1. 适用范围与效力层级 (Scope and Hierarchy of Documents)
本《综合协议》适用于客户在 JINGXIN WEALTH MANAGEMENT LIMITED（“本公司”）开立及维持的所有账户及进行的所有交易。如果本协议的条款与双方签署的《2002 ISDA Master Agreement》及其附件《Schedule》（统称“ISDA主协议”）发生任何不一致，就任何衍生品交易而言，应以 ISDA主协议的规定为准。本公司在本协议下的权利与救济是对 ISDA主协议下权利的补充与累加，而非减损。
This Agreement applies to all accounts opened and maintained, and all transactions conducted by the Client with JINGXIN WEALTH MANAGEMENT LIMITED (the "Company"). If there is any inconsistency between the terms of this Agreement and the 2002 ISDA Master Agreement and its Schedule (collectively, the "ISDA Master Agreement") entered into between the parties, the terms of the ISDA Master Agreement shall prevail to the extent that such inconsistency relates to any derivative transactions. The rights and remedies of the Company under this Agreement are cumulative and in addition to those under the ISDA Master Agreement.
2. 商业条款调整及通知
本公司可为善意且正当的商业目的，调整适用于账户及交易的融资利率、交易佣金、计息、结算方式及操作规则，但仅限于本协议预先约定的范围。终止事件、提前终止、终止结算金额、弥偿、有限追索、信用支持、适用法律及争议解决等核心法律事项，受双方的2002 ISDA Master Agreement、Schedule及CSA管辖。任何修改须依主协议Section 9(b)取得双方明示书面同意，并在适用时取得相关担保提供方的书面同意；沉默、未提出异议、网站公告或单方通知不构成该等同意。本公司应向客户登记的通知电邮地址发出载明调整内容、原因及生效日期的通知，并可同时在网站公布。一般调整应给予合理通知期，通常不少于五个香港银行营业日；为应对紧急上游成本或监管变化而确有必要缩短时，应在通知中说明理由，并给予当时情况下合理的通知期。除经双方明示书面同意外，调整不追溯影响已发生的费用。重大加费、计息公式改变或由实际占用计息改为额度计息而实质增加客户负担的，须先取得客户明示书面确认；一般范围内的调整可按上述预先约定机制生效。
2. Adjustment of Commercial Terms and Notices
The Company may, in good faith and for a legitimate commercial purpose, adjust financing interest rates, trading commissions, interest calculation, settlement methods and operational rules within the scope pre-agreed in this Agreement. Core legal matters, including termination events, early termination, close-out amounts, indemnities, limited recourse, credit support, governing law and dispute resolution, are governed by the parties’ 2002 ISDA Master Agreement, Schedule and CSA. Any amendment to those matters requires the parties’ express written agreement under Section 9(b) and, where applicable, the relevant Credit Support Provider’s written consent. Silence, failure to object, website publication or unilateral notice is not such consent. Notice of an adjustment, its reason and effective date shall be emailed to the Client’s registered notice address and may also be published on the website. A reasonable notice period shall be given, ordinarily at least five days on which banks in Hong Kong are open for general business. A shorter period may be used where reasonably necessary for an urgent upstream cost or regulatory change, with reasons stated and a period reasonable in the circumstances. Changes shall not affect accrued charges retrospectively without express written agreement. A material increase in charges, a change of accrual formula, or a switch from outstanding-balance interest to quota interest materially increasing the Client’s burden requires the Client’s prior express written confirmation. Routine adjustments within scope may take effect under the foregoing pre-agreed mechanism.
通知电邮以开户表所登记并经客户书面更新的地址为准。客户须保持地址有效并查阅邮箱及网站。仅就本条商业调整通知而言，在系统成功发出且未收到发送失败或退信提示时，发送至该地址视为送达，系统发送记录为初步证据；知悉发送失败时，本公司应按适用协议另行通知。ISDA、CSA及保证文件项下要求、违约或终止等通知仍须遵守各自约定的通知方式及生效规则，微信群不替代正式通知。The notice email is the address registered in the Account Opening Form, as subsequently updated by written notice. The Client shall keep it current and monitor that mailbox and the website. Solely for commercial-adjustment notices under this Clause, successful transmission to that address without a failure or bounce notification constitutes deemed delivery, and the system send log is prima facie evidence. If transmission failure is known, the Company shall notify the Client by another method permitted by the applicable agreement. Demands, default or termination notices under the ISDA, CSA or guarantee documents remain subject to their respective notice methods and effectiveness provisions; a WeChat group does not replace formal notice.
