These terms of use (“Terms”) govern your use of www.onedegree.hk, as well as the other websites (each a “Website” and together the “Websites”), and mobile apps (each a “Mobile App” and together the “Mobile Apps”) (collectively "Sites") that link to these Terms and are operated by OneDegree Hong Kong Limited (“OneDegree”), and its affiliates, (collectively “OneDegree” or “we” or “us” or “our”).  

By continuing to use the Sites, you unconditionally acknowledge and agree to the Terms. If you do not agree with any Terms, you should immediately stop using the Sites. Moreover, OneDegree reserves the right to suspend or terminate your use of the Sites and your personal account (“Account”) in case of reasonable suspicion of a breach of the Terms without prior notice. 

OneDegree reserves the right to amend, modify, or replace any of the Terms from time to time. The latest version of the Terms will be posted on the Sites and become effective immediately upon posting. By continuing to access and use the Sites, you unconditionally acknowledge and agree to the latest version of the Terms.  

Certain services, contents and functions of the Sites are only available to registered OneDegree’s member (each a ’’Member” and together the “Members”) under OneDegree’s membership scheme (“each a ‘’Membership” and together the ‘’Memberships’’). The Membership is designed to offer exclusive benefits and privileges to our valued Members.  

For more information on Membership details and relevant terms & conditions, please visit OneDegree’s website at www.onedegree.hk/en-us/membership. 

  1.General Terms

a) You may register to become a Member with your email address, or with your Google or Facebook credentials.  

b) You are responsible for providing an email address that is valid for receiving Verification code for login purpose and for notifying us of any change of your email address from time to time. 

c) You shall be solely and entirely responsible for maintaining the confidentiality of the login information and any other information in respect of your Account and responsible for all activities that occur in connection with the Account. In no event shall OneDegree be responsible or liable for any loss or damage in relation to the unauthorized use of the Account by any person.

d) You agree to immediately notify OneDegree of any unauthorized use of the Accounts or any other breach of security with respect to your use of the services.   

e) Registration of Account may be refused by OneDegree at its sole and absolute discretion, and you agree that OneDegree is under no obligation to send you any alert, notice or explanation regarding OneDegree’s rejection of registration of Account.

f) OneDegree reserves the rights to deactivate or cancel any Account at any time as it deems necessary.

g) The information that you provided to OneDegree for registering as Member will be dealt with in accordance with OneDegree’s Privacy Policy, and OneDegree strongly recommends you to read the said OneDegree’s Privacy Policy prior to registration as the terms stated therein are binding upon you.

2.Login

a) Activities Tracking

When you login the Account using social media accounts, such as Apple, Facebook, or Google, please be aware that these third-party services may track your activities on the Sites. This can include collecting information about your interactions, preferences, and usage patterns. Their tracking is governed by their respective privacy policies and terms of service. Information collected by these third-party services may be used for various purposes, including personalized advertising, analytics, and service improvements. OneDegree does not control how these third parties use your data.  

OneDegree is not responsible for any data collection, usage, or tracking practices employed by Apple, Facebook, or Google when you log into your Account. You are encouraged to review their privacy policies and terms of service to understand their data handling practices. By choosing to log in the Account with third-party social media accounts, you acknowledge and accept the potential tracking of your activities. You are responsible for understanding and managing your privacy settings on these third-party platforms. For instructions concerning deletion of your activities on Facebook, please refer to “How do you delete your activities for OneDegree's Facebook login app? ” in our FAQ. 

 b) Specific Terms for Using Apple Login with Hidden Email

When you choose to log in to your Account using the "Sign in with Apple" feature and select the option to hide your email address:

• You acknowledge that due to the nature of using a hidden email address, OneDegree will not have record of your email address associated with your Apple Login and (we will send you emails through the encrypted email address provided by Apple. In some cases, this encrypted email may fail to work and you may not receive emails from OneDegree, including but not limited to transaction records, notifications, updates, promotional offers, and service announcements. It is your responsibility to ensure that you monitor your email address associated with your Apple Login to ensure you receive emails from OneDegree. OneDegree shall not be held liable for any consequences or damages arising from the use of a hidden email address, including but not limited to, those resulting from missed emails, delayed emails, or leakage of emails. If you find that you are not receiving emails from OneDegree, please contact OneDegree's customer service for assistance. 
• If you attempt to purchase an insurance policy through the Account logged in with a hidden email address, a pop-up will guide you to log in with your actual email address to finalize the purchase. OneDegree shall not be held liable for any issues,  or discrepancies or loss of best offers that arise from using a hidden email address during the purchase process, including but not limited to loss of promotional discount, inability to purchase insurance policies, or any other relevant resultant consequences.

