Please read the Terms and Conditions of the Website Terms of Use. By accessing the Site and related pages, you agree and accept the Terms of Use in force at that time and will govern your use of the Site.

1. Definitions

Access Code” means collectively, user logon ID and password, as provided by HBC, for access to some or all of the Online Services provided on or through the Site.

Card” means each Card issued by HBC and/or its strategic partners or other card as we may determine from time to time that is issued by us or the supplier pursuant to a Card agreement with us for use in relation to your account.

Content” means all information, text, images, services and other data contained in or linked to https://hbclub.com.hk/ are referred to as “the Site”. Under Terms of Use, all materials (including but not limited to text, images, audio material, video material and audio-visual material) that are accessible via or submitted to this website, for whatever purpose, are collectively referred to as “Content”.

HBC” means Hanberg Club Limited, its successors and assigns, where applicable;

Online Services” means certain online Services available to the Customer via the Site, which access is on an Access Code restricted basis

Personal Information” means any information that you supply or provide to HBC (whether directly or indirectly) for all purposes of assessing the Site, applying, requesting and/or purchasing any services and/or products by the Site, including without limitation, any of your information, vehicle numbers, credit card and bank account details.

Site” means HBC’s websites (https://hbclub.com.hk) on or through which Online Services are provided or made available.

Terms of Use” means Website Terms of Use, the Privacy and Personal Data Protection Policy and your Duty of Disclosure in the Site.

We”, “Our”, “we” and “our” all means HBC, its strategic partners which supply any services and products to HBC’s customer, included but not limited to Hanberg Insurance Agency Limited (HIA).

2. Services and/or Products

Access to the Site does not constitute any sales of any service and/or product to you. If you wish to apply for and/or purchase any service and/or product, you should also refer to the Terms of Use and any other terms and/or conditions relating to the services and/or products. The information and descriptions of services and/or products on the Site do not necessarily represent a complete description of all the terms, conditions, waivers, warranties and/or guarantees that may be applicable. The full description of our services and/or products may be provided by us verbally, in writing or electronically or in any manner we consider suitable, and if there is any discrepancy, our version of the description shall be conclusive. You may apply to us and/or make a purchase request, but we may decide to reject or accept your application in our sole discretion. If the application is accepted, you will be notified by written and/or oral notice.

The Site may contain or link to information about cash vouchers, discounts, vouchers, rewards, rebates, special offers, deals, promotions or any content by persons not related to or part of us. We do not sponsor, recommend or approve of any such third party offers or third party materials associated with those offers.

The Site and the Content in the Site are provided on “as is” and “as available” basis which without any representation or warranty, express or imply. We makes no representation or warranty in relation to the Site or any Content provided on the Site.

Without prejudice to the generality of the foregoing paragraph, we does not warrant that:

The Site will be constantly available, or available at all; or
The Content on the Site is complete, true, accurate or non-misleading.
Nothing on the Site constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial, insurance or regulatory matter you should consult an appropriate professional.

The services and/or products provided by us are governed by and construed in accordance with the laws of Hong Kong and you hereby agree to submit to the exclusive jurisdiction of the courts of Hong Kong.

3. Application and/or Terms of Purchase

You must ensure that the Personal Information provided to us are accurate and correct when you file your application and/or purchase request. You must ensure that any form of payment (including but not limited to credit cards, bank account facilities and any other payment methods) have sufficient funds or credit facilities to pay for any service and/or product purchased. We shall not be liable for any failure to provide the services and/or products, the collection of any fee, or any cost resulting from any error in the Personal Information you provided.

You must notify us in writing of any changes to the Personal Information you have submitted which will affect us or any of our affiliates, suppliers or partners (including but not limited to the cancellation of any purchase request for our services and/or products).

We do not warrant that any service and/or product will be offered at any time or at any particular price, and we will not provide any reason for any rejection of your application, or for any liability or loss, for the withdrawal of any services and/or products.

4. Application and/or purchase process

You may apply for and/or purchase the Cards, insurance services and products and/or other services and/or products through the Site.

We have no obligation to ascertain or confirm the authenticity, completeness or authority of the instructions given to or transmitted to us, save that the electronic instructions given on the Site are authorised instructions (the “Instructions”). An agreement is formed between the parties when, upon your application via the Site, we process and accept your application to purchase services and/or products through the Site without further reference to you.

Service Agreement Process to apply for the Card

  1. you request and/or purchase the services and/or products and submit all required Personal Information to us;
  2. we may accept (or reject) your purchase request, and if we accept your purchase request, the parties will be bound by the terms and conditions of purchase;
  3. we must receive all valid and required Personal Information, you must be authorised to use the credit card, bank account facilities and/or other payment facilities, and the type of credit card, bank account and/or other payment facilities must be acceptable to us, and we can successfully charge the applicable fee;
  4. we will send or activate the account details after confirming that the trading account works properly;
  5. you must read and agree to the Card Terms and Conditions.
  6. All charges for services and/or products requested and/or purchased through the Site must be fully paid before the specified due date. We do not necessarily give a confirmation notice and the contract is binding on you upon acceptance by us regardless of whether we issue or acknowledge receipt of the transaction in writing.

