This website is operated by SC Lowy Financial (HK) Limited (CE no.: ATI431), a company incorporated in Hong Kong with its principal place of business at 23 Floor, 26 Des Voeux Road Central, Hong Kong (“SC Lowy”). It is licensed under the Securities and Futures Ordinance (“Ordinance”) to conduct regulated activities in Hong Kong, subject to the condition that it shall only provide services to “professional investors”, as defined in the Ordinance.

Access to this website is subject to the following terms and conditions and our privacy policy, which forms part of the terms and conditions of this website and is hereby incorporated by reference. Use of this website constitutes your agreement to be bound by all such terms and conditions without limitation or qualification, which terms and conditions may be updated and revised from time to time by SC Lowy without notifying you. You should periodically visit this page to review the current terms and conditions. Any updates and revisions shall be effective upon posting. By accessing this website after such updates and revisions, you agree to be and are bound by the terms and conditions as revised.

ALL INFORMATION CONTAINED IN THIS WEBSITE INCLUDING THIS DISCLAIMER INFORMATION HAS NOT BEEN REVIEWED BY ANY REGULATORY AUTHORITY, INCLUDING THE SECURITIES AND FUTURES COMMISSION (“SFC”).

IF YOU DO NOT AGREE TO THESE TERMS & CONDITIONS, PLEASE DO NOT PROCEED TO ACCESS OR USE THIS WEBSITE.

Disclaimer

All information published on this website is only intended for “professional investors”, as defined in the Ordinance. This website may contain information on investment products that are not authorised by the SFC for offering to the public in Hong Kong and may not be browsed by Hong Kong investors who are not professional investors.

All information published on this website does not constitute an invitation, offer, recommendation or solicitation of an offer to subscribe to units or shares in any fund or account managed by SC Lowy; or to make an investment in SC Lowy or to purchase or sell any investment product or engage in any service offered by SC Lowy (the “Products and Services”) in any country or jurisdiction. An investment in SC Lowy or its Products and Services involves a high degree of risk, including the risk of a partial or total loss of capital, should be deemed a speculative investment, and is not intended as a complete investment program. Any investment in SC Lowy or its Products and Services are suitable only for professional investors who fully understand and are capable of bearing the risks of such an investment, and require the financial ability and willingness to accept the risks and lack of liquidity inherent in an investment in SC Lowy or its Products and Services. No guarantee or representation is made that SC Lowy will achieve its investment objectives, that its strategies will be successful or that investors will receive a return of their capital (including any contributions in kind or in cash).

In making an investment decision, investors must rely on their own evaluation of SC Lowy and its Products and Services, including the merits and risks involved. Prospective investors should not construe the contents of this website as legal, tax, investment, or accounting advice and each prospective investor is urged to consult with its own advisers with respect to legal, tax, regulatory, financial, and accounting consequences of its investment in SC Lowy or any of its Products and Services.

Any investment or potential transaction described or contemplated in connection with the information published on this website remains subject to legal and regulatory requirements applicable in your jurisdiction and you shall be solely responsible for complying with all applicable legal and regulatory requirements in any relevant jurisdiction. The website is not directed at any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) the publication or availability of the website is prohibited. Persons in respect of whom such prohibitions apply must not access this website.

The information presented herein is for information and illustrative purposes only. It reflects the investment philosophy and methodology that is expected to be used by SC Lowy or its affiliates in managing its fund(s) under normal market conditions. You should read the relevant offering documents and in particular the investment policies and the risk factors before making any investment decision. An investment in any fund(s) is speculative and entails substantial risks. In considering any prior performance information contained in this website (if any), prospective investors should bear in mind that past performance is not necessarily indicative of future results and there can be no assurance that SC Lowy and any of its Products and Services will achieve comparable results or be able to avoid losses, that targeted returns will be met, or that SC Lowy will be able to make or offer services in connection with investments similar to the historic investments presented herein because of, among other things, economic conditions and the availability of investment opportunities.

There can be no assurance that investments will yield comparable results to those described in materials provided to prospective investors. Such rates of return were achieved in the past under different economic and industry environments. Accordingly, there can be no assurance that these or comparable returns (or even positive returns) will be achieved by investments individually or in the aggregate or that there will be any return of capital.

Certain information contained in this website may constitute “forward-looking statements,” that are not purely historical in nature, and such information may include, among other things, projections, forecasts or estimates of cash flows, yields or returns, scenario analyses and proposed or expected portfolio composition. The forward-looking information contained herein is based upon certain assumptions about future events or conditions and is intended only to illustrate hypothetical results under those assumptions (not all of which will be specified herein). Not all relevant events or conditions may have been considered in developing such assumptions. The success or achievement of various results and objectives is dependent upon a multitude of factors, many of which are beyond the control of SC Lowy. No representations are made as to the accuracy of such estimates or projections or that such projections will be realized. Actual events or conditions are unlikely to be consistent with, and may differ materially from, those assumed. Due to various risks and uncertainties, actual events or results or the actual performance of SC Lowy and any Products and Services offered by it may differ materially from those reflected or contemplated in such forward-looking statements. Although certain information included in this website is based on information obtained from sources considered to be reliable, any projections or analyses provided to assist the user of this website in evaluating the matters described herein may be based on subjective assessments and assumptions and may use one among alternative methodologies that produce different results. Accordingly, any projections or analyses should not be viewed as factual and should not be relied upon as an accurate prediction of future results. The benchmark indices presented in this website may or may not hold substantially similar instruments to those that SC Lowy intends to hold. Given these inherent risks and uncertainties, you should not rely on “forward-looking statements”.

