條款及細則

Terms & Conditions

1. 簡介 Introduction

1.1 黃金交易的基礎框架 Framework for Gold Trading Transactions

這些條款及條件(「條款及細則」)構成了金億創建香港有限公司(「金承」)與客戶(「客戶」)之間黃金交易的基礎框架。

These Terms and Conditions ("Terms and Conditions") form the underlying framework of the gold trading transactions between Gold Billion Creation HK Limited ("Gold X") and the Customer (the "Customer").

1.2 條款為申請表之組成部分 Terms Integral to Application Form

這些條款及條件構成新客戶申請表(「申請表」)的一部分。除非客戶完全理解這些條款及條件的全部內容,否則客戶不應簽署申請表。通過填寫並簽署申請表,客戶被視為已閱讀、理解、同意並接受這些條款及條件的約束。一旦金承確認收到並接受了客戶填寫並簽署的申請表,這些條款及條件即生效。

These Terms and Conditions form a part of the New Customer Application Form (the "Application Form"). The Customer should not sign the Application Form unless the customer fully understands the entirety and all parts of these Terms and Conditions. By completing and signing the Application Form, the Customer is deemed to have read, understood, agreed to and accepted to be bound by these Terms and Conditions. These Terms and Conditions shall take effect once Gold X acknowledges receipt of and accepted the completed and signed the Application Form from the Customer.

2. 定義、釋義及適用性 Definitions, Interpretation & Applicability

2.1 定義 Definitions

就本文所述條款及細則而言,除文義另有所指外,下列詞彙具有以下涵義:

For the purposes of these Terms and Conditions, unless the context otherwise requires, the following words shall have the following meanings:

「協議」或「條款及細則」是指規管金承與客戶之間的黃金買賣交易的條款及細則,另有特別規定除外。此等條款及細則,可在沒有通告下,不時被修改。在客戶的開戶申請被受理及批核前，此等條款及細則不適用。

"Agreement" or "Terms and Conditions" refers to the terms and conditions governing the gold trading transactions between Gold X and customers, unless otherwise stated. These Terms and Conditions may be amended from time to time without prior notice. They shall not apply until the customer's account opening application has been accepted and approved.

「香港」指中華人民共和國香港特別行政區。

“Hong Kong” refers to the Hong Kong Special Administrative Region of the People's Republic of China.

「帳戶」是指以客戶的名義在金承維持並作黃金交易的黃金交易帳戶。

"Account" refers to the gold trading account maintained in the customer's name with Gold X for gold transactions.

「金承」或「本公司」是指在香港特別行政區註冊成立及註冊地為香港的金億創建香港有限公司。

"Gold X" or "The Company" means Gold Bullion Creation Hong Kong Limited, incorporated and domiciled in the Hong Kong Special Administrative Region.

「客戶」是指與金承進行購買或出售實物黃金,並遵守和金承確認之本協議所列條款及細則的客戶。

"Customer" refers to the customer who engages in the purchase or sale of physical gold with Gold X and agrees to comply with the terms and conditions set out in this Agreement as confirmed with Gold X.

「營業日」指金承的營業時間,為星期一至星期五上午9時至下午6時00分,不包括星期六、星期日、香港法定假期及銀行假期。

"Business Day" refers to Gold X's business hours, from 9:00 am to 6:00 pm, Monday to Friday, excluding Saturdays, Sundays, statutory holidays and bank holidays in Hong Kong.

「交易」係指根據客戶指示進行的任何與購買黃金或出售黃金有關的事項,並已列於金承所發出的黃金購買或黃金回購確認單中。

“Transaction” refers to any matters related to purchase or sale of gold that are executed based on the Customer's instructions, as identified in the gold purchase or gold buyback confirmation issued by Gold X.

"費用和收費"是指客戶根據本條款和條件應支付給金承或第三方的任何費用、收費或其他金額,以及金承在執行客戶指示的交易過程中產生的所有其他負債、收費、成本、費用。

“Fees and Charges” refers to any fees, charges or other amounts payable by the Customer to Gold X or a third party under these Terms and Conditions, as well as all other liabilities, charges, costs, expenses and fees incurred by Gold X in connection with Transactions as instructed by the Customer.

「網上商店」是指經由互聯網網址http://online.goldX.hk 登入的金承黃金商店。

"Online Store" means the Gold X gold store accessible via the internet URL http://online.goldX.hk.

2.2 釋義 Interpretation

在本條款及條件中,除非與上下文不一致,否則凡指人的詞語亦包括公司和商行,凡指男性的詞語亦包括女性,凡指單數的詞語亦包括複數,反之亦然。此外,對任何條例、法定條文、法規、守則或指引的引述,應包括不時經修訂、取代、修改、擴展或重新頒佈的有關條例、法定條文、法規、守則或指引。

In these terms and conditions, unless inconsistent with the context, words denoting persons include corporations and firms, words denoting the masculine gender include the feminine gender, and words denoting the singular number include the plural number and vice versa. Furthermore, references to any ordinance, statutory provision, regulation, code or guideline shall include such ordinance, statutory provision, regulation, code or guideline as amended, replaced, modified, extended or re-enacted from time to time.

本條款及條件以及任何黃金交易資料中的所有標題僅為方便參考而設,不得定義、限制、描述或解釋本條款及條件中任何條款或條文的範圍。如對本條款及條件的解釋有任何爭議,金承保留最終決定權。

All headings in these Terms and Conditions are in any gold trading transaction materials are for convenience of reference only and shall not define, limit, describe or interpret the scope of any term or provision hereof. In case of any dispute regarding the interpretation of these Terms and Conditions, Gold X reserves the right of final decision.

2.3 適用性 Applicability

These Terms and Conditions shall govern all Transactions between the Customer and Gold X which are placed in person, or by telephone, or via Gold X’s website, or by email. The Customer is responsible for ensuring that Transactions conform to these Terms and Conditions, including any revisions initiated by Gold X from time to time.

These Terms and Conditions shall continue to apply individually and collectively, regardless of any changes in the personnel of Gold X or its successors, assigns, or affiliates. Each Transaction shall be governed by these Terms and Conditions and the relevant gold purchase or gold buyback confirmation, unless otherwise agreed by Gold X and the Customer.

