Refiny Terms of Use
Effective Date: January 6, 2026
Inquiries: If you have any questions about these Terms, please email us at: info@refiny.com
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE.
By accessing and using the website “Refiny”, “Refiny.com” (the “Site”) or any applications and application plug-ins provided by Refiny Company Limited (“Applications”), you agree to follow and be bound by these terms of use (the “Terms of Use”) and agree to comply with all applicable laws and regulations. In these Terms of Use, the words “you” and “your” refer to each customer, Site visitor, or Application user; “we”, “us” and “our” refer to Refiny Company Limited; and “Services” refers to all services provided by us.
It is your responsibility to review these Terms of Use periodically. If at any time you find these Terms of Use unacceptable or if you do not agree to these Terms of Use, please do not use this Site or any Applications. We may revise these Terms of Use at any time without notice to you.
YOU AGREE THAT BY USING THE SITE, ANY APPLICATIONS, AND THE SERVICES YOU ARE AT LEAST 18 YEARS OF AGE AND YOU ARE LEGALLY ABLE TO ENTER INTO A CONTRACT.
These Terms require the use of arbitration on an individual basis to resolve disputes and limit the remedies available to you in the event of a dispute.
Please also refer to the Refiny Service Agreements, Supplemental Terms for Subscriptions, and Privacy Policy, each of which is incorporated herein by reference.
Refiny Company Limited provides an online portal and a suite of technology-driven consulting solutions designed to assist users in independently preparing and drafting their own legal and business documents with greater speed and ease. Our services are strictly limited to providing automated software solutions and administrative consulting to facilitate self-help document preparation. Refiny is NOT a law firm. We do not provide legal advice, and our employees are not acting as your attorneys. Furthermore, Refiny does not function as a Registered Agent within the United States, nor is it a holder of a “Trust or Company Service Provider” (TCSP) License in the Hong Kong Special Administrative Region. Any regulated services, including but not limited to U.S. Registered Agent services or HK TCSP-governed activities, are facilitated through independent, third-party licensed providers. For U.S. Trademark filings, pursuant to USPTO regulations, you will be connected with independent U.S.-licensed attorneys, and the attorney-client relationship is established solely between you and said attorney. You acknowledge that you are exclusively responsible for all ongoing compliance, including the U.S. Corporate Transparency Act (BOI reporting), IRS tax filings (such as EIN/ITIN obligations), and maintaining your entity’s “Good Standing”. Refiny acts only as a facilitator and technology platform; we are not liable for the acts, omissions, or legal compliance of the third-party providers or for your failure to meet government deadlines and tax obligations. All fees are in USD, and customers in jurisdictions outside the US territory are solely responsible for ensuring their payment methods comply with local foreign exchange controls.
Beyond our automated tools, Refiny serves as a resource to help users identify and connect with experienced independent attorneys, consulting firms, and legal service providers. Our objective is to facilitate the best possible support for our customers by bridging the gap between users and professional expertise. However, Refiny does not endorse or guarantee the quality of any third-party providers. Any engagement with a lawyer or consultant through our platform is a direct and separate agreement between you and that professional.
At no time do we review your answers for legal sufficiency, draw legal conclusions, provide legal advice, or apply the law to the facts of your particular situation. Refiny, its Services, and its templates are not a substitute for the advice or services of a licensed solicitor. Although we strive for accuracy, the law changes rapidly; therefore, we cannot guarantee that all information is completely up-to-date. The legal information contained on the Site is for informational purposes only and is not legal advice. If you require advice for a complex problem, you should consult a licensed professional. Your use of Refiny does not create an attorney-client relationship. Instead, you are and will be representing yourself in any legal or administrative matter you undertake through our services.
1. Privacy Policy and Account Security
1.1 Commitment to Privacy. Refiny respects your right to privacy and provides you with the ability to manage the handling of your personal information. A comprehensive statement of our current data practices is available in our Privacy Policy, which is accessible: https://refiny.io/. Our Privacy Policy is expressly incorporated into this Agreement by this reference as if fully set forth herein. Your use of the Site and Services signifies your acknowledgment and agreement to our collection and use of personal data in accordance with our Privacy Policy and the Personal Data (Privacy) Ordinance (Cap. 486) of Hong Kong.
1.2 Account Registration and Information Accuracy. To access specific areas of the Site, utilize certain Applications, or engage our Services, you may be required to register for a user account. You represent and warrant that all information provided during the registration process is complete, truthful, and accurate. You agree to update such information promptly to maintain its accuracy. Upon registration, you will establish a unique username and password.
1.3 Confidentiality of Credentials. You are exclusively responsible for maintaining the strict confidentiality of your account password. You are prohibited from using the account, username, or password of any third party at any time. You agree to notify Refiny immediately of any actual or suspected unauthorized access to your account or any other breach of security.
1.4 Liability for Account Use. Refiny shall not be held liable for any loss, damage, or legal consequences resulting from the use of your account or password by a third party, regardless of whether such use occurred with or without your knowledge. Conversely, you may be held legally and financially liable for any losses incurred by Refiny, our subsidiaries, affiliates, officers, directors, employees, consultants, and agents due to the unauthorized use of your account or password.
1.5 Data License for Service Delivery. In the course of utilizing Refiny products or services, you may be prompted to provide personal data through questionnaires, digital forms, or similar input methods. While this information is protected under our Privacy Policy, you hereby grant Refiny a worldwide, royalty-free, non-exclusive, and fully sub-licensable license to utilize, distribute, reproduce, adapt, and translate this information solely for the purpose of fulfilling the Services you have requested. This license is granted for the specific objective of enabling your use of the applicable service and ensuring document accuracy. You may revoke this license at any time by deleting your personal information from the service or terminating your account; however, such revocation may render Refiny unable to fulfill pending Service requests.
