服務條款
Terms and Conditions

AWM網站（「網站」）由理德財富管理有限公司 AutoMate Wealth Management Limited（「AWM」）持有和提供。

AWM Website (the “Website”) is held and provided by AutoMate Wealth Management Limited ("AWM").

在此所述的條款和條件（「服務條款」）中，任何時候我們使用「AWM」、「我們」、「我們的」時，應指AWM整體，而「您」和「您的」則指任何使用本網站的人。

In the Terms and Conditions stated herein ("Terms and Conditions"), whenever we use "AWM", "us", "we" and "our", it refers to AWM collectively, and "you" and "your" refers to anyone who accesses or uses this website.

適用法律和管轄權
Applicable Laws and Jurisdiction

這些“條款和條件”應根據中華人民共和國香港特別行政區的法律進行解釋和執行。因使用本網站而產生的爭議可提交至香港法院的管轄範圍內。

These ‘Terms and Conditions’ shall be governed and construed in accordance with the laws of Hong Kong SAR of the People's Republic of China (Hong Kong). Disputes arising from the use of this website may be submitted to the jurisdiction of the Hong Kong courts.

一般條款

General Terms

到訪和使用本網站受條款和條件，以及我們的隱私政策的約束。通過使用本網站，您同意遵守這些條款和條件及我們的隱私政策。如果您不遵守以下的條款和條件或我們的隱私政策，您將不被允許訪問和使用本網站，並應立即停止該等訪問和/或使用。

The access to and use of this website is subject to the Terms and Conditions and our Privacy Policy. By using this website, you agree to act according to these Terms and Conditions and our Privacy Policy. If you do not conform to the following Terms and Conditions or our Privacy Policy, you are not allowed to access and use this website, and you should immediately stop such access and/or use.

如果您違反任何條款和條件，您訪問和使用本網站的權利將立即終止。

If you violate any of the Terms and Conditions, your right to access and use this website shall be terminated immediately.

我們保留隨時對條款和條件進行更改的權利，且無需提前通知。經修訂的條款和條件自發布於本網站之日起生效。由於這些條款和條件會不時修訂，您在每次訪問本網站時須檢查條款。您繼續訪問和使用本網站即表示您無條件接受所作的任何修訂，並因此接受最新版本的條款和條件。

We reserve the right to make changes to these Terms and Conditions from time to time without providing any prior notification. The amended Terms and Conditions are effective from the date they are published on this website. As these Terms and Conditions are amended from time to time, you must check them whenever you visit this website. Your continued access and use of this website shall represent your unconditional acceptance of any amendment(s) being made, and thus the latest version of the Terms and Conditions.

關於保險經紀人

Regarding Insurance Brokers

所有保險均通過持牌保險經紀公司安排。理德財富管理有限公司 AutoMate Wealth Management Limited（"AWM"）是香港註冊的保險經紀人。保險服務將由AWM提供（保險經紀公司牌照號碼為FB1326）。

All insurance is arranged through licensed insurers. AutoMate Wealth Management Limited (“AWM”) is a registered insurance broker in Hong Kong. The insurance services would be provided by AWM (The Insurance Broker Company License Number is FB1326).

AWM是一家保險經紀人，其業務是為客戶安排保險產品和服務，並不在與客戶的交易中代表任何特定的保險公司。

AWM is an insurance broker whose businesses are to arrange insurance products and services for their clients, and do not represent any particular insurance company in their dealings with clients.

AWM並不是保險公司，並不承保任何保險風險，也不在與您交易中代表任何保險公司。AWM並不完全或部分由任何保險公司擁有或控制。AWM不是合資企業運營者，也不代表任何保險公司。條款和條件不暗示任何代表、合作或合資運營或其他關係。

AWM is not an insurance company, and does not underwrite any insurance risk, nor does it represent any insurance company in its dealings with you. AWM is not wholly or partially owned or controlled by any insurer. AWM is not joint venture operator or does not represent any insurer. Terms and conditions do not imply any representing, cooperating or joint venture operating or other relationship.

AWM通過保險公司支付的佣金獲得報酬。您同意進行任何保險交易時，即同時表示您同意AWM接收佣金。

AWM is remunerated for its services by the receipt of commission paid by insurers. Your agreement to proceed with any insurance transaction shall constitute your consent to the receipt of commission by AWM.

