Terms & Conditions
1. These Terms and Conditions (these "Terms") apply to the use of YAS mobile applications ("Apps"), website ("Sites"), and the associated services ("Services") provided by YAS DIGITAL LIMITED ("YAS", "we", "us", or "our") together with:
If you do not agree to these Terms or the Privacy Policy, please do not access or otherwise use this Apps, this Sites or the Services.
References to "you" in these Terms of Service means you, your duly authorized representatives and any entity you may represent in connection with your use of the Apps, the Sites or the Services.
2. Using the Apps and the Sites
2.1 For the purposes of these Terms,
(i)"IP Rights" means any copyright, trademarks, service marks, trade names, corporate names, domain names, design rights, registered designs, database rights, semiconductor topography rights, know-how, patents, goodwill, or any similar right exercisable anywhere in the world, and all applications or rights to apply for the same (where such applications can be made), whether presently existing or created in the future, and whether registered or not, and all benefits, privileges, or rights to sue, recover damages and obtain relief for any past, current or future infringement, misappropriation or violation of any of the foregoing rights;
(ii)"Apps and Sites Content" means any data, material or information, in any format whatsoever, including (without limitation) any data files, text, computer software, images, graphics, photos, video clips, sound, audio files, directories, files, databases or listings, that are made available on or through the Apps and the Sites; and
(iii)"Third Party Content" means any Apps and Sites Content provided, uploaded, transmitted, submitted or posted by or sourced from any third party.
2.2 All rights, title, interests and IP Rights subsisting in this Apps, this Sites and the Apps and Sites Content (excluding User Content and Third Party Content) are wholly owned by YAS. All Third Party Content shall belong to the relevant third party licensor. You acknowledge and agree that we shall not be obligated (but reserve the right at our sole discretion) to actively monitor or exercise any control whatsoever over any Third Party Content. We do not endorse any Third Party Content, and make no warranties, representations or undertakings in relation to the same.
2.3 Subject to these Terms and our policies (including policies made available to you within the Services), we grant you a limited, non-transferable, non-exclusive, and revocable permission to access and use the Apps, the Sites, Apps and Sites Content and our Services, provided that:
(i) you will not copy, distribute, modify or create derivative works based on any part of the Apps, the Sites, Apps and Sites Content or the Services without our prior written authorization;
(ii) you will not use the Apps, the Sites, Apps and Sites Content or Services to send unsolicited or unauthorized advertisements, spam, chain letters, or any other communications or materials;
(iii) you will not transmit malicious code or any content which contains software viruses, or other harmful computer code, files or programs;
(iv) you will not interfere with or disrupt servers or networks connected to the Services or the access, operation or security of the Apps, the Sites or the Services;
(v) you will not use the Apps, the Sites or Services in order to impersonate another person or otherwise misrepresent an affiliation with a person or entity in a manner that does or is intended to mislead, confuse, or deceive others;
(vi) you will not use the Apps or the Sites to send, communicate, upload, or engage in any harassing, disruptive, offensive, abusive, threatening, indecent, defamatory, obscene or menacing behaviour; and
(vii) you comply with these Terms. Certain software code incorporated into or distributed with the Apps, the Sites or otherwise with the Services may be licensed by third parties under various "open-source" or "public-source" software licenses (collectively, the "OSS"). Notwithstanding anything to the contrary in these Terms, the OSS is not licensed under these Terms and instead is separately licensed pursuant to the terms and conditions of their respective open-source software licenses. You agree to comply with the terms and conditions of such open-source software license agreements.
2.4 The Apps and the Sites can be used on a mobile device running an operating system supported and specified by us from time to time, from which you can access the internet.
2.5 Updates to the Apps may be issued periodically through the supplying app store. For some devices, updates will be downloaded automatically. Depending on the update, you may not be able to use the Apps until the latest version has been downloaded.
2.6 You must be at least 18 years or over in order to use the Apps, the Sites and the Services. By using the Apps, the Sites and the Services, you represent and warrant that you are 18 years old or above. The Apps and the Sites is not intended for download or use in any jurisdiction where such download or use would be contrary to any law or regulation of such jurisdiction or where we are not licensed or authorized to provide the Apps, the Sites or Services. If we discover or suspect that a registered user is not eligible to use the Apps, the Sites or the Services, we will cancel that user's account and/or block that user from accessing the Apps, the Sites and the Services.
2.7 iPhone, iPad, iPod Touch, Touch ID and Apple are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc. Google PlayTM is a trademark of Google Inc. AndroidTM is a trademark of Google Inc.
2.8 All quotes generated by the Apps and the Sites are based upon the information that you provide. Quotations do not amount to a contract or agreement for the insurance product. To obtain the insurance product, you will need to make an application to the Insurer through the Apps or the Sites and all applications shall be subject to the approval of the Insurer. Whether your application is accepted or not is a decision for the Insurer and we cannot advise or act for you. Your insurance product will be subject to the Insurer's terms and conditions (i.e. Policy Wording). You may access the Policy Wording upon your insurance application.
2.9 All information you submit for an insurance claim is subject to review and verification. The Insurer may request additional information from you before the Insurer decides to pay your claim. Whether a claim is paid or not and the amount to be paid is a decision for the Insurer and we cannot advise or act for you. A claim representative from the Insurer may be communicating with you regarding your claim.
2.10 The Apps, the Sites or the Services may allow you to submit or request that you submit content such as text, photos, audiovisual content, and other media content ("User Content"). By uploading User Content, you are granting us a worldwide, non-exclusive, irrevocable, royalty-free license to use, publish, translate, transmit, display, disseminate, distribute, create derivative works, modify (for technical purposes) and reproduce such User Content (in whole or in part), for any purpose relating to the Apps, the Sites, the Service and/or any associated support, and/or to analyse and/or improve the Apps, the Sites, Apps and Sites Content or the Services. You agree that these rights and licenses are sub-licensable and transferable, and include a right for us to make such User Content available to, and pass these rights along to, others with whom we have contractual relationships related to the provision of the Services, solely for the purpose of providing such Services, and to otherwise permit access to or disclose your User Content to third parties if we determine such access is necessary to comply with our legal obligations.
2.11 You represent, warrant and undertake that:
(i) you have the right to grant the rights and licenses under Clause 3.9 in relation to the User Content;
(ii) the User Content (and our use or our sub-licensees' or assignees' use of the User Content pursuant to Clause 3.9) shall not infringe the rights of any third party;
(iii) the User Content shall be accurate, up-to-date and not misleading; and
(iv) the User Content shall not be illegal, defamatory, libelous, harassing, offensive, abusive, threatening, indecent or obscene. You understand and agree that you are solely responsible and liable for the User Content, and we have no responsibility or liability to any third party in relation to the User Content.
