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What HK JINXIANG INTERNATIONAL LIMITED legally published, but does not want you to read

Every clause below is published by HK JINXIANG INTERNATIONAL LIMITED itself, on its own website, today. The finding is not that the text exists. It is the distance between what a client is shown and what a client agreed to. Read from its own documents on .

Contracting entity: HK JINXIANG INTERNATIONAL LIMITED

hidden feeprofit voidingsole discretiondeemed acceptanceunilateral amendmentwithdrawalskyc freezemarketing claimaccount freezeaccount limits

HK Jinxiang's client agreement is silent on every number that costs you money. The real fee list sits on a trading rules page, outside the documents you accept: a withdrawal costs 6% if you have not traded enough. A trade closed inside 180 seconds can freeze your account for three months and cost the profit in it. The fund safety page calls your money absolutely safe, while the disclaimer says you rank as an unsecured creditor.

Back to HK JINXIANG INTERNATIONAL LIMITED

Contract risk

Money at risk
8.5/10

Where this contract sitsHow far this contract goes, overall. Under 2 is nothing beyond the ordinary; 6 to 9 means several clauses put money you have already earned at risk; 9 and above reads as designed to make payout refusable.

0510
CriticalClauses that can cost you money you have already earned or deposited, or that remove your ability to challenge it.
7
FlaggedEvery clause worth knowing about, at all three severities. Ordinary terms that every broker has are not counted.
19
DocumentsHow many of the broker's own legal files this reading is based on. Each one was downloaded and hashed on the date shown.
10
ContradictionsPlaces where a promise the broker makes in public is not kept by the clause that governs it.
5

How the 19 break downThe same flagged clauses, split by how much each one can cost you. Severity is our reading of the clause, not the broker's label.

Critical7
Warning11
Notice1

section 30 of 34is where the deepest clause sits, 88% of the way into the document it is in

The numbers in this contractFigures taken from this broker's own clauses, so the labels differ from broker to broker. The four in the panel above are the same on every report.

3 of these 4 figures come from a clause we rate critical, which means it can take your money or your profit rather than only delay it.

Critical6%Profit at risk. Jump to the clause this comes from.Close a trade inside 180 seconds and lose the profitCritical6%Fee you were not shown. Jump to the clause this comes from.A 6% withdrawal fee if you have not traded enoughCritical2 working daysTime to complain. Jump to the clause this comes from.Two working days to object to a statement$3Bonus requirement. Jump to the clause this comes from.Withdraw early and the bonus goes without notice

What the documents say

19 clauses worth knowing about, worst first, each quoted from HK JINXIANG INTERNATIONAL LIMITED's own files

01

Close a position within 180 seconds of opening it and HK Jinxiang can treat the trade as abnormal. Its trading rules then freeze the account for three months while it reviews. If the review period ends in profit, it takes all of that profit and 6% of your withdrawal.

Why this matters

Your money and your open positions sit frozen for three months while HK Jinxiang reviews, and you cannot trade or withdraw. If the review finds against you, HK Jinxiang deducts every profit from that period and charges 6% of your withdrawal.

Exhibit 1CriticalRarely seen6%

于180秒或以内完成开仓平仓活动；
Clause 11 in 交易规则
Read from the broker's site on Open the reference
Our own capture of lovgold.com, taken on Oct 16, 2026Close a trade inside 180 seconds and lose the profit (clause 11)Visit this page on the broker's siteDownload the full size image file

What it costsA review period that ends $2,000 up pays out none of that $2,000. On a $5,000 withdrawal, a further $300 goes as the 6% charge.

Our readingThe penalty runs on a timetable rather than on the trades it objects to. HK Jinxiang freezes the whole account for a fixed three months, and the deduction then covers all profit in the review period, not only the fast trades that triggered it. A jump in size from 0.01 lots to 5 lots is listed as a trigger in the same rule.

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
Trade closed inside 180 secondsHK Jinxiang's risk control team opens a review of the account.11
During the reviewThe account is frozen for three months, with no trading on it.11
Losses of 6% or more of principalNo deduction. HK Jinxiang pays the withdrawal in full.11.1
Losses under 6% of principalHK Jinxiang charges 6% of the withdrawal amount.11.2
Review period in profitHK Jinxiang deducts all the profit and charges 6% of the withdrawal.11.3
  • Worse together with Exhibit 5Two separate rulebooks cover the same trading, and each lets HK Jinxiang decide alone what counts as abnormal.
02

Deposit money, trade little or not at all, and 6% of your withdrawal goes to HK Jinxiang as a remittance fee. The test sits on a trading rules page: traded volume worth less than half of what you paid in. The client agreement you accept never mentions this fee.

