本服务协议的双方是中国银联(以下简称“银联”)及希望注册成为银联用户的持卡人(以下简称"您")。您应仔细阅读本协议项下全部内容,并对加粗字体显示部分重点阅读。本协议的效力及于银联在本协议项下为您提供的一切服务。
目录
第一部分 银联用户服务协议通用条款
第二部分 银联在线支付专用条款
第三部分 银联移动支付专用条款
第四部分 云闪付专用条款
1、“银联用户”,指在银联网站及银联授权的其他渠道成功注册银联账户的持卡人。未在银联网站及相关平台注册,但根据银联与合作商户的协议,使用合作商户账号登录并使用银联产品与服务的用户,在银联与该商户合作期间,视为银联用户。
2、“银联账户”,指银联用户注册成功后系统生成的相关电子账户,用于存储用户的相关个人信息、被关联的银行卡信息以及使用银联服务的所需信息等。
3、“银行卡关联”,指您注册成为银联用户后,将您的银行卡卡号与您注册的银联账户建立关联关系的行为。
4、“通用条款”,指适用于银联在本协议项下提供的全部服务的条款。
5、“专用条款”,指适用于银联提供的特定服务的条款。
1、您确认,在您注册成为银联用户前,您已充分阅读、理解并接受本协议的全部内容,一旦您勾选“同意”,即表示您确认对本协议全部内容已充分理解并完全接受。
2、您确认,您同意接受本协议并申请注册银联账户时,您具有完全民事权利能力和民事行为能力,能够独立承担民事责任;本协议内容不受您所属国家或地区法律的排斥。不具备前述条件的,您应立即停止申请使用本服务。
3、您同意,银联有权根据业务发展需要对本协议的内容予以变更,并在银联网站公告,无需另行单独通知您。变更后的协议内容一经公布即代替原来的协议内容,您须定期审阅本协议及其变更后的内容。若您不同意银联对本协议所作的变更,您应立即停止使用本协议下服务或注销银联账户。若您在本协议内容公告变更后继续使用本协议下服务,表示您已充分阅读、理解并接受修改后的协议内容,也将遵循修改后的协议内容使用本协议下服务。
4、您确认并同意,您在使用本服务过程中与商户就其提供的商品或服务产生的任何争议或纠纷与银联无关,您应与商户自行协商解决。
5、您知悉并同意,您作为银联用户期间,银联将根据不同用户的特点,通过银联账号及账号关联手机号等渠道向您提供相关商业信息推送服务,推送的信息包括但不限于银联各项业务的服务信息、优惠、活动、权益等内容。其中,商业性短信(用于介绍、推销商品、服务或者商业投资机会的短信)推送频率一般不超过8次/月。如您不同意银联向您推送商业性短信,您可致电95516或者在云闪付APP-“我的”-“隐私设置”-“商业性短信管理”页面或者在“银联+”-“我的”-“消息管理”中解除该短信推送服务,解除状态会在24小时内生效。解除该短信推送服务后,您不会再收到银联向您推送的商业性短信,但为保证您账户和交易安全,交易验证码、业务提醒等通知类短信将不受影响。如果需要,您可以致电95516或者在云闪付APP-“我的”-“隐私设置”-“商业性短信管理”页面或者在“银联+”-“我的”-“消息管理”中再次开启商业性短信推送服务。
6、您确认已经按照银联的提醒,充分了解并同意本协议中免除和限制银联责任,可能加重您责任或排除您权利的条款。
1、您注册银联用户成功后,将获得银联授予您的银联账户使用权。银联账户的所有权归银联所有。银联账户仅限您个人使用,禁止赠与、借用、租用、转让或出售,否则造成的任何损失由您本人自行承担,并且银联有权单方暂停或终止该银联账户的使用。
2、您应保证注册银联用户时提供的信息是您本人的信息,并保证该等信息的真实、准确、完整,否则,由此引发的一切后果由您本人自行承担,银联不承担任何责任。
3、如您注册银联用户时提供的个人信息有任何变更,您应及时登录银联账户更新个人信息,否则由此造成的一切后果由您本人自行承担,银联不承担任何责任。
1、您注册银联用户成功后,可以登录银联网站以及银联的各服务平台。但您在使用本协议下银联提供的服务前,需要仔细阅读该服务的专用条款,并按照要求补充完整相关的信息,否则您可能无法使用该服务。
2、您应妥善保管您的银联账户用户名和密码,并定期更改密码,以保证银联账户的安全性。因您保管不善或未定期更改密码而导致银联账户被他人非法使用,您应自行承担一切后果,银联对此不承担任何责任。
3、您知晓并同意由于网络的特性,银联无法对使用您银联账户的人员进行核对,因此通过您的银联账户在银联网站和服务产品平台进行的任何行为均视为您本人所为,您将承担一切后果。如您发现您的银联账户被恶意使用,您应及时告知银联,银联可以采取冻结账户等措施以保护您的权益。您理解并同意银联对您的冻结请求需要合理期限采取行动,银联对冻结账户前已经产生的损失不承担任何责任。
4、您知悉并同意,银联可能与相关商户进行合作,实现您用银联账户登录相关商户平台。您登录商户平台即视为您同意该商户对其用户的相关要求、规定。您与该商户之间产生的任何争议,应由您与该商户自行协商解决,银联对此不承担任何责任。
1、如您不希望继续使用银联账户,可以致电银联95516客服热线要求注销或直接登录云闪付APP,通过“我的-设置-安全设置-注销账户”依据系统流程完成自助注销。注销后您已经通过银联获取的尚未使用的权益将全部归于无效,同时您将无法继续使用银联在本协议下提供的各项服务。您注销账户后,我们将停止为您提供产品与/或服务,并依据您的要求,除法律法规另有规定外,我们将删除您的个人信息或匿名化处理。届时您将无法登录并认证网关支付、商户通和门户网站。如您不希望开通或继续使用银联提供的某项服务,您可以致电银联95516客服热线关闭或停止该项服务。
2、如您的手机丢失或出现资金风险,可以登录云闪付APP通过“我的-设置-安全设置-冻结账户”或者在云闪付APP登录页通过“冻结账户”,依据系统流程冻结账户。冻结后您的账户将被保护,账户资金不可支用。解除冻结前任何人都无法登录。当您确保账户无安全风险,可以登录云闪付APP“立即解冻”或在登录页通过“解冻账户”, 依据系统流程解冻账户。
3、如您有任何违反本协议或法律法规的行为,您应承担一切法律责任。同时,银联有权停止为您提供本协议下的服务并单方冻结或注销您的银联账户,因此导致的任何风险和损失由您自行承担,银联对此不承担任何责任。
1、您知悉并同意,银联可以获取并收集您在浏览、注册、登录银联网站或平台、使用本协议下服务以及使用银联卡消费过程中所产生的个人信息、交易数据及其他数据信息(以下简称“用户信息”)。以上用户信息的收集仅限于为实现并优化银联卡交易,以及改进支付体验所必须的信息。如果您无法提供相关用户信息,您将无法完成账户注册以实现银联卡交易。银联将采取必要、合理的措施确保用户信息的安全。如因您自身原因泄露您的用户信息,因此造成的一切后果由您自行承担,银联对此不承担任何责任。
2、您同意并授权银联及其关联公司在法律法规允许的范围内无偿使用、分析、处理及加工您的用户信息,并且允许银联及其关联公司将您的用户信息转授权并传输给银联成员机构及其他第三方使用、分析、处理及加工, 银联及关联公司将采用符合国家法律法规要求的安全技术和程序(如数据加密通道)与相关方进行本协议项下的授权用户信息交互。本协议项下的用户信息的无偿使用、分析、处理及加工用于银联及关联机构、银联成员机构及其它第三方为您提供服务,银联要求相关方依法合规使用您的用户信息,并对您的信息保密。此外,无论您的用户信息是在何处被收集,您理解并同意您的用户信息可能因为本协议中提到的目的被传输到其他法律管辖区域。
3、您同意并授权银联根据您主动选择开通的业务或服务种类,将您的相关用户信息传输给您的银行卡发卡银行并允许银联与发卡银行就您的用户信息进行相应的交互和处理,或者将您的用户注册账号提供给第三方合作机构,用以实名身份验证等用途,以满足相关业务需要和您的服务需求。
4、银联不会对外公开或向任何第三方提供您的用户信息,但以下情形除外:
(1)根据本协议的约定已获得您的授权;
(2)根据有关法律法规的要求;
(3)按照政府主管部门或司法机关的要求;
(4)为维护社会公众的利益。
5、您有权根据相关法律向银联提出数据访问请求,数据修改请求,以及个人数据删除请求。
1、您在使用本服务时应遵守中华人民共和国或您所在国家或地区的相关法律法规,不得将本服务用于任何非法目的,也不得以任何非法形式使用本服务。出现以下情形时,银联有权在不事先通知您的情况下暂停或终止向您提供本服务或本服务的任何部分,因此给您造成的任何损失,银联不承担任何责任:
(1)银联认为您违反法律、法规的禁止性规定或违反本协议约定;
(2)银联发现异常交易或认为交易存在风险或有违反法律、法规规定或本协议约定的可能。
2、您不得利用本服务从事如下侵害他人合法权益之行为,否则银联有权拒绝为您提供服务,且您应承担一切法律责任。如因此导致银联或相关方遭受损失的,您应依法承担相应的赔偿责任。相关行为包括但不限于:
(1)侵害银联和/或任何第三方名誉权、隐私权、商业秘密、商标权、著作权、专利权及其他人身和财产权利;
(2)违反法定或本协议约定之保密义务;
(3)冒用他人名义使用本服务;
(4)从事不法交易行为,如洗钱、套现、身份盗窃、欺诈、涉毒、涉赌、涉黄以及其他银联或有权监管机构认为不得使用本服务进行交易的行为等;
(5)使用盗窃、伪造的银联卡账户或无效银联卡账户进行交易;
(6)违反《银行卡业务管理办法》使用银联卡;
(7)进行与您或交易对方宣称的交易内容不符的交易,或无真实交易背景的虚假交易;
(8)从事任何可能含有电脑病毒或是可能侵害本服务系统之行为;
(9)其他银联有正当理由认为不适当之行为。
1、银联向您提供的服务,仅按当时的实际状态提供,银联不提供任何明示或默示的担保。
2、您知悉并同意银联不就下列原因对您产生的任何损害承担责任,包括但不限于直接损失和间接损失、名誉和声誉损害以及精神损害:
(1)因商户或银行的原因导致银联无法正常提供本服务;
(2)电信设备、电力系统出现故障或其他第三方引起的服务不能或延迟;
(3)银联在银联网站公告之系统停机维护期间导致无法正常提供服务;
(4)因电脑或手机病毒、黑客攻击、系统不稳定、用户所在位置、用户关机以及其他任何网络、技术、通信线路等原因造成的服务终端不能满足用户要求的情况;
(5)不可抗力:包括但不限于战争、洪水、火灾、台风、海啸、地震、政府行为等一切不能预见、不能避免和不能克服的客观情况;
(6)因您自身原因导致的损失以及其他非因银联过错而产生的损失。
1、如无特别声明,银联的任何设计、文字、图像、图表、音频、视频、终端软件等信息、材料或代码等内容的著作权均归银联所有。未经银联书面同意,您不得以任何方式复制、使用、出售,但如果该等复制或使用是出于使用本服务的目的除外。
2、“银联”、“银联在线支付”、“银联手机支付”、“云闪付”、“银联及三色图形”、“UnionPay、银联及三色图形”以及其它任何用来标识中国银联及相关业务的文字、图形及其它可视性标志,都是属于银联所有的商业标识。银联对上述标识享有商业标示性权益,受法律保护。未经银联事先书面同意,您不得擅自修改、注册、复制或以其它方式使用上述商业标识。
3、您在使用银联相关服务过程中不得侵犯银联或任何第三方的合法权益,否则您将承担因此产生的一切法律责任。
本协议由本协议正文、附件,以及银联已经发布或将来可能发布的各项业务的使用条款、规则、指引和其他公示、公告组成。
凡因本协议引起的或与本协议有关的任何争议,以及您在使用中国银联相关产品和服务过程中引起的任何争议,双方应友好协商解决;协商不成的,应提交上海仲裁委员会按照该会仲裁规则进行仲裁。仲裁裁决是终局的,对双方当事人均有约束力。
1、如果本协议的任何条款被认定为无效、不合法或不可执行,本协议其余条款仍应有效并具有约束力。
2、本协议专用条款有约定的,优先适用专用条款的约定;专用条款无约定的,适用通用条款的约定。
1、"银联在线支付",是指银联向您提供的,按照银联业务规则或发卡银行网银支付产品要求完成对您的身份验证后,由发卡银行按银联传输的您的付款指令将您银联卡账户内资金向商户进行付款的支付服务。
2、“小额临时支付”,是指在业务开通环节,如果您没有在您的发卡银行为您的借记卡留存手机号,则在您输入的其他验证要素通过您的发卡银行验证的情况下,您的发卡银行同意由银联为您开通具有一定有效期及额度限制的支付业务。后续支付时,您只需在商户页面输入卡号和短信验证码,验证通过后即可在有效期和限额内完成支付的支付方式。
3、“业务开通”,是指您在首次使用银联在线支付业务时,在银联网站、银联或发卡银行授权渠道(包括但不限于短信、电话等)提供验证要素后向您的发卡银行提出业务开通申请,您的发卡银行验证通过后为您开通银联在线支付业务的过程。
4、“银联U点”,是您注册成为银联用户并关联银行卡后以及后续使用银联在线支付服务过程中,银联为您提供的优惠凭证。银联将根据您使用的U点数额为您提供相应折扣优惠。
5、“银联U点规则”,是指银联在银联网站发布的,关于银联U点发放、使用等相关业务的规则。
6、“增值服务”,是指您注册银联账户或开通银联在线支付业务后,银联将根据您的交易需求和消费需求,通过银联网站、短信平台、邮件平台或电话平台向您提供的推送优惠信息及其他相关服务。
7、“增值权益”,是指银联或与银联有合作关系的机构向您提供的积分、优惠券等增值权利或利益。
您了解并知悉,银联仅负责为您使用银联在线支付服务提供信息传输通道,为您和您的发卡银行转递信息。您在支付环节仍应遵守您的发卡银行发布的公告、章程或与您签署的与银联在线支付业务有关的协议。如您对您银行卡内的资金流向或状态产生任何疑问,您应及时与您的发卡银行联系。
为有效保障您登录银联在线支付账户进行交易时的合法权益,您理解并同意接受以下规则:
1、您注册银联账户后可以登录浏览银联网站内容,但您的账户仍不具备支付功能。您登录银联账户并成功关联银行卡后方可使用银联在线支付功能进行支付,您关联银行卡的行为即表示您同意开通银联在线支付功能。
2、银联仅根据您发卡银行的委托,就协助您关联银行卡提供辅助服务,由于关联银行卡本身可能存在的风险,您应充分知晓并自行承担相关风险。
3、银联通过您的用户名和密码识别您的指示。在您选择关联银行卡进行支付后,银联将向您关联银行卡的发卡银行发送支付指令,由您的发卡银行验证后从您的银行卡账户扣除或冻结相关款项。您发出的指令不可撤回或撤销。
4、银联提供的支付服务受您关联的银行卡的状态制约,如该卡因挂失、止付等原因不能使用,相关服务将自动中止。您关联的银行卡状态恢复正常并重新提出申请时,银联才会重新提供相应服务。
5、您在使用银联在线支付进行支付的过程中应当及时登录银联网站查看并确认相关信息并及时进行相关操作,否则因此导致的任何风险和损失由您自行承担,银联不承担任何责任。
1、如您未注册银联账户而需使用银联在线支付功能进行支付,您需要进行业务开通,按照要求提供相关验证要素并提交开通申请指令,银联将根据您的指令向您银行卡的发卡银行发出开通请求。
2、您在业务开通过程中,应妥善保管银行卡信息、身份信息和手机信息(含短信验证码内容),不得将银行卡信息、身份信息和手机信息(含短信验证码内容)转告或泄漏给他人,否则由此产生的风险及损失由您自行承担。您如需更改与银行卡号关联的手机号码,可凭您的发卡银行要求的证件和银行卡通过发卡银行指定渠道,包括但不限于银行柜台、自助终端、网上银行、电话银行等方式重新设置。
3、业务开通后,您可以通过银联网站或您银行卡发卡银行许可的其他渠道申请注销该业务功能。
1、您使用本服务,银联将通过多种方式向您授予银联U点。银联U点不具有现金价值,无论您通过何种方式获得银联U点,您都不能使用银联U点换取任何现金或金钱。
2、银联U点不具备任何财产性质,并非您拥有所有权的财产,如银联怀疑您在银联U点的获得及/或使用过程中存有欺诈、滥用、疑似被盗或其他银联认为不当的行为,银联有权随时单方面调整、限制、取消或终止您的U点或U点使用,而无须征得您的同意。
3、您仅有权按照银联U点规则,将所获U点用于后续支付过程中抵扣商品或服务价款。
4、一旦使用银联U点,您的交易信息将与商户端原始信息产生差异,您不会因为银联U点的使用而对交易信息产生疑问并拒绝承认相关交易的真实性。
5、您在使用增值权益时,银联会将您的增值权益兑换为U点处理,具体使用规则以门户网站公布的《银联增值权益使用规则》为准。
1、小额临时支付开通后,银联有权根据您或商户的风险情况调整单卡单笔或单卡累计交易限额,调整小额临时支付有效期甚至关闭小额临时支付业务。
2、如您在小额临时支付有效期内未通过您的发卡银行支持的业务渠道留存手机号码并通过您的发卡银行或银联渠道进行业务开通,银联有权在有效期届满之日关闭您的小额临时支付权限。
银联不对因您自身过错导致的任何损失承担责任,该等过错包括但不限于:
1、您的手机遗失或您提供的手机号码有误;
2、您在支付过程中,未核对交易信息导致您支付的交易与您本欲进行的交易事项不一致;
3、您未按照本协议内容或门户网站的操作提示进行操作,或未及时修改密码导致密码被他人破解;
4、您未妥善保管您的银联在线支付账户信息、银行卡信息、身份信息或手机信息(含短信验证码),导致该等信息泄露。
1、本专用条款及银联用户服务协议通用条款中关于“业务开通”、“银行卡关联”、“小额临时支付”、“银联U点”及“银联U点规则”等功能或服务暂不适用于境外银联卡的银联在线支付业务。
2、为了保障您的银行卡资金安全,您需确认以下信息:本人提供的手机号为本人的有效联系方式,本人同意并授权银联自业务受理之日起向包括相关电信运营商在内的第三方查询、核实本人开户、绑卡、交易时的城市/地区信息,同时同意包括电信运营商在内的第三方将前述核实结果反馈给银联,用于本人/我们身份信息验证核实和位置验证核实,交易的风险评估、识别、控制,并保留相关资料。
