Legal Notice and Website Terms

This website is operated by GoldenStone Specialty Limited (“GoldenStone”, “we”, “us” or “our”). These terms apply to your access to and use of the GoldenStone website, including its content, links and contact form.

Separate terms, policy documents, written authorisations or other executed documents may apply to a particular insurance, reinsurance or service arrangement. Those documents are not replaced or amended by this Legal Notice.

By accessing or using the website, you agree to use it in accordance with these terms. If you do not agree, please discontinue use of the website.

You may access the website without registering an account. Access is provided on a temporary basis, and we may suspend, withdraw, restrict or change all or part of the website where reasonably necessary.

The website is intended primarily for professional participants in commercial insurance and reinsurance markets, including brokers, cedants, insurers, reinsurers, risk professionals and service providers. It is not designed as a retail insurance purchasing portal.

The website may be accessible from Hong Kong, Mainland China and other countries or regions. Accessibility does not mean that every service described on the website is available or authorised in every jurisdiction.

The website is not directed to any person in a jurisdiction where publication, distribution or the relevant activity would be unlawful or would require an authorisation that has not been obtained. Users are responsible for observing restrictions that apply to them, without limiting GoldenStone's own obligations under applicable law.

The website provides general corporate information about GoldenStone's professional services platform, engineering-informed approach and focus on selected commercial and industrial property risks in Asia-Pacific markets.

Website content is not legal, regulatory, tax, accounting, investment, engineering, risk-management or insurance advice. It is not a personal recommendation or an assessment of whether a product, programme or arrangement is suitable for a particular person or risk.

Nothing on the website constitutes or should be treated as:

• an offer, invitation or solicitation to enter into an insurance or reinsurance contract;
• regulated advice or a recommendation concerning an insurance contract;
• a quotation, indication, cover note, policy, treaty or other contract;
• confirmation that an insurance or reinsurance arrangement is available or committed;
• confirmation that a risk has been accepted or that cover is in force; or
• an endorsement by a regulator, insurer, reinsurer, broker or other relevant party.

You should obtain advice from appropriately qualified and authorised advisers and rely on the relevant executed documentation for a particular matter.

The services described on the website are limited to market development support, risk information, exposure analysis, portfolio reporting and operational coordination. They do not expand GoldenStone's statutory status or authority.

GoldenStone provides services only to the extent permitted by applicable law and by its then-current licence, appointment and written arrangements. The Regulatory Information page should be read for GoldenStone's published regulatory status.

No website statement should be interpreted as GoldenStone holding a licence, appointment, approval or authority that has not been formally obtained and verified.

Visiting the website, completing the contact form, sending an email, receiving an automated acknowledgement or communicating through the website does not:

• create insurance or reinsurance cover;
• bind or accept any risk;
• create or amend a policy, treaty, written authorisation or other contract;
• commit any insurer, reinsurer or other relevant party;
• constitute formal notice of a loss or claim; or
• oblige any person to provide a quotation or terms.

Only a duly authorised written document issued or confirmed through the applicable non-website process can create or change contractual rights or confirm that cover is in force.

Any function performed by GoldenStone in connection with an insurance or reinsurance arrangement is subject to the relevant law, licence, appointment and written arrangements.

References on the website to risk information, technical analysis, documentation, portfolio reporting and operational coordination describe support provided within agreed arrangements. They do not mean that GoldenStone acts in the same capacity in every programme, jurisdiction or transaction.

Formal insurance contracts and related decisions remain with the relevant responsible institutions under the executed documents.

The website contact form is a general enquiry and routing channel only. It must not be used to submit formal legal notices, service of proceedings, claims notifications, confidential risk files, payment instructions, identity documents, medical information or other sensitive material.

Submitting an enquiry does not create a client, agency, advisory, fiduciary, contractual or other relationship between you and GoldenStone. GoldenStone is not obliged to act on, place, accept or respond positively to an enquiry.

Personal data submitted through the website is handled in accordance with our Privacy Policy. Complaints may be submitted as described on our Complaints page.

