條件及細則
# 條款及細則
歡迎使用本平台（下稱「本平台」）之貸款資訊及轉介服務。為保障雙方權益，請閣下在使用本服務前，細閱並同意以下條款及細則：
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## 1. 服務性質
1.1 本平台並非銀行或財務公司，僅為第三方中介，提供貸款資訊、比較及免費轉介服務。
1.2 所有貸款申請及批核程序，均由相關持牌銀行或合法財務機構負責，本平台不參與任何資金批核、批出或收款。
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## 2. 免費服務及中立性
2.1 本平台之所有轉介及諮詢服務全程免費，閣下無需支付任何費用。
2.2 本平台有機會因成功轉介而獲得銀行或財務公司之廣告費或佣金，惟所有推介均以客觀及中立原則進行，不受任何商業利益影響。
2.3 閣下可於轉介過程中任何階段選擇終止服務，無需承擔任何責任或費用。
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## 3. 客戶資料收集及私隱保護
3.1 本平台只會收集閣下提供之個人資料、財務狀況及貸款需要，僅作分析及轉介用途。
3.2 所有資料將根據《個人資料（私隱）條例》（香港法例第486章）嚴格處理及保障，絕不會用作其他商業用途、外洩或出售予第三方。
3.3 閣下有權查閱、更正或要求刪除所提供之個人資料，請以書面通知本平台。
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## 4. 服務流程及資訊參考
4.1 本平台會根據閣下提供的基本資料，優先推介合適的銀行貸款產品。如未能符合銀行要求，將會考慮轉介持牌財務公司貸款方案。
4.2 本平台提供的所有資訊及建議僅供參考，並不構成任何財務、法律、投資或其他專業意見或承諾，亦不取代專業顧問的意見。
4.3 本平台不會根據個別客戶的詳細財務狀況作出專業分析及個人化建議。如有需要，建議閣下向持牌財務顧問或相關專業人士查詢。
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## 5. 批核及風險聲明
5.1 最終貸款批核、利率、還款年期及所有條款，均由相關銀行或財務公司獨立審核及決定。本平台無法保證申請必定獲批或成功減息。
5.2 閣下應自行判斷及承擔使用本平台服務或相關資訊所帶來的風險及後果。本平台不會就任何因使用本服務而引致之損失或法律責任承擔任何責任。
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## 6. 服務終止
6.1 閣下可於任何時候要求終止使用本平台服務，無需承擔任何責任或費用。
6.2 本平台有權隨時終止服務，並保留拒絕提供服務之權利。
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## 7. 條款修訂
7.1 本平台有權隨時修訂本條款及細則，並於網站或平台公佈後即時生效。建議閣下不時查閱最新條款內容。
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## 8. 適用法律及管轄權
8.1 本條款及細則受香港特別行政區法律管轄，任何有關爭議，雙方同意以香港法院為唯一管轄法院。
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如對本條款及細則有任何疑問，歡迎隨時與我們聯絡查詢。
Terms and Conditions
# Terms and Conditions
Welcome to our platform ("the Platform"). Before using our loan information and referral services, please read and agree to the following Terms and Conditions to protect the interests of both parties:
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## 1. Nature of Service
1.1 The Platform is not a bank or financial institution. We act solely as a third-party intermediary, providing loan information, comparison, and free referral services.
1.2 All loan applications and approval processes are handled by licensed banks or legitimate financial institutions. The Platform does not participate in any fund approval, disbursement, or collection.
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## 2. Free Service & Neutrality
2.1 All consultation and referral services provided by the Platform are completely free of charge. You are not required to pay any fees at any stage.
2.2 The Platform may receive advertising fees or commissions from banks or financial institutions for successful referrals. However, all recommendations are made objectively and independently, without being influenced by any commercial interests.
2.3 You may choose to terminate the service at any point during the referral process without any obligation or charges.
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## 3. Collection and Privacy of Customer Data
3.1 The Platform only collects personal information, financial status, and loan needs provided by you for the purpose of analysis and referral.
3.2 All data will be handled and protected strictly in accordance with the Personal Data (Privacy) Ordinance (Cap. 486 of the Laws of Hong Kong). Your information will not be used for other commercial purposes, disclosed, or sold to any third parties.
3.3 You have the right to access, correct, or request the deletion of your personal data by notifying the Platform in writing.
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## 4. Service Process & Information Disclaimer
4.1 The Platform will recommend suitable bank loan products based on the basic information you provide. If you do not meet bank requirements, we may consider referring you to licensed financial institution loan options.
4.2 All information and advice provided by the Platform are for reference only and do not constitute any financial, legal, investment, or other professional advice or commitment, nor do they replace the advice of professional consultants.
4.3 The Platform will not conduct detailed financial analysis or provide personalized advice based on individual client circumstances. If necessary, please consult a licensed financial advisor or relevant professionals.
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## 5. Approval & Risk Disclaimer
5.1 Final loan approval, interest rates, repayment period, and all terms and conditions are solely determined by the relevant banks or financial institutions. The Platform does not guarantee approval or successful interest rate reduction.
5.2 You should exercise your own judgment and bear all risks and consequences arising from the use of the Platform’s services or related information. The Platform shall not be liable for any loss or legal responsibility arising from the use of this service.
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## 6. Termination of Service
6.1 You may request to terminate the use of the Platform’s services at any time without any obligation or charges.
6.2 The Platform reserves the right to terminate the service at any time and refuse to provide services.
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## 7. Amendments to Terms
7.1 The Platform reserves the right to amend these Terms and Conditions at any time. Amendments will take immediate effect upon publication on the website or platform. You are advised to review the latest terms regularly.
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## 8. Governing Law & Jurisdiction
8.1 These Terms and Conditions are governed by the laws of the Hong Kong Special Administrative Region. In the event of any dispute, both parties agree to submit to the exclusive jurisdiction of the Hong Kong courts.
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If you have any questions regarding these Terms and Conditions, please feel free to contact us.