iCard Club User License and Service Agreement

【Preface】

Welcome to use the services provided by 【Hong Kong Manka Technology Limited】(including but not limited to its affiliates and partner companies, hereinafter referred to as "we" or "iCard Club Platform"), including other online services currently provided and those that may be provided to users in the future, collectively referred to as the "Services" hereinafter.

We hereby specifically remind you that if you intend to use the aforementioned services, please carefully read and fully understand all clauses in the *User License and Service Agreement*(hereinafter referred to as "this Agreement") in advance, especially the clauses that exclude or restrict liabilities, as well as the separate agreements concluded when you activate or use a specific service.

When a user accesses the registration page and checks the box marked "I have read and agree to the User License and Service Agreement", the user shall be deemed to have read the content of this Agreement in detail, and understood and agreed to abide by the provisions hereof. If you disagree with any term of this Agreement, you may be unable to use all or part of the services we provide. For provisions such as restrictions, disclaimer clauses and other content that requires the user's focused attention, we use bold formatting to prompt users to pay key attention to them.

I. [Definitions]

1.1 This Agreement: refers to the agreement concluded by you when using the services provided by the iCard Club platform, including the iCard Club User License and Service Agreement, the iCard Club Privacy Policy, as well as other separate agreements, business rules, notices and announcements that may be continuously released by the iCard Club platform in relation to service provision.

1.2 iCard Club Platform: refers to the application or other forms named iCard Club that we legally own and operate, including but not limited to the iCard Club website, mobile application, Client application, mini-program and other carriers to be developed in the future. For the avoidance of doubt, we also reserve all rights to adjust the name of the platform.

1.3 iCard Club Platform Services: refer to the various functions or services that we provide to users through the iCard Club platform, including but not limited to content browsing, content publishing, bookmarking, commenting, sharing, reposting, search and inquiry, and platform activities, the specific contents shall be subject to what we actually provide.

1.4 User: refers to a natural person who uses the iCard Club platform and its services by means of copying, downloading, browsing or other methods, and is referred to as "you" in this Agreement.

1.5 Platform Rules: refer to the rules, community conventions, player regulations, platform announcements, prompts and notices regarding the iCard Club platform that are issued and revised from time to time by the service provider of the iCard Club platform.

II. [Service Content]

2.1 This platform provides users with functions such as industry information browsing, card recognition, price reference, asset management, community interaction (including but not limited to following, liking, commenting, etc.) and PC desktop widget card.

2.2 This Platform integrates the price information of goods or services from third-party e-commerce platforms/merchants through technical authorization, and provides you with services such as price comparison and price trend inquiry. All price information displayed on this Platform is sourced from public third-party channels, and factors including product titles, version identification, image association and market fluctuations may affect the results. Price trends and valuations are for market reference only and do not constitute investment advice; the Platform makes no guarantee as to the real-time accuracy or completeness of the prices, and the final price shall be subject to the actual transaction page.

2.3 The Platform reserves the right to add, adjust or discontinue certain functions as required for its operation, provided that it will give prior notice to you via announcements on the Platform. If you do not agree to the adjusted service content, you have the right to stop using this Platform.

III. [Rights Statement]

3.1 The services we provide include, but are not limited to: software, programs, documents, interface designs, layout frameworks, icons, trademarks, etc. Except for software, technologies and content that are subject to third-party authorization, all of these contents are owned by the iCard Club platform, and are protected by the International Copyright Convention, the Copyright Law of the People's Republic of China, the Trademark Law, the Patent Law, the Anti-Unfair Competition Law, relevant international treaties and other intellectual property laws and regulations. However, the rights that third parties shall enjoy in accordance with laws and regulations shall still belong to the original right holders.

3.2 Notwithstanding any other provisions of this Agreement, the ownership and intellectual property rights of the operational data generated during your use of the iCard Club platform services shall vest in the iCard Club platform, which shall be entitled to store and dispose of such data to the extent permitted by law.

