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XTransfer用户协议
更新时间:2022 年 10 月 14 日
1.本服务条款范围及阅读原因
本《XTransfer用户协议》(以下简称“本协议”)是您与XTransfer之间就注册XTransfer账号及使用XTransfer的各项服务等相关事宜所订立的协议。
为使用XTransfer的服务,您应当仔细阅读并遵守本协议下的全部内容,特别是涉及免除或者责任限制的条款,该类条款可能以黑体加粗或加下划线的形式提示您重点注意。
除非您已阅读并接受本协议所有条款,否则您将不能注册XTransfer账号或使用XTransfer的服务,如您不同意本服务条款的任意内容,请勿注册或使用XTransfer的服务,并应立即停止注册程序。如您对本协议的内容(特别是涉及免除或者责任限制的条款)有任何疑义,可随时按照本协议中列明的联系方式与我们联系,我们将根据您的要求为您进一步解释和说明相关内容。
如您勾选“我同意/接受《XTransfer用户协议》”并通过注册程序或其他任何方式使用或接受XTransfer的任何服务,即视为您已阅读并同意本协议,自愿接受本协议的所有内容的约束。请您在决定注册或使用服务前再次确认您已知悉并完全理解本协议的所有内容。
定义
  • 用户/您:在XTransfer官方网站上或XTransfer官方APP客户端或微信公众号或微信小程序或其他与XTransfer相关的官方应用程序/网站注册和/或正在注册XTransfer账号并拟使用XTransfer平台相关服务的用户。
  • 我们/XTransfer:指XTransfer集团,包括XTransfer Limited,一家香港公司,以及所有的子公司或关联公司。
  • XTransfer账号:您根据本协议为使用服务而在XTransfer平台开设的在线账号(即以您的名义注册的唯一分类账号)。
  • XTransfer平台:XTransfer或其商业合作伙伴向用户提供服务的XTransfer官方网站、XTransfer官方APP、微信公众号、微信小程序及其他线上平台之统称。
  • 服务:XTransfer或其商业合作伙伴通过XTransfer平台向用户提供的产品、服务、内容、特性、技术或功能以及所有相关的网站和服务。
  • 商业合作伙伴:是指在提供服务的过程中,XTransfer使用的银行、支付服务提供商、清算网络和其他第三方机构。
  • 关联方:控制某一方的、或被某一方所控制的、或与某一方共同受控制于同⼀实体的任何企业。控制是指直接或间接拥有该企业百分之五⼗(50%)以上的股权、投票权或管理权。
2.协议范围

2.1【协议内容】本协议内容同时包括:

(1) 本《XTransfer用户协议》文本;

(2)《隐私与安全政策》:XTransfer将按照《隐私与安全政策》中所公布的政策在具体服务中进行隐私及个人信息的收集、存储、使用、披露等活动。您在注册XTransfer账号前,应仔细阅读《隐私与安全政策》;

(3)具体服务的服务条款:您的XTransfer平台账号一经注册,即可凭该账号按规定享受XTransfer平台上的各项丰富的服务。为更好地向您提供各项服务,XTransfer平台针对具体的服务制定了专门的服务条款,供服务各方遵守。您可在【相关具体服务的网站、页面或应用程序】中查阅并下载此类专门服务条款。您在使用具体服务前,应仔细阅读该服务所适用的服务条款,您注册XTransfer账号并利用XTransfer账号使用具体服务即表示您已同时接受该等服务条款,并将受该等服务条款的约束;

(4)专项商品或服务规则。为更好地提升用户体验,XTransfer在若干具体专项商品或服务中特别制定了详细的规则,供各方遵守。

(5)第三方服务相关的用户授权协议。为方便您在使用XTransfer平台服务的同时,根据您自身需要,通过XTransfer平台进行跳转等方式,自愿选择接受独立第三方服务商及部分关联第三方服务商所提供的服务,您将在使用该等第三方服务前对相应的用户授权协议予以同意确认,以作为您和XTransfer平台之间就该等第三方服务的使用所涉及的相关事项的权利义务依据。 

上述各项内容之间如存在不一致之处,以时间上最新发布的内容为准,发布时间相同的,以本款【协议内容】中所包含的组成部分的序号倒序排列为准。

 2.2【协议遵守】您理解并同意:

(1)上述【协议内容】中所述的协议、政策、条款与规则构成本协议不可分割的组成部分,共同适用于XTransfer平台。

(2)根据国家法律法规变化、运营需要或为提升服务质量的目的,XTransfer将在必要的时候对上述各项协议、条款与规则不时地进行修改更新,并通过在网页或移动客户端上发出公告、站内信等合理、醒目的方式向您进行通知,上述修改更新内容将在相关更新说明中指定的日期开始实施。

(3) 您应当及时查阅并了解相关更新修改内容,如您不同意相关更新修改内容,可停止使用相关更新修改内容所涉及的服务,此情形下,变更事项对您不产生效力;如您在上述更新修改内容实施后继续使用所涉及的服务,将视为您已同意各项更新修改内容。

