Special Note:

This agreement is signed by the website name and you, and has the legal effect of the contract.

Please be sure to carefully read and fully understand the contents of each clause, especially the clauses of exemption or limitation of liability, dispute resolution and applicable laws. The terms of exemption or limitation of liability may be displayed in bold font, and you should read them emphatically. Unless you have read and accepted all the terms of this agreement, you have no right to use this service. Your use of this service is deemed to have read and agreed to be bound by this agreement. If you have any questions about this agreement, you should consult customer service.

1. Definition

Unless otherwise specified, the following terms are defined in this Agreement:

1.1 User ID: refers to the account you use to log in and operate the user platform. After you successfully apply for a user ID, the website name will send an email to your contact email address specified in this agreement, informing you of your user platform login account and initial account number. Password, you can modify the initial password in the user platform, and you can also set the corresponding user key for the login account in the user platform as needed to query and operate the website name user number.

1.2 User key: refers to the account password you use to log in and operate the user platform. After you successfully apply for a user number, the website name will send an email to your contact email address specified in this agreement to inform you of your user platform login account You can modify the initial password in the user platform, and you can also set the corresponding user key for the login account in the user platform as needed to query and operate the website name user number.

1.3 Settlement: After the user purchases your goods or services, the website will record the transaction funds to your website user number within a certain period of time, and withdraw the cash to your bank account according to the agreement and your settings.

1.4 Cash withdrawal: According to your instruction or agreement, the website name sends a transfer instruction to the reserve deposit bank within a certain period of time, requesting the reserve deposit bank to transfer the corresponding funds to the legal collection account designated by you.

2. Service content

2.1 Scenarios and functions of this service. The website name provides you with currency fund transfer services. When users purchase your goods or services, they can complete the transaction through this service. The specific application of this service includes WAP payment, H5 payment, etc.

2.2 Service Limitations. This service can only be used for the goods or services you have declared and approved on the user platform, and each order cannot exceed the limit stipulated by the website name. You understand and agree that the website name has the right to adjust your transaction limit according to the type of goods or services you operate and the risk profile of your business activities.

3. The rights and obligations of the website name

3.1 Payment system construction. The website name is responsible for the construction, operation and management of the payment system, and ensures the security of the system.

3.2 Transaction inquiries. The website name has set up an online transaction query system and query interface to provide you with user information management and transaction information query services.

3.3 Verification of payment instructions. The website verifies the authenticity and validity of your payment instructions based on your user platform login account and login password. When your user platform login account number and login password pass the verification, it is deemed that you operate the website name user account yourself, and the website name can execute payment instructions without verifying other information.

3.4 Handling of transaction disputes. The website name only provides you with money transfer services, and you are responsible for handling disputes between you and users or other entities, which have nothing to do with the website name, except for fund transfer service disputes caused by website name system failures.

3.5 User operation review. The website name has the right to regularly or irregularly review your business type, as well as the items and services sold through this service. If you violate the provisions of Article 2.2 of this agreement or engage in business activities that do not comply with relevant national laws and regulations, the website name has right to suspend or terminate the provision of services.

3.6 Transaction stagnation. If you have no transaction records within 6 months from the date of account opening, or have not used this service to generate transaction amount for 180 consecutive natural days, the website name has the right to suspend the service and ask you to re-verify your identity. If you do not cooperate or the identity verification fails If passed, the website name has the right to terminate this agreement without any legal responsibility. If there is no transaction on your acceptance terminal or payment code for 3 consecutive months, the website name has the right to suspend the service and ask you to re-verify your identity. If you do not cooperate or the identity verification fails, the website name has the right to stop providing you with Collection service. If there is no transaction on your acceptance terminal or collection code for 12 consecutive months, the website name has the right to stop providing you with payment collection services.

3.7 Delayed Settlement. When the website name finds that you may have money laundering, terrorist financing, fraudulent transactions, credit card cashing out, malicious bankruptcy or other violations of laws and regulations, or the website name finds that you have transactions with suspicious transaction characteristics such as centralized transfers, decentralized transfers, or disputed transactions, the website The name can delay the settlement of the corresponding funds in your website name user number, and the website name can delay the transfer to your designated bank account and payment account if it has already been settled. For funds with delayed settlement and delayed transfer, the website name will not resume the settlement and transfer of this part of the funds until the suspicion of violation of laws and regulations is eliminated. If your actions cause loss to the website name, you shall also be liable for compensation.

