Terms & Conditions
1. Membership Documentation
Bupa HK mobile application (the “App”) is offered, distributed and operated by Horizon Health and Care Limited (“Horizon”), a company registered in Hong Kong under the Bupa Group. “Horizon”, “we”, “our” and “us” refer to Horizon Health and Care Limited, and/or where appropriate, its related body corporates and affiliates.
Please read through carefully these Terms and Conditions and Horizon’s Privacy Notice (“Privacy Notice”). You are responsible for informing yourself of any changes in respect of the documents mentioned in this paragraph, our website and the App by reviewing regularly these pages.
Becoming a member of the App or your participation in the App shall mean you accept the following:
You have read and agreed to these Terms and Conditions applicable to our websites, online facilities, smart phone/tablet applications, and all materials and contents therein which are relevant to the App;
You consented to the collection, use (including without limitation, handling and processing) and disclosure of your personal information in accordance with Privacy Notice; and
You acknowledged and agreed that we may amend these Terms and Conditions and Privacy Notice at any time and agreed to be bound by these documents as amended and any other rules, policies or procedures that may be adopted, implemented or varied by us from time to time. We have the sole discretion to apply, disapply and interpret these Terms and Conditions, Horizon Privacy Notice and any other rules, policies or procedures.
By subscribing to our marketing communications during your registration on the App, you acknowledge and agree that your personal data may be shared with any member or brand of Group Companies and our partners (within or outside of Hong Kong) for marketing purposes as described in the Privacy Notice. You may receive emails, SMS, instant messenger messages, mailings or promotional materials from us, our Group Companies and/or or our partners with respect to their own products and services. You may opt out of receiving such materials by advising us. However, if you choose to opt out, you will not be able to receive useful information about rewards under the App. For details, please refer to the Privacy Notice.
Bupa HK mobile application (the “App”) is offered, distributed and operated by Horizon Health and Care Limited (“Horizon”), a company registered in Hong Kong under the Bupa Group. “Horizon”, “we”, “our” and “us” refer to Horizon Health and Care Limited, and/or where appropriate, its related body corporates and affiliates.
Please read through carefully these Terms and Conditions and Horizon’s Privacy Notice (“Privacy Notice”). You are responsible for informing yourself of any changes in respect of the documents mentioned in this paragraph, our website and the App by reviewing regularly these pages.
Becoming a member of the App or your participation in the App shall mean you accept the following:
You have read and agreed to these Terms and Conditions applicable to our websites, online facilities, smart phone/tablet applications, and all materials and contents therein which are relevant to the App;
You consented to the collection, use (including without limitation, handling and processing) and disclosure of your personal information in accordance with Privacy Notice; and
You acknowledged and agreed that we may amend these Terms and Conditions and Privacy Notice at any time and agreed to be bound by these documents as amended and any other rules, policies or procedures that may be adopted, implemented or varied by us from time to time. We have the sole discretion to apply, disapply and interpret these Terms and Conditions, Horizon Privacy Notice and any other rules, policies or procedures.
By subscribing to our marketing communications during your registration on the App, you acknowledge and agree that your personal data may be shared with any member or brand of Group Companies and our partners (within or outside of Hong Kong) for marketing purposes as described in the Privacy Notice. You may receive emails, SMS, instant messenger messages, mailings or promotional materials from us, our Group Companies and/or or our partners with respect to their own products and services. You may opt out of receiving such materials by advising us. However, if you choose to opt out, you will not be able to receive useful information about rewards under the App. For details, please refer to the Privacy Notice.
2. Eligibility of Membership
You may apply for the App membership if you satisfy the following requirements:
A. You must be at least 18 years old.
B. Each person is entitled to one membership account only. The membership account is solely for personal use of the member who has signed up for it, and you must not offer or allow any person to access or use your account. Membership account is non-transferable.
C. You must ensure that the information you submit for membership registration is authentic, accurate, complete, not misleading and without any fraud. You must provide a correct and valid email address or mobile phone number to receive membership related messages. You must be the legitimate owner of the email address or registered mobile number provided. We take no responsibility for any undelivered SMS, app notifications or emails.
You may apply for the App membership if you satisfy the following requirements:
A. You must be at least 18 years old.
B. Each person is entitled to one membership account only. The membership account is solely for personal use of the member who has signed up for it, and you must not offer or allow any person to access or use your account. Membership account is non-transferable.
C. You must ensure that the information you submit for membership registration is authentic, accurate, complete, not misleading and without any fraud. You must provide a correct and valid email address or mobile phone number to receive membership related messages. You must be the legitimate owner of the email address or registered mobile number provided. We take no responsibility for any undelivered SMS, app notifications or emails.
3. The App Membership
The app membership can start on any day of the calendar year. There are three types of membership, namely, Basic, Basic+ and Elite.
A. Basic
I. Any individual who satisfies the membership eligibility stated in Clause 2 of these Terms and Conditions may apply for as a Basic member by completing registration on the App.
II. The Basic membership shall remain valid unless it is terminated pursuant to Clause 8 of these Terms and Conditions.
B. Basic+
I. You must be an insured member of an active group insurance policy underwritten by Bupa (Asia) Limited eligible for Basic+ membership to apply as a Basic+ member.
II. You must connect your myBupa account to the App to verify the policy information and membership eligibility, which will be available on and after the policy effective date of the eligible Bupa (Asia) Limited insurance plan.
III. Membership can be renewed annually subject to these Terms and Conditions.
C. Elite
I. The Elite membership includes two categories, Elite Individual and Elite Group.
II. Elite Individual must be a policyowner or insured member of an existing eligible insurance plan underwritten by Bupa (Asia) Limited. Elite Group must be an insured member of an active group insurance policy underwritten by Bupa (Asia) Limited eligible for Elite membership.
III. You must connect your myBupa account to the App to verify the policy information and membership eligibility, which will be available on and after the policy effective date of the eligible Bupa (Asia) Limited insurance plan.