1、“银联手机支付”,是指银联向您提供的,按照银联业务规则要求完成对您的身份验证后,由发卡银行按银联传输的您的付款指令将您银联卡账户内资金向商户进行付款的支付服务。
2、“银联手机安全支付控件”,是指嵌入商户手机客户端应用的程序组件,用于提供安全支付环境,实现无缝购物支付流程,满足用户支付、查询等需求。
3、“银联手机支付客户端”,是银联整合丰富的线上和线下资源,为用户打造的安全、快捷的远程支付产品,支持覆盖了金融服务、便民服务、休闲娱乐、商旅服务、手机商城等各种内容应用。
4、“金融智能卡”,是指内置了金融支付安全芯片的存储卡、SIM卡。
5、“小额临时支付”,是指在业务开通环节,如果您没有在您的发卡银行为您的借记卡留存手机号,则在您输入的其他验证要素通过您的发卡银行验证的情况下,您的发卡银行同意由银联为您开通具有一定有效期及额度限制的支付业务。后续支付时,您只需在商户页面输入卡号和短信验证码,验证通过后即可在有效期和限额内完成支付的支付方式。
6、“业务开通”,是指您在首次使用银联手机支付业务时,在银联网站、银联或发卡银行授权渠道(包括但不限于短信、电话等)提供验证要素后向您的发卡银行提出业务开通申请,您的发卡银行验证通过后为您开通银联手机支付业务的过程。
7、“增值服务”,是指您注册银联账户或开通银联手机支付业务后,银联将根据您的交易需求和消费需求,通过银联手机支付客户端、短信平台、邮件平台或电话平台向您提供的推送优惠信息及其他相关服务。
8、“增值权益”,是指银联向您提供的银联积分等增值权利或利益。
您可以在移动终端或其他数字终端搭载的银联手机支付客户端或银联手机支付合作商户的客户端中使用银联手机支付业务。
1、金融智能存储卡不能通过电脑或手机格式化,否则将影响银联手机支付软件的使用。若您不小心执行了格式化操作,请到开卡网点修复。
2、您更换手机号码后请及时通过发卡银行指定的渠道变更手机号码,否则因此产生的任何损失和责任,由您自行承担。
3、与本服务有关的电话费用、网络费用由您自行承担,欠费会导致业务不能正常使用,请您注意及时充值。
4、因您擅自转让或授权他人使用您的金融智能存储卡产生的任何风险和责任由您自行承担,银联对此不承担任何责任。
5、您不得利用技术措施或其他手段破坏及扰乱银联手机支付平台程序的正常运行。
6、关于超级转账应用的提示:
(1)转账:指由银联及其合作银行共同提供的,可供付款方将其借记卡及准贷记卡中(信用卡除外)的款项支付到付款方指定的收款方银行借记卡、存折账户或对公账户的服务。
(2)您使用本服务应基于您对收(付)款方的充分了解(包括但不限于对方的真实身份及确切的银行卡号等)。基于此项服务可能存在的风险,在使用转账服务时,您理解并接受:
a. 银联对所有用户使用转账服务时的转账款项的每天免费转账额度、转账最高限额以及每笔转账最高限额进行了限制,并保留对免费额度、限制种类和限制额度进行无需预告地调整的权利。您在使用转账业务时,还将受到转出卡发卡银行对其单笔转账最高金额和每日累计转账最高金额的限制,具体限额请自行联系相关发卡银行沟通确认。
b. 银联有权随时根据自身业务的发展增加或减少转账所支持的银行以及该行发行的银行卡或存折种类或者调整转账服务的内容,包括但不限于对该服务进行升级、改造、调整收费方式及价格,具体以银联公示的内容为准。您若不能接受相关变更、调整的,应立即停止使用本服务,否则即视为同意。
c.一旦您使用转账服务进行转账,您应当自行承担因您指示错误而导致的风险。银联依照您指示的收款方并根据本协议的约定完成转账指令的提交后,即完成了当次服务义务,银联对于收付款双方之间产生的关于当次转账的任何纠纷不承担任何责任,也不提供任何形式的纠纷解决途径,您应当自行处理相关的纠纷。
d. 针对银联提供的转账服务,银联仅负责在页面承诺的时限内向相应银行发送付款指令,由银行按照页面约定时限进行付款操作;银联无法保证在规定时限内一定能够付款到账 (如银联在本应用服务界面提示1小时内到账的,银联将负责在1小时内向银行发送付款指令并由银行协作在1小时的时限内完成付款工作)。因银行方面原因致使到账延误的,银联将在5个工作日内协助您向银行查询并进行处理,但银联对此不承担任何责任。
e. 您理解并同意,您使用本项服务的前提是对该笔转账并不具备很严格的时限要求,同时也不会基于转账延迟而要求银联或银行承担任何责任。若您不能接受本条相关约定,请立即终止使用本转账服务。
f. 您可能收到由于使用转账服务的付款方指示错误而转账到您银行账户的款项,在此情况下您应该根据国家的相关法律的规定和实际情况积极配合处理该笔款项。
g. 因为银联或银行基于国家法律规定或监管机构要求而对您所填写的身份信息或转账资料等进行稽查、审核等原因导致该笔交易需要中止/终止的,您有义务配合银联或银行提供相关证明材料,否则因此导致的所有责任均由您自行承担。
本专用条款未约定事宜,参照银联在线支付专用条款执行。目前银联手机支付尚未开通银联U点业务,银联在线支付专用条款中与银联U点有关的条款暂不适用。
“云闪付”系指银联直接面向持卡人提供积分、优惠券、电子票等增值服务的持卡人服务平台。持卡人可以通过中国银联业务网站、手机终端或其他终端注册并登录云闪付。
您注册银联账户成功后,须进行银行卡关联,方可使用云闪付提供的全部增值服务。
“云闪付网络支付平台”系指中国银联联合成员机构共建的的银行业移动支付基础性平台,通过组件模块的形式,实现将移动支付能力向成员机构客户端输出、经营能力共享与受理场景开放,同时为用户提供线上线下交易的多种支付应用服务,实现统一的支付体验。
“云闪付网络支付”系指基于云闪付网络支付平台发起的二维码支付、二维码转账、远程控件支付、远程转账业务等。
您知悉并同意,您通过商业银行APP等应用服务方渠道开通云闪付网络支付服务后,您通过云闪付APP关联的银行卡即可在支持云闪付网络支付的所有受理场景内用于支付。
1、“积分”系指用户根据积分提供方发布的规则获取的虚拟单位,包括通用积分和专用积分。
2、“通用积分”系指由银联提供并负责运营的银联积分。银联积分的积分规则由银联制定。银联积分可以在所有银联积分商户处使用。
3、“专用积分”系指对由商户或第三方机构提供,银联根据商户或第三方机构的委托代为运营的积分。专用积分的积分规则由商户或第三方机构制定。专用积分仅能在专用积分规则确定的范围内使用。按照提供主体和使用范围的不同,专业积分可以分为商户积分、商圈积分和第三方机构积分。
4、您知悉并同意:
1) 您应根据《银联积分规则》(如附件所示)获取及使用通用积分。
2) 银联有权单方对《银联积分规则》不时进行修订。修订后的《银联积分规则》将通过中国银联业务官方网站进行公布,银联无须提前或单独通知您。修订后的《银联积分规则》将于公布之日起生效。
3) 您应根据提供专用积分的商户或银行所公布的相关积分规则(包括其不时的修订)获取及使用专用积分。
5、专用积分由特定商户或银行提供,银联仅代理该等商户或银行提供积分累积及发放服务;因专用积分的获取或使用而产生的任何争议,由您和提供积分的商户或银行自行解决,银联不承担任何责任。
1、“优惠券”系指由相关商户提供且用户通过云闪付获取的电子凭证,用户凭优惠券在消费时享受一定价款折扣或抵扣。
2、您知悉并同意:
1) 优惠券是由商户提供,银联仅提供优惠券获取的平台或代为发放优惠券,您应根据提供优惠券的商户所公告的优惠券使用规则(包括其不时的修订)使用优惠券。
2) 您可以通过以下两种途径获取优惠券:
主动获取:您在云闪付通过下载获取优惠券;
自动获取:在您满足一定条件的前提下,云闪付将自动将商户提供的优惠券推送至您的银联账户。自动获取的条件由银联与合作商户自行确定,无需告知您。
3、优惠券为合作商户提供,云闪付仅提供优惠券的下载平台或推送优惠券;银联不对优惠券的真实性、合法性、可使用性提供任何担保;因优惠券而产生的任何争议,由您和提供优惠券的商户自行解决,银联不承担任何责任。
1、“电子票”系指由相关商户提供且用户通过云闪付获取或管理的电子凭证,可视为普通纸质票的电子形式,用户凭电子票可以进入至电子票对应的影院、公园、展览馆、博物馆等。
2、电子票为合作商户提供,银联仅在云闪付展示并供您下载使用该等电子票或推送该等电子票;银联并不对该等电子票的真实性、合法性或可使用性提供任何担保;因电子票而产生的任何争议,由您和提供电子票的商户自行解决,银联不承担任何责任。
1、银联将适时开放增值产品的评论功能,您可以在评论区就增值服务的使用发表评论。在评论区,您应就您所发布的内容自行承担责任。您对在评论区必须遵守所有适用的地方法律、国家法律和国际法律。您承诺在评论时,不得侵犯银联的合法权益,也不得制作、复制、发布、传播含有下列内容的信息:
(1)反对宪法所确定的基本原则的;
(2)危害国家安全,泄露国家秘密,颠覆国家政权,破坏国家统一的;
(3)损害国家荣誉和利益的;
(4)煽动民族仇恨、民族歧视,破坏民族团结的;
(5)破坏国家宗教政策,宣扬邪教和封建迷信的;
(6)散布谣言,扰乱社会秩序,破坏社会稳定的;
(7)散布淫秽、色情、赌博、暴力、凶杀、恐怖或者教唆犯罪的;
(8)侮辱或者诽谤他人,侵害他人合法权益的;
(9)含有法律、行政法规禁止的其他内容的。
2、您违反本协议或相关法律法规发布信息,银联有权删除或屏蔽您的评论,且银联有权随时暂停或终止您的银联账户,并不承担任何责任。如对银联造成任何损失或损害,您应承担全部责任。
1、“信用卡账单分期业务”,系指由您的发卡银行提供的针对您的信用卡账户已出账单部分的金额申请转成分期还款交易后分期偿还的业务。您可通过云闪付平台申请和/或查询该业务(具体以您的发卡银行授权云闪付开通的业务范围为准)。
2、您知悉并同意:
(1)信用卡账单分期业务由您的发卡银行提供,申请条件设定、审核均是由您的发卡行银行负责。您必须接受并同意您的发卡银行关于信用卡账单分期业务的相关条款,方可通过云闪付提交信用卡账单分期的相关申请。
(2)您的信用卡账单分期申请经发卡银行审核通过后,即视为您与发卡银行之间达成了两方的还款协议关系,您应严格按照协议约定履行相关义务,并承担相应的履约责任。
(3)云闪付在信用卡账单分期业务中,仅作为您与发卡银行之间信息传递的通道,不对您和发卡银行的信用卡账单分期协议的签署和履行承担任何责任。
(4)信用卡账单分期申请经您的发卡银行审核通过后,您可以根据自己的意愿,选择具体的还款渠道。
1、“拍卡识权益功能”系指用户在绑定银联卡(限62开头)过程中,可以选择使用云闪付提供的拍卡识权益功能,通过拍摄自己的银行卡或者银行提供的卡样,识别该卡的卡号及卡等级,以及对应的云闪付权益。
2、您知悉并同意:
(1)“拍卡识权益功能”仅是云闪付为了便于您绑卡,以及知悉对应的云闪付权益,而提供的辅助功能。您也可以选择不使用该项功能,。
(2)银联并不确保识别的信息真实、准确,您需要仔细核对识别的银行卡信息,并进行确认。
(3)“拍卡识权益功能”所识别的权益,仅是您的银行卡对应的云闪付权益。您首先需确保您的银行卡信息真实、准确,方可享受到相应的权益。否则,即使系统显示享有相关权益,但是可能因为错误的卡信息,而导致相应的权益实际无法享有或承兑。
(一)产品及定义
云闪付支付服务,指银联依托云闪付为收付款人之间提供的资金收付服务。(下称“本服务”)。本服务可实现消费、收款等功能。
您知悉并同意,您注册云闪付账户后,必须完成实名验证、绑定银行卡并设置云闪付支付密码后,方能使用云闪付支付服务。您在云闪付内绑定银行卡需提供银行卡相关验证要素,包括您的银行卡卡号、姓名、证件号、银行预留手机号、有效期(如有)等信息,经银联和您的发卡银行验证通过后即可完成绑卡。
银联将根据监管要求、您的自主设置情况、支付业务场景、交易对象、交易风险控制、所在地区、银行额度控制、身份验证方式等因素设定/调整您的交易额度、笔数,具体以实际支付时为准
(二)本服务的内容
本服务的内容包括但不限于如下几类:
2.1 收款码服务
“收款码服务”是指付款人扫描您本人在云闪付APP申请的收款二维码后,可向您发起付款(转账),由银联根据付款人的交易指令从付款人银行卡内扣除该笔款项并转入到您指定银行卡的服务,该二维码即称为收款码。本服务当前仅限在中华人民共和国(仅为本协议之目的,不包含香港、澳门、台湾地区)使用。
2.1.1 为向您提供收款码服务,及基于交易风险防控之需要,在绑定银行卡的环节,您需要向我们提供或允许我们收集的必要信息为【您的姓名、证件号码、银行卡号、手机号】
2.1.2 您必须在云闪付内完成注册、实名验证及绑定银行卡后,即可开通并使用收款码服务
2.1.3 您理解并同意,收款码服务下的付款具体到账时间取决于各银行的支持情况,因节假日或非工作日以及各个银行的不同要求,资金到账可能存在迟延。
2.1.4 您理解并同意,因触发银行风控政策等原因导致交易失败的,您有义务配合银联向银行提供相关证明材料,向银行确认交易的真实、合法性,否则因此导致的所有责任均由您自行承担,由于前述原因导致资金被银行止付或延迟到账的,请与您的银行卡发卡银行联系处理。
2.1.5 您理解并同意,受业务发展需要或银行侧服务调整等因素影响,收款码服务的付款限额、支持的银行名单等将不时进行调整,具体以银联正式公告为准。
2.1.6 银联有权就本服务向您收取并不时调整服务费用,具体收费标准银联正式公告为准。当前试点期间暂免服务费。
2.2 二维码支付服务
“二维码支付”是指您在云闪付通过“付款码支付”或“扫一扫识别二维码支付”付款,银联在一定额度内无需校验您的支付密码、短信动态验证码等其他交易验证要素,即可从您云闪付所绑定的银行账户发起扣款完成付款的服务。
2.2.1 您可在云闪付内的首页“收付款或付款码”、“扫一扫”等入口进入并使用该服务及查看相关介绍。其中,“付款码支付”指您点击云闪付的“收付款或付款码”即可获取付款码,商家扫描您的付款码即可发起扣款请求,通过银联将扣款请求转发到银行,经由发卡银行从您的银行账户扣款以完成向商户付款。“扫一扫识别二维码支付”指您使用云闪付“扫一扫”扫描收款方二维码后主动发起付款请求,通过银联向发卡银行转发付款请求,经由发卡银行从您的银行账户扣款以完成向商户付款。
2.2.2 为向您提供二维码支付服务,及基于交易风险防控之需要,在绑定银行卡的环节,您需要向我们提供或允许我们收集的必要信息为【您的姓名、身份证号码、银行卡号、手机号】,同时您授权并同意我们可以向您的银行卡开户银行提供【您的姓名、身份证号码、银行卡号、手机号】用以校验确认您的身份,并获取开户银行对您的校验结果。
2.2.3 您在云闪付内完成注册、实名绑卡并设置支付密码后,即可开通并使用二维码支付服务。
2.2.4 您理解并同意,您在免密限额内的交易,使用二维码支付服务时无需验证支付密码或其他交易验证要素即可支付。具体以实际支付页面提示为准。银联有权根据风险防控的需要调整您的免密限额。如交易金额超过免密限额,银联可结合实时风控校验您的支付密码、短信动态验证码或其他交易验证要素以保障您的交易安全。
2.3 云闪付控件支付服务
“云闪付控件支付”是基于银联手机支付服务(具体请见本协议第三部分的相关定义),在云闪付内为您提供的支付服务,是指您在线上商户下单,且在商户收银台上选择银联云闪付作为支付方式后,自动跳转到云闪付控件的付款页面,您在云闪付内确认订单付款信息后,经云闪付(或发卡银行)验证后,银联将您的付款指令传输至发卡银行,发卡银行从您的银行账户扣款以完成向商户付款的服务。您可通过云闪付控件支付在商户进行消费、预授权等交易。
2.3.1 为向您提供控件支付服务,及基于交易风险防控之需要,在绑定银行卡的环节,您需要向我们提供或允许我们收集的必要信息为【您的姓名、身份证号码、银行卡号、手机号】,同时您授权并同意我们可以向您的银行卡开户银行提供【您的姓名、身份证号码、银行卡号、手机号】用以校验确认您的身份,并获取开户银行对您的校验结果。
2.3.2 您在云闪付内完成注册、实名绑卡并设置支付密码后,即可开通并使用云闪付控件支付。
2.3.3 将根据业务规则、发卡银行的要求,由云闪付(或发卡银行)校验您的支付密码(或银行卡密码)、短信动态验证码或其他交易验证要素。对于银联云闪付验证的交易,将结合风控需要来调整您交易时的验证要素。具体以实际支付页面提示为准。
2.4 指纹、面容支付服务
“指纹、面容支付”是您在云闪付内通过手机设备的指纹或者面容验证作为支付验证要素,在您验证指纹、面容或其他验证方式(如有时)通过后,根据您的交易指令发起交易扣款的服务
2.4.1 您在云闪付内的指纹/面容支付服务开通页面进行支付密码验证后,或交易中完成支付密码验证后即可开通指纹支付或面容支付功能,具体以实际开通场景提示为准。
2.4.2 您理解并同意,若您开通了云闪付的指纹支付或面容支付功能,在一定额度内,无需校验您的支付密码或短信动态码,将依据您的手机等移动终端设备发出的指纹/面容校验信息,即可按照您或商户的交易指令对您绑定在云闪付内的银行账户进行资金扣划操作。银联有权根据风险防控的需要调整上述额度。如交易金额超过上述额度,银联可结合实时风控校验您的支付密码、短信动态验证码或其他交易验证要素以保障您的交易安全。
(三)支付信息
3.1 为向您提供本服务,及基于交易风险防控之需要,您需要向银联提供或允许银联收集的信息包含【您的姓名、证件号码、银行卡号、手机号】等信息。同时您授权并同意银联可以向您的银行卡开户银行提供【您的姓名、身份证号码、银行卡号、手机号】用以校验确认您的身份,并获取开户银行对您的校验结果。基于支付风控考虑,银联会采集您的设备、IP等信息。
您理解并同意:
