"AliExpress Cross-border Freight Insurance" Insurance Agreement
In order to improve the after-sales service ability of the insured, provide a better trading experience for the insured's buyers, and solve the problem of buyers returning goods in the transaction, the insurance parties adhere to the principle of equality, mutual benefit, on the insured's online trading platform (domain name AliExpress.co m, abbreviated as "AE", AliExpress, "platform", "trading platform", "AliExpress platform") for the relevant matters related to insing of "AliExpress cross-border freight insurance" (see the attachment for details of the terms), the following insurance agreement has been reached:
I. Insurance subject
Insured: Seller of AliExpress Online Trading Platform (legally operated seller registered in mainland China).
Insured: Seller of AliExpress Online Trading Platform (legally operated seller registered in mainland China).
Insurer: Shenzhen Branch of China Pacific Property Insurance Co., Ltd.
II. Subject matter of insurance
The insured (platform seller) legally trades on the AliExpress online trading platform (domain name: https://www.AliExpress.com/) and enters the Worry-free Return Protection Plan, with the "Free Return" logo "project provider" Product".
Except for goods: customized, underwear, food, adult products, data goods, ticketing products, tourism services and other non-physical goods, and used goods and second-hand goods ("insurable subject" shall be the categories actually insured. In addition, if there is any subsequent change in the scope of "except goods", it will be notified through the designated official channels).
During the term of the agreement, the applicant guarantees that every item he sells is insured against AliExpress Cross-border Freight Insurance and cannot be omitted or selectively insured.
If the project goods involve infringement disputes sold overseas and are proposed or confirmed by the court or the applicant, the insurer has the right to make a comprehensive judgment on the situation of the applicant and the project goods sold and decide to refuse the insurance.
III. Insurance period
After accepting the insurance services under this agreement, the applicant may apply to the insurer for compensation for each transaction during the insurance period within 15 natural days from 00:00 on the next day (insurance period) from the buyer or the buyer's representative clicks "Confirm Receipt" online or the trading platform automatically "Confirm Receipt" (insurance period) . The above-mentioned "confirm receipt" time is subject to the platform's system data.
The term "insurance accident" as mentioned in this agreement refers to the situation where the buyer who purchased the goods of the item proposes a return (including but not limited to a 15-day return without reason or a return promised by the platform agreement and rules) to the seller after receiving the goods and within the insurance period, resulting in the seller losing the income of the transaction.
IV. Safeguard Area
Legal transactions shipped from domestic or overseas warehouses to the following countries and regions can be covered by this agreement:
Russia, United States, Spain, France, Brazil, Netherlands, Israel, Poland, United Kingdom, South Korea, Germany, Italy, Canada, Australia, Saudi Arabia, United Arab Emirates; Chile, Ukraine, Japan, Mexico, Belgium, Czech Republic, Switzerland, Portugal.
Note:
1 The above-mentioned guarantee area is gradually opening up due to the platform's online arrangement plan and will be further expanded in the future, subject to the announcement content of the insurance page.
2 Sanctions against countries and regions, as well as the risk of infectious diseases or infectious diseases that take preventive and control measures (see the terms for details) are excluded from this agreement.
V. Insurance amount and compensation limit
The insurance amount is based on the actual amount paid by the order. Moreover, the insurance amount of a single commodity shall not exceed 1,000 US dollars or 6,000 yuan.
VI. Insurance Terms
1 China Pacific Property Insurance Co., Ltd. Mailbag Insurance Clauses
2 "Insurance Terms for E-commerce Trade Return and Exchange Freight Loss Insurance of China Pacific Property Insurance Co., Ltd."
VII. Service Opening, Suspension and Cancellation
1. service opening
1 This project requires the applicant to apply for opening the designated self-operated platform before using the relevant services. Among them, the following rules need to be followed for opening:
a. The applicant shall ensure the accuracy of the enterprise information registered on the AliExpress platform and pass the verification of the insurer and its authorized party.
b. The applicant shall ensure that all activities under this insurance are fully authorized by the company/store, and use the main account of AliExpress platform to operate.
c. The applicant shall meet the insurer's standards for product access, including but not limited to store performance, historical performance, platform punishment and other relevant requirements.
d. If the applicant owes the insurer's premium, he shall settle the premium and meet the platform access conditions before applying again.
e. Insurers are prohibited from entering if they have fraud, insurance fraud, platform violations, laws and regulations, etc.
f. The relevant rules are subject to the insurer's interpretation caliber.
2 The insured clicks on the platform to open, which means
a. The applicant authorizes the insurer to obtain relevant data from Alibaba and AliExpress platforms, including but not limited to the identity of the applicant, transactions, orders, logistics, platform arbitration, quality inspection, etc., and agrees that the insurer will transmit the relevant data to the relevant partners for use due to business needs.
b. The applicant ensures the authenticity and reliability of all his information (including filling in information by himself or obtaining information from Alibaba or AliExpress platform), and obtains the full authorization of the store and the enterprise entities behind it. If the application is made due to incorrect information or unauthorized use, the consequences shall be borne.
c. The applicant fully understands and accepts the Insurance Agreement, Insurance Instructions, Worry-free Return Service Rules, and the business rules of AliExpress platform.
d. The applicant fully understands and accepts that under the effective state of the service, the transaction will be completed and shipped from the date of service opening, and orders covering countries and categories will be automatically insured.
e. The applicant authorizes the insurance department itself or through a third party it cooperates to automatically deduct the premium from the account designated by the applicant according to the insured order.
2. Service suspension
1 The insurer has the right to suspend the service when the applicant has the following circumstances:
a. The applicant owes the premium and still fails to pay it on time after being urged to pay.
b. When the applicant has high-risk behavior recognized by the insurer.
2 Impact of service suspension:
a. Orders insured before the suspension of service will continue to be covered. If the insured has not completed the premium payment, the applicant shall continue to pay.
b. Orders that are completed and shipped after the service termination will not be insured or paid premiums, and the relevant orders will not be covered by this project.
c. If the suspension of follow-up services is terminated, orders that are completed and shipped from the date of cancellation will continue to be insured and paid; the insurer does not need to be notified separately.
3. Service Discharge
1 For details of the relevant agreements on service termination in this agreement, please refer to "Article 10: Dissolution of the Agreement" of this Agreement.
2 Impact of service dissolution
a. Orders insured before the service is terminated will continue to be covered. If the insured order has not completed the premium payment, the applicant shall continue to pay.
b. Orders that are completed and shipped after the service is cancelled will not be insured or premiums will not be paid, and the relevant orders will not be covered by this project.
c. After the service is terminated, if the applicant intends to join the plan again, he/she shall follow the service opening rules and meet the relevant evaluation conditions of the insurance at the same time.
VIII. Insurance contributions
1. After the applicant declares the shipment of the order, the order that meets the conditions will be automatically insured; after the insured is successful, the applicant shall fulfill the premium payment obligation.
2. Premium payable = insured amount × insurance rate
1 Insurance rate: determined by the insurance company according to the merchant's risk, the applicant signs this agreement to accept this price; during the cooperation period, through the platform data monitoring, the applicant's reasonable rate fluctuates, and the overall price range is 0.6%-3%, if the subsequent price changes exceed The above interval will be notified by in-station letter 7 calendar days in advance.
2 Minimum premium: RMB 0.02 per order
3 Exchange rate: If the order amount is denominated in US dollars, the conversion exchange rate of the order amount, insurance amount and insurance claim settlement is the middle price of RMB-US dollar foreign exchange listed on the official website of the People's Bank of China on the 1st of the month.
3. Premium contribution
1 When signing this insurance agreement, the applicant shall also authorize the insurer to entrust the AliExpress platform to send withholding instructions to payment institutions (including but not limited to domestic Alipay accounts and international Alipay accounts). After the applicant's order is successfully insured, the corresponding premium shall be deducted from the balance of the applicant's payment account (including but not limited to domestic Alipay account, international Alipay account), Yu'ebao, bound bank card, credit card and other channels according to the premium bill amount.
2 Among them, the insured's domestic Alipay account refers to the domestic Alipay account provided and bound when applying for the "Worry-free Return Guarantee Plan"; the applicant's international Alipay account refers to the international Alipay account bound by the insured on the AliExpress platform and effective and used to collect payment for the goods.
3 The applicant can change the above account or set the priority of premium deduction for the corresponding account as needed. After setting, when the applicant is obligated to pay premiums, the amount will be deducted from a high-priority account; if it cannot be deducted, the amount will be deducted from the second-priority account.
