1. Who can join? Customers aged 18+ with a Hong Kong Permanent Identity Card.
2. To qualify, Participants must complete the following steps during the promotion period:
   Account Opening: Open an account with Ming Tak Finance
   Deposit: Deposit US$2,000 or more and maintain the balance for 30 days
3. Notes
   New customers are defined as individuals who have never opened an account with Ming Tak Finance.
4. All gifts are available in limited quantities and will be distributed on a first‑come, first‑served basis
5. Gifts cannot be exchanged for cash, gift vouchers/cash coupons, or other products/services.
6. All information, prices, and images are for reference only.
7. Ming Tak Finance makes no representation or warranty regarding the quality or availability of any products, services, or information, and accepts no liability for any matters arising from or related to such products, services, or information.
8. Participants who may receive rewards under this promotion expressly agree to be photographed, interviewed, and filmed. They further consent that all videos, photos, and interview content (“Works”) will be provided to Ming Tak Finance for use across various media channels, for communication and promotional purposes related to this campaign. Reward recipients automatically waive any rights to pursue claims or disputes regarding such Works, including any intellectual property or moral rights.
9. Participation in this promotion is entirely voluntary. Ming Tak Finance shall not be held responsible for any liability or loss arising from the promotion or the rewards.
10. Ming Tak Finance reserves the right to amend the terms of the promotion, or to cancel or terminate the promotion, without prior notice and without assuming any responsibility.
11. All employees of Ming Tak Finance and their family members are not eligible to participate, in order to ensure fairness.
12. In cases where a reward recipient is suspected of fraud, violation of regulations, or inappropriate conduct resulting in account termination, Ming Tak Finance reserves the right to take any necessary legal action. This includes reclaiming any vouchers or rewards already granted, as well as pursuing liabilities or losses arising from the recipient’s actions.
13. This promotion should not be construed as advice, invitation, advertisement, or solicitation to buy or sell any futures, options, financial products (including structured products), or services
14. In the event of any dispute, Ming Tak Finance reserves full and final decision‑making authority.

* For reference only — the Chinese version of the Terms and Conditions is the official version.