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香港海關授權貴金屬和寶石交易商註冊號碼DPMS Registration No：A-B-25-01-08618
DISCLAIMER 免責聲明
1. Definitions
1.1 In these Disclaimers, unless the context requires otherwise:
"UNIVESTA" refers to UNIVESTA HK LIMITED, its subsidiaries, and affiliates (hereinafter collectively referred to as "UNIVESTA" or "we" in these Disclaimers & Terms of Use and on our Website(s)).
2. Disclaimers
2.1 Accuracy of Information
Information on UNIVESTA’s website(s) ("Website") is provided in good faith from sources believed reliable. However, UNIVESTA makes no express or implied warranties regarding its accuracy, validity, adequacy, timeliness, sequence, or completeness.
2.2 Electronic Communication Risks
The Internet and electronic media (including but not limited to the Website, devices, third-party telecom services, mobile/handheld trading devices, or voice response systems) are inherently unreliable communication channels beyond UNIVESTA’s control. Such unreliability may cause:
• Failure/delay in transmission of communications or information;
• Loss or breach of confidentiality;
• Disruption to Website functions or data integrity.
UNIVESTA bears no liability for any loss, damage, cost, claim, or expense arising from these limitations or other uncontrollable factors (e.g., communication breakdowns), even if notified in advance.
2.3 No Advice or Recommendation
Website content does not constitute financial, investment, or professional advice. You must not rely on this information for decision-making.
2.4 Quotes Non-Binding
All quotes or valuations displayed on the Website are for informational purposes only and do not constitute a commitment by UNIVESTA.
2.5 Limitation of Liability
UNIVESTA expressly disclaims all warranties (including merchantability, fitness for purpose, security, non-infringement, or virus-free operation) and liability for any loss arising from:
• Use of or reliance on Website information;
• Inability to access/use the Website or its functions;
• Any breach of security.
This applies even if UNIVESTA has been notified of potential risks.
2.6 Third-Party Services
You may subscribe to third-party services via our Website. Such services are governed solely by your agreement with the provider. UNIVESTA:
• Does not endorse, approve, or control third-party services/content;
• Is not a party to any third-party agreements;
• Bears no liability for acts/omissions of third parties or related damages.
2.7 Software Licensing
Software required for Website use may be subject to license terms. You are solely responsible for compliance. UNIVESTA accepts no liability arising from your download, installation, or use of such software.
2.8 Modification Rights
UNIVESTA reserves the right, at its sole discretion and without prior notice or justification, to:
• Modify Website content, structure, or functionality;
• Restrict your access to the Website.
No liability shall arise from such actions.
重要提示
若閣下進入本網站或其任何頁面，即表示閣下同意、認可及確認受下列條款約束：
• 1. 釋義
1.1 除文義另有指定外：
「UNIVESTA」指 UNIVESTA HK LIMITED（注册地址：香港九龍紅磡崇安街18號半島廣場17樓1712室）。
• 2. 免責聲明
2.1 網站資訊雖以真誠提供並源自可靠來源，UNIVESTA 不聲明或保證其準確性、有效性、時效性或完整性。
2.2 互聯網及電子媒介存有固有風險（如通訊延誤、數據丟失），UNIVESTA 概不承擔由此產生之任何損失或責任。
2.3 網站資訊不構成 UNIVESTA 的建議或承諾，閣下不應依賴此等資訊。
2.4 所有報價僅供參考，不具要約效力。
2.5 UNIVESTA 不保證網站免受病毒侵擾或功能無誤，亦不承擔因使用/無法使用網站所致責任。
2.6 第三方服務由該供應商全權負責，UNIVESTA 不認可、不參與相關協議，概不承擔責任。
2.7 使用網站所需軟件須遵守許可協議，UNIVESTA 對用戶違約行為概不負責。
2.8 UNIVESTA 保留隨時修改網站內容或限制訪問之權利，無須事先通知。
Privacy Policy 隱私政策
A. Personal Information Collection & Privacy Policy
Please read this policy before submitting any Personal Data:
1. Definitions
1.1 In this Policy:
• "Personal Data" means data defined under Hong Kong's Personal Data (Privacy) Ordinance (Cap. 486).
