條款及細則
MQMaster.com (「本網站」)是由Global Data Management Company Limited ('GDMCL')所持有且運營。
本條款及細則中凡是提及「Global」、「我們」、「我們的」 等，泛指「GDMCL」
總則
瀏覽與使用本網站時必須遵守這些條款及細則和我們的私隱政策。當您瀏覽或使用本網站即表示您同意遵守這些條款及細則以及我們的私隱政策。 如果您未能遵守本條款及細則 , 您瀏覽與使用本網站的權利可能會被立即終止而不獲另行通知。
當您成功註冊成為我們的會員 , 我們將以短訊形式發送6位數字的驗證碼到您登記的手提電話號碼。在您成功輸入該驗證碼到本網站中指定的欄位後，您的帳戶將會被啟動。
我們的服務指導說明將於本網站顯示。
本條款及細則可能會在不通知您的情況下不時修改，而有關條款及細則的修訂將會公佈並顯示在我們的網站。 當您瀏覽本網站或使用本網站提供的任何服務時，您將被視為已經接受了最新版本的條款及細則。這些條款及細則可能會隨時修改，我們將會稱之為「條款及細則」。
當您每次瀏覽本網站或使用本網站提供的任何服務前，建議您先查閱我們的「條款及細則」。
我們的服務
在您成功註冊成為我們的會員並同意接受本條款及細則後 , 您可免費使用我們在本網站上尊為會員而設的最新服務。
債務分析
我們亦會為您分析目前的負債情況。只要您提供並輸入您目前的負債資料 ( 包括但不限於債務性質、貸款結欠、利率、餘下還款期數和還款金額）給我們的「分析系統」，我們將會預計清還債項的所需時間並充分利您的財務資源以建議合理的解決方案。
您註冊成為我們的會員後，將為您提供以下服務：-
1） 搜尋引擎
根據會員的個人概況、要求及指示搜尋我們業務合作夥伴所提供的合適的產品和服務。搜索結果主要基於會員設置的標準適用性。
2） 我們業務合作夥伴提供的獨家優惠
會員可以通過本網站從我們的業務合作夥伴獲得信貸產品或獨家優惠。上述優惠包括利率折扣、獎勵性禮品券、特快審批服務等。請注意，我們不代表任何金融機構提供信貸產品或服務，也不是貸款中介媒介。
本網站所顯示的內容不能作為任何信貸產品或服務的財務建議或推介。此網站上的資訊可以幫您選擇最適合您的信貸產品或服務。如果需要，我們強烈建議您尋求獨立和專業的意見，以確保是您利益最大化的信貸產品或服務的適用性。
我們也特別提醒您，在這個網站上的任何資訊不應視為我們對您使用任何信貸產品或服務的推介或建議，或任何您和業務合作夥伴就任何信貸產品或服務簽訂合約的推介或建議。通過您向我們提供的個人資訊，您同意我們為您提供我們網站所列明的服務。根據我們業務合作夥伴的條款及細則，您將自主決定是否與我們的業務合作夥伴簽訂任何相關合同。
為您提供無間斷的服務，是我們的主要目標。然而，因為技術或我們無法控制的原因，我們不能保證您可毫不間斷地使用本網站。我們也保留在未來我們認為適當的時候暫停或終止您隨時瀏覽本網站的權利。
請注意，關於本網站內容，我們可以隨時修改或更改本網站所顯示的任何資料、內容或資訊。
收取費用
我們或許會從我們的業務合作夥伴獲得廣告費用。然而，從我們的業務合作夥伴收取的任何費用不會影響我們的業務合作夥伴向您提供優質報價。換言之，業務合作夥伴在為您批核信貸產品或服務時，將不收取您額外費用。
我們在本網站的角色
在本網站顯示的任何資訊和有關我們業務合作夥伴提供的信貸產品和服務的材料，並不代表且不視為特定和個別條款及細則的完整描述，或該產品或服務的精確內容。我們業務合作夥伴所提供的信貸產品或服務的條款及細則，由您自主選擇。
請注意，您在本網站提交資訊的行為並不會被視為接受我們的業務合作夥伴所提供的任何信貸產品或服務。本網站的任何內容均不會視為對使用者執行上述任何行為的邀約。
在您和我們的業務合作夥伴簽訂任何合同或協定之前，您必須閱讀並接受所有適用的條款及細則。
本網站的使用權限
您僅可以個人用途個瀏覽和使用本網站，這意味著該網站只能由您以個人名義瀏覽和在使用。除了本段提及的對本網站使用範圍，嚴格禁止其他類型的瀏覽和使用。
具體而言，您不允許在以下任何情況下使用本網站：
- 非法、不正當的使用或者出於商業目的使用本網站服務；
- 對他人或業務進行傷害、虐待、羞辱、詆毀、誹謗、威脅、恐嚇或騷擾或以其他方式（將由我們全權決定），或通過粗俗、無禮、仇恨、不雅、不合適、令人反感、不可接受、歧視性或破壞性的方式侵犯他人私隱；