3.8 Authentication and Authorization. When you use this service, you agree that the website name collects, records and uses relevant information and data generated during your use of this service, including but not limited to the identity information, account information and transactions of you and your legal representative and responsible person Information, etc., and submit the aforementioned information to state agencies, financial institutions, and other enterprises and institutions for identity verification and authentication. The website name has the right to collect, save, and verify the audio and video materials of your legal representative and person in charge as needed. In order to provide better services, the website name and its affiliated companies have the right to collect, record, and use the above information and data within the scope permitted by law.

3.9 The website name has the right to carry out risk management on your business, continuously monitor and analyze the transaction amount, number, type, time, frequency, payee, payer and other characteristics, and improve the suspicious transaction monitoring model. If the website finds that the transaction amount, time, and frequency do not match the special user's business scope and scale, etc., it has the right to take measures against you such as delaying fund settlement, setting a collection limit, suspending bank card transactions, and suspending use authority.

4. Your rights and obligations

4.1 Account opening and identity verification. When you apply to open a website user account, you should truthfully provide relevant personal information to the website. You should guarantee the accuracy, authenticity and completeness of the above-mentioned materials submitted. If your above information changes, or you relocate, close business, change domain name or contact number and other information, you should notify the website name in advance, otherwise, the website name has the right to suspend the service depending on the specific situation, and all complaints and disputes caused by your failure to notify in time , are borne by you. The website name has the right to ask you to supplement relevant information and materials in accordance with national laws and regulations, rules and regulations, industry norms, and policy requirements. If you fail to submit or pass the website name verification within the time limit, the website name has the right to terminate this agreement or suspend it. All or part of the function of your website name user account.

4.2 Account usage. You may not use the website name user number, technical interfaces, security protocols and certificates provided by the website name for purposes beyond the scope of this agreement, nor rent or transfer them to third parties. You may not pass off other users' transactions as your own transactions and settlement with the website name. You should fully understand and clearly understand the relevant legal responsibilities and disciplinary measures for renting, lending, selling, and purchasing accounts, and promise to open and use your accounts in accordance with laws and regulations.

4.3 It is forbidden to store sensitive information of users. You must not store sensitive information such as user bank account passwords, magnetic track information or chip information of bank cards, bank card verification codes and expiration dates, and must not disclose user credit card information and debit card information.

4.4 Account custody and loss reporting. You should properly keep the website name user number and its password, as well as SMS verification code, API Key, etc. All actions under the user account of the website name are deemed as your actions. If you need to report the loss of the user account of the website name, you should contact the customer service personnel in time and follow the instructions of the customer service personnel. If the customer service personnel require you to provide written proof materials in order to report the loss in the next step, you should submit the written proof materials in time. If you find that the user account of the website has been stolen, you should report the loss to the website immediately. If the website name and user account are stolen due to your poor management, all losses shall be borne by you.

4.5 Stop Payment and Cancellation. Due to the real-time and unchangeable nature of the website name system, any payment instructions you initiate to the website name are irrevocable or changeable after the website name is executed. Once the payment instruction is executed by the website name, you may not request to stop payment, change or cancel it.

4.6 Regulated use. Without the written authorization of the website name, you may not reproduce, copy, intercept, tamper with the trademark, logo, Logo and other content of the website name or make derivative products related to the content. Without the separate written authorization of the website name, except for the domain name registered in the user center, you may not display links, pop-up windows or content related to H5 payment and its derivatives related to the website name on any webpage or APP page.

4.7 User system security and maintenance. You should be responsible for the construction of your own hardware platform and bear the related equipment costs and communication costs. You should build and operate your own computer system in strict accordance with the service and user platform access technical specifications and ensure the security of your own system. You should verify the authenticity of the signature in the website name request and response data packets during the website name transaction process, and ensure the security and confidentiality of the payment information data transmission process. You should clarify to the website name the specific requirements of all parties for data transmission protocols, security mechanisms, hardware requirements, physical connections and many other technical details, and properly handle various transaction exceptions reported by the website name.

4.8 Real trading background. The service transactions you undertake to initiate are based on real transactions, and you must not use the services to engage in false transactions.

