Disclaimer

 

Important information about this site

 

This site is maintained by AXA China Region Insurance Company Limited ("AXA China Region") for and on behalf of AXA Hong Kong*. Information provided on this website is general in nature and does not constitute financial or medical advice. While AXA China Region has taken reasonable care in providing such information, the information is not specific to your investment objective, financial situation or particular needs.

The information provided in this website in respect of a particular product or service is for general information purposes only and is not a complete description of all terms, conditions and exclusions applicable to the relevant product or service. You are strongly recommended to refer to the offering documents or policy of the relevant product and/or terms and conditions for the relevant service for further details.

AXA China Region will endeavour to update this website as soon as practicable after changes. However, information can change without notice and so AXA China Region does not guarantee the accuracy of information on this website including information provided by third parties, at any one time. Further, AXA China Region does not warrant that this website or any electronic applications contained herein will be uninterrupted and free from delay, errors, defects, viruses or other malicious programs.

Such information is specially prepared for residents of Hong Kong and is not intended for persons located or resident in jurisdictions which restrict the distribution of information by us. Any currency references are references to Hong Kong dollars unless otherwise specified.

Copyright in the information provided and all trademarks, service marks, trade names, logos and icons contained on this website are owned by AXA China Region unless otherwise specified. You may not alter or modify such information in any way, including removing this copyright notice.

AXA China Region disclaims any liability for loss, damages, cost or other expenses which you may incur as a result of any information provided on this website and/or your access and/or use of this website, to the extent that such liability is not excluded by law.

By accessing and/or using this website, you are deemed to agree that all terms and conditions applicable or relating to this website shall be governed by the laws of Hong Kong and that any dispute arising out of or relating to this website shall be subject to the exclusive jurisdiction of the courts of Hong Kong.  

PRIVACY POLICY STATEMENT

 

STATEMENT OF POLICY

 

The protection of privacy in relation to personal data is the concern of every person in AXA China Region Insurance Company Limited (referred to hereinafter as the “Company”). The Company respects personal data privacy and is committed to fully implementing and complying with the requirements under the Personal Data (Privacy) Ordinance (Cap. 486) (“PDPO”). Personal data will be collected only for lawful and relevant purposes and all practicable steps will be taken to ensure that personal data held by the Company is accurate. The Company will take all practicable steps to ensure security of the personal data and to avoid unauthorized or accidental access, erasure or other use.

STATEMENT OF PRACTICES

 

Information collected when you visit our websites

When you browse this website, cookies will be stored in your computer’s hard drive. The purpose of using cookies is to facilitate the content display and successful redirection to the correct page upon your clicking on the changing banner. We do not collect or store any personal data from you under this circumstance. You have a choice not to accept the cookies, but if you do, certain functionality, i.e. banner redirection and certain content display may not be available.

Statistics on visitors to our website

When you use this website, the Company will record your visit only as a “hit” and do not collect any information which identifies your personal identity until you in fact decide to buy any of our products. Our service providers make a record of your visit that includes but not limited to IP addresses (and domain names), the types and configurations of browsers, language settings, geo-locations, operating systems, previous sites visited, and time/duration and the pages visited.

Your visit to our website may be recorded for general analysis for website enhancement and optimisation. Anonymous information may be gathered through the use of cookies. If you would prefer, you can set your browser to disable cookies or inform you when they are set.

Links to third party

This website may contain links to third party websites. The Company does not provide your personal data to these third party websites. However, the Company has no control over these third party websites. You should review the privacy policies applicable to these third party websites to understand the ways in which these third parties may collect and deal with your personal information.

Retention

The Company ensures personal data is not kept longer than is necessary for the fulfillment of the purpose for which the data is or is to be used.

Security

The Company applies strict measures to safeguard the confidentiality of personal data. We limit access to your personal data to people working for us on a business need to know basis who shall ensure that your personal data are protected against unauthorized or accidental access, processing, erasure, loss or use.

We store information under a secure site with 128-bit encryption. Personal data to and from the Company is encrypted through the Secure Socket Layer (SSL) protocol.