Service Agreement Process to apply for Insurance Services and Products

  1. you request and/or purchase the services and/or products and submit all required Personal Information to us;
  2. we may accept (or reject) your purchase request, and if we accept your purchase request, we will send you an electronic quotation;
  3. if you accept the quotation, the parties will be bound by the terms and conditions of purchase;
  4. we must receive all valid and required Personal Information, you must be authorised to use the credit card, bank account facilities and/or other payment facilities, and the type of credit card, bank account and/or other payment facilities must be acceptable to us, and we can successfully charge the applicable fee;
  5. we will only process to the application of the insurance policy after the premium has been officially received;
  6. you must read and agree to the terms and conditions of the insurance product.
  7. All charges for services and/or products requested and/or purchased through the Site must be fully paid before the specified due date. We do not necessarily give a confirmation notice and the contract is binding on you upon acceptance by us regardless of whether we issue or acknowledge receipt of the transaction in writing.

5. Online application and/or transaction

You agree to submit, and you agree that we may collect, your Personal Information on the Site. The Personal Information and/or documents submitted by you for our use may include without limitation to your application for the Card, insurance services and products and/or other transactions. We may at any time, for any reason refuse to process the application and/or the transaction, which is not a finalised application and/or transaction until we have confirmed your request, and we shall not be liable to you or to any third party for any application that is not processed, finalised or accepted.

6. Electronic documents

You may receive some of your documents electronically (including but limited to purchase orders, insurance policy). Due to legal and technical limitations, we may not be able to provide all of the documents electronically and some documents may be provided by post or in a manner that is legally permitted.

7. Logon to your account

You need to log into your “Logon Account” on the Site in order to view and manage your services and/or products. You may access and use the Online Services only upon the issuance of valid Access Codes by us. You shall use all reasonable efforts to prevent the sharing of Access Codes by its Cardholders, anyone else within its organisation or any third parties. You are fully responsible for all activities that occur under the Access Codes issued to its cardholders. You must notify us immediately through the HBC Card Hotline and confirmed in writing within 3 business days, if it becomes aware of any unauthorised use of any Access Code, or any loss or theft of such Access Code or any records thereof, or if it believes that any Access Codes has become known to any unauthorised person. Upon being so notified, we may, in its absolute discretion, revoke a password and/or user logon ID and issue new Access Codes. We may in its absolute discretion invalidate a user logon ID at any time for any reason, including without limitation if it has not been used to access the Site for a continuous period of 90 days or more or after multiple attempts to log on through an incorrect user logon ID and/or password. You shall be liable for all charges, losses, costs, expenses or claims arising from activities occurring under the Access Codes, whether authorised or unauthorised, until we invalidates the user logon ID.

Any parties used the Site with your Access Code will be treat as the parties is using the Site under your authorisation or permission. You are not permitted to use the Access Code to access or modify any other persons』 Personal Information without authorisation. Any unauthorised access to confidential information will be reported to the authorities and may lead to criminal prosecution.

8. Ownership of Intellectual Property

Unless otherwise stated, we and/or our licensors own all the content, copyright, designs, images, logos, names, trademarks and textual arrangements, data storage entitlements and other intellectual property rights in the Site and Content on the Site, hereinafter referred to as “Intellectual Property”. You may not use the Site in violation of the Intellectual Property rights and we have no license or right to grant you any intellectual property rights, except as permitted by our written licence agreement. Subject to a written licence agreement, all our Intellectual Property rights are reserved.

You shall not compile, store, reproduce, modify, use, publish, distribute, extract, process, monitor, reuse, reproduce, collect, synthesize or publicly display any of the content of the Site in any manner, at any place, channel or media for any commercial or non-commercial purposes, and you shall not allow any other person to act as aforesaid, without our express written permission.

User content

In this Terms of Use, “User content” means material (including but not limited to text, images, audio material, video material and audio-visual material) that you submit to the Site, for whatever purpose.

You grant to us a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to us the right to sub-license these rights, and the right to bring an action for infringement of these rights.

Your User Content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or us or a third party (in each case under any applicable law).

You must not submit any User Content to the Site that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

We reserves the right to edit or remove any material submitted to the Site, or stored on our servers, or hosted or published upon the Site.

Notwithstanding our rights under these terms and conditions in relation to user content, we does not undertake to monitor the submission of such content to, or the publication of such content on, the Site.

9. Acceptable Use

You may only use the Site for quotes, inquiries, service and/or product information, application and electronic invoices of services and/or products.

You shall be responsible for any User Content you send to us, whether for commercial purposes or otherwise, and you shall not in any way obstruct, damage, interfere with, compile, store, copy, modify, use, publish, distribute, extract, process, monitor, reuse, reproduce, collect, synthesize or publicly display any content, operation or activity of the Site.