3.XTransfer账号规范
3.1注册XTransfer账号
账号注册所需信息
您承认法律要求我们对您进行所有必要的安全和客户尽职调查,以便为您提供服务。您可能需要提供额外信息(以我们可以接受的格式),以便我们验证您的身份,这也是为您注册XTransfer账号、处理您的支付订单或向您提供服务的前提条件。您授权我们能不时获得一份或多份您的信用报告,以建立、更新、延续您的XTransfer账号,或处理与本协议相关的争议和/或您XTransfer账号下的活动。
我们有权要求提供额外信息,包括但不限于注册XTransfer账号的企业的股东、实益拥有人、控制人、授权代表和/或高级管理层(董事或同等)的信息。您同意在您的XTransfer账号中对这些信息保持更新。您必须通过登录您的XTransfer账号更新这些信息,向XTransfer告知关于所有权或管理层的任何变化。我们可能会直接或通过任何第三方进行我们认为必要的任何查询,以证实您向我们提供的信息的真实性和准确性,包括使用保密方式检查商业数据库或信用报告。
您在注册过程中或之后的任何时间提供的所有信息必须是完整、准确和真实的。如果这些信息发生变更,您可以登录您的XTransfer账号更新您的资料和/或信息。我们在任何时候都可以出于某个原因拒绝或停止向任何人或实体提供服务,详见本协议第4.2条所述。
账号注册注意事项
您将只能注册一个XTransfer账号,除非我们明确批准您注册额外账号。XTransfer可以拒绝为同一用户创建重复账号。如果检测到重复账号,XTransfer可以对这些重复账号进行关闭或合并,且无需向您发出通知。
作为注册程序的一部分,您将需要接受本协议及本协议第2.1条约定的【协议内容】。XTransfer有权拒绝开立或更新XTransfer账号,我们也保留在任何时候自行决定终止或限制您的XTransfer账号的权利。
您将能查看资金、适用的任何费用、可用的促销和从您的XTransfer账号中提取的交易等的相关信息。请您定期检查这些信息,并通过联系XTransfer客服尽快报告任何差异或澄清任何问题。
3.2用户资格和授权代表
您在此声明:
• 您是一家独立公司(或同等法律实体),依据注册地所在辖区的法律合法成立、有效存在且信誉良好;
• 您拥有在您开展业务的每个辖区内合法经营所需的所有执照、监管审批、许可和权力;
• 您拥有签署和执行本协议并开展本协议规定交易和义务的公司权力、授权和合法权利;
• 您开设和/或使用XTransfer账号不违反任何适用于您的法律,这些法律包括但不限于与支付、反洗钱、经济制裁、出口管制、数据保护、知识产权、赌博、虚假广告、非法买卖或交换任何商品或服务、进出口、税收和外汇兑换相关的法律。
• 您可以指定“授权代表”(例如,您的董事、高管、员工或专业顾问)访问该服务。您必须向 XTransfer 提供 XTransfer 所要求的相关文件,以证明该授权代表根据适用法律已由您合法授权代表您签署本协议 (例如授权书)。 您必须确保您的授权代表年满18岁或以上, XTransfer可能会要求提供您授权代表的年龄证明。
• 您同意,您的授权代表有权代表您向我们发出服务指令,我们可以依赖您的授权代表的指令行事,您将受其行为的约束,直到您向我们提供撤销或其他变更授权代表权限的书面通知;如果我们怀疑存在未经授权或欺诈性的访问,我们可能会拒绝您的授权代表访问我们的服务。
• 您必须在XTransfer保持良好信誉,才能使用XTransfer的服务。
3.3您的责任
管理您的账号
您必须确保记录在您XTransfer账号上的信息始终是准确和最新的,否则,我们将不会为由此导致的任何损失承担责任。我们可以在任何时候要求您确认您信息的准确性或提供文件或其他证明。
我们可能会通过您注册的电子邮件或其他方式(例如通过电子邮件或XTransfer账号内的电子通信)与您联系,告知与您的XTransfer账号相关的信息或通知。如果您没有维护或检查自己的电子邮件或其他通信方式,可能会错过关于您的交易和我们的服务的电子邮件和/或其他通信内容。由此产生的任何结果或损失,我们不承担任何责任。
保证您的账号安全
我们已经采用了商业上合理的管理和技术程序和手段,以保护您的专属信息免受意外损失和未经授权的访问、使用或披露。但我们不能保证未经授权的第三方将永远无法击败这些措施或将这些专属信息用于不正当的目的。
您使用的XTransfer额外的产品或服务可能会有额外的安全要求,您必须熟悉我们告知您的相关要求。
请切勿向任何第三方披露您的XTransfer账号密码或您的客户参考号。请保证它们的安全并定期更新您的密码。我们绝不会要求您向我们或第三方提供您的密码。如果有任何人询问您的密码,请告知我们,如果您有不确定的情况,请联系service@xtransfer.cn。如果您需要额外的支持,请联系我们。切勿让任何人登录您的XTransfer账号或者看到您登录XTransfer账号。
如果您怀疑自己的XTransfer账号、登录详细信息、密码或其他安全特性被盗、丢失、被未经授权使用或盗用,我们建议您更改密码。我们需要您定期检查自己的XTransfer账号的交易记录。如果发生任何未授权、错误或不正确的交易,或怀疑您的XTransfer账号被盗用时,请立即联系service@xtransfer.cn。任何不当的延迟通知不仅会影响您XTransfer账号的安全性,而且可能导致您对相应的财务损失负责。
3.4遵守法规
您在注册XTransfer账号时承诺遵守法律法规、社会主义制度、国家利益、公民合法权益、公共秩序、社会道德风尚和信息真实性等底线和准则, 不得在账号注册资料中出现违法和不良信息,且您保证其在注册和使用账号时,不得有以下情形:
(1)违反宪法或法律法规规定的;
(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,损害公共利益的;
(4)歪曲、丑化、亵渎、否定英雄烈士事迹和精神,以侮辱、诽谤或者其他方式侵害英雄烈士的姓名、肖像、名誉、荣誉的;
(5)宣扬恐怖主义、极端主义或者煽动实施恐怖活动、极端主义活动的;
(6)煽动民族仇恨、民族歧视,破坏民族团结的;
(7)破坏国家宗教政策,宣扬邪教和封建迷信的;
(8)散布谣言,扰乱社会秩序,破坏社会稳定的
(9)散布淫秽、色情、赌博、暴力、凶杀、恐怖或者教唆犯罪的;
(10)侮辱或者诽谤他人,侵害他人合法权益的;
(11)含有法律、行政法规禁止的其他内容的。
4.终止/暂停服务
4.1您终止服务的权利:
您可以在任何时候提前30天书面通知我们终止您的XTransfer账户。终止通知必须从您在我们这里登记的正式电子邮件地址发送到service@xtransfer.cn。在终止生效之日:
  1. 您将立即停止对XTransfer账户的所有使用,并将退回包含或关于XTransfer账户的任何文件、说明和其他材料;
  2. 您在本协议项下使用服务的所有付款义务将立即到期应付;
  3. 我们将立即退还我们在您的用户银行账户持有的您的任何资金(您应当负责随时保持用户银行账户详细信息的更新和准确性);和
  4. 为避免疑义,任何一方的终止均不会影响之前已经进行的任何条款,也不会免除任何一方由于本协议产生的任何未尽义务。本协议所有根据其性质在终止时应当存续的条款在协议终止后应继续有效,包括但不限于所有权条款、保证免责声明、赔偿和责任限制。
4.2 XTransfer提出终止/暂停服务:
我们保留终止您XTransfer账户或任何相关服务的权利。
如果发生以下情况,我们可随时暂停或终止您的XTransfer账户并且无需发出通知:
  1. 您违反了本协议或本协议引用文件的任何条款;
  2. 我们有理由相信您违反了任何适用法律或法规;
