Terms & Conditions

Please read the following terms and conditions carefully before using this website. By using this website you agree to abide by the terms and conditions listed below.



Please read the following terms and conditions before using e-Services. If you do not accept these terms and conditions do not register or use e-Services.



Hong Kong Institute of Bankers ("HKIB") is a statutory body under the Estate Agents Ordinance (Chapter 511 of the Laws of Hong Kong) and its office is situated in Hong Kong at 3rd Floor, Guangdong Investment Tower, 148 Connaught Road Central, Hong Kong.



This agreement shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.



e-Services are available only at the discretion of HKIB, subject to the individual terms and conditions on which they are offered and such may be withdrawn or amended at any time without notice. The full range of e-Services may not be available at all times.



The information provided via e-Services is not intended to be professional advice. Persons using e-Services should obtain appropriate professional advice when necessary.



Due to the nature of the Internet transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. HKIB is not liable for malfunctions in communication facilities that may affect the accuracy or timeliness of messages and transactions sent.



HKIB does not represent or warrant that e-Services will be available and meet your requirements, that access will not be interrupted, that there will be no delay, failure, error or omission or loss of transmitted information, that no viruses or malicious software will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. HKIB makes no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the provision of e-Services.



HKIB accepts no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential loss or damage) from your use of e-Services, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, imperfection, fault, mistake or inaccuracy with e-Services, its contents or associated services, or due to any unavailability of e-Services or any part thereof or any contents.



HKIB may terminate your access to e-Services at any time, with or without cause or notice.



HKIB reserves the right in its discretion to change without prior warning or notice any information or material contained or provided in e-Services and the terms and conditions under which e-Services are used.



All contents of e-Services including, but not limited to the text, graphics, links and sounds are the copyright of HKIB and may not be copied, downloaded, distributed or published in any way without the prior written consent of HKIB.