2. Proprietary Rights and Ownership
2.1 Ownership of Assets. This Site and all associated Applications are the exclusive property of, and are operated by, Refiny Company Limited. All rights, titles, and interests in and to the resources and content provided on this Site and through our Applications – including, but not limited to, information, automated templates, legal forms, trademarks, logos, graphics, interface designs, audio-visual elements, and images (collectively referred to as the “Materials”) – are owned either by Refiny or by our designated third-party authors, developers, or vendors (“Third-Party Providers”).
2.2 Intellectual Property Protections. The Materials are protected by copyright, trademark, and other intellectual property laws of the Hong Kong Special Administrative Region and international treaties. Except as explicitly authorized in writing by Refiny, none of the Materials may be copied, reproduced, republished, downloaded, uploaded, posted, displayed, broadcasted, transmitted, or distributed in any form or by any means.
2.3 No Implied Licenses. Nothing contained on this Site or within any Applications shall be interpreted as granting, by implication, estoppel, or otherwise, any license or right to use any of Refiny’s intellectual property without the express written permission of Refiny or the relevant Third-Party Provider. Any unauthorized use of the Materials may violate copyright laws, trademark laws, the laws of privacy and publicity, and civil or criminal statutes.
2.4 Limitations on Provision of Materials. Refiny does not sell, license, lease, or provide any Materials to users, except for those specifically designated as part of a purchased Service or explicitly made available for download by Refiny. We reserve all rights not expressly granted to you within these Terms of Use. For inquiries regarding the procurement of licenses for any Materials, please contact info@refiny.com.
3. Limited License and Permission to Use Materials
3.1 Grant of Limited License. Subject to your strict compliance with these Terms, Refiny hereby grants you a personal, non-exclusive, non-transferable, and revocable license to download, view, copy, and print the Materials provided on the Site or through our Applications. This license is granted solely for your individual, informational, and non-commercial use. For the avoidance of doubt, you may access and use the Materials on a single computing device or across multiple personal devices (such as a smartphone, tablet, or laptop) provided they are under your direct control and intended for your private use.
3.2 Conditions of Use. Your permission to utilize the Materials is explicitly conditioned upon the following:
– Integrity of Notices: You must not alter, obscure, or remove any copyright, trademark, or other proprietary notices embedded in or appearing on any Materials.
– Prohibition on Redistribution: The Materials shall not be hosted, displayed, or utilized on any other website, social media platform, or within a networked computer environment without express written consent from Refiny.
– Limited Modification: You are prohibited from modifying, deconstructing, or creating derivative works from the Materials, except for the authorized completion and editing of downloadable forms specifically intended for your personal legal or business affairs.
3.3 Automatic Termination. This limited permission shall terminate automatically, without further notice from Refiny, if you violate any provision of these Terms of Use. Upon such termination, you are legally obligated to immediately cease all use of the Materials and destroy any copies, whether in digital or printed format, that are in your possession or control.
3.4 Unauthorized Use. Any use of the Materials not expressly permitted by these Terms constitutes a breach of contract and may violate copyright, trademark, and data privacy laws, as well as international communications regulations and statutes. Refiny reserves the right to pursue all available legal and equitable remedies to protect its intellectual property.
4. Third-Party Links and External Resources
4.1 Non-Affiliated and Partner Links. The Site and Applications may incorporate hyperlinks to external websites or digital platforms operated and maintained by entities other than Refiny (each a “Third-Party Site”). These links may connect you to our strategic partners, affiliates, or independent professional service providers, as well as general informational resources and legal citations.
4.2 Disclaimer of Responsibility. Refiny does not exercise editorial or operational control over Third-Party Sites. Consequently, we do not endorse, nor do we accept any liability for:
– The availability, accuracy, or reliability of any content, products, or services offered on such sites.
– Any updates, modifications, or transmissions (including webcasting or data streaming) received from a Third-Party Site.
– The privacy practices or security protocols of any website accessed through our platform.
4.3 No Guarantee of Quality. Refiny makes no representations or warranties, express or implied, regarding the quality, legality, or suitability of any products or services provided by Third-Party Sites. The inclusion of a link does not constitute an endorsement, sponsorship, or formal affiliation, nor does it imply that Refiny is legally authorized to use any trade name, registered trademark, logo, or official seal that may be displayed via such links.
4.4 Assumption of Risk. You acknowledge and agree that your access to and use of any Third-Party Site is at your own risk. You are solely responsible for evaluating the terms and conditions and privacy policies of any external site you visit. Refiny shall not be held liable, directly or indirectly, for any loss, injury, or damage allegedly caused by or in connection with your dealings with any third party or your reliance on any content or services available through an external link.
4.5 Inquiries Regarding External Content. Should you have concerns regarding the content or functionality of a Third-Party Site, you must direct such inquiries to the administrator or webmaster of the respective external platform.
5. Refiny Document Templates and Automated Forms
5.1 Nature of Self-Help Forms. Through the Site, Applications, and designated partners, Refiny provides automated “fill-in-the-blank” document templates and self-help forms (collectively, “Forms”).
– Partner Transactions: If you acquire a Form via a third-party partner, you will be redirected to their platform, and your transaction will be governed by that partner’s specific terms of use.
– Direct Transactions: For any Form purchased or accessed directly on our Site or Applications, these Terms of Use shall exclusively govern.
– Non-Legal Nature: You expressly acknowledge that the acquisition, download, or use of any Form does not constitute legal advice or the practice of law. Each Form, along with any supplementary guidance or instructions, is a generalized template and has not been tailored or customized to meet your specific legal requirements or unique circumstances.
