Introduction

These Website Standard Terms and Conditions (“Terms”) govern your use of the website operated by Long Service Payment (HK) Research Company Limited (“Company”, “we”,” us” or “our”) at www.lspcal.com (“Website”). By accessing the Website, you (“User”) agree to be legally bound by these Terms. If you do not accept these Terms in full, you must immediately discontinue all use of the Website.

Eligibility

This Website is intended for adult users. To access our services, you must be at least 18 years old. By using this Website, you confirm that you meet this age requirement.

Intellectual Property Rights

All intellectual property rights in the Website content (excluding User Content) are owned by or licensed to the Company. You are granted a limited, non-transferable license to access and use content solely for legitimate commercial purposes.

Restrictions

You expressly agree not to:

1. Republish, sell, sublicense, or commercially exploit Website content
2. Publicly perform or display non-public Website material
3. Engage in any activities that:

• Damage, disable, or impair the Website
• Violate applicable laws (including data protection/cybersecurity regulations)
• Infringe third-party rights

4. Engage in data mining, scraping, or harvesting
5. Use the Website for unauthorized advertising
6. Access restricted areas without authorization
7. Create fake, forged, or inappropriate content
8. Impersonate any third party (including entities or individuals)
9. Collect unnecessary personally identifiable information

Access Control Enforcement

The Company reserves the right to suspend, terminate, or restrict access privileges to any Website areas at any time upon violation of these Restrictions, with reasonable cause in its absolute discretion.

Credential Security

You expressly agree to:

1. Maintain strict confidentiality of all credentials (including login IDs, passwords, tokens, and access keys)
2. Never disclose credentials to third parties
3. Promptly report suspected unauthorized access 

User Content

Definition

“User Content” (“Your Content”) means any audio, video, text, images, or other material displayed on the Website by you. 

License Grant

By displaying Your Content, you grant the Company a non-exclusive, worldwide, irrevocable license to 

• Use, reproduce, and adapt
• Publish, translate, and distribute in all media formats

Warranties & Removal

Your Content must be your own and must not be invading any third-party’s rights. The Company reserve the right to remove any of Your Content from this Website at any time without notice.