1. Use of this Website

These terms of use (“Terms of Use”) set out the terms on which you as a user use the internet location and all pages and content located at www.lendicate-group.com (the “Website”).

Please read these Terms of Use carefully. In accessing the Website in any manner, you hereby agree to comply with and be bound by these Terms of Use and all other legal notices on the Website as updated from time to time by us in our discretion (the “Website Agreements”). If there is a conflict or inconsistency between two or more versions of a Website Agreement to which you have agreed or been deemed to agree, the terms and conditions in the most recent version shall take precedence unless otherwise expressly stated. If you disagree with any Website Agreement as updated, you must promptly discontinue your access to or use of the Website.

The Website is owned by Lendicate Limited, a company incorporated under the laws of Hong Kong. The Website is owned and operated by Lendicate Limited. (“Lendicate”, “we”, “us”).

We reserve the right to refuse access to or use of the Website to anyone and to reject, cancel, interrupt, remove, or suspend any campaign, contribution, or access to or use of the same generally, at any time and without notice for any reason without liability.

2. Privacy

We will handle your personal data collected via this Website in accordance with our Privacy Policy which may be amended or replaced from time to time.

Please read our Privacy Policy carefully before providing any of your personal data via this Website. By using this Website, you acknowledge that you have read and understood our Privacy Policy and consent to our handling of your personal data (including sensitive personal data) in accordance with our Privacy Policy.

To protect the privacy and confidentiality of you and others, please consider carefully before you provide any private or confidential information of any person.

3. Restricted Access

This Website are not directed at or intended for distribution to or use by any individual or entity who is a citizen or resident of (or located or established in) any jurisdiction where the access to or use of the Website would be contrary to applicable law or regulation or would subject us to any registration or licensing requirement in such jurisdiction. Your ability to access the Website is not, and shall not be construed as, any act or omission that would contravene such law or regulation; representation that such registration or license has been obtained; or attempt to circumvent any registration or licensing requirement by us. Persons who wish to access this Website are required by us to inform themselves of and to observe any legal or regulatory restrictions which may affect their eligibility to access the Website. Professional advice should be sought from a financial or other professional adviser regarding the suitability of any investments.

Nothing on this Website constitutes an offer, promotion, recommendation, inducement, solicitation, or invitation to subscribe for or acquire Securities (as defined below) in any jurisdiction in which such offer, promotion, recommendation, inducement, solicitation, or invitation is unlawful or unauthorised, and is not made or intended to be made to any person to whom it would be unlawful to make such offer, promotion, recommendation, inducement, solicitation, or invitation. No action has been or will be taken under any legislation or regulation of any jurisdiction in order to permit any public offering of Securities. The accessibility and usage of this Website, the viewing of offers lawfully made via this Website, and the subscription or acquisition of Securities that are the subject of an offer lawfully made via this Website in certain jurisdictions may be restricted by the relevant laws in such jurisdictions.

4. Relationship to Other Agreements

These Terms of Use shall be read together with our Privacy Policy and any other agreement(s) that you agree or are deemed to be bound by in the course of your use of the Website, or our platform, and will collectively govern your use of and access to the same. If there is a conflict between any of these agreements, the latest of the agreements into which you have entered shall take precedence. Each time you use our Website, you represent, warrant, and undertake to (i) accept, comply with, and be bound by these Terms of Use and (ii) comply with all applicable laws, regulations, and rules in relation to your access to and use of the Website.

5. Age of Consent

If you are a natural person, you acknowledge that you have read and understood these Terms of Use and that you are at least 18 years old. Users under 18 years of age are not eligible to use the Website without the consent and supervision of a parent or legal guardian who is at least 18 years old, provided such parent or legal guardian also agrees to be bound by the Terms of Use and agrees to be responsible for such use of our Website.

If you are using our Website on behalf of a legal entity, you warrant that you have the right to enter into agreements on behalf of such legal entity and otherwise represent such legal entity in all your interactions with us.

6. Intellectual Property

The trademarks, service marks, trade names, and logos used and displayed on the Website (the “Trade Marks”), are registered and unregistered trademarks of Lendicate, our related corporations, or third parties. Nothing on this Website should be construed as granting, by implication, estoppel, or otherwise, any licence or right to use any Trade Marks displayed on the Website, without our written permission or any other applicable trademark owner. The name of Lendicate may not be used in any way without our prior written permission.

