在我们向您提供XTransfer证书前，需要您向XTransfer提供开立XTransfer账户需要的所有信息。

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，这也是为您开立XTransfer账户、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、延展您的XTransfer账户，或处理与本协议相关的争议和/或您XTransfer账户下的活动。

我们有权要求您提供额外信息，包括但不限于注册XTransfer账户的企业的股东和/或首席执行官（或同等）的信息。您同意在您的XTransfer账户中对这些信息保持更新。当您公司的所有权或管理层发生变更时，您必须通过登录您的XTransfer账户并进行相应信息的更新来及时让我们知晓。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。

出于法律原因，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，您必须对其进行更新。您可以登录您的XTransfer账户来更新您的资料或信息。我们在任何时候都可以出于某个原因向任何人或实体拒绝提供或停止服务。

您将只能开立一个XTransfer账户，除非我们明确批准您开立额外账户。XTransfer可以拒绝为同一用户创建重复账户。如果检测到重复账户，XTransfer可以对这些重复账户进行关闭或合并，且无需向您发出通知。

作为注册程序的一部分，您将需要接受这些条款和条件、我们的隐私与安全政策以及可能包含在注册过程中的其他XTransfer政策。如果您代表一家企业或商业实体注册了XTransfer服务，您必须获得该实体的合法授权并向XTransfer提供相关文件和/或根据适用法律同意这些条款和条件。XTransfer有权拒绝开立或更新XTransfer账户，我们也保留在任何时候自行决定终止或限制您的XTransfer账户的权利。

您将能在您的XTransfer账户中看到关于您的付入款项、费用、促销和结算交易等的相关信息。我们建议我们的客户定期检查这些信息，如有任何差异或任何问题需要澄清和报告时尽快联系XTransfer客服。

作为被授权的个人，您确认自己有权代表企业或公司来使用我们的网站或服务，并且该企业或公司也接受这些条款。我们要求您提供相应的证明，例如授权书。

客户必须年满18岁才能使用我们的服务。如需开立XTransfer账户，必须根据我们的要求提供您的年龄证明。

您必须在XTransfer保持良好信誉，才能使用XTransfer的服务。

您必须确保记录在您XTransfer账户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。

我们可以通过您注册的电子邮件或其他方式与您联系，告知您与XTransfer账户相关的信息或通知。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。

我们已经采用了商业上合理的管理和技术程序和手段，以保护您的个人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个人信息用于不正当的目的。

您使用的额外XTransfer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账户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账户或者看到您登录XTransfer账户。

如果您怀疑自己的XTransfer账户、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账户的交易记录。如果发生任何未授权、错误或不正确的交易，或怀疑您的XTransfer账户被盗用时，请立即联系 service@xtransfer.cn。任何不当的延迟通知不仅会影响您XTransfer账户的安全性，您还需要对财务损失负责。

XTransfer提供‘支付托收’服务，即XTransfer将代表您从付款人那里接收资金。您XTransfer账户中的所收到的资金应当结算至您的用户银行账户。

XTransfer服务可能包括以下部分或全部服务，这些服务可能会不时发生变化：

您需要一个XTransfer账户以使用我们的服务。当您注册账户时，即表示同意向我们提供完整准确的信息。XTransfer服务旨在进行商业活动的付款，并非用于个人用途。您不得向第三方转让或转移您使用XTransfer的权利，或者向任何第三方授予您使用XTransfer服务相关的合法或公平权益。

XTransfer不作为代表您的受托人、托管人或托管持有者。XTransfer对您企业的任何产品或任何其他部分均不承担责任。您对您的产品、客户承担专属责任，并且应当保护XTransfer免受他们针对XTransfer提出的任何索赔。

XTransfer账户不是银行账户。您的XTransfer账户中的资金不会产生利息。接受这些条款和条件即表示您承认XTransfer被授权保留XTransfer账户中持有的任何资金总额产生的任何利息。

您全权负责向所有适用的政府税务机关报告所有适用于您收到的所有资金的任何适用税款。

我们保留随时终止您XTransfer账户或服务的权利。您也可以随时取消您的XTransfer服务，但需提前30天通知到XTransfer。严禁使用XTransfer服务进行任何非法目的的活动，包括但不限于欺诈和洗钱。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。