3. Mobile App Usage

a) If you are a Policyholder of OneDegree, you may login to our Mobile App with the credentials of your existing Account.  

b) If you are not yet a Policyholder and when you open an Account for the first time through our Mobile App, a new Account will be created in OneDegree’s database.  All data concerning your Mobile App usage will be stored in the Mobile App, except that your login email address will be also be stored in OneDegree’s backend database for the purpose of registering a unique account.    

c) Once you have become a Policyholder of OneDegree (whether before or after your usage of the Mobile App), your registered name on the Mobile App will be the same as the name shown on your OneDegree insurance policy and this registered name cannot be changed.  

d) You must not select a username that violates any person’s rights or one that in OneDegree’s opinion is offensive, improper or inappropriate. If you do so, OneDegree reserves the right to modify or delete the username and/or terminate your Account. In any event OneDegree shall not be liable in any way for any improper use of a username by you. 

e) You may delete the Mobile App at any time. The deletion will not impact your Account and data stored in your Account.  

f) You may request cessation to be a Member on the Mobile App at any time. After such instruction is carried out, you will not be able to retrieve any data or information stored in the Mobile App. However, your login email will remain in OneDegree’s backend database. This data will be retained for as long as necessary to fulfill essential purposes and comply with legal requirements.   

1.Consent for Credit Card Information Storage

a) With your express consent, OneDegree may save your credit card information to the Account when you enter such information for the first time and may automatically fill in relevant information in your future purchases. You may be asked whether you would like to save your credit card information each time you enter new credit card information. 

b) By consenting to the credit card information storage service, you agree that OneDegree may share information regarding your device, payment, location, and account with Stripe. To understand more about how OneDegree may handle your personal data, please refer to OneDegree’s  Personal Information Collection Statement. Stripe's privacy policy may differ from that of OneDegree. All failures, errors or omissions of the payment gateway shall be solely on Stripe. OneDegree is not responsible for any dispute that you may have with Stripe for any wrongdoing of the payment gateway.

2.Consent for Handling Credit Card Information by Stripe

a) OneDegree has adopted Stripe as the payment gateway service provider. By purchasing on OneDegree’s website, you give consent to OneDegree and Stripe to update your card information in accordance with Stripe’s terms and conditions.  

b) When your card issuing bank notifies Stripe directly about an updated card, Stripe may replace the old details such as the old expiration date or card number with the new details. In addition, if your card was saved to Stripe before it expired, it may continue to be charged after its expiration date. The decision to allow the charge to go through is entirely up to your issuing bank, and which may permit these charges to avoid unnecessary disruptions for the customer. 
OneDegree is not responsible for any dispute that you may have with Stripe for any wrongdoing of the card update.   

3.Deletion of Credit Card Information

With your express consent, OneDegree may delete your credit card information from the Account. As part of the authorization you provided to OneDegree, your credit card information will also be removed from Stripe.  

4.Account Access by Others 

If you allow others to log into the Account, it will be considered as an authorization for them to use the stored credit card information in the Account. Therefore, unauthorized transaction terms will not apply. 

5.One-Time Password for Account Access

OneDegree will send you a one-time password to your registered email address for you to log into the Account. If you consent to storing credit card information in the Account, you are responsible for ensuring that: 
a) You do not share your email address with others, meaning it is for your exclusive use only.

b) You should treat your bank password and email password with the same level of care, including:

• Not disclosing the password to others.
• Not using easily guessable passwords, such as your date of birth or identifiable parts of your name.
• Not leaking or disclosing your password by reason of grossly negligent conduct or omission. 

