{"id":1907,"date":"2023-02-12T15:42:37","date_gmt":"2023-02-12T15:42:37","guid":{"rendered":"https:\/\/smartwills.com.hk\/en\/?page_id=1907"},"modified":"2025-09-08T02:40:41","modified_gmt":"2025-09-08T02:40:41","slug":"terms-and-conditions","status":"publish","type":"page","link":"https:\/\/smartwills.com.hk\/en\/terms-and-conditions\/","title":{"rendered":"Terms &#038; Conditions"},"content":{"rendered":"\n[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; custom_padding=&#8221;150px||150px||false|false&#8221; custom_padding_tablet=&#8221;100px||100px||false|false&#8221; custom_padding_phone=&#8221;100px||100px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;off|desktop&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; positioning=&#8221;none&#8221; width=&#8221;60%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;90%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;|10%||10%|false|false&#8221; custom_padding_phone=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Albert Sans||||||||&#8221; header_font=&#8221;Albert Sans|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_font_size=&#8221;40px&#8221; custom_padding=&#8221;50px||50px||false|false&#8221; header_font_size_tablet=&#8221;40px&#8221; header_font_size_phone=&#8221;37px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<h1 style=\"text-align: center;\"><strong>Terms &amp; Conditions<\/strong><\/h1>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Albert Sans||||||||&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;24px&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;40px&#8221; custom_padding=&#8221;||50px||false|false&#8221; text_font_size_tablet=&#8221;24px&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<p><span style=\"font-weight: 400;\">Below are the Terms and Conditions of our Online Will product. Please read carefully and if necessary consult independent legal advice prior to the use.<\/span><\/p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Albert Sans||||||||&#8221; text_text_color=&#8221;#000000&#8243; text_font_size=&#8221;24px&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;|700|||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#000000&#8243; header_font_size=&#8221;40px&#8221; hover_enabled=&#8221;0&#8243; text_font_size_tablet=&#8221;24px&#8221; text_font_size_phone=&#8221;16px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<p><strong><span st=\"\" yle=\"font-size: 1.14286rem; color: var(--theme-color-main); font-weight: bold;\">Terms<\/span><span st=\"\" yle=\"font-size: 1.14286rem; color: var(--theme-color-main); font-weight: bold;\"><strong> &amp;<\/strong> Conditions of SmartWills Online Will Writing Service<\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400;\">The Online Will Writing Service (\u201cService\u201d) is provided by <\/span><b>My Smartwills Limited [3246913] (\u201cMSL\u201d)<\/b><span style=\"font-weight: 400;\">. These are the terms and conditions governing the access, provision and use of the Service<\/span><b> (\u201cTerms and Conditions\u201d, or \u201cT&amp;C\u201d).<\/b><\/p>\n<p><span style=\"font-weight: 400;\">You shall indicate your understanding of the Product Disclosure Sheet of the Service (\u201cProduct Disclosure Sheet\u201d, or \u201cPDS\u201d) and agreement to the Terms and Conditions and accept responsibility for your use of the Service by clicking on the \u201cAccept\u201d button appearing at the end of the Terms and Conditions. You should read the Product Disclosure Sheet and the Terms and Conditions carefully before you click the \u201cAccept\u201d button and accept them. If you click the \u201cCancel\u201d button, there will be no subscription for the Service.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Please note that the use of this service must comply with all relevant laws, regulations, and the aforementioned terms and conditions of <strong>Hong Kong<\/strong>. Unauthorized access and use are strictly prohibited.<\/span><\/p>\n<p><b>1. Definitions<\/b><\/p>\n<p><span style=\"font-weight: 400;\">For the purpose of the Terms and Conditions, the following terms shall, unless the context otherwise requires, have the meanings as defined below. All other terms not defined herein shall have the meaning as may generally be accepted within the industry based on the context used herein.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>\u201cWill\u201d<\/strong> \u2013 <\/span><span style=\"font-weight: 400;\">Means the Will for a Non-Muslim person made available by<\/span><b> MSL<\/b><span style=\"font-weight: 400;\"> following subscription to the Service.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>\u201cWebsite\u201d<\/strong> \u2013 Means www.smartwills.com.hk<\/span><b><br \/><\/b><\/p>\n<p><span style=\"font-weight: 400;\"><strong>\u201cFee and Charges\u201d<\/strong> \u2013 <\/span><span style=\"font-weight: 400;\">Refers to the current fees payable for each subscription package of this service, as updated and indicated on the website. The specified fees do not include any government taxes, as Hong Kong currently does not implement Goods and Services Tax (GST) or similar Value-Added Tax (VAT). If any new taxes are imposed by the government in the future and are applicable to our services, they will be charged separately.