Terms applicable to ZR Pay services
本服務條款（以下簡稱「本條款」）請您在使用本文所述服務前仔細閱讀。本條款規範您（以下稱「使用者」、「您」）使用各項服務之行為，包含使用 ZR Pay 服務、相關技術與平台；該平台由 ZR Pay 或依服務內容與屬性所屬關係企業營運維護（以下合稱「ZR Pay」、「我方」、「我們」）。
1.1 只要您瀏覽網站並使用服務，卓銳信貸服務有限公司（ZR Pay 平台之營運主體）與您之間即成立具法律拘束力之合約。您完成註冊程序，即代表已完整閱讀並同意接受本條款全部內容。
1.2 您同意 ZR Pay 得不定期更新本條款。若您不認可更新後之條款內容，應立即停止使用所有服務。條款更新生效日後您持續使用服務，視為您已同意新版條款。
1.3 網站所載資訊不構成投資建議、商品或服務之要約或邀約；亦不得於法令禁止該類宣傳、或依法不得從事該類交易之地區，向當地民眾推銷相關產品。若您自行造訪本網站，一切風險由您自行承擔，並負責遵守您所在地區所有適用法令規章。
1.4 您使用服務即同意我方透過電子方式傳送合約、通知、資訊揭露文件及其他訊息，包含電子郵件、網站公告。您有義務維持帳戶綁定之電子信箱有效且可正常收信。
2.1 卓銳信貸服務有限公司（營運 ZR Pay 平台，簡稱 ZR Pay；註冊地址：香港尖沙咀 Mira Place A 座 23 樓 01 室）係於香港營運、並受香港《打擊洗錢及恐怖分子資金籌集條例》（香港法例第 615 章）規管之服務提供者。ZR Pay 提供下列受監理之金融服務（合稱「本服務」）：（一）匯款與國際資金轉移服務；（二）虛擬資產兌換及轉帳服務；（三）預付卡、支付卡發行與相關配套服務；（四）支付服務商業務。
2.2 若要完整使用本服務所有功能，您必須完成註冊並建立帳戶。帳戶指透過註冊流程開立、可操作各項服務之使用者專屬帳號。每位使用者僅能持有一組帳戶，禁止重複開設多個帳號。開立帳戶時，您承諾遵守以下規範：
我方針對部分服務收取費用，包含匯款、虛擬資產兌換、預付卡 / 支付卡交易。相關收費標準會在交易完成前提示，亦同步公布於網站及收費價目表。依據第 1.2 條規定，我方得不定期調整收費標準。
3.1 身為受香港《打擊洗錢及恐怖分子資金籌集條例》規管之服務提供者，我方依法必須建立完整反洗錢、反恐怖融資（AML/CTF）遵循機制。您使用本服務，即同意我方依香港《打擊洗錢及恐怖分子資金籌集條例》及其附屬法例蒐集、處理您的個人資訊，用途包含身分驗證、交易監控、法定監理申報。
完成身分驗證為使用本服務之前提條件，您必須提交真實完整之身分證明文件，依適用規則完成驗證程序。我方會先完成身分審核，才提供服務；若您無法提交所需文件，我方有權拒絕或暫停您使用服務之權限。
針對洗錢、恐怖融資風險較高之客戶，我方將執行強化盡職調查，包含要求您提供資金來源聲明、財富來源證明、額外身分文件等。您同意完整配合我方所有調查要求。
若您現在或未來成為政治敏感人物、國際組織高層，或是該類人士之親友、密切往來者，開戶時及後續身分狀態異動時，均須主動向我方如實告知。我方將對您執行強化盡職調查，且需經高階主管核准，才會提供或持續提供服務。
若您代表公司、合夥企業或其他法人使用本服務，必須完整揭露持有該法人 25% 以上股權之實質受益人與全體董事，並依適用規則提交配套驗證文件。
於整段合作期間，我方將持續監控客戶帳戶與交易，偵測異常、可疑行為，並維持身分資料即時正確。我方得隨時要求您更新身分證明或補充相關資料。
若我方有合理理由懷疑某筆交易或待執行交易涉及洗錢、恐怖融資犯罪，依香港《打擊洗錢及恐怖分子資金籌集條例》必須向聯合財富情報組（JFIU）提交可疑交易報告（STR）。法律禁止我方告知您是否已針對您的帳戶、交易提交或即將提交可疑交易報告（禁止「洩密」／預先通知規範）；我方所有員工、代理商皆不得向您透露任何可疑交易調查作業。
我方依法須就達到適用門檻之大額或跨境交易，向聯合財富情報組（JFIU）及相關主管機關作出申報。前述申報為法定義務，無需事先取得您的同意。
虛擬資產轉帳、電子資金移轉金額達 8,000 港幣（含）以上時，依適用規則，我方必須蒐集、留存，並將交易發起人與收款人身分資訊傳送給對方金融機構或虛擬資產服務商。您發起或接收符合門檻之轉帳，即同意我方蒐集並轉送該類資料。
依適用規則規定，客戶身分證明文件，須自最後一筆交易或合作關係終止起至少留存 5 年；完整交易紀錄須自每筆交易日起至少留存 5 年。此法定留存義務優先於您任何刪除個人資料、交易紀錄之申請。
4.1 您使用服務前及使用期間，持續聲明、保證並同意：
4.2 您進一步聲明、保證並同意，使用服務時不會違反任何法令、合約或第三方權益，亦不從事任何侵權行為；所有操作與授權行為責任由您獨自承擔。在前述規範不影響下，您承諾絕不為下列行為：
5.1 除我方正式人員外，請勿將交易相關資訊提供給任何人，包含但不限於身分證號、交易雜湊碼、收款錢包地址、帳戶綁定信箱等。我方僅在以下情形才會向您索取帳戶、交易或個人識別資訊：
