This website is provided by HarbinBank. By browsing this website and related pages, users agree to the following terms:

　　1. Not all customers are eligible for all products and services. HarbinBank reserves the right to determine whether you qualify for specific products and services.

　　2. All content on this website, including trademarks, designs, text, images, and other information, is copyrighted by HarbinBank unless otherwise specified.

　　3. The "All Rights Reserved" notice on this website indicates that HarbinBank holds exclusive copyright over the site's logo, design concepts, structure, and all content and images that are created and developed by the bank. No one else may copy, mirror, or otherwise use this content on servers not owned by HarbinBank or use it in any other unauthorized manner.

　　4. HarbinBank reserves the right to interpret all information on this website. HarbinBank also reserves the right to modify the information, materials, terms, conditions, and descriptions displayed on the website. Any changes will take effect upon their publication. You should regularly review this website's statements to stay informed of policy changes. The content on this website is authoritative in its Chinese version, with the English version provided for reference only.

　　5. HarbinBank owns or co-owns all intellectual property rights to the content and services it has developed, whether independently or in collaboration with others. These rights are protected under applicable intellectual property laws, including those related to copyrights, trademarks, service marks, patents, and proprietary rights.

　　6. HarbinBank's web services include all content in text, software, images, graphics, and advertisements, as well as other information provided by HarbinBank to users. All such content is protected by the aforementioned relevant laws.

　　7. The various interest rates, exchange rates, fee standards, and calculation functions provided on this website are for reference only. The specific rates and fees shall be as published by the local branches of the bank.

　　8. Any information appearing on this website, including but not limited to comments, predictions, charts, indicators, and direct or implied guidance, is provided for reference only. You are responsible for any actions taken based on your independent decisions.

　　9. When accessing our website, please enter the URL directly into your browser. It is recommended to add the HarbinBank website to your browser's bookmarks and avoid accessing it through unknown links. The official HarbinBank website address is https://www.hrbb.com.cn.

　　10. HarbinBank does not guarantee the accuracy, adequacy, reliability, or completeness of the information and materials on this website or on any websites linked to this site. We explicitly disclaim any liability, whether direct or indirect, for any errors or omissions in such information and materials. We make no warranties of any kind (implied, express, or statutory) regarding the information and materials provided.

　　11. HarbinBank is not liable for any damages, whether arising from the use or inability to use this website, or from any information contained on this site or any linked websites. This includes, but is not limited to, lost profits, data loss, or business interruptions, regardless of whether the damages are based on warranty, contract, infringement act, or any other legal grounds, and even if HarbinBank has been advised of the possibility of such damages. If the use of information from this site requires maintenance, repair, or correction of equipment or data, you are responsible for all associated costs.

　　12. Under no circumstances shall HarbinBank be liable for any direct, indirect, special, incidental, or consequential losses related to the use or inability to use this website or the content, materials, and functions of any linked websites, including but not limited to any lost profits, business interruption, and loss of information or data in your information processing system, even if HarbinBank has been explicitly informed of the possibility of such losses.

　　13. For your convenience, HarbinBank may establish links to third-party websites owned or operated by others on the internet. When you access these other websites via such links, you must read and agree to the terms of use of those websites before proceeding. HarbinBank has no control over other websites and assumes no responsibility for the content published or produced on other websites.

　　14. Some sections or pages of this website may include separate terms and conditions that supplement these terms and conditions. In case of any conflict, the additional terms and conditions will apply to the relevant sections or pages.