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><br \/><\/span><b><br \/>2.General Terms<\/b><\/p>\n<p><span style=\"font-weight: 400;\">2.1 You must first have a valid username and password and subscribe for the Service.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2.2 The Service is for your exclusive use only. You are prohibited from using the Service on behalf of another person EXCEPT our authorized resellers (herewith known as \u201cSmartWriters\u201d) who are permitted to use the Service on behalf of their clients.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2.3 You acknowledge and agree to accept the Service via the secured Website in accordance with the Terms and Conditions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2.4 <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> reserves the right to reject your subscription for the Service at its sole and absolute discretion without providing any reasons whatsoever.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2.5 <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> will make available the electronic copy of the Will (in PDF format) as an email attachment to your email address as provided by you within 24 hours, or delivery of printed copy as per our add-on premium service to your postal address within five (5) working days, from you having provided complete and accurate information and received the payment confirmation notification of the Fees to our payment gateway.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2.6 You may at any time cancel or unsubscribe for the Service provided that such cancellation or unsubscription is done prior to the payment of the Fees.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2.7 <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> reserves the copyright of the Will and you undertake to not copy or re-use the content of the Will and\/or share or distribute the content of the Will to any other party or for any commercial use.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2.8 You are advised to contact <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> should you require additional information or clarification in respect of the Service or should you have any special instructions for the writing of a Will.<\/span><\/p>\n<p><b><span style=\"font-weight: 400;\">2.9 <\/span>MSL<span style=\"font-weight: 400;\"> reserves the right at its sole and absolute discretion to vary, supplement, delete, amend or modify any of the Terms and Conditions from time to time by giving a minimum of fourteen (14) days prior written notice thereof. The notice setting out the variation, supplemental, deletion, amendments or modification, as the case may be to the Terms and Conditions and the duly varied, amended, supplemented and modified Terms and c<\/span><\/b><span style=\"font-weight: 400;\">onditions shall be posted on the Website.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2.10 By clicking the on the \u201cAccept\u201d button appearing at the end of the Terms and Conditions, you fully understand your right to consult a legal practitioner for advice in regards to the Will before signing the Will and <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> shall not be held responsible for your failure to do so and shall not be held liable for any loss and damage suffered by you for your failure to do so.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2.11 By clicking on the payment button, you fully understand your responsibility and risk of accepting the service.<\/span><\/p>\n<p><b>3.Your Eligibility<\/b><\/p>\n<p><span style=\"font-weight: 400;\">3.1 For writing a Will using our Service, you must be:<\/span><b><span style=\"font-weight: 400;\"><\/span><\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A Non-Muslim;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Of Sound mind;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hong Kong citizen\/non-Hong Kong citizen<\/span><span style=\"font-weight: 400;\">;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">At least 18 years old;\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understand the nature and purpose of making a Will.<br \/><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><b>4.Your Duties<br \/><\/b><br \/>4.1 Upon receipt of the original Will from <\/span><b>MSL<\/b><span style=\"font-weight: 400;\">, you shall:<\/span><\/p>\n<p>a) Read the Will to confirm that all information therein is correct and reflects your wishes regarding the beneficiaries, distribution of estate, and appointment of executors.<\/p>\n<p><span>b) Notify <\/span><b>MSL<\/b><span> of any errors within three (3) working days to enable <\/span><b>MSL<\/b><span> to provide a new Will.<\/span><\/p>\n<p>c) If it is in order, sign the Will in the presence of two (2) witnesses who are both 18 years old and above.<\/p>\n<p><span style=\"font-weight: 400;\">d) Ensure that the witnesses simultaneously sign as witnesses to your signature.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">e) Ensure that the witnesses are not named as beneficiaries under the Will.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">f) Keep the duly signed and witnessed original Will in a safe and secure place.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">4.2 Your failure to comply with clause 4.1 may render the Will invalid and\/or not enforceable and <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> shall not be held liable for any loss and damage that you suffer.