5.2 Grant of Usage License. Refiny hereby grants you a limited, personal, non-exclusive, and non-transferable license to utilize the Forms for your individual personal use or for your internal business operations. If you are a licensed legal professional or consultant, you are granted permission to utilize the Forms for the benefit of your clients.
5.3 Restrictions on Alteration. Except as expressly permitted within the functionality of the automated tool (i.e., filling out the required fields for authorized use), you acknowledge and agree that you possess no right to:
– Modify, edit, copy, or reproduce the underlying structure of the Forms.
– Create derivative works, reverse engineer, decompile, or otherwise attempt to extract the logic or source code of the Forms.
– Alter, enhance, or exploit the Forms in any manner that exceeds the scope of the license granted herein.
– Remove or obscure any copyright notices or proprietary watermarks embedded within the Forms.
5.4 Absolute Prohibition on Resale. By purchasing, accessing, or downloading our Forms, you agree that such Materials are for your exclusive use (or your client’s use, if applicable). The resale, sub-licensing, or redistribution of Refiny Forms – whether in their original or modified state – is strictly prohibited without the prior express written authorization of Refiny Company Limited. Any violation of this clause will result in immediate termination of your license and may subject you to legal action for copyright infringement and breach of contract.
6. DISPUTE RESOLUTION; BINDING ARBITRATION
PLEASE READ THIS SECTION CAREFULLY. This Arbitration Agreement limits your right to file a lawsuit in court and ensures that disputes are resolved efficiently in Hong Kong.
6.1 Mandatory Individual Arbitration. You and Refiny agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or the Services (collectively, “Disputes”) shall be settled by final and binding arbitration on an individual basis, rather than in a court of law. This agreement to arbitrate includes Disputes that arose before you accepted these Terms and those that may arise after termination.
6.2 Informal Resolution (Pre-Arbitration). Before initiating formal proceedings, you agree to first contact our Customer Care Center at info@refiny.com. We will attempt to resolve the Dispute informally for at least thirty (30) days. If we cannot reach a resolution, either party may then commence arbitration via the HKIAC.
6.3 Arbitration Rules and Forum. The arbitration shall be administered by the Hong Kong International Arbitration Centre (HKIAC) under the HKIAC Administered Arbitration Rules.
– Location: The seat of arbitration shall be Hong Kong.
– Language: The proceedings shall be conducted in English.
– Arbitrator: The dispute shall be resolved by a single arbitrator appointed in accordance with HKIAC Rules.
6.4 Class Action and Jury Trial Waiver. YOU AND REFINY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, you waive any right to a jury trial (if applicable in any jurisdiction).
6.5 Costs and Fees.
– Payment of filing and arbitrator fees will be governed by the HKIAC fee schedule.
– Consumer Protection: If you are using the Service for personal use and your claim is for less than $10,000 USD (or equivalent in HKD), Refiny may, at its sole discretion, elect to reimburse your filing fees, provided the arbitrator does not find your claim to be frivolous.
6.6 Exceptions to Arbitration. Notwithstanding Section 6.1, either party may:
– Bring an individual action in the Small Claims Tribunal of Hong Kong.
– Seek urgent injunctive or equitable relief in the courts of Hong Kong to prevent the infringement or misappropriation of intellectual property rights (e.g., trademarks, copyrights).
6.7 Opt-Out Right. You have the right to opt-out of this Arbitration Agreement within thirty (30) days of first accepting these Terms by sending a written “Opt-Out Notice” to our registered address in Central, HK. If you opt-out, Section 19 (Governing Law & Venue) will apply.
6.8 Severability. If any part of this Section 6 is found unenforceable, the remainder shall remain in effect. However, if the Class Action Waiver (Section 6.4) is found unenforceable, the entire Section 6 shall be null and void.
7. Supplemental and Additional Terms
7.1 Applicability of Supplemental Terms. Certain Services provided by Refiny may be subject to specific guidelines, operational rules, or distinct terms of service that are not fully detailed in this primary Agreement (collectively, “Additional Terms”). These may include, but are not limited to, service-specific agreements for Company Formation, Trademark Filing, or Ongoing Compliance Support.
7.2 Condition of Use. Your utilization of any Service that is governed by Additional Terms is strictly conditioned upon your express agreement to those terms. By proceeding with the purchase or use of such Services, you acknowledge that you have reviewed and accepted the applicable Additional Terms.
7.3 Conflict of Terms. In the event of a direct conflict or inconsistency between the provisions of these General Terms of Use and any Additional Terms, the Additional Terms shall prevail and govern with respect to that specific Service, unless the Additional Terms explicitly state that these General Terms of Use take precedence.
7.4 Incorporation by Reference. All such Additional Terms are hereby incorporated into this Agreement by reference. Refiny reserves the right to modify Additional Terms at any time, and such modifications will be effective upon posting in the relevant section of the Site or Application.
8. User-Generated Content: Reviews, Feedback, and Communications
8.1 Submission of User Content. Refiny may provide interactive areas on the Site or Applications where users can post ratings, reviews, testimonials, comments, questions, and other materials (collectively, “User Content”). Your access to and use of these features are strictly governed by these Terms.
8.2 Refiny’s Role and Limitation of Liability.
– Non-Authorship: Refiny acts merely as a passive conduit for User Content. We are not the publisher or author of any User Content and do not endorse any opinions expressed therein.
– No Liability: We assume no responsibility and disclaim all liability for any User Content posted by you or any third party, including any errors, defamation, or omissions.
– Security Measures: While we implement commercially reasonable security protocols, we cannot guarantee absolute system security. If you suspect a security breach, you must notify our technical team immediately.