The materials contained in this website, including services, products, information, data, text, graphics, audio, video, links or other items are provided “as is” and “as available”. To the fullest extent permitted by law, SC Lowy disclaims all warranties, express or implied, as to any matter whatsoever relating to this website and any information, materials, products and services provided herein, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, title and non-infringement of third party rights.

SC Lowy shall in no event be liable or responsible for any damages, loss or expense including without limitation, direct, indirect, special, consequential or punitive damages or economic loss arising from or in connection with:

1. any access, use or the inability to access or use this website, or reliance on the contents of this website;
2. any system, server or connection failure, error, omission, interruption, delay in transmission or computer virus;
3. any use of or access to any other website linked to this website; or
4. any services, products, information, data, software or other material obtained from this website or from any other website linked to this website,

howsoever caused, including negligence, even if SC Lowy or its employees or authorized representatives have been advised of the possibility of such damages, losses and/or expenses. This exclusion clause shall take effect to the fullest extent permitted by law.

SC Lowy makes no representations whatsoever about any other website which you may access through this website. When you access a non-SC Lowy website, please understand that it is independent from SC Lowy, and that SC Lowy has no control over the content on that website. In addition, a link to a non- SC Lowy website does not mean that SC Lowy endorses or accepts any responsibility for the operator of such website, the content, or the use, of such website and SC Lowy shall not be liable for any accuracy or quality of any such content. Accordingly, no guarantee, representation or warranty whatsoever is given and no liability or responsibility whatsoever is given for any loss arising whether directly or indirectly as a result of the user, any person or group of persons acting on any information, opinion or estimate contained in any website linked to this website.

This website is directed only at users within Hong Kong Special Administrative Region (“HKSAR”) and the information provided is not for distribution outside of HKSAR. Unless otherwise expressly set forth herein, SC Lowy has not made any representation that materials on this website are appropriate for use in any location outside HKSAR. The distribution of this website’s material may be restricted by law in certain jurisdictions. It is the user’s responsibility to find out what those restrictions are and observe them. SC Lowy shall not be liable to any person in any way for visiting this website.

These terms and conditions shall be governed by the laws of HKSAR. By accessing this website and/or using the services offered through this website, you agree that the laws of HKSAR, shall govern such access and the provision of such services, and you agree to submit irrevocably to the non-exclusive jurisdiction of the courts of HKSAR.

Copyright, Trademarks and Other Intellectual Property Rights

You should assume that everything you see or read on this website is protected by copyright and other intellectual property rights unless otherwise noted and may not be copied, used, reproduced or distributed in any way without the prior written permission of SC Lowy, except as provided in these terms and conditions or in the text on this website. SC Lowy neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with SC Lowy.

Images of people or places displayed on this website are either the property of, or used with permission by, SC Lowy. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by these terms and conditions or specific permission is provided elsewhere on this website. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and other applicable laws and regulations.

All trademarks, service marks, trade names, logos and icons (collectively “Trademarks”) displayed on this website are registered and unregistered Trademarks of SC Lowy and/or its affiliates except where specifically indicated otherwise. Nothing contained in this website should be construed as granting, by implication, estoppel, or otherwise, any licence or right to use any Trademark displayed on this website without the written permission of SC Lowy or such third party that may own the Trademarks displayed on this website. Your use of the Trademarks displayed on this website, or any other content on this website, except as provided in these terms and conditions, is strictly prohibited.

Other Important Notice

(i) Internet Fraud Alert

The purpose of this message is to highlight the following guidelines, which are designed to protect you:

• Always access our website by typing [www.sclowy.com], to prevent any misdirection by a third party to a bogus website. Bogus look-alike websites are designed to trick customers into divulging their personal information. Should you encounter a suspicious website claiming to be offered by SC Lowy, leave it immediately. Do not follow any of the instructions on the website. Instead, report incident at once by sending an email to info@sclowy.com; and
• SC Lowy does not make unsolicited requests for your personal information through e-mail or on the telephone unless you have initiated the contact. If you encounter such an unsolicited request purporting to be from SC Lowy, please report the incident at once by sending an email to info@sclowy.com.

(ii) Spyware Alert

Spyware is an emerging internet security threat. Some spyware, when installed, redirect and reroute the internet connections of users through the spyware servers. Communication traffic and customer transactions routed through such servers are susceptible to unauthorized access and disclosure. As a result, account identifiers, financial transactions and other confidential data might be exploited.

You are advised against installing spyware and other kinds of software that may contain keystroke loggers, viruses, worms and trojan horses.

You are also reminded to regularly scan and protect your computers from spyware, keystroke loggers, viruses, worms and other trojan horses using updated anti-spyware/anti-virus software and firewalls.