5.2 我方依隱私權政策蒐集、使用、分享個人資訊，完整政策內容可見 隱私政策。本隱私政策透過引用納入本條款，具同等效力。您使用服務，即同意依隱私政策及本章第三條規範，讓我方蒐集、使用、揭露您的個人資料。
6.1 本條所稱「第三方內容」，指由外部單位提供之內容，包含網站連結等，可能顯示於我方網站與各項服務頁面。
6.2 我方無法管控第三方服務，第三方服務商可能另行收取費用，我方不對第三方服務之功能、品質負責。您使用第三方服務之風險自負，並同意遵守該第三方服務自身之使用條款。
6.3 您使用本服務期間可能瀏覽第三方內容，我方不代表認可、背書該類內容，對於內容誤導、殘缺、錯誤、冒犯、不雅或其他不當內容，不承擔任何責任。您與第三方之間的交易、溝通僅屬雙方私事，因該往來產生之任何損失，我方不負賠償責任；您確認瀏覽第三方內容、與第三方互動之所有風險自行承擔。
7.1 我方會將所有客戶、交易、虛擬資產錢包地址，與香港及國際制裁名單交叉比對，包含依香港《聯合國制裁條例》（第 537 章）、《聯合國（反恐怖主義措施）條例》（第 575 章）及相關國際制裁機制建立之制裁清單。您聲明並保證，您並非任何制裁清單所列之個人或法人，亦不會利用本服務與該類制裁對象進行交易。
7.2 若我方確認帳戶內資產歸屬或受控於制裁清單所列個人 / 法人，依法必須凍結該筆資產、向聯合財富情報組（JFIU）作出相關申報，並依法令向香港警務處、香港海關或其他執法機關揭露相關資產。您使用本服務即知悉前述法定義務，同意我方依法無須事前通知，直接凍結、申報、揭露您的資金與資產。
8.1 我方有權依自身判斷，無須事前通知，隨時暫停、限制、鎖定或終止您的帳戶，並凍結帳戶內所有餘額，發生以下情形時得執行：
8.2 若依香港《打擊洗錢及恐怖分子資金籌集條例》禁止「洩密」規範，我方不得揭露帳戶凍結、限制、終止原因，則我方無義務向您說明該處置理由。
8.3 若您帳戶無未完成交易、無未清償義務、無積欠我方款項，可隨時透過網站或客服管道提交申請，關閉帳戶並終止本合約。帳戶關閉後剩餘資金將退還予您，但須先完成法令要求之所有反洗錢、反恐怖融資審查。
9.1 虛擬資產於香港及全球各地大多不屬法定貨幣，無任何政府或中央銀行背書。虛擬資產價格波動極大，短期內可能大幅漲跌。您使用我方虛擬資產服務，代表已充分知悉並接受下列風險：
9.2 我方並非銀行、資產管理公司、基金管理業者、證券商或投資顧問。本條款及各項服務內容均不構成投資、財務、稅務或法律諮詢。我方提供之虛擬資產服務僅依香港《打擊洗錢及恐怖分子資金籌集條例》規範，歸屬相關監理範疇。
10.1 您同意保障我方、關係企業、主管、董事、員工、代理商、合作服務商，並協助我方抵禦、免於承擔所有損失、債務、索賠、損害、成本與費用（包含合理律師費）；前述損失起因包含：
11.1 若因我方無法合理控制之事由，導致我方無法履行或延遲履行本條款義務，我方不承擔相關責任；該類事由包含天災、戰爭、動亂、恐怖攻擊、傳染病、政府監理命令、第三方金融 / 電信 / 網路基礎設施故障。發生不可抗力期間，我方於本條款下之義務暫停履行。
12.1 我方設有內部使用者申訴處理機制，服務相關申訴可提交至 ops@zrpay.hk。我方會確認收訖申訴，並於合理期限內盡力處理完畢。
12.2 除依香港《打擊洗錢及恐怖分子資金籌集條例》負有法定義務外，我方支付相關業務亦可能受香港《支付系統及儲值支付工具條例》（香港法例第 584 章）及相關規範約束（若該法令適用於我方營運項目）。待相關規定適用後，我方將完整遵守登記、客戶資金保護、事故通報等義務。
12.3 若申訴無法透過我方內部管道解決，您有權向主管機關或法定外部爭議處理單位提起申訴（若有設置）。
13.1 我方將用於執行匯款、虛擬資產兌換、預付卡 / 支付卡交易之客戶資金，與我方自身營運資金分開存放，並採取合理措施，於交易完成前妥善保管該筆資金。
13.2 客戶存放於我方之資金不屬存款，不受香港存款保障計劃（DPS）或任何存款保險制度保障。
14.1 在法令允許之最大範圍內，我方、主管、董事、員工、關係企業、代理商、合作服務商，不對任何間接、附隨、特殊、衍生性或懲罰性損害負責；包含但不限於營利損失、資料遺失、商譽損失、服務中斷、虛擬資產價值貶損、替代服務成本等，不論損失索償依據為何，只要起因於您使用或無法使用本服務。
14.2 針對本條款相關所有索償，我方對您累計總賠償責任上限，不超過引發爭議事件發生前連續三個曆月內，您實際支付給我方之手續費總額。
15.1 本條款與您使用本服務之行為，以香港特別行政區法律為準據法，不適用法律衝突規則。所有與本條款相關之爭議、主張，包含合約違反、終止、執行、解釋、效力等，均受香港法院管轄。
15.2 本條不限制我方於任何地區法院申請暫時處分或衡平救濟，亦不免除我方遵守香港法令（含《打擊洗錢及恐怖分子資金籌集條例》）所規定之執行義務與監理指示。
16.1 卓銳信貸服務有限公司依香港相關法例就其業務進行必要之登記／申領牌照。該登記或牌照不代表任何監管機構或政府認可、背書、認證我方之產品、服務或財務穩定性；登記僅代表我方成為受規管及負有法定申報義務之單位。
若有管轄權之法院或監理單位認定本條款任一條文無效或無法執行，該條文視為與本條款分離，其餘條文仍完整有效。