– System Integrity: Refiny reserves the right to remove files or terminate processes that our technical staff deems a threat to the Site’s operation or the security of other users. We may also temporarily disable accounts suspected of unauthorized use to maintain system integrity.
– Discretionary Oversight: Refiny maintains the right (but not the obligation) to monitor, edit, redact, or delete any User Content at our sole discretion for any reason.
8.3 Obligations of the User. You are legally and ethically responsible for all User Content – including text, files, and images – that you transmit or post. By submitting User Content, you represent and warrant that you will not post content:
– That is fraudulent, inaccurate, or intentionally misleading;
– That infringes upon the intellectual property rights (patents, copyrights, trademarks, or trade secrets) of any third party;
– That violates any local or international laws and regulations (including consumer protection, unfair competition, and export control laws);
– That is defamatory, libelous, discriminatory, hateful, or constitutes unlawful harassment toward any individual or entity;
– That contains unauthorized advertisements, “spam,” or for which you received compensation from a third party;
– That includes private contact information of others (addresses, phone numbers, etc.);
– That contains malware, viruses, or any destructive computer code;
– That violates the professional conduct rules if you are an attorney contributing content.
8.4 Ownership and Licensing of User Content.
– Retention of Rights: You retain the copyright to the original works you post as User Content. By posting, you grant other authorized users a limited license for personal and customary use of that work (such as linking or reposting).
– License to Refiny: You grant Refiny a perpetual, irrevocable, worldwide, royalty-free, and fully sub-licensable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in any media or technology now known or hereafter developed. This license allows us to use your feedback to improve our Services without any compensation to you.
– Right to Remove: You may remove your User Content at any time, which will terminate the aforementioned license for future use, though archived copies may persist.
8.5 Privacy and Anonymity. Refiny respects your desire for privacy. You are not required to use your legal name as your username and may operate under a pseudonym. We provide features to hide your email address from public view upon request.
8.6 Processing of Reviews. Reviews and ratings typically undergo a moderation period of two to five business days before being published. By submitting your email address in connection with a review, you consent to Refiny using that email to contact you regarding the status of your post or for other administrative purposes.
9. Disclaimer of Warranties
9.1 “As Is” and “As Available” Basis. TO THE MAXIMUM EXTENT PERMITTED BY THE APPLICABLE LAWS OF THE HONG KONG SPECIAL ADMINISTRATIVE REGION AND OTHER RELEVANT JURISDICTIONS, THE SITE, APPLICATIONS, AND ALL CONTENT, DOCUMENTS, OR FORMS ACCESSED THROUGH THE SITE OR APPLICATIONS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. REFINY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
9.2 Specific Performance Disclaimers. REFINY MAKES NO REPRESENTATIONS OR WARRANTIES THAT:
– THE SITE, APPLICATIONS, OR MATERIALS WILL ALIGN WITH YOUR SPECIFIC BUSINESS OR LEGAL REQUIREMENTS;
– THE OPERATION OF THE SITE OR APPLICATIONS WILL BE CONTINUOUS, PUNCTUAL, SECURE, OR COMPLETELY FREE OF ERRORS;
– THE DATA, RESULTS, OR OUTPUT GENERATED FROM THE USE OF THE SITE, APPLICATIONS, OR MATERIALS WILL BE ACCURATE, EXHAUSTIVE, OR RELIABLE; OR
– THE OVERALL QUALITY OF ANY SERVICES, PRODUCTS, OR INFORMATION PROCURED THROUGH THE SITE WILL SATISFY YOUR SUBJECTIVE EXPECTATIONS.
9.3 User Risk and Data Integrity. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE UTILIZATION OF OUR SITE OR APPLICATIONS IS ACCESSED AT YOUR SOLE DISCRETION AND RISK. REFINY ACCEPTS NO RESPONSIBILITY FOR ANY CONSEQUENTIAL DAMAGE TO YOUR COMPUTER SYSTEMS, HARDWARE, OR LOSS OF DATA THAT MAY RESULT FROM THE DOWNLOAD OR USE OF ANY CONTENT, SOFTWARE, OR MATERIALS.
9.4 Refiny Satisfaction Guarantee. NOTWITHSTANDING THE FOREGOING DISCLAIMERS, REFINY MAY OFFER A “SATISFACTION GUARANTEE”, THE SPECIFIC TERMS AND CONDITIONS OF WHICH ARE DETAILED IN OUR REFUND POLICY. TO THE EXTENT ANY CONSUMER PROTECTION LAWS (SUCH AS THE CONSUMER GOODS AND SERVICES LAWS OF HONG KONG) IMPLY WARRANTIES THAT CANNOT BE EXCLUDED, OUR LIABILITY FOR BREACH OF SUCH WARRANTIES IS LIMITED, AT OUR OPTION, TO EITHER THE RE-SUPPLY OF THE SERVICES OR THE REFUND OF THE FEES PAID FOR SAID SERVICES.
10. Limitation of Liability and Indemnification
10.1 Indemnification Obligations. EXCEPT WHERE PROHIBITED BY APPLICABLE LAW, YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD REFINY COMPANY LIMITED AND ITS RESPECTIVE OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, CONSULTANTS, AND AGENTS (COLLECTIVELY, THE “REFINY PARTIES”) HARMLESS FROM AND AGAINST ANY AND ALL CLAIMS, LIABILITIES, LOSSES, COSTS, OR EXPENSES (INCLUDING REASONABLE LEGAL FEES, DISBURSEMENTS, AND ALL RELATED COSTS OF LITIGATION OR ARBITRATION) ARISING OUT OF OR IN ANY WAY CONNECTED WITH:
– YOUR ACCESS TO OR USE OF THE SITE, APPLICATIONS, OR MATERIALS;
– YOUR VIOLATION OF THESE TERMS OF USE OR ANY APPLICABLE LAWS, STATUTES, OR REGULATIONS; OR
– ANY INFRINGEMENT BY YOU, OR ANY THIRD PARTY USING YOUR ACCOUNT, OF ANY INTELLECTUAL PROPERTY OR OTHER RIGHT OF ANY PERSON OR ENTITY.
