Please read these terms of use carefully before using or accessing this website ("this site"). By using or accessing this site, you are agreeing to the terms of use listed below. If you do not agree to the terms below, please do not use or access this site.

If you are a regular user of this Site, please check this Agreement for updates. It governs your use of the Site and Service. We may also post additional terms and conditions that apply to specific Site areas. These area-specific terms and conditions are incorporated into the Agreement. We may change this Agreement at any time by posting the amended Agreement on the Site. Certain provisions of these Terms may be superseded by expressly designated legal notices or terms located on particular pages at this Site. Please read this Policy carefully and be aware that we may change it at any time. As a result, we suggest you check back regularly to this page to be apprised of any updates or changes. We last revised this Agreement on 1 March 2010.
 

All contents of, and materials located on, this Site, including but not limited to the text, images and other information herein and their arrangement, are protected by copyright, trademark and other proprietary rights of GAIN MILES Assurance Consultants Ltd and its associated companies ("GAIN MILES"). This means that you shall not without the express written consent of GAIN MILES distribute the text or graphics to others; "mirror" or include this information on your own server or documents; or modify or re-use the text or graphics on this system. GAIN MILES reserves all other rights. The “GAIN MILES" and “mympf.com.hk” logos are trademarks of GAIN MILES Assurance Consultants Ltd.

All trademarks, service marks, logos and any other marks whatsoever are used for the benefit of their respective owners and is not intended to infringe the trademark of any such person.
    

Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise any license or right under any patent, trademark, or proprietary rights of GAIN MILES or of any third party. Except as expressly provided above, nothing contained herein shall be construed as conferring any license or right under any GAIN MILES copyright. 
 

All information (including without limitation, specifications, descriptions and prices) appearing in this Site may be revised or withdrawn, in whole or in part, at any time without notice and shall not in any event form or constitute part of an offer or terms and conditions of a contract. By using this Site, you agree to be bound by any such revisions and you agree to periodically visit this page to determine the then current terms of use to which you are bound. 
 

You agree not to use the Service for any purpose that is unlawful or prohibited by this Agreement. You agree not to post or submit on this Site, any material that:
(a) infringes or may infringe on anyone else’s copyright, trade secret, trademark, or other intellectual property rights; (b) violates or may violate others’ privacy or publicity rights; (c) is obscene, defamatory, threatening, harassing, abusive, hateful, or embarrassing to another party; (d) impersonates another person; or (e) breaches any obligations of confidentiality or any other contractual obligation you may owe to any third parties.

You further agree not to submit any materials that contain viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines or engines that are intended to damage, detrimentally interfere with, surreptitiously intercept, or expropriate any system, data, or information. You may not try to gain unauthorized access to the Service, other accounts, computer systems or networks connected to the Service through hacking, password mining, or any other means. You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy pages of this Site or the content contained on it without our express prior written permission.

We may (but need not) monitor, edit, or remove any content from this Site that violates this Agreement.
  

The information published on this Site is provided without charge as a convenience to visitors, to be used for informational purposes only and shall not be construed as an offer or solicitation to deal in the funds or products referred to or contained in this Site. While GAIN MILES has tried to provide accurate and timely information, there may be inadvertent delays, omissions, technical or factual inaccuracies and typographical errors.

The information provided on this site is provided "AS IS", "AS AVAILABLE" and is provided by way of a simple summary. GAIN MILES does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained in this Site, and GAIN MILES expressly disclaims liability for errors or omissions in these materials. GAIN MILES makes no commitment to update the information contained in this Site. Accordingly, you are advised to read the relevant prospectuses of products mentioned in this Site for further information.

All materials and contents found in this Site are strictly for information purposes only and should not be considered as an offer, or solicitation, to deal in any of the funds or products found in this Site. Any forecasts or projections or forward looking statements made whether by GAIN MILES or any other party in this Site are not necessarily indicative of future or likely performance, future events or future financial performance of products, countries, markets or companies. These statements are only predictions and actual events or results may differ. While certain tools available on the Site may provide general investment or financial analysis based upon your personalized input, such results are not to be construed as our providing investment recommendations or advices. Please make your own assessment of the relevance, accuracy and adequacy of the information contained in this Site. You are advised to make your independent investigations as may be necessary or appropriate for the purpose of such assessment including the investment risks involved.

Any opinion or estimate contained in this Site is made on a general basis and neither GAIN MILES nor any of its servants or agents have given any consideration to nor have they or any of them made any investigation of the investment objective, financial situation or particular need of any user or reader, any specific person or group of persons. Please consult the independent and professional advisors to ensure that any decision made is suitable with regards to the investors’ circumstances and financial position. Accordingly, GAIN MILES expressly disclaims all liability for the use or interpretation by others of information contained in this Site or for any loss arising whether directly or indirectly as a result of the visitor, user, any person or group of persons acting on any information, opinion or estimate contained in this Site. Decisions based on information contained in this Site is your sole responsibility, and in exchange for using this Site, you agree to hold GAIN MILES, its subsidiaries and affiliates harmless against all and any claims for damages arising from any decisions that you make based on such information.

Speculation or stated beliefs about future events, such as market and economic conditions, company or security performance, upcoming product offerings or other projections are “forward-looking statements” and involve risks and uncertainties. General business, market, economic and political conditions could cause actual results to differ materially from what we presently anticipate or project.

