Terms and Conditions

This website is operated by RAM Investment Advisors Limited (“RAMIA”).
Your use of this website confirms that you have read and agree to the “Terms and Conditions” of this website.

RAM Investment Advisors Limited CE No. BGL803 is regulated by the Securities and Futures Commission of Hong Kong (“SFC”) and holds licenses to carry out Type 1 (Dealing in Securities), Type 4 (Advising on Securities), and Type 9 (Asset Management) regulated activities, subject to the applicable licensing condition.

This website contains information on investment products that are strictly limited to professional investors (and other such investors where local regulatory and or securities laws confer such status) and investment professionals only. The investments mentioned in this website may not be suitable to all investors. The information contained in this website is provided for reference only and does not constitute any investment advice or any representation that any investment is suitable or appropriate for an investor’s individual circumstances. Investors are advised to seek independent advice before making any investment decision.

This website contains information on funds that are authorised by the Hong Kong Securities and Futures Commission (SFC), however, SFC authorization is not a recommendation or endorsement of a fund nor does it guarantee the commercial merits of a fund or its performance. It does not mean the fund is suitable for all investors nor is it an endorsement of its suitability for any particular investor or class of investors.

The information contained in this website is confidential and intended solely for the use of the recipient and should not be duplicated or redistributed to any third party. It does not constitute an offer to enter into any contract/ agreement nor is it a solicitation to buy or sell any investment. It should not be used for the purpose of an offer or solicitation in any jurisdiction or in any circumstances in which such offer or solicitation is unlawful or not authorised, including the United States and Japan. Information contained in this website does not take into account your particular investment objectives, financial situations or needs. RAMIA accepts no responsibility or liability for any direct or consequential loss arising from any persons’ use of or reliance on the information or opinions contained in this website.

The contents of this website are based upon sources of information believed to be reliable, however, save to the extent required by applicable law or regulations, no guarantee, warranty or representation (express or implied) is given as to its accuracy or completeness and, RAMIA does not accept any liability or responsibility in respect of the information or any views expressed herein. Actual returns may differ from target returns for a range of factors including investment performance, taxation and indirect costs. Material on this website has been prepared for informative and illustrative purposes only and should not be construed as legal, tax, investment or other advice. All investments involve risks, including the potential for a loss of capital. No assurance can be given as to whether the investment objective of any investment products will be achieved. Past performance is not an indication for future performance. Prospective investors should read the terms and conditions contained in the relevant offering documents and in particular the investment policies and the risk factors before any investment decision is made. Prospective investors should seek separate, independent financial and professional advice if required prior to making an investment to assess the suitability, lawfulness and risks involved. The information contained on this website does not have any regard to the specific investment objectives, financial situation or the particular needs of any person. Opinions and information are subject to change without notice. This website may include forward-looking statements that are made on reasonable grounds, based upon our current opinions, expectations and projections. Actual results could differ materially from those anticipated in the forward-looking statements. All information, data, commentary and material on this website are protected by copyright. No part of this website may be modified, reproduced, copied, or distributed in any form without express written consent of RAMIA.

Any links from the website are included for information and convenience only. RAMIA has not approved or endorsed the information provided by others or provided on or accessible from any linked sites. RAMIA does not accept responsibility for the contents available on or the set-up of those linked sites. You are at your own risk for using hyperlinks on this website to visit other websites or resources. We disclaim any liability for the accuracy or availability of the information provided by those websites or for the safety of information which you may provide on those sites. To the extent permitted by applicable law, we shall not be liable to anyone for the accuracy, correctness, completeness or timeliness of the information, data, commentary and materials provided on this website, nor for any direct or consequential damages (whether in tort or contract or otherwise) arising from or occasioned by delays, inaccuracies, errors, interruptions or omissions in the provision thereof.

Any user identification and password (hereinafter together referred to as “User ID”) that have been provided to you by RAMIA are for your exclusive use only. By accepting your User ID you agree to protect the confidentiality and security of your User ID and of the website and its contents and that such information will only be communicated to properly authorized individuals. RAMIA is not responsible for any damages or losses resulting from any breach of security caused by your failure to maintain the confidentiality of your User ID. You agree to notify RAMIA immediately in the event of loss or theft of any or all of your User ID, or if you believe the confidentiality of any or all of your User ID have been compromised in any way, or in the event of your learning about a possible or actual unauthorized use of your User ID. RAM reserves the right to suspend or terminate your access to the website at any time, without prior notice.

Please visit our Privacy Policy to learn about our information collection practices and the measures we take to preserve the privacy and security of your information.

By using this website, you acknowledge that your access to the information on this website is governed by the laws of Hong Kong. There is no intention to offer or sell products in countries or jurisdictions where such offer or sale would be unlawful under the relevant domestic law. All investors accessing the website do so on their own initiative and are responsible for compliance with applicable local laws and regulations.
In case of discrepancies between the English and Chinese versions, the English version shall prevail.

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