本條款、隱私權政策及其他明文引用納入之規章，構成您與我方就本服務之完整合約，取代所有先前口頭或書面之協議、聲明與共識。
我方未行使、延遲行使本條款任何權利，不視為放棄該權利；單次、局部行使權利，亦不排除後續完整行使該權利。
未經我方事前書面同意，您不得轉讓、移轉本條款下任何權利或義務。我方無需您同意，得全部或部分轉讓本條款，包含企業合併、收購、組織重組、資產出售等情形。
我方透過帳戶綁定信箱發送電子郵件、或於網站刊登公告，即視為完成通知。若您要向我方發送通知，需寄送至網站公開之聯絡資訊。
18.1 「帳戶」：指第 2.2 條所述透過註冊流程開立之使用者專屬帳號。
18.2 「本服務」：指第 2.1 條所列匯款、虛擬資產兌換轉帳、預付卡與支付卡服務，以及配套網站與相關技術系統。
18.3 「網站」：指我方營運、提供各項服務之官方網站、線上頁面與應用程式介面。
18.4 章節標題僅供閱讀便利，不影響本條款解釋；文中「包含」一詞皆指「包含但不限於」。
本服务条款（以下简称“本条款”）请您在使用本文所述服务前仔细阅读。本条款规范您（以下称“使用者”、“您”）使用各项服务之行为，包含使用 ZR Pay 服务、相关技术与平台；该平台由 ZR Pay 或依服务内容与属性所属关系企业营运维护（以下合称“ZR Pay”、“我方”、“我们”）。
1.1 只要您浏览网站并使用服务，卓锐信贷服务有限公司（ZR Pay 平台之营运主体）与您之间即成立具法律拘束力之合约。您完成注册程序，即代表已完整阅读并同意接受本条款全部内容。
1.2 您同意 ZR Pay 得不定期更新本条款。若您不认可更新后之条款内容，应立即停止使用所有服务。条款更新生效日后您持续使用服务，视为您已同意新版条款。
1.3 网站所载资讯不构成投资建议、商品或服务之要约或邀约；亦不得于法令禁止该类宣传、或依法不得从事该类交易之地区，向当地民众推销相关产品。若您自行造访本网站，一切风险由您自行承担，并负责遵守您所在地区所有适用法令规章。
1.4 您使用服务即同意我方透过电子方式传送合约、通知、资讯揭露文件及其他讯息，包含电子邮件、网站公告。您有义务维持帐户绑定之电子信箱有效且可正常收信。
2.1 卓锐信贷服务有限公司（营运 ZR Pay 平台，简称 ZR Pay；注册地址：香港尖沙咀 Mira Place A 座 23 楼 01 室）系于香港营运、并受香港《打击洗钱及恐怖分子资金筹集条例》（香港法例第 615 章）规管之服务提供者。ZR Pay 提供下列受监理之金融服务（合称“本服务”）：（一）汇款与国际资金转移服务；（二）虚拟资产兑换及转帐服务；（三）预付卡、支付卡发行与相关配套服务；（四）支付服务商业务。
2.2 若要完整使用本服务所有功能，您必须完成注册并建立帐户。帐户指透过注册流程开立、可操作各项服务之使用者专属帐号。每位使用者仅能持有一组帐户，禁止重复开设多个帐号。开立帐户时，您承诺遵守以下规范：
我方针对部分服务收取费用，包含汇款、虚拟资产兑换、预付卡 / 支付卡交易。相关收费标准会在交易完成前提示，亦同步公布于网站及收费价目表。依据第 1.2 条规定，我方得不定期调整收费标准。
3.1 身为受香港《打击洗钱及恐怖分子资金筹集条例》规管之服务提供者，我方依法必须建立完整反洗钱、反恐怖融资（AML/CTF）遵循机制。您使用本服务，即同意我方依香港《打击洗钱及恐怖分子资金筹集条例》及其附属法例搜集、处理您的个人资讯，用途包含身分验证、交易监控、法定监理申报。
完成身分验证为使用本服务之前提条件，您必须提交真实完整之身分证明文件，依适用规则完成验证程序。我方会先完成身分审核，才提供服务；若您无法提交所需文件，我方有权拒绝或暂停您使用服务之权限。
针对洗钱、恐怖融资风险较高之客户，我方将执行强化尽职调查，包含要求您提供资金来源声明、财富来源证明、额外身分文件等。您同意完整配合我方所有调查要求。
若您现在或未来成为政治敏感人物、国际组织高层，或是该类人士之亲友、密切往来者，开户时及后续身分状态异动时，均须主动向我方如实告知。我方将对您执行强化尽职调查，且需经高阶主管核准，才会提供或持续提供服务。
若您代表公司、合伙企业或其他法人使用本服务，必须完整揭露持有该法人 25% 以上股权之实质受益人与全体董事，并依适用规则提交配套验证文件。
于整段合作期间，我方将持续监控客户帐户与交易，侦测异常、可疑行为，并维持身分资料即时正确。我方得随时要求您更新身分证明或补充相关资料。
若我方有合理理由怀疑某笔交易或待执行交易涉及洗钱、恐怖融资犯罪，依香港《打击洗钱及恐怖分子资金筹集条例》必须向联合财富情报组（JFIU）提交可疑交易报告（STR）。法律禁止我方告知您是否已针对您的帐户、交易提交或即将提交可疑交易报告（禁止“泄密”／预先通知规范）；我方所有员工、代理商皆不得向您透露任何可疑交易调查作业。
我方依法须就达到适用门槛之大额或跨境交易，向联合财富情报组（JFIU）及相关主管机关作出申报。前述申报为法定义务，无需事先取得您的同意。
