Corporate Governance

Overview
The Board of Directors of the Company is committed to maintaining high standards of corporate governance and integrity, and to ensuring transparent and adequate levels of disclosure.
Shareholders' Rights

SHAREHOLDERS’ RIGHTS - ENQUIRIES

Shareholders may put enquiries to the Board or put forward proposals relating to the operations, strategy and/or management of the Group to be discussed at shareholders’ meetings. Shareholders’ enquiries or proposals can be directed in writing to the Board or the Company Secretary at Units 4708-10, 47/F, The Center, 99 Queen's Road, Central, Hong Kong or by email to info@masonhk.com.

SHAREHOLDERS’ RIGHTS - MEETINGS

Pursuant to Article 69 of the Articles of Association of the Company and Section 566 of the Companies Ordinance (Chapter 622 of the laws of Hong Kong), shareholder(s) of the Company holding not less than 5% of the total voting rights of the Company may request the Board of Directors of the Company to convene a general meeting by way of depositing a written request at the registered office of the Company (Units 4708-10, 47/F, The Center, 99 Queen's Road, Central, Hong Kong) or by email to info@masonhk.com. The objects of the meeting must be stated in the related requisition which must be authenticated by the requisitionist(s).
Under Section 615 of the Companies Ordinance, shareholder(s) holding not less than 2.5% of the total voting rights or not less than 50 shareholders may propose any resolution at the annual general meeting by way of depositing a written notice authenticated by the requisitionist(s) at the registered office of the Company (Units 4708-10, 47/F, The Center, 99 Queen's Road, Central, Hong Kong) or by email to info@masonhk.com not less than six weeks before the meeting. The notice shall contain a description of the proposed resolution desired to be put forward at the meeting, the reasons for such proposal and any material interest of the proposing shareholder(s) in such proposal.
Election of Directors

Per Article 117 of the Company's Articles of Association

No person other than a Director retiring at a meeting shall, unless recommended by the Directors for election, be eligible for election as Director at any general meeting unless a notice signed by a member (other than the person to be proposed) duly qualified to attend and vote at the meeting for which such notice is given of his intention to propose such person for election and also a notice signed by the person to be proposed of his willingness to be elected shall have been lodged at the registered office of the Company provided that the minimum length of the period during which such notice(s) are given shall be at least seven (7) days and that the period for lodgment of such notice(s) shall commence no earlier than the day after the dispatch of the notice of the general meeting appointed for such election and end no later than seven (7) days prior to the date of such general meeting.

Shareholders Communication Policy

SHAREHOLDERS COMMUNICATION POLICY

I. OBJECTIVE

Mason Financial Holdings Limited (the “Company”) is committed to enhancing long-term shareholder value through regular communication with its shareholders, both individual and institutional (the “Shareholders”).

To this end, the Company strives to ensure that all Shareholders have ready and timely access to all publicly available information of the Company. The Company sets out in this Policy the framework that it has put in place to promote effective communication with Shareholders so as to enable them to engage actively with the Company and exercise their rights as shareholders in an informed manner.

II. COMMUNICATION WITH SHAREHOLDERS

A. Shareholders’ meetings

The annual general meetings and other general meetings of the Company are the primary forum for communication with Shareholders and for Shareholder participation.

The Company encourages Shareholders to participate in shareholders’ meetings physically or to appoint proxies to attend and vote at such meetings for and on their behalf if they are unable to attend.
Notices of general meetings and the accompanying papers are provided within a prescribed time prior to the meetings on the websites of the Company (www.masonhk.com) and Hong Kong Exchanges and Clearing Limited (“HKEx”) (www.hkexnews.hk), and by post to those Shareholders who have elected to receive a hard copy version of such communication.

Shareholders’ meetings are held at a convenient location where the Chairman of the Board of the Company, Directors, and if required, Chairmen of Board committees and representatives from the auditor would be present and are available to answer questions from Shareholders.

B. Financial and other reportings

The Company reports operating results on a half yearly basis and produces interim and annual reports in accordance with the Rules Governing the Listing of Securities on The Stock Exchange of Hong Kong Limited (“SEHK”) and other applicable laws and regulations (the “Regulatory Requirements”).

From time to time, the Company communicates other information to Shareholders by way of Company’s announcement and/or circular, in compliance with the Regulatory Requirements or otherwise.

