【尋味】台茶瘋潮繼續吹

春水堂的珍珠奶茶($27)始創於三十一年前,當時台中四維店店長在奶茶中加入粉圓,創出珍珠奶茶。

各路台茶襲港
以為台茶熱潮在入秋後會稍歇,誰不知九月後高手陸續登場。繼珍珠奶茶始創店春水堂隨高鐵進駐西九後,在國內大熱的網紅茶飲,能指點迷津的答案茶亦登陸香港,就連以拌麵起家的KiKi都加入香港的台茶大軍,首推特色珍珠茶飲。看來近月熱爆的茶飲潮流非但未有降溫,更激烈的瘋潮還在後頭。

元祖珍奶
台茶熱潮一浪接一浪,元祖級珍珠奶茶店春水堂登陸香港開設分店,選址西九龍高鐵站,暫時只提供茶飲,稍後更會加入多款台式小食和便當。源自台中的春水堂成立於1983年,透過Shaker調製茶飲,創出手搖冷飲茶,三十一年前再創出風靡全球的珍珠奶茶。首間香港分店只設外賣,廿四款飲品包括番茄蜜凍飲、紅豆鮮奶茶、愛玉檸檬綠茶、珍珠鐵觀音奶茶等。為確保香港店與台灣店的味道和品質一致,店內所用的茶葉、食材都經春水堂在台灣精心細選,茶飲中的蔗糖產自台灣甘蔗園,再於台灣熬製成高純度的天然焦糖。珍珠更貫徹台灣古早味,沿用超過三十年不變的秘方,以純天然樹薯粉作材料,不含防腐劑,在台灣製成後急凍抵港,到調茶的時候才烹煮,確保新鮮和Q彈口感。香港店的調茶師和廚師都曾往台中的春水堂訓練中心接受為期一個月的密集式培訓,力求保持正宗的台灣風味。


首間分店只設外賣,共提供二十多款茶飲,稍後將加入輕便小食。


為確保出品品質一致,開店前,香港的調茶師及廚師都要到台中春水堂訓練中心接受培訓。



除高鐵西九龍站分店外,春水堂將於今年年底在港開設兩間主題概念店「春水堂人文茶館」。

春水堂 地址:尖沙咀柯士甸道西3號香港西九龍站售票大堂 B1–5號舖

飲茶問卜
在抖音爆紅的話題作「答案茶」,是一杯可以求籤問卜的奶茶。只要在杯套上寫下問題,然後在心中默念,揭開茶蓋後問題的答案就會浮現在茶面上。背後所用的技術是研發兩年的答案生成器和SaaS系統,其原理和Siri相似,通過圖像識別技術掃描杯套上的手寫字,透過關鍵字在答案庫中搜尋可相配的答案,再用3D列印技術把答案字印在奶泡上。這種充滿玩味的茶飲恍似能點迷津,自年初推出以來極速成為網紅,不但分店遍佈全國,最近更於香港開業。噱頭以外,茶的質素亦不容忽視,五大系列分別是芝士奶蓋、芝芝、抹茶、水果茶,以及蝶豆花/汽泡水系列,於國內大受歡迎的芝士奶蓋烏龍茶系列率先在港登場,奶蓋芝士味濃,茶味甘醇順滑。


答案茶熱爆抖音視頻,播放數量超過5,500萬。


芝士奶蓋烏龍茶系列($26)茶味清新甘潤,與芝士奶蓋的香濃芝士味道意外地匹配。


先在杯套上寫下問題,然後在心中默念數遍,揭開茶蓋後答案就會浮現於茶面上。



香港首間答案茶位於深水埗南昌中心。

答案茶 地址:深水埗南昌街89號南昌中心地下12號A舖

特色珍珠茶
主打亞洲美食的「茶.米」,除了供應精緻版的粥粉麵飯和素食套餐外,更與台灣KiKi合作推出台式茶飲KiKi茶。首次登場的KiKi茶主打台灣天然茶飲,選用來自台灣的茶葉、黑糖及蔗糖,並於餐廳引入全港第一部美國BKON真空萃取泡茶機,藉着其先進萃取技術,不用兩分鐘便可以根據不同水溫,經過兩次抽真空,萃取不同濃度和味道的茶。KiKi茶團隊曾接受台灣調茶師培訓,精通沖茶技巧,三款自家手作的特色味道珍珠分別是川味珍珠、夏枯草珍珠及芋頭珍珠,每日限量發售。外賣餐牌共有十六款以上茶飲選擇,堂食則供應五款人氣之選,包括金鑽鳳梨青茶($38)、雪絨川味珍珠冬瓜茶($36)、夏枯草珍珠茉莉綠($30)、堅果奶蓋KiKi烤茶($34)及黑糖珍珠鮮奶($32)。


