Disclaimers & Terms of Use

The materials in this web site are provided based on the best of our knowledge and understanding, and are represented as accurately as possible without any warranty of any kind.

We disclaim all responsibility, to the fullest extent permitted by law, for any loss occasioned to any 
person acting or refraining from acting as a result of any statement or omission in this web site.

You are advised to seek specific advice from suitably qualified independent professionals based on full 
disclosure of your circumstances and requirements. Incorporated into this web site are links to the web sites of other organisations which are provided solely as a convenience to viewers, and do not imply our endorsement or approval of the content of those web sites or activities of the organisations responsible for those web sites.

Usage of this web site is strictly at your own risk.

All rights reserved. You may view and download a copy of the materials on this web site for your personal, non-commercial use. If you wish to use them or for any other purposes, or if you would like to link your web site to mine, please email me@terencewu.com.

Thank you for your kind understanding.