4.9 Save order information. You should guarantee the legitimacy, authenticity, accuracy and completeness of the order information. When accepting user orders, you must record the following information, including but not limited to: user name, mobile phone number, product name, product number, product unit price, total requested price, and delivery information. You should provide the website name with detailed, authentic and credible transaction fields as required by the website name, including but not limited to order number, product name, product description, etc. You should also properly keep relevant transaction data and documents, including but not limited to orders and relevant documents signed by the user when accepting the goods, for at least three years from the date of transaction or the date of termination of this agreement. Within the validity period of the agreement and within three years from the date of termination of the agreement, you should submit the relevant documents by letter or fax within two working days after receiving the notification of the website name. Delivery to site name.

4.10 Third-party online trading platform. If you operate a third-party online trading platform, you must not use this service to engage in illegal payment and settlement business, and you should be equipped with corresponding systems, personnel and perfect systems. You should identify the identity information and business qualifications of the secondary users, and collect and save the business licenses, tax registration certificates, organization code certificates, legal representative identity certificates, etc. of the secondary users. If you are controlling or need to obtain a national pre-administrative license for business activities, you should also provide the relevant qualification certificate. You should guarantee the accuracy, authenticity and completeness of the above-mentioned materials submitted by the secondary users. At the same time, you should also collect, save and transmit the transaction order information of secondary users to the website name, including but not limited to: user name, mobile phone number, product name, product number, product unit price, total requested price, delivery information . You should also properly keep the secondary user's transaction data and vouchers, including but not limited to orders and relevant documents signed by the user when accepting the goods, for at least five years from the date of the transaction or the date of termination of this agreement. Within five years from the validity period of the agreement and the date of termination of the agreement, you should reply to the relevant documents by letter or fax within two working days after receiving the website name notification and order request. Give the site a name. For the risky transaction proposed by the website name, you should effectively identify and trace the transactions of its secondary users according to the requirements of the website name, and implement measures to suspend business management when necessary, and at the same time bear all the risks caused by the development and poor management of secondary users Loss, you should ensure that the second-level users will not develop the next-level users.

A third-party online trading platform refers to an information network system that provides web space, virtual business premises, transaction rules, transaction matching, information release and other services for two or more parties to conduct transactions independently in online commodity trading activities. .

Secondary users refer to natural persons or enterprises that sell goods or services on the third-party online trading platform you operate.

4.11 Risk prevention of the third-party online trading platform. If you operate a third-party online trading platform, you need to monitor and manage the authenticity and legitimacy of the transaction behavior of secondary users, and you should prevent secondary users from using the website name to engage in credit card cashing, money laundering, false transactions and other violations of laws and regulations Activity. If secondary users use the website name to engage in illegal activities such as credit card cashing, money laundering, and false transactions, the website name has the right to terminate this agreement and hold you accountable for breach of contract.

4.12 Anti-cash and anti-money laundering. You are not allowed to take the initiative or assist cardholders to carry out illegal operations such as credit card cashing, money laundering, transaction splitting, etc., and you are not allowed to engage in serious risk behaviors such as false applications and malicious bankruptcy. Report your information to the People's Bank of China, the Ministry of Public Security and relevant regulatory agencies.

4.13 Physical and Virtual. When you need to use this service to operate physical and virtual goods or services at the same time, you should apply for a website name user number for the physical and virtual goods or services separately, and you cannot use the same website name user number to simultaneously operate physical and virtual goods goods or services. Otherwise, the website name has the right to terminate this agreement and pursue your breach of contract.

Physical goods refer to physical goods that require logistics delivery or goods or services that require recording and verification of consumer identity information; virtual goods refer to non-physical goods or services that do not record the identity information of buyers and do not require logistics delivery.

4.14 Safety Rules. You are not allowed to reverse engineer the computer system and program of the website name, and you are not allowed to crack the aforementioned system and program (including but not limited to source program, target program, software documentation, data running in local computer memory, client to server-side data, server data, etc.) to copy, modify, compile, integrate and tamper, and shall not modify or increase the original functions of the software system of any service provided by the website name.

4.15 You should earnestly protect the legitimate rights and interests of consumers and not take discriminatory measures against consumers who use different payment methods.

