These Terms of Use (“Terms”) form a legal agreement between you and MaxSwipe 碌邊張 (Hong Kong) (the “App Operator”, “we”, “us”, or “our”) governing your use of the MaxSwipe 碌邊張 mobile application and any related web version (the “App”).
By downloading, accessing, or using the App, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, you must not use the App.
The App is intended for users who are at least 18 years of age and resident in Hong Kong. By using the App, you represent that you meet these requirements.
3.1 The App helps you compare credit-card rewards and estimate which card may give the best return for a given type of spending, based on card data and reward rules that we compile and the preferences you enter.
3.2 The App does not process payments, does not connect to your bank or card accounts, and does not require you to enter card numbers or banking credentials. It is an informational calculator only.
4.1 All content in the App — including reward rates, cashback and mile values, category bonuses, promotions, sign-up offers, and rankings — is provided for general reference and illustrative purposes only.
4.2 Nothing in the App constitutes financial, investment, tax, or other professional advice, or a recommendation, solicitation, or offer to apply for, or to use, any credit card or financial product. You are solely responsible for your own financial decisions, and you should seek independent professional advice where appropriate.
5.1 Reward rules, rates, caps, minimum-spend requirements, eligible merchants, registration conditions, and promotions change frequently and may differ from what is shown in the App. The card data is compiled from publicly available sources and is indicative only, last reviewed as at the date shown in the App.
5.2 We do not warrant that any information in the App is accurate, complete, current, or error-free. Before acting on any figure or recommendation, you must verify the actual terms with the relevant bank or card issuer through its official channels.
5.3 We may modify, suspend, or discontinue any part of the App at any time without notice.
6.1 We are an independent provider. The App is not affiliated with, endorsed by, sponsored by, or otherwise connected to any bank, card issuer, payment network, or merchant. If we receive a referral fee under Section 7.2, that does not make us an agent, partner, or representative of the relevant institution.
6.2 All bank names, card names, logos, and other trademarks belong to their respective owners and are referred to in the App for identification and descriptive purposes only. Bank badges and card artwork shown in the App are stylised, brand-coloured placeholders and are not the official logos or card images of any institution.
7.1 The App contains links to third-party websites and services (such as banks’ application pages). We do not control and are not responsible for the content, products, services, or practices of any third party. Your dealings with any third party are solely between you and that third party.
7.2 Referral links. Some links in the App may now or in the future be referral or affiliate links, meaning we may receive a referral fee or commission from the relevant bank, card issuer, or an affiliate network if you apply for or obtain a product through such a link. Any such arrangement does not affect the App’s calculations or rankings, which are determined solely by the compiled reward rules and the preferences you enter, and it does not change the price or terms offered to you by the institution.
8.1 The App, its design, text, graphics, the compiled card database, and all related materials (excluding third-party trademarks) are owned by or licensed to the App Operator and are protected by applicable intellectual-property laws.
8.2 We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the App for your own personal, non-commercial purposes, subject to these Terms.
You agree not to: (a) copy, scrape, extract, or redistribute the App’s data or content for commercial purposes; (b) reverse-engineer, decompile, or attempt to derive the source code of the App except to the extent permitted by law; (c) interfere with or disrupt the App; or (d) use the App for any unlawful purpose or in breach of these Terms.
Your profile and preferences are stored locally on your device, as described in our Privacy Policy. You are responsible for your device and for any loss of locally stored data (for example, if you uninstall the App or clear its storage).
To the maximum extent permitted by law, the App is provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.
12.1 To the maximum extent permitted by law, the App Operator shall not be liable for any indirect, incidental, special, consequential, or punitive loss, or for any loss of profit, savings, rewards, miles, or opportunity, arising out of or in connection with your use of, or inability to use, the App or any reliance on its content.
12.2 Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under the laws of Hong Kong (for example, liability for death or personal injury caused by negligence, or for fraud).
You agree to indemnify and hold harmless the App Operator from any claims, losses, liabilities, and expenses arising out of your misuse of the App or your breach of these Terms.
We may update these Terms from time to time. The “Last updated” date above indicates the latest revision. Your continued use of the App after any change constitutes acceptance of the revised Terms.
We may suspend or terminate your access to the App at any time if you breach these Terms. You may stop using the App and uninstall it at any time.
16.1 If you download the App from the Apple App Store or Google Play, you acknowledge that these Terms are concluded between you and the App Operator only, and not with Apple Inc. (“Apple”) or Google LLC (“Google”), and that the App Operator — not Apple or Google — is solely responsible for the App and its content.
