Sphere Terms of Service / 用戶服務協議

Bilingual | 中英雙語版

Governing Law: Personal Data (Privacy) Ordinance (Cap. 486), Laws of Hong Kong

適用法律：香港法例第486章《個人資料（私隱）條例》

Applicable Regulations: Insurance Ordinance (Cap. 41), Securities and Futures Ordinance (Cap. 571)

相關法規：《保險條例》（第41章）、《證券及期貨條例》（第571章）

Version 1.0 | 版本 1.0

Effective Date: [08/04/2026] | 生效日期：[08/04/2026]

PART I — ENGLISH VERSION

TERMS OF SERVICE

These Terms of Service ("Terms") govern your access to and use of the AI-powered video and content generation service ("Service") provided by [Sphere] ("Company", "we", "us"). By accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms. If you are using the Service in your capacity as a licensed insurance agent, financial advisor, or other regulated financial professional ("Agent User"), additional provisions in these Terms apply to you.

1. Definitions

"Service" means the AI-powered platform enabling Agent Users to generate AI videos, marketing copy, and promotional content using their own biometric data.

"Biometric Data" means facial photographs, voice recordings, and any other biological or behavioural characteristics uploaded by you that are used to generate AI-synthesised video or audio content.

"AI-Generated Content" means video, audio, images, text, or other materials produced by the Service in response to your inputs, including AI video featuring your synthesised likeness and voice.

"Agent User" means a User who is a licensed insurance agent, financial advisor, mortgage broker, or other regulated financial professional using the Service to generate promotional or client-acquisition materials.

"Regulatory Authority" means the Insurance Authority of Hong Kong ("IA"), the Securities and Futures Commission ("SFC"), the Hong Kong Monetary Authority ("HKMA"), or any other competent regulatory body having jurisdiction over an Agent User's professional activities.

2. Eligibility and Account Registration

You must be at least 18 years of age to use the Service.
Agent Users must hold all valid licences, registrations, and approvals required by applicable Regulatory Authorities to conduct the financial or insurance activities for which the Service is used.
You must provide accurate and complete registration information and maintain the confidentiality of your account credentials.
Corporate users represent that the individual accepting these Terms has authority to bind the entity.

3. Biometric Data — Upload, Consent, and Use

⚠ This section governs the collection and processing of your facial photographs and voice recordings. Please read it carefully before uploading any biometric data.

3.1 Separate Consent Requirement

Before uploading any Biometric Data, you will be presented with a separate, standalone consent form ("Biometric Data Consent Form"). Your acceptance of these Terms does not constitute consent to the processing of your Biometric Data. You must complete the Biometric Data Consent Form as a distinct step. The Biometric Data Consent Form will specify:

The exact types of biometric data to be collected (facial photographs and voice recordings);
The specific purposes for which your Biometric Data will be used (AI facial animation synthesis and voice cloning to produce AI-generated promotional videos);
The identity of any third-party AI processing vendors who will process your Biometric Data;
The retention period for your original Biometric Data; and
Your right to withdraw consent and the consequences of doing so.

3.2 Permitted Uses of Biometric Data

We will use your Biometric Data solely for the following purposes:

Generating AI-synthesised video content featuring your facial likeness and voice, as instructed by you through the Service;
Quality assurance and technical error correction of the generation process;
Fraud prevention and verification that uploaded biometric data belongs to the registered Account holder.

We will not use your Biometric Data for identity verification beyond the Service, access control systems, behavioural profiling, training of our AI models for general use, or any other purpose not stated in this section or the Biometric Data Consent Form.

3.3 Your Warranties Regarding Biometric Data

By uploading Biometric Data, you represent and warrant that:

The photographs and voice recordings uploaded are your own and are not the likeness or voice of any other individual;
You are the sole rightful owner of the biometric data uploaded and have full legal authority to grant us the right to process it as described herein;
The use of your Biometric Data as contemplated under these Terms will not infringe any third-party rights, including portrait rights, personality rights, or privacy rights; and
You will not upload the biometric data of any other person without that person's separate, explicit, and documented consent.