Why this matters

Changing your mind costs you 6% of your own deposit. The same 6% applies to every withdrawal after the second one on any trading day.

Exhibit 2CriticalHarder than usual6%

客户申请首次取款时之交易量对应保证金少于注资金额的50%（或完全没有进行过交易），或在一个取款审核周期内交易量对应保证金少于该周期内注资金额的50%（或完全没有进行过交易），本公司将收取取款金额之6%作为汇款手续费。
Clause 2.Ⅴ in 交易规则
Read from the broker's site on Open the reference
Our own capture of lovgold.com, taken on Oct 16, 2026A 6% withdrawal fee if you have not traded enough (clause 2.Ⅴ)Visit this page on the broker's siteDownload the full size image file

What it costsDeposit $1,000, decide not to trade, and ask for it back. HK Jinxiang keeps $60 and returns $940.

Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA and CySEC must give a retail client the costs and charges of a service before they trade, in one place. HK Jinxiang puts this fee on a trading rules page under the trading menu, and the agreement you tick at signup is silent on it.

HK JINXIANG INTERNATIONAL LIMITED is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

  • Worse together with Exhibit 4The fee is charged on a payout that no clause obliges HK Jinxiang to make by any date.
03

HK Jinxiang's fund safety page says your money is kept apart from company money and is absolutely safe. Its own disclaimer says the opposite. If the company goes under, you rank as an unsecured creditor, paid after the priority claims.

Why this matters

Your deposit is a debt the company owes you, not property it is holding for you. If HK Jinxiang fails, you join the queue behind whoever is paid first.

Exhibit 3CriticalStandard wording

客户跟金祥国际进行的交易并不是在交易所进行。一旦金祥国际破产，客户向金祥国际追回有关存入资金或在交易赚取的利益，可能不会得到优先偿还权。
Clause 7 in 免责声明
Read from the broker's site on Open the reference
Our own capture of lovgold.com, taken on Oct 16, 2026The claim, on Fund safety page, 账目清晰 panelVisit this page on the broker's siteDownload the full size image file
Our own capture of lovgold.com, taken on Oct 16, 2026What the contract says, clause 7Visit this page on the broker's siteDownload the full size image file
Our own capture of lovgold.com, taken on Oct 16, 2026Funds called absolutely safe, unsecured in the contract (clause 7)Visit this page on the broker's siteDownload the full size image file
Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA and CySEC must hold retail client money separately from their own under rules a regulator checks, and clients of a failed firm may be able to claim from a compensation scheme. HK Jinxiang names no regulator and no compensation scheme.

HK JINXIANG INTERNATIONAL LIMITED is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

04

No clause in the client agreement gives HK Jinxiang a deadline to pay you. Clause 9.9 goes further and stops you holding the company responsible for a late payout. Clause 9.10 lets it refuse a withdrawal it thinks may breach a rule, and keeps the final word on what the rule means.

Why this matters

You have no date to point to and no remedy to use if your money does not arrive. HK Jinxiang decides whether the payout goes out, and decides what its own rule means.

Exhibit 4CriticalHarder than usual

客户不得因金祥国际未能及时满足其提款要求，而向金祥国际追究任何责任。
Clause 9.9 in 客户协议书 CLIENT AGREEMENT
Read from the broker's site on Open the reference
Our own capture of lovgold.com, taken on Oct 16, 2026The claim, on Fund safety page, 取款快捷 panelVisit this page on the broker's siteDownload the full size image file
Our own capture of lovgold.com, taken on Oct 16, 2026What the contract says, clause 9.9Visit this page on the broker's siteDownload the full size image file

Where it sits: section 13 of 34 in the 客户协议书 CLIENT AGREEMENT, 38% of the way through.

05

A supplement added to the user agreement since August 2025 lets HK Jinxiang roll back, deduct or freeze the gains from any trading its own risk system calls arbitrage. It can do this without telling you first. It can also freeze the assets in your account while it checks.