IV. Membership can be renewed annually subject to these Terms and Conditions.
Memberships of any category (i.e. Basic Member, Basic+ Member, Elite Individual and Elite Group) may be concurrent where an individual holds more than one eligible insurance policy with Bupa (Asia) Limited.
Membership is granted at our sole and absolute discretion, and we reserve the right to refuse any membership application, or to terminate or discontinue membership and may not provide any reason of such refusal.
We may, in our sole and absolute discretion, offer exclusive membership to certain individuals who do not meet all of the eligibility criteria under Clause 2 of these Terms and Conditions. Such exclusive membership is subject to qualifying rules and requirements set by us in our sole discretion from time to time.
The app membership can start on any day of the calendar year. There are three types of membership, namely, Basic, Basic+ and Elite.
A. Basic
I. Any individual who satisfies the membership eligibility stated in Clause 2 of these Terms and Conditions may apply for as a Basic member by completing registration on the App.
II. The Basic membership shall remain valid unless it is terminated pursuant to Clause 8 of these Terms and Conditions.
B. Basic+
I. You must be an insured member of an active group insurance policy underwritten by Bupa (Asia) Limited eligible for Basic+ membership to apply as a Basic+ member.
II. You must connect your myBupa account to the App to verify the policy information and membership eligibility, which will be available on and after the policy effective date of the eligible Bupa (Asia) Limited insurance plan.
III. Membership can be renewed annually subject to these Terms and Conditions.
C. Elite
I. The Elite membership includes two categories, Elite Individual and Elite Group.
II. Elite Individual must be a policyowner or insured member of an existing eligible insurance plan underwritten by Bupa (Asia) Limited. Elite Group must be an insured member of an active group insurance policy underwritten by Bupa (Asia) Limited eligible for Elite membership.
III. You must connect your myBupa account to the App to verify the policy information and membership eligibility, which will be available on and after the policy effective date of the eligible Bupa (Asia) Limited insurance plan.
IV. Membership can be renewed annually subject to these Terms and Conditions.
Memberships of any category (i.e. Basic Member, Basic+ Member, Elite Individual and Elite Group) may be concurrent where an individual holds more than one eligible insurance policy with Bupa (Asia) Limited.
Membership is granted at our sole and absolute discretion, and we reserve the right to refuse any membership application, or to terminate or discontinue membership and may not provide any reason of such refusal.
We may, in our sole and absolute discretion, offer exclusive membership to certain individuals who do not meet all of the eligibility criteria under Clause 2 of these Terms and Conditions. Such exclusive membership is subject to qualifying rules and requirements set by us in our sole discretion from time to time.
4. Membership Fee
We reserve the right to charge a membership fee annually and to vary the amount of the membership fee from time to time. The cost of the membership fee will be advised to you on your initial application or prior to your annual renewal date (as the case may be).
The membership fee will be payable to us annually on or before your membership fee due date by using such payment methods permitted by us. Membership fees will be collected independently and separately from the premiums of your insurance policy(ies) which are determined and administered by Bupa (Asia) Limited.
For memberships offered under a group policy, your employer will pay your membership fee unless otherwise.
We reserve the right to charge a membership fee annually and to vary the amount of the membership fee from time to time. The cost of the membership fee will be advised to you on your initial application or prior to your annual renewal date (as the case may be).
The membership fee will be payable to us annually on or before your membership fee due date by using such payment methods permitted by us. Membership fees will be collected independently and separately from the premiums of your insurance policy(ies) which are determined and administered by Bupa (Asia) Limited.
For memberships offered under a group policy, your employer will pay your membership fee unless otherwise.
5. Rewards
5.1 General information
The App provides rewards exclusively to the App Members. Rewards may include discounts, offers, cash back rewards and other rewards relating to products and/or services offered by us, our partners or third party from time to time.
App Members may redeem rewards through the Marketplace feature using Blua Points accumulated in the App, cash or a combination of Blua Points and cash, subject to the applicable reward guide, availability, eligibility requirements and any partner or third-party terms and conditions. Occasionally, we may give rewards to you at our sole discretion. Please follow the redemption instructions provided with our notifications.
You will be eligible to access rewards once you have activated your membership. Rewards are for personal use only and must not be used for any commercial purpose.
Certain rewards or discounts may not be applied at the point of sale and may instead be provided as rebates by electronic funds transfer or vouchers or such other methods as we may determine time to time at our sole discretion, subject to the applicable reward guide and applicable laws.
5.2 Fees for using rewards
Additional fees, including but not limited to, activation fees, surcharges, monthly fees and subscription fees, may apply to certain rewards. Such fees may be charged by us or the relevant partner or third party, and are subject to the applicable reward guide and any partner or third party terms and conditions. Where practicable, we may notify you of any fee introduction or increase via electronic means, including by email to your email address last notified to us, or by posting details on our website or the App, or through such other method as we consider appropriate.
5.3 Important notes about rewards
We do not make any warranty, whether express or implied, including availability, quality, suitability, or performance of any rewards, products or services provided by our partners or third parties.
To the maximum extent permitted by law, we are not responsible or liable for any direct or indirect loss, cost or expense arising from any App Member’s use of, reliance on, or inability to use, any reward, product or service, or from any partner withdrawal, service discontinuation, reward change or cancellation.
The use and redemption of the rewards are subject to the relevant partner’s or third party’s terms and conditions, and any related dispute about must be resolved directly with them.
5.1 General information
The App provides rewards exclusively to the App Members. Rewards may include discounts, offers, cash back rewards and other rewards relating to products and/or services offered by us, our partners or third party from time to time.
App Members may redeem rewards through the Marketplace feature using Blua Points accumulated in the App, cash or a combination of Blua Points and cash, subject to the applicable reward guide, availability, eligibility requirements and any partner or third-party terms and conditions. Occasionally, we may give rewards to you at our sole discretion. Please follow the redemption instructions provided with our notifications.
You will be eligible to access rewards once you have activated your membership. Rewards are for personal use only and must not be used for any commercial purpose.
Certain rewards or discounts may not be applied at the point of sale and may instead be provided as rebates by electronic funds transfer or vouchers or such other methods as we may determine time to time at our sole discretion, subject to the applicable reward guide and applicable laws.