3.1.1 您为使用本服务而提供的所有信息是真实、合法、正确、完整的,如有变更,应及时告知银联或在对应功能页面进行操作,否则导致的相关后果由您自行承担。
3.1.2 您在使用本服务时,您的姓名及银行卡脱敏信息,将展示在收付款方的账单、交易记录等,以便于收付款方知晓交易信息。
3.1.3 您应妥善保管您的硬件设备、账户信息,包括SIM卡、银行卡信息(卡号及取款密码、有效期等)、云闪付支付密码、短信动态验证码、登录密码、手势密码、付款码(二维码、一维码)信息、生物识别信息(指纹面容、人脸)等。因您未妥善保管设备或泄漏上述信息所导致的经济损失,相关风险及损失将由您自行承担。
(四)服务的使用、要求及限制
4.1 您确认,您的账户登录云闪付,并使用云闪付支付服务时,您的付款指令一经发出,即视为您已确认交易和交易金额,并已不可撤销地发出付款指令,授权我们根据您的指令从您已绑定的银行卡划扣相应款项。您对扣划指令的真实性、有效性承担全部责任。您应当妥善保管您的账户信息、密码、设备信息、手机号等并在有信息变更时及时在云闪付完成更新,若因您泄露个人信息或因未及时更新账户信息而导致的资金损失,需您自行承担。
4.2 您理解并同意,为提升体验,银联结合实时风控,在部分支付场景下(如付款码支付)的一定额度内交易,无需校验您的支付密码即可根据商户、收款方的交易指令对您已绑定的银行卡账户发起扣款操作。
4.3 如您已自主设置扣款顺序,银联将按照您设置的扣款顺序向您提供服务,但银行卡支付失败、及经您另外确认扣款顺序的场景除外;如您未设置扣款顺序,为了您的支付体验,银联系统可根据您的支付习惯等因素自动生成扣款顺序。
您可在云闪付中查看和自行调整支付扣款顺序。
4.4 您承诺在使用云闪付支付服务时,应遵守国家法律、法规和银行、银联的相关协议约定以及社会公共利益或公共道德,不得将本服务用于非法活动或利用本服务从事任何侵害他人合法权益之行为,否则银联有权在不事先通知您的情况下暂停或终止向您提供本服务或本服务的任何部分,因此给您造成的任何损失,银联不承担任何责任。
4.5 您应保证就本服务所提供、填写的姓名、联系方式、银行卡卡号等信息资料真实、准确、完整、有效,且均系您本人信息。对于因您提供信息不真实或不完整所造成的损失及责任应由您自行承担且银联有权要求您立即予以停止、纠正该等行为或不经通知直接暂停、拒绝相关款项的处理。
4.6 你确认,银联有权根据风险监控情况、发卡银行要求或相关法律法规要求对您开通、使用的支付功能进行限制,包括但不限于拒绝开通、降低日交易限额和次数、暂停或关停相应支付功能,如有此导致您相关损失,银联无须承担有关责任。
4.7 您确认银联仅就云闪付支付服务提供技术支持及转接清算服务,具体而言,银联作为被授权指令的执行方和信息传递方,除非银联未能依据相应指令进行操作或信息传递有误,否则银联对云闪付支付服务产生的损失免于承担责任。
4.8 您在使用本服务过程中与商户就其提供的商品或服务、以及会员服务、权益产生的任何争议或纠纷与银联无关,您应与商户自行协商解决。
4.9 因您绑定的银行卡状态异常,包括但不限于卡片被挂失、冻结、变更、注销,或卡内余额不足等导致交易扣款失败的,请联系您的发卡银行处理。
(五)免责条款
5.1 您知悉并同意银联不就下列原因对您产生的任何损害承担责任,包括但不限于直接损失和间接损失、名誉和声誉损害以及精神损害:
(1)因商户或银行的原因导致无法正常提供本服务;
(2)电信设备、电力系统出现故障或其他第三方引起的服务不能或延迟;
(3)银联系统停机维护期间导致无法正常提供服务;
(4)因电脑或手机病毒、黑客攻击、系统不稳定、用户所在位置、用户关机以及其他任何网络、技术、通信线路等原因造成的服务终端不能满足用户要求的情况;
(5)不可抗力:包括但不限于战争、洪水、火灾、台风、海啸、地震、疫情、政府行为等一切不能预见、不能避免和不能克服的客观情况;
(6)因您自身原因导致的损失以及其他非因银联过错而产生的损失。
5.2 如您发现有他人冒用或盗用您相关个人信息或任何其他未经合法授权使用您所开通云闪付支付服务时,应立即以书面或其他有效的形式通知银联并要求银联暂停服务,以避免或者减少可能发生的损失。银联将积极响应您的要求,若您未及时通知我们,银联不承担任何责任。您理解,银联对您的请求采取行动需要合理期限,在此之前,银联对已执行的指令及导致的您的损失不承担任何责任。
目錄
第一部分 接受本服務協議之條款
第二部分 本服務協議之通用條款
第三部分 銀聯在線支付專用條款
第四部分 銀聯移動支付專用條款
第五部分 雲閃付專用條款
第六部分 其他通用條款
第七部分 附錄《中國銀行(香港)有限公司使用流動支付服務之流動卡的條款及細則》
本服務協議的雙方為銀聯國際有限公司(以下簡稱“銀聯”)及希望註冊成為銀聯用戶的持卡人(以下簡稱"您")。本服務協議列明了您登錄並使用銀聯手機應用程式的條款及細則,並對您具有約束力。您應仔細閱讀本服務協議項下全部內容,並對加粗字體顯示部分重點閱讀。
1、“銀聯用戶”,指在銀聯網站及銀聯授權的其他渠道成功註冊銀聯賬戶的持卡人。未在銀聯網站及相關平臺註冊,但根據銀聯與合作商戶的協議,使用合作商戶賬號登錄並使用銀聯產品與服務的用戶,在銀聯與該商戶合作期間,視為銀聯用戶。
2、“銀聯賬戶”,指銀聯用戶註冊成功後系統產生的相關電子帳戶,用於儲存銀聯用戶的相關個人資料、被連結的銀行卡資料以及使用銀聯服務的所需資料等。
3、“連結銀行卡”,指您註冊成為銀聯用戶後,將您的銀行卡卡號與您註冊的銀聯賬戶建立連結關係的行為。
4、“通用條款”,指適用於銀聯在本服務協議項下提供的全部服務的條款。
5、“專用條款”,指適用於銀聯提供的特定服務的條款。
1、您確認,在您註冊成為銀聯用戶前,您已充分閱讀、理解並接受本服務協議的全部內容;一旦您選擇“同意”,即表示您確認並完全接受本服務協議的條款約束。若對本服務協議的內容有任何疑問,請致電銀聯官方熱線800-967-222查詢。
2、您確認、表明及保證,當您同意接受本服務協議並申請註冊銀聯賬戶時,您已達到可訂立具有約束力的合同的法定年齡,或您經正式授權代表該組織或實體同意本服務協議及履行本服務協議項下的義務;本服務協議內容不受您所屬國家或地區法律的排斥。若不具備前述條件,您應立即停止申請使用本服務。
3、您同意,銀聯有權根據法律規定、業務發展需要及其他需求對本服務協議的內容予以變更,不時修訂本服務協議並在銀聯網站公告,而無需另行單獨通知。本服務協議變更後的內容一經公佈即時生效,並代替原來的協議內容,您須定期審閱本服務協議及其變更後的內容。若您不同意銀聯對本服務協議所作出的變更,您有權停止使用本服務協議下的服務或註銷有關銀聯賬戶。若您在本服務協議內容公告變更後繼續使用本服務協議項下的服務,即表示您已充分閱讀、理解並接受修改後的協議內容,並將遵循修改後的協議內容使用本服務協議項下的服務並履行有關本服務協議項下約定的義務。您每次使用本服務協議項下的服務,即表示您確認並同意接受可不時修訂的本服務協議的約束。
4、您確認並同意,您在使用本服務協議項下的服務過程中與商戶就其提供的商品或服務的品質、安全性、合法性或其他方面產生的任何爭議或糾紛與銀聯無關,您應與商戶自行協商解決,銀聯將不會承擔任何責任。
5、您知悉並同意,銀聯或其關聯公司將根據不同用戶的特點,通過手機等通訊工具向您提供相關資料推送服務,推送的資料包括但不限於服務資料、優惠資料、優惠券、電子票。如您不同意銀聯或其關聯公司向您推送上述資料,您可致電銀聯官方熱線800-967-222解除該資料推送服務。
6、您確認已經按照銀聯的提醒,充分了解並同意本服務協議中免除和限制銀聯責任、可能加重您的責任或排除您的權利的條款。
(一)獲取銀聯賬戶
1、成功註冊銀聯賬戶後,您將獲得銀聯授予您的銀聯賬戶使用權。銀聯賬戶的所有權歸銀聯所有。銀聯賬戶僅限您個人使用,禁止贈與、借用、租用、轉讓或出售,否則造成的任何損失由您本人自行承擔,並且銀聯有權單方面暫停或終止該銀聯賬戶的使用及/或立即終止本服務協議。
2、您保證註冊銀聯賬戶時提供的資料是您本人的資料,並保證該等資料的真實、準確、完整,否則,由此引發的一切後果由您本人自行承擔,銀聯不承擔任何責任。
3、如您註冊銀聯賬戶時提供的個人資料有任何變更,您應及時登錄銀聯賬戶更新個人資料,否則由此造成的一切後果由您本人自行承擔,銀聯不承擔任何責任。如您的個人資料 (如登記手機號) 需要更改,您可能須接受不同的服務條款。
(二)使用銀聯賬戶
1、成功註冊銀聯賬戶後,您可以登錄銀聯網站以及銀聯的各服務平臺。但您在使用本服務協議項下銀聯提供的服務前,您必須仔細閱讀該服務的專用條款,並按照要求補充完整的相關資料,否則您可能無法使用該服務。
2、您應妥善保管您的銀聯賬戶用戶名和密碼,並定期更改密碼,以保證銀聯賬戶的安全性。因您保管不善或未定期更改密碼而導致銀聯賬戶被他人非法使用,您應自行承擔一切後果,銀聯對此不承擔任何責任。
3、您應對如下事項承擔全部責任:i)保護您用戶名和密碼的保密性和安全性;ii)在您的用戶名和密碼下發生的全部交易和活動;以及iii)使用或不當使用您的用戶名和密碼的全部後果。
4、每一個銀聯賬戶只能對應一組個別的用戶名和密碼,您不應與他人共享您的銀聯賬戶或您的用戶名及密碼,亦不應將您的銀聯賬戶或您的用戶名及密碼轉讓給他人或允許他人使用。您承認並同意,您與他人共享您的銀聯賬戶或以其他方式允許他人使用您的銀聯賬戶(“多方使用”)將有可能給銀聯造成無法彌補的損害,且若多方使用銀聯賬戶使銀聯蒙受了任何損失或損害,您應負責對銀聯賠償。您承諾並同意,若出現任何未經授權便使用您的銀聯賬戶或您的用戶名或密碼的情況或任何其他違規安全情況,您將立即通知銀聯。您同意,因您未遵守本條規定而產生的任何損失或損害,銀聯不承擔任何責任。
5、您知曉並同意由於網路的特性,銀聯無法對使用您的銀聯賬戶的人員進行核對,因此通過您的銀聯賬戶在銀聯網站和服務產品平臺進行的任何行為均視為您本人所為,您將承擔一切後果並承擔任何責任。如您發現您的銀聯賬戶被惡意使用,您應及時告知銀聯,銀聯可以採取凍結賬戶等措施以保護您的權益。您理解並同意銀聯對您的凍結請求需要合理期限採取行動,銀聯對凍結賬戶前已經產生的損失不承擔任何責任。
6、您知悉並同意,銀聯可能與商戶進行合作,實現您用銀聯賬戶登錄相關商戶的平臺。您登錄商戶平臺即視為您同意該商戶對其用戶的相關要求、規定。您與該商戶之間產生的任何爭議,應由您與該商戶自行協商解決,銀聯對此不承擔任何責任。
7. 您知悉並同意,銀聯可能根據當地監管要求或發卡機搆的相關要求,對您的交易金額進行限制。
(三)凍結和註銷銀聯賬戶
1、如您不希望繼續使用銀聯賬戶,您可以致電銀聯官方熱線800-967-222要求註銷。在註銷銀聯賬戶前,您必須支付任何未償債務及履行在本服務協議項下的尚未履行的義務。註銷後,您通過銀聯獲取而尚未使用的權益將全部歸於無效,同時您將無法繼續使用銀聯在本服務協議下提供的各項服務。如您不希望開通或繼續使用銀聯提供的某項服務,您可以致電銀聯官方熱線800-967-222關閉或停止該項服務。
2、如您有任何違反本服務協議或法律法規的行為,您應承擔一切法律責任。同時,銀聯有權停止為您提供本服務協議下的服務並單方凍結或註銷您的銀聯賬戶,因此導致的任何風險和損失由您自行承擔,銀聯對此不承擔任何責任。
1、您知悉並同意,銀聯有權根據《個人資料(私隱)條例》(香港法例第486章)發出的《銀聯國際私隱政策》中的說明收集、持有、使用、處理及轉移您在流覽、註冊、登錄銀聯網站或平臺、連結銀行卡的資料(如銀行卡號等)、使用本服務協議下服務以及使用銀聯卡消費過程中所產生的個人資料、交易數據、商戶資料及其他數據資料(以下簡稱“用戶資料”)。一經使用銀聯手機應用程式服務,您承認您已閱讀並同意《銀聯國際私隱政策》。以上用戶資料的收集僅限於為實現並優化銀聯卡交易、改進支付體驗所須的資料以及直接促銷活動等用途。如果您無法提供相關用戶資料,您將無法完成賬戶註冊以實現銀聯卡交易。銀聯將採取必要、合理的措施確保用戶資料的安全。如因您自身原因泄露您的用戶資料,因此造成的一切後果由您自行承擔,銀聯對此不承擔任何責任。若對本條款的內容有任何疑問,請致電銀聯官方熱線800-967-222查詢。
2、您同意並授權銀聯及其關聯公司在法律法規允許的範圍內無償使用、分析及處理您的用戶資料,並且允許銀聯及其關聯公司將您的用戶資料轉授權給銀聯其他合作夥伴使用、分析及處理。此外,無論您的用戶資料是在何處被收集,您理解並同意您的用戶資料可能因為本服務協議中提到的目的被傳輸到其他法律管轄區域。
3、銀聯不會對外公開或向任何第三方提供您的用戶資料,但以下情形除外:
(1)根據本服務協議的約定已獲得您的授權;
(2)根據有關法律法規或司法機關的要求。
4. 您有權根據相關法律向銀聯提出數據訪問請求,數據修改請求,以及個人數據刪除請求。
1、您在使用本服務協議項下的服務時應遵守您所在國家或地區的相關法律與法規,不得將本服務用於任何非法目的,也不得以任何非法形式使用本服務。出現以下情形時,銀聯有權在不事先通知您的情況下暫停或終止向您提供本服務或本服務的任何部分,因此給您造成的任何損失,銀聯不承擔任何責任:
(1)銀聯認為您違反法律、法規的禁止性規定或違反本服務協議約定;
(2)銀聯發現異常交易或認為交易存在風險或有違反法律、法規規定或本服務協議約定的可能。
2、您不得利用本服務協議項下的服務從事如下侵害他人合法權益之行為,否則銀聯有權拒絕為您提供服務,且您應承擔一切法律責任。如因此導致銀聯或相關方遭受任何損失,您應依法承擔相應的賠償責任。相關行為包括但不限於:
(1)侵害銀聯和/或任何第三方名譽權、私隱權、商業秘密、商標權、版權、專利權及其他人身和財產權利;
(2)違反法定或本服務協議約定之保密義務;
(3)冒用他人名義使用本服務;
(4)從事不法交易行為及/或其他銀聯或有關監管機構認為不得透過本服務協議進行交易的行為;
(5)使用盜竊或偽造的銀聯卡賬戶或無效銀聯卡賬戶進行交易;
(6)違反《信用卡業務監管政策手冊》使用銀聯卡;
(7)進行與您或交易對方宣稱的交易內容不符的交易,或無真實交易背景的虛假交易;
(8)從事任何可能含有電腦病毒或是可能侵害銀聯服務系統之行為;
(9)其他銀聯有正當理由認為不適當之行為。
1、"銀聯在線支付",是指銀聯向您提供,按照銀聯業務規則或發卡機搆網銀支付產品要求完成對您的身份驗證後,由發卡機搆按銀聯傳輸的您的付款指示將您銀聯卡賬戶內資金向商戶進行付款的支付服務。
2、“小額臨時支付”,是指在業務開通環節,如果您沒有向您的發卡機搆為您的提款卡留存手機號碼,則在您輸入的其他驗證要素通過您的發卡機搆驗證的情況下,您的發卡機搆同意由銀聯為您開通具有一定有效期及額度限制的支付業務。後續支付時,您只需在商戶頁面輸入提款卡號碼和短信驗證碼,驗證通過後即可在有效期和限額內完成支付的支付方式。
3、“業務開通”,是指您在首次使用銀聯在線支付業務時,在銀聯網站、銀聯或發卡授權渠道(包括但不限於短信、電話等)提供驗證要素後向您的發卡機搆提出業務開通申請,您的發卡機搆驗證通過後為您開通銀聯在線支付業務的過程。
4、“增值服務”,是指您註冊銀聯賬戶或開通銀聯在線支付業務後,銀聯將根據您的交易需求和消費需求,通過銀聯網站、短信平臺、郵件平臺或電話平臺向您提供的推送優惠資料及其他相關服務
5、“增值權益”,是指銀聯或與銀聯有合作關係的機構向您提供的積分、優惠券等增值權利或利益。
您了解並知悉,銀聯僅負責為您使用銀聯在線支付服務提供資料傳輸通道,為您和您的發卡機搆轉遞資料。您在支付環節仍應遵守您的發卡機搆發佈的公告、章程或與您簽署的與銀聯在線支付業務有關的協議。如您對您銀行卡內的資金流向或狀態產生任何疑問,您應及時與您的發卡機搆聯系。
為有效保障您登錄銀聯在線支付賬戶進行交易時的合法權益,您理解並同意接受以下規則:
1、您註冊銀聯賬戶後可以登錄瀏覽銀聯網站內容,但您的賬戶仍不具備支付功能。您登錄銀聯賬戶並成功連結銀行卡後方可使用銀聯在線支付功能進行支付,您連結銀行卡的行為即表示您同意開通銀聯在線支付功能。
2、銀聯僅根據您發卡機搆的委託,就協助您連結銀行卡提供輔助服務,由於連結銀行卡本身可能存在的風險,您應充分知曉並自行承擔相關風險。
3、銀聯通過您的用戶名和密碼識別您的指示。在您選擇連結銀行卡進行支付後,銀聯將向您連結銀行卡的發卡機搆發送支付指示,由您的發卡機搆驗證後從您的銀聯賬戶扣除或凍結相關款項。您發出的指示不可撤回或撤銷。
4、銀聯提供的支付服務受您連結的銀行卡的狀態制約,如該卡因掛失、止付等原因不能使用,相關服務將自動中止。您連結的銀行卡狀態恢復正常並重新提出申請時,銀聯才會重新提供相應服務。
5、您在使用銀聯在線支付進行支付的過程中應當及時登錄銀聯網站查看並確認相關資料並及時進行相關操作,否則因此導致的任何風險和損失由您自行承擔,銀聯不承擔任何責任。
6、在進行支付交易之前,您必須檢查和確保所有與您進行支付交易相關的信息均為準確。您知悉並同意任何已完成的交易不可被撤回或取消。如按您的指示執行付款,銀聯無須就向錯誤或非預期的商戶轉賬而承擔責任,亦無責任討回有關付款。因此您須負責由您或由任何其他人士以您的用戶名和密碼登入銀聯賬戶手機應用程式發出的所有指示。
1、如您未註冊銀聯賬戶而需使用銀聯在線支付功能進行支付,您需要進行業務開通,按照要求提供相關驗證要素並提交開通申請指示,銀聯將根據您的指示向您銀行卡的發卡機搆發出開通請求。
2、您在業務開通過程中,應妥善保管銀行卡資料、身份資料和手機資料(包括短信驗證碼內容),不得將銀行卡資料、身份資料和手機資料(包括短信驗證碼內容)轉告或泄漏給他人,否則由此產生的風險及損失由您自行承擔。如需更改與銀行卡連結的手機號碼,您可憑您發卡機搆要求的證件和銀行卡通過發卡機搆指定渠道,包括但不限於銀行櫃臺、自助終端、網上銀行、電話銀行等方式重新設置。