The Sites hold information about insurance products (each a “Product” and collectively the “Products”). Please read in detail the terms and conditions specified in the Declaration and Authorisation Statement, Personal Information Collection Statement and policy wording OneDegree provided at the checkout page, which are specific to each Product. The terms in those documents prevail over all other information on the Sites. 

You agree not to use any of the Sites for any of the purposes which are expressly prohibited below:

1.Interference with Operations

You are prohibited from interfering with, disrupting or violating, or attempting to interfere with, disrupt or violate the operation, security, servers or network of the Sites (including but not limited to accessing data not intended for you, logging into a server or account  you are not authorized to access, attempting to probe, scan or test the vulnerability of a system or network, attempting to breach security or authentication measures without proper authorization, attempting to interfere with service to any user, host or network or sending unsolicited emails).  

2.Malicious Usage of the Sites

You shall not use the Sites (i) for uploading, posting, publishing, transmitting, distributing, circulating or storing material that violates any applicable laws or regulations; (ii) in any manner that will infringe the copyright, trademark, trade secrets or other intellectual property rights of others or violate the privacy or publicity or other personal rights of others; (iii) in any manner that is illegal, harmful, defamatory, libelous, obscene, discriminatory, harassing, threatening, abusive, hateful or is otherwise offensive or objectionable. In particular, you shall not access, print, download, duplicate or otherwise copy or use any personally identifiable information about other users without his/her express permission. Sending unsolicited communications of any type to other users is strictly prohibited.  

3.Legal Capacity

You shall not use the Sites if you do not have the legal capacity to form legally binding contracts.

4.Malicious Content

You shall not upload or post any advertisement or materials on the Sites that contain any false, inaccurate, misleading, libelous content, computer viruses, trojan horses, worms, computed files or other materials that may interrupt, damage or limit the functionality of any computer software or hardware or telecommunication equipment. 

5.Fraudulent Information

You shall not upload or post any materials involving the sale or provision of any illegal products or services or any materials containing fraudulent information. 

6. Spamming

You shall not engage in spamming in any form.  

7.Assignment and Transfer

You shall not assign or transfer any rights or obligations under these Terms to any third person without OneDegree’s prior written consent.  

8.Account Usage

You shall not allow others to use the Account to access or use any Sites.  

9.Compliance with Laws

You shall not use the Sites in any manner that violates any applicable laws and regulations.  

By uploading, posting, or creating any materials on the Sites, you unconditionally grant OneDegree a non-exclusive, worldwide, perpetual, irrevocable, royalty-free right to exercise the copyright, publicity, and database rights you have in the materials.  This allows OneDegree to use, publish, host, display, promote, copy, download, forward, distribute, reproduce, transfer, edit, sell, and re-use the materials in any form and anywhere, with or without making any commercial gains or profits, and carry out the purposes set out in the OneDegree’s Privacy Policy and herein. 

1.OneDegree's Intellectual Property

Except for the contents uploaded by Member, all contents of the Sites, including but not limited to the text, images, information, comments, layout, database, graphics, photos, pictures, or audio formats, software, brands, and HTML are the intellectual properties of OneDegree which are protected by applicable copyright and trademark laws and may not be downloaded, copied, modified, reproduced, printed or distributed in any way except that you may download and/or print a copy of such materials for your own legal and non-commercial uses.  

2.Restrictions on Use

Any use of such content other than those permitted under the Terms, or the terms and conditions of any specific Sites is strictly prohibited. OneDegree reserves all rights in this respect. You acknowledge that you will be solely responsible for any adverse consequences arising from your breach of copyright laws and/or other intellectual property laws. 

3.Third-Party Consent

For the avoidance of doubt, any purported consent of any third parties on the use of the contents and materials mentioned under this Clause shall not exonerate you from the restrictions/prohibitions imposed hereunder in whatsoever manner. 

4.Use of Ideas

You agree that OneDegree is free to use, disclose, adopt and modify all and any ideas, concepts, proposals, suggestions, comments and other communications and information provided by you to OneDegree in connection with your use of the Sites without any remuneration or compensation to you.  