IV. [Rights Restrictions]

4.1 Prohibition of Reverse Engineering, Reverse Compilation and Reverse Assembly: You shall not reverse engineer, decompile or disassemble the iCard Club platform and this Service, nor shall you alter any resources compiled inside the program files.

4.2 Component Segmentation: You shall not separate the various parts (including but not limited to all services related to this Service, electronic documents, copyrights, trademarks, this Agreement and any statements, etc.) for any purpose.

4.3 Individual Authorization: Without the prior consent of the iCard Club platform and the written authorization and permission granted by the iCard Club platform, you shall not engage in any commercial sale, reproduction, or distribution of this Service.

4.4 Reservation of Rights: All other rights not expressly granted under this Agreement shall remain vested in the iCard Club platform, and you shall not use any such rights unless with the prior written consent of the iCard Club platform.

V. 【Account Registration】

5.1 When using the services we provide, you may need to register an account. During the registration process, you may be required to provide some of your information, and you undertake that the information you provide is true, complete and valid; otherwise, you may fail to successfully register an account and may be restricted from using the services we provide.

5.2 When you register an account using a third-party account, you agree that we may collect third-party account information related to login to facilitate the completion of your registration.

5.3 In accordance with the requirements of relevant laws and regulations, when using the services, you shall provide your real information to complete real-name authentication.You authorize the iCard Club platform, without violating the provisions of laws and regulations or for the purpose of safeguarding the security of your account, to initiate inquiries on the authenticity of identity, credit records, validity status of mobile phone numbers and other such matters with authoritative institutions including the National Citizen Identity Number Inquiry Service Center, industrial and commercial registration authorities, telecommunication operators, and Financial Services institutions based on the information you provided such as your name, mobile phone number, and ID card number.

5.4 If you do not log in to an account or complete real-name authentication, you may only use the guest experience mode, and may not be able to recharge or make purchases. If you log in to the platform while in the guest experience mode, your browsing data will be cleared after you log in from a different device, your device is damaged, or the guest experience ends, and such data cannot be queried or restored, which you hereby acknowledge and agree to.

5.5 The usernames, nicknames, seller names and other identifiers you set when using the Services shall not violate laws and regulations, shall not infringe upon others' legitimate rights and interests such as intellectual property rights and reputation rights, and shall not contain words that are harmful or prohibited by laws and regulations which directly or indirectly imply insult to others, including but not limited to those involving pornography, violence, terrorism, war themes, and racial discrimination.

5.6 The ownership of the account you register on the iCard Club platform belongs to the iCard Club platform. After your registration application is approved, you will have the right to use the account.The iCard Club platform reserves the right to reclaim the account you use in accordance with legal provisions, requirements of regulatory authorities and business needs.

5.7 The iCard Club platform reserves the right to review the materials and information you submit, and to decide whether to approve your registration application. If it is found that there are circumstances such as registration with false information, malicious registration, use of words that infringe upon the legitimate rights and interests of others, or use of the aforementioned bad words or words prohibited by laws and regulations, the iCard Club platform reserves the right to refuse registration.For already registered accounts, the iCard Club platform reserves the right to take measures including issuing a warning, ordering rectification within a time limit, imposing a temporary suspension, cancelling the account, or reclaiming the account.

VI. [User Account Usage and Custody]

6.1 Pursuant to laws, regulations and relevant regulatory requirements, we have the right to verify the authenticity and validity of the identity information provided by users during registration, and shall actively adopt reasonable measures including technical and administrative measures to ensure the security and validity of user accounts; users are obligated to properly keep their accounts and passwords, and use their accounts and passwords correctly and securely. Where any party fails to fulfill the aforesaid obligations, resulting in circumstances such as loss of account password or account theft, which causes damage to the civil rights of users and other parties, such party shall bear the corresponding legal liabilities arising therefrom.

