1. Purpose of this page
This disclaimer explains the limits of Baashir Advisory Group Limited's website, tools, and services. It supplements — and should be read together with — our Terms & Conditions and Privacy Policy. By using baashir.com.hk, you acknowledge the statements below.
2. Regulatory status
Baashir Advisory Group Limited is an independent Shariah and strategic advisory firm based in Hong Kong. We are not a bank, broker, fund manager, or licensed financial institution. Specifically:
SFC: We are not licensed by the Securities and Futures Commission. We do not deal in securities, advise on corporate finance, manage assets, or provide regulated investment advice. Nothing on this website solicits the purchase or sale of any investment product.
Insurance Authority (IA): We are not an authorized insurer or licensed insurance intermediary in Hong Kong. References to Takaful or insurance structures are educational or B2B advisory only.
Estate Agents Authority (EAA): We are not licensed under the Estate Agents Ordinance to deal with Hong Kong property. Our property content and introductions relate to overseas markets only, through partners who hold their own local licences.
3. Not financial, legal, or tax advice
General information on this website — articles, FAQs, guides, and marketing copy — is for general awareness only. It is not personalised financial advice, legal advice, tax advice, or a recommendation to enter any transaction. Shariah advisory outputs apply to the facts you provide in a scoped engagement; they do not replace solicitors, accountants, or licensed investment advisers in Hong Kong or elsewhere.
4. Educational content and AAOIFI alignment
Where we reference AAOIFI standards or common Shariah finance practice, we do so to describe our advisory approach — not to certify every page as a formal Shariah ruling. Educational resources, "coming soon" topics, and public articles may be simplified for readability. For binding opinions, certificates, or product sign-off, you need a formal engagement with defined scope and deliverables.
5. Calculators and interactive tools
Zakat, Faraid (inheritance), screening, and similar calculators are estimates and learning aids. They depend on the accuracy of your inputs and general assumptions that may not fit your case (mixed portfolios, complex family structures, cross-border assets, etc.). Results are not certificates, wills, or court-ready documents. Book a paid service for a documented calculation or written method.
6. AI-assisted tools
Some features use artificial intelligence to draft responses, summarise text, or suggest next steps. AI can produce errors, omissions, or outdated information. It does not replace qualified human scholars, lawyers, or compliance officers. For institutional or high-stakes matters, rely on human-reviewed deliverables under an agreed scope — not on chatbot output alone.
7. Overseas property
Property listings, market notes, and introductions cover jurisdictions outside Hong Kong unless clearly labelled otherwise. Foreign laws, taxes, financing rules, and Shariah structures differ. We do not guarantee rental yields, capital growth, title clarity, or developer performance. Partner agents and lawyers act on their own terms. You must obtain independent legal, tax, and Shariah review in the relevant jurisdiction before committing funds.
8. Third-party links and introductions
Links to external websites, institutions, or partners are provided for convenience. We do not endorse every statement on third-party sites and are not responsible for their content, security, or business practices. Introductions to funds, banks, developers, or service providers do not constitute an guarantee of quality, performance, or regulatory status in your home jurisdiction.
9. No warranties
The website and tools are provided on an "as is" and "as available" basis. While we aim for accuracy and uptime, we do not warrant uninterrupted access, error-free code, or that content is complete or current at all times. We may change, suspend, or remove features without notice.
10. Limitation of liability
To the maximum extent permitted by Hong Kong law, Baashir Advisory Group Limited and its directors, employees, and advisers are not liable for any loss or damage arising from reliance on website content, calculator outputs, AI responses, or third-party introductions — including direct, indirect, or consequential financial loss. Nothing here limits liability that cannot be excluded under applicable law.
11. Seek independent advice
We encourage you to consult licensed professionals — legal, tax, financial, and Shariah — alongside any guidance you receive from us, especially before significant financial, property, or corporate decisions. Our role is advisory and educational within the scope you engage us for; final decisions remain yours.
12. Related policies
For data handling, see our Privacy Policy. For contractual rules, bookings, and governing law, see our Terms & Conditions. The short regulatory summary in our website footer is a condensed version of section 2 above.
13. Contact
Questions about this disclaimer or our regulatory scope:
Email: info@baashir.com.hk
Phone: +852 4421 8514
Address: 11F, 133 Wai Yip Street, Kwun Tong, Hong Kong
14. Updates
We may revise this disclaimer when our services, technology, or regulatory context changes. Check the "Last updated" date above. Material changes will be reflected on this page.