- 對自己或他人的資料庫、記錄或目錄進行生成、檢查、確認、更新、修改或變更；
- 更改或顛倒本網站的任何部分，以獲得任何商業收益或盈利；
- 在某種程度上（將由我們全權決定），干擾、破壞我們的通信和技術系統或對其施加不合理或不成比例重負。
智慧財產權
本網站所顯示資訊的所有智慧財產權、所有權和信譽屬於MQMaster.com或其許可方。如果您符合以下條件，您可以列印、複製、轉移或存儲本網站上顯示的資訊或材料的摘錄，以供您個人使用（但並非其他用途）：
- 未經我們的書面許可，上述資訊不能用於任何業務或商業用途。上述權利不能出售或轉讓給任何合作商户，無論是否藉此獲得利益；
- 您不可修改或變更本網站上的任何此類資訊或材料。未經我們書面同意，不可在另一網站上引用、複製、出版或顯示；
- 所有在本網站的智慧財產權，如專利、商標、域名名稱、資料、電源和軟體代碼，（在所有情況下，無論是否註冊），歸我們或我們的許可人所有，該權利始終保留。
- 本網站上顯示的圖片、徽標、商標或服務標章受適用的智慧財產權法保護。
未經我們書面同意，所有顯示在本網站上的內容、材料或資訊均不可使用、複製、出版、引用或發行。
排他條款
我們一直盡最大努力以確保網站上所顯示的資訊的正確性。然而，如果本網站上顯示的資訊或材料，包括但不限於從我們的業務合作夥伴獲得的資訊或資料，是錯誤，或其中存在任何錯誤或遺漏，我們概不負責。本網站上無論是由我們的業務合作夥伴還是任何合作商户提供任何材料或資訊出現錯誤，我們概不負責。您同意我們不以任何方式提供任何擔保或聲稱本網站或本網站的任何資訊不受病毒干擾。
請注意，因無法瀏覽網站和使用範圍超出我們的控制而引起的任何直接或間接的損失或損害，我們概不負責。由於您的瀏覽或使用本網站而對您產生的不可預估的任何間接損失或損害，我們概不負責。
我們的業務合作夥伴給出的任何報價將由您和我們的業務合作夥伴負責。因此，您將全權負責關於您對我們業務合作夥伴提供的信貸產品或服務所做的選擇。因您與我們的業務合作夥伴為您提供信貸產品或服務而簽訂的合同所產生的任何損失或損害，我們概不負責。
由您決定並選擇是否使用或接受任何我們的業務合作夥伴的信貸產品或服務，並遵守其私隱政策和條款及細則的規定。在使用本網站之前，請您了解業務合作夥伴相關的條款及細則和私隱政策。因您根據我們的業務合作夥伴的條款及細則簽訂合同所產生的任何損失或損害，我們概不負責。
投訴方式
我們旨在向我們所有的客戶/會員提供高水準服務，但若您想投訴我們的任何服務，您可以致電2584 7188 或寫信至：
MQMaster.com
香港九龍觀塘鴻圖道51號保華企業中心23樓，2302室
我們處理投訴的工作時間是週一至週五早上9：00到下午6:00，星期六至下午1:00，公眾假期休息除外。
請注意，如果您的投訴與我們的業務合作夥伴提供的任何信貸產品或服務有關，我們不能代表我們的業務合作夥伴回應投訴。如果您想投訴我們的業務合作夥伴，我們建議您瀏覽他們各自的網站。
個人資料的瀏覽權
您有權在任何時間要求瀏覽我們持有您的個人資料，和對任何此類個人資料更新或更正。有關詳情，請參閱我們的網站上列出的聯絡方式。
貴方責任
有關本網站的使用，您同意瀏覽本網站的時候，將採取所有合理的步驟確認和保證您的用戶名和密碼的保密性。您不得分享或允許他人代表您使用您的密碼。
您不得允許其他人代表您本人操作本網站。您同意在本網站上使用的用戶名稱和密碼對您的身份有足夠的識別度。
因您違反合同或承諾，故意違反或疏忽、誤解、忽視任何與您瀏覽和/或使用本網站有關的事項而對我們產生的任何直接或間接的損害、損失、索賠、要求、債務或費用，您應全權負責。
轉讓權
在沒有事先通知您的情況下，我們可以轉讓或轉移本網站的任何權利和利益或義務。
此中文條款及細則為英文版本譯本，如中、英文兩個版本有任何抵觸或不相符之處，應以英文版本為準。
條款及細則上次更新日期為2018年11月30日。
Terms and Conditions
MQMaster.com ('this Website') is owned and managed by Global Data Management Company Limited ('GDMCL').