C. Corporate website

The Company’s website (www.masonhk.com) provides information on the Company, including shareholders communication. Annual reports, interim reports, announcements and circulars of the Company are posted as soon as practicable, following their release to SEHK on the website of HKEx, on the Company’s website to facilitate communication between the Company, Shareholders and the investment community.

Shareholders may, as a standing or an ad hoc instruction, elect to receive certain shareholders communication (such as notices of general meetings and accompanying papers, circulars, annual reports and interim reports) from the Company by post. In the absence of any such instructions, Shareholders will receive a notification letter informing them of the release of the documents on the websites of the Company and HKEx.

III. COMMUNICATION WITH THE COMPANY

Shareholders may, at any time, direct questions, request for publicly available information and provide comments and suggestions to Directors or management of the Company. Such questions, requests and comments can be addressed to the Board of Directors or the Company Secretary of the Company by mail to Units 4708-10, 47/F, The Center, 99 Queen's Road, Central, Hong Kong or by email to info@masonhk.com.

Shareholders should direct their questions about their shareholdings by mail to the Company’s Share Registrar, Computershare Hong Kong Investor Services Limited, at 17M Floor, Hopewell Centre, 183 Queen’s Road East, Hong Kong or by email to hkinfo@computershare.com.hk, who has been appointed by the Company to deal with Shareholders for share registration and related matters.

IV. SHAREHOLDER PRIVACY

The Company recognises the importance of Shareholders’ privacy and will not disclose Shareholders’ information without their consent, unless required by law to do so.

Executive Directors

Mr. Ko Po Ming (Joint Chairman and Chief Executive Officer)

Mr. Ko Po Ming, aged 58, has been appointed as the Joint Chairman of the Board, an executive director and the Chief Executive Officer of the Company since 8 September 2016. Mr. Ko has over 33 years of extensive experience in finance and investment banking business. Prior to joining the Company, Mr. Ko was the Chief Executive Officer of CMBC International Limited, a wholly-owned subsidiary of the China Minsheng Banking Corp. Ltd. From October 2012 to March 2015, Mr. Ko was a consultant of China Minsheng Banking Corp., Ltd., Hong Kong Branch and was responsible for the setting up of CMBC International Holdings Limited. Prior to co-founding Goldbond Capital Holdings Limited (“GCHL”) in 2003, he was the Head of Asian Corporate Finance of BNP Paribas Peregrine Capital Limited where he was in charge of the corporate finance business in Asia. GCHL was acquired by Piper Jaffray Companies (NYSE: PJC) in 2007 and its name was changed to Piper Jaffray Asia Holdings Limited ("PJA"). Since then and until September 2012, Mr. Ko served as the chief executive officer of PJA. Mr. Ko graduated from The Chinese University of Hong Kong in 1982 with a Bachelor’s degree in Business Administration.

Mr. Ko had acted as independent non-executive directors of a number of Hong Kong and Mainland China listed companies, including (i) Nanjing Panda Electronics Company Limited (stock code: 553) between 1996 and 1999; (ii) Dazhong Transport (Group) Company Limited (SHA: 600611) between 1997 and 2003; (iii) Chinese Energy Holdings Limited (formerly known as iMerchants Limited (stock code: 8009)) between 2000 and 2004; and (iv) Tianjin Capital Environmental Protection Group Company Limited (stock code: 1065) between 2003 and 2009. Mr. Ko was a Listing Committee member of the Main Board and Growth Enterprise Market of the Stock Exchange between May 2003 and June 2009.
At present, he is a non-executive director of Globe Metals and Mining Limited (ASX: GBE) and Petro-king Oilfield Services Ltd. (stock code: 2178) respectively. He is also a trustee of St. Johnsbury Academy, an independent day and boarding secondary school. St. Johnsbury Academy is a non-profit corporation under section 501(c)(3) of the Internal Revenue Code in the United States of America.
Mr. Chang Tat Joel (Chief Operating Officer)

Mr. Chang Tat Joel, aged 48, has been appointed as an Executive Director, a member of the remuneration committee of the Company, the Chief Operating Officer and the Authorised Representative of the Company since 8 September 2016. Mr. Chang has considerable strategic, financial and advisory experience. He is the Co-founder of AID Partners Capital Limited and a founder of Genius Link Assets Management Limited, both are private equity investment companies. He is an investment committee member of AID Partners Capital Limited, and is responsible for its strategic investment planning. Prior to founding AID Partners Capital Limited, he was the chief investment officer of Investec Asia Limited, a managing director of China Everbright Capital Limited and an executive director of BNP Prime Peregrine Capital Limited. He is also a member of the Australian Society of Certified Practising Accountants and the Hong Kong Institute of Certified Public Accountants. He obtained a bachelor’s degree in Economics from Monash University in 1990.

