Updated on 10 Aug 2020
Zhongguo Remittance Pte. Ltd. (Company registration 200612239R) (“Zhongguo Remittance”) is a company incorporated in Singapore, whose registered address is 1 Park Road, #02-K96, People’s Park Complex Singapore 059108 and holds a remittance licence issued by the Monetary Authority of Singapore (RA No. 01501).
By accessing and/or using the Platform and/or the Services, you accept and agree to be legally bound by these Terms. If you do not agree to these Terms, please do not access or use the Platform and/or the Services.
1.1. In these Terms, the following definitions shall apply unless the context does not permit such application:
“App” means the mobile application that is owned, controlled and provided by Zhongguo Remittance.
“Applicable Laws” means all laws, regulations, policies, guidelines, codes of practice, instructions or other instruments having the force of law in whatsoever form that any competent regulatory, governmental or judicial authorities may issue from time to time relating to the Services or otherwise.
“Application Information” has the meaning as set out in Clause 3.1.
“Beneficiary” means an individual or corporate entity who is nominated by a Registered Customer to receive funds via the Services.
“Business Day” means a day other than Saturdays, Sundays or public holidays in Singapore.
“Communication” shall have the meaning as set out in Clause 22.1.
“Converted Amount” means in respect of a Transaction, the amount in the specified foreign currency that is to be credited into a Beneficiary’s bank account, after converting the Remittance Amount based on the applicable Exchange Rate for the time being, subject to the relevant terms of any third party service which may apply to such transaction.
“Counter” means a physical place of business at any of the licensed locations operated by Zhongguo Remittance.
“Customers’ Account” shall have the meaning as set out in Clause 4.2.
“Exchange Rate” means the rate at which the Remittance Amount is converted into the Converted Amount.
“Operating Hours” shall have the meaning as set out in Clause 2.2.
“Registered Customer” means an individual or corporate entity whose registration application for the use of the Services has been accepted by Zhongguo Remittance and whom the provision of the Services has not been suspended or terminated for any reason whatsoever.
“Remittance Amount” means the amount in Singapore Dollars specified by a Registered Customer to be remitted to the relevant Beneficiary’s bank account when making a Transaction Request prior to any conversion of such amount.
“Services” means the remittance service provided by Zhongguo Remittance to a Registered Customer by means of the Website or the App, over a Counter, or through email instructions that enables a Registered Customer to remit funds to Beneficiaries in the manner and subject to these Terms.
“Transaction” means a remittance transaction using the Services through the Platform, over a Counter or through email instructions to transfer funds to a Beneficiary that is performed by Zhongguo Remittance at a Registered Customer’s request.
“Transaction Request” shall have the meaning as set out in Clause 4.1.
“Territory” means the list of countries designated as a participant country by Zhongguo Remittance from time to time.
“Website” means the website https://zhongguoremittance.com/.
1.2. Except to the extent that the context requires otherwise:
2. Use of Platform
2.1. The Platform consists of an Internet-based website and/or mobile-based application that enables Registered Customers to remit funds to Beneficiaries.
2.2. The Platform will generally be available 24 hours a day, 7 days a week from Monday to Sunday, or such time as may be published by Zhongguo Remittance (the “Operating Hours”). Zhongguo Remittance may vary the Operating Hours from time to time.
2.3. Notwithstanding the above, the availability of the Platform and the Operating Hours may be affected during any scheduled maintenance or as otherwise determined and notified by Zhongguo Remittance. The timeframe for remittance payout to the Beneficiary shall also be as determined by Zhongguo Remittance, subject to Applicable Laws.
3. Eligibility and Account Opening
3.1. The Platform and the Services are only available to you if you are a Registered Customer. To be a Registered Customer, you must provide all information required (including but not limited to identity verification documents, corporate documents and/or other information or documents which Zhongguo Remittance requests for) to Zhongguo Remittance in person at a Counter (the “Application Information”) and agree to these Terms. Zhongguo Remittance will take reasonable endeavours to protect the confidentiality of the Application Information and will only use the Application Information for the purposes of processing your registration application, performing credit risk, know-your-customer, anti-money laundering / countering the financing of terrorism (AML/CFT), financial and other relevant risk assessments and checks on you and for providing you with the Services. Zhongguo Remittance reserves the right to reject or accept any application at its sole discretion and Zhongguo Remittance shall not be obliged to disclose its reasons for any decision to reject an application.
3.2. When your registration has been verified and approved by Zhongguo Remittance, you will become a Registered Customer. All Registered Customers shall fully cooperate with Zhongguo Remittance (including providing all information as Zhongguo Remittance may request from time to time) to: (a) facilitate its on-boarding process with respect to the Registered Customer; (b) enable Zhongguo Remittance to comply with all applicable laws, regulations and other requirements (including but not limited to ‘know-your-client’, anti-money laundering and countering the financing of terrorism laws, regulations and requirements); (c) and enable Zhongguo Remittance to comply with requests by any regulator and/or its obligations under these Terms, and/or any term and conditions applicable to the Platform and/or the Services.
3.3. As a Registered Customer, your account is not transferable and may not be assigned to any third party. You are responsible for maintaining the confidentiality of your user account ID and password, and are fully responsible for all activities that occur under your account whether or not actually or expressly authorised and/or used by you. You agree to immediately notify Zhongguo Remittance if any unauthorised third party has access to your user account ID or password or if there is any unauthorised use of your account or any breach of security known to you or if you have lost your user account ID and password.
