Terms of Use

1. Introduction

These Terms of Use govern your relationship with Entrust Global Technology Limited (“Entrust,” “we,” “us,” or “our”) when you access or use our website, applications, APIs, email notifications, buttons, widgets, and any associated content (together, the “Services”). By accessing or using the Services, or by providing your consent electronically or paying a premium, you agree to be bound by these terms.

2. Our Role

Entrust acts as a technology and platform provider to licensed insurance brokers, or agencies (collectively, “Insurance Intermediaries”) that you engage to arrange or negotiate insurance on your behalf. We collect and forward your information to those Insurance Intermediaries for them to underwrite and administer your policies in compliance with all applicable laws and regulatory approvals.

3. Acceptance and Confirmation

• Submission of data through our platform does not guarantee acceptance of your insurance request.
• Your chosen Insurance Intermediary will notify you-either electronically or in writing-whether they accept your application and issue a policy.
• Policy wording and precise coverage terms will be provided by the Insurance Intermediary and shall take precedence over any conflicting provisions in these Terms.

4. Duty of Disclosure

Before any coverage can be finalized, you must fully and truthfully disclose all facts that you know-or ought reasonably to know-are material to the insurer’s assessment of your risk.

5. Purchase and Payment

We facilitate free online quotations from our Insurance Intermediaries.

• If you accept a quote and complete all required information, you may apply for the chosen product.
• A binding insurance contract is formed only when (1) your application is approved by the Insurance Intermediary and (2) full payment is received.

6. Termination

If you terminate our Services before policy expiry or renewal, the Insurance Intermediary may retain any commission or fees earned in arranging your coverage.

7. Refund of Premiums

General insurance policies are typically annual and do not carry a statutory cooling-off period. Unless your policy expressly provides for a return of premium, cancellation outside of any applicable cooling-off period does not entitle you to a refund.

8. Referral Disclosure

As you may be referred by our referral partner (the “referrer”) to our website for service arrangement, according to Insurance Authority Code of Conduct, our Insurance Partners / Liaising Licensed Insurance Intermediaries are obliged to inform our client:

1. the licensed intermediaries will be responsible for arranging the insurance policy and, for this purpose, the client should only deal directly with the licensed intermediaries (i.e. the client should not deal with the referrer for arranging the insurance policy);
2. the referrer does not represent the licensed intermediaries and should have no involvement in the arrangement of the insurance policy;
3. the licensed intermediaries disclaims all liability for any advice in relation to the insurance policy given to the client by the referrer; and
4. premium for the insurance policy should be paid directly either to the licensed intermediaries or the insurer concerned.

9. Fees and Remuneration

Entrust receives service and advertising fees from Insurance Intermediaries. Insurance Intermediaries earn commissions or fees from insurers. By proceeding with any transaction, you consent to these remuneration arrangements.

10. Claims

In the event of a claim, you should notify your Insurance Intermediary or insurer as soon as possible-generally within 14 days of the incident-and follow the claim procedures provided. Incomplete forms or missing documentation may delay settlement.

11. Personal Data Collection Statement (“PICS”)

We collect, use, store, disclose, and transfer your personal data in accordance with the Personal Data (Privacy) Ordinance (Cap. 486) of Hong Kong. A separate document detailing our privacy practices will be provided to you. If you object to our use of your data for direct marketing, please inform us in writing, and we will cease such use.

12. Governing Law and Dispute Resolution

These terms and any related disputes shall be interpreted and governed by the laws of the Hong Kong Special Administrative Region. In case of discrepancies between the Chinese and English versions, the English terms shall prevail.

By starting to use Heru, you indicate that you have fully read and agree to all the above terms.

Terms of Service for Heru Chatbot

The following terms outline your rights and obligations when using the AI chatbot "Heru" provided by Entrust Global Technology Limited (hereinafter referred to as "Entrust" or "the Company"). By starting to use this service, you indicate that you have read, understood, and agreed to accept all the contents of these terms.

1. Scope and Definitions

These terms apply to your use of the "Heru" software, algorithms, AI models, and any related updates, upgrades, and ancillary services.

• User refers to any individual or legal entity that accesses and uses Heru through an online interface or API.
• Interactive Content includes but is not limited to text, images, data, and other informational materials that you upload, download, input, or that are generated by Heru.

2. Beta Version Special Statement

1. This beta version is for functional experience, feedback, and market research only and should not be used as a formal basis for insurance decisions.
2. As the product is still being optimized, the following may occur during the testing period:
   • Functional defects or incomplete responses
   • Data errors or temporary interruptions
   • Version adjustments without prior notice
3. Information provided during the testing process is for reference only and does not replace professional advice.
4. Entrust reserves the right to adjust or terminate the beta service at any time without prior notice.

3. User Eligibility and Registration

1. To apply for the use of Heru, you must meet the following conditions:
   • Be located within the Hong Kong Special Administrative Region
   • Be at least eighteen years old, or have obtained parental/guardian consent
   • Agree to comply with these terms and relevant regulations
2. If you choose to use all features, you may need to register an account with accurate and up-to-date information (such as name, email and contact number).
3. You are responsible for safeguarding your account credentials and for all actions taken under that account.

4. User Conduct Guidelines

You agree to use Heru only in a legal, compliant manner and in accordance with the following principles:

• Do not engage in fraud, infringement, malicious attacks, or other illegal activities.
• Do not post hate speech, harassment, discriminatory, or defamatory content.
• Do not spread spam, viruses, or any malicious programs.
• Do not reverse engineer or attempt to interfere with system security.
• Do not treat Heru's responses as final insurance advice; you should seek assistance from licensed professionals.

5. Service Description and Limitations

1. Heru provides you with:
   • General information about insurance products and terms
   • Preliminary comparisons and recommendations for insurance options
   • General guidance based on public product information
2. All responses are for reference only and do not constitute a formal contract or professional assessment. Please read the official documents from the insurance company and consult licensed advisors before making insurance decisions.

6. Intellectual Property

1. All software, models, code, documentation, and databases related to Heru are the exclusive property of Entrust and are protected by the laws of the Hong Kong Special Administrative Region and international regulations.
2. You may not copy, modify, distribute, or derive from them without the Company’s written consent.
3. If third-party rights are involved, you must obtain legal authorization on your own.

7. Privacy and Data Security

1. Entrust will collect, store, and use the personal and interactive data you provide in accordance with its Privacy Policy.
2. You agree to the contents of the Privacy Policy referenced in these terms and allow necessary use and sharing for service provision.
3. The Company has taken reasonable protective measures but is not liable for data breaches caused by force majeure or third-party intrusions.

8. Disclaimer and Limitation of Liability

1. Heru is provided on an "as is" and "as available" basis, without guarantees of completeness or accuracy of responses.
2. To the maximum extent permitted by law, Entrust is not liable for any direct or indirect losses resulting from the use or inability to use Heru.
3. If damages arise from the Company’s gross negligence or willful misconduct, liability will be determined in accordance with the law.

9. Indemnification

You agree to defend and indemnify Entrust and its affiliates against any claims, losses, or expenses arising from your use of Heru or violations of these terms.

10. Governing Law and Dispute Resolution

These terms and any related disputes shall be interpreted and governed by the laws of the Hong Kong Special Administrative Region. In case of discrepancies between the Chinese and English versions, the English terms shall prevail.

By starting to use Heru, you indicate that you have fully read and agree to all the above terms.