費用披露

1. 引言 / Introduction

中文：本費用披露（「披露」）說明 Debitbaba 網站（https://debitbaba.com）及其相關平台（如 YouTube 頻道「財智研究社」）涉及的財務安排，包括推廣碼、聯盟行銷佣金及用戶可能承擔的費用。我們致力於透明披露所有相關費用，遵循香港《證券及期貨條例》（SFO）、香港證監會（SFC）《廣告指引》及相關法規。請仔細閱讀本披露，了解與本網站內容和服務相關的費用結構。

English: This Fee Disclosure (“Disclosure”) outlines the financial arrangements related to the Debitbaba website (https://debitbaba.com) and its related platforms (e.g., YouTube channel “財智研究社”), including referral codes, affiliate marketing commissions, and potential costs to users. We are committed to transparently disclosing all relevant fees in compliance with the Hong Kong Securities and Futures Ordinance (SFO), the Hong Kong Securities and Futures Commission (SFC) Advertising Guidelines, and related regulations. Please read this Disclosure carefully to understand the fee structure associated with our content and services.

2. Debitbaba 的收入來源 / Sources of Revenue for Debitbaba

中文：Debitbaba 透過以下方式獲得收入：

聯盟行銷佣金：本網站可能與金融機構、信用卡發卡行或第三方平台（如英皇金業、HashKey、MOX 銀行、Hotels.com、Trip.com）合作，透過推廣碼或推薦連結提供優惠。若你使用我們的推廣碼申請服務或消費，Debitbaba 可能獲得佣金，金額視合作機構的協議而定。
廣告收入：本網站可能顯示廣告（如 Google Ads），從中獲得廣告費用。
贊助內容：我們可能與合作夥伴發布贊助文章或影片，收取贊助費用。

所有收入來源均不影響我們提供財經教育資訊的客觀性，且符合香港法規和 Google 透明度要求。

English: Debitbaba generates revenue through the following sources:

Affiliate Marketing Commissions: The website may partner with financial institutions, credit card issuers, or third-party platforms (e.g., Emperor Financial, HashKey, MOX Bank, Hotels.com, Trip.com) to offer promotions via referral codes or links. If you use our referral codes to apply for services or make purchases, Debitbaba may earn commissions, the amount of which depends on the agreements with the respective institutions.
Advertising Revenue: The website may display advertisements (e.g., Google Ads), generating advertising fees.
Sponsored Content: We may publish sponsored articles or videos with partners, receiving sponsorship fees.

All revenue sources do not compromise the objectivity of our financial educational content and comply with Hong Kong regulations and Google’s transparency requirements.

3. 用戶可能承擔的費用 / Potential Costs to Users

中文：使用本網站的財經資訊或推廣碼可能涉及以下費用，具體視你選擇的服務而定：

金融服務費用：若你透過推廣碼申請金融服務（如信用卡、投資產品、虛擬貨幣交易），可能需支付年費、手續費、利息、交易費用或其他費用，詳情請參閱相關機構（如英皇金業、HashKey、MOX 銀行）的官方條款。
信用卡相關費用：申請或使用信用卡可能涉及年費、逾期利息、提現費用或外幣交易費。違反發卡機構條款（如套現）可能導致額外費用或帳戶限制。
第三方平台費用：使用推廣碼參與第三方服務（如 Hotels.com、Trip.com）可能涉及服務費、最低消費要求或其他費用，詳見其官方條款。
網站使用費用：Debitbaba 網站的瀏覽和資訊查閱免費，但你可能因網絡連線或設備使用產生間接成本（如數據費用）。

Debitbaba 不對第三方費用負責，請在參與任何服務前仔細閱讀相關機構的條款及細則。

English: Using the financial information or referral codes on this website may involve the following costs, depending on the services you choose:

Financial Service Fees: Applying for financial services (e.g., credit cards, investment products, cryptocurrency trading) via our referral codes may incur annual fees, transaction fees, interest, or other charges. Please review the official terms of the relevant institutions (e.g., Emperor Financial, HashKey, MOX Bank).
Credit Card-Related Fees: Applying for or using credit cards may involve annual fees, late payment interest, cash advance fees, or foreign transaction fees. Violating card issuer terms (e.g., cash advances) may result in additional costs or account restrictions.
Third-Party Platform Fees: Using referral codes for third-party services (e.g., Hotels.com, Trip.com) may involve service fees, minimum spending requirements, or other costs. Please review their official terms.
Website Usage Costs: Browsing and accessing information on Debitbaba is free, but you may incur indirect costs (e.g., data charges) from internet connectivity or device usage.

