Use of PortfoPlus Limited's (“PortfoPlus”, “we”, “us”, “our”) websites including but not limited to internet location, all pages and content accessed via desktop or mobile application (the "Website") and all electronic mail or communication services provided by PortfoPlus, including but not limited to any online group discussions and electronic newsletters (together with the Website, the "Services") is subject to the terms and conditions set forth below ("Terms of Use & Disclaimer").

Please read the Terms of Use & Disclaimer and also the Privacy Agreement on the Website before using the Services. However by continuing to use the Services each subscriber, user and/or recipient of the Services irrevocably and unconditionally accepts and agrees to be bound by the Terms of Use & Disclaimer and the Privacy Agreement as the same may be amended from time to time and any amendment to the Terms of Use & Disclaimer and the Privacy Agreement shall be effective immediately upon posting on the Website.


    • By registering for and/or using or receiving the Services, you, being the subscriber, recipient or user of the Services, accept and agree to be bound by the Terms of Use & Disclaimer throughout the process and use of the Services from time to time. PortfoPlus reserves the right to modify the Terms of Use & Disclaimer or any features of the Services at any time without prior notice or consent to any user to the Services and such modification shall be effective immediately upon either posting on the Website or notifying you as the case may be.
    • You represent that you have read and agree to be bound by these Terms of Use & Disclaimer. 
    • If you register for the Services as a subscriber then to enable other users to legally use the Services under your agreement with PortfoPlus, you shall procure and notify each and every user using or receiving the Services under your account that use of the Services shall only be permitted provided that such user agrees to be bound by these Terms of Use & Disclaimer. Notwithstanding, you agree that you will be responsible for any loss incurred to PortfoPlus as a result of any breach of any named user under your account.
    • You acknowledge that PortfoPlus may provide the Services and/or other services to you under separate agreement(s) including but not limited to the Terms of Trading as detailed in full on the Website. In that case, without prejudice to any such agreement(s), you agree that you are still be bound by these Terms of Use & Disclaimer. Notwithstanding, if there is any inconsistency between the provision(s) of such separate agreement(s) and these Terms of Use & Disclaimer, the provision(s) of such separate agreement(s) shall prevail.


    • The contents of the Services, including but not limited to, text, images, charts, graphics, logos, designs content (the "Content") is protected by copyright as a collective work or compilation under the copyright laws enforced in the Hong Kong SAR and other countries, and owned or controlled by PortfoPlus. You must abide by all additional copyright notices or restrictions contained in the Services.
    • No subscriber, user or recipient of the Services shall copy, reproduce, distribute, publish, enter into a database, display, perform, modify, create derivative works, transmit, or in any way exploit any part of the Services by any means, including either hard copy or in any electronic form, directly or indirectly, without prior written consent from PortfoPlus. 
    • Without limiting the generality of the foregoing, all use of the Services and Content are only for non-commercial use only. You must not re-distribute, copy or share any part of the Services or Content over any network, including a local area network, nor sell or offer it for sale or distribute without giving proper and accurate reference to its source. 


    • As a registered user, you authorise PortfoPlus to use your insurance policy in accordance to the Services. You acknowledge that PortfoPlus does not and will not provide you with any advice, review or recommendation in relation to your insurance policy.
    • In carrying out its Services, PortfoPlus works as follows:
      • You can upload your insurance policies to the Website;
      • PortfoPlus will use your insurance policies information and other personal information to formulate a visual chart breakdown of your policies, and provide simulation results, which will be available on the Website; and
      • You can grant the access rights of your insurance policy to any persons whom you identified, who may provide you advice on optimizing your insurance policy.
    • Based on the Services as described above, you acknowledge that:
      • the simulation results provided in the Website are based on the inputted insurance policy information and other personal information, and that you are not obligated to change any insurance policy; and
      • the persons who may provide you advice on optimizing your insurance policy are not employees of PortfoPlus. Any recommendations provided by these persons are not from PortfoPlus. We advise that you seek independent advice should you require further review and/or recommendation.


    • In the event facilities enabling Users to upload or post any messages on the Website including, without limitation, message boards, blogs, forums or other instant message facilities (the "Forums") are available in the Services, the terms and conditions in this Clause 3 shall apply and bind you. 
    • You shall not upload post, transmit, or distribute or otherwise make available on the Forums any libelous, defamatory, obscene, pornographic, abusive, or otherwise illegal material. 
    • You agree that you will not threaten or verbally abuse other users, use defamatory or indecent language, or deliberately disrupt discussions with repetitive messages, meaningless messages or spam. 
    • You agree not to use language that abuses or discriminates on the basis of race, religion, nationality, gender, sexual preference, age, region, disability. 
    • You undertake not to upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, junk mail, spam or any other form of solicitation. 
    • Uploading or posting messages containing libelous, defamatory, obscene, pornographic, abusive, or otherwise illegal material is a material breach of this Agreement. PortfoPlus reserves all its rights in enforcing its rights in case of your breach and may immediately and permanently suspend your access to all or part of the Services. 
    • Messages you uploaded or posted on the Forums shall not be of any commercial nature. You shall not, without the express approval of PortfoPlus, distribute or otherwise publish any material containing any solicitation of funds, advertising or solicitation for goods or services. 
    • You are solely responsible for any liability arisen from the publication of your messages. However, PortfoPlus shall have the right (but not the obligation) to review or edit any messages you uploaded or posted on the Services and at its sole discretion to refuse publication of, delete, move, or edit any messages. 
    • You hereby grant to us a non-exclusive, perpetual, royalty-free, transferable, sub-licensible worldwide license to republish any material you submit to us in any format, including without limitation print and electronic format. 
    • You hereby acknowledge, consent and agree that PortfoPlus may access, preserve and disclose your personal data and content of messages you uploaded or posted on PortfoPlus in accordance with Clause 6. 












Last updated: 2-Feb-2018