免責聲明
重要通知
存取本網站及其任何頁面，即表示您接受以下所載條款。若您在本條款任何變更發布後繼續使用本網站，將被視為已同意該等變更。
一般條款
本網站上的資料不擬提供予位於或居住於對瑭明金融集團有限公司（「本公司」，一家持牌法團）分發此等資料設有限制的司法管轄區的人士使用。存取本網站的人士須自行留意其所在司法管轄區的適用限制。 本網站的資料不應被視為在任何會構成違法行為的司法管轄區內，或向任何會構成違法行為的人士作出要約或邀請以出售投資或相關產品或進行存款。
本文所載資訊不擬提供任何專業意見，亦不應就此倚賴。存取本網站的人士在必要時應自行尋求適當且獨立的專業意見。 本網站提供的任何資訊、產品或服務可隨時由本公司酌情決定在恕不另行通知的情況下撤回或修訂。客戶就特定資訊、產品或服務的資格，須受本公司最終及絕對酌情權所限。
確保沒有電腦病毒從本網站進入您的系統，是您個人的全部責任。
責任限制
本網站上的資訊及其內容僅供參考，並不構成交易、要約邀請、要約或邀請。投資涉及風險。投資者應注意，投資價值可跌亦可升，過往表現未必可作為未來表現的指引。在作出任何投資決定前，應尋求獨立的專業意見。本公司明文免除因使用本網站所提供的資訊而引致的任何損失（不論直接或間接）索償的任何法律責任。
風險披露
儘管編製本網站所載資訊及資料時已力求審慎，該等資訊及資料仍按「現狀」提供，且不附帶任何明示或暗示的保證或陳述。尤其是，並無就該等資訊及資料作出任何有關不侵犯第三方權利、安全性、準確性、特定用途適用性或免受電腦病毒、特洛伊木馬、蠕蟲、軟體炸彈或類似項目侵害的保證或陳述。
連結網站
使用通往其他互聯網站點或資源的超連結須自行承擔風險。該等網站上的內容、準確性、所表達的意見及其他連結，均未經本公司調查、核實、監控或認可。本公司明文免除對連結至本網站或從本網站連結出去的網站上所載資訊的準確性、內容、可用性或遺漏的任何責任。使用者須全權負責在與任何該等第三方進行任何線上或線下存取或交易前，自行作出所有查詢及調查。本公司強調，使用者透過本網站進行的所有活動均須自行承擔風險。本公司不保證使用者可能轉發或被要求向任何第三方提供的任何資訊的安全性。使用者同意並接受本條款，即被視為已不可撤銷地放棄因透過本網站及其超連結存取或與任何其他網站互動而可能蒙受任何損失或損害而向本公司提出的一切申索。
軟體許可
若本網站上提供任何軟體予您使用，本公司授予您一項非獨家、有限且個人的許可，僅可為您個人非商業用途下載及使用該軟體。除此之外，並未授予您任何其他軟體權利。軟體的所有權利（包括知識產權）均屬本公司或相關軟體的許可方或擁有人所有。除法律允許者外，您不得對軟體進行反向工程、反編譯、修改或篡改。
知識產權
本公司及其他各方擁有本網站上展示的商標及標誌，未經本公司或該等其他各方事先書面許可，禁止使用者使用該等商標及標誌。 未經本公司事先明確書面同意，不得以任何媒介為任何目的重製、分發或發布本網站上的資訊。若您從本網站下載任何資訊或軟體，即表示您同意不會複製該等資訊或軟體，亦不會移除或模糊該等資訊中所載的任何版權或其他通知或標記。
資訊
本網站可能包含資訊、報價、圖表、統計數據、匯率、新聞、研究、分析及其他資訊（「資訊」），而該等資訊或其任何部分可能由第三方提供。本公司並不就資訊的準確性、可靠性、充分性、完整性、適用性或及時性作出任何陳述、保證或擔保。對於因資訊中的任何不準確或遺漏而引起的任何損失或損害，本公司概不承擔任何責任（不論侵權、合約或其他責任）。
電子郵件
您有責任確保您的電子郵件地址能夠接收電子郵件。
a. 您應採取一切合理預防措施，以防止您的電子郵件帳戶被任何未經授權或欺詐使用，並防止任何人以未經授權或欺詐方式閱讀您的電子郵件。
b. 我們發送的電子郵件可能未經加密或保護，並可能容易被第三方攔截。您有責任確保您的密碼及任何其他個人資訊或資料保密。
c. 若您收到我們發送的電子郵件要求您提供帳戶或密碼資訊，您絕不應回覆該等電子郵件，因為我們絕不會作出此等要求。
d. 我們絕不會要求您在本公司提供的電子郵件超連結中輸入任何個人資訊或密碼。
e. 若我們發送的任何電子郵件或超連結無法閱讀，您應盡快通知我們。
f. 我們只會發送同一訊息一次。若您刪除該訊息，我們將不會重新發送。
g. 您沒有義務回覆我們發送的任何訊息。
補償
您同意就以下情況所引起或相關的任何及所有負債、損害、索償、訴訟、費用及開支（包括律師費），為本公司、我們的員工、代理人、高級職員、董事、承包商、供應商及其他代表作出辯護、補償並使其免受損害：
a. 您本人或任何其他能夠使用您的使用者名稱及／或密碼存取及／或使用本網站的人士或實體違反或不遵守本文的任何條款及條件；或
b. 您本人或任何其他能夠使用您的使用者名稱及／或密碼存取本網站的人士或實體存取及／或使用本網站。
個人資料收集及私隱政策聲明
請在向我們發送任何個人資料前閱讀以下內容。客戶不時需要向本公司提供資料，以便開立或延續帳戶、設立或延續信貸融通，或提供金融及／或其他服務。未能提供該等資料可能導致本公司無法開立或延續帳戶、設立或延續信貸融通，或提供金融或其他服務。資料可能在客戶與本公司維持業務關係的正常過程中向客戶收集。