6.2 Users shall, in accordance with the law, enjoy rights and bear responsibilities for the actions performed under the accounts they hold after logging in.

6.3 If you discover that your account or password has been illegally used by others or there is any abnormal usage of it, you shall promptly notify us in accordance with the processing methods we publish, submit relevant materials, and have the right to notify us to take measures to suspend the login and use of the account. After receiving your notification and verifying your identity, we will take corresponding restrictive measures in accordance with your requirements (including but not limited to suspending the login and use of the account, etc.). If any loss is caused to you or other users as a result of the measures taken at your request, you shall bear such loss on your own.If you do not provide your personal valid identity document or the personal valid identity document provided by the user is inconsistent with the registered identity information, we have the right to refuse the user's above request, and the losses caused will be borne by you personally.

6.4 Users are prohibited from selling, transferring, lending, or sharing their account or password with others.Due to the user's negligence in storage or any third-party behavior, if the user's account or password is illegally used by others, and any consequences arising therefrom, we shall not be liable for any responsibility.

6.5 If you need to cancel your account, you can handle it through the channels we have announced. You understand and agree that once your account is cancelled, you will no longer be able to use the account to log in and use the services we provide and cannot be restored. Except for those required to be kept in accordance with laws and administrative regulations, all other transaction records will be deleted together. Upon successful account deregistration, you will forfeit the following rights and interests:(1) Your transaction records will be cleared. Please ensure that all transactions have been completed and are free of disputes. Any rights and interests related to returns/exchanges, consumer rights protection-related fund refunds that may arise from historical transactions after account deregistration shall be deemed as automatically waived. (2) Your identity information, account information, membership points and other membership benefits will be cleared and cannot be restored.

VII. [Rights of Users]

7.1 Users may use the services we provide in accordance with this Agreement and other rules that we publish and amend from time to time.

7.2 Users have the right to supervise whether we provide services to users in accordance with the published standards during the period of using the services we provide, and may put forward opinions and suggestions related to the services to us at any time.

7.3 If a user disagrees with the terms of this Agreement, or has any objection to the subsequently amended or updated terms of the Agreement, or is dissatisfied with the services we provide, the user may choose to stop using our services at any time.If the user elects to discontinue using our services, we shall no longer bear any obligations or liabilities to the user.

7.4 You represent and warrant that the content (including but not limited to text, images, videos, audio, etc.) you upload and publish on the iCard Club platform shall have a legitimate source, shall not infringe upon the intellectual property rights, publicity rights or privacy rights of any third party, nor shall it violate any applicable laws and regulations, and that you own such relevant content or have obtained the necessary authorization therefor.Unless we receive notice to the contrary, we shall deem the user to be the copyright owner of the content uploaded or posted by the user on the iCard Club platform; the user shall bear full responsibility for any claims made by third parties or any damages or losses arising from the user's uploading or posting of the aforementioned content on this website.

7.5 When a user uploads, generates or publishes content on this platform (including but not limited to content in various forms such as text, images, audio, video, LIVE content, product information, transaction records, review content, and all components thereof including music, sounds, lines, visual designs, dialogues, etc.), such act shall be deemed as the user's consent to grant us a free, irrevocable, perpetual, transferable and non-exclusive license to use all the aforementioned content worldwide. We shall have the right to display, distribute and promote the aforementioned content, to reproduce, modify, publish, distribute the aforementioned content in any form or use it in any other manner, or authorize a third party to reproduce, modify, publish, distribute the aforementioned content or use it in any other manner, as well as the right to collect evidence, file a complaint or initiate a lawsuit in its own name or entrust a professional third party against any infringement of the intellectual property rights in the content uploaded by you.This authorization shall terminate upon your deletion of the relevant content or deactivation of your account; provided, however, that we may continue to retain and use legally formed data caches prior to such termination, data that has been used for anonymization statistics and analysis, as well as content that we have publicly reposted or used. To avoid ambiguity, the aforesaid authorization includes the right and license to use, reproduce and display the personal images, portraits, voices, names, titles, trademarks, service marks, brands, logos, company emblems and any other branding, marketing or promotional assets, materials and creatives contained in the content that you own or are licensed to use and incorporate into the content.

