Updated 25 October 2026
About these terms
These terms govern your use of the Morency & Co. website and secure client environment.
Morency & Co. is a company incorporated in Hong Kong. Its registered address is 728 King's Rd, Tsat Tsz Mui, Hong Kong Island, Hong Kong.
Additional terms may apply to a particular service, transaction or relationship. This includes terms issued by a partner institution and terms in a purchase, escrow or other service contract. If specific terms conflict with these general terms, the specific terms govern the relevant service or transaction.
Eligibility and access
Access to client services requires verification. It is subject to eligibility, applicable law and relevant policies.
We may require identity, address, mandate and other information before providing access or considering a request. We may decline, restrict or suspend access where reasonably necessary to comply with law, protect a person or system, address a security concern or enforce applicable terms.
Access to the secure client environment is assigned by role. Roles may include client, advisor, operator and oversight access. A role does not give a user authority beyond the permissions and responsibilities separately granted to that user.
Your responsibilities
You must:
- provide information that is accurate and not misleading;
- keep your information reasonably current;
- protect your password and multi-factor authentication method;
- use only access assigned to you;
- not share credentials or attempt to bypass access controls;
- comply with applicable law and contractual obligations;
- review instructions and information before submitting them; and
- notify us promptly of suspected unauthorised access or misuse.
You are responsible for activity carried out using your access to the extent permitted by applicable law. Sensitive or consequential actions may require approval and are recorded in an attributable audit trail.
Website information
Information on this website is general. Product and service descriptions are illustrative and may be subject to eligibility, verification, availability, contract and applicable law.
Nothing on the website is an offer, solicitation, investment advice, legal advice, tax advice or a recommendation. Nothing guarantees that a service, transaction, opportunity, return or outcome will be available or achieved.
You should obtain independent professional advice appropriate to your circumstances before making a legal, tax, financial or investment decision.
Our role
Morency & Co. provides private trust and wealth-structuring services, private equity and private finance opportunities, and software through which services may be made available by partner institutions.
Morency & Co. is not a bank and does not accept deposits. Where payment, custody or other regulated services are offered through its software, licensed partner institutions provide them under their own terms.
Morency & Co. does not provide investment advice or manage investments. Private equity and private finance opportunities are available only to eligible persons under applicable law. Any interests are offered only by persons who are licensed or exempt where required.
Identity and compliance checks
We may verify identity and address using identity-document photographs, selfies, liveness frames and proof of address. We may also conduct sanctions and politically exposed person screening using public sanctions data.
Successful technical verification does not guarantee acceptance, eligibility or access to any service. Staff remain responsible for final decisions about clients.
Artificial intelligence
We use artificial intelligence tools to assist staff. Staff review their output, and artificial intelligence does not make final decisions about clients.
You should not treat automatically generated material as a decision, commitment or professional advice unless an authorised Morency & Co. representative confirms it through an appropriate channel.
Partner services
A partner institution’s services are governed by its own eligibility requirements, terms, notices, fees and regulatory responsibilities. Morency & Co. does not guarantee that a partner will accept an application or complete a transaction.
You should review the partner’s terms before using its service.
Contractual escrow for Umbral Alto homes
For buyer payments relating to Pernefer Group’s Umbral Alto homes in Colombia, Morency & Co. may act as contractual escrow agent under the applicable purchase contract. Its authority, duties, payment conditions and release obligations are determined by that contract.
Morency & Co. acts as contractual escrow agent and not as trustee. It does not charge a fee for this role.
Nothing on this website changes the purchase contract or authorises the receipt, release or return of money outside its terms.
Availability and security
We take measures designed to operate and safeguard the website and secure client environment. We do not promise that access will always be uninterrupted, error-free or immune from security incidents.
We may perform maintenance or make changes to protect security, comply with law or improve the service. You remain responsible for maintaining suitable devices, connectivity and security on systems under your control.
Intellectual property
The website, secure client environment and their content may contain intellectual property belonging to Morency & Co. or another rights holder. You may use them only for their intended purpose and in accordance with applicable terms.
You must not copy, modify, distribute, interfere with or attempt to obtain unauthorised access to protected content, software or systems except where applicable law expressly permits it.
Third-party content and links
Third-party websites, content and services are controlled by their respective providers. Links or access do not amount to an endorsement or a guarantee by Morency & Co.
The relevant third party is responsible for its content and services under its own terms.
Liability
Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited.
To the extent permitted by law, Morency & Co. is not liable for:
- losses caused by information that you provide which is inaccurate, incomplete or misleading;
- unauthorised use resulting from your failure to protect your credentials;
- the acts, omissions, systems or services of an independent third party;
- interruption caused by maintenance, events outside reasonable control or measures reasonably taken to protect security or comply with law; or
- indirect or consequential loss that was not reasonably foreseeable when you began using the relevant service.
Any liability relating to a specific service or transaction is also subject to the contract governing that service or transaction.
Suspension and termination
You may stop using the website at any time. Access to a client service may be suspended or ended in accordance with the applicable contract, or where reasonably necessary for security, legal compliance or protection against misuse.
Ending access does not affect rights, obligations or liabilities that arose earlier. Provisions intended by their nature to continue will remain effective.
Governing law and jurisdiction
These terms are governed by the laws of Hong Kong.
The courts of Hong Kong have non-exclusive jurisdiction over disputes arising from these terms. This does not remove any mandatory right you may have to bring a claim in another court or under the consumer law of the place where you live.
A specific service or transaction contract may provide a different governing law or dispute process for that service or transaction.
Contact
For legal questions, contact legal@morencyandco.com.
For general enquiries, contact clients@morencyandco.com.
For privacy matters, contact privacy@morencyandco.com.