JoySpender

使用條款

本部分列明本網站（本網站及其連接及網頁統稱「網站」）的使用條款，每當我們使用 "JoySpender"、"我們"和"我們的"時，它是指JoySpender Limited。本條款及細則中凡是提及「閣下」、「閣下的」，泛指任何使用本網站之人士。

本網站的瀏覽及使用是受本條款及細則及我們的隱私政策所限制。閣下通過任何直接或間接方式訪問、瀏覽或使用本網站及其任何網頁，或通過其他方法（例如電話、郵件、電子郵件或傳真）使用網站內提供的商品、設施或服務，即視為閣下同意遵守本條款及細則及我們的隱私政策及對其不時之修改。

倘若閣下不接納本條款及細則及我們的隱私政策，請立即停止使用本網站。如閣下不接納本條款及細則，閣下瀏覽及使用本網站的權利將會被即時終止。

我們運營本網站，並有權隨時更改或終止網站的任何服務或功能，並有權修改適用於網站使用者的條款及條件，包括本使用條款或本網站的任何部分。此類更改、修改、添加或刪除會在網站上發佈後立即生效。閣下使用本網站或通過本網站提供的產品、設施或服務，應視為接受所有更改。

我們的服務

我們是一個獨立的比較網站，為香港客戶提供各種金融產品和服務的比較。我們與第三方服務供應商，包括銀行、金融服務公司、保險公司、機構和其他提供產品、價格和其他資料的金融服務仲介機構合作，為閣下提供全面的比較。我們網站上註明的所有價格均為港幣（除非另有說明）。 JoySpender及其在香港的用戶之間的任何關係或合同均受香港現行法律管轄。

本網站資訊

本網站所提供的第三方金融產品及服務資料均由相關第三方供應商提供。本網站所載的資料，以及與所提供的產品和服務有關的所有資料，均不代表本網站。因此，本網站所載的資料不應視為本網站所載個別條款及條件的完整描述。閣下有責任作出判斷本網站所提供的所有資料均準確可靠。

如果網站上的資料、信息、數據、知識(包括但不限於來自第三方的資料、信息、數據、知識)不準確，或該等數據、材料和信息存在任何錯誤或遺漏，我們將不承擔(直接或間接)責任。請注意，這些信息可能是不準確的、不完整的或過時的。

本網站所提供的資料並不構成任何特定產品或服務的要約。如果閣下決定通過我們的網站向第三方提供商查詢或購買金融產品或服務，閣下將負責支付與閣下的申請相關的任何結算或結算費用。

通過向我們提供閣下的個人詳細信息，閣下是在建議向相關第三方索取相關產品或服務的報價，並根據第三方的條款和條件(如果有的話)進行報價。閣下可能向我們提供的數據和其他信息不屬於，也不應被視為貸款、保險產品的申請，或預先批核、資格預審或任何類似概念的申請。我們不保證任何特定的貸款計畫或特定貸款條款或條件與任何貸款人會接納申請。

商標和版權

網站以及我們在網站上顯示的資料，內容，材料或數據中的商標，版權，數據庫權利和其他知識產權屬於我們或我們的許可人。除非獲得我們的書面許可，否則閣下不得使用此類信息或版權材料。

閣下可以暫時列印、複製、下載或存儲網站上顯示的資訊、內容、材料或資料，供閣下個人、非商業使用，前提是閣下不違反本條款及條件。

www.joyspender.com的擁有權利歸我們所有。

本網站資訊

第三方網站

閣下對任何供應商網站的使用以及對任何產品的獲取均應遵守供應商自身的條款和條件。在申請任何產品之前，請務必仔細閱讀隨附的條款和條件，供應商的條款和條件以及適用於該產品的任何其他文檔。

在本網站或在電子郵件中提供的任何第三方網站鏈接僅供閣下的興趣和方便。由於我們不擁有此類第三方網站和不能控制其運營，我們不對此類第三方，其產品或服務，其網站或此類第三方供應的任何資料，意見或觀點或提供的建議承擔任何責任。

閣下對任何第三方網站的使用受該網站的條款及條件及隱私政策的管制。此類條款及條件及隱私政策可能與本條款和條例，以及我們以下隱私政策完全不同。使用該網站之前，閣下有責任閱讀並了解相關第三方網站的條款及條件及隱私政策。對於閣下由於任何第三方網站的條款與條例或隱私政策而可能遭受或招致的任何損失或傷害，就第三方的條款與條件和/或隱私政策而導致的任何後果，我們不承擔任何責任或直接（間接）負責，也不對任何行為，遺漏、錯誤或違約負責

