1. Entity and Website Purpose
This website (the "Website") is operated by XFacil (Hong Kong) Limited, a company incorporated in Hong Kong (the "Company").
The Website is made available solely for the purpose of providing general corporate and regulatory information relating to the Company. All information contained on this Website is of a general and informational nature only and is not intended to constitute, and should not be construed as, any offer, solicitation, recommendation or arrangement to provide any regulated or unregulated services.

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2. MSO Licence Disclosure
The Company is a holder of a Money Service Operator licence issued under the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615 of the Laws of Hong Kong).
Such licence permits the Company to conduct money service operations only within the scope permitted under applicable Hong Kong laws and regulations, and subject to regulatory oversight by the relevant authorities.
Nothing on this Website shall be interpreted as expanding, limiting or otherwise defining the scope of activities permitted under the Company's MSO licence.

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3. No Services Provided via the Website
No money services, payment services, remittance services, onboarding services, account services or other regulated activities are provided, offered or made available through this Website.
Access to or use of this Website does not constitute and shall not be deemed to create:
• any customer, client or user relationship with the Company;
• any contractual, fiduciary or advisory relationship; or
• any commitment or obligation on the part of the Company to provide services of any kind.
Any services that may be provided by the Company (if any) are subject to separate agreements, terms and conditions and applicable onboarding procedures, and shall not be inferred from the content of this Website.
Nothing on this Website is intended to promote, market or solicit money services to the public.

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4. Regulatory and AML/CTF Context
As a licensed Money Service Operator, the Company is subject to applicable anti-money laundering and counter-terrorist financing laws, regulations and guidelines in Hong Kong.
Any references on this Website to compliance, regulatory status, governance or risk management are provided for general informational purposes only and do not constitute representations, warranties or assurances in respect of any specific transaction, counterparty or activity.

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5. Group and Cross-Entity Disclaimer
The Company may be part of a broader corporate group. Any references on this Website to a group, affiliate or related entity are for descriptive purposes only.
Each entity within the group operates as a separate and independent legal entity, and the licences, regulatory status, services and obligations of one entity shall not be automatically attributed to, extended to or assumed by any other entity solely by virtue of group affiliation.
Where the Company provides any support, facilitation or services to other group entities, such activities (if any) shall be conducted strictly within the scope of the Company's MSO licence, and subject to separate contractual arrangements, applicable regulatory requirements and appropriate compliance controls.
Nothing on this Website shall be interpreted as suggesting that the Company's MSO licence is shared with, or generally applicable to, other group entities, or that any services provided by other group entities are authorised, provided or guaranteed by the Company, unless expressly agreed and documented otherwise.

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6. No Reliance
The information contained on this Website is provided on an "as is" basis. While reasonable care has been taken in preparing the content, the Company makes no representation or warranty, express or implied, as to the accuracy, completeness or timeliness of the information.
Visitors should not rely on the information on this Website as a substitute for professional, legal, regulatory or other advice.