最后更新日期：20/11/2025

本《免责声明与条款细则》（下称「本协议」）构成「ZLP Potential Holding LTD」（下称「本公司」）与其旗下品牌「ZIP-T」运营的网站 https://zlpzip-t.com/（下称「本网站」）的用户（下称「您」）之间具有法律约束力的协议。

您在访问、浏览或使用本网站提供的任何服务、内容或信息前，必须仔细阅读本协议。您对本网站的任何使用行为，包括但不限于购买课程、浏览内容或注册账户，均表示您已阅读、完全理解并无条件同意接受本协议所有条款的约束。若您不同意本协议的任何部分，请立即停止使用本网站。

1. 一般免责声明及责任限制

1.1. 非投资建议性质：本网站提供的所有内容，包括但不限于课程、文章、视频、直播、案例分析及社群讨论（统称「本内容」），仅为教育和信息分享目的而设。本内容基于过往数据、个人经验及一般市场分析，绝不构成、亦不应被诠释为任何形式的投资建议、财务、法律、税务意见，或对任何证券、金融产品或工具的买卖要约、招揽或推荐。

1.2. 风险认知：金融市场交易（包括但不限于股票、期货、外汇等）具有高风险性，可能导致您损失部分甚至全部投资本金。过往表现并非未来回报的保证。您承认并同意，您将独立承担所有投资决策的全部风险与后果，本公司及其董事、雇员、导师或关联方（统称「本公司方」）在任何情况下均不对您因依赖本内容而作出的任何投资决策或交易行为所导致的任何直接或间接损失（包括但不限于利润损失、交易亏损或机会成本损失）承担任何法律责任。

1.3. 信息准确性：本公司虽力求确保本内容之准确性与时效性，但不对其完整性、可靠性、准确性或适用性作出任何明示或暗示的保证或陈述。市场瞬息万变，本内容可能随时变更而不作另行通知。

2. 香港法规合规性声明（《证券及期货条例》）

2.1. 非受规管活动：本公司特此声明，「ZLP Potential Holding LTD」及其代表并非根据香港《证券及期货条例》（第571章）（下称「SFO」）获香港证券及期货事务监察委员会（SFC）发牌的法团或个人。本公司并未持有进行任何受规管活动所需的牌照，包括但不限于第1类（证券交易）、第4类（就证券提供意见）或第9类（提供资产管理）牌照。

2.2. 服务的界定：本网站提供的服务严格限定于非个人化的交易知识教育和技能培训。所有内容均为一般性市场评论和分析，并非针对您的个人财务状况、投资目标或风险承受能力而设。因此，本公司的服务不构成SFO所定义的“就证券提供意见”或“提供资产管理”等任何受规管活动。

2.3. 寻求专业意见的义务：您有责任在作出任何投资决策前，咨询独立的、持有相关SFC牌照的专业财务顾问的意见。

3. 知识产权

本网站所有内容的知识产权，包括但不限于商标、文本、图像、视频、课程材料及软件，均属本公司所有或已获合法授权。未经本公司事先书面同意，任何人不得以任何形式复制、分发、修改、改编、公开展示、或用于任何商业目的。

4. 服务条款与购买政策

4.1. 服务形式：所有服务均为线上提供，不涉及任何实体产品交付。

4.2. 付款与手续费：您同意支付所有选定服务的费用。本公司不承担任何由第三方支付平台（如Stripe、PayPal）收取的交易手续费。

4.3. 退款政策：所有已售出的服务和产品均为最终销售，不可退款、不可转让。 在本公司自行酌情决定的极少数例外情况下，如同意退款，您须承担该笔交易在支付及退款过程中产生的所有银行或第三方平台手续费。

4.4. 服务变更与终止：本公司保留随时自行决定修改、暂停或终止任何服务（包括课程内容、社群访问权限等）的权利，恕不另行通知。同时，本公司有权在您违反本协议任何条款的情况下，立即终止您的服务资格，且不予退款。

