Service Terms And Conditon
General
The following terms govern your use of our application(s) and service(s) (the “Platform”) supplied by TC Lawson Marketing Limited trading as AI Marketings (‘we’, ‘us’ or ‘our’, as the context may so require), a private limited company incorporated in the Hong Kong Special Administrative Region. These terms constitute a binding agreement between you (as user) and TC Lawson Marketing Limited trading as AI Marketings. By accessing and using this Platform, you are contracting with TC Lawson Marketing Limited trading as AI Marketings, and confirm that you accept these terms and that you agree to comply with them. Please read them carefully. These terms also refer to the following additional terms, each of which are incorporated by reference and apply to your use of the Platform:
our Privacy Policy;
our Disclaimer; and
any other rules, terms and policies we may display in this Platform from time to time. (all together, the ‘terms’)
In particular, you agree that:- BY USING THIS PLATFORM, YOU REPRESENT THAT YOU HAVE READ, UNDERSTOOD AND AGREED TO ALL OF THESE TERMS, AND EXPRESSLY AGREE TO, AND CONSENT TO BE BOUND BY, ALL OF THESE TERMS. THESE TERMS SHALL HAVE THE SAME LEGAL EFFECT AND FORCE AS A WRITTEN AND SIGNED CONTRACT. IF YOU DO NOT AGREE TO ANY OF THE TERMS, YOU MUST CEASE USING THIS PLATFORM OR OUR SERVICES. ANY VIOLATION OF THESE TERMS CAN RESULT IN REMEDIAL ACTIONS BY US INCLUDING, BUT NOT LIMITED TO, TERMINATION OF YOUR ACCESS AND RIGHT TO USE THIS PLATFORM AND/OR OUR SERVICES. We reserve the right to update and amend these terms from time to time at our discretion. Every time you wish to use this Platform, please check these terms to ensure you understand the terms that apply at that time. We will inform you of any material changes to these terms by posting the relevant changes on the Platform or by sending you an email notifying you the material change at our discretion. By continuing to access or use this Platform, you agree that the amended terms will apply to you. If you do not agree to such amended terms, you must stop accessing and using this Platform and any information, links or content contained therein. These terms are prepared in English and may be translated in different languages. If there is any conflict between the English and the translated versions of these terms, the English version prevails.
Who we are; Our Services
The purpose of this Platform is to provide you with:
access of historical and current insurance related product information and data extracted from various public sources in the Hong Kong Special Administrative Region; and
a flexible and user-friendly interface for the comparison of insurance related product data (subject to various assumptions and calculations – please refer to our Disclaimer for further details). (together, our “Services”)
Account Creation; Information required
To become a user of our Services, you will be required to create and register an account with us. You will be asked to provide your personal information or additional information about yourself and/or the entity you represent (as applicable) at our discretion. For instance, the registration information we require may include identification details including the country of origin / jurisdiction domiciliation; address details; description of business; bank account details; and other personal information such as your ID / passport details. The requested information are used to verify your identity, the validity and/or legality of your transactions and/or whether you qualify to use the Services. You agree to: (i) provide all relevant information in a timely, accurate and complete manner; (ii) ensure that all information supplied remain accurate and complete at all material times, especially during times when we conduct our Services to you; and (iii) promptly inform us in writing (within three (3) working days) if any supplied information are updated. We reserve the discretionary right at any given time to refuse to provide any of our Services; suspend your account with us; suspend your use or access of the Platform; or to withhold any amounts due to you (as applicable) if we reasonably believe that the information supplied is inaccurate or if you have failed to provide all required or requested information.
You must keep your account details safe
Upon successful subscription, you will be provided with a user identification code / username login and password for accessing our Services. It is your responsibility to keep and treat the above login details as confidential, and make all arrangements to ensure the security and safe keeping of such information. We have the right to disable your access to this Platform or our Services at any time, if in our reasonable opinion, you have failed to comply with any of the provisions of these terms. If you know or suspect that anyone other than you know of (or is aware of) your login details, you must promptly notify us by email (please refer to the section headed “Contact Us” below for further details).
Accessibility
This Platform and Services are offered on an ‘as is’ and ‘as available’ basis. We may update, suspend, withdraw or restrict the availability of all or any part of our Services or the information or data contained in the Platform to reflect changes to our products, users’ needs and business priorities (including operational needs). While we will make efforts to maintain good operation of our Services, you acknowledge that we have no control over your ability to access the Platform at any particular time intervals and we are not responsible for any limitation of Services due to technical difficulties beyond our control. In such circumstances, we will try to provide you with reasonable notice of any suspension or withdrawal of use of our Services. You are also responsible for ensuring that all persons who access this Platform are aware of these terms of use and other applicable terms and conditions, and that they comply with them.