  3. 法律、政府主管部门、公共机构或执法机构要求或指示我们这么做;
  4. 我们有理由相信您参与了任何欺诈活动、洗钱、恐怖主义融资或其他犯罪和/或非法活动;
  5. 我们相信您的XTransfer账户已被盗用或出于其他安全原因;或者我们怀疑在没有得到您授权的情况下或以欺诈方式使用了或正在使用您的XTransfer账户。
严禁将XTransfer服务用于任何非法目的,包括但不限于欺诈、贿赂、洗钱或恐怖主义融资。严禁在使用XTransfer服务时有任何滥用、利用或规避法律法规的尝试或行为。
XTransfer按照本协议、相关法律法规或其他相关协议、规则,对您采取限制、中止、冻结或终止您对账号的使用等措施,而由此给您带来的损失(包括但不限于通信中断,用户资料、虚拟财产及相关数据、增值服务、产品或服务等的清空或无法使用等损失),由您自行承担。
5.激励(推广)计划
XTransfer将根据自行决定不时推出推广计划。所有此类计划均有与各个计划相关的条款和条件,并将通过我们的网站和/或我们的任何其他通讯方式通知您(客户)。
如果我们怀疑违反了条款或者我们确定任何活动属于滥用性质,XTransfer有权中止和删除对推荐计划的访问或拒绝给予奖励。我们还保留随时修改激励计划的权利。
6.通讯和投诉
我们将使用您在XTransfer账户资料中提供的联系方式与您联系——请及时更新您的联系方式。通过使用我们的服务,您同意接收我们的电子通讯。
通过电子邮件发送的任何通讯或通知,如果在工作日下午5点之前到达您的电子邮件收件箱,被视为当天送达;否则5点之后,被视为在下一个工作日送达。通过邮寄发送的任何通讯或通知,在当地邮政投寄之日起三 (3) 天内或国际邮政投寄后五 (5) 天内,被视为送达。通过 SMS 发送的任何通信或通知被视为当天送达。
您可以通过电子邮件、信件或电话与我们联系,联系方式详见附录 A联系方式”部分或我们网站“关于我们”部分中所列详细信息。
如果您对我们或我们的服务有任何投诉,可以首先发送电子邮件至complaints@xtransfer.cn与我们联系。
我们将尽最大努力及时处理您的投诉。
7.我们的责任限制
在适用法律允许的最大范围内,在任何情况下,XTransfer将不会根据任何侵权理论、合同、严格责任或其他法律或公平理论对利润损失、间接、附带、特殊、结果性、示范性或惩罚性损害负责,XTransfer与您的协议已经排除了以上各项,无论这些损害是否可以预见,或者已经向XTransfer或任何实体告知这些损害的可能性。尽管本协议中有任何相反规定,XTransfer的累计责任,包括与这些条款和条件项下义务有关的索赔、费用、损害或赔偿义务,将不得超过基于引起投诉的事件发生之日前十二(12)个月里您因使用XTransfer提供的服务向XTransfer支付的总费用。在任何情况下,XTransfer、其关联公司、代理、代表、董事、高管或员工将不会对其合理控制范围以外的情况导致的任何行为或疏忽负责。
本协议中的任何内容均不排除任何一方的以下责任,其中包括因欺诈、不诚实或欺骗造成的任何损失,由于一方的疏忽或其员工或代理的疏忽导致的死亡或人身伤害,或法律未排除的任何其他责任。
7.1 IT和基础设施
因病毒或其他技术攻击或有害物质引起您的计算机设备、计算机程序、数据或其他与您使用我们服务有关的专有材料的感染,并导致您面临损失或损害的,我们将不负任何责任。
我们无法控制链接到我们网站的其他网站,因此我们对它们的内容以及由于您使用它们导致的任何损失或损害不承担任何责任。
7.2差错解决和未经授权交易
如果您认为交易存在差错或其他问题,您应尽快通过service@xtransfer.cn或我们网站上发布的客服热线通知XTransfer。我们将在您与我们联系后的90天内相应调查并确定是否发生差错。
如果由于我们的错误导致未经授权的结算或错误,我们将根据您的要求进行退款,包括我们扣除的所有费用。本条款不适用于:
  1. 如果您没有通过service@xtransfer.cn或我们网站上发布的客服热线立即向我们通知您的XTransfer账户(如密码丢失)的安全问题;
  2. 如果由于您的故意或重大过失导致您XTransfer的账户安全受到威胁,从而导致交易未经授权;或者由于您未能安全保存您XTransfer账户的个性化安全特性,从而导致未经授权的结算。在这些情况下,您将自行承担所有损失,除非各个司法管辖地的适用法律/法规另有规定;
  3. 如果在您发送结算请求之日起的6个月内没有向我们告知未经授权或错误的已完成交易。
如您在通过service@xtransfer.cn或我们的客服热线通知我们后发出结算申请,则上述第(1)项将不适用。在该情况下,我们仍将对任何未经授权的交易承担责任并向您进行赔偿。
此外,我们需要您定期检查您XTransfer账户的交易记录,如果有任何问题或疑问,请立即联系客服。
如果发生任何错误或误导结算,我们将采取商业上的合理努力帮助您跟踪和追回这些结算。如果事情在我们的控制范围以外,我们(和我们的服务提供商)将不会对无法或延迟追回承担责任。
如果由于您违反本协议、任何适用法律或法规和/或您使用我们的服务导致损失、索赔、成本和费用,您同意对我们和我们的服务提供商进行全额赔偿并保护我们免受损害。在双方关系终止后本条款仍将继续有效。
7.3相关合作伙伴
XTransfer将不对任何第三方服务提供商导致的损失或损害承担责任。
8.赔偿
您完全同意赔偿并使XTransfer和其服务提供商及他们各自的董事、高管、员工和代理不承担任何索赔和费用,包括由于您使用XTransfer服务导致的律师费,包括但不限于您违反本协议的情况。
9.隐私
我方收集贵方信息的主要目的在于向贵方提供一个安全、流畅、有效和定制化的体验。
我们和我们的服务提供商会通过cookies、网络信标和其他技术自动收集您使用我们的网站和在线服务的信息。
我方可能会在贵方使用我方服务时收集和保存贵方向我方提供的任何信息,包括贵方在网页表单上添加信息、添加或更新贵方的账户信息、参与争议解决,或以其他方式就我方的服务与我方进行通信。
在开设XTransfer账户时,我们需要获得您的同意,我们可能会与第三方分享您的信息,包括服务提供商、被监管机构(如金融机构)、关联方以及合作伙伴。
如需了解详细信息,请参阅隐私与安全政策
10.知识产权
在您使用我们的服务时,您只能将XTransfer材料用于您的商业用途,并且仅在与服务相关的必要时使用。
XTransfer材料”包括由我们或我们的关联公司开发和提供给您从我们网站下载的任何软件(包括但不限于开发人员工具、示例源代码和代码库)、数据、材料、内容以及印刷和电子文档(包括任何规范和集成指南)。您不得或不得试图直接或间接:
(1)针对我们的服务或XTransfer 材料中的任何权利向任何个人或实体转让、再许可、出借、出售、转让、租赁、出租、分发或授权;
(2)删除、隐藏或更改我们的服务或XTransfer 材料上出现或包含的针对我们的商标或其他知识产权的任何通知;
(3)修改、复制、篡改或以其他方式创建针对 XTransfer 材料中包含的任何软件的衍生品;或者
(4)对XTransfer 材料或我们的服务进行逆向工程、反汇编或反编译,或应用任何其他过程或程序来获取XTransfer 材料中包含的或作为我们服务一部分的任何软件的源代码。
11.法律适用及争议解决
本协议受香港法律管辖并根据香港法律进行解释。由于本协议引起或与之相关的任何争议、争论、分歧或索赔,包括存续、有效性、解释、履约、违约或终止或关于本协议的非合同义务引起的任何争议,将提交到香港国际仲裁中心(“HKIAC”),根据HKIAC现行的仲裁规则通过仲裁进行最终裁决。仲裁地为香港。仲裁员人数为一(1)人。仲裁程序应当以英语进行。
附件A XTransfer 集团机构和服务