3. 帳戶 Account

擬自金承購買黃金或向金承出售黃金的客戶,必須開立帳戶。本公司將在收到並確認申請表及所有文件後,向客戶發出確認函,說明是否批准開戶申請。一旦獲批准,本公司會立即為客戶開立帳戶並告知相關詳情。

Customers who wish to purchase gold from or sell gold to Gold X must open an account. The Company will, upon receiving and verifying the application form and all required documents, issue a confirmation letter to the customer indicating whether the account opening application has been approved. Once approved, the Company will immediately open an account for the customer and provide the relevant details.

本公司在處理開戶申請時,完全依賴客戶所提供資料的真實性。客戶同意並保證所有提供的資訊均屬真實準確。

The Company relies entirely on the truthfulness of the information provided by the customer when processing the account opening application. The customer agrees and warrants that all information provided is true and accurate.

每一名客戶只能開立一個帳戶。若客戶違反此規定,該名客戶或須承擔因此而產生的任何市場虧損款項及行政費用。

Each customer may only open one account. If the customer violates this requirement, the customer may be liable for any market losses and administrative fees arising therefrom.

3.1. 個人客戶 Individual Customer

個人客戶可以經由上網或親臨方式開立帳戶。所有個人客戶均應提交由政府部門簽發(載有照片)的身份證明文件副本,以及住址證明,以完成帳戶申請流程。

Individual customers can open an account either online or in person. All customers must submit an ID document with government-issued photo and proof of address to complete the account opening process.

3.2 公司客戶 Corporate Customer

公司客戶可透過郵寄申請或親臨方式開立帳戶。所有公司客戶均須提供以下必要文件:

Corporate customers can open an account either by mail or in person. All corporate customers must provide the following necessary documents:

填妥的公司帳戶開立申請表；
經授權在公司帳戶中進行簽名和交易的人士的簽名樣本；
載明授權簽字人的公司決議/信託決議核證副本；
授權簽字人的有效身份證明文件核證副本；
此外,根據公司性質的不同,客戶可能需要另外提供以下相應證明文件:
- 獨資企業 : 最新公司地址證明、商業登記證
- 合夥企業 : 合夥協議、商業登記證
- 法人組織 : 商業登記證、最近年度申報表、董事資料表格2A、公司章程、董事會決議、公司註冊證書
- 信託公司 : 信託契約、信託人變更文件(如有)
- 其他非法人團體 : 註冊證書/章程、附例、商業登記證(非營利組織可無)

Completed corporate account opening application form;
Specimen signatures of the persons authorized to sign on and transact in the company account;
Certified true copy of the company/trust resolution authorizing the authorized signatories;
Certified true copy of valid identification documents of the authorized signatories;
Additionally, depending on the nature of the company, the customer may need to provide the following corresponding supporting documents:
- Sole proprietorship: Latest proof of company address, Business Registration Certificate
- Partnership: Partnership agreement, Business Registration Certificate
- Incorporated organization: Business Registration Certificate, Latest annual return, Directors' information Form 2A, Articles of Association, Board resolution, Certificate of Incorporation
- Trust company: Trust deed, Trust deed amendment documents (if any)
- Other unincorporated bodies: Registration certificate/constitution, bye-laws, Business Registration Certificate (non-profit organizations may be exempted)

3.3 帳戶使用限制 Account Restrictions

客戶理解並同意,本公司可全權自行決定,隨時在無需事先通知客戶的情況下，暫停、禁止、限制或終止客戶使用本公司的服務、帳戶以及進行黃金交易的能力。這種情況可能發生於:

The customer understands and agrees that the Company may, at its sole discretion, at any time and without prior notice to the customer, suspend, prohibit, restrict or terminate the customer's use of the Company's services, account, and ability to conduct gold transactions. This may occur:

本公司合理認為市場出現不尋常的交易情況;
本公司無法獲得相關市場資訊而無法執行客戶的交易指令;
客戶作出的任何聲明在重大方面有不正確或具有誤導性;
客戶身故、被法院宣佈無行為能力或精神狀態不健全;或
本公司接獲當地監管機構要求暫時凍結或限制客戶帳戶的通知。
If the Company reasonably believes that unusual market conditions have arisen;
If the Company is unable to obtain relevant market information and unable to execute the customer's trading instructions;
If any representation made by the customer is materially incorrect or misleading;
Upon the customer's death, being declared incapable by the court, or being of unsound mind; or
Upon receiving a notice from the local regulatory authority to temporarily freeze or restrict the customer's account.

無論發生上述任何情況,帳戶的關閉都不會影響雙方在帳戶關閉日期前既有的權利和義務。

Regardless of any of the above circumstances, the closure of the account will not affect the pre-existing rights and obligations of the parties as of the date of account closure.

根據本條款第3.3節的規定,若本公司暫停、禁止、限制或終止客戶使用本公司的服務、帳戶及其進行黃金交易的能力,本公司毋須就此而導致客戶蒙受的任何損失、損害、責任、費用及開支承擔任何責任。

Pursuant to this Clause 3.3, if the Company suspends, prohibits, restricts or terminates the customer's use of the Company's services, account, and ability to conduct gold transactions, the Company shall not be liable for any loss, damage, liability, cost and expense incurred by the customer as a result thereof.

4. 客戶購買交易 Customer Purchase Transactions

4.1 定價 Pricing

每當有客戶提交一項客戶購買交易時,金承會為該項交易鎖定一個價格。訂單價格只有在最終確認訂單時才會被鎖定。一旦客戶成功下單,本公司會立即向客戶發送"訂單確認"電郵。如果客戶沒有收到這封"訂單確認"電郵,表示該交易尚未完成或確認。

Whenever a customer submits a customer purchase transaction, Gold X will lock in a price for that transaction. The order price will only be locked in when the order is finally confirmed. Once the customer has successfully placed an order, the Company will immediately send the customer a "Order Confirmation" email. If the customer do not receive this "Order Confirmation" email, it means the transaction has not been completed or confirmed.

本公司擁有絕對酌情權,可決定是否接受或拒絕任何交易指令。如交易在被登記前被撤銷或拒絕,則不會產生任何市場虧損款項或其他費用。本公司建議客戶在提交購買交易後的24小時內登入帳戶,檢查交易狀態並了解所有付款及交收選項。

The Company has absolute discretion to accept or reject any trading instruction. If a transaction is cancelled or rejected before it is recorded, no market losses or other fees will be incurred. The Company advises customers to log in to their account within 24 hours after submitting a purchase transaction to check the status and understand all payment and settlement options.

