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The information contained in the About Credit Insurance ("Information") is for general information only and is not intended, nor should it be used, as substitute for professional advice. Users are advised to consult their own professional advisors with respect to particular situations. Whilst the HKECIC endeavours to ensure the accuracy of the Information, no statement, representation, warranty or guarantee of any kind, whether express or implied, is given as to its accuracy, completeness, timeliness or appropriateness for use in any particular circumstances. The HKECIC shall not be liable for any loss or damage, howsoever caused, of any kind, arising from any decision, action or non-action based on or in reliance upon, any Information, whether or not such loss or damage is caused by the HKECIC’s negligence or has arisen from any error or omission in such Information. Users are responsible for making their own assessment of all Information and are advised to verify such information and obtain independent advice before acting upon it.