金鑽鳳梨青茶


夏枯草珍珠茉莉綠


黑糖珍珠鮮奶



雪絨川味珍珠冬瓜茶

茶.米
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電話:2117 5903
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    (xi) download or make use of any of the Service, Software, Content, applications or other materials: (a) in any device and promote, sell, circulate or distribute such device in the market, or (b) for any commercial purpose or usage, or (c) for purposes other than private viewing on your personal, authorized device.

    (xii) use any device or apparatus which may be harmful to our network or third party's equipment. In which case, you shall immediate cease the connection of such device or apparatus; or

    (xiii) permit any minors from viewing those Content and/or use any part of the Service which is not suitable for viewing by minors;

    2.4 You agree to:
    (i) abide by all applicable laws, this Agreement and any other operating and/or usage rules applicable to our Service, Site and the Content, as amended from time to time;

    (ii) use our Site, our Service and/or the Content in a manner which does not infringe the rights of, or restrict or inhibit the use and enjoyment of our Service by any third party;

    (iii) be responsible for any costs you incur to access the Service and internet connection; and

    (iv) abide by all relevant laws of Hong Kong and any operating and/or usage rules, as amended from time to time.

    3. Personal Data Collection 3.1 We will apply and comply with the laws and principles of the Personal Data (Privacy) Ordinance (Cap 486) ("Ordinance") of the Laws of Hong Kong Special Administrative Region of China ("Hong Kong") when processing your personal information. We may also collect your personal information subject to our Personal Data Collection Statement. Please refer to the terms and conditions of our Personal Data Collection Statement (PICS) as set out on http://www.tvbweekly.com. We reserve the right to modify and/or update our Personal Data Collection Statement at any time and post the modified version on our Site. Your use of the Service following the posting of such change to the Personal Data Collection Statement will constitute your acceptance of any such changes.

    3.2 You represent that all personal information provided by you are accurate and updated. You can correct factual errors in your personal information by sending us a request that credibly shows error by email to mkt@tvbwkly.com. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access to making corrections. Your personal information will be maintained securely in our system. Only authorized person(s) will be permitted to access such personal information.

    3.3 You agree that we may collect and use technical data and related information including UUID, technical information about your computer, device, system and application software that is gathered periodically to facilitate the provision of software updates, product support, personalize the contents and marketing, and other services (if any) to you related to the Service.

    3.4 You understand that by using the Service, you consent and agree to our collection and use of the Internet Protocol ("IP") address information and other related information for geo filtering purpose.

    Intellectual Property Rights & License 4.1 The Service is derived in whole or in part from materials supplied by us and/or other licensed sources, and are protected by all relevant intellectual property laws (including copyright and trade mark laws). All rights in the content of the Service and/or Software are owned or controlled by us or our respective licensors.

    4.2 Our names, images, logos and those of third parties and their products and services are our proprietary marks and such third parties respectively.

    4.3 We hereby grant to you a non-exclusive and non-transferable license for you to store, run and use the Software on your personal computer or viewing device for your accessing of the Service subject to and in accordance with the terms in this Agreement and any software license of the Software but not further or otherwise.

    4.4 You agree and acknowledge that:

    (i) we own and retain all rights to our Service, our Site and/or the Software and the Content. All trademarks, service marks and logos (“Marks”) on our Service, our Site and/or the Software are owned by or licensed to us.

    (ii) you acknowledge that our Service, our Site, the Content, the Marks, and/or the Software are protected by copyright, trademark laws, and other Intellectual property right laws, and you further agree that you are being granted with a revocable, non-exclusive, non-transferrable, limited license, without right of sublicense, to access and use our Service, our Site, the Content and/or the Software contained therein in compliance with this Agreement.