Debitbaba is not responsible for third-party fees; please carefully review the terms and conditions of relevant institutions before participating.

4. 費用透明度 / Fee Transparency

中文：Debitbaba 承諾透明披露所有與推廣相關的財務安排：

所有推廣碼或推薦連結均明確標示為聯盟行銷，佣金不影響我們的內容客觀性。
我們不會向用戶收取任何直接費用，僅透過合作夥伴獲得佣金或廣告收入。
若推廣的服務涉及費用（如信用卡年費、交易手續費），我們會指引你至相關機構的官方網站查閱詳情。

我們遵循香港《證券及期貨條例》、《廣告指引》及 Google 政策，確保費用披露公平且不誤導。

English: Debitbaba is committed to transparently disclosing all financial arrangements related to promotions:

All referral codes or affiliate links are clearly marked as affiliate marketing, and commissions do not affect the objectivity of our content.
We do not charge users any direct fees, earning revenue solely through partner commissions or advertising.
If promoted services involve fees (e.g., credit card annual fees, transaction costs), we direct you to the official websites of relevant institutions for details.

We comply with the Hong Kong Securities and Futures Ordinance, SFC Advertising Guidelines, and Google policies to ensure fair and non-misleading fee disclosures.

5. 金融服務的合規性 / Compliance of Financial Services

中文：本網站推廣的金融服務（如英皇金業、HashKey、MOX 銀行）受香港證監會（SFC）或香港金融管理局（金管局）監管，牌照資訊請參閱其官方網站。我們僅推廣合法合規的服務，並遵循香港《證券及期貨條例》（SFO）及相關法規。請直接聯繫相關機構以獲取費用及條款的最新資訊。

English: Financial services promoted on this website (e.g., Emperor Financial, HashKey, MOX Bank) are regulated by the Hong Kong Securities and Futures Commission (SFC) or the Hong Kong Monetary Authority (HKMA), with license details available on their official websites. We only promote legally compliant services in accordance with the Hong Kong Securities and Futures Ordinance (SFO) and related regulations. Please contact the relevant institutions directly for the latest fee and terms information.

6. 用戶責任 / User Responsibilities

中文：你在使用本網站的推廣碼或服務時，應：

自行評估與金融服務相關的費用和風險（如年費、利息）。
閱讀並遵守合作機構的條款及細則。
避免參與違反香港法規的活動（如信用卡套現），以免承擔額外費用或法律責任。

Debitbaba 不對因用戶未能遵守條款或誤解費用結構而導致的損失負責。

English: When using referral codes or services from this website, you should:

Independently assess the fees and risks associated with financial services (e.g., annual fees, interest).
Read and comply with the terms and conditions of partner institutions.
Avoid engaging in activities that violate Hong Kong laws (e.g., credit card cash advances) to prevent additional costs or legal liabilities.

Debitbaba is not responsible for losses resulting from users’ failure to comply with terms or misunderstanding fee structures.

7. 與其他政策的關係 / Relationship with Other Policies

English: This Fee Disclosure forms part of Debitbaba’s Terms and Conditions and, together with the Disclaimer, Copyright Notice, and Privacy Policy, governs the use of the website. Matters not covered by this Disclosure are subject to the Terms and Conditions. This Disclosure is governed by Hong Kong law, and any disputes will be resolved in Hong Kong courts.

聯繫我們 / Contact Us

如有任何關於費用披露的問題，請透過以下方式聯繫 Debitbaba：

電話熱線： +6767 1888

WhatsApp：+6767 1888

電郵：[email protected]

註冊辦事處地址：20/F,Witty Commercial Building, 1A-1L Tung Choi Street, Mongkok, Kowloon

中文：感謝你選擇 Debitbaba！我們致力於提供透明的費用資訊，共同維護合法合規的財經學習環境。

English: Thank you for choosing Debitbaba! We are committed to providing transparent fee information to maintain a lawful and compliant financial learning environment.

最後更新 / Last Updated：2025 年 7 月 8 日 / July 8, 2025