Access to this site is only granted to users who have read the following terms of use.

The information contained on this website is for information purposes only and is not intended as financial advice, an offer or solicitation for the purchase or sale of any financial instrument. This website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law. The information on this website is subject to change without notice.

Not all products or services are available in all geographical areas.

Entering this website constitutes a signature of your consent to the following disclaimer. If you disagree with part of this disclaimer, or are unclear as to the meaning of, or part of this legal disclaimer, entering this website is strictly prohibited. The user assumes all risks associated with the use of this website including, but not limited to, all terms and conditions mentioned in this legal disclaimer. Residents of Hong Kong, United Kingdom, United States of America, and other members of the European Union are prohibited from entering this website.

If you choose to enter this website you are in breach of the above condition and this constitutes unauthorised access. The distribution of materials contained in this website is strictly prohibited by the relevant regulatory bodies in each of the above mentioned jurisdictions. Gladstone Morgan respects and upholds the laws and regulations of each jurisdiction therefore, Gladstone Morgan does not authorise persons located in, or residence of, the above mentioned jurisdictions to access the content contained throughout this website. It is the users\’ responsibility to observe all applicable laws and regulations of the relevant jurisdiction before proceeding to access the information contained herein. By entering this website residents of countries other than those mentioned above are held to have expressly accepted and consented to the terms and conditions of this disclaimer. Entering this website constitutes a legal and valid electronic signature and hence, represents evidence of your express consent to be bound by the terms and conditions of this legal disclaimer. Gladstone Morgan accepts no liability whatsoever for any loss or damage, or otherwise as stipulated in this legal disclaimer, arising from the use of any section of this website, whether or not such loss or damage is caused by reason of negligence, or otherwise on the part of Gladstone Morgan. Gladstone Morgan disclaims responsibility and legal liability (for both authorised and unauthorised users) for any loss, harm, or damage, however caused, resulting from accessing any section of this website. By agreeing to enter this website, both authorised and unauthorised users waive their right to later pursue any form of legal action in any jurisdiction for any loss, harm, or damage, however caused, resulting from accessing this website. Users also consent to waive the right, by entering this website, to seek any form of restitution, damages, or remedy, monetary or otherwise, for any loss, harm, or damage, however caused, resulting from accessing this website. Gladstone Morgan makes every effort to avoid making incorrect misrepresentations or misleading statements, and in no way encourages unconscionable or deceptive conduct in the providing of its services. By agreeing to enter this website, you expressly accept that Gladstone Morgan will not and cannot be held liable (in all forms of legal liability) for; and that Gladstone Morgan does not warrant, guarantee, or represent (expressly or impliedly), that; information, opinion, commentary, data, or any other content in this website is accurate, valid, complete, legal, and current. The information in this website is obtained and compiled from various sources. We believe these sources to be reliable, but Gladstone Morgan does not expressly or by implication guarantee its reliability. Information and opinions contained in this website are for personal use only and are not intended to constitute provision of investment, legal, tax, or other professional or financial advice. Therefore, such content should not be relied upon for the making of any personal financial and investment decisions. Persons accessing this information are strongly encouraged to obtain appropriate professional advice before making any investment or financial decision. By agreeing to enter this section of the website, you expressly accept that Gladstone Morgan does not warrant, guarantee, or represent (expressly or impliedly) that the website is free from technical malfunction or human error, or that any services obtained through this website are of fitting quality and suitable for any particular purpose, and you expressly accept that Gladstone Morgan will not and cannot be held liable (in all forms of legal liability) for any errors, inaccuracies or omissions (including any third party) and any loss or damages, whether incidental, consequential, or otherwise, resulting from its use or inability to use by any party, or in connection with any error, interruption, delay in operation or incomplete transmission, or line or system failure. Use of hyperlinks to or from other internet sites or resources are the users own risk. The content, accuracy, opinion expressed, and other external links provided at these sites are not investigated, verified, modified, or endorsed by Gladstone Morgan. Gladstone Morgan disclaims any responsibility for the accuracy, contents, availability, or inclusion or omission of information found on sites that link to or from this website. Users are solely responsible for making all enquiries and investigation before proceeding with any online or offline access or transaction with any of these third parties. Gladstone Morgan emphasises that all activities conducted by users at or via this website are at their own risk. Gladstone Morgan does not warrant the security of any information users may forward, or be requested to provide, to any third parties. Users are deemed to have irrevocably waived any claims against the Gladstone Morgan group companies for any loss or damage suffered as a result of any access to or interaction with any other websites via this website. In the event that you may wish to access any services through this website, you are advised that any transactions over the Internet carry certain special risks. By agreeing to enter this website, you expressly accept that Gladstone Morgan will not and cannot be held liable (in all forms of legal liability) for any transactions that are processed over the internet. Online transactions may be subject to but not limited to, interruption, transmission, blackout, delayed transmission due to Internet traffic, or incorrect data transmission due to the public nature of the Internet. This website, including but not limited to text, content, photographs, video, audio and graphics, is protected by copyright, trade and service marks, international treaties and/or other proprietary rights. Furthermore, all present and future rights in and to trade secrets, patents, copyrights, trademarks, service marks, know-how and other proprietary rights of any type under the laws of any governmental authority, domestic or foreign are hereby expressly reserved. All information contained in this website is general corporate information only. While special care has been taken in preparing the information and materials contained in this website, such information and materials are provided to you on an “as is” basis and carry no warranty or representation of any kind, express or implied. In particular, no warranty or representation is given for information and materials regarding non-infringement, security, accuracy, suitability for a particular purpose, or freedom from computer virus, Trojan horses, worms, software bombs or similar items. Moreover, the information contained in this website may be changed at any time without prior notice. Gladstone Morgan Ltd is a member of the Hong Kong Confederation of Insurance Brokers (HKCIB). The HKCIB is a body of insurance brokers, approved by the Office of the Commissioner of Insurance to implement self-regulation of insurance brokers in Hong Kong under the Hong Kong Insurance Companies Ordinance. Under such regulation Gladstone Morgan (HK) Ltd only recommend the use of Investment Linked Assurance Schemes (ILAS).
By closing this page, I hereby confirm that I have read and accepted the terms of use set out above.