Terms of Service / 服务条款

2. Registered Address and Contact/注册地址与联系方式

The registered address is [UNIT 11, 9/F THE CLOUD NO.111 TUNG CHAU STREET TAI KOK TSUI HONG KONG], and the customer support email is support@example.com.

注册地址为 【UNIT 11, 9/F THE CLOUD NO.111 TUNG CHAU STREET TAI KOK TSUI HONG KONG】，客服邮箱为 peijunchen@xingchenfuture.com。

3. Services/服务内容

The website provides online courses, digital content, learning materials, live or recorded classes, membership services, and related educational services.

本网站提供在线课程、数字内容、学习资料、直播或录播课程、会员服务及其他相关教育服务。

4. Purchase Page Controls/购买页面信息为准

The course name, price, currency, access period, delivery method, and applicable policies are as displayed on the purchase page.

具体课程名称、价格、币种、访问期限、交付方式和适用政策以购买页面展示为准。

5. User Information/用户信息

Users must ensure that the information they provide is truthful, accurate, and complete.

用户应确保其提供的信息真实、准确、完整。

6. Account Security/账户安全

Users are responsible for safeguarding their accounts, passwords, and access links, and may not transfer, share, rent, sell, or otherwise allow third parties to use their accounts or course access rights.

用户应妥善保管账户、密码和访问链接，不得转让、共享、出租、出售或以其他方式允许第三方使用账户或课程权限。

7. Payments and Prices/付款与价格

All prices are based on the amount and currency displayed on the checkout page.

所有价格以结账页面显示的金额和币种为准。

8. Pre-Payment Review/付款前确认

Before payment, users should confirm the course name, price, currency, taxes, delivery method, refund policy, and risk disclosure.

用户在付款前应确认课程名称、价格、币种、税费、交付方式、退款政策和风险声明。

9. Payment Processing/支付处理

Payments may be processed by third-party payment service providers, and this website does not store full card details.

支付可能由第三方支付服务商处理，本网站不保存完整银行卡信息。

10. Bank and Cross-Border Fees/银行与跨境费用

Fees arising from issuing banks, payment institutions, exchange rates, or cross-border transaction rules are the user’s responsibility.

因发卡行、支付机构、汇率或跨境交易规则产生的费用，由用户自行承担。

11. Digital Delivery/数字交付

Courses are digital products, and after successful payment, users will usually receive access through account login, email notification, a membership system, or a third-party learning platform.

课程为数字产品。付款成功后，用户通常将通过账户登录、邮件通知、会员系统或第三方学习平台获得访问权限。

12. Delivery Time/交付时间

Unless otherwise stated on the course page, access will be enabled immediately or within 24 hours after successful payment.

除非课程页面另有说明，访问权限将在付款成功后即时或二十四小时内开通。

13. Refund Policy/退款政策

Because digital courses may be delivered immediately and are reproducible, refunds are subject to the website’s Refund Policy.

由于数字课程具有即时交付和可复制性质，退款条件以本网站《退款政策》为准。

14. Used Digital Content/已使用数字内容

Unless required by applicable law, orders may not be refundable once the user has substantially used, watched, downloaded, attended a live session, joined a paid community, or accessed core digital content.

除非适用法律另有要求，已明显使用、观看、下载、参与直播、加入付费社群或获得核心数字内容的订单，可能不支持退款。

15. Cancellation and Subscriptions/取消与订阅

If the service includes a subscription, membership, or automatic renewal, users may cancel future renewals according to the website instructions.

如服务包含订阅、会员或自动续费，用户可按照网站说明取消后续续费。

16. No Automatic Refund After Cancellation/取消后不自动退款

Cancellation does not usually result in an automatic refund of payments already completed, unless otherwise required by website policy or applicable law.

取消订阅通常不会自动退还已经完成的付款，除非本网站政策或适用法律另有规定。

17. Educational Purposes/教育用途

The content on this website is provided for educational and informational purposes only.

本网站内容仅用于教育和信息分享。

18. No Professional Advice/不构成专业建议

The content does not constitute investment, financial, securities, insurance, tax, legal, accounting, or other professional advice.

相关内容不构成投资、财务、证券、保险、税务、法律、会计或其他专业建议。

19. No Regulated Financial Services/不提供受监管金融服务

The website does not provide personalized investment advice, asset management, securities brokerage, trading signals, discretionary account management, or any regulated financial service.

本网站不提供个性化投资建议、资产管理、证券经纪、交易信号、代客理财或任何受监管金融服务。

20. No Investment Recommendation/非投资推荐

Courses may discuss macroeconomics, business trends, industry research, market cases, or asset allocation concepts, but such content is for general learning and discussion only.