Our Service charges
You acknowledge and agree that our provision of Services to you will incur service charges, and you are obligated to pay for our service charges. Our service charges are non-refundable. Any payments to us may be made via STRIPE or such other payment processing gateways as may be made available by us from time to time. As such, you shall be subject to and/or restricted by the terms of use governing the usage of STRIPE or such other payment gateways. All monies payable for our Services and goods shall be denominated and payable in Hong Kong Dollars (HK$), or otherwise in other foreign currency as may be accepted by us in writing. Take note that our charges are subject to revision and may change periodically. In the case that revisions of our service charges have been made, we will provide email notification to you based on the address you provided to us under our record. You undertake to inform us immediately on any updates to your address as necessary to maintain its accuracy. Without prejudice to the foregoing, you acknowledge and understand that the foregoing payment methods or gateways may involve third-party applications, and that we have no responsibility or control over the security or effectiveness of the payment method that you choose. These third-party applications may experience errors and interruptions and may not be totally secure. You acknowledge and understand that these applications or software may be a subject of hacking or cyber fraud, and hence you will use these applications or software entirely at your own risk. We do not supply, provide or endorse any third-party applications or software.
How you may use material on the Platform
All or portions of this Platform are proprietary to us. We and our licensors (as applicable) retain all right, title, benefits and interest in and to this Platform and its products and services, including without limitation to, all copyrights, trademark (as applicable), patents, trade secrets, trade names, logos, slogans, custom graphics, button icons, scripts, videos, text, images, software, code, files, content, information and other material available on this Platform. We reserve all rights not expressly granted. You agree to use this Platform for your own personal use only and agree not to copy, duplicate, transmit, distribute (and re-distribute), publish, modify, exploit any proportion of the Platform or prepare similar or derivative works for any commercial purposes without our written informed consent. Unless permitted by operation of law or by our expressed written consent otherwise, nothing in these terms grants you any right to use any of our intellectual property, including without limitation to any copyrights and/or trademarks (as applicable) other than the sole exception of on-screen viewing. Our status (and that of any identified contributors, as the case may be) as authors of content on this Platform must always be acknowledged.
Acceptable Use
You must only use the content or Services provided through this Platform for the stated purpose. You must not use this Platform to:-
publish, post, send, upload, submit, display or disseminate any information or material and/or otherwise make available or engage in any conduct that is unlawful, discriminatory, harassing, libellous, defamatory, abusive, threatening, harmful, offensive, obscene, tortious or otherwise objectionable;
display, upload or transmit material that encourages conduct that may constitute a criminal offence, result in civil liability or otherwise violate or breach any applicable laws, regulations or code of practice;
interfere or violate the legal rights (such as rights of privacy and publicity) of others or violate others use or enjoyment of this Platform;
violate any applicable laws or regulations;
use this Platform or links on this Platform in any manner that could interfere with, disrupt, negatively affect or inhibit other users from using this Platform or links on this Platform or that could damage, disable, overburden or impair the functioning of this Platform or our servers or any networks connected to any of our servers in any manner;
create a false identity for the purpose of misleading others or fraudulently or otherwise misrepresent yourself to be another person or a representative of another entity including, but not limited to, an authorized user of this Platform or our representative, or fraudulently or otherwise misrepresent that you have an affiliation with a person, entity or group;
mislead or deceive us, our representatives and any third parties who may rely on the information provided by you, by providing inaccurate or false information, which includes omissions of information;
disguise the origin of any material transmitted through the services provided by this Platform (whether by forging message/packet headers or otherwise manipulating normal identification information);
violate, infringe or misappropriate any intellectual or industrial property right of any person (such as copyright, trademarks, patents, or trade secrets, or other proprietary rights of any party) or commit a tort;
upload files that contain viruses, Trojan horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of another’s computer or property;
send, upload, display or disseminate or otherwise make available material containing or associated with spam, junk mail, advertising for pyramid schemes, chain letters, virus warnings (without first confirming the authenticity of the warning), or any other form of unauthorised advertising or promotional material;
access any content, area or functionality of this Platform that you are prohibited or restricted from accessing or attempt to bypass or circumvent measures employed to prevent or limit your access to any content, area or functionality of this Platform;
obtain unauthorised access to or interfere with the performance of the servers which host this Platform or provide the services on this Platform or any servers on any associated networks or otherwise fail to comply with any policies or procedures relating to the use of those servers;
attempt to gain unauthorized access to any services or products, other accounts, computer systems, or networks connected to any of our servers through hacking, password mining or any other means;
obtain or attempt to obtain any materials or information through any means not intentionally made available through this Platform or its services;
harvest or otherwise collect, whether aggregated or otherwise, data about others including email addresses and/or distribute or sell such data in any manner;
use any part of this Platform other than for its intended purpose; or
use this Platform to engage in or promote any activity that violates these terms (including such other terms and conditions applicable to this Platform).
