Terms of Use

These Terms apply to all visitors to and users of this website. Where we provide advisory services to you, those services are governed by a separate engagement agreement; in case of conflict between these Terms and an engagement agreement, the engagement agreement prevails for the matters it covers.

Information on this website is provided for general information only. It does not constitute legal, regulatory, financial, tax, or any other professional advice and should not be relied on as such. You should obtain advice from a suitably qualified professional that takes into account your specific circumstances before making any decision based on this website. Please refer to our Disclaimer for further details.

We endeavour to keep information on this website accurate and current, but we make no representation or warranty, express or implied, regarding accuracy, completeness, or timeliness. We may modify, suspend, or discontinue any part of this website at any time without notice.

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use of, this website by any third party. In particular, you must not:

• Use the website in any way that is unlawful, fraudulent, or harmful.
• Attempt to gain unauthorised access to any part of the website, server, or related infrastructure.
• Introduce viruses, trojans, worms, or other malicious code.
• Use any automated means (including scrapers, bots, or crawlers) to access or harvest content, except as expressly permitted by us.
• Reproduce, republish, or commercially exploit website content except as permitted under these Terms.

All content on this website — including text, graphics, logos, icons, images, layouts, and software — is owned by or licensed to COURAGEOUS HL LIMITED and is protected by the Copyright Ordinance (Cap. 528) of Hong Kong and other applicable intellectual-property laws. You may view, download, or print extracts for your personal, non-commercial reference only. Any other use, including reproduction, modification, redistribution, or commercial exploitation, requires our prior written consent.

This website may contain links to third-party websites. Such links are provided for your convenience only. We do not control and are not responsible for the content, privacy practices, or availability of any third-party website. The inclusion of a link does not imply our endorsement of the linked site.

To the fullest extent permitted by law, COURAGEOUS HL LIMITED, its directors, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive loss or damage arising out of or in connection with your access to or use of this website, even if we have been advised of the possibility of such loss or damage. Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law, including under the Control of Exemption Clauses Ordinance (Cap. 71) of Hong Kong, such as liability for death or personal injury caused by negligence.

You agree to indemnify and hold us harmless from any claim, loss, liability, or expense (including reasonable legal fees) arising out of your breach of these Terms or your misuse of this website.

When you use this website or communicate with us electronically, you consent to receive electronic communications from us. Such communications, where they contain information required by law to be in writing, satisfy that requirement to the extent permitted by the Electronic Transactions Ordinance (Cap. 553) of Hong Kong.

These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of the Hong Kong Special Administrative Region. You and we submit to the exclusive jurisdiction of the courts of the Hong Kong Special Administrative Region in respect of any dispute arising out of or in connection with these Terms or this website, save that we may bring proceedings in any other court of competent jurisdiction to protect our intellectual-property rights.