Terms of Use

I. Introduction
These Terms of Use govern your access and use of the websites, including wireless services or systems ("Websites") of the Principal Financial Services, Inc., its affiliates and subsidiaries (as used here "The Principal" refers to the Principal Financial Services, Inc., its affiliates and subsidiaries, jointly and severally). All information accessed or viewed is considered confidential and is for only authorized personal or business purposes.

II. Acceptance of Terms
These Websites are the property of one or more of the member companies and/or affiliates of the Principal Financial Services, Inc. By linking, referencing, using or accessing Websites of The Principal, you agree to these Terms of Use, including agreeing to indemnify and hold harmless The Principal from all claims of any nature arising from your access and use of these Websites.
These Terms of Use may be changed at any time at the sole discretion of The Principal. These Terms of Use pertain to all Websites of The Principal, including websites owned, operated or sponsored by any of the subsidiaries or affiliates of The Principal.

III. Consent to do Business Electronically
By consenting to do business electronically with the Principal Financial Services, Inc. (or member companies), you agree that:

  • You've read and agree to our Terms of Use and Privacy Statement.
  • You are who you say you are when logging in and transacting business through our Websites.
  • If you are logging in on behalf of your employer, you have the appropriate authority to log in and conduct business electronically on its behalf.
  • This consent applies to any transactions conducted through our website.
  • You have the right to withdraw this consent at any time by calling - Customer Contact Center at (852) 2827 1233 (for Series 800 members ) and (852) 2802 2812 (for Smart Plan and Simple Plan members).
  • You will need access to a computer with a current internet browser and an operating system that allows you to save files or print web pages and documents. See software recommendations below for more information.
  • The laws of the Hong Kong Special Administrative Region of the People's Republic of China (“HKSAR”) shall govern our sites and your use of them.
  • Your online activity may be viewed, monitored and recorded to help prevent and detect fraud.

If you do not consent, you will not be able to access account information or conduct transactions online.
IV. Secure Websites
By using, accessing or attempting to access Websites of The Principal that require you to log in (these are defined as "Secure Websites"), you are certifying you are the person legally associated with the username, password, login image and phrase or additional method(s) of authentication being used. 
Unauthorized access or use or attempts to access or use Secure Websites of The Principal is prohibited and may violate applicable law. The Principal may report unauthorized access, use or attempts to access or use to law enforcement.
V. Intellectual Property; Link and Logo Licensing
The content found on Websites of The Principal, including without limitation, the text, graphics, videos, selection and arrangement of information, and page layouts, is protected by copyright and other intellectual property laws and treaties. You may download and print copyrighted materials for your personal non-commercial use only. You may not modify, transmit, or distribute any of the copyrighted materials without the specific written consent of The Principal.
Trademarks, service marks and logos used on Websites of The Principal are registered and unregistered trademarks, protected by the laws of HKSAR, the United States and other countries worldwide. Trademarks, service marks and logos used on these Websites that have been provided by others are the property of their respective owners. You may not use any of the trademarks, service marks or logos found on these Websites without the specific written consent of The Principal or their respective owners.
VI. Privacy
All personal information is subject to our Privacy Statement . The information for the accounts you have with us is kept secure and confidential through multiple security features and procedures.
VII. No Legal or Investment Advice; Calculators/Calculations
The communication discussed in the Websites of The Principal is intended to provide general information about the subject matter covered and is provided with the understanding that The Principal is not rendering legal, investment, accounting, or tax advice. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.
This website may also contain video and audio files where the comments were valid on the date the files were recorded. Markets move continuously and you should only rely on current information for any investment decisions.
Retirement and/or financial calculators/calculations which may be provided within these Websites are provided solely for you to estimate hypothetical future financial or retirement status. You are responsible for the accuracy of any estimates and should not rely solely on these calculators. Seek advice from qualified providers before you make any investment or retirement decisions.
VIII. Links to Other Sites - Limitation of Liability
The Principal may provide, or third parties may provide, for your convenience and information only, links to other websites. Because The Principal does not have control over these sites, you agree that The Principal is not responsible for any liability resulting from the access or use of sites not owned by The Principal and that The Principal is not responsible for any content, advertising, product, or any other matter or issue, available online, whether linked to, or from, Websites of The Principal. Further, you agree that The Principal shall not be responsible or liable, directly or indirectly, for any damage or loss caused, or alleged to be caused by or in connection with the use of websites The Principal does not own.

IX. Third Party Applications - Modification Prohibited
The Principal may provide you with access to third-party applications and services through its Websites. You agree not to modify, decompile or reverse engineer any such third party applications, or any code related to such third party applications.

X. Termination and Blocking
You agree that The Principal reserves the right to terminate and/or block your use or access of its Websites for any reason without prior notice to you.