国家/区域

XTransfer 机构

服务/币种

牌照/许可

联系方式

适用法律

争议解决

香港

信汇宝有限公司

收款代理服务、支付代理服务、外汇服务、或通过/经由香港本地银行账户的资金结算服务;币种:美元、人民币、港元、欧元、英镑、日元、新加坡元、澳元、加元、瑞士法郎、丹麦克朗、新西兰元、挪威克朗、瑞典克朗、泰铢、南非兰特

香港海关颁发金钱服务经营商(Money Service Operator)

香港中环夏慤道12号美国银行中心6楼 (6th Floor, Bank of America Tower, 12 Harcourt Road, Central, Hong Kong); service@xtransfer.com

香港法

香港国际仲裁中心 (HKIAC)仲裁

英国

XTransfer UK Limited

收款代理服务、支付代理服务、外汇服务、或通过/经由英国本地银行账户的资金结算服务;币种:英镑 (GBP)

英国金融行为监管局颁发授权支付机构牌照(Authorized Payment Institution)

No. 201 Borough High Street, London, SE1 1JA, United Kingdom; service@xtransfer.com

英国法

伦敦国际仲裁院 (LCIA) 仲裁

新加坡

XTransfer Pte. Ltd.

收款代理服务、支付代理服务、外汇服务、或通过/经由新加坡本地银行账户的资金结算服务;币种:新币 (SGD)

支付机构牌照(MPI)申请中

1 Marina Boulevard, Level 20, Singapore 018989

新加坡法

新加坡国际仲裁中心 (SIAC)仲裁

美国

XTransfer Inc.

收款代理服务、支付代理服务、外汇服务、或通过/经由美国本地银行账户的资金结算服务;币种:美元 (USD)

美国金融犯罪执法局登记注册资金服务业务 (MSB)

service@xtransfer.com

纽约州法

位于纽约的美国仲裁协会 (AAA) 仲裁

欧盟/欧洲经济区

XTransfer B.V.