虚拟资产转帐、电子资金移转金额达 8,000 港币（含）以上时，依适用规则，我方必须搜集、留存，并将交易发起人与收款人身分资讯传送给对方金融机构或虚拟资产服务商。您发起或接收符合门槛之转帐，即同意我方搜集并转送该类资料。
依适用规则规定，客户身分证明文件，须自最后一笔交易或合作关系终止起至少留存 5 年；完整交易纪录须自每笔交易日起至少留存 5 年。此法定留存义务优先于您任何删除个人资料、交易纪录之申请。
4.1 您使用服务前及使用期间，持续声明、保证并同意：
4.2 您进一步声明、保证并同意，使用服务时不会违反任何法令、合约或第三方权益，亦不从事任何侵权行为；所有操作与授权行为责任由您独自承担。在前述规范不影响下，您承诺绝不为下列行为：
5.1 除我方正式人员外，请勿将交易相关资讯提供给任何人，包含但不限于身分证号、交易杂凑码、收款钱包地址、帐户绑定信箱等。我方仅在以下情形才会向您索取帐户、交易或个人识别资讯：
5.2 我方依隐私权政策搜集、使用、分享个人资讯，完整政策内容可见 隐私政策。本隐私政策透过引用纳入本条款，具同等效力。您使用服务，即同意依隐私政策及本章第三条规范，让我方搜集、使用、揭露您的个人资料。
6.1 本条所称“第三方内容”，指由外部单位提供之内容，包含网站连结等，可能显示于我方网站与各项服务页面。
6.2 我方无法管控第三方服务，第三方服务商可能另行收取费用，我方不对第三方服务之功能、品质负责。您使用第三方服务之风险自负，并同意遵守该第三方服务自身之使用条款。
6.3 您使用本服务期间可能浏览第三方内容，我方不代表认可、背书该类内容，对于内容误导、残缺、错误、冒犯、不雅或其他不当内容，不承担任何责任。您与第三方之间的交易、沟通仅属双方私事，因该往来产生之任何损失，我方不负赔偿责任；您确认浏览第三方内容、与第三方互动之所有风险自行承担。
7.1 我方会将所有客户、交易、虚拟资产钱包地址，与香港及国际制裁名单交叉比对，包含依香港《联合国制裁条例》（第 537 章）、《联合国（反恐怖主义措施）条例》（第 575 章）及相关国际制裁机制建立之制裁清单。您声明并保证，您并非任何制裁清单所列之个人或法人，亦不会利用本服务与该类制裁对象进行交易。
7.2 若我方确认帐户内资产归属或受控于制裁清单所列个人 / 法人，依法必须冻结该笔资产、向联合财富情报组（JFIU）作出相关申报，并依法令向香港警务处、香港海关或其他执法机关揭露相关资产。您使用本服务即知悉前述法定义务，同意我方依法无须事前通知，直接冻结、申报、揭露您的资金与资产。
8.1 我方有权依自身判断，无须事前通知，随时暂停、限制、锁定或终止您的帐户，并冻结帐户内所有余额，发生以下情形时得执行：
8.2 若依香港《打击洗钱及恐怖分子资金筹集条例》禁止“泄密”规范，我方不得揭露帐户冻结、限制、终止原因，则我方无义务向您说明该处置理由。
8.3 若您帐户无未完成交易、无未清偿义务、无积欠我方款项，可随时透过网站或客服管道提交申请，关闭帐户并终止本合约。帐户关闭后剩余资金将退还予您，但须先完成法令要求之所有反洗钱、反恐怖融资审查。
9.1 虚拟资产于香港及全球各地大多不属法定货币，无任何政府或中央银行背书。虚拟资产价格波动极大，短期内可能大幅涨跌。您使用我方虚拟资产服务，代表已充分知悉并接受下列风险：
9.2 我方并非银行、资产管理公司、基金管理业者、证券商或投资顾问。本条款及各项服务内容均不构成投资、财务、税务或法律咨询。我方提供之虚拟资产服务仅依香港《打击洗钱及恐怖分子资金筹集条例》规范，归属相关监理范畴。
10.1 您同意保障我方、关系企业、主管、董事、员工、代理商、合作服务商，并协助我方抵御、免于承担所有损失、债务、索赔、损害、成本与费用（包含合理律师费）；前述损失起因包含：
11.1 若因我方无法合理控制之事由，导致我方无法履行或延迟履行本条款义务，我方不承担相关责任；该类事由包含天灾、战争、动乱、恐怖攻击、传染病、政府监理命令、第三方金融 / 电信 / 网路基础设施故障。发生不可抗力期间，我方于本条款下之义务暂停履行。
12.1 我方设有内部使用者申诉处理机制，服务相关申诉可提交至 ops@zrpay.hk。我方会确认收讫申诉，并于合理期限内尽力处理完毕。
12.2 除依香港《打击洗钱及恐怖分子资金筹集条例》负有法定义务外，我方支付相关业务亦可能受香港《支付系统及储值支付工具条例》（香港法例第 584 章）及相关规范约束（若该法令适用于我方营运项目）。待相关规定适用后，我方将完整遵守登记、客户资金保护、事故通报等义务。
12.3 若申诉无法透过我方内部管道解决，您有权向主管机关或法定外部争议处理单位提起申诉（若有设置）。
13.1 我方将用于执行汇款、虚拟资产兑换、预付卡 / 支付卡交易之客户资金，与我方自身营运资金分开存放，并采取合理措施，于交易完成前妥善保管该笔资金。
13.2 客户存放于我方之资金不属存款，不受香港存款保障计划（DPS）或任何存款保险制度保障。
14.1 在法令允许之最大范围内，我方、主管、董事、员工、关系企业、代理商、合作服务商，不对任何间接、附随、特殊、衍生性或惩罚性损害负责；包含但不限于营利损失、资料遗失、商誉损失、服务中断、虚拟资产价值贬损、替代服务成本等，不论损失索偿依据为何，只要起因于您使用或无法使用本服务。