5.2 Fees for using rewards
Additional fees, including but not limited to, activation fees, surcharges, monthly fees and subscription fees, may apply to certain rewards. Such fees may be charged by us or the relevant partner or third party, and are subject to the applicable reward guide and any partner or third party terms and conditions. Where practicable, we may notify you of any fee introduction or increase via electronic means, including by email to your email address last notified to us, or by posting details on our website or the App, or through such other method as we consider appropriate.
5.3 Important notes about rewards
We do not make any warranty, whether express or implied, including availability, quality, suitability, or performance of any rewards, products or services provided by our partners or third parties.
To the maximum extent permitted by law, we are not responsible or liable for any direct or indirect loss, cost or expense arising from any App Member’s use of, reliance on, or inability to use, any reward, product or service, or from any partner withdrawal, service discontinuation, reward change or cancellation.
The use and redemption of the rewards are subject to the relevant partner’s or third party’s terms and conditions, and any related dispute about must be resolved directly with them.
6. Blua Points
6.1 Awarding
Blua Points will be awarded to you in accordance with the terms and conditions as determined by us and the relevant partners from time to time. We assume no responsibility or liability as to the awarding of points or posting of transactions into your membership account by the partners.
You shall notify us any disputes in connection with or arising from the points awarded within 30 days from the date of activity, either by email at cs@bluahealth.com.hk or by calling (852) 3572 0077. Our decision on any such dispute shall be final and conclusive. The points record will be taken to be final and binding on you if we do not receive any notification from you within the stipulated timeframe.
6.2 Accumulation and allocation
Blua Points will be credited to your wallet in the App. There are two types of wallets: the Individual Wallet for Basic and Elite Individual members, and the Group Wallet for Elite Group members.
Once you have registered your account on the App with a Basic membership, you can start earning and storing Blua Points in the Individual wallet. If you have become an Elite Individual member later, there will be no change to your Individual wallet. Blua Points earned before and after becoming an Elite Individual Member will remain in the same Individual wallet.
If you are hold both Elite Individual, Basic+ and/or Elite Group memberships, both Individual and Group wallets are available to you. You are required to select your default wallet at your first login after your Basic+ and/or Elite Group membership is granted. Despite your choice of default wallet, there are certain Blua Points especially available to Basic+ and/or Elite Group members can only be earned and stored in the Group Wallet. You cannot transfer Blua Points between your Individual Wallet and Group Wallet. Upon termination of your Basic+ and/or Elite Group membership, your Group Wallet will be closed and any unused Blua Points will be forfeited.
If you have concurrent memberships, Blua Points may store in different wallets under certain circumstances. The following table shows a few examples for illustration:
6.1 Awarding
Blua Points will be awarded to you in accordance with the terms and conditions as determined by us and the relevant partners from time to time. We assume no responsibility or liability as to the awarding of points or posting of transactions into your membership account by the partners.
You shall notify us any disputes in connection with or arising from the points awarded within 30 days from the date of activity, either by email at cs@bluahealth.com.hk or by calling (852) 3572 0077. Our decision on any such dispute shall be final and conclusive. The points record will be taken to be final and binding on you if we do not receive any notification from you within the stipulated timeframe.
6.2 Accumulation and allocation
Blua Points will be credited to your wallet in the App. There are two types of wallets: the Individual Wallet for Basic and Elite Individual members, and the Group Wallet for Elite Group members.
Once you have registered your account on the App with a Basic membership, you can start earning and storing Blua Points in the Individual wallet. If you have become an Elite Individual member later, there will be no change to your Individual wallet. Blua Points earned before and after becoming an Elite Individual Member will remain in the same Individual wallet.
If you are hold both Elite Individual, Basic+ and/or Elite Group memberships, both Individual and Group wallets are available to you. You are required to select your default wallet at your first login after your Basic+ and/or Elite Group membership is granted. Despite your choice of default wallet, there are certain Blua Points especially available to Basic+ and/or Elite Group members can only be earned and stored in the Group Wallet. You cannot transfer Blua Points between your Individual Wallet and Group Wallet. Upon termination of your Basic+ and/or Elite Group membership, your Group Wallet will be closed and any unused Blua Points will be forfeited.
If you have concurrent memberships, Blua Points may store in different wallets under certain circumstances. The following table shows a few examples for illustration:
6.3 Validity and expiry
The earned Blua Points will expire on specific date depending on the wallet where the Blua Points are stored.
Blua Points that are earned stored in the Individual Wallet during the calendar year will expire on 31st January of the following calendar year.
For Blua Points earned and stored in the Group Wallet, there will be two expiry dates in each year, 31st July and 31st January. For Blua Points earned between 31st January to 30th June, they will expire on 31st January of the following calendar year. For Blua Points earned between 31st July to 31st December, they will expire on 31st July of the following calendar year.
The table below sets out the relevant dates for illustration:
6.4 No transfer of rights
The membership of the App is personal to you and shall not be assigned at law or in equity. You cannot transfer, assign, sell, barter or pledge your membership rights or rights to rewards to any other person.
Blua Points earned through the App are not transferrable to any other health and wellness programmes or membership schemes operated by any member of the Bupa Group anywhere in the world, and vice versa.
The membership of the App is personal to you and shall not be assigned at law or in equity. You cannot transfer, assign, sell, barter or pledge your membership rights or rights to rewards to any other person.
Blua Points earned through the App are not transferrable to any other health and wellness programmes or membership schemes operated by any member of the Bupa Group anywhere in the world, and vice versa.
7. Changes to the App, Partners and Rewards
We have the sole and absolute discretion, with or without prior notice, in whole or in part, to (1) make changes to any aspect of the App including partners, rewards structure and requirements, these Terms and Conditions and Horizon Privacy Notice, and (2) terminate, suspend or cancel the App at any time.
The revised version of these Terms and Conditions shall be effective as at the date of publication on our website and/or the App. You will be deemed to accept all amendments to these Terms and Conditions by continuous subscription or participation in the App.
