any such specific terms and conditions contradict with these Terms, the relevant terms and conditions of the particular product or service shall prevail. 

For the avoidance of doubt, any contract to obtain an insurance product will be entered into between you and the relevant insurance provider. All products arranged by GGI are subject to the terms and conditions of the contract between you and the applicable insurance provider. You are strongly advised to read such terms and conditions carefully and to satisfy yourself that you understand such terms and conditions thoroughly (and in appropriate cases, seek professional advice on the meaning, operation and substantive effect of these terms and conditions) before you enter into any contract for such products or services. 

You agree and acknowledge that you are fully responsible for providing GGI with the most updated contact and payment details (if applicable) and GGI will not be liable in any way if any information you have provided for use is invalid, inaccurate, inactive or has expired. You agree that you are fully responsible to inform GGI of any changes to your information, in order to ensure that you can receive all notifications and notices from GGI. GGI will not accept any liability in relation to your loss or damages arising from your failure to notify GGI of your relevant details. Where appropriate, all relevant insurance-related documents will be sent to you electronically. In cases where any insurance-related documents cannot be delivered electronically due to legal constraints, physical copies will be posted to you.

Purchase and payment

Prior to any insurance policies being confirmed or provided to you, you are required to fully and faithfully inform GGI from time to time of everything you know or could reasonably be expected to know that could be relevant in the process or the decision to grant you the requested insurance policy(ies). To do otherwise may result in receiving no benefit from your chosen insurance policy. You agree and acknowledge that an insurance contract differs from other contracts in that it is based on the utmost good faith of the insured person and if utmost good faith is not observed, the relevant contract may be voided by the relevant insurer. You agree and acknowledge that the obligation to observe utmost good faith is a continuing one that does not cease at the point when the insurance policy is officially issued. You hereby agree that you are obliged (a) to disclose every fact which would influence the judgment of a prudent insurer in fixing the premium or in determining whether to underwrite the risk; (b) not to make any misrepresentations and not to omit any material facts; and (c) not to make fraudulent claims. For the avoidance of doubt, a fact is considered material and must be disclosed to the insurer (even if not asked or prompted by the insurer in the proposal form or any other communication between them or through GGI if it is relevant to the nature of the risk sought to be covered).

You may request for a quote via this Website, which will be provided to you electronically. Any quotes provided to you shall only be valid for 14 days and subject to other specific requirements from time to time. Should you wish to accept the quote provided after understanding all the relevant terms and conditions and obtaining independent professional advice as necessary, you will need to provide required details as specified by GGI from time to time. After then, your request will either be accepted or rejected based on the information provided by you, and the relevant proof of payment would be required by GGI should the application be accepted. All payments for any products or services must be paid in full and be made through the use of payment methods accepted by GGI from time to time. For the avoidance of doubt, the relevant binding insurance policy will only be provided to you upon the successful receipt of full payment by GGI and if you are unable to provide the relevant confirmation of payment and/or transaction as a result of any mechanical, software, computer, telecommunications or electronic failure (including but not limited to the failure to receive an electronic instruction), GGI will not be liable to you in any way for any loss or damage caused. No insurance coverage will be valid before the effective date of the relevant insurance policy. In addition, you must provide the following documents and any other documents as required from time to time, within 14 days from the relevant commencement date of the valid cover note, in order to ensure its validity:

a) a signed insurance proposal form provided by GGI;

b) the identity document(s) and driver license(s) for relevant named drivers; 

c) the updated vehicle registration document in the name of the relevant proposer; and 

d) no claim discount proof (if applicable). 

Once a valid cover note has been issued to you, even if the relevant insurance coverage has not yet commenced, a minimum charge of 20% of the annual premium or a minimum amount ranging from HKD515 to HKD1,550 (depending on the requirement of the relevant insurer), whichever is the higher, will be payable by you to GGI.

Refund, exchange & cancellation policy

All insurance products are not refundable, cancellable or exchangeable unless otherwise stated by GGI (which would adhere and be subject to the terms and conditions outlined in the relevant insurer’s refund policy(ies)).

No Waiver

No failure or delay by GGI in exercising any right or remedy under these Terms shall constitute a waiver of that right or remedy, nor shall any single or partial exercise of any right or remedy preclude any other or further exercise thereof or the exercise of any other right or remedy.

Miscellaneous 

If any provision of these Terms are found to be unlawful or void, such provision shall be deemed invalid without affecting the validity or enforceability of the remaining provisions within these Terms. Should you have queries regarding the Terms or our Website, please contact us at: [email protected].

(Last updated on: May 2026) 

Privacy Statement – Personal Information Collection Statement (PICS)

The purpose of the Privacy Statement is to explain how we collect, hold, process, use, protect, store, share and transfer (collectively referred to as “processing”) the data and/or information you provide to us when you use this website (https://gogoxinsurance.com/) (“Website”), including but not limited to your personal data and information (“Data”). The Privacy Statement covers both “online” and “offline” (e.g. collection of information by telephone or in person) activities that we hold, operate, provide and/or cause to exist. The Privacy Statement specifically discusses our obligations under relevant laws with respect to the privacy of personal data. Where practicable, we are committed to operating in accordance with the principles and procedures stated in relevant laws in our global business. If our business is governed by privacy legislation other than that of the jurisdiction in which the relevant data was collected, the Privacy Statement applies to the extent it is practicable and consistent with that legislation. 

