Legal and Privacy Statement

Legal Statement

This website and its pages ("Website") and the information on it are provided on the following terms and conditions (including our Privacy Statement set out below). By using this Website you are deemed to accept such terms and conditions. Please read these conditions carefully before using this Website. These terms and conditions may be revised by Standard Life Asia at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

1. Company details and regulation

Standard Life (Asia) Limited (662679) (“Standard Life Asia”) is an insurer authorised by the Insurance Authority in the Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong") to write class A, class C and class I of long term business in Hong Kong. Its registered office is at 40th Floor, Tower 1, Times Square, 1 Matheson Street, Causeway Bay, Hong Kong. Telephone +852 2169 0700, fax +852 2169 0220 and e-mail:

2. Residence

This Website is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of the Website is prohibited. The pages of this Website are issued in Hong Kong and are for the information of Hong Kong residents in relation to Hong Kong products only. Those who choose to access this Website do so on their own initiatives and should be aware that, other than in Hong Kong, the information provided may not be in compliance with local law.

3. General Disclaimers and terms

Whilst Standard Life Asia has taken all reasonable care to ensure that the information contained within the pages of this Website is accurate, current, complete, and compliant with the relevant Hong Kong legislation and regulations as at the date of issue, no liability can be accepted for any errors or omissions, or for any information becoming out of date or for any direct or indirect loss arising as a result of use of or reliance on this Website for any reason.

All warranties, conditions, representations and terms, whether express or implied by statute, common law or otherwise, with respect to this Website and its content, including but not limited to implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy are excluded from these Website terms and conditions to the extent that they may be excluded as a matter of law. Further, Standard Life Asia does not warrant that the Website will be uninterrupted or error free or that any defects will be corrected. Standard Life Asia accepts no responsibility for information contained in any other sites which can be accessed by hypertext link from this Website or for such other sites not being available at all times. Please note that when you click on any external site hypertext link you will leave the Standard Life Asia Website and separate terms and conditions may apply to such other sites.

Standard Life Asia reserves the right to suspend or withdraw access to the pages of this Website without notice at any time and accepts no responsibility for the Website or any part of it not being available at all times.

Nothing in these terms and conditions shall exclude Standard Life Asia’s liability for death or personal injury resulting from its negligence. You shall be liable for and shall indemnify Standard Life Asia from and against any and all claims, actions, liabilities, losses, damages and expenses (including legal expenses) of any kind which arise out of or in connection with, directly or indirectly your breach of these Website terms and conditions.

4. Advice

The pages on this Website are for information only and do not constitute financial, professional or investment advice in any way. If you would like further advice on Standard Life Asia’s investment and/or insurance products, you may wish to consult your usual financial adviser who may be happy to provide assistance. Some advisers may charge a fee for providing advice.

5. Copyright and trade mark

© 2018 Standard Life Asia, images reproduced under licence. All rights reserved.

Copyright in the pages of this Website and in the information and material contained therein (including without limitation any forms you may download from this Website) and their arrangement, is owned by Standard Life Asia, unless otherwise indicated.

Standard Life and the Standard Life Asia logo are registered trade marks of Standard Life Employee Services Limited. Standard Life Employee Services Limited, or such other member of Standard Life Aberdeen group as Standard Life Employee Services Limited may direct, may also claim trade mark and service mark rights in other marks contained within the pages of this Website.

Images displayed on this Website are either the property of Standard Life Asia or used with permission by Standard Life Asia. Any unauthorised use of such images may violate copyright laws, trademark laws and the laws of privacy.

This Website is owned and operated by Standard Life Asia. Reproduction, copying, republishing or distribution of these pages in whole or in part without the prior written consent of Standard Life Asia, , is strictly prohibited unless for private, non-commercial viewing purposes. Standard Life Asia neither warrants nor represents that use of materials on this Website will not infringe the rights of third parties.

6. E-mail and Internet based communications

Please note that, due to the inherently insecure nature of Internet communications, there is no guarantee that any e-mail or message sent using the facilities of this Website will be received, or that the contents of any such e-mail will remain private and will not be corrupted during internet transmission. If you have any such concerns, you may prefer to use the telephone or postal system instead.


Please note that any software or content that may be downloaded from this Website is downloaded at your own risk. Standard Life Asia does not warrant the suitability of any such software or content which is downloaded and accepts no liability for any problems with your computer, tablet, device or other equipment that may arise as a result. If you are in any doubt as to the suitability of software or content to be downloaded for your computer equipment, it is recommended that you obtain specialist advice before downloading. Furthermore, it is a condition of your use of this Website that you agree that Standard Life Asia shall not be liable for any viruses, trojans, worms, technical defects or other harmful computer code or data which may infect or otherwise damage your computer software or equipment as a result of your access to or use of this Website or any of its contents.

8. Data Protection

Please refer to our Privacy Statement below. We may also use cookies to track your movements through the site. The information on your movements helps us understand how our site is being used, which pages are being viewed and how many visitors are interacting with the site. Further, the information also helps us understand how useful the site is to our visitors, and how we can keep improving. Personal information is not included in the tracking exercise and all individuals are treated anonymously for the purposes of data collection and analysis via cookies.

