Terms and Conditions

The materials and data contained on the Plan Your Finances site (PYF) are for information only and, in any event, shall in no event be construed as (as the case may be) an offer to sell, an offer to purchase, a solicitation of or an arrangement of: (i) any securities; or (ii) any contracts of insurance. The contents of this website are for educational and information purposes only. No part of this website is to be considered as an offer, inducement or recommendation to invest. None of PYF makes any representation, undertaking, warranty or guarantee as to the update, completeness, correctness, reliability, accuracy or currency of the materials and data herein. All opinions, forecasts or estimation expressed herein are subject to change without prior notice. None of PYF accepts any liability or responsibility whatsoever for any direct or consequential loss and/or damages arising out of or in relation to any use of opinions, forecasts, materials and data contained herein or otherwise arising in connection therewith.

None of Plan Your Finances or any of its affiliates (together “PYF”) holds any license from the Hong Kong Securities and Futures Commission to carry out regulated activities (“SFC Regulated Activities”) as defined in the Securities and Futures Ordinance of Hong Kong (the “SFO”) in Hong Kong. Nothing herein shall be construed as (i) PYF having a license or being authorized to carry out SFC Regulated Activities in Hong Kong; or (ii) PYF holding itself out as being licensed or authorized to perform any activity (including any SFC Regulated Activities) for which it is not so licensed or authorized in Hong Kong under the SFO.

Further, none of PYF is an appointed insurance agent or an authorized insurance broker as defined in the Insurance Companies Ordinance of Hong Kong (the “ICO”) in Hong Kong. Nothing herein shall be construed as (i) PYF having been appointed or authorized as an insurance agent or an insurance broker in Hong Kong; or (ii) PYF holding itself out as being appointed or authorized to perform any activity (including any activity regulated by the ICO) for which it is not so appointed or authorized in Hong Kong under the ICO.