    (iii) nothing you do on or in relation to our Service, our Site, the Content, the Software, the materials contained therein will transfer any intellectual property rights to you or license you to exercise any intellectual property rights unless expressly stated by us.

    (iv) we expressly reserve the right to take action against you in the event that you infringe any of our intellectual property rights or other rights of any person.

    (v) the provisions in this clause 4 shall survive the expiry or any termination of the Agreement and/or your use of the Service.

    5. Suspension and Termination 5.1 We may at any time, without notice or liability to you, suspend, limit or terminate or refuse your access to any part or all of our Services, temporarily or permanently:

    (i) if, in our sole discretion, you fail, or we suspect that you fail or are unable, to comply with (or acted in a manner indicating that you do not intend to or are unable to comply with) any of the provisions of this Agreement;

    (ii) if we are legally required to do so by law;

    (iii) if continuation is likely to be no longer commercially viable; or

    (iv) if we believe that such action is appropriate due to your improper use of the Service or breach of any term of this Agreement

    5.2 During suspension of your access to any part or all of our Services (a) any rights we have in respect of your obligations under this Agreement which are not fulfilled by you shall continue to exist and binding; and that (b) your access to our Site, our Service, Content and Software, and that all licenses, rights and privileges granted to you under these T&C shall cease.

    5.3 Upon termination of your user registration or account (where applicable), all access to the Service, Contents and Software and that all licenses, rights and privileges granted to you under this Agreement shall cease.

    5.4 Any termination for whatever reason of this Agreement shall not affect any of our accrued rights and interest nor shall it affect the coming into force or the continuance in force of any provision contained in this Agreement which is expressly or by implication intended to come into or continue in force on or after such termination.

    6. Our Rights 6.1 We may at any time without notice:

    (i) expand, reduce and/or modify the whole or any part of our Service or our Site;

    (ii) carry out system maintenance, upgrading, testing and/or repairs;

    (iii) deactivate the whole or any part of our Service or our Site to carry out system maintenance, upgrading, testing and/or repairs;

    (iv) employ and/or install Software in your personal computer or other personal viewing devices for the purposes of detecting any downloading, copying, storing, distribution, sharing or re-direction of any Content from the Service in any way or through any media and/or for your access to the Service from time to time; and/or

    (v) terminate, limit or suspend your access to any part or all of our Service according to clause 5 above.

    7. Third Party Materials 7.1 Our Service or our Site may contain materials from third parties and/or hyperlinks to third party websites. Your use of third parties’ websites and/or materials linked to our Service may be governed by additional or different terms and conditions. Those additional terms and conditions of such web pages and applications will apply to you in addition to these T&C and will prevail over these T&C if there is any inconsistency regarding your use of those web pages and/or applications.

    7.2 We make no representation about, and we do not endorse and could not control the reliability or performance of any software, materials, applications, media platforms, devices or services of third parties (e.g. our information suppliers or advertisers or sponsors or promotional partners) that you may access through, or are linked to or embedded in our Service. You agree that any use of such software, materials, applications, media platforms, devices or services will be at your own risks. You expressly relieve us from any and all liability arising from your use or access of any third party website or materials. 7.3 We have no control over any third party websites linked to our Service or our Site and we are not responsible for the content or accuracy of any off-site pages or any other third party websites linked to our Service or our Site (including without limitation sites linked through advertisements). Some links which appear on our Service or our Site are automatically generated, and may be offensive or inappropriate to some people.

    7.4 The inclusion of any link does not imply that we endorse the linked site, and you agree to access those links at your own risk. We are not responsible or liable in any way for any loss or damage of any sort incurred or allege to have incurred, either directly or indirectly, as the result of your reliance, use, dealings of or as the result of the presence of such links and advertisements on our Service or our Site.

    7.5 This clause 7 will survive the termination or expiry of this Agreement and/or your use of the Service.

    8. Disclaimer of Any Warranties and Limitation of Liabilities 8.1 Our Service and all materials delivered to you through our Service are provided “AS IS” and on an “IS AVAILABLE” basis without any representation or endorsement made by us and without our warranty of any kind whether express or implied, including but not limited to the expressed or implied warranties of merchantability, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. You expressly agree that your use of our Site, our Service, the Software and/or the Content and/or content obtained through your use of the foregoing are at your own discretion and risk and that you will be solely responsible for any damage arising therefrom.