收款代理服务、支付代理服务、外汇服务、或通过/经由欧盟本地银行账户的资金结算服务;币种:欧元 (EUR)

service@xtransfer.com

欧盟法/荷兰法

位于阿姆斯特丹的荷兰仲裁协会 (NAI)仲裁

日本

XTransfer Japan 株式会社

收款代理服务或通过/经由日本本地银行账户的其他附属服务;币种:日元 (JPY)

service@xtransfer.com

香港法

香港国际仲裁中心 (HKIAC)仲裁

加拿大

XTransfer CA Inc

收款代理服务或通过/经由加拿大本地银行账户的资金结算服务;币种:加元 (CAD)

加拿大金融交易与报告分析中心登记注册资金服务业务 (MSB)

service@xtransfer.com

香港法

香港国际仲裁中心 (HKIAC)仲裁

澳大利亚

XTransfer AU Pty Ltd

收款代理服务或通过/经由澳大利亚本地银行账户的资金结算服务;币种:澳元 (AUD)

澳洲交易报告分析中心登记注册 汇款服务提供商 (Remittance Service Provider)

service@xtransfer.com

香港法

香港国际仲裁中心 (HKIAC)仲裁

XTransfer User Agreement
Updated date: October 14, 2022
This XTransfer User Agreement (hereinafter referred to as the "This Agreement") is an agreement between you and XTransfer on matters related to the registration of XTransfer accounts and the use of XTransfer services.In order to use XTransfer's services, you shall carefully read and abide by this agreement, especially the clauses involving exemption or limitation of liability, which may be highlighted in bold or underlined.Unless you have read and accepted all the terms of this agreement, you are not allowed to register an XTransfer account or use XTransfer services. If you do not agree with any term of this agreement, please do not register or use XTransfer services, and you shall immediately stop the registration process. If you have any doubt upon the contents of this agreement (especially the clauses involving exemption or limitation of liability), you may contact us at any time according to the contact information listed in this agreement, and we will further explain the relevant contents based on your request.

If you check "I agree/accept XTransfer User Agreement" and use or accept any services of XTransfer through registration or any other means, you shall be deemed to have read and agreed to this Agreement and voluntarily accept all contents hereof. Please confirm again that you are aware of and fully understand all contents of this Agreement before you decide to register or use the Services.

1.Definition

1.1 Users/You: users who register and/or are registering XTransfer accounts on XTransfer official websites or XTransfer official APP or WeChat official accounts or WeChat Mini Program or other official applications/websites related to XTransfer and intend to use XTransfer platform related services.

1.2 We/XTransfer: XTransfer Group, consisting of XTransfer Limited, a Hong Kong corporation, along with all its subsidiaries or affiliated companies.

1.3 XTransfer Account:the online account you have opened with us (i.e., a unique account ledger registered under your name) in accordance with the terms of this Agreement for use of our Services.

1.4 XTransfer platform: XTransfer official website, XTransfer official APP, WeChat official account, WeChat Mini Program and other online platforms that XTransfer or its business partners provide services to users.

1.5 Services:products, services, content, features, technologies or functions and all related websites and services that are offered by XTransfer or its Service Providers.

1.6 Business partners: banks, payment service providers, clearing networks and other third parties used by XTransfer in the course of providing the Services.

1.7 Affiliated party: any enterprise that controls, is controlled by or is under common control with a party. Control means directly or indirectly owning more than fifty percent (50%) of the equity, voting rights or management rights of the enterprise.

2.Scope of Agreement

2.1 [Agreement Content]The contents of this Agreement shall simultaneously include:

(1) The text of this XTransfer User Agreement;

(2) Privacy and Security Policy: XTransfer will collect, store, use and disclose privacy and personal information in specific services in accordance with the policies published in the Privacy and Security Policy. Before you register your XTransfer account, you shall carefully read the Privacy and Security Policy;

(3) Terms of Service for specific services: Once your XTransfer account is registered, you are entitle to various services on XTransfer Platform with this account accordingly. In order to better provide you with various services, XTransfer platform has formulated special terms of service for specific services for all service parties. You may view and download these special Terms of Service in [Related Specific Service website, page or application]. You should carefully read the terms of service applicable to the Service before using any service. Please be aware that we deem your register of XTransfer account and using specific services with your XTransfer account an acceptance for such service terms as well as a willingness to be bound by such service terms.

(4) Rules for special goods or services. In order to better improve the user experience, XTransfer has specially formulated detailed rules in a number of specific special goods or services for all parties to abide by.

(5) User authorization agreements related to third-party services. In order to facilitate your use of XTransfer Platform ,you may voluntarily choose to accept the services provided by the independent third party service providers and some affiliated third party service providers by means of a link jump from XTransfer Platform, and you will agree and confirm the corresponding user authorization agreement before using such third party services,which shall be deemed as the basis of your rights and obligations between you and XTransfer Platform in connection with the use of such third party Services.

In case of any inconsistency between the contents mentioned above, the latest release version shall prevail. If the release time is the same, the reversed sequence number of the components contained in this clause [Agreement Content] shall prevail.

2.2 [Agreement Compliance] You understand and agree that:

(1) The agreements, policies, terms and rules described in the above [Agreement Content] constitute an integral part of this Agreement and are jointly applicable to XTransfer platform.

(2) In accordance with changes in national laws and regulations, operational needs or for the purpose of improving service quality, XTransfer will modify and update the above agreements, terms and rules from time to time when necessary, and notify you through reasonable and significant ways such as posting on the website or mobile client, and the above modifications and updates will be implemented on the date specified in the relevant update instructions.

(3) You should check and understand the relevant updated and modified contents in a timely manner. If you do not agree with the relevant updated and modified contents, you can stop using the services involved in the relevant updated and modified contents. In this case, the changes have no effect on you; If you continue to use the services involved after the implementation of the above updates and modifications, it will be deemed that you have agreed to the updates and modifications.

3.XTransfer Account Specification

3.1Register XTransfer account

  1. Information required for account registration

You acknowledge that we are required by law to carry out all necessary security and customer due diligence checks on you to provide the Services to you. You may need to provide additional information (in a format acceptable to us) so we can verify your identity as a condition of registering your XTransfer Account, processing your payment order, or providing our Services to you. You authorise us to obtain one or more of your credit reports, from time to time, to establish, update, or renew your XTransfer Account with us, or in the event of a dispute relating to this Agreement and/or activity under your XTransfer Account.

