1. Nature of the Website

quantricongno.com.vn is an advisory website relating to Trade Credit Insurance and buyer credit-risk management.

The website provides general knowledge, management insights and preliminary support to help businesses assess whether Trade Credit Insurance may be suitable for their needs.

The website is not an insurance company and has no independent authority to accept risks, issue insurance policies or confirm insurance coverage.

2. No Confirmation of Insurance Cover

Articles, examples and descriptions of benefits, processes and solutions presented on the website are provided for reference only.

A visitor’s access to the content, submission of a form or participation in a preliminary discussion does not mean that the business has been accepted for insurance.

Coverage, terms, conditions, limits of liability, deductibles and exclusions are determined solely by the underwriting file and the final insurance policy issued by the insurer.

3. Quotations Are Subject to Insurer Assessment

Any information concerning premium, credit limits, indemnity percentage or policy structure discussed at an initial stage is preliminary.

The final quotation and policy terms may depend on various factors, including but not limited to:

• Industry and business model;
• Credit-sales turnover;
• Structure and quality of the buyer portfolio;
• Overdue-payment and loss history;
• Domestic or export markets;
• Credit terms and payment periods;
• The insurer’s underwriting assessment.

Following its assessment, the insurer may request additional information, amend the proposed terms or decline to provide coverage.

4. No Guarantee of Coverage or Claim Outcome

No content on the website should be interpreted as a guarantee that any particular buyer, transaction, receivable or event will be insured.

Claim payment depends on the insurance policy, the cause of loss, the insured’s compliance with policy obligations, the claim documentation and the insurer’s assessment.

5. Preliminary Consultation Process

When a visitor submits a consultation request, the initial process may include:

• Understanding the business’s needs and objectives;
• Conducting a preliminary discussion about the buyer portfolio and credit-sales activities;
• Identifying the information required to assess a potential TCI solution;
• Facilitating contact with an appropriate insurer where necessary.

The preliminary discussion does not create an insurance contract or an obligation for any party to provide insurance coverage.

6. Sharing Information with Insurers

Customer information will be shared with an appropriate insurer only where necessary to assess the customer’s needs, prepare a quotation or evaluate the possibility of providing insurance coverage, and where the customer has provided appropriate consent.

The collection, use and protection of personal information are governed by the website’s

Privacy Policy

của website.

7. Responsibilities of the Business

The business should provide complete, accurate and up-to-date information during the consultation and insurance-assessment process.

Before making a decision, the business should carefully review the quotation, policy terms, coverage, exclusions and related obligations contained in the official documents provided by the insurer.

8. Accuracy and Currency of Information

Website content is prepared with the aim of providing useful and relevant information as of the date of publication. However, insurance products, underwriting processes, market conditions and applicable regulations may change over time.

The website may update, revise or supplement its content without prior notice.