4 If the customer's high-priority deduction account is not available due to changes in customer conditions, system rules and other reasons, the applicant authorizes the insurer to automatically deduct money from other accounts bound by the applicant. This change will not be notified separately.
5 Each order is successfully insured, whether the claim is settled or not, the applicant has the obligation to pay the premium.
6 If the applicant fails to pay the premium, the applicant agrees that the insurer has the right to collect it by himself or entrust other third parties.
7 If the applicant fails to pay the premium, the applicant agrees that the insurer has the right to demand payment by himself, or entrust Alibaba to deduct or ban all funds from merchants in Alibaba's economy.
4. Insurance takes effect immediately after the order is insured, and does not depend on the final payment of premiums; if the insurance is issued after the policy takes effect but the premium is not paid, it is deemed to be a normal claim.
5. After joining the coverage plan, the insured can actively withdraw or passively withdraw from the service according to the rules of the platform. Orders shipped after the effective point of withdrawal are no longer insured; however, orders that have been insured before the effective time point of withdrawal cannot be refunded, and the premiums that have been paid shall not be refunded; if the premiums have not been paid, the premium payment obligation shall continue to be fulfilled until settlement. If the applicant violates any rules of the platform, including the Worry-free Return Service Rules, the insurer has the right to refuse to provide insurance services.
6. The applicant has the right to submit the invoice needs to the insurer by mail within 12 months of the actual payment of the premium, and send the invoice list to the designated mailbox according to the insurer's requirements. Require the insurer to issue an equal compliance invoice. After receiving the invoicing needs of the applicant, the insurer issues an invoice offline and feedbacks it to the applicant.
IX. Reporting and Claim Settlement
1. For the transaction order insured by the applicant, the buyer can enjoy the right to return to the designated warehouse for free after receiving the goods within 15 days (if there is any change in the number of days, subject to the platform rules and platform agreement), and if the appeal is "return and refunded", after the insurer's review and approval. In particular, the insurer is not liable for insurance in the following situations:
1 The buyer's claim is a refund, or the platform determines it as a refund only;
2 The buyer is determined not to have received the goods, or the goods are empty, and the missing goods are sent less (limited to the missing part);
3 The buyer's receipt of the goods is recognized as fake goods, infringement, brand discrepancy, wrong version of goods, wrong goods received, expiration of shelf life (the buyer's return time point expires), second-hand goods, smuggling, contraband;
4 The buyer's receipt of the goods is determined to be damaged, the product function is not available, or other situations that do not conform to "consistent and intact, without affecting secondary sales";
5 If the insurer has other reasonable grounds to suspect that the applicant has collusion with the buyer, fraud, swiping orders, false commodity prices, false delivery, buying A to issue B and other fraudulent acts;
For non-claimable goods, the applicant or buyer (according to the objective status of the goods at that time) will contact the warehouse through platform customer service within 15 natural days from the date of the claim settlement decision. If they fail to retrieve them after the time, the warehouse will dispose of uniformly.
2. For the goods that need to be returned after the insurer's review, the applicant shall urge the buyer to deliver the goods to the following designated places through the logistics provider designated by the insurer or arrange the logistics provider by himself in accordance with the platform's time limit. Among them:
1 If the buyer fails to deliver the goods to the logistics provider designated by the insurer within the specified time limit of the platform; or the buyer arranges the logistics provider by himself and fails to deliver the product to the designated return warehouse within the specified time limit of the platform, it will be deemed to have voluntarily waived the right to return the goods. After abandonment, the insurer will no longer arrange a return for it.
2 In the case of multiple goods under the same transaction order and multiple returns occur, the buyer can only enjoy the right of free return when returning the goods for the first time and choosing the insurer to designate the logistics provider to carry it. The relevant logistics fees shall be borne by the insurer. For the buyer's own arrangement of logistics, or the second or more returns under the same order, the relevant logistics fees shall be borne by the buyer himself.
3 For the risks of damage, loss, extension and other risks incurred in the process of transportation designated by the insurer, the insurer shall bear; for the buyer, for the buyer arranges the logistics provider to undertake, the risks of damage, loss, extension and other risks incurred in the process of transportation shall be borne by the buyer himself.
4 For the goods to be returned according to the insurer's review, if the goods cannot be transported due to the insurer's factors, the insurer will bear the liability for settlement of the claim to the applicant.
5 For special delivery methods such as large goods delivery and door-to-door collection, buyers also need to abide by the above-mentioned delivery requirements.
6 Relevant instructions such as designated logistics providers, return warehouse outlets, bulk delivery, door-to-door collection, etc., please refer to the product introduction or product announcement for details; if there is any subsequent changes, they will be notified through designated official channels (in-station letters, mail, or pop-up windows, etc.).
3. After the goods arrive at the return warehouse, the insurer and the designated service provider will verify the received goods within two natural days; verify whether the returned goods are "consexact and intact with the purchased goods, and do not affect secondary sales". Specifically:
1 The project goods can maintain the original quality and function; the buyer shall ensure that the returned items and related supporting (attachments) (such as tags, instructions, 3R cards, etc.) are complete, and maintain the original quality and function, without damage, pollution, scratching off anti-counterfeiting, activation (authorization) and other situations, and that it is difficult to restore the original appearance. Class usage traces, unreasonable personal data usage traces.
2 The buyer opens the packaging of the project goods based on the inspection needs, or reasonably debugging to confirm the quality and function of the project goods does not affect the integrity of the goods. If the use of the project goods beyond the needs of inspection and confirmation of the quality and function of the goods, resulting in a large depreciation of the value of the goods, the goods shall be deemed to be intact.
3 Packaging is an essential part of the project goods. Its defects are easy to lead to the depreciation of the value of the project goods. Therefore, the packaging of the project goods should be ensured to be complete when returned. The complete packaging of the project goods means that the original packaging is not missing and the overall packaging structure is complete. However, unavoidable morphological changes in the process of packaging transportation or disassembly, such as moderate deformation, stains, local damage, etc., are not deemed to affect the integrity of the packaging of the project goods.
4. After the verification of the goods received, the AliExpress platform will judge the responsibilities of each party in accordance with the rules of the platform and decide whether the purchase price paid by the buyer should be returned, as well as the amount and proportion of the refund. At the same time, the insurer will also make a claim settlement conclusion within a natural day after the verification of the product is completed:
1 The insurer will refuse to settle the claim based on verifying whether the goods meet the requirements of "consistent and intact, and do not affect secondary sales". If the verification results do not meet the above requirements.
2 Whether the insurer pays the applicant is not necessarily related to whether the platform determines whether the buyer returns the payment paid by the buyer. In particular, if the platform determines that part or all of the payment paid should be returned to the buyer; however, if the returned goods do not meet the principle of "consistent and intact, without affecting secondary sales", the insurer may refuse to settle the claim with the applicant.
3 The insurer's compensation is limited to the actual loss of the applicant, does not exceed the actual payment amount of the corresponding goods, the return of the goods to the buyer, and does not include any form of preferential treatment enjoyed by the obligee. Offers include but are not limited to store red envelopes, store coupons, gold coins or other rights and interests.
4 For those determined by the insurer that it is within the scope of compensation, after the insurer confirms the receipt of the goods and verifies the loss, the claim settlement shall be transferred to the insured's claim settlement receipt account.
5 Return the goods after the insurer's review, but the return cannot be arranged due to the insurer's reasons, and the damage, loss and overtime caused by the use of the insurer's designated logistics company to undertake; if the applicant causes losses as a result, the insurer shall compensate.
6 If the insured makes a claim against the insurer, the insurer shall be liable within the indemnity limit specified in this insurance contract, and other third parties with liability shall be liable for the part exceeding the indemnity limit, and the insurer shall not be liable for compensation.
7 If the buyer and seller deliberately create an insured accident, or falsely claim that an insured accident has occurred without an insured accident, or there are other fraudulent acts to defraud insurance and claim settlement, the insurer shall not be liable for indemnity and has the right to terminate this contract without refunding the premium. If it involves violating laws and regulations, it will be transferred to the judicial organs for handling in accordance with the law.
5. For the goods delivered to the return warehouse: if the insurer approves and completes the payment, the ownership of the goods belongs to the insurer; if it does not meet the scope of claim settlement and the rules, for the non-recclaimable goods, the applicant or the buyer (based on the ownership of the right of goods) will pass through the platform customer service within 15 natural days from the date of claim settlement. It is the warehouse that collects it by itself. If it fails to retrieve it after the time, it will be disposed of by the warehouse.
6. The insurer will independently provide insurance-related customer service to the applicant; and be responsible for the consultation and explanation of insurance insurance and claim settlement.