We have the right to request additional information including, but not limited to, information on shareholders, beneficial owners, control persons, authorised representatives, and/or senior management (directors or equivalent) of the business registering for an XTransfer Account. You agree to keep such information up-to-date in your XTransfer Account. You must advise XTransfer regarding any change in the ownership or its management by logging into your XTransfer Account to update the profile. We may, directly or through any third party, make any inquiries we consider necessary to validate information that you provide to us, including checking commercial databases or credit reports, using confidential means.

All information you provide during the registration process or any time thereafter must be complete, accurate and truthful. You can login into your XTransfer Account to update your profile and/or information, whenever it changes. We may refuse to provide, or discontinue, the Services to you at any time for a reason, as elaborated further in Clause 4.2 of this Agreement.

(2) Precautions for account registration

You may only register for one XTransfer Account unless we explicitly approve the registration of additional accounts. XTransfer may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, XTransfer may close or merge these duplicate accounts without notification to you.

As part of the registration process, you will need to accept this Agreement and the [Agreement Content] agreed in Clause 2.1 hereof. XTransfer holds the right to decline the opening or updating of an XTransfer Account and we also reserve the right to terminate or limit your XTransfer Account at any point, at our sole discretion.

You will be able to see information regarding the Funds, any Fees applied, available promotions and transactions in your XTransfer Account. You should check this information regularly and report any discrepancies or clarify any questions you have as soon as possible by contacting XTransfer customer support.

3.2User eligibility and Authorised Representative

You declare that:

  • you are an independent corporation (or equivalent legal entity) duly organized, validly existing and in good standing under the laws of jurisdiction of incorporation;
  • you have all licenses, regulatory approvals, permits and powers legally required to conduct your business in each jurisdiction in which you carry on business;
  • you have the corporate power, authority and legal right to execute and perform this Agreement and to carry out the transactions and its obligations contemplated hereby; and
  • your opening and/or using of XTransfer Account does not violate any laws applicable to you, including without limitation those governing payments, anti-money laundering, economic sanctions, export controls, data protection, intellectual property, gambling, false advertising, illegal sale or purchase or exchange of any goods or services, export or import, taxation, and foreign currency exchange.

You may appoint an “Authorised Representative” (e.g., your director, officer, employee or professional advisor) to access the Services. You must provide XTransfer with relevant documents requested by XTransfer to evidence that such Authorised Representative has been legally authorised by you to enter into this Agreement on your behalf under applicable law (e.g. an authorisation letter). You must ensure that your Authorised Representative is 18 years or older, and XTransfer may request for evidence of your Authorised Representative’s age.

You agree that, your Authorised Representative has the authority to provide instructions to us for the provision of the Services on your behalf, we may rely on instructions given by the Authorised Representative, and you will be bound by his/her actions, until you provide us with written notice withdrawing or otherwise varying the authority of an Authorised Representative, and we may refuse your Authorised Representative’s access to Services if we are concerned about unauthorised or fraudulent access.

You must be in good standing with XTransfer in order to use XTransfer Services.

3.3Your responsibilities

(1)Managing your account

You must ensure that the information recorded on your XTransfer Account is always accurate and up to date, and we shall not be liable for any loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information or to provide documents or other evidence.

We may contact you by your registered email or in other ways (such as emails or electronic communications through your XTransfer Account) with information or notices regarding your XTransfer Account. If you don't maintain or check your email and other methods of communications, you may miss emails and/or other communications about your transactions and our Services. We shall not be liable for any consequence or loss arising from this.

(2)Keep your account safe

We have implemented commercially reasonable administrative and technical procedures to protect your proprietary information from accidental loss and from unauthorised access, use or disclosure. However, we cannot guarantee that unauthorised third parties will never be able to defeat those measures or use such proprietary information for improper purposes.

Additional XTransfer products or services you use may have additional security requirements and you must familiarise yourself with those as notified to you.

Never disclose your XTransfer Account password or your customer reference number to any third party. Keep them safe. Change your password regularly. We will never ask you to provide your password to us or to a third party. Tell us if anyone asks for your password and contact service@xtransfer.cn if you are not sure. Contact us if you need additional support. You must never let anyone access your XTransfer Account or watch you access it.

If you suspect your XTransfer Account, login details, password or other security feature is stolen, lost, used without authorisation or otherwise compromised, you are advised to change your password. We rely on you to regularly check the transactions history of your XTransfer Account. Contact service@xtransfer.cn immediately in case of any unauthorised, incorrect, or misdirected transaction, or when you suspect that your XTransfer Account has been compromised. Any undue delay in notifying us may not only affect the security of your XTransfer Account but may also result in you being responsible for financial losses.

3.4 Abide by the laws and regulations

When you register your XTransfer account, you promise to abide by the laws and regulations, the socialist system, the national interests, the legitimate rights and interests of citizens, public order, social ethics, and the authenticity of information, and other bottom lines and guidelines.You shall not have illegal and bad information in the account registration data, and you guarantee that when you register and use your account, you shall not have the following situations:

(1) Violation of the Constitution or laws and regulations;

(2) Endangering national security, divulging state secrets, subverting state power and undermining national unity;

(3) Harming national honor and interests or public interests;

(4) Distorting, vilifying, blaspheming or denying the deeds and spirits of heroes and martyrs, or infringing upon the names, portraits, reputation or honor of heroes and martyrs by insulting, slandering or other means;

(5) Publicizing terrorism and extremism or inciting terrorist or extremist activities;

(6) Inciting national hatred and discrimination and undermining national unity;

(7) Sabotaging the state's religious policies and propagating heresies and feudal superstitions;

(8) Spreading rumors, disturbing social order and undermining social stability;

(9) Spreading obscenity, pornography, gambling, violence, murder, terror or abetting crime;

(10) Insult or slander others and infringe upon their legitimate rights and interests;

(11) Containing other contents prohibited by laws and administrative regulations.