14.2 针对本条款相关所有索偿，我方对您累计总赔偿责任上限，不超过引发争议事件发生前连续三个历月内，您实际支付给我方之手续费总额。
15.1 本条款与您使用本服务之行为，以香港特别行政区法律为准据法，不适用法律冲突规则。所有与本条款相关之争议、主张，包含合约违反、终止、执行、解释、效力等，均受香港法院管辖。
15.2 本条不限制我方于任何地区法院申请暂时处分或衡平救济，亦不免除我方遵守香港法令（含《打击洗钱及恐怖分子资金筹集条例》）所规定之执行义务与监理指示。
16.1 卓锐信贷服务有限公司依香港相关法例就其业务进行必要之登记／申领牌照。该登记或牌照不代表任何监管机构或政府认可、背书、认证我方之产品、服务或财务稳定性；登记仅代表我方成为受规管及负有法定申报义务之单位。
若有管辖权之法院或监理单位认定本条款任一条文无效或无法执行，该条文视为与本条款分离，其余条文仍完整有效。
本条款、隐私权政策及其他明文引用纳入之规章，构成您与我方就本服务之完整合约，取代所有先前口头或书面之协议、声明与共识。
我方未行使、延迟行使本条款任何权利，不视为放弃该权利；单次、局部行使权利，亦不排除后续完整行使该权利。
未经我方事前书面同意，您不得转让、移转本条款下任何权利或义务。我方无需您同意，得全部或部分转让本条款，包含企业合并、收购、组织重组、资产出售等情形。
我方透过帐户绑定信箱发送电子邮件、或于网站刊登公告，即视为完成通知。若您要向我方发送通知，需寄送至网站公开之联络资讯。
18.1 “帐户”：指第 2.2 条所述透过注册流程开立之使用者专属帐号。
18.2 “本服务”：指第 2.1 条所列汇款、虚拟资产兑换转帐、预付卡与支付卡服务，以及配套网站与相关技术系统。
18.3 “网站”：指我方营运、提供各项服务之官方网站、线上页面与应用程式介面。
18.4 章节标题仅供阅读便利，不影响本条款解释；文中“包含”一词皆指“包含但不限于”。
English machine translation — for reference only. In case of any discrepancy, the Chinese version shall prevail.
Please read these Terms of Service (the Terms) carefully before using the services described herein. These Terms govern your (the User, you) use of the services, including the use of ZR Pay services, related technologies and platforms; the platform is operated and maintained by ZR Pay or, depending on the content and nature of the service, its affiliated companies (collectively, ZR Pay, we, us or our).
1.1 Once you browse the website and use the services, a legally binding contract is formed between ZR Credit Services Limited (the operator of the ZR Pay platform) and you. Completing the registration process means you have fully read and agreed to accept all of these Terms.
1.2 You agree that ZR Pay may update these Terms from time to time. If you do not accept the updated Terms, you should immediately stop using all services. Your continued use of the services after the effective date of an update is deemed acceptance of the new version.
1.3 Information on the website does not constitute investment advice, or an offer or invitation for any product or service; nor may it be used to promote products to the public in any jurisdiction where such promotion is prohibited or where such transactions are not permitted by law. If you visit this website of your own accord, you bear all risks and are responsible for complying with all applicable laws and regulations of your jurisdiction.