10.2 Exclusion of Certain Damages. TO THE MAXIMUM EXTENT PERMITTED BY THE LAWS OF THE HONG KONG SPECIAL ADMINISTRATIVE REGION, IN NO EVENT SHALL THE REFINY PARTIES BE LIABLE FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF BUSINESS, REVENUE, PROFITS, DATA, USE, GOODWILL, OR OTHER ECONOMIC ADVANTAGE), HOWEVER THEY ARISE, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, EVEN IF REFINY HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.
10.3 Limitation of Aggregate Liability. IF, NOTWITHSTANDING THE EXCLUSIONS SET FORTH ABOVE, REFINY IS FOUND TO BE LIABLE TO YOU FOR ANY REASON, OUR AGGREGATE LIABILITY SHALL BE STRICTLY LIMITED TO THE ACTUAL AMOUNT PAID BY YOU TO REFINY FOR THE SPECIFIC PRODUCT OR SERVICE GIVING RISE TO THE CLAIM. UNDER NO CIRCUMSTANCES SHALL THE TOTAL LIABILITY EXCEED THE FEES COLLECTED BY US FROM YOU IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.
10.4 Jurisdictional Variations. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS. HOWEVER, THE PROVISIONS OF THIS ARTICLE 10 SHALL BE ENFORCED TO THE MAXIMUM EXTENT PERMITTED BY THE GOVERNING LAW.
11. Feedback and Unsolicited Submissions
11.1 Non-Confidential Treatment. Outside of the specific personal or business information required for the fulfillment of your purchased Services, Refiny does not wish to receive confidential or proprietary information through this Site or its Applications. Please be advised that any comments, feedback, creative suggestions, ideas, or materials (collectively, “Submissions”) submitted to Refiny shall be treated as non-confidential and non-proprietary.
11.2 Assignment of Rights. By providing Submissions to Refiny, you hereby grant and assign to the Company, at no cost and in perpetuity, all worldwide rights, titles, and interests—including all intellectual property rights—associated with such Submissions. Refiny shall be entitled to the unrestricted use, reproduction, modification, and dissemination of these Submissions for any purpose whatsoever (commercial or otherwise) without acknowledgment or compensation to you.
11.3 User Representations and Warranties. You represent and warrant that you own or otherwise control all of the rights to the Submissions you provide. You are solely responsible for the legality, reliability, appropriateness, and originality of any such content. You agree to waive any “moral rights” you may have in your Submissions to the extent permitted by law.
11.4 Protection Against Liability. Refiny shall have no obligation to monitor, return, or respond to any Submissions. You acknowledge that our receipt of your Submission is not an admission by Refiny of its novelty, priority, or originality, and does not impair our right to contest existing or future intellectual property rights relating to your Submission.
12. Compliance with Intellectual Property Laws
12.1 Respect for Proprietary Rights. When accessing the Site or utilizing Refiny’s document preparation Services, you agree to comply with all applicable laws and respect the intellectual property rights of others. Your use of the Services is at all times subject to laws governing copyright, trademark, patent, and trade secret ownership. You agree not to upload, post, transmit, or otherwise distribute any content that violates a third party’s intellectual property or proprietary rights.
12.2 User Responsibility. You are solely responsible for any violations of relevant laws or infringements of third-party rights caused by content you provide or transmit using your Refiny account. The burden of proving that any content does not violate any laws or third-party rights rests exclusively with you.
12.3 Infringement Policy. Refiny maintains a strict policy regarding the protection of intellectual property. We reserve the right to immediately remove any content, articles, or materials that are alleged to infringe the rights of Refiny or a third party. Refiny may, at its sole discretion, suspend or terminate the accounts of users who are deemed to be repeat infringers or who otherwise violate intellectual property regulations.
12.4 Copyright Infringement Notification (Notice). Refiny has established procedures for receiving written notification of claimed copyright infringement. If you have a good faith belief that your copyrighted work has been infringed, please provide our Copyright Agent with a written “Notice of Infringement” containing the following information:
– A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright interest;
– Identification of the copyrighted work claimed to have been infringed;
– Identification of the material that is claimed to be infringing and its location on the Site (including URLs);
– Your contact information, including address, telephone number, and email address;
– A statement that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
– A statement that the information in the notification is accurate and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.
Designated Copyright Agent:
General Counsel c/o Refiny Company Limited
Suite A, Level 7, World Trust Tower, 50 Stanley Street, Central, Hong Kong.
Email: info@refiny.com
12.5 Counter-Notification. If you believe that your content was removed by mistake or misidentification, you may submit a written “Counter-Notice” to our Copyright Agent containing:
– Your physical or electronic signature;
– Identification of the material that was removed and its previous location;
– A statement under penalty of perjury that you have a good faith belief that the material was removed as a result of mistake or misidentification;
– Your name, address, and telephone number;
– A statement that you consent to the jurisdiction of the courts of the Hong Kong Special Administrative Region, and that you will accept service of process from the person who provided the original notification of infringement.
12.6 Restoration of Content. Upon receipt of a valid Counter-Notice, Refiny may send a copy to the original complaining party. Unless the copyright owner files a court action seeking an order against the user, the removed content may be replaced or access restored within 10 to 14 business days after receipt of the Counter-Notice, at Refiny’s sole discretion.