We have the sole and absolute discretion, with or without prior notice, in whole or in part, to (1) make changes to any aspect of the App including partners, rewards structure and requirements, these Terms and Conditions and Horizon Privacy Notice, and (2) terminate, suspend or cancel the App at any time.
The revised version of these Terms and Conditions shall be effective as at the date of publication on our website and/or the App. You will be deemed to accept all amendments to these Terms and Conditions by continuous subscription or participation in the App.
8. Termination of Membership
8.1 Automatic termination
Your membership will be terminated automatically on the happening of any of the following events, whichever is the earliest:
A. Basic
I. In the event of death of the App Member; or
II. The App account has been inactive for 2 consecutive years.
B. Basic+
I. When you are no longer an insured member under any eligible group policy underwritten by Bupa (Asia) Limited.
C. Elite
I. In the case of an Elite Individual member, when you are no longer the policyowner or insured person of any eligible Bupa (Asia) Limited insurance plan; or
II. In the case of an Elite Group member, when you are no longer an insured member under any eligible group policy underwritten by Bupa (Asia) Limited.
8.2 Termination by you
You may terminate your membership through “My profile” page on the App at any time.
8.3 Termination by us
We reserve the right to terminate, suspend or deactivate your membership (in whole or in part, including your access and right to utilise one or more of the rewards), for reasons including but not limited to the following:
A. if your account has been inactive for 2 consecutive years;
B. if we detect or suspect that there is any potential or actual breach by you of these Terms and Conditions or of any reward guides;
C. if we believe that you are abusing or misusing the App, or the rewards or privileges of the App; or
D. if we believe that you are doing anything detrimental to our interest or reputation.
We reserve the right, in our sole discretion and without prior notice, to amend, suspend or terminate the App and any aspect thereof, including its content, memberships, eligibility requirements, rewards, Blua Points programme, features, benefits and these Terms and Conditions, at any time. Without limiting the foregoing, we may modify, restrict or discontinue any benefit, privilege, entitlement, reward or feature, including the ability to earn, accrue, redeem or retain Blua Points or rewards. If a membership is terminated for any reason, all accumulated and unredeemed Blua Points and rewards associated with that membership shall automatically lapse and be forfeited without compensation.
8.4 Events following termination of your Membership
If your membership is terminated for any reason, all your rights under the App including rewards and Blua Points will be forfeited upon the termination of your membership. A notification email of termination will be sent to the email address you have provided to us. We shall keep your personal data for 2 years in compliance with legal requirements. Thereafter, we shall safely delete or destroy your personal data and records.
8.1 Automatic termination
Your membership will be terminated automatically on the happening of any of the following events, whichever is the earliest:
A. Basic
I. In the event of death of the App Member; or
II. The App account has been inactive for 2 consecutive years.
B. Basic+
I. When you are no longer an insured member under any eligible group policy underwritten by Bupa (Asia) Limited.
C. Elite
I. In the case of an Elite Individual member, when you are no longer the policyowner or insured person of any eligible Bupa (Asia) Limited insurance plan; or
II. In the case of an Elite Group member, when you are no longer an insured member under any eligible group policy underwritten by Bupa (Asia) Limited.
8.2 Termination by you
You may terminate your membership through “My profile” page on the App at any time.
8.3 Termination by us
We reserve the right to terminate, suspend or deactivate your membership (in whole or in part, including your access and right to utilise one or more of the rewards), for reasons including but not limited to the following:
A. if your account has been inactive for 2 consecutive years;
B. if we detect or suspect that there is any potential or actual breach by you of these Terms and Conditions or of any reward guides;
C. if we believe that you are abusing or misusing the App, or the rewards or privileges of the App; or
D. if we believe that you are doing anything detrimental to our interest or reputation.
We reserve the right, in our sole discretion and without prior notice, to amend, suspend or terminate the App and any aspect thereof, including its content, memberships, eligibility requirements, rewards, Blua Points programme, features, benefits and these Terms and Conditions, at any time. Without limiting the foregoing, we may modify, restrict or discontinue any benefit, privilege, entitlement, reward or feature, including the ability to earn, accrue, redeem or retain Blua Points or rewards. If a membership is terminated for any reason, all accumulated and unredeemed Blua Points and rewards associated with that membership shall automatically lapse and be forfeited without compensation.
8.4 Events following termination of your Membership
If your membership is terminated for any reason, all your rights under the App including rewards and Blua Points will be forfeited upon the termination of your membership. A notification email of termination will be sent to the email address you have provided to us. We shall keep your personal data for 2 years in compliance with legal requirements. Thereafter, we shall safely delete or destroy your personal data and records.
9. Other Important Information
9.1 Communication of the App
You acknowledge and agree that we may from time to time contact you and send you documents and other information via electronic transmission (e.g. email), mail, SMS, MMS, telephone, fax and other means of communication in respect of your membership and participation in the App as described in the Privacy Notice.
You agree that any notice or material are deemed to have been provided to you if it is uploaded to our website and/or the App or if it is sent to the email or physical mail address last notified to us by you. You are responsible for advising us of any change in your contact details, and in particular ensuring that your email address remains current and unblocked and that communications from us are not filtered or placed in a location where you do not see them. We shall not be liable for failure to deliver a notice to you or correspondence lost or destroyed.
9.2 Disclosure of information
You agree that any information provided by you for use in the App is voluntary for your membership and participation in the App. By taking part in the App, you consent us to access, use and store your health and wellness data (for example “steps” data) as collected by us from your selected third-party health and fitness app/device via the App in accordance with Privacy Notice.
You agree that any information provided by you for use in the App shall not constitute disclosure of information in respect of any insurance policy between you and Bupa (Asia) Limited for application or any other purposes. The fact that you have provided certain information in the App does not discharge your obligation to disclose all information relevant and material to insurance coverage and claims under an insurance policy with Bupa (Asia) Limited.
If you have an App membership because you are insured under a group medical insurance policy, we shall not provide your personal health or medical related information to your employer. Any information provided to your employer will be, as far as possible, in an aggregate format on an anonymous basis.