4.1.1 若客戶之交易價值等於或少於港元 150,000,為在一個交易中鎖定購買價格,客戶需要提供一張有效的信用卡的號碼。客戶確認知悉提供一個有效的信用卡號碼並不構成付款,並承諾於指定時間內全額支付交易金額。

If the customer's transaction value is HKD 150,000 or less, to lock in the purchase price in a single transaction, the customer needs to provide a valid credit card number. The customer acknowledges that providing a valid credit card number does not constitute payment, and undertakes to pay the full transaction amount by the specified time.

4.1.2 若客戶之交易價值多於港元 150,000,為在一個交易中鎖定購買價格,客戶需要提供一張有效的信用卡的號碼。客戶亦需要在其金承帳戶中存有數額至少達到該尚未完成的交易的購買款項的15% 的已結算資金。

If the customer's transaction value exceeds HKD 150,000, to lock in the purchase price in a single transaction, the customer needs to provide a valid credit card number. The customer also needs to have at least 15% of the outstanding transaction purchase amount as settled funds in their Gold X account.

4.1.3 若客戶之交易價值多於港元 800,000,為在一個交易中鎖定購買價格,客戶需要提供一張有效的信用卡的號碼。客戶亦需要在其金承帳戶中存有數額至少達到該尚未完成的交易的購買款項的25% 的已結算資金。

If the customer's transaction value exceeds HKD 800,000, to lock in the purchase price in a single transaction, the customer needs to provide a valid credit card number. The customer also needs to have at least 25% of the outstanding transaction purchase amount as settled funds in their Gold X account.

4.2 購買交易付款方式 Purchase Transaction Payment Methods

客戶可以現金, 支票, 銀行轉帳, Alipay, WeChat Pay, 信用卡, 銀行電匯或客戶帳戶內的已結算資金付款。本公司可能會拒絕由非帳戶持有人提供的任何付款或資金。在將資金計入客戶帳戶前,本公司可能要求提供額外的證明文件。

Customers can pay by cash, cheque, bank transfer, Alipay, WeChat Pay, credit card, bank wire transfer, or settled funds in their account. The Company may refuse any payment or funds provided by a non-account holder. The Company may require additional proof documents before crediting funds to the customer's account.

對於客戶選擇使用的任何付款方式,如信用卡、銀行轉帳或其他電子支付工具等,可能會產生相關的手續費或其他附加費用。這些費用將由客戶自行承擔。

For any payment method the customer chooses, such as credit card, bank transfer or other electronic payment tools, there may be related handling fees or other additional charges. These fees will be borne by the customer.

具體而言,這些費用可能包括但不限於:

信用卡交易手續費
銀行轉帳或其他電子支付的手續費
外幣兌換手續費(若適用)
其他與所選支付方式相關的附加費用

Specifically, these fees may include but are not limited to:

Credit card transaction handling fees
Bank transfer or other electronic payment handling fees
Foreign exchange handling fees (if applicable)
Other ancillary fees related to the selected payment method

4.3 現金支付限制 Cash Payment Limitation

客戶不得在單日內進行超過港幣 120,000 的現金支付。任何超過此限額的交易必須通過其他支付方式進行。

Customers are prohibited from making cash payments exceeding HKD 120,000 in a single day. Any transactions that exceed this limit must be conducted through alternative payment methods.

4.4 信用卡 Credit Card

如果客戶選擇使用信用卡支付,客戶必須提供有效的信用卡資訊。若產生任何未支付的市場虧損款項或其他費用,本公司有權從客戶提供的信用卡帳戶中直接扣款。

If the customer chooses to pay by credit card, the customer must provide valid credit card information. The Company has the right to directly deduct any unpaid market losses or other fees from the customer's provided credit card account.

提供信用卡資訊即表示客戶確認:

Providing credit card information indicates the customer's acknowledgment that:

客戶是所述信用卡的持有人或已獲正式授權使用該信用卡;
本公司或其收款代理可從客戶的信用卡帳戶扣除未支付的相關款項;
該信用卡可能會被用作鎖定交易價格,如第4.1條所述。

The customer is the cardholder or has been duly authorized to use the credit card;
The Company or its collection agent may deduct the relevant outstanding amounts from the customer's credit card account;
The credit card may be used to lock in the transaction price, as mentioned in Clause 4.1.

4.5 購買交易付款期限 Purchase Transaction Payment Deadline

客戶需要在交易登記後3個營業日內支付款項及到賬。若本公司在3個營業日內未能收到全數款項, 本公司將保留取消交易的權利。客戶屆時須承擔市場損失款項和其他費用,如第6條和第7條所述。

Customers need to pay and settle the full payment within 3 business days after the transaction is recorded. If the Company is unable to receive the full payment within 3 business days, the Company reserves the right to cancel the transaction. The customer will then be responsible for the market loss amount and other fees, as mentioned in Clauses 6 and 7.

4.6 交易完成 Transaction Completion

當客戶購買交易的足額付款在第4.5節規定的期限內到賬,且沒有任何延遲,並且本公司已履行主要義務,則該交易即告完成。

A purchase transaction is considered complete when the full payment from the customer is received within the deadline specified in Clause 4.5, without any delay, and the Company has performed its principal obligations.

如果本公司試圖交付實物黃金但被客戶的作為或疏忽阻礙,或本公司允許客戶接收實物黃金,則視為本公司已履行主要義務。

If the Company attempts to deliver the physical gold but is hindered by the customer's acts or omissions, or the Company allows the customer to receive the physical gold, the Company is deemed to have performed its principal obligations.

交易完成後,實物黃金的所有權將視為已從我方轉移至客戶。

Upon completion of the transaction, the ownership of the physical gold is considered to have transferred from the Company to the customer.

4.7 添加帳戶內資金 Adding Funds to the Account

客戶可以現金, 銀行轉帳或銀行電匯添加於其在本公司帳戶中的資金。若匯款過程中有銀行費用扣除, 本公司將按照實際收到的淨金額計入客戶的帳戶。這些帳戶內已結算的資金可用於支付購買交易,也可用於鎖定交易價格。

Customers can add funds to their accounts with the Company by cash, bank transfer or bank wire. If there are any bank fees deducted during the remittance process, the Company will credit the customer's account with the actual net amount received. These settled funds in the account can be used to pay for purchase transactions or to lock in transaction prices.

