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  The Wealthmaker!

Legal Information

Privacy Policy

Our Commitment

At Horwath Financial Services Ltd (HFS) we recognise that your privacy is important. We are committed to supporting the Personal Data (Privacy) Ordinance of the Hong Kong Special Administrative Region ('the Ordinance') and the Data Collection Principles. The information set out below is largely a summary of our obligations under the Ordinance.

Collection

Our main purpose for collecting personal information is to facilitate financial planning, financial products or services, insurance policies or related services, and to update our records. At or before the time we collect personal information from you we will take reasonable steps to inform you why we are collecting that personal information, who else we might disclose that personal information to and what may happen if you do not provide personal information to us.

Use and Disclosure

Our ability to provide you with a comprehensive financial planning and advice service is dependent on us obtaining certain personal information about you, including:

• employment details and employment history;
• details of your financial needs and objectives;
• details of your investment preferences and aversion or tolerance to risk;
• details of your current financial circumstances, including your assets and liabilities (both actual and potential), income, expenditure, etc.
• information about your employment history, employment circumstances, family structure, commitments and social security eligibility;
• any other relevant information including medical history and/or reports required for the purposes of risk insurance.

HFS may use the personal information collected from you for the purpose of providing you with direct marketing material such as articles that may be of interest to you. You may, by contacting us by any of the methods detailed in this policy statement, request not to receive such information and we will give effect to that request. Please allow two weeks for your request to be actioned.

Data Quality

We are required to collect sufficient information to ensure appropriate advice can be given in respect of recommendations made to our clients. If you elect not to provide us with the personal information you may be exposed to higher risks in respect of the recommendations made to you and this may affect the adequacy or appropriateness of advice given to you.

Data Security

We take reasonable steps to protect the information we retain from misuse, loss and from unauthorised access, modification or disclosure. We will not retain any of your information for any longer than it is required by us, except to satisfy legal requirements. We will destroy or de-identify your personal information when it is no longer required.

Openness

We may use and disclose personal information for the purposes for which it was provided or secondary purposes in circumstances where you would reasonably expect such use or disclosure.

We may disclose personal information to third parties or external contractors carrying out functions and duties for and on behalf of HFS. It is a condition of our agreement with each of our external contractors that they adopt and adhere to this privacy policy.

The information we collect from you may also be disclosed to third parties if the disclosure is required by or permitted by law.

Access and Correction

You may access the personal information we retain and request corrections.

In accordance with the terms of the Ordinance HFS reserves the right to charge a fee for searching for and providing access to your personal information. In the event we refuse you access to your personal information, we will provide you with an explanation for that refusal.

We will endeavour to ensure that at all times the personal information about you that we hold is up to date and accurate. The accuracy of the personal information is dependant to a large degree on the information you provide and you should advise us if there are any errors in your personal information.

Privacy Queries

If you have any questions regarding this Privacy policy or the ordinance you contact us at

Horwath Financial Service Ltd.

2004 CENTRAL PLAZA
18 HARBOUR ROAD
WANCHAI
HONG KONG

Tel : (852) 2511 8337
Fax : (852) 2137 9190

Alternatively you may send us a general enquiry here.

Disclaimer

Horwath Financial Services Limited

The information provided on and made available through this website does not constitute financial, investment, accounting, tax or legal advice. The information is of a general nature only and does not take into account your individual objectives, financial situation or needs.

Please note that past performance is not necessarily a guide to future performance. Investment values may fall as well as rise. This communication does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorised to any person to whom it is unlawful to distribute such information or make such an offer or solicitation.

The information given is based on Horwath Financial Services Limited's ("Horwath") understanding of current law and Inland Revenue practise which may change in the future. We believe that the information contained herein is accurate and reliable, but we do not warrant the accuracy, completeness or currency of the information provided on or made available through this website.

To the maximum extent permitted by law Horwath and its related entities (including any directors, officers, employees and agents) shall not be liable on any ground whatsoever for any loss or damage, whether direct or indirect, and however caused, to any person in connection with the use of (or reliance upon) information provided on and made available through this website.

An investment should not be made without reference to its prospectus or explanatory memorandum. Should you require specific taxation advice, we would be pleased to arrange an introduction to Horwath Tax.

Horwath shall not be responsible for any problems or technical malfunction of any telephone network or computer on-line systems, servers, Internet access providers, computer equipment, software or any combination thereof. Including any injury or damage to your hardware or another person's hardware or software, as a result of using this website.

This website may contain links to third party websites. These links have been provided solely for you to obtain further information about other relevant products and entities in the market. Horwath and its related entities have no control over the information on these websites, or the products or services on them, and therefore make no representations regarding the accuracy or suitability of such information, products or services. You are advised to make your own enquiries in relation to third parties described or linked on this website. Our inclusion of any third party content, or a link to a third party website, is not an endorsement of that content or third party website.

Horwath reserves the right, at its sole discretion, to modify, disable and discontinue temporarily or permanently, any part or all of this website. We may alter or withdraw any information contained thereon without liability or notice to you.

As a visitor to our website, you acknowledge and agree that any reliance on or use of any information available on this website shall be entirely at your own risk. In no event will Horwath nor any of its data providers be liable for any direct, indirect, consequential or exemplary damages arising from the use or the performance of this website.