5.Waiver of Claims

You hereby waive all and any rights and claims for any consideration, fees, royalties, charges and/or other payments in relation to OneDegree’s use, disclosure, adoption and/or modification of such ideas, concepts, proposals, suggestions, comments and/or other communications and information. 

1.Contents Responsibility

You acknowledge that OneDegree may not pre-screen or pre-approve certain content posted on the Sites or any content sent through the Sites. In any event, OneDegree takes no responsibility whatsoever for the content on the Sites or any content sent through the Sites, or for any content lost and does not make any representations or warranties regarding the content or accuracy of any material therein. 

2.Improper Use by Third Parties

Any materials uploaded or posted on the Sites by you may be viewed by users of other websites and/or media platforms and/or applications linked to the Sites. OneDegree is not responsible for any improper and/or illegal use by any user or third party from linked third party websites and/or media platforms and/or applications of any data or materials posted on the Sites.  

3.Third-Party Links

Links to third party websites and/or media platforms and/or applications provided on the Sites are provided solely as a convenience to you and as internet navigation tools, and not in any way an endorsement by OneDegree of the contents on such third-party websites and/or media platforms and/or applications. Unless otherwise stated on the Sites, OneDegree has no control over or rights in such third-party websites and/or media platforms and/or applications and is not responsible for any contents on such third-party websites and/or media platforms and/or applications or any use of services provided by such third party websites and/or media platforms and/or applications by you. 

4.Responsibility for Posted Materials

You acknowledge and agree that you are solely responsible for the form, content and accuracy of any materials, web page or other information placed by you.  

5.Responsibility for Third-Party Content

OneDegree is not responsible for the content of any third-party websites and/or media platforms and/or applications (regardless of whether they are linked to the Sites), and does not make any representations or warranties regarding the contents or accuracy of materials on such third party websites and/or media platforms and/or applications. If you access any third-party websites and/or media platforms and/or applications via hyperlinks on the Sites, you do so entirely at your own risk. 

6.Right to Remove Content

OneDegree shall have the right to remove any materials uploaded or posted on the Sites, to expel you from and prevent your further access to the Sites (by way of, including but not limited to, terminating the membership accounts and blocking your Internet Protocol addresses) at its sole discretion without any notice, compensation, or recourse to you if OneDegree considers at its sole discretion that you have breached or are likely to breach any law or regulations or the Terms or any terms and conditions of any specific Sites. 

1. Monitoring
OneDegree may not monitor the Sites at all times but reserves the right to do so. 

2.Agency Disclaimer
OneDegree shall not in any way be considered an agent of any user with respect to any use of the Sites and shall not be responsible in any way for any direct or indirect damage or loss that may arise or result from the use of the Sites, for whatever reason made.  

3.Error-Free or harmfulness-Free Operation

OneDegree does not warrant that the Sites will operate error-free or that the Sites and the server are free of viruses or other harmful mechanisms. If use of the Sites or the contents result in the need for servicing or replacing equipment or data, OneDegree shall not be responsible for those costs. 

4.As-Is Basis

The Sites and the contents are provided on an “as is” basis without any warranties of any kind. To the fullest extent permitted by law, OneDegree disclaims all warranties, including, without prejudice to the foregoing, any in respect of merchantability, non-infringement of third-party rights, fitness for particular purpose, or about the accuracy, reliability, completeness or timeliness of the contents, services, text, graphics and hyperlinks on the Sites. 

Please refer to OneDegree’s Privacy Policy and Cookie Policy.

1. General Disclaimer 
a)  Accuracy of Materials

OneDegree does not have control over and does not guarantee the truth or accuracy of listings of any materials posted on the Sites or any content on third party websites and/or media platforms and/or applications accessed via the Sites.

b)  Uncontrollable Events

OneDegree shall not be liable for any default of obligations or duties directly or indirectly caused by or resulted from any causes beyond OneDegree’s reasonable control, including but not limited to Internet failure or any system default.  

c)   Service Availability

OneDegree does not guarantee uninterrupted, continuous and/or secure access to the any Services via the Sites. Part of or the entire Sites may be unexpectedly unavailable for whatever duration and for whatsoever reasons that may include but not limited to system malfunctions and disruptions, Internet access downtime and other technical problems beyond OneDegree’s control for which OneDegree cannot and shall not be held responsible. OneDegree reserves the right to take any part or the whole of the Sites offline with or without notice for reasons including but not limited to system maintenance or upgrading. 