客戶在本公司帳戶中的資金屬於客戶所有,直到被用於特定交易付款或支付欠款。這些資金必須與本公司的資金分開並明確標識為客戶資金。

The funds in the customer's account with the Company belong to the customer until they are used for a specific transaction payment or to settle outstanding amounts. These funds must be segregated from the Company's own funds and clearly identified as the customer's funds.

5. 客戶出售交易 Customer Sale Transactions

5.1 產品回購條件 Repurchase Conditions

本公司在網上商店上提供的回購價格,僅適用於本公司銷售的原裝產品。要符合此條件,產品必須保持最初出售時的原裝狀態,包括完整包裝且無任何損壞或人為改動。如果產品或包裝已不再符合原裝狀態, 本公司將進行進一步審查評估。這可能導致本公司提供的回購價格有別於網站上公布的報價。最終的回購價格將在本公司門市確定。對於任何爭議, 本公司保留最終決定權。

The repurchase prices displayed on the Gold X online store apply only to original products sold by the Company. To meet this requirement, the product must be in its original condition as when it was first sold, including intact packaging and no damage or alteration. If the product or packaging no longer meets the original condition, the Company will conduct further inspection and assessment. This may result in the repurchase price offered by the Company differing from the quoted price on the website. The final repurchase price will be determined at the Company's retail store. The Company reserves the final decision on any disputes.

本公司亦可能回購非本公司銷售的產品,但必須先進行評估。此類產品的回購價格將有別於本公司直接銷售產品的價格。

The Company may also repurchase products not sold by the Company, but they must first be evaluated. The repurchase price for such products will differ from the price for the products directly sold by the Company.

5.2 定價 Pricing

回購價將於客戶把產品帶至本公司門市，並經過全面評估後確定。一旦雙方就回購價格達成一致,該價格將被被鎖定。

The repurchase price will be finalized after the customer bring the product to the Company's retail store and it undergoes a full assessment. Once both parties agree on the repurchase price, that price will be locked.

5.3 出售交易收益 Sale Transaction Proceeds

客戶可選擇以支票, 銀行轉帳或銀行電匯收取出售交易收益。所有款項都將以港幣支付到客戶指定的帳戶。若匯款過程中有銀行費用扣除, 這些費用將由客戶自行承擔, 客戶最終收到的金額將為扣除相關銀行費用後的淨額。

Customers can choose to receive the sale transaction proceeds via mailed cheque, bank transfer or bank wire transfer. All payments will be made in Hong Kong dollars to the designated account. If there are any bank fees deducted during the bank transfer or remittance process, these fees will be borne by the customer, and the final amount received by the customer will be the net amount after deducting the relevant bank fees.

為遵守反洗錢法規, 本公司不會向第三方支付款項。收款人名稱必須與本公司帳戶名稱相同。

To comply with anti-money laundering regulations, the Company will not make payments to third parties. The name of the recipient must match the name on the Company's personal account.

5.4 回購支付時間 Repurchase Payment Deadline

本公司收到客戶的黃金後, 回購款項一般於價格鎖定後的二至三個工作天內發出。實際收款時間可能會受銀行假期、所選支付方式以及其他無法預見的因素影響。

After the Company receives the customer's gold, the repurchase payment is generally issued within two to three business days after the price is locked. The actual receipt of payment may be affected by bank holidays, the selected payment method, and other unforeseeable factors.

5.5 交易完成 Transaction Completion

客戶出售交易在本公司履行主要義務時完成。交易完成後,客戶黃金的所有權將視為已從客戶轉移至我方。

The customer's sale transaction is considered complete when the Company has performed its principal obligations. Upon completion of the transaction, the ownership of the customer's gold is considered to have transferred from the customer to the Company.

6. 交易撤銷 Transaction Cancellation

若出現需要撤銷交易的情況,無論是客戶欲購買黃金還是出售黃金予本公司,可能會有相關的市場虧損款項須支付。這是因為已提交的交易對雙方構成了有約束力的協議。

If there are circumstances that require the cancellation of a transaction, whether the customer wishes to purchase gold or sell gold to the Company, there may be related market loss amounts that need to be paid. This is because the submitted transaction constitutes a binding agreement between the two parties.

如果客戶的購買交易被撤銷(例如未能於規定時間內全額支付款項)，或者客戶出售的交易被撤銷,不論是客戶還是本公司提出撤銷,客戶可能需要支付市場虧損費用。該費用的計算基礎是,從價格鎖定至撤銷交易期間,黃金的市場價值是否出現下跌或者上漲。

If the customer's purchase transaction is cancelled (e.g., failure to pay the full amount within the specified time), or the customer's sale transaction is cancelled, whether initiated by the customer or the Company, the customer may need to pay a market loss fee. The basis for calculating this fee is whether the market value of gold has decreased or increased during the period from the price lock-in to the transaction cancellation.

對於本公司因客戶未付款而撤銷的客戶購買交易, 或因本公司未能按時向客戶支付而撤銷的客戶出售交易, 本公司將採用倫敦金銀市場協會在付款期限到期日公佈的最後可得定價計算市場虧損費用。

For customer purchase transactions cancelled by the Company due to the customer's non-payment, or customer sale transactions cancelled by the Company due to its failure to pay the customer on time, the Company will use the last available pricing published by the London Bullion Market Association on the payment deadline date to calculate the market loss fee.

對於客戶撤銷的客戶購買交易或客戶出售交易,本公司將採用客戶提出撤銷請求時的即場現貨價格計算市場虧損費用。

For customer-initiated cancellations of customer purchase transactions or customer sale transactions, the Company will calculate the market loss fee based on the spot price at the time the customer requests the cancellation.

如果出現市場獲利的情況,市場虧損費用將等同於交易原價與撤銷時價值的差額。若出現市場性虧損,市場虧損費用則不適用。

If there is a market gain, the market loss fee will be equivalent to the difference between the original transaction price and the value at the time of cancellation. If there is a market loss, the market loss fee will not apply.

7. 費用 Fees

對於與實物黃金相關的交易,金承可向客戶收取以下費用。所有費用均以港元計算。

For transactions involving physical gold, Gold X may charge the following fees to customers. All fees are calculated in Hong Kong dollars.

7.1 退票費 Bounced Cheque Fee

若客戶向金承支付的支票被退回,原因包括但不限於欺詐、偽造、帳戶存款不足、帳戶關閉、帳戶無法追踪, 金承會向客戶收取港元250的行政費用。

If a cheque paid by the customer to Gold X is returned, for reasons including but not limited to fraud, forgery, insufficient funds, account closure, or untraceable account, Gold X will charge the customer an administrative fee of HKD 250.