    8.2 Our Service is provided subject to these T&C and we shall not be liable for:

    (i) the timeliness, deletion, non-delivery, errors, interruptions in the transmission or failure of the provision of any services under our Service; or

    (ii) your inability to gain access in whole or in part to our Service due to the delay or failure of any communication networks or any party providing such access.

    8.3 We do not warrant that the functions or material contained in the Service will be uninterrupted or error free, that defects will be corrected, or that the Service or the software or the device or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy, reliability of the materials.

    8.4 We will not be liable to you or any other third parties, including users of our Service (whether authorized or not), for any failure or delay in accessing our Service or any part thereof (whether due to the reliability and stability of your Internet connection and its speed and bandwidth, or otherwise) and/or the consequences or effects on your mobile network, internet connection, their speed and/or bandwidth that may be caused by our Service.

    8.5 To the fullest extent permitted by applicable law, we and the providers of our Site, our Service, the Software and/or the Content disclaim all representations and warranties of all kind, whether expressly or implied, including but not limited to the title, fitness for a particular purpose, merchantability, non-infringement, accuracy or standard of quality of our Site, our Service, the Software and/or the Content, that our Service or your access to or use of our Service will be uninterrupted or error free, free of viruses, malicious code or other harmful components or otherwise secure, that defects will be corrected, that our Service or the software or the device or the server that makes our Service available are free of viruses or bugs, or that the materials provided through our Service are functional, accurate, reliable. We further disclaim any representation or warranty that our Site, our Service, the Software and/or the Content will meet your requirements.

    8.6 You agree and acknowledge that:

    (i) certain content or service that is accessible through one viewing device may not be accessible through other viewing devices for various reasons (such as limitations or restrictions from third party), and we are not liable for such inaccessibility;

    (ii) In no event shall we be liable for any damages, whether direct or indirect, or consequential damages, whether in action of contract, negligence, or other tortuous action, arising out of or in connection with your use or omissions, or conducts of any party in connection with or related to your use of the Service that materials in the Service are appropriate or available for use outside Hong Kong. Those who choose to access the Service from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent applicable.

    8.7 To the fullest extent permitted by applicable law, we are not liable to you or any other third party (including users of our Service, whether authorized or not) for the following:

    (i) any damage to or loss of data and/or the consequences or effects on your Internet connection, its spend and/or bandwidth, arising from your use of our Site, our Service, the Software and/or any Content;

    (ii) any claim based on contract, tort, or otherwise or any loss of revenue (whether direct or indirect), loss of profits or any damages, whether direct or indirect, consequential or incidental, whether of an economic nature or not, whether in action of contract, negligence, or other tortuous action, whether arising out of or in connection with your use or omissions, or conducts of any party in connection with or related to your use of our Service;

    (iii) any claim relating to any part of our Site, our Service Software and/or Content supplied, provided, sold or made available by or through our Service (or any failure or delay to so supply, provide, sell or make available);

    (iv) any injury, disease, seizure or loss of consciousness suffered by you, arising whether directly or indirectly from accessing and using our Site, our Service, the Software and/or the Content;

    (v) any disruption, suspension, delay, failure or discontinuation of our Site, our Service or our Service capacity, the Software and/or Content or any part thereof which is attributable to (i) an event or circumstance beyond our reasonable control; (ii) our system maintenance, upgrading, testing and/or repairs, (iii) the reliability and stability of your Internet connection and its speed, its bandwidth, its system and services and (vi) any other third party’s software or services; and/or

    (vi) any infringement of any intellectual property rights arising from your use of our Site, our Service, the Software, or the Content.

    8.8 For the avoidance of doubt, nothing in this clause 8 seeks to exclude any liability arising from any fraudulent act or omission on our part.

