Updates

The following TERMS OF SERVICE, PRIVACY POLICY and DISCLAIMER are subject to change at any time and at the sole discretion of the Site owner and operator. Please visit the site regularly for updates.

 

Terms of Service/Privacy Policy/Disclaimer

 

WE UPDATED OUR TERMS & CONDITIONS ON Jan 30th, 2026.

 

【IMPORTANT NOTICE & RISK WARNING】
BEFORE USING ANY SERVICE ON THIS WEBSITE, PLEASE READ ALL THE FOLLOWING TERMS CAREFULLY. BY USING ANY PART OF THIS WEBSITE, YOU INDICATE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO BE BOUND BY THE ENTIRETY OF THESE TERMS OF SERVICE. IF YOU DO NOT AGREE, PLEASE CEASE USING THIS WEBSITE IMMEDIATELY.

【SIGNIFICANT INVESTMENT RISK WARNING】
INVESTMENT INVOLVES SUBSTANTIAL RISK. THE PRICES OF SECURITIES AND OTHER FINANCIAL INSTRUMENTS CAN AND DO FLUCTUATE, AND MAY EVEN BECOME WORTHLESS. YOU MAY LOSE ALL OR A SUBSTANTIAL PORTION OF YOUR INVESTMENT. PAST PERFORMANCE IS NOT AN INDICATOR OF FUTURE RESULTS. BEFORE MAKING ANY INVESTMENT DECISION, YOU SHOULD CAREFULLY CONSIDER YOUR OWN FINANCIAL SITUATION, INVESTMENT OBJECTIVES, EXPERIENCE, RISK TOLERANCE, AND SEEK INDEPENDENT PROFESSIONAL FINANCIAL ADVICE. YOU ARE SOLELY AND ENTIRELY RESPONSIBLE FOR ALL OF YOUR OWN INVESTMENT DECISIONS. NOTHING PROVIDED ON THIS WEBSITE SHOULD BE CONSTRUED AS A TOOL TO MITIGATE OR TRANSFER SUCH RISKS.

【EDUCATIONAL NATURE DECLARATION】
ALL SERVICES AND CONTENT PROVIDED BY CHIEFPAPALEARNING.COM AND CHIEFPAPA.COM ARE STRICTLY FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. YOU AGREE AND ACKNOWLEDGE THAT CHIEFPAPALEARNING.COM AND CHIEFPAPA.COM, ITS AFFILIATED COMPANY KARISMA ADVISORY LIMITED, AND ANY INDIVIDUALS ASSOCIATED WITH THIS WEBSITE ARE NOT REGISTERED INVESTMENT ADVISORS OR REGISTERED BROKER-DEALERS. 

 

1. ACCEPTANCE OF TERMS

These Terms of Service (hereinafter "Terms") govern your use of the website chiefpapalearning.com or chiefpapa.com (hereinafter "the Website") and related services (as defined below), which are owned and operated by Karisma Advisory Limited (hereinafter "the Company," "KAL," "we,"  "us," or "our"). These Terms incorporate our Privacy Policy by reference.

We reserve the right to modify these Terms at any time without prior notice. It is your responsibility to review these Terms at https://www.chiefpapa.com/terms-and-conditions periodically for any changes. Your continued use of the Website after the modification of the Terms constitutes your acceptance of such changes.

 

2. Definition of Services

Free Services: All free content provided on the Website, including free essence courses, blog posts, forums, user-generated content, third-party content, e-books, etc.
Paid Services: Any content for which you are required to pay a fee to access, including but not limited to online courses, seminars, subscription content, member-only areas, coaching services, etc.

Content: Any material provided through this service, including but not limited to videos, courses, lectures, slides, text, charts, audio, recorded content, templates, tools, community posts, and downloadable files.

User Content: Any content you upload, publish, submit, or otherwise provide through this service, including but not limited to forum posts, comments, questions, and files.
Community Spaces: Any message boards, forums, chat rooms, comment sections, live chat rooms, and related channels operated on third-party platforms that we provide for community features.

 

3. 【CORE DISCLAIMERS】Important Disclaimers About Information We Provide
3.1 Not Investment Advice: The Company is a publishing and educational entity. All content provided on the Website and through the Services, including any views, opinions, analyses, or strategies, DOES NOT CONSTITUTE INVESTMENT ADVICE. It is provided for educational and informational purposes only and does not constitute an offer or solicitation to sell or buy any security.

3.2 Not Personalized Advice: The content of the Services is general information for a broad audience of investors and traders and does not take into account any specific individual's investment objectives, financial situation, investment knowledge, risk tolerance, or personal perspectives. You understand that no content published on the Website constitutes a recommendation that any particular investment, security, portfolio, transaction, or investment strategy is suitable for any specific person. You further understand that no creator, provider, or their affiliates of the Website will provide you with personalized advice regarding the nature, potential, value, or suitability of any particular investment. THEREFORE, YOU SHOULD NOT ATTEMPT TO CONTACT THEM SEEKING PERSONALIZED INVESTMENT ADVICE.

3.3 User's Independent Decisions: You are solely and entirely responsible for all of your own investment decisions. Before you trade or act on any information, you should consult with your own financial or investment advisor. Your decision to purchase any security is made of your own free will, based on your own research, and after consulting with your investment advisor. Under no circumstances shall the Company or its affiliates (including Chief PaPa himself or any affiliated person) be liable for any consequences resulting from your use of the Website and Services. You agree to fully release the Company and its affiliates from any and all liability.

3.4 Opinions and Conflicts of Interest: You understand that the views expressed on the Website and through the Services are the personal opinions of the coaches or authors only. You understand and agree that affiliates and employees of the Company may, from time to time, hold long or short positions in securities or their derivatives of companies mentioned on the Website and Services, or may take positions inconsistent with or contrary to the views expressed. We are under no obligation to disclose such positions.