Mr. Chang is a non-executive director of AID Partners Technology Holdings Limited (Stock Code: 8088), an independent non-executive director of Dragonite International Limited (Stock Code: 329), a non-executive director of Kong Sun Holdings Ltd. (Stock Code: 295), and an independent non-executive director of Hailiang International Holdings Limited (Stock Code: 2336), all of the abovementioned companies are listed on the Stock Exchange. He was formerly an independent non-executive director of Kingsoft Corporation Limited (Stock Code: 3888), and was an executive director and the chief financial officer of Orange Sky Golden Harvest Entertainment (Holdings) Limited (Stock Code: 1132), both of which are listed on the Stock Exchange. He was an independent director of China Mobile Games and Entertainment Group Limited, a company previously listed on NASDAQ.

Mr. Man Wai Chuen

Mr. Man Wai Chuen, aged 53, has been appointed as a Director of the Company since July 2013. Mr. Man holds a Master’s degree in Business Administration from the University of Sheffield in the United Kingdom. He is a fellow member of the Association of Chartered Certified Accountants and the Hong Kong Institute of Chartered Secretaries and an associate member of the Hong Kong Institute of Certified Public Accountants (“HKICPA”). He has over 20 years of experience in company secretarial and accounting fields. Mr. Man was formerly an independent non-executive director of Skyway Securities Group Limited (stock code: 1141) from November 2014 to November 2015 and China Optoelectronics Holdings Group Company Limited (stock code: 1332) from August 2015 to January 2016, both of which are listed companies in Hong Kong.

Ms. Lui Choi Yiu Angela

Ms. Lui Choi Yiu Angela, aged 42, has been appointed as an Executive Director, is the chief financial officer of the Group, the director of subsidiaries and the member of nomination committee since 26 April 2016. She is responsible for overall financial strategies, planning and management of the Group. Prior to joining the Group, Ms. Lui had over 4 years of experience in audits in an international certified public accounting firms, over 16 years of experience in accounts, finance, operations, compliance and company secretarial duties in a listed securities firm and over seven years of experience in company secretarial duties in a listed electroplating equipment designing and manufacturing company in Hong Kong. She has over 20 years of experience in finance, accounting and management as well as extensive experience in management and operations of securities business. Ms. Lui graduated with a Bachelor of Science degree in Accounting from Azusa Pacific University in California, USA and a Postgraduate Diploma in Corporate Administration from Hong Kong Polytechnic University. She is currently a member of the American Institute of Certified Public Accountants and a member of the Hong Kong Institute of Certified Public Accountants.

Non-Executive Directors

Mr. Tong Tang Joseph (Joint Chairman)

Mr. Tong Tang Joseph, aged 56, has been appointed as a non-executive Director and the Chairman of the Company, and is the Chairman of the nomination committee of the Company since 26 April 2016. Mr. Tong has over 30 years of experience in the financial services industry. He was an executive director of Sun Hung Kai & Co. Limited, a company listed on the Main Board of the Stock Exchange (Stock Code: 86), from 4 December 2003 to 25 January 2016. During this period, he held various positions including chief executive officer of the Capital Markets and Institutional Brokerage department. He has also previously held senior positions with a number of international banks and financial institutions, including ABN AMRO Bank, CCIC Finance Limited, Bain & Co. Securities Limited and Bali International Finance Limited. He also was an independent non-executive director of Carry Wealth Holdings Limited, a company listed on the Main Board of the Stock Exchange (Stock Code: 643) from 4 July 2013 to 4 July 2016. Mr Tong is also an independent director of Jih Sun Financial Holding Co., Ltd. (and two of its subsidiaries), the shares of which are listed on the Gre Tai Securities Market (GTSM) in Taiwan. Mr. Tong has a Bachelor’s Degree in Social Sciences from the University of Hong Kong and a Master’s Degree in Business Administration from the Chinese University of Hong Kong, and is a fellow member of the Association of Chartered Certified Accountants.