透過電子方式（例如電子郵件、互聯網或錄音系統）向本公司提供個人資料無法保證完全安全。若使用者透過電子設備向本公司發送任何資訊，或應使用者要求本公司透過電子設備發送任何資訊，而使用者因此蒙受任何損害，本公司概不負責。客戶應注意此等風險，並謹慎地透過電子設備傳達個人資料。
除非另有說明，否則本公司不會收集可識別本網站訪客身份的任何個人資料。您瀏覽本網站時，只會記錄網域名稱伺服器、部分電子郵件地址及所瀏覽的頁面。該等資訊將用於編製有關本網站訪客人數的匯總資訊及網站使用模式的一般統計資料。
客戶資料可能被使用（無論在香港境內或境外）的目的如下：
- i. 向客戶提供的服務及信貸融通的日常運作；
- ii. 進行信用查核；
- iii. 協助其他機構進行信用查核；
- iv. 確保客戶持續的信譽；
- v. 為客戶設計金融服務或相關產品；
- vi. 推廣金融服務或相關產品；
- vii. 釐定應付或應收客戶的債務金額；
- viii. 遵守任何對本公司有約束力的法律及／或監管規定或法院命令所要求的披露；及
- ix. 與上述任何目的相關的目的。
直接促銷中使用資料：
本公司擬使用及／或轉移客戶的資料予本公司的任何關聯公司作直接促銷，且本公司為此目的需要客戶的同意（包括不反對之表示）。就此而言，請注意：
a. 本公司不時持有的客戶姓名、聯絡詳情、產品及服務組合資料、交易模式及行為、財務背景及人口統計數據，可能會被本公司用於直接促銷；
b. 可能進行促銷的服務、產品及標的類別如下：
i. 證券、商品、投資及相關服務及產品；
ii. 與上文(b)(i)節所述促銷標的類別相關的獎賞、會員或優惠計劃；及
iii. 慈善及／或非牟利目的的捐贈及捐款。
c. 若客戶不希望本公司使用及／或轉移其資料用於直接促銷，客戶可免費行使選擇退出之權利。
本公司持有有關客戶的資料將予以保密，但本公司可能將該等資訊提供給以下各方（無論在香港境內或境外）：
- i. 就營運其業務向本公司提供行政、電訊、電腦、金融、交易執行、現金、證券及／或合約結算或交收或其他服務的任何代理人、承包商或第三方服務提供者；
- ii. 對本公司負有保密責任的任何其他人士，包括已承諾保密的本公司任何集團公司；
- iii. 客戶與之已有或擬有往來的任何金融機構或交易商；
- iv. 任何信貸資料機構，以及在拖欠還款的情況下，任何債務追收機構；
- v. 本公司的任何實際或建議承讓人，或本公司就客戶的權利參與者、次參與者或受讓人；及
- vi. 法律要求或根據對本公司有約束力的任何法院命令、規則或規例，在任何司法管轄區內的任何交易所、實體、機構、監管或政府機構。在此等情況下，本公司通常負有保密義務，且無法就該等資訊的披露通知客戶或尋求其同意。
根據《個人資料（私隱）條例》（第486章）（「該條例」）的條款，個人有權：
- i. 查核本公司是否持有關於其本人的資料，並有權查閱該等資料；
- ii. 要求本公司更正任何有關其本人且不準確的資料；及
- iii. 確定本公司有關資料的政策及實務，並獲告知本公司所持有的個人資料種類。
查閱資料或更正資料，或查詢有關政策、實務及所持有資料種類的要求，應致送以下人士：
瑭明金融集團有限公司
香港干諾道中111號永安中心27樓2709-12室
電話：(852) 2295 0155
根據該條例的條款，本公司有權就處理任何查閱資料的要求收取合理費用。
除對客戶負有的保密責任外，本公司在收集、維護及使用客戶個人資料時，將始終遵守上述私隱原則及香港特別行政區的該條例。本公司可不時修訂、修改或補充本政策。
Disclaimers
Important Notice
By accessing this Website and any of its pages, you accept the terms set out below. By continuing to use this Website after any changes to these terms are posted, you will be deemed to have agreed to those changes.
General
The materials on this Website are not intended for use by persons located in, or who are residents of, jurisdictions that restrict the distribution of these materials by Topaz Financial Group Limited (the “Company”), an SFC licensed corporation. Persons accessing this Website are required to observe the applicable restrictions in their own jurisdictions. The material on this Website should not be regarded as an offer or solicitation to sell investments or related products, or to make deposits, in any jurisdiction where doing so would be unlawful or to any person to whom such offer or solicitation would be unlawful.
