Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern UBIs relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

The use of this website is subject to the following terms of use:

1. The information contained in this website is for general information purposes only and is subjected to change without notice. The information is provided by UBI and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.
2. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.
3.
This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:
you may print or download to a local hard disk extracts for your personal and non-commercial use only
you may copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material
You may not, except with our express written permission, distribute or commercially exploit the content.
4. Through this website you are able to link to other websites which are not under the control of UBI. We have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.
5. Every effort is made to keep the website up and running smoothly. However, UBI takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.
6. Whilst UBI makes all reasonable attempts to exclude viruses from this Site, it cannot ensure such exclusion and no liability is accepted for viruses. Thus, you are recommended to take all appropriate safeguards before downloading information from this Site.
7. You agree to neither disturb the normal operation of this Site nor infringe the integrity of this Site by hacking, altering the information contained in this Site, prevent or limit access to this Site to other users, or otherwise.
8. These terms and this disclaimer and any claim based on use of information from this Site shall be governed by the laws of the Hong Kong SAR.
9. UBI hereby expressly reserves its right to revise and amend these terms and conditions at its absolute discretion without prior notice.