4.16 Other obligations you should abide by:

(1) The purchase form, purchase settlement statement, business acceptance signboard, and terminal equipment shall not be used for purposes other than the scope of approval of the website name, nor shall they be used by third parties beyond the scope of the agreement;

(2) Do not entrust or transfer the website name interface to a third party;

(3) Personnel without original ID cards shall not be recruited as cashiers, and untrained cashiers shall not be allowed to operate the acceptance terminal;

(4) For gold jewelry stores, jewelry stores, brand-name watch stores, gold and silver coin specialty stores, etc., you must install video monitoring facilities to clearly record the payment process, and keep the video data for no less than 3 months;

(5) For website name transactions with a single transaction amount exceeding (including) RMB 50,000, check the original ID card of the user;

(6) According to the agreement, the website name shall be accepted in a standardized manner, and the website name shall not be rejected during the validity period of the agreement;

(7) It is not allowed to initiate transactions on behalf of other users, and it is not allowed to resell or lease the acceptance terminal (network payment interface) and bank settlement account;

(8) Do not require other user agents to initiate transactions, and do not use resold or leased acceptance terminals (network payment interfaces) and bank settlement accounts;

(9) Properly keep transaction data and information, ensure that only authorized personnel have access, and establish a sound internal settlement management system;

(10) No surcharges or additional fees shall be imposed on consumers, or services below the level of cash payment shall be provided;

4.17 Protect the legitimate rights and interests of consumers. You should earnestly safeguard the legitimate rights and interests of users, ensure that users who use various payment methods enjoy consistent and fair treatment, do not transfer or pass on the service fees charged by the website name to users who use specific payment methods, and do not unreasonably refuse users to use the opened account. payment method.

V. Service Fees and Transaction Settlement

5.1 Website name handling fee (tax included)

5.1.1 When you use this service, you should pay the website name handling fee (hereinafter referred to as "payment handling fee") to the website name.

5.1.2 The website name will deduct a certain rate of payment handling fee from each of your transaction payments. The payment handling fee rate is subject to the approval record of the user platform; during the cooperation process, you may meet the relevant preferential conditions And within a certain period of time to enjoy the preferential rate given by the website name, when you no longer meet the preferential conditions or the preferential period expires, the website name has the right to restore the rate to the original rate, which is subject to the approval record of the user platform .

5.1.3 In case of national policy adjustments, or policy adjustments by the People's Bank of China and cooperative institutions, the website name has the right to adjust the payment fee rate accordingly and notify you, and you shall within five working days after receiving the website name notification If there is no written objection to the adjusted payment fee rate, the adjusted rate will be implemented. If the two parties cannot reach an agreement on the rate change, this agreement may be terminated.

5.2 Error

All parties confirm and agree that if there is a slight error in the settlement of the rates involved due to two digits after the decimal point, all parties will recognize it.

5.3 Transaction Settlement

5.3.1 After deducting the payment service fee, the website will account the remaining transaction amount to your website user number.

5.3.2 Your cash withdrawal account is the bank account with the same name you submitted when you applied for this service or other institutional bank accounts that have a legal fund management relationship. If the transaction funds cannot be withdrawn to the bank account you submitted on time due to your or the bank’s reasons , the website name does not assume any responsibility.

5.3.3 If you need to change the withdrawal account or authorize settlement, you should sign a supplementary agreement with the website name or modify it by yourself on the user platform. You will be responsible for any additional costs or any losses caused by your change of account or designated payee but failure to notify the website name in time.

5.3.4 For transactions that occur on T day, if you do not make any special settings or operations, the website name will withdraw the transaction money after deducting the payment fee to your bank account according to the time limit of the user platform approval record, and the time when the money arrives depends on In the clearing cycle of the banking system (if you are a financial institution or other institution engaged in financial business, the website name has the right to regularly clear the balance of your website name user number according to the time announced by the website name user platform, and will correspond to The funds are withdrawn to your bank account. You should recharge in time after the user number is cleared, so as not to affect the settlement of funds such as handling fees and refunds).

5.3.5 You can apply to change the withdrawal rules according to the customer service instructions of the user platform and website name, and the final approval record of the user platform shall prevail.

5.3.6 If you have accessed this service for less than 90 days or have continued normal transactions for less than 30 days after accessing this service, the website name does not provide T+0 fund withdrawal service, and the website name will account for your T-day transaction funds to If you do not have a website name user number, you are not allowed to transfer the transaction funds on T day. No matter when you access the service, the website name has the right to adjust the withdrawal cycle according to your operating conditions, business changes and actual compensation, and notify you by email.

5.3.7 If the reconciliation data between you and the website name is inconsistent, the website name data shall prevail.

5.3.8 If you require the website name to issue an invoice, you should submit accurate and complete invoice information in accordance with the requirements of the website name before the first invoice, and the website name will issue you an invoice for the value-added tax service fee of the previous month for the website name service fee every month. If you request to issue a special value-added tax invoice, you should submit relevant qualification materials to the website name.

