Terms & Conditions of Use
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This website serves solely as an informational resource and does not constitute an offer or solicitation for the sale of investment or insurance products. PFH Life Ltd (SPC), along with its affiliates (collectively referred to as "PFH Life"), is not registered as a broker-dealer in any jurisdiction. Furthermore, the products discussed on this website have not been registered or approved by any central banking authority, governmental body, or regulatory agency outside the Cayman Islands. Consequently, the applicable local securities and insurance laws, along with other relevant regulations, may not pertain to the products featured on this site. As a regulated insurance company under the Cayman Islands Monetary Authority (CIMA), PFH Life emphasizes that this website does not make any offers in jurisdictions where such offers would be prohibited by law, particularly for residents outside Hong Kong.
PFH Life does not provide investment, tax, legal, financial, or other professional advice through this website. Users agree not to utilize this website for such purposes and should not rely on the information presented herein when making investment decisions. PFH Life makes no representations regarding the suitability of the products or services discussed or accessible through this website for any individual or specific investor. Any use of this website and requests for information have not been solicited by PFH Life, and any information provided through this platform shall not constitute investment advice.
The information, offerings, and products presented on this website are subject to legal restrictions in certain jurisdictions. This site should not be construed as an invitation or encouragement to engage in any investment or insurance activities prohibited by law. Users are responsible for evaluating their regulatory requirements and personal circumstances concerning any PFH Life product before making any decisions. These Terms & Conditions of Use, as well as your use of this website, are governed by the laws of the Cayman Islands. Any disputes or claims arising from the use of this site will be addressed exclusively under the jurisdiction of the courts of the Cayman Islands.
While PFH Life strives to maintain accurate and up-to-date information on this website, no liability is accepted for any errors or omissions contained herein. The terms governing any PFH Life product or contract are strictly defined by the formal contract documents that explicitly establish such terms, rather than by the content of this website. In the event of inconsistency between the information available on this website and the terms outlined in official contract documents, the latter will prevail. Additionally, PFH Life does not conduct business in the United States and is not subject to U.S. laws; therefore, individuals entering into agreements with PFH Life or its representatives will not receive the protections offered by U.S. law.
PFH Life reserves the right to terminate or restrict access to this website at any time. These Terms & Conditions shall remain in effect after any termination of access. You may not publish, copy, distribute, modify, transmit, or reproduce any information or materials on this website for any purpose other than as outlined in these Terms & Conditions of Use.
PFH Life may contact you regarding your application for access to specific areas of this website as part of the eligibility verification process. You are responsible for ensuring that any information you provide to PFH Life for this purpose is accurate and kept up to date at all times.
This website may contain links to third-party websites or information provided by third parties. PFH Life makes no representations regarding the accuracy or completeness of such websites or information. We have not reviewed and will not update these third-party websites, and any use of such websites or information is at your own risk. PFH Life does not accept liability for any information contained on linked websites or for any third-party information provided on this website.
PFH Life may collect personal information about you, such as your name, address, telephone number, and email address, when voluntarily submitted on this website, including during registration for specific areas of the website. PFH Life utilizes this information to ensure compliance with applicable regulations and for internal purposes.
By submitting personal information, you consent to its processing for the aforementioned purposes. You also agree that PFH Life has the right to use and store such data on its internal systems and transfer it to its affiliates for service provision. PFH Life is committed to protecting the privacy of its users. For further details, please refer to our Privacy Policy. Please be aware that data protection levels may vary across jurisdictions and may differ from those in your place of residence.
The website is owned and operated by PFH Life. Certain images used on the website are licensed but not owned by PFH Life and may not be used, distributed, modified, transmitted, reused, or reposted without the prior written permission of the relevant licensor. PFH Life-owned materials may be accessed for non-commercial, personal use only, provided that all copyright and proprietary notices are retained. Any public or commercial use of such materials requires prior written consent from PFH Life. PFH Life does not warrant that your use of the materials displayed on the website will not infringe upon the rights of third parties not owned by or affiliated with PFH Life. Unauthorized use of images may violate copyright, trademark laws, and privacy and publicity regulations.
If you have any questions regarding these Terms & Conditions of Use, please contact us using the contact details provided on the website.
This website and the accompanying Terms & Conditions outline the legal parameters under which PFH Life Ltd. (SPC) (collectively, "PFH Life") provide access to this site. By using this website, you agree to adhere to these terms.
The information contained herein is not intended for distribution to, or use by, any individual or entity in any jurisdiction where such distribution, use, or access would violate applicable laws or regulations. Specifically, this website and the products offered by PFH Life Ltd. (SPC) are intended exclusively for distribution through licensed brokers to individuals who are Hong Kong nationals, or otherwise in compliance with Hong Kong regulations, and located outside any jurisdiction, including the United States, where such products would require authorization, registration, or licensing.
This website is created solely for informational purposes and is accessible only to licensed brokers and authorized distributors, as well as current or prospective policyholders who meet the eligibility requirements outlined above (collectively, "Permitted Users"). Any access by persons or entities not meeting these criteria is strictly prohibited.
Please carefully read the Terms & Conditions of Use before proceeding. By clicking "ACCEPT," you confirm that you are a Permitted User, in full compliance with the relevant jurisdictional requirements, and agree to be bound by the Terms & Conditions of Use. If you do not meet these criteria, please do not proceed further or use this website.
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