3.5 Past Performance: Investing involves risk and volatility. PAST PERFORMANCE (INCLUDING ANY MENTIONED HISTORICAL EXAMPLES OR RETURN FIGURES) IS NEVER AN INDICATION OF FUTURE RESULTS. We may, from time to time, reference articles and opinions published in the past. These references may be selective, may reference only a portion of an article or recommendation, and may not be current. As markets change continuously, you should not rely on any previously published information and data.

3.6 Not a Personal Trading Record: ANY SERVICES PROVIDED ON THIS WEBSITE, INCLUDING ANY MODEL PORTFOLIOS OR MENTIONED TRADES, ARE PROVIDED SOLELY FOR EDUCATIONAL AND ILLUSTRATIVE PURPOSES. THEY DO NOT CONSTITUTE, NOR DO THEY REPRESENT, THE PERSONAL PORTFOLIO, INVESTMENT PLAN, OR ACTUAL TRADING RECORD OF CHIEF PAPA HIMSELF OR ANY AFFILIATED PERSON.  Your actual results may differ materially due to factors including, but not limited to, trading costs, liquidity, timing, market volatility, capital size, and your ability to independently implement any information provided.

 

4. Institutional Nature & User Eligibility

4.1 Institutional Nature Declaration: The Company hereby expressly declares that THE COMPANY IS NOT A LICENSED CORPORATION OR REGISTERED INSTITUTION as defined under the Securities and Futures Ordinance (Cap. 571 of the Laws of Hong Kong), AND DOES NOT HOLD ANY LICENSE issued by the Hong Kong Securities and Futures Commission (SFC) or any other financial regulatory authority to engage in any regulated activities.

4.2 User Eligibility and Suitability: The Services are intended only for individuals who are capable of independently assessing investment risks and bearing the corresponding consequences. By registering for and using the Services, you must confirm that you are at least 18 years of age, of sound mind, and have fully assessed your own risk tolerance. If you have any doubts about your risk tolerance, you should immediately cease using the Services and consult an independent professional advisor.

 

5. Restrictions on Use

5.1 You agree and undertake not to engage in any of the following activities:

• Copying, reselling, renting, or otherwise utilizing any part of the Service or Content for any commercial purpose;
• Sharing, selling, or transferring your account, subscription, or login credentials with any third party;
• Circumventing any access controls, security features, paywalls, or geo-restrictions;
• Using any web crawler, bot, or similar automated data extraction method to scrape data from this website;
• Recording, photographing, live-streaming, or creating audio/video/screen recordings of any content or live-streamed courses, or systematically taking screenshots, unless expressly authorized in writing by us;
• Sharing any paid content on any third-party platform (including messaging apps, social media, file-sharing services);
• Using any of our content (including its structure, methods, and materials) to create any competitive courses, products, or services;
• Accessing, using, or processing any of our content for the purpose of developing, training, or testing any artificial intelligence (AI), machine learning models, or other automated systems.

5.2 Device and Session Restrictions and Monitoring

To protect the integrity of the service and prevent unauthorized sharing, we reserve the right to impose reasonable restrictions on concurrent login sessions, the number of registered devices, and unusual login activity. You acknowledge and agree that we may use technical measures such as access logs, device identifiers, content watermarking, and unusual activity detection to investigate suspected violations.

 

5.3 Live Session Recording and Participant Consent

• You acknowledge and agree that all live sessions may be recorded. By participating in any live session (including turning on audio and video or speaking in the chat area), you expressly agree that your name/username, voice, image (if you have a camera enabled), chat messages, and any material you share may be included in the recording.
• Such recordings will be used to provide course replays to students, conduct internal quality monitoring and training, and address potential service abuse or security issues. 
• If you do not wish to be recorded, you should avoid turning on your camera or microphone during live sessions and avoid sharing any personal or confidential information.

6. Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, images, audio, video, data compilations, and software, is the property of the Company or its content suppliers and is protected by Hong Kong and international copyright laws. Trademarks such as "Chief PaPa", "Rich Cheung 張富有", "贏勢技術" and "智富爸爸" are owned by the Company.

Unless otherwise stated, you may access and use the information and materials on the Website for your personal, non-commercial use. You are strictly prohibited from altering, modifying, adapting, exploiting, or copying for distribution or sale any information, materials, trademarks, or copyrights. You must obtain written permission from us or any other entity that owns intellectual property on the Website before you may publish, distribute, display, or commercially exploit any material from the Website.

All courses and programs are for the personal use of the purchaser only on our platform. The content is for the purchaser's viewing only and may not be resold, shared, disseminated, or transmitted on any platform, website, or communication software, including sharing accounts with others. Violation of this policy will result in the immediate termination of the violator's account and a permanent ban from accessing our paid content, with no refund of any payments made. Furthermore, the Company reserves the right to take all legal action to pursue theft and infringement of our intellectual property.

 

7. Subscriptions, Payments, and Cancellations

7.1 Returns, Refunds and Subscription Cancellations

All products are non-returnable and are non-refundable under any circumstances (except where the contrary is specified for the particular product). Unless otherwise expressly guaranteed in writing at the time of purchase, all fees paid are final and non-refundable. We do not offer pro rata refunds or credits for unused subscription periods.

Your membership program under KAL will continue month-to-month unless and until you cancel your membership, or we terminate it. You must have Internet access and provide us with a current, valid, accepted method of payment to use the services. We will bill the monthly (or annually if this is so chosen by you) membership fee to the payment method used when signing up unless updated or changed by the subscriber. You must cancel your membership before it renews each month (or each year if this is so chosen by you) in order to avoid billing of the next month’s (or year's) membership fees to your Payment Method.

• Monthly subscribers shall give at least 7 days' membership cancellation notice at support@chiefpapa.com.
• Annual subscribers shall give at least 30 days' membership cancellation notice at support@chiefpapa.com.

If you disagree with any charges, you agree to contact us at support@chiefpapa.com with transaction details before filing a chargeback with your bank or payment provider so that we can resolve the issue internally.