GoldenStone aims to keep website content accurate and reasonably current. However, website content is provided on an “as is” and “as available” basis. To the extent permitted by law, we do not guarantee that the website or its content will be complete, accurate, error-free, secure, uninterrupted or suitable for a particular purpose.

Content may become outdated, and the availability, scope or description of a proposed service, market, programme or relationship may change. Users should verify material information directly with an appropriately authorised GoldenStone representative before relying on it.

We may update, suspend, restrict or withdraw any part of the website without notice where reasonably necessary for maintenance, security, legal, regulatory or business reasons.

Any reference to a third party, insurer, reinsurer, broker, service provider, rating, award or relationship is for general information only and does not imply endorsement or a continuing commitment unless expressly stated and independently verified.

The website may include links to third-party websites. These links are provided for convenience only. GoldenStone does not control and is not responsible for third-party content, availability, security, terms or privacy practices. Access to a third-party website is at the user's own discretion and subject to that third party's terms.

Unless otherwise stated, the website and its text, design, graphics, images, logos, trade names, software and other content are owned by or licensed to GoldenStone and are protected by applicable intellectual-property laws.

You may view, download and print reasonable extracts for legitimate internal business reference, provided that you do not modify the material or remove any copyright, trade-mark or proprietary notice.

Except where permitted by law or with GoldenStone's prior written permission, you must not reproduce, republish, distribute, sell, commercially exploit, frame, scrape at scale, create derivative works from or store substantial parts of the website in another website, database or retrieval system.

Third-party names, logos and trade marks remain the property of their respective owners.

You must not:

• use the website unlawfully, fraudulently or in a manner that infringes another person's rights;
• attempt to gain unauthorised access to the website, server, contact form, accounts or data;
• introduce malware, malicious code, automated abuse or excessive traffic;
• interfere with the website's operation, security or availability;
• submit false, misleading, defamatory, offensive or unlawful content;
• impersonate another person or misrepresent your authority; or
• use website content or contact details for unauthorised mass marketing, data harvesting or similar activity.

We may restrict or block access where we reasonably believe this section has been breached or where necessary to protect the website, users or GoldenStone.

To the fullest extent permitted by applicable law, GoldenStone and its directors, officers, employees and agents will not be liable for indirect, incidental, special or consequential loss arising solely from:

• access to, use of or inability to use the website;
• reliance on general website content rather than executed documentation or appropriately authorised advice;
• temporary website interruption, technical failure or loss of website availability;
• third-party content, links or conduct outside GoldenStone's reasonable control; or
• unauthorised access, malware or other malicious activity that GoldenStone could not reasonably prevent.

Nothing in this Legal Notice excludes or limits liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence where applicable, or any other liability or duty that cannot lawfully be excluded or limited.

Nothing in this Legal Notice excludes or limits any statutory or regulatory duty that GoldenStone owes under applicable law.

Our handling of personal data collected through the website is described in the Privacy Policy. You are responsible for using appropriate security precautions when communicating over the internet and for not submitting sensitive material through the general contact form.

This Legal Notice and any non-contractual dispute or claim arising solely from access to or use of the website are governed by the laws of Hong Kong.

The courts of Hong Kong have non-exclusive jurisdiction over such website-related disputes, subject to any mandatory law that applies to a user. This section does not override the governing-law or dispute-resolution provisions of any insurance, reinsurance, service or other executed agreement.

If any part of this Legal Notice is found to be invalid, unlawful or unenforceable, the remaining provisions will continue to apply to the fullest extent permitted by law.

A failure or delay by GoldenStone in exercising a right under these terms does not waive that right.

This Legal Notice is available in English and Chinese. Both versions are intended to have the same meaning. If there is an inconsistency, the English version prevails.

We may update this Legal Notice when the website, our business arrangements or applicable requirements change. The current version and effective date will be published on this page. Continued use of the website after an update constitutes acceptance of the revised terms to the extent permitted by applicable law.

GoldenStone Specialty Limited

Email: [email protected]