Statement of Disclaimerand Terms of Use - Luen Fung Hang Life Limited

Luen Fung Hang Life Limited (“the Company”)

Statement of Disclaimer and Terms of Use

Please read following information. While you enter our website, you have agreed following terms.

1. The information and services described herein are only available to Appointed User whose place of residence does have relevant authorization and permission to browse and/or accept products and services contained on this website at the material

time. Appointed User browsing this website should be aware of and undertake to abide by such restriction if any and the Company shall not be liable for any incident of illegality.

2. Any information contained on this website is for reference only and should not be taken as any professional advice in whatever discipline. Appointed User browsing this website is reminded to consider seeking appropriate and independent advices and

instructions themselves when necessary.

3. Appointed User shall bear any fee, charge and expense with may be imposed by telecommunication company and/or the internet service provider that provides or services the communication equipment, internet access equipment or device in

connection with this iclaim.panel administration system, including but not limited to IDD or roaming service fee (if any).

4. Appointed User shall keep the data or information contained on this website in strict confidentiality.

5. The Company has made reasonable effort in ensuring the accuracy and entirety of the information contained on this website. The Company shall neither bear any responsibility nor make any guarantee in case of any mistakes or inaccuracy

6. The Company reserves absolute to decide the granting of access to the iclaim.panel administration system. The Company may at its own discretion suspend or terminate the iclaim.panel administration system in whole or in part or any part thereof at

any time it deems fit and without prior notice to the Appointed User for whatsoever reason (including but not limited to any error, maintenance, editing, expansion and/or upgrade of system by the telecommunication company and/or internet service

provider). The Company shall not take any legal or other responsibility for any of such suspension or termination.

7. All information contained on this website shall be binding and conclusive against Appointed User. The information and services are subject to changes without prior notice by the Company at its own discretion. The Company reserves its final judgment

and absolute discretion as to using such information and services.

8. No warranty is given to the safety and security for any electronic message transmitted to the Company through this website. Any risk of delay, loss, transfer, alteration or falsehood arising out of the said transmission shall be borne by Appointed User

browsing this website in any event.

9. The personal data relating to Appointed User May be circulated on the network without security measures and may be at risk of being seen and used by unauthorized third parties.

10. Whenever using of hyperlinks to other websites, the Company expressly disclaims any responsibility for the accuracy or safety of the information provided by those websites.

11. Appointed User browsing this website is deemed to fully understand and agree to be bound by the obligation and declaration therein as it may be amended by the Company from time to time.

Should you have any question about the Privacy Policy Statement, Personal Information Collection Statement and Statement of Disclaimer and Terms of Use (the “terms and conditions”) thereof, you are kindly requested to contact the

website administrator of the Company through the "Contact Us" icon, otherwise you shall be deemed to have implicitly accepted the terms and conditions hereof by accessing this website or any of its pages.

Whenever there is discrepancy between the Chinese version and the English version of the above Statement, the Chinese version shall prevail.