Terms & Conditions PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY BEFORE USING THE ONLINE SERVICES OR THIS WEB SITE.

General By using this Web site, you agree to be legally bounded by these terms and conditions. If you do not accept these terms and conditions, please do not use the online service or this Web site. From time to time, we reserve the right to change, modify, add or remove portions of these terms and conditions without prior notice to you and you should review these terms and conditions whenever accessing or using this Web site. Your continued use of this Web site following the posting of any such changes to these terms and conditions will constitute acceptance of the changes in the terms and conditions. Your access to this Web site and your use of the online services at this Web site at any time may be terminated without cause or prior notice. All rights not expressly granted herein are reserved. These terms and conditions supersede any prior or contemporaneous communications between mReferral Mortgage Brokerage Services ("mReferral") and you in respect of this Web site. Copyright and Trademarks This Web site is owned and operated by mReferral. The information provided in this Web site, including but not limited to content, text, graphics, images, sounds, links and all other information and software published are either the exclusive property of mReferral or its licensors and are protected by copyright and other intellectual property laws. Any part of this Web site may not be reproduced, distributed or published in any media for any purpose without prior express written consent from mReferral. If you download any information or software from this Web site for your personal or non-commercial use, you agree that you will not copy it or remove or obscure any copyright or other proprietary notices or legends contained in any such information. The use of any mReferral information on any other Web site or network computer environment is strictly prohibited. Unless otherwise stated, all registered or unregistered trademarks displayed on this Web site are either owned by mReferral or its affiliates. You are not allowed to use these trademarks without the prior written consent of mReferral or the affiliate which owns the trademark. Disclaimer of warranties and liability The information or materials contained or provided on this Web site is for information purposes only without any warranties. Under no circumstances should it be intended for trading or investing purposes. While mReferral strives to ensure that the information on this Web site is accurate and up-to-date, we are not infallible and errors, omissions or negligence may sometimes occur. We do not make any warranties or representations regarding the completeness, accuracy, reliability and timeliness of the information on this Web site. In addition, we are not responsible for or liable to any loss, damages or costs that you or anyone else may suffer or incur as a result of the reliance on information or materials available in this Web site. You hereby irrevocably and unconditionally waive any claims against us with respect to your access or use of this Web site. The materials and functions contained in this Web site is provided "as is" and without warranties of any kind whether expressed or implied. To the fullest extent permissible pursuant to applicable law, mReferral disclaims all warranties, including implied warranties of merchantability and fitness for a particular purpose. mReferral does not warrant that the functions contained in this Web site will not be interrupted or error-free, that defects will be corrected, or that its Web site or server are free of viruses or other harmful components. mReferral shall not be held liable for any direct or indirect, special or consequential damages resulting from the access or use of, or the inability to access or use this Web site or any sites or pages linked to this Web site. Communications All communications made to us, including without limitation feedback, questions, comments and suggestions ("Communications"), will be treated as non-confidential and non-proprietary, and mReferral and its affiliates shall be free to reproduce, use, disclose and distribute the Communications to others and shall be free to use any ideas, concepts, know-how or techniques contained in the Communications for any purpose whatsoever, including but not limited to, developing, production and marketing products and services that incorporate such Communications. You agree that any of your personal data provided to mReferral by electronic mail or otherwise at any time may be used for such purposes and disclosed to such persons in accordance with our Privacy Policy. The complete terms of our current Privacy Policy are incorporated into these terms of use and by accessing or using this Web site, you agree to the terms of our Privacy Policy. Jurisdictions This Web site is controlled and maintained by mReferral from the Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong"). The information and material contained in this Web site and the online services available are restricted to individuals resident, or entities having a place of business, in Hong Kong. These terms and conditions are governed by and construed in accordance with Hong Kong laws and any dispute or claims shall be subject to the exclusive jurisdiction of the Hong Kong courts.