3.0 Your Responsibilities
3.1 You must comply with all applicable laws and regulations that govern your download, access and use of the Apps, the Sites and Apps and Sites Content.
3.2 You must not alter, modify, adapt, reverse-engineer, copy or reproduce all or any part of the App or the Sites.
3.3 You must not remove or tamper with any copyright notice attached to or contained within the Apps or the Sites. All ownership in the Apps and the Sites remains with us.
3.4 In order to use the Apps, the Sites or access the Services or Apps and Sites Content, you will need to create an account. You hereby represent and warrant that the information you provide to us upon registration, and at all other times (including, without limitation, any information you provide to us during the insurance application or claims process), will be true, accurate, current and complete ("Account Information"). You also hereby undertake, represent and warrant that you will ensure that this information is kept accurate and up-to-date at all times.
3.5 The Apps and the Sites is for your personal use only, and you must not use the Apps or the Sites for business or commercial or other unauthorised purposes.
4.0 Our Responsibilities and Disclaimers
4.1 While we make reasonable efforts to provide the Apps, the Sites and Services, we will not be liable for any failure to provide the Apps, the Sites, Services and/or any Apps and Sites Content, in part or in full.
4.2 The Apps and Sites Content is provided for your general reference only, and is not intended to amount to any advice on which you should rely. The Apps, the Sites, the Services and Apps and Sites Content are provided "as is" and "as available", with no representation, warranty, guarantee or agreement of any kind. We cannot guarantee that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your mobile device. We are not responsible for any loss you may incur as a result of this.
4.3 You Expressly Understand and Agree That:
(a) Your use of the Apps, the Sites, the Apps and Sites content and the services are all at your sole risk;
(b) To the maximum extent permitted by law, we expressly disclaim all warranties and conditions of any kind, whether express or implied;
(c) Any material downloaded or otherwise obtained through the use of the Apps, the Sites or the services (including, without limitation, the Apps and Sites content) is done at your own discretion and risk and you are solely responsible for any damage to your computer or other device or loss of data resulting from the download or use of any such material;
(d) You expressly understand and agree that yas, its subsidiaries, affiliates and licensors, and our and their respective officers, employees, agents and successors shall not be liable to you for any indirect, incidental, special, consequential or exemplary damages.
4.4 Without prejudice to the generality of clause 5.3, we make no representations, warranties, guarantees or undertakings as to the accuracy, quality, completeness, currentness, adequacy, availability, reliability or validity of the Apps, the Sites, any Apps content or the services, or that the Apps, the Sites, the services or Apps and Sites content will meet your requirements, be uninterrupted and free of any defects, errors, omissions or viruses, or that any defects will be rectified.
4.5 To the extent permitted by law you agree that our total liability to you for all damages and losses shall not in any circumstances exceed the greater of (a) HK$100, or (b) the aggregate of the amount (if any) paid by you in the 6 months immediately preceding bringing of a claim against us or our affiliates. Nothing in these terms is intended to exclude or limit any condition, warranty, right or liability which may not be lawfully excluded or limited.
5.0 Security
5.1 You are responsible for safeguarding the password and login details for your user account in relation to the Apps and the Sites, and are responsible for all activities that occur under your account. You must take all reasonable precautions to keep safe and prevent fraudulent use of your mobile device and security information. These precautions include:
5.2 You must not use the Apps or the Sites on any device or operating system that has been modified outside the mobile device or operating system vendor supported or warranted configurations. This includes devices that have been “jail-broken" or "rooted". A jail-broken or rooted device means one that has been freed from the limitations imposed on it by your mobile service provider and the phone manufacturer without their approval. The use of Apps on a jail-broken or rooted device may compromise security and lead to fraudulent transactions. Download and use of the Apps and the Sites in a jail-broken or rooted device is entirely at your own risk and we will not be liable for any losses or any other consequences suffered or incurred by you as a result.
5.3 You should only download Apps and its updates from official supplying app store and not from any unofficial sources.
5.4 You will be responsible for all instructions given by you or anyone acting with your authority between when you log on to the Apps or the Sites until you log off the App or the Sites.
5.5 You are responsible for making sure information shown or stored on your mobile device is kept secure.
5.6 Without prejudice to the rest of this Clause 6, if you know or suspect that someone else knows your security details, or has used or tried to use them, or if your mobile device is lost or stolen you must tell us without delay by calling us on such number as we specify from time to time.
5.7 You must delete the Apps from your mobile device if you change your mobile device or dispose of it.
6.0 Payment
6.1 We use a third party payment gateway (the “Payment Gateway”) to process your payments. The processing of payments will be subject to the terms, conditions and privacy policies of the Payment Processor, in addition to this Agreement. Our current Payment Processor is Stripe, and your payments are processed by Stripe in accordance with Stripe’s Terms of Service and Privacy Policy. We don’t control and are not liable for the security or performance of the Payment Processor. You agree to pay us, through the Payment Processor, all charges at the prices then in effect for any purchase in accordance with the applicable payment terms. You agree to make payment using the payment method you provide with your Account. We reserve the right to correct, or to instruct our Payment Processor to correct, any errors or mistakes, even if payment has already been requested or received.
7.0 General
7.1 You are free to stop using the Apps, the Sites and the Services at any time. We also reserve the right to suspend or terminate your access to and use of the Apps, the Sites, the Services and/or your user account and to remove your social posts and information, at any time and at our sole discretion, without notice.
7.2 You will grant YAS permission to request any and all information from your insurance company; You will thereafter be able to amend or optimize your insurance policy by requesting for review(s).
7.3 These Terms, together with the Privacy Policy, and any other legal notices published by us on the Services, shall constitute the entire agreement between us concerning the Apps, the Sites, Apps and Sites Content and the Services. If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and a party's failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.
7.4 The Apps or the Sites may include hyperlinks to other websites, content or resources, which are hosted, offered or provided by third parties unrelated to us. You understand and agree that we have no control over and do not monitor such third party websites, content, or resources, and we make no guarantee or warranty, and are not responsible for any such external sites, content or resources (or any products, goods or services promoted, referred to or offered on such external sites or resources). We do not endorse any websites linked to the Apps, the Sites or any advertising, products, goods, services or other materials on or available from such websites or resources.
8.0 Governing Law
8.1 These Terms are governed by and will be construed according to Hong Kong laws.
8.2 You submit to the non-exclusive jurisdiction of the Hong Kong courts but these Terms may be enforced in the Courts of any competent jurisdiction.
In case of discrepancies between the English and Chinese versions, the English version shall prevail.
Privacy Policy
This Privacy Policy sets out how YAS DIGITAL LIMITED ("YAS", "we", "us," or "our") collect, use and manage your personal data (collectively referred to as “Data”) and how it is shared with insurers ("Insurers") offering insurance on YAS’s mobile applications ("Apps") and websites ("Sites").