1.4 By using the services you agree that we may deliver contracts, notices, disclosure documents and other messages electronically, including by email and website announcements. You are obliged to keep the email bound to your account valid and able to receive mail.
2.1 ZR Credit Services Limited (operating the ZR Pay platform, ZR Pay; registered address: Flat/Rm 01, 23/F., Mira Place, Tower A, Tsim Sha Tsui, Hong Kong) is a service provider operating in Hong Kong and regulated under the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615 of the Laws of Hong Kong). ZR Pay provides the following regulated financial services (collectively, the Services): (1) remittance and international funds transfer services; (2) virtual asset exchange and transfer services; (3) prepaid card and payment card issuance and related services; (4) payment service provider business.
2.2 To fully use all functions of the Services, you must complete registration and create an account. An account is a user-exclusive account opened through the registration process to operate the services. Each user may hold only one account; opening multiple accounts is prohibited. When opening an account, you undertake to comply with the following:
We charge fees for certain services, including remittance, virtual asset exchange and prepaid/payment card transactions. The applicable fee standards are shown before a transaction is completed and are also published on the website and fee schedule. In accordance with Clause 1.2, we may adjust the fee standards from time to time.
3.1 As a service provider regulated under the AMLO, we are legally required to establish a complete anti-money-laundering and counter-terrorist-financing (AML/CTF) compliance framework. By using the Services, you agree that we may collect and process your personal information under the AMLO and its subsidiary legislation for purposes including identity verification, transaction monitoring and statutory regulatory reporting.