7.2 撤銷購買和出售交易費 Purchase and Sale Transaction Cancellation Fee 

除了適用的市場損失賠償費用外,根據第6條而撤銷的交易,需另外支付港元300的行政費用。

In addition to the applicable market loss compensation fee, a HKD 300 administrative fee will be charged for transactions cancelled pursuant to Clause 6.

7.3 運費及保險費 Delivery and Insurance Fees 

若客戶要求金承安排實物黃金的運輸或交付,需支付相應的運費和保險費。

If the customer requests Gold X to arrange for the transportation or delivery of physical gold, the corresponding delivery and insurance fees must be paid.

對於運輸至偏遠地區(包括香港境內)或高價值的訂單，可能需支付第7.3條規定以外的額外運費和保險費用。

For deliveries to remote areas (including within Hong Kong) or high-value orders, additional delivery and insurance fees beyond those specified in Clause 7.3 may be required.

對於高價值訂單,金承可建議或要求以武裝車輛運輸至銀行或存儲服務的地點。所有相關運費和武裝車輛保險費用均由客戶承擔。在買入交易提交後,金承會為客戶提供一份具體的運費和保險費報價,報價以每筆交易為基準。

For high-value orders, Gold X may recommend or require transportation by armoured vehicle to a bank or storage service location. All related delivery and armoured vehicle insurance fees will be borne by the customer. After a purchase transaction is submitted, Gold X will provide the customer with a specific quote for the delivery and insurance fees, with the quote based on each individual transaction.

7.4 存儲費及存儲帳戶行政費 Storage Fees and Storage Account Administrative Fees

若客戶購買實物黃金選擇存放在金承的存放地點,須在下單日起14天內(包含下單日和取貨日)提取。如逾期未取,需支付存儲費。存儲費在金承網站www.goldx.hk上公佈。

If the customer chooses to store the purchased physical gold at Gold X's storage location, it must be collected within 14 days (including the order date and the collection date) from the order date. If not collected within the time period, storage fees will be charged. The storage fees are published on the Gold X website at www.goldx.hk.

除非客戶全額支付存儲費及其他費用,否則實物黃金不會發放。

The physical gold will not be released unless the customer has paid the storage fees and other applicable fees in full.

金承保留單方面調整存儲費的酌情權,無需另行通知。

Gold X reserves the unilateral discretion to adjust the storage fees without prior notice.

8. 客戶資料保密及披露 Customer Information Confidentiality and Disclosure

於客戶與金承的交易過程中,本公司將獲取並接觸客戶的機密個人資料。本公司將依照《個人資料(私隱)條例》的規定保管及使用客戶的個人資料。金承高度重視客戶隱私,有關私隱政策的詳情請登陸公司網站查閱。

During the transaction process between the customer and Gold X, the Company will acquire and have access to the customer's confidential personal information. The Company will manage and use the customer's personal information in accordance with the provisions of the Personal Data (Privacy) Ordinance. Gold X highly values customer privacy, and the details of the privacy policy are available on the company website.

客戶授權本公司於以下情況披露客戶、帳戶及/或任何黃金交易有關的資訊, 而不需向客戶作事前通知:

The customer authorizes the Company to disclose information related to the customer, the account, and/or any gold transactions, without prior notice to the customer, in the following circumstances:

根據適用法律、法規或監管要求進行披露;
本公司全權酌情認為為維護本公司自身合法利益而必要進行披露;
將客戶的個人資料轉移至本公司的聯營公司或附屬公司,用於收取未清繳的市場損失賠償、費用或根據本協議的未支付款項。

Disclosure as required by applicable laws, regulations or regulatory requirements;
Disclosure that the Company, at its sole discretion, deems necessary to protect the Company's own legitimate interests;
Transfer of the customer's personal information to the Company's affiliated companies or subsidiaries for the purpose of collecting unpaid market loss compensation, fees or outstanding payments pursuant to this agreement.

客戶特此同意並授權本公司可按上述方式使用及轉移客戶的個人資料。客戶理解並接受此安排有利於雙方權益的保護。

The customer hereby agrees and authorizes the Company to use and transfer the customer's personal information in the aforementioned manner. The customer understands and accepts that this arrangement is for the protection of the interests of both parties.

9. 客戶義務與限制Customer Obligations and Restrictions

9.1 遵守相關法律Compliance with Relevant Laws

客戶有責任了解並遵守其所在司法管轄區的適用法律。客戶須自行取得任何必要的官方許可或授權,確保其與金承的交易符合當地法規。客戶保證,其與金承的交易不會違反任何法律。

The customer has the responsibility to understand and comply with the applicable laws in their jurisdiction. The customer must obtain any necessary official permits or authorizations to ensure their transactions with Gold X conform to local regulations. The customer guarantees that their transactions with Gold X will not violate any laws.

9.2 客戶對風險的承認Customer's Acknowledgment of Risks

在與金承進行任何交易之前,客戶已經審閱、理解、同意並接受金承網站 www.online.goldX.hk 上發佈的免責聲明、風險披露、隱私政策、條款和條件以及重要通知。

Before entering into Transactions with Gold X, the Customer has reviewed, understood, agreed and accepted the Disclaimer, Risk Disclosure, Privacy Policy, Terms & Conditions and Important Notice published on Gold X's website at www.online.goldX.hk.

9.3 身份資料及核實交易記錄 Identity Information and Verifying Transaction Records

客戶有責任妥善保管自己的電子身份識別資料,防止遭到未經授權使用。本公司無任何義務確認使用人員的身份或授權情況。如果客戶發現資料可能被他人使用,應立即通知本公司。此外,客戶有責任定期核查自己的交易記錄,及時發現並告知本公司任何錯誤或異常情況。如果客戶未能及時通知本公司未經授權使用的情況,本公司將不承擔任何相關的責任。

The customer has the responsibility to properly safeguard their electronic identification credentials to prevent unauthorized use. The Company has no obligation to verify the identity or authorization of the user. If the customer discovers the information may have been used by others, they should immediately notify the Company. Additionally, the customer has the responsibility to regularly review their transaction records and promptly notify the Company of any errors or abnormal situations. If the customer fails to timely notify the Company of unauthorized use, the Company will not bear any related liability.

