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LEGAL and Terms of Use




By accessing this website, you are deemed to agree and accept to be bound by the terms and conditions of this website. This website provides information in relation to the services and products offered by “James Ho” (hereafter called “The owner”) , which will be distributed by The owner or representative . This website is for general information only. The information herein shall not in any event construe as any invitations, agreements, promises or guarantees. The owner reserves the right, at its sole discretion, to change, modify or remove part of this legal notice at any time. You are advised to seek independent professional advice with respect to your personal situation. If you would like to obtain further and detailed information on the services and products offered by The owner, please contact The owner directly.




Please read these terms and conditions carefully as they apply to your use of this website. By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. These terms and conditions may be revised at any time by updating this posting by “James Ho” (hereafter called “The owner”) . The revised terms will take effect when they are post. You are bound by any such revisions and should therefore periodically visit this page to review the then-current terms and conditions to which you are bound.



To the fullest extent permissible pursuant to applicable law, the materials on this website are provided as is and without warranties of any kind, either expressed or implied and The owner disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. The owner does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. The owner does not warrant or make any representations regarding the use or the results of the use, of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not The owner) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement.



This website maybe linked to other websites which are not maintained by The owner. The owner has no control over, does not assume any responsibility for and does not make any warranties or representations as to any third party content or websites, including but not limited to, the accuracy, subject matter, quality and timeliness. By providing hyperlinks to other websites, The owner shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the service/products they provide on their websites, or have any form of cooperation with such third parties and websites. The owner shall have no liability for third party content or websites or websites linking to or framing the websites of The owner.



While The owner uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, The owner makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall The owner or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if The owner representative has been advised of the possibility of such damages. In no event shall The owner’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website. The owner also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.



This website is owned and operated by The owner. Except as otherwise expressly permitted by The owner, no materials from this website or any website owned, operated, licensed or controlled by The owner may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without The owner written permission. The owner neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.



Unless otherwise expressly set forth herein, The owner makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws. Except as expressly set forth herein, the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by The owner. No security, insurance product or other product or service is offered or will be sold by The owner or, if sold by The owner, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions. Anyone interested in a particular product should contact The owner to determine whether the product is available in their jurisdiction.



Any information, other than personal data or information you transmit to The owner via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of The owner. Such information, other than personal data or information may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. The owner is free to use any concepts, know-how, or techniques contained in any communication you send to The owner via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.



In using this website you may provide us with “personal data” as defined in the Personal Data (Privacy) Ordinance. By using this website you grant us the consent to use your personal data.



All trademarks, services marks, trade names, logos, images and icons are proprietary to The owner. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of The owner. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with permission by The owner. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by The owner. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.



You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. The owner does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.



These Conditions will be governed by the laws of the Hong Kong Special Administrative Region of the People’s Republic of China (“Hong Kong”). Any disputes arising from these Terms of Use shall be subject to the exclusive jurisdiction of the Hong Kong Courts.


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