免責聲明

在任何情況下，JoySpender和我們的董事，高級管理人員，成員，僱員，代表和關聯公司均不對閣下承擔任何責任，也不對由於任何形式，包括直接，間接或懲罰性損害負責，無論是否已向JoySpender告知此類損害的可能性。

對於閣下可能遭受的任何損失或損害，我們不承擔任何責任或責任：

閣下在網站上供應的任何資訊、內容、材料或資料不正確、完整和準確，或者誤導他人，或者閣下未能披露所有相關事實；
關於在本網站或閣下可能通過任何其他網站上顯示本網站的任何產品、服務或評論的準確性或內容有關；
任何第三方與該產品或服務有關的任何行為、疏忽、錯誤或違約；
因無法瀏覽網站，從網站的任何使用或依賴於通過網站傳輸的數據而導致的損失或損害，均是超出我們合理控制（包括電子傳輸性質）

我們不保證網站免受電腦病毒或任何其他技術問題影響，而導致任何損害。

閣下的責任

閣下有責任採取一切必要的預防措施，以確保：

閣下提供的所有數據，內容，資料或信息均不含病毒，間諜軟件，惡意軟件以及任何可能對本網站或第三方網站的任何部分造成損害或破壞性影響的內容；
個人資料和設備得到充分保護和備份；
確保閣下的個人資料，我們用來識別閣下進行本網站中某些交易，免受未經授權的使用

我們不負責或確認可能與本網站連接或應用的第三方軟體件商的準確性、功能和性能。

如中、英文兩個版本有任何歧義，當以英文版為準。

投訴機制

我們致力於為閣下提供優質的服務，我們非常感謝閣下的光顧，也致力提高我們的服務質量素。如果閣下對我們的產品或服務有任何意見或投訴，請致電 2568 9338 聯繫我們的客戶服務團隊，或發送電子郵件(enquiry@joyspender.com)至我們的投訴專員。

我們承諾在收到閣下的詢問後2個工作日內提供書面確認，並在10個工作日內作出書面答覆。如果閣下希望就投訴結果作進一步跟進，閣下可以再次聯絡我們。

所有版權均由JoySpender擁有的任何部分或全部複製或複製本網站任何部分（包括信息，樣式，圖形，腳本）的嘗試均受版權法保護。任何被發現違反的人將受到法律的最大起訴。現在，我們已經完成了手續，感謝閣下使用JoySpender！

所有版權均由JoySpender擁有，網站內容（包括資料，樣式，圖形，腳本）均受版權法保護。任何人意圖抄襲或複製部分或全部網站，違返版權法者將受到法律。

現在，我們已經完成了解說，感謝閣下使用JoySpender！

Terms of Use

In the Terms of Use stated herein ("Terms of Use"), whenever we use "JoySpender", "us", "we" and "our", it refers to JoySpender, collectively, and "you" and "your" refers to anyone who uses this Website.

By accessing, browsing or using this Website, and the Websites of the below listed companies, divisions or service groups, or any page thereof, through any direct or indirect means (individually or collectively, "Websites" or "Website"), or by using the goods, facilities or services offered in or through the Websites through alternative methods (including, for example, telephone, mail, email or facsimile), you accept and agree to be bound by these Terms of Use (the terms "Website" and "Websites" include use through these alternative methods).

If you do not agree to these terms and conditions, you are not authorized to access or use the Websites and you are to cease accessing or otherwise using the Websites.

We operate the Websites and shall have the right at any time to change or discontinue any aspect or feature of the Websites and the right to modify the terms and conditions applicable to users of the Websites, including these Terms of Use, or any part hereof. Such changes, modification, additions or deletions shall be effective immediately upon posting on the Websites. Any use by you of the Websites or the goods, facilities or services offered in or through the Websites shall be deemed to constitute acceptance of such changes.

Our Services

We compare various financial products and services for customers in Hong Kong. We work with third party financial providers including banks, financial services companies, insurance companies, institutions and other financial services intermediaries which provide product specifications, prices and other data to generate a comprehensive comparison for Hong Kong customers. All prices stated on our Website are on Hong Kong dollar unless otherwise stated. Any relationship or contract between JoySpender and its user in Hong Kong is governed by the prevailing Hong Kong laws.

The Information about this Website

The information of third party financial products and services presented on this Website are wholly provided by the relevant third party providers. The information on this Website and all materials pertaining to products and services on offer are not representative of, and thus must not be treated as the complete description of the particular products and services and their individual terms and conditions. It is your sole responsibility to judge and to ensure all details and information provided on this Website are to be found accurate and reliable.