4.Termination/Suspension of Service

4.1Your right to terminate service:

You may terminate your XTransfer Account with us at any time by giving us 30 days’ notice in writing. The termination notice must be sent to service@xtransfer.cn from your official email address registered on records with us. Upon the effective date of termination:

(1)You will immediately cease all use of the XTransfer Account and return any and all copies of any documentation, notes and other materials comprising or regarding the XTransfer Account;

(2)All of your payment obligations under this Agreement for using Services will immediately become due and payable;

(3)We will promptly return any Funds of yours which we hold to your User Bank Account (it is your responsibility to keep your User Bank Account details up-to-date and accurate at all times); and

(4)For the avoidance of doubt, termination by either party shall not affect any provisions previously entered into and shall not relieve either party of any outstanding obligations arising out of this Agreement. All provisions of this Agreement which by their nature should survive termination including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

4.2Termination/suspension by XTransfer:

We reserve the right to terminate your XTransfer Account or any Services associated with it.

We may at any time suspend or terminate your XTransfer Account without notice if:

(1)you breach any provision of this Agreement or documents referred to in this Agreement;

(2)we have reason to believe you are in violation of any applicable law or regulation;

(3)we are requested or directed to do so by any competent court of law, government authority, public agency, or law enforcement agency;

(4)we have reason to believe you are involved in any fraudulent activity, money laundering, terrorism financing or other criminal and/or illegal activity;

(5)we believe that your XTransfer Account has been compromised or for other security reasons; or we suspect your XTransfer Account has been used or is being used without your authorisation or fraudulently.

It is strictly forbidden to use the XTransfer Services for any illegal purposes including, but not limited to, fraud, bribery, money laundering or terrorism financing. You are prohibited from using the XTransfer Services in any attempt to abuse, exploit, or circumvent any law or regulation.

In case that XTransfer takes measures to restrict, suspend, freeze or terminate your use of the account in accordance with this Agreement, relevant laws and regulations or other relevant agreements and rules, you shall bear the losses (including but not limited to communication interruption, user information, virtual property and related data, value-added services, products or services, etc., clearing or inability to use) caused to you on your own.

5.Incentive (Promotion) program

From time-to-time XTransfer will run promotional programs at our sole and absolute discretion. All such programs would have their own terms and conditions pertaining to the respective program and will be notified to you as the customer via our Website and/or any other mode of communication from us.

XTransfer reserves the right to discontinue and remove access to the referral program or to refuse a reward if we suspect violation of terms or any activity we determine as abusive. We also reserve the right to modify the incentive program at any time.

6.Communications and Complaints

We will contact you using the contact details you provided in your XTransfer Account profile – please keep these up to date. By using our Services, you agree to receive electronic communications from us.

Any communications or notices sent by email will be deemed received by you on the same day, if it is received in your email inbox before 5pm on a Business Day, or otherwise, it will be deemed received on the next Business Day. Any communications or notices sent by post will be deemed received three (3) days from the date of posting for local post or within five (5) days of posting for international post. Any communications or notices sent by SMS will be deemed received the same day.

You may contact us via email, mail or telephone by using the details specified in the “Contact” section in Appendix A or the “About Us” section in our Website.

If you have any complaints about us or our Services, you may contact us in the first instance by sending an email to complaints@xransfer.cn

We will do our best to address complaints submitted in a timely manner.

7.Limitation of Liabilities

To the fullest extent permitted by applicable law, under no circumstances will xtransfer or its affiliates be liable under any theory of tort, contract, strict liability or other legal or equitable theory for lost profits, indirect, incidental, special, consequential, exemplary, or punitive damages, each of which is excluded by agreement of xtransfer and you regardless of whether such damages were foreseeable or whether xtransfer or any entity has been advised of the possibility of such damages. Notwithstanding anything in this agreement to the contrary, xtransfer’s cumulative liability, including for claims, expenses, damages or indemnity obligations under or in connection with its obligations under these terms and conditions, will not exceed the total fees payable by you to xtransfer for the services, where such services are provided in the twelve (12) full months preceding the date of the event giving rise to the claim upon which liability is based. In no event shall xtransfer, its affiliates, agents, representatives, directors, officers, or employees be liable for any act or omission resulting from circumstance beyond their reasonable control.

Nothing in this Agreement excludes either party’s liability for any loss to the extent it is caused by fraud, dishonesty or deceit, death or personal injury caused by a party’s negligence or the negligence of its employees or agents or any other liability that cannot be excluded by law.

7.1IT and infrastructure

We will not be liable for any loss or damage caused by a virus, or other technological attacks or harmful material that may infect your computer equipment, computer programs, data or other proprietary material related to your use of our Services.

We have no control over websites linked to and from our Website and so we assume no responsibility for their content or any loss or damage that may arise from your use of them.

7.2Error resolution and unauthorized transactions

If you believe there to be an error in connection with a transaction or other problem, then you should notify XTransfer via service@xtransfer.cn or Customer service hotline published on our Website as soon as possible. We will accordingly investigate and determine whether an error occurred within 90 days after you contact us.

In case of an unauthorised settlement or mistake due to our error, we shall at your request refund the amount including all Fees deducted by us. This shall not apply:

(1)if you do not notify us promptly of any security issues on your XTransfer Account (e.g. loss of your password), via service@xtransfer.cn or Customer service hotline, which is published on our Website;

(2)if the transaction was unauthorised but you have compromised the security of your XTransfer Account with intent or gross negligence, or the unauthorised settlement arises from your failure to keep the personalized security features of your XTransfer Account safe, in which cases you shall be solely liable for all losses, except as otherwise required by applicable laws/regulations in respective jurisdictions.

(3)if you don’t let us know about the unauthorised or incorrectly completed transaction within 6 months from the date when you sent your settlement request.

Sub-clause (1) above shall not apply to settlement requests made after you have notified us via service@xtransfer.cn or Customer service hotline, in which case we shall remain liable and compensate any unauthorised transaction to you.

In addition, we rely on you to regularly check the transactions history of your XTransfer Account and to contact customer support immediately in case you have any questions or concerns.