VIII. [User Code of Conduct]

8.1 Users shall obtain the genuine services provided by us through our official channels or our authorized partner channels. We reserve the right to update, replace or modify the services at any time.

8.2 When using the services provided by us, you shall comply with the provisions of laws and regulations, the agreements set forth herein, various rules publicly announced on the platform, and other notices and public rules issued from time to time.

8.3 Users agree to regulate their behaviors in accordance with various rules issued or modified by us from time to time, including but not limited to this Agreement, so as to accept and use our services.Users shall, in accordance with law, enjoy rights and bear liabilities for the activities conducted via their accounts. 8.4 The Platform reserves the right to delete various non-compliant, illegal, untrue or policy-violating information and content on the site without notifying users. To ensure the normal operation of the Platform, the Platform has the right to make independent judgments on information and content that violate laws, policies or are untrue, and users shall not raise any objection thereto. During the period of using the account, users shall abide by the laws and regulations related to Internet information release as well as the generally applicable norms of Internet ethics and etiquette, and users shall independently bear the liabilities for the information and content they release.

8.5 The user agrees to comply with all applicable laws, regulations, and implementing measures. In serious cases, where we reasonably believe that the user's conduct may violate laws or regulations, we may terminate the provision of services to such user at any time without prior notice.

8.6 The user shall not use this product or service to engage in the following acts, including but not limited to:

8.6.1 Those that contravene the basic principles established by the Constitution;

8.6.2 Those that endanger national security, divulge state secrets, subvert state power, or undermine national unity;

8.6.3 Those that impair the national honor and interests;

8.6.4 Those that incite ethnic hatred or discrimination and undermine ethnic unity;

8.6.5 Those that violate the state's religious policies, or promote cults and feudal superstitions;

8.6.6 Those that spread rumors, disrupt social order, and undermine social stability;

8.6.7 Those that disseminate obscene or pornographic content, gambling, violence, homicide or terrorist information, or abet crimes;

8.6.8 Insulting, slandering, or maliciously verbally attacking others, thereby infringing upon the legitimate rights and interests of others;

8.6.9 Infringing upon the intellectual property rights, copyrights, or public/private rights of any third party;

8.6.10 Violating humanistic ethics, public order or good customs;

8.6.11 Containing other content prohibited by laws and regulations;

8.6.12 Otherwise using the Service in any illegal manner, for any illegal purpose, or in any manner inconsistent with this Agreement.

8.7 The User shall not reproduce, copy, sell any part of the Services provided by us, or use our Services for purposes such as surveys, advertisements or other commercial uses, save as otherwise provided in the applicable guidelines or regulations issued by us for specific Services.

8.8 The User shall use the Services in compliance with applicable laws and this Agreement. The User shall not engage in, without limitation, the following acts:

8.8.1 Delete or alter any rights management electronic information on this Service;

8.8.2 Intentionally circumvent or undermine the technical measures adopted by copyright owners to protect the copyright of this Service;

8.8.3 Use this Service to mislead or deceive others;

8.8.4 Violate state regulations by deleting, modifying, adding to, or interfering with the functions of a computer information system, thereby causing the computer information system to fail to operate properly;

8.8.5 Access a computer information network or use computer information network resources without authorization;

8.8.6 Without permission, deleting, modifying or adding functions to a computer information network;

8.8.7 Without permission, deleting, modifying or adding to the data and application programs stored, processed or transmitted in a computer information network;

8.8.8 Disrupting the normal operation of this service system or website, and intentionally spreading destructive programs such as computer viruses;

8.8.9 Any other act that endangers the security of computer information networks.

8.9 When using our services, you shall not obtain the source code of the services through reverse engineering, disassembly, compile or other similar acts.