Collection of Personal Data

From time to time it is necessary for the Company to collect your personal data which may be used, stored, processed, transferred, disclosed or shared by us for purposes (“Purposes”), including:

1. offering, providing and marketing to you the products/services of the Company, other companies of the AXA Group (“our affiliates”) or our business partners (see “Use and provision of personal data in direct marketing” below), and administering, maintaining, managing and operating such products/services;

2. processing and evaluating any applications or requests made by you for products/services offered by the Company and our affiliates;

3. providing subsequent services to you, including but not limited to administering the policies issued; any purposes in connection with any claims made by or against or otherwise involving you in respect of any products/services provided by the Company and/or our affiliates, including investigation of claims;

4. evaluating your financial needs;

5. designing products/services for customers;

6. conducting market research for statistical or other purposes;

7. matching any data held which relates to you from time to time for any of the purposes listed herein;

8. making disclosure as required by any applicable law, rules, regulations, codes of practice or guidelines or to assist in law enforcement purposes, investigations by police or other government or regulatory authorities in Hong Kong or elsewhere;

9. conducting identity and/or credit checks and/or debt collection;

10. complying with the laws of any applicable jurisdiction;

11. carrying out other services in connection with the operation of the Company’s business; and

12. other purposes directly relating to any of the above.

13. Please note that if you do not provide us with your personal data, we may not be able to provide the information, products or services you need or process your request.

Transfer of personal data

Personal data will be kept confidential but, subject to the provisions of any applicable law, may be provided to:

1. any of our affiliates, any person associated with the Company, any reinsurance company, claims investigation company, your broker, industry association or federation, fund management company or financial institution in Hong Kong or elsewhere and in this regard you consent to the transfer of your data outside of Hong Kong;

2. any person (including private investigators) in connection with any claims made by or against or otherwise involving you in respect of any products/services provided by the Company and/or our affiliates;

3. any agent, contractor or third party who provides administrative, technology or other services (including direct marketing services) to the Company and/or our affiliates in Hong Kong or elsewhere and who has a duty of confidentiality to the same;

4. credit reference agencies or, in the event of default, debt collection agencies;

5. any actual or proposed assignee, transferee, participant or sub-participant of our rights or business; and

6. any government department or other appropriate governmental or regulatory authority in Hong Kong or elsewhere.

For our policy on using your personal data for marketing purposes, please see the section below “Use and provision of personal data in direct marketing”.

Transfer of your personal data will only be made for one or more of the Purposes specified above.

Use and provision of personal data in direct marketing

The Company intends to:

1. use your name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data held by the Company from time to time for direct marketing;

2. conduct direct marketing (including but not limited to providing reward, loyalty or privileges programmes) in relation to the following classes of products and services that the Company, our affiliates, our co-branding partners and our business partners may offer:

a. insurance, banking, provident fund or scheme, financial services, securities and related products and services;

b. products and services on health, wellness and medical, food and beverage, sporting activities and membership, entertainment, spa and similar relaxation activities, travel and transportation, household, apparel, education, social networking, media and high-end consumer products;

3. the above products and services may be provided by the Company and/or:

a. any of our affiliates;

b. third party financial institutions;

c. the business partners or co-branding partners of the Company and/or affiliates providing the products and services set out in 2 above;

d. third party reward, loyalty or privileges programme providers supporting the Company or any of the above listed entities;

4. in addition to marketing the above products and services, the Company also intends to provide the data described in 1 above to all or any of the persons described in 3 above for use by them in marketing those products and services, and the Company requires your written consent (which includes an indication of no objection) for that purpose

Before using your personal data for the purposes and providing to the transferees set out above, the Company must obtain your written consent, and only after having obtained such written consent, may use and provide your personal data for any promotional or marketing purpose.

You may in future withdraw your consent to the use and provision of your personal data for direct marketing.

If you wish to withdraw your consent, please inform us in writing to the address in the section on “Data Access and Correction”. The Company shall, without charge to you, ensure that you are not included in future direct marketing activities.

Data Access and Correction

Under the PDPO, you have the right to ascertain whether the Company holds your personal data, to obtain a copy of the data, and to correct any data that is inaccurate. You may also request the Company to inform you of the type of personal data held by it.