The information contained herein is not intended to provide any professional advice and should not be relied upon for that purpose. Persons accessing this Website are advised to obtain appropriate and independent professional advice wherever necessary.
Any information, products, or services supplied on this Website may be withdrawn or amended at any time without advance notice, as determined by the Company in its sole discretion. The eligibility of clients for particular information, products, or services is subject to the Company’s final and absolute discretion. It is your sole responsibility to prevent, safeguard against, and ensure that no computer virus enters your system from this Website.
Limitation Of Liabilities
The information on this Website and its contents are provided for information purposes only and do not constitute a transaction, a solicitation of an offer, an invitation, or an offer. Investment involves risks. Investors should note that the investment value may fall as well as rise, and past performance may not be indicative of future performance. Independent professional advice should be sought prior to making any investment decision. The Company expressly disclaims any legal liability for any claim for any loss (whether direct or indirect) arising from the use of the information provided on this Website.
Risk Disclosure
While every care has been taken in preparing the information and materials contained on this Website, such information and materials are provided to you on an “as is” basis and without any warranty or representation of any kind, whether express or implied. In particular, no warranty or representation regarding non-infringement, security, accuracy, fitness for a particular purpose, or freedom from computer viruses, Trojan horses, worms, software bombs, or similar items is given in connection with such information and materials.
