Disclaimer & Privacy Statement


Disclaimer & Privacy Statement


By accessing this website and any of its pages you are agreeing to the terms set out below and by continuing to use this website following the posting of any changes to these terms will signify your consent to the changes made.



Products and services referred to in this website are offered only in jurisdictions where and when they may be lawfully offered by Ever Fountain ("the Group").The material on these pages are not intended for use by persons located in or resident in jurisdictions which restrict the distribution of this material by us. Persons accessing these pages are required to inform themselves about and observe any relevant restrictions.

These pages should not be regarded as an offer or solicitation to sell investments or make deposits in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdictions.

The information contained in these pages is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain appropriate professional advice where necessary. 

Any information, products or services supplied in this website may be withdrawn or amended at any time without advance notice at the discretion of the Group. The eligibility of clients for particular information, products or services is subject to the final and absolute discretion of the Group. 

It is your sole responsibility to prevent, safeguard and ensure that no computer virus enters your system and this website.


The above information is for reference only. Please refer to the policy for exact terms and conditions and full list of exclusions. For more information, please send us email to This email address is being protected from spambots. You need JavaScript enabled to view it. .

If discrepancy exists between the English version and the Chinese version of the above information, the English version shall prevail.

The product(s) is/are offered for sale in Hong Kong only and will be  underwritten by the corresponding insurance company.

Personal Information Collection Statement

In compliance with the Personal Data (Privacy) Ordinance (“the Ordinance”), we would like to inform you of the following: 
(1) The personal information collected or held by the Group (whether obtained verbally or in writing) may be used, stored, disclosed and transferred (within or outside Hong Kong) to any individuals / organizations associated with us or to any third party as the Group may consider necessary including any other company carrying on insurance or reinsurance related business, any intermediary, claims investigator, medical facilities, other service providers relevant to insurance business, professional advisor, government authority or industry association / federation of insurance companies that exists or is formed from time to time.

(2) Your personal information is collected or held by the Group for the purpose of: 
a. processing of applications / requests and provision of insurance or financial related product or service or any addition, alteration, variation, cancellation, renewal, or reinstatement thereof; 
b. enabling the provision of insurance coverage , claim processing, investigation or analysis of such claim; 
c. performing statistical or actuarial research, or data matching;
d. exercising any right of subrogation (if applicable); 
e. promoting financial products or services by the Group, its affiliated companies or business partners; 
f. communicating with you, the insured or any relevant organization / person as the Group considers appropriate; and 
g. meeting any disclosure requirements imposed by law or court orders or pursuant to guidelines issued by regulatory or other relevant authorities. 
(3) Your personal information will be kept confidential but the Group may transfer such information to the above-mentioned parties for the purposes referred to in point (2).

(4) You have the right to access and to request correction of any personal information concerning yourself held by the Group. Request for access to or correction of your personal information can be made in writing to the Group’s Corporate Data Protection Officer. According to the Ordinance, the Group has the right to charge a reasonable fee for the processing of any data access request.

(5) Should you prefer not to receive any promotional materials from the Group or its affiliated companies, you can inform the Group by writing.






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