13. Prohibited and Inappropriate Content
13.1 Restrictions on Content. When accessing the Site, utilizing our Applications, or engaging with Refiny’s Services, you are strictly prohibited from uploading, downloading, displaying, transmitting, or otherwise distributing any content that:
– Is Unlawful or Harmful: Content that is libelous, defamatory, obscene, pornographic, abusive, harassing, or threatening to any individual or entity.
– Promotes Illegal Activity: Content that advocates, encourages, or provides instructions for conduct that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, regional, national, or international law or regulation.
– Unauthorized Commercial Activity: Content that consists of unsolicited advertisements, solicitations for funds, or the unauthorized promotion of third-party goods or services.
13.2 Rights of Removal and Termination. Refiny reserves the absolute right to delete, redact, or remove any such inappropriate material from its servers and database without prior notice. Furthermore, we reserve the right to terminate your access to the Site and Services immediately if you are found to be in violation of this Article.
13.3 Cooperation with Law Enforcement. Refiny maintains a policy of full transparency and cooperation with law enforcement officials, regulatory bodies, and government agencies. In the event of an investigation regarding a violation of these Terms of Use or any applicable laws, we may disclose User Content or account information as required by legal process or in a good faith belief that such disclosure is necessary to protect the rights, property, or safety of Refiny, its customers, or the public.
14. Compliance with Export and Sanctions Laws
14.1 Compliance Obligation. You are prohibited from accessing, downloading, utilizing, or exporting the Site, Applications, or Materials in violation of any applicable export control laws or trade sanctions. You agree to comply strictly with all such laws and regulations, including those of the Hong Kong Special Administrative Region, the United Nations, and any other relevant domestic or foreign agencies or authorities.
14.2 Responsibility for Licensing. You assume sole responsibility for securing any necessary licenses or government authorizations required for the export, re-export, or transfer of the Materials or Services. Refiny shall not be held liable for your failure to obtain such required authorizations.
14.3 Prohibited Destinations and Users. By using our Services, you represent and warrant that:
– You are not located in, a national of, or a resident of any country or territory subject to comprehensive trade sanctions or embargos (collectively, “Proscribed Countries”);
– You are not listed on any government “Specially Designated Nationals” or “Denied Persons” list;
– You will not, directly or indirectly, transfer or re-export any Materials or products derived therefrom to any Proscribed Countries or restricted individuals; and
You will not utilize the Site or Applications for any prohibited purposes, including but not limited to, the development of weapons of mass destruction or other illegal activities.
14.4 Technical Restrictions. Refiny reserves the right to employ technological measures, such as IP address blocking or geofencing, to restrict access to the Site or Applications from any jurisdiction where use is prohibited by law or these Terms.
15. Personal and Internal Business Use
15.1 Individual Capacity. The Site, Applications, and Materials are made available to you exclusively for your personal use or for the internal business purposes of the entity you represent. By using our Services, you acknowledge that you are accessing them on your own behalf or on behalf of a single identified business entity.
15.2 Non-Commercial Redistribution. Unless you have entered into a separate Professional or Partner Agreement with Refiny, you are prohibited from using the Services to provide professional legal, consulting, or administrative services to third parties for a fee. You may not use the Materials to create a competing product or service, or to redistribute our document templates to any person or entity outside of your immediate personal or internal business needs.
15.3 Attorney Exception. Notwithstanding the above, if you are a licensed legal professional or consultant utilizing our platform, you are permitted to use the Materials for the benefit of your specific clients, provided that such use remains subject to the license restrictions and proprietary rights set forth in these Terms.
16. Minors and Eligibility
16.1 Age Restriction. The Site, Applications, and Services offered by Refiny are strictly intended for use by individuals who are at least eighteen (18) years of age and possess the full legal capacity to enter into binding contracts. Minors (individuals under the age of 18) are not eligible to utilize the Site or Applications under any circumstances.
16.2 Prohibition on Data Submission. Refiny does not knowingly collect, solicit, or maintain personal information from individuals under the age of 18. We specifically request that minors do not attempt to register for an account or submit any personal data – including names, addresses, phone numbers, or email addresses – to us through any portion of the Site or Applications.
16.3 Parental Responsibility. If we become aware that we have inadvertently collected personal information from a minor without verifiable parental consent, we will take immediate steps to delete that information from our servers and terminate any associated accounts. If you are a parent or guardian and believe that your child has provided us with personal information, please contact our Customer Care Center immediately so that we may take appropriate action.
17. Governing Language and Translations
17.1 English as the Official Language. You acknowledge that certain Materials provided on the Site and through our Applications – including but not limited to legal questionnaires, automated document templates, instructional guides, and official government filings – may be available exclusively in the English language.
17.2 Translations for Convenience. Refiny may, at its sole discretion, provide translations of these Terms of Use, Privacy Policy, or other supplemental terms into languages other than English (such as Vietnamese or Chinese). You agree that any such translations are provided solely for your convenience and informational purposes.
17.3 Controlling Version. In the event of any discrepancy, ambiguity, inconsistency, or conflict between the English version of these Terms and any translated version, the English version shall be the sole authoritative and legally binding text. All disputes, interpretations, and legal proceedings arising under these Terms shall be conducted based on the English version.
17.4 Customer Responsibility. If you do not fully understand the English version of any document, Service, or term, it is your sole responsibility to seek independent translation or legal advice before proceeding with a purchase or submitting information to Refiny.