8.10 Stealing another user’s account or harassing others via online communication is an illegal act. Users shall not use any illegal means such as testing or deception to steal other users’ accounts or harass others.

8.11 You may participate in the iCard Club platform in various activities released from time to time, and may obtain corresponding proceeds or rewards through the activities (including but not limited to physical rewards, gold coins, points or other props, etc. , subject to the specific activity rules). You shall guarantee the authenticity and legality of your actions, abide by the activity rules, and shall not engage in the following acts or provide convenience for the following acts:

Those who maliciously register by means such as purchasing or borrowing large quantities of mobile phone numbers or devices to defraud rewards or proceeds;

Participating in activities to defraud rewards or profits by means of repeated clicks, automated programmatic clicks or other methods;

Those who commit acts such as domain hijacking, malicious redirection, malicious fake traffic generation, and cheating against the involved links or promotional content;

Participating in the activity through other acts violating the principle of good faith or illegal means.

8.12 This Service has undergone rigorous testing, but we do not warrant that it is fully compatible with all hardware, software and systems. In the event of incompatibility or any other issues encountered during your use, you may contact us for technical support. If the issue cannot be resolved, you may elect to terminate this Service.

8.13 When users of the iCard Club platform transmit data and information from Chinese Mainland to overseas, they must comply with relevant Chinese laws and regulations.

8.14 Users shall be fully responsible for the authenticity, legality, non-harmfulness, accuracy and validity of the information transmitted via the account of iCard Club Platform or the services hereunder. Any legal liability related to the information disseminated by users shall be borne by the users themselves and shall have no relation to iCard Club Platform. If any damage is caused to iCard Club Platform or a third party as a result, the user shall compensate therefor in accordance with the law.

Should a user fail to comply with the foregoing provisions, this platform reserves the right to make an independent judgment and take measures including but not limited to closing the transaction order, freezing or deregistering the user account, deducting the security deposit and account balance. In case of serious circumstances, the platform reserves the right to refer the matter to the judicial authority for handling. Users shall bear legal responsibility for their statements and conduct on the Internet.

IX. Tariff Policy

9.1 We shall have the right to determine the tariff standards and charging methods for the services we provide subject to the provisions of laws. We may formulate different tariff standards and charging methods for different services; we may also determine different tariff standards and charging methods according to different phases of the services we provide. We may revise the tariff policy from time to time as needed.

9.2 With regard to our paid services, if you as a user need to use them, please purchase the relevant services in accordance with our tariff policy. If you do not accept our tariff policy, you may choose not to purchase and use the paid services.If a user has not purchased paid services in accordance with the tariff policy but has actually used the relevant paid services, we reserve the right to immediately stop providing such user with the unpaid services.

9.3 We advocate rational consumption among users. When purchasing relevant services, please read the relevant tariff policies and charging methods carefully, independently choose whether to accept paid services, and act according to your financial capacity to consume rationally.

X. Suspension and Termination of Services

10.1 You understand and agree that, in light of changes in national laws and regulations, regulatory policies and industry norms, the rapid development of the Internet, and the needs of service operation, the platform may modify the service content, as well as interrupt, suspend or terminate the service.

10.2 You understand and agree that in the event of a merger, division, acquisition or asset transfer of the Platform, the Platform may transfer the relevant assets under this Service to a third party; the Platform may also, after notifying you unilaterally, entrust a third party with the operation or performance of part or all of the Services and the corresponding rights and obligations under this Agreement.

10.3 You understand and agree that if, while using the Platform Services, you violate laws or regulations, this Agreement, the Platform Service Terms, social ethics, public order and good morals, and/or infringe upon the legitimate rights and interests of others, the Platform shall have the right to unilaterally suspend or terminate the provision of all or part of the Services to you without prior notice.