9. Password Protected Areas of the site

You may be asked for a user name and password in order to access certain areas within this Website ("Password Protected Areas"). Access to the Password Protected Areas by any unauthorised person is strictly prohibited. If you have been issued a user name and password by Standard Life Asia, you undertake to keep the user name and password confidential and secure at all times and agree not to disclose them to any unauthorised person or to use them to provide access to the Password Protected Areas to any unauthorised person. Standard Life Asia reserves the right to withdraw access to the Password Protected Areas without notice.

10. Severability and waiver

If any of these terms and conditions is determined to be illegal, invalid or otherwise unenforceable, then to the extent of such illegality, invalidity or unenforceability, such terms or conditions shall be deleted and severed from these terms and conditions and the remaining terms and conditions shall survive in full force and effect.

If Standard Life Asia fails at any time to insist upon strict performance of any of your obligations under these Website terms and conditions, or if Standard Life Asia fails to exercise any of its rights or remedies to which it is entitled under these Website terms and conditions, it shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.

11. Governing Law

These terms and conditions shall be governed by and construed in accordance with the laws of Hong Kong. You agree that the courts of Hong Kong shall have jurisdiction over any disputes arising in relation to this Website.

Privacy Statement

Standard Life Asia is committed to safeguarding your privacy and pledges to observe the requirements of the Personal Data (Privacy) Ordinance (Chapter 486) (the "PDPO") of the laws of Hong Kong.

If you choose to complete one of our on-line forms or e-mail or message us using the facilities of this Website, the personal information you provide will be used by Standard Life Asia to enable us to answer your queries or requests and to provide you with information related to your queries or requests. Failure to provide any mandatory personal information may mean that you do not receive the information or services that you have requested.

The personal information you provide when registering, and any additional information you include about yourself or anybody else, while using other features on this Website will be held on our systems and/or those of the company hosting this Website on our behalf, to allow you to revisit and/or update the services you have chosen to personalise.

Collection of Personal Information

Until you submit to us an online enquiry, register as an online user, and/or apply for a job position, Standard Life Asia will not collect any personally identifiable information from you when you visit this Website.

If personal information is or has been collected, such information will only be used in accordance with the purposes set forth in our Personal Information Collection Statement.

Disclosure of Personal Information

Standard Life Asia will not transfer or disclose any of your personally identifiable information collected via this Website to any other person except:

a) as specified in Personal Information Collection Statement;
b) when we have your permission or
c) under special circumstances under the PDPO.

Responsibility of Users

Upon registering to use our Website services, all users warrant that their information provided relating the services is true, complete and up-to-date and all users agree to notify Standard Life Asia regarding all changes to the information previously declared (including but not limited to changes in address and contact details etc.).

Right of Users

You have the right under the Personal Data (Privacy) Ordinance (the "PDPO") to: (i) check whether Standard Life Asia holds personal information about you and the kind of information held; (ii) request access to and correction of any of your personal information which is incorrect; (iii) ascertain Standard Life Asia’s policies and practices relating to personal information; and (iv) request Standard Life Asia not to use your personal information for direct marketing purposes. Any of these requests may be made in writing to Standard Life Asia's Data Protection Officer at 40th Floor, Tower 1, Times Square, 1 Matheson Street, Causeway Bay, Hong Kong.

Standard Life Asia has the right to charge a reasonable fee for processing any data access request.

Data Protection

To ensure data security, Standard Life Asia will take all reasonable steps to protect the personal data transmitted to and held by us. For details, please refer to our Security Policy section below.

If you have any queries in relation to our privacy statement and practice, please feel free to contact us.

Security Policy

Standard Life Asia is committed to providing a secure online environment for our customers. Your personal information and policy records are being protected. To gain access to your personal information in this Website requires valid Login ID and Password. Therefore, you undertake to keep the Login ID and password confidential and secure at all times and agree not to disclose them to any unauthorised person or to use them to provide access to the Password Protected Areas to any unauthorised person. When choosing your Login ID and Password, ensure that both Login ID and Password are unlikely to be known by others. Standard Life Asia will not be liable for any loss you may incur as a result of someone else using your Login ID or Password, either with or without your knowledge.

You may change your Password at any time, but the Login ID is not allowed to be changed. We recommend that you log out from our Website each time after browsing your personal information and regularly change your Password.

If you suspect that your Login ID, Password or personal information have been disclosed to unauthorised person, you are obligated to inform us immediately.

Your Transactions Are Secure

Standard Life Asia adopts GLOBAL SIGN Secure Site Services to enhance the security of your online transactions using our website. Standard Life Asia accepts no responsibility for the operation of the Secure Site Services from GLOBAL SIGN.

Through the use of GLOBAL SIGN Secure Site Services:

1. You can authenticate or verify this Website so that you can be assured that this Website belongs to Standard Life Asia; and
2. You can communicate with Standard Life Asia via Secure Socket Layer (SSL) encryption technology so that your privacy will be protected.

Our website's Password Protected Areas protects data over the Internet by using 128-bit SSL encryption, one of the highest levels of protection possible for all Internet communications. It is the industry standard protection method used by most recognised online banks and institutions around the world.

While you are surfing our Password Protected Areas, your Internet browser will show a padlock icon in its status bar, near the bottom right-hand corner of the window. This icon indicates that your online transactions are protected by this encryption technology.

If you have any queries concerning the above information, please feel free to contact us.

© 2018 Standard Life Asia, images reproduced under licence. All rights reserved.