我們的服務

Our Service

我們提供免費且獨立的線上服務，讓您可以使用AWM的保險服務。我們的線上服務是免費的。

We offer a free and independent online service that allows you to access the insurance service from AWM. Our online service is free.

此外，我們還允許您通過線下方式（例如電話）獲得我們的幫助和協助，提供有關使用本網站的信息，以及來自第三方的保險產品或服務的相關信息。此服務將由AWM的持牌業務代表提供。我們不會對您收取此服務的費用。

Additionally, we allow you to get assistance and help offline (such as over the phone) from us on the information related to this website or third-party insurance products or services. This service will be provided by a licensed insurance representative under AWM, and you will not be charged.

請注意，本網站上的任何內容均不應被視為或依賴於任何財務建議，或對任何指定產品或服務的推薦。本網站上的信息可能幫助您選擇最符合您需求的產品或服務。然而，進行研究、尋求獨立和專業建議以及確保所感興趣的產品或服務的適用性，均為決定者的絕對的責任。最終，購買任何產品或服務的決定，無論其是否在本網站上展示，均完全由讀者/使用者自行決定。

Please kindly always keep in mind that, nothing on this website ought to be considered or relied upon as financial advice, or recommendation of any specified products or services. Information on this website is purposed to help you choose the product or service that best meets your needs. However, it is your sole and absolute decision to purchase any product or service, whether the product or service has been featured on this website or not. This means it is your sole and absolute responsibility to conduct research, seek independent or professional advice, and ensure the suitability of the product or service of those you are interested in.

請注意，本網站上的任何內容均不應被視為或視為我們或任何第三方向您出售任何產品或服務或與您就任何產品或服務簽訂合同的提議。通過提供您的個人信息，您是在向相關第三方根據其條款和條件（如有）提出請求以獲取相關產品或服務的報價。

Please also keep in mind that nothing on this website is, or shall be deemed to represent, a proposal by us or any third party to sell to you any product or service or to enter into any contract with you in respect to any product or service. By giving us your personal details, you are making a proposal to request for a quote of the relevant product or service from the relevant third party based on its terms and conditions if any.

我們致力於為您提供不間斷訪問當前網站的服務。然而，我們無法保證本網站的持續可用性。我們擁有隨時暫停、限制或終止您對網站的訪問的絕對權利。我們保留隨時展示、修訂、刪除、編輯、移除或修改本網站上顯示的任何數據、內容、材料或信息的權利。

We aim to provide uninterrupted access to our current website. However, we cannot assure you of the uninterrupted availability of this website. We have the absolute right to suspend, limit, or terminate your access to the website at any time. Also, we reserve the right to feature, amend, delete, edit, take away, or modify any data, content, material, or information displayed on this website at any time.

保險費退還

Return of Premiums

在絕大多數情況下，一般保險政策是年度合同，一旦您簽訂此類合同，您便需對其承擔責任。這意味著，如果您在任何時候取消合同（冷靜期以外的情況下，若適用），您沒有法律權利要求退還保險費，除非在保單文件中另有說明。一些保險公司會提供按比例退款，如有可能，我們將繼續為您努力爭取退款。

In the vast majority of cases, General Insurance policies are annual contracts, once you have entered into such a contract, you are committed to the contract's terms. This means if you cancel the policy/ policies at any time (other than within the cooling off period, if applicable), you have no legal right to a return of premium, except as mentioned in the policy document. Some insurers give proportionate refunds. However, we will continue to work on your behalf to secure a refund if it is possible.

有關保險產品的信息

Information about Insurance Products

任何針對保險產品簽訂的合同均為您與保險提供者之間的合同。本網站或由AWM安排的所有產品和服務均受您與相關保險提供者之間合同的條款和條件的約束。建議您仔細閱讀這些條款和條件，並確保自己充分理解這些條款和條件（在適當的情況下，尋求專業建議，了解這些條款和條件的含義、運作及實質影響），然後再簽訂此類產品或服務的合同。如果您對這些條款和條件下的義務有任何疑問，或希望尋求我們的服務或協助，您可以聯繫AWM的客戶服務部。

Any contract entered for an insurance product will be between you and the insurance provider. All products and services described on this website or arranged by AWM are subject to the terms and conditions of the contract between you and the applicable insurance provider. You are advised to read these terms and conditions carefully and to fully understand such terms and conditions thoroughly (in appropriate cases, seek professional advice on the meaning, operation, and substantive effect of these terms and conditions) before you enter into a contract for such products or services. If you are in doubt as to your obligations under these Terms and Conditions or if you wish to seek assistance in relation to our service, you are encouraged to contact AWM’s customer service department.