• "UNIVESTA" refers to UNIVESTA HK LIMITED and its subsidiaries.
2. Internet Transmission Risks
Communications sent electronically (e.g., email) are not inherently secure. UNIVESTA does not warrant the absolute security of such transmissions and accepts no liability for damages arising from interception, delays, or data loss during transmission
.
3. Purposes of Data Collection & Use
By providing Personal Data, you consent to its use for:
• 3.1 Service Operations: Processing applications and managing services for clients/non-clients (including guarantors).
• 3.2 Relationship Management: Client rewards programs, seminars, or events.
• 3.3 Credit Assessment: Maintaining credit records of clients/guarantors.
• 3.4 Product Development: Enhancing existing or designing new financial services/products (including financial advice).
• 3.5 Direct Marketing: Promoting financial services/products only with prior explicit consent.
• 3.6 Debt Management: Calculating or recovering outstanding amounts.
• 3.7 Legal Compliance: Disclosures required by courts, regulators, or applicable laws.
• 3.8 Business Transactions: Due diligence during mergers, acquisitions, or restructuring.
• 3.9 Legal Proceedings: Defense or participation in legal/administrative actions.
• 3.10 Ancillary Purposes: Legitimate activities related to the above.
4. Data Recipient Categories
UNIVESTA may share data with:
• 4.1 Service Providers: Agents/contractors supporting operations (e.g., IT, payment processing).
• 4.2 Affiliates: Subsidiaries or branches worldwide.
• 4.3 Financial Institutions: Entities involved in client transactions.
• 4.4 Legal/Regulatory Bodies: Courts, government agencies, or dispute resolution bodies.
• 4.5 Confidential Parties: Entities bound by confidentiality agreements.
5. Data Access & Correction Rights
You may request to access/correct your Personal Data by submitting a written request to:
Privacy Officer
UNIVESTA HK LIMITED
Room 1712, 17/F., Peninsula Square, 18 Sung On Street, Hunghom, Kowloon, Hong Kong SAR
Email: univestahkltd@gmail.com | Tel: +852 56434602
Reasonable fees may apply for data access requests.
6. Disclaimer
UNIVESTA strives for accuracy in website content but provides no warranties (express or implied) regarding completeness or reliability. We exclude liability for losses from inaccuracies, omissions, or technical failures
.
7. Important Notes
Browsing this site constitutes acceptance of this Policy. If you disagree, discontinue use immediately. The English version prevails in case of discrepancies.
________________________________________
B. Opt-Out of Direct Marketing
Under the Personal Data (Privacy) Ordinance, you may opt out of marketing communications at any time. Submit free opt-out requests via:
UNIVESTA HK LIMITED
Address: Room 1712, 17/F., Peninsula Square, 18 Sung On Street, Hunghom, Kowloon, Hong Kong SAR
Email: univestahkltd@gmail.com
Tel: +852 56434602
A. 個人資料收集聲明及隱私政策闡釋
在提供任何個人資料前，請仔細閱讀以下條款：
1. 定義
1.1 除文意另有所指，本政策中：
• “個人資料” 指香港《個人資料（私隱）條例》所定義的任何可識別個人身份的信息。
• “UNIVESTA” 指 UNIVESTA HK LIMITED（以下簡稱“本公司”）。
2. 互聯網傳輸的固有風險
互聯網爲開放通信媒介，通過電郵或其他電子渠道向 UNIVESTA 傳輸信息不保證絕對安全。本公司不承諾互聯網或其他電子通信系統的安全性，對因傳輸過程中導致的資料泄露、損失或損害不承擔任何責任（無論基于侵權、合約或其他法律依據）
。
3. 收集及使用目的
UNIVESTA 致力于保護個人資料的機密性。提供資料即視爲同意本公司將資料用于以下目的：
3.1 處理客戶/非客戶的服務申請及日常運營；
