Terms of Use for Univesta HK

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. Furthermore, our privacy policy outlines how we handle your personal information, but does not change our liability limitations.

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. By entering this Website or any of its pages, you agree to be bound by the terms of use outlined herein, along with the disclaimers and privacy policy provided.

A. Personal Information Collection & Privacy Policy

Please read this privacy policy carefully 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. This disclaimer is crucial to understand.

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 or 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 67989091

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 in accordance with our terms of use.

7. Important Notes

Browsing this site constitutes acceptance of this privacy policy. If you disagree, please discontinue use immediately. The English version prevails in case of discrepancies.

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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 67989091

IMPORTANT REMINDER

By accessing any website ("Website") operated by UNIVESTA HK LIMITED ("UNIVESTA"), you agree to be bound by these terms of use. For clarity:

• Use of electronic services ("E-Services") is governed by service-specific terms, not these disclaimers & terms of use.

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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, www.univesta.hk.

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.

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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.

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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 under the terms of use.

3.2 Copyright Protection:

Website content (including third-party materials) may not be reproduced, transmitted, or modified without prior written consent, as outlined in our privacy policy.

3.3 Prohibited Actions:

You must not:

• Tamper with Website code or introduce malware;

• Facilitate unauthorized access;

• Use content in unauthorized networks or environments.

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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.

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5. Risk Disclosure

If risk disclosure statements ("RDS") appear on the Website, continued use constitutes acceptance of disclosed risks.

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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.

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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.

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8. General Terms

8.1 Amendments:

UNIVESTA may modify these terms of use 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.