Terms and conditions

The information published on the Capstone Insurance Brokers Limited (“Capstone”) website is provided as a convenience to visitors and should be used for information purposes only and is subject to change without notice. None of the information contained in this website constitutes financial or other professional advice in any way. If you require additional information, you should contact appropriate Capstone personnel.

Whilst Capstone uses reasonable efforts to ensure that the information contained on its website is current and accurate at the date of publication, no warranties are made, either expressed or implied, as to reliability, accuracy or completeness of the information. Capstone accepts no liability for any loss arising directly or indirectly from the use of or action taken in reliance on such information. These documents should not be copied, reproduced or redistributed, in whole or in part.

No warranty is given as to the freedom of this website from errors, defects, viruses, malicious programs or macros. Links from this website exist for information only and Capstone accepts no responsibility or liability for the information contained on any such site. The existence of a link to another website does not imply or express endorsement of its provider, product or services by Capstone. Links to this website are not permitted without the prior written consent of Capstone. Please note that clicking on links to external websites will cause you to leave the Capstone Financial website

Privacy

Capstone is committed to protecting the privacy of its users and we therefore ask that you please read this Privacy Policy before providing us with any personal information (“personal information” or “personal data”).

Our use of your personal information

Capstone complies with its obligations under the Hong Kong Personal Data (Privacy) Ordinance (PDPO). Please ask for a copy of our Personal Information collection statement (PICS) before providing us with any personal information. You have the right to access and to request correction of any personal data concerning you held by Capstone. In accordance with the PDPO and the PICS, we have the right to charge a reasonable fee for the processing of any data access request. Such request or notice can be made in writing to: Unit 601-604, 6th Floor, 41 Heung Yip Road, Wong Chuk Hang, Hong Kong.

Cookies

The Capstone website uses cookies – small text files that are stored on your computer or in your browser – to help us to monitor how visitors use our site and allow us to maintain the optimum experience for website users. The website does not store or capture personal information about you when you visit it, it merely records traffic information. This means information about all of our visitors collectively, for example the number of visits the website receives. In order to respect our visitors’ rights of privacy, this information is anonymous and no individual visitor can be identified from it.

You can disable and delete cookies by changing the appropriate setting within your browser’s ‘Help’, ‘Tools’ or ‘Settings’ menu. Please note that by disabling cookies you may not benefit from some of the features of our site. You can find out more about deleting or controlling cookies by visiting aboutcookies.org.

Google Analytics

This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies (text files placed on your computer) to help the website operators analyse how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google.

In addition, we use Google’s remarketing technology to advertise online. In doing so, Google will place or read a unique ad-serving cookie on your computer and will use non-personal information about your browser and your activity on our sites to serve ads on their content network. Please click here for more information about remarketing or to opt-out of the Google remarketing cookie.

We will only collect personal information about you if you send us an e-mail enquiry via the ‘contact us’ facility. In order for this to happen, you will need to fill out the on line ‘contact us’ form or complete the registration details. The type of information being collected for an enquiry will be apparent from the layout of the ‘contact us’ form, which also tells you how this information will be used. The type of information collected by email will be apparent from the details requested when you register.

We take all reasonable precautions to protect our visitors’ information, both on and off line. If your personal information changes, please let us know and we will correct, update or remove any information that we hold about you on our active databases. We may however need to retain archive copies of that personal information for legal or audit purposes. If you have any queries regarding the way in which Capstone handles data collected from you on this website, please visit the contact us page.

By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out in the above four paragraphs.

When might we disclose your personal information to others?

Please be assured that except for the reasons listed below, we will not disclose your personal information to others.

We may disclose your personal information to others in the following circumstances and/or for the following purposes:

• Where it is necessary for the provision of information or services to you
• Where we are required to do so by the courts or to comply with other legal, statutory and/or regulatory obligations including accounting and taxation requirements
• To prevent and/or detect crime
• Where we believe that you may be interested in the services offered by other organisations including our group companies. Please contact us if you would like details about these companies. If you do not wish to receive direct marketing from Capstone , please write to us at Capstone Insurance Brokers Ltd, Unit 601-604, 6th Floor, 41 Heung Yip Road, Wong Chuk Hang, Hong Kong
• For credit reference purposes

Personal information collected from you will only be disclosed to third parties who process this information on our behalf for administrative purposes; where we are required to do so by the courts or to comply with other legal, statutory and/or regulatory obligations including accounting and taxation requirements and to prevent and/or detect crime.

Monitoring

Please note that if you communicate with us electronically, including by e-mail, telephone or fax, this communication may be randomly monitored and/or recorded to protect the interests of our business and our customers. This includes for the purposes of maintaining customer/service quality standards, detection of and/or prevention of crime and to ensure that Capstone employees comply with legal obligations and Capstone policies and procedures (including our customer relations practices).

Hyperlinks

We may provide hyperlinks from this web site (‘the Site’) to web sites of other organisations including websites of associated companies. Please note that this Privacy Policy applies only to this Site and that Capstone will not liable for the contents of linked web sites or any transactions carried out with organisations operating those web sites.

Information updates

Please help us to keep your personal information current and accurate by contacting us if your personal information is or becomes inaccurate and/or out-of-date.

Contacting us

If you do not want us to use your personal information or personal data in the manner set out in this Privacy Policy and/or the relevant PICS, need to advise us of any changes to your personal information or personal data, or would like any more information about the way in which we collect and use your personal information or personal data, please contact us at Capstone

Security

As you may be aware, no data transmission over the internet can be entirely secure. As a result, while we will always use reasonable endeavours to protect your personal information, we cannot guarantee the security of your personal information and the use of our Site (including the e-mail facilities) is at your own risk.

Changes to this Privacy Policy

This Privacy Policy will change from time to time, and you should check the Site on a regular basis to ensure that you are aware of our most recent policies (including this Privacy Policy, the PICS and the Terms relating to your use of the Site).

User declaration

By providing Capstone with any personal information or personal data you consent to the use of your personal information or personal data for the purposes and in the manner set out in this Privacy Policy and the PICs as the case may be.