When we collect your personal data, our commitment to the protection and privacy of your personal data is a priority. Our Privacy Policy provides details about the management of your personal data including:
Steps we take to protect your information:
Steps you can take to protect your information.
It's still very important that you take some steps to help keep up security when you're online:
What information do we collect when you interact with us online?
The personal data we collect from you including but not limited to
Therefore you can use the Apps or the Sites to purchase insurance products from Insurers, access information about the insurance products purchased and make any claims on any insurance products ("Services").
How we collect and use personal data?
Personal data is only collected with your consent on YAS’s Apps
and Sites. When we collect Data from you, we provide you with a Personal
Information Collection Statement (PICS) during or before collection in
the same electronic form that collects the personal data. The Apps will
ask you for permission before we have access to your location.
Why and how do we use your personal data?
We will also use your personal data to administer, manage and contact
you about your account and our Services; to maintain a profile in
relation to you, including but not limited to information regarding any
purchases or claims made via the Apps or the Sites; and to provide you
with a more personalised experience in relation to our Apps, Sites and
Services.
When you use the Apps, we will use your personal data to provide the requested product or service. For example, if you make a purchase on the Apps, we will use the contact information you give us to communicate with you about the purchase. If you contact our customer service, we will use information about you, such as payment information, or the product you have purchased to help you resolve a problem or question.
Another example, if you are using RYDE with YAS on YAS MicroInsurance app to insure your rides, we will collect Data such as geographical location, speed, direction, and time and date of recording. This Data is used to track and insure your ride according to your trip start and end location. In the event of a claim, this Data will be used upon your consent to process your claim submission. Your name, mobile number, and HKID are used solely for identity verification for your insurance policy. Your payment information will be used to send claim benefits to you in the event of a successful claim.
Other purposes of collection including but not limited to performing
market research and statistical analysis to improve the Services
provided; and responding to your queries and feedback regarding the Apps
and the Sites. If you choose to post any comments or reviews regarding
any Insurer or insurance products or services via our Apps or our Sites,
you understand and agree that such comments or reviews shall be made
publicly available, but we will not post your name or any contact
details. Please refer to the Personal Information Collection Statement
for further information.
We will transfer your personal data to Insurers (who may be located inside or outside the jurisdiction in which you are located), so that the Insurers can:
(a) Process your insurance application;
(b) Arrange a contract of insurance with you and administer the policy issued;
(c) Handle, investigate and analyse claims;
(d) Design products and/or services for customers;
(e) Promote, improve and further the provision of the Insurers' products and/or services; and
(f) Comply with any legal or regulatory requirements applicable to the Insurers.
In order to enable them to carry out the above purposes, the Insurers
may transfer your personal data to their parent company, subsidiaries,
affiliates or service providers, or any reinsurers, intermediaries
(including brokers, and insurance agents), claims investigators, loss
adjustors and other professional advisors, insurance industry
association or federation and their respective members, or any other
person necessary to comply with applicable legal or regulatory
requirements, or orders issued by any competent authorities (each of
whom may be located inside or outside the jurisdiction in which you are
located).
For the purposes set out above, we may also transfer your personal data
to our own parent companies, subsidiaries and/or affiliates
("Group"), to any service provider appointed by us or any
member of our Group, or any legal or regulatory authority or court of
competent jurisdiction (in each case whether located inside or outside
the jurisdiction in which you are located).
We will ask for your consent on the use, transfer, disclosure, processing and retention of your personal data pursuant to a Personal Information Collection Statement, which will be provided to you at the time we collect your relevant personal data. We will only transfer your personal data to the Insurer(s) providing insurance products to you.
You must provide us with any personal data we indicate as being mandatory, from time to time. If you do not provide such mandatory personal data then we may not be able to provide the Services to you and/or the Insurers may not be able to provide any insurance products or services or to process any claims. All other personal data that is not indicated as being mandatory can be provided by you voluntarily.
You confirm that if you provide any personal data of other persons(s), they have consented to the provision and use of such data pursuant to the relevant Personal Information Collection Statement provided to you at the time of collection.
Firebase Crashlytics
We use a third-party issue logging service, Firebase Crashlytics to monitor the performance of our app and ease error tracing when required. Currently only your user ID on our system is passed to Firebase Crashlytics for identification purposes, while all personal data is kept within our own systems.
For more information on Firebase Crashlyics’ data handling, please consult the following link: https://firebase.google.com/terms/crashlytics-app-distribution-data-processing-terms.
Stripe
We use a third-party payment gateway, Stripe to offer payment processing. When you make a payment using Stripe, your payment data is forwarded to Stripe via an interface on our app so that the payment can be processed. Stripe may use other personal information such as your phone number and information of installed applications on your device. For details about this process, please consult Stripe’s Data Protection Policy under the following link: https://stripe.com/en-gb-hk/privacy.
Direct Marketing
Subject to your consent, we may use your personal data to send you direct marketing materials regarding our Apps, our Sites, our Services, and insurance products or services offered by any Insurer.
The Insurers may use your personal data for the purposes of direct marketing of insurance products or services and to send you promotional materials or updates of their insurance products or services.
Neither we nor the Insurers may use your personal data for direct marketing if you have indicated your objection to such use or transfer by ticking the relevant box during the registration process.
You may also at any time request that we cease to use your personal data for direct marketing by contacting us via the contact details set out below. If requested by you, we will also notify the Insurers to cease using your personal data for direct marketing, but we are not responsible for the Insurers' failure to do so. You may contact the Insurers directly to request that the Insurer cease using your personal data for direct marketing purposes, via the details and opt-out methods provided by the Insurers.
Where your personal data is stored?
Any personal data we hold about your account (including, but not limited to, your name and phone number) will be stored in our servers which are located in Singapore and Hong Kong. Any personal data collected for purchase of insurance products that are transferred to Insurers are stored by Insurers. Your credit card information will be stored in your mobile device rather than in-App or in our servers.
Use of Provided Information
YAS obtains the information you provide when you use and register the
Apps or the Sites. Registration with us is not mandatory. However,
please keep in mind that you may not be able to use some of the features
offered by the Apps or the Sites unless you are registered with
us.
We may use the information you provided us to contact you from time to
time to provide you with important information, required notices and
marketing promotions.
Information and data collected are used for the followings: monitoring use of the Application and the Website to help for further development; compiling aggregate statistics about our users to analyze usage; communicating with the user in respect of matters related to the use of the services offered; providing information related to YAS’s products, services and other privileges, benefits and advantages from time to time.
Automatically Collected Information
In addition, YAS may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device's unique device ID, the IP address of your mobile device, and information about the way you use YAS.
Please be aware that, although we endeavor to provide reasonable security for information we process and maintain, no security system can prevent all potential security breaches.