7.2 Subscriptions
Some parts of the Service are billed on a subscription basis ("Subscription(s)"). You will be billed in advance on a recurring and periodic basis ("Billing Cycle"). Billing cycles are set either on a monthly or annual basis, depending on the type of subscription plan you select when purchasing a Subscription.

At the end of each Billing Cycle, your Subscription will automatically renew under the exact same conditions unless you cancel it or Karisma Advisory Limited cancels it. You may cancel your Subscription renewal by contacting Karisma Advisory Limited customer support team at support@chiefpapa.com.

Access to all products and content purchased under Subscriptions are subject to the active status of subscription. Once a subscription ceases to be active, all previous access under the Subscriptions would be terminated. Subscriptions are only valid for the period during which the subscription fee has been paid and the topic-related services are provided. Falling behind on payment, failure to renew on time, or cancellation of subscription initiated by either you or Karisma Advisory Limited, would render subscription inactive.

 

7.3 Fee Changes
Karisma Advisory Limited, in its sole discretion and at any time, may modify the Subscription fees for the Subscriptions. Any Subscription fee change will become effective at the end of the then-current Billing Cycle.

Karisma Advisory Limited will provide you with a reasonable prior notice of any change in Subscription fees to give you an opportunity to terminate your Subscription before such change becomes effective.

Your continued use of the Service after the Subscription fee change comes into effect constitutes your agreement to pay the modified Subscription fee amount.

 

7.4 Chargeback Process

If you file a chargeback, we reserve the right to suspend your access to the service until the dispute is resolved. If the chargeback is ruled invalid, we reserve the right to recover all related costs incurred (including penalties charged by banks or payment processors).

 

8. Offline Events/Seminars

Seminar special price and bonus (if any) are only redeemable on the condition that full payment (or installment, if applicable) is made within 24 hours after the payment (or installment, if applicable) concerned becomes due.

Bonus products and bonus courses must be redeemed within designated timeframe; where such timeframe is not expressly stated, it should be taken to be within 3 months or to be before the latest date displayed as available at the time of purchase, whichever is sooner.

Bonus products and bonus courses are not transferable, not convertible to cash or any other products and/or courses. In the event that the student failed to attend (for whatever reason) a bonus course, he or she will be treated as giving up the bonus course, and KAL is under no obligation to arrange any make-up of any kind in this regard.

"The student" must attend the class according to assigned time and date; otherwise, the course fee will be forfeited. KAL sometimes make special arrangement for individual students at its own absolute discretion, which shall not be seen as the general practice.

No photography, video-recording or sound-recording is allowed without expression permission. KAL may under its absolute discretion remove the violator(s) from the immediate course and/or all future courses.

For any courses involving investment related topics, the speaker’s opinion does not represent KAL’s opinion. This information is for educational purposes only and is not a solicitation for investment. The student agrees to always seek professional advice before making any investment decision. KAL is not responsible for any investment gains OR losses of the applicant.

Some courses will be conducted in form of interactive games. Participants shall take proper caution on the safety of themselves and others. People who have medical or health conditions unfit for the activity shall take extra care. The Company is not responsible for any injuries.

In case where Typhoon Signal No.8 or above is hoisted or likely to be hoisted, as announced by the Hong Kong Observatory, all courses will be cancelled until further notice. If the above scenario happens while the course is in progress, course will be suspended immediately.

In case where Black Rainstorm Warning is hoisted as announced by the Hong Kong Observatory, all courses will be cancelled until further notice. If the above scenario happens while the course is in progress, the course will continue.

You agree that KAL will take photos and videos for promotion use. The copyright of all materials taken thereof belong to KAL. 

 

9. Testimonials, Reviews, and Pictures/Videos

KAL is pleased to hear from users and customers and welcomes your comments regarding our services and products. KAL may use testimonials and/or product reviews in whole or in part together with the name, pictures, city, and state of the person rendering/submitting it. 

 

Testimonials may be used for any form of activity relating to KAL’s services or products, in printed and online media, as KAL determines in its sole and exclusive discretion. Testimonials represent the unique experience of the participants and customers submitting the testimonial, and do not necessarily reflect the experience that you may have using our services or products, and are not a guarantee of future results or success. Your personal, career and business’ results will vary depending upon a variety of factors unique to you, your business and market forces beyond KAL’s control. Note that testimonials, photographs, and other information that you provide to us will be treated as non-confidential and nonproprietary, and, by providing them, you grant KAL a royalty-free, worldwide, perpetual, non-exclusive and irrevocable license to use them.
 

Additionally, KAL reserves the right to correct grammatical and typing errors, to shorten testimonials prior to publication or use, to fine-tune the testimonials according to SEO (Search Engine Optimization) requirements, and to review all testimonials prior to publication or use. KAL shall be under no obligation to use any, or any part of, any testimonial or product review submitted.

 

10. Your Account

You agree to provide accurate and complete information when you register with, and as you use, chiefpapalearning.com, chiefpapa.com or Karisma Advisory Limited, and you agree to update your account information to keep it accurate and complete. You agree that chiefpapalearning.com, chiefpapa.com or Karisma Advisory Limited may store and use the information you provide for use in maintaining and billing fees to your Account.

 

10.1 Access to Previous Purchases

As an accommodation to you, subsequent to acquiring chiefpapalearning.com, chiefpapa.com or Karisma Advisory Limited training, you may download previously acquired training (unless unequivocally prohibited) onto any Associated Device. Some chiefpapalearning.com, chiefpapa.com or Karisma Advisory Limited training or services that you previously acquired may not be available for subsequent download or access at any given time, and chiefpapalearning.com, chiefpapa.com or Karisma Advisory Limited shall have no liability to you in such event. As you may not be able to subsequently download certain previously-acquired content or training, once you download an item, it is your responsibility not to lose, destroy, or damage it, and you may want to back it up.

The Website or the Company (chiefpapalearning.com, chiefpapa.com or Karisma Advisory Limited) reserves the right to change content options (including eligibility for particular features) or remove access without notice to any previously purchased training or content that is no longer valid or deemed out of date.

