This website is intended solely for the reference of professionals and institutions. The general public should consult qualified advisors to obtain information about our services, products, and areas of expertise. None of the information provided here should be seen as an offer, solicitation, or intention to sell any financial or insurance products or services. It should not be taken as tax, legal, investment, financial, or insurance advice for any individual or corporation.

Please do not depend on the data and materials from this website for any wealth management or insurance decisions. Those seeking advanced planning solutions should consult qualified advisors to assess the appropriateness of their situation and wealth planning needs before taking any action.

We do not guarantee that the products or services featured on this website are suitable for use in other regions. They might not be available to individuals or entities from areas where local laws or regulations prohibit or restrict them. Before considering any transaction of this nature, please consult a professional to understand your local laws and regulations. Those who access these products or services do so voluntarily and are solely liable for compliance with local laws and regulations.

CHKWM earns its fees through commissions from insurers. Your agreement to engage in any insurance transaction with CHKWM implies your consent to CHKWM receiving these commissions.

We aim to provide current and accurate content on this website. However, we offer no warranties or assurances regarding the accuracy or timeliness of the information. CHKWM does not take on the responsibility of keeping the content current and precise. The information on this website is subject to change without notice. Your use of this website and its content is at your own risk. CHKWM holds the trademarks, logos, and service marks on the website, and visitors are not allowed to use them without CHKWM's written consent. The use of hyperlinks to other websites or resources is at your own risk. CHKWM does not investigate, verify, monitor, or endorse the content, accuracy, opinions, or other links on those sites. CHKWM explicitly disclaims any liability for the accuracy, content, availability, or omission of information on sites linked to or from this website. CHKWM emphasizes that all activities conducted through or at this website are at your own risk. CHKWM does not guarantee the security of any information you may send or be asked to provide to any third party. You are considered to have irrevocably waived any claims against CHKWM for any loss or damage incurred from accessing or interacting with any other websites via this website.

These terms and conditions are governed by and interpreted in accordance with the laws of the Hong Kong Special Administrative Region. Users of this website irrevocably and unconditionally consent to the non-exclusive jurisdiction of the Hong Kong Special Administrative Region, China's courts.

In case of any discrepancy between the Chinese and English versions of this Disclaimer, the English version shall take precedence.