DISCLAIMERS

Pengyuan CreditRating (Hong Kong) Company Limited in this website may be referred as “Pengyuan International”, “Pengyuan” or “company”.

The company may update these Terms and Conditions from time to time, so please check this page periodically. The content of the company’s website is subject to change without notice.

The company controls and maintains this website from Hong Kong. The company makes no representation that the material and information contained herein is appropriate or availablefor use in other locations/jurisdictions. These Terms and Conditions are governed by Hong Kong Law and any dispute shall be subject to the non-exclusive jurisdiction of the Hong Kong courts.

The company will take all reasonable measures to ensure that its website is available 24 hours a day, the company will not be liable if for any reason the website is unavailable atany time or for any period. Access to this website may be suspended temporarily and without notice in a variety of circumstances, such as system failure, maintenance or for reasons beyond the company’s control. The company does not accept any responsibility for direct or indirect loss or damages arising from any cause ofuse in connection with its website.

Nothing on this website should be construed as an offer to sell or a solicitation of an offerto purchase any securities. The material and information contained on this website is provided for general information only and should not be used as abasis for making business decisions. You are recommended to obtain professional advice where appropriate.

All credit ratings and reports are subject to disclaimers and certain limitations. CREDIT RATINGS ARE NOT FINANCIAL OR INVESTMENT ADVICE AND MUST NOT BE CONSIDERED AS ARE COMMENDATION TO BUY, SELL OR HOLD ANY SECURITIES AND DO NOT ADDRESS/REFLECT MARKET VALUE OF ANY SECURITIES. USERS OF CREDIT RATINGS ARE EXPECTED TO BETRAINED FOR INDEPENDENT ASSESSMENT OF INVESTMENT AND BUSINESS DECISIONS.

CREDIT RATINGS ADDRESS ONLY CREDIT RISK. THE COMPANY DEFINES THE CREDIT RISK AS THE RISK THAT THE RATED ENTITY MAY NOT MEET ITS CONTRACTUAL AND/OR FINANCIAL OBLIGATIONS AS THEY BECOME DUE. CREDIT RATINGS MUST NOT BE CONSIDERED AS FACTS OF A SPECIFIC DEFAULT PROBABILITY OR AS A PREDICTIVE MEASURE OF A DEFAULT PROBABILITY. Credit ratings constitute the Company’s forward-looking opinion of the credit rating committee and include predictions about future events which by definition cannot be validated as facts.

For the purpose ofrating process the Company obtains sufficient quality factual information from sources believed by the Company to be reliable and accurate. The Company does not perform an audit and undertakes no duty of due diligence or third-party verification of any information it uses during the rating process. The issuerand its advisors are ultimately responsible for the accuracy of the information provided for the rating process.

Users of the Company’s credit ratings should refer to the rating symbols and definitions published on the Company’s website. Credit ratings with the same rating symbol may not fully reflect all small differences in the degrees of risk, because credit ratings are relative measures of the credit risk.

NO WARRANTY, EXPRESS OR IMPLIED, AS TO THE ACCURACY, TIMELINESS OR COMPLETENESS OF ANY INFORMATION GIVEN OR MADE BY THE COMPANY IN ANY FORM OR MANNER. In no event shall theCompany, its directors, shareholders, employees, representatives be liable toany party for any damages, expenses, fees, or losses in connection with any useof the information published by the Company.

The Company reserves the right to take any rating action for any reasons the Company deems sufficient at any time and in its sole discretion. The publication andmaintenance of credit ratings are subject to availability of sufficient information.

The Company may receive compensation for its credit ratings, normally from issuers, underwriters or obligors. The information about the Company’s fee schedule canbe provided upon the request.

The Company reservesthe right to disseminate its credit ratings and reports through its website, the Company’s social media pages and authorised third parties. No content published by the Company may be modified, reproduced, transferred, distributed or reverse engineered in any form by any means without the prior written consent of the Company.

The Company’s credit ratings and reports are not indented for distribution to, or use by, any personin a jurisdiction where such usage would infringe the law. If in doubt, please consult the relevant regulatory body or professional advisor to ensure compliance with applicable laws and regulations.

COPYRIGHT

This website contains material including text, photographs, images, videos and sound, which is protected by copyright and/or other intellectual property rights. All copyright and other intellectual property rights in this website are either owned by the company or have been licensed to it by the owner(s) of those rights so that it can use this material as part of this website.

Unless otherwise stated, all copyright and other intellectual property rights in the materials on this website belong to the company. Such materials may be downloaded orprinted for personal use or for use within an organization but may only be usedfor personal viewing purposes or for viewing within that organization. Such materials may not be reproduced for or distributed to third parties, or used for commercial purposes, without the company's prior written consent.