 

11. Personal Data Privacy

We want people to feel safe when using our community groups and platforms. For that reason, we’ve developed a set of community guidelines, outlined below. These policies will help you understand what type of sharing is allowed in our private groups and communities, and what type of content may be reported to us and removed.

• Keep it respectful
  Comments that are inappropriately negative, rude, or attacking will be deleted, removed, or we reserve the right to request you to modify the relevant content.
• No pitching to the group
  We have a strict ‘no shopping for customers’ policy in our groups. This includes pointing people to blog posts with your offers/affiliate offers and publicly asking members to join your own Facebook groups or communities.
• No gated content
  Content posted in the groups cannot be used to harvest leads in any way. If you need feedback or a review, post the direct PDF, document, or screenshot. Don’t require people to opt-in to view.
• Respect confidentiality
  Content gathered in our online community groups cannot be collected, repackaged, and/or shared outside the group.
• Keep it on topic
  We reserve the right to remove posts based on off-topic content or offensive content.
• Partnering with other members
  Access to this group and community does not mean that chiefpapalearning.com, chiefpapa.com or Karisma Advisory Limited endorses anyone’s products or services. Please be cautious and do your due diligence when partnering with anyone in the group.
• Report posts that are breaking group policies
  If you see a post that is questionable, please report it, tag our community manager in the comments, or reach out to our community manger directly.
• Breaking the rules
  Three warnings for rule-breaking behavior will result in a 7-day removal from the group. After the 7-day period, you are welcome to rejoin the group on a 30-day probation. If you break the rules again during your probation, you will be permanently removed from the community or group.

14. Limitation of Liability

The Services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, the Company, its directors, employees, affiliates, or licensors shall not be liable for any kind of loss or damage, direct or indirect, arising from your use or inability to use the Services, or from your reliance on any content of the Services. This includes, but is not limited to, any investment losses, loss of profits, loss of goodwill, loss of data, business interruption, or any other commercial or monetary loss, even if advised of the possibility of such damages. This limitation of liability clause shall survive the termination of the agreement between you and the Company.

The Company is not responsible for the accuracy or content of any third-party content or linked websites.

 

15. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region. You irrevocably agree that the courts of the Hong Kong Special Administrative Region shall have exclusive jurisdiction over any claim or dispute arising from or in connection with these Terms.

 

• Mediation First: Before initiating any court proceedings (except for applying for an emergency injunction), the parties agree to first attempt to resolve any dispute in Hong Kong through good faith negotiation and mediation.
• Exclusive Jurisdiction: If mediation fails, the parties agree to submit the dispute to the courts of Hong Kong for exclusive jurisdiction.

 

16. Indemnification

You agree to indemnify and hold harmless Karisma Advisory Limited and its affiliates, directors, employees, and agents from and against all claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or relating to your breach of these Terms, abuse of the Service, or infringement of any third party's rights by your User Content.

 

17. Modification of Terms

These Terms are reviewed and modified from time to time. You should therefore read these Terms and the order terms before you place any order.

 

18. Customer Service:

If you have questions or comments regarding products on chiefpapalearning.com or chiefpapa.com, please email us at support@chiefpapa.com.

 

 

 

 

更新

以下服務條款、隱私權政策和免責聲明可能隨時更改，最終解釋權歸網站所有者和經營者所有。請定期造訪網站以獲取更新資訊。

 

服務條款/隱私權政策/免責聲明

 

最近更新日期：2026 年 1 月 30 日

 

【重要通知與風險警告】
在使用本網站的任何服務之前，請仔細閱讀以下所有條款。使用本網站的任何部分，即表示您已閱讀、理解並同意受本服務條款的全部內容約束。如果您不同意，請立即停止使用本網站。

【重大投資風險警告】
投資涉及重大風險。證券及其他金融工具的價格可能且確實會波動，甚至可能變得毫無價值。您可能會損失您的全部或大部分投資。過往表現並非未來結果的指標。在做出任何投資決策之前，您應仔細考慮自身的財務狀況、投資目標、經驗、風險承受能力，並尋求獨立的專業財務建議。您須對所有投資決策負上全部責任。本網站提供的任何內容均不應被視為減輕或轉移此類風險的工具。

【教育性質聲明】
chiefpapalearning.com 或 chiefpapa.com所提供的所有服務和內容僅供教育和資訊用途。您同意並確認 chiefpapalearning.com、chiefpapa.com、其關聯公司 KARISMA ADVISORY LIMITED，以及任何與本網站相關的個人，均非註冊投資顧問或註冊證券經紀商。

 

1. 條款接受

本服務條款（以下簡稱「本條款」）規範您對 chiefpapalearning.com 或 chiefpapa.com網站（以下簡稱「本網站」）及相關服務（定義見下文）的使用，本網站及相關服務由 Karisma Advisory Limited（以下簡稱「本公司」、「KAL」、「我們」或「我們的」）擁有及營運。本條款以引用方式納入我們的隱私權政策。

我們保留隨時修改本條款的權利，恕不另行通知。您有責任定期查閱本條款 https://www.chiefpapa.com/terms-and-conditions 以了解任何變更。您在條款修改後繼續使用本網站，即表示您接受此類變更。

 

2. 服務定義

本條款中所指的「服務」包括但不限於：

免費服務：指網站上提供的所有免費內容，包括免費精華課、部落格文章、論壇、使用者生成內容、第三方內容、電子書等。
付費服務：指您需要付費才能存取的任何內容，包括但不限於線上課程、研討會、訂閱內容、會員專屬區域、教練服務等。

內容：指通過本服務提供的任何及所有材料，包括但不限於視頻、課程、講座、幻燈片、文本、圖表、音頻、錄播、模板、工具、社群帖子及可下載文件。
用戶內容：指您通過本服務上傳、發布、提交或以其他方式提供的任何內容，包括但不限於論壇帖子、評論、問題及文件。
社群空間：指我們為提供社群功能而設的任何留言板、論壇、聊天室、評論區、直播聊天室，以及在第三方平台上運營的相關渠道。