XI. Monitoring
The Principal reserves the right to monitor your access and use of its Websites without notification to you. 

XII. Software Recommendations
You can access our Websites using a common internet browser available in market like Google Chrome, Safari, Internet Explorer or Edge etc. If you're on an older browser and are having issues with our site, we suggest you install a more current browser.
In addition to using a current browser, you must also be sure certain browser settings are enabled to access our Websites. Cookies must be enabled to access secured areas of the site (such as viewing account information), Javascript must be enabled and stylesheets must be enabled. Note: by default, all of the above items are enabled when you install a browser.
Additional software is needed to view some features on our site, which may include Adobe Reader, Adobe Flash Player, RealPlayer, Microsoft Windows Media Player, etc.
Software installed to prohibit pop-ups or restricted banner ads might interfere with this site and cause you to experience general errors or frozen pages. We recommend that this software be disabled or un-installed before using this site.

XIII. Export Control
You agree not to export or re-export any material on our Websites to countries or persons prohibited under any applicable export control laws. By downloading any material on our Websites, you are agreeing that you are not in a country where such export is prohibited and that you are not a person or entity to which such export is prohibited. You are responsible for compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any material on our Websites.

XIV. Limitation of Liability
You agree that your access to, and use of, the Websites of The Principal and the content thereof is at your risk. You agree that under no circumstances shall The Principal be liable for any direct, indirect, incidental, special, consequential, punitive or exemplary damages arising from viruses, worms, trojan horses or other code that has contaminating or destructive properties or our reference, using, accessing, inability to use or access or linking to or from the Websites of The Principal or any errors or omissions in the content thereof. There are some jurisdictions that do not allow for the exclusion of certain warranties or the limitation or exclusion of liability for consequential or incidental damages. Based on this conclusion, the liability of The Principal is limited to the greatest extent permitted by law.
While we have taken care in preparing the content and information contained on these Websites, such content and information are provided “as is” without warranty of any kind, whether expressed or implied. In particular, no warranty about non-infringement, security, accuracy, fitness for a purpose or absence of computer viruses is given in connection with such content and information. 

XV. Governing Law; Severability
These Terms of Use are governed by and construed in the laws of the HKSAR.
In the event any of the provisions of these Terms of Use shall be determined by a court of competent jurisdiction to be invalid, any such provision determined to be invalid shall not affect the validity of all remaining provisions.

XVI. Social Media & Blog Commenting
We welcome comments, opinions and questions. Anything threatening, libelous, defamatory, obscene, pornographic or other material that would violate the law will be deleted.
We take our customers' security very seriously. We do not respond to any questions that pertain to a specific individual, account, or financial issue.
We do not endorse any of the third party content posted on our social media properties, nor do we have any control over it. No part of our social media properties are intended to act as a recommendation, suggestion, or testimonial for any service or product.

XVII. Cookie Policy
Our Websites use cookies.

We will ask you to consent to our use of cookies in accordance with the terms of this policy when you first visit our Websites, by way of a pop-up window. By using our Websites and agreeing to this policy, you consent to our use of cookies in accordance with the terms of this policy.

About cookies and how we use cookies. 

Cookies are small text files sent to your web browser and stored on your hard drive by a website. Cookies allow your web browser to "remember" specific bits of information about your visits to our Websites. Cookies allow you to access secured information, conduct secured transactions, and take advantage of promotional opportunities. They are designed to help you have a better user experience within our Website, and we use the information to improve our site content and site functionality. 

Types of cookies we use

Our Websites uses both “session” and “persistent” cookies. Session cookies are temporary and expire when you leave our Websites or are inactive for a specified length of time. Persistent cookies store your preferences for a site and are read by your browser each time you visit the website. Our Websites use both first-party cookies, which are cookies set by us, and third-party cookies, which are cookies set by other companies to assist our advertising and marketing efforts.

Use of Cookies by Google Analytics

We may use web analytic service and tools provided by third party providers (e.g. Google Analytics provided by Google, Inc.) on our Websites to help us monitor and analyze visitor traffic, behavior and statistics on our Websites.  To do so, Google Analytics mainly uses first-party cookies, which store non-personally identifiable information, to report to us on user interactions on our Websites.  For more details on Google Analytics, please visit www.google.com/analytics/.  To find out how Google Analytics collects and processes data, please go to the site “How Google uses data when you use our partners' sites or apps” located at www.google.com/policies/privacy/partners/.

Managing your cookie preferences 

At this time, The Principal does not respond to do-not-track signals or similar technologies sent by a browser setting. Most web browsers allow you to change your browser settings to limit or block certain cookies. Doing so, however, may limit your access to certain sections of our Websites or otherwise compromise the functionality of the site. For more information about how to change browser settings, please follow the 'Help' option in your internet browser for more details.