Ms. Hui Mei Mei, Carol

Ms. Hui Mei Mei, Carol, aged 41, has more than 18 years’ experience in property development, and more than 10 years’ experience in management and strategic planning of listed companies. Ms. Hui obtained a Bachelor’s Degree in Commerce majoring in Accounting from Macquarie University in Australia in 1997. She is also a Certified Practising Accountant in Australia.

Ms. Hui is currently a member of Beijing Committee of the Chinese People’s Political Consultative Conference, a council member of Beijing Chinese Overseas Friendship Association and a member of the Youth Committee of All-China Federation of Returned Overseas Chinese. Ms. Hui is currently the vice chairman of Shanghai Shimao Co., Ltd., a company listed on the Shanghai Stock Exchange (SHA: 600823), and the vice chairman and president of Shimao International Holdings Limited.

Independent Non-Executive Directors

Mr. Lam Yiu Kin

Mr. Lam Yiu Kin, aged 61, has been appointed as an independent non-executive Director of the Company since August 2015, and is the Chairman of the audit committee, a member of both the nominating committee and remuneration committee of the Company. He graduated from Hong Kong Polytechnic University with a higher diploma in accounting in October 1975 and was conferred an Honorary Fellow in November 2002. Mr. Lam became a fellow member of the Association of Chartered Certified Accountants in June 1983, a fellow member of the Chartered Accountants of Australia and New Zealand in June 1999, a fellow member of the HKICPA in June 1989 and a fellow member of Institute of Chartered Accountants in England and Wales in January 2015. Mr. Lam was previously a member of the Listing Committee and the Financial Reporting Advisory Panel of the Stock Exchange from 1997 to 2003, a committee member of HKICPA from 1994 to 2009. Mr. Lam was a partner with PricewaterhouseCoopers Hong Kong from July 1993 to June 2013. He is also currently an adjunct professor of the School of Accounting and Finance of The Hong Kong Polytechnic University and a committee member of the Finance Management Committee of The Hong Kong Management Association. He has extensive experience in finance and accounting, auditing and business consultation. Since October 2013, Mr. Lam has been serving as an independent non-executive director of Shanghai Fudan-Zhangjiang Bio-Pharmaceutical Co., Ltd. (a company listed on the Stock Exchange, stock code: 1349). From June 2014 to September 2015, he served as an independent non-executive director of Kate China Holdings Limited (a company listed on the Stock Exchange, stock code: 8125). Since January 2015, he has been serving as an independent non-executive director of Spring Asset Management Limited (the units of Spring Real Estate Investment Trust, which is managed by Spring Asset Management Limited, is listed on the Stock Exchange, stock code: 1426). He has been serving as an independent non-executive director of Vital Mobile Holdings Limited (a company listed on the Stock Exchange, stock code: 6133) since September 2014, an independent non-executive director of Global Digital Creations Holdings Limited (a company listed on the Stock Exchange, stock code: 8271) since July 2015, an independent non-executive director of COSCO Shipping Ports Limited (a company listed on the Stock Exchange, stock code: 1199) and an independent non-executive director of Shougang Concord Century Holdings Limited (a company listed on the Stock Exchange, stock code: 103) since August 2015 and an independent non-executive director of Nine Dragons Paper (Holdings) Limited (a company listed on the Stock Exchange, stock code: 2689) since March 2016.

Mr. Yuen Kwok On

Mr. Yuen Kwok On, aged 51, has been appointed as an independent non-executive Director of the Company since October 2015. Mr. Yuen graduated from the La Trobe University in Australia in July 1991 with a bachelor degree of economics. He obtained a master degree of business administration from Hong Kong Baptist University in December 1998. Mr. Yuen is a member of the CPA Australia and the Hong Kong Institute of Certified Public Accountants since September 1994 and April 1995, respectively. He has more than 22 years of working experience in the field of finance and accounting. Mr. Yuen was the chief financial officer and company secretary of Orange Sky Golden Harvest Entertainment (Holdings) Limited (“OSGH”) (a company listed on the Stock Exchange, stock code: 1132). Prior to joining OSGH in October 1996, Mr. Yuen had over 5 years audit working experience in international accounting firms. Mr. Yuen worked in OSGH for more than 16 years and left OSGH in June 2013. He has extensive experience in financial analysis, risk control and mergers and acquisitions, as well as in-depth knowledge of operations of OSGH and its subsidiaries. Since July 2013, Mr. Yuen has been serving as an independent non-executive director of AID Partners Capital Holdings Limited (a company listed on the Growth Enterprise Market Board of the Stock Exchange, stock code: 8088).

