Note: This webpage / document is for information only and does not constitute any investment advice. Investment involves risks, please refer to the Disclaimers herein for details.
 The Offer is effective from 16 July 2022 to 30 Sept 2022 (both dates inclusive) (“Offer Period”).
 The Offer is only applicable to new customers (“you” or “your”) of Welab Bank Limited (“WeLab Bank”, “we”, “us” or “our”) who have during the Offer Period successfully opened (i) a WeLab Bank Core Account using referral code “INVEST” or other referral codes starting with “IN”, and (ii) Investment Account. To be a new customer means you have not terminated and/or closed neither your WeLab Bank Core Account nor Investment Account in the twelve (12) months prior to the commencement of the Offer Period.
 You may only use one (1) referral code when opening a WeLab Bank Core Account, and you will only be entitled to the offer/rebate which corresponds with the referral code used. This Offer cannot be used in conjunction with other referral programmes which means if you have input any other referral code when you apply for your WeLab Bank Core Account, then you are not entitled to this Offer.
 To be entitled to the cash rebate set out in Clause 5 below (“Seed Money”), you should successfully subscribe for a model portfolio during the Offer Period (“Eligible Transaction”). Transaction time will be based on Hong Kong Time (HKT).
 The amount of the Seed Money shall be equal to the highest one-time investment amount among all Eligible Transactions executed on the First Eligible Transaction Date, which is capped at HKD500. First Eligible Transaction Date shall be the day on which your first Eligible Transaction within the Offer Period is successfully executed.
Note: Subscription order cut-off time is 3:00pm HKT of a dealing day. If you place an order at or after the cut-off time or on a non-Business Day/non-dealing day of the fund, your order will be processed on the next Business Day.
 You can only enjoy the Seed Money once during the Offer Period.
 If the Eligible Transaction is withdrawn, cancelled or declined in respect of which the Seed Money amount is to be/has been credited to your WeLab Bank Core Account, we reserve the right to debit the respective Seed Money amount directly from your WeLab Bank Core Account without prior notice.
 The dates and amounts appearing in our record will be conclusive as to (i) the date on which the Core Account and/or Investment Account was opened, terminated or converted, (ii) one-time investment amounts, (ii) the number of the transactions carried out and (iv) the dates on which the transactions are carried out.
 Seed Money will be credited to your WeLab Bank Core Account within 2 days of First Eligible Transaction Date unless otherwise specified. Your WeLab Bank Core Account and Investment Account status must remain valid and normal at the time when the Seed Money is rewarded or delivered to you. Otherwise, the reward will be forfeited absolutely.
 For Exclusive $200 cash rebate: New customer need to successfully opened WeLab Bank Limited (“WeLab Bank”, “we”, “us” or “our”) Core Account and GoWealth account with referral code「INHERO」, and make an eligible transaction by Sept 30 after opening the GoWealth investment account to be eligible to get the exclusive $200 cash rebate. Exclusive $200 cash rebate will be credited to your WeLab Bank Core Account by Oct 31. Your WeLab Bank Core Account and Investment Account status must remain valid and normal at the time when the Seed Money is rewarded or delivered to you. Otherwise, the reward will be forfeited absolutely.
 This Offer is not applicable to the staff members of Welab Bank Limited, Welend Limited and Welab Holdings Limited.
 All cash rebate amount cannot be transferred, returned, exchanged, or converted into other forms, unless otherwise specified by us.
 Any breach of applicable laws or regulations, fraud, abuse and/or non-compliance by you (as determined at our sole discretion) will result in forfeiture of your eligibility to participate in this Offer and/or suspension or termination of all or any of your Account with us. We shall not credit the cash rebate amount or where the cash rebate amount has been credited, we reserve the right to debit the cash rebate amount from your Account (including but not limited to your Core Account) without notice and/or take such necessary legal action to recover any outstanding amounts.
 We reserve the right to suspend, modify or terminate this Offer and/or amend these terms and conditions at any time without prior notice. In the event of dispute, our decision shall be final, conclusive and binding.
 Except “WeLab Bank GoWealth Cash Rebate Subscription Offer”, this Offer cannot be used in conjunction with other special promotions, discounts or promotional coupons unless otherwise specified.
 These terms and conditions shall be read in connection with our Account Terms and Wealth Management Services Terms. Terms defined in our Account Terms or Wealth Management Services Terms shall have the same meanings when used herein, unless otherwise defined. In the event of inconsistency between these terms and conditions, the Account Terms and the Wealth Management Services Terms, the prevailing order shall be as follows:
(i) these terms and conditions;
(ii) the Wealth Management Services Terms; and
(iii) the Account Terms.
 In the event of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.
Effective Date: [16 July 2022]
This webpage/document does not constitute any offer, solicitation, recommendation, comment or any guarantee to the purchase or sale of any investment products or services.
Investment involves risk. The price of an investment fund unit may go up as well as down and the investment funds may become valueless. Part of your investment may not be able to liquidate immediately under certain market situation. Please refer to our Wealth Management Services Terms (including relevant risk disclosures) and relevant fund offering documents for more details of our services as well as the nature and risks of the relevant products.
The investment decision is yours but you should not invest in these product(s) nor services unless the intermediary who sells them to you has explained to you that these products are suitable for you having regard to your financial situation, investment experience and investment objectives.
Before making any investment decisions, you should consider your own financial situation, investment objectives and experiences, risk acceptance and ability to understand the nature and risks of the relevant product(s).
If you have any inquiries on the nature and risks involved in this webpage/document, relevant product(s) and services, trading or investment funds, etc, you should seek advice from independent financial adviser.
The information contained on this webpage is intended for Hong Kong residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any securities in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region you are located or resident in.
This webpage/document is issued by Welab Bank Limited. The contents of this webpage/document have not been reviewed by the Securities and Futures Commission in Hong Kong.