Requests for access and correction or for information regarding policies and practices and kinds of data held by the Company should be addressed in writing to:

Life Insurance

Data Privacy Officer AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) /AXA China Region Insurance Company Limited Customer Service Centre Suite 2001, 20/F, Tower Two, Times Square,1 Matheson Street, Causeway Bay, Hong Kong

Property & Casualty Data Privacy Officer AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) /AXA General Insurance Hong Kong Limited 23/F, One Kowloon, 1 Wang Yeun Street, Kowloon Bay, Kowloon, Hong Kong

Health & Employee Benefits Data Privacy Officer AXA China Region Insurance Company Limited/AXA General Insurance Hong Kong Limited 22/F.,Manhattan Place, 23 Wang Tai Road, Kowloon Bay, Kowloon, Hong Kong

A reasonable fee may be charged to offset the Company’s administrative and actual costs incurred in complying with your data access requests.

Enquiries

If you have any queries about our Privacy Policy and Practices, please address to the Data Privacy Officer.

Personal information Collection Statement(Hong Kong)

Personal information Collection Statement(Macau)

PRIVACY STATEMENTS

The EU General Data Protection Regulation (GDPR), introduced on 25 May 2018, sets out how your personal data (information that is personally identifiable such as your name, address or email address) can be used in a lawful manner. GDPR also gives you new rights in relation to your personal data.

Utmost Wealth Solutions is committed to ensuring the security and confidentiality of the information you give us, about yourself and other people, which we use to provide our products and services, including online services. Details about how we use your information, your rights over this information and how you can exercise your rights can be found in the Privacy Notice(s) or Privacy Statement(s) for the group of Utmost companies, which you can access via the following link: https://utmostinternational.com/privacy-statements/

Privacy Notice

This Privacy Notice explains how Utmost Limited and Utmost Trustee Solutions Limited as part of the Utmost Isle of Man Group (together ‘Utmost’ and the ‘Utmost Isle of Man Group’ or ‘us’ and ‘we’ as the context shall permit) hold, control and process your personal data. If you have any questions you can contact us using the details provided at the end of this notice.

WHAT IS PERSONAL DATA?

1. Personal data is information that relates to a living individual who can be identified from that data. This identification can be from the information alone or in conjunction with any other information in our possession, or that is likely to come into the possession of those processing the information.

HOW YOUR INFORMATION WILL BE USED

2. Being transparent and providing accessible information about how Utmost hold, control and process personal data is governed by the European Union General Data Protection Regulation (GDPR) and the Isle of Man regulations applied under the Data Protection Act 2018 (together the Data Protection Regulations).
3. As a financial services organisation we hold, control and process your personal data to enable us to provide you with our products and related services. We also hold, control and process your data to allow us to comply with our obligations under the laws and regulations of the Isle of Man and the United Kingdom (UK) in relation to the prevention of crime and terrorist financing and to enable information exchange between taxation authorities. In addition, if you are resident in the UK, we will process your personal data to comply with UK taxation law.  This personal data will include details such as your name, address and date of birth and may include information as to your place of birth and National Insurance number.
4. Subject to changes in the Data Protection Regulations, where you provide us with personal data about an individual who is under 16 years of age, it is your responsibility to advise us when that individual attains 16 years, as we may be required under the Data Protection Regulations to tell them that we hold their personal data.
5. In the context of the Data Protection Regulations, we will process your personal data under the following legal bases:
   1. To enter into or perform a contract (in the case of Utmost Limited a contract for an insurance bond and in the case of Utmost Trustee Solutions Limited, should they be appointed as a trustee, a trust client agreement),
   2. To comply with the legal requirements of an European Economic Area (EEA) Member State or the Isle of Man, and
   3. To fulfil the legitimate interests of Utmost.
6. When we are processing your personal data in order to fulfil our legitimate interests, our legitimate interests are:
   1. To comply with the laws of the Isle of Man in relation to anti-money laundering and countering the financing of terrorism requirements, which require us to be satisfied that we have suitably identified our customers and understand the nature of their affairs.
   2. To disclose personal information to the Isle of Man Treasury in order to meet international taxation reporting standards.
      These are requirements of Isle of Man law and are equivalent to requirements within the laws of EEA Member States.
 
7. Where you have applied for one of our products that require underwriting services such as the Estate Planning Bond or the Discounted Gift Trust, we will process information about your health.  This information will be supplied by you in an application form and also by your General Practitioner (GP) when you have authorised your GP to do so. We process this information so that the value of the gift placed into trust can be calculated.  We then keep this health data so that in the future we can respond to any enquiry from HM Revenue & Customs (HMRC) as to how the gift value has been calculated.
8. If you do not provide us with the necessary personal data, Utmost will not be able to enter into and/or administer the contract that you have with us.