18. Accessibility and Customers Needing Extra Assistance
18.1 Commitment to Accessibility. Refiny is committed to ensuring that our Site, Applications, and Services are accessible to all individuals, including those with disabilities. We strive to provide a user experience that is inclusive and aligns with prevailing international web accessibility standards.
18.2 Assistance for Users. If you experience any difficulty accessing or reading any part of the Refiny website or Applications, or if you encounter obstacles while using our digital tools due to a disability or technical limitation, we are here to help.
18.3 Contact for Support. Our dedicated Customer Care Team is available to provide alternative means of access to our information and product offerings. Please contact us through any of the following channels for personalized assistance:
– Email: info@refiny.com
– Live Chat: Available directly through our Site and Applications during business hours (HKT).
– Direct Request: You may also request that certain Materials be provided in an alternative format if the current digital version is not accessible to you.
19. Governing Law and Jurisdiction
19.1 Choice of Law. These Terms of Use, and your overall relationship with Refiny under these Terms, shall be governed by, construed, and enforced in accordance with the laws of the Hong Kong Special Administrative Region (HKSAR). This applies without regard to any conflict of law rules or principles (whether of Hong Kong or any other jurisdiction) that would permit or require the application of the laws of any other jurisdiction.
19.2 Exclusive Venue. You and Refiny agree that any dispute, controversy, or claim arising out of or relating to these Terms – which is not subject to the mandatory arbitration provisions set forth in Section 6, or cannot be resolved through an informal process – shall be resolved exclusively in the Courts of the Hong Kong Special Administrative Region.
19.3 Consent to Personal Jurisdiction. You hereby expressly and irrevocably consent to the personal and exclusive jurisdiction of the Hong Kong courts for the purposes of litigating any such action. You waive any objection to such jurisdiction or venue on the grounds of lack of personal jurisdiction, improper venue, or forum non conveniens (inconvenient forum).
19.4 Small Claims Exception. Notwithstanding the above, for disputes falling within the monetary jurisdiction of the Small Claims Tribunal of Hong Kong, either party may elect to resolve the matter within that Tribunal’s simplified proceedings.
20. Copyright and Intellectual Property Ownership
20.1 Ownership of Assets. All aspects of the Site and Applications – including but not limited to the overall design, source code, text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and the specific selection and arrangement thereof – are the exclusive property of Refiny Company Limited or its content suppliers.
20.2 Reservation of Rights. All such content is protected by Hong Kong and international copyright, trademark, and other intellectual property laws. Copyright © 2024-2026, Refiny Company Limited. ALL RIGHTS RESERVED.
20.3 Prohibited Acts. Except as expressly authorized in these Terms of Use, no part of the Site, Applications, or Materials may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, or distributed in any way to any other computer, server, website, or other medium for publication or distribution or for any commercial enterprise, without Refiny’s prior express written consent.
21. Trademarks and Brand Identity
21.1 Refiny Marks. The names “Refiny”, “Refiny.com” the specific Refiny logo, and all related names, logos, product and service names, designs, and slogans are trademarks and/or service marks of Refiny Company Limited.
21.2 Trade Dress. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of Refiny. You may not copy, imitate, or use them, in whole or in part, without our prior written permission. The “look and feel” of the Site and Applications (including the color combinations, button shapes, layout, and all other graphical elements) is protected as Refiny’s trade dress.
21.3 Third-Party Marks. All other trademarks, registered trademarks, product names, and company names or logos mentioned on the Site or within the Applications are the property of their respective owners. Reference to any products, services, processes, or other information by name, trademark, manufacturer, supplier, or otherwise does not constitute or imply endorsement, sponsorship, or recommendation by Refiny.
22. Standards for Partner Professionals; Definition of “Experienced”
22.1 Definition of “Experience”. The terms “experience,” “experienced,” or “senior,” when used on the Site, Applications, or in any communications regarding third-party attorneys or professionals participating in Refiny’s network, signify that the primary handling professional or partner of the firm fulfills the following criteria:
– Professional Standing: Possesses a minimum of five (5) years of active practice in their respective legal or professional field;
– Insurance: Maintains professional indemnity insurance (Errors and Omissions) consistent with the statutory requirements of their jurisdiction (e.g., the Law Society of Hong Kong standards);
– Good Standing: Is a member in good standing with the relevant professional body or Bar Association in each jurisdiction where they are licensed;
– No Pending Litigation: Has no pending malpractice lawsuits or significant professional negligence claims at the time of joining the Refiny network;
– Disciplinary Record: Has no public record of professional discipline or suspension by a regulatory body within the last five (5) years.
22.2 No Comparative Claim. The use of the term “experienced” is a statement of qualification based on the criteria above and is not intended to be a comparative claim against the services or qualifications of any other specific attorney or firm.
22.3 Independent Judgment. You acknowledge that the participating attorneys are independent practitioners and are not employees or agents of Refiny. Refiny does not guarantee the outcome of any legal matter handled by these third-party professionals.
23. Testimonials, Endorsements, and Media Representations
23.1 Paid Endorsements. You acknowledge that certain media hosts, public figures, or influencers featured on the Site, in Applications, or through our social media channels may act as paid spokespeople for Refiny. Their endorsements are part of paid advertising campaigns, and they may receive compensation (monetary or otherwise) for their participation.
23.2 Testimonials and Reviews. Any testimonials or reviews displayed on the Site are individual experiences, reflecting real-life experiences of those who have used our Services. However, they are individual results and Refiny does not claim that they are typical results that every consumer will achieve. The testimonials are not necessarily representative of all of those who will use our Services.
23.3 No Guarantee of Outcomes. Endorsements and testimonials are provided for informational purposes only and do not constitute a guarantee, warranty, or prediction regarding the outcome of your specific legal or business matter.