Why this matters

Profit you have already made can be reversed on a decision you cannot see and cannot appeal. The supplement says your intention is not the deciding test, and the platform holds the final word on what its own finding means.

Exhibit 5CriticalRarely seenNew

调整、取消相关交易订单，或对异常交易产生的收益进行回滚、扣除或冻结；
Clause 三.2 in 套利用户协议补充说明
Read from the broker's site on Archived copyOpen the reference
Our own capture of lovgold.com, taken on Oct 16, 2026New arbitrage rules let the platform roll back your gains (clause 三.2)Visit this page on the broker's siteDownload the full size image file

Our readingThe trigger is the platform's own risk model, and the document states that a user's intent is not the sole standard for judging. Gains can be rolled back on a pattern the client was never given a definition of, including profiting from the platform's own system latency or risk control gaps.

  • Worse together with Exhibit 13The supplement arrived with no notice of any kind, and clause 26.1 made it binding on you the moment it was posted.
06

You get two working days to object in writing to a statement or a trade confirmation. Miss that and clause 12.3 makes it final and binding on you. The clock starts when HK Jinxiang posts the information on its platform, not when you read it.

Why this matters

A wrong price or a missing trade becomes your agreement after two working days of silence. You do not have to have seen the statement for the clock to run.

Exhibit 6CriticalHarder than usual2 working days

在没有明显错误的情况下，账户及账单对客户具有最终约束力，除非客户在收到金祥国际交易平台或其他方式送达报表的两个工作日内以书面形式作出反对。
Clause 12.3 in 客户协议书 CLIENT AGREEMENT
Read from the broker's site on Open the reference
Our own capture of lovgold.com, taken on Oct 16, 2026Two working days to object to a statement (clause 12.3)Visit this page on the broker's siteDownload the full size image file

Where it sits: section 16 of 34 in the 客户协议书 CLIENT AGREEMENT, 47% of the way through.

Set against a regulated standard: FCA (UK), CySEC (Cyprus)

Firms licensed by the FCA and CySEC must run a complaints procedure and point a retail client to an independent ombudsman, who will take a case months after the event. This contract closes the question in two working days and names no outside body.

HK JINXIANG INTERNATIONAL LIMITED is not licensed by these regulators, so this is a comparison of practice, not a finding of any breach.

  • Worse together with Exhibit 8You have two working days to object, and the only evidence the contract recognises in that objection is HK Jinxiang's own record.

The fees that decide what you take home are not in the contract you accept

A 6% charge on a withdrawal and 10% kept from a third party deposit both live on HK Jinxiang's trading rules page. The client agreement you tick names five fees and prices none of them. It also lets HK Jinxiang charge commission without telling you.

Cost disclosure3 clauses flagged

Pay in from a bank account that is not yours and HK Jinxiang keeps 10% of it as operating cost before sending the rest back. If you have already traded, it also cancels every trade and every promotion from that deposit onward.

Why this matters

A payment from your husband, wife or parent costs you a tenth of it, even on an account that never traded. The deposit page tells you third party payments are not accepted and says nothing about the 10%.

Exhibit 7CriticalRarely seen10%

若客户账户从未进行任何交易，香港金祥国际将所有第三方存款扣除10%作为合理营运成本后，将其余额退回入款银行账户中；
Clause 1.Ⅴ.1 in 交易规则
Read from the broker's site on Open the reference
Our own capture of lovgold.com, taken on Oct 16, 202610% kept from a deposit paid by someone else (clause 1.Ⅴ.1)Visit this page on the broker's siteDownload the full size image file

What it costsA $1,000 payment from a relative's account, on an account that never traded, comes back as $900. HK Jinxiang keeps $100.

Our readingReturning a third party payment to its source is ordinary practice. Keeping a tenth of it, on an account that has never traded, prices the refusal as a percentage of the money rather than as the cost of sending it back.

Five charges are named in clause 11.1 and priced nowhere: a handling fee, a statement fee, an inactive account fee, an order cancellation fee and a transfer fee. HK Jinxiang can also charge you commission without notice, under the same clause.

Why this matters

Money can leave your balance in an amount you cannot look up anywhere on the site. Nothing in the agreement makes HK Jinxiang tell you what it took or why.