The provision of Data is voluntary. You may choose not to provide us with the requested Data, but failure to do so may inhibit our ability to provide information and services to you or to respond to your enquiries. GoGoX Insurtech Limited (“GGI”) will not collect any information that identifies you personally through this Website unless and until you use and browse the Website, buy our products or services, register as a  member, interact with us, sign-up to receive news about our products and services, or otherwise communicate with us (including where requesting technical support).

Please read the Privacy Statement carefully to understand our privacy policies and practices. The terms ‘we’, ‘our’, and ‘us’ used in this Privacy Statement refer to GGI.

GGI’s stance on data collection, processing, and protection

In all things related to data collection and protection, we strive to implement and follow modern best practices. Where possible we have adopted practices that ensure we are compliant across borders. The information contained within this Privacy Statement meet or exceed the following generally accepted data principles:

– Personal data is processed fairly and legally – We do not collect or process any Data unless it is contractually required or it is necessary for our partners;

– Personal data shall be obtained only for one or more specified and lawful purposes – As noted above and explained through the document, GGI only collects and processes Data when we need to;  

– Personal data shall be relevant – Data collected by GGI is only what is needed, and nothing more. Any requests made by clients or otherwise are followed through immediately, or within the next business day;  

– Personal data shall be accurate – All Data collected by GGI is deemed to be accurate and any changes are updated as soon as reasonably possible;

– Personal data shall be kept only for as long as it serves a purpose – All Data stored by GGI is kept only as long as needed or legally required;

– Personal data shall be processed only in accordance with local and international law – All Data collection, processing, and storage is done in a way that is compliant with all relevant data protection laws and regulations, and ensures compliance by our staff with strict standards of security and confidentiality; and

– Appropriate technical and security measures must be taken to secure personal data – GGI employs robust IT solutions and standard operating procedures that ensure all personal data is secure and only available to those who use it.

How do we collect data?

As an insurance broker, GGI is contractually obligated to collect and retain certain personal data of both potential and existing clients. The Data collected reflects what is required by insurers in order for the insurance broker to offer quotes, fulfill applications, and enable coverage.

We will usually identify any information which is mandatory (i.e. information required for creating an account, and enable you to access the features of the Website and receive any services and information required for application forms from the insurer, or ones created by GGI on behalf of an insurer, and other written documents. Data that is not necessary will not be requested.) when we collect the information from you. At any time, you will maintain the right to request to view, change or delete the Data we have collected. You may also choose not to provide us with the requested Data, but failure to do so may inhibit our ability to do business with you or to respond to your enquiries. Data collected via telephone and emails may be recorded for training purposes, quality assurance and fraud prevention. By committing to these communication methods you consent to the recordings.

We will collect and store your Data either:

– Directly when you provide such information to us (for example, through your enquiries and communications via telephone, email, text messaging or in person with us);

– Indirectly through your use of our websites, apps, or social media platforms; or where you have provided it to us through any other means.

What data is being collected?

The personal data collected can include some or all of the following:

– Identity information – Name, address, personal contact details (including email address and telephone numbers, age, gender, nationality, job title and family structure of all persons to be covered by an insurance plan); 

– Medical history – medical history of the primary policyholder and all persons to be covered by the plan;

– Insurance – insurance purchases, coverage and claims history of the primary policyholder;

– Lifestyle information – of all persons covered by the plan; and

– Method of payment – details related to method of payment (including credit card and bank account information) of the primary policyholder as well as any spouses.

Collection of Data from businesses

The above list also applies to businesses that GGI sells to. For businesses, additional Data may also be requested by the insurer. This could include:

– Employee data of all types listed above;

– Business registration, tax registration records, and ownership information;

– Employee salary record – for life/disability plans only.

Collection of Data from children

GGI sells insurance coverage to families. This means that a child’s data may need to be collected, as is contractually required by an insurer. With all Data collected for children under 18, GGI will contact the parents or guardian of the children to first gain consent and to explain what Data is being collected and why.

In situations where we are dealing with a minor (any person under the age of 18) as the primary policy holder (e.g., a student going overseas contacts us looking for insurance) we will contact the parent or guardian of the minor and ensure that consent for requested Data is provided. Parents or guardians will be involved in ALL communications and any decisions made.

Why we collect your Data and what do we use the Data for?