3、業務開通後,您可以通過銀聯網站或您銀行卡的發卡機搆許可的其他渠道申請註銷該業務功能。
1、小額臨時支付開通後,銀聯有權根據您或商戶的風險情況調整單卡、單筆或單卡累計交易限額,調整小額臨時支付有效期甚至選擇暫停小額臨時支付業務。
2、如您在小額臨時支付有效期內未通過您的發卡機搆支持的業務渠道留存手機號碼並通過您的發卡機搆或銀聯渠道進行業務開通,銀聯有權在有效期屆滿之日選擇暫停您的小額臨時支付權限。
銀聯不會因您自身過錯導致的任何損失承擔責任,該等過錯包括但不限於:
1、您的手機遺失或您提供的手機號碼有誤;
2、您在支付過程中,未核對交易資料而導致您支付的交易與您本來欲進行的交易事項不一致;
3、您未按照本服務協議內容或銀聯網站的操作提示進行操作,或未及時修改密碼導致密碼被他人破解;
4、您未妥善保管您的銀聯在線支付賬戶資料、銀行卡資料、個人身份資料或手機資料(包括短信驗證碼),而導致該等資料泄漏。
1、“銀聯手機支付”,是指銀聯向您提供,按照銀聯業務規則要求完成對您的身份驗證後,由發卡機搆按銀聯傳輸的您的付款指示將您銀聯賬戶內資金向商戶進行付款的支付服務。
2、“銀聯手機安全支付控件”,是指嵌入商戶手機客戶端應用的程式組件,用於提供安全支付環境,實現無縫購物支付流程,滿足用戶支付、查詢等需求。
3、“銀聯手機支付客戶端”,是銀聯整合線上和線下資源、為用戶打造的遠程支付產品,該產品支援金融服務、便民服務、休閒娛樂、商旅服務、手機商城等各種內容應用。
4、“金融智能卡”,是指內置了金融支付晶片的記憶卡或SIM卡。
5、“小額臨時支付”,是指在業務開通環節,如果您沒有向您的發卡機搆為您的提款卡留存手機號碼,則在您輸入的其他驗證要素通過您的發卡機搆驗證的情況下,您的發卡機搆同意由銀聯為您開通具有一定有效期及額度限制的支付業務。後續支付時,您只需在商戶頁面輸入銀聯卡號碼和短信驗證碼,驗證通過後即可在有效期和限額內完成支付的支付方式。
6、“業務開通”,是指您在首次使用銀聯手機支付業務時,在銀聯網站、銀聯或發卡機搆授權渠道(包括但不限於短信、電話等)提供驗證要素後向您的發卡機搆提出業務開通申請,您的發卡機搆驗證通過後為您開通銀聯手機支付業務的過程。
7、“增值服務”,是指您註冊銀聯賬戶或開通銀聯手機支付業務後,銀聯將根據您的交易需求和消費需求,通過銀聯手機支付客戶端、短信平臺、郵件平臺或電話平臺向您提供的推送優惠資料及其他相關服務。
8、“增值權益”,是指銀聯向您提供的銀聯積分等增值權利或利益。
您可以通過安裝有銀聯手機支付客戶端的移動終端或其他數碼終端或銀聯手機支付合作商戶的客戶端使用銀聯手機支付業務。
1、金融智能卡不能通過電腦或手機格式化,否則將影響銀聯手機支付軟體的使用。若您不小心執行了格式化操作,請到提供該金融智能卡的服務中心修復。
2、您更換手機號碼後請及時通過發卡機搆指定的渠道變更手機號碼,否則因此產生的任何損失和責任,由您自行承擔。
3、與本服務有關的電話費用及網路費用由您自行承擔,欠交費用可能會導致業務不能正常使用,請您注意及時充值。
4、因您擅自轉讓或授權他人使用您的金融智能卡而產生的任何風險和責任由您自行承擔,銀聯對此不承擔任何責任。
5、您不得利用任何技術或手段破壞或擾亂銀聯手機支付平臺程序的正常運行。
本專用條款未規定之事宜將受銀聯在線支付專用條款管轄。
“雲閃付”系指銀聯直接向持卡人提供積分、優惠券、電子票等增值服務的持卡人服務平臺。持卡人可以通過銀聯網站、手機終端或其他終端註冊並登錄雲閃付。
成功註冊銀聯賬戶後,您須連結銀行卡,方可使用雲閃付提供的全部增值服務。
1、“優惠券”系指由相關商戶提供且用戶通過雲閃付獲取的電子憑證,用戶憑優惠券在消費時享受一定價款折扣或抵扣。
2、您知悉並同意:
1) 優惠券是由商戶提供,銀聯僅提供優惠券獲取的平臺或代為發放優惠券,您應根據提供優惠券的商戶所公告的優惠券使用規則(包括其不時的修訂)使用優惠券,以商戶公佈的優惠券使用規則為准。
2) 您可以通過以下兩種途徑獲取優惠券:
主動獲取:您在雲閃付通過下載獲取優惠券;
自動獲取:在您滿足一定條件的前提下,雲閃付將自動將商戶提供的優惠券推送至您的銀聯賬戶。自動獲取的條件由銀聯與合作商戶自行決定,銀聯與有關商戶擁有最終酌情決定權,且無需告知您。
3、優惠券由合作商戶提供,雲閃付僅提供優惠券的下載平臺或推送優惠券;銀聯不對優惠券的真實性、合法性、可使用性提供任何擔保;因優惠券而產生的任何爭議或損失,由您和提供優惠券的商戶自行解決,銀聯不承擔任何責任。
1、“電子票”系指由相關商戶提供且用戶通過雲閃付獲取或管理的電子憑證,可視為普通紙質票的電子形式,用戶憑電子票可以進入至電子票對應的影院、公園、展覽館、博物館等。
2、電子票由合作商戶提供,銀聯僅在雲閃付展示並供您下載使用該等電子票或推送該等電子票;銀聯並不對該等電子票的真實性、合法性或可使用性提供任何擔保;因電子票而產生的任何爭議或損失,由您和提供電子票的商戶自行解決,銀聯不承擔任何責任。
1、銀聯向您提供的服務,僅按當時的實際狀態提供,銀聯不提供任何明示或默示的擔保。
2、您知悉並同意銀聯不就下列原因對您產生的任何損害承擔責任,包括但不限於直接損失和間接損失、名譽和聲譽損害以及精神損害:
(1)因商戶或銀行的原因導致銀聯無法正常提供本服務;
(2)電信設備、電力系統出現故障或其他第三方引起的服務不能或延遲;
(3)銀聯在銀聯網站公告之系統停機維護期間導致無法正常提供服務;
(4)因電腦或手機病毒、黑客攻擊、系統不穩定、用戶所在位置、用戶關機以及其他任何網路、技術、通信線路等原因造成的服務終端不能滿足用戶要求的情況;
(5)不可抗力:包括但不限於戰爭、洪水、火災、颱風、海嘯、地震、政府行為等一切不能預見、不能避免和不能克服的客觀情況;
(6)因您自身原因導致的損失以及其他非因銀聯過錯而產生的損失。
3、銀聯不提供有關本服務協議項下銀聯賬戶的任何保證,包括但不限於對以下方面的保證:i)銀聯用戶服務將滿足您的要求;ii)銀聯用戶服務將不會中斷,將具有及時性或不帶有任何差錯;或iii)您就該服務獲得的任何產品、數據或材料均可滿足您的要求。
4、在法律允許的最大範圍內,銀聯及其關聯方均無需對因您使用或無法使用銀聯用戶服務產生的任何間接的、附帶的、特別的或懲罰性的損害賠償承擔責任,包括但不限於對因合同、過失、侵權或其他原因產生的利潤或收入損失、業務中斷、業務機會喪失、資料丟失或其他經濟利益損失的損害賠償。
1、如無特別聲明,銀聯的任何設計、文字、圖像、圖表、音頻、視頻、終端軟件等資料、材料或代碼等內容的版權均歸銀聯所有。如未經銀聯書面同意,您不得以任何方式複製、使用、出售,但如果該等複製或使用是出於使用本服務的目的除外。
2、“銀聯”、“銀聯在線支付”、“銀聯手機支付”、“雲閃付”、“銀聯及三色圖形”、“UnionPay、銀聯及三色圖形”以及其它任何用來標識中國銀聯及相關業務的文字、圖形及其它可視性標誌,都是屬於銀聯所有的商標。銀聯對上述標識享有商業標示性權益,受法律保護。未經銀聯事先書面同意,您不得擅自修改、註冊、複製或以其它方式使用上述商標。
3、您在使用銀聯相關服務過程中不得侵犯銀聯或任何第三方就其知識產權擁有的合法權益,否則您將承擔因此產生的一切法律責任。
1、您應真誠地使用銀聯賬戶服務,並遵守全部適用的法律與法規。
2、就使用銀聯賬戶服務而言,您不得:
(1)提供虛假、不準確或有誤導性的資料;
(2)利用銀聯賬戶服務從事任何非法行為,包括網上賭博,不論網上賭博在您所在的司法管轄區內是否被允許;
(3)利用銀聯賬戶服務對銀聯的關聯方或其他成員或使用者或服務商進行欺詐,或從事其他非法活動(包括但不限於從事被法律禁止的產品或服務交易);或
(4)以某種方式利用銀聯賬戶服務,該方式有可能導致銀聯、其他賬戶或第三方面臨投訴、爭議、索賠、罰款或其他責任,或有可能被視為是對銀聯賬戶服務的濫用。
3、若銀聯依自行判斷認為您可能已從事了上述被禁止的行為,銀聯有權採取相應措施,包括但不限於以下行動:
(1)暫停銀聯賬戶服務或限制您使用銀聯賬戶服務;
(2)終止本協議並拒絕向您提供銀聯賬戶服務;或
(3)追究您的法律責任。
4、您將自行承擔全部就您使用銀聯賬戶購買的產品或服務或進行的任何其他交易或透過任何其他交易產生的任何稅款、關稅或其他政府徵收的費用,及任何其他財務費用。
5、如您需向銀聯提供任何由某第三方擁有或僅向某第三方賦予的個人資料、知識產權、商業秘密或其他資訊,您保證您收到該第三方明確及充分的授權,允許您使用及向銀聯提供該些個人資料、知識產權、商業秘密或其他資訊。
6、在受限於任何適用的法律和法規的前提下,若因您違反了任何適用的法律或法規、本服務協議或相關政策,我們將不再繼續向您提供銀聯賬戶服務,且您的銀聯賬戶將被關閉。
銀聯未有或延遲行使任何權利、權力或補救方法,並不會構成銀聯放棄行使該等權利、權力或補救方法,而銀聯行使任何一項或部分的權利、權力或補救方法,亦不會排除銀聯行使其他或進一步行使權利、權力或補救方法。本服務協議下的任何權利、權力或補救方法應被視為法律授予銀聯以外,銀聯可享有的額外及累積的權利、權力或補救方法。
本服務協議由本服務協議正文、附件,以及銀聯已經發佈或將來可能發佈的各項業務的使用條款、規則、指引和其他公示、公告組成。
除您及銀聯以外,並無其他人士有權按《合約(第三者權利)條例》(香港法例第623條)強制執行本服務協議的任何條文,或享有本服務協議的任何條文下的利益。
本服務協議受香港法律管轄並按其詮釋。雙方同意盡合理努力,協商解決任何因本服務協議產生或與之相關的爭議;若協商不成,雙方同意服從香港法院的專屬管轄權。
如果本服務協議的任何條款被認定為無效、不合法或不可執行,本服務協議其餘條款仍然有效並具有約束力。
如您使用中銀卡連結雲閃付,即被視為已閱讀、明白及同意《中國銀行(香港)有限公司使用流動支付服務之流動卡的條款及細則》 (“中銀香港條款及細則”),並同意受其約束 (以中國銀行(香港)有限公司(“中銀香港”)不時修訂之版本為準)。
請點擊此處或访问https://www.bochk.com/dam/more/mobile/tnc.pdf查看該中銀香港條款及細則。
前述條款及細則適用於中銀香港向您提供的服務,不構成銀聯國際有限公司在該服務項下對您的任何義務或責任,如對條款及細則的效力與內容存在疑義,請聯繫中銀香港。
CONTENTS
Part I Acceptance of Terms of this Service Agreement
Part II General Terms of this Service Agreement
Part III Specific Terms of UnionPay Online Payment
Part IV Specific Terms of UnionPay Mobile Payment
Part V Specific Terms of UnionPay App
Part VI Other General Terms
Part VII Appendix “Bank of China (Hong Kong) Limited Terms and Conditions for Use of Mobile Card for Mobile Payment Service”
This Service Agreement is executed between UnionPay International Co., Ltd. (hereinafter referred to as “UnionPay”) and the cardholder who wishes to register as a UnionPay User (hereinafter referred to as “you”). This Service Agreement has specified the terms and conditions for your login and use of the UnionPay APP and is binding on you. You should carefully read all the contents under this Service Agreement and pay attention to the sections shown in bold.
(1)“UnionPay User” means the cardholder who successfully registers the UnionPay Account thorough the website of UnionPay and other channels authorized by UnionPay. The user who has not registered thorough the website of UnionPay and other relevant platforms, but log in by using the account of participating merchants and use the products and services of UnionPay according to the agreements between UnionPay and participating merchants will be deemed as the UnionPay User during the period of cooperation between UnionPay and such merchants.
(2)“UnionPay Account” means the relevant electronic account generated by the system after successful registration by the UnionPay User, which is used for storing the relevant personal data of the UnionPay User, information of the bound bank cards, information required for using UnionPay services, etc.
(3)“Binding of Bank Card” means the activity of binding your bank card number to your registered UnionPay Account after you are registered as a UnionPay User.
(4)“General Terms” means the terms applicable to all services provided by UnionPay under this Service Agreement.
(5)“Specific Terms”means the terms applicable to the specific services provided by UnionPay.
(1)You confirm that before registration of you as a UnionPay User, you have fully read, understood and accepted all contents of this Service Agreement; by choosing "Agree", you confirm and fully accept to be bound by the terms of this Service Agreement. If you have any questions about the contents of this Service Agreement, please call the UnionPay official hotline at 800-967-222 for query.
(2)You confirm, represent and warrant that when you agree to accept this Service Agreement and apply for registration of the UnionPay Account, you have reached the legal age for entering into a binding contract, or you have been duly authorized to agree to this Service Agreement and perform the obligations under this Service Agreement on behalf of such organization or entity; the contents of this Service Agreement will not be excluded by the laws of your country or region. If the aforesaid conditions are not satisfied, you should immediately cease to apply for using this service.