In these terms and conditions stated herein, whenever we use "Global", "we" or "us", we refer to GDMCL.
General
The access to and use of this Website is subject to these terms and conditions and our Privacy Policy. By accessing or using this Website, you agree to comply with these terms and conditions as well as our Privacy Policy. You are only entitled to access such of our services or facilities which will be listed in this Website from time to time to be available only to our members, strictly on condition that you successfully enroll as our member and agree to and accept these terms and conditions and acknowledge our Privacy Policy. Should you fail to comply with any of these terms and conditions, your right to access and use of this Website may be terminated immediately without any or further notice.
Upon your successful enrollment as our member, we shall send you a code consisting of 6-digit number to the number of your mobile phone registered with us by SMS. Your account will be activated once you input the code into the designated field or box in our Website. Guidance note for the use of our services will be displayed in this Website.
These terms and conditions may be amended from time to time without any prior consent from or notice to you provided that any amendments of these terms and conditions will be announced and displayed on our Website. You shall be deemed to have accepted these terms and conditions as may from time to time amended when you access to this Website or use any of the services provided in this Website after the amendments. These terms and conditions as may from time to time be amended by us will hereafter be referred to as “the Terms and Conditions”.
You are strongly advised to read the Terms and Conditions as appear in this Website whenever you visit this Website and use any of our services.
Our Services
Upon successful enrollment as our member and acceptance of the Terms and Conditions, you are entitled to free access to our services or facilities as listed in this Website from time to time to be available only to our members.
Debt Analysis
We also provide you with analysis on your current debt profile if you will provide and enter your current debt information including but not limited to debt nature, loan outstanding balance, interest rate, remaining payment tenor and repayment amount to our “analysis system”. We will then calculate the estimated time you need to settle all your debts and suggest to you a sensible solution as to how to fully utilize your financial resources to repay your debt.
The following advanced services will be provided upon your enrollment as our member:-
1. Advanced Search Engine
We developed a customized search engine that can search suitable products and services from our business partners according to the personal profile, requirements and instructions of members.
2. Exclusive Offer from our Business Partners
Members are entitled to exclusive offers from our Business Partners for providing credit products or services through this Website, such offers include interest rate discount, incentive gift coupons, quick approval services, etc. Please note that we do not represent any financial institutions to provide credit products or services nor to be an intermediary for loan referrals.
Please take note that nothing displayed on this Website ought to be relied upon as a financial advice or a recommendation of any of the credit products or services. Information on this Website may help you choose the credit product or service that will best suit your needs. We stress that you are strongly recommended to seek independent and professional advice as well as to ensure the suitability of the credit product or service that is to your best interest, if necessary.
We would also draw your special attention that nothing on this Website shall be deemed to represent our recommendation or proposal to you any credit product or service or to enter into any contract between you and the Business Partner in respect to any credit product or service. By giving us your personal information, you agree that we shall provide you with the listed services as provided in our Website. It is also your sole discretion to enter into any of such contract with our Business Partners at its own terms and conditions.
It is our prime objective to provide you with uninterrupted access to our Website. However, we cannot assure you of uninterrupted availability of this Website, which may be caused mainly by technical problem or issues beyond our control. We also reserve our right to suspend or terminate your access to the Website at any time in the future if we consider appropriate.
In respect of the content of this Website, please take note that we may amend or modify any data, content or information as displayed on this Website from time to time.
Earning of Fees
We may receive advertising fee income from our Business Partners. However, any of the fees to be received from our Business Partners will not affect the quality offer that shall be made by our Business Partners to you. In other words, the Business Partner will not charge you additional fee in approving the credit product or service to you.
Our Role in this Website
Any information as shown on this Website and all materials relating to credit products and services offered by our Business Partners are not representative of, and thus must not be treated as the complete description of the particular and individual terms and conditions nor the precise cover provided of that product or service. It is your sole discretion to consider and accept the terms and conditions of the credit products or services as offered by our Business Partners.
Please be reminded that submission of your information on this Website shall never in any way be considered as acceptance of any offer of any credit product or service provided by our Business Partners. Nothing on this Website shall be treated as an invitation to do any of these actions.
You must read and accept all applicable terms and conditions before entering into any contract or agreement as between you and our Business Partners.