Use of Cookies
Information that is not capable of identifying you, such as the number of users visiting the Apps or the Sites, is collected through code embedded in the webpages of the Apps or the Sites. You cannot disable the code on these pages. Other information, such as browser type, is included in a 'cookie' that is sent to your mobile device when you are completing certain tasks on the Apps or the Sites. A cookie contains bits of information that enables our servers (i.e. the computers that house this Apps or this Sites) to identify and interact efficiently with your device. Cookies are designed to provide a better, more customised website experience, and to make it easier for you to use the Apps or the Sites.
Revisions to this Privacy Policy
As we evolve, we may need to update this Privacy Policy. No matter what we change, we will always maintain our commitment to protecting your privacy. We will post all revisions, along with their effective dates. We recommend that you check on our privacy policy every so often to make sure you're familiar with the latest policy. We will ask for your consent to policy changes if required by applicable law; in other cases, please note that your continued use of the Service after any change means that you agree with, and consent to be bound by, the new Privacy Policy.
General
We reserve the right to discontinue or modify any aspect of the Services at any time. This Privacy Policy, together with our Terms of Service and any other legal notices published by us on our Apps, our Site, in the Apps and in the Sites, shall constitute the entire agreement between us concerning the Services. If any provision of this Privacy Policy is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Privacy Policy, which shall remain in full force and effect, provided, however, that in such event this Privacy Policy shall be interpreted so as to give effect, to the greatest extent consistent with, and permitted by, applicable law, to the meaning and intention of the excluded provision as determined by such court of competent jurisdiction.
Access Requests and Corrections
You can request access to and correction of personal data we hold about you using the contact details below. You may also update or correct personal data on your profile at any time directly through the Apps or the Sites. If we no longer hold this data, we will pass your request to the Insurer holding such data. Any questions or requests or any complaints may be made to rylie@hk.yas.io.
In case of discrepancies between the English and Chinese versions, the English version shall prevail.
Personal Information Collection Statement
Purpose of Collection and Use by YAS DIGITAL LIMITED
YAS DIGITAL LIMITED ("YAS", "we", "us", or "our") may collect and use your personal data including your name, identification number or passport details, address, email, phone number and other contact details, date of birth, payment, credit card and bank account details, photo and policy number, information about your dependents and health records, and which we may collect when, for example, you apply for, renew or make a claim under a policy and/or you correspond with us, for the following purposes:
You must provide us with any personal data we indicate as being mandatory, from time to time. If you do not provide such mandatory personal data, we may not be able to provide the Services to you and/or the Insurers may not be able to provide any insurance products or services or to process any claims. All other personal data that is not indicated as being mandatory can be provided voluntarily.
Transfer to Insurers and Use by Insurers
We will transfer your personal data to the Insurers so that they can:
Other Transferees
Data held by the Insurers relating to you may, for the purposes set out above, transfer your personal data to:
We may also transfer your personal data for the purposes set out above to any of our own parent companies, subsidiaries and/or affiliates ("Group"), to any service provider appointed by us or any member of our Group, or any legal or regulatory authority or court of competent jurisdiction (in each case whether located inside or outside the jurisdiction in which you are located).
Marketing and Promotion by YAS
YAS may use your name, contact details, profile, previous purchase history, activity information and/or claims information collected in relation to your use of the Apps, the Sites or Services, to send you direct marketing materials relating to the Apps, the Sites and our Services.
YAS will not use your personal data for direct marketing if you have indicated objection to such use by ticking the opt-out box below.
You may also, at any time, request YAS to cease the use of your personal data for direct marketing purposes, by sending a request to the contact details set out below.
Marketing and Promotion by Insurers
The Insurers who you have purchased any products or services from via the Apps or the Sites, may use your name, contact details, profile, previous purchase history, claims information, and/or activity information collected in relation to your use of the Apps, the Sites or Services, for the purposes of sending you direct marketing materials relating to the Insurers' insurance products, services and offers and for sending you the promotional materials or updates of such products, services or offers when they become available.
You may contact the Insurers directly to request that the Insurer cease using your personal data for direct marketing purposes, via the details and opt-out methods provided by the Insurers.
Accuracy and Retention of Personal Data
By providing us with your Personal Data or that of a family member, you warrant that such data is true and accurate, and undertake to notify us as soon as practicable of any change or alteration to the same. Any loss or damage caused to the Services or to the person responsible for the Services or to any third person through the provision of erroneous, inexact or incomplete information will be your exclusive and absolute responsibility. When you give us Personal Data about another person (or persons) such as a family member, you should have the authority to act on such person’s behalf (whether by appointment or by law in your capacity as legal guardian). This includes providing consent to our processing of their Personal Data. If for any reason you are concerned as to whether you are permitted to provide us with another person’s information, please contact us at the email address listed below before sending us anything.
All Personal Data that has been collected from you will only be stored for a duration that is relevant to the purpose for which it was processed and for as long as permissible by applicable law(s).
We will only retain your Personal Data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your Personal Data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.
You have the right to request access to and correction of your Personal Data as held by us. You may update or correct personal data on your profile at any time directly through the Apps or the Sites. You may also contact us at rylie@hk.yas.io at any time if you wish to correct, amend or update your personal data. We aim to acknowledge and act upon your request promptly. To help us respond in the most timely and appropriate way, please be as specific as possible in your request or inquiry.
Acceptance of PICS and Opting-In of Direct Marketing
By clicking "accept", you indicate:
(i) your agreement to this PICS; and
(ii) your consent to the use of your personal data for direct marketing purposes in accordance with the above, unless you have ticked the relevant opt-out box below indicating that you object to such use.
In case of discrepancies between the English and Chinese versions, the English version shall prevail.