You agree that, according to laws, business development needs and other needs, UnionPay has the right to amend the contents of this Service Agreement, amend this Service Agreement from time to time and make announcements on the website of UnionPay without giving separate notice. The amended contents of this Service Agreement will take effect immediately upon the announcement and will replace the original contents, you should periodically review this Service Agreement and its contents as amended.If you do not agree to the amendments made by UnionPay to this Service Agreement, you have the right to cease to use the services under this Service Agreement or de-register the relevant UnionPay Account. If you continue to use the services under this Service Agreement after the announcement of the amendments to this Service Agreement, you will be deemed as having fully read, understood and accepted the amended contents of the agreement, and will use the service under this Service Agreement and perform the obligations under this Service Agreement in accordance with the amended contents of agreement. Each time you use the services under this Service Agreement, you confirm and agree to be bound by this Service Agreement as amended from time to time.
(4)You confirm and agree that UnionPay will not be involved in any disputes or controversies between you and the merchants arising out of the quality, safety, legality or other aspects of the goods or service provided by such merchants in the course of your use of the services under this Service Agreement. Such disputes or controversies shall be resolved through negotiation by yourself with such merchants and UnionPay will not be held responsible in any respect.
(5)You are aware and agree that UnionPay or its affiliates will provide you with relevant information push service through communication tools like mobile phones according to the characteristics of different users and the information to be pushed includes but not limited to service information, offer information, coupons, and e-tickets. If you do not agree with UnionPay or its affiliates to push aforesaid information to you, you can call UnionPay official hotline at 800-967-222 to cancel such information push service.
(6)You confirm that, according to the reminder of UnionPay, you have fully understood and agreed to the terms of this Service Agreement that exclude and limit the liability of UnionPay, or that may aggravate your liability or exclude your rights.
A.Obtaining of UnionPay Account
(1)After the successful registration of the UnionPay Account, you will obtain the right granted by UnionPay to use the UnionPay Account. The ownership of the UnionPay Account belongs to UnionPay. The UnionPay Account is for your personal use only and can’t be donated, borrowed, rented, transferred or sold, otherwise you shall be responsible for any losses arising therefrom, and UnionPay has the right to unilaterally suspend or terminate the use of such UnionPay Account and/or immediately terminate this Service Agreement.
(2)You warrant that the information provided upon your registration of the UnionPay Account is the information of your own and such information is true, accurate and complete, otherwise you shall be responsible for all the consequences arising therefrom, and UnionPay shall not be held responsible in any respect.
(3)If there is any change to the personal data provided by you upon the registration of the UnionPay Account, you should promptly log in the UnionPay Account to update your personal data, otherwise you shall be responsible for all the consequences arising therefrom, and UnionPay shall not be held responsible in any respect. If your personal data (such as registered phone number) needs to be changed, you may need to accept different terms of service.
B.Use of UnionPay Account
(1)After successful registration of the UnionPay Account, you can log in the website of UnionPay and each service platform of UnionPay. However, before you use the service provided by UnionPay under this Service Agreement, you must carefully read the specific terms of such service and supplement the complete and relevant information as required, otherwise you may not be able to use such service.
(2)You should properly keep the username and password of your UnionPay Account and change the password regularly to ensure the security of the UnionPay Account. If your UnionPay Account is illegally used by others due to your improper keeping or failure to change the password regularly, you shall be responsible for all the consequences, and UnionPay shall not be held responsible in any respect.
(3)You shall take full responsibility for: i) protecting the confidentiality and security of your username and password; ii) all transactions and activities that occur under your username and password; and iii) all consequences resulting from using or improperly using your username and password.
(4)Each UnionPay Account can only have one group of individual username and password. You should not share your UnionPay Account or your username and password with others, nor should you transfer your UnionPay Account or your username and password to others or allow others to use them. You acknowledge and agree that sharing your UnionPay Account with others or otherwise allowing others to use your UnionPay Account (“Multiparty Use”) may cause irreparable damages to UnionPay, and if any loss or damage is incurred to UnionPay as a result of Multiparty Use of the UnionPay Account, you shall be responsible for indemnifying UnionPay against such loss or damage. You undertake and agree that you will notify UnionPay immediately in the event of any unauthorized use of your UnionPay Account or your username or password or any other violation of security. You agree that UnionPay will not be liable for any losses or damages incurred as a result of your failure to comply with this clause.
(5)You are aware and agree that due to the characteristics of the network, UnionPay cannot verify the personnel using your UnionPay Account and therefore, any actions taken on the website of UnionPay and the platform of service and product through your UnionPay Account will be deemed to be made by yourself and you shall be liable and responsible for all the consequences. If you find your UnionPay Account to be maliciously used, you should promptly give notice to UnionPay and UnionPay can take measures such as freezing the account to protect your rights and interests. You understand and agree that UnionPay can only take actions after a reasonable period of time upon your request for freezing and UnionPay will not be liable for any loss that have been incurred before the account is frozen.
(6)You are aware and agree that UnionPay may cooperate with merchants to make it possible for you to log in relevant merchant’s platform by using UnionPay Account. By logging into the merchant’s platform, you are deemed to have agreed to the relevant requirements and regulations of the merchant against its users. Any disputes between you and such merchant shall be resolved through negotiation by yourself with such merchant and UnionPay shall not be held responsible in any respect.
(7)You are aware and agree that UnionPay may impose restrictions on your transaction amount in accordance with local regulatory requirements or relevant requirements of the issuing institution.
C.Freezing and De-registration of UnionPay Account
(1)If you do not wish to continue to use the UnionPay Account, you can call the UnionPay official hotline at 800-967-222 to request de-registration. Before the de-registration of the UnionPay Account, you must pay off any outstanding debt and perform the outstanding obligations under this Service Agreement. After the de-registration, all the unused rights and interests that you have obtained through UnionPay will be null and void, and you will not be able to continue to use all the services provided by UnionPay under this Service Agreement. If you do not wish to open or continue to use one particular service provided by UnionPay, you can call the UnionPay official hotline at 800-967-222 to close or terminate such service.
(2)If you conduct any action that violates this Service Agreement or laws and regulations, you shall bear all the legal responsibilities. Meanwhile, UnionPay has the right to suspend the provision of service to you under this Service Agreement and unilaterally freeze or de-register your UnionPay Account, in which case you shall be responsible for all the risk and loss arising therefrom and UnionPay shall not be held responsible in any respect.
(1)You are aware and agree that UnionPay has the right to collect, hold, use, process and transfer the information (e.g. bank card number, etc.) regarding your browsing, registration, login of, or on the website or platform of UnionPay and Binding of Bank Card, the personal data, transaction data, merchants data and other data generated during the use of services hereunder and the consumption by using UnionPay card (hereinafter referred to as “User Information”) pursuant to the terms of the UnionPay International Privacy Notice issued in accordance with the Personal Data (Privacy) Ordinance (Chapter 486 of the Laws of Hong Kong). Once you use the service of UnionPay APP, you acknowledge that you have read and agreed to the UnionPay International Privacy Notice. The above User Information can only be collected for the purposes of achieving and optimizing the transactions of UnionPay card, providing a better payment experience, direct promotion activities, etc. If you are unable to provide relevant User Information, you will not be able to complete account registration for purpose of transactions of UnionPay card. UnionPay will take necessary and reasonable measures to ensure the security of User Information. If your User Information is divulged for your own reasons, you shall be responsible for all the risk and loss arising therefrom, and UnionPay shall not be held responsible in any respect. If you have any questions about the content of this clause, please call the UnionPay official hotline at 800-967-222 for query.
(2)You agree and authorize UnionPay and its affiliates to use, analyze and process your User Information for free to the extent permitted by laws and regulations, and allow UnionPay and its affiliates to delegate your User Information to other partners of UnionPay for use, analysis and process. In addition, regardless of where your User Information is collected, you understand and agree that your User Information may be transferred to other jurisdictions for the purposes as mentioned in this Service Agreement.
(3)UnionPay will not publish or disclose your User Information to any third party, except for the following circumstances:
(a)your authorization has been obtained in accordance with the terms of this Service Agreement;
(b)it is required by relevant laws and regulations or judicial authorities.
(4)You have the right to submit requests to UnionPay for data access, data amendment and personal data deletion in accordance with relevant laws.
(1)Your use of the services under this Service Agreement shall be subject to the laws and regulations of your country or region, and this service shall not be used for any illegal purpose or in any illegal manner. If any of the following circumstances occurs, UnionPay has the right to suspend or terminate the provision of all or part of this service to you without prior notice, and UnionPay shall not be liable for any loss incurred to you thereby:
(a)UnionPay believes that you have violated the prohibitive provisions of laws and regulations or the provisions of this Service Agreement;
(b)UnionPay finds abnormal transactions or believes that the transaction is risky or is likely to violate the laws, regulations or this Service Agreement.
(2)You may not use the services under this Service Agreement to engage in the following activities that infringe upon the lawful rights and interests of others, otherwise UnionPay has the right to refuse to provide services to you and you shall bear all the legal responsibilities. If any loss is incurred to UnionPay or relevant parties, you shall take corresponding compensation responsibilities in accordance with laws. Relevant activities include but not limited to:
(a)infringing right of reputation, right to privacy, trade secrets, trademark right, copyright, patent right and other personal and property rights of UnionPay and/or any third party;
(b)violating confidentiality obligations under statutory or this Service Agreement;
(c)falsely using this service in the name of others;
(d)conducting unlawful transactions and/or other actions that, in the opinion of UnionPay or relevant regulatory authority, can’t be conducted through this Service Agreement;
(e)using a stolen, forged or invalid UnionPay card account for trading;
(f)using UnionPay cards in violation of the Credit Card Business Supervisory Policy Manual;
(g)conducting a transaction that does not align with the transaction content claimed by you or the counterparty, or conducting a sham transaction that has no real transaction background;
(h)conducting any actions that may contain a computer virus or may infringe the UnionPay service system;
(i)other actions as UnionPay deems inappropriate with good causes.
(1)“UnionPay Online Payment” means the payment service provided by UnionPay to you, i.e. payment made by issuing institution to the merchants with the funds in your UnionPay card account in accordance with your payment instructions transferred by UnionPay, after your identity verification is completed in accordance with UnionPay business rules or the requirements of online banking payment products of the issuing institution.
(2)“Temporary Micropayment” means that in the Business Opening stage, if you have not left your mobile phone number at your issuing institution for your UnionPay card, your issuing institution agrees that UnionPay will open a payment business with a certain validity period and amount limit for you after the other verification factors you entered are verified by your issuing institution. For subsequent payment, you only need to enter the card number and the verification code on the merchant page and you will be able to complete the payment within the validity period and the amount limit after the verification.
(3)“Business Opening” means the process that when you use the UnionPay Online Payment service for the first time, you submit an application for opening business to your issuing institution after the verification factors are provided by the website of UnionPay, authorized channels of UnionPay or issuing institution (including but not limited to SMS, phone call, etc.), after which your issuing institution will open the UnionPay Online Payment for you after verification.
(4)“Value-added Service” means the push offer information service and other relevant services provided by UnionPay to you through the website of UnionPay, SMS platform, mail platform or telephone platform according to your transaction and consumer demand after your registration of the UnionPay Account or open the UnionPay Online Payment business.
(5)“Value-added Interests” means the value-added rights or interests provided by UnionPay or a cooperative institution of UnionPay such as points, coupons, etc.
You know and are aware that UnionPay is only responsible for providing information transmission channel for your use of UnionPay Online Payment service and transferring information for you and your issuing institution. You should still abide by the announcements, articles of association issued by your issuing institution or the agreement executed between you and the issuing institution regarding the UnionPay Online Payment service. If you have any questions about the flow or status of funds in your bank card, you should contact your issuing institution promptly.
In order to effectively protect your legitimate rights and interests when you log in the UnionPay Online Payment account, you understand and agree to accept the following rules:
(1)You can log in browse the contents of the website of UnionPay after registration of the UnionPay Account, but your account still does not have the payment function. You can use the UnionPay Online Payment to conduct online payment when you log in the UnionPay Account and successfully make the Binding of Bank Card, and your action of Binding of Bank Card means that you agree to open the UnionPay Online Payment function.
(2)UnionPay only provides you with ancillary services regarding Binding of Bank Card based on the delegation of your issuing institution, and you should be fully aware of and bear the relevant risks by yourself.
UnionPay uses your username and password to identify your instructions. After you choose the bound bank card for payment, UnionPay will send a payment instruction to the issuing institution of your bound bank card and relevant amount will be deducted or frozen from your UnionPay Account after verification by your issuing institution. The instructions sent by you are irrevocable or irreversible.。
(4)The payment service provided by UnionPay is restricted by the status of your bound bank card, if the card cannot be used due to loss, stop payment, etc., relevant service will be automatically suspended. UnionPay will resupply relevant service when the status of your bound bank card is resumed to normal and the application is re-submitted.
(5)In the process of using UnionPay Online Payment for payment, you should log in the website of UnionPay in time to check and confirm relevant information and conduct relevant operations in a timely manner, otherwise you shall be responsible for all the risks and losses arising therefrom, and UnionPay shall not be held responsible in any respect.
(6)Before conducting a payment transaction, you must examine and ensure that all information related to your payment transaction is accurate. You are aware and agree that any completed transaction cannot be withdrawn or cancelled. If the payment is exercised in accordance with your instructions, UnionPay will not be responsible for transferring to wrong or unexpected merchants, nor will UnionPay be responsible for recovering relevant payment. Therefore, you shall be responsible for all instructions issued by you or by any other person through logging into the UnionPay Account mobile APP with your username and password.
(1)If you have not register for UnionPay Account but need to use the UnionPay Online Payment for payment, you will need to open the business, provide relevant verification factors as required and submit the instruction for opening application, UnionPay will issue an opening request to the issuing institution of your bank card according to your instruction.
(2)During the business opening process, you should properly store your bank card information, identity information and mobile phone information (including the content of verification code), and you should not tell or leak your bank card information, identity information and mobile phone information (including the content of verification code) to others, otherwise you shall be responsible for all the risks and losses arising therefrom. If you need to change the phone number bound to the bank card, you can reset it with the credentials required by your issuing institution and the bank card through the channels designated by the issuing institution, including but not limited to bank counters, self-service terminals, online banking, mobile-phone banking, etc.
(3)After the business is opened, you can apply for de-registration of such business function via the website of UnionPay or other channels permitted by the issuing institution of your bank card.
(1)After the Temporary Micropayment is opened, UnionPay has the right to adjust the trading limit on single card, single payment or cumulative amount of single card, adjust the validity period of the Temporary Micropayment or even choose to suspend the Temporary Micropayment business,according to the risk situations of you or the merchants.
(2)If you do not leave your mobile number through the business channels supported by your issuing institution within the validity period of Temporary Micropayment and do not open the business through your issuing institution or through UnionPay channels, UnionPay has the right to suspend your right of Temporary Micropayment on the expiration date of the validity period.
UnionPay will not be responsible for any losses caused by your own fault. Such fault includes but not limited to:
(1)Your mobile phone is lost or your phone number is incorrect;
(2)During the payment process, you do not check the transaction information, which leads to the inconsistent between the transaction you paid and the transaction you originally intend to conduct;
(3)You fail to operate in accordance with the contents of this Service Agreement or the operation instructions on the website of UnionPay, or fail to change the password in time which causes the password being cracked by others;
(4)You do not properly kept your UnionPay Online Payment account information, bank card information, personal identification information or mobile phone information (including verification code), which causes the information being leaked.
(1)“UnionPay Mobile Payment” means the payment service provided by UnionPay to you, i.e. payment made by issuing institution to the merchants with the funds in your UnionPay card account in accordance with your payment instructions transferred by UnionPay, after your identity verification is completed in accordance with UnionPay business rules.
(2)“UnionPay Mobile Security Payment Control” means the formula modules embedded in the merchants’ apps, which are used to provide a secure payment environment, establish a seamless shopping payment process, and meet the needs of users for payment and query.
(3)“UnionPay Mobile Payment APP” means a remote payment product made by UnionPay for users with integration of online and offline resources for users, such product supports applications of various contents including financial services, convenience services, leisure and entertainment, business travel services, and the mobile phone store.
(4)“Financial IC Card” means a memory card or a SIM card with a built-in financial payment chip.
(5)"Temporary Micropayment" means that in the Business Opening stage, if you have not left your mobile phone number at your issuing institution for your UnionPay card, your issuing institution agrees that UnionPay will open a payment business with a certain validity period and amount limit for you after the other verification factors you entered are verified by your issuing institution. For subsequent payment, you only need to enter the card number and the verification code on the merchant page and you will be able to complete the payment within the validity period and the amount limit after the verification.
(6)“Business Opening” means the process that when you use the UnionPay Mobile Payment service for the first time, you can submit an application for opening business to your issuing institution after the verification factors are provided by the website of UnionPay, authorized channels of UnionPay or issuing institution (including but not limited to SMS, phone call, etc.), after which your issuing institution will open the UnionPay Mobile Payment business for you after verification.
(7)“Value-added Service” means the push offer information service and other relevant services provided by UnionPay to you through the UnionPay Mobile Payment APP, SMS platform, mail platform or telephone platform according to your transaction and consumer demand after your registration of the UnionPay Account or open the UnionPay Mobile Payment business.
(8)“Value-added Interests” means the value-added rights or interests provided by UnionPay such as UnionPay points.
You can use the UnionPay Mobile Payment service through mobile terminal with UnionPay Mobile Payment APP or other digital terminals or apps of participating merchants of UnionPay Mobile Payment.
(1)Financial IC Card cannot be formatted by computers or mobile phones, otherwise the use of UnionPay Mobile Payment software will be affected. If you accidentally perform the formatting operation, please go to the service center that provided this Financial IC Card to fix it.
(2)After you change your phone number, please change your phone number in time through the channels designated by the issuing institution, otherwise you shall be responsible for all the loss and liability arising therefrom.
(3)The telephone and network charges related to this service shall be borne by your own. You may not be able to use the business normally if there is overdue payment. Please pay attention to recharge in time.
(4)You shall be responsible for any risk and liability incurred as a result of your unauthorized transfer or authorization of the use of your Financial IC Card to others, and UnionPay shall not be held responsible in any respect.
(5)You may not use any technology or measure to destroy or disrupt the normal operation of the UnionPay Mobile Payment application.
Matters not covered by these specific terms will be governed by the specific terms of UnionPay Online Payment.
“UnionPay App” means the cardholder service platform on which UnionPay directly provides cardholders with Value-added Services such as providing points, coupons and e-tickets. Cardholders can register and log in UnionPay App via the website of UnionPay, mobile terminal or other terminals.