16.2 For downloads from the Apple App Store: (a) your licence to use the App is limited to use on Apple-branded devices that you own or control, as permitted by the usage rules in the Apple Media Services Terms and Conditions; (b) Apple has no obligation to furnish any maintenance or support services for the App; (c) as the App is provided free of charge, no purchase price is refundable by Apple in the event of any failure of the App to conform to an applicable warranty, and to the maximum extent permitted by law Apple has no other warranty obligation with respect to the App; (d) Apple is not responsible for addressing any claim by you or any third party relating to the App, including product-liability claims, claims that the App fails to conform to legal or regulatory requirements, claims under consumer-protection or similar legislation, and third-party claims that the App infringes intellectual-property rights; and (e) you represent that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
16.3 Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance of these Terms, will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
17.1 If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. These Terms, together with the Privacy Policy, constitute the entire agreement between you and the App Operator regarding the App.
17.2 We may assign or transfer our rights and obligations under these Terms to any successor operator of the App; you may not assign or transfer your rights or obligations under these Terms.
17.3 No failure or delay by us in exercising any right under these Terms shall operate as a waiver of that right.
17.4 Save as expressly provided in Section 16 in respect of Apple and its subsidiaries, a person who is not a party to these Terms shall have no right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623) to enforce any provision of these Terms.
17.5 These Terms are published in English and Traditional Chinese. If there is any inconsistency between the two versions, the English version shall prevail.
These Terms are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region, and you submit to the exclusive jurisdiction of the Hong Kong courts.
Questions about these Terms may be sent to info@maxswipe.cc.
本使用條款（下稱「本條款」）構成你與 MaxSwipe 碌邊張（香港）（下稱「應用程式營運者」、「我們」或「本方」）之間的法律協議，規管你對 MaxSwipe 碌邊張 流動應用程式及任何相關網頁版本（下稱「本應用程式」）的使用。
當你下載、存取或使用本應用程式，即表示你同意受本條款及我們的《私隱政策》約束。如你不同意，則不得使用本應用程式。
本應用程式供年滿 18 歲並居於香港的使用者使用。使用本應用程式，即表示你聲明你符合上述條件。
3.1 本應用程式根據我們整理的信用卡資料及獎賞規則，以及你所輸入的偏好，協助你比較信用卡獎賞，並估算就某類消費而言哪張卡可能帶來最佳回報。
3.2 本應用程式不會處理付款、不會連接你的銀行或信用卡帳戶，亦不要求你輸入信用卡號碼或銀行登入憑證。它僅屬資訊性計算工具。