3. 保证金要求与强制平仓权利 (Margin Requirements and Liquidation / Close-out Rights)
本公司在行使强制平仓等权利之前，无义务事先通知客户其未能达到保证金要求。在不可行的情况下，本公司不会发出追加保证金通知（Margin Calls）。本公司获绝对授权，可不经事先通知，随时清算或平仓客户账户内的部分或全部持仓，以满足本公司的保证金风控要求。客户须承担由此产生的所有亏损及责任。
The Company does not have to notify the Client of any failure to meet margin requirements prior to the Company exercising its rights under this Agreement. The Company will not issue margin calls where it is impracticable to do so, and the Company is authorized to liquidate or close out Account positions in order to satisfy margin requirements without prior notice. The Client shall bear all losses and liabilities resulting therefrom.
就ISDA项下衍生品交易而言，本条的风险控制及处置权须与Schedule Part 1(g)、Part 5(q)、CSA及主协议Section 6一并适用；本条不免除该等文件要求的通知、指定提前终止日及终止结算程序。处置对冲资产或账户持仓本身不当然完成ISDA终止；相关损益及实际上游收付款按正式协议纳入结算，不得重复计算。For derivative Transactions under the ISDA, the risk-control and realisation powers in this Clause operate together with Part 1(g) and Part 5(q) of the Schedule, the CSA and Section 6 of the Master Agreement. This Clause does not dispense with required notices, designation of an Early Termination Date or close-out calculation procedures. Disposal of hedges or account positions does not by itself complete ISDA termination; relevant proceeds, losses and actual upstream receipts and payments are brought into account under the formal agreements without double counting.
4. 电子交易免责与风险披露 (Electronic Trading Disclaimers and Risk Disclosure)
客户确认并完全明白，由于互联网及电子通讯媒介的不可靠性，电子交易服务可能因系统高峰、市场波动、系统升级或故障等不可控因素而出现延迟、中断或数据传输错误。本公司对因上述原因导致的任何报价延迟、交易指示未获执行或执行错误，概不承担任何责任。刊登于本公司网页的《风险披露声明》构成本协议不可分割的一部分，客户在开户及交易前已被视为充分阅读并接受其中载明的所有风险。
The Client acknowledges and fully understands that due to the inherent unreliability of the internet and electronic communication media, electronic trading services may be subject to delays, interruptions, or transmission errors caused by uncontrollable factors such as peak traffic, market volatility, system upgrades or failures. The Company shall not be liable for any delayed quotes, unexecuted or erroneously executed trading instructions resulting from the aforementioned causes. The "Risk Disclosure Statements" published on the Company's website form an integral part of this Agreement, and the Client is deemed to have fully read and accepted all risks specified therein prior to account opening and trading.
5. 指令接收与免责 (Acceptance of Instructions and Indemnity)
本公司获授权随时接受客户通过传真及/或电邮等形式发出的交易或操作指令。客户须对由其本人或其授权人（无论是否真正获得客户授权或同意）发出的任何指令负上全部及个人责任。对于因执行该等电子或书面指令而导致的或由此产生的任何损失、损害、利息、费用及索赔，客户承诺向本公司作出全面赔偿并使本公司免受损害。 The Company is authorized to accept any fax and/or email message from the Client as the original instruction. The Client shall be fully and personally responsible for any instructions given or purported to be given by the Client or its Authorized Person (whether with or without the Client's instructions or consent). The Client shall fully indemnify the Company from and against all losses, damages, interest, costs, expenses, and claims whatsoever which the Company may incur or suffer as a result of or arising from the exercise of such instructions.
6. 账户合并与抵销权 (Consolidation of Accounts and Set-off)
在不损害法律赋予的任何一般留置权或类似权利的前提下，本公司有权在不事先通知客户的情况下，随时作为一项持续性权利，组合或合并客户在本公司及/或其任何附属公司或关联公司名下维持的所有账户（无论是否受到通知限制），并将客户的任何资金进行调拨或抵销，以清偿客户对本公司的任何到期或或然的债务及法律责任。
In addition to any general lien or similar right the Company may be entitled to by law, the Company may at any time as a continuous right, without prior notice, combine or consolidate any or all of the Client's accounts maintained with the Company and/or any of its subsidiaries or affiliates, and transfer or set-off any money of the Client held by the Company in or toward satisfaction of any obligations or liabilities of the Client to the Company, whether such liabilities be present or future, actual or contingent.
