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Disclaimer

Online Account Security

23 Dec 2016

As recently announced by the Securities and Futures Comission (“SFC”), they have received an increasing number of reports from securities brokers that the security of some customers’ internet and mobile trading accounts has been compromised and unauthorized securities trading transactions were conducted through these accounts.

To safeguard our customers’ online account security, Kingsway Financial Services Group Limited (“KFS”) strongly recommends you to secure your account information (including but not limited to Login ID and password), change your password periodically, not to use public computers or unknown and unsecure networks to access your online account and to keep a close eye on trade confirmations to enhance the security of your online account.

Should you have any inquiry, please contact your Account Executive or call our Operations Department at (852) 2283 7373 or email at od@sunwahkingsway.com.

FRAUD ALERT

23 May 2016

Kingsway Financial Services Group Limited (“KFS”) warns against fraudsters pretending to be staff of KFS in order to defraud investors of money.

KFS would like to alert the public of fraudsters pretending to be staff of KFS or its holding company, Sunwah Kingsway Capital Holdings Limited (“Sunwah Kingsway”) in order to defraud investors of money.  These fraudsters will contact the public online or through social media and impersonate staff of KFS or Sunwah Kingsway.  The fraudsters will then pretend to open a securities account with you.  The fake account opening process is conducted entirely online.  Once the fraudsters trick you into believing an account is opened, they will request that you deposit a sum of money into an individual bank account.

Additionally, from time to time on the Internet or in direct marketing channels, there are non-authorised entities that may claim themselves as partners of SWK or KFS. You should never make deposit into bank accounts in the name of non-authorised entities.

Please note that KFS has no connection with such deceptive practices, does not open accounts solely online and does not, under any circumstances, request clients to transfer funds to bank accounts that are not under KFS’s name.

KFS (CE No. ADF346) has been registered with the Securities and Futures Commission (the “SFC”) of Hong Kong. The licence details and records of  KFS and our licensed staff are all available on the SFC’s website. Please refer to the following link: http://www.sfc.hk/web/EN/index.html

Should you have any enquiry or would like to confirm the identity of one of our staff, you may contact us by phone at (852) 2283 7373 or by internet at email address od@sunwahkingsway.com.  For those who have conducted transactions with the suspected fraudsters, please report the matter to the police.

Important Notice

By accessing Kingsway Financial Services Group Limited’s (“the Company”) website, web application and its electronic trading platform (collectively, the “Site”), you accept the terms and conditions set out below, and by continuing to use this Site following the posting  of any changes to these terms and conditions, you will signify your consent to such changes to the terms and conditions.

Electronic Trading Service

You acknowledge and agree that the electronic communication facilities (including, but not limited to, the Internet and mobile phone networks) used may be subject to interruption, transmission blackout, delayed transmission, incorrect data transmission and are an inherently unreliable medium of communication, due to the public nature of the internet, unpredictable internet traffic congestion, hackers, hardware and software failures, computer viruses and other reasons, and that such unreliability is beyond the Company’s control. As a result of such unreliability, there may be delays in the transmission and receipt of your orders and other information and that this may result in your orders not being executed and/or a delay in the execution of your orders and/or the execution of your order at a price different from that prevailing at the time the order was given. Furthermore, it may not be possible to cancel an order after it has been given.  You agree that the Company cannot and will not assume responsibility for malfunctions in any electronic communication facilities, communication outages, external events and any act of God which may affect the accuracy, reliability, or timeliness of the order(s) you send.  Should such outages arise, please contact our customer service personnel at (852) 2283 7373.

General

The materials on this Site are not intended for use by persons located in, or persons who are resident in jurisdictions which restrict the distribution of this material by the Company. Persons accessing this Site are required to note the said restrictions in their jurisdictions.

The material in this Site should not be regarded as an offer or solicitation to sell investments or products related thereto, or to make deposits in any jurisdiction to any person where it would be unlawful to do so.

The information contained herein is not intended to provide any professional advice and should not be relied upon in that regard. Persons accessing this Site are advised to obtain appropriate and independent professional advice wherever necessary.

Any information, products or services supplied in this Site may be withdrawn or amended at any time without advance notice, at the discretion of the Company. The eligibility of clients for particular information, products or services is subject to the final and absolute discretion of the Company.

It is your sole responsibility to prevent, safeguard and ensure that no computer virus shall enter your system and this Site.

