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Legal Statement


This website is operated and maintained by HKMC Annuity Limited (HKMCA).  Please read these terms and conditions carefully.  By accessing this website and any of its pages, you agree to be bound by the terms and conditions below. These terms and conditions may be changed from time to time.  Please consult this page every time you visit this website. 

If you do not agree to the terms and conditions below, please exit this website immediately.


Product information on this website is for Hong Kong residents only 

The HKMCA is authorised to carry on life and annuity insurance business in or from Hong Kong under the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong).  The information, statements and insurance products and services provided on or mentioned under this website are prepared for and restricted to residents of Hong Kong only and are not intended for distribution to or use by any persons located or residing in other jurisdictions.


This website is for general information only and no responsibility taken for its content 

The content (including all statements and information) on this website is for general information only.  To the extent permissible under the applicable law, the HKMCA accepts no liability for any claims, demands, losses and damages (whether direct or indirect) of any kind, including but not limited to contractual, tortious, statutory, strict, civil and criminal liabilities, howsoever arising from, or in connection with, the use of or in reliance on the content and online tools (if any) on this website. Please refer to the relevant offering documents, policies and/or the applicable terms and conditions (collectively, Product Documents) for the detailed or specific information of the insurance products or services.  In the event of any inconsistency between any statement or information on this website and the Product Documents, the Product Documents shall prevail.


Download or use at your own risk

The HKMCA does not represent or warrant, nor does it take any responsibility for the following relating to any statement or information on this website:

  • accuracy, timeliness, reliability, correctness and completeness
  • advice or statements of opinion
  • merchantability, suitability and fitness for any particular purpose
  • updating, correcting or amending any part of the content of this website
  • non-infringement of any third parties’ rights
  • legality of use in any locations and jurisdictions outside Hong Kong 

The HKMCA also does not represent or warrant, nor does it take any responsibility for any of the following relating to your access to and use of this website:

  • absence of viruses, malware or other harmful components
  • absence of technical defects
  • availability and access in Hong Kong and any other locations and jurisdictions

You are responsible for compliance with any applicable laws in your jurisdiction in the use of this website, its content and tools.


No offer or solicitation in relation to insurance products or services

The content (including statements and information) of this website is provided for general information only.  Nothing on this website shall constitute or be construed as an offer or solicitation to buy or sell, or provision of, any insurance products or services.


No investment or professional advice

Any explanation, advice, opinion or forecast provided or referred to on this website is intended for general information only, and in all circumstances, should not be taken or relied upon as investment or professional advice by the HKMCA or any other person.  You are advised to obtain appropriate professional advice where necessary.


Forward-looking statements

This website may contain forward-looking statements.  You can identify such statements by the fact that they do not relate strictly to historical or current facts and may include words such as “anticipate”, “believe”, “intend”, “plan”, “expect” or similar words.  Although the HKMCA has been prudent in making any such statements, such indicated results or outcomes may not be realised.  The HKMCA disclaims any intention or obligation to update forward-looking statements.


No responsibility for internet disruptions, communication malfunctions and security of this website

Communications over the internet may be subject to incidents such as interruption, interception, hacking, transmission blackout, delayed transmission or incorrect data transmission.  The HKMCA is not liable for any malfunction in communication facilities that may affect the accuracy or timeliness of the content or online tools (if any) on this website.  The HKMCA also does not guarantee that this website or the online tools on this website are completely secure.  Whilst reasonable precautions are taken to maintain the confidentiality of information received, the HKMCA does not accept responsibility for any breach of confidentiality.


Exclusion of liability in relation to hyperlinks

This website contains hyperlinks to websites provided by other entities.  The hyperlinks are provided for your convenience only. The provision of such hyperlinks does not indicate any endorsement, approval, or recommendation of those websites or the products and services provided, described or linked on them.  The HKMCA does not endorse or take any responsibility for the content or any other aspects of those websites.


Hyperlinks from external websites to this website

The HKMCA is not responsible for the setup of any hyperlink from a third party website to this website.  Any hyperlink so set up does not constitute any form of cooperation with or endorsement by the HKMCA.  The HKMCA is not liable for any loss or damage incurred or suffered by you or any third party arising out of the use of such links.


The HKMCA owns all the intellectual property rights relating to this website

Unless otherwise stated, all information and data contained on this website, including but not limited to text, graphics, trade and service marks, icons, drawings, diagrams, photographs, videos, audio recordings, compilations of data and overall appearance of this website are the property of the HKMCA and the HKMCA expressly reserves its proprietary rights in such property, including but not limited to copyrights, trademarks and other intellectual property rights.


Unauthorised reproduction, alteration or use of this website is prohibited

Any unauthorised use, publication, sale, printing, reproduction, copying, display, downloading, distribution, forwarding, exploitation or alteration of this website (in whole or in part) is strictly prohibited, except that to the extent permitted by the Hong Kong law, reasonable copying, creating of hyperlinks, downloading or printing is permissible for any individual for non-commercial use with the source identified and quoted and the copyright status acknowledged. 

Furthermore, any enquiry or request for consent to the foregoing acts in relation to the content of this website should be addressed to the HKMCA via email at  The consent given here does not extend to any materials in any hyperlinked websites, the copyright of which belongs to third party(ies). 


Indemnities in relation to your use

You irrevocably and unconditionally agree to indemnify and hold the HKMCA and its directors, officers, staff and agents harmless from and against any claims, actions, demands or proceedings, howsoever arising from or in connection with your use of this website, any content in this website or any breach of these terms and conditions by you.


Governing law and jurisdiction

The terms and conditions contained herein in relation to the access to and the use of this website are governed by the Hong Kong law.  By accessing and using this website, you irrevocably and unconditionally submit to the exclusive jurisdiction of the courts of Hong Kong and waive any immunity you may have in relation to such submission to jurisdiction.

If a jurisdiction does not allow the exclusion of liability under this Legal Statement but instead allows a limitation of a certain maximum extent, then the relevant liability will be limited to that extent.


The English version of this Legal Statement shall prevail over the Chinese version (which is provided for information purposes only).

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