Linked Websites
Use of hyperlinks to other internet sites or resources is at your own risk. The contents, accuracy, opinions expressed, and other links provided on these sites are not investigated, verified, monitored, or endorsed by the Company. The Company expressly disclaims any responsibility for the accuracy, contents, availability, or omission of information found on sites that link to or from this Website. Users are solely responsible for making all inquiries and investigations before proceeding with any online or offline access or transaction with any such third parties. The Company emphasizes that all activities conducted by users on or through this Website are at their own risk. The Company does not warrant the security of any information that users may forward or be requested to provide to any third parties. By agreeing to and accepting the terms hereof, users are deemed to have irrevocably waived all claims against the Company for any loss or damage they may suffer as a result of any access to, or interaction with, any other websites via this Website and its hyperlinks.
Software Licenses
To the extent that any software is made available or provided to you on this Website, the Company grants you a non-exclusive, limited, and personal licence to download and use the software for your own personal, non-commercial use only. No other rights to the software are granted. All rights, including intellectual property rights in the software, remain the property of the Company or the relevant licensors or owners of the software. Except as permitted by law, you may not reverse engineer, decompile, modify, or tamper with the software.
Intellectual Property
The Company and other parties own the trademarks and logos displayed on this Website, and users are prohibited from using them without the prior written permission of the Company or such other parties. The information on this Website may not be reproduced, distributed, or published in any medium for any purpose without the prior express written consent of the Company. If you download any information or software from this Website, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in such information.
Information
This Website may contain information, quotes, charts, statistics, exchange rates, news, research, analysis, and other information (“Information”), and the Information or any part thereof may be provided by third parties. The Company does not represent, warrant, or guarantee the accuracy, reliability, adequacy, completeness, suitability, or timeliness of the Information. The Company does not accept any liability (whether in tort, contract, or otherwise) for any loss or damage arising from any inaccuracies or omissions contained therein.
You are responsible for ensuring that your e-mail address is capable of receiving e-mails.
a. You should take all reasonable precautions to prevent any unauthorised or fraudulent use of your e-mail account and to prevent any person from reading your e-mail without authorisation or by fraudulent means.
b. E-mails we send may not be encrypted or protected and may be vulnerable to interception by third parties. You are responsible for ensuring that your passwords and any other personal information or data are kept confidential.
c. If you receive an e-mail from us that requests your account or password information, you should never reply to such an e-mail, as we will never make such a request.
d. We will never require you to enter any personal information or passwords in the hyperlinks provided in our e-mails.
e. If any e-mail or hyperlink sent by us is unreadable, you should notify us as soon as possible.
f. We will send the same message only once. If you delete the message, we will not resend it.
g. You are not obliged to reply to any message sent by us.
Indemnity
You agree to indemnify and hold the Company, our employees, agents, officers, directors, contractors, suppliers, and other representatives harmless from and against all liabilities, damages, claims, actions, costs, and expenses (including legal fees) arising from or in connection with:
a. your breach or non-observance of any of the terms and conditions herein, whether by yourself or any other person or entity that was able to access and/or use this Website using your username and/or password; or
b. your access to and/or use of this Website, or any other person or entity’s access to and/or use of this Website using your username and/or password.
Personal Information Collection and Privacy Policy Statements
Please read the following before you send us any Personal Data. From time to time, it is necessary for customers to supply the Company with data in connection with the opening or continuation of accounts, the establishment or continuation of credit facilities, or the provision of financial and/or other services. Failure to supply such data may result in the Company being unable to open or continue accounts, establish or continue credit facilities, or provide financial or other services. Data may be collected from customers in the ordinary course of the continuation of the business relationship between customers and the Company.