3.4 Withdrawal of Consent

You may withdraw your consent to the processing of your Biometric Data at any time by submitting a written request to [dpo@sphere.com]. Upon receipt of a valid withdrawal request:

We will cease all further processing of your original Biometric Data within 7 calendar days;
Your original facial photographs and voice recordings will be permanently deleted within 30 calendar days of your withdrawal request;
AI-Generated Content (videos) already produced using your Biometric Data and stored in your account will be treated as your content assets and will not be automatically deleted — you may delete such content at any time through your account settings. For the avoidance of doubt, once produced, AI-Generated Content does not itself constitute Biometric Data under these Terms; and
Withdrawal of consent will not affect the lawfulness of any processing carried out prior to the withdrawal.

4. AI-Generated Content — Financial Promotion Compliance

⚠ IMPORTANT FOR AGENT USERS: AI-Generated Content produced by the Service does not constitute financial advice, investment recommendations, or approved marketing materials. You are solely responsible for ensuring all content complies with applicable regulatory requirements before distribution.

4.1 Agent User Compliance Obligations

Where you are an Agent User and use AI-Generated Content for client acquisition, marketing, or any promotional purpose, you acknowledge and agree that:

Regulatory compliance is your sole responsibility. You must ensure that all AI-Generated Content complies with the requirements of your Regulatory Authority, including but not limited to: the Insurance Authority's "Guidance on Use of Electronic Means for Insurance Distribution and Customer Servicing"; the SFC's "Code on Unit Trusts and Mutual Funds" and circulars on electronic marketing; HKMA guidelines on digital promotion; and any applicable requirements under the Insurance Ordinance (Cap. 41) and the Securities and Futures Ordinance (Cap. 571).
Pre-distribution review. You must review and approve all AI-Generated Content before distributing it to any prospective or existing client. You must not distribute AI-Generated Content that contains inaccurate information about any financial product, guarantee of returns, or other misleading statements.
Disclosure obligation. Where required by your Regulatory Authority or applicable law, you must disclose to recipients that the content was generated using AI technology.
Approval records. You should retain records of your review and approval of AI-Generated Content for distribution, in compliance with your regulatory obligations on record-keeping.

4.2 Our Role as Technology Provider

The Company provides AI content generation technology only. We are not a licensed insurance agency, financial advisory firm, or regulated entity under the Insurance Ordinance, the Securities and Futures Ordinance, or any other applicable financial services legislation. Accordingly:

AI-Generated Content produced by the Service does not constitute financial advice, insurance advice, investment recommendations, or regulated financial promotion;
We do not review, endorse, or approve the content of any promotional materials you create using the Service for regulatory compliance purposes;
We are not responsible for any regulatory investigation, penalty, or sanction arising from your distribution of AI-Generated Content; and
You shall indemnify and hold the Company harmless from any claim, liability, or regulatory action arising from your use of AI-Generated Content in connection with regulated financial or insurance activities.

4.3 Prohibited Content

You must not use the Service to generate content that:

Makes false, misleading, or deceptive representations about any financial product or service;
Guarantees investment returns or insurance benefits without regulatory basis;
Impersonates, mimics, or falsely attributes statements to any other person, including other agents, company representatives, or public figures;
Violates the applicable advertising and promotion standards of your Regulatory Authority;
Constitutes an unauthorised financial promotion under the Securities and Futures Ordinance or any other applicable law.

5. Intellectual Property Rights

5.1 Input Content. You retain ownership of all content you upload, including Biometric Data. The licence granted to us to process Biometric Data is limited to the purposes set out in Section 3.2 and the Biometric Data Consent Form.

5.2 AI-Generated Content Ownership. Subject to compliance with these Terms, AI-Generated Content produced in response to your specific instructions shall, to the extent permitted by Hong Kong law, vest in you. You may use such content for your permitted professional purposes as set out in Section 4. Any intellectual property issues arising from the AI-Generated Content shall be handled solely by you.

5.3 AI Model Integrity. You shall not use the Service or any AI-Generated Content to develop, train, or improve any competing AI model, or reverse engineer any component of the Service.

5.4 No Endorsement. Without our prior written consent, you shall not represent or imply that any AI-Generated Content has been endorsed, approved, or produced in collaboration with the Company for regulatory purposes.

