Terms & Conditions 條款及細則

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of the Capital Grand Investment Limited website and services. By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree with any part of these Terms, you must not use our website or services.

2. Definitions

• "Company", "we", "us", "our": Capital Grand Investment Limited (CR No. 0885847)
• "Client", "you", "your": The person or entity accessing our services
• "Services": Wealth management, financial planning, estate planning, and business valuation services
• "Website": www.capitalgrand.hk and all associated subdomains
• "SFC": Securities and Futures Commission of Hong Kong

3. Eligibility and Client Classification

Our services are available only to:

• Professional Investors: As defined under Part 1 of Schedule 1 to the Securities and Futures Ordinance
• Institutional Clients: Corporations, partnerships, and entities with investment portfolios exceeding HKD 8 million
• Self-Certified High-Net-Worth Individuals: Individuals with a portfolio of at least HKD 8 million or annual income exceeding HKD 1 million

By engaging our services, you represent and warrant that you meet at least one of the above criteria.

4. No Retail Services

We do NOT provide services to retail investors or members of the general public. Nothing on this website constitutes:

• An offer or solicitation to retail investors
• Financial product advice for retail purposes
• A recommendation to acquire any financial product
• General investment advice for the public

5. Risk Disclosure

All investments carry inherent risks, including:

• Market Risk: Value fluctuations due to market conditions
• Credit Risk: Potential default by issuers
• Liquidity Risk: Difficulty selling investments at desired prices
• Currency Risk: Exchange rate fluctuations
• Capital Loss: Potential loss of principal investment

Past performance is not indicative of future results. You should carefully consider your investment objectives, risk tolerance, and financial situation before making investment decisions.

6. Service Provision

Our services are provided on a:

• Non-Advisory Basis: Unless explicitly agreed in writing, our services are execution-only
• Best Efforts Basis: We will use reasonable skill and care but do not guarantee specific outcomes
• Fee-Based Structure: Fees will be disclosed and agreed upon before service commencement

7. Client Responsibilities

As a client, you are responsible for:

• Providing accurate and complete information during onboarding
• Conducting your own due diligence before making investment decisions
• Understanding the risks associated with proposed investments
• Seeking independent professional advice (legal, tax, accounting) as needed
• Notifying us promptly of any changes to your circumstances

8. Regulatory Compliance

Capital Grand Investment Limited operates under the regulatory framework of the Hong Kong Securities and Futures Commission. We comply with:

• Securities and Futures Ordinance (Cap. 571)
• Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615)
• Personal Data (Privacy) Ordinance (Cap. 486)
• Companies Ordinance (Cap. 622)

9. Know Your Client (KYC) and Due Diligence

Before providing services, we are required to:

• Verify your identity and address
• Assess your financial circumstances and investment objectives
• Conduct ongoing monitoring of your account and transactions
• Request additional documentation as needed for compliance purposes

Failure to provide requested information may result in suspension or termination of services.

10. Conflicts of Interest

We maintain policies to identify and manage conflicts of interest. Where conflicts cannot be avoided, we will:

• Disclose such conflicts to you in writing
• Obtain your informed consent before proceeding
• Ensure fair treatment of all clients

11. Fees and Charges

Our fee structure will be disclosed to you before engagement. Fees may include:

• Management fees (typically percentage of assets under management)
• Performance fees (if applicable)
• Transaction fees and third-party costs
• Consultation and advisory fees

All fees are exclusive of applicable taxes and will be invoiced as agreed.

12. Confidentiality

We will maintain the confidentiality of your information, except where disclosure is:

• Required by law or regulatory authorities
• Necessary to provide services (e.g., to third-party service providers)
• Authorized by you in writing

13. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Capital Grand Investment Limited and is protected by Hong Kong and international copyright laws.

You may not reproduce, distribute, or create derivative works without our prior written consent.

14. Website Use and Restrictions

You agree not to:

• Use the website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit viruses or malicious code
• Scrape or harvest data from the website
• Impersonate any person or entity

15. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of such websites. Access to third-party sites is at your own risk.

16. Disclaimers

No Warranties: The website and services are provided "as is" without warranties of any kind, express or implied.

No Investment Guarantee: We do not guarantee investment returns or protection against losses.

Information Accuracy: While we strive for accuracy, we do not warrant that all information on the website is complete, accurate, or up-to-date.

17. Limitation of Liability

To the maximum extent permitted by Hong Kong law, Capital Grand Investment Limited shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, revenue, or business opportunities
• Investment losses resulting from market conditions
• Errors or delays in information transmission

Our total liability shall not exceed the fees paid by you for the specific service in question.

18. Indemnification

You agree to indemnify and hold harmless Capital Grand Investment Limited, its directors, officers, and employees from any claims, losses, or damages arising from:

• Your breach of these Terms
• Your violation of any law or regulation
• Your use of our services
• Any false or misleading information you provide

19. Termination

Either party may terminate the service relationship by providing written notice as specified in your service agreement. We reserve the right to terminate services immediately if:

• You breach these Terms
• You fail to provide required documentation
• We suspect fraudulent or illegal activity
• Continuation would violate regulatory requirements

20. Amendments

We may amend these Terms at any time by posting updated Terms on our website. Your continued use of our services after such changes constitutes acceptance of the amended Terms.

21. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Hong Kong.

22. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

23. Entire Agreement

These Terms, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and Capital Grand Investment Limited regarding the use of our services.

24. Contact Information

For questions regarding these Terms, please contact:

Capital Grand Investment Limited
Room 8-9, 9/F., Tower 1, W Mega
250-252 Texaco Road, Tsuen Wan, New Territories, Hong Kong
Email: info@capitalgrandinvestment.com
Phone: +852 1234 5678