5. 线上社群守则

您在使用本公司提供的任何线上交流社群（如Discord、WhatsApp群组等）时，必须遵守以下规则：
(a) 严禁诈骗：本公司员工及导师绝不会主动私信您要求转账、提供个人账户信息或进行代客理财。任何此类行为均属诈骗，请保持警惕。
(b) 禁止不当言论：禁止发布任何违法、骚扰、诽谤、歧视性或与社群主题无关的内容。
(c) 禁止商业推广：未经允许，禁止在社群内进行任何形式的广告、募资或商业推广活动。
(d) 责任自负：您在社群内的所有言论仅代表您个人立场，您须对自己的言论负全部法律责任。

6. 弥偿条款

您同意，若因您违反本协议、滥用本网站服务或侵犯任何第三方权利而导致任何索赔、诉讼、损失、责任、开支或费用（包括合理的律师费），您将对本公司方作出全额弥偿，使其免受损害。

7. 隐私政策

本公司尊重并保护您的个人隐私。我们如何收集、使用和保护您的个人资料，均受我们的《隐私政策》规管，该政策构成本协议不可分割的一部分。请在此处查阅我们的《隐私政策》。

8. 法律适用与争议解决

8.1. 管辖法律：本协议的订立、解释、履行及争议解决，均受中华人民共和国香港特别行政区（「香港」）法律管辖并据其解释。

8.2. 争议解决：因本协议引起或与之相关的任何争议、纠纷或索赔，双方应首先尝试友好协商解决。若协商不成，您同意将该等争议提交至香港法院进行专属管辖。

9. 其他条款

9.1. 可分割性：若本协议中任何条款被有管辖权的法院裁定为无效或不可执行，该条款的无效或不可执行不影响本协议其余条款的效力，其余条款将继续维持十足效力及作用。

9.2. 完整协议：本协议（包括引用的《隐私政策》）构成您与本公司之间就本协议标的达成的完整协议，并取代所有先前或同期的口头或书面沟通、陈述或协议。

9.3. 语言版本：本协议以中英文书写。如中英文版本有任何歧义或不一致之处，概以中文版本为准。

Disclaimer and Terms & Conditions

Last Updated: 20/11/2025

This Disclaimer and Terms & Conditions (the "Agreement") constitutes a legally binding agreement between "ZLP Potential Holding LTD" (the "Company") and you (the "User" or "You"), the user of the website https://zlpzip-t.com/ (the "Website"), operated under its brand "ZIP-T".

BY ACCESSING, BROWSING, OR USING ANY SERVICE, CONTENT, OR INFORMATION PROVIDED BY THE WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, FULLY UNDERSTOOD, AND UNCONDITIONALLY AGREED TO BE BOUND BY ALL TERMS OF THIS AGREEMENT. IF YOU DO NOT AGREE WITH ANY PART OF THIS AGREEMENT, YOU MUST IMMEDIATELY CEASE ALL USE OF THE WEBSITE.

1. General Disclaimer and Limitation of Liability

1.1. Not Investment Advice: All content provided on the Website, including but not limited to courses, articles, videos, live sessions, case studies, and community discussions (collectively, the "Content"), is for educational and informational purposes ONLY. The Content is based on historical data, personal experience, and general market analysis. It does not constitute, and shall not be construed as, any form of investment advice, financial, legal, tax opinion, or an offer, solicitation, or recommendation to buy or sell any securities, financial products, or instruments.

1.2. Acknowledgement of Risk: Trading in financial markets (including but not limited to stocks, futures, forex, etc.) involves a high degree of risk and may result in the loss of part or all of your invested capital. Past performance is not indicative of future results. You acknowledge and agree that you shall bear sole responsibility for all your investment decisions and their consequences. Under no circumstances shall the Company, its directors, employees, instructors, or affiliates (collectively, the "Company Parties") be liable for any direct or indirect losses (including, without limitation, loss of profits, trading losses, or opportunity costs) arising from any investment decisions or trading activities you undertake in reliance on the Content.

1.3. Information Accuracy: While the Company strives to ensure the accuracy and timeliness of the Content, it makes no express or implied warranties or representations as to its completeness, reliability, accuracy, or suitability. The market is dynamic, and the Content may be changed at any time without notice.

