Disclaimer

Please read the followings carefully before you use this website ("Site"). If you do not agree with the terms of use, please do not use this Site or download any materials from it.

Terms of Use

Access to this Site and related online services ("Services") are made available to you under the provisions below, disclaimers, other terms and conditions, rules and policies (including the Privacy Policy) (collectively "Terms of Use") posted on this Site by China Life Trustees Limited ("Trustee"). By accessing, downloading and/or using this Site and/or the Services, you agree to be legally bound by the Terms of Use as may be amended from time to time.

The Trustee will collect, use and store any personal data provided by you in accordance with the Privacy Policy.

The Trustee may change, modify, amend and remove any part of the Terms of Use at any time in its sole discretion. Any new features, including the release of new services, content, updates or resources shall be subject to the current Terms of Use. You should periodically visit this page to review the Terms of Use.

Grant of Licence

The Trustee grants you a personal, limited and revocable licence to make personal and non-commercial use of this Site. You may download information and materials contained in this Site for your personal and non-commercial use only. You may not sell, license, modify, alter, reproduce, publicly display or distribute any materials contained within this Site in any way or otherwise use it for any public or commercial purpose without the prior written authorized permission of the Trustee and/or its third party licensors. The Trustee reserves all rights for any unauthorized use of this Site and retains the right to revoke this licence at any time if you are in breach of the Terms of Use.

Use of this Site

You agree that your use of this Site is at your sole risk. This Site is provided on "as is" and "as available" bases. To the fullest extent permitted by applicable laws, the Trustee expressly disclaims all warranties of any kind, whether express or implied, including but not limited to merchantability, non-infringement of intellectual property rights, fitness for particular purpose or absence of computer viruses.

The investment products that are referred to in this Site and the Services are available only in jurisdictions where they may be lawfully offered for sale and none of the contents shall constitute an offer to buy or sell investment products that are referred to in this Site or Services of the Trustee and/or its affiliated companies to any person in any country where it is unlawful to make such offer.

You acknowledge that transactions over the Internet may be subject to interruption or delayed transmission due to internet traffic congestion and it is an inherently unreliable medium of communication. You acknowledge that there may be delays in the transmission or non-delivery of instructions and other information when using the Internet and may result in delays in the execution of instructions and/or transactions not being carried through. The Trustee does not represent or warrant that this Site will be uninterrupted and that there will be no delays, errors, failures or loss of any information transmitted to and from this Site caused by any acts, omissions or circumstances beyond the reasonable control of the Trustee.

Information and Materials

The Trustee may add, alter, modify, change or remove (temporarily or permanently) this Site or any part of this Site without notice.

Intellectual Property

All the materials made available on this Site (including but not limited to any text, images, graphics, videos, audio clips, other copyrighted materials, trademarks, service marks, logos, icons and/or any other intellectual property rights) are owned, controlled, operated and/or licensed by the Trustee. You may not use or display these materials, marks, logos, icons and/or intellectual properties without the prior written consent of the Trustee and/or the respective licensors.

Links to third-party websites

This Site provides links to other websites and/or resources over which the Trustee has no control. The Trustee does not investigate, verify, monitor or endorse the content, accuracy, completeness or legality of these websites or other links provided by these websites or resources. If you decide to access any of the third party websites linked to this Site, you do this entirely at your own risk. The Trustee has no responsibility for and no liability for any actual or alleged damage or loss caused by or in connection with use of or reliance on any such content or services available on any hyper-linked websites.

Disclaimers/Limitation of Liability

Any information or commentary provided by the Trustee about the interpretation of ordinances, rules, regulations, codes and/or guidelines and other materials appearing on Site are for information only and are not intended to amount to any kind of advice on which reliance should be placed. You should seek independent legal or other professional advice before taking action on any matters to which information provided on this Site may be relevant, or if you have any doubt about how the law applies to you.

Without limiting the generality of the foregoing, the Trustee does not warrant or guarantee the accuracy, adequacy, timeliness, completeness or authenticity of any contents of this Site, the functionality, or your transmission of any Site contents from the Site to you or accept any liability (including third party liability) for any loss or damage, whether or not arising therefrom or transmitted thereby.

To the fullest extent permitted by applicable laws, the Trustee shall not be responsible for any consequential effect (direct or indirect), nor be liable for any direct, indirect, incidental, special, exemplary or punitive damages or any other damages whatsoever, including but not limited to, damages for loss of profits, contracts, income, revenue, anticipated savings, data or other intangible losses arising from (a) the use of or inability to use this Site; or (b) use of or reliance upon any information or material provided on this Site; or (c) unauthorized access to or alteration of your transmissions or data; or (d) statements or conduct of any third party on this Site; or (e) failure of performance, error/omission/interruption/delay in operation or transmission, line or system failure; or (f) any other matter relating to this Site beyond the reasonable control of the Trustee.