23.4 Usage Rights. By providing a review or testimonial to Refiny, you grant us the right to use, reproduce, and publish that content in our marketing materials, as set forth in the User Content section of these Terms.
24. Inquiries and Consent to Communication
24.1 Submission as an Inquiry. BY UTILIZING REFINY’S SERVICES OR ACCESSING THE SITE OR APPLICATIONS, YOU ACKNOWLEDGE AND EXPRESSLY AGREE THAT SUBMITTING YOUR TELEPHONE NUMBER, EMAIL ADDRESS, OR OTHER CONTACT INFORMATION TO REFINY CONSTITUTES A BONA FIDE INQUIRY REGARDING OUR SERVICES.
24.2 Consent to Contact. YOU AGREE THAT REFINY, OR ITS AUTHORIZED AGENTS, MAY CONTACT YOU AT THE NUMBER OR EMAIL ADDRESS PROVIDED TO DISCUSS YOUR ACCOUNT, PROVIDE UPDATES, OR RESPOND TO YOUR REQUESTS. THIS CONSENT APPLIES EVEN IF YOUR TELEPHONE NUMBER IS REGISTERED ON ANY LOCAL OR NATIONAL “DO NOT CALL” (DNC) REGISTER, UNSOLICITED ELECTRONIC MESSAGES ORDINANCE (UEMO) LISTS, OR SIMILAR RESTRICTIVE DATABASES.
24.3 Compliance with Timeframes. REFINY WILL ADHERE TO REASONABLE INQUIRY EXCEPTION TIME FRAMES AS DEFINED BY APPLICABLE REGULATIONS. YOU MAY WITHDRAW THIS CONSENT AT ANY TIME BY NOTIFYING US IN WRITING OR UTILIZING THE “UNSUBSCRIBE” OR “OPT-OUT” MECHANISMS PROVIDED IN OUR COMMUNICATIONS.
24.4 Recording and Monitoring. FOR QUALITY ASSURANCE AND TRAINING PURPOSES, YOU ACKNOWLEDGE THAT TELEPHONE CALLS BETWEEN YOU AND REFINY REPRESENTATIVES MAY BE RECORDED OR MONITORED, SUBJECT TO OUR PRIVACY POLICY.
25. Right to Refuse Service and Termination
25.1 General Right of Refusal. You acknowledge and agree that Refiny reserves the absolute right to refuse Service to any person or entity, or to decline any specific order or request, at our sole and absolute discretion, for any reason or no reason, at any time.
25.2 Account Cancellation. Refiny reserves the right to suspend, limit, or terminate your access to the Site, Applications, and Services, and to delete your account and any associated data, effectively immediately and without prior notice, if we believe:
– You have breached any provision of these Terms of Use;
– Your actions may cause legal liability or financial loss to Refiny or our users;
– Your conduct is abusive, threatening, or harmful to our staff or professional partners; or
– Such action is necessary to comply with legal requirements or government requests.
25.3 Effect of Termination. Upon termination of your access, your right to use the Services will immediately cease. Any fees paid for Services already rendered or costs already incurred by Refiny on your behalf (such as government filing fees) are non-refundable.
25.4 Survival. All provisions of these Terms which by their nature should survive termination shall survive, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
26. Acknowledgement and Corporate Information
26.1 Binding Agreement. BY UTILIZING REFINY’S SERVICES OR ACCESSING THE SITE OR APPLICATIONS, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE IN THEIR ENTIRETY AND AGREE TO BE FULLY BOUND BY ALL PROVISIONS, TERMS, AND CONDITIONS CONTAINED HEREIN.
26.2 Electronic Signature. You agree that your use of the Site and Applications constitutes an electronic signature and that these Terms of Use are the legal equivalent of a manually signed contract, which is equally binding and enforceable.
26.3 Corporate Identity. Refiny is a brand and service operated by Refiny Company Limited, a corporation registered in the Hong Kong Special Administrative Region. Our registered office is located at:
Refiny Company Limited, having address of Suite A, Level 7, World Trust Tower, 50 Stanley Street, Central, Hong Kong.
26.4 Contact. For any legal notices or inquiries regarding these Terms, please contact our General Counsel at the address above or via email at info@refiny.com
27. AI Additional Terms
If you utilize any artificial intelligence-driven features integrated into Refiny products and services – including but not limited to automated document assistance, business name generation, industry code searching, document summarization, or any other tools identified on the Refiny platform as featuring AI technology (collectively, the “AI Services”) – these additional terms apply to you.
You must be at least 18 years of age to access or use any AI Services provided by Refiny.
You agree not to use Refiny’s AI Services to generate, upload, or distribute any content that is defamatory, libelous, offensive, or threatening; encourages illegal acts or constitutes a criminal offense; facilitates fraudulent activities such as phishing or the distribution of malware; is intentionally designed to deceive or misinform; or violates the intellectual property rights of any third party.
The AI Services are not designed for processing highly sensitive personal data or information pertaining to individuals under the age of 18. You assume all risks associated with inputting such data into AI-powered tools.
Refiny utilizes generative artificial intelligence, a technology that is subject to rapid change and inherent limitations. All AI Services are provided on an “as-is” and “as-available” basis. Refiny makes no guarantees, express or implied, that the output generated by the AI will be accurate, complete, current, or suitable for your specific legal or business requirements.
AI-generated content does not constitute legal, financial, or professional advice. The outputs are for informational and organizational purposes only and should not be considered a substitute for the advice of a qualified professional.
You acknowledge that the AI Services are automated and involve processing by third-party technology providers. Therefore, the use of AI Services is not intended to protect or process information subject to attorney-client privilege.