7. 电话录音与个人资料 (Recording of Conversations and Personal Data)
客户同意并授权本公司对双方交易、营销及其他相关人员之间的电话对话进行录音，并同意在适用法律允许的范围内，该等录音可作为任何法律诉讼中的呈堂证据。客户同时同意本公司按《个人资料（私隐）条例》及公司私隐政策收集、使用和保留其个人资料，包括将其提供给监管机构、信贷机构及相关第三方服务提供商。
The Client consents to the recording of telephone conversations between the trading, marketing and other relevant personnel of the parties, and agrees that, to the extent permitted by applicable law, such recordings may be submitted in evidence in any legal proceedings. The Client also consents to the collection, use and retention of his/her personal data by the Company in accordance with the Personal Data (Privacy) Ordinance and the Company's Privacy Policy, including the transfer of such data to regulatory authorities, credit agencies and relevant third-party service providers.
8. 独立建议与无税务建议 (Independent Advice and No Tax Advice)
本公司不提供任何性质的税务、法律或主观投资建议。本公司可能不时提供市场资讯或表达意见，但该等资料并非作为税务或投资建议。在决定进行任何交易前，客户应自行作出评估，并在有需要时寻求独立的专业意见，而不应依赖本公司提供的意见或建议。
The Company does not provide tax, legal, or subjective investment advice of any nature. Although the Company may from time to time provide market information or express opinions, such information or opinions do not constitute tax or investment advice. Before deciding to enter into any transaction, the Client should make their own assessment and seek independent professional advice if necessary, and should not rely on any information or suggestions provided by the Company.
9. 条款可分割性 (Severability)
若本协议中的任何条款在任何司法管辖区的法律下随时成为非法、无效或不可执行，本协议其余条款的合法性、有效性或可执行性，以及该无效条款在其他司法管辖区的合法性、有效性或可执行性，均不应因此受到任何影响或损害。
If at any time any provision of this Agreement is or becomes illegal, invalid or unenforceable in any respect under the laws of any jurisdiction, neither the legality, validity or enforceability of the remaining provisions nor the legality, validity or enforceability of such provision under the laws of any other jurisdiction shall in any way be affected or impaired thereby
收费与计息细则 (Fee and Interest Calculation Schedule)
本细则为本公司《综合协议》不可分割的一部分。适用于所有在本公司开展场外衍生品（TRS）及相关融资交易之账户。
1. 交易计息 (Trading Interest - Accrued on Outstanding Balances)
计息规则： 适用于客户实际持仓及资金占用情况。
计算方式： 每日计息，每日计提。
计算公式： 每日交易利息 = 每日实际资金占用金额 × 适用年利率 ÷ 360（或人民币/港币适用之365天）。
结算方式： 每日产生的利息将于每日日终结算时从账户中记提，并于每月指定结息日（或本公司不时指定的日期）从客户账户中统一扣收。
1. Trading Interest (Accrued on Outstanding Balances)
Rule: Applicable to interest charges based on actual outstanding positions and cash/asset occupancy.
Calculation Method: Calculated daily and accrued daily.
Formula: Daily Trading Interest = Daily Actual Cash Occupancy × Applicable Annual Interest Rate ÷ 360 (or 365 days for CNH/HKD as applicable).
Settlement: Interest generated daily will be accrued at the end of each business day and debited from the Client's Account on the designated monthly settlement date (or such other dates as the Company may specify from time to time).
2. 融资计息 (Financing Interest - Accrued on Agreed Quota)
计息规则： 适用于双方约定的融资额度安排。
计算方式： 按月计息。
计算公式： 每期融资利息 = 约定融资额度 × 适用年利率 ÷ 12。
结算方式： 融资利息按月计收，并于每月首个交易日（或额度首次分配/发放之日）从客户账户中扣收。
2. Financing Interest (Accrued on Agreed Quota)
Rule: Applicable to interest charges based on the agreed financing quota/credit limit arrangement.
Calculation Method: Calculated and charged monthly.
Formula: Financing Interest per Billing Cycle = Agreed Financing Quota × Applicable Annual Interest Rate ÷ 12.
Settlement: Financing interest is charged monthly and will be deducted from the Client's Account on the first Business Day of each billing cycle (or the date on which such quota is first allocated/issued).