Website Disclaimer

This website (including but not limited to all pages, articles, posts, and related content, collectively referred to as "this website") provides general information and educational content regarding the secondary insurance asset market, life settlements, and related financial concepts. It does not constitute financial, investment, legal, tax, or insurance advice of any kind.

1. Not Professional Advice

All information on this website is for reference only and is not personalized advice. The value, transferability, tax implications, and legal compliance of each insurance policy vary depending on individual circumstances, policy terms, jurisdiction, and market conditions. Users should consult licensed financial advisors, registered insurance intermediaries, tax professionals, and lawyers to obtain professional advice tailored to their specific situation.

2. No Guarantee of Returns or Outcomes

Any cases, return rates, market potential, or transaction outcomes mentioned on this website (including but not limited to data such as "20-50% more than surrender value") are historical references or hypothetical scenarios and do not represent future performance or guarantee any returns. The secondary insurance asset market involves risks such as liquidity, valuation fluctuations, legal, and tax risks, and investors or sellers may face potential loss of principal.

3. Platform Role

The WTS platform solely provides information matching services, connecting policyholders intending to sell their policies with potential buyers. It does not participate in transactions, guarantee completions, assume intermediary responsibilities, or provide financing. All transactions are independently negotiated by the parties involved, who bear the associated risks and responsibilities.

4. Privacy and Data

While this website implements reasonable security measures, online data transmission is not entirely secure. Users who upload personal information or policy details do so voluntarily and at their own risk.

5. Applicable Laws

The content of this website is written based on Hong Kong law. However, life settlement transactions are subject to varying regulations in different jurisdictions (e.g., compliance with state laws in the United States or the absence of specific regulations in Hong Kong). Users must ensure their actions comply with the laws and regulations of their respective jurisdictions.

6. Scope of Liability

The website operators, authors, related companies, and partners are not liable for any direct, indirect, incidental, or consequential losses arising from reliance on the information provided on this website, including but not limited to financial losses, loss of coverage, or legal liabilities.

7. Updates and Modifications

This disclaimer will be updated from time to time, with the latest version displayed on this page. Continued use of this website constitutes acceptance of the latest terms.

Last Updated: November 4, 2025