 

3. 【核心免責聲明】關於我們所提供資訊的重要免責聲明
3.1 非投資建議 ：本公司為出版及教育機構。本網站及透過服務所提供的所有內容，包括任何觀點、意見、分析或策略，均不構成投資建議。其僅供教育和資訊目的，不構成出售或購買任何證券的要約或招攬。

3.2 非個人化建議：本服務的內容是針對廣大投資者和交易者的通用資訊，並未考慮任何特定個人的投資目標、財務狀況、投資知識、風險承受能力或個人看法。您理解，本網站上發布的任何內容均不構成任何特定投資、證券、投資組合、交易或投資策略適合任何特定人士的建議。您進一步理解，本網站的任何創作者、提供者或其附屬機構，均不會就任何特定投資的性質、潛力、價值或適合性向您提供個人化建議。因此，您不應試圖聯繫他們以尋求個人化投資建議。
 

3.3 用戶的獨立決策：您應對您的所有投資決策負全部責任。在您根據任何資訊進行交易或採取行動之前，您應諮詢您自己的財務或投資顧問。您購買任何證券的決定是出於您的自由意願，基於您自己的研究，並在諮詢您的投資顧問後作出的。在任何情況下，本公司或其附屬機構（包括 Chief PaPa 本人或任何關聯人）均不對您使用本網站和服務所產生的任何後果負責。您同意完全免除本公司及其附屬機構的任何及所有責任。

3.4 意見與利益衝突：您理解，本網站及透過服務所表達的觀點僅為導師或作者的個人意見。您理解並同意，本公司的附屬機構和員工可能不時持有本網站和服務中提及的公司的證券或其衍生品的長倉或短倉，並可能採取與所表達觀點不一致或相反的立場。我們沒有義務披露此類持倉。

3.5 過往表現：投資涉及風險和波動性。過往表現（包括任何提及的歷史範例或回報數字）絕不代表未來結果。我們可能不時引用過去發表的文章和意見。這些引用可能是選擇性的，可能僅引用文章或建議的一部分，並且可能不是最新的。由於市場不斷變化，您不應依賴任何先前發布的資訊和數據。

3.6 非個人交易記錄：本網站上提供的任何服務，包括任何模型投資組合或提及的交易僅供教育和資訊目的。他們均不構成，也不代表 Chief PaPa 本人，或其他關聯人的個人投資組合、投資計劃或實際交易記錄。由於交易成本、流動性、時機、市場波動、資本規模以及您獨立運用所提供資訊的能力等因素（但不限於此），您的實際結果可能與預期有重大差異。

 

4. 機構性質與用戶資格

4.1 機構性質聲明：本公司特此明確聲明，本公司並非香港法例第571章《證券及期貨條例》所界定的持牌法團或註冊機構，亦未持有香港證券及期貨事務監察委員會（證監會）或任何其他金融監管機構發出的任何牌照，以從事任何受規管活動。

4.2 用戶資格與適用性：本服務僅供能夠獨立評估投資風險並承擔相應後果的個人使用。透過註冊和使用本服務，您必須確認您已年滿18歲、精神健全，並已充分評估自身的風險承受能力。如果您對自己的風險承受能力有任何疑問，應立即停止使用本服務並諮詢獨立的專業顧問。

 

5.使用限制
5.1您同意並承諾絕不進行以下任何活動：

• 為任何商業目的複製、轉售、出租、或以其他方式利用本服務或內容的任何部分；
• 與任何第三方共享、出售、轉讓您的賬戶、訂閱或登錄憑證；
• 規避任何訪問控制、安全功能、付費牆或地理位置限制；
• 使用任何網絡爬蟲、機器人或類似的自動化數據提取方法抓取本網站數據；
• 錄製、拍攝、直播、或創建任何內容或直播課程的音頻/視頻/屏幕錄像，或系統性地進行截圖，除非獲得我們明確的書面授權；
• 在任何第三方平台（包括消息應用、社交媒體、文件共享服務）上分享任何付費內容；
• 使用我們的任何內容（包括其結構、方法和材料）創建任何具有競爭性質的課程、產品或服務；
• 為了開發、訓練或測試任何人工智能（AI）、機器學習模型或其他自動化系統，訪問、使用或處理我們的任何內容。

5.2 設備與會話限制及監控

為保護服務的完整性並防止未經授權的共享，我們保留對並發登錄會話、註冊設備數量和異常登錄活動實施合理限制的權利。您確認並同意，我們可使用訪問日 誌、設備標識符、內容水印和異常活動檢測等技術措施來調查可疑的違規行為。

 

5.3 直播會話錄製與參與者同意

• 您確認並同意，所有直播會話都可能被錄製。通過參與任何直播 會話（包括開啟音頻、視頻或在聊天區發言），您明確同意您的姓名/用戶名、聲音、肖像（如 您啟用攝像頭）、聊天消息以及您分享的任何材料都可能被包含在錄製內容中;
• 此類錄製內容將用於向學員提供課程回放、進行內部質量監控和培訓，以及處理潛在的服務濫用或安全問題;
• 如果您不希望被錄製，您應避免在直播會話中開啟攝像頭或麥克風，並避免分享任何個人或機密信息。

 

6. 知識產權

本網站上的所有內容，包括但不限於文本、圖形、標誌、圖像、音頻、視頻、數據彙編和軟件，均為本公司或其內容供應商的財產，並受香港及國際版權法保護。「Chief PaPa」、「Rich Cheung 張富有」、「贏勢技術」和「智富爸爸」等商標為本公司所有。

除非另有說明，您可為個人、非商業用途存取及使用本網站上的資訊和材料。您嚴禁更改、修改、改編、利用或複製任何資訊、材料、商標或版權以供分發或銷售。在您發布、分發、展示或商業利用本網站上的任何材料之前，您必須獲得我們或擁有本網站智慧財產權的任何其他實體的書面許可。