10.4 You understand and agree that if you commit acts that violate laws and regulations, social ethics, public order and good morals, and/or infringe upon the legitimate rights and interests of others, thereby affecting or potentially affecting the reputation, standing or other legitimate rights and interests of the Platform and/or third parties, the Platform shall have the right to unilaterally suspend or terminate the provision of all or part of the services to you without prior notice.

10.5 After the platform terminates the provision of services to you, it shall have the right to delete your personal information or conduct anonymization on it as required by applicable laws, and also have the right to continue storing other content and information you have left on our platform in accordance with the time limit and methods stipulated by laws.

10.6 Disruption, Suspension and Termination of Website and Server Operations:

10.6.1 To ensure the normal operation of the website and servers, we need to carry out regular scheduled downtime maintenance for them, or conduct emergency downtime maintenance in response to unexpected incidents; users shall understand the normal service interruption or suspension caused by the aforesaid circumstances, and we are obligated to try our best to avoid service interruptions and limit the interruption time to the shortest possible duration;

10.6.2 In the event of any of the following circumstances, we shall have the right to terminate or interrupt all or part of the services provided by the platform server, and we shall not be liable to users or third parties for any inconvenience or damage arising therefrom:

10.6.2.1 We reserve the right to suspend services for inspections, construction, hardware and software updates, etc. , but we will complete the maintenance and update work as soon as possible;

10.6.2.2 The server is compromised and cannot function properly;

10.6.2.3 Sudden failures of software and hardware devices and electronic communication devices;

10.6.2.4 Network provider line or other failures;

10.6.2.5 in emergency circumstances in accordance with the provisions of laws or for the personal safety of users and third parties;

10.6.2.6 Events caused by third parties or other force majeure.

XI. 【Privacy Policy】

11.1 We hereby commit that: we have adopted all effective and necessary measures to protect the security of your personal information, and have applied reasonable security technical measures to prevent your personal information from being accessed, used or disclosed without authorization.

11.2 For more information regarding personal information, please carefully read and understand the provisions of the iCard Club Platform Privacy Policy.

XII. [Provisions Concerning Minors]

12.1 If you are under the age of 18, you are a minor. You shall read and fully understand this agreement accompanied and guided by your guardian. When using our services, the guardian shall assume the responsibility of supervision and management. As minors have little experience in the world, they should further raise their safety awareness and strengthen self-protection.

12.2 The platform does not encourage minors to use the iCard Club platform products or services for any consumption. If a minor makes a purchase, they shall apply for the consumption in the name of their legal guardian or conduct the operation with the explicit consent of their legal guardian. A minor's use of the iCard Club platform services shall be deemed to have obtained the approval of their legal guardian.

12.3 We attach great importance to the protection of minors' personal information. You can learn about the details by viewing the iCard Club Platform Privacy Policy.

XIII. 【Disclaimer】

13.1 Force Majeure Exemption from Liability

Force majeure refers to unforeseeable, insurmountable and unavoidable objective events that exert a significant impact on one or both parties, including but not limited to natural disasters such as floods, earthquakes, plague outbreaks and storms, as well as social events such as wars, unrests and government actions. In the event of the aforesaid circumstances, we will endeavor to cooperate with relevant entities at the earliest possible time to carry out timely remediation, however, we shall be exempt from liability for the losses incurred to you therefrom to the extent permitted by law.

13.2 Service Disclaimer

You acknowledge and agree that although the products and services have undergone rigorous testing, we cannot guarantee that they are fully compatible with all hardware, software and systems. We are continuously committed to developing and improving the performance of our products and services. You may choose to uninstall the products or services, but we shall not bear any legal liability for such circumstance.