Exhibit 10WarningHarder than usual

客户使用本协议项下的服务须向金祥国际支付佣金、费用（包括但不限于手续费、报表费、闲置账户费、指令取消费、转账费和其他费用）及收费（包括但不限于由银行、监管机构或自律组织征收的费用）。
Clause 11.1 in 客户协议书 CLIENT AGREEMENT
Read from the broker's site on Open the reference

Where it sits: section 15 of 34 in the 客户协议书 CLIENT AGREEMENT, 44% of the way through.

Deposits in any currency other than US dollars are converted by HK Jinxiang at a market rate it publishes weekly and decides itself. Clause 9.2 lets it pick the form and the timing of the conversion, and clause 9.3 puts the exchange rate difference on you.

Why this matters

Every renminbi or Hong Kong dollar you pay in, and take back out, passes through a rate you cannot check against the market. The gap between that rate and the real one costs you money and never appears as a fee.

Exhibit 11WarningHarder than usual

本公司指定账户货币为美元，其他货币的存款，均由本公司以每星期公布的市场汇率(由本公司决定)兑换成美元。
Clause 注意事项3 in 资金存取
Read from the broker's site on Open the reference
Our own capture of lovgold.com, taken on Oct 16, 2026The claim, on FAQ, 账户问题 item 7Visit this page on the broker's siteDownload the full size image file
Our own capture of lovgold.com, taken on Oct 16, 2026What the contract says, clause 9.3Visit this page on the broker's siteDownload the full size image file

Where it sits: section 13 of 34 in the 资金存取, 38% of the way through.

Three separate rules let HK Jinxiang take back what you made

A trade closed inside 180 seconds can put your account under review for three months. A review that finds against you costs all the profit in that period, plus 6% of the withdrawal. A supplement added since August 2025 lets HK Jinxiang roll back gains its own risk model calls arbitrage.

Profit at risk1 clause flagged

Hold or operate more than one account and clause 2.2 lets HK Jinxiang cancel the accounts, force close every position and cancel the profits on those trades. The same clause covers opening an account with documents that are not yours.

Why this matters

You agree in advance not to ask for any of it back. The clause ends with your promise not to pursue HK Jinxiang for liability or compensation.

Exhibit 9WarningStandard wording1

如发现客户用虚假身份证件或非本人之证件开立账户，如同一人同时持有或操作多个账户，金祥国际保留取消该客户账户和指令的权利，包括将所有账户的未平仓头寸强制平仓，以及取消有关交易之盈利。
Clause 2.2 in 客户协议书 CLIENT AGREEMENT
Read from the broker's site on Open the reference

Where it sits: section 6 of 34 in the 客户协议书 CLIENT AGREEMENT, near the start.

  • Worse together with Exhibit 1Trading from one device on several accounts is also listed as abnormal trading, which brings the three month freeze into play.

A withdrawal before the lots are done takes the bonus back

HK Jinxiang's campaign for February and March 2026 credited $3 for each standard lot traded, up to the bonus promised. Withdraw before the required lots are complete and the bonus is deducted with no special notice. The trading rules also give HK Jinxiang the final say on who gets a promotion and how much.

Bonus conditions1 clause flagged

HK Jinxiang's campaign for February and March 2026 credited $3 for each standard lot traded, up to the bonus promised. Withdraw before you finish the required lots and the bonus is deducted, with no special notice, and the campaign ends for you.

Why this matters

Collecting a $100 bonus on a $200 deposit means trading about 33 standard lots. The page says in one line that your earned bonus stays and in another that it is deducted, so you cannot tell which applies to you.

Exhibit 16WarningHarder than usual$3

对于赠金，客户若在未完成规定手数前产生取款，赠金将被扣除（扣除时不作特别通知），同时终止此次活动，取消待领取的交易赠金。
Clause 注意事项2 in 金祥国际新春赠金活动
Read from the broker's site on Open the reference

What it costsA $200 deposit is offered a $100 bonus at $3 a standard lot. That is about 33 lots, and at the $50 spread a lot on London gold those trades cost around $1,650.

HK Jinxiang can change the terms without notice, and the country rules disagree

Changes to the agreement bind you the moment HK Jinxiang posts them, under clause 26.1, with no notice period and no version date on the page. A sixth prohibition appeared in clause 22 between August 2025 and March 2026. The warranty you sign and the site footer name different countries it will not serve.