6. Margin

6.1 The website has the right to require you to pay a risk deposit, and the amount of the deposit is subject to the approval record of the user platform. During the validity period of this agreement, the risk margin funds are frozen in your margin account, and you may not unfreeze, withdraw or use them in advance.

6.2 The website name has the right to adjust the amount of security deposit you should pay according to your business conditions, business changes and actual compensation situation, and notify you to make up the security deposit amount by email notification. If you fail to pay within five days after receiving the notification If you make up the deposit within working days, the website name has the right to suspend the service for you. If you fail to make up the deposit within 30 days after receiving the above notice, the website name can unilaterally terminate this contract without any legal liability.

6.3 If you have not violated the contract during the use of the public account and this service, and you have voluntarily canceled the service for one year and have not received any third-party complaints or transaction disputes, you should unfreeze the risk deposit in the deposit account, and you can withdraw it independently The principal of the security deposit, before this, you have no right to use the principal of the security deposit, and it will be returned to you without interest after the security deposit is unfrozen.

6.4 If you violate national laws, regulations, policies, ordinances, or you violate your commitment to users or violate the agreement with the website name, causing damage to the user or website name, the website name has the right to directly use the deposit you paid to protect the user or website name. For compensation, if the security deposit is not enough for compensation, the website name can be directly deducted from your pending settlement amount, and if it is still not enough for compensation, you can continue to pursue compensation from you.

7. Refund terms

For the refund situation in your transaction, handle it according to the following rules:

7.1 When you submit a refund request to the website, you should have sufficient funds in your website user account for the refund, and the website has the right to directly deduct the refund amount from your website user number to complete the refund , if you cannot refund due to insufficient funds, you will be responsible for the consequences. When the website name handles the refund according to your refund request, if the refund fails due to bank reasons or user reasons, the website name can refund the refund amount to your website name user number, and you can initiate a refund request again or Process refunds yourself.

7.2 When refunding, the website name will not charge additional transaction fees, but if the bank needs to charge the website name separately, the fee should be borne by you, and the website name can be paid by you after paying the fee deducted from the transaction amount.

7.3 You are responsible for solving and bearing the refund dispute or responsibility caused by the user's refusal to pay the transaction payment.

8. Confidentiality clause

8.1 Unless otherwise stipulated in this agreement, without the written consent of one party, neither party shall disclose the content of this agreement, user personal information, user payment information, interface technology, security protocol and certificates to a third party.

8.2 The parties are responsible for keeping the commercial secrets and technical secrets obtained in the performance of the agreement confidential. In any of the following situations, the website name has the right to disclose your relevant business information:

(1) The People's Bank of China, China Banking Regulatory Commission, China Securities Regulatory Commission and other financial industry regulatory agencies require the website name to provide your relevant business information;

(2) Public security organs, people's courts, people's procuratorates or competent administrative organs require the website name to provide your relevant business information;

(3) User complaints, requiring the website name to provide your relevant business information, and the website name is found to be able to provide it after verification.

The commercial information mentioned in this agreement includes but is not limited to the transaction order number, transaction certificate, capital flow and other transaction information between you and the user.

8.3 Each party guarantees that its employees and agents will fulfill the confidentiality obligations of this article.

8.4 The above confidentiality obligations shall be valid within five years after the termination of this Agreement.

9. Liability for breach of contract

9.1 Any breach of the obligations stipulated in this agreement by any of the parties constitutes a breach of contract.

9.2 In any of the following situations, the website has the right to unilaterally terminate this agreement and require you to bear relevant compensation liabilities:

(1) Directly or indirectly participate in fraud, or rent, lend, sell, purchase bank accounts (including bank cards) or payment accounts, or buy and sell POS machines (including MPOS), credit card readers and other acceptance terminals online, or be suspected of committing other illegal activities criminal activity;

(2) Business and financial conditions have deteriorated and cannot operate normally, or have been included in the “List of Seriously Violated and Untrustworthy Enterprises” by the National Enterprise Credit Information Publicity System, or the unit’s registered address does not exist or its business premises are fabricated;

(3) You or your legal representative and person in charge are blacklisted by the China Payment and Clearing Association, bank card clearing institutions, other state agencies, enterprises and institutions, or have records of punishment by state agencies or industry associations;

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