INFORMATION PROVIDED BY OTHER SOURCES

9. Not all personal data we hold about you will have been provided directly by you.  Where your personal data has been provided to us by another party, this is likely to have been in one of the following circumstances:
   1. You have been named as a life assured for an insurance bond.
   2. You are a director, signatory or shareholder of a corporate applicant for an insurance bond.
   3. You are the beneficiary of a trust that holds an insurance bond.
   4. You have witnessed a signature upon a form or deed.
In these instances, we will have asked for information such as your name, address and date of birth.


10. Where we are processing personal data that has been provided by another party, the data is most likely to have been obtained from:
    1. The settlor and/or trustees of a trust of which you are a beneficiary.
    2. The director, signatory or shareholder of a corporate applicant.
    3. Your GP in relation to health information.
    4. Publically accessible media sources.

SHARING INFORMATION

11. We will transfer personal data to:
    1. Associated Isle of Man companies within the Utmost Isle of Man Group, including Utmost Services Limited, which supplies our computer systems and Utmost Trustee Solutions Limited where it has been appointed as a trustee in connection with an insurance bond provided by Utmost Limited.
    2. If applying for a product which is underwritten, our appointed underwriter who will receive your health information.
    3. The Isle of Man Government and regulatory agencies when required to by law or regulation.
    4. Your nominated advisers, such as your Independent Financial Adviser.
    5. If you are resident in the UK, HMRC when required by UK taxation law or regulation.
In order to fulfil our legitimate contractual obligations to you, we may also from time to time be required to share your information with other third parties. In compliance with the Data Protection Regulations, we will only transfer your information to third parties where they provide an adequate level of data protection.


12. Your personal data will be held, controlled and processed by us in the Isle of Man, which is not a member of the EEA.  The Isle of Man has been recognised by the European Commission as having adequate data protection legislation.

HOW LONG DO WE KEEP YOUR PERSONAL INFORMATION?

13. To meet our legal and business requirements your personal data will be stored, and accessible, in our business systems for a period of up to seven years following the date on which all connected business relationships have ended. After this period, your personal data will be archived and placed beyond the use of the business, with access restricted to legitimate legal or business requirements. Examples of such requirements include, but are not limited to, legal actions, fund corrections and regulatory changes.

HOW TO UPDATE THE INFORMATION WE HOLD ABOUT YOU

14. It is important that the information we hold about you is accurate and up to date. Please let us know if your information changes, or if the information we hold about you is incorrect. You can ask our Customer Services team to update or correct your information.
If we have disclosed your personal information to another entity as described in paragraph 11, we will also let them know about the changes unless it is very difficult or not possible for us to do so.



YOUR RIGHTS

15. Under the Data Protection Regulations you have certain rights over your personal data. These rights are as follows:
    1. You have the right to request from us access to your personal data through a ‘subject access request’.
    2. You have the right to obtain from us the rectification of any inaccurate personal data we hold about you.
    3. You have the right to erasure of your personal data, unless we have a legal obligation to process your personal information.
    4. You have the right to seek the restriction of the processing of your personal data in certain circumstances.
    5. You have the right to object to its processing. We shall no longer process the data unless there are compelling legitimate grounds for the processing.
    6. You have the right of portability in relation to your personal data. This means you can request we provide you with the personal data we hold about you in a structured, commonly used and machine readable format.
    7. You have the right not to be subject to decisions based solely on automated processing. We do not carry out any automated processing which may lead to an automated decision based on your personal data.
In order to exercise any of the above rights, please write to or email Utmost’s Data Protection Officer at the details provided below.


16. If you believe we have not complied with the requirements of the Data Protection Regulations you have the right to make a complaint about our data processing to a supervisory authority, for example, the Information Commissioner’s Office in the UK or the Information Commissioner in the Isle of Man. Their contact details are as follows:
Information Commissioner’s Office (ICO)
Wycliffe House
Water Lane
Wilmslow
Cheshire
UK
SK9 5AF

Telephone: +44 (0)1625 545700 or +44 (0)303 123 1113

Isle of Man Information Commissioner
Head Office
PO Box 69
Douglas
Isle of Man
IM99 1EQ

Telephone: +44 (0)1624 693260

IDENTITY AND CONTACT DETAILS OF THE DATA CONTROLLER AND THE DATA PROTECTION OFFICER

17. Your personal data is held,controlled and processed by Isle of Man companies in the Utmost Isle of Man Group.  Specifically these companies are:
    1. Utmost Limited, which provides insurance bonds, and
    2. Utmost Trustee Solutions Limited, where it has been appointed as a trustee in connection with an insurance bond provided by Utmost Limited.
      The registered address of each company listed in section 17 (a) to (b) is Royalty House, Walpole Avenue, Douglas, Isle of Man, IM1 2SL.


