Website Terms and Conditions

By using our website, you agree to these terms and conditions. You must read these terms and conditions together with our Personal Information Collection Statement, Privacy Notice, Cookie Policy and the applicable product terms and conditions (including, but not limited to the applicable coin Terms and Conditions and Risk Factors) (each of which can be found on this website) and any other terms that we may provide to you.

1. Who are we?

(a) We are Anchorpoint Financial Limited, a licensed issuer of stablecoins (licence no: FRS01) incorporated in Hong Kong, authorized under the Stablecoin Ordinance (Cap. 656) and supervised by the Hong Kong Monetary Authority.

(b) We are part of the Standard Chartered Group (being each of, or collectively, Standard Chartered PLC and its subsidiaries and affiliates (including each branch or representative office)).

(c) We own and operate www.anchorpoint.hk (our “website”).

(d) On our website you’ll find information on us, the products and services we offer and links to other places. The information you will find on our website is for your general viewing only, we recommend that you obtain professional advice as appropriate.

2. Our website maintained from Hong Kong

(a) We maintain our website from Hong Kong and the materials and information contained in this section of the website are primarily directed at people and entities in Hong Kong.

(b) The materials contained on our website may not be appropriate (or even available) for you to use outside Hong Kong. The materials may be restricted by laws in locations outside Hong Kong – you must find out about and observe those restrictions. Our website is not intended for distribution to or use by anyone in any jurisdiction where distribution or use breaches any law.

3. Our products and services

(a) The material on our website does not constitute any offer, recommendation, advice or solicitation to you to enter into any transaction or to purchase, sell, redeem, transfer or accept any of our products or services (including, but not limited to, any purchase, sale or redemption of stablecoins issued by us).

(b) We can decide who will receive our products and services. Our products and services have their own specific terms and conditions (and fees and charges) which will apply to you in addition to these terms and conditions if you choose to use any such products or services we offer to you.

(c) Our website is provided for general information purposes only and does not enable you to carry out any transactions with us. You cannot use our website to subscribe for, acquire, redeem, transfer or otherwise deal in any of our products or services (including, but not limited to, any stablecoins issued by us). Any such activities are governed by separate terms and conditions (including, but not limited to, the applicable product terms and conditions) and must be carried out through the authorised platforms or channels we specify.

4. Hyperlinks

(a) Our website may contain hyperlinks to third party websites or mobile applications.

(b) We do not maintain or control any third-party website or mobile application hyperlinked on our website and are not responsible for them – the hyperlinks appear for information purposes and are for your convenience only.

(c) Your access to and use of any third-party website or mobile application is at your own risk and subject to the terms of that third party website or mobile application.

(d) We are not a party to any contractual arrangements entered into between you and a third party unless we expressly specify or agree otherwise.

5. Third party contributions

(a) Our website may contain materials and other contributions from third parties (including authorised distributors, partners, organisations and individuals who may or may not have a contractual relationship with us).

(b) The display of any materials and other contributions from a third party on our website do not:

(i) constitute an endorsement by us of such materials and contributions (including any opinions expressed by the third party) – any opinions expressed by the third party are those of such third party and do not necessarily reflect our opinions; or
(ii) assert or imply our endorsement, recommendation, favouring, investigation, verification or monitoring of the third party or their products or services.
(c) All offers, products, services, presentations, classes, events or other related activities provided by a third party are subject to the Disclaimer.

(d) No materials, contributions or other content on our website is intended as, or should be interpreted as being, a recommendation, advice or solicitation by us or any third party to purchase, sell, redeem or transfer any product or service.

6. We may send you emails

(a) Emails sent to or from us may not be secure. We aren’t responsible for any damage that may occur from emails you send to us, or emails we send to you following your request.

(b) You are responsible for ensuring that you access our products and services only through our official channels. We may publish information about our official websites, domains, applications and communication channels from time to time. You should verify that you are interacting with us through those official channels before taking any action. We will never ask you to provide sensitive security credentials (including, but not limited to, private keys, passwords or authentication codes) through our website or by unsolicited communications.

(c) You should not rely on any communication that appears to be from us but is not sent through our official channels. We are not responsible for any loss arising from unauthorised or fraudulent communications.

7. Downloads and usage

(a) We don’t guarantee that our website will always be available, that it will meet your requirements or that it will not cause damage to your computer system (for example, by a computer virus or other contaminating or destructive properties).

(b) You are responsible for protecting and backing up data and your computer system. We recommend that you scan for computer viruses and other destructive properties.

(c) We are not responsible for the accuracy or performance of any third-party software that may be used in connection with our website.

(d) You must not use our website:

(i) in any way that is unlawful or in breach of any applicable law or regulation;
(ii) to introduce or transmit any virus, malware or other harmful material;
(iii) to interfere with, disrupt or gain unauthorised access to any part of our website or any systems, channels or networks connected to it;
(iv) to collect or extract data from our website (including by scraping or automated means) except as permitted by applicable law; or
(v) in any manner that may damage, disable or impair the availability or security of our website.

8. Disclaimer

(a) To the maximum extent permitted by applicable law, information and materials provided on our website are provided “as is” without any warranty. For example, we don’t provide any warranties as to non-infringement, security, accuracy, fitness for a purpose or freedom from computer viruses.