<\/span><\/p>\n<p><b>5. Fee and Charges<\/b><\/p>\n<p><span style=\"font-weight: 400;\">5.1 <strong>MSL<\/strong> will only accept e-payment of the Fees if paid through the payment gateway on our Website, either paid directly by you or via our authorized resellers (\u201cSmartWriters\u201d).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">5.2 Subject to Clause 5.3 herein, Fees paid by you are not refundable.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">5.3 <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> may consider making a refund of the Fees at its absolute discretion.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">5.4 <strong>MSL<\/strong> reserves the right to revise the Fees from time to time and publish the revised Fees on the Website.<\/span><span style=\"font-weight: 400;\"><\/span><\/p>\n<p><span style=\"font-weight: 400;\">5.5 The specified fees do not include any government taxes. Since Hong Kong currently does not implement any Sales and Services Tax (GST) or similar Value-Added Tax (VAT), these fees will not include or be charged separately for such taxe<\/span><\/p>\n<p><b>6.Consent for Sharing of Information<\/b><span style=\"font-weight: 400;\"><\/span><\/p>\n<p><span style=\"font-weight: 400;\">6.1 <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> requires the information as requested for the provision of the Service (\u201cInformation\u201d).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">6.2 <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> will keep the Information confidential and will only disclose the Information where it is necessary to auditors, legal counsel and other professional advisors, to any regulators and in accordance with the law.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">6.3 You have the right, at any time, to (a) withdraw your consent, if consent was granted or grant your consent, if consent was not granted, (b) check the Information and (c) have any inaccuracies in the Information corrected by writing to <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> at the address provided in the Product Disclosure Sheet.<\/span><\/p>\n<p><b>7. Personal Data (Privacy) Ordinance (PDPO)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">7.1 <\/span><span style=\"font-weight: 400;\">In accordance with the Personal Data (Privacy) Ordinance, we require your explicit consent to collect and process your sensitive personal data. We collect your sensitive personal data for the purpose of assessing your application and managing the products and services you have registered for.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">7.2 Declaration: By clicking on the \u201cAccept\u201d button appearing at the end of the Terms and Conditions, you are declaring that you have read, understood, and agreed to be subject to <b>MSL&#8217;s<\/b> Privacy Notice and are expressly consenting to and authorizing <b>MSL<\/b>:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">a) To request and obtain all the personal information and data in this form for the purpose of processing this application and for all other purposes which are required in relation to the Service;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">b) To collect and process your sensitive personal data for the purpose of this application (where applicable).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By clicking on the \u201cAccept\u201d button appearing at the end of the Terms and Conditions, you further confirm that all personal data that you have provided are true, up-to-date, and accurate. Should there be any changes to any of your personal data, you shall notify <\/span><b>MSL <\/b><span style=\"font-weight: 400;\">immediately.<\/span><\/p>\n<p><b>8. Limitations of Service<\/b><\/p>\n<p><span style=\"font-weight: 400;\">8.1 <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> shall not be appointed as executor in your Will.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">8.2 <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> does not provide nor purport to advise you in connection with your: (a) Will; (b) Personal circumstances; (c) Distribution of property (\u201cdistribution\u201d); (d) Tax consequences arising from such distribution; (e) Effectiveness of such distribution; and (f) Legal consequences of such distribution.<\/span><\/p>\n<p><b>9. Limitations of Liability<\/b><\/p>\n<p><span style=\"font-weight: 400;\">9.1 <\/span><b>MSL<\/b><span style=\"font-weight: 400;\">:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">a) Shall not be responsible for the administration of your estate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">b) Is not responsible for:<\/span><span style=\"font-weight: 400;\"><\/span><\/p>\n<p><span style=\"font-weight: 400;\">(i) Verifying your identity, age, or testamentary capacity.<\/span><span style=\"font-weight: 400;\"><\/span><\/p>\n<p><span style=\"font-weight: 400;\">(ii) Verifying any information that you have provided.