Last updated: April 2026
1. About these terms
These Terms of Service govern your use of the Cogotec website (cogotec.com). By accessing this website, you agree to these terms. If you do not agree, please do not use this site.
2. Who we are
Cogotec Limited is an international insurance consultancy registered in Hong Kong. We provide programme, operational and technology support for international health and travel insurance programmes. We are not an insurer.
3. Use of this website
This website is for informational purposes. Nothing on this site constitutes a binding insurance contract, financial advice, or a commitment to provide coverage. All enquiries are subject to separate engagement terms agreed between Cogotec and the client.
You agree not to:
- Use this website for any unlawful purpose
- Attempt to gain unauthorised access to any part of the site or its systems
- Reproduce, distribute, or commercially exploit any content from this site without written permission
4. Intellectual property
All content on this website — including text, design, graphics, and code — is the intellectual property of Cogotec Limited and is protected by applicable copyright and trademark laws. You may not reproduce or republish any content without prior written consent.
5. Limitation of liability
Cogotec Limited shall not be liable for any loss or damage arising from your use of, or inability to use, this website. We do not guarantee that the site will be uninterrupted, error-free, or free from viruses. All information is provided in good faith and for general guidance only.
6. Third-party links
This site may contain links to third-party websites. We are not responsible for the content or practices of any linked sites and provide these links for convenience only.
7. Governing law
These Terms are governed by the laws of Hong Kong Special Administrative Region. Any disputes shall be subject to the exclusive jurisdiction of the courts of Hong Kong.
8. Contact
For any questions relating to these Terms, contact us at mo@cogotec.com.