1. 適用範圍與效力層級 (Scope and Hierarchy of Documents)
本《綜合協議》適用於客戶在 JINGXIN WEALTH MANAGEMENT LIMITED（“本公司”）開立及維持的所有賬戶及進行的所有交易。如果本協議的條款與雙方簽署的《2002 ISDA Master Agreement》及其附件《Schedule》（統稱“ISDA主協議”）發生任何不一致，就任何衍生品交易而言，應以 ISDA主協議的規定為準。本公司在本協議下的權利與救濟是對 ISDA主協議下權利的補充與累加，而非減損。
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. 商業條款調整及通知
本公司可為善意且正當的商業目的，調整適用於賬戶及交易的融資利率、交易佣金、計息、結算方式及操作規則，但僅限於本協議預先約定的範圍。終止事件、提前終止、終止結算金額、彌償、有限追索、信用支持、適用法律及爭議解決等核心法律事項，受雙方的2002 ISDA Master Agreement、Schedule及CSA管轄。任何修改須依主協議Section 9(b)取得雙方明示書面同意，並在適用時取得相關擔保提供方的書面同意；沉默、未提出異議、網站公告或單方通知不構成該等同意。本公司應向客戶登記的通知電郵地址發出載明調整內容、原因及生效日期的通知，並可同時在網站公佈。一般調整應給予合理通知期，通常不少於五個香港銀行營業日；為應對緊急上游成本或監管變化而確有必要縮短時，應在通知中說明理由，並給予當時情況下合理的通知期。除經雙方明示書面同意外，調整不追溯影響已發生的費用。重大加費、計息公式改變或由實際佔用計息改為額度計息而實質增加客戶負擔的，須先取得客戶明示書面確認；一般範圍內的調整可按上述預先約定機制生效。
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.
通知電郵以開戶表所登記並經客戶書面更新的地址為準。客戶須保持地址有效並查閱郵箱及網站。僅就本條商業調整通知而言，在系統成功發出且未收到發送失敗或退信提示時，發送至該地址視為送達，系統發送記錄為初步證據；知悉發送失敗時，本公司應按適用協議另行通知。ISDA、CSA及保證文件項下要求、違約或終止等通知仍須遵守各自約定的通知方式及生效規則，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. 保證金要求與強制平倉權利 (Margin Requirements and Liquidation / Close-out Rights)
本公司在行使強制平倉等權利之前，無義務事先通知客戶其未能達到保證金要求。在不可行的情況下，本公司不會發出追加保證金通知（Margin Calls）。本公司獲絕對授權，可不經事先通知，隨時清算或平倉客戶賬戶內的部分或全部持倉，以滿足本公司的保證金風控要求。客戶須承擔由此產生的所有虧損及責任。
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項下衍生品交易而言，本條的風險控制及處置權須與Schedule Part 1(g)、Part 5(q)、CSA及主協議Section 6一併適用；本條不免除該等文件要求的通知、指定提前終止日及終止結算程序。處置對沖資產或賬戶持倉本身不當然完成ISDA終止；相關損益及實際上游收付款按正式協議納入結算，不得重複計算。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. 電子交易免責與風險披露 (Electronic Trading Disclaimers and Risk Disclosure)
客戶確認並完全明白，由於互聯網及電子通訊媒介的不可靠性，電子交易服務可能因系統高峰、市場波動、系統升級或故障等不可控因素而出現延遲、中斷或數據傳輸錯誤。本公司對因上述原因導致的任何報價延遲、交易指示未獲執行或執行錯誤，概不承擔任何責任。刊登於本公司網頁的《風險披露聲明》構成本協議不可分割的一部分，客戶在開戶及交易前已被視為充分閱讀並接受其中載明的所有風險。
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. 指令接收與免責 (Acceptance of Instructions and Indemnity)
本公司獲授權隨時接受客戶通過傳真及/或電郵等形式發出的交易或操作指令。客戶須對由其本人或其授權人（無論是否真正獲得客戶授權或同意）發出的任何指令負上全部及個人責任。對於因執行該等電子或書面指令而導致的或由此產生的任何損失、損害、利息、費用及索賠，客戶承諾向本公司作出全面賠償並使本公司免受損害。 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. 賬戶合併與抵銷權 (Consolidation of Accounts and Set-off)
在不損害法律賦予的任何一般留置權或類似權利的前提下，本公司有權在不事先通知客戶的情況下，隨時作為一項持續性權利，組合或合併客戶在本公司及/或其任何附屬公司或關聯公司名下維持的所有賬戶（無論是否受到通知限制），並將客戶的任何資金進行調撥或抵銷，以清償客戶對本公司的任何到期或或然的債務及法律責任。
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. 電話錄音與個人資料 (Recording of Conversations and Personal Data)
客戶同意並授權本公司對雙方交易、營銷及其他相關人員之間的電話對話進行錄音，並同意在適用法律允許的範圍內，該等錄音可作為任何法律訴訟中的呈堂證據。客戶同時同意本公司按《個人資料（私隱）條例》及公司私隱政策收集、使用和保留其個人資料，包括將其提供給監管機構、信貸機構及相關第三方服務提供商。
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. 獨立建議與無稅務建議 (Independent Advice and No Tax Advice)
本公司不提供任何性質的稅務、法律或主觀投資建議。本公司可能不時提供市場資訊或表達意見，但該等資料並非作為稅務或投資建議。在決定進行任何交易前，客戶應自行作出評估，並在有需要時尋求獨立的專業意見，而不應依賴本公司提供的意見或建議。
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. 條款可分割性 (Severability)
若本協議中的任何條款在任何司法管轄區的法律下隨時成為非法、無效或不可執行，本協議其餘條款的合法性、有效性或可執行性，以及該無效條款在其他司法管轄區的合法性、有效性或可執行性，均不應因此受到任何影響或損害。
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
收費與計息細則 (Fee and Interest Calculation Schedule)
本細則為本公司《綜合協議》不可分割的一部分。適用於所有在本公司開展場外衍生品（TRS）及相關融資交易之賬戶。
1. 交易計息 (Trading Interest - Accrued on Outstanding Balances)
計息規則： 適用於客戶實際持倉及資金佔用情況。
計算方式： 每日計息，每日計提。
計算公式： 每日交易利息 = 每日實際資金佔用金額 × 適用年利率 ÷ 360（或人民幣/港幣適用之365天）。
結算方式： 每日產生的利息將於每日日終結算時從賬戶中記提，並於每月指定結息日（或本公司不時指定的日期）從客戶賬戶中統一扣收。
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. 融資計息 (Financing Interest - Accrued on Agreed Quota)
計息規則： 適用於雙方約定的融資額度安排。
計算方式： 按月計息。
計算公式： 每期融資利息 = 約定融資額度 × 適用年利率 ÷ 12。
結算方式： 融資利息按月計收，並於每月首個交易日（或額度首次分配/發放之日）從客戶賬戶中扣收。
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).