Your continued use of and/or access to our products, services, and/or digital portals from locations or countries outside Hong Kong means that you are giving your explicit consent for your personal information to be received, transferred, used, stored, processed, disclosed, and shared outside those locations or countries for the purposes and with the types of transferees set out in the Privacy Notice.
9.3 Tools and Monitoring
We may deploy data analytics tool to monitor the App’s usage to provide us with information to operate, evaluate and improve the App and our services and understand your preferences. We may also collect and use technical data and related information including but not limited to technical information about your device (e.g. its system and application software) to facilitate the provision of updates, product support, and other services to you related to the App. Any personal data collected pursuant to this paragraph will be subject to the Privacy Notice.
The functions within the App may involve third party software or services for which we make no warranties and assume no obligation or responsibility to it. Your use shall signify your acceptance of the third-party terms and conditions and privacy policies.
To the extent permitted by law, we shall accept no responsibility or liability under tort (including negligence), breach of contract or otherwise, for death or personal injury, loss, damage, costs or expenses howsoever occasioned, sustained or suffered, as a result of or in connection with the use of third party software or services.
9.4 New Features
The App may introduce new features from time to time. Access to or use of certain features may be subject to additional terms and conditions, which will be made available to you when you access, activate or use those features. Such additional terms and conditions shall supplement and form part of these Terms and Conditions and shall be read together with them. In the event of any inconsistency, the additional terms and conditions shall prevail to the extent of the inconsistency in relation to the relevant feature.
9.5 myBupa
Your use of myBupa, operated by Bupa (Asia) Limited, is governed by the terms and conditions set out in myBupa’s own Terms and Conditions.
While the App is offered, distributed and operated by Horizon Health and Care Limited, myBupa, its insurance-related services and functionalities, which are available through the App, are provided by Bupa (Asia) Limited. Horizon Health and Care Limited and Bupa (Asia) Limited are companies registered in Hong Kong under the Bupa Group. Horizon Health and Care Limited is not a licensed insurance agent of Bupa (Asia) Limited, nor does it represent Bupa (Asia) Limited in conducting any insurance activities. The availability of myBupa and such insurance-related services and functionalities through the App does not constitute and should not be construed as Horizon Health and Care Limited conducting any Regulated Activities as defined under the Insurance Ordinance, Chapter 41 of the Laws of Hong Kong, or carrying on any insurance activities.
9.6 Links to Third Party Websites
We may provide links to other websites or resources maintained by unrelated companies and persons on the App. We do not monitor the contents of the linked sites and have no control over them. We are not responsible for the content or material of any linked site or any links contained in a linked site, or any changes or updates to such linked sites. We are providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by us of the linked site or any association with its operator. Your access and use of such linked sites remains entirely at your own risk and you agree that we shall not be responsible or liable for any loss or damage of any kind incurred as a result of the use of the services or the content of any linked site.
9.7 Use of Biometric Authentication Service
Biometric Authentication Service provides an alternative means for you to use your biometric credentials as a security code to confirm your identity to access your App account through the app with the permitted mobile device, in lieu of using your email address and password. You may still use your email address and password to log in to the App.
You acknowledge and agree that in order to use Biometric Authentication Service:
A. You must hold a valid App account;
B. You must install the App using a permitted mobile device;
C. You will need to activate biometric function on your permitted mobile device and register at least one of your biometric credentials to control access to the permitted mobile device;
D. You will be required to undergo a registration process to choose to use the biometric credentials you store on your permitted mobile device for accessing your App account; upon successful registration process, you may use your biometric credentials stored on your permitted mobile device to confirm your identity for accessing your App account;
E. You must ensure that only your biometric credentials are stored on your permitted mobile device to access the device and you understand that upon the successful registration of your permitted mobile device, any biometric credentials that are stored on your permitted mobile device can be used to access and operate your App account; and
F. It is your sole responsibility to take all reasonable security measures to prevent the unauthorised use of Biometric Authentication Service; you should ensure the security of the security codes as well as the password or code that you use to register your biometric credentials on the permitted mobile device.
G. You should not use face authentication module if you have an identical twin sibling, in which case you are recommended instead to use your email address and password to log in the App;
H. You should not use face authentication module if you are an adolescence while your facial features may be undergoing a rapid stage of development, in which case you are recommended to instead use your email address and password to log in the App; and
I. You should not take any action to disable any function provided by, and/or agreeing to any settings of, your mobile device that would otherwise compromise the security of the use of your logon credentials for authentication purposes (e.g. disabling “attention-aware” for face recognition).
J. You must not access or use the App via any device that you are not authorised to use, or a device where software restrictions or privileges have been obtained illegally or without authorisation (for example, jailbroken or rooted devices).
You may choose to access the App using your email address and password at any time.
Each time the App detects the use of biometric credentials registered on a permitted mobile device on which you have registered for Biometric Authentication Service to access the App, you are deemed to have logged in to your App account.
You acknowledge that the authentication is performed by the App by interfacing with the biometric authentication module on the permitted mobile device and that you agree to the authentication process. We are duly authorised to verify your identity by the biometric credentials registered on your permitted mobile device instead of your other logon credentials.
9.8 Abuse of the App privilege
We offer you an App membership based on mutual trust. If we detect or suspect any dishonest or fraudulent activity or misconduct by you or anyone acting on behalf of you in relation to the App (including but not limited to use of the app and/or platform, privilege or reward), we may take any action which we consider necessary to protect our legal rights, including but not limited to suspend or forfeit any reward which have or have not been received by you or terminate your membership.
9.9 Exclusion of liabilities
By agreeing to these Terms and Conditions you agree to indemnify us, our respective officers, employees, directors, agents, advisers, partners and/or contractors against any and all loss, damage, claim or expense (including but not limited to indirect, incidental, special, punitive or consequential liability, economic loss, loss of profits and loss of opportunity) that any of them may incur or suffer that arises directly or indirectly out of these Terms and Conditions, any other governing documentation mentioned in Clause 1 of these Terms and Conditions and/or the App (regardless of whether we have any control over circumstances giving rise to the claim or not).