條款及細則
1. 本條款及細則（本「條款」）適用於使用由YAS數碼有限公司（「YAS」、「我們」、「吾等」或「吾我」）提供之YAS移動應用程式（「應用程式」）、網站（「網站」）及相關服務（「服務」）：
如閣下不同意本條款或私隱政策，請勿存取或使用本應用程式、本網站或服務。
本條款及細則中提及「閣下」，指閣下、閣下之正式授權代表及閣下於使用應用程式、網站或服務時可能代表之任何實體。
2. 使用應用程式及網站
2.1 就本條款而言，
(i)「知識產權」指任何版權、商標、服務標誌、商號、公司名稱、域名、設計權、註冊設計、數據庫權、半導體拓撲權、專有技術、專利、商譽，或任何類似權利，在世界任何地方行使，以及所有申請或申請權（若可申請），無論現存或未來創建，無論註冊與否，以及所有利益、特權或權利，以起訴、追討損害賠償及獲得救濟，以針對過去、現在或未來之任何侵犯、誤用或違反上述任何權利；
(ii)「應用程式及網站內容」指以任何格式之任何數據、材料或資訊，包括（不限於）任何數據檔案、文字、電腦軟件、圖像、圖形、照片、影片剪輯、聲音、音頻檔案、目錄、檔案、數據庫或清單，在應用程式及網站上或透過應用程式及網站提供；及
(iii)「第三方內容」指由任何第三方提供、上載、傳輸、提交或張貼或來自任何第三方之應用程式及網站內容。
2.2 本應用程式、本網站及應用程式及網站內容（不包括用戶內容及第三方內容）之所有權利、所有權、利益及知識產權，完全由YAS擁有。所有第三方內容屬於相關第三方許可人。閣下承認並同意，吾我無義務（但保留吾我自行酌情之權利）主動監控或對任何第三方內容行使任何控制。吾我不認可任何第三方內容，並對其不作任何保證、陳述或承諾。
2.3 在遵守本條款及吾我政策（包括服務內提供給閣下之政策）之情況下，吾我授予閣下有限、不可轉讓、非專屬及可撤銷之許可，以存取及使用應用程式、網站、應用程式及網站內容及吾我服務，前提為：
(i) 閣下不會在未經吾我事先書面授權之情況下，複製、分發、修改或基於應用程式、網站、應用程式及網站內容或服務之任何部分創作衍生作品；
(ii) 閣下不會使用應用程式、網站、應用程式及網站內容或服務發送未經請求或未經授權之廣告、垃圾郵件、連鎖信，或任何其他通訊或材料；
(iii) 閣下不會傳輸惡意代碼或任何包含軟件病毒或其他有害電腦代碼、檔案或程式之內容；
(iv) 閣下不會干擾或破壞連接服務之伺服器或網絡，或應用程式、網站或服務之存取、操作或安全；
(v) 閣下不會使用應用程式、網站或服務冒充他人或以誤導、混淆或欺騙他人之方式誤傳與他人或實體之關係；
(vi) 閣下不會使用應用程式或網站發送、通訊、上載或從事任何騷擾、破壞、冒犯、濫用、威脅、不雅、誹謗、淫穢或恐嚇行為；及
(vii) 閣下遵守本條款。整合或隨應用程式、網站或服務分發之某些軟件代碼，可能由第三方根據各種「開源」或「公共源」軟件許可（統稱「開源軟件」）許可。儘管本條款有相反規定，開源軟件不根據本條款許可，而是根據其各自開源軟件許可之條款及條件單獨許可。閣下同意遵守此類開源軟件許可協議之條款及條件。
2.4 應用程式及網站可在運行吾我不時指定及支援之操作系統之移動設備上使用，閣下可透過該設備存取互聯網。
2.5 應用程式之更新可能透過供應應用程式商店定期發佈。對於某些設備，更新將自動下載。視更新而定，閣下可能需下載最新版本方可使用應用程式。
2.6 閣下須年滿18歲方可使用應用程式、網站及服務。使用應用程式、網站及服務時，閣下表明及保證閣下年滿18歲。應用程式及網站不適用於下載或使用將違反任何司法管轄區法律或規例之司法管轄區，或吾我未獲許可或授權提供應用程式、網站或服務之司法管轄區。如吾我發現或懷疑註冊用戶不符合使用應用程式、網站或服務資格，吾我將取消該用戶帳戶及/或禁止該用戶存取應用程式、網站及服務。
2.7 iPhone、iPad、iPod Touch、Touch ID及Apple為Apple Inc.於美國及其他國家註冊之商標。App Store為Apple Inc.之服務標誌。Google PlayTM為Google Inc.之商標。AndroidTM為Google Inc.之商標。
2.8 應用程式及網站產生之所有報價均基於閣下提供之資訊。報價不構成保險產品之合約或協議。要取得保險產品，閣下須透過應用程式或網站向保險公司申請，所有申請均須經保險公司批准。閣下之申請是否獲接受為保險公司之決定，吾我無法為閣下提供意見或代表閣下行事。閣下之保險產品受保險公司條款及細則（即保單條款）規管。閣下可在保險申請時存取保單條款。
2.9 閣下提交之所有保險索償資訊均須經審查及核實。保險公司可能在決定支付索償前向閣下要求額外資訊。索償是否獲支付及支付金額為保險公司之決定，吾我無法為閣下提供意見或代表閣下行事。保險公司之索償代表可能與閣下聯絡有關閣下之索償。
2.10 應用程式、網站或服務可能允許閣下提交或要求閣下提交內容，如文字、照片、視聽內容及其他媒體內容（「用戶內容」）。上載用戶內容時，閣下授予吾我全球、非專屬、不可撤銷、免版稅許可，以使用、發布、翻譯、傳輸、顯示、傳播、分發、創作衍生作品、修改（技術目的）及複製該用戶內容（全部或部分），用於與應用程式、網站、服務及/或任何相關支援有關之任何目的，以及/或分析及/或改善應用程式、網站、應用程式及網站內容或服務。閣下同意此類權利及許可可轉授及可轉讓，並包括吾我將該用戶內容提供給與吾我有合約關係之他人之權利，僅用於提供該等服務之目的，以及在吾我確定此類存取有必要遵守吾我法律義務之情況下，允許他人存取或披露閣下用戶內容。
2.11 閣下表明、保證及承諾：
(i) 閣下有權根據第3.9條授予有關用戶內容之權利及許可；
(ii) 用戶內容（及吾我或吾我轉授人或受讓人根據第3.9條使用用戶內容）不會侵犯任何第三方權利；
(iii) 用戶內容將準確、最新且不具誤導性；及
(iv) 用戶內容不會非法、誹謗、誣衊、騷擾、冒犯、濫用、威脅、不雅或淫穢。閣下明白並同意，閣下對用戶內容負全責及責任，吾我對用戶內容對任何第三方無任何責任或義務。
3.0 閣下之責任
3.1 閣下須遵守管轄閣下下載、存取及使用應用程式、網站及應用程式及網站內容之所有適用法律及規例。
3.2 閣下不得更改、修改、調整、逆向工程、複製或複製應用程式或網站之全部或任何部分。