Miscellaneous

The Terms of Use together with all other specified terms and conditions applicable to specific Services available via this Site constitute all the terms and conditions agreed upon between the Trustee and you.

Any failure or delay by the Trustee to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision.

If at any time any Term of Use becomes illegal, invalid or unenforceable in any respect, the legality, validity or enforceability of the remaining Terms of Use shall not be in any way be affected or impaired thereby.

The English version of the Terms of Use shall prevail in case there is any difference between the English version and the Chinese version.

The Terms of Use shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region and any dispute shall be subject to the exclusive jurisdiction of the courts of the Hong Kong Special Administrative Region.

Terms and Conditions of Online MPF Services

The use of any and all Member or employer’s online services for Mandatory Provident Fund ("Online MPF Services") shall be governed by the following provisions ("MPF Terms").

1. The Trustee shall provide to Members and employers Online MPF Services subject to these MPF Terms and the Terms of Use. The Trustee has the right to determine and vary from time to time the scope and type of Online MPF Services to be made available including but not limited to expanding, amending, reducing or suspending any Online MPF Services at any time and/or imposing and varying any restrictions on the use of any Online MPF Services.
2. Members and employers are required to enter Login ID, password and verification code to access Online MPF Services.
3. Members and employers shall keep the Login ID and password ("Identification Numbers") strictly confidential. In case of loss of or failure to function of these Identification Numbers, Members or employers shall inform the Trustee in such manner as the Trustee may prescribe on this Site from time to time. Any such notification, once given, a new password will be assigned by the Trustee to the Members or employers by post accordingly.
4. Members and employers shall be fully responsible for any accidental or unauthorized disclosure of any Identification Numbers to any other person and shall bear the risk of any Identification Numbers being used by unauthorized persons or for unauthorized purposes.
5. Instructions given by a Member or an employer in connection with Online MPF Services (except instructions relating to Member’s transfer-in) shall not be considered to be received by the Trustee until an acknowledgement and confirmation are generated via this Site. The instructions once received by the Trustee shall be binding on Members or employers (as the case may be) whether given by Members or employers or by any other person purporting to be relevant Members or employers. The Trustee shall not be bound to verify the identity or authority of the person giving any instruction or authenticity or accuracy of such instruction apart from verifying the Identification Numbers.
6. Any instructions in respect of a Member’s accounts may not be revoked once a confirmation has been generated via this Site.
7. Instructions relating to a Member’s transfer-in shall not be considered as to be received by the Trustee until the Trustee has actually received the hard copy of the duly signed Member’s transfer-in form.
8. Subject to (7) above, Members or employers (as the case may be) authorize the Trustee to act on any computer-generated instructions in respect of Online MPF Services. The Trustee will process the instructions as soon as practicable after receipt but the Trustee shall not be liable for any delay in processing any instructions. The Trustee will process the instructions by reference to a Member or employer’s current MPF account information and fund unit price at the time of processing.
9. The Trustee shall use its best efforts to update the information available under Online MPF Services from time to time but shall not be liable for any consequences as a result of any delay in updating such information. The information available from Online MPF Services shall be for reference only and is not binding. The records of the Trustee of the information under Online MPF Services shall be final and conclusive.
10. Unless due to gross negligence or willful default of the Trustee or their respective officers or employees, the Trustee shall not be liable to any Member, employer or any other person for the consequences arising from or in connection with any interruption, interception, suspension, delay or failure in providing Online MPF Services, in transmitting the information relating thereto or in connecting with Online MPF Services caused by any acts, omissions or circumstances beyond the reasonable control of the Trustee, including, without limitation, failure of any communication network, act or omission of any third party service providers, mechanical failure, power failure or any laws, rules or regulations.
11. The Trustee shall not be liable for any loss, damage or expense (direct, indirect or consequential) suffered by any Members arising from or in connection with any delay in acting on any instruction or for any inability to act as a result of any instruction being unclear or incomplete or the Member failed to submit an instruction by the cut-off time specified by the Trustee.
12. Except where the context otherwise requires, words denoting the singular include the plural and vice versa; words denoting any one gender include all genders; words denoting persons include incorporations and firms and vice versa.
13. The English version of these MPF Terms shall prevail in case there is any difference between the English version and Chinese version.

Terms and Conditions of Online Member Application Service

The use of the service for online application for membership ("Online Member Application Service") of China Life MPF Master Trust Scheme ("Scheme"), namely as: (a) self-employed person; or (b) personal account holder; or (c) Smart Easy Personal Contributions shall be governed by the following provisions ("Online Application Terms").