To the maximum extent permitted by law, we and/or our respective officers, employees, directors, agents, advisers, partners and/or contractors shall not be liable for any loss, damage, claim or expense (including but not limited to indirect, incidental, special, punitive or consequential liability, economic loss, loss of profits and loss of opportunity) you, your beneficiaries or any third parties may incur or suffer that arises directly or indirectly out of these Terms and Conditions, any other governing documentation mentioned in Clause 1 of these Terms and Conditions or the App (regardless of whether we have any control over circumstances giving rise to the claim or not). If we are liable to you in any way, our maximum liability shall be limited to the number of Blua Points which we consider is appropriate to be allocated to your Membership in connection with which the relevant claim arose.
We disclaim all express or implied warranties including, but not limited to, warranties of availability, price, satisfactory quality, merchantability and fitness for a particular purpose. We shall not be liable for any damage or loss of any kind directly or indirectly arising from or in connection with the App, any information, software, products, services, rewards or content obtained through the App, or your dealings with our partners and third-party service providers available through the App.
We shall not be liable for any disruption to the App or any delay to or inability to provide any of the rewards caused by circumstances beyond our control including, but not limited to, failure of any third party, strikes, riots, social unrest, acts of God, flood, natural disaster, storm, fire, lightning, epidemics, pandemics, war, hostilities (whether war be declared or not), terrorism, military or civil disturbance.
Any third-party links on any of our mobile application, websites, communication channels and social media does not imply any approval or endorsement by us. We have no control over the content of those sites and accept no responsibility or liability in respect of them.
You must evaluate and bear all risks associated with the use of the content downloaded and acquired through our/third party mobile application and websites. We shall not be liable for any damage or loss of any kind directly or indirectly arising from or in connection with your use or inability to access our mobile application /website /third party links and/or use any related documents.
We reserve the right to provide any tax authorities with full details of any person’s accrual and redemption of rewards, upon request of a tax authority of applicable jurisdiction. We shall not be liable for cooperating with relevant tax authorities in this matter.
The material provided on any of our mobile application /websites, communication channels and social media, including all text, photographs, images, illustrations, graphics, audios and videos, is provided by way of general information only and shall not be construed as medical, health and fitness, insurance-related or otherwise any kind of advice. Whilst we, our holding company, subsidiaries, affiliates and joint venture partners, endeavour to ensure that the material contents are accurate, errors or omissions may occur and we do not accept any liability in respect of them.
We recommend that you consult with your healthcare professional before you follow any health and fitness recommendation you may receive from the App, our websites, communication channels and social media. We are not a licensed healthcare service provider and have no expertise in diagnosing, examining, or treating medical conditions of any kind, or in determining the effect of any specific exercise on a medical condition. The App does not and we do not provide any medical advice or treatment. The App is not intended to be a substitute or an instruction for professional medical advice, diagnosis, treatment or management of care. Please consult your healthcare professional for any health-related issues and contact your healthcare professional immediately in case of an emergency. Neither the App nor we intend to provide insurance-related advice or to conduct any regulated activity. The information and content provided by us or otherwise available on our platform is for informational purpose only and should not be considered professional advice or guidance. Any decisions regarding insurance or financial products should be made solely by you in consultation with a qualified professional, and we shall not be held liable for any decisions made based on the information provided on our platform.
You expressly agree that your activities carry certain inherent and significant risks of property damage, bodily injury or death and that you voluntarily assume all known and unknown risks associated with these activities even if caused in whole or part by the action, inaction or negligence of us or third parties. You also expressly agree that we do not assume responsibility for the inspection, supervision, preparation, or conduct of any race, contest, group athletic activity or event that may or may not earn you reward points.
If you start to feel unwell at any time after trying the workout or exercise, stop immediately and seek further advice from your healthcare professionals. Do not disregard, avoid or delay obtaining health or medical related advice from your healthcare professional because of what you may have read on the App, our websites, communication channels and social media. We shall not be held responsible for any injuries and/or damages that may result from your participation in the workout or exercise or any health and wellness programme, of which the information has been provided to or shared with you on the App, our websites, communication channels and/or social media.
9.10 Third party rights
A person who is not a party to these Terms and Conditions or any other documentation issued by us in relation to the App shall have no right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623 of the Laws of Hong Kong) to enforce any of their terms.
9.11 Severance
If any provision of these Terms and Conditions is prohibited by law or judged by a court or tribunal to be unlawful, void or unenforceable, the provision shall, to the extent required, be severed from these Terms and Conditions and rendered ineffective as far as possible without modifying the remaining provisions, and shall not in any way affect any other circumstances of or the validity or enforcement of these Terms and Conditions.
9.12 Waiver
No failure or delay by us in exercising any or enforcing any right, power or privilege shall impair the same or operate as a waiver of the same nor shall any single or partial exercise of any right, power or privilege preclude any further exercise of the same or the exercise of any other right, power or privilege.
9.13 Law and jurisdiction
These Terms and Conditions, the use of the App and the relationship between you and us are governed by Hong Kong laws. By joining the App, you agree to submit to the exclusive jurisdiction of the Hong Kong courts.
In case of inconsistency or conflict in meaning between the English version and Chinese version of these Terms and Conditions, the English version shall prevail. Our decision shall be final and conclusive in the event of dispute.
Issued by Horizon Health and Care Limited
July 2026
9.1 Communication of the App
You acknowledge and agree that we may from time to time contact you and send you documents and other information via electronic transmission (e.g. email), mail, SMS, MMS, telephone, fax and other means of communication in respect of your membership and participation in the App as described in the Privacy Notice.
You agree that any notice or material are deemed to have been provided to you if it is uploaded to our website and/or the App or if it is sent to the email or physical mail address last notified to us by you. You are responsible for advising us of any change in your contact details, and in particular ensuring that your email address remains current and unblocked and that communications from us are not filtered or placed in a location where you do not see them. We shall not be liable for failure to deliver a notice to you or correspondence lost or destroyed.