X. Termination and modification of the agreement
1. When the applicant has the following behaviors, the insurer has the right to unilaterally terminate the service:
1 The applicant owes the premium and still fails to pay it within the specified time after being urged to pay.
2 The compensation rate of the applicant is higher than the assessment standard agreed in the insurance agreement.
3 When the insurer finds that the insured has committed fraud, insurance fraud, or other high-risk behavior. Among them, the identification of fraud, insurance fraud and high-risk behavior shall be subject to the insurer's interpretation.
The applicant has the right to terminate this agreement to the insurer at any time (opt to opt out of the service on the platform page). However, this cooperation project shall not be rejoined within 30 calendar days after the termination of the agreement.
2. In case of any change in the Insurance Agreement, Insurance Instructions and Service Rules, the insurer will notify the applicant through one of the following channels: pop-up windows, announcements, in-station letters, and emails; the above notice shall be deemed to be served by sending the above information by the insurer. After receiving the notice of the change of the agreement, the applicant may choose to continue to use the service or withdraw from the service; if he continues to use the service, he shall be deemed to accept the change.
XI. Service life assessment and withdrawal mechanism
1. During the survival period of the "AliExpress Worry-free Return Guarantee Plan", the insured can assess and evaluate the return risk of the insured every month according to the following rules.
2. Consider Frequency: Every Month
3. Assessment criteria: Each month's assessment needs to meet the following standards before it can be regarded as qualified.
1 Overall return rate (valuable return request amount for period orders/insured amount for period orders) ≤3%.
2 Reasonable return rate (reasonable return and valid return request amount of period orders/insured amount of period orders) ≤2%.
3 According to the main category of merchants, the return rate of merchants ranks relatively ≤80% among all participating merchants in the first-level industry.
Note 1: The amount of valid return application refers to the corresponding insurance amount of the return application order applied for by the buyer, agreed by the platform, and has not been cancelled.
Note 2: Reasonable return refers to return except for the product that is consistent and intact, but the buyer doesn't like it or want it. Including but not limited to fake goods, infringement, brand discrepancy, incorrect goods, received wrong goods, shelf life problems (the buyer's return time point expires), second-hand goods, smuggling, contraband, damaged goods, and unusable products with product functions. The specific reasons for platform disputes shall prevail.
Note 3: Every month, the insured orders for the first 90 days are assessed on a monthly basis; every month, all the above 1-3 standards need to be marked before they are deemed to be qualified; if one of the above 1-3 standards are not met in any January, they shall be deemed to be unqualified.
4. The insurer will publish the assessment results (one of the ways to display it by email, in-station letter or system page) at the beginning of each month. If the standard is not met for two consecutive assessment periods, the insurer has the right to terminate this agreement immediately without further notice to the applicant.
5. Insured persons who terminate the agreement due to unqualified assessment shall not join the guarantee plan within three months after the termination of the agreement. If you need to continue to join after three months, you need to be reassessed and approved by the insurer before joining.
China Pacific Property Insurance Co., Ltd.
Mail Drop Insurance Terms
I. Scope of responsibility
This insurance is divided into two types: parcel insurance and parcel all insurance. In the event of loss to the insured goods, this insurance shall be liable for compensation in accordance with the provisions of the insurance policy.
(1) Mailbag insurance
This insurance is responsible for compensation:
1. Covered Mailbags are all or partially lost during transportation due to bad weather, lightning, tsunamis, earthquakes, floods or stranding, reefs, sinking, collisions, capsions, derailments, falls, disappearances, or fires, explosion accidents.
2. Reasonable expenses incurred by the insured for taking measures to rescue, prevent or reduce the damage of the goods that are dangerous in the insured liability, to the extent that the insured amount of the goods is saved.
(2) Mailbag All Risks
In addition to the responsibilities of the above parcel insurance, this insurance is also responsible for all or part of the losses caused by the insured parcels due to external reasons during transportation.
II. Exceptional Liability
This insurance is not liable for the following losses:
(1) Losses caused by the intentional act or negligence of the insured.
(2) Losses caused by the responsibility of the consignor.
(3) Losses caused by poor quality or short quantity of the insured parcels before the commencement of insurance liability.
(4) Losses or expenses caused by the natural wear and tear, essential defects, characteristics, and falling market prices and transportation delays of the insured parcel.
(5) The scope of liability and exclusion stipulated in the company's postal parcel war risk clause and commodity transportation strike insurance clause.
III. Starting and ending liability
Insurance liability begins when the insured parcel leaves the place of shipment and is shipped to the post office at the place of origin of the insurance policy, until the parcel reaches the destination post office contained in this policy, and ends 15 days from midnight on the date of the notice of arrival issued by the post office. However, once the parcel is submitted to the recipient's premises within this period, the insurance liability will terminate.
IV. Obligations of the insured
The insured shall handle relevant matters in accordance with the following obligations.
(1) When the insured parcel arrives at the destination specified in the insurance policy, the insured shall withdraw the package in time. When it is found that the insured parcel has suffered any loss, it shall immediately apply to the inspection and claim settlement agent specified in the insurance policy. If the whole insured parcel is found to be short or has obvious signs of damage, a short and disability certificate should be obtained from the post office immediately, and a claim shall be filed with them in writing, and if necessary, certification of the statute of time limit extension shall be obtained. If the above-mentioned obligations are not fulfilled, the insurer shall not be liable for the relevant losses.
(2) For the mail parcel that is dangerous in the insured liability, reasonable rescue measures shall be taken quickly to prevent or reduce the loss of the parcel. The insured shall not be regarded as a sign of waiver of the entrustment, nor shall the insurer take this measure as an expression of acceptance of the commission.
The insurer shall not be liable for the expanded losses caused by the insured's failure to fulfill the above obligations.
(3) When claiming compensation from the insurer, the following documents must be provided:
Original insurance policy, parcel receipt, invoice, packing list, pound code list, proof of loss and goods, inspection report and claim list. In case of third-party liability, it is also necessary to provide relevant correspondence and telegrams from the liable party and other certificates and information that the insured can provide related to confirming the nature, cause, extent of the insured accident, etc.
If the insured fails to fulfill the obligation to provide documents agreed in the preceding paragraph, resulting in the insurer being unable to verify the loss, the insurer shall not be liable for the part that cannot be verified.
China Pacific Property Insurance Co., Ltd.
E-commerce trade return and exchange freight loss insurance terms
General Provisions
Article 1 This insurance contract (hereinafter referred to as "this contract") consists of insurance policies, insurance policies or other insurance certificates and attached terms, insurance documents, statements, annotations, attached approvals and other written documents related to this contract. All agreements involving this contract shall be in writing.
Insured and insured
Article 2 All e-commerce platforms registered in the territory of the People's Republic of China (excluding the Hong Kong, Macao Special Administrative Region and Taiwan, the same below) and buyers and sellers may act as applicants.
The insured mentioned in the preceding paragraph does not include natural persons.
Article 3 When goods are sold through e-commerce platforms, and there is a return or exchange, enterprises, other corporate bodies, unincorporated organizations, etc. that need to bear the relevant return and replacement expenses in accordance with the rules of the e-commerce platform can become the insured of this contract.
Insurance Liability
Article 4 During the insurance period, the insured sells goods through the e-commerce platform, and with the consent of the buyer and seller, returns or replaces goods. According to the rules of the e-commerce platform, the insured shall bear the return and exchange freight expenses, and the insurer shall be responsible for compensation in accordance with the provisions of this contract.
The goods agreed in the preceding paragraph do not include non-physical goods such as digital goods, ticketing products and tourism service products.
Exemption of liability
Article 5 The insurer shall not be liable for compensation in any of the following circumstances:
(1) The time when the insured filed a claim settlement application or the return of the goods began earlier than the end of the seller's distribution of the goods flow;
(2) The e-commerce platform has no relevant sales and return or replacement records, or the e-commerce platform records do not match the actual claim;
(3) Failing to return and exchange goods through express delivery service enterprises with business qualifications.
Article 6 The insurer shall not be liable for compensation for the loss of return, replacement and related freight caused by the following reasons:
(1) Intentional or fraudulent acts by the applicant, the insured and their representatives;
(2) Return or replacement caused by damage to goods or quality problems;
(3) War, Hostility, Military Act, Armed Conflict, Strike, Riot, Riot, Terrorist Activities;
(4) Nuclear radiation, nuclear explosion, nuclear pollution and other radioactive pollution;
(V) Earthquakes and tsunamis;
(6) Administrative or judicial acts.