13.3 User Disclaimer You understand and agree that you shall bear all risks arising from your use of this product/service, including but not limited to the following scenarios:

13.3.1 We cannot guarantee that the Services obtained or used from official websites, sites and other legitimate channels not designated by us, or obtained from media not released by us, are free from computer viruses, disguised Trojan horse programs or hacker software. Use of such Services may lead to unpredictable risks. We recommend that you do not readily download, install or use them, and we shall not bear any legal liability arising therefrom.

13.3.2 You shall bear sole responsibility for any illegal or infringing acts you commit while using this Service, and any liabilities arising therefrom shall be borne by you personally.

13.3.3 To the fullest extent permitted by applicable law, we shall not be liable for any incidental, indirect, special, or consequential damages or claims arising out of the user's use of the Services, or in any way related to the Services (including but not limited to damages for personal injury, privacy leakage, failure to perform any obligation including good faith or reasonable care, negligence, and any other pecuniary loss or other losses).

13.4 Disclaimer for Service Suspension and Interruption You understand and agree that, to the fullest extent permitted by law, we shall not be liable for any service interruption or disruption arising from the following circumstances:

13.4.1 Damage caused by computer viruses, Trojans or other malicious programs, or hacker attacks;

13.4.2. Failure occurs to your or our computer software, systems, hardware and communication lines;

13.4.3 Improper user operation;

13.4.4 Other circumstances that are beyond our control or cannot be reasonably foreseen.

13.5 No Warranty

13.5.1 To the fullest extent permitted by applicable law, we expressly disclaim all other warranties of any kind, whether express or implied, including but not limited to any implied warranties and liabilities of merchantability, fitness for a particular purpose, reliability, accuracy, completeness and freedom from errors.

13.5.2 We make no guarantee as to the authenticity, accuracy or completeness of any information obtained from this website, including but not limited to other parties' information, content or promotional materials (hereinafter collectively referred to as "Information"). Any entity or individual that engages in any conduct on the basis of the aforementioned "Information" shall be responsible for verifying its authenticity and taking prudent precautions against risks. Otherwise, for whatever reason, we shall not be liable for any direct, indirect, incidental or consequential losses arising from any transaction and/or conduct that is not directly entered into with this website.

13.5.3 The platform provides you with community services, and you understand that the information in the community is published by users or generated by models (if any), which may involve risks and defects. The platform will establish relevant inspection and monitoring systems in accordance with the law to protect your legitimate rights and interests and good experience on iCard Club community as much as possible.Meanwhile, in view of the fact that the iCard Club community is characterized by a massive volume of information and the separation of information from physical goods in the online environment, the platform is unable to review the information of items, commodities or services on a one-by-one basis, nor can it examine the quality, safety, legality, authenticity and accuracy of the items, commodities or services involved in each transaction, for which you shall exercise prudent judgment.

13.5.4 You understand and agree that we do not warrant that the Service will necessarily meet the usage requirements and expectations of all users; nor do we warrant that the Service will be uninterrupted or free from malicious attacks; nor do we warrant that there will be no errors in the quality of the Service. We further make no warranty whatsoever regarding the timeliness, security, or error-freeness of the Service, nor regarding whether the information can be transmitted accurately, timely, and smoothly.

XIV. 【Advertisements and Links】

14.1 Our services may include commercial advertisements of third parties or promotional advertisements for other activities. Such content is provided by the advertisers or the providers of the relevant goods/services, who shall bear corresponding responsibilities therefor; we only act as a medium for publishing such content. For the services or goods purchased by users via the websites linked through the iCard Club platform, the relevant transaction shall exist solely between the user and the provider of such goods or services, and shall have nothing to do with us; we shall not bear any legal liability for the transaction conducted between the user and the provider of such goods or services.

14.2 Users may be linked to third-party sites in the course of using our services. We do not control these third-party sites, nor are we responsible for the content of any third-party site, any links contained in such third-party sites, or any changes or updates to them. We provide these links to third-party sites to users solely for the purpose of convenience, and the provision of such links does not imply our endorsement of the third-party site, nor does it constitute a guarantee by us of its authenticity, completeness, timeliness or reliability.There is no employment, appointment, agency, partnership or other similar relationship between us and these individuals, companies or organizations. Users shall check and comply with the relevant provisions of such third-party sites.