Control of the account2 clauses flagged

HK Jinxiang can rewrite the agreement and publish it on the site, and clause 26.1 binds you from the moment it appears. Clause 7.5 says revisions take effect and are accepted on publication. Checking for them is your job under clause 2.3.

Why this matters

You are bound by wording you have never seen, from the day it is posted. A sixth prohibition appeared in clause 22 between August 2025 and March 2026, and the page carries no version number or date to show it.

Exhibit 13WarningHarder than usual

金祥国际保留不时修订本协议、并通过网站公布的方式进行公告的权利。客户应不时浏览及关注有关条款之更新时间及更新内容，并同意一经公布即受其约束。
Clause 26.1 in 客户协议书 CLIENT AGREEMENT
Read from the broker's site on Open the reference

Buried at section 30 of 34 in the 客户协议书 CLIENT AGREEMENT, 88% of the way through.

You promise in clause 7.3 that you are not a resident of the United States, Taiwan or certain jurisdictions the agreement never names. The site footer gives a different list: the United States, Singapore, North Korea and Iran.

Why this matters

A resident of Taiwan or Singapore cannot tell which rule applies to them. Signing a promise that is not true breaches the agreement, and clause 13 turns a breach into a default.

Exhibit 18WarningHarder than usual

客户非美国、台湾或某些司法管辖区的居民。
Clause 7.3 in 客户协议书 CLIENT AGREEMENT
Read from the broker's site on Open the reference
Our own capture of lovgold.com, taken on Oct 16, 2026The claim, on Site footer disclaimer, licence pageVisit this page on the broker's siteDownload the full size image file
Our own capture of lovgold.com, taken on Oct 16, 2026What the contract says, clause 7.3Visit this page on the broker's siteDownload the full size image file

Where it sits: section 11 of 34 in the 客户协议书 CLIENT AGREEMENT, 32% of the way through.

You have two working days, and the firm's own records settle it

Two working days is all clause 12.3 gives you to object to a statement. The clock runs from when HK Jinxiang posts it on the platform, not when you read it. After that the statement is final, and in any dispute about a trade the company's own system records decide.

Time to object1 clause flagged

If you question a trade, clause 23.3 settles it on HK Jinxiang's own system records and gives the company the final right of interpretation and decision. Clause 8.4 does the same for the price you were filled at.

Why this matters

The party you are arguing with owns the only evidence the contract recognises. Your screenshots and your order tickets have no standing here.

Exhibit 8WarningHarder than usual

若客户对任何交易有异议，将以金祥国际的交易系统记录为准，金祥国际保留最终解释权和决定权。
Clause 23.3 in 客户协议书 CLIENT AGREEMENT
Read from the broker's site on Open the reference

Buried at section 27 of 34 in the 客户协议书 CLIENT AGREEMENT, 79% of the way through.

The agreement names a company the licence page does not

The opening clause of the client agreement names 金祥国际有限公司 as the party you contract with. The title of the same document, the footer and the licence page name 香港金祥国际有限公司, HK JINXIANG INTERNATIONAL LIMITED. Clause 19 then lets the company pass its rights and duties to anyone, without asking you.

Who you contract with1 clause flagged

The party you contract with, in the agreement's opening clause, is 金祥国际有限公司 (Jinxiang International Limited). The title of that same document, the footer and the licence page name 香港金祥国际有限公司, HK JINXIANG INTERNATIONAL LIMITED, registration number 3239132.

Why this matters

A claim goes against the company named in the contract, so you need to know which of the two holds your money. Clause 19 then lets HK Jinxiang hand its rights and duties to anyone without asking you, while you may not transfer yours.

Exhibit 17WarningHarder than usual

（1）金祥国际有限公司(以下简称“金祥国际”、“公司”)及
Clause preamble in 客户协议书 CLIENT AGREEMENT
Read from the broker's site on Open the reference

Buried at section 23 of 34 in the 客户协议书 CLIENT AGREEMENT, 68% of the way through.

Proof of your funds is judged by HK Jinxiang alone, at any time

Clause 9.5 lets HK Jinxiang freeze your account immediately where proof of where your money came from does not satisfy it. No deadline limits that freeze. Clause 7.9 also keeps the final decision on whether to accept a change to your own personal details.

Documents on demand1 clause flagged

HK Jinxiang can ask you to prove where your money came from at any time. If the proof does not satisfy it, clause 9.5 lets it freeze your account immediately and report you. No deadline limits the freeze and no appeal is offered.

