Notice to users: Carefully read the following Privacy Policy and the Assecuranz Compass Terms and Conditions (which together comprise the "Agreement") which govern the use by you ("the User") of this site and the Assecuranz Compass Service offered through it. By accessing the Assecuranz Compass website at www.assecuranz.com you are agreeing to the terms of the Agreement.

Assecuranz Compass Ltd ("Assecuranz Compass") ("We" or "Us") take your privacy seriously. The following Privacy Policy ("the Privacy Policy") explains the steps we take to ensure information about you is kept secure and confidential and you should read it carefully.

We will only collect personal information about you given by you when you register with us or contact us for information. If you are just browsing on this site, there is no need for you to disclose any personal information, such as, your name, your contact details or details about your credit/ debit card which we need for the operation of our billing systems. We will always let you have a copy of all personal information we have about you should you request it subject to such charges as we are permitted to make under relevant data protection legislation. You are able to update and amend your personal information on-line at any time through the "Users Services" section of this site.

Personal information comprised in the Assecuranz Compass Data can be upgraded and amended by the relevant individual sending an e-mail to info@assecuranz.com

We collect information about our users so that we can inform them of new offers, products and services which may be of interest to them, to help us improve and personalise our services and any services provided to you through our website. We also need to process your personal information in order to operate our accounting and billing systems.

Your information may be processed by third parties under contract with Us in order to perform our arrangements with You.

We may disclose information obtained from you to third parties as part of aggregate but not individual statistics to potential advertisers, for example number of users, typical ages, locations.

We may store certain personal information and use this to offer you personalised services, information and offers through our services. You can of course ask us to stop providing such services to you at any time by e-mail to us at info@assecuranz.com

In certain circumstances We may need to disclose information about you if you breach the Terms and Conditions. We may also disclose or access your account if required to do so by law or any other Governmental body.

Keeping information about you secure is very important to us. However, no data transmission over the Internet can be guaranteed to be totally secure. As a result, whilst We strive to protect your personal information, We cannot ensure or warrant the security of any information which you send to us whilst it is being sent, and you send such information at your own risk.

We may use cookies on the site to make it easier to use. For further information see our FAQ's on cookies.

Information supplied by you to us whether submitted by you via this or other web sites will only be transferred to other countries by us or our agents for the purpose of performing contractual obligations owed by us to you.

Part of the Assecuranz Compass Information System and our billing process are automatic and we may process your personal information as part of our billing process.

The practices outlined above represent current (as of January 2001) data protection practices. To keep up with rapid technological change we may from time to time review and revise these practices.

If you have any questions relating to the Privacy Policy or how we use the personal information we have about you, please contact: info@assecuranz.com

It is the responsibility of the User to ensure that it is complying with the national laws of any state relating to the access of the Assecuranz Compass Data (for example, in Germany personal data must only be accessed where the User has a legitimate interest in doing so and records must be kept of the grounds for the legitimate interest).

The User shall be solely responsible for obtaining, operating and maintaining all necessary computer hardware and software, modems and telecommunication links which it requires to access the Assecuranz Compass Service.

Without prejudice to any other rights or remedies, Assecuranz Compass may at any time suspend the Assecuranz Compass Service or terminate the Licence forthwith if the User is in material breach of any of its obligations under the Agreement or if the User goes into bankruptcy, liquidation or administration, makes a voluntary arrangement with its creditors or becomes insolvent or has a receiver appointed. Assecuranz Compass will under no circumstances be liable to refund all or part of any fee (if any) in the event of the suspension of the Assecuranz Compass Service or termination of the Licence. On termination the User will immediately destroy all copies of the Assecuranz Compass Data it has acquired by use of the Assecuranz Compass Service.

5.1 Any notice given under this Agreement must be in writing and delivered by hand, first class post, email or facsimile to the relevant party to the address given by Assecuranz Compass on this site or the address given by the User on registration

5.2 The headings in this Agreement are for convenience only and shall not affect the interpretation of this Agreement.

5.3 Neither party shall be liable for any delay in performing its obligations if such delay is caused by circumstances beyond its reasonable control.

6.1 The User will treat as confidential and keep secret all information contained in or concerning the Assecuranz Compass Service, and the method developed by Assecuranz Compass to compile and organise the Assecuranz Compass Data. The User will not disclose such information to any third party, except to the extent that it is required to do so by law, or to the extent that the information is public knowledge.

6.2 This clause will remain in full force and effect after termination of this Agreement.

This Agreement shall be governed by and construed in accordance with the laws of Hong Kong (excluding laws governing the conflict of laws) and the parties submit to the jurisdiction of the Hong Kong Courts. This will not prevent Assecuranz Compass from pursuing a claim for breach of contract, copyright infringement or otherwise in respect of this Agreement, the Assecuranz Compass Service, or the Assecuranz Compass Data in any other jurisdiction throughout the world.