Article 7 The insurer shall not be liable for the following losses and expenses:
(1) Loss of the goods themselves and any losses and expenses other than the cost of return and exchange of freight;
(2) The deductible that should be borne by the insured as agreed in this contract;
(3) Loss, damage, poor quality and inherent defects of e-commerce commodities themselves;
(4) Return and exchange freight charges incurred outside the agreed period of the policy
(5) Other losses and expenses that do not fall within the scope of liability of this contract.
Insurance period and commencement and end of liability
Article 8 The insurance period of this contract shall be determined by the applicant and the insurer through consultation and shall be specified in the policy. The responsibility for each transaction starts and ends from the seller's delivery, until the expiration of the return period agreed in the insurance policy after the buyer signs for the goods, or until the buyer confirms the receipt of the goods on the e-commerce platform, whichever occurs first.
Limits of compensation and deductibles (rates)
Article 9 The indemnity limit and deductible (rate) of this contract shall be determined by the applicant through consultation with the insurer and specified in the insurance policy.
Insurer's obligations
Article 10 When concluding an insurance contract, the standard terms provided by the insurer are adopted, the policy provided by the insurer to the applicant shall be accompanied by standard terms, and the insurer shall explain the content of the insurance contract to the applicant. For the clause exempting the insurer from liability in the insurance contract, the insurer shall make a prompt sufficient to attract the attention of the applicant on the insurance policy, insurance policy or other insurance certificates when concluding the insurance contract, and make a clear statement to the applicant in writing or orally; no prompt or clear explanation , this clause is invalid.
Article 11 After the establishment of this insurance contract, the insurer shall issue an insurance policy or other insurance certificate to the applicant in a timely manner.
Article 12 The right to terminate the insurance contract acquired by the insurer in accordance with Article 16 shall be extinguished if it shall not be exercised for more than 30 days from the date on which the insurer knows the reason for termination. If the insurance contract is established for more than two years, the insurer shall not terminate the contract; in the event of an insured accident, the insurer shall be liable for compensation.
If the insurer already knows that the applicant has not truthfully informed the situation at the time of the conclusion of the contract, the insurer shall not terminate the contract; in the event of an insured accident, the insurer shall be liable for compensation.
Article 13 If the insurer believes that the relevant claim evidence and information provided by the insured are incomplete, it shall promptly notify the applicant and the insured to provide supplementary information in a lump sum.
Article 14 After receiving the insured's request for indemnity insurance benefits, the insurer shall make a timely verification of whether it is an insurance liability; if the situation is complicated, it shall make an approval within 30 days, unless otherwise agreed in the insurance contract.
The insurer shall notify the insured of the verification results; for those liable for insurance, the obligation of indemnity shall be fulfilled within 10 days after reaching an agreement with the insured on indemnity insurance benefits. If the insurance contract stipulates otherwise on the time limit of indemnity insurance benefits, the insurer shall perform the obligation of indemnity insurance benefits in accordance with the agreement. After the insurer makes verification in accordance with the provisions of the preceding paragraph, if it is not an insurance liability, it shall issue a notice of refusal to indemnify the insured within three days from the date of verification, and explain the reasons.
Article 15 If the insurer cannot determine the amount of the indemnity insurance compensation within 60 days from the date of receiving the claim for indemnity insurance compensation and relevant certificates and materials, it shall pay the amount that can be determined according to the existing certificates and materials; after the insurer finally determines the amount of compensation, he shall pay the corresponding difference.
Obligations of the insurer and the insured
Article 16 When concluding an insurance contract, if the insurer inquires about the subject matter of the insurance or the relevant situation of the insured, the applicant shall truthfully inform him.
If the applicant intentionally or due to gross negligence fails to perform the obligation of truthful notification agreed in the preceding paragraph, which is enough to affect the insurer's decision to agree to the insurance or increase the insurance rate, the insurer has the right to terminate the insurance contract.
If the applicant deliberately fails to perform the obligation of truthful notification, the insurer shall not be liable for indemnity for the insurance premium for the insured accident that occurred before the termination of the contract, and shall not refund the insurance premium.
If the applicant fails to fulfill the obligation of truthful notification due to gross negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for indemnity for the insured accident that occurred before the termination of the contract, but shall refund the premium.
Article 17 Unless otherwise agreed, the applicant shall pay the premium at the time of the establishment of the insurance contract. If the applicant fails to pay the premium in full as agreed, the insurance contract will not take effect, and the insurer shall not bear the insurance liability for the insured accident that occurred before the insurance contract takes effect.
Article 18 During the insurance period, if the risk level of the subject matter of the insurance increases significantly, the insured shall notify the insurer in writing in a timely manner, and the insurer shall have the right to request an increase in the insurance premium or terminate the contract.
Significant increase in risk level refers to the factors closely related to the risk accident insured by this insurance and the change in the possibility of the risk accident compared with the time of insurance, which is enough to affect the insurer's decision to continue to underwrite or increase the premium, including but not limited to changes in the return and exchange rules of e-commerce platforms, Changes in the types of products on sale, etc.
If the insured fails to fulfill the notification obligation and the insured accident occurs due to a significant increase in the risk level of the subject matter of the insurance, the insurer shall not be liable for compensation.
Article 19 After knowing that the insured accident has occurred, the insured shall:
(1) Try your best to take necessary and reasonable measures to prevent or reduce losses. Otherwise, the insurer shall not be liable for the losses that have been expanded as a result;
(2) Notify the insurer in time and explain the cause, course and loss of the accident; if the nature, cause and degree of loss of the insured accident are difficult to determine, the nature, cause and degree of loss caused by intentional or gross negligence, the insurer shall not be liable for indemnity for the undetermined part, but the insurer shall, through its Unless his way has been known in time or should have known about the occurrence of the insured accident in time.
Compensation treatment
Article 20 When the insured claims indemnity, he shall provide the insurer with the following certificates and information:
(1) Claims;
(2) Insurance policy or insurance certificate;
(3) Certificate of the seller's confirmation of consent to the buyer's return and exchange;
(4) The e-commerce transaction record and the order number of the goods returned and replaced;
(5) Relevant logistics information and waybill tracking records of e-commerce transactions (recording the name of the logistics company, buyer and seller information, the address of the shipper and consignee, waybill number, etc.);
(6) Return logistics information and waybill tracking records of e-commerce transactions (recording the name of the logistics company, buyer and seller information, address of shipper and consignee, waybill number, etc.);
(7) Other certificates and materials that the applicant and the insured can provide related to confirming the nature, cause and degree of loss of the insured accident;
(8) If the insured entrusts others to claim indemnity from the insurer, it shall also provide the original power of attorney, the identity certificate of the principal and the trustee and other relevant supporting documents.
If the insured fails to fulfill the obligation to provide the claim materials agreed in the preceding paragraph, resulting in the insurer being unable to verify the loss, the insurer shall not be liable for the unverifiable part.
Article 21 After the occurrence of an insured accident, the insurer shall compensate for the actual freight loss borne by the insured after deducting the deductible (rate) agreed in the policy, up to the maximum indemnity limit specified in the insurance policy.
If two or more claims are filed for the same logistics waybill number, the insurer shall not be liable for the second or more claims.
Article 22 In the event of an insured accident, if there is duplicate insurance, the insurer shall be liable for compensation in proportion to the corresponding insurance amount of this contract to other insurance contracts and the sum of the corresponding insurance amounts of this contract.
The insurer shall not be responsible for the advance payment of the amount of compensation to be borne by other insurers. If the insured fails to truthfully inform the insurer to overpay compensation, the insurer has the right to recover the overpayment from the insured.
Article 23 If the relevant responsible party shall be responsible for compensation for losses within the scope of insurance liability, the insurer shall exercise the right of the insured to claim compensation from the relevant liable party by subrogation within the date of indemnity to the insured. The insured shall provide the necessary documents and Relevant information known.
If the insured has obtained compensation from the relevant responsible party, the insurer may deduct the amount of compensation obtained by the insured from the relevant responsible party accordingly when indemnity.
After the occurrence of an insured accident, if the insured waives the right to claim compensation from the relevant liable party before the insurer compensates for the insurance benefits, the insurer shall not be liable for compensation; after the insurer indemnizes the insured for the insurance benefits, the insured waives the right to claim compensation against the relevant responsible party without the consent of the insurer, the act shall be invalid; If the insurer is unable to exercise the right to claim compensation by subrogation due to intentional or gross negligence, the insurer may deduct or demand the return of the corresponding insurance benefits.