The Website may include, at any given time, content, information, applications, programmes, text, graphics, logos, icons, images, sound clips, video clips, data compilations, or other materials displayed herein, as well as the Website’s page layout, underlying code, and software (collectively, the “Content”). All of the Content is our property or licensed by us, our related corporations, or third parties with whom we do business, and is protected by international intellectual property laws and other relevant laws. You may not reproduce, republish, copy, display, broadcast, hyperlink, mirror, frame, transfer, transmit, distribute, store, or in any other fashion re-use or distribute the Content in any manner or by any means unless otherwise indicated on the Website or unless given express written permission to do so by us.

7. Use of Cookies

We use cookies on this Website. “Cookies”, including cookies, pixels and similar technology, are information automatically stored on your computer or any device using to access this Website that can be retrieved later by this Website. Cookies allow us to recognise your computer or any device using to access this Website and record information about your use of this Website. This enables us to analyse the number of visitors, the general usage patterns and your personal usage patterns to improve your user experience by behavioural analysis and personal profiling.

Most internet browsers are initially set to accept cookies. If you wish to amend your cookie preference for this Website, you can do this by changing the settings on your internet browser. Please note that if you block all cookies, including strictly necessary cookies, certain features on this Website may not work properly.

8. Disclaimer of Liability

Although we have taken care in preparing the content and information contained in this Website, such content and information are provided on an “as is” basis. We do not make any warranty or representation (express, implied, or otherwise) as to the accessibility, quality, suitability, accuracy, adequacy, fitness for use, or completeness of the Website, and expressly disclaims any and all liability for errors, delays, or omissions in the Website as well as for any consequences resulting directly or indirectly therefrom. No warranty of any kind, whether implied, express, or statutory, including the warranties of non-infringement of third party rights, title, merchantability, satisfactory quality, or fitness for a particular purpose, is given or may be implied in conjunction with the Website. Further, no warranty is given that the Website are free from any computer virus or other malicious, destructive, or corrupting code, agent, program, or macros.

9. Your Liabilities and Indemnities

You will be liable for all our direct and indirect losses if you have acted fraudulently when accessing or using this Website.

You will indemnify, hold harmless and defend us against any liabilities and costs we suffer as a result of the use of our Website and the breach of these Terms of Use by you or any other person using the Website with or without authority.

10. Severability

In the event that any provision of any Website Agreement is found to be or become unlawful, invalid, or otherwise unenforceable, that provision is to be deemed severed from the relevant Website Agreement and shall not affect the legality, validity, and enforceability of the remaining provisions of the relevant Website Agreement. The relevant Website Agreement shall continue in force as if such unlawful, invalid or unenforceable provision was severed from the same.

11. No Waiver

Any failure or delay by yourself or us in exercising or enforcing any right or remedy contained in this Terms of Use does not constitute a waiver by the party responsible for such delay or failure. It shall also not constitute a bar to the exercise or enforcement at any subsequent time or times. Waiver of any right arising from a breach or non-performance of this Terms of Use or arising upon default under this Terms of Use shall be in writing and signed by the party granting the waiver.

12. Communications

If you wish to communicate with us about anything related to this Terms of Use, you may do so by sending an email to [email protected].

13. Choice of Law

These Terms of Use, and the relationship between you and us created by it, shall be governed by and construed in accordance with the laws of Hong Kong. Unless expressly stated otherwise in any other Website Agreement, such Website Agreement shall also be governed by and construed in accordance with the laws of Hong Kong.

14. Dispute Resolution

You agree to submit to the exclusive jurisdiction of the courts of Hong Kong in relation to any dispute arising out of or in connection with this Terms of Use. Unless expressly stated otherwise in any other Website Agreement, any dispute arising out of or in connection with such Website Agreement shall likewise be subject to the exclusive jurisdiction of the courts of Hong Kong.

15. Rights of Third Parties

A person who is not a party to this Terms of Use shall have no right under the Contracts (Rights of Third Parties) Ordinance Act (Chapter 623, Laws of Hong Kong) or any similar legislation in any jurisdiction to enforce any term of this Terms of Use, regardless of whether such person or entity has been identified by name, as a member of a class, or as answering a particular description. For the avoidance of doubt, nothing in this provision shall affect the rights of any permitted assignee or transferee of this Terms of Use.

16. Interpretation

Any reference in this Terms of Use to any provision of a statute shall be construed as a reference to that provision as amended, re-enacted, or extended at the relevant time. In this Terms of Use, whenever the words “include”, “includes”, or “including” are used, they will be deemed to be followed by the words “without limitation”. Unless expressly indicated otherwise, all references to a number of days mean calendar days. Section headings are inserted for convenience only and shall not affect the interpretation of this Terms of Use.