4.1 本應用程式內的所有內容——包括獎賞率、現金回贈及里數價值、類別額外獎賞、優惠、迎新獎賞及排名——僅供一般參考及說明用途。
4.2 本應用程式內的任何內容均不構成財務、投資、稅務或其他專業意見，亦不構成任何申請或使用任何信用卡或金融產品的推薦、招攬或要約。你須就自己的財務決定全權負責，並應在適當情況下尋求獨立專業意見。
5.1 獎賞規則、回贈率、上限、最低消費要求、合資格商戶、登記條件及優惠經常變動，並可能與本應用程式所顯示者有別。卡類資料乃整理自公開來源，僅屬指示性質，並以本應用程式所示日期為最後檢視日期。
5.2 我們不保證本應用程式內任何資料屬準確、完整、最新或無誤。在依據任何數字或推薦行事之前，你必須透過有關銀行或發卡機構的官方渠道核實實際條款。
5.3 我們可隨時修改、暫停或終止本應用程式的任何部分，恕不另行通知。
6.1 我們是獨立的服務提供者。本應用程式並不與任何銀行、發卡機構、支付網絡或商戶有關聯，亦未獲其認可、贊助或以其他方式與其相關。倘我們根據第 7.2 條收取轉介費用，亦不會使我們成為有關機構的代理人、合夥人或代表。
6.2 所有銀行名稱、信用卡名稱、標誌及其他商標均屬其各自擁有人所有，於本應用程式中提及僅作識別及描述用途。本應用程式所顯示的銀行徽章及信用卡圖像，均為風格化、以品牌顏色製作的佔位圖，並非任何機構的官方標誌或信用卡圖像。
7.1 本應用程式載有指向第三方網站及服務的連結（例如銀行的申請頁面）。我們不控制亦不對任何第三方的內容、產品、服務或慣例負責。你與任何第三方的往來，純屬你與該第三方之間的事宜。
7.2 轉介連結。本應用程式內的部分連結，現時或日後可能屬轉介或聯盟（affiliate）連結，即如你透過該等連結申請或取得產品，我們或會向有關銀行、發卡機構或聯盟網絡收取轉介費用或佣金。任何此類安排均不會影響本應用程式的計算或排名（該等計算及排名純粹按整理所得的獎賞規則及你輸入的偏好而定），亦不會改變有關機構向你提供的價格或條款。
8.1 本應用程式及其設計、文字、圖像、整理而成的卡類資料庫及所有相關材料（第三方商標除外），均由應用程式營運者擁有或獲授權使用，並受適用知識產權法律保護。
8.2 在符合本條款的前提下，我們授予你有限、個人、非專屬、不可轉讓及可撤銷的授權，供你為自己的個人非商業用途使用本應用程式。
你同意不會：(a) 為商業用途複製、抓取、擷取或再分發本應用程式的資料或內容；(b) 對本應用程式進行逆向工程、反編譯或試圖取得其源代碼（法律允許的範圍除外）；(c) 干擾或破壞本應用程式；或 (d) 將本應用程式用於任何違法用途或違反本條款的用途。
如我們的《私隱政策》所述，你的個人檔案及偏好設定儲存於你的裝置本機。你須就你的裝置及任何本機儲存資料的遺失（例如你解除安裝本應用程式或清除其儲存空間）負責。
在法律允許的最大範圍內，本應用程式以「現狀」及「現有」基礎提供，不附帶任何明示或默示的保證，包括任何關於適銷性、特定用途適用性、準確性或不侵權的默示保證。
12.1 在法律允許的最大範圍內，應用程式營運者均毋須就因你使用或無法使用本應用程式，或因依賴其內容而引起或與之相關的任何間接、附帶、特殊、相應或懲罰性損失，或任何利潤、儲蓄、獎賞、里數或機會的損失負責。
12.2 本條款中的任何內容，概不排除或限制根據香港法律不可排除或限制的任何法律責任（例如因疏忽導致的死亡或人身傷害的責任，或欺詐的責任）。
你同意就因你誤用本應用程式或違反本條款而引起的任何申索、損失、法律責任及開支，向應用程式營運者作出彌償並使其免受損害。
我們可能會不時更新本條款。上方的「最後更新」日期顯示最近一次的修訂。你在任何變更後繼續使用本應用程式，即構成接納經修訂的條款。
如你違反本條款，我們可隨時暫停或終止你對本應用程式的存取。你亦可隨時停止使用並解除安裝本應用程式。
16.1 如你從 Apple App Store 或 Google Play 下載本應用程式，你確認本條款僅由你與應用程式營運者訂立，而非與 Apple Inc.（下稱「Apple」）或 Google LLC（下稱「Google」）訂立；本應用程式及其內容概由應用程式營運者（而非 Apple 或 Google）全權負責。
16.2 就從 Apple App Store 下載而言：(a) 你使用本應用程式的授權，僅限於在你擁有或控制的 Apple 品牌裝置上，按《Apple 媒體服務條款及細則》所載的使用規則使用；(b) Apple 並無任何義務就本應用程式提供任何維護或支援服務；(c) 由於本應用程式免費提供，如本應用程式未能符合任何適用保證，Apple 亦無購買價格可予退還，且在法律允許的最大範圍內，Apple 就本應用程式並無任何其他保證義務；(d) Apple 毋須處理你或任何第三方就本應用程式提出的任何申索，包括產品責任申索、本應用程式未能符合法律或監管要求的申索、消費者保障或類似法例下的申索，以及本應用程式侵犯知識產權的第三方申索；及 (e) 你聲明你並非身處受美國政府禁運或被美國政府指定為「支持恐怖主義」的國家，亦未被列入任何美國政府的禁制或受限制人士名單。
16.3 Apple 及其附屬公司為本條款的第三方受益人；你接納本條款後，Apple 將有權（並被視為已接納該權利）以第三方受益人身分向你強制執行本條款。
17.1 倘本條款任何條文被裁定為無效或不可執行，其餘條文仍具完全效力。本條款連同《私隱政策》，構成你與應用程式營運者就本應用程式所訂立的完整協議。
17.2 我們可將本條款下的權利及義務轉讓或移轉予本應用程式的任何繼任營運者；你不得轉讓或移轉你在本條款下的權利或義務。
17.3 我們未有或延遲行使本條款下的任何權利，不構成放棄該權利。
17.4 除第 16 條就 Apple 及其附屬公司明文規定者外，並非本條款一方的人士，概無權根據《合約（第三者權利）條例》（第 623 章）強制執行本條款的任何條文。
17.5 本條款以英文及繁體中文發佈。如兩個版本之間有任何歧異，概以英文版本為準。
本條款受香港特別行政區法律管轄並據其詮釋，你並服從香港法院的專屬司法管轄權。
有關本條款的查詢，可電郵至 info@maxswipe.cc。