18. If you wish to exercise any rights, have any queries as to how your data is processed, concerns or complaints, you can contact  our Data Protection Officer by emailing: dpo@utmostwealth.com.

As the Isle of Man is not an EEA Member State, our EEA Appointed Representative in the United Kingdom is an establishment of Utmost Services Limited based at Saddlers House, 5th Floor, 44 Gutter Lane, London EC2V 6BR.

INTERMEDIARY PRIVACY NOTICE

This Privacy Notice explains how Utmost Limited and Utmost Trustee Solutions Limited as part of the Utmost Isle of Man Group (together ‘Utmost’ and the ‘Utmost Isle of Man Group’ or ‘our’, ‘us’ and ‘we’ as the context shall permit) hold, control and process your personal data. If you have any questions you can contact us using the details provided at the end of this notice.

WHAT IS PERSONAL DATA?

1. Personal data is information that relates to a living individual who can be identified from that data. This identification can be from the information alone or in conjunction with any other information in our possession, or that is likely to come into the possession, of those processing the information.

HOW YOUR INFORMATION WILL BE USED

2. Being transparent and providing accessible information about how Utmost hold, control and process personal data is governed by the European Union General Data Protection Regulation (GDPR) and the Isle of Man regulations applied under the Data Protection Act 2018 (together the Data Protection Regulations).
3. As a financial services organisation we hold, control and process your personal data to enable us to provide your clients with a contract for an insurance bond and you and your client with connected services. We also hold, control and process your data to allow us to comply with our obligations under applicable law and financial regulation and to provide you with information about our products and services which may help you in your client recommendation process. This personal data will include details such as your name, bank account details, address, email address, employer and regulatory authorisation information.
4. In the context of the Data Protection Regulations, we will process your personal data under the following legal bases:
   1. To enter into or perform a contract (this will be your Terms of Business Statement & Application Form for Intermediaries or other agreement (Terms of Business Contract) with Utmost Limited),
   2. To comply with the legal requirements of a European Economic Area (EEA) Member State or the Isle of Man, and
   3. Where this is necessary for the purposes of our legitimate interests or that of a third party, except where such interests are overridden by the interests of the data subject.
5. When we are processing your personal data in order to fulfill Utmost’s legitimate interests, these legitimate interests are:
   1. To comply with applicable law and financial regulation.
   2. To ensure network and information security.
   3. To disclose personal information to regulatory authorities where we are required to do so by applicable law or regulation.
   4. For marketing and communication purposes to keep you informed of product, service and industry-related technical developments, which may help you in your client recommendation process. In these circumstances we may contact you through mediums such as post, email communication and live telephone calls. You may object to the processing of your personal data in this way at any time, by contacting us using the details listed in paragraph 14 or by speaking with your Utmost contact.
6. If you do not provide the necessary personal data, Utmost may not be able to provide your client with a contract for an insurance bond and you and your client with connected services.

INFORMATION PROVIDED BY OTHER SOURCES

7. Not all personal data we hold about you will have been provided directly by you. Where your personal data has been provided to us by another party, this is likely to have been as a result of a client recommendation; by way of a third party introduction; by your employer identifying you as their employee; or where you are a director or signatory of an Intermediary that has entered into a Terms of Business Contract with Utmost Limited. In these circumstances, we will have asked for information such as your name, address and where relevant your personalised contact details such as email address and telephone number.

SHARING INFORMATION

8. We will transfer personal data to:
   1. Associated Isle of Man companies within the Utmost Isle of Man Group, including Utmost Services Limited, which supplies our computer systems.
   2. Regulatory authorities where we are required to do so by applicable law or financial regulation.
   3. Where you provide your consent to do so, third parties for the purposes of providing a business reference in circumstances where you are establishing a relationship with that third party.
   4. Third parties for marketing and communication purposes in order to fulfill our legitimate business interests.
   5. Third party data processors, in circumstances such as where investment or adviser charge payments are facilitated via an insurance bond.
In compliance with the Data Protection Regulations, we will only transfer your information to third parties where they provide an adequate level of data protection.


