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This web site is provided by New Concepts Foundation Limited ("the Company"). By continuing to use this web site, you agree to all of the terms in this disclaimer. The Company does not give warranty or representation of any kind, either express or implied, as to the completeness and accuracy of the contents of our web site. All information provided by this web site is for reference only. The Company expressly disclaims representation, warranty or responsibility of any kind in relation to any information (including but not limited to its goods, products or services) offered, accessed or obtained through this site or the result to be obtained from the use of this site, including without limitation any warranty as to legality, validity, accuracy, adequacy or enforceability of the information.

To the extent permitted by law, the Company disclaims all liabilities for any direct, indirect, incidental, special or consequential losses, damages, costs, claims and demands resulting from the use of or reliance on the information provided by this web site. User understands and agrees that the information will be used or relied on at the user's own discretion and risk and that user should verify the information from other independent sources and should seek independent advice prior to making a decision on any transaction.

The contents of this website are protected by copyright. The copyright and other intellectual property rights in the information on this web site are the property of the Company and the relevant owners. Unless prior written authorization is obtained from the Group or the relevant copyright works’ owner, users of this web site are prohibited from copying, modifying, distributing or using any content of this web site for commercial or public purposes.

The Company hereby reserves its right to amend or suspend any information in this web site including this disclaimer at any time in its absolute discretion without giving any reason or advance notice in respect thereof.