9.4 合法擁有權 Lawful Ownership

客戶保證,所有送交金承的黃金均為其合法所有,或由其合法所有者授權代理。客戶承諾,無論是代表自己或代表他人,都已取得充分授權接受並遵守本協議條款。

The customer guarantees that all gold submitted to Gold X is legally owned by the customer or authorized by the legal owner. The customer undertakes that, whether representing themselves or others, they have obtained full authorization to accept and abide by the terms of this agreement.

9.5 限制轉讓條款 Restriction on Transfer

客戶不得轉讓本協議中的任何權利或義務。這是為了確保雙方權益得到有效保護,避免產生潛在糾紛。

The customer may not transfer any rights or obligations under this agreement. This is to ensure the effective protection of the interests of both parties and avoid potential disputes.

9.6 客戶資產Customer Assets

已存入的現金和財產 - 客戶應熟悉適用於國內和國際交易的財產保護措施,尤其是在公司發生無力償還或破產的情況下。可收回的金額可能受到特定法定或當地規則的限制,在某些司法管轄區,任何收回的資產可能被視為按比例歸屬于客戶。

Deposited Cash and Property - The Customer should familiarize themselves with the protections given to money or other property deposited for domestic and foreign transactions, especially in the event of the firm's insolvency or bankruptcy. The recoverable amount may be subject to specific statutory or local rules, and in some jurisdictions, any recovered assets may be deemed attributable to the Customer proportionally.

9.6 客戶資產Customer Assets

9.7 知識產權及保密信息 Intellectual Property and Confidential Information

金承擁有本網站及相關服務的所有知識產權,包括商標、版權等。客戶未經金承書面許可,不得轉載、複製或披露金承提供的任何保密信息和專有信息。

Gold X owns all intellectual property rights of the website and related services, including trademarks, copyrights, etc. The customer may not reprint, copy or disclose any confidential information and proprietary information provided by Gold X without written permission.

9.8 客戶的陳述和保證Customer's Representations and Warranties

通過提交申請表格,客戶向金承聲明、保證並承諾:

By submitting the Application Form, Customer represents, warrants and undertakes to Gold X that:

客戶已提供或將提供所有本條款和條件以及金承要求的資訊和詳細信息。
客戶向金承提供的所有資訊和詳細信息均為真實、完整和最新的(除非申請被拒絕,在此情況下更新資訊和詳細信息的義務將終止)。
客戶已審閱並理解本條款和條件,將遵守這些條款和條件,並擁有同意和接受這些條款和條件的權力、授權和合法權利。

The Customer has provided, or will provide, all information and details required by these Terms and Conditions and by Gold X.
All information and details provided by the Customer to Gold X are, and will remain, correct, complete and current (unless an application is rejected, in which case the obligation to update the information and details shall cease).
The Customer has reviewed and understood these Terms and Conditions, will comply with them, and has the power, authority and legal right to agree to and accept them.

9.9 費用和其他收費Fees and Other Charges

在使用任何服務之前,客戶應該清楚了解他們可能需要承擔的所有費用和其他收費。這些費用和收費可能會影響客戶的最終淨利潤(如有)或增加他們的損失。

Before using any services, the Customer should obtain a clear explanation of all fees and other charges they may be liable for. These fees and charges may affect the Customer's final net profit (if any) or increase their losses.

10. 金承的權利 Gold X's Rights

客戶確認並同意金承保留以下權利:

The customer acknowledges and agrees that Gold X reserves the following rights:

可隨時調整買賣價格,無需事先通知
可隨時撤回或限制產品/服務,暫停網上商店或交易登記,無需通知
可隨時撤銷或拒絕任何訂單
可設定每日產品購買或回購數量限制
可基於任何原因終止本協議,凍結或清算帳戶,包括濫用、犯罪、干擾網頁安全和違反條款
可以自行決定將全部或部分權利義務轉讓給其他第三方

To adjust the buy and sell prices at any time without prior notice
To withdraw or restrict products/services, suspend the online store or transaction recording, without notice
To cancel or reject any order at any time
To set daily limits on product purchase or repurchase quantities
To terminate this agreement, freeze or liquidate the account at any time for any reason, including abuse, criminal activity, interference with website security and breach of terms

To assign all or part of its rights and obligations to other third parties at its own discretion

客戶進一步授權本公司, 為確保償還任何由客戶應付的款項,包括但不限於交易產生的費用、市場損失賠償及其他費用,客戶同意金承可保留客戶帳戶內的結算資金,金額相當於客戶交易的鎖定價格,如第4.1和4.2條所述。金承可在客戶帳戶內預扣該金額,直至全部款項結清為止。

The customer further authorizes the Company, to ensure the repayment of any amounts owed by the customer, including but not limited to transaction-related fees, market loss compensation and other charges, the customer agrees that Gold X may retain the settled funds in the customer's account, in an amount equivalent to the locked-in price of the customer's transactions, as mentioned in Clauses 4.1 and 4.2. Gold X may withhold this amount in the customer's account until all outstanding amounts are fully settled.

若交易被撤銷或客戶未支付應付金承的任何款項,金承將有權在任何時候執行索賠或抵銷,無需事先通知客戶,金額為客戶應付金承與客戶帳戶內資金的差額。

If a transaction is cancelled or the customer fails to pay any amounts owed to Gold X, Gold X will have the right to execute a claim or set-off at any time, without prior notice to the customer, for the difference between the amount owed to Gold X and the funds in the customer's account.

金承保留權利在必要時隨時修訂或補充本條款及條件,無須事先通知或提供理由。一旦客戶繼續使用本公司服務,即表示已充分理解並同意接受修訂後的條款。

Gold X reserves the right to amend or supplement these Terms and Conditions at any time, if necessary, with or without notice or providing reasons. Once the customer continues to use the Company's services, it indicates they have fully understood and agreed to accept the revised terms.

11. 法律責任限制 Limitation of Legal Liability

11.1 免責聲明條款 Disclaimer of Liability

除非另有明確規定,就本文條款及細則下擬進行的交易,無論直接或間接所導致的任何損失或損害,金承無需承擔法律責任。在任何情形下,任何特殊的,偶發性的,相應的,間接的或懲罰性的損失或損害,金承均無需承擔法律責任。

Unless otherwise expressly provided, Gold X shall not be liable for any loss or damage, whether direct or indirect, resulting from the transactions contemplated under these terms and conditions. Under no circumstances shall Gold X be liable for any special, incidental, consequential, indirect or punitive losses or damages.