9. Your personal data will be held, controlled and processed by us in the Isle of Man, which is not a member of the EEA. The Isle of Man has been recognised by the European Commission as having adequate data protection legislation.

HOW LONG DO WE KEEP YOUR PERSONAL INFORMATION?

10. To meet our legal and business requirements your personal data will be stored, and accessible, in our business systems for a period of up to seven years following the date on which all connected business relationships have ended. After this period, your personal data will be archived and placed beyond the use of the business, with access restricted to legitimate legal or business requirements. Examples of such requirements include, but are not limited to, legal actions, fund corrections and regulatory changes.

HOW TO UPDATE THE INFORMATION WE HOLD ABOUT YOU

11. It is important that the information we hold about you is accurate and up to date. Please let us know if your information changes, or if the information we hold about you is incorrect. You can ask our Customer Services team to update and correct your information.
If we have disclosed your personal information to another entity as described in paragraph 8, we will also let them know about the changes unless it is very difficult or not possible for us to do so.



YOUR RIGHTS

12. Under the Data Protection Regulations you have certain rights over your personal data. These rights are as follows:
    1. You have the right to request from us access to your personal data through a ‘subject access request’.
    2. You have the right to obtain from us the rectification of any inaccurate personal data we hold about you.
    3. You have the right to erasure of your personal data, unless we have a legal obligation to process your personal information.
    4. You have the right to seek the restriction of the processing of your personal data in certain circumstances.
    5. You have the right to object to its processing. We shall no longer process the data unless there are compelling legitimate grounds for the processing.
    6. You have the right of portability in relation to your personal data. This means you can request we provide you with the personal data we hold about you in a structured, commonly used and machine readable format.
    7. You have the right not to be subject to decisions based solely on automated processing. We do not carry out any automated processing which may lead to an automated decision based on your personal data.
    8. Where we are processing any of your data based upon your consent to do so, you have the right to withdraw this consent at any time.
In order to exercise any of the above rights, please write to or email Utmost’s Data Protection Officer at the details provided below.


13. If you believe we have not complied with the requirements of the Data Protection Regulations you have the right to make a complaint about our data processing to a supervisory authority, for example, the Information Commissioner’s Office in the UK or the Information Commissioner in the Isle of Man. Their contact details are as follows:
Information Commissioner’s Office (ICO)
Wycliffe House
Water Lane
Wilmslow
Cheshire
UK
SK9 5AF

Telephone: +44 (0)1625 545700 or +44 (0)303 123 1113

Isle of Man Information Commissioner
Head Office
PO Box 69
Douglas
Isle of Man
IM99 1EQ

Telephone: +44 (0)1624 693260

IDENTITY AND CONTACT DETAILS OF THE DATA CONTROLLER AND THE DATA PROTECTION OFFICER

14. Your personal data is held, controlled and processed by Isle of Man companies in the Utmost Isle of Man Group. Specifically these companies are:
    1. Utmost Limited, which provides insurance bonds, and
    2. Utmost Trustee Solutions Limited, where appointed as a Trustee in connection with an insurance bond issued by Utmost Limited, and
    3. Utmost Services Limited which supplies our computer systems.
The registered address of each company listed in section 14 (a) to (c) is: Royalty House, Walpole Avenue, Douglas, Isle of Man, IM1 2SL.


15. If you wish to exercise any rights, have any queries as to how your data is processed, concerns or complaints, you can contact our Data Protection Officer by emailing: dpo@utmostwealth.com
16. As the Isle of Man is not an EEA Member State, our EEA Appointed Representative in the United Kingdom is an establishment of Utmost Services Limited based at Saddlers House, 5th Floor, 44 Gutter Lane, London, UK, EC2V 6BR.

Our cookie policy

This website is owned by AXA China Region Insurance Company (Bermuda) Limited. Here is our cookie policy for this site and the types of cookies we use on it.

What are cookies?

Cookies are small files that websites place on the device you’re using to browse the site. Cookies are commonly used to record some aspect of your visit to a site, such as choices you’ve made or preferences you’ve set during your visit.