Representations and Warranties
You represent and warrant that:-
you are above eighteen (18) years of age (individual only);
you have the right, power, and authority to enter into and be bound by these terms and any other terms and conditions applicable to the use and access of this Platform and our Services;
you will not use our Services and/or this Platform for any unacceptable uses, as particularly listed in the section headed “Acceptable Use”;
you will not use our Service or this Platform to violate any laws and regulations, irrespective of in Hong Kong or elsewhere;
you will only use our Services or this Platform to transmit and disseminate information for a lawful and proper purpose; and
all monies transferred to us are not sourced, derived from or related to any unlawful activities, including but not limited to money laundering or terrorist financing activities and that you have complied with all anti-money laundering and anti-terrorism financing requirements in all applicable jurisdictions;
you hold all required licenses, registrations and permissions to carry out all of your business(es);
all information supplied to us by you including without limitation to your personal identification details, license details and/or bank account details are complete, accurate, up to date, and truthful in all material respects and you will notify us immediately of any matter or event coming to your attention which shows any representations and warranties made herein to be or to have been untrue or inaccurate;
we have provided to your satisfaction all information as reasonably requested by you with respect to our Services;
you have sufficient knowledge, experience and understanding of the functionality and usage of data driven software systems and the characteristics of insurance related products, and that you are capable of evaluating the merits and risks associated with the data and information presented in this Platform and/or using our Services; and
you have had the opportunity to consult with a lawyer represented by professional advisors of your choosing, that you are fully aware of the terms and conditions set out herein and their corresponding legal effect, and that you enter into these terms voluntarily, free of duress or coercion, based on your individual judgment and not in reliance upon any representation or promise made by us.
No Reliance on Information
The content on this Platform is provided for illustration and general information purpose only. It is not intended to amount to investment or security related advice on which you should rely on. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content or data presented on this Platform. Although we make reasonable efforts to update the information on this Platform, we make no representations, warranties or guarantees, whether express or implied, that the content on this Platform is accurate, complete or up to date.
We are not responsible for third party links
This Platform may display third-party content, advertisements, promotions, logos, other materials and links to other websites (collectively, the “Third-Party Contents”). These Third-Party Contents are not intended to imply sponsorship, affiliation, or endorsement, and should not be interpreted as approval by us of those linked websites or information. Any views expressed in the Third-Party Contents do not represent our views or values. We make no representations or warranties of any kind regarding such Third-Party Contents, including without limitation to, its accuracy, validity, legality, copyright compliance, suitability or decency of such content. Your use of or interactions with any Third-Party Contents, and any third party that provides such Third-Party Contents, are solely between you and such third parties and we are not responsible or liable, either directly or indirectly, in any manner for such use or interactions. You should not fully assume that we have reviewed or approved of such sites or their content, nor do we warrant that the links to these sites will work or are up to date. You should exercise independent judgment and caution when accessing these Third-Party Contents.
Our responsibility for loss or damage suffered by you
We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation. Without prejudice to any of the foregoing, we have no liability to you for any (i) loss of profits or earnings; (ii) business interruptions; (iii) loss of business opportunity or clients; (iv) damage to your reputation or interruptions of your activity(ies); (v) indirect loss or damages incurred by you; (vi) impediment or delay in the performance of your obligation caused by any act or omission on the part of you (or of any person acting for and on the your behalf) or (vii) loss or damages suffered by you arising from force majeure.