6. Permitted Use and Restrictions

6.1 Permitted Use. Subject to these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your lawful professional purposes.

6.2 Prohibited Conduct. In addition to the content restrictions in Section 4.3, you must not:

Upload the biometric data (photographs or voice recordings) of any other person without their separate, explicit, and documented consent;
Use the Service to create AI-generated personas or synthetic identities that do not represent real, consenting individuals;
Use AI-Generated Content to conduct fraudulent financial promotions or engage in any form of market manipulation;
Use the Service in any manner that violates the PDPO, the Insurance Ordinance (Cap. 41), the Securities and Futures Ordinance (Cap. 571), or any other applicable law;
Attempt to reverse engineer or extract the underlying AI models, voice cloning algorithms, or facial synthesis systems;
Share your API credentials, account access, or Biometric Data processing rights with any third party.

7. Data Protection and Privacy

The collection, use, and protection of your Personal Data, including Biometric Data, is governed by our Privacy Policy, which is incorporated into these Terms by reference. The Company processes all Personal Data in accordance with the Personal Data (Privacy) Ordinance (Cap. 486) and the six Data Protection Principles (DPPs) set out in Schedule 1 thereto. Given the sensitive nature of Biometric Data, please review our Privacy Policy carefully, with particular attention to the sections on Biometric Data and Third-Party AI Processors.

8. Liability and Indemnification

8.1 Company Liability. TO THE FULLEST EXTENT PERMITTED BY HONG KONG LAW, THE COMPANY SHALL NOT BE LIABLE FOR: (a) ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES; (b) LOSS OF PROFITS, DATA, BUSINESS, OR GOODWILL; (c) REGULATORY SANCTIONS OR PENALTIES ARISING FROM YOUR USE OF AI-GENERATED CONTENT; (d) ANY CLAIM BY A THIRD PARTY RELATING TO AI-GENERATED CONTENT DISTRIBUTED BY YOU.

8.2 Aggregate Liability Cap. The Company's total aggregate liability to you for any claims arising under or in connection with these Terms shall not exceed the greater of: (a) fees paid by you in the three (3) months preceding the event giving rise to the claim; or (b) HKD 1,000.

8.3 Agent User Indemnification. You agree to indemnify and hold harmless the Company, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, regulatory fines, enforcement costs, and expenses (including reasonable legal fees) arising out of: (a) your use or distribution of AI-Generated Content in connection with regulated financial or insurance activities; (b) your breach of any regulatory requirement of your Regulatory Authority; (c) your upload of any third party's biometric data without proper consent; or (d) any inaccuracy or misrepresentation in AI-Generated Content distributed by you.

9. Termination

9.1 By User. You may terminate your account at any time. Termination does not affect your ongoing obligations under Sections 4, 5, 7, and 8.

9.2 By Company. The Company may immediately suspend or terminate your account if: (a) you breach any provision of these Terms, including the Biometric Data or financial promotion compliance provisions; (b) you use the Service to generate content that violates applicable law or regulatory requirements; (c) we receive a valid request from a Regulatory Authority; or (d) we become aware that you have uploaded another person's biometric data without consent.

9.3 Data on Termination. Upon account termination, your original Biometric Data will be deleted within 30 calendar days. Your AI-Generated Content will remain accessible for download for 14 days after termination, after which it will be deleted unless you have downloaded it.

10. Governing Law and Dispute Resolution

This Agreement shall be governed by and construed in accordance with the laws of Hong Kong. Any dispute, controversy or claim arising out of or in connection with this Agreement shall be referred to and finally resolved by arbitration administered by the Hong Kong International Arbitration Centre under its Arbitration Rules in force when the Notice of Arbitration is submitted. The seat of arbitration shall be Hong Kong. The arbitral tribunal shall consist of three arbitrators. The language of arbitration shall be English. The arbitral award shall be final and binding upon the parties.

11. General Provisions

11.1 These Terms, together with the Privacy Policy, the Biometric Data Consent Form, and any supplemental terms, constitute the entire agreement between you and the Company.