除非您收到AWM或相關保險公司/提供者的保險保障範圍通知，否則不應將您向AWM在網站上或以其他方式提交的數據視為有約束力的、有效的、已申請或已假定的保險保障範圍。

No insurance coverage shall be construed as bound, in force, applied for, or assumed as a result of your submission of data to AWM on the website or otherwise unless and until notification of coverage has been sent to you by AWM or the relevant insurance company/provider.

除非另有規定，本網站中描述的產品和服務不適用於香港特別行政區以外的人士或不具備法律能力簽訂合同的人士，如未成年人，因此，這些人士所謂的合同不會對AWM產生約束力。

Unless otherwise specified, products and services described in this website are not available to persons who are outside Hong Kong SAR or to persons who do not possess the legal capacity to enter into contracts, such as minors, and accordingly, no contract purported to be entered by these persons will bind AWM.

在適當的情況下並經您同意，與保險產品相關的所有文件可以由AWM或保險公司/提供者以電子方式發送給您。如果由於法律限制無法以電子方式交付保險文件，AWM或保險公司/提供者將根據您的要求以實體形式將文件郵寄給您。

Where appropriate and with your consent, all documents related to insurance products may be sent to you electronically by AWM or the insurance company/provider. In the cases where insurance documents cannot be delivered electronically due to legal constraints, physical forms will be posted to you by AWM or by the insurance company/provider upon your request.

本網站上的信息，及所提供產品和服務相關的所有材料，不代表特定及個別條款的完整描述。因此不得視為該產品或服務的具體保障範圍。您有責任尋求獨立和專業的建議，並確保提供給本網站的所有細節和信息準確可靠。對於特定產品或服務，如果該產品或服務的條款和條件與網站上包含的信息相抵觸，則該產品或服務的條款和條件應優先適用。

Information on this website and all materials related to products and services on offer are not representative of, and thus must not be treated as, the complete description of the particular and individual terms and conditions nor the precise cover provided of that product or service. It is your sole responsibility to seek independent and professional advice and to ensure all details and information provided to this website and/or to be found are accurate and reliable. In regards to a specific product or service, the terms and conditions of that product or service shall prevail should contradictions arise with the information contained on the website.

在任何保障得到確認或提供給您之前，您應充分且誠實地告知AWM您所知道的，或合理預期可能與授予您請求的保險有關的所有信息。您有義務（i）披露每一個會影響審慎保險公司在確定保險費或承保風險時判斷的事實；（ii）不虛報重要事實；以及（iii）不提出詐騙性索償。如果某一事實與您所尋求保障的風險性質相關，即使保險公司在申請表或您與保險公司之間的任何其他通信中沒有詢問或提示，該事實也屬於需要向保險公司披露的材料事實。不這樣做可能會導致您無法從所選的保單中獲得任何利益。

Prior to any cover being confirmed or provided to you, you should fully and faithfully inform AWM 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. You are obliged (i) to disclose every fact that would influence the judgment of a prudent insurer in fixing the premium or in determining whether to underwrite the risk; (ii) not to misrepresent material facts and (iii) not to make fraudulent claims. A fact is material and requires disclosure to the insurer (even though the information was not asked or prompted by the insurer in the proposal form or any other communication between you and the insurer, whether through AWM or not). If it is relevant to the nature of the risk sought to be covered. To do otherwise may result in receiving no benefit from your chosen policy.

您同意在本網站上提交您的信息不應以任何方式被視為接受任何報價和/或請求購買任何產品或服務，並且本網站上的任何內容均不應被視為進行任何這些行為的邀請。AWM要求保單不應被解釋為AWM向您提供產品的報價。

You agree that submission of your information on this website shall never in any way be considered as acceptance of any offer and/or your request to purchase any product or service and that nothing on this website shall be treated as an invitation to do any of these actions. AWM request for a policy shall not be construed as an offer by AWM to provide a product to you.