Risk Disclosure

While every care has been taken in preparing the information and materials contained in this Site, such information and materials are provided to you on "as is" basis, and without any warranty or representation of any kind, whether express or implied. In particular, no warranty or representation regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from computer virus, Trojan horses, worms, software bombs or similar items is given in conjunction with such information and materials.

Limitation Of Liabilities

The information on this Site and its contents are provided for information purposes only and do not constitute a transaction, a solicitation of an offer, an invitation or an offer. Investment involves risks. Investors should note that the investment value may fall as well as rise and past performance may not be indicative of future performance. Independent professional advice should be sought prior to making any investment decision. The Company expressly disclaims any legal liability for any claim for any loss (whether direct or indirect) of the use of the information provided on this Site.

Intellectual Property

The Company and other parties own the trade marks and logos displayed on this Site and users are prohibited from using them without the prior written permission of the Company or such other parties.

The information on this Site may not be reproduced, distributed or published in any medium for any purpose without prior express written consent from the Company. If you download any information or software from this Site, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.

Linked Websites

Use of hyperlinks to other internet sites or resources is at users' own risk. The contents, accuracy, opinion expressed, and other links provided at these sites are not investigated, verified, monitored, or endorsed by the Company. The Company expressly disclaims any responsibility for the accuracy, contents, availability or omission of information found on sites that link to or from this Site. Users are solely responsible for making all enquiries and investigation before proceeding with any online or offline access or transaction with any of these third parties. The Company emphasizes that all activities conducted by users via or at this Site are at their own risk. The Company does not warrant the security of any information which the users may forward or be requested to provide to any third parties. By agreeing to and accepting the terms hereof, the users are deemed to have irrevocably waived all their claims against the Company if any for whatever loss or damage they may suffered as a result of any access to, or interaction with, any other websites via this website and its hyperlinks.

Software Licenses

To the extent that any software is made available or provided to you on this Site, the Company grants to you a non-exclusive, limited and personal licence to download and use the software for your own personal, non-commercial use only. No other rights to the software are granted. All rights including intellectual property rights in the software remain the property of the Company or the relevant licensors or owners of the software and, except as permitted by law, you may not reverse engineer, decompile, modify or tamper with the software.

Information

This Site may contain information, quotes, charts, statistics, exchange rate, news, research, analysis and other information (“Information”) and the Information or any part thereof maybe provided by third parties. The Company does not represent, warrant or guarantee the accuracy, reliability, adequacy, completeness, suitability or timeliness of the Information. The Company does not accept any liability (whether in tort, contract or otherwise) for any loss or damage arising from any inaccuracies or omissions arising therefrom.

SMS

You can specify a mobile phone number to receive the SMS that we sent, we will only send to your registered mobile number. And you should get a designated mobile phone that is able to receive SMS.

1.      If there is any SMS sent by us that requires you to provide the information about your account or passwords, you should never reply to such SMS because we would never make such request.

2.      If any SMS sent by us be unreadable, you should notify us as soon as possible.

3.      We will only send the same message once a time. If you delete the message, we will not resend it again.

4.      You are not obliged to reply to any message sent by us.

E-mail

You should be responsible for ensuring that your e-mail address is able to receive an E-mail

1.      You should take all reasonable precautions to prevent any unauthorized or fraudulent use of your email account, and to ensure to prevent any person who, without authorization or by fraudulent means from reading your e-mail.

2.      E-mail we sent may not be encrypted and protected; it may not be able to avoid being destroyed by the third party. You should be responsible for ensuring that your passwords and any other personal information or data are kept confidential.

3.      If there is any Email sent by us that requires you to provide the information about your account or password, you should never reply to such Email because we would never make such request.

4.      We will never require you to enter any personal information or passwords in the hyperlinks that we provide in our email.

5.      If any E-mail or hyperlink sent by us be unreadable, you should notify us as soon as possible.

6.      We will only send the same message once a time. If you delete the message, we will not resend it again.

7.      You are not obliged to reply to any message sent by us.

Indemnity

You agree to indemnify and hold the Company, our employees, agents, officers, directors, contractors, suppliers and other representatives harmless from and against all liabilities, damages, claims, actions, costs and expenses (including legal fees), in connection with or arising from:

1.      your breach or non-observance of any of the terms and conditions herein, either by yourself or any other person or entity where such person or entity was able to access and/or use this Site by using your User Name and/or password; or

2.      your access to and/or use of this Site by either yourself or any other person or entity’s access to and/or use of this Site where such person or entity was able to access this Site using your User Name and/or login Password.