资金是您的财产。除了注册用户以外，任何人或实体均没有与资金相关的任何权利。

XTransfer已经采用了商业上合理的管理和技术程序或手段，以保护和保障您的资金安全。

根据不同司法管辖地的法律和法规，适用法律可以要求XTransfer对客户的资金采取保障措施，例如将您的资金存入一个独立账户。

XTransfer服务使您可以从您的买方那里接收资金。在申请XTransfer证书后，您可获得通过XTransfer服务接收资金的必需信息。您可以向您的客户提供XTransfer证书的相关信息，以此通过XTransfer服务接收您的客户的付款。

请注意，XTransfer依赖包括银行在内的服务提供商向您提供服务。您同意避免与任何涉及支持XTransfer服务的银行进行任何直接联系。如果您关于XTransfer服务与银行或其他提供商进行任何直接联系，我们会立即终止为您提供XTransfer服务。

XTransfer服务将按照您在XTransfer账户中设置的货币接收资金。我们保留在任何时间拒绝部分或全部款项入账的权利。拒绝款项入账的原因包括但不限于违背相关法规或XTransfer合规政策。如拒绝付款，XTransfer无任何义务披露拒绝的原因。

付入款项到达XTransfer的时间不受XTransfer的控制。XTransfer应尽最大商业努力，通知您付入款项已到达您的XTransfer账户。XTransfer不保证这些信息的准确性、完整性或及时性。

在您提交结算资金至您的用户银行账户的申请之前，您必须向XTransfer提供交易合同或形式发票的副本对所收资金进行申领。

为了将您的资金结算到您的用户银行账户，您必须登录您的XTransfer账户并提交资金结算的申请。在从您的XTransfer账户向您的用户银行账户进行结算之前，我们需要您提供用户银行账户的详细信息。我们有能力确保您始终在开户金融机构拥有良好信誉。

为了获得资金，您必须拥有一个XTransfer预先批准的用户银行账户。您不得请求向未经预先批准的任何银行账户进行结算。

XTransfer服务不支持个人与个人转账或第三方转账功能，您只能在您的用户银行账户接收资金。

您XTransfer账户中收到的资金应结算至您的用户银行账户。在某些条件下，XTransfer可能会允许资金被结算至您的相关或代理银行账户上。XTransfer有权接受或拒绝将资金支付到某些结算账户上。XTransfer保留从您进行结算的资金中扣除您欠XTransfer款项的权利，包括但不限于本协议项下的所有应付费用。

根据可用性，资金可以不同币种进行结算。如果您希望以不同货币结算，可以在资金结算到您的用户银行账户之前选择可用的币种。在结算后，不能使用XTransfer进行外汇兑换。

如XTransfer或其服务提供者之一确定结算违反适用法律或使XTransfer或我们的服务提供商处于过高的安全、财务或信誉风险中，我们将会暂时扣留您的资金。根据适用法律的要求，相关资金也可能会被没收。

您必须确保您的用户银行账户信息是正确和准确的。如果由于您提供了错误的银行账户信息导致我们将资金发送到了错误的银行账户，我们对此将不承担责任。如果XTransfer收到了不准确的付款信息并导致付款之后被拒收，XTransfer会向您收取相关费用，我们可以从您的资金中扣除该费用。如果进行了任何错误或误导付款，我们将采取合理措施帮助您进行追踪，并且在合理可行的情况下追回这些付款，但我们不对无法追回的任何付款承担责任。

为了完成结算，XTransfer会依赖第三方银行或与我们签有支付协议的同业或本地支付提供商，这些机构在各自的司法管辖区内受到监管并且遵守当地法律。

结算时间不受XTransfer的控制，可能需要二到十五（2-15）个营业日。XTransfer对结算所需时间不提供任何保证。

我们会执行验证检查，且这些检查可能会延长您结算的处理时间。由于执行这些检查，我们将无法对任何延误负责。

XTransfer将按照您选择的金额并减去任何适用费用后向您的用户银行账户发起结算。您的银行收取的任何费用将不属于XTransfer的责任。除非结算错误/未完成，否则结算到您用户银行账户上的资金将不会退回至XTransfer。

我们将尽力确保在您需要时向您提供服务。但我们不能保证我们的服务始终可用或无中断。我们会暂停、撤销、中止或更改我们的所有或部分服务，恕不提前通知。您有责任对访问我们的服务进行所有必要的安排。

按现状”提供XTransfer服务。XTransfer及其服务提供商在此放弃任何形式的明示或暗示保证，包括但不限于关于适销性、适用于特定目的和非侵权的保证。XTransfer或其服务提供商均未保证我们的服务不会出现错误，或者访问将是连续或无中断的。您已了解，且在您自行决定并承担风险的情况下使用我们的服务或获得相关内容。

您可以在任何时候提前30天通过注册电子邮件联系service@xtransfer.cn，通知我们您将终止使用XTransfer账户的服务。

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。

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：

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。

如果您对我们或我们的服务有任何投诉，可以发送电子邮件至service@xtransfer.cn与我们联系。

我们将尽最大努力及时处理您提交到service@xtransfer.cn的投诉。

如果发生争议并导致法律诉讼，所有法律诉讼将被提交至香港法院。

We require that you provide XTransfer with all information required to open an XTransfer Account before we provide you with XTransfer Credentials.