3.3 閣下不得移除或篡改附加或包含於應用程式或網站內之任何版權通知。應用程式及網站之所有權仍屬吾我。
3.4 要使用應用程式、網站或存取服務或應用程式及網站內容，閣下需創建帳戶。閣下在此表明及保證閣下於註冊時及所有其他時間（包括但不限於保險申請或索償過程期間向吾我提供之任何資訊）提供給吾我之資訊將真實、準確、最新及完整（「帳戶資訊」）。閣下亦在此承諾、表明及保證閣下將確保此資訊始終準確及最新。
3.5 應用程式及網站僅供閣下個人使用，閣下不得將應用程式或網站用於商業或商業或其他未經授權之目的。
4.0 吾我之責任及免責聲明
4.1 雖然吾我盡合理努力提供應用程式、網站及服務，但吾我對無法全部或部分提供應用程式、網站、服務及/或任何應用程式及網站內容不承擔責任。
4.2 應用程式及網站內容僅供閣下一般參考，並非意圖成為閣下應依賴之任何意見。應用程式、網站、服務及應用程式及網站內容按「現狀」及「可用」狀態提供，無任何種類之陳述、保證、保證或協議。吾我無法保證不會傳輸病毒或其他污染或破壞性屬性，或閣下移動設備不會受損。吾我對因此導致之任何損失不承擔責任。
4.3 閣下明確明白並同意：
(a) 閣下使用應用程式、網站、應用程式及網站內容及服務均由閣下自行承擔風險；
(b) 在法律允許之最大範圍內，吾我明確免除所有種類之保證及條件，無論明示或默示；
(c) 透過使用應用程式、網站或服務下載或以其他方式取得之任何材料（包括但不限於應用程式及網站內容）由閣下自行酌情及風險進行，閣下對電腦或其他設備受損或數據丟失負全責；
(d) 閣下明確明白並同意yas、其子公司、附屬公司及許可人，以及吾我及彼等各自之高級職員、員工、代理及繼承人，對閣下不會承擔任何間接、附帶、特殊、結果性或懲戒性損害。
4.4 在不影響第5.3條一般性之情況下，吾我對應用程式、網站、任何應用程式內容或服務之準確性、質量、完整性、時效性、充分性、可用性、可靠性或有效性，或應用程式、網站、服務或應用程式及網站內容將符合閣下要求、無中斷及無任何缺陷、錯誤、遺漏或病毒，或任何缺陷將獲修正，不作任何陳述、保證、保證或承諾。
4.5 在法律允許範圍內，閣下同意吾我對閣下所有損害及損失之總責任，在任何情況下不得超過(a) 港幣100元，或(b) 閣下在提出對吾我或吾我附屬公司索償前6個月內支付之金額總和（若有）。本條款中無任何內容意圖排除或限制任何不可合法排除或限制之條件、保證、權利或責任。
5.0 保安
5.1 閣下負責保障有關應用程式及網站之用戶帳戶密碼及登入詳情，並對帳戶下發生之所有活動負責。閣下須採取所有合理預防措施，以保障及防止閣下移動設備及保安資訊之欺詐使用。此類預防措施包括：
5.2 閣下不得在移動設備或操作系統供應商支援或保證配置以外修改之任何設備或操作系統上使用應用程式或網站。此包括「越獄」或「根」設備。越獄或根設備指未經閣下移動服務供應商及電話製造商批准，即解除其強加之限制。在越獄或根設備上下載及使用應用程式及網站完全由閣下自行承擔風險，吾我對閣下因此遭受或產生之任何損失或其他後果不承擔責任。
5.3 閣下應僅從官方供應應用程式商店下載應用程式及其更新，而非從任何非官方來源。
5.4 從閣下登入應用程式或網站直至閣下登出應用程式或網站，閣下或經閣下授權之人給予之所有指示，閣下均負責。
5.5 閣下負責確保顯示或儲存於閣下移動設備上之資訊保持安全。
5.6 在不影響本第6條其餘部分之情況下，如閣下知悉或懷疑他人知悉閣下之保安詳情，或他人已使用或試圖使用其，或閣下之移動設備丟失或被盜，閣下須立即透過吾我不時指定之電話號碼通知吾我。
5.7 如閣下更換移動設備或處置之，閣下須從閣下之移動設備刪除應用程式。
6.0 付款
6.1 吾我使用第三方付款閘道（「付款閘道」）處理閣下之付款。付款處理將受付款處理商之條款、條件及私隱政策規管，連同本協議。吾我現時之付款處理商為Stripe，閣下之付款由Stripe根據Stripe之服務條款及私隱政策處理。吾我無法控制付款處理商之保安或表現，亦不對其負責。閣下同意透過付款處理商向吾我支付所有當時生效價格之收費，根據適用付款條款。閣下同意使用閣下帳戶提供之付款方式付款。吾我保留修正或指示付款處理商修正任何錯誤或失誤之權利，即使已請求或收到付款。
7.0 一般
7.1 閣下可隨時停止使用應用程式、網站及服務。吾我亦保留隨時及自行酌情，無需通知，暫停或終止閣下存取及使用應用程式、網站、服務及/或閣下用戶帳戶之權利，並移除閣下之社交貼文及資訊。
7.2 閣下授予YAS許可，要求從閣下之保險公司索取任何及所有資訊；其後，閣下可透過要求審查來修改或優化閣下之保險單。
7.3 本條款，連同私隱政策及吾我於服務上發布之任何其他法律通知，構成吾我有關應用程式、網站、應用程式及網站內容及服務之完整協議。如任何法院認定本條款之任何規定無效，該規定之無效不會影響本條款其餘規定之有效性，其餘規定將繼續完全生效。對本條款任何條款之任何豁免，不得視為對該條款或任何其他條款之進一步或持續豁免，一方未能主張本條款下之任何權利或規定，不構成對該權利或規定之豁免。
7.4 應用程式或網站可能包括連接到其他網站、內容或資源之超連結，該等由與吾我無關之第三方託管、提供或供應。閣下明白並同意，吾我無法控制及不監控該等第三方網站、內容或資源，並對該等外部網站、內容或資源（或該等外部網站或資源上推廣、提及或提供之任何產品、貨品或服務）不作任何保證或保證，亦不負責。吾我不認可連接到應用程式、網站之任何網站，或該等網站或資源上或可得之任何廣告、產品、貨品、服務或其他材料。
8.0 適用法律
8.1 本條款受香港法律管轄及詮釋。
8.2 閣下服從香港法院之非專屬管轄權，但本條款可在任何有管轄權之法院執行。
如英文及中文版本有任何不符，以英文版本為準。
私隱政策
本私隱政策闡述YAS數碼有限公司（「YAS」、「我們」、「吾等」或「吾我」）如何收集、使用及管理閣下之個人資料（統稱「資料」），以及如何與於YAS之移動應用程式（「應用程式」）及網站（「網站」）提供保險之保險公司（「保險公司」）分享。
當吾我收集閣下之個人資料時，吾我對保護及私隱閣下個人資料之承諾為優先事項。本私隱政策提供有關管理閣下個人資料之詳情，包括：
