Head & Shoulders Financial Group

Before continuing, please read the following disclaimer and then press the appropriate option.

This site is presented for informational purposes only. The information provided on this site is for personal, non-commercial use. Neither the information nor any opinion contained in this site constitutes a solicitation or offer by Head and Shoulders Financial Group or its affiliates or partners to buy or sell any managed products of any kind or provide any investment advice or service. Any such solicitation or offer will be made only in those jurisdictions where permitted by law and must be proceeded or accompanied by a current disclosure document. The information on this site is not intended to be used as the primary basis of investment decisions. This site does not provide specific investment advice to any individual viewing the content of the site and does not represent that the services described herein are suitable for any specific investor. Please note that investment involves risk, and that past performance does not guarantee future results. Please read the applicable disclosure documents carefully before deciding upon an investment decision.

The information provided on this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Head and Shoulders Financial Group to any registration requirement within such jurisdiction or country. Anyone reading this material should be aware that any rules and/or regulations applicable to the provision of financial services (and the resultant investor protection benefits that may be available), may not be applicable to interfacing conducted through the internet medium and its various applications. The information on this site is not guaranteed as to accuracy, completeness or timeliness and such information might be subject to change, either expressly or impliedly, for any particular purpose. Head and Shoulders Financial Group expressly disclaims any warranties of merchantability or fitness for a particular purpose. Head and Shoulders Financial Group will not be responsible for any loss or damage that could result from interception by third parties of any information transmitted electronically or otherwise in connection with this site.

Information contained, including pricing, valuation, and commentary on specific products, if any, reflects the authors' analysis and other information available as of the publication date indicated. Furthermore, any quotations, news, opinions, commentaries, recommendations, data, pricing and all other information contained on this site are believed to be reliable, but Head and Shoulders Financial Group cannot and does not guarantee its accuracy, timeliness or completeness. Neither Head and Shoulders Financial Group nor any of its affiliates, directors, officers or employees, nor any third party vendor will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this site, or resulting from the act or omission of any other party involved in making this site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of Head and Shoulders Financial Group or of any vendor providing software or services support.

Head and Shoulders Financial Group reserves the right to amend this section of the Website and/or this notice at any time. Your continued use of this section of the Website following any changes will mean that you are deemed to have accepted all such changes.

YOUR AGREEMENT WITH US

By using this website you are agreeing that you have read and understood the notice on Important Information. You further hereby agree to indemnify and to Head and Shoulders Financial Group fully and effectively indemnified against any action, liability, cost, claim, loss, damage, proceeding or expense (including but not limited to any legal fees, costs and expenses whatsoever and howsoever arising on a full indemnity basis) suffered, faced or incurred by Head and Shoulders Financial Group or its affiliates or partners howsoever arising from or which is directly or indirectly related to any breach or non-observance of any of these terms and conditions by you.

Head and Shoulders Financial Group PRIVACY POLICY

Head and Shoulders Financial Group is committed to maintaining the privacy of the nonpublic personal information we obtain from you and from other sources about you in the course of providing you with our products and services.

1. Information we may collect from you

We may collect information about you to help identify you, evaluate your subscription, service and manage your investments in the products we sell, and offer you products and services you may find of interest.

We collect this information from a variety of sources including:

- Information we receive from you on this web site, if any; other forms, whether written or electronic. This information may include, but is not limited to, your name, address, HK Identity number, and information about your level of income, net worth and investment experience.

- Information about your transactions with our affiliates or others. This information could include your use of various products or services that we and our affiliates provide.

- Information we receive from our affiliates.

- Information we receive from other third parties such as demographic firms. This information could include investment preferences.

- Information we receive from you online, such as "cookies" (small pieces of data stored by your Internet browser on your computer) or other technology that may be used to, among other things, remember passwords for you, help us track your web site usage, or provide you with customized content.

Although this policy tells you about types of data we collect from you and how these are used, at the point at which you provide us with any information about you, we will ask for your consent to use that information.

2. Where we store your personal data

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy. All information you provide to us is stored on our secure servers. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our Website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.

3. How we use the information we obtain about you

In addition to using your information in relation to providing you with requested services or products, we may use information held about you in the following ways:

Marketing

Unless you have requested otherwise, if you have provided your address or telephone number to us, we may send you marketing materials by post.

If you agree for us to send you marketing or advertising emails to you, we may track those emails, including tracking whether these emails have been opened and what links you have used. If you do not want us to track your emails, you must opt-out of receiving further emails from us and you will be given details of how to opt-out in all marketing emails we send you.

If you do not wish to be contacted for marketing purposes, please visit this link:

Legal and administrative purposes

We may use your information in relation to conducting money laundering and fraud checks.

We may use your information gathered through cookies, to monitor your usage of our Website.

We may notify you about changes to our service.

4. Circumstances in which we will pass your information to others

We do not disclose information about identifiable individuals to our advertisers, but we may provide them with aggregate information about our users. We may also use such aggregate information to help advertisers reach the kind of audience they want to target.

We may disclose your personal information to any member of our group, which means our subsidiaries, our holding company and its subsidiaries.

We may disclose your personal information to non-affiliated subcontractors that perform support services for us.

We may disclose your personal information to third parties in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.

We may disclose or share your personal information with any regulatory authority, or to any person legally empowered to require such information; or to protect the rights, property, or safety of us, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

We may transfer your personal information for the purposes set out above. Where we do so we shall ensure the relevant entity safeguards your personal information to the same standards that we employ to protect such information.

5. Your rights

You have the right to receive details of the personal information we maintain on you. Please contact us by post at the address below or email if you wish to do this.

If you would like us not to process your personal data for marketing purposes, you can exercise this right at any time by contacting us using the email or postal addresses provided below.

6. Changes to our Privacy Policy

We keep our privacy policy under regular review and we will place any updates on this Website. Where appropriate, we will notify you of these updates by e-mail. The privacy policy was last updated on 1 March, 2013.

7. Contact

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed by email to: info@headandshoulders.com.hk or by post to our office address.

YOUR AGREEMENT WITH US

COMPANY INFORMATION

Head and Shoulders Financial Group PRIVACY POLICY