Why this matters

Your balance can sit frozen while a standard you have never seen is applied to your paperwork. Withdrawals go to one bank account in your own name, so a closed bank account leaves you with no exit.

Exhibit 14WarningHarder than usual

若客户未能提供金祥国际可接受或满意之证明，金祥国际有权即时冻结客户账户，并依法通知有关监管机构。
Clause 9.5 in 客户协议书 CLIENT AGREEMENT
Read from the broker's site on Open the reference

Where it sits: section 13 of 34 in the 客户协议书 CLIENT AGREEMENT, 38% of the way through.

The company handling your trade may also be your counterparty

HK Jinxiang's risk statement says the firm processing your trade may be the other side of it, and its client notice repeats that. Clause 8.4 makes the company's own system the final record of the price you got. The marketing pages do not mention either point.

In plain words

On a principal basis, as your counterparty, means the broker takes the other side of your trade itself. Your loss is then the firm’s gain, so it has an interest in how your trade ends.

Who is on the other side1 clause flagged

HK Jinxiang's own risk statement says the company handling your trade may also be your counterparty, which raises your risk. Its client notice repeats it. None of the marketing pages mention it.

Why this matters

When the firm takes the other side, your loss can be its gain. No document names an outside price source, and clause 8.4 makes HK Jinxiang's own system the final word on the price you got.

Exhibit 15WarningStandard wording

由于处理客户交易的公司可能同时是客户的交易对手，从而增加客户的投资风险。
Clause 4 in 风险声明
Read from the broker's site on Open the reference

An inactive account fee exists with no amount attached

An inactive account fee is one of five charges clause 11.1 says you owe HK Jinxiang. No document says how long an account must sit idle, what the fee is, or whether it stops when the balance runs out. Clause 11.3 binds you to the figure once it is published.

Dormant accounts1 clause flagged

An inactive account fee is one of the charges clause 11.1 says you owe. No document on the site says how long an account must sit idle, how much the fee is, or whether it stops when the balance runs out.

Why this matters

You cannot work out what leaving money in a dormant account costs you. HK Jinxiang sets the figure later, and clause 11.3 binds you to it once it is published.

Exhibit 12WarningHarder than usual

客户使用本协议项下的服务须向金祥国际支付佣金、费用（包括但不限于手续费、报表费、闲置账户费、指令取消费、转账费和其他费用）
Clause 11.1 in 客户协议书 CLIENT AGREEMENT
Read from the broker's site on Open the reference

Where it sits: section 15 of 34 in the 客户协议书 CLIENT AGREEMENT, 44% of the way through.

No financial regulator is named in any of the nine documents

Nine legal documents are published across two parts of HK Jinxiang's site, and none names a financial regulator, a licence number or a compensation scheme. The risk statement says over the counter trading is generally less regulated. The arbitrage supplement is missing from the legal page's own tab row.

What the papers show1 clause flagged

None of the nine legal documents you accept names a financial regulator, a licence number or a compensation scheme. The risk statement tells you instead that over the counter trading is generally less regulated. Four of the nine are linked only from the site footer.

Why this matters

If something goes wrong, your contract points you to nobody outside the company. Clause 1.1 also makes documents you have not read part of what you agree to, including the account opening form and any supplement published later.

Exhibit 19Notice

金祥国际有权在某些特定司法管辖区开展场外交易，场外交易一般受到较少监管或由独立监管团体/自律组织负责监管。
Clause 4 in 风险声明
Read from the broker's site on Open the reference

Where it sits: section 5 of 34 in the 风险声明, near the start.

Where the marketing and the contract disagree

A promise made in public, set against the clause that governs it

01

The fund safety page guarantees absolute safety while the disclaimer says you may rank behind the priority claims if the company fails.

Said in public, in Chinese

金祥国际将客户个人资金与公司的营运资金分开存放，提高客户资金存放的透明度，存款和取款都在香港持牌银行进行，保障客户资金绝对安全。

Word for word in English: Jinxiang International keeps clients' personal funds separate from the company's operating funds, improving the transparency of where client money is held. Deposits and withdrawals are both carried out at licensed Hong Kong banks, guaranteeing that client funds are absolutely safe.