How and why we use cookies

We use cookies to give you the best experience when you visit our website. By using cookies, we can make it easier for you to do many things, such as managing your accounts, policies, or login details, and applying for products and services. Cookies can also allow us to tailor the content of our website so we can show you services or adverts we think you may be interested in.

Keeping your personal information safe

Our cookies do not store personal information such as your name, address, phone number or email in a format that can be read by others. The cookies we use cannot read or search your computer, smartphone or web enabled device to obtain information about you or your family, or read any material kept on your hard drive.

We do use a small number of cookies that store encrypted versions of information where you have asked us to, such as the ‘Remember me’ function that allows us to remember your Account username for subsequent visits. However, this is encrypted so that only AXA China Region Insurance Company (Bermuda) Limited can read this information. The website that places a cookie owns that cookie. This means only that website and other sites that it has agreed to share information with can read the information stored using a cookie.

Links to sites provided by others

If you follow a link from our website to another website, please be aware that the owner of the other website will have their own privacy and cookie policies for their site. We recommend you read their policies as we are not responsible or liable for what happens at their site.

How to manage and switch off cookies

Your web browser provides settings that allow you to manage or switch off cookies. If you do switch off cookies, remember that you may not be able to use all of the services on our websites. You can find out more about managing and switching off cookies at the independent website: allaboutcookies.org

The types of cookies we use on this site

Strictly necessary cookies

These cookies are essential for our online services and tools to work. They collect or record information that we need to make our site work. Common uses for this type of cookie include:

• storing information so that shopping baskets can be provided
• storing information for e-billing
• allowing users to log in or access private areas of a site.

These cookies only last for a single browsing session – when you leave our site, they are removed.

Performance cookies

These cookies help us to monitor and improve how our website works.

Common uses for this type of cookie include:

• collecting information about which pages visitors go to most often
• noting if visitors get any error messages from web pages
• understanding which links visitors like to follow (including adverts) and which they choose not to.

The information collected using these cookies is anonymous and cannot be used to identify an individual visitor.

Functionality cookies

These cookies allow us to provide you with enhanced features that need to remember your preferences and choices, such as your user name, language or region. They also let us monitor how our website is performing so we can keep on improving it.

Common uses for this type of cookie include:

• providing you with local information, such as health providers in your area
• remembering how you like to use our site, such as what text size you like or what media software you use
• remembering what topics you’re interested in so we can provide you with related products, services and information.

The information we store in these cookies is encrypted so that only we can read it.

Utmost Wealth Solutions is the business name used by a number of Utmost companies. Utmost Online is a service provided by Utmost Internatonal Isle of Man Limited.

The following Isle of Man registered companies are, where regulated, licensed by the Isle of Man Financial Services Authority. Regulated: Utmost International Isle of Man Limited (No 024916C), Utmost Administration Limited (No 109218C), Utmost International Trustee Solutions Limited (No 095926C) and Utmost Trustee Solutions Limited (No 106739C). Non-Isle of Man regulated: Utmost Services Limited (No 059248C).

Each has its registered office at: King Edward Bay House, King Edward Road, Onchan, Isle of Man, IM99 1NU, British Isles.

Telephone: +44(0)1624 643345

Email: customersupport@utmostwealth.com

Web: www.utmostinternational.com

Telephone calls may be recorded.

Utmost Services Limited has a UK branch office at: Saddlers House, 5th Floor, 44 Gutter Lane, London, EC2V 6BR. Registered branch number BR018821.

MODERN SLAVERY ACT STATEMENT (THE “ACT”)

Published 4 July 2023

Introduction:

The Utmost Group is committed to working towards the eradication of slavery and human trafficking. We are a global provider of insurance and savings solutions in the UK and Internationally. The Group is owned by its two Founders and funds managed by Oaktree Capital Group LLC. Further details of our ownership structure are available in the Governance section of our Annual Report, available online at www.utmostgroup.com.

As a business that places corporate and social responsibility at the heart of its values, the Utmost Group recognises that respecting human rights is the right thing to do and ensures that appropriate actions are taken to manage risks relating to modern slavery.

This statement sets out the steps taken by the Utmost Group or actions underway during the financial year ended 31 December 2022 and to date, to assist in the detection and prevention of modern slavery across its business operations and supply chains.

