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1. TOCA Ratings means all rights associated with the web site, trade mark on the web site or any component parts of it, Chinese name, English name (if any) or any combination of them, product name, letter head, envelope, design are owned by TOCA Ratings.
 
2. The copyright of the information contained or attached to the web site are owned by TOCA Ratings. You are only allowed to view, read, copy or print the information or contents of web site subject to the following:
 
(a) All information and contents of the web site are informational and reference only;
 
(b) All information and contents of the web site are for non-commercial purpose only;
 
(c) Any copy of this document or portion therefore must include the copyright notice in its integrity.
   
 
3. Note that any information and contents in this web site (include the intellectual property right owned by TOCA Ratings) may be restrictive or the subject of other rights, or other interested parties and are not licensed to you hereunder. Hence, you should personally undertake the risk and liability due to infringement of intellectual property right when use or copy the information and contents of the web site.
 
4. This document is intended to provide general information on a particular subject or subjects and is not an exhaustive treatment of such subject(s). Accordingly, the information in this document is not intended to constitute accounting, tax, legal, investment, consulting or other professional advice or services. Before making any decision or taking any action, which might affect your personal finances or business, you should consult a qualified professional adviser.
 
5. You should personally undertake all risks and liabilities when use or copy the information or contents of the web site. TOCA Ratings and any of its associates, employees and directors makes no warranty regarding the content or the information of the web site and makes no representation as to its accuracy or completeness, legality, safety and suitability, and expressly disclaim any liability whatsoever and any loss howsoever arising from or in reliance upon the whole or any part of the contents of the web site.
 
6. The contents and the information contained is provided in the web site "as is" basis, and not reflects any subsequent change or status of the contents and information.
   
  7. TOCA Ratings will not either undertake any cost and expense due to connection with the web site or the liability associated therein. TOCA Ratings reserves the right to refuse any entry to the web site or disconnect with any linkage with other web sites.  
   
  8. If any part of this Disclaimer is held illegal or unenforceable, the enforceability and legality of the remaining part of the Disclaimer shall not be affected.  
 
 
 
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