Terms of Service

1. Acceptance of Terms

By accessing or using the services provided by Aurora Global Holdings Limited (doing business as "Rise Summit Financial"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these terms, you may not use our services.

Agreement to Terms

• You confirm that you are at least 18 years of age
• You have the legal capacity to enter into this agreement
• You will comply with all applicable laws and regulations
• You understand the risks associated with financial investments

2. Description of Services

Rise Summit Financial provides comprehensive financial services including but not limited to:

Core Services

• Investment Advisory: Professional investment advice and portfolio management
• Wealth Management: Comprehensive wealth planning and asset management
• Financial Planning: Retirement planning and financial goal setting
• Portfolio Management: Active management of investment portfolios
• Market Analysis: Research and market insights
• Risk Assessment: Evaluation of investment risks and mitigation strategies

Service Limitations

Our services are subject to regulatory approvals, market conditions, and availability. We reserve the right to modify, suspend, or discontinue any service at our discretion.

3. User Responsibilities

Account Management

As a client, you are responsible for:

• Providing accurate and complete information
• Maintaining the confidentiality of your account credentials
• Promptly notifying us of any changes to your information
• Reviewing all account statements and communications
• Complying with all applicable tax obligations

Investment Decisions

• Understanding that all investments carry inherent risks
• Making informed decisions based on your financial situation
• Providing accurate risk tolerance and investment objectives
• Reviewing and understanding all investment recommendations

Prohibited Activities

You agree not to:

• Provide false or misleading information
• Use our services for illegal activities
• Attempt to manipulate markets or engage in fraudulent behavior
• Share account access with unauthorized parties
• Reverse engineer or attempt to access our systems improperly

4. Investment Risks and Disclaimers

General Investment Risks

• Market Risk: Investment values may fluctuate due to market conditions
• Credit Risk: Risk of default by issuers of securities
• Liquidity Risk: Some investments may not be easily convertible to cash
• Currency Risk: Exchange rate fluctuations may affect international investments
• Interest Rate Risk: Changes in interest rates may affect investment values

No Guarantee of Returns

We do not guarantee any specific investment returns or outcomes. All investment decisions should be made based on your individual circumstances, risk tolerance, and investment objectives.

5. Fees and Charges

Service Fees

Our fees are clearly disclosed in our fee schedule and individual client agreements. Fees may include:

• Management fees based on assets under management
• Performance-based fees where applicable
• Transaction fees for specific services
• Third-party costs passed through to clients

Fee Changes

We reserve the right to modify our fee structure with appropriate notice as specified in your client agreement.

6. Privacy and Confidentiality

We are committed to protecting your privacy and maintaining the confidentiality of your personal and financial information in accordance with our Privacy Policy and applicable laws.

Information Use

• Your information is used solely for providing our services
• We do not sell or share your personal information with unauthorized parties
• All data is protected using industry-standard security measures
• You have rights regarding your personal information as outlined in our Privacy Policy

7. Limitation of Liability

Limitation Scope

To the maximum extent permitted by law, Aurora Global Holdings Limited shall not be liable for:

• Investment losses resulting from market conditions
• Indirect, incidental, or consequential damages
• Loss of profits or business opportunities
• Damages resulting from third-party actions
• Technical failures or system interruptions

Maximum Liability

In no event shall our total liability exceed the fees paid by you for our services in the 12 months preceding the claim.

8. Indemnification

You agree to indemnify and hold harmless Aurora Global Holdings Limited, its affiliates, directors, officers, and employees from any claims, losses, or damages arising from:

• Your breach of these Terms of Service
• Your violation of any law or regulation
• Your provision of false or misleading information
• Any unauthorized use of your account

9. Termination

Termination by Client

You may terminate our services at any time by providing written notice as specified in your client agreement.

Termination by Company

We may terminate our services in the following circumstances:

• Breach of these Terms of Service
• Non-payment of fees
• Regulatory requirements
• At our discretion with appropriate notice

Effect of Termination

Upon termination, we will assist with the orderly transfer of your assets as directed, subject to applicable fees and regulatory requirements.

10. Dispute Resolution

Governing Law

These Terms are governed by the laws of Hong Kong, without regard to conflict of law principles.

Dispute Resolution Process

1. Direct Resolution: First attempt to resolve disputes through direct communication
2. Mediation: If direct resolution fails, participate in mediation
3. Arbitration: Final disputes may be subject to binding arbitration

11. Regulatory Compliance

Aurora Global Holdings Limited operates under the regulatory framework of Hong Kong and other applicable jurisdictions. Our services are subject to:

• Securities and investment regulations
• Anti-money laundering requirements
• Know Your Customer (KYC) procedures
• Financial reporting obligations
• Consumer protection laws

12. Modifications to Terms

We may modify these Terms of Service from time to time. Material changes will be communicated to you through:

• Email notification to your registered address
• Posting updates on our website
• Written notice where required by law

Continued use of our services after notification constitutes acceptance of the modified terms.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be modified to the minimum extent necessary to make it enforceable, and the remainder of the Terms will remain in full force and effect.