Disclaimer
THIS PLATFORM, TOGETHER WITH ALL DATA AND INFORMATION CONTAINED THEREIN, AND OUR SERVICES PROVIDED IN AND THROUGH THIS PLATFORM ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. USE OF THIS PLATFORM IS AT YOUR OWN RISK. WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO: (i) ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; (ii) THAT THIS PLATFORM, OR THE SERVICE PROVIDED BY US, WILL MEET YOUR REQUIREMENTS; (iii) THAT THIS PLATFORM WILL BE SECURE, UNINTERRUPTED, ACCESSIBLE, OR ERROR-FREE; (iv) THAT ANY INFORMATION OR MATERIAL OBTAINED FROM THIS PLATFORM WILL BE ACCURATE, RELIABLE, COMPLETE, OR FREE FROM VIRUSES OR OTHER FORMS OF MALICIOUS OR DESTRUCTIVE CODE; (v) ANY WARRANTIES THAT THIS PLATFORM WILL BE COMPATIBLE WITH YOUR COMPUTER OR OTHER ELECTRONIC EQUIPMENT; (vi) ANY WARRANTIES OF NON-INFRINGEMENT. THE MATERIALS AND RELATED GRAPHICS PUBLISHED IN THIS PLATFORM COULD INCLUDE TECHNICAL INACCURACIES OR TYPO-GRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION AND DATA CONTAINED ON THIS PLATFORM. WE MAY MAKE IMPROVEMENTS AND/OR CHANGES TO THIS PLATFORM AND/OR OUR SERVICES AT ANY TIME. NO ADVICE OR INFORMATION OBTAINED BY YOU FROM US, WHETHER IN ORAL, WRITTEN, OR ELECTRONIC FORM, RELATING TO YOUR USE OF THIS PLATFORM OR SERVICES SHALL CREATE ANY WARRANTY UNLESS EXPRESSLY STATED OTHERWISE.
Indemnification
To the fullest extent permitted by applicable law, you will indemnify, defend and hold harmless us and our respective employees, officers, directors, contractors, consultants, shareholders, suppliers, vendors, service providers, parent company (as applicable), subsidiaries (as applicable), affiliates(s)(as applicable), agents, and representatives from and against all claims, damages, liabilities, losses, costs and expenses (including legal fees) that arise from, relate to or arising out of: (i) your violation or breach of these terms (including such other terms and conditions applicable to this Platform); (ii) your use or misuse of this Platform or services made available through the Platform, including any content or data, or material transmitted from you; (iii) any unacceptable or objectionable use of this Platform as determined at our sole discretion; (iv) any negligent or willful misconduct by you; (v) your violation of any law (whether or not referenced herein) or the rights of any third party; (vi) any allegation that the content you provide or data or information you input into this Platform infringes, misappropriates, or violates the intellectual property rights of a third party. The above stated indemnification shall not apply to any gross negligence or willful misconduct conducted on the part of us. We reserve the right to exercise sole control over the defense, at your expense, of any claim(s) subject to indemnification pursuant to these terms. You agree to cooperate with our defense of such claims and agree not to settle any such claim without our prior written consent.
Termination
Without prejudice to any of the foregoing, our Services to you shall terminate in the occurrence of one of the below events, whichever is earlier:-
by either party giving no less than fourteen (14) days written notice, upon which we may present you with an invoice containing all outstanding Service charges payable incurred up to the date of termination;
by us immediately by written notice if you have failed to pay our Service charges or otherwise in breach of any of the terms;
by us immediately by written notice if we, in our absolute discretion, determines that continuation of our Services violate, or may violate any existing or future laws or regulations we are subject to; or
by us immediately without notice if we become aware, have discovered, or reasonably suspect that (i) you have falsified, misrepresented or submitted fraudulent documents, materials, or information; (ii) you are a subject of or may be incurring any actions, claims, lawsuits, litigations, investigations, prosecutions, demands, judgments, or other legal proceedings concerning illegal activities.
Upon termination, all of your rights and our obligations associated with these terms shall cease absolutely and you acknowledge and agree that we shall be released and forever discharged from all and/or any actions, claims, rights, demands and set-offs, whether in this jurisdiction or any other, whether or not presently known to you or not, and whether in law or equity, that you ever had, may have or hereafter can, shall or may have against us, our respective employees, advisors, officers, directors, contractors, consultants, shareholders, suppliers, vendors, service providers, parent company (as applicable), subsidiaries (as applicable), affiliate(s)(as applicable), agents, and representatives arising out of or in connection with these terms, our Services and any other matter arising out of or connected thereto. For the avoidance of doubt, any notices or other communications given under these terms (by either you or us) must be made in writing, and shall deem to be delivered when sent via e-mail to the last known e-mail address under record.