After successful registration of the UnionPay Account, you must make Binding of Bank Card in order to use all Value-added Service provided by UnionPay App.
(1)“Coupons” means the electronic certificates provided by relevant merchants and obtained by the user through UnionPay App, the user will enjoy certain discount or deduction of the price if coupons are shown upon consumption.
(2)You are aware and agree that:
(a)Coupons are provided by merchants. UnionPay only provides the platform for obtaining the Coupons or issue Coupons on behalf of the merchants, you should use the Coupons according to the Coupons usage rules (including amendments thereto from time to time) announced by the merchants who provide the Coupons, and the Coupons usage rules announced by the merchants shall prevail.
(b)You can obtain the Coupons via two methods:
Initiative obtaining: You can download the Coupons from UnionPay App;
Automatic obtaining: If you meet certain conditions, UnionPay App will automatically push the coupons provided by the merchants to your UnionPay Account. The conditions for automatic obtaining will be determined by UnionPay and participating merchants, UnionPay and the relevant merchants have the final discretion without giving notice to you.
(3)Coupons are provided by participating merchants, UnionPay App only provides the platform for downloading the Coupons or push the Coupons; UnionPay does not provide any guarantee to the authenticity, legality and usability of the Coupons; Any disputes or losses arising from the Coupons shall be resolved through negotiation by yourself with the merchants who provide the Coupons, UnionPay shall not be held responsible in any respect.
(1)“E-tickets” means the electronic certificates provided by relevant merchants and obtained or managed by the user through UnionPay App, which can be regarded as the electronic form of the ordinary paper ticket. The user can use the e-tickets to enter cinemas, parks, exhibition halls, museums, etc. corresponding to the e-tickets.
(2)E-tickets are provided by participating merchants, UnionPay only displays and provides downloads for such E-tickets on the UnionPay App or push such E-tickets; UnionPay does not provide any guarantee to the authenticity, legality and usability of the Coupons; Any disputes or losses arising from the E-tickets shall be resolved through negotiation by yourself with merchants who provide the Coupons, and UnionPay shall not be held responsible in any respect.
(1)The services provided by UnionPay to you are only provided in accordance with the actual conditions at the time and UnionPay does not provide any express or implied warranties.
(2)You are aware and agree that UnionPay will not be responsible for any damages incurred to you due to following reasons, including but not limited to direct and indirect losses, fame and reputation damages, and mental damages:
(a)UnionPay is unable to normally provide this service due to the reasons of merchants or banks;
(b)Failure of or delay in the service arising from the failure of telecommunications equipment or power system or the conduction of other third parties;
(c)UnionPay is unable to normally provide service during the period when the system is shut down for maintenance as announced on the website of UnionPay;
(d)The service terminal cannot meet the requirements of the users due to computer or mobile virus, hacker attack, system instability, user’s location, shutdown of user’s devices, and any other reasons related to network, technology, communication lines, etc.;
(e)Force majeure: including but not limited to war, floods, fires, typhoons, tsunamis, earthquakes, government actions, and other objective conditions that cannot be foreseen, avoided, and overcome;
(f)Losses caused by your own and other losses that are not caused by UnionPay's fault.
(3)UnionPay does not provide any warranties regarding the UnionPay Account under this Service Agreement, including but not limited to warranties in the following aspects: i) the UnionPay User services will meet your requirements; ii) the UnionPay User services will not be interrupted and will be provided timely or without any errors; or iii) any products, data or materials received by you from the service will meet your requirements.
(4)To the fullest extent permitted by law, both UnionPay and its affiliates are not responsible for any consequential, incidental, special or punitive damages arising out of your use or inability to use the UnionPay User services, including but not limited to damages for profits or income losses, business interruption, business opportunities losses, data losses or other economic interests losses arising from contracts, negligence, infringement or other reasons.
(1)Unless otherwise stated, the copyrights of the information, materials or codes including any designs, articles, images, graphics, audios, videos and terminal software of UnionPay belong to UnionPay. You may not copy, use or sell in any way without prior written consent of UnionPay, except for the copying or using made for the purpose of using this service.
(2)“UnionPay”, “UnionPay Online Payment”, “UnionPay Mobile Payment”, “UnionPay App”, “UnionPay and Tricolor Graphics”, “UnionPay, 银联 and Tricolor Graphics” and any other texts, graphics and visible signs used to mark UnionPay and its relevant business are trademarks owned by UnionPay. UnionPay owns the interests in commercial mark in respect of aforesaid marks and such interests shall be protected by law. You are not allowed to amend, register, copy or use aforesaid trademarks in any other methods without prior written consent of UnionPay.
(3)You shall not infringe the legitimate rights and interests related to the intellectual property owned by UnionPay or any third party in the course of using the relevant services of UnionPay, otherwise you shall be responsible for all the legal responsibilities arising therefrom.
(1)You should use UnionPay Account service in good faith and comply with all applicable laws and regulations.
(2)In regard of using UnionPay Account service, you may not:
(a)provide false, inaccurate or misleading information;
(b)use UnionPay Account service to engage in any illegal actions, including online gambling, no matter whether online gambling is permitted in your jurisdiction;
(c)use the UnionPay Account service to fraud on the affiliates or other members or users or service providers of UnionPay, or engage in other illegal activities (including but not limited to conducting product or service transactions prohibited by law); or
(d)use the UnionPay Account service in a manner that may cause UnionPay, other accounts or third parties to be confronted with complaints, disputes, claims, fines or other liabilities, or may be deemed as an abuse of UnionPay Account service.
(3)If UnionPay decides in its own discretion that you may have engaged in aforesaid prohibited actions, UnionPay has the right to take corresponding measures, including but not limited to the following actions:
(a)suspending the UnionPay Account service or restricting your usage of UnionPay Account service;
(b)terminating this agreement and refuse to provide UnionPay Account service to you; or
(c)pursuing your legal responsibility.
(4)You will be solely and fully responsible for any taxes, tariffs or other government charges and any other financial expenses incurred by any products or services purchased or other transactions conducted by you through UnionPay Account or by any other transactions.
(5)If you need to provide any personal data, intellectual property, trade secrets or other information owned by or only granted to a third party to UnionPay, you warrant that you have received clear and full authorization from such third party to allow you to use such personal data, intellectual property, trade secrets or other information and provide them to UnionPay.
(6)Subject to any applicable laws and regulations, if you violate any applicable laws or regulations, this Service Agreement or related policies, we will suspend the provision of UnionPay Account service to you and your UnionPay Account will be closed.
No failure to exercise, or any delay in exercising any right, power or remedy by UnionPay shall constitute a waiver of UnionPay of exercising such right, power or remedy, and no single or partial exercise of any right, power or remedy of UnionPay shall prevent any further or other exercise of right, power or remedy by UnionPay. Any right, power or remedy under this Service Agreement shall be regarded as extra and cumulative right, power or remedy of UnionPay besides those provided by law.
This Service Agreement consists of the main body and attachments of this Service Agreement and the terms, rules, guidelines and other publicities and announcements of the services that have been or may be issued by UnionPay.
Except for you and UnionPay, no other person has the right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623 of the Laws of Hong Kong) to enforce or to enjoy the benefit of any term of this Service Agreement.
This Service Agreement is governed by and construed in accordance with the laws of Hong Kong. The parties agree to use reasonable efforts to resolve any disputes arising out of or in relation to this Service Agreement by negotiation; if no agreement is reached through the negotiation, the parties agree to submit the disputes to the exclusive jurisdiction of the Hong Kong courts.
If any term of this Service Agreement is held to be invalid, illegal or unenforceable, the other terms of this Service Agreement are still valid and binding.
If you bind BOC Card to UnionPay APP, you shall be deemed to have read, understood and accepted “Bank of China (Hong Kong) Limited Terms and Conditions for Use of Mobile Card for Mobile Payment Service” (“BOCHK Terms and Conditions”), and agreed to be bound by these BOCHK Terms and Conditions (as amended by Bank of China (Hong Kong) Limited (“BOCHK”) from time to time).
Please click here or visit the following website https://www.bochk.com/dam/more/mobile/tnc.pdf for the BOCHK Terms and Conditions.
“Bank of China (Hong Kong) Limited Terms and Conditions for Use of Mobile Card for Mobile Payment Service” only apply to the services provided to you by Bank of China (Hong Kong) Limited (“BOCHK”) and do not constitute any obligation or responsibility of UnionPay International. If there is any doubt about the validity and contents of BOCHK Terms and Conditions, please contact BOCHK for clarification.