所有課程和方案僅供購買者在我們的平台上個人使用。內容僅供購買者觀看，不得在任何平台、網站或通訊軟體上轉售、分享、散播或傳輸，包括與他人共享帳號。違反本政策將導致違規者的帳號立即終止，並永久禁止存取我們的付費內容，本公司將不退還任何已支付的款項。此外，本公司保留採取一切法律行動，追究盜竊和侵犯我們智慧財產權的權利。

 

7. 訂閱、付款與取消

7.1 退貨、退款與訂閱取消

所有產品在任何情況下均不可退貨且不可退款（除非特定產品另有規定）。除非特定產品在購買時另有明確的書面保證，否則所有已支付的費用均為最終費用且不可退還。我們不為未使用的訂閱期提供按比例的退款或積分。

 

您在本公司旗下的會籍將按月持續，除非您取消會籍或我們終止會籍。您必須具備網際網路連線，並向我們提供目前有效且可接受的付款方式，方可使用服務。除非訂閱者更新或變更，否則我們將向您註冊時使用的付款方式收取每月（若您選擇按年付費，則為每年）的會籍費用。您必須在會籍每月（若您選擇按年付費，則為每年）續訂前取消會籍，以避免下個月（或下一年）的會籍費用被計入您的付款方式。

• 月訂閱用戶需至少提前 7 天發送郵件至 support@chiefpapa.com 取消會員資格。
• 年訂閱用戶需至少提前 30 天發送郵件至 support@chiefpapa.com 取消會員資格。

如您對任何收費有異議，您同意在向您的銀行或支付提供商提出拒付（Chargeback）前，首先通過 support@chiefpapa.com 與我們聯繫，並提供交易詳情，以便我們在內部解決問題。

7.2 訂閱

服務的某些部分是以訂閱（「訂閱」）方式計費。您將以循環和定期的方式（「計費週期」）預先支付費用。計費週期根據您在購買訂閱時選擇的訂閱方案類型，設定為每月或每年。

在每個計費週期結束時，您的訂閱將在完全相同的條件下自動續訂，除非您或 Karisma Advisory Limited 取消訂閱。您可以聯繫 Karisma Advisory Limited 客戶支援團隊 support@chiefpapa.com 來取消您的訂閱續訂。

透過訂閱購買的所有產品和內容的存取權限，均取決於訂閱的有效狀態。一旦訂閱停止有效，透過該訂閱獲得的所有先前存取權限將被終止。訂閱僅在訂閱費用已支付並涵蓋相關服務期間內視為有效。延遲付款、未能按時續訂，或由您或 Karisma Advisory Limited 發起的訂閱取消，都將導致訂閱失效。

 

7.3 費用變更
Karisma Advisory Limited 可全權酌情決定隨時修改訂閱服務的費用（下稱「訂閱費用」）。任何訂閱費用變更將於當時的計費週期結束時生效。

Karisma Advisory Limited 將就任何訂閱費用變更向您提供合理的提前通知，讓您有機會在此類變更生效前終止您的訂閱。

在訂閱費用變更生效後，您繼續使用本服務，即構成您同意支付經修改的訂閱費用金額。

 

7.4 拒付處理
如果您發起拒付，我們保留暫停您訪問服務的權利，直到爭議解決為止。如果拒付被裁定為無效，我們保留向您追討因此產生的所有相關費用（包括銀行或支付處理商收取的罰款）的權利。

 

8. 實體活動/研討會

研討會特價和贈品（如有）僅在相關款項（或分期付款，如適用）到期後的 24 小時內全額支付（或分期付款，如適用）的情況下才能兌換。

贈品產品和贈品課程必須在指定時間範圍內兌換；如果未明確說明該時間範圍，則應視為在 3 個月內或在購買時顯示為可用的最新日期之前，以較早者為準。

贈品產品和贈品課程不可轉讓，不可兌換現金或任何其他產品和/或課程。如果學員未能參加（無論出於任何原因）贈品課程，將被視為放棄該贈品課程，KAL 沒有義務就此安排任何形式的補課。

「學員」必須按照指定的時間和日期上課；否則，課程費用將不予退還。KAL 有時會根據其絕對酌情權為個別學員做出特殊安排，這不應被視為一般慣例。

未經明確許可，不得進行攝影、錄影或錄音。KAL 可根據其絕對酌情權將違規者從當前課程和/或所有未來課程中移除。

對於任何涉及投資相關主題的課程，講者的意見不代表 KAL 的意見。此資訊僅供教育目的，並非投資招攬。學員同意在做出任何投資決定前，應始終尋求專業建議。KAL 對申請人的任何投資收益或損失概不負責。

部分課程將以互動遊戲的形式進行。參與者應對自身及他人的安全採取適當的謹慎措施。有不適合該活動的醫療或健康狀況的人士應格外小心。本公司對任何傷害概不負責。

如香港天文台宣佈懸掛或可能懸掛八號或以上颱風信號，所有課程將取消，直至另行通知。如上述情況在課程進行中發生，課程將立即暫停。

如香港天文台宣佈懸掛黑色暴雨警告，所有課程將取消，直至另行通知。如上述情況在課程進行中發生，課程將繼續。

您同意 KAL 將拍攝照片和影片用於宣傳用途。由此產生的所有材料版權均屬於 KAL。

 

9. 見證、評論與圖片/影片

KAL 樂於聽取使用者和客戶的意見，並歡迎您對我們的服務和產品提出評論。KAL 可以將見證和/或產品評論的全部或部分，連同提供/提交者的姓名、圖片、城市和州別一起使用。

 

見證可用於與 KAL 服務或產品相關的任何形式活動，包括印刷和線上媒體，具體由 KAL 自行且獨家決定。見證代表提交見證的參與者和客戶的獨特經驗，並不一定反映您在使用我們的服務或產品時可能擁有的經驗，也不能保證未來的結果或成功。您的個人、事業和業務成果將根據您獨有的各種因素、您的業務以及超出 KAL 控制的市場力量而有所不同。請注意，您提供給我們的見證、照片和其他資訊將被視為非機密和非專有資訊，且透過提供這些資訊，您授予 KAL 一項免版稅、全球性、永久、非獨家且不可撤銷的使用許可。
 