In case of any incorrect or misdirected settlement, we will use commercially reasonable efforts to help you with tracing and recovering such settlement. We (and our Service Providers) cannot be liable for our inability to deliver or delay as a result of things which are outside our control.

In the unlikely event of loss or claims or costs and expenses arising out of your breach of this Agreement, any applicable law or regulation and/or your use of our Services, you agree to fully compensate us and our Service Providers and hold us harmless. This provision will continue after our relationship ends.

7.3Partner related

XTransfer will not be liable for the loss or damage caused by any third party Service Providers.

8.Indemnification

You agree to fully indemnify and hold harmless XTransfer and its Service Providers and their respective directors, officers, employees, and agents from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of the XTransfer Services, including but not limited to your violation of this Agreement.

9.Privacy

Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience.

We, and our Service Providers, automatically collect your information about your use of our Website and our online Services through cookies, web beacons, and other technologies.

We may collect and store any information you provide us when you use our Services, including when you add information on a web form, add or update your account information, participate in dispute resolutions, or when you otherwise correspond with us regarding our Services.

We may share your information with third parties, including our Service Providers, regulated institutions (e.g., financial institutions), affiliated entities, and partners after obtaining your consent at account opening.

Please refer to Privacy and Security Policy for details.

10.Intellectual Property Rights

While you are using our Services, you may use XTransfer Materials only for your business use and solely as necessary in relation to those Services.

“XTransfer Materials” include any software (including without limitation developer tools, sample source code, and code libraries), data, materials, content and printed and electronic documentation (including any specifications and integration guides) developed and provided by us or our affiliates to you for download from our Website. You may not, and may not attempt to, directly or indirectly:

(1)transfer, sublicense, loan, sell, assign, lease, rent, distribute or grant rights in the Services or the XTransfer Materials to any person or entity;

(2)remove, obscure, or alter any notice of any of our trade marks, or other intellectual property appearing on or contained within the Services or on any XTransfer Materials;

(3)modify, copy, tamper with or otherwise create derivative works of any software included in the XTransfer Materials; or

(4)reverse engineer, disassemble, or decompile the XTransfer Materials or the Services or apply any other process or procedure to derive the source code of any software included in the XTransfer Materials or as part of the Services.

11.Applicable Law and Dispute Resolution

This Agreement is governed by and shall be construed in accordance with the laws of the Hong Kong. Any dispute, controversy, difference or claim arising out of or relating to this Agreement, including the existence, validity, interpretation, performance, breach or termination thereof or any dispute regarding non-contractual obligation arising out of or relating to it shall be referred to and finally resolved by arbitration administered by the Hong Kong International Arbitration Centre (“HKIAC”) under the HKIAC Administered Arbitration Rules in force. The seat of arbitration shall be Hong Kong. The number of arbitrators shall be one (1). The arbitration proceedings shall be conducted in English.

Appendix A XTransfer Entities and Supported Services

Supported Jurisdiction

XTransfer Entity

Supported Service/Currency

License/ Approval

Contact

Governing Law

Dispute Jurisdiction

Hong Kong

XTransfer Limited

(信汇宝有限 公司)

Collection Agent Service, Payment Agent Service, Foreign Exchange Service, or related Funds settlement service with/through HK local bank account, in USD, CNY, HKD, EUR, GBP, JYP, SGD, AUD, CAD, CHF, DKK, NZD, NOK, SEK, THB, ZAR

Money Service Operator from Hong Kong Customs and Excise Department

6th Floor, Bank of America Tower, 12 Harcourt Road, Central, Hong Kong; service@xtransfer.com

HK Law

Arbitration in Hong Kong International Arbitration Centre (HKIAC)

United Kingdom

XTransfer UK Limited

Collection Agent Service, Payment Agent Service, Foreign Exchange Service, or related Funds settlement service with/through UK local bank account, in British pound (GBP)

Authorized Payment Institution from UK FCA

No. 201 Borough High Street, London, SE1 1JA, United Kingdom; service@xtransfer.com

UK Law

Arbitration in the London Court of International Arbitration (LCIA)

Singapore

XTransfer Pte. Ltd.

Collection Agent Service, Payment Agent Service, Foreign Exchange Service, or related Funds settlement service with/through Singapore local bank account, in Singapore dollar (SGD)

Major Payment Institution license (applied for)

1 Marina Boulevard, Level 20, Singapore 018989

Singapore Law

Arbitration in the Singapore International Arbitration Centre (SIAC)

United States

XTransfer Inc.

Collection Agent Service, Payment Agent Service, Foreign Exchange Service, or related Funds settlement service with/through US local bank account, in US dollar (USD)

Money Services Business from US FinCEN

service@xtransfer.com

New York Law

Arbitration in American Arbitration Association (AAA) in New York

European Economic Area (EEA)

XTransfer B.V

Collection Agent Service, Payment Agent Service, Foreign Exchange Service, or related Funds settlement service with/through EU local bank account, in Euro (EUR)

service@xtransfer.com

EU Law/Law of the Netherlands

Arbitration in Netherlands Arbitration Institute (NAI) in Amsterdam

Japan

XTransfer Japan 株式会社

Collection Agent Service, and other ancillary services with/through Japan local bank account, in Japanese Yen (JPY)

service@xtransfer.com

HK Law

Arbitration in Hong Kong International Arbitration Centre (HKIAC)

Canada

XTransfer CA Inc

Collection Agent Service or related Funds settlement service with/through Canada local bank account, in Canadian dollar (CAD)

Money Services Business from Canada FINTRAC

service@xtransfer.com

HK Law

Arbitration in Hong Kong International Arbitration Centre (HKIAC)

Australia

XTransfer AU Pty Ltd

Collection Agent Service or related Funds settlement service with/through Australia local bank account, in Australian dollar (AUD)

Remittance Service Provider from Australia AUSTRAC

service@xtransfer.com

HK Law

Arbitration in Hong Kong International Arbitration Centre (HKIAC)

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