Article 24 The limitation period for an insured to claim indemnity from the insurer is two years, counting from the date on which he knew or should have known the occurrence of the insured accident.
Dispute Handling and Law Application
Article 25 Disputes arising from the performance of this contract shall be settled by the parties through consultation. If consultation fails, it shall be submitted to the arbitration institution specified in the insurance policy for arbitration; if the insurance policy does not specify the arbitration institution and no arbitration agreement has been reached after the dispute occurs, it shall bring a lawsuit to the people's court according to law.
Article 26 The laws of the People's Republic of China (excluding the laws of the Hong Kong, Macao Special Administrative Regions and Taiwan) shall apply to all disputes related to this contract and the performance of this contract.
other matters
Article 27 Unless otherwise stipulated by law or otherwise stipulated in this insurance contract, if the applicant requests to terminate this insurance contract before the commencement of the insurance liability, he shall pay the handling fee to the insurer in accordance with the provisions of this insurance contract, and the insurer shall refund the insurance premium.
Unless otherwise stipulated by law or otherwise stipulated in this insurance contract, the applicant and insurer shall not terminate this insurance contract after the commencement of insurance liability.
interpretation
E-commerce transactions: use information network technology to focus on commodity exchange.
Digital goods: goods sold, delivered and used electronically, including but not limited to e-books, music files, videos, software, digital images, electronic manuals, and virtual goods sold in games.
Ticketing products: including but not limited to tickets, train tickets, tickets for cultural performances, sports activities or tourist attractions, etc.
According to United Nations resolutions or trade or economic sanctions, laws and regulations of the European Union, Japan, the United Kingdom and the United States, if the insurer undertakes, pays indemnity or provides any other benefits to the insured, it will lead to any sanctions, prohibitions or restrictions on the insurer, the above-mentioned scope, the insurer will not Underwrite, compensate or provide any other benefits.
COMMUNICABLE DISEASE EXCLUSION (LMA 5394)
Infectious Disease Exclusion Clause (LMA 5394)
1. Notwithstanding any provision to the contrary within this reinsurance agreement, this reinsurance ag reement excludes any loss, damage, liability, claim, cost or expense of whatsoever nature, directly or indirectly caused by, contributed to by, resulting from, arising out of, or in connection with a Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease r egardless of any other cause or event contributing concurrently or in any other sequence thereto.
Regardless of the existence of any provisions contrary to this article in this reinsurance agreement, this reinsurance agreement shall be excluded from any loss or damage of any nature caused, directly or indirectly caused, contributed to, caused, caused, caused, caused or associated with, by, by a fear or threat of infectious diseases, whether objective, actual or subjectively perceived, Liability, claim, cost or expense, etc., whether or not any other cause or event contributes to the loss at the same time or in any other order.
2. As used herein, a Communicable Disease means any disease which can be transmitted by means of any su bstance or agent from any organism to another organism where:
For the purposes of this article, an infectious disease means any disease that can be transmitted from any organism to another organism through any substance or medium, and:
2.1. The substance or agent includes, but is not limited to, a virus, bacterium, parasite or other o rganism or any variation thereof, whether deemed living or not, and
The substance or medium includes, but is not limited to, viruses, bacteria, parasites or other organisms or any variants thereof, whether or not they are considered alive, and
2.2. The method of transmission, whether direct or indirect, includes but is not limited to, airborn e transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liq uid or gas or between organisms, and
The way of transmission, whether direct or brief, including but not limited to air transmission, body fluid transmission, transmission from or to any surface or object, solid, liquid or gas, or between organisms, and
2.3. The disease, substance or agent can cause or threaten damage to human health or human welfare o r can cause or threaten damage to, deterioration of, loss of value of, marketability of or loss of u se of property.
The disease, substance or medium can cause or threaten damage to human health or human well-being, or can cause or threaten damage, deterioration, loss of value, saleability or loss of use of property.
Note: (The above Chinese interpretation is for reference only, and all interpretations of this clause shall prevail in English.)
Links in text:
Instructions for insurance of AliExpress cross-border freight insurance
[Basic Information]
1. The terms of use of this product are: "China Pacific Property Insurance Co., Ltd. Mailbag Insurance Clauses" (CP Property Insurance) Record Number [2009] N284; "China Pacific Property Insurance Co., Ltd. E-commerce Trade Return, Exchange Freight Loss Insurance Terms" Product Registration Number 890T20 two thousand one zero one four zero zero six five
2. Invoice form: This product can provide electronic invoice or paper invoice. The validity of electronic invoice is equivalent to that of paper invoice. Reimbursement can be directly reimbursed after printing the electronic invoice.
3. Solvency notification: Pacific Property Insurance strictly abides by regulatory requirements and continues to maintain sufficient solvency to cope with various possible solvency obligations. For details, please refer to our official website (http://property.cpic.com.cn/) disclosure of public information.
4. Comprehensive risk evaluation: The results of the Pacific Property Risk Management Capacity Assessment are at the forefront of the industry. For details, please refer to our official website (http://property.cpic.com.cn/) for public information disclosure.
[Product Description]
1. Insured: Seller of AliExpress Online Trading Platform (requires a legal operating seller registered in mainland China).
2. Insured: Seller of AliExpress Online Trading Platform (requires a legally operating seller registered in mainland China).
3. The following goods are not insured: customized, underwear, food, adult products, data goods, ticketing products, tourism services and other non-physical goods, as well as used goods and second-hand goods ("insurable subject matter" shall be subject to the categories actually insured. In addition, if there is any subsequent change in the scope of "except goods", it will be notified through the designated official channels).
4. Covered area: Legal transaction orders shipped from domestic or overseas warehouses to the following countries and regions are covered by this agreement: Russia, United States, Spain, France, Brazil, Netherlands, Israel, Poland, United Kingdom, South Korea, Germany, Italy, Canada, Australia, Saudi Arabia, United Arab Emirates ; Chile, Ukraine, Japan, Mexico, Belgium, Czech Republic, Switzerland, Portugal.
1 The above-mentioned countries are gradually opening up, and the above-mentioned guarantee area is gradually opening up due to the platform's online arrangement plan and will be further expanded in the future, subject to the announcement content of the insurance page.
2 The specific mode of transportation in the above countries: that is, whether to collect goods at home or send it by the buyer himself, subject to the announcement on the insurance page.
5. The applicant must apply for the opening of the service on the self-operated platform designated by the insurer; the opening of the service shall meet the requirements of the insurer, including but not limited to identity authentication, application for authorization, and risk audit.
6. The applicant's opening of the service means accepting and complying with the rules of the Insurance Agreement, the Insurance Instructions, the Worry-free Return Service Rules, and AliExpress platform rules; it means agreeing and requesting the insurance department to automatically insure orders covering the country and categories after opening, and according to the agreed rate and Standard, deduct premiums from the payment account set by the applicant.
[Insurance Exemption Matters]
1. The applicant or the right to defraud the insurance or claim compensation by fraud.
2. Returned goods have not been returned to the designated warehouse (except for the insurer who controls the reverse cost and allows some orders not to be returned, everything else should be returned to the designated warehouse to pass the quality inspection before the claim can be settled).
3. For an order, the buyer enjoys an opportunity to return the official logistics for free. If the goods are returned multiple times, they need to send the goods to the designated warehouse by themselves and bear the relevant costs.
4. When the following situations exist, whether to refund the buyer and the investor of the refund will be decided according to the rules of the platform. If the merchant suffers related losses due to refunds to the buyer, we will not settle the claim.
(1) The buyer's claim is a refund, or the platform determines that it is only a refund;
(2) The buyer is determined to have not received the goods, or the goods are empty, and less missed delivery (limited to less missed delivery);
(3) The buyer's receipt of goods is recognized as fake goods, infringement, brand mismatch, incorrect goods, receipt of wrong goods, expiration of shelf life (expired buyer's return time point), second-hand goods, smuggling, contraband;
(4) The buyer's receipt of the goods is determined to be damaged, the product function is not available, or other situations that do not conform to "consistent and intact, without affecting secondary sales";
(5) If the insurer has other reasonable reasons to suspect that the applicant has collusion, fraud, swiping orders and other frauds with the buyer;
5. Whether the insurer pays the applicant or not is not necessarily related to whether the platform determines whether to return the purchase price paid by the buyer.
6. The insurer's compensation is limited to the actual loss of the applicant, does not exceed the actual payment amount of the corresponding goods, the refunded payment to the buyer, and does not include any form of preferential treatment enjoyed by the obligee. Offers include but are not limited to store red envelopes, store coupons, gold coins or other rights and interests.
