INTRODUCTION
At Charles Monat Group, we are concerned about the right to privacy and security concerns of visitors to its web sites ("Site"). Accordingly, we have adopted this Privacy Policy and Terms of Use for this Site as set forth below.  Responsible use of the information you share with Charles Monat Group is paramount. For purposes of this Site, the term "Charles Monat Group" includes Charles Monat Group, and all of its affiliated and subsidiary companies. 

Charles Monat Group does not distribute Personal Data or Communications to third parties.
Charles Monat Group will not voluntarily share, rent, sell or otherwise disclose information obtained from visitors to the Site to third parties.

INFORMATION PROTECTION
Charles Monat Group will take appropriate steps to protect all information you share with us. Whenever you provide the Site with Personal Data, Charles Monat Group will take commercially reasonable steps to establish a secure connection with your web browser.

LINKS TO THIRD PARTY WEB SITES
If you use any links provided in the Site to web sites not owned, maintained nor hosted by Charles Monat Group ("Off-sites"), you will leave the Site. Charles Monat Group is not responsible for Off-sites' Privacy Policy or Terms of Use.  A link to a service or web site outside of the Site is not an endorsement of the service or the web site, its content, or its sponsoring organization.

USE OF THE SITE
The Site is owned and operated by Charles Monat Group. No materials found on www.monat.com or any other web site owned, operated, or licensed by Charles Monat Group may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. You may access material on the Site for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, re-post or use the content of the Site for public or commercial purposes, including the text, images, audio, or video without Charles Monat Group's prior written permission.

PREMIUM RATES
It is entirely possible that you may not qualify for some of the listed preferred life insurance premium rates. The premium rates are being provided for general information purposes only and are subject to Charles Monat Group underwriting and other requirements. To obtain a more detailed and accurate plan for your personal situation, we recommend you contact an authorized Charles Monat Group sales representative.

CHARLES MONAT GROUP CONTACT INFORMATION
For additional information about this web site contact:

Charles Monat Group
Address:  702 Dina House, 11 Duddell Street, Hong Kong
Tel:  (852) 2524-8176
Fax:  (852) 2845-9149
Email:  charles@monat.com