You acknowledge that we are required by law to carry out all necessary security and customer due diligence checks on you in order 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 opening 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 and/or CEO (or equivalent) of the business registering for an Xtranfer Account. You agree to keep such information up-to-date in your XTransfer Account. You have to advise XTransfer any change in the ownership or management of the firm by logon to your XTransfer Account to update the profile. We may make, directly or through any third party, any inquiries we consider necessary to validate information that you provide to us, including checking commercial databases or credit reports, using confidential means.

For legal reasons, all information you provide during the signup process or any time thereafter must be complete, accurate and truthful. You must update this information whenever it changes. You can logon your XTransfer Account to update your own profile and/or information. We may refuse to provide, or discontinue, the Services to any person or entity at any time for a reason.

You may only open one XTransfer Account unless we explicitly approve the opening 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 these Terms and Conditions, our Privacy and Security Policy and other XTransfer policies that may be included in the registration process. If you register for the XTransfer Services on behalf of a business or commercial entity, you must be legally authorized by the entity with related documents provided to XTransfer and/or under applicable law to agree to these terms and conditions. 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, in our sole discretion.

You will be able to see information regarding your Inbound Payments, fees, promotions and settlement transactions in your XTransfer Account. We advise our customers to check this information regularly and report any discrepancies or clarify any questions you have as soon as possible by contacting XTransfer customer support.

As the authorized individual, you confirm that you have authority to bind any business or corporation on whose behalf you use our Website or Services, and that business or corporation accepts these terms. We’ll require you to provide corresponding evidence, i.e. authorization letter.

you must be 18 years or older to use our Services, and by opening an XTransfer Account you have to provide the evidence of your age at our request.

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

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 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.

We have implemented commercially reasonable administrative and technical procedures to protect your personal information from accidental loss and from unauthorized access, use or disclosure. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use such personal 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 result in you being responsible for financial losses.

XTransfer provides ‘payment collection’ service to receive the funds from payer on behalf of you.

Funds receiver in your XTransfer Account shall be settled to your User Bank Account.

The XTransfer Services may include some or all of the following services, which may change from time to time:

Use of our Services requires an XTransfer Account. You agree to provide us with complete and accurate information when you register for an account. The XTransfer Services are intended to enable payments for commercial activities and are not intended for personal use. You may not assign or transfer your right to utilize the XTransfer Services to a third party or otherwise grant any third party a legal or equitable interest in connection with your use of the XTransfer Services.

XTransfer does not act as a fiduciary, trustee or escrow holder on your behalf. XTransfer assumes no liability to or in respect of any Product or any other part of your business. You assume exclusive responsibility for your product, clients, and shall indemnify and hold XTransfer harmless from any claim by any of them against XTransfer.

The XTransfer Account is not a bank account. Funds held in your XTransfer Account shall not bear interest. By accepting these Terms and Conditions you acknowledge that XTransfer is authorized to retain any interest that arises with respect to the sum of any Funds held in XTransfer Account.

You are solely responsible for reporting to all applicable government tax authorities all Funds received of any applicable taxes that apply to such Funds.

We reserve the right to terminate your XTransfer Account or Service at any time and you may cancel your XTransfer Service at any time by giving us 30 days’ notice. It is strictly forbidden to use the XTransfer Service for any illegal purposes including, but not limited to, fraud and money laundering. You are prohibited from using the XTransfer Service in any attempt to abuse, exploit, or circumvent any law or regulation.

Funds are your property. No person or entity other than such registered user has any rights in relation to Funds.

XTransfer has implemented commercially reasonable administrative and technical measures to protect and safeguard the fund. According to laws and regulations in different jurisdictions, XTransfer could be required by applicable law to apply safeguarding measures on customer funds by putting your funds in a segregated account.

XTransfer Service enables you to receive Funds from your buyers. Upon applying for XTransfer Service Credentials, you will be provided with the information you need to receive funds through XTransfer Services. You will provide your XTransfer Credentials to your clients from whom you wish to receive payments through the XTransfer Service.