目錄
第一部分 接受本服務協議之條款
第二部分 本服務協議之通用條款
第三部分 銀聯在線支付專用條款
第四部分 銀聯移動支付專用條款
第五部分 雲閃付專用條款
第六部分 其他通用條款
本服務協議的雙方為銀聯國際有限公司(以下簡稱“銀聯”)及希望註冊成為銀聯用戶的持卡人(以下簡稱"您")。本服務協議列明了您登錄並使用銀聯手機應用程式的條款及細則,一旦同意即對您具約束力。您應仔細閱讀本服務協議項下的全部內容,並應對加粗字體顯示部分重點閱讀。
1、“銀聯用戶”,指在銀聯網站及銀聯授權的其他渠道成功註冊銀聯帳戶的持卡人。未在銀聯網站及相關平臺註冊,但根據銀聯與合作商戶的協議,使用合作商戶帳號登錄並使用銀聯產品與服務的用戶,在銀聯與該商戶合作期間,視為銀聯用戶。
2、“銀聯帳戶”,指銀聯使用者註冊成功後系統產生的相關電子帳戶,用於存儲用戶的相關個人資料、被連結的銀行卡資料以及使用銀聯服務的所需資料等。
3、“連結銀行卡”,指您註冊成為銀聯用戶後,將您的銀行卡卡號與您註冊的銀聯帳戶建立連結關係的行為。
4、“通用條款”,指適用於銀聯在本服務協議項下提供的全部服務的條款。
5、“專用條款”,指適用於銀聯提供的特定服務的條款。
1、您確認,在您註冊成為銀聯用戶前,您已充分閱讀、理解並接受本服務協議的全部內容;一旦您選擇“同意”,即表示您確認並完全接受受本服務協議的條款及細則所約束。若您對本服務協議的內容有任何疑問,請致電銀聯客服熱線0800-801查詢。
2、您確認、表明及保證,當您同意接受本服務協議並申請註冊銀聯帳戶時,您具有完全行為能力,或您獲合法授權代表該組織或實體以同意本服務協議及履行本服務協議項下的義務;本服務協議內容不受您所屬國家或地區法律的排斥。倘您不具備前述條件,您應立即停止申請使用本服務。
3、您同意,銀聯有權根據法律、業務發展需要及其他需求對本服務協議的內容予以變更,不時對本服務協議進行修訂並在銀聯網站公告,而無需另行單獨通知。變更後的協議內容一經公佈即代替原來的協議內容,您須定期審閱本服務協議及其變更後的內容。若您不同意銀聯對本服務協議所作的變更,您有權立即停止使用本服務協議下的服務或註銷有關銀聯帳戶。若您在本服務協議內容經公告相關變更後繼續使用本服務協議下的服務,即表示您已充分閱讀、理解、同意並接受修改後的協議內容,並將遵循修改後的協議內容使用本服務協議下的服務並履行有關本服務協議項下約定的義務。您每次使用本服務協議項下的服務,即表示您確認並同意受可不時修訂的本服務協議所約束。
4、您確認並同意,您在使用本服務協議下的服務過程中與商戶就其提供的商品或服務的品質、安全性、合法性或其他方面所產生的任何爭議或糾紛與銀聯無關,您應與商戶自行協商解決, 銀聯將不對此承擔任何責任。
5、您知悉並同意,銀聯或其關聯公司將根據不同用戶的特點,通過手機等通訊工具向您提供相關信息推送服務,推送的信息包括但不限於服務信息、優惠信息、優惠券、電子票。如您不同意銀聯或其關聯公司向您推送上述信息,您可致電銀聯客服熱線0800-801以解除該信息推送服務。
6、您確認已經按照銀聯的提醒,充分了解並同意本服務協議中免除和限制銀聯的責任、可能加重您的責任或排除您的權利的條款。
(一)獲取銀聯帳戶
1、成功註冊銀聯用戶後,您將獲得銀聯授予您的銀聯帳戶使用權。銀聯帳戶的所有權歸銀聯所有。銀聯帳戶僅限您個人使用,禁止贈與、借用、租用、轉讓或出售,否則造成的任何損失由您本人自行承擔,並且銀聯有權單方面暫停或終止該銀聯帳戶的使用及/或立即終止本服務協議。
2、您保證註冊銀聯帳戶時提供的資料是您本人的資料,並保證該等資料的真實、準確、完整,否則,由此引發的一切後果由您本人自行承擔,銀聯不承擔任何責任。
3、如您註冊銀聯用戶時提供的個人資料有任何變更,您應及時登錄銀聯帳戶更新個人信息,否則由此造成的一切後果由您本人自行承擔,銀聯不承擔任何責任。倘您的個人資料(如登記手機號)所作之變更將導致本服務條款不再適用,您可能須接受不同的服務條款。
(二)使用銀聯帳戶
1、成功註冊銀聯用戶後,可以登錄銀聯網站以及銀聯的各服務平臺。但您在使用本服務協議下銀聯提供的服務前,您必須仔細閱讀該服務的專用條款,並按照要求補充完整的相關資料,否則您可能無法使用該服務。
2、您應妥善保管您的銀聯帳戶用戶名和密碼,並定期更改密碼,以保證銀聯帳戶的安全性。因您保管不善或未定期更改密碼而導致銀聯帳戶被他人非法使用,您應自行承擔一切後果,銀聯對此不承擔任何責任。
3、您應對如下事項承擔全部責任:i)保護您用戶名和密碼的保密性和安全性;ii)在您的用戶名和密碼下發生的全部交易和活動;以及iii)使用或不當使用您的用戶名和密碼的全部後果。
4、每一個銀聯帳戶只能對應一組個別的用戶名和密碼,您不應與他人共享您的銀聯帳戶或您的用戶名及密碼,亦不應將您的銀聯帳戶或您的用戶名及密碼轉讓給他人或允許他人使用。您承認並同意,您與他人共享您的銀聯帳戶或以其他方式允許他人使用您的銀聯帳戶(“多方使用”)將有可能給銀聯造成無法彌補的損害,且若多方使用銀聯帳戶使銀聯蒙受了任何損失或損害,您應負責對銀聯賠償。您承諾並同意,若出現任何未經授權便使用您的銀聯帳戶或您的用戶名或密碼的情況或任何其他違規安全情況,您將立即通知銀聯。您同意,因您未遵守本條規定而產生的任何損失或損害,銀聯不承擔任何責任。
5、您知曉並同意由於網絡的特性,銀聯無法對使用您銀聯帳戶的人員進行核對,因此通過您的銀聯帳戶在銀聯網站和服務產品平臺進行的任何行為均視為您本人所為,您將承擔一切後果及任何責任。如您發現您的銀聯帳戶被惡意使用,您應及時告知銀聯,銀聯可以採取凍結帳戶等措施以保護您的權益。您理解並同意銀聯對您的凍結請求需要合理期限採取行動,銀聯對凍結帳戶前已經產生的損失不承擔任何責任。
6、您知悉並同意,銀聯可能與商戶進行合作,實現您用銀聯帳戶登錄相關商戶的平臺。您登錄商戶平臺即視為您同意該商戶對其用戶的相關要求、規定。您與該商戶之間產生的任何爭議,應由您與該商戶自行協商解決,銀聯對此不承擔任何責任。
7. 您知悉並同意,銀聯可能根據當地監管要求或發卡機搆的相關要求,對您的交易金額進行限制。
(三)凍結和註銷銀聯帳戶
1、如您不希望繼續使用銀聯帳戶,您可以致電銀聯客服熱線0800-801要求註銷銀聯帳戶。在註銷銀聯帳戶前,您必須支付任何未償債務及履行在本服務協議下的尚未履行的義務。註銷後,您通過銀聯所獲取而尚未使用的權益將全部歸於無效,同時您將無法繼續使用銀聯在本服務協議下提供的各項服務。如您不希望開通或繼續使用銀聯提供的某項服務,您可以致電銀聯客服熱線0800-801關閉或停止該項服務。
2、如您有任何違反本服務協議或法律法規的行為,您應承擔一切法律責任。同時,銀聯有權停止為您提供本協議下的服務並單方凍結或註銷您的銀聯帳戶,因此導致的任何風險和損失由您自行承擔,銀聯對此不承擔任何責任。
1、您知悉並同意,銀聯有權根據澳門特別行政區第8/2005號法律«個人資料保護法»及《銀聯國際隱私政策》收集、持有、使用、處理及轉移您在流覽、註冊、登錄銀聯網站或平臺、連結銀行卡的資料(如銀行卡號等)、使用本服務協議下的服務以及使用銀聯卡消費過程中所產生的個人資料、交易數據及其他數據資料(以下簡稱“用戶資料”)。一經使用銀聯手機應用程式服務,您承認您已閱讀並明確同意《銀聯國際隱私政策》。以上用戶資料收集的目的僅限於為實現並優化銀聯卡交易,以及改進支付體驗所必須的資料以及直接促銷活動等用途。如果您無法提供相關用戶資料,您將無法完成帳戶註冊以實現銀聯卡交易。銀聯將採取必要、合理的措施確保用戶資料的安全。如因您自身原因洩露您的用戶資料,因此造成的一切後果由您自行承擔,銀聯對此不承擔任何責任。若對本條款的內容有任何疑問,請致電銀聯官方熱線0800-801查詢。
2、您同意並授權銀聯及其關聯公司在法律法規允許的範圍內無償使用、分析、處理及加工您的用戶資料,並且允許銀聯及其關聯公司將您的用戶資料轉授權給銀聯其他合作夥伴使用、分析及處理。此外,無論您的用戶資料是在何處被收集,您理解並同意您的用戶資料可能因為本服務協議中提到的目的被傳輸到銀聯的關聯公司及其他合作夥伴所在的其他法律管轄區域。
3、銀聯不會對外公開或向任何第三方提供您的用戶資料,但以下情形除外:
(1)根據本服務協議的約定已獲得您的授權;
(2)根據有關法律法規、有權限的當局或公共當局的要求。
4. 您有權根據相關法律向銀聯提出數據訪問請求,數據修改請求,反對使用個人數據請求以及個人數據刪除請求。
1、您在使用本服務協議項下的服務時,應遵守您所在國家或地區的相關法律與法規,不得將本服務用於任何非法目的,也不得以任何非法形式使用本服務。出現以下情形時,銀聯有權在不事先通知您的情況下暫停或終止向您提供本服務或本服務的任何部分,因此給您造成的任何損失,銀聯不承擔任何責任:
(1)銀聯認為您違反法律、法規的禁止性規定或違反本服務協議約定;
(2)銀聯發現異常交易或認為交易存在風險或有違反法律、法規規定或本服務協議約定的可能。
2、您不得利用本服務協議項下的服務從事如下侵害他人合法權益之行為,否則銀聯有權拒絕為您提供服務,且您應承擔一切法律責任。如因此導致銀聯或相關方遭受損失的,您應依法承擔相應的賠償責任。相關行為包括但不限於:
(1)侵害銀聯和/或任何第三方名譽權、隱私權、商業秘密、商標權、著作權、專利權及其他人身和財產權利;
(2)違反法定或本服務協議約定之保密義務;
(3)冒用他人名義使用本服務;
(4)從事不法交易行為及/或其他銀聯或有關監管機構認為不得透過使用本服務而進行的交易行為等;
(5)使用盜竊或偽造的銀聯卡帳戶或無效銀聯卡帳戶進行交易;
(6)違反法律及金融管理局的規定而使用銀聯卡;
(7)進行與您或交易對方宣稱的交易內容不符的交易,或無真實交易背景的虛假交易;
(8)從事任何可能含有電腦病毒或是可能侵害銀聯服務系統之行為;
(9)其他銀聯有正當理由認為不適當之行為。
1、"銀聯在線支付",是指銀聯向您提供,按照銀聯業務規則或發卡機搆網銀支付產品要求完成對您的身份驗證後,由發卡機搆按銀聯傳輸的您的付款指示將您銀聯卡帳戶內的資金向商戶進行付款的支付服務。
2、“小額臨時支付”,是指在業務開通環節,如果您沒有向您的發卡機搆為您的銀聯卡留存手機號碼,則在您輸入的其他驗證要素通過您的發卡機搆驗證的情況下,您的發卡機搆同意由銀聯為您開通具有一定有效期及額度限制的支付業務。後續支付時,您只需在商戶頁面輸入銀聯卡號碼和短信驗證碼,驗證通過後即可在有效期和限額內完成支付的支付方式。
3、“業務開通”,是指您在首次使用銀聯在線支付業務時,在銀聯網站、銀聯或發卡機搆授權渠道(包括但不限於短信、電話等)提供驗證要素後向您的發卡機搆提出業務開通申請,您的發卡機搆驗證通過後為您開通銀聯線上支付業務的過程。
6、“增值服務”,是指您註冊銀聯帳戶或開通銀聯在線支付業務後,銀聯將根據您的交易需求和消費需求,通過銀聯網站、短信平臺、郵件平臺或電話平臺向您提供的推送優惠資訊及其他相關服務。
7、“增值權益”,是指銀聯或與銀聯有合作關係的機構向您提供的積分、優惠券等增值權利或利益。
您了解並知悉,銀聯僅負責為您使用銀聯在線支付服務提供信息傳輸通道,為您和您的發卡機搆轉遞資訊。您在支付環節仍應遵守您的發卡機搆發佈的公告、章程或與您簽署的與銀聯在線支付業務有關的協議。如您對您銀行卡內的資金流向或狀態產生任何疑問,您應及時與您的發卡機搆聯繫。
為有效保障您登錄銀聯在線支付帳戶進行交易時的合法權益,您理解並同意接受以下規則:
1、您註冊銀聯帳戶後可以登錄瀏覽銀聯網站內容,但您的帳戶仍不具備支付功能。您登錄銀聯帳戶並成功連結銀行卡後方可使用銀聯在線支付功能進行支付,您連結銀行卡的行為即表示您同意開通銀聯在線支付功能。
2、銀聯僅根據您發卡機搆的委託,就協助您連結銀行卡提供輔助服務,由於連結銀行卡本身可能存在的風險,您應充分知曉並自行承擔相關風險。
3、銀聯通過您的用戶名和密碼識別您的指示。在您選擇連結銀行卡進行支付後,銀聯將向您連結銀行卡的發卡機搆發送支付指示,由您的發卡機搆驗證後從您的銀行卡帳戶扣除或凍結相關款項。您發出的指示不可撤回或撤銷。
4、銀聯提供的支付服務受您連結的銀行卡的狀態制約,如該卡因掛失、止付等原因不能使用,相關服務將自動中止。您連結的銀行卡狀態恢復正常並重新提出申請時,銀聯才會重新提供相應服務。
5、您在使用銀聯在線支付進行支付的過程中應當及時登錄銀聯網站查看並確認相關資料並及時進行相關操作,否則因此導致的任何風險和損失由您自行承擔,銀聯不承擔任何責任。
6、在進行支付交易之前,您必須檢查和確保所有與您進行支付交易相關的信息均為準確。您知悉並同意任何已完成的交易不可被撤回或取消。如按您的指示執行付款,銀聯無須就向錯誤或非預期的商戶轉帳而承擔責任,亦無責任討回有關款項。因此您須負責由您或由任何其他人士以您的用戶名和密碼登入銀聯帳戶手機應用程式發出的所有指示。
1、如您未註冊銀聯帳戶而需使用銀聯在線支付功能進行支付,您需要進行業務開通,按照要求提供相關驗證要素並提交開通申請指示,銀聯將根據您的指示向您銀行卡的發卡機搆發出開通請求。
2、您在業務開通過程中,應妥善保管銀行卡資料、身份資料和手機資料(包括短信驗證碼內容),不得將銀行卡資料、身份資料和手機資料(包括短信驗證碼內容)轉告或洩漏給他人,否則由此產生的風險及損失由您自行承擔。如需更改與銀行卡號連結的手機號碼,您可憑您的發卡機搆所要求的證件和銀行卡通過發卡機搆指定的渠道,包括但不限於銀行櫃檯、自助終端、網上銀行、電話銀行等方式重新設置。
3、業務開通後,您可以通過銀聯網站或您銀行卡的發卡機搆許可的其他渠道申請註銷該業務功能。
1、小額臨時支付開通後,銀聯有權根據您或商戶的風險情況調整單卡單筆或單卡累計交易限額,調整小額臨時支付有效期甚至選擇暫停小額臨時支付業務。
2、如您在小額臨時支付有效期內未通過您的發卡機搆支持的業務渠道留存手機號碼並通過您的發卡機搆或銀聯渠道進行業務開通,銀聯有權在有效期屆滿之日選擇暫停您的小額臨時支付權限。
銀聯不會對因您自身過錯導致的任何損失承擔責任,該等過錯包括但不限於:
1、您的手機遺失或您提供的手機號碼有誤;
2、您在支付過程中,未核對交易資料而導致您支付的交易與您本來欲進行的交易事項不一致;
3、您未按照本服務協議內容或銀聯網站的操作提示進行操作,或未及時修改密碼導致密碼被他人破解;
4、您未妥善保管您的銀聯在線支付帳戶資料、銀行卡資料、身份資料或手機資料(包括短信驗證碼),而導致該等資料洩露。
1、“銀聯手機支付”,是指銀聯向您提供,按照銀聯業務規則要求完成對您的身份驗證後,由發卡機搆按銀聯傳輸的您的付款指示將您銀聯卡帳戶內資金向商戶進行付款的支付服務。
2、“銀聯手機安全支付控件”,是指嵌入商戶手機客戶端應用的程式組件,用於提供安全支付環境,實現無縫購物支付流程,滿足用戶支付、查詢等需求。
3、“銀聯手機支付客戶端”,是銀聯整合線上和線下資源、為用戶打造的遠程支付產品,該產品支援金融服務、便民服務、休閒娛樂、商旅服務、手機商城等各種內容應用。
4、“金融智能卡”,是指內置了金融支付晶片的記憶卡或SIM卡。
5、“小額臨時支付”,是指在業務開通環節,如果您沒有向您的發卡機搆為您的銀聯卡留存手機號碼,則在您輸入的其他驗證要素通過您的發卡機搆驗證的情況下,您的發卡機搆同意由銀聯為您開通具有一定有效期及額度限制的支付業務。後續支付時,您只需在商戶頁面輸入銀聯卡號碼和短信驗證碼,驗證通過後即可在有效期和限額內完成支付的支付方式。
6、“業務開通”,是指您在首次使用銀聯手機支付業務時,在銀聯網站、銀聯或發卡機搆授權渠道(包括但不限於短信、電話等)提供驗證要素後向您的發卡機搆提出業務開通申請,您的發卡機搆驗證通過後為您開通銀聯手機支付業務的過程。
7、“增值服務”,是指您註冊銀聯帳戶或開通銀聯手機支付業務後,銀聯將根據您的交易需求和消費需求,通過銀聯手機支付客戶端、短信平臺、郵件平臺或電話平臺向您提供的推送優惠信息及其他相關服務。
8、“增值權益”,是指銀聯向您提供的銀聯積分等增值權利或利益。
您可以通過安裝有銀聯手機支付客戶端的移動終端或其他數碼終端或銀聯手機支付合作商戶的客戶端使用銀聯手機支付業務。
1、金融智能卡不能通過電腦或手機格式化,否則將影響銀聯手機支付軟體的使用。若您不小心執行了格式化操作,請到提供該金融智能卡的服務中心修復。
2、您更換手機號碼後請及時通過發卡機搆指定的渠道變更手機號碼,否則因此產生的任何損失和責任,由您自行承擔。
3、與本服務有關的電話費用及網路費用由您自行承擔,欠交費用可能會導致業務不能正常使用,請您注意及時充值。
4、因您擅自轉讓或授權他人使用您的金融智能卡而產生的任何風險和責任由您自行承擔,銀聯對此不承擔任何責任。
5、您不得利用任何技術或手段破壞或擾亂銀聯手機支付平臺程序的正常運行。
本專用條款未規定之事宜,將受銀聯在線支付專用條款管轄。
“雲閃付”系指銀聯直接向持卡人提供積分、優惠券、電子票等增值服務的持卡人服務平臺。持卡人可以通過銀聯網站、手機終端或其他終端註冊並登錄雲閃付。
成功註冊銀聯帳戶後,您須進行銀行卡連結,方可使用雲閃付提供的全部增值服務。
1、“優惠券”系指由相關商戶提供且用戶通過雲閃付獲取的電子憑證,使用者憑優惠券在消費時享受一定價款折扣或抵扣。
2、您知悉並同意:
1) 優惠券是由商戶提供,銀聯僅提供優惠券獲取的平臺或代為發放優惠券,您應根據提供優惠券的商戶所公告的優惠券使用規則(包括其不時的修訂)使用優惠券, 以商戶公佈的優惠券使用規則為准。
2) 您可以通過以下兩種途徑獲取優惠券:
主動獲取:您在雲閃付通過下載獲取優惠券;
自動獲取:在您滿足一定條件的前提下,雲閃付將自動將商戶提供的優惠券推送至您的銀聯帳戶。自動獲取的條件由銀聯與合作商戶自行決定,銀聯與有關商戶擁有最終酌情決定權,且無需告知您。
3、優惠券由合作商戶提供,雲閃付僅提供優惠券的下載平臺或推送優惠券;銀聯不對優惠券的真實性、合法性、可使用性提供任何擔保;因優惠券而產生的任何爭議或損失,由您和提供優惠券的商戶自行解決,銀聯不承擔任何責任。
1、“電子票”系指由相關商戶提供且用戶通過雲閃付獲取或管理的電子憑證,可視為普通紙質票的電子形式,使用者憑電子票可以進入至電子票對應的影院、公園、展覽館、博物館等。
2、電子票由合作商戶提供,銀聯僅在雲閃付展示並供您下載使用該等電子票或推送該等電子票;銀聯並不對該等電子票的真實性、合法性或可使用性提供任何擔保;因電子票而產生的任何爭議或損失,由您和提供電子票的商戶自行解決,銀聯不承擔任何責任。
1、銀聯向您提供的服務,僅按當時的實際狀態提供,銀聯不提供任何明示或默示的擔保。
2、您知悉並同意銀聯不就下列原因對您產生的任何損害承擔責任,包括但不限於直接損失和間接損失、名譽和聲譽損害以及精神損害,但因銀聯之故意或嚴重過失而引致者除外:
(1)因商戶或銀行的原因導致銀聯無法正常提供本服務;
(2)電信設備、電力系統出現故障或其他第三方引起的服務不能或延遲;
(3)銀聯在銀聯網站公告之系統停機維護期間導致無法正常提供服務;
(4)因電腦或手機病毒、黑客攻擊、系統不穩定、用戶所在位置、用戶關機以及其他任何網絡、技術、通信線路等原因造成的服務終端不能滿足使用者要求的情況;
(5)不可抗力:包括但不限於戰爭、洪水、火災、颱風、海嘯、地震、政府行為等一切不能預見、不能避免和不能克服的客觀情況;
(6)因您自身原因導致的損失以及其他非因銀聯過錯而產生的損失。
3、銀聯不提供有關本服務協議項下銀聯帳戶的任何保證,包括但不限於對以下方面的保證:
(i)銀聯用戶服務將滿足您的要求;
(ii)銀聯用戶服務將不會中斷,將具有及時性或不帶有任何差錯;或
(iii)您就該服務獲得的任何產品、數據或材料均可滿足您的要求。
4、在法律允許的最大範圍內,銀聯及其關聯方均無需對因您使用或無法使用銀聯用戶服務產生的任何間接的、附帶的、特別的或懲罰性的損害賠償承擔責任,包括但不限於對因合同、過失、侵權或其他原因產生的利潤或收入損失、業務中斷、業務機會喪失、資料丟失或其他經濟利益損失的損害賠償。
1、如無特別聲明,銀聯的任何設計、文字、圖像、圖表、音頻、視頻、終端軟件等資料、材料或代碼等內容的著作權均歸銀聯所有。未經銀聯書面同意,您不得以任何方式複製、使用、出售,但如果該等複製或使用是出於使用本服務的目的除外。
2、“銀聯”、“銀聯在線支付”、“銀聯手機支付”、“雲閃付”、“銀聯及三色圖形”、“UnionPay、銀聯及三色圖形”以及其它任何用來標識中國銀聯及相關業務的文字、圖形及其它可視性標誌,都是屬於銀聯所有的商標。銀聯對上述標識享有商業標示性權益,受法律保護。未經銀聯事先書面同意,您不得擅自修改、註冊、複製或以其它方式使用上述商標。
3、您在使用銀聯相關服務過程中不得侵犯銀聯或任何第三方就其知識產權擁有的合法權益,否則您將承擔因此產生的一切法律責任。
1、您應真誠地使用銀聯帳戶服務,並遵守全部適用的法律與法規。
2、就使用銀聯帳戶服務而言,您不得:
(1)提供虛假、不準確或有誤導性的資料;
(2)利用銀聯帳戶服務從事任何非法行為,包括網上賭博,不論網上賭博在您所在的司法管轄區內是否被允許;
(3)利用銀聯帳戶服務對銀聯的關聯方或其他成員或使用者或服務商進行欺詐,或從事其他非法活動(包括但不限於從事被法律禁止的產品或服務交易);或
(4)以某種方式利用銀聯帳戶服務,該方式有可能導致銀聯、其他帳戶或第三方面臨投訴、爭議、索賠、罰款或其他責任,或有可能被視為是對銀聯帳戶服務的濫用。
3、若銀聯依自行判斷認為您可能已從事了上述被禁止的行為,銀聯有權採取相應措施,包括但不限於以下行動:
(1)暫停銀聯帳戶服務或限制您使用銀聯帳戶服務;
(2)終止本服務協議並拒絕向您提供銀聯帳戶服務;或
(3)追究您的法律責任。
4、您將自行承擔全部就您使用銀聯帳戶購買的產品或服務或進行的任何其他交易或透過任何其他交易產生的任何稅款、關稅或其他政府徵收的費用,及任何其他財務費用。
5、如您需向銀聯提供任何由某第三方擁有或僅向某第三方賦予的個人資料、知識產權、商業秘密或其他資訊,您保證您收到該協第三方明確及充分的授權,允許您使用及向銀聯提供該等個人資料、知識產權、商業秘密或其他資訊。
6、在受限於任何適用的法律和法規的前提下,若因您違反了任何適用的法律或法規、本服務協議或相關政策,我們將不再繼續向您提供銀聯帳戶服務,且您的銀聯帳戶將被關閉。
銀聯未有或延遲行使任何權利、權力或補救方法,並不會構成銀聯放棄行使該等權利、權力或補救方法,而銀聯行使任何一項或部分的權利、權力或補救方法,亦不會排除銀聯行使其他或進一步行使權利、權力或補救方法。本服務協議下的任何權利、權力或補救方法應被視為法律授予銀聯以外,銀聯可享有的額外及累積的權利、權力或補救方法。
本服務協議由本服務協議正文、附件及本服務協議不時的修訂、修改及補充,以及銀聯已經發佈或將來可能發佈的各項業務的使用條款、規則、指引和其他公示、公告組成。
本服務協議的訂立、生效、解釋、履行、變更和爭議解決均適用澳門特別行政區法律,當中未有列明之事項,概依澳門特別行政區現行法例辦理。雙方同意盡合理努力,協商解決任何因本服務協議產生或與之相關的爭議;倘協商不成,雙方在此不可撤銷地指定澳門法院具有專屬管轄權。
1、如果本服務協議的任何條款被認定為無效、不合法或不可執行,本服務協議其餘條款仍應有效並具有約束力。
CONTENTS
Part I General Terms of this Service Agreement
Part II Specific Terms for Using Your UnionPay Account for Mobile Payment
Part III Additional Features and Terms of the UnionPay App
Part IV Other General Terms
This Service Agreement is executed between UnionPay International Co., Ltd. (hereinafter referred to as “UnionPay”) and the cardholder who wishes to register as a UnionPay User (hereinafter referred to as “you”). This UnionPay User Service Agreement (“Service Agreement”) applies to your use of the UnionPay App and is legally binding. Please carefully read this Service Agreement in full because these terms affect your legal rights and obligations and limit UnionPay’s liability.