OUR BUSINESS

The Utmost Group is a leading provider of modern, flexible solutions which assist our customers in securing their financial futures. The Group has over 1500 employees predominantly based in the UK, Ireland, the Isle of Man and Guernsey, with a small number of staff working in worldwide operations in locations across Europe, Singapore, Hong Kong, Switzerland and the Dubai International Finance Centre.

OUR POLICIES ON SLAVERY AND HUMAN TRAFFICKING:

We are committed to preventing modern slavery or human trafficking in our supply chains or in any part of our business. The Group is committed to conducting business responsibly and upholding the highest standards of governance throughout our operating businesses. The Group has in place a Group Corporate Governance Manual and Policy Suite framework, which alongside this statement contains relevant policies, such as our Corporate Social Responsibility Policy and Outsourcing Management Policy, which set out the necessary principles to manage and mitigate key risks and safeguard the business and all its stakeholders, including employees, suppliers, and customers.

The Group’s approach to human rights extends beyond our supply chain, to employees and contracted staff and we are committed to paying at least the national living wage in the UK and its equivalent in the other jurisdictions in which we operate. The system of internal controls implemented by our operating businesses includes:

• Protecting employees and whistleblowers
• Identifying and assessing potential risk areas in our supply chains.
• Mitigating the risk of slavery and human trafficking occurring in our supply chains.

OUR EMPLOYEES

We follow the principles of good corporate governance and Enterprise Risk Management and do not tolerate any malpractice, whether committed by senior managers, employees, suppliers, or contractors acting on our behalf.

The Group Code of Conduct (“Code”) applies to all directors, officers, and employees, requiring that they adhere to the Code. Our employees are encouraged to report any practices or actions where they believe these to be inappropriate or inconsistent with the Code or that may compromise the ethical standards or integrity of the organisation.

The Group Whistleblowing Policy sets out requirements for reporting inappropriate, unethical, or otherwise activities that are inconsistent with the Code. This policy enables an employee to report any improper conduct or unethical behaviour via line management, senior management, the relevant Chief Risk Officer, Company Secretary, Head of HR or Chair of the Audit Committee. This Policy and the associated Guidance Notes are communicated to all employees at least annually and are easily accessed.

Where employees feel that they cannot raise a concern with these individuals, they may make contact on a confidential basis with the Chairman of the local Audit Committee, after which their report will be investigated and considered by the Non-Executive Directors of the relevant subsidiary company. Employees may also raise their concerns with the Chairman of the Audit, Risk and Compliance Committee of Utmost Group plc or if they deem it necessary, employees may wish to contact the applicable external regulator. At all times during any investigation the whistleblower’s identity will be kept confidential. All employees are reminded annually of their right to raise concerns under the Whistleblowing Policy, and to consult with associated guidance.

OUR SUPPLIERS

It is important to us that our commitment to human rights is shared by our suppliers. The Utmost Group accepts a range of goods and services from suppliers located across the globe, although the majority of suppliers have their operations locally in the Isle of Man, Ireland or Guernsey or the United Kingdom. Goods and services utilised by the Utmost Group and its subsidiaries primarily consist of investment services, catering, cleaning, office furniture and stationery, electrical equipment, IT software, property maintenance and utilities.

As the Utmost Group businesses operate in the financial services sector, the risk of being exposed to modern slavery is considered lower than in other industries. However, we recognise that financial services firms cannot be complacent as to the risks that exist in their supply chains and a risk-based approach is taken to identify any high-risk suppliers and prioritise them for review.

Where we enter or renew a contract with a supplier, we will negotiate terms to include standard contractual obligations seeking to ensure that the supplier confirms they have adequate training and policies in place to comply with the Act and avoid slavery.

OUR ONGOING APPROACH AND NEXT STEPS

There is a commitment throughout the Group to ensure that we respect human rights and continue to act as a responsible business. To achieve this, there is a Group Corporate Social Responsibility Policy in place which ensures that all employees of the Utmost Group are provided with ongoing training to ensure that there is the appropriate level of awareness and consistency across the entire business to detect and ultimately prevent modern slavery from occurring anywhere in our supply chain.

This statement has been approved by the Board of Utmost Group plc and signed on its behalf by the Utmost Group CFO.

Ian Maidens

4 July 2023