9.2 Disclosure of information
You agree that any information provided by you for use in the App is voluntary for your membership and participation in the App. By taking part in the App, you consent us to access, use and store your health and wellness data (for example “steps” data) as collected by us from your selected third-party health and fitness app/device via the App in accordance with Privacy Notice.
You agree that any information provided by you for use in the App shall not constitute disclosure of information in respect of any insurance policy between you and Bupa (Asia) Limited for application or any other purposes. The fact that you have provided certain information in the App does not discharge your obligation to disclose all information relevant and material to insurance coverage and claims under an insurance policy with Bupa (Asia) Limited.
If you have an App membership because you are insured under a group medical insurance policy, we shall not provide your personal health or medical related information to your employer. Any information provided to your employer will be, as far as possible, in an aggregate format on an anonymous basis.
Your continued use of and/or access to our products, services, and/or digital portals from locations or countries outside Hong Kong means that you are giving your explicit consent for your personal information to be received, transferred, used, stored, processed, disclosed, and shared outside those locations or countries for the purposes and with the types of transferees set out in the Privacy Notice.
9.3 Tools and Monitoring
We may deploy data analytics tool to monitor the App’s usage to provide us with information to operate, evaluate and improve the App and our services and understand your preferences. We may also collect and use technical data and related information including but not limited to technical information about your device (e.g. its system and application software) to facilitate the provision of updates, product support, and other services to you related to the App. Any personal data collected pursuant to this paragraph will be subject to the Privacy Notice.
The functions within the App may involve third party software or services for which we make no warranties and assume no obligation or responsibility to it. Your use shall signify your acceptance of the third-party terms and conditions and privacy policies.
To the extent permitted by law, we shall accept no responsibility or liability under tort (including negligence), breach of contract or otherwise, for death or personal injury, loss, damage, costs or expenses howsoever occasioned, sustained or suffered, as a result of or in connection with the use of third party software or services.
9.4 New Features
The App may introduce new features from time to time. Access to or use of certain features may be subject to additional terms and conditions, which will be made available to you when you access, activate or use those features. Such additional terms and conditions shall supplement and form part of these Terms and Conditions and shall be read together with them. In the event of any inconsistency, the additional terms and conditions shall prevail to the extent of the inconsistency in relation to the relevant feature.
9.5 myBupa
Your use of myBupa, operated by Bupa (Asia) Limited, is governed by the terms and conditions set out in myBupa’s own Terms and Conditions.
While the App is offered, distributed and operated by Horizon Health and Care Limited, myBupa, its insurance-related services and functionalities, which are available through the App, are provided by Bupa (Asia) Limited. Horizon Health and Care Limited and Bupa (Asia) Limited are companies registered in Hong Kong under the Bupa Group. Horizon Health and Care Limited is not a licensed insurance agent of Bupa (Asia) Limited, nor does it represent Bupa (Asia) Limited in conducting any insurance activities. The availability of myBupa and such insurance-related services and functionalities through the App does not constitute and should not be construed as Horizon Health and Care Limited conducting any Regulated Activities as defined under the Insurance Ordinance, Chapter 41 of the Laws of Hong Kong, or carrying on any insurance activities.
9.6 Links to Third Party Websites
We may provide links to other websites or resources maintained by unrelated companies and persons on the App. We do not monitor the contents of the linked sites and have no control over them. We are not responsible for the content or material of any linked site or any links contained in a linked site, or any changes or updates to such linked sites. We are providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by us of the linked site or any association with its operator. Your access and use of such linked sites remains entirely at your own risk and you agree that we shall not be responsible or liable for any loss or damage of any kind incurred as a result of the use of the services or the content of any linked site.
9.7 Use of Biometric Authentication Service
Biometric Authentication Service provides an alternative means for you to use your biometric credentials as a security code to confirm your identity to access your App account through the app with the permitted mobile device, in lieu of using your email address and password. You may still use your email address and password to log in to the App.
You acknowledge and agree that in order to use Biometric Authentication Service:
A. You must hold a valid App account;
B. You must install the App using a permitted mobile device;
C. You will need to activate biometric function on your permitted mobile device and register at least one of your biometric credentials to control access to the permitted mobile device;
D. You will be required to undergo a registration process to choose to use the biometric credentials you store on your permitted mobile device for accessing your App account; upon successful registration process, you may use your biometric credentials stored on your permitted mobile device to confirm your identity for accessing your App account;
E. You must ensure that only your biometric credentials are stored on your permitted mobile device to access the device and you understand that upon the successful registration of your permitted mobile device, any biometric credentials that are stored on your permitted mobile device can be used to access and operate your App account; and
F. It is your sole responsibility to take all reasonable security measures to prevent the unauthorised use of Biometric Authentication Service; you should ensure the security of the security codes as well as the password or code that you use to register your biometric credentials on the permitted mobile device.
G. You should not use face authentication module if you have an identical twin sibling, in which case you are recommended instead to use your email address and password to log in the App;
H. You should not use face authentication module if you are an adolescence while your facial features may be undergoing a rapid stage of development, in which case you are recommended to instead use your email address and password to log in the App; and
I. You should not take any action to disable any function provided by, and/or agreeing to any settings of, your mobile device that would otherwise compromise the security of the use of your logon credentials for authentication purposes (e.g. disabling “attention-aware” for face recognition).
J. You must not access or use the App via any device that you are not authorised to use, or a device where software restrictions or privileges have been obtained illegally or without authorisation (for example, jailbroken or rooted devices).
You may choose to access the App using your email address and password at any time.
Each time the App detects the use of biometric credentials registered on a permitted mobile device on which you have registered for Biometric Authentication Service to access the App, you are deemed to have logged in to your App account.
You acknowledge that the authentication is performed by the App by interfacing with the biometric authentication module on the permitted mobile device and that you agree to the authentication process. We are duly authorised to verify your identity by the biometric credentials registered on your permitted mobile device instead of your other logon credentials.
9.8 Abuse of the App privilege
We offer you an App membership based on mutual trust. If we detect or suspect any dishonest or fraudulent activity or misconduct by you or anyone acting on behalf of you in relation to the App (including but not limited to use of the app and/or platform, privilege or reward), we may take any action which we consider necessary to protect our legal rights, including but not limited to suspend or forfeit any reward which have or have not been received by you or terminate your membership.
