Welcome to  this web site (“Site”) which is operated by Pension Schemes Association  This page (“Notice”) governs your use of the Site and the content, information and services provided through the Site. Please review this Notice carefully. By accessing, browsing, or using the Site (“Use”), all users and viewers (and anyone who has authorized the user and/or viewer to act on his/her behalf–collectively, “You,” “you,” “User,” or “user”) represent that they are over 18 years of age and acknowledge acceptance of the terms and conditions listed in these Terms of Use. If you do not accept the terms and conditions listed in these Terms of Use, please do not use the Site.  The operator of this Site (the Company) reserves the right to update these Terms of Use from time to time in its sole discretion. You should review this Notice periodically for updates and changes. Each time you use this Site, your agreement to be bound to these Terms of Use, and to the Privacy Policy, is renewed, which includes any modified terms and conditions.  Additional terms of use may apply when you are accessing a local Site. Please review the Site you are accessing for additional terms.




We are the owner or licensee of all of the content contained on the Site (which includes, without limitation, all graphics, text, images, photographs, videos, illustrations, and the design, selection and arrangement thereof).   The Site is protected by copyright and/or trademark and/or other proprietary intellectual property rights, which are owned or licensed by us, and are protected under Hong Kong and international intellectual property laws.    By using the Site you acknowledge that you do not acquire any ownership rights to the Site or any of its contents. The Company grants you a limited, non-exclusive, non-transferable, non-assignable, revocable license to view and temporarily download a copy of the materials displayed on the Site solely for your personal and non-commercial use for yourself. All materials displayed or made available on the Site, including, but not limited to, graphics, documents, text, images, sound, video, audio, artwork, software, and HTML code, (collectively, the “Site Material”) are the exclusive property of the Company, its clients or licensors. The Site Materials are protected by Hong Kong and international copyright laws and any other applicable intellectual property rules, regulations, and laws. Except as expressly permitted herein, you shall not (i) use, copy, modify, display, delete, distribute, download, store, reproduce, transmit, publish, sell, re-sell, adapt, reverse engineer, or create derivative works of the Site Material, or (ii) use the Site Material on other web sites or in any media, e.g., social media or networking environment, without the Company’s prior written consent. All Company or client trademarks, service marks, and logos (the “Marks”) displayed on the Site are exclusive property of the Company or its respective clients. You shall not use the Marks in any manner without the prior written consent of the Company.




The Site may have links, such as hyperlinks or buttons, directing access to third parties web sites (“Linked Sites”). The Linked Sites are not controlled or monitored by the Company. The Company shall not be responsible for any materials, information, or content posted on the Linked Sites. The inclusion of the Linked Sites on the Site does not imply any relationship or association between the Company and the owner of the Linked Sites or any endorsement or sponsorship by the Company of the Linked Sites. The Company includes the Linked Sites solely for your convenience. You are solely responsible for your access of the Linked Sites. You shall use your own judgment, caution, and common sense in using the Linked Sites.  You may not, without our prior written permission, frame or inline link any of the content of the Site,or incorporate into another website or other service any Site Material, content or intellectual property.




Your use of the site is at your own risk. The site is provided on an “as is” and “as available” basis, and without any representations, warranties or conditions of any kind, whether express or implied, and including without limitation representations, warranties or conditions of title, non-infringement, merchantability, fitness for a particular purpose, performance, availability, timeliness, accuracy or completeness, all of which are hereby disclaimed by the company to the fullest extent permitted by law. There will not be any representations, warranties or conditions created by a course of dealing, course of performance or trade usage. You are solely responsible for obtaining, configuring and maintaining all computer hardware, software, telephone services, and other equipment and services necessary for you to use the site. The internet is not a secure medium, may be subject to interruption and disruption, and inadvertent or deliberate breaches of security and privacy. The operation of the site may be affected by numerous factors beyond the company’s control. The operation of the site may not be continuous or uninterrupted, secure or private. The company will not be liable to you or any other person for any loss or damages suffered by you or any other person as a result of any failure or refusal by the company to give effect to, or for any failure or delay by the company in receiving, accessing, processing or accepting any communication sent to the company by means of the site or email, or for any loss or damages suffered as a result of the operational failure, malfunction, interruption, change, amendment or withdrawal of the site or email services. Without limiting the generality of the foregoing, the company makes no representation, warranty or condition that: (a) the site will be compatible with your computer and related equipment and software; (b) the site will be available or will function without interruption or will be free of errors or that any errors will be corrected; (c) the site will meet your requirements; (d) the information contained in the site or derived from the site will be accurate, complete, sequential, or timely; (e) certain or any results may be obtained through the use of the site; (f) the use of the site, including the browsing and downloading of any information, will be free of viruses, trojan horses, worms, or other destructive or disruptive components; or (g) the use of the site will not infringe the rights (including intellectual property rights) of any person; and  the company disclaims any and all liability regarding such matters to the fullest extent permitted by law.




You agree that there is no employment, partnership, agency, joint employer or joint venture relationship between you and the Company or its clients arising out of or resulting from your Use of the Site. These Terms of Use are governed by the laws of Hong Kong, without giving effect to any principles of conflict of laws.  You agree that any action at law or in equity arising out of or relating to these Terms shall be filed only in Hong Kong, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.  The Site may be hosted in Hong Kong or another country and should not be accessed from any location where it would violate local laws to do so.  Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct.  Specifically, you agree to comply with all applicable laws regarding the transmission of data exported from the country in which you reside to anywhere in the world. The Company does not warrant that this Site (or the use thereof) will be lawful from where you access the Site.   Wherever you view, access, submit, or download materials to and from the Site you will be solely responsible for all your actions and assume all risks. You may not use or export any Materials or make any copy or adaptation in violation of any application laws, rules, or regulations, including, but not limited to, Hong Kong export laws and regulations and/or those of your country of residence or the country from which you access the Site. The failure or delay by either party to enforce the terms of these Terms of Use shall not be deemed as a waiver of such term.



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