吾我採取之保護閣下資訊之步驟：
閣下可採取之保護閣下資訊之步驟。
閣下在線上時，採取一些步驟以維持保安仍非常重要：
閣下在線上與吾我互動時，吾我收集何種資訊？
吾我從閣下收集之個人資料，包括但不限於
因此，閣下可使用應用程式或網站從保險公司購買保險產品，存取有關已購買保險產品之資訊，並對任何保險產品作出索償（「服務」）。
吾我如何收集及使用個人資料？
僅在閣下同意之情況下，於YAS之應用程式及網站收集個人資料。當吾我從閣下收集資料時，吾我會在收集個人資料之同一電子形式中或之前提供個人資料收集聲明（PICS）。應用程式會在吾我存取閣下位置前要求閣下許可。
吾我為何及如何使用閣下之個人資料？
吾我亦將使用閣下之個人資料管理、管理及聯絡閣下有關閣下帳戶及吾我服務；維持有關閣下之個人檔案，包括但不限於透過應用程式或網站作出之任何購買或索償之資訊；以及為閣下提供更個人化之應用程式、網站及服務體驗。
當閣下使用應用程式時，吾我將使用閣下之個人資料提供所要求之產品或服務。 例如，如閣下在應用程式上作出購買，吾我將使用閣下提供之聯絡資訊與閣下通訊有關該購買。如閣下聯絡吾我客戶服務，吾我將使用有關閣下之資訊，如付款資訊或閣下已購買之產品，以幫助閣下解決問題或疑問。
另一例子，如閣下使用RYDE與YAS於YAS微型保險應用程式保險閣下之乘車，吾我將收集資料，如地理位置、速度、方向及記錄時間及日期。此資料用於根據閣下行程開始及結束位置追蹤及保險閣下之乘車。在索償情況下，此資料將在閣下同意下用於處理閣下之索償提交。 閣下姓名、流動電話號碼及香港身份證用於閣下保險單之身份驗證。閣下之付款資訊將在成功索償時用於向閣下發送索償利益。
其他收集目的，包括但不限於進行市場研究及統計分析以改善提供之服務；以及回應閣下有關應用程式及網站之查詢及回饋。如閣下選擇透過吾我應用程式或吾我網站張貼有關任何保險公司或保險產品或服務之評論或評價，閣下明白並同意該等評論或評價將公開，但吾我不會張貼閣下姓名或任何聯絡詳情。請參閱個人資料收集聲明以獲取更多資訊。
吾我將將閣下之個人資料轉移至保險公司（可能位於閣下所在司法管轄區內或以外），以便保險公司：
(a) 處理閣下之保險申請；
(b) 與閣下安排保險合約並管理發出之保單；
(c) 處理、調查及分析索償；
(d) 為客戶設計產品及/或服務；
(e) 推廣、改善及進一步提供保險公司之產品及/或服務；及
(f) 遵守適用於 保險公司之任何法律或監管要求。
為使彼等能進行上述目的，保險公司可能將閣下之個人資料轉移至其母公司、子公司、附屬公司或服務供應商，或任何再保險人、中介人（包括經紀及保險代理）、索償調查員、損失調整員及其他專業顧問、保險行業協會或聯盟及其各自成員，或任何其他必要遵守適用法律或監管要求之人，或任何主管當局發出之命令（每一方可能位於閣下所在司法管轄區內或以外）。
為上述目的，吾我亦可能將閣下之個人資料轉移至吾我自身之母公司、子公司及/或附屬公司
（「集團」），至吾我或吾我集團任何成員委任之任何服務供應商，或任何法律或監管當局或有管轄權之法院（每一方無論位於閣下所在司法管轄區內或以外）。
吾我將根據個人資料收集聲明，要求閣下同意使用、轉移、披露、處理及保留閣下之個人資料，該聲明將在吾我收集閣下相關個人資料時提供給閣下。吾我僅將閣下之個人資料轉移至向閣下提供保險產品之保險公司。
閣下須向吾我提供吾我不時指明為強制性之任何個人資料。如閣下未提供該等強制性個人資料，則吾我可能無法向閣下提供服務及/或保險公司可能無法提供任何保險產品或服務或處理任何索償。所有未指明為強制性之其他個人資料可由閣下自願提供。
閣下確認，如閣下提供任何其他人（們）之個人資料，彼等已同意根據收集時提供給閣下之相關個人資料收集聲明之提供及使用該等資料。
Firebase Crashlytics
吾我使用第三方問題記錄服務Firebase Crashlytics，以監控吾我應用程式之表現及在需要時簡化錯誤追蹤。目前，僅將閣下於吾我系統上之用戶ID傳遞至Firebase Crashlytics用於識別目的，而所有個人資料保留於吾我自身系統內。
有關Firebase Crashlytics之資料處理之更多資訊，請參閱以下連結： https://firebase.google.com/terms/crashlytics-app-distribution-data-processing-terms。
Stripe
吾我使用第三方付款閘道Stripe提供付款處理。當閣下使用Stripe付款時，閣下之付款資料透過吾我應用程式上之介面轉發至Stripe，以便處理付款。Stripe可能使用其他個人資訊，如閣下電話號碼及閣下設備上安裝之應用程式資訊。有關此過程之詳情，請參閱Stripe之資料保護政策，於以下連結： https://stripe.com/en-gb-hk/privacy。
直接營銷
在閣下同意之情況下，吾我可能使用閣下之個人資料向閣下發送有關吾我應用程式、吾我網站、吾我服務及任何保險公司提供之保險產品或服務之直接營銷材料。
保險公司可能使用閣下之個人資料用於直接營銷保險產品或服務，並向閣下發送彼等保險產品或服務之推廣材料或更新。
如閣下在註冊過程期間勾選相關方框表示反對，則吾我及保險公司均不得使用閣下之個人資料用於直接營銷。
閣下亦可在任何時間透過以下聯絡詳情聯絡吾我，要求吾我停止使用閣下之個人資料用於直接營銷。如閣下要求，吾我將通知保險公司停止使用閣下之個人資料用於直接營銷，但吾我對保險公司未能如此不承擔責任。閣下可直接聯絡保險公司，要求保險公司停止使用閣下之個人資料用於直接營銷目的，透過保險公司提供之詳情及退出方法。
閣下之個人資料儲存何處？
吾我持有之有關閣下帳戶之任何個人資料（包括但不限於閣下姓名及電話號碼）將儲存於位於新加坡及香港之吾我伺服器上。轉移至保險公司用於購買保險產品之任何個人資料由保險公司儲存。閣下之信用卡資訊將儲存於閣下移動設備上，而非應用程式內或吾我伺服器上。
提供資訊之使用
YAS於閣下使用及註冊應用程式或網站時取得閣下提供之資訊。向吾我註冊並非強制性。然而，請記住，如閣下未向吾我註冊，閣下可能無法使用應用程式或網站提供之某些功能。
吾我可能不時使用閣下提供給吾我之資訊聯絡閣下，向閣下提供重要資訊、所需通知及營銷推廣。
