Disclaimer

By accessing the PFH Life website, you acknowledge and agree to abide by all terms and conditions outlined below. The information on this website is provided for informational purposes only and may be subject to change without prior notice. It should not be interpreted as advice, solicitation, or recommendation. PFH Life offers its products exclusively to Hong Kong nationals through licensed brokers in Hong Kong, in full compliance with both the Cayman Islands Monetary Authority (CIMA) regulations and local Hong Kong legal standards. PFH Life operates with a commitment to fair treatment of customers and strives to ensure that all customers receive clear, accurate, and timely information to make informed decisions.

1. Information Accuracy and Reliance

PFH Life has taken reasonable steps to ensure the accuracy, completeness, and timeliness of the information presented on this website at the time of publication. However, PFH Life does not warrant or guarantee the absolute accuracy of this information. Any reliance on the information is at your own risk. PFH Life disclaims any liability for direct or indirect losses arising from the use of or reliance on any content found on this website. The content is provided solely for informational purposes, and PFH Life reserves the right to modify or remove information at its discretion to comply with regulatory and customer protection requirements.

2. Exemption from Warranties

PFH Life makes no representations or warranties regarding the absence of errors, defects, viruses, or other harmful elements on this website. Access to the website may be restricted or limited at PFH Life’s discretion, including for maintenance or security reasons. The website is provided on an "as is" basis, and all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose, are disclaimed to the fullest extent permitted by law.

3. Electronic Communication Disclaimer

Please consider the environment before printing any electronic communications received from the pfhlife.com domain, including attachments. These communications may contain confidential and privileged information intended solely for the designated recipient. If you are not the intended recipient, you must not retain, copy, disclose, or use the email or any part of its content. Unauthorized access, use, or disclosure may violate applicable laws and regulations.

PFH Life may monitor electronic communications for compliance with internal policies and to protect its business interests. Please note that electronic communications are not fully secure and may be subject to interception, amendments, delays, errors, or loss. While PFH Life takes reasonable steps to ensure that outgoing communications are virus-free, it cannot guarantee this. By communicating electronically with PFH Life, you accept these risks and release PFH Life from liability for any errors, omissions, or security breaches.

4. Linked Websites

PFH Life is not responsible for the content of any third-party websites linked from this website, unless expressly authorized by PFH Life. PFH Life disclaims any liability for products, services, or other content provided by such third-party websites.

5. Copyright Notice

All content on this website is the exclusive property of PFH Life and is protected by copyright law. You are permitted to download or print individual sections for personal and informational use, provided that all copyright and proprietary notices are retained. Reproduction, modification, distribution, or commercial use of the content without prior written consent from PFH Life is prohibited.

6. Jurisdictional and Legal Compliance

PFH Life products are offered exclusively to Hong Kong nationals through licensed brokers, in compliance with the applicable regulatory frameworks in Hong Kong and under the oversight of CIMA in the Cayman Islands. Accessing or using this website does not establish a client relationship with PFH Life, nor does it constitute an offer of products or services in any jurisdiction where PFH Life is not legally authorized to operate. Visitors to this website are responsible for complying with the laws and regulations applicable in their respective jurisdictions.