课程可能讨论宏观经济、商业趋势、产业研究、市场案例或资产配置理念，但相关内容仅用于一般性学习和讨论。

21. No Guarantee of Results/无收益或结果承诺

The website does not guarantee investment returns, business profits, learning outcomes, income growth, or any specific result.

本网站不保证任何投资收益、商业收益、学习成果、收入增长或特定结果。

22. Third-Party Public Figures and Names/第三方人物与名称

Unless the website clearly states and displays a lawful authorization relationship, any third-party names, likenesses, opinions, articles, books, speeches, organization names, trademarks, or other materials appearing on the website are used only for reasonable informational, commentary, research, or educational purposes.

除非网站明确说明并展示合法授权关系，本网站中出现的第三方姓名、肖像、观点、文章、书籍、演讲、机构名称、商标或其他资料，仅用于合理的信息说明、评论、研究或教育目的。

23. No Third-Party Endorsement/不代表第三方认可

Such references do not imply endorsement, sponsorship, authorization, partnership, or cooperation by the relevant third party.

此类引用并不表示相关第三方对本网站、课程或服务作出认可、背书、授权、合作或赞助。

24. Intellectual Property/知识产权

The courses, text, videos, audio, images, page designs, brand assets, learning materials, and other content on this website are owned by the platform or its lawful licensors.

本网站的课程、文字、视频、音频、图片、页面设计、品牌标识、学习资料及其他内容，归平台或合法授权方所有。

25. Prohibited Use of Content/禁止未经授权使用内容

Without written permission, users may not copy, record, download, distribute, resell, adapt, publicly display, use to train models, or commercially exploit any such content.

未经书面许可，用户不得复制、录制、下载、传播、转售、改编、公开展示、训练模型或商业使用相关内容。

26. Prohibited Conduct/用户禁止行为

Users may not infringe intellectual property rights, distribute pirated courses, attack or interfere with the website, bypass access controls, use false identity or payment information, initiate fraudulent refunds or chargebacks, or use courses for any unlawful or unauthorized commercial purpose.

用户不得侵犯知识产权、传播盗版课程、攻击或干扰网站、绕过访问控制、使用虚假身份或支付信息、发起欺诈性退款或拒付，或将课程用于任何违法或未经授权的商业用途。

27. Third-Party Services/第三方服务

The website may use third-party payment, email, video hosting, membership, analytics, or customer support tools.

网站可能使用第三方支付、邮件、视频托管、会员系统、数据分析或客服工具。

28. Third-Party Terms/第三方条款

Third-party services are governed by their own terms and privacy policies.

第三方服务受其自身条款和隐私政策约束。

29. Service Changes and Interruptions/服务变更与中断

The website may update course content, adjust service formats, maintain systems, or modify certain features based on business needs.

本网站可根据业务需要更新课程内容、调整服务形式、维护系统或更改部分功能。

30. No Continuous Availability Guarantee/不保证持续可用

We will try to minimize service interruptions, but do not guarantee that the website or courses will always be continuous, timely, secure, or error-free.

我们将尽力减少服务中断，但不保证网站或课程在任何时间均持续、及时、安全或无错误。

31. Termination for Breach/违约终止

If a user violates these Terms, the platform may suspend or terminate access.

若用户违反本条款，平台有权暂停或终止其访问权限。

32. Limitation of Liability/责任限制

To the maximum extent permitted by applicable law, this website and its operator, instructors, employees, partners, or licensors shall not be liable for any direct, indirect, incidental, special, punitive, or consequential damages arising from a user’s access to, purchase of, use of, or reliance on the website content.

在适用法律允许的最大范围内，本网站及其运营方、讲师、员工、合作方或授权方不对用户因访问、购买、使用或依赖本网站内容而产生的任何直接、间接、附带、特殊、惩罚性或后果性损失承担责任。

33. Governing Law/适用法律

These Terms are governed by the laws of the Hong Kong Special Administrative Region.

本条款受香港特别行政区法律管辖。

34. Dispute Resolution/争议解决

Any dispute arising from this website, courses, or services should first be resolved through good-faith negotiation; if negotiation fails, the dispute shall be submitted to [Insert dispute resolution institution or court], unless mandatory applicable law provides otherwise.

因本网站、课程或服务产生的争议，双方应首先通过友好协商解决；协商不成的，提交【请填写争议解决机构或法院】处理，除非适用法律另有强制规定。

35. Contact/联系方式

For questions about these Terms, refunds, delivery, account access, or risk disclosures, please contact us at support@example.com.

如对本条款、退款、交付、账户访问或风险声明有疑问，请通过 support@example.com 联系我们。

36. User Acknowledgement/用户确认

By accessing, purchasing, or using services from this website, users acknowledge that they have read, understood, and agreed to these Terms of Service and Disclaimer.

用户访问、购买或使用本网站服务，即表示已阅读、理解并同意本《服务条款与免责声明》。

Last updated:  【2026/06/23】