11.2 We may update these Terms at any time with 14 days' notice. Continued use constitutes acceptance.

11.3 If any provision is held invalid, the remaining provisions continue in full force.

12. Contact

For questions regarding these Terms or your Biometric Data:

Data Protection Officer: [dpo@sphere.com]

Legal: [legal@sphere.com]

Compliance (Regulatory): [compliance@sphere.com]

Address: [UNIT 1603,16/F WING ON CIR, 111 CONNAUGHT RD CENTRAL, HONG KONG]

第二部分 — 中文版本

用戶服務協議

本《用戶服務協議》（下稱「本協議」）規管您對【Sphere】（下稱「本公司」、「我們」）提供的AI驅動視頻及內容生成服務（下稱「服務」）的存取和使用。如您以持牌保險代理人、財務顧問或其他受監管金融專業人士（下稱「代理人用戶」）身份使用本服務，本協議中的額外條款亦適用於您。

一、定義

「服務」指本公司提供的AI平台，使代理人用戶能夠使用自身生物特徵數據生成AI視頻、推廣文案及宣傳內容。

「生物特徵數據」指您上載的面部照片、聲音錄音及任何其他用於生成AI合成視頻或音頻內容的生物特徵或行為特徵資料。

「AI生成內容」指服務根據您的輸入生成的視頻、音頻、圖片、文字或其他材料，包括含有您合成肖像和聲音的AI視頻。

「代理人用戶」指使用本服務生成推廣或客戶獲取材料的持牌保險代理人、財務顧問、按揭經紀或其他受監管金融專業人士。

「監管機構」指香港保險業監管局（「保監局」）、證券及期貨事務監察委員會（「證監會」）、香港金融管理局（「金管局」）或任何其他對代理人用戶的專業活動具有管轄權的主管監管機構。

二、資格及帳戶登記

您必須年滿18歲方可使用本服務。
代理人用戶必須持有適用監管機構就其使用本服務所開展的金融或保險活動所要求的所有有效牌照、登記及批准。
您須提供準確、完整的登記資料，並負責保管帳戶憑證的機密性。
企業用戶聲明接受本協議的個人有權代表該實體作出約束。

三、生物特徵數據——上載、同意及使用

⚠ 本條款規管您面部照片及聲音錄音的收集和處理，請在上載任何生物特徵數據前仔細閱讀。

3.1 單獨同意要求

在上載任何生物特徵數據之前，本公司將向您呈示單獨的獨立同意書（「生物特徵數據同意書」）。您接受本協議並不構成對生物特徵數據處理的同意。您必須單獨完成生物特徵數據同意書作為獨立步驟。該同意書將載明：

所收集生物特徵數據的確切類型（面部照片及聲音錄音）；
使用您生物特徵數據的具體目的（AI面部動畫合成及聲音克隆，以製作AI推廣視頻）；
將處理您生物特徵數據的任何第三方AI處理供應商的身份；
您原始生物特徵數據的保留期限；及
您的撤回同意權及相關後果。

3.2 生物特徵數據的許可用途

本公司僅將您的生物特徵數據用於以下目的：

按照您透過服務發出的指示，生成含有您面部肖像和聲音的AI合成視頻內容；
生成過程的質量保證及技術錯誤修正；
防止欺詐及驗證所上載生物特徵數據屬於已登記帳戶持有人。

本公司不會將您的生物特徵數據用於：本服務範圍以外的身份驗證、門禁系統、行為畫像、一般用途的AI模型訓練，或本條款及生物特徵數據同意書中未載明的任何其他目的。

3.3 您就生物特徵數據的聲明及保證

您上載生物特徵數據即聲明並保證：

所上載的照片及聲音錄音為您本人的照片及聲音，並非任何其他人士的肖像或聲音；
您是所上載生物特徵數據的唯一合法擁有人，且完全有權授權本公司按本協議所述方式處理該等數據；
按本協議設想使用您的生物特徵數據不會侵犯任何第三方的權利，包括肖像權、人格權或私隱權；及
您不會在未獲得當事人單獨、明確及有文件記錄的同意的情況下上載任何其他人士的生物特徵數據。