    8.9 The provisions in this clause 9 shall survive the expiry or any termination of the Agreement and/or your use of the Service

    9. Indemnification 9.1 You agree to indemnify and hold us harmless from any claim, costs or demand, (including reasonable attorney fees) made by a third party, relating to or arising from:
    (i) any violation by you of this Agreement;

    (ii) your use of our Site, our Service, the Software and/or the Content;

    (iii) the information you provided;

    (iv) any and all usage of your membership, whether or not such usage is expressly authorized by you;

    (v) in connection with any dealings with you through our Service;

    (vi) your violation of any rights of another, and under which such third party demands from you any compensation, fees or damages (including reasonable attorney fees); and/or

    (vii) the personal information submitted by you.

    9.2 This clause 9 will survive the termination or expiry of this Agreement and/or your use of the Service.

    10 Force Majeure 10.1 We will not be liable to you by reason of any failure or delay in the performance of our obligations hereunder on account of events beyond our reasonable control, which may include, without limitation, strikes, material shortages, riots, fires, flood, storm, acts of God, war, terrorism, governmental action, labour conditions, earthquakes, failure of the Internet or extraordinary connectivity issues experienced by telecommunications providers. Upon the occurrence of a Force Majeure event, we are not obliged to performance of our obligations for so long as the Force Majeure event continues, and for such further period of time that we may reasonably require to recover from the effects of such Force Majeure event.

    11 Ability to accept these T&C 11.1 You affirm that you are either 18 years old or above, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these T&C, and to abide by and bound by these T&C.

    11.2 You acknowledge that we have given you a reasonable opportunity to review these T&C and that you have agreed to them.

    12 Others 12.1 Nothing in this Agreement, whether express or implied, is intended to or shall confer any rights, benefits, or remedies of any nature whatsoever under or by reasons of this Agreement or the Contracts (Rights of Third Parties) Ordinance (Cap 623) on any persons other than the user and our company and their respective successors and assigns.

    12.2 If any provision of this Agreement becomes or is held to be illegal, invalid or unenforceable for any reason, such term or condition shall be divisible from this Agreement and shall be deemed to be deleted from the Agreement and the remaining provisions will remain in full force and effect to the maximum extent permitted by law.

    12.3 The failure of our enforcement of any right or provision of this Agreement will not be deemed a waiver of such right or provision.

    12.4 We may appoint agents, assign or sub-contract the whole or any part of our rights and/or obligations contained in this Agreement to any person or entity at any time. You shall not assign, transfer, convey or otherwise dispose of any of your rights, obligations and/or liabilities under this Agreement to any person or entity without our prior written consent.

    13 Notices 13.1 All notices and other communications hereunder to us shall be in writing or by email to mkt@tvbwkly.com and shall be deemed to have been duly given:

    (i) when delivered if delivered by hand or courier during our normal business hours (i.e. Monday to Friday (and not being a bank holiday) between the hours of 9am and 5pm or the next business day if delivered outside such business hours;

    (ii) when sent if transmitted successfully by fax or email (receipt confirmed) during our normal business hours (i.e. Monday to Friday (and not being a bank holiday) between the hours of 9am and 5pm) or the next business day if sent outside such business hours; or

    (iii) on the third business day following posting, if posted by certified or registered mail, postage prepaid to our registered office or such other address as shall be specified by us from time to time.

    13.2 All notices and other communications hereunder which we give to you will be in such form and manner as we deem it is appropriate and it shall be deemed to have been duly given when sent, if transmitted by electronic mail, mobile short message (SMS), WhatsApp or facsimile transmission; on the day on our Site, or on the third business day following posting, if posted to your address last notified to us.

    14 This Agreement, Interpretation and Modification 14.1 We have the sole discretion to interpret and determine these T&C.

    14.2 We have the right to modify the T & C posted without prior notice. Please keep yourself updated by regularly viewing the Service. Your use of the Service following the posting of any changes to the T & C will constitute your acceptance of such changes.

    14.3 If there is any conflict between the T & C and rules and specific terms of use appearing on the Service relating to specific material then the latter shall prevail.

    14.4 This Agreement and these & C shall be governed by and construed in accordance with the laws of Hong Kong. Disputes arising therefrom shall be exclusively subject to the jurisdiction of the courts of Hong Kong.