Mr. Tian Ren Can

Mr. Tian Ren Can, aged 55, has been appointed as an independent non-executive Director of the Company, and is the members of the audit committee, remuneration committee and nomination committee of the Company since 26 April 2016. Mr. Tian has more than 20 years of working experience in the field of finance. Mr. Tian is currently the chief executive officer of UBP Investments Management (Shanghai) Limited. He was the chief executive officer of HFT Investments Management Co., Ltd. from April 2003 to March 2015. Before that, Mr. Tian worked for multi-national financial institutes. Mr. Tian obtained a Master Degree of Business Administration awarded jointly by Manchester Business School and University of Wales of the United Kingdoms. He obtained a Master Degree in Political Sciences International Relations from Shanghai International Studies University. Mr. Tian graduated from Shanghai Foreign Languages Institute with a Bachelor Degree in French Language and French Literature. Since June 2016, Mr. Tian has been serving as an independent executive director of Chun Sing Engineering Holdings Limited (a company listed on the Main Board of the Stock Exchange, stock code: 2277).

Privacy Policy Statement

1. Your Privacy

Mason Financial Holdings Limited and its subsidiaries ("MFHL Group", "we", "our" or "us") respects your legal rights of privacy when collecting, storing, using and transmitting personal data and this Privacy Policy Statement explains our privacy practices. It is our policy to pledge to comply with the requirements of the Personal Data (Privacy) Ordinance (Cap. 486) of the Laws of Hong Kong Special Administrative Region. In doing so, we will ensure compliance by our staff to the strictest standards of security and confidentiality.

In the event that there is any inconsistency between the English and Chinese version of this Privacy Policy Statement, the English version shall prevail.

"personal data" means any personally identifying information or sensitive data (such as names, occupations, addresses, contact details, Octopus Card number and credit card information, from which it is practicable for the identity of the individual to be ascertained, but also may include other information and data).

2. Minimal Collection of Personal Data

You do not need to provide any personal data to make general use of this website (“Website”), meaning www.masonhk.com.

3. Disclosure

In cases where we do collect personal data from you, we will:

Except as expressly mentioned in this Privacy Policy Statement we will not disclose your personal data unless we are required to do so by law or we reasonably believe that such action is necessary to:-

4. Links to Other Websites

This Privacy Policy Statement only applies to this Website. If you click on any advertisement or hyperlink linking to another website, you will leave this Website for another location. At any other website, the protection of your privacy, personal data and your exposure to cookies are not our responsibility and you are advised to refer to the privacy policy of that other location (if any).

5. Web Logs

When you come to our Website, our server software records the domain name of your computer. We also track the pages you visit. We do these things so that we can measure traffic, gauge the popularity of various parts of the Website, to gain some general knowledge about our audience, and market the Website to advertisers with whom we may share summarised traffic data. This information does not identify you as an individual.

6. Security

Your personal data, however stored, will be accessed only by our employees or contractors who are authorised to do so. Where personal data is stored electronically, it will be kept on a separate server and will be password-protected (or under some equivalent form of protection) and accessible only by authorised personnel of MFHL Group or its contractors. Employees and contractors designated to handle personal data will be instructed to do so only in accordance with this Privacy Policy Statement. However during the time that your personal data is being transferred to another server for storage it will not be encrypted and therefore may be able to be accessed by third parties. MFHL Group accepts no responsibility for any such access and if you are concerned about such access you should not provide the personal data.

7. Your Right to Access and Retention

You may at any time request access to and correct personal data relating to you in any of our records. You may also ask us to delete you from any active mailing or distribution list. To exercise any of your rights, write to us at the address below and marked Confidential on the envelope. In response, we may ask you to provide certain details about yourself so that we can be sure you are the person to whom the data refers. We are required to respond to your requests within 40 days and will endeavour to do so wherever possible, but we may charge you a fee for doing so.

8. Questions and Complaints

We are committed to protecting any personal data you supply to us. If you have any questions or complaints about our Privacy Policy, please contact us.

“You” and “Your” when used on this page include any person who accesses the Website and submits personal data.

THIS PRIVACY POLICY IS SUBJECT TO CHANGE. ANY CHANGES WILL BE POSTED ON THIS PAGE.

Terms of Use and Disclaimer:

By accessing and using http://www.masonhk.com/ and web pages under the same domain name (the “Website”), you agree to be bound by the following Terms of Use and Disclaimer and all terms and conditions contained or referenced herein or any additional terms and conditions set forth on the Website. If you do NOT agree to all of these terms, you should NOT use the Website.