The distribution of this website's material may be restricted by law in certain jurisdictions. Itis your responsibility to find out what those restrictions are and observethem.

Any hyperlink created should be set to point to the relevant webpage of the company’s website rather than featuring the content itself, so as to ensure that the updated version isaccessed.

PRIVACY POLICY STATEMENT

The company is committed to comply with the requirementsof the Hong Kong Personal Data (Privacy) Ordinance (PDPO).

The company maycollect and hold personal data as per your permission. 

(a) The informationyou provide in the “Contact us” section, the “Register” or other similar function on this website is used by the company to respond to or handle your enquiries or other matters. The personal data will not be used for any other purposes, disclosed or transferred without your consent, unless such use, disclosure or transfer is permitted or required by law.

(b) Personal data collected from subscribers is used by the company and other companies from Pengyuan group of companies to inform you and to send you information as per your requests. The personal data will not be used for any other purposes, disclosed or transferred without your consent unless such use, disclosure or transfer is permitted or required by law.

(c) Personal data provided for complaint purposes will be used, disclosed or transferred only for purposes related to the complaint (for example, it may need to be disclosed to the person against whom a complaint has been made or to the regulator). If the information provided is inaccurate or incomplete, consideration of the complaint may be affected.

(d) Personal data collected from job applicants who applied through our website is used for recruitment related purposes only, and will not be used for any other purposes, disclosed or transferred without your consent, unless such use, disclosure or transfer is permitted or required by law.

 

Different retention periods apply to the various kinds of personal data collected and held by thecompany.

(a) Personal data provided under the “Contact us” section will be deleted 90 days after any requiredaction has been completed.

(b) Personal data provided for the subscription / registration service will be deleted 90 days after you unsubscribe from our services.

(c) Personal data provided for complaint purposes is retained for such period as may be necessary for the proper handling of the complaint and to satisfy the regulatory requirements.

(d) In relation to personal data collected from unsuccessful job applicants who applied through our website, such personal data will be destroyed after six months from thedate of the application deadline.

Under the Hong KongPersonal Data (Privacy) Ordinance, individuals have the right to request access to and correction of their personal data. If you wish to access, correct or delete your personal information held by the company, please send your enquiry or request marked “Personal information enquiry” by post or by email. When handling a data access or correction request, the company will check the identity of the requestor.

SOCIAL MEDIA

The company may operate social media either on or off our corporate website as channels. Use of social media will be governed by the terms of use of those specific socialmedia platforms.

The company would like you to follow simple interaction rules to make communication pleasant for participants:

(1) The company doesn’t allow the use of aggressive,offensive or inappropriate. Such comments or posts will be removed.

(2) The company reserves the right to remove comments or posts that are not related to the discussed topic.

Social media plug-in are software codes / scripts that enable specific functionality on social media platforms. The common example is a “Share” button. The company’s website may contain plug-ins to social networks including, but not limited to, Facebook, Twitter and LinkedIn.

EXTERNAL LINKS

The company’s website may include links to external websites. These links are provided in order to help you find relevant websites, services and/or products which may be of interest to you quickly and easily. It is your responsibility to decide whether any services and/or products available through any of these websites are suitable for your purposes. The company is not responsible for the owners oroperators of these websites or for any goods or services they supply or for the content of their websites.

The company is not liable for the content of external web links and webpages provided or mentionedin its websites. Nor is it responsible for the content or operation of external websites. References and links to any such sites shall not be taken as an endorsement by the School of opinions expressed or services provided at those sites.

The company does not allow a link to its website if the host website contains any material which is defamatory, pornographic, obscene, or is in any way in breach of the laws ofthe Hong Kong Special Administrative Region or infringes any intellectual property rights or other rights.

SECURITY

You may not attempt to gain unauthorized access to any feature of the website, or any other systems or networks connected to the website by hacking or any other illegitimate means.

You may not probe, scan or test the vulnerability of the website or any network connected to the website, nor breach the security or authentication measures on the website or anynetwork connected to the website.

You agree that you will not take any action that imposes an unreasonable or disproportionatelylarge load on the infrastructure of the website, or any systems or networksconnected to the website.

You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on the Site, or with any other person’s use of the Site.

You are responsible for ensuring confidentiality of the information of your account, including yourpassword. You agree to notify the company immediately of any unauthorized use of your account.

EMAIL

Email messages sent to the company via internet cannot be guaranteed to be completely secure. The company is not responsible for any damages incurred by you if you send a message to the company, or if the company sends a message to you at your request via internet. Due to the nature of the internet data transmission may be subject to interruption, delayed transmission and incorrect data transmission. The company is not liable for malfunctions in communications facilities not under itscontrol that may affect the accuracy or timeliness of messages you send.

You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for malicious software.

 

Updated by PengyuanInternational on 19 January 2018.


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