Permitted Use of this Website
You are solely permissible to access and use this Website for personal functions, which means this Website shall only be accessed and used by you personally. Any other kind of access to and use of this Website beyond those are mentioned in this paragraph is strictly prohibited.
Specifically you are NOT permitted to use this Website under any of the following situation :-
- It is unlawful, fraudulent or the use of any of the services in this Website is for commercial purposes;
- To hurt, abuse, embarrass, defame, libel, threaten, intimidate or harass another person or business, or in a manner that, in our sole and absolute discretion, invades another person's privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory or damaging;
- To produce, check, confirm, update, modify or amend your own or another person's databases, records or directories;
- To alter or reverse engineer any part of this Website for any kind of commercial gain or for profit; and/or
- In a way that, in our sole and absolute discretion, interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical
Intellectual Property Rights
All intellectual property rights, ownership and good wills of the information or information displayed on this Website belongs to Global Data Management Company Limited or its licensor. You can print, copy, transfer or store extracts of information or material displayed on this Website for your own personal use (but not otherwise) if you abide by the following conditions:
It cannot be used for any business or commercial functions without our written Such right cannot be sold out or transferred to any third party either for profit or not;
You should not modify or change any of such information or material on this Website. It shall not be excerpted, reproduced, published, used or displayed on another website without our written consent;
All intellectual property rights such as patents, logos, domain names, data, supply codes, and software (in all cases whether or not registered or unregistered) in and about this Website are owned by us or our licensors, and such rights are always
Images, logos, trademarks or service marks as displayed on this Website are protected by the applicable intellectual property
We stress that none of the content, material or information displayed on this Website can be used, copied, published, excerpted or distributed by you without our written consent.
Exclusions of Liability
We always tried our best endeavor to ensure that the information displayed on our Website is correct. However, we shall not be accountable if the information or material including but not limited to that from our Business Partners, as displayed on the Website is inaccurate, or if there are any errors or omissions within such information and material as posted on our Website. We will not be held liable for the error of any material or information on the Website, whether they are provided by our Business Partners or any third parties. You agree that we are not in any way provide any warranty or represent that the Website or any information on this Website is free from viruses.
We stress that we shall hold no responsibility for direct or indirect losses or damages arising from an inability to access the Website and from the use of the Website that is beyond our control. We are not accountable or to be blamed for any indirect losses or damages suffered or incurred by you or those which were not predictable as a result of your access and or use of this Website.
Any offers to be made by our Business Partners will be entirely between you and our Business Partners. Therefore, you are solely responsible for your choice of the credit product or service as provided by our Business Partners. We are not accountable or to be blamed for any loss or harm you will suffer or incur as a result of your entering into a contract with our Business Partners for your credit products or services offered by them.
It is your sole discretion and choice to use or accept any credit products or services from our Business Partners, and accordingly you will be bound by the terms and conditions and privacy policy from that Business Partner. You are reminded to go through the terms and conditions and privacy policy of the relevant Business Partner websites before using that website. We shall not be responsible or to be blamed for any loss or harm you may suffer or incur due to your entering into contract at the terms and conditions of our Business Partners.
Complaint Procedure
We aim to provide all our customers / members with a high level of service and satisfaction but if you wish to complain about any of our services, you may contact us on 2584 7188 or write to:
Global Data Management Company Limited
Unit 2302, 23/F,
Paul Y Centre, 51 Hung To Road,
Kwun Tong, Hong Kong
For the purposes of handling complaints, our working hours ranged from 9am to 5:30pm Monday to Friday, excluding Saturday and Public Holidays.
Please note that we cannot answer complaints on behalf of our Business Partners if your complaints related to any credit product or service provided by our Business Partners. We recommend that you visit the respective Website of our Business Partners if you wish to make a complaint against them.
Right to Request Access for Personal Data Held by us
You shall be entitled at any time to request access to the Personal Data held by us and update or correct any such Personal Data. For details, please see the contact information as listed on our Website.
Your Responsibilities
In connection with the use of this Website, you agree that you will take all reasonable steps to safeguard and ensure the confidentiality of your username and password in accessing to the use of this Website at all times. You shall not share or allow other person to use your password on your behalf.
You are not allowed to let other person to operate the Website on your behalf. You also agree that the use of the username and password for accessing to the Website is adequate identification of yourself.
You agree to be held wholly responsible for any harm, loss, claim, demand, liability or expense that we may suffer directly or indirectly as a result of your breach of contract or warranty, willful act or omission, misrepresentation, negligence in relation to, or in association with, your access and/or use on this Website.
Right of Assignment
We may assign or transfer any of our right and interest or obligations under this Website to any party without prior notice to you.
This Terms and Conditions was last updated on 30 Nov 2018