Terms and Conditions of Use of this Website



These Terms and Conditions constitute legally binding agreement between the Company and the User for the use of this Website. The User acknowledges and agrees that these Terms and Conditions govern the User’s access to, and use of, this Website and/or the Service available through this Website. In accessing or using this Website or using the Service, the User acknowledges that the User has read and understood, accepts and agrees to be bound by, these Terms and Conditions.




  1.          In these terms and conditions, unless the context otherwise requires:



means the agreement entered into between the Company and the User for the use of this Website;



means any person who visits, accesses or otherwise establishes a connection to this Website;


“Harmful Code”

means any computer virus, trojan, worm or other computer code that, directly or indirectly, is harmful or disabling or which assists in or enables unauthorized access to or corruption of data;



mean any content made available by the Company via this Website (including but not limited to information, data, documents, images, photographs, graphics, audio, videos or etc)



means the Company and the User;



means Honor Consultants Planning Limited;



means the supply of services provided to the User by the Company through this Website, including but not limited to connecting, bridging or matching between financial institutes and the User in Hong Kong;


“Terms and Conditions”

means these terms and conditions for use of this Website; and



means this website www.drloan.hk operated by the Company.


  1.     除本文中另外規定,在本使用條款中:


指所有在本網站由Dr Loan顯示的內容、圖像、圖片或相片、品牌、商標、貨品或服務、視頻、音頻、文字、材料或統計.






“Dr Loan”:

指海納顧問策劃有限公司以“貸款博士 (Dr Loan)”;



指Dr Loan及使用者;



指在本網站由Dr Loan提供的貸款或樓按轉介或配對服務或服務申請;






指由Dr Loan擁有及營運的網站www.drloan.hk。


  1.          This Website is owned and operated by the Company. No reproduction, republication, upload, copy, transmit, distribution, display or otherwise use of any Materials on this Website is allowed or permitted without prior written consent from the Company.


  1.          本網站由Dr. Loan擁有及營運。

User’s Acknowledgement

  1.          The User acknowledges that despite all reasonable precautions on the Company’s part, there is a risk of unauthorized access to, or alteration of, the User’s transmissions of data or of information contained on the User’s computer system or on this Website. To the maximum extent permitted by law, the Company accepts no liability for any loss and damage which the User may suffer or incur as a result of such activity.


  1.     本網站可為使用者提供貸款或樓按轉介或配對服務。使用者需向本公司提供準確及完整的個人資料,包括姓名、電話號碼、地址及電郵地址,否則不能使用本網站的設施。本公司會根據本網站的私隱政策收集個人資料。
  2.     This Website may contain links and pointers to other World Wide Web sites, resources, and advertisers of this Website. Links to and from this Website to other sites, maintained by third parties, do not constitute an endorsement by The Company or any affiliate of any third party site or content. The Company is not responsible for the availability of these third party resources, or their contents. The Company has not reviewed any or all of the sites linked to this Website and is not responsible for the content of any off-Site pages or any other sites linked to this Website.


  1.          所有本網站的內容及其他材料的知識產權都是由Dr. Loan 擁有,Dr. Loan是其唯一擁有人。除非得到Dr. Loan的事先書面同意,否則使用者不能以任何形式(a)複製或採用本網站的任何內容或材料、或把本網站的任何內容或材料提供給公眾或製造衍生作品,(b) 把本網站的任何內容或材料作商業用途。任何未經授權的使用可構成違反本使用條款。

No Interference and No Public Statement

  1.          The User must not interfere with or disrupt (or attempt to interfere with or disrupt) any servers or networks connected to this Website.
  2.          The User must not release to the public any news release, advertising material, promotional material or any other form of publicity relating to the Company without its prior written consent.