7. For the goods delivered to the return warehouse: If the insurer approves the claim and completes the payment, the ownership of the goods belongs to the insurer. If the scope of claim settlement and the rules are not met, the applicant or the buyer (based on the ownership of the right to goods) will contact the warehouse through the platform within 15 natural days from the date of claim settlement. If it is not retrieved after the time, the warehouse will be disposed of uniformly.
8. Exclusions listed in the Insurance Agreement, Insurance Instructions, Worry-free Service Rules and other platform agreements.
[Other considerations]
1. Rate range, 0.6%-3%. According to your comprehensive situation, the assessment will float in the above range, subject to the page display. If your rate breaks through the above range, you will notify you by in-station letter 7 calendar days in advance.
2. Minimum premium: RMB 0.02 per order
3. When signing this insurance agreement, the applicant shall also authorize the insurer to entrust the AliExpress platform to send withholding instructions to the payment institution (including but not limited to domestic Alipay accounts and international Alipay accounts). After the applicant's order is successfully insured, it shall be paid from the insured according to the premium bill amount. The balance of the account (including but not limited to domestic Alipay account, international Alipay account), Yu'ebao, bound bank card, credit card and other channels are deducted from the corresponding premium, and the insurer will eventually be paid.
4. The applicant can change the above account or set the priority of premium deduction for the corresponding account as needed. After setting, when the applicant is obligated to pay premiums, the amount will be deducted from a high-priority account; if it cannot be deducted, the amount will be deducted from the second-priority account.
5. When the applicant or obligee has the following behaviors, the insurance company has the right to unilaterally terminate the service:
1 The applicant owes the premium, and only urges the payment but still fails to pay within the specified time.
2 The compensation rate of the applicant is higher than the assessment standard agreed in the insurance agreement.
3 When the insurer finds that the insured has committed fraud, insurance fraud, or other high-risk behavior. Among them, the determination of fraud, insurance fraud and high-risk behavior shall be subject to the interpretation caliber of the insurance company.
6. After joining the coverage plan, you can actively withdraw or passively withdraw from the service according to the rules of the platform. Orders shipped after the effective point of withdrawal are no longer insured; however, orders that have been insured before the effective time point of withdrawal cannot be refunded, and the premiums paid shall not be refunded; if the premiums have not been paid, the premium payment obligation must continue to be fulfilled until settlement.
7. Agreement change: In case of any change to the Insurance Agreement, Insurance Instructions and Service Rules, the insurer will notify the applicant through one of the following channels: pop-up windows, announcements, in-station letters, and emails. The above notice shall be deemed to have been served if the insurer sends the above information. After receiving the notice of the change of the agreement, the applicant may choose to continue to use the service or withdraw from the service; if he continues to use the service, he shall be deemed to accept the change.
[Insurance amount and compensation limit]
The insurance amount is based on the actual amount paid by the order. Moreover, the insurance amount of a single commodity shall not exceed 1,000 US dollars or 6,000 yuan.
[Claim Settlement Process]
Process:
1 Service Opening: The seller clicks to open and bind Alipay (used to pay premiums and receive claims);
2 Commodity marking: for open countries and categories, mark "free return" at the front desk;
3 Buyer places an order: Buyer chooses "free return" to place an order for marked goods and enjoys the right of free return within 15 days;
5 Seller delivery: After the seller delivers the goods, the system automatically deducts the premium from the bound domestic Alipay;
4 Buyer returns: Buyers initiate return applications, and after review, they can directly return them to the local warehouse free of charge;
5 Insurance company claims settlement: After the goods are put into the warehouse and passed the quality inspection, the insurance company directly compensates for the goods to the bound domestic Alipay.
In the event of an insured accident during the effective period of the insurance contract, the insured shall urge the buyer to send the goods to the designated place (unless the insurer permits not to return the goods), and only after quality inspection by the insurer and its service providers, there are no exceptions, the insured can enjoy the insurance. Pay compensation.
If the buyer fails to file a claim or send the goods as required (unless the insurer permits that it is not returned), or the goods sent do not match the goods purchased in the order, resulting in the insurer being unable to verify the loss, the insurer shall not be liable for the part that cannot be verified; the buyer uses unofficial logistics to send goods, and on the way to the merchant The risk of product damage and loss shall be borne by the buyer himself, and the risk of product damage and loss shall be borne by the insurer using official logistics.
[Invoicing]
1. In view of the amount paid by the applicant, the applicant has the right to require the insurance company to issue an equal amount of compliant tax invoice within 12 months after the payment of the fee. Offline invoicing, issued quarterly, invoicing information (see annex template) is sent to email fapiaodayin2021@163.com.
2. The invoice title defaults to the insured, and the invoice type is general ticket.
[Other information]
1. confidentiality obligation
The business arrangements, user information, business model, price, cost, organizational structure, personnel information and other trade secrets, technical secrets, the content of the insurance agreement and the facts of cooperation or transactions between the two parties under the insurance agreement that the two parties are known during the cooperation period are matters that require the confidentiality of both parties, and the performance of the insurance agreement shall be performed. During and within one year after its termination, it shall not be disclosed or disclosed to third parties.
If necessary, third parties may access and use your information, including authorized Pacific Property Insurance employees, and other companies or personnel who perform work related to our business, marketing activities and data collation. All such personnel and companies are required to abide by the relevant confidentiality agreement, as well as the relevant laws and regulations of the state on personal information protection to ensure that your information is protected at any time. In addition to the above purposes, China Pacific Property Insurance will not use your information for any purpose without your consent. Except for our business partners, our legal counsel, external auditors or in accordance with the law, regulatory regulations or court decisions, we will not disclose, alter, damage, sell or provide any accepted information to any third party.
2. Information authorization
1 Data acquisition authorization: In order to ensure the smooth development of insurance/claim settlement and other work, the applicant authorizes the insurer to obtain relevant information such as merchants, transactions, orders, logistics, platform arbitration, return of shipment, quality inspection, etc. by collecting directly from the applicant, or through Alibaba and its affiliates, or through external public institutions.
2 Data sharing authorization: In order to ensure the smooth development of insurance/claim settlement, the applicant authorizes the insurer to share the obtained data between Alibaba and its affiliates, service providers providing returns, quality inspection and residual value realization.
3 Notice method agreement; the notice mentioned in this agreement includes notices through pop-up windows, in-station letters, system text messages and voice calls through AliExpress platform.
Attachment:
Invoicing application form | ||
Amount: yuan | ||
Invoicing time* | From YYYYYY to YYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYY | |
Insured* | ||
Premium amount* | ||
Email* | ||
Invoicing applicant information (Ying) | Name* | |
Taxpayer Identification Number* | ||
address | ||
telephone | ||
Opening bank and account number | ||
list | ||
Policy number* | Payment amount* | Date of signing* |
Example: ASHZ001B888800008C | 88 | 2021/6/6 |
Note: With * is required
LINK:
Entrustment Agreement for Insurance Brokerage Services
In order to protect your rights and interests, please read and fully understand all the contents of this agreement in detail before purchasing insurance products, and be sure to read the terms of this agreement one by one, especially the bold font content.
Party A: Same applicant
Party B: Weilai Insurance Brokerage Co., Ltd.
Address: 11th Floor, Shijihui Building, No. 1198 Century Avenue, Pudong New District, Shanghai
Article 1 Party A agrees to entrust Party B as an insurance broker. Party B relies on the information provided by Party A to provide services for Party A. Party B will conduct an audit based on the information provided by Party A. After passing the review, Party B or other institutions within Party B's group provide Party A with "AliExpress Cross-border Freight Insurance" insurance premium. Realize the service of collection and payment to insurance companies through Alipay International.
Article 2 Party A's Rights and Obligations
2.1 Party A shall effectively understand and comply with the relevant requirements in Party B's Customer Notice "V. Your Responsibilities".
2.1 Party B relies on the information provided by Party A to provide services for Party A. Party A shall provide Party B with all reasonable and necessary assistance to help Party B fulfill its obligations under this entrustment agreement. For the information provided by Party A, Party A shall be independently responsible for the accuracy of such information, and Party B will not verify the accuracy of such information.
2.3 If the information provided by Party A changes or there are other situations involving insurance arrangements, Party A shall notify Party B as soon as possible of the changes that may affect Party B's services or affect Party A's coverage within a reasonable and practical time.
