This annual report contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended (or the “Exchange Act”) that involve substantial risks and uncertainties. All statements other than statements of historical facts contained in this annual report, including statements regarding our future financial position, business strategy and plans and objectives of management for future operations, are forward-looking statements. In some cases, you can identify forward-looking statements by terminology such as “may,” “will,” “should,” “expect,” “plan,” “anticipate,” “could,” “intend,” “target,” “project,” “contemplate,” “believe,” “estimate,” “predict,” “potential” or “continue” or the negative of these terms or other similar expressions. Forward-looking statements include, without limitation, our expectations concerning the outlook for our business, productivity, plans and goals for future operational improvements and capital investments, operational performance, future market conditions or economic performance and developments in the capital and credit markets and expected future financial performance, as well as any information concerning our possible or assumed future results of operations as set forth in this annual report.
| ● | the outcome of any legal proceedings that have been or may be instituted against us; |
| ● | the ability to maintain the listing of the Class A Ordinary Shares on Nasdaq; |
| ● | our ability to compete effectively in the markets in which we operate; |
| ● | our relationships with insurance carriers, referral partners and consumers; |
| ● | failure to maintain and enhance our brand; |
| ● | failure to prevent security breaches or unauthorized access to our or our third-party service providers’ data; |
| ● | risks related to our corporate structure, in particular the VIE structure; and |
| ● | the other matters described in the section titled “Item 3. Key Information – D. Risk Factors.” |
Market, ranking and industry data used throughout this annual report, including statements regarding market size, is based on independent industry surveys and publications, including reports by iResearch Inc. These data involve a number of assumptions and limitations, and you are cautioned not to give undue weight to such estimates. While we are not aware of any misstatements regarding the industry data presented herein, such estimates involve risks and uncertainties and are subject to change based on various factors, including those discussed under the headings “Item 3. Key Information – D. Risk Factors” and “Item 5. Operating and Financial Review and Prospects” in this annual report.
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