Disclaimer

By accessing the Website, you confirm that you have reviewed and accepted the following Terms and Conditions.

Read these terms and conditions ("Terms") carefully before using the services described herein. By utilizing the website located at UIB.net ("Website"), you acknowledge that you have read these terms and that you agree to be bound by them. If you do not agree to all of these terms, you are not an authorized user of these services and you should not use this website.

This website is not intended for and should not be accessed by persons located or resident in any jurisdiction where (by reason of that person's nationality, domicile, residence or otherwise) the publication or availability of this website is prohibited or contrary to local law or regulation or would subject any UIB entity to any registration or licensing requirements in such jurisdictions. It is your responsibility to be aware of, to obtain all relevant regulatory approvals, licences, verifications and/or registrations under, and to observe all applicable laws and regulations of any relevant jurisdiction in connection with your entrance to this website.

UIB reserves the right to change, modify, add or remove portions of these terms at any time for any reason. We suggest that you review these terms periodically for changes. Such changes shall be effective immediately upon posting. You acknowledge that by accessing our website after we have posted changes to these terms, you are agreeing to these terms as modified.

This Website is owned by UI Holdings Limited (“UIB”) incorporated in Hong Kong and is managed by various companies within the UIB Group, which shall collectively hereinafter be referred to as "UIB".

The information provided on this Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject UIB or its affiliates to any registration requirement within such jurisdiction or country.

Nothing contained on this Website constitutes tax, accounting, regulatory, legal, insurance or investment advice. Neither the information, nor any opinion, contained on this Website constitutes a promotion, recommendation, solicitation or offer by UIB or its affiliates to buy or sell any securities, collective investment schemes, futures, options or other financial instruments or services, nor shall any such security, collective investment scheme, futures, options or other financial instruments or services be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction. Decisions based on information contained on this Website are the sole responsibility of the visitor. In exchange for using this Website, the visitor agrees to indemnify and hold UIB, its officers, directors, employees, affiliates, agents, licensors and suppliers harmless against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of this Website, from your violation of these Terms or from any decisions that the visitor makes based on such information.

The investments and strategies discussed in the Website may not be suitable for all investors and are not obligations of UIB or its affiliates or guaranteed by UIB or its affiliates. UIB makes no representations that the contents are appropriate for use in all locations, or that the transactions, securities, products, instruments, or services discussed on this site are available or appropriate for sale or use in all jurisdictions or countries, or by all investors or counterparties. By making available information on the Website, UIB does not represent that any investment vehicle is available or suitable for any particular user. All persons and entities accessing the Website do so on their own initiative and are responsible for compliance with applicable local laws and regulations.

The investments and strategies, funds and accounts (“Products”) referred to in this Website are not authorized by the Securities and Futures Commission ("SFC") for sale to the public in Hong Kong, by the Monetary Authority of Singapore (“MAS”) for sale to the public in Singapore or by any regulator in the People's Republic of China (“PRC”), Japan or Vietnam for sale to the public. The material contained in this Website has not been reviewed by the SFC, the MAS or any regulatory authority in Hong Kong, Singapore, the PRC, Japan or Vietnam.

An investment in the Products often involves investing in international markets. In addition to the normal risks associated with investing, international investments (including investments in emerging markets) involve the risk of losing all or part of any capital from unfavourable fluctuations in currency values, from differences in generally accepted accounting principles or from economic or political instability in other nations. Past performance is no guarantee of future results. Any projections or examples (including calculations used therein) are for illustrative purposes only and are not guaranteed to be accurate or complete. Investment involves risk and may lose value.

If you are considering making an investment, you are advised to obtain your own independent professional advice, including from financial advisers, and to carefully consider all relevant risk factors. You are responsible for ensuring the suitability of any investment for you, and for your own investment decisions. None of UIB or its affiliates make any representation regarding the advisability of investing in the Products. UIB does not guarantee the performance of the Products.

This Website is for information purposes only and is not intended to be relied upon as a forecast, research or investment advice. UIB does not assure that this material is accurate, current or complete, and it should not be relied upon as such. The contents of this Website have been prepared without regard to the investment objectives, financial situation, particular needs, or means of any particular person or entity, and the Website is not soliciting any action based upon them.  Any opinions expressed on this Website may change as subsequent conditions vary.

The information and services provided on this Website are provided "AS IS" and without warranties of any kind, either expressed or implied. All content on this Website is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data. To the fullest extent permissible pursuant to applicable law, UIB disclaims all warranties, including, but not limited to, any warranty of non-infringement of third-party rights and any implied warranties of merchantability and fitness for a particular purpose. UIB does not warrant, either expressly or impliedly, the accuracy or completeness of the information, text, graphics, links or other items contained on this Website and does not warrant that the functions contained in this Website will be uninterrupted or error-free, that defects will be corrected, or that the Website will be free of viruses or other harmful components. UIB expressly disclaims all liability for errors and omissions in the materials on this Website and for the use or interpretation by others of information contained on the Website.

These Terms shall be governed by, and shall be construed in accordance with, the laws of Hong Kong.  The courts of Hong Kong shall have non-exclusive jurisdiction to hear and determine any suit, action or proceeding, and to settle any disputes, which may arise out of or in connection with these Terms and, for such purposes, you agree to submit to the jurisdiction of the courts of Hong Kong.  Each party hereby waives any objection which it might at any time have to the courts of Hong Kong being nominated as the forum to hear and determine any proceedings and to settle any disputes and agrees not to claim that the courts of Hong Kong are not a convenient or appropriate forum.

UIB and its affiliates and their respective officers, directors, employees or agents will not be liable to you or anyone else for any damages of any kind, including, but not limited to, direct, consequential, incidental, special or indirect damages (including but not limited to lost profits, trading losses or damages that result from use or loss of use of this website), even if UIB has been advised of the possibility of such damages or losses, including, without limitation, from the use or attempted use of this website or another linked website.