此外，KAL保留在發布或使用前更正語法和打字錯誤、縮短見證、根據SEO（搜尋引擎最佳化）要求對顧客評價進行微調的權利，並保留在發布或使用前審查所有見證的權利。KAL沒有義務使用任何提交的見證或產品評論的全部或任何部分。

 

10. 您的帳戶

您同意在向 chiefpapalearning.com、chiefpapa.com 或 Karisma Advisory Limited 註冊及使用其服務時，提供準確且完整的資訊，並且您同意更新您的帳戶資訊以保持其準確性和完整性。您同意 chiefpapalearning.com、chiefpapa.com或 Karisma Advisory Limited 可以儲存和使用您提供的資訊，以便用於維護您的帳戶及向其收取費用。

 

10.1 存取先前購買項目

作為對您的便利措施，在您取得chiefpapalearning.com、chiefpapa.com或Karisma Advisory Limited的培訓後，您可以將先前取得的培訓（除非明確禁止）下載到任何關聯設備上。您先前取得的某些chiefpapalearning.com、chiefpapa.com或Karisma Advisory Limited培訓或服務可能在任何特定時間無法再次下載或存取，chiefpapalearning.com、chiefpapa.com或Karisma Advisory Limited對此類情況不對您承擔任何責任。由於您可能無法再次下載某些先前取得的內容或培訓，因此一旦您下載了某項內容，您有責任不使其遺失、損毀或損壞，並且您可能需要對其進行備份。

本網站（chiefpapalearning.com 和 chiefpapa.com）或 Karisma Advisory Limited 保留權利，可更改內容選項（包括特定功能的資格）或在不另行通知的情況下，移除對任何先前購買但已失效或被視為過時的培訓或內容的存取權限。

 

11. 個人資料私隱

我們致力於保護您的個人資料私隱，並承諾嚴格遵守香港特別行政區法例第486章《個人資料（私隱）條例》（下稱 「PDPO」）的規定。本私隱政策旨在向您闡明，我們如何收集、使用、儲存、共享及保護您的個人資料。 在使用我們的服務前，請您務必仔細閱讀並理解本政策。當您開始使用我們的服務，即表示您已同意我們根據本政策處理您的個人資料。

 

11.1 為提供及優化我們的服務，我們會在合法且必要的情況下，收集以下類型的個人資料：

• 身份識別及聯絡資料：例如您的姓名、電郵地址、電話號碼。 
• 賬戶資料：您在註冊時設定的用戶名、密碼（加密儲存）以及其他個人檔案信息。 
• 交易與支付資料：包括您購買課程或訂閱服務時的交易記錄、您的訂單 ID、帳單地址。請注意，我們不會儲存您的完整信用卡號碼，所有支付過程均由符合安全標準的第三方支付平台處理。 
• 技術與使用數據：您的IP地址、瀏覽器類型、設備信息、登入登出時間、課程瀏覽進度等，以助我們改善服務及保障系統安全。 
• 使用者內容：您自願提交或發佈在我們社群、論壇、評論區、直播間（包括聊天功能）或其他互動功能中的任何內容，包括問題、評論或分享的資料。
• 通訊資料：您與我們客戶服務團隊的通訊和諮詢記錄，包括電子郵件、線上支援訊息和相關信函。

11.2 我們高度重視對未成年人個人資料的保護。 

• 年齡限制與家長同意：我們的服務主要面向成年人。若用戶未滿18歲（下稱「未成年人」）， 必須在註冊及使用服務前，取得其父母或合法監護人的明確同意。我們將通過特定程序（例如，要求父母或監護人通過其電郵地址進行確認，並向其提供本私隱政策及服務條款）來驗證此等同意。未經家長或監護人同意，未成年人不得註冊賬戶或使用我們的服務。
• 資料使用限制：我們承諾，僅為提供相關教育服務之目的收集和使用未成年人的個人資料。 我們不會將其資料用於直接促銷或任何與課程無關的商業用途。
• 監護人權利：未成年人的父母或監護人有權隨時查閱、更正其子女的個人資料，或撤回其同意。

11.3 我們收集您的個人資料，主要用於以下目的： 

• 提供與管理服務：處理您的註冊、訂閱及課程購買請求，建立和維護您的賬戶。 
• 處理支付：管理賬單、處理付款及預防欺詐交易。 
• 客戶支援：回應您的查詢、請求及解決技術問題。 
• 服務通訊：向您發送與賬戶、安全、賬單及服務更新相關的重要通知。 
• 改善服務：分析用戶行為及偏好，以優化我們的網站功能、課程內容及用戶體驗。 
• 法律規管：遵守適用法律法規的要求，及執行我們的服務條款並保護我們的權利。
• 合法合規：預防、偵測和調查詐欺或不當行為。
• 運營管理：進行業務運營，例如分析、報告和內部審計。
• 資料備份：錄製並提供現場會議的回放，並進行內部培訓/品質保證以及與濫用、詐欺、安全事件或未經授權共享相關的調查。

11.4 在法律允許的範圍內，我們可能會向您發送有關我們產品、服務、活動或優惠的行銷訊息。您可以隨時透過電子郵件中的「取消訂閱」連結或發送電子郵件至 support@chiefpapa.com 聯絡我們來選擇退出。

 

11.5 我們不會出售、出租或交易您的個人資料。但為實現本政策所述目的，我們可能在以下情況與第三方共享您的資料： 

• 服務供應商：我們會與提供核心服務支持的第三方合作，例如雲端伺服器供應商、支付處理平台、電郵發送服務商等。我們已與該等供應商簽訂嚴格的保密協議，要求它們只能為我們指定的目的使用您的資料，並提供不低於PDPO要求的保護標準。 
• 法律要求：當應法院、政府部門或執法機構的合法要求時，我們可能需要披露您的個人資料。 
• 業務轉讓：如本公司涉及合併、收購或資產出售，您的個人資料可能作為交易的一部分被轉移，但我們會確保接收方繼續受本私隱政策的約束。