Please note XTransfer relies on service providers including banks to carry out the services we provide to you. You agree to avoid any direct communication with any bank that is involved supporting the XTransfer Service. Any direct contact with a bank or other provider regarding the XTransfer Service may result in immediate termination of your use of the XTransfer Service.

XTransfer Service will only accept funds received in the currencies you set up in your XTransfer Account. We reserve the right to reject partial or full payments at any time. Payments may be rejected for any reason, including but not limited to reasons relating to compliance with related regulations or XTransfer’s compliance policies. When rejecting a payment, XTransfer will be under no obligation to disclose the reason for the rejection.

The time it takes for Inbound Payments to reach XTransfer is not in XTransfer's control. XTransfer shall use commercially reasonable efforts to inform you of inbound payments of Funds into your XTransfer Account. XTransfer offers no guarantee that such information will be accurate, complete or timely.

You must provide XTransfer with a copy of the trade contract or proforma invoice to claim the funds, before you can request a settlement of the funds to your User Bank Account.

In order to complete settlement of your Funds to your User Bank Account, you must logon to your XTransfer Account and request a fund settlement. Before executing a settlement from your XTransfer Account to your User Bank Account, we require you to provide the bank account details. We hold the ability to ensure you are in good standing with the account-holding financial institution from time to time.

In order to receive funds, you must have a User Bank Account that has been pre-approved by XTransfer. You must not request settlement to any Bank Account that is not pre-approved.

The XTransfer Service has no peer-to-peer or third party transmission functionality and you may receive Funds in only one place, your User Bank Account.

Funds received in your XTransfer Account shall be settled to your User Bank Account. Under certain conditions, XTransfer may allow funds to be settled to your associated or agency bank account. XTransfer has the right to accept or reject funds paying to certain settlement accounts. XTransfer reserves the right to offset from any settlement to you any funds owed to XTransfer by you, including, but not limited to, all fees payable under this agreement.

Funds can be settled in different currencies, subject to availability. If you wish to settle in different currencies, you must select the currency before the fund to be settled into your User Bank Account. XTransfer cannot be used for FX exchange after the settlement.

Funds may be temporarily withheld in the event when XTransfer or one of its Service Providers determines that settlement would violate applicable laws or place XTransfer or our Service Providers in excessive security, financial, or reputational risk. Funds may be forfeited as per the requirements of applicable laws.

You must ensure that your User Bank Account information is correct and accurate. We cannot be held responsible for Funds being sent to the wrong bank account as a result of you providing incorrect payment details. In the event when XTransfer receives inaccurate payment information which is later rejected, you may be charged fees which we can deduct from your fund. In case of any incorrect or misdirected payment, we shall take reasonable measures to assist you with tracing and, if reasonably possible, recovering such payments, but we shall not be liable for any payments that cannot be recovered.

XTransfer may rely on third party banking counterparts or on local payment providers with whom we have payment arrangements and who are regulated in respective jurisdictions and comply with the local laws in order to complete settlement.

The time it takes for settlement is not in XTransfer's control and it could take two to fifteen (2-15) business days. XTransfer offers no guarantee on the time settlement takes.

We carry out verification checks, and these checks may increase the time it takes to process your payment order. We cannot be responsible for any delays as a result of carrying out those checks.

XTransfer will initiate a settlement to your User Bank Account in the amount you selected, less any applicable fees. Any fees charged by your bank are not the responsibility of XTransfer. The funds settled to your User Bank Account will not be returned to XTransfer unless the settlement was in error/ not completed.

We will try to make sure our Services are available to you when you need them. However, we do not guarantee that our Services will always be available or be uninterrupted. We may suspend, withdraw, discontinue or change all or any part of our Service without prior notice. You are responsible for making all arrangements necessary for you to have access to our Services.

The XTransfer Services are provided “as is.” XTransfer and its Service Providers hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither XTransfer nor its Service Providers, makes any warranty that our Services will be error free or that access thereto will be continuous or uninterrupted. You understand that you use our Services, or otherwise obtain content, at your own discretion and risk.

You may terminate your XTransfer Account with us at any time by giving us a 30 days’ notice period via the registered email contacting service@xtransfer.cn .

All provisions of this Agreement which by their nature should survive termination including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

We reserve the right to terminate your XTransfter Account or any service associated with it.

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

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

If you have any complaints about us or our Services, you may contact us by sending emails to service@xtransfer.cn

We will do our best to address complaints submitted to service@xtransfer.cn in a timely manner.

In the occurrence that a dispute leads to legal action, all legal action will be brought to the courts of Hong Kong.