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(iii) Any delays or failure in its performance under these terms and conditions resulting from circumstances beyond the control of either <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> which includes flood, drought, fire, casualty, explosion, sabotage, accident, embargo, breakdown in equipment, communication line failure, power failure, lockout, strike, unavoidable accident, act of God, terrorism or threat of terrorism, riot, war, or any enactment, issuance or operation of any adverse governmental law, ruling, regulation, order or decree, or any other emergency that prevents <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> from operating normally;<\/span><span style=\"font-weight: 400;\"><\/span><\/p>\n<p><span style=\"font-weight: 400;\">(iv) Any fraud or dishonest conduct of any third party including but not limited to hacking and phishing; and<\/span><span style=\"font-weight: 400;\"><\/span><\/p>\n<p><span style=\"font-weight: 400;\">(v) Any tampering or misplacing of the Will while in your custody.<br \/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">9.2 <\/span><b>MSL<\/b><span style=\"font-weight: 400;\">, its representatives or agents make no representation or warranty that you will have continuous or uninterrupted access to the Service, or that any of the functions of the Service will be error-free or that no damage will occur to your computer system. The Service is provided to you \u201cas is\u201d and \u201cas available\u201d and the access to the Service is strictly at your own risk. <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> and its service providers make no representation or warranty relating to the Service, including, without limitation, its performance, availability, content, or functions.<\/span><span style=\"font-weight: 400;\"><\/span><\/p>\n<p><span style=\"font-weight: 400;\">9.3 In addition to any other disclaimers and exclusions as may be stipulated in the Terms and Conditions, and to the extent as may be permitted under law, <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> disclaims all warranties, conditions, guarantees, representations, express or implied with respect to the Service. You shall use this Service at your own risk.<\/span><span style=\"font-weight: 400;\"><\/span><\/p>\n<p><span style=\"font-weight: 400;\">9.4 In no event will <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> or their officers, directors, employees, shareholders, affiliates, agents, licensors, or third party service providers be liable in contract, tort (including negligence) or otherwise for any loss or damage (including but not limited to consequential, incidental, special or punitive damages) sustained by you or any other party arising directly or indirectly from your access or use of the Service including but not limited to loss or damage rising from:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">a. any defect, delays, interruptions or failures in the provision of the Service;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">b. <\/span>any inaccuracies, or errors in any data or information in the Will or otherwise provided or made available via the Service;<\/p>\n<p><span style=\"font-weight: 400;\">c. <\/span>the corruption, loss of or error in any data or information provided by the Customer for incorporation in the Will for any reason;<\/p>\n<p>d. any unauthorized use of the Service and\/or intrusion, interference or attack on Website or the Service by any person, virus, Trojan Horse, worm, macro or other harmful components or deleterious programs or files;<\/p>\n<p>e. your failure, neglect or omission to act in accordance with the Terms and Conditions and any other laws, rules, regulations, policies and guidelines currently in force;<\/p>\n<p><span>f. an event which is beyond the reasonable control of <\/span><b>MSL<\/b><span>;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0g. <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> performing and exercising its rights, obligations and discretion pursuant to these Terms and Conditions; and\/or<\/span><\/p>\n<p><span>h. the act or omission of any party other than <\/span><b>MSL<\/b><span>.<br \/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">9.5 Your sole remedy for any failure or non-performance of the Service shall be for <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> to use commercially reasonable efforts to perform an adjustment or repair of the Service by providing a fresh Will and if you remain dissatisfied with the Service, to discontinue your access and use of the same.<\/span><span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">9.6 The foregoing clauses shall apply to the fullest extent as permitted in law.<\/span><\/p>\n<p><b>10. Indemnity<\/b><\/p>\n<p><span style=\"font-weight: 400;\">10.1 You shall keep <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> fully indemnified on a full indemnity basis against any and all losses, damages, fees, costs, charges, duties, expenses, legal costs etc arising directly or indirectly that <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> may howsoever sustain or incur including but not limited to those arising from:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">a. Your use or purported use or misuse of this Website or the Service provided herein; or<\/span><\/p>\n<p><span style=\"font-weight: 400;\">b. Your breach of the Terms and Conditions howsoever occasioned; or<\/span><\/p>\n<p><span style=\"font-weight: 400;\">c. Any intellectual property right or proprietary right infringement claim made by a third party against <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> in connection with your use of the Service.