Fund safety page, 账目清晰 panel

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of lovgold.com

In the contract · clause 7

一旦金祥国际破产，客户向金祥国际追回有关存入资金或在交易赚取的利益，可能不会得到优先偿还权。

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of lovgold.com

02

The marketing puts a two hour figure on a payout the contract gives no deadline for and no remedy against.

Said in public, in Chinese

取款最快2小时到账，公司通过手机短信通知客户取款情况，以确保客户资金的安全性。

Word for word in English: Withdrawals arrive in as little as 2 hours, and the company notifies clients of the withdrawal status by text message, to ensure the safety of client funds.

Fund safety page, 取款快捷 panel

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In the contract · clause 9.9

客户不得因金祥国际未能及时满足其提款要求，而向金祥国际追究任何责任。

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of lovgold.com

03

The rules table advertises zero commission while the agreement lets the company charge commission without telling you.

Said in public, in Chinese

免收佣金（0佣金）

Word for word in English: No commission charged (0 commission)

Trading rules page, 金银交易规则 table, 佣金 row

In the contract · clause 11.1

金祥国际可能无需通知而收取佣金、费用或收费。

04

The FAQ promises no charge on currency conversion while the agreement puts the exchange rate difference on the client.

Said in public, in Chinese

我们账户的指定交易货币为美元，若客户以人民币存取款项，均参考本公司公布的市场汇率作兑换。汇率价格公平公开，本公司绝不收取任何费用。

Word for word in English: Our designated trading currency is the US dollar. If a client deposits or withdraws in renminbi, conversion follows the market rate the company publishes. The rate is fair and open, and the company never charges any fee.

FAQ, 账户问题 item 7

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In the contract · clause 9.3

汇款过程涉及的费用（包括银行手续费、汇率差价和其他相关费用）均由客户承担。

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of lovgold.com

05

The footer and the warranty you sign name different countries, and neither list matches the other on Taiwan or Singapore.

Said in public, in Chinese

本官网相关信息不适用于来自美国、新加坡、朝鲜及伊朗居民或本公司客户，利用上述地区的相关信息进行交易，或由此国家或司法管辖区的任何人使用，如果使用将违反当地法律和法规。

Word for word in English: The information on this official site does not apply to residents or clients from the United States, Singapore, North Korea and Iran, nor to trading on that information from those places, and use by anyone in those countries or jurisdictions would breach local laws and regulations.

Site footer disclaimer, licence page

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In the contract · clause 7.3

客户非美国、台湾或某些司法管辖区的居民。

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of lovgold.com

What changed quietly

This is our first reading of HK Jinxiang, so there is nothing to compare it against.

  • ADDEDClause 22.6 · 2025-08-07 to 2026-03-14

    A sixth prohibition was added to clause 22, aimed at long term arbitrage using rules, legal gaps or information asymmetry.

    拒绝利用市场及跨市场规则、法律漏洞或信息不对称，以不正当手段获取利益进行长期违规套利。

  • ADDEDClause footer · 2025-08-07 to 2026-03-14

    The supplementary agreement was added to the footer in the same window, turning three linked legal documents into four.

    用户协议 | 补充协议 | 免责声明 | 隐私条款

The documents this reading is based on

10 files, all published by HK JINXIANG INTERNATIONAL LIMITED. Each shows when we read it and a fingerprint of its wording.

WIKILIX keeps the copy of each file it read, and does not republish it: what is published is the fingerprint of its wording. Download the file yourself and hash its text, lowercased with runs of whitespace collapsed, and a matching fingerprint means the wording quoted above is still the wording HK JINXIANG INTERNATIONAL LIMITED publishes.

How this reading was done

Every clause above was read out of a document HK JINXIANG INTERNATIONAL LIMITED publishes itself

This reading was published on .

Documents
10 of 10downloaded from the broker's site, and 10 read in full
Pages opened
24pages walked to find those documents, footer links included
Older copies
2earlier versions downloaded, 1 identical to the copy we hold by fingerprint
Marketing pages
5public pages set against what the contract says
Position measured
12clauses whose position was counted: which numbered section of the document holds them, out of how many

Who the contract is with

HK JINXIANG INTERNATIONAL LIMITED

The client agreement is headed 香港金祥国际有限公司, HK JINXIANG INTERNATIONAL LIMITED, and the footer gives Hong Kong registration number 3239132 at 93-103 Wing Lok Street, Sheung Wan. The agreement's own operative clause names a different company: 金祥国际有限公司, without 香港. Hong Kong law governs and the Hong Kong courts have exclusive jurisdiction, and clause 19 lets the company pass its rights and duties to anyone without asking you. No document names a financial regulator or a compensation scheme; the licence page points to membership number 129 of the Hong Kong gold exchange.