3.2 客戶關係管理（如會員計劃、活動邀約）；
3.3 建立或更新客戶/擔保人的信用記錄；
3.4 改進現有或開發新金融服務/産品（含財務建議）；
3.5 直接促銷（僅在您明確同意時）：推廣金融及相關産品/服務；
3.6 核算客戶/擔保人與本公司的債務；
3.7 追收欠款；
3.8 依法律或監管要求披露資料（如法院、政府機構要求）
；
3.9 公司合幷、重組等交易中的盡職調查；
3.10 本公司網站或表格中載明的其他用途；
3.11 法律或行政程序中的答辯依據；
3.12 獲取第三方服務（如IT、債務追討）；
3.13 與上述直接或間接相關的用途。
4. 資料接收方類別
UNIVESTA 可能在同意或法律允許下，向以下方提供資料：
4.1 爲本公司提供運營服務的代理/承包商（如IT、營銷公司）；
4.2 UNIVESTA 的關聯分支機構；
4.3 客戶指定的擔保人；
4.4 負有保密義務的機構或個人；
4.5 與客戶交易的金融機構；
4.6 信用報告或債務追收機構（如欠款時）；
4.7 公司交易中的承讓人；
4.8 依法須披露的監管/司法機構
5. 查閱及改正個人資料
您有權要求查閱或更正 UNIVESTA 持有的個人資料。請書面提交請求至：
隱私主任
UNIVESTA HK LIMITED
地址：香港九龍紅磡崇安街18號半島廣場17樓1712室
電話：+852 56434602
注：查閱請求可能收取合理處理費。
6. 免責聲明
本公司力求官網信息準確可靠，但不擔保其完整性或時效性。對因信息錯漏導致的損失（無論侵權或合約責任）概不負責。
7. 重要事項
瀏覽本網站即視爲接受本政策。若不同意，請立即停止使用網站。英文版本爲爭議解决依據。
________________________________________
B. 拒絕使用個人資料作直接促銷
根據《個人資料（私隱）條例》，您可隨時要求停止接收促銷信息。請通過以下方式免費提交請求：
UNIVESTA HK LIMITED
地址：香港九龍紅磡崇安街18號半島廣場17樓1712室
電話：+852 56434602
Terms and Conditions 條款及細則
IMPORTANT REMINDER
By accessing any website ("Website") operated by UNIVESTA HK LIMITED ("UNIVESTA"), you agree to be bound by these terms. For clarity:
• Use of electronic services ("E-Services") is governed by service-specific terms, not these Disclaimers & Terms of Use.
________________________________________
1. Definitions
1.1 In these Disclaimers:
• "UNIVESTA" refers to UNIVESTA HK LIMITED and its affiliates.
• "E-Services" means internet-based facilities enabling clients to submit electronic instructions, offers, and receive information/services in Hong Kong or elsewhere.
• "Hong Kong" denotes the Hong Kong Special Administrative Region of China.
• "Information" includes data, messages, and content on the Website or via SMS.
• "Third-party Services Provider" means external entities offering services via UNIVESTA's Website.
1.2 Interpretation principles:
• Singular terms include plural forms;
• References to "person" encompass individuals and entities;
• Statutory references include amendments;
• Headings are for navigation only.
________________________________________
2. Legality & No Offer
2.1 Jurisdictional Restrictions:
Information is not intended for jurisdictions where distribution violates local laws. Users must ensure compliance with local restrictions.
2.2 Non-Solicitation:
Nothing constitutes an offer to trade securities, financial instruments, or services.
________________________________________
3. Intellectual Property
3.1 Ownership:
Trade names, trademarks, and logos displayed on the Website are owned by UNIVESTA or licensors. Unauthorized use is prohibited.
3.2 Copyright Protection:
Website content (including third-party materials) may not be reproduced, transmitted, or modified without prior written consent.
3.3 Prohibited Actions:
You must not:
• Tamper with Website code or introduce malware;
• Facilitate unauthorized access;
• Use content in unauthorized networks or environments.
________________________________________
4. Third-Party Websites
4.1 Risks & Liabilities:
Linked third-party websites are accessed at your own risk. UNIVESTA:
• Does not endorse or control third-party content;
• Bears no liability for linked sites’ practices.
4.2 Software Requirements:
UNIVESTA is not responsible for software needed to access third-party links. Compliance with software license terms is your sole obligation.