在與保險公司簽訂任何協議或安排之前，您必須閱讀並接受所有適用的條款、條件、排除條款和任何保單的限制。

You must read and accept all applicable terms, conditions, exclusions, and limitations of any policy before entering into any agreement or arrangement with an insurer.

通過在網站上進行汽車保險產品交易的購買，您授權我們使用您的個人數據，通過我們向您的信用卡賬戶收取保險費。保險費將存入AWM的客戶賬戶，本網站對處理的支付負全責。

By proceeding with the purchase of a motor insurance product transaction through the website you authorize us to use your personal data to charge your credit card account through us for the insurance premium. The premium would be deposited to AWM’s client account, this website is fully responsible for the payments being processed.

一旦發出汽車保險覆蓋通知，保險費將不予退還。

Premiums will not be refunded once a motor insurance cover note has been issued.

允許的使用

Permitted Use

您僅被允許出於個人或非商業目的訪問和使用本網站，這意味著本網站僅應由私人個人或法律實體直接訪問和使用，以尋找該個人或實體的產品或服務，並以其自身名義進行。任何超出本段所述的訪問和使用本網站的其他類型均被嚴格禁止。

You are solely permissible to access and use this website for personal or non-commercial functions, which means this website shall only be accessed and used directly by a private individual or by a legal entity to find a product or service for that individual or entity and on their behalf. Any other kind of access to and use of this website beyond those mentioned in this paragraph is strictly prohibited.

您不得以以下方式使用本網站：

You cannot use this website:

以任何非法、欺詐或商業方式進行；
In any unlawful, fraudulent, or commercial manner;

以傷害、虐待、使尷尬、誹謗、侮辱、威脅、恐嚇或騷擾他人或企業的方式，或以我們自行且絕對的判斷認為侵犯他人隱私或不雅、冒犯、仇恨、不當、令人反感、不可接受、歧視或有害的方式進行；
To hurt, abuse, embarrass, defame, libel, threaten, intimidate, or harass another person or business, or in a manner that, in our sole and absolute determination, invades another person's privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory or damaging；
生產、檢查、確認、更新、修改或修訂您自己或他人的數據庫、記錄或目錄；
To produce, check, confirm, update, modify, or amend your own or another person's databases, records, or directories;
以任何類型的商業利益改變或逆向工程本網站的任何部分；及/或
To alter or reverse engineer any part of this website for any kind of commercial gain; and/or
以我們自行且絕對的判斷認為會干擾、破壞或對我們的通信和技術系統施加不合理或過度負擔的方式進行。
In a way that, in our sole and absolute determination, interferes with, disrupts, or imposes an unreasonable or disproportionately large burden on our communications and technical systems.

此外，嚴禁將本網站與任何自動計算機代碼、過程、程序、機器人、網絡爬蟲、蜘蛛、數據處理、拖網或替代的“屏幕抓取”計算機代碼、過程、程序或系統一起使用。

Additionally, using the website in conjunction with any automatic computer code, process, program, robot, net crawler, spider, data processing, trawling or alternative 'screen scraping' computer code, process, program or system is strictly prohibited.

任何以上述方式使用本網站或從事上述活動的人應立即停止使用本網站。

Anyone using the website in any of the above ways or engaging in any of the above activities should stop using the website immediately.

知識產權

Intellectual Property Rights

本網站上顯示和可找到的數據、內容、材料或信息的所有權利，包括但不限於知識產權、所有權和商譽，均屬於我們或我們的授權方。您可以打印、複製、傳輸或存儲本網站上顯示的內容、材料或信息的摘錄，前提是您遵守以下條件：

All rights, including but not limited to intellectual property right(s), ownership and goodwills, of the data, content, material or information displayed and to be found on this website belongs to us or our licensor. You can print, copy, transfer or store extracts of content, material or information displayed on this website for your own personal use if you abide by the following conditions:

未經我們的書面許可，不得用於任何商業或商業功能。該權利不得出售或轉讓給任何第三方；