14.3 The user understands and agrees that we may send the user service or other relevant commercial information via announcements, notifications, emails, text messages or other methods.

XV. 【Dispute Resolution】

15.1 You agree that any litigation related to this Agreement shall be resolved in accordance with the laws of the Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong"), excluding conflict of laws rules, and shall not be governed by the provisions of the 1980 United Nations Convention on Contracts for the International Sale of Goods. Any laws or regulations that provide for the interpretation of contract language in favor of the drafter of the contract shall not apply to this Agreement.

15.2 Any dispute arising out of this Agreement or any related services shall be submitted to and finally resolved by arbitration administered by the Hong Kong International Arbitration Centre (“HKIAC”) in accordance with the HKIAC Administered Arbitration Rules in effect at the time of the submission of the dispute to arbitration.

15.3 Arbitration shall be conducted in Hong Kong in accordance with the laws of Hong Kong, and the language of the arbitral proceedings shall be English. The number of arbitrators shall be three (3), and each party shall appoint one arbitrator within thirty (30) days after the notice of arbitration is served. The appointment of such arbitrators shall be confirmed by the International Arbitration Centre, and the two arbitrators so appointed shall agree on a third arbitrator within ten (10) days following such confirmation by the International Arbitration Centre.If any party fails to appoint an arbitrator, or if the two arbitrators fail to reach an agreement on the third arbitrator within ten (10) days, such arbitrator shall be appointed by the Secretary-General of the International Arbitration Center. The arbitrator shall only award such damages as are eligible for adjudication under this Agreement.

15.4 Each party shall bear and pay its own fees and expenses (including legal fees) incurred in connection with any such arbitration; provided, however, that the fees and expenses of the arbitrator (s) shall be borne equally by the parties hereto.

15.5 Notwithstanding any provision to the contrary in this Agreement, either party may at any time apply to a court of competent jurisdiction for an Injunction or any other legal or equitable relief. The parties hereby expressly agree to apply sections 5,6 and 7 of Schedule 2 to the Arbitration Ordinance (Cap. 609 of the Laws of Hong Kong).

15.6 You agree that any dispute between you and the iCard Club platform that does not fall within the scope of arbitration may only be brought by you individually as a sole party to the action. You shall not participate in any class action or representative litigation as a plaintiff or class member to assert claims.

15.7 If for any reason a dispute can only be resolved through court proceedings rather than arbitration, you and the iCard Club platform agree to waive a jury trial, and you and the iCard Club platform unconditionally waive any right, procedure or counterclaim related to a jury trial arising from these terms or the use of the application. 15.8 The exclusive court of jurisdiction for all disputes between you and the iCard Club platform that cannot be submitted to arbitration shall be the courts of the Hong Kong Special Administrative Region.Both you and the iCard Club platform waive any objection to such courts serving as the venue for dispute resolution.

XVI. [Other Agreements]

16.1 This Agreement shall take effect as of the date on which the User completes account registration. Even if the User fails to complete account registration, but obtains and uses the services provided by us through any other means, this Agreement shall be deemed to have been concluded and take effect as of the date on which such User obtains and uses the services.

16.2 We reserve the right to amend or modify the terms of this agreement in accordance with the development of the Internet, changes in relevant laws, regulations and normative documents, or due to business development needs. We will publish the amended or modified agreement on our official website, and such publication shall be deemed as notice of the amended or modified contents to you. If you continue to use our services, you shall be deemed to have accepted the amendment or modification to this agreement.

16.3 The original version of this Agreement is in English; all translations provided are for reference only. You waive any right you may have under the laws of your country or jurisdiction to have this Agreement drafted or interpreted in any other language.