11.6 資料保安

• 保安措施：我們採取一切合理且切實可行的技術與組織措施（如數據加密、訪問控制、系統監控）來保護您的個人資料，防止未經授權的查閱、處理、刪除或遺失。
• 保留期限：我們只會在達成本政策所述目的所需的最短時間內保留您的個人資料。保留期結束後，除非法律另有規定，我們將採取切實可行的步驟，安全地刪除或匿名化處理您的資料。
• 數據洩漏管理：一旦發生個人資料洩露事件，我們將根據適用法律的要求進行評估和應對。在法律規定的情況下，我們將及時向香港個人資料私隱專員公署（PCPD）及受影響的個人作出通報。
• 跨境數據轉移：您的個人資料可能會被轉移、儲存和處理至香港以外的地區。在進行此類轉移時，我們將採取所有合理步驟，確保接收方能夠提供不低於香港《個人資料（私隱）條例》所要求的保護標準。

11.7 根據PDPO，您擁有以下權利：

• 查閱權：您有權向我們查詢是否持有您的個人資料，並索取該等資料的副本。
• 改正權：如您發現我們持有的您的個人資料不準確，您有權要求我們作出更正。
• 撤回同意權：您有權隨時撤回您對我們使用您個人資料的同意，特別是針對直接促銷的同意。

如欲行使上述任何權利，請發送電子郵件至 support@chiefpapa.com聯絡我們 。

 

12. Cookies政策
我們的網站使用Cookies（小型文字檔案）以區分您與其他用戶，並提供個人化的瀏覽體驗。我們使用Cookies來記住您的偏好、管理登入狀態以及分析網站流量。您可以通過瀏覽器設定來管理或拒絕Cookies，但請注意，這可能會影響本網站部分功能的正常運作。

 

我們使用Cookies來： 

• 確保網站核心功能的運作（必要性Cookies）。
• 分析網站流量和用戶行為以改善我們的服務（分析性Cookies）。 
• 記住您的偏好設置，如語言選擇（功能性Cookies）。 
• 提供與您更相關的廣告（廣告性Cookies）。

 

13. 社交媒體群組與社群

我們希望人們在使用我們的群組和交流區感到安全。因此，我們制定了一套社群準則，詳述如下。這些政策將幫助您了解在我們的私人群組和社群中允許分享的內容類型，以及可能向我們舉報並被移除的內容類型。

• 保持尊重：任何不當的負面、粗魯或攻擊性評論將會被刪除、移除，或我們保留要求您修改相關內容的權利。
• 禁止向群組推銷：我們的群組對「禁止招攬客戶」有嚴格的政策。這包括引導人們前往包含您的優惠/聯盟行銷優惠的部落格文章，以及公開要求成員加入您自己的 Facebook 群組或社群。
• 禁止門檻內容（Gated Content）：在群組中發布的內容不得以任何方式用於收集潛在客戶（leads）。如果您需要回饋或評論，請直接發布 PDF、文件或螢幕截圖。請勿要求人們選擇加入（opt-in）才能查看。
• 尊重保密性：在我們的線上社群群組中收集的內容不得在群組外被收集、重新包裝和/或分享。
• 保持主題相關：我們保留權利，可根據內容偏離主題或具有冒犯性內容而移除貼文。
• 與其他成員合作：存取社群和群組並不意味著 chiefpapalearning.com 、chiefpapa.com或 Karisma Advisory Limited 認可任何人的產品或服務。當您與群組中的任何人合作時，請務必謹慎並進行盡職調查。
• 舉報違反群組政策的貼文：如果您看到可疑的貼文，請舉報、在評論中標記我們的社群經理，或直接聯繫我們的社群經理。
• 違反規則：違反規則的行為將在三次警告後導致從群組中移除 7 天。在 7 天期限過後，歡迎您在 30 天的試用期內重新加入群組。如果您在試用期內再次違反規則，您將被永久從社群或群組中移除。

 

14. 責任限制

本服務是依「現狀」及「現有」基礎提供。在法律允許的最大範圍內，本公司、其董事、員工、關係企業或授權人對於您使用或無法使用本服務，或因您信賴本服務的任何內容而直接或間接產生的任何種類的損失或損害，概不承擔責任。這包括但不限於任何投資損失、利潤損失、商譽損失、資料遺失、業務中斷，或任何其他商業或金錢損失，即使已被告知發生此類損害的可能性。本責任限制條款在您與本公司之間的協議終止後仍應繼續有效。

本公司對任何第三方內容或連結網站的準確性或內容概不負責。

 

15. 管轄法律與爭議解決

本條款應受香港特別行政區法律管轄並依其解釋。您不可撤銷地同意，香港特別行政區法院對因本條款引起或與之相關的任何索賠或爭議擁有專屬管轄權。

• 調解優先：在提起任何法庭訴訟（申請緊急禁制令除外）之前，雙方同意首先在香港嘗試通 過誠信協商和調解來解決任何爭議。
• 專屬管轄權：如調解失敗，雙方同意將爭議提交至香港法院進行專屬管轄。

 

16. 彌償

您同意就因您違反本條款、濫用本服務、或您的用戶內容侵犯任何第三方權利而引起的所有索賠、責任、損害、損失和開支（包括合理的律師費），對 KAL 及其關聯公司、董事、員工和代理人作出彌償，使其免受損害。

 

17. 條款修改

這些條款會不時進行審核和修改。因此，您在下訂單前應仔細閱讀這些條款以及訂單條款。

 

18. 客戶服務

如果您對chiefpapalearning.com或chiefpapa.com上的產品有任何疑問或意見，請發送電子郵件至 support@chiefpapa.com 與我們聯繫。