收集之資訊及資料用於以下：監控應用程式及網站之使用，以幫助進一步發展；彙編有關吾我用戶之聚合統計，以分析使用；與用戶通訊有關使用提供之服務之事宜；提供有關 YAS之產品、服務及其他特權、利益及優勢之資訊，不時。
自動收集資訊
此外，YAS可能自動收集某些資訊，包括但不限於閣下使用之移動設備類型、閣下移動設備之獨特設備ID、閣下移動設備之IP地址，以及有關閣下使用YAS之方式之資訊。
請注意，雖然吾我致力於為吾我處理及維護之資訊提供合理保安，但無任何保安系統可防止所有潛在保安漏洞。
Cookie之使用
無法識別閣下之資訊，如造訪應用程式或網站之用戶數，透過嵌入應用程式或網站網頁之代碼收集。閣下無法停用該等頁面之代碼。其他資訊，如瀏覽器類型，包含於當閣下在應用程式或網站完成某些任務時發送至閣下移動設備之「Cookie」中。Cookie包含使吾我伺服器（即存放此應用程式或此網站之電腦）有效識別及與閣下設備互動之資訊位元。Cookie旨在提供更好、更自訂之網站體驗，並使閣下更容易使用應用程式或網站。
本私隱政策之修訂
隨著吾我發展，吾我可能需更新本私隱政策。無論吾我作何改變，吾我將始終維持保護閣下私隱之承諾。吾我將張貼所有修訂，連同其生效日期。吾我建議閣下不時檢查吾我私隱政策，以確保閣下熟悉最新政策。如適用法律要求，吾我將要求閣下同意政策改變；在其他情況下，請注意，閣下在任何改變後繼續使用服務，即表示閣下同意並同意受新私隱政策約束。
一般
吾我保留隨時停用或修改服務之任何方面之權利。本私隱政策，連同吾我服務條款及吾我於吾我應用程式、吾我網站、在應用程式及網站中發布之任何其他法律通知，構成吾我有關服務之完整協議。如任何主管法院認定本私隱政策之任何規定無效，該規定之無效不會影響本私隱政策其餘規定之有效性，其餘規定將繼續完全生效，但在此情況下，本私隱政策將被詮釋為在與適用法律一致及允許之最大範圍內，給予被排除規定之意圖及意義，以由該主管法院確定。
存取請求及修正
閣下可使用以下聯絡詳情要求存取及修正吾我持有之有關閣下之個人資料。閣下亦可在任何時間透過應用程式或網站直接更新或修正閣下個人檔案上之個人資料。如吾我不再持有此資料，吾我將將閣下之請求轉交持有該資料之保險公司。任何問題、請求或任何投訴可發送至rylie@hk.yas.io。
如英文及中文版本有任何不符，以英文版本為準。
個人資料收集聲明
YAS數碼有限公司收集及使用之目的
YAS數碼有限公司（「YAS」、「我們」、「吾等」或「吾我」）可能收集及使用閣下之個人資料，包括閣下姓名、身份證號碼或護照詳情、地址、電郵、電話號碼及其他聯絡詳情、出生日期、付款、信用卡及銀行帳戶詳情、照片及保單號碼、有關閣下受養人及健康記錄之資訊，以及吾我可能在例如閣下申請、續保或根據保單作出索償及/或閣下與吾我通信時收集之資料，用於以下目的：
閣下須向吾我提供吾我不時指明為強制性之任何個人資料。如閣下未提供該等強制性個人資料，則吾我可能無法向閣下提供服務及/或保險公司可能無法提供任何保險產品或服務或處理任何索償。所有未指明為強制性之其他個人資料可由閣下自願提供。
轉移至保險公司及保險公司之使用
吾我將將閣下之個人資料轉移至保險公司，以便彼等：
其他受讓人
保險公司持有之有關閣下之資料，可能為上述目的，將閣下之個人資料轉移至：
吾我亦可能為上述目的，將閣下之個人資料轉移至吾我自身之任何母公司、子公司及/或附屬公司 （「集團」），至吾我或吾我集團任何成員委任之任何服務供應商，或任何法律或監管當局或有管轄權之法院（每一方無論位於閣下所在司法管轄區內或以外）。
YAS之營銷及推廣
YAS可能使用閣下姓名、聯絡詳情、個人檔案、先前購買歷史、活動資訊及/或有關閣下使用應用程式、網站或服務之索償資訊，向閣下發送有關應用程式、網站及吾我服務之直接營銷材料。
如閣下勾選以下退出方框表示反對，YAS不會使用閣下之個人資料用於直接營銷。
閣下亦可在任何時間，透過發送請求至以下聯絡詳情，要求YAS停止使用閣下之個人資料用於直接營銷目的。
保險公司之營銷及推廣
透過應用程式或網站從其購買任何產品或服務之保險公司，可能使用閣下姓名、聯絡詳情、個人檔案、先前購買歷史、索償資訊及/或有關閣下使用應用程式、網站或服務之活動資訊，用於向閣下發送有關保險公司之保險產品、服務及優惠之直接營銷材料，以及在該等產品、服務或優惠可用時，向閣下發送推廣材料或更新。
閣下可直接聯絡保險公司，要求保險公司停止使用閣下之個人資料用於直接營銷目的，透過保險公司提供之詳情及退出方法。
個人資料之準確性及保留
透過向吾我提供閣下或家庭成員之個人資料，閣下保證該等資料真實及準確，並承諾盡快通知吾我任何改變或修改。透過提供錯誤、不準確或不完整資訊導致之對服務或負責服務之人或任何第三人之任何損失或損害，將為閣下之獨家及絕對責任。 當閣下向吾我提供另一人（或多人）之個人資料，如家庭成員時，閣下應有權代表該等人行事（無論透過委任或作為法定監護人之法律身份）。 這包括提供同意吾我處理彼等個人資料。如閣下對是否獲准向吾我提供另一人資訊有任何疑慮，請在發送任何東西前聯絡以下電郵地址。
從閣下收集之所有個人資料僅將儲存於與其處理目的相關之期間內，以及適用法律允許之最長期間。
吾我僅將保留閣下之個人資料直至合理必要以履行吾我收集其之目的，包括滿足任何法律、監管、稅務、會計或報告要求之目的。 如有投訴或吾我合理相信有關吾我與閣下關係之訴訟可能性，吾我可能保留閣下之個人資料較長期間。
閣下有權要求存取及修正吾我持有之閣下個人資料。 閣下可在任何時間透過應用程式或網站直接更新或修正閣下個人檔案上之個人資料。如閣下希望修正、修改或更新閣下之個人資料，閣下亦可在任何時間聯絡rylie@hk.yas.io。 吾我旨在及時承認及處理閣下之請求。 為幫助吾我以最及時及適當之方式回應，請在閣下之請求或查詢中盡可能具體。
接受PICS及直接營銷之選擇加入
點擊「接受」，閣下表示：
(i) 閣下同意本PICS；及
(ii) 閣下同意根據上述使用閣下之個人資料用於直接營銷目的，除非閣下勾選以下相關退出方框表示反對該等使用。
如英文及中文版本有任何不符，以英文版本為準。
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