Persons who access the information made available on the website of the HKU Korean Investment Society (“KOINS”) agree to the following:

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KOINS is a student-run academic and professional development organization at The University of Hong Kong. While the materials on this website may discuss financial markets, securities, and investment-related topics, none of the content is intended to constitute, and should not be construed as, investment advice, financial advice, legal advice, tax advice, or any other form of professional advice. KOINS does not provide investment advisory services, does not manage assets, and does not act as an investment adviser, broker, dealer, or fiduciary.

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The information made available through this website is provided solely for educational and informational purposes. Neither the receipt nor the use of any information on this website creates any advisory, client, or professional relationship between KOINS and any visitor. Any views, opinions, analyses, or statements expressed on this website reflect academic discussion or personal perspectives of members and do not represent recommendations or advice to engage in any investment strategy or transaction.

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Nothing on this website constitutes an offer to sell, a solicitation of an offer to buy, or a recommendation to purchase or sell any securities, financial instruments, or investment products in any jurisdiction. Any references to specific securities, companies, or market situations are provided solely as examples for educational discussion.

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This website may contain forward-looking statements or statements regarding expectations, projections, or future outcomes. Such statements are inherently uncertain and are based on assumptions that may not prove to be accurate. Actual outcomes may differ materially from those expressed or implied. KOINS makes no representation that any forward-looking statements will be achieved, and such statements should not be relied upon as predictions of future results.

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No representation or warranty is made as to the accuracy, completeness, or timeliness of the information contained on this website. Certain information may be derived from third-party sources believed to be reliable; however, KOINS does not independently verify such information and makes no assurances regarding its accuracy. Any analyses, projections, or examples presented may be based on subjective judgments and assumptions and should not be regarded as factual or predictive. Past performance, whether actual or hypothetical, is not indicative of future results.

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This website may contain links to third-party websites. KOINS does not control, endorse, or assume responsibility for the content, accuracy, or availability of any third-party websites, and the inclusion of such links does not imply endorsement.

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All information on this website is provided on an “AS IS” basis without warranties of any kind, express or implied. KOINS disclaims all liability for any loss or damage, whether direct or indirect, arising from the use of or reliance on any information contained on this website. Use of this website is entirely at the user’s own risk.

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All content on this website, including text, graphics, and design elements, is the property of KOINS unless otherwise stated and is protected by applicable copyright laws. No content may be copied, reproduced, modified, distributed, or republished without prior written permission from KOINS.