<\/span><\/p>\n<p><b>11. Security and Computer Systems<\/b><span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">11.1 Information you provide in connection with the Service will be stored on the Website\u2019s secure servers and protected by certain encryption techniques. However, the security of the Service depends upon your efforts to protect your access to the Website. You must take all necessary precautions to safeguard your access to the Website, which allows you to access the Service.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">11.2 You shall be responsible for all access and use of the Service whether authorized by you or otherwise and shall indemnify <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> in relation to any liability, losses or damages suffered or incurred by <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> arising from the access and use of the Service.<\/span><\/p>\n<p><b>12. Intellectual Property Rights<\/b><span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">12.1 Other than your personal information, all content available on the Service is the property of <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> and is protected by copyrights, trademarks, or other intellectual and proprietary rights. Your usage of the Service does not grant you a license or right to use any <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> trademark without the express written approval of <\/span><b>MSL<\/b><span style=\"font-weight: 400;\">. In addition, your usage of the Service does not grant you a license or right to use any third party trademark without the express written approval of the third party possessing rights to such trademark.<\/span><\/p>\n<p><b>13. Termination<\/b><span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">13.1 <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> reserves the right to terminate and\/or suspend your access to the Website and\/or the Service or your use of the Website and\/or the Service at any time, for any reason. In particular, and without limitation, <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> may terminate and\/or suspend your access should you violate any of the Terms and Conditions, or violate the rights of <\/span><b>MSL<\/b><span style=\"font-weight: 400;\">, of any other user, or of any third party.<\/span><\/p>\n<p><b>14. Law and Jurisdiction<\/b><span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">14.1 <\/span><span style=\"font-weight: 400;\">The Terms and Conditions are governed by and shall be construed in accordance with the laws of Hong Kong. By accessing this website and\/or using the services provided herein by <\/span><b>MSL,<\/b><span style=\"font-weight: 400;\"> you hereby agree to the exclusive jurisdiction of the courts of Hong Kong in all disputes arising out of or relating to the use of this website. <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> does not guarantee that the materials, information, functions, and\/or services provided on the website are suitable or available for use in jurisdictions outside of Hong Kong.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">14.2 If any part of the Terms and Conditions is determined to be invalid or unenforceable pursuant to applicable laws including, but not limited to, the warranty disclaimers and limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms and Conditions will continue in effect.<\/span><\/p>\n<p><b>15. Queries and Complaints<\/b><\/p>\n<p><span style=\"font-weight: 400;\">15.1 In the event that you have any queries, complaints and\/or disputes arising from your access to and use of the Service, you shall refer the matter to <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> as per the relevant contact details as stipulated in the Product Disclosure Sheet.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">15.2 <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> shall use its reasonable endeavours to respond to the queries and resolve any problems or issues as may be raised by you.<\/span><span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">15.3 You shall specify the nature of your query, complaint and\/or dispute and such other details or information as may be required by <\/span><b>MSL<\/b><span style=\"font-weight: 400;\"> and such complaint and\/or dispute shall be handled and\/or resolved in accordance with <\/span><b>MSL<\/b><span style=\"font-weight: 400;\">\u2019s internal complaints and dispute resolution procedure.<\/span><\/p>\n<p><span><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b><span style=\"font-weight: 400;\"><br \/><\/span><br \/><\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>Terms &amp; ConditionsBelow are the Terms and Conditions of our Online Will product. Please read carefully and if necessary consult independent legal advice prior to the use.Terms &amp; Conditions of SmartWills Online Will Writing Service The Online Will Writing Service (\u201cService\u201d) is provided by My Smartwills Limited [3246913] (\u201cMSL\u201d). These are the terms and conditions [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-1907","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Terms And Conditions - SmartWills Hong Kong<\/title>\n<meta name=\"description\" content=\"Learn more about the Terms and Conditions of our Online Will product. 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