Providing personal information to the Company through electronic means (such as e-mail, the internet, or voice recording systems) cannot be guaranteed to be completely secure. The Company will not be responsible for any damage suffered by users if they send any information to the Company through electronic devices, or if the Company sends any information through electronic devices at the user’s request. Customers should be aware of such risks and communicate personal information through electronic devices with caution.
The Company will not collect any personal information that identifies a visitor to this Website unless otherwise specified. Your visit to this Website will record only the Domain Name Server, part of your e-mail address, and the pages visited. Such information will be used to prepare aggregate information about the number of visitors to the Website and general statistics on usage patterns of the Website.
The purposes for which data relating to customers may be used (whether within or outside Hong Kong) are as follows:
- i. the daily operation of the services and credit facilities provided to customers;
- ii. conducting credit checks;
- iii. assisting other institutions in conducting credit checks;
- iv. ensuring the ongoing creditworthiness of customers;
- v. designing financial services or related products for customers' use;
- vi. marketing financial services or related products;
- vii. determining the amount of indebtedness owed to or by customers;
- viii. meeting the requirements to make disclosure under any legal and/or regulatory requirements or court orders binding on the Company; and
- ix. purposes relating to any of the above.
Use of Data in Direct Marketing:
The Company intends to use and/or transfer the Customer's data to any related companies of the Company for direct marketing, and the Company requires the consent (which includes an indication of no objection) of the Customer for that purpose. In this connection, please note that:
a. Your name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background, and demographic data held by the Company from time to time may be used by the Company in direct marketing;
b. The following classes of services, products, and subjects may be marketed:
i. securities, commodities, investment, and related services and products;
ii. reward, loyalty, or privileges programmes relating to the class of marketing subjects referred to in clause b(i) above; and
iii. donations and contributions for charitable and/or non-profit-making purposes.
c. If a Customer does not wish the Company to use and/or transfer the Customer's data for use in direct marketing, the Customer may, without charge, exercise the right to opt out.
Data held by the Company relating to a customer will be kept confidential, but the Company may provide such information to the following parties (whether within or outside Hong Kong):
- i. any agent, contractor, or third-party service provider who provides administrative, telecommunications, computer, financial, trade execution, cash, securities and/or contracts clearing or settlement, or other services to the Company in connection with the operation of its business;
- ii. any other person under a duty of confidentiality to the Company, including any group company of the Company that has undertaken to keep such information confidential;
- iii. any financial institution or dealer with which the customer has or proposes to have dealings;
- iv. any credit reference agency and, in the event of default, any debt collection agency;
- v. any actual or proposed assignee of the Company or participant, sub-participant, or transferee of the rights of the Company in respect of the customer; and
- vi. any exchange, entity, agency, regulatory or government body in any jurisdiction if required by law or pursuant to any court orders, rules, or regulations to which the Company is subject. In such cases, the Company is usually under a duty of secrecy and will not be able to notify a customer or seek his or her consent in relation to such release of information.
Under and in accordance with the terms of the Personal Data (Privacy) Ordinance (Cap. 486) (the “Ordinance”), an individual has the right to:
- i. check whether the Company holds data about him or her and to access such data;
- ii. require the Company to correct any data relating to him or her that is inaccurate; and
- iii. ascertain the Company's policies and practices in relation to data and to be informed of the kind of personal data held by the Company.
The person to whom requests for access to data or correction of data or for information regarding policies and practices and kinds of data held are to be addressed is as follows:
Topaz Financial Group Limited
Rooms 2709-12, 27/F, Wing On Centre, 111 Connaught Road Central, Hong Kong
Tel: (852) 2295 0155
In accordance with the terms of the Ordinance, the Company has the right to charge a reasonable fee for the processing of any data access request. In addition to the Company's duty of confidentiality to customers, the Company shall at all times observe the above privacy principles and the Ordinance of the Hong Kong SAR in collecting, maintaining, and using the personal data of customers. This Policy may be revised, amended, or supplemented from time to time by the Company.