Completing identity verification is a precondition for using the Services. You must submit true and complete identity documents and complete the verification process under the applicable rules. We will complete identity review before providing services; if you cannot submit the required documents, we may refuse or suspend your access to the Services.
For customers with higher money-laundering or terrorist-financing risk, we will conduct enhanced due diligence, including requiring you to provide a source-of-funds declaration, proof of source of wealth and additional identity documents. You agree to fully cooperate with all our investigation requests.
If you are or become a politically exposed person, a head of an international organisation, or a relative or close associate of such a person, you must proactively and truthfully inform us at account opening and upon any subsequent change of status. We will conduct enhanced due diligence on you, and senior management approval is required before we provide or continue to provide services.
If you use the Services on behalf of a company, partnership or other legal person, you must fully disclose the beneficial owners holding more than 25% of the equity of that legal person and all directors, and submit supporting verification documents under the applicable rules.
Throughout the business relationship, we will continuously monitor customer accounts and transactions to detect abnormal or suspicious behaviour and keep identity data accurate. We may require you to update identity documents or supplement related data at any time.
3.7 If we have reasonable grounds to suspect that a transaction or a transaction to be executed involves money laundering or terrorist-financing offences, we must submit a suspicious transaction report (STR) to the Joint Financial Intelligence Unit (JFIU) under the AMLO. The law prohibits us from informing you whether an STR has been or will be filed regarding your account or transaction (the tipping-off prohibition); none of our employees or agents may disclose any suspicious transaction investigation to you.
We are required by law to report large or cross-border transactions that reach the applicable thresholds to the Joint Financial Intelligence Unit (JFIU) and relevant authorities. Such reporting is a statutory obligation and does not require your prior consent.
3.9 For virtual asset transfers or electronic funds transfers of HKD 8,000 or more, under the applicable rules we must collect, retain and transmit the identity information of the originator and beneficiary to the counterparty financial institution or virtual asset service provider. By initiating or receiving a transfer that meets the threshold, you agree that we may collect and transmit such data.
Under the applicable rules, customer identity documents must be retained for at least 5 years from the last transaction or the end of the business relationship; complete transaction records must be retained for at least 5 years from the date of each transaction. This statutory retention obligation takes precedence over any request by you to delete personal data or transaction records.
4.1 Before and during your use of the Services, you continuously represent, warrant and agree that:
4.2 You further represent, warrant and agree that in using the Services you will not violate any law, contract or third-party right, nor engage in any infringing act; you alone bear responsibility for all operations and authorizations. Without prejudice to the above, you undertake never to:
5.1 Except for our official staff, do not provide transaction-related information to anyone, including but not limited to your ID number, transaction hash, receiving wallet address and account email. We will only ask you for account, transaction or personal identification information in the following cases:
5.2 We collect, use and share personal information in accordance with our Privacy Policy; the full policy is available at Privacy Policy. The Privacy Policy is incorporated into these Terms by reference and has equal effect. By using the Services, you agree that we may collect, use and disclose your personal data in accordance with the Privacy Policy and Clause 3 of this document.
6.1 Third-party Content in this clause means content provided by external parties, including website links, which may be displayed on our website and service pages.
6.2 We cannot control third-party services; third-party providers may charge separate fees, and we are not responsible for the functionality or quality of third-party services. You use third-party services at your own risk and agree to comply with the third party's own terms of use.
6.3 You may view third-party content while using the Services; we do not endorse such content and bear no responsibility for content that is misleading, incomplete, erroneous, offensive, indecent or otherwise inappropriate. Transactions and communications between you and third parties are private matters between the parties, and we are not liable for any loss arising from such dealings; you confirm that you bear all risks of viewing third-party content and interacting with third parties.
7.1 We screen all customers, transactions and virtual asset wallet addresses against Hong Kong and international sanctions lists, including lists established under the United Nations Sanctions Ordinance (Cap. 537), the United Nations (Anti-Terrorism Measures) Ordinance (Cap. 575) and related international sanctions regimes. You represent and warrant that you are not a person or entity on any sanctions list and will not use the Services to transact with such sanctioned parties.
7.2 If we determine that assets in an account belong to or are controlled by a person/entity on a sanctions list, we are legally required to freeze those assets, make the relevant reports to the Joint Financial Intelligence Unit (JFIU), and disclose the relevant assets to the Hong Kong Police Force, the Customs and Excise Department or other law enforcement agencies as required by law. By using the Services you acknowledge these statutory obligations and agree that we may, without prior notice, freeze, report and disclose your funds and assets as required by law.
8.1 We may, at our own discretion and without prior notice, suspend, restrict, lock or terminate your account and freeze all balances in it at any time, in the following circumstances:
8.2 Where the tipping-off prohibition under the AMLO prevents us from disclosing the reasons for freezing, restricting or terminating an account, we are under no obligation to explain the reasons for such action to you.