2.4 Party A shall carefully read the content of the insurance contract, focusing on insurance liability, liability exemption, rights and obligations of the applicant and the insured, deductible or deductible, the procedures for applying for indemnity, relevant agreements on withdrawal, fee deduction, product term, etc. Party A shall independently make a judgment on whether to buy a product after carefully reading and fully understanding the content of the insurance terms, and shall bear full responsibility for the behavior, risks and consequences of purchasing insurance products.
Article 3 Rights and obligations of Party B
3.1 Party B will do its best to provide services to Party A with due diligence and skills according to the standards of professional insurance brokers. To achieve this goal, Party B uses the Customer Notice to explain the scope and standards of service, which is part of this agreement.
3.2 Party A agrees that Party B has the right to obtain relevant commissions from the insured insurance company as a reward for providing services to Party A. The commission is paid according to a certain proportion of the premium.
3.3 Party A agrees that Party B collects, records, manages and uses Party A's personal information for the purpose of providing services, and provides Party A's personal information to the relevant insurance companies, as well as relevant third parties provided by Party B to provide services to Party A, and other institutions within Party B's group. The above information is only used for Party A's service purposes, and Party B promises not to use the obtained information for other purposes.
3.4 Party A agrees that Party B collects and pays the insurance premiums on behalf of Party A to the insurance company for the purpose of providing services. Party B will not advance the premium on behalf of Party A until Party A receives the premium.
Article 4 Entry into force and termination of the agreement
This agreement shall take effect from the time Party A clicks "one-click opening". The termination date of the agreement is the same as the insurance termination period specified in the insurance contract. The termination of this agreement shall not affect the rights and obligations of Party A and Party B arising under this agreement before the termination date of this agreement.
Article 5 Special Agreement
5.1 Party A and Party B confirm that Party B's Customer Notice is an integral part of this agreement. Party A has read and known all the content (especially the content highlighted by adding black and black), and clicks "one-click to open" to confirm and agree.
5.2 Party A agrees that this agreement shall be invalid in case of Party B's failure to provide Party A's services under this agreement in accordance with laws and regulations or Party B's group's risk preferences. Party B shall not charge Party A's business commission from the insured insurance company. If the commission has been collected, Party B will return it to the insured insurance company.
Article 6 Jurisdiction and dispute settlement
6.1 This Agreement shall be governed by and interpreted by the laws of the People's Republic of China.
6.2 If there is a dispute between Party A and Party B over the implementation of this agreement, it may be settled through friendly negotiation. If consultation fails, a lawsuit may be brought to the people's court in the place where Party B has jurisdiction.
Link in text:
Weilai Insurance Brokerage Co., Ltd.
Customer Notification
Important note: Thank you for choosing Willy Insurance Brokerage Co., Ltd. (referred to as "us", "our company") to provide you with insurance brokerage services.
In order to protect your own rights and interests, please read this notice carefully. We have bolded the important terms to remind you in particular. If you have any questions about the notice, you can consult our sales staff.
Dear customer,
Weilai Insurance Brokerage Co., Ltd. is an insurance brokerage company approved by the China Banking and Insurance Regulatory Commission to provide insurance brokerage services for your insurance needs based on your interests. In order to protect your legitimate rights and interests, in accordance with the requirements of the Insurance Law of the People's Republic of China and the Regulations on the Supervision of Insurance Brokers, the relevant information is hereby notified as follows:
I. Basic information of our company
Name: Weilai Insurance Brokerage Co., Ltd.
Residence: 11th Floor, Century Hui Building, No. 1198 Century Avenue, Pudong New District, Shanghai
Zip code: 200122
Tel: 021-50298088
Fax: 021-50298000
Website: www.willis.cn
License institution code for operating insurance brokerage business: 260201000000800
Our company is an insurance brokerage company with absolute foreign ownership. Willis Towers Watson PLC, the parent company of the group, is registered in Ireland and listed on the Nasdaq.
II. OUR COMPANY'S BUSINESS SCOPE
Draw up insurance plans, select insurers and go through insurance procedures for the insured in the whole country (except Hong Kong, Macao and Taiwan); assist the insured or beneficiary in making claims; reinsurance brokerage business; provide disaster prevention, loss prevention or risk assessment and risk management consulting services for clients; Bank of China insurance supervision and management Other operations approved by the committee.
Our company promises to always be committed to realizing your interests in the process of service delivery. Our company is an insurance brokerage company, and does not provide relevant suggestions on taxation, accounting, laws and regulations. If you need it, you should seek a separate professional consultation.
III. Internet insurance brokerage services provided by our company
Under your authorization, we provide brokerage services for you to enter into insurance contracts with insurers based on your interests. We or other internal institutions of Weilai Taoyue provide you with "AliExpress Cross-border Freight Insurance" insurance premium collection and payment to insurance companies.
Our company evaluates and recommends the insurers for your use with public information, including information provided by recognized evaluation institutions. However, under no circumstances will our company play the role of an insurer or provide any guarantee or guarantee for the solvency of the insurer. Our company is not the agent of the insurer. If you have any concerns, please contact us.
In case of claim, please claim compensation from the insurer as agreed in the insurance contract. Our company does not provide claim services.
IV. Electronic transactions
You agree that our business arrangements will be carried out through electronic transactions. By clicking the Agree button, you are fully aware of the risks of electronic transactions and can bear the losses that may arise from them.
V. Your responsibilities
In order to protect your legitimate rights and interests, please fill in the insurance information truthfully, completely and accurately. The insurance information will be used as the basis for the insurer's insurance and as part of the insurance contract. If there is any change in the insurance information, please contact the insurer in time to handle the change procedures. If the facts are deliberately concealed and the obligation of truthful notification is not fulfilled, the insurer has the right to terminate the contract and shall not be liable for compensation for the accident that occurred before the termination of the contract.
Please carefully review the insurance contract documents before insuring to determine that they accurately reflect the coverage, conditions, limits and other terms you require. You should focus on insurance liability, liability exemption, insurance accident notification, premium payment, renewal, contract termination and termination of contract validity, explanation and truthful notification, contract content change, contact information change, dispute handling, insurance accident identification, etc.
You should independently make a judgment on whether to buy a product after carefully reading and fully understanding the content of the insurance terms, and will be fully responsible for the behavior, risks and consequences of purchasing insurance products.
You should carefully read the claim clause in the insurance contract. If you fail to report the claim in time, it may affect the claim. In addition, you should keep all insurance contracts, insurance documents and claim reporting guidelines.
Please be sure to pay the premium in time according to the agreement with the insurer. You agree that the premium will be collected and paid to the insurance company through our company. But our company is not obliged to advance the premiums to the insurer.
VI. Electronic communication
We may contact you, as well as our company and the third parties needed to provide you with services, by email, and sometimes other electronic attachments will be attached. Agree to communicate in this way, indicating that both our company and you accept the inherent risks (including interception or illegal acquisition of communication materials, misinformation, and damage to communications by viruses or other harmful devices). Although our company's system has appropriate virus detection procedures, you are still responsible for virus checking all electronic files received. You are also responsible for checking the integrity of the electronic documents received. In the event of a dispute, neither party shall object to the practice that electronic documents can be used as legal evidence, and use the electronic communication and documentary records in our communication system as the final records.
You should also know that our security system devices filter attachments including but are not limited to the following suffixes: .rar,.text,.vbs,.mpeg,.mp3,.cmd,.cpl,.wav,.exe,.bat,.scr,.mpq,.avi,. com, .pif, .wma, mpa, and.mpg. Our company cannot receive emails with the attachments above, and the system will not send you a message telling you that they are filtered.
VII. Our fees
The charge for our company's insurance brokerage services is brokerage fees. Brokerage fees are charged as a certain percentage of the premium and paid by the insurer who signs the insurance contract with you.
Brokerage fees are usually obtained when the insurance contract takes effect. Unless otherwise agreed, our company has the right to retain the brokerage fees of the insurance contract arranged during the contract period, including the fact that your insurance contract has been terminated and the insurer refunds the net premium proportionally.
For your benefit, our company may use other parties in due course, such as other brokers or reinsurance intermediaries. These organizations may receive or receive commissions for their role in providing products and services to our company, or for providing services related to our company to you. When our company is divided with such a third party, we confirm that the premium you pay will not increase as a result.
VIII. Limit of liability
For breach of contract, negligence, breach of legal liability, or other compensation arising from or related to this notice, or other compensation arising from the provision of services, the cumulative liability limit of our company (including other institutions of our group, hereinafter referred to as "Wei Taoyue") is:
(i) No limit to personal injury or death caused by the negligence of Weiletaoyue;
(ii) Any fraudulent act (including theft or illegal embezzlement) or wilful breach of contract, unlimited;
(iii) For other claims, the cumulative liability of Verather is limited to three times the actual income obtained by Verather's services provided in the 12 months prior to the claim;
(iv) Under no circumstances shall Wei Laitaoyue bear any responsibility for any indirect losses.