11.2 投資決策免責聲明 Investment Decision Disclaimer

本公司從未提供也不會對客戶提供任何形式的投資建議，也從未對任何筆一交易提供適當性的建議。本公司強烈建議客戶在做出任何投資決策前,應該先尋求獨立的專業財務顧問的意見和指導。本公司不會對客戶的投資決策承擔任何責任,亦不對任何可能產生的投資損失負責。客戶必須充分了解並自行承擔黃金投資所涉及的市場風險和價格波動風險。

The Company has never provided and will not provide any form of investment advice to customers, nor has it ever advised on the suitability of any transaction. The Company strongly recommends that customers seek independent professional financial advice and guidance before making any investment decisions. The Company will not be liable for the customer's investment decisions, nor responsible for any potential investment losses.

11.3防洗錢及反恐限制 Anti-Money Laundering and Counter-Terrorism Financing Restrictions

客戶明白,本公司需要遵守各種防止洗錢及反恐融資的相關法律、法規和指引。這可能會導致本公司無法提供服務、簽訂或執行交易。

The customer understands that the Company is required to comply with various laws, regulations and guidelines related to anti-money laundering and counter-terrorism financing. This may result in the Company's inability to provide services, enter into or execute transactions.

客戶同意,若本公司認為客戶的實際身份不符合要求,或有理由懷疑某些交易可能違反上述防洗錢和反恐法規,本公司有權拒絕採取任何與本協議有關的行動,也無需履行任何相關義務。客戶進一步確認,本公司將優先遵守適用的防洗錢和反恐融資法律法規,即使這可能會影響到本協議的執行。

The customer agrees that if the Company believes the customer's actual identity does not meet the requirements, or has reason to suspect certain transactions may violate the aforementioned anti-money laundering and counter-terrorism laws, the Company has the right to refuse to take any action related to this agreement, and is under no obligation to fulfil any related obligations. The customer further acknowledges that the Company will prioritize compliance with applicable anti-money laundering and counter-terrorism financing laws and regulations, even if this may impact the execution of this agreement.

本公司有權根據自身判斷,採取任何必要的措施來確保自身的合規性和合法性。客戶同意,對於因此而產生的任何後果,本公司均不承擔任何責任。

The Company shall have the right, at its own discretion, to take any necessary measures to ensure its own compliance and legality. The customer agrees that the Company shall not be liable for any consequences arising from such actions.

11.4 潛在的稅務風險Potential Tax Risks

除非法律或法庭命令要求,金承不會就任何客戶交易向政府機關進行申報。然而,在相關司法管轄區內,黃金的買賣可能被視為需要申報的應課稅收入。

Unless required by law or court order, Gold X will not report any customer transactions to government authorities. However, the buying and selling of gold may be considered taxable income within the relevant jurisdiction.

如果交易涉及不同的海關管轄區,可能會面臨雙重/重複徵稅的風險。金承並不提供任何與黃金買賣相關的納稅建議。客戶有責任自行諮詢財務顧問,了解相關的稅務細節。金承不對客戶在相關司法管轄區內進行的黃金交易所產生的任何資本利得或稅務影響承擔責任。

There are risks of double/overlapping taxation when the transaction involves different customs jurisdictions. Gold X does not provide any tax advice in relation to gold purchase or sale. Customers are responsible for contacting financial advisors to understand the details. Gold X shall not be liable for any capital gains or tax implications related to the customer's gold transactions within the relevant jurisdiction.

11.5 網上交易系統風險提示 Online Trading System Risk Disclosure

所有透過本公司網上商店交易系統下單的訂單,本公司都會根據合理努力的原則盡力處理。但對於訂單執行中可能出現的錯誤、疏忽或無法執行的情況,本公司無須承擔任何責任。

All orders placed through the Company's Online Store trading system will be processed with reasonable efforts. However, the Company shall not be liable for any errors, omissions or inability to execute orders that may occur during order execution.

由於傳輸或通訊設施的故障、中斷,或任何其他本公司無法合理控制或預測的因素,而導致客戶訂單傳輸、交付或執行出現延誤,本公司也不負責賠償由此產生的任何損失。

For delays in the transmission, delivery or execution of customer orders due to failures or interruptions in transmission or communication facilities, or any other factors beyond the Company's reasonable control and foreseeability, the Company shall not be responsible for compensating any resulting losses.

本公司的網上交易系統是專門設計用於提供高效可靠的下單服務。但互聯網服務供應商並非百分之百穩定可靠,一旦出現故障,也可能影響到本公司的系統運行。客戶應充分了解,即便本公司已採取最佳措施,網上交易系統仍可能發生非本公司所能控制的故障。

The Company's online trading system is specifically designed to provide efficient and reliable order placement services. However, internet service providers are not 100% stable and reliable, and system failures on their part may also affect the operation of the Company's system. Customers should fully understand that, even though the Company has taken the best measures, the online trading system may still experience failures beyond the Company's control.

總之,對於因上述情況導致的任何直接、間接或相應損害,本公司均不承擔任何形式的賠償責任。本公司希望客戶在使用網上交易服務時,能充分了解並接受這些技術風險。

In summary, the Company shall not be liable for any direct, indirect or consequential damages caused by the above situations. The Company hopes that customers using the online trading service will fully understand and accept these technical risks.

11.6 在線帳戶訪問的安全性Security of Online Account Access

這條款表明,客戶密碼和/或用戶識別碼僅用於登錄在線帳戶時的身份驗證,並不提供任何形式的安全性或加密功能。

The Customer should be fully aware that the combination of password and/or user identification code is only used for authentication when logging into the Customer's Online Account, and does not provide any form of security or encryption.

客戶須全面認知並接受通過電子方式發送的任何指令在傳輸過程中可能遭到攔截、損害或遺失的所有風險。金承有權依賴收到的指令進行執行和提供服務。

同時,金承不對客戶通過在線帳戶或網站上的超鏈接訪問的任何第三方網站或金承自身與交易無關的網站內容負責。

The Customer accepts all risks of interception, damage or loss in transit of any instructions sent by electronic means, and Gold X is entitled to rely on such instructions as received for execution and provision of services. Gold X is not responsible for the content of any third-party websites or Gold X's own websites unrelated to the Transactions between the Company and the Customer, which the Customer accesses through hyperlinks in their Online Account or the websites.