3.4 撤回同意

您可隨時向【dpo@sphere.com】提交書面要求，撤回對生物特徵數據處理的同意。本公司收到有效撤回要求後：

將在7個日曆日內停止對您原始生物特徵數據的一切進一步處理；
將在您提出撤回要求後30個日曆日內永久刪除您的原始面部照片及聲音錄音；
已使用您的生物特徵數據製作並儲存於您帳戶中的AI生成內容（視頻）將作為您的內容資產處理，不會被自動刪除——您可隨時透過帳戶設置刪除該等內容。為免產生歧義，一經製作，AI生成內容本身在本協議下不構成生物特徵數據；及
撤回同意不影響撤回前已進行的任何處理行為的合法性。

四、AI生成內容——金融推廣合規

⚠ 代理人用戶重要提示：本服務生成的AI內容不構成財務意見、投資建議或已獲批准的推廣材料。您有責任在分發前確保所有內容符合適用的監管要求。

4.1 代理人用戶的合規義務

如您是代理人用戶，並將AI生成內容用於客戶獲取、推廣或任何宣傳目的，您確認並同意：

監管合規是您的唯一責任。 您必須確保所有AI生成內容符合您的監管機構的要求，包括但不限於：保險業監管局《保險中介人網絡平台業務守則》及相關指引；證監會《單位信託及互惠基金守則》及電子推廣相關通告；金管局數字推廣指引；以及《保險條例》（第41章）和《證券及期貨條例》（第571章）的適用要求。
分發前審閱。 您必須在向任何潛在或現有客戶分發AI生成內容前審閱並批准該等內容。您不得分發任何包含不準確金融產品資訊、回報保證或其他具誤導性陳述的AI生成內容。
披露義務。 在您的監管機構或適用法律要求的情況下，您必須向接收者披露相關內容是使用AI技術生成的。
審批記錄。 您應按照監管機構的記錄保存義務，保留您對用於分發的AI生成內容進行審閱及批准的記錄。

4.2 本公司作為技術提供商的角色

本公司僅提供AI內容生成技術。本公司並非持牌保險代理機構、財務顧問公司，亦非《保險條例》、《證券及期貨條例》或任何其他適用金融服務法例下的受監管實體。因此：

本服務生成的AI內容不構成財務意見、保險意見、投資建議或受規管的金融推廣；
本公司不就您使用本服務創建的任何推廣材料進行監管合規審查、背書或批准；
本公司不對因您分發AI生成內容而引起的任何監管調查、罰款或制裁承擔責任；及
您須就因您在受監管金融或保險活動中使用AI生成內容而引起的任何索賠、責任或監管行動，對本公司作出彌償並使其免受損害。

4.3 禁止內容

您不得使用本服務生成以下內容：

就任何金融產品或服務作出虛假、誤導或欺騙性陳述；
在沒有監管依據的情況下保證投資回報或保險利益；
冒充、模仿或虛假歸因任何其他人士（包括其他代理人、公司代表或公眾人士）的陳述；
違反您的監管機構的廣告及推廣標準；
構成《證券及期貨條例》或任何其他適用法律下的未經授權金融推廣。

