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Purpose. The site provides general information about the licensing and regulation of financial institutions and related businesses in different jurisdictions. It is published for professional readers and is not designed for retail consumers.
Information only. Nothing on the site is legal, regulatory, tax, accounting or investment advice, and nothing is a recommendation to take or refrain from any action. Laws, regulatory requirements, capital levels, fees and timelines change and vary by case. Always obtain advice from qualified professionals in the relevant jurisdiction before acting.
Accuracy. We research the content carefully and show the source and the date we last checked each regulatory figure. We do not guarantee that any information is complete, current or free of errors, and we may change or remove content at any time without notice.
No client relationship. Reading the site, sending an enquiry or downloading material does not create a client, fiduciary or advisory relationship. A relationship begins only when Financial Licensing Advisors and you sign a written engagement letter, after Financial Licensing Advisors’ due diligence on you.
Intellectual property. The text, graphics, videos, data compilations and software on this site belong to Financial Licensing Advisors or its licensors. You may view and print pages for your own internal use and quote short extracts with a link and attribution. Any other copying, republication, scraping or commercial use needs our written permission.
Acceptable use. You must not use the site for any unlawful purpose, submit false or misleading information, attempt to gain unauthorised access, or interfere with its operation.
Third-party links. Links to regulators, laws and other sites are provided for convenience. We are not responsible for their content or availability.
Liability. To the extent permitted by law, Financial Licensing Advisors is not liable for any loss arising from use of or reliance on the site or its content. Nothing in these terms limits liability that cannot be limited by law, including liability for fraud, or for death or personal injury caused by negligence, or any rights you have under mandatory consumer protection law where you live.
Translations. The English version of the site and of these terms is the authoritative version. Translations are provided for convenience.
Governing law and courts. These terms are governed by the laws of the Hong Kong Special Administrative Region. The courts of Hong Kong have non-exclusive jurisdiction. If you are a consumer in the European Union, you keep the protection of the mandatory rules of your country of residence and may also bring proceedings there.
Changes. We may update these terms. The version and date at the top of this page show which terms apply; continued use after a change means you accept it.