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The Chin Family Website (www.thechinfamily.hk) is owned and managed by the Investor Education Centre ("IEC"). This website contains information and materials compiled by the IEC for reference only. Any information about how the IEC may interpret the law or how certain problems may be addressed, as well as all views and opinions expressed in the articles and multimedia presentations on this website are provided generally without considering your specific circumstances. Such information, views and opinions should not be regarded as a substitute for professional advice. You should seek independent legal or other professional advice before taking action on any matters to which information provided on this website may be relevant, or if you have any doubt about how the law applies to you. Similarly, the IEC has not passed on the merit of or endorsed any of the products or types of products referred to on this website or a website linked to this website. Neither has the IEC made any recommendation or advice regarding any products or types of products identified on this website or any linked site. Again, you should seek appropriate professional advice regarding evaluation of any specific product, index, report, opinion, advice or other content.

The IEC shall not be responsible for any consequential effect, nor be liable for any direct, consequential, incidental, indirect or special loss or damage, howsoever caused, of any kind, arising from the use of, inability to use or reliance upon any information or materials provided on this website or any linked site, whether or not such loss or damage is caused by the IEC's negligence.

The IEC endeavours to ensure that the information contained on this website is accurate as of the date of publication, but the information is provided to you on an "as is" basis and the IEC does not warrant its accuracy, timeliness, completeness, quality or fitness for any particular purpose. In no event shall the IEC accept or assume any liability (including third party liability) for any loss or damage, whether or not arising from any error or omission in compiling such information.

This website contains material sent to the IEC by third parties. The IEC is not responsible for any error, omission or inaccuracy in this material. The IEC reserves the right to omit, suspend or edit any material submitted.

Games and case studies provided in this website are for educational purpose only. Users should not regard information contained in such games and case studies as a substitute for professional advice. All documents, characters and situations created for the games and the case studies are fictitious.

Users who link from this website to websites or webpages provided by other organizations should be aware that the information on those sites or pages has not been compiled or issued by the IEC. You link to such sites or pages at your own risk. The IEC is not responsible for information contained on linked sites or pages and makes no representation about its accuracy, completeness or legality. The IEC shall not be liable for any loss or damage (including without limitation, lost revenues or lost profits) arising from or related to the use of information contained on linked sites or pages. The inclusion of links is for convenience only and does not constitute or imply endorsement, recommendation or favouring of the linked sites or pages by the IEC.

Each individual site has its own set of policies and procedures on data collection and distribution. The privacy policies and procedures described here do not apply to linked sites. The IEC may allow a number of organisations to create hyperlinks to this website. Users should note that these links are created for convenience. The IEC does not sponsor or endorse those organisations and this website shall not be deemed to be part of any sites or pages maintained by such organisations.

Other Important Legal Information

Unless otherwise stated, all copyright and other intellectual property rights in the materials on this website belong to the IEC. Materials on this website may be downloaded or printed for personal use or for use within an individual firm or organisation but may only be used for personal viewing purposes or for viewing within that firm or organisation. Such materials may not be reproduced for or distributed to third parties, or used for commercial purposes, without the IEC's prior written consent. The IEC's copyright notice (i.e. Copyright © Investor Education Centre) must appear on all copies.

The IEC reserves the right to revise any term of use of this website at any time. The IEC also reserves the right to seek all remedies available at law and in equity for violations of any term of use, including the right to block access from a particular Internet address to the this website.

This website (excluding linked sites) is controlled by the IEC from its offices in Hong Kong. By accessing this website, you agree that all matters relating to your access to, or use of, this website shall be governed by the laws of the Hong Kong Special Administrative Region, without regard to the conflicts of laws principles thereof. You also agree and hereby submit to the exclusive jurisdiction of the courts of the Hong Kong Special Administrative Region with respect to such matters. The IEC makes no representation that materials on this website are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with local laws.


Unless otherwise specified, all references to currency, monetary values and dollars set forth on this website shall mean Hong Kong dollars.