2. Hong Kong Regulatory Compliance Statement (Securities and Futures Ordinance)

2.1. Non-Regulated Activities: The Company hereby declares that "ZLP Potential Holding LTD" and its representatives are NOT corporations or individuals licensed by the Securities and Futures Commission (SFC) of Hong Kong under the Securities and Futures Ordinance (Cap. 571) (the "SFO"). The Company does NOT hold licenses for any regulated activities, including but not limited to Type 1 (Dealing in Securities), Type 4 (Advising on Securities), or Type 9 (Asset Management).

2.2. Nature of Services: The services provided by the Website are strictly limited to non-personalized trading knowledge education and skill training. All content consists of general market commentary and analysis and is not tailored to your individual financial situation, investment objectives, or risk tolerance. Accordingly, the Company's services do not constitute "advising on securities" or "asset management" or any other regulated activity as defined under the SFO.

2.3. Obligation to Seek Professional Advice: It is your responsibility to consult an independent, SFC-licensed professional financial advisor before making any investment decisions.

3. Intellectual Property

All intellectual property rights in the Content on this Website, including but not limited to trademarks, text, images, videos, course materials, and software, are owned by or licensed to the Company. No part of the Content may be reproduced, distributed, modified, adapted, publicly displayed, or used for any commercial purpose without the prior written consent of the Company.

4. Terms of Service and Purchase Policy

4.1. Service Format: All services are provided online and do not involve the delivery of any physical products.

4.2. Payment and Fees: You agree to pay all fees for the services you select. The Company is not responsible for any transaction fees charged by third-party payment platforms (e.g., Stripe, PayPal).

4.3. Refund Policy: All sales of services and products are final, non-refundable, and non-transferable. In the rare event that a refund is granted at the Company's sole discretion, you shall be responsible for all transaction fees incurred during the payment and refund process charged by banks or third-party platforms.

4.4. Service Modification and Termination: The Company reserves the right to modify, suspend, or terminate any service (including course content, community access, etc.) at its sole discretion, without prior notice. The Company also reserves the right to immediately terminate your access to the services without a refund if you breach any term of this Agreement.

5. Online Community Guidelines

When using any online communication community provided by the Company (e.g., Discord, WhatsApp groups), you must adhere to the following rules:
(a) Anti-Fraud: Company staff and instructors will never initiate private messages to ask for fund transfers, personal account information, or to manage assets on your behalf. Any such contact is a scam.
(b) Prohibition of Inappropriate Content: You are prohibited from posting any illegal, harassing, defamatory, discriminatory, or off-topic content.
(c) No Commercial Promotion: You are prohibited from engaging in any form of advertising, fundraising, or commercial promotion within the community without permission.
(d) Personal Responsibility: All your statements in the community represent your personal views only. You are solely responsible for your own statements.

6. Indemnification

You agree to indemnify, defend, and hold harmless the Company Parties from and against any and all claims, actions, losses, liabilities, expenses, or damages (including reasonable attorneys' fees) arising out of or in connection with your breach of this Agreement, your misuse of the Website's services, or your violation of any third-party rights.

7. Privacy Policy

The Company respects and protects your privacy. Our collection, use, and protection of your personal data are governed by our Privacy Policy, which is an integral part of this Agreement. Please review our Privacy Policy here:.

8. Governing Law and Dispute Resolution

8.1. Governing Law: This Agreement shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong").

8.2. Dispute Resolution: Any dispute, controversy, or claim arising out of or relating to this Agreement shall first be resolved through friendly negotiation. If negotiation fails, you agree to submit to the exclusive jurisdiction of the courts of Hong Kong.

9. Miscellaneous

9.1. Severability: If any provision of this Agreement is held by a court of competent jurisdiction to be invalid or unenforceable, the invalidity or unenforceability of such provision shall not affect the validity of the remaining provisions, which shall remain in full force and effect.

9.2. Entire Agreement: This Agreement (including the referenced Privacy Policy) constitutes the entire agreement between you and the Company concerning the subject matter hereof and supersedes all prior or contemporaneous communications, representations, or agreements, whether oral or written.

9.3. Language: This Agreement is written in Chinese and English. In the event of any discrepancy or inconsistency between the Chinese and English versions, the Chinese version shall prevail.