IX. Data protection and confidentiality
Our company will always treat the information we have about you as confidential information. We will not disclose any information we have about you to others without your prior consent, unless: (i) we must disclose it according to the requirements of law or regulatory agencies; (ii) according to the insurer, surveyor, evaluator, IT service provider and administrative service provider and similar institutions Our company needs to disclose the requirements in time; (iii) we need to disclose the requirements of the evaluator, lawyer or other similar parties; (iv) make the necessary disclosures to other internal institutions or unaffiliated third-party service providers of Weiletaoyue to promote our own business and the aforementioned other business. and you agree that we and other companies mentioned above may preserve and process the above information in any country or region, including but not limited to the United Kingdom, the United States, India and the Philippines.
In addition to the above, you agree that we will obtain any "personal information" (including "sensitive personal information") as defined in the Personal Information Protection Law of the People's Republic of China ("Personal Information Protection Law") and information related to insurance contracts from the insurer. You agree (i) Our company can use your information for anonymous industry statistics and share it with third parties. Except on an anonymous basis and as an industry comparison, we will not disclose confidential information specifically for you without your consent; (ii) For your insurance arrangements, we share your information with the insurer.
Since the information you provide to our company contains "personal information" as defined by the Personal Information Protection Law, our company will always handle it in accordance with the relevant applicable information protection laws (including but not limited to the Personal Information Protection Law) and regulatory requirements in the manner specified in our privacy statement. You agree that we or other internal institutions of Wele Taoyue hold and process relevant personal information for the following purposes: (i) to provide services to you; (ii) for the needs of Weile Taoyue's business management, development or operation; (iii) in any country or region (outside China) (iv) In order to comply with applicable laws (including but not limited to personal information protection laws), prevent and detect fraud and financial crimes (including money laundering and terrorist financing), and cooperate with regulatory agencies, as stated in the Wei Laitaoyue Privacy Statement, as appropriate.
You agree that you will not provide any personal information (including sensitive personal information) unless you have ensured that all necessary consents meet the form and content requirements of applicable law and provide any notices required, or applicable laws (including but not limited to personal information protection laws) allow you to provide to us. . You agree that personal information (including sensitive personal information) can be legally used or disclosed by our company in the manner and purpose predetermined in this notice. You also need to ensure that the information you provide to our company is relevant to the above purposes and reliable, true, complete and up-to-date. If the data subject withdraws or agrees to change, you also need to notify us in time.
Upon request, you will provide us with reasonable assistance when we handle any requests, inquiries or complaints received from data subjects and/or regulatory agencies related to any personal information processed under this notice.
X. Business Ethics
Our company does not allow unethical behavior in its own activities and business development activities. Our company will abide by all applicable laws, regulations, rules and accounting standards.
XI. Sanctions Policy
Different businesses will apply different sanctions policies due to many complex situations, including ownership, transaction structure, control, geographical location and employee nationality. Under no circumstances can we provide you with legal or regulatory opinions on the applicability of the sanctions regime, nor can we guarantee or otherwise guarantee the situation of any insurer under the current or future sanctions regime. Therefore, the applicability of sanctions remains a matter of concern to you, and you should take the legal opinion you deem appropriate on it. If your insurance needs involve the sanctioned area or have anything to do with the sanctions, you should inform us.
We will comply with all applicable sanctions regimes and regulations (whether existing or in the future). If the applicable sanctions law requires it, our company may need to take certain measures, including but not limited to freezing the funds of institutions or individuals applying the relevant policies. We will not be responsible for the actions of third parties (including but not limited to banks and foreign exchange institutions) that may have their own sanctions policy restrictions and constraints.
XII. Connection
In China (except Hong Kong, Macao and Taiwan), our company and our senior managers are not related to insurance companies and other insurance intermediaries related to brokerage business.
XIII. Conflict of interest
Sometimes conflicts of interest may occur in the process of our company's handling other affairs. For example, our company may be entrusted by an insurer to hire a public assessor; or our company has two customers, who have conflicts of interest.
Our company has formulated conflict management procedures and tried our best to avoid conflicts of interest. But when conflicts are inevitable, our company will thoroughly explain our position and deal with such situations in accordance with the principle of not being partial to any party.
The insurance market is very complex, and there may be conflicts of interest caused by relationships not mentioned in this notice. In any case, our company is committed to your best interests. If the conflict of interest cannot be reasonably resolved, our company will withdraw unless you want our company to continue to provide you with services and agree in writing.
XIV. Complaints
If you complain about our services for any reason, you can contact our compliance supervisor at 11th Floor, Century Hui Building 1, 1198 Century Avenue, Shanghai, China, 200122. We will inform you of the person handling the complaint and submit to you our company's complaint handling procedures. If you are not satisfied with the result of the complaint handling, you have the right to appeal to our regulatory agency, at No. 15 Financial Street, Xicheng District, Beijing, China, China, Bank of China Insurance Regulatory Commission, Zip Code: 100140.
You can also call to evaluate our work. Complaint hotline 400-113-5118.
XV. Money laundering and proceeds of crime
In order to comply with the applicable anti-money laundering regulations, we may require customers to confirm (or reconfirm) their identity information. When you become a customer of our company, or after a period of time as a customer of our company, or when checking the insurance policy, our company may need you to confirm (or reconfirm) your identity information. Our company may share it with other agencies of Weilai Taoyue, or with regulatory agencies or law enforcement if necessary. Please note that we cannot disclose to you any reports of money laundering that we know or suspect, including the facts that have been reported.
Our company has established a special system to protect customers and ourselves from fraud or other criminal acts, and our company may use third-party services to identify and confirm customers. Customer information can be used to prevent crime and track those responsible. Our company may compare your details with the financial crime database. If erroneous or untrue information is provided, we may have to report these situations to the regulatory agencies that need to use this information.
16. Our company's service network
Shanghai Branch
Address: 11th Floor, Shijihui Building, No. 1198 Century Avenue, Pudong New District, Shanghai
Zip code: 200122
Tel: 021-50298088
Beijing Branch
Address: 18th Floor, West Tower, Gemini Building, No. B12 Jianguomenwai Street, Dongchang'an Street, Chaoyang District, Beijing
Zip code: 100022
Tel: 010-56572288
Guangzhou Branch
Address: Room 04B, 31st Floor, Yuehai Tianhecheng Building, No. 208 Tianhe Road, Tianhe District, Guangzhou
Zip code: 510620
Tel: 020-22081988
Shenzhen Branch
Address: Room 01 and 02, 8th Floor, Building 1, Kerry Construction Plaza, No. 1 Central Fourth Road, Futian District, Shenzhen
Zip code: 518048
Tel: 0755-23373999
Nanning Branch
Address: Room L, 30th Floor, Diwang International Chamber of Commerce Center, No. 59 Jinhu Road, Nanning City
Zip code: 530022
Tel: 0771-5530218
Hangzhou Branch
Address: Room 1408, Building 2, Qianjiang International Times Square, No. 111 Chengxing Road, Jianggan District, Hangzhou
Zip code: 310016
Tel: 0571-87633236
Chengdu Branch
Address: No. 1-2, 13th Floor, Chuanxin Building, No. 18, Section 2, Renmin South Road, Jinjiang District, Chengdu
Zip code: 610016
Tel: 028-82003922
Kunming Branch
Address: No. 1617, 16th Floor, East Building, Dongfang Baifeng First Business Center, No. 1 Nantong Street, Kunming City
Zip code: 650032
Tel: 0871-68274718
Nanjing Branch
Address: Room 1342, 13th Floor, Jinsili International Building, No. 169 Hanzhong Road, Qinhuai District, Nanjing
Zip code: 210009
Tel: 025-83347169
Xi'an Branch
Address: Room 10709, 7th Floor, Block C, Metropolitan Gate, No. 1 Jinye Road, Xi'an High-tech Zone
Zip code: 710065
Tel: 029-88337720
Jinan Branch
Address: Room 1528, 15th Floor, Luneng International Center, No. 2666 Erhuan South Road, Shizhong District, Jinan City
Zip code: 250003
Tel: 0531-85181107
Tianjin Branch
Address: Unit C, 7th Floor, Ping'an Building, No. 59 Racecourse Road, Hexi District, Tianjin
Zip code: 300050
Tel: 022-83866969
I hereby inform you!
Weilai Insurance Brokerage Co., Ltd.
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