Quotations are copied verbatim from the documents named above, with the clause number and the page each one came from. Where a clause is quoted in another language, the original is shown first and the English is a translation.

The plain-language parts, what a clause means for a client, how ordinary it is, and how it reads against a regulated standard, are WIKILIX's analysis and are labelled as such on every card. This is a reading of public documents, not legal advice and not an allegation of wrongdoing.

In fairness, and what we could not check

A reader who knows the edges of the work can trust the middle of it

HK Jinxiang publishes things many bullion dealers leave out. Its disclaimer states plainly that a client ranks as an unsecured creditor if the company fails, and its risk statement admits the firm handling your trade may be the other side of it. The trading rules page carries real numbers: a 30% stop out level, a $50 spread a lot on London gold, and the overnight interest for both directions. Clause 22.4 limits a deduction for suspected manipulation to the profit from that activity rather than the whole balance, and the abnormal trading rule pays a withdrawal in full where losses already reached 6% of principal.

We read all nine legal documents and the February 2026 bonus page on HK Jinxiang's own site. Only the client agreement has earlier copies available anywhere, so for the other eight we cannot say when the wording last changed. None of them carries a version number or a date of last change. The account area at lovgoldcn.com sits behind a login, so we did not see the deposit and withdrawal screens a client is shown. Every document is in Chinese, and the English beside each quotation is our own rendering.

How to check any of this yourself

Every quote above links to the HK JINXIANG INTERNATIONAL LIMITED file it came from. This is what to do with it.

Open the three stepsFind the words in the source, work out the fingerprint, and read what a difference does and does not prove.

Open the source and search for the words

Every quote has a link under it. Open the file, or the web page, and search it for the words we quote. The clause number next to the quote tells you where to look.

If the words are not there any more, the source may have changed after we read it. That is worth knowing too. We keep the date we read it, and a code worked out from its wording, so the quote stays checkable.

What a fingerprint is

A fingerprint is a code worked out from what a source says. Change one word and the code changes completely. We keep two codes for every file we read, and the panel on each source shows both.

The first is the code of the exact file we downloaded. The second is the code of its wording alone, with capital letters lowered and runs of spaces collapsed. When the same words are saved as a new file, the first code changes and the second one stays the same.

Only the first code can be worked out on your own computer. Save the file, then run one of these, putting the name of the file you saved where the example is. The panel on each source prints the command with that source's real file name already in it.

macOS or Linux:
  shasum -a 256 the-file-you-saved.pdf

Windows:
  certutil -hashfile the-file-you-saved.pdf SHA256

The two codes are different from each other, and they are not meant to match. Comparing one against the other proves nothing.

What a difference means, and what it does not

A different file code on its own proves nothing. A PDF saved again with a new date inside it is a new file saying exactly the same thing.

A different wording code means the words themselves changed. That is the one that matters, and it is why we keep it.

Even then, a change is not proof of bad faith. Companies update their documents. What this report says is what the document said on the day we read it, and every quote carries that date.

A source that is a web page and not a file has no file to save, so only the code of its wording is shown.

How this report is made

Every clause quoted above comes from a document HK JINXIANG INTERNATIONAL LIMITED publishes on its own website, downloaded and hashed on the date shown, with the clause number and page recorded so any reader can check it. We do not allege anything the documents do not say, and we do not judge HK JINXIANG INTERNATIONAL LIMITED on anything other than its own published terms and its own public marketing. Where a clause has a qualifier that softens it, the report says so. Last read Oct 16, 2026.

If you represent HK JINXIANG INTERNATIONAL LIMITED and a clause has changed, been withdrawn, or is being read out of context, tell us and we will re-read the documents and update this page. Corrections from the broker are welcome and are published with the reading they change. Contact us.

This is a reading of a contract, not legal advice and not a ruling on HK JINXIANG INTERNATIONAL LIMITED. Whether its licence is real and current is a separate check on the broker profile.

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