Data is collected for the following purposes:

– To verify your identity;

– To provide you with the services, access to the content on the Website, apps or social media platforms;

– To provide you with promotional information related to insurance or wealth management products of GGI;

– To provide information as required by a particular insurance company’s application requirements; 

– To administer and process insurance policies, insurance claims and medical and security underwriting checks;

– To operate, protect, improve and optimize all the features of the services; to improve and customize the user experiences and usage trends of the Website, and to develop new services, features and functionalities;

– To notify you about changes to the Website or respond to any communication and/or request from you;

– To monitor the use of the Website and to investigate any reported incidents, complaints or potential breaches of the services; Where applicable and subject to compliance with  the relevant laws, to match the Data with other Data collected for other purposes and from other sources including third parties in relation to the provision of services to you;

– To facilitate our processing of the Data for purposes relating to the provision of services offered by us such as marketing services, special events and/or promotions; and

– To disclose to and/or assist relevant authorities where we suspect you have committed an offense, where we suspect existence of fraud or when required by the relevant laws or court orders, or as requested by relevant public and law enforcement authorities and to comply with our obligations under the applicable laws and regulations from time to time.

Unless permitted by applicable laws and regulations, we will obtain consent from you if we wish to use your personal data for purposes other than those stated in this Privacy Statement.

We will seek your express consent to change how we process the Data if required by the relevant laws, but otherwise use of the services following such change constitutes your acceptance of the revised statement then in effect.

Who may be provided with your Data?

Personal data will be kept confidential but may, where permitted by law or where such disclosure is necessary to satisfy the purpose or a directly related purpose for which the personal data was collected, provide such Data to the following parties:

– Any person authorized to act as sales agent for GGI in relation to the distribution of products and services offered by GGI; 

– Any other affiliates or personnel of GGI, on a need-to-know basis, in relation to the handling of claims, renewals, accounting, marketing, administrative and client support duties;

– Any contractor or third-party service provider who provides administration, data processing, telecommunications, computer, payment, debt collection, technology outsourcing, legal advisors, call center services, mailing and printing services in connection with the operation of GGI’s business and GGI’s provision of services to you;

– Any government or regulatory bodies in any jurisdiction or any person to whom GGI must disclose Data.

We also reserve the right to disclose  your information that we believe, in good faith, is appropriate and necessary to (i) take precautions against liability, (ii) protect ourselves from fraudulent, abusive, or unlawful uses or activity, (iii) investigate and defend ourselves against any third party claims or allegations, (iv) protect the security or integrity of of the service and any facilities or equipment used to make the service available, or (v) protect our property or other legal rights, or the rights, property or safety of others.

How long does GGI store data?

GGI stores data for as long as a user is a client or can reasonably be considered a potential customer without having notified us of their intention to opt out of any marketing communications. Beyond this, users that purchase products or services through GGI will have their Data stored for up to seven years following the end of their business with us, as such Data may be needed for reasons related to taxation, governmental, and financial compliance.

What control do I have over data and how do I change my consent?

Under applicable laws and regulations, you may have the right to:

– Verify whether GGI holds any personal data about you and to access any such Data;

– Require GGI to correct or delete any personal data relating to you which is inaccurate;

– Withdraw your consent or ‘opt out’ for use of personal data for direct marketing;

– Make a complaint about GGI’s data handling; and

– Enquire about GGI’s policies and practices in relation to personal data.

Requests for access, correction, complaints or other queries relating to your personal data should be addressed to:

GGI Data Protection Officer
11/F, KOHO, 73-75 Hung To Road, Kwun Tong, Hong Kong
[email protected]

Under applicable laws and regulations, GGI has the right to charge costs which are directly related to and necessary for the processing of any personal data request.

Use of Data for direct marketing purposes

 For the purposes of direct marketing, we may, where permitted by law, use your personal data information collected by us in marketing and promotion of other insurance services and products, subject to your consent. This Data includes your address, phone number, email and name, and may be transferred to companies affiliated to GGI. . 

If you would prefer your personal data not be used for the voluntary purposes listed above, please contact us at [email protected] or write to us at the address set out above.

Without an “opt-out” request from you, GGI may continue to use personal data for voluntary marketing purposes. If you wish to withdraw your consent or to stop receiving information or direct marketing, please contact [email protected]

Anti-Spam Policy

GGI has a strict policy against spamming and forbids the sending of mass emails or unsolicited emails of any kind. We only send emails to those who have requested to receive it to follow accepted permission-based email guidelines. If you suspect that GGI has been used by someone to send spam, report the activity to [email protected] and the issue will be investigated.

GGI Cookies on the GGI website

GGI may use cookies and other tools on the Website. By continuing to use the Website, you are agreeing to us placing cookies on your computer. The information collected (including but not limited to: your IP addresses (and domain names), browser software, types and configurations of your browser, language settings, geo-locations, operating systems, referring website, pages and content viewed, and durations of visit) will be used to ensure operation of the Website and enable you to log in securely, for compiling aggregate statistics on how our visitors reach and browse our Websites for web enhancement and optimisation purposes, and to help us understand how we can improve your experience on it.

Amendments to this Privacy Statement

GGI reserves the right, at any time and without notice, to add to, change, update or modify this Privacy Statement, simply by notifying you of such change, update or modification. If we decide to change our personal data policy, those changes will be notified on our website so that you are always aware of what information we collect, how we use the information and under what circumstances the information is disclosed. Any such change, update or modification will be effective immediately upon posting. Where required by applicable law, we may also notify you in the event of material changes to this Privacy Statement and, where required, seek your consent to those changes.