Please read these terms and conditions (“Terms of Use”) before using this website (the “Website”). By accessing or using the Website, you agree to be bound by these Terms of Use. If you do not agree, please do not use the Website.

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In these Terms of Use, “KOINS,” “we,” “us,” and “our” refer to the HKU Korean Investment Society, a student-run organization at The University of Hong Kong. The Website is provided for general informational, educational, and community purposes, including recruitment, event information, and alumni/community updates.

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1. Website Content and Intellectual Property

The Website and all content made available through it, including text, graphics, images, data compilations, icons, logos, design elements, and any other materials (“Content”), are owned by KOINS or used with permission, and are protected by applicable intellectual property laws.

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You may view, download, and print Content for your personal, non-commercial use only. You may not copy, reproduce, modify, distribute, publish, transmit, create derivative works from, or exploit any Content for commercial purposes without prior written permission from KOINS. You may not remove or alter any copyright, trademark, or other proprietary notices.

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2. Acceptable Use

You agree not to use the Website in any way that is unlawful, harmful, or interferes with the Website’s operation. Without limitation, you agree not to:

• attempt to gain unauthorized access to any part of the Website or its systems;

• upload, transmit, or distribute malware, harmful code, or disruptive content;

• use any automated means (including bots, scrapers, spiders, or similar tools) to access, copy, or monitor the Website without our permission;

• take any action that imposes an unreasonable or disproportionately large load on the Website or its infrastructure; or

• use the Website to conduct commercial solicitation or advertising without authorization.

We reserve the right to restrict, suspend, or terminate access to the Website at our discretion, including where we believe these Terms of Use have been violated.

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3. No Investment Advice; Educational Purpose Only

Content on this Website may reference financial markets, securities, and investment-related topics. All such Content is provided for educational and informational purposes only and does not constitute investment advice, financial advice, legal advice, tax advice, or any other professional advice. KOINS does not provide investment advisory services, does not manage assets, and does not act as a broker, dealer, or fiduciary.

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Nothing on this Website constitutes an offer to sell or a solicitation of an offer to buy any securities or financial instruments in any jurisdiction.

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4. Accuracy; No Duty to Update

We make reasonable efforts to maintain accurate information, but Content may contain inaccuracies or typographical errors and may become outdated. Content speaks only as of the date it is posted (or last updated). We do not undertake any duty to update, correct, or revise Content.

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5. Third-Party Content and Links

The Website may contain links to third-party websites or references to third-party materials. KOINS does not control, endorse, or assume responsibility for the content, accuracy, availability, or privacy practices of any third-party websites. Accessing third-party websites is at your own risk.

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6. Disclaimer of Warranties

The Website and Content are provided on an “AS IS” and “AS AVAILABLE” basis. To the maximum extent permitted by applicable law, KOINS disclaims all warranties of any kind, whether express or implied, including warranties of accuracy, reliability, merchantability, fitness for a particular purpose, non-infringement, and availability.

We do not warrant that the Website will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

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7. Limitation of Liability

To the maximum extent permitted by applicable law, KOINS will not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or relating to your access to or use of (or inability to use) the Website or Content, including reliance on any information provided through the Website.

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8. Indemnification

You agree to indemnify and hold harmless KOINS and its officers, representatives, and members from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or relating to your use of the Website or violation of these Terms of Use.

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9. Changes to the Website and Terms

We may modify, suspend, or discontinue the Website (in whole or in part) at any time without notice. We may also update these Terms of Use from time to time. Updated Terms of Use will be posted on the Website and will become effective upon posting. Your continued use of the Website constitutes acceptance of the updated Terms.

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10. Governing Law

These Terms of Use are governed by the laws applicable in Hong Kong SAR, without regard to conflict of law principles, and subject to any mandatory requirements under applicable law or university policy.

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11. Contact

If you have questions about these Terms of Use, please contact us at:

koinshku@gmail.com

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Last updated: December 2025