8.3 If your account has no pending transactions, no outstanding obligations and no amounts owed to us, you may apply at any time through the website or customer service to close the account and terminate this contract. Remaining funds will be refunded to you after account closure, subject to first completing all AML/CTF checks required by law.
9.1 Virtual assets are generally not legal tender in Hong Kong or elsewhere and are not backed by any government or central bank. Virtual asset prices are highly volatile and may rise or fall sharply in a short time. By using our virtual asset services, you acknowledge and accept the following risks:
9.2 We are not a bank, asset manager, fund manager, securities broker or investment adviser. These Terms and the Services do not constitute investment, financial, tax or legal advice. Our virtual asset services are regulated only under the AMLO and fall within the relevant regulatory scope.
10.1 You agree to indemnify and hold harmless us, our affiliates, officers, directors, employees, agents and partner service providers, and to help us defend against all losses, liabilities, claims, damages, costs and expenses (including reasonable legal fees) arising from:
11.1 We are not liable for any failure or delay in performing our obligations under these Terms caused by events beyond our reasonable control, including natural disasters, war, unrest, terrorist attacks, epidemics, government regulatory orders, and failures of third-party financial, telecommunications or network infrastructure. During a force majeure event, our obligations under these Terms are suspended.
12.1 We maintain an internal user complaints mechanism; service-related complaints may be submitted to ops@zrpay.hk. We will acknowledge receipt of complaints and endeavour to resolve them within a reasonable time.
12.2 In addition to our statutory obligations under the AMLO, our payment-related business may also be subject to the Payment Systems and Stored Value Facilities Ordinance (Cap. 584) and related rules (where such law applies to our operations). Once the relevant requirements apply, we will fully comply with obligations such as registration, customer fund protection and incident reporting.
12.3 If a complaint cannot be resolved through our internal channels, you have the right to lodge a complaint with the competent authority or a statutory external dispute resolution body (where available).
13.1 We keep customer funds used for remittance, virtual asset exchange and prepaid/payment card transactions separate from our own operating funds, and take reasonable measures to safeguard such funds until transactions are completed.
13.2 Funds held by us for customers are not deposits and are not protected by the Hong Kong Deposit Protection Scheme (DPS) or any deposit insurance scheme.
14.1 To the maximum extent permitted by law, we, our officers, directors, employees, affiliates, agents and partner service providers are not liable for any indirect, incidental, special, consequential or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, service interruption, depreciation of virtual asset value or cost of substitute services, on any basis of claim, arising from your use of or inability to use the Services.
14.2 For all claims relating to these Terms, our aggregate liability to you shall not exceed the total fees you actually paid to us during the three consecutive calendar months before the event giving rise to the dispute.
15.1 These Terms and your use of the Services are governed by the laws of the Hong Kong Special Administrative Region, without regard to conflict-of-laws rules. All disputes and claims relating to these Terms, including breach, termination, enforcement, interpretation and validity, are subject to the jurisdiction of the Hong Kong courts.
15.2 This clause does not limit our right to seek interim or equitable relief in any court, nor does it relieve us of the enforcement obligations and regulatory directions required under Hong Kong law (including the AMLO).
16.1 ZR Credit Services Limited carries out the necessary registration/licensing for its business under applicable Hong Kong law. Such registration or licence does not mean that any regulator or government approves, endorses or certifies our products, services or financial soundness; it merely means we are a regulated entity subject to statutory reporting obligations.
If a court or regulator of competent jurisdiction holds any provision of these Terms invalid or unenforceable, that provision is deemed severed and the remaining provisions remain in full force and effect.
These Terms, the Privacy Policy and other rules expressly incorporated by reference constitute the entire agreement between you and us regarding the Services, superseding all prior oral or written agreements, representations and understandings.
Our failure or delay in exercising any right under these Terms is not a waiver of that right; a single or partial exercise does not preclude any further exercise of that right.
You may not assign or transfer any right or obligation under these Terms without our prior written consent. We may assign these Terms in whole or in part without your consent, including in cases of merger, acquisition, reorganization or asset sale.
Notice from us is deemed given when we send an email to the account-bound email address or post an announcement on the website. To send a notice to us, you must send it to the contact information published on the website.
18.1 Account: the user-exclusive account opened through the registration process as described in Clause 2.2.
18.2 Services: the remittance, virtual asset exchange and transfer, and prepaid/payment card services listed in Clause 2.1, together with the supporting website and related technical systems.
18.3 Website: the official website, online pages and application interfaces through which we operate and provide the services.
18.4 Section headings are for convenience only and do not affect interpretation; the word include means include without limitation.
ZR Pay