(a)“UnionPay User” means an individual who has registered for a UnionPay Account through the UnionPay App or website.
(b)“UnionPay Account” means a UnionPay User’s account used to access UnionPay’s services.
(c)“Registration of a UnionPay Card” means the act of registering a UnionPay Card to your UnionPay Account.
(d)“UnionPay Card” means a card, including but not limited to magnetic stripe card, chip card, magnetic and chip hybrid card, or similar financial instrument, which is used for cash withdrawal and/or payment for purchased goods or services with UnionPay Mark on the card face or card back.
(e)“General Terms” means the terms applicable to all services provided by UnionPay under this Service Agreement.
(f)“Specific Terms” means the terms applicable to the specific services provided by UnionPay under this Service Agreement.
You confirm that you have fully read and understand this Service Agreement and that by choosing “Agree” you fully accept to be bound by the terms of this Service Agreement. If you do not agree to these terms you should immediately stop using the UnionPay App.
You confirm that you have legal capacity to enter into the terms set out in this Service Agreement (i.e., that you are of sufficient age and mental capacity and are otherwise entitled to be legally bound in contract).
Please note that this Service Agreement may be revised and reissued prospectively by posting updated terms on the UnionPay App. You consent and agree to receive notices of updates of these Terms through our posting of updated Service Agreement on the UnionPay website, access to which is available through the UnionPay App. You should visit this page regularly to review the current terms. Your continued use of the UnionPay App will be deemed as irrevocable acceptance of any revisions.
Your privacy is important to us. To better protect your privacy, we provide a notice explaining our online information practices and the choices you can make about the way your information is collected and used by us in connection with the UnionPay App. Please view our Privacy Notice, which forms part of this Service Agreement.
The UnionPay App may link you to other websites belonging to third party merchants on the Internet. You acknowledge that (whether or not such websites are affiliated in any way with UnionPay) UnionPay is not responsible for the accuracy, copyright compliance, privacy compliance, legality, decency, goods, services, safety or any other aspect of the content of such websites. The inclusion of such a link does not imply endorsement of any websites by UnionPay or any association with its operators.
If you have a dispute with one or more merchant, you release us (and our parent companies, affiliates and subsidiaries, and their respective officers, directors, employees, and agents) from claims, demands, liabilities, costs, or expenses and damages (actual and consequential of every kind and nature, known and unknown, arising out of or in any way connected with such disputes). In entering into this release, you expressly waive any protections (whether statutory or otherwise) to the extent permitted by applicable law that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.
Any usernames and passwords used for the UnionPay Account are for individual use only. You shall be responsible for the security of your username and password. UnionPay is entitled to monitor your username and password and, at its discretion, require you to change it. If you use a username and password that UnionPay considers insecure, UnionPay will be entitled to require you to change your username and/or password and/or UnionPay may terminate your account.
To access the UnionPay App or some of the resources it has to offer, you may be asked to provide registration details. Your use of the UnionPay App is conditioned on you providing correct, current and complete information. If we at UnionPay believe the details are not correct, current, or complete, we have the right to refuse you access to the UnionPay App and our services, or any of our resources, and to terminate or suspend your UnionPay Account. If there are any changes to the information you provided to register your UnionPay Account, you should promptly log in and update the applicable information.
If you do not wish to continue using your UnionPay Account, please contact us by email at apphelp@unionpayintl.com or call UnionPay customer service at 866-567-5516 to request the deletion of your account. Before such deletion can be effective, you will be required to pay off any outstanding debt on your UnionPay Account. Any unused rights and interests that have accrued to your UnionPay Account shall be void once your account is deleted.
Please act responsibly when using the UnionPay App. You may only use it and its contents for lawful purposes and in accordance with applicable law. You may not use the services under this Service Agreement to engage in any of the following activities, including but not limited to:
(a)infringing the trade secrets, trademarks, copyrights, patents and other intellectual property rights of UnionPay and/or any third party;
(b)violating any confidentiality obligations;
(c)falsely using this service under someone else’s identity;
(d)conducting unlawful transactions;
(e)using a stolen, forged or invalid account, including but not limited to a UnionPay Account, a UnionPay Card;
(f)using any UnionPay Cards in violation of any applicable card agreement; and
(g)conducting any sham transaction.
If you provide UnionPay any personal information, intellectual property or other information owned by a third party, you warrant that you have received all required consents from such third party to allow you and UnionPay to use, disclose and share such information.
Without limitation, you agree not to undertake any activity which may adversely affect the operation or enjoyment of the UnionPay App by any other person, including placing malware on the UnionPay App. You may not reproduce, sell, resell, or otherwise exploit any resource, or access to any resource, contained on the UnionPay App.
You are prohibited from using any services or facilities provided in connection with this the UnionPay App to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools, malware, or network probing tools) is strictly prohibited. If you become involved in any violation of system security, UnionPay reserves the right to release your details to system administrators at other websites, law enforcement, and/or government authorities in order to assist them in resolving security incidents.
UnionPay reserves the right to investigate suspected violations of the Service Agreement. UnionPay may seek to gather information from any UnionPay User who is suspected of violating the Service Agreement or from any other UnionPay User. UnionPay may suspend any UnionPay User whose conduct or content are under investigation and may remove such material from its servers, without notice, as it deems appropriate. If UnionPay believes, in its sole discretion, that a violation of the Service Agreement has occurred, or if UnionPay discovers abnormal transactions or believes that such a transaction is risky or likely to violate the applicable laws or regulations it may suspend or terminate your UnionPay Account, or take other corrective action it deems appropriate. UnionPay will fully cooperate with any law enforcement authorities or court order requesting or directing UnionPay to disclose the identity of anyone making available any materials that are believed to violate the Service Agreement or the applicable law. BY ACCEPTING THIS SERVICE AGREEMENT YOU WAIVE AND HOLD HARMLESS UNIONPAY FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY UNIONPAY DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUNCE OF INVESTIGATIONS BY EITHER UNIONPAY OR LAW ENFORCEMENT AUTHORITIES.
UnionPay reserves the right to modify or discontinue, temporarily or permanently, all or any part of the UnionPay App and/or any related software, facilities, and services, with or without notice and/or to establish general guidelines and limitations on their use.
The UnionPay App and materials incorporated by UnionPay therein are protected by copyrights, patents, trade secrets or other proprietary rights, and some of the characters, logos, or other images incorporated by UnionPay on the UnionPay App are also protected as registered or unregistered trademarks, trade names, and/or service marks owned by UnionPay or others (collectively, “Intellectual Property”). UnionPay respects the intellectual property rights of others and asks UnionPay Users do the same. Your right to make use of the UnionPay App or any content appearing on it is subject to your compliance with this Service Agreement. Use or modification of the UnionPay App or any other content on it for any purpose not permitted by this Service Agreement may be a violation of the Intellectual Property protected by law and this Service Agreement and is prohibited. You may access and display the UnionPay App and its content for non-commercial, personal use only. The content on the UnionPay App may not otherwise be copied, reproduced, republished, uploaded, posted, transmitted, distributed, sold or used in any way unless specifically authorized by UnionPay. Any authorization to copy content granted by UnionPay in any part of the UnionPay App for any reason is restricted to making a single copy for non-commercial, personal use only, and is subject to your keeping intact all copyright and other proprietary notices. Using any content on any other platform, website or networked computer environment is prohibited. Also, decompiling, reverse engineering, disassembling, or otherwise reducing the code used in any software on the UnionPay App into a readable form in order to examine the construction of such software and/or to copy or create other products based (in whole or in part) on such software, is prohibited.
“UnionPay”, “UnionPay Online Payment”, “UnionPay Mobile Payment”, “UnionPay App”, “UnionPay and Tricolor Graphics”, “UnionPay, 银联 and Tricolor Graphics” and any other texts, graphics and visible signs used to mark UnionPay and its relevant business are trademarks owned by UnionPay. You are prohibited from copying or using these trademarks without the prior written consent of UnionPay in each instance.
(a)“UnionPay Mobile Payment” means the payment service provided by UnionPay to you through the UnionPay App that facilitates payments using your mobile device from a UnionPay Card issuer to merchants in accordance with your payment instructions transferred by UnionPay, after verification of your identity is completed in accordance with UnionPay’s established procedures, the requirements of the UnionPay Card issuer and the merchant. The UnionPay App may be used to make in-person purchases at participating merchant locations and for in-app purchases within third party mobile participating merchant applications.
(b)“Financial IC Card” means a memory card or a SIM card with a built-in financial payment chip.
(c)“Business Opening” means the process designated or required by a UnionPay Card issuer that enrolls or otherwise enables you to use the UnionPay Mobile Payment service with your UnionPay Card.
(d)“Value-added Service” means the push offer information service and other relevant services provided by UnionPay to you through the UnionPay website, the UnionPay App, SMS platform, mail platform or telephone platform.
You understand and agree that UnionPay is only responsible for providing an information transmission channel for your use of UnionPay Mobile Payment service and transferring information for you and your UnionPay Card issuer. The terms of your cardholder agreement with the UnionPay Card issuer governs your use of your UnionPay Card. If you have any questions about the flow or status of funds associated with your UnionPay Card, you should contact the issuing institution promptly.
In order to effectively protect your legitimate rights and interests when you log in the UnionPay Account, you understand and agree to accept the following rules:
(a)You can log in and browse the contents of the UnionPay website after you have signed up for a UnionPay Account, but you cannot access the payment functions until you have successfully registered one or more UnionPay Cards with your UnionPay Account.
(b)UnionPay only provides you with ancillary services regarding Registration of a UnionPay Card based on the terms established by the UnionPay Card issuer. The terms of your agreement with your UnionPay Card governs your use of the UnionPay Card through your UnionPay Account and any liabilities associated with such use.
(c)UnionPay uses your username and password to identify your instructions. After you choose a registered UnionPay Card for payment, UnionPay will send a payment instruction to the issuer of UnionPay Card and the relevant amount will be deducted or frozen from your UnionPay Card after verification by your issuing institution. The instructions sent by you are irrevocable or irreversible.
(d)The payment service provided by UnionPay is restricted by the status of your UnionPay Card. If the UnionPay Card cannot be used due to insufficient funds or credit or if the UnionPay Card was reported as lost or stolen, relevant services using such UnionPay Card will be automatically suspended. UnionPay will resume relevant services when the status of your UnionPay Card is returned to normal.
(e)In the process of using your UnionPay Account for payment, you should log in to the UnionPay website to check and confirm relevant information and monitor for unauthorized transactions in a timely manner, otherwise you shall be responsible for all the risks and losses arising therefrom, and UnionPay shall not be held responsible in any respect.
(f)Before conducting a payment transaction, you must examine and ensure that all information related to your payment transaction is accurate. You are aware and agree that any completed transaction cannot be withdrawn or cancelled. If the payment is exercised in accordance with your instructions, UnionPay will not be responsible for requesting the UnionPay Card issuer to transfer funds to the wrong merchant, nor will UnionPay be responsible for recovering the relevant payment. You understand and agree that you are responsible for all payment instructions issued by you or by any other person through logging into the UnionPay Account or UnionPay App with your username and password.
(a)Financial IC Card cannot be formatted by computers or mobile phones, otherwise the use of UnionPay’s mobile payment software will be affected. If you accidentally perform the formatting operation, please go to the service center that provided your Financial IC Card to fix it.
(b)If you change your mobile phone number, please update your mobile phone number promptly in your UnionPay Account and, if applicable, through the channels designated by the issuer of your UnionPay Cards, otherwise you shall be responsible for all the loss and liability arising therefrom.
(c)The telephone and network charges related to this service shall be borne by you. You may not be able to use the service normally payment is overdue to your mobile service provider.
(d)You shall be responsible for any risk and liability incurred as a result of your unauthorized transfer or authorization of the use of your Financial IC Card to others, and UnionPay shall not be held responsible in any respect.
(e)You may not use any technology or measure to destroy or disrupt the normal operation of the UnionPay Mobile Payment application.
(a)Your mobile phone is lost or the phone number you provided when you enrolled for a UnionPay Account is incorrect;
(b)During the payment process, you do not review and verify the transaction information, which leads to an inconsistency between the transaction that was paid and the transaction you originally intend to conduct;
(c)You fail to comply with the terms of this Service Agreement or any operating instructions provided on the UnionPay website, including requirements to periodically change the password to your UnionPay Account;
(d)You do not properly protect your UnionPay Account information, UnionPay Card information, personal identification information or mobile phone information (including verification code), which causes the information to be disclosed or made available to unauthorized users.
Through the UnionPay App, UnionPay provides UnionPay Users with Value-added Services such as providing points, Coupons and E-tickets. Cardholders can register and log in to the UnionPay App via the UnionPay website, a mobile terminal or other terminals. After successful registration of the UnionPay Account, you must register at least one UnionPay Card in order to use any Value-added Service provided by UnionPay App.
(a)“Coupon” means an electronic certificate provided by a participating merchant and obtained by the UnionPay User through the UnionPay App that will provide the user with certain discounts or price reduction of merchant products or services if the coupons are presented to the merchant at the time of purchase.
(b)You acknowledge and agree that:
(i)Coupons are provided by merchants. UnionPay only provides the platform for obtaining the Coupons or issuing Coupons on behalf of the merchants. You should use the Coupons according to the Coupons usage rules (including amendments thereto from time to time) announced by the merchants who provide the Coupons, and the Coupons usage rules announced by the merchants shall prevail.
(ii)You can obtain the Coupons via two methods: Manually: You can download the Coupons from the UnionPay App; Automatically: If you meet certain conditions, the UnionPay App will automatically push the coupons provided by the merchants to your UnionPay Account. Such conditions will be determined by UnionPay and participating merchants. UnionPay and the relevant merchants may determine how coupons are provided through the UnionPay App in their discretion and without notice to you.
(c)Coupons are provided by participating merchants. UnionPay does not provide any guarantee to as to the authenticity, legality and usability of the Coupons. Any disputes or losses arising from the Coupons shall be resolved by You and the merchants who provided the Coupons, and UnionPay shall not be responsible in any respect.
(a)“E-ticket” means an electronic certificate provided by a participating merchant and obtained or managed by the UnionPay User through UnionPay App, which is the electronic form of an ordinary paper ticket. The UnionPay User can use E-tickets to enter participating cinemas, parks, exhibition halls, museums, etc. corresponding to the e-tickets.
(b)E-tickets are provided by participating merchants, UnionPay only displays and provides downloads for such E-tickets on the UnionPay App or pushes such E-tickets to UnionPay Users; UnionPay does not provide any guarantee as to the authenticity, legality and usability of the E-tickets. Any disputes or losses arising from the E-tickets shall be resolved by You and the merchant who provided the E-tickets, and UnionPay shall not be responsible in any respect.
YOUR USE OF THE UNIONPAY APP IS AT YOUR OWN RISK. THE UNIONPAY APP AND ALL THE MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICES AND OTHER CONTENT IN THE UNIONPAY APP ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE UNIONPAY APP, UNIONPAY, AND ANY SUBSIDIARIES OR AFFILIATED COMPANIES OF UNIONPAY (“THE UNIONPAY GROUP”) DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, USE AND NON-INFRINGEMENT. THE UNIONPAY GROUP DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE UNIONPAY APP WILL BE AVAILABLE, UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE UNIONPAY APP OR THE SERVERS THAT MAKE THE UNIONPAY APP AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE UNIONPAY GROUP DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIAL, INFORMATION, SOFTWARE, FACILITIES, SERVICES, OR OTHER CONTENT ON THE UNIONPAY APP OR ANY WEBSITES LINKED TO THE UNIONPAY APP IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE UNIONPAY GROUP MAKES NO WARRANTIES THAT YOUR USE OF THE MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICES, OR OTHER CONTENT IN THE UNIONPAY APP OR ANY APP OR WEBSITE WILL NOT INFRINGE THE RIGHTS OF OTHERS AND THE UNIONPAY GROUP ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICES, OR OTHER CONTENT OF THE UNIONPAY APP OR ANY OTHER APP OR WEBSITE. IF APPLICABLE LAW DOES NOT ALLOW THE EXCLUSION OF SOME OR ALL OF THE ABOVE IMPLIED WARRANTIES TO APPLY TO YOU, THE ABOVE EXCLUSIONS WILL APPLY TO YOU ONLY TO THE EXTENT PERMITTED BY APPLICABLE LAW.
TO THE EXTENT PERMITTED BY APPLICABLE LAW THE UNIONPAY GROUP DISCLAIMS ALL LIABILITY, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, AND WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGES (DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, INCIDENTAL, SPECIAL, EXEMPLARY, OR OTHERWISE) INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, RESULTING FROM ANY USE OF, OR INABILITY TO USE, THE UNIONPAY APP OR ANY OTHER APP OR WEBSITE, OR THE MATERIAL, INFORMATION, SOFTWARE, FACILITIES, SERVICES, OR OTHER CONTENT ON THE UNIONPAY APP OR ANY OTHER APP OR WEBSITE, REGARDLESS OF THE BASIS UPON WHICH LIABILITY IS CLAIMED AND EVEN IF ANY MEMBER OF THE UNIONPAY GROUP HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE. TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU (AND NOT ANY MEMBER OF THE UNIONPAY GROUP) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION IN THE EVENT OF ANY SUCH LOSS OR DAMAGE.
You agree to indemnify and hold harmless the UnionPay Group and each of their officers, directors, employees, agents, distributors, and affiliates from and against any and all claims, demands, liabilities, costs or expenses, including reasonable attorney's fees, resulting from your breach of this Service Agreement, including any of the foregoing provisions, representations or warranties, from your placement or transmission of any content onto UnionPay’s servers and/or from any and all use of your UnionPay Account or the UnionPay App.
All matters relating to your access to or use of the UnionPay App, including all disputes, will be governed by the laws of the United States and by the laws of the State of New York without regard to its conflicts of laws provisions. You agree to the personal jurisdiction by and venue in the state and federal courts in New York, and waive any objection to such jurisdiction or venue.
Under California Civil Code Section 1789.3, California users of the UnionPay App are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 400 R Street, Suite 1080, Sacramento, California 95814, or by telephone at (916) 445-1254 or (800) 952-5210.
Please contact us by email at apphelp@unionpayintl.com or call the UnionPay official hotline at 866-567-5516.
If any provision of this Service Agreement are adjudged, by written decision, to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between you and UnionPay relating to the matters contained here and the UnionPay App.