9.9 Exclusion of liabilities
By agreeing to these Terms and Conditions you agree to indemnify us, our respective officers, employees, directors, agents, advisers, partners and/or contractors against any and all loss, damage, claim or expense (including but not limited to indirect, incidental, special, punitive or consequential liability, economic loss, loss of profits and loss of opportunity) that any of them may incur or suffer that arises directly or indirectly out of these Terms and Conditions, any other governing documentation mentioned in Clause 1 of these Terms and Conditions and/or the App (regardless of whether we have any control over circumstances giving rise to the claim or not).
To the maximum extent permitted by law, we and/or our respective officers, employees, directors, agents, advisers, partners and/or contractors shall not be liable for any loss, damage, claim or expense (including but not limited to indirect, incidental, special, punitive or consequential liability, economic loss, loss of profits and loss of opportunity) you, your beneficiaries or any third parties may incur or suffer that arises directly or indirectly out of these Terms and Conditions, any other governing documentation mentioned in Clause 1 of these Terms and Conditions or the App (regardless of whether we have any control over circumstances giving rise to the claim or not). If we are liable to you in any way, our maximum liability shall be limited to the number of Blua Points which we consider is appropriate to be allocated to your Membership in connection with which the relevant claim arose.
We disclaim all express or implied warranties including, but not limited to, warranties of availability, price, satisfactory quality, merchantability and fitness for a particular purpose. We shall not be liable for any damage or loss of any kind directly or indirectly arising from or in connection with the App, any information, software, products, services, rewards or content obtained through the App, or your dealings with our partners and third-party service providers available through the App.
We shall not be liable for any disruption to the App or any delay to or inability to provide any of the rewards caused by circumstances beyond our control including, but not limited to, failure of any third party, strikes, riots, social unrest, acts of God, flood, natural disaster, storm, fire, lightning, epidemics, pandemics, war, hostilities (whether war be declared or not), terrorism, military or civil disturbance.
Any third-party links on any of our mobile application, websites, communication channels and social media does not imply any approval or endorsement by us. We have no control over the content of those sites and accept no responsibility or liability in respect of them.
You must evaluate and bear all risks associated with the use of the content downloaded and acquired through our/third party mobile application and websites. We shall not be liable for any damage or loss of any kind directly or indirectly arising from or in connection with your use or inability to access our mobile application /website /third party links and/or use any related documents.
We reserve the right to provide any tax authorities with full details of any person’s accrual and redemption of rewards, upon request of a tax authority of applicable jurisdiction. We shall not be liable for cooperating with relevant tax authorities in this matter.
The material provided on any of our mobile application /websites, communication channels and social media, including all text, photographs, images, illustrations, graphics, audios and videos, is provided by way of general information only and shall not be construed as medical, health and fitness, insurance-related or otherwise any kind of advice. Whilst we, our holding company, subsidiaries, affiliates and joint venture partners, endeavour to ensure that the material contents are accurate, errors or omissions may occur and we do not accept any liability in respect of them.
We recommend that you consult with your healthcare professional before you follow any health and fitness recommendation you may receive from the App, our websites, communication channels and social media. We are not a licensed healthcare service provider and have no expertise in diagnosing, examining, or treating medical conditions of any kind, or in determining the effect of any specific exercise on a medical condition. The App does not and we do not provide any medical advice or treatment. The App is not intended to be a substitute or an instruction for professional medical advice, diagnosis, treatment or management of care. Please consult your healthcare professional for any health-related issues and contact your healthcare professional immediately in case of an emergency. Neither the App nor we intend to provide insurance-related advice or to conduct any regulated activity. The information and content provided by us or otherwise available on our platform is for informational purpose only and should not be considered professional advice or guidance. Any decisions regarding insurance or financial products should be made solely by you in consultation with a qualified professional, and we shall not be held liable for any decisions made based on the information provided on our platform.
You expressly agree that your activities carry certain inherent and significant risks of property damage, bodily injury or death and that you voluntarily assume all known and unknown risks associated with these activities even if caused in whole or part by the action, inaction or negligence of us or third parties. You also expressly agree that we do not assume responsibility for the inspection, supervision, preparation, or conduct of any race, contest, group athletic activity or event that may or may not earn you reward points.
If you start to feel unwell at any time after trying the workout or exercise, stop immediately and seek further advice from your healthcare professionals. Do not disregard, avoid or delay obtaining health or medical related advice from your healthcare professional because of what you may have read on the App, our websites, communication channels and social media. We shall not be held responsible for any injuries and/or damages that may result from your participation in the workout or exercise or any health and wellness programme, of which the information has been provided to or shared with you on the App, our websites, communication channels and/or social media.
9.10 Third party rights
A person who is not a party to these Terms and Conditions or any other documentation issued by us in relation to the App shall have no right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623 of the Laws of Hong Kong) to enforce any of their terms.
9.11 Severance
If any provision of these Terms and Conditions is prohibited by law or judged by a court or tribunal to be unlawful, void or unenforceable, the provision shall, to the extent required, be severed from these Terms and Conditions and rendered ineffective as far as possible without modifying the remaining provisions, and shall not in any way affect any other circumstances of or the validity or enforcement of these Terms and Conditions.
9.12 Waiver
No failure or delay by us in exercising any or enforcing any right, power or privilege shall impair the same or operate as a waiver of the same nor shall any single or partial exercise of any right, power or privilege preclude any further exercise of the same or the exercise of any other right, power or privilege.
9.13 Law and jurisdiction
These Terms and Conditions, the use of the App and the relationship between you and us are governed by Hong Kong laws. By joining the App, you agree to submit to the exclusive jurisdiction of the Hong Kong courts.
In case of inconsistency or conflict in meaning between the English version and Chinese version of these Terms and Conditions, the English version shall prevail. Our decision shall be final and conclusive in the event of dispute.
Issued by Horizon Health and Care Limited
July 2026