  1. Dr. Loan沒有就本網站內容(包括但不限於任何第三者的資料)的準確、完整、可靠、最新或是否適合使用者有可能的使用作出任何保證或表示。使用者須自己承擔使用本網站任何資訊的責任及風險。使用者須就本網站內容是否準確、完整、可靠、最新或是否適合其使用作出查驗。本網站的所有內容都屬一般性質,並不涉及任何專業意見。本網站有可能含有其他人的意見或評論,它們不一定屬Dr. Loan的意見。

Intellectual Property

  1.          All intellectual property rights in the Materials and this Website are owned by the Company.  The Intellectual Property is the exclusive property of the Company, save and except those otherwise mentioned in paragraph 8 below.  The User may not, in any form or by any means: (a) copy, adopt, reproduce, store, distribute, print, display, perform, publish, modify, transmit, communicate to the public, make available to public or create derivative works of the whole or any part of the Materials; or (b) commercialize the whole or any part of the Materials, without the Company’s prior written consent.
  2.          Materials procured from a third party may be subject to copyright owned by that third party. The User may not use any such Materials without prior consent from their respective owner.  All names, logos, trademarks and brands appeared in any products available for sale in this Website are property of their respective owners. All company, product and service names used in this Website are for identification purposes only. Use or display of these names, logos, and brands does not imply endorsement.


  1.     Dr. Loan沒有就本網站或本網站的內容或服務作出任何表示或保證。本網站或其內容均以「現況」形式提供,並無任何種類的明示或暗示的保證。在法律最大程度的容許下,Dr. Loan不會及拒絕就商售性、是否適合某特定用途、並無侵權、所有權、習慣、商業用途、不受干擾地享用、系統整合或不含電腦病害等作出任何明示或暗示的保證。Dr. Loan不保證本網站及其服務不受干擾、無錯誤、無缺憾、無有害程式等。使用者須就使用本網站自已承認風險。
  2.          在任何情況,Dr. Loan不須因 (i) 服務、(ii)由本公司所轉介或配對的財務機構向使用者提供的任何服務或貸款、(iiI)內容、(iv)本網站、網絡故障、互聯網故障、軟件及硬件故障、病毒、有害程式及其他系統攻擊、毀壞、未經授權進入或使用本網站或系統、(v)任何侵犯第三者知識產權的行為或(vi)使用者的電腦、移動裝置、或其他設備或技術的損壞等的損失或損壞,作出任何形式的賠償,包括但不限於直接,間接,經濟性、懲罰性、特殊的損害、附帶性、相應而生的損失的賠償。不論 (i)責任或賠償是因違反合約、侵權行為、疏忽或其他因由而起、及/或 (ii)本公司已被告知可能發生上述損失或損害,本使用條款的責任限制都適用於Dr. Loan。


Representations, Warranties and Disclaimers

  1.          The Company does not represent or warrant that this Website or the Service will be uninterrupted or error-free or defect-free.
  2.       The Company does not represent or warrant to the User that any electronic files available through this Website or the Service will be free of Harmful Code.
  3.       The Company does not warrant or represent the accuracy, completeness, reliability, update or suitability for the User’s intended use of any Materials on this Website. The User are responsible for the use of any information obtained from this Website. The User should make his own enquiries to check if the information on this Website is accurate, complete, reliable, updated and suitable for the User’s intended use. All information in the Materials is of a general nature only and is not intended to constitute professional advice. This Website may contain information that includes the views or recommendations of others that are not necessarily the Company views.
  4.       To the extent permitted by applicable law, this Website and all Materials therein are provided on an “as is” basis without warranties of any kind, either express or implied, including but not limited to warranties of title or non-infringement or implied warranties of merchantability or fitness for particular purpose. The Company makes no representations or warranties or endorsements of any kind whatsoever, express and implied, as to (i) the Service or (ii) Materials. The Company specifically disclaims all warranties and liabilities with respect to loss, loss of use or corruption of any User’s content. The User uses this Website at his own risk.
  5.       The User warrants that the User will not use this Website and/or the Service for unlawful purposes and ensure that the User’s access to, or use of, this Website and the Service is not illegal or prohibited by law.


Limitation of Liability

  1.       In no event shall the Company be liable for any loss and/or damages (including loss of profits or indirect, consequential, incidental, special, exemplary or punitive loss or damage), howsoever caused (including through the Company’s negligence), suffered or incurred by the User arising from or in connection with: (a) the User’s access to, or use of, the Service, this Website, any Materials, or any linked Website; (b) any decision or action taken by the User in reliance on any Materials, content or information; (c) any error or defect in this Website or the Service.