3.4. You agree to: (a) provide true, accurate, current and complete information about yourself and/or your company as described in the registration form(s) on the Platform or at the Counter; and (b) maintain and promptly update such registration data to keep it accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or if Zhongguo Remittance suspect that such information is untrue, inaccurate, not current or incomplete, Zhongguo Remittance reserves the right to suspend or terminate your account and refuse any and all current or future use of the Platform (or any part thereof).
4.1. Each request from a Registered Customer for the performance of a Transaction (“Transaction Request”) shall be submitted to Zhongguo Remittance in such manner and form and accompanied with such supporting documentation and information as Zhongguo Remittance may require. A Registered Customer may make a Transaction Request through the Platform, in person at the Counter, or through email instructions to Zhongguo Remittance.
4.2. The Registered Customer must make full payment of the Remittance Amount and all applicable prevailing fees (as may be imposed, stipulated, or modified from time to time by Zhongguo Remittance in its absolute discretion, and communicated to the Registered Customer in such form and manner as may be prescribed by Zhongguo Remittance) to Zhongguo Remittance at the Counter, through the Platform or through email instructions to Zhongguo Remittance’s bank account designated as a customers’ account (“Customers’ Account”) before any Transaction Request will be processed. Upon successful payment and once the Transaction Request is accepted and has been processed, a receipt will be issued to the Registered Customer either over the Counter or as an e-receipt through the Platform or through email. This receipt will include details, including but not limited to, the Remittance Amount, Exchange Rate and Converted Amount. Such receipt is not proof of a successful Transaction and shall not be treated as one.
4.3. Funds of the Registered Customer will be held on a commingled basis with funds of other Registered Customers in the Customers’ Account, and where the Customers’ Account is interest bearing, the Registered Customer acknowledges that Zhongguo Remittance shall not attempt to allocate any respective interest entitlement to any Registered Customer on an individual basis due to the constant fluctuations in the value of the commingled funds in such Customers’ Account, administrative difficulties and cost. The Registered Customer agrees to waive and relinquish in favour of Zhongguo Remittance any and all entitlement to interest accruing to the Registered Customer’s share of funds in such Customers’ Account.
4.4. The conversion of the Remittance Amount into the Converted Amount shall be performed at the prevailing Exchange Rate at the time the Transaction Request was made by the Registered Customer, as determined by Zhongguo Remittance in its absolute discretion.
4.5. The Registered Customer may make enquiries in relation to Zhongguo Remittance’s prevailing Exchange Rates through the Platform or over the Counter. Zhongguo Remittance does not make any representation or warranty to the Registered Customer that the exchange rate quoted will be the best available rate and/or that the exchange rate quoted will in fact be the Exchange Rate applied to the Registered Customer’s Transaction Request. Upon making the Transaction Request, the Registered Customer shall be deemed to have accepted the prevailing Exchange Rate as determined by Zhongguo Remittance in its absolute discretion to be applied to the Transaction Request and Zhongguo Remittance will not entertain any dispute or requests for refunds arising from the Exchange Rate.
4.6. The Registered Customer understands that in order for any Beneficiary to successfully receive funds via the Services, the Beneficiary must also be eligible to use relevant third party services in the relevant Territory, such as banking services. It is the Registered Customer’s sole responsibility to ensure that the intended Beneficiaries are eligible to do so, and comply with all applicable terms relating to such third party services.
4.7. The Registered Customer agrees that the continued provision of the Services by Zhongguo Remittance to the Registered Customer is subject to the following conditions:
4.8. Without prejudice to any other rights of Zhongguo Remittance under these Terms, in the event any identification document submitted by the Registered Customer is expired or invalid, Zhongguo Remittance shall be entitled to suspend the Services. Further, may at its absolute discretion refuse to perform and/or complete any Transaction (including where the Registered Customer fails to fulfil any of the conditions set out in this Clause 4, in which case Zhongguo Remittance shall, subject to Applicable Laws, refund the amount which has been paid to Zhongguo Remittance (or part thereof) in respect of such Transaction to the Registered Customer in accordance with these Term.
4.9. Once the Transaction Request is accepted, it will be processed. The Beneficiary will be deemed to have received the funds once the Converted Amount is remitted into the Beneficiary’s bank account or collected in person by the Beneficiary, as the case may be.
4.10. If the Converted Amount cannot be remitted to the Beneficiary’s bank account for whatever reason whatsoever and howsoever arising within seven (7) Business Days of the date that Zhongguo Remittance receives the Remittance Amount from the Registered Customer, the Transaction Request shall be deemed to have failed. Zhongguo Remittance will notify the Registered Customer of such failure immediately, for the Registered Customer’s further instructions.
4.11. The Registered Customer may not amend, cancel or withdraw a submitted Transaction Request unless Zhongguo Remittance in its absolute discretion otherwise agrees in writing. Zhongguo Remittance shall not be liable to the Registered Customer if Zhongguo Remittance does not or is unable to stop or prevent the Transaction from going ahead.
4.12. The Registered Customer agrees that he bears sole responsibility for the use and safeguarding of his and his Beneficiaries’ personal information (including user account ID and password) when using the Services through the The Registered Customer further agrees that he is responsible for all Transaction Requests and shall exercise caution when transferring any Remittance Amount to unfamiliar Beneficiaries and be alert to the possibility of fraud.
4.13. In the absence of manifest error, the Registered Customer accepts that Zhongguo Remittance’s record of Transaction shall be final and conclusive and binding for all purposes.
4.14. Subject to Applicable Laws, Zhongguo Remittance may record any audio or telephone conversation with the Registered Customer and the Registered Customer agrees that such recordings shall be admissible in evidence in any proceedings and shall be binding on the Registered Customer.
5.1. Subject to Clause 5.3, Zhongguo Remittance shall refund the