消費者保護專區 Consumer Protection

金融監督管理委員會(稱金管會)為增進消費者權益保障，將和潤企業等融資租賃公司納入金融消費者保護法(下稱金保法)， 和潤本著關懷及善盡對客戶的權益保障，遵循金保法及相關子辦法規範。 To enhance consumer rights protection, the Financial Supervisory Commission (FSC) has included financing and leasing companies, such as Hotai Finance Corporation, under the Financial Consumer Protection Act (hereinafter referred to as the Act). Committed to protecting customer rights and interests, Hotai Finance Corporation complies with the Act and all applicable regulations.

公平合法的商品行銷與銷售 Fair Marketing and Sales Practices
配合金保法的施行、並加強客戶關係及隱私保護，明訂相關招攬行為及合約文件皆需依誠實信用原則及保護金融消費者精神，詳實揭露金融商品或服務內容涉及之利率與費用， 本公司商品與服務的設計、廣告、銷售與契約履行過程，皆恪守法律規範，並善盡客戶的權益保障。 To comply with the Act and strengthen customer relationships and privacy protection, the Company has expressly stipulated that all solicitation activities and contractual documents must adhere to the principle of good faith and the spirit of protecting financial consumers. The Company provides complete and accurate disclosure of the interest rates and fees associated with its financial products and services. Throughout the design, advertising, sales, and contract fulfillment of its products and services, the Company strictly complies with all applicable laws and regulations and is committed to protecting customer rights and interests.

客戶屬性與商品適配Know Your Customer (KYC) and Product Suitability
重視客戶權益，在客戶面與產品面上，建立「充分瞭解客戶(Know Your Customer，KYC)」之規範與流程， 依據客戶基本資料、財務背景、 購買金融商品之目的、經驗、風險偏好等，評估客戶之風險屬性，使客戶充分明白產品資訊、風險及自身權益，再提供相關建議。 The Company places great importance on protecting customer rights and interests. To this end, it has established Know Your Customer (KYC) policies and procedures covering both customer due diligence and product suitability assessment. By evaluating a customer's risk profile based on their basic information, financial background, financial needs and objectives, experience, and risk tolerance, the Company ensures that customers fully understand product information, associated risks, and their own rights before any product recommendations are provided.

為保障自身權益，切勿輕信、聯繫或點擊任何來路不明之一頁式廣告、社群或網址，也不要下載任何不明投資軟體。如發現有任何假冒本公司或轄下子公司、關係企業名義之情況，或對簡訊、社群、下載軟體及網址有任何疑慮，請立即撥打「反詐騙諮詢專線165」，或 To protect your rights and interests, please do not trust, respond to, contact, or click on any unknown or suspicious one-page advertisements, social media advertisements, links, or URLs. Furthermore, do not download any unverified investment-related applications. If you discover any instances of impersonation of the Company, its subsidiaries, or its affiliated enterprises, or if you have any concerns regarding SMS messages, social media posts, mobile applications, or URLs, please immediately call the 165 Anti-Fraud Hotline or 點此click here 了解反詐騙宣導相關資訊。 to learn more about fraud prevention resources.

若您有金融消費爭議問題，您可透過以下方式與我們聯絡，我們將竭誠為您服務！ Should you encounter any financial consumer dispute, you may contact us through the following channels. We will be pleased to assist you.

• 客服專線：(02)2276-1511，按【6(問題申訴)】再按【＊】 Customer Service Hotline: (02) 2276-1511,Press 6 for issue complaints, then press asterisk.
• 線上留言：Online Message: 請點此進行留言 click here

總費用年百分率(Annual Percentage Rate)，可簡稱為 APR，係指消費者依授信利率及相關費用標準計算之應付所有總費用率， 故除分期付款利率外，亦包含手續費/開辦費/服務費…等，但不含遲繳之滯納金、提前結清費用…等。本公司總費用率為 5%~18%，依每個人職業、收入、信用狀況而有所不同。
本公司分期付款採本利平均攤還方式計算，年利率依民法§205規定低於 16%，實際須依產品別而定。欲瞭解各產品別利率計算，可點選連結： The Annual Percentage Rate (APR) refers to the total cost of credit payable by the consumer, calculated based on the applicable interest rate and related fees and charges. Therefore, in addition to the installment interest rate, the APR includes handling fees, origination fees, service fees, and other applicable charges, but excludes late payment fees, early settlement fees, and other similar charges. The APR offered by the Company ranges from 0% to 20.3%, varying according to the individual's occupation, income, and credit profile.The Company's installment payments are structured using equal principal and interest installments, graduated repayment plans, or other methods. In accordance with Article 205 of the Civil Code, the annual interest rate may not exceed 16%. The actual repayment method shall be subject to the mutual agreement specified in the "Installment Sales Contract" or the "Assignment of Claims and Repayment Agreement," and may vary depending on the product. To learn more about interest calculations for specific products, please click the following links: 汽車分期 Car/Vehicle Installment 、 重機分期 Heavy Motorcycle Installment 、 機車分期 Installment Loan for Motorcycles 、 原車融資 Refinance Installment 、 商品分期 Commodities Installment 。

本公司各項服務手續費 Please 請點此 click here 參考。to view the handling fees for the Company's various services.