________________________________________
5. Risk Disclosure
If risk disclosure statements ("RDS") appear on the Website, continued use constitutes acceptance of disclosed risks.
________________________________________
6. Privacy
Your use of the Website implies agreement to UNIVESTA’s Privacy Policy, which governs personal data handling under Hong Kong’s Personal Data (Privacy) Ordinance.
________________________________________
7. Indemnity
You agree to compensate UNIVESTA for all losses arising from:
• Unauthorized use of the Website/Information;
• Reliance on data purportedly sent by you;
• Breach of these terms.
________________________________________
8. General Terms
8.1 Amendments:
UNIVESTA may modify these terms without prior notice. Changes take effect immediately upon posting.
8.2 Severability:
Invalidity of one clause does not affect others’ enforceability.
8.3 Language Priority:
The English version prevails over translations.
8.4 Governing Law:
These terms are governed by Hong Kong law.
條款及細則
重要提示
若閣下進入本網站（定義見下文）或其任何頁面，即視爲同意、認可幷受下文條款約束。特別說明：如閣下使用任何電子服務（定義見下文），其使用將受該服務專屬條款而非本條款約束。
________________________________________
1. 釋義
1.1 除文義另有指定外：
• “UNIVESTA” 指 UNIVESTA HK LIMITED（以下簡稱“本公司”）。
• “電子服務” 指由本公司通過互聯網或其他設施在香港或其他地區提供的服務，包括電子指令、信息接收及相關服務。
• “香港” 指中華人民共和國香港特別行政區。
• “信息” 指網站所載或通過短信發送的數據、消息等內容（無論由本公司或第三方提供）。
• “第三方服務供應商” 指通過網站提供服務的第三方。
• “網站” 指 UNIVESTA 官方網站（www.univesta-hk.com）。
1.2 術語解釋原則：
• 單複數同義，性別中性化；
• 法規引用含修訂及附屬條例；
• 標題僅爲索引便利，不影響條款解釋。
________________________________________
2. 合法性聲明
2.1 若信息發布或使用違反任何司法管轄區法律，則相關區域人士不得訪問或使用該信息。用戶需自行確保其行爲符合當地限制性規定。
2.2 信息不構成任何金融工具交易的要約、游說或服務建議（無論本公司作爲委托方或代理方）。
________________________________________
3. 知識産權
3.1 網站顯示的商標、標識等知識産權歸本公司或關聯方所有，未經書面授權禁止使用。
3.2 信息及第三方內容受版權保護，禁止轉載、複製、修改或用于商業目的（除非獲得書面許可）。
3.3 嚴禁以下行爲：
• 篡改網站代碼、引入病毒或未授權訪問；
• 協助第三方實施破壞性操作；
• 在非授權網絡環境中使用網站內容。
________________________________________
4. 第三方網站
4.1 鏈接至第三方網站的風險由用戶自行承擔。本公司：
• 不認可、不保證第三方網站內容；
• 不受第三方網站條款約束；
• 不承擔因訪問第三方網站導致的任何責任。
4.2 下載或使用第三方軟件須遵守其許可協議，本公司不承擔相關後果責任。
________________________________________
5. 風險披露
若網站發布風險披露聲明，繼續使用網站即視爲已閱讀、理解幷接受所述風險。
________________________________________
6. 隱私
用戶同意遵守本公司《個人資料收集聲明》
的條款。
________________________________________
7. 彌償責任
如因以下情况導致本公司遭受損失，用戶需承擔全額賠償責任：
• 未授權使用網站或信息；
• 本公司依據用戶提供的信息采取行動；
• 用戶違反本條款任何規定。
________________________________________
8. 通則
8.1 本公司保留單方面修訂條款的權利，修訂版自官網發布即時生效。
8.2 條款可分性：某條款無效不影響其他條款效力。
8.3 英文版本爲爭議解决依據（中文版本僅供參考）。
8.4 本條款受香港法律管轄幷據其解釋。
9999公斤條*(2025.7.8) 今天特價 : 減USD 3.00
香港環球金業 +852 69404316 WhatsApp Mr. Chow/ 微信號:gold13690823986 / sales@univesta.hk
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