d)  Informational Content

The contents of the Sites, such as text, graphics, images, and other material contained the Sites are for informational purposes only. Such content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. 

e)  Endorsements

The Sites do not recommend or endorse any specific tests, physicians, products, procedures, opinions, or other information that may be mentioned on the Sites. 

f)   Reliance on Information

Reliance on any information provided by OneDegree, its employees, others appearing on the Sites at the invitation of OneDegree, other users or other visitors to the website is solely at your own risk. 

g)  Limitation of Liability

In any event, OneDegree, its officers, directors, employees, agents, partners, representatives, shareholders, servants, attorneys, predecessors, successors and assigns shall not be liable for any losses, claims or damages (including but not limited to direct, indirect, incidental, special, punitive or consequential damages, loss of business or profit) directly or indirectly suffered by any user whatsoever and howsoever arising or resulting from or connected with (i) any user’s ability or inability to use the Sites, their contents or the services, including negligence and disputes between any parties; (ii) any user’s use of any services or products provided by any merchants or advertisers; and/or (iii) any performance, non-performance, conduct or policies of any merchants or advertisers. OneDegree is not an agent of any of the merchants or advertisers. 

2.Specific Disclaimer of Mobile App Services 

a) Scope of Services 

OneDegree offers one or more of the following services through the Mobile App pursuant to the Terms:- (i) online veterinary consultation services ("e-Vet"); (ii) online tailored pet health tracking and daily album services ("e-Diary "); (iii) as a platform provides a directory and sales of pet-related branded products("e-Pet Shop"); (vi) advertising services for advertisers and/or merchants (including but not limited to posting advertisements, promotional campaigns, offers, marketing materials and hosting special events) ("advertising"); and (v) any other contents, features, services and/or applications made available by OneDegree via the Mobile App.   

b) e-Vet 

The e-Vet services are designed to provide you with general advice and consultation regarding your pets' health. The e-Vet services are offered by independent, third-party veterinary professionals ("Consultants") and are not a substitute for in-person veterinary care or emergency services. The use of the e-Vet services does not create a professional-client relationship between you and the Consultants or between you and OneDegree. You should consult with a qualified veterinarian for a thorough examination and diagnosis.

The health advisory consultation provided is independent from OneDegree's existing insurance services. Any information OneDegree may have collected or processed through this e-Vet service will not be use for the purpose of insurance underwriting and/or claim assessment.  

c) e-Dairy 

The e-Diary services are designed to help you track and record various aspects of your pets' health and activities, including but not limited to growth tracking, disease tracking, travel logs, exercise records, and water intake records. The information provided through the e-Diary services is based on the data entered by you. It is not intended to replace professional veterinary diagnosis, treatment, or advice. You should consult with a qualified veterinarian for any concerns about your pets' health. 

d) e-Pet Shop 

The e-Pet Shop service is designed to provide a directory and sales of pet-related branded products. Inclusion in the e-Pet Shop directory does not guarantee the quality, safety, or suitability of the products or services listed by OneDegree. You are advised to review the terms and conditions of the third-party before making any purchases.

You agree to indemnify, and hold harmless OneDegree, its officers, directors, employees, agents, partners, representatives, shareholders, servants, attorneys, predecessors, successors and assigns from and against any claims, actions, demands, liabilities, losses, damages, costs and expenses (including legal fees and litigation expenses on a full indemnity basis) arising from or resulting from your use of the Sites, your use of any services provided by OneDegree via the Sites, or your breach of any term of the Terms or any terms and conditions of any specific Sites.  

The services, information and materials contained in or accessed through the Sites are provided on the basis they are available and for use only in the Hong Kong Special Administrative Region ("HKSAR"). By accessing the Sites and/or using Services, you agree that such access and/or use, as well as these Terms are governed by, and construed in accordance with, the laws of the HKSAR and you agree to submit to the non-exclusive jurisdiction of the courts of the HKSAR.