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Legal Statement


Please read these terms and conditions carefully. By accessing this website and any of its pages, you agree to be bound by the terms and conditions below. These terms and conditions may be changed from time to time.


If you do not agree to the terms and conditions below, please do not access this website or rely on its content.



This website is for general information only and no responsibility taken for its content

The content (including all statements and information) on this website is for general information only. We accept no liability for any claims, demands, losses and damage (whether direct or indirect) of any kind, including but not limited to contractual, tortious, statutory, strict, civil and criminal liabilities, howsoever arising from, or in connection with, the use of or in reliance on the content and online tools on this website, even if we are aware of any facts leading to such claims, demands, losses or damage.



Download or use at your own risk


We do not represent or warrant, nor do we take any responsibility for the following relating to any statement or information on this website:


  • accuracy, timeliness, reliability, correctness and completeness
  • advice or statements of opinion
  • merchantability, suitability and fitness for any particular purpose
  • updating, correcting or amending any part of the content of this website
  • non-infringement of any third parties’ rights
  • legality of use in any locations and jurisdictions outside Hong Kong


We also do not represent or warrant, nor do we take any responsibility for any of the following relating to your access to and use of this website:


  • absence of viruses, malware or other harmful components
  • absence of technical defects
  • availability and access in Hong Kong and any other locations and jurisdictions


You are responsible for compliance with any applicable laws in your jurisdiction in the use of this website, its content and tools.



No offer or solicitation in relation to securities


The content (including statements and information) of this website, including but not limited to any offering documentation, is provided solely for general information only, and are not intended to be and should not be taken to be an offer or a solicitation of an offer or an invitation by us or any issuer or any other person, for subscription for or sale of or any other actions in relation to securities issued or guaranteed or to be issued or guaranteed by us or any of our subsidiaries.



To read with any updated supplements


Any statement and information contained on this website in relation to securities issued or guaranteed or to be issued or guaranteed by us or any of our subsidiaries should be read in conjunction with other materials or documents which are expressed to be the supplements to, or included by reference, in such statement or information.


In the event of any inconsistency between any statement or information on this website in relation to securities issued or guaranteed or to be issued or guaranteed by us or any of our subsidiaries and the terms in documents establishing the terms of such securities, the terms in such documents shall prevail over the statement or information on this website.



To independently assess the content of this website


You should conduct your own enquiries to assess and verify the content of this website and to obtain independent advice (legal, financial or other advice) before acting upon it, especially in relation to any investments in securities issued or guaranteed by us or any of our subsidiaries since such securities may not be eligible for sale in certain jurisdictions or to certain persons.



No investment or professional advice


Any explanation, advice, opinion or forecast provided or referred to on this website is intended for general information only, and in all circumstances, should not be taken or relied upon as investment or professional advice by us or any issuer or any other person.



Forward-looking statements


This website may contain forward-looking statements. You can identify these statements by the fact that they do not relate strictly to historical or current facts and may include words such as “anticipate”, “believe”, “intend”, “plan”, “expect” or similar words. Although we have been prudent in making any such statements, such indicated results or outcomes may not be realised. We disclaim any intention or obligation to update forward-looking statements.



No responsibility for internet disruptions, communication malfunctions and the security of this website


Communications over the internet may be subject to incidents such as interruption, interception, hacking, transmission blackout, delayed transmission, incorrect data transmission. We are not liable for any malfunction in communication facilities that may affect the accuracy or timeliness of the content or online tools on this website. We also do not guarantee that this website or the online tools on this website are completely secure. Whilst reasonable precautions are taken to maintain the confidentiality of information received, we do not accept responsibility for any breach of confidentiality.



Exclusion of liability in relation to hyperlinks


This website contains hyperlinks to websites provided by other entities. The hyperlinks are provided for your convenience only. The provision of such hyperlinks does not indicate any endorsement, approval, or recommendation of these websites or the products and services provided, described or linked on them. We do not endorse or take any responsibility for the content or any other aspects of these websites.



We own all the intellectual property rights relating to this website


Unless otherwise stated, all information and data contained on this website, including but not limited to text, graphics, trade and service marks, icons, drawings, diagrams, photographs, videos, audio recordings, compilations of data and overall appearance of this website are our property and we expressly reserve our proprietary rights in such property, including but not limited to copyrights, trademarks, and other intellectual property rights.



Unauthorised reproduction, alteration or use of any part of this website is prohibited


Any unauthorised use, publication, sale, printing, reproduction, copying, display, downloading, distribution, forwarding, exploitation or alteration of any part or the whole of this website is strictly prohibited, except that reasonable copying, creating of hyperlinks, downloading or printing is permissible to the extent permitted by the laws of Hong Kong for, (a) any individual for non-commercial use with the source identified and the copyright status acknowledged; or (b) copying, reproducing or using in whole or in part any of the Model Mortgage Origination Documents for commercial purposes by any entity or person subject to the terms set out in the Model Mortgage Origination Documents.


Furthermore, any enquiry or request for consent for the foregoing acts in relation to the content of this website should be addressed to us via email at The permission given here does not extend to any material in any hyperlinked websites, the copyright of which belongs to third party(ies).



Indemnities in relation to your use


You irrevocably and unconditionally agree to indemnify and hold us, our directors, officers, staff and agents, and any issuers of securities guaranteed by us or any of our subsidiaries, harmless from and against any claims, actions, demands, or proceedings, howsoever arising from or in connection with your use of this website, any content in this website or any breach of these terms and conditions by you.



Governing law and jurisdiction


The terms and conditions contained herein in relation to the access to and use of this website are governed by the laws of Hong Kong. By accessing and using this website, you irrevocably and unconditionally submit to the exclusive jurisdiction of the courts of Hong Kong and waive any immunity you may have in relation to such submission to jurisdiction.


If a jurisdiction does not allow the exclusion of liability in accordance with this Legal Statement but instead allows a limitation of a certain maximum extent, then our liability will be limited to that extent.



The English version of this Legal Statement shall prevail over the Chinese version (which is provided for information purposes only).