Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA is a registered licensed insurance agency under the Insurance Authority of Hong Kong (“IA”) (Licensed Insurance Agency License No.: FA2474). All references to ‘insurance’ on this website are used, and all insurance products and insurance promotions are arranged and brought to you directly, by HKTIA. Club HKT Limited (“The Club”), The Club Travel Services Limited ("Club Travel”) and all other entities of the HKT Group (other than HKTIA) are not arranging for any contract of insurance or carrying on any regulated activities (as defined under the Insurance Ordinance) in connection with the insurance products and insurance promotions.