Complimentary 12-month Smart Protection (Citi The Club Credit Cardholders Special Privileges)

Complimentary 12-month Smart Protection with Eligible Mox Card Payments

1. Smart Protection (the “Protection”) is underwritten by bolttech Insurance (Hong Kong) Company Limited (“bolttech Insurance”). Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for bolttech Insurance to distribute and arrange for the Protection and provide related services. 
2.  Information of the Protection is provided by bolttech Insurance and gives only an outline of the terms and conditions of the insurance cover and does not contain full terms and exclusions of the insurance policy. Any information given herein is subject to the full terms and conditions which can be found in the policy documents (including the product brochure) which shall prevail in case of inconsistency. 
3.  Please read the related product brochure, policy provisions, Personal Information Collection Statement of bolttech Insurance and Personal Information Collection Statement of HKTIA. For enquiries relating to the Protection, please contact Club Care Customer Service Hotline at 8209 0098. 
4.  HKTIA will receive commission from bolttech Insurance for acting as an appointed licensed insurance agency for bolttech Insurance. 
5.  The Protection referred to in this website is intended to be offered in Hong Kong only. The information on this website is not intended to be used by persons located in or resident outside of Hong Kong. The information on this website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products by bolttech Insurance or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong. 
6.  Under the Insurance Ordinance (Cap. 41), the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy. 
7. Unless otherwise expressly specified in the policy documents, HKTIA’s role is limited to the arrangement of the insurance products of bolttech Insurance only and shall not be responsible for any matters in relation to the provision of the insurance products. 
8. Insurance products are products and obligations of bolttech Insurance and not of HKTIA. 
9. Any dispute over the contractual terms of insurance products should be resolved directly between you and bolttech Insurance. 
10. All insurance applications are subject to bolttech Insurance’s underwriting and acceptance. 
11. bolttech Insurance is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products. 
12. HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances. 
13. You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary. 
14. In case of any inconsistency between the English and Chinese versions, the English version shall prevail.