These Terms of Use and Disclaimer may be amended by Mason Financial Holdings Limited (“MFHL”) at any time. Such amended Terms of Use and Disclaimer shall be effective upon posting on the Website. Please check the Terms of Use and Disclaimer published on the Website regularly to ensure that you are aware of all terms and conditions governing your use of the Website.

MFHL reserves the right to make changes or updates with respect to or in the content of the Website or the format thereof at any time without notice. MFHL reserves the right to terminate or restrict access to the Website for any reason whatsoever at its sole discretion.

Although care has been taken to ensure the accuracy of the information and contents of the Website, which are obtained from sources believed to be reliable, MFHL does not represent, warrant or guarantee the accuracy, completeness, timeliness, reliability or suitability of the information or contents for any particular purpose. MFHL bears no tortious, contractual or any other liability to you and/or any third party arising in connection with the use of the Website, or reliance on any information, contents or services provided herein. MFHL will under no circumstances be liable to you and/or any third party for losses of any kind, including but not limited to lost profits or lost opportunity, any indirect, special, consequential, incidental or punitive damages.

MFHL does not warrant, promise or make any representations as to the security of the Website, unless it has stated, warranted or promised that a particular function is duly and effectively encrypted. You should acknowledge that any information transmitted into or from the Website may be intercepted and influenced howsoever by any third party who is out of MFHL’s knowledge or control. MFHL does not warrant that the Website and/or the server of the Website and/or any communications sent from MFHL are free from any malicious attacks, virus, malwares or any other elements which may be harmful to you and/or your property.

MFHL, its associates, affiliates and/or subsidiaries will in no circumstances be liable for any direct/indirect, consequential, incidental damages resulting from, arising out of or in connection with the use of, on inability to use the Website or any content herein, even if MFHL, its associates, affiliates and/or subsidiaries has been advised of the possibility.

The Website may provide links to other websites that are not under the control of MFHL. MFHL shall not be responsible in any way for the content of such other websites. MFHL provides such links only as a convenience to the user of the Website, and the inclusion of any link to any such web sites does not imply endorsement by MFHL of the content of such websites.

MFHL has and reserves all Copyright and/or all other right, whether it is in proprietary nature, of the content of the Website, including but not limited to software, audio, video, text and photographs. All rights in the content not expressly granted herein are reserved. Except for otherwise provided, information or contents published on the Website may be reproduced or distributed in unmodified form for personal and non-commercial use only. The information or content of the Website may not be copied, transmitted, disseminated, sold, distributed, published, broadcasted, circulated, stored for subsequent use or commercially exploited in any manner without the prior written consent of MFHL.

Any material, content or information sent through or in connection with the Website by you (“User Materials”) will be treated as non-confidential and non-proprietary, and immediately become the property of MFHL, subject to any privacy policies posted on the Website. MFHL may use such User Materials as it deems fit, anywhere in the world, without obligation for compensation, and free of any moral rights, intellectual property rights or other proprietary rights in or to such User Materials.

The information or contents on the Website may contain certain projections, plans, objectives and/or forward-looking statements with respect to the financial condition, results of operations and business of MFHL or any of its associates, affiliates and/or subsidiaries. By their nature, projections, plans, objectives and/or forward-looking statements are not absolutely reliable and involve risk and uncertainty, because they are related to or depend on unpredictable or future factors, which could cause material or substantial impact on the accuracy, reliability and authenticity on those projections, plans, objectives and/or forward-looking statements.

None of the information or contents herein constitutes a solicitation or offer by MFHL to buy, sell or otherwise deal in, whether as principal or agent or otherwise, any products, services or recommendation of whatsoever nature.

These Terms of Use and Disclaimer shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region of the People's Republic of China (the “Hong Kong SAR”). You agree to the non-exclusive jurisdiction of the courts of the Hong Kong SAR for any claim or cause of action arising out of, or relating to or in connection with these Terms of Use and Disclaimer or your use of the Website, provided that you agree to submit any such claims or causes of action exclusively to the courts of the Hong Kong SAR.

Personal information provided or collected through or in connection with the Website shall only be used in accordance with MFHL’s Privacy Policy.

Should there be any conflicts or divergences between the English and Chinese versions of these Terms of Use and Disclaimer, the English version shall prevail.