Investment products are not deposits or other obligations of, or guaranteed or insured by GAIN MILES or any other issuers or investment manager referred to in this Site or their affiliates and are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future performance. The value of the investment products and the income from them may fall as well as rise. All applications for investment products must be made on the application form accompanying the prospectus. Investors should read the prospectus for details. All products are not available to U.S. persons unless expressly declared.

If you are accessing this Site from a jurisdiction outside of Hong Kong, you are responsible for compliance with the applicable laws and regulations of your jurisdiction. Please do not access this Site if the publication or availability of this Site is prohibited in your jurisdiction in any way.
  

Visitors to this site assume all responsibility and risk for the use of this site. GAIN MILES and its affiliates disclaim all warranties, representations and endorsements, express or implied, with regard to information accessed from or via this site, including but not limited to all express and implied warranties, including warranties of title, merchantability, fitness for a particular purpose, non-infringement, and freedom from computer virus. GAIN MILES does not assume any liability or responsibility for the accuracy, completeness, or usefulness of the information disclosed at or accessed through this site. In no event shall GAIN MILES be liable for any direct, special, indirect, or consequential damages, or any other damages of whatsoever kind resulting from whatever cause, including but not limited to loss of use, loss of profits, or loss of data, whether in an action under contract, negligence, or strict liability, or otherwise, arising out of or in any way in connection with the use or performance of the information on, or accessed through, this site.

Any advice or recommendation in the site has been made on a general basis without taking into account or considering the investment objective, financial situation or particular need of any user or reader, any specific person or group of persons. Any reliance on such advice or recommendation is entirely at your own risk in all cases, you should always seek the advice of professional advisers regarding the evaluation of any product, unit trust or other financial instrument, report, index, advice, opinion or any other content.

Any hyperlinks to any other websites are not an endorsement or verification of such websites and such websites should only be accessed at the user's own risks.

This exclusion clause shall take effect to the fullest extent permitted by law. 
 

GAIN MILES makes no representations whatsoever about any other web site which you may access through this Site. When you access a non-GAIN MILES web site, please understand that it is independent from GAIN MILES, and that GAIN MILES has no control over the content on that web site. In addition, a link to a non-GAIN MILES web site does not mean that GAIN MILES endorses or accepts any responsibility for the content, or the use, of such web site and GAIN MILES shall not be liable for any accuracy or quality of any such content. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature. GAIN MILES makes no representation or warranty as to any third party products. 
 

You agree to use the Forum only to post, send and receive messages and materials that are proper and legal and shall not engage in any activities that violate any applicable laws or regulations, or activities deemed by GAIN MILES in its sole discretion to be unsuitable. You shall be responsible for any claims or actions made against you in respect of messages and materials posted or sent by you to the Forum.

GAIN MILES is not obliged to monitor the Forum but reserves all rights to review comments, information and materials posted to the Forum and delete such comments, information or materials in its sole discretion and to terminate your access to the Forum without notice and for any reason whatsoever.

All users of the Forum are not authorized spokespersons of GAIN MILES, and their views and comments are their own and do not reflect those of GAIN MILES. 
 

This section is applicable to registered users only. You have been provided with an account ("Account"), a Login name ("Login name") and password ("Password") specific to your Account which you may use to navigate and carry out transactions on this Site. GAIN MILES shall be entitled to disclose the Login name, Password or Account contents to any third party if required to do so by any law, regulation or court order.

You shall :- (a) be responsible for ensuring the confidentiality of your Account, Login name and Password; (b) immediately notify GAIN MILES of any theft or unauthorized use of your Account, Login name and Password or any other breach of security; (c) log out of your browser at the end of each of your sessions on the Site; (d) not disclose your Login name or Password to any third party; (e) be solely responsible for any activities that take place through your Account, Login name or Password and for the contents of your Account.

In no circumstances shall GAIN MILES be liable to you in any way whatsoever for any loss, damage, costs, expense incurred by you as a result of, arising out of or in connection with, whether directly or indirectly, the wrongful or fraudulent use of your Account, Login name or Password.

You shall have no rights, title, interests over your Account, Login name or Password. GAIN MILES shall be entitled (in its sole discretion and without assigning any reason) to terminate the use of the same at any time whatsoever. Upon such termination, you shall no longer be entitled to use or access your Account, Login name or Password. GAIN MILES shall not be liable to you or any third party for any termination, deactivation or deletion of your Account, Login name or Password or the contents of the Account.
  

The Internet is, due to unpredictable traffic congestion and other reasons, an inherently unreliable medium of communication and that such unreliability is beyond the control of GAIN MILES. You acknowledge that, as a result of such unreliability, there may be delays in the transmission and receipt of Instructions and other information which may result in delays in the execution of Instructions and/or the execution of Instructions at prices different from those prevailing at the time the Instructions were given. You further acknowledge and agree that there are risks of misunderstanding or errors in any communication and that such risks shall be absolutely borne by you. You acknowledge and agree that it will not usually be possible to cancel an Instruction after it has been given.
  

By using and accessing this Site website, you agree that Hong Kong law shall govern such use and access and you agree to submit to the exclusive jurisdiction of the Hong Kong courts.

Investment involves risk. The price of securities may go down as well as up, and under certain circumstances an investor may sustain a total or substantial loss of investment. Past performance is not necessarily indicative of the future or likely performance of the fund or products. Investors should read the relevant product’s prospectus for details before making any investment decision. An Investor should make an appraisal of the risks involved in investing in these products and should consult their own independent and professional advisors, to ensure that any decision made is suitable with regards to their circumstances and financial position.