(b) To the maximum extent permitted by applicable law, we are not liable for any loss or damage arising from your use of our website. This includes any loss, damage or expense arising from any defect, error, fault, mistake or inaccuracy with our website, its contents (including contents from third parties), or due to any unavailability of our website or any of its contents. Nothing in these terms excludes or limits any liability that cannot be excluded or limited under applicable law.

9. Personal data

We will handle your personal data collected from our website in accordance with our Personal Information Collection Statement and our Privacy Notice (each of which can be found on our website). These documents may be amended or replaced from time to time, so we recommend that you check for any updates. If we use your personal data for direct marketing or provide it to another person for direct marketing, we will do so only in accordance with applicable law.

10. Indemnity

You agree to indemnify and keep us indemnified against any action, liability, cost, claim, loss, damage, proceeding or expense (including legal fees, costs and expenses on a full indemnity basis) suffered or incurred by us arising from or relating to:

(a) your unlawful use or misuse of our website;
(b) any breach or non-observance of any of these terms by you; and
(c) any information or materials that you submit to us through our website that infringe the rights of any third party or breach applicable law

11. We own all intellectual property

(a) We are the owner or the licensee of all intellectual property rights in all elements of our website and in all content, information, services and software provided on or through our website (the “Content”). All trademarks, service marks and trade names relating to ‘ANCHORPOINT’, our Chinese trademark ‘碇點’ and company name ‘碇點金融科技有限公司’, our logo(s) coin(s) and token(s) and any other applicable Anchorpoint branding are owned by us. All other trademarks, service marks and trade names as seen on our website or in the Content are either owned by us or used by us under licence. The Anchorpoint-related trademarks, service marks and trade names owned by us, and the other trademarks, service marks and trade names owned by us or used by us under licence, are collectively termed the “Marks”. You agree not to appropriate, copy, display, reverse engineer or use the Marks or Content without express prior written permission from us or, as the case may be, our licensors.

(b) Unless otherwise indicated, copyrights and all associated rights in the Marks or the Content on our website (“Copyrights”) are either owned by us or used by us under licence. You agree not to appropriate, copy, display or use such materials without express prior written permission from us or, as the case may be, our licensors.

(c) Any licence granted by us to you in respect of any Marks, Copyrights or other intellectual property is granted on a revocable, non-exclusive, non-sub-licensable and non-transferable basis. Such licenses are granted to you for the sole purpose of enabling you to transact with us or utilise our website and are subject to such additional licence terms as may from time to time be notified to you by us. Except as expressly provided in these terms, nothing contained herein shall be construed as conferring on you any license or right, to intellectual property rights in the Content or our website.

(d) You must not register, record or otherwise control any domains, social media handles or profiles, Marks or other trademark or service mark registrations, trade names, taglines, logos, designs, get-up or other intellectual property rights featuring any intellectual property owned by us or our licensors, whether directly or through a third party (the “Prohibited Assets”). Any Prohibited Assets you own or control shall, upon our request, be transferred and assigned to us or our licensors and you shall execute all documents and do all acts reasonably required to effect such transfer and assignment.

(e) Our website, the Content and the Marks may be protected by copyright, trademark, trade secret and other intellectual property and proprietary rights under applicable laws in various jurisdictions. All rights not expressly granted to you in these terms are reserved by us or, as the case may be, our licensors. You shall not, without express prior written permission from us or, as the case may be, our licensors:

(i) license, sublicense, rent, sell, resell, transfer, assign, distribute, commercially exploit or make available to any person all or any part of such rights in any way;
(ii) copy, modify, republish, distribute or make derivative works based upon all or any part of the Content, our website or the Marks;
(iii) “frame” or “mirror” all or any part of the Content, or our website on any other server or wireless or internet-based device; or
(iv) reverse engineer or access all or any part of the Content or our website or attempt to extract their source code in order to:

(A) build a competitive product or service;
(B) build a product or service using similar ideas, features, functions or graphics of all or any part of the Content or our website; or
(C) copy any ideas, features, functions or graphics of all or any part of the Content, or our website.

Nothing in these terms shall prevent the temporary storage, display or reproduction of website content to the extent reasonably necessary for normal browsing and use of our website.

(f) You grant us a non-exclusive, worldwide, royalty-free licence to use, reproduce, store, process and transmit any information or material submitted by you through our website solely to the extent necessary to provide, operate, maintain and improve the website and our services, comply with applicable law, and exercise our rights under these terms.

(g) We are not under any obligation of confidentiality to you regarding any such information or materials submitted to us while using our website, unless required by law. This provision does not affect any obligations imposed on us under applicable law, regulation, our Privacy Notice or any separate confidentiality obligation expressly agreed between you and us.

12. Our website may be out of date and changed; we may restrict your access

(a) The content on our website may be out of date. Unless otherwise required by applicable law, we are not required to update it.

(b) We may terminate or restrict your access to our website at any time without cause, liability or notice, except where prohibited by applicable law.

(c) We may change any information or materials contained on our website (including these terms) without prior warning or notice. We will update the “Last updated” date when we change these terms. Your continued use of our website after any change is your consent and acceptance to the updated terms.

13. Governing law and jurisdiction

(a) These terms are governed by Hong Kong laws.

(b) In connection with these terms, and subject to applicable law, you agree that:

(i) the courts of Hong Kong have exclusive jurisdiction for any proceedings you commence; and
(ii) we may commence proceedings in any jurisdiction.

14. Other

If there is any inconsistency between the English and Chinese versions of these terms, the English version prevails.