    14.5 If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail.
    Disclaimer of Any Warranties and Limitation of Liabilities

    1. Our website and all materials and contents available or delivered to you via this Website and/or other media platforms programs and/or applications of TVB Publications Limited (collectively the " Service") are provided “AS IS” and on an “IS AVAILABLE” basis without any representation or endorsement made by us and without our warranty of any kind whether express or implied, including but not limited to the expressed or implied warranties of merchantability, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. You expressly agree that your use of our Service (or any part of it) and/or content obtained through your use of the foregoing are at your own discretion and risk and that you will be solely responsible for any damage arising therefrom.

    2. Our Service is provided subject to the Terms of Use of this Site (“T&C”) and we shall not be liable for:

    (i) the timeliness, deletion, non-delivery, errors, interruptions in the transmission or failure of the provision of any services under our Service; or
    (ii) your inability to gain access in whole or in part to our Service due to the delay or failure of any communication networks or any party providing such access.

    3. We do not warrant that the functions or material contained in the Service will be uninterrupted or error free, that defects will be corrected, or that the Service or the software or the device or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy, reliability of the materials.

    4. We will not be liable to you or any other third parties, including users of our Service (whether authorized or not), for any failure or delay in accessing our Service or any part thereof (whether due to the reliability and stability of your Internet connection and its speed and bandwidth, or otherwise) and/or the consequences or effects on your mobile network, internet connection, their speed and/or bandwidth that may be caused by our Service.

    5. To the fullest extent permitted by applicable law, we and the providers of our site, our Service, the and/or the content thereon or therein, hereby disclaim all representations and warranties of all kind (if any), whether expressly or implied, including but not limited to the title, fitness for a particular purpose, merchantability, non-infringement, accuracy or standard of quality of our Site, our Service, and/or the content thereon or therein, that our Service or your access to or use of our any part of the Service will be uninterrupted or error free, free of viruses, malicious code or other harmful components or otherwise secure, that defects will be corrected, that our Service or the device or the server that makes our Service available are free of viruses or bugs, or that the materials provided through our Service are functional, accurate, reliable. We further disclaim any representation or warranty that our Site, our Service, and/or the Content will meet your requirements.

    6. You agree and acknowledge that:

    (i) certain content or service that is accessible through one viewing device may not be accessible through other viewing devices for various reasons (such as limitations or restrictions from third party), and we are not liable for such inaccessibility;
    (ii) In no event shall we be liable for any damages, whether direct or indirect, or consequential damages, whether in action of contract, negligence, or other tortuous action, arising out of or in connection with your use or omissions, or conducts of any party in connection with or related to your use of the Service that materials in the Service are appropriate or available for use outside Hong Kong. Those who choose to access the Service from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent applicable.

    7. To the fullest extent permitted by applicable law, we are not liable to you or any other third party (including users of our Service, whether authorized or not) for the following:

    (i) any damage to or loss of data and/or the consequences or effects on your Internet connection, its spend and/or bandwidth, arising from your use of our Site, our Service, and/or any Content;
    (ii) any claim based on contract, tort, or otherwise or any loss of revenue (whether direct or indirect), loss of profits or any damages, whether direct or indirect, consequential or incidental, whether of an economic nature or not, whether in action of contract, negligence, or other tortuous action, whether arising out of or in connection with your use or omissions, or conducts of any party in connection with or related to your use of our Service;
    (iii) any claim relating to any part of our Site, our Service software and/or Content supplied, provided, sold or made available by or through our Service (or any failure or delay to so supply, provide, sell or make available);
    (iv) any injury, disease, seizure or loss of consciousness suffered by you, arising whether directly or indirectly from accessing and using our Site, our Service, and/or the Content;
    (v) any disruption, suspension, delay, failure or discontinuation of our Site, our Service or our Service capacity, and/or Content or any part thereof which is attributable to(i) an event or circumstance beyond our reasonable control;
    (ii) our system maintenance, upgrading, testing and/or repairs,(iii) the reliability and stability of your Internet connection and its speed, its bandwidth, its system and services and (vi) any other third party’s software or services; and/or (v) any infringement of any intellectual property rights arising from your use of our Site, our Service, or the Content.

    8. For the avoidance of doubt, nothing in this Disclaimer seeks to exclude any liability arising from any fraudulent act or omission on our part.

    Last updated 24 September 2018