11.7 不可抗力 Force Majeure

如因戰爭、動亂、政府行為、自然災害、電力故障、通訊中斷、電腦病毒或其他本公司無法預見和避免的不可抗力事件,導致本公司無法履行合同義務或提供正常服務,本公司不承擔任何責任。在不可抗力事件發生期間,本公司將依據實際情況采取合理措施,盡量減少對客戶的影響。一旦不可抗力事件結束,本公司將盡快恢復正常服務。

The Company shall not be liable if it is unable to fulfil its contractual obligations or provide normal services due to events of force majeure, such as war, unrest, government actions, natural disasters, power failures, communication interruptions, computer viruses or other unforeseeable and unavoidable events. During the occurrence of a force majeure event, the Company will take reasonable measures based on the actual situation to minimize the impact on customers. Once the force majeure event ends, the Company will resume normal service as soon as possible.

對於因不可抗力事件而造成的任何直接或間接損失,本公司概不負責賠償。客戶理解并接受此類風險。

The Company shall not be responsible for compensating any direct or indirect losses caused by force majeure events. Customers understand and accept such risks.

12. 其他條款 Other Terms

12.1 「金承」的記錄作為最終證據Gold X’s Records as Conclusive Evidence

金承保留的記錄應視為任何與交易（包括但不限於購買黃金或出售黃金交易、價格和費用）有關的事實或事件的最終證據。客戶必須核實交易確認單所載的所有資料。

The records kept by Gold X shall be regarded as conclusive evidence of any facts or events pertaining to Transactions (including but not limited to gold purchase or gold sale transactions, price and fees). Customers must verify all information contained on Transaction confirmation slips.

客戶簽署確認單應視為認同該單所載的所有資料均為事實和真實。客戶亦必須儘快以書面方式將任何個人資料變更(例如但不限於姓名變更或更新身分證明文件)通知金承,並提交金承可接受的所需身分證明文件及/或其他證明。

Customers’ signing of confirmation slips shall be deemed as in agreement that all information contained therein as factual and truthful. Customers must also inform Gold X of any change in personal particulars, for example but not limited to change of name or update of identification documents, as soon as practicable in writing and also submit necessary identification documents and/or other proof acceptable to Gold X.

12.2 已故客戶的處理 Deceased Customer Handling

如果客戶(個人或合夥人)身故,金承將要求獲授權的一方(例如執行人)提供客戶遺產的相關證明文件,包括但不限於死亡證明、法院命令、遺囑或信託文件,以及遺產管理資訊,以供核實之用。確認客戶身故後,金承將凍結其帳戶,並按照遺囑或遺產管理的指示處理相關事宜。獲授權的一方應遵守金承的相關程序,完成轉移授權流程。客戶應確保金承在必要時可以獲得上述文件。

If the customer (an individual or a partner in a partnership) passes away, Gold X will request the authorized party (e.g. the executor) to provide the relevant documentation of the customer's estate, including but not limited to the death certificate, court order, will or trust documents, and estate administration information for verification purposes. After confirming the customer's passing, Gold X will freeze their account and handle the matters according to the instructions in the will or estate administration. The authorized party shall comply with Gold X's related procedures to complete the transfer authorization process. The customer should ensure that Gold X can obtain the aforementioned documents when necessary.

12.3 資金的利息和費用Interest and Fees on Funds

所有直接支付給金承的款項都不會產生利息。與客戶的存款或轉賬相關的任何銀行手續費或費用,都會從客戶的帳戶餘額中扣除。

All monies paid directly to Gold X will not be interest-bearing. Any bank charges or fees related to the Customer's deposits or transfers will be deducted from the Customer's account balance.

12.4 約束力 Binding Effect

本協議對協議各方及其繼承人、法定代表和許可受讓人具有約束力。

This agreement is binding on the parties to the agreement and their successors, legal representatives and permitted assignees.

12.5 可分割性Severability

若本協議任何條款被認定無效、非法或不可執行,不影響其他條款的效力和可執行性。

If any term of this agreement is deemed invalid, illegal or unenforceable, it will not affect the validity and enforceability of the other terms.

12.6 最終決定權Final Decision

如有任何爭議發生,金承保留最終決定權。

In the event of any dispute, Gold X reserves the right to make the final decision.

12.7 語言 Language

如本協議的中英文版本之間存在任何不一致或衝突，一概以英文版本為準。

If there is any inconsistency or conflict between the Chinese and English versions of this agreement, the English version shall prevail.

12.8 管轄法律及司法管轄權 Governing Law and Jurisdiction

本協議受香港法律管轄並根據香港法律解釋。雙方同意,將所有與本協議相關的事項或爭議提交至香港法院(而非擁有獨有司法管轄權的其他法院),並接受其管轄,除非本協議另有規定。

This agreement is governed by and interpreted in accordance with the laws of Hong Kong. The parties agree to submit all matters or disputes related to this agreement to the courts of Hong Kong (rather than the courts with exclusive jurisdiction), and accept their jurisdiction, unless otherwise specified in this agreement.

其他司法管轄區的判決和裁決如果與上述司法管轄條款不一致,可能無法為當事人提供與香港相同程度的權利保護,並有可能由於特定情況而無法在香港得到認可或執行。例如,任何與此實物黃金租賃交易有關的在中國內地進行的訴訟和判決,都將不會被香港法院所認可或執行,因為這將違反內地與香港之間《民商事判決相互認可及執行安排》下雙方約定的司法管轄要求。

Other jurisdictions' judgments and rulings that go against the above jurisdiction clause may not provide the same level of protection for the litigant's rights as in Hong Kong, and risk not being recognized or enforced in Hong Kong due to specific circumstances. For example, any litigation and judgments on disputes related to this physical gold leasing transaction in Mainland China would not be recognized or enforced by the Hong Kong courts, as they would breach the requirements for the parties' agreed jurisdiction under the Arrangement for Mutual Recognition and Enforcement of Civil and Commercial Judgments between the Mainland and Hong Kong.

由於不同司法管轄區的基本法律概念存在差異,同一潛在爭議可能在不同預測規則下得出不同的判決結果,即使判決相同,執行內容也可能有所不同。因此,如果客戶不確定適用於實物黃金租賃交易的香港法律,應當諮詢獨立的法律專業人士。

Given the differences in underlying legal concepts between jurisdictions, the same potential dispute may result in different judgement outcomes under different prediction rules, and even with the same judgement, the performance content may vary. Therefore, if the Customer is unsure about the Hong Kong laws applicable to the physical gold leasing transaction, they should consult an independent legal professional.