We would not be held accountable (directly or indirectly) if the information, material, data and knowledge on the Website, including but not limited to that from a third party, is inaccurate, or if there are any errors or omissions within such data, material and information. Bear in mind that such information could be inaccurate, incomplete or out of date.

The information presented on the Website does not constitute as an offer, solicitation or recommendation of any of the specified products or services shown. Should you decide to inquire or purchase financial products or services from third party providers on/through our websites, you will be responsible for paying for any settlement or closing costs associated with your application.

By giving us your personal details, you are making a proposal to request for a quote for the relevant product or service from the relevant third party based on its terms and conditions, if any. The data and other information you may provide us is not and should not be deemed as an application for a loan, insurance product or a request to be pre-approved, pre-qualified or any similar concept. We do not guarantee acceptance into any particular financial program or specific financial terms and conditions with any provider.

Trademarks and Copyright

The trademarks, copyright, database rights and other intellectual property rights in the Websites and in the information, content, material or data that we display on the Websites belong to us or our licensors and all such rights are reserved. You must not use such information or copyright material unless you have written permission from us to do so.

You may temporarily print, copy, download or store extracts of information, content, material or data displayed on the Websites for your own personal, non-commercial use, provided you do not otherwise breach these Terms and Conditions.

All rights in www.joyspender.com is owned by us.

Third Party Websites

Your use of any provider websites and your obtaining of any products will be subject to the provider's own terms and conditions. It is very important before you apply for any product that you carefully read the accompanying terms and conditions, the provider's terms and conditions and any other documentation that applies to the product.

Any links to third party websites on our Websites or in our emails are provided for your interest and convenience only. These websites are owned and operated by third parties over whom we do not have control. We do not endorse or accept responsibility for such third parties, their products or services, their websites or for any information, opinions or views given or advice provided by such third parties.

Your use of any third party website is regulated by the terms and conditions and privacy policy of that website. Such terms and conditions and privacy policy may totally differ from these Terms and Conditions and our Privacy Policy hereinafter. It is your responsibility to go through the terms and conditions and privacy policy of the relevant third party websites before using that website. We are not responsible or to be blamed (directly or indirectly) for any loss or harm you may suffer or incur due to the terms and conditions or the privacy policy of any third party website or for any acts, omissions, errors or defaults of any third party as a result of their terms and conditions and/or privacy policy.

Limitations of Liability

In no event will JoySpender and our directors, officers, members, employees, representatives and affiliates, be liable to you or be held accountable for any incidental, special, consequential, direct, indirect, or punitive damages of any kind from warranty, contract, tort (including negligence), statute, or any other legal theory, whether or not JoySpender has been informed of the possibility of such damage.

We do not accept any responsibility or liability for any loss or damage you may incur:

if any information, content, material or data you provide on the Websites is not correct, complete and accurate, or if it is misleading, or if you fail to disclose all relevant facts;
in connection with the accuracy or content of any reviews of products or services displayed on our Website or on any other websites that you may access via our Website;
for any acts, omissions, errors or defaults of any third party in connection with that product or service;
arising from an inability to access the Websites, from any use of the Websites or from reliance on the data transmitted using the Websites where such losses or damages are caused by any event beyond our reasonable control including as a result of the nature of electronic transmission of data over the internet;

We do not give any warranty that the Websites are free from viruses or anything else which may have a harmful effect on any technology.

Your Responsibilities

You have the sole responsibility to take all necessary precautions to ensure:

all data, content, material or information you offer are free from viruses, spyware, malicious software and anything which can have a contaminating, harmful or damaging impact on any part of this Website or the websites of third parties;
personal data and equipment are adequately protected and backed up;
your personal information, which we use to identify you for conducting certain transactions available in this Website, are secured from unauthorized use;

We do not represent or confirm the accuracy, functionality and performance of any third party software that may be used in connection with this Website.

Complaint regarding Insurance

We are dedicated to providing quality services to you and we may appreciate your feedback to excel our services. If you have any comments or complaints about our products or services, please contact our Customer Services Team at 2568 9338 or enquiry@joyspender.com.

We commit to provide you with a written acknowledgement within 2 working days and a written reply within 10 working days upon receipt of your enquiry.

If you have further comments on the result of your complaint, you may contact us again.

All copyrights are held by Catapult Ventures Pte. Ltd., any attempts to copy or reproduce any portion of this site (including information, styles, graphics, scripts) in part or in whole is protected by the copyright law. Anyone found in violation will be prosecuted to the fullest extent of the law.

Now that we’re done with the formalities, thank you for using JoySpender and we hope you find it useful!