Confidentiality
For the purpose of this provision, the term ‘Confidential Information’ shall include all information or data supplied by either party to the other, except those information or data that (i) was already known, in the possession of and documented by the recipient through no wrongful act of the recipient; (ii) is or becomes part of the public domain through no wrongful act of the recipient no breach of any obligation to the discloser; (iii) is rightfully received by the recipient from a third party who is, as per the recipient’s reasonable acknowledgement, not subject to restrictions on the use or disclosure of such information; (iv) is required to be disclosed in a judicial or administrative proceeding, or otherwise requested or required to be disclosed by operation of law or regulations; or (v) is approved for release by written authorisation from the discloser. Each party agrees that it (i) will not use in any way (for its own account or the account of any third party), nor disclose to any third party (except as required by law or to that party’s advisors as reasonably necessary on a need-to-know basis), any of the other party’s Confidential Information unless expressly permitted by, or required by it to perform its obligations under these terms otherwise; and (ii) will take reasonable precautions to protect the confidentiality of such information, the standard of precaution of which shall be at least as stringent as those it takes to protect its own Confidential Information. In addition, each party may reveal the other party’s Confidential Information to its agents, representatives and employees on a ‘need-to-know’ basis, whom are informed of the confidential nature of such Confidential Information, and who shall agree to act in accordance with the terms and conditions of this provision. Each party agrees that the obligations under this provision survives termination of these terms and shall continue in effect for a period of one (1) year post termination. However if there is any subsequent binding agreement entered between the parties hereto in relation to the Services which include obligations relating to the protection of Confidential Information, then that subsequent binding agreement (together with all of its terms) will then supersede and replace the confidentiality provisions contained in these terms.
We may transfer this agreement to someone else
We may transfer (or assign) our rights and obligations under these terms to another entity or organization. We will inform you in writing in such cases and we will ensure that the transfer will not affect your rights under contract.
Compliance with local laws
This Platform is supplied by us in the Hong Kong Special Administrative Region. We make no representation that the contents, Services or materials available on the Platform are appropriate or available for use at other locations situated outside of Hong Kong. If you access this Platform from a location outside of Hong Kong, you are responsible for compliance with all local laws and regulations. We recommend you are to seek independent professional advice if in doubt.
Prevalence; Integration
These terms (for the avoidance of doubt, include such other terms and conditions incorporated by reference hereto) constitute the entire agreement and understanding between us with respect to the access and use of our Services and/or this Platform. They supersede any and all prior or contemporaneous communications, representations, statements, agreements, and understandings, whether in oral, written, or electronic form, between you and us concerning the use and access of our Services and/or this Platform. These terms, together with other applicable terms and conditions in this Platform, shall be construed as consistent with each other whenever possible, but if such construction or consistency is unreasonable due to conflicting terms, these Terms of Use prevails.
Further Assurance
You agree to execute and deliver any additional documents, information and/or perform any actions in a reasonable period of time that are necessary to perform and effectuate the provisions of these terms.
Relationship
These terms govern the relationship between us and you (either one of us, a ‘party’). Neither party by virtue of these terms shall have any right, power, or authority to act or create any obligation on behalf of the other unless expressly provided for in writing otherwise.
Notices and updates
All notices relating to this Platform sent by us to you shall be made in writing, and shall deemed to be delivered when sent via e-mail to your last known e-mail address under record.
Force Majeure
Neither party shall be in breach of these terms nor liable for delay in performing, or failure to perform, any of its obligations under these terms if such delay or failure result from events, circumstances or causes beyond its reasonable control such as any judicial or governmental action (including a change of laws), flood, riot, fire, acts of God, or any other causes beyond the reasonable control of the party.
No waiver
If you do not comply with these terms, and we do not take action right away, this does not mean that we are waiving any rights that we may have (such as taking action in the future). No failure or delay by us to exercise any right or remedy shall constitute a waiver of that or any other right or remedy, nor shall it prevent or restrict the further exercise of that or any other right or remedy.
No Assignment
No rights, obligations, or duties under the terms shall be transferred, assigned or delegated by you without our written consent.
Severability
If any of these terms are or become invalid, illegal or unenforceable, they shall be deemed modified to the minimum extent necessary to make them valid, legal and enforceable. If such modification is not possible, the relevant parts shall be deemed deleted. Any modified or deleted parts shall not affect the legality, validity and enforceability of the rest of the terms.
Governing Law; Jurisdiction
These terms, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with their subject matter or formation shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (‘Hong Kong’). Each party irrevocably agrees that the Courts of Hong Kong shall have exclusive jurisdiction to settle any dispute(s) or claim(s) (including non-contractual disputes or claims) that arises out of or in connection with these terms, or their subject matter or formation, and irrevocably waives any objection which it may now or hereafter have to the Courts of the Hong Kong Special Administrative Region being nominated as forum to hear and determine any such claim or dispute and agrees not to claim that any of such Court is not a convenient or appropriate forum.
Contact Us
If you have any questions, please contact us at: TC Lawson Marketing Limited trading as AI MarketingsTC Lawson Marketing Limited Flat/RM A,B 8/F, Kwai Shing Industrial Building, Phase 1, 36-40 Tai Lai Pai Road, Kwai Chung, NT, Hong Kong E-mail: cs@aimarketings.io © TC LAWSON MARKETING LIMITED TRADING AS AI MARKETINGS 2025. ALL RIGHTS RESERVED.