You must not use the Site in any way that cause, or may cause, damage to the Site or impairment of the availability or accessibility of the Site; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use the Site to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including but limited to scraping, data mining, data extraction and data harvesting) on or in relation to the Site without our written consent.

You must not use the Site to transmit or send unsolicited commercial communications.

You must not use this website for any purpose related to marketing without our express written consent.

10. Indemnity

You hereby indemnify us and undertake to keep us indemnified against any loss, damage, cost, liability and expense (including but not limited to legal expenses and any amount paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

11. Breaches of these terms and conditions

Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, we may take such action as our deems appropriate to deal with the breach, including suspending your access to the Site, prohibiting you from accessing the Site, blocking computers using your IP address from accessing the Site, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

12. Personal Data Privacy Policy

By using the Site, you agree that we may collect, store, use and/or process your personal data in accordance with our Privacy Policy Statement and applicable law.

If you have any questions, please call HBC Card Hotline +852 2180 9350

13. Telephone recording and e-mail records

We may record your webchat, telephone and/or email communications with us. By using such means of communication, you consent to our conduct of these activities.

14. Disclaimer

14.1 The Site services may be discontinued at any time for maintenance purposes without notice. We shall not be responsible for any loss of such Personal Information during the uploading or transmission of any Personal Information to the Site. We are committed to maintaining the accuracy and completeness of the content of the Site to meet your needs, but depending on factors that may be beyond our control, we are unable to guarantee that the Site services will not be interrupted at any time. We do not warrant against any damage to property or other inherent risks of the Internet including but not limited to data loss, computer virus, spyware, malicious software, Trojans and computer worms. We shall not be liable for any loss or damage caused by unauthorised alteration of the contents of the Site by an unauthorised third party.

14.2 You are responsible for informing us of any Personal Information changes as well as to keep your Personal Information accurate and updated (including but not limited to correspondence, contact and email accounts). We are not responsible for any of the above errors if your Personal Information is not accurate or updated, including but not limited to send emails to an email account that is not enabled or inactive.

14.3 We shall not be liable for and any loss or damage by failing to receive your application and/or purchase request because of any failure of, included but not limited to blackouts, electronic telecommunications, machinery, software, computers, other products and/or service providers, systems which cost us cannot receive your electronic instructions.

14.4 We exclude all warranties, representations (including express or implied) that are permitted under applicable law, including but not limited to any content on the Site (including accuracy, current or completeness), or in any available content within the judicial system. We exclude all liability in respect of any contract, tort (including negligence), statutory liability or use, browsing or failure to browse the Site; or any content on the Site that is incorrect, biased or omitted, or any liability (including direct and / or indirect) arising from fail to provide services in the Site.

15. Limitations of liability

We will not be liable to you (whether under the law of contract, the law of torts or otherwise) in relation to the Contents of, or use of, or otherwise in connection with, the Site:

to the extent that the Site is provided free-of-charge, for any direct loss;
for any indirect, special or consequential loss; or
for any business loss, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
These limitations of liability apply even if we have been expressly advised of the potential loss.

16. Exceptions

Nothing in the Site disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit our liability in respect of any:

death or personal injury caused by our negligence;
fraud or fraudulent misrepresentation on the part of us; or
matter which it would be illegal or unlawful for us to exclude or limit, or to attempt or purport to exclude or limit, its liability.

17. Reasonableness

By using the Site, you agree that the exclusions and limitations of liability set out in the Site disclaimer are reasonable.

If you do not think they are reasonable, you must not use the Site.

18. Miscellaneous

We reserve the right to change any of the terms and conditions of the Site at any time without prior notice. We may exercise our discretion to change or modify, without noticing you, the termination of any part of the Site (including but not limited to rewards, services and/or products).

We reserve the right to charge you with any reasonable fees for the use of the Site in whole or in part and to reserve the right to vary or amend the terms and conditions of the fees at any time.

By using the Site, you accept these terms and conditions. If any provision of the Terms of Use is unlawful, invalid or unenforceable for any reason, the offending provision shall be deemed to have been cancelled, without prejudice to the validity or enforceability of the remaining terms and conditions of use.

19. Law and jurisdiction

These terms and conditions will be governed by and construed in accordance with laws of Hong Kong, and any dispute relating to these terms and conditions will be subject to the non-exclusive jurisdiction of the courts of Hong Kong.

20. Declaration of Consent

We recommend that you review all terms and conditions each time you visit the Site. By accessing and using the Site, you acknowledge and agree to these Terms of Use. This is our current terms and conditions of use, which supersedes any previous terms and conditions posted on the Site. You acknowledge that we may make changes to these Terms of Use at any time without noticing you. We have provided you with sufficient notice of change, and your use of the Site after the change of the terms and conditions will be deemed to be accepted by you of the new Terms of Use.