  1.     如因閣下涉及(i)  違反本使用條款、(ii)侵犯任何第三者的權利 或 (iii) 違反任何法規、規則、規例、守則、政府發出的命令或準政府機構發出的命令等而引起或導致的申索、責任、賠償及費用(包括和解金費用及合理的法律費用),使用者同意向本公司作出補償,為其辯護並使其免受任何損失及費用的損害。


  1.       The Company may terminate this Agreement, any User account created by the User on this Website and the User access to this Website at any time and for any reason whatsoever. The Company will have the right to immediately terminate this Agreement, any user account created by the User on this Website and the User’s access to all or part of this Website if the User breaches any provision of these Terms and Conditions. Termination of this Agreement will not end those provisions that are capable of surviving the ending of this Agreement.
  2.       The Company reserves its right to suspend or terminate any access to or use of this Website by any User at any time at its discretion and without notice.


  1.     使用者可自由到訪或使用本網站。但若使用者違反本使用條款,Dr. Loan有權暫停或終止任何使用者到訪或使用本網站。
  2.    Dr. Loan保留其權利及有絕對酌情權於任何時間暫停或終止任何人到訪或使用本網站,而不需作出任何通知。
  3.       Dr. Loan可在任何時間更改、暫停或停止本綱站的任何功能,包括但不限於本網站任何的功能、數據庫或內容。Dr. Loan可以及有絕對酌情權在任何時間在本網站的任何功能及服務上設置限制,或限制任何使用者到訪訪或使用本網站或其任何部份,而不需承擔任何責任或作出任何通知。


  1.       These Terms and Conditions constitute the entire agreement between the Parties as to the subject matter of the Agreement and supersedes and cancels in all respects all previous correspondence, understandings and agreements between the Parties with respect to the subject matter hereof, whether such be written or oral.
  2.       In the event that any term condition or provision of these Terms and Conditions is held to be a violation of any applicable law statute or regulation the same shall be deemed to be deleted from these Terms and Conditions and shall be of no force and effect and these Terms and Conditions shall remain in full force and effect as if such term condition or provision had not originally been contained these Terms and Conditions.  Notwithstanding the foregoing in the event of any such deletion the Parties shall negotiate in good the faith in order to agree the terms of a mutually acceptable and satisfactory alternative provision in place of the provision so deleted.
  3.       These Terms and Conditions is governed by and shall be construed in all respects in accordance with the laws of the Hong Kong and all the Parties hereto hereby submit to the exclusive jurisdiction of the Hong Kong courts in connection with any matters arising hereunder.


  1.   本使用條款並不會為雙方締結任何代理、合夥人或合資關係。


  1.   本使用條款包含了雙方所有同意條款,在本使用條款以外雙方的書面或口頭意向書、書信往來、理解及協議一律取消,並被本使用條款取代。
  2.   任何一方未行使或延遲行使任何要求對方履行及遵守本使用條款的權利,不構成對前者的權利造成任何影響或被視為放棄該權利、亦不被視作前者放棄向對方追討違反本使用條款的權利。
  3.       若本使用條款中的任何條款被認為違反任何適用的法律或規例,該條款須被視任從本使用條款中刪除、沒有任何效力及由始至終並不存在,亦不會影響本使用條款中的其餘條款的有效性。
  4.       在本使用條款內,所有屬單數詞包含複數詞的意思及反之亦然; 而單性詞語亦包含所有性別的意思。
  5.       在本使用條款中,標題只為方便之故而不會對本使用條款的解釋造成任何影響。
  6.       除非另有規定,所有通知須是書面形式及以電郵方式發予對方電郵地址。若收到對方的自動電子回覆,通知會被視作被對方收妥。
  7.       本使用條款在所有方面受中華人民共和國香港特別行政區法律管轄。由本使用條款有關的一切糾紛或爭議,雙方同意提交香港特別行政區法院處理。


  1.       The Company reserves the right to amend or modify these Terms and Conditions from time to time. Any changes will be reflected by an update of these Terms and Conditions. The User and any visitor to this Website shall review these Terms and Conditions from time to time.


  1.   本使用條款可不時任出修改,並不時作出更新。使用者須不時查看本使用條款的內容。

Effective Date

  1.       These Terms and Conditions is effective from 1st May 2016.


  1.       本使用條款由2016年5月1日起生效。


Should there be any differences or inconsistencies between the Chinese version and English version of this Agreement, the English version shall prevail.