五、知識產權

5.1 輸入內容。 您保留所上載內容的所有權，包括生物特徵數據。授予本公司處理生物特徵數據的許可僅限於第3.2條及生物特徵數據同意書所述目的。

5.2 AI生成內容的所有權。 在遵守本協議的前提下，根據您的特定指示生成的AI生成內容，在香港法律允許的範圍內歸屬於您。您可將該等內容用於第4條所述的許可專業目的。由AI生成內容引發的任何知識產權問題，概由您自行處理。

5.3 AI模型完整性。 您不得使用本服務或任何AI生成內容開發、訓練或改善任何競爭性AI模型，亦不得對本服務的任何組件進行逆向工程。

5.4 禁止聲稱背書。 未經本公司事先書面同意，您不得聲稱或暗示任何AI生成內容已獲本公司批准、背書或就監管目的與本公司合作製作。

六、許可使用及限制

6.1 許可使用。在本協議規限下，本公司向您授予有限、非獨家、不可轉讓、可撤銷的許可，允許您為合法專業目的存取及使用本服務。

6.2 禁止行為。除第4.3條的內容限制外，您不得：

在未獲當事人單獨、明確及有文件記錄的同意的情況下，上載任何其他人士的生物特徵數據（照片或聲音錄音）；
使用本服務創建不代表真實、已同意個人的AI生成人物或合成身份；
使用AI生成內容進行欺詐性金融推廣或任何形式的市場操縱；
以違反私隱條例、《保險條例》（第41章）、《證券及期貨條例》（第571章）或任何其他適用法律的方式使用本服務；
嘗試對底層AI模型、聲音克隆算法或面部合成系統進行逆向工程或提取；
與任何第三方共享您的帳戶存取權限或生物特徵數據處理權限。

七、資料保護及私隱

您個人資料（包括生物特徵數據）的收集、使用及保護，受本公司的私隱政策規管，該政策通過引用納入本協議。本公司按照《個人資料（私隱）條例》（第486章）及其附表1所載的六項保障資料原則處理所有個人資料。鑑於生物特徵數據的敏感性，請仔細閱讀本公司的私隱政策，特別注意有關生物特徵數據及第三方AI處理商的章節。

八、責任及彌償

8.1 本公司的責任。 在香港法律許可的最大範圍內，本公司不對以下情況承擔責任：(a) 任何間接、附帶、特殊或後果性損害；(b) 利潤、數據、業務或商譽損失；(c) 因您使用AI生成內容而引起的監管制裁或罰款；(d) 任何第三方就您分發的AI生成內容提出的索賠。

8.2 總責任上限。 本公司就本協議引起或相關的任何索賠的總責任，不超過以下兩項中的較高者：(a) 您在引致索賠事件發生前三（3）個月內支付的費用；或 (b) 港幣1,000元。

8.3 代理人用戶彌償。 您同意就以下情況引起或相關的任何索賠、責任、損害、損失、監管罰款、執法費用及支出（包括合理律師費），對本公司及其高級職員、董事、僱員及代理人作出彌償並使其免受損害：(a) 您在受監管金融或保險活動中使用或分發AI生成內容；(b) 您違反監管機構的任何監管要求；(c) 您在未獲適當同意的情況下上載任何第三方的生物特徵數據；或 (d) 您分發的AI生成內容中的任何不準確陳述或虛假陳述。

九、終止

9.1 用戶終止。您可隨時終止帳戶。終止不影響您在第四、五、七及八條下的持續義務。

9.2 本公司終止。如出現以下情況，本公司可立即暫停或終止您的帳戶：(a) 您違反本協議的任何條款，包括生物特徵數據或金融推廣合規條款；(b) 您使用本服務生成違反適用法律或監管要求的內容；(c) 本公司收到監管機構的有效要求；或 (d) 本公司獲悉您未獲同意便上載他人的生物特徵數據。

9.3 終止後的數據處理。帳戶終止後，您的原始生物特徵數據將在30個日曆日內刪除。您的AI生成內容在終止後14天內仍可供下載，之後將被刪除（除非您已自行下載）。

十、管轄法律及爭議解決

本協議受香港特別行政區法律管轄並依其解釋。因本協議引起或與本協議有關的任何爭議、爭論或索賠（包括合同的存在、效力、解釋、履行、違約或終止），均應提交香港國際仲裁中心按照其屆時有效的仲裁規則進行仲裁。仲裁地為香港特別行政區。仲裁庭由三名仲裁員組成。仲裁語言為英文。仲裁裁決為終局裁決，對各方均具有約束力。

十一、一般條款

11.1 本協議連同私隱政策、生物特徵數據同意書及任何補充條款，構成您與本公司就服務達成的完整協議。

11.2 本公司可隨時在提前14天通知的情況下更新本協議。生效日期後繼續使用即表示接受。

11.3 若任何條款被裁定無效，其餘條款繼續完全有效。

十二、聯絡方式

如對本協議或您的生物特徵數據有任何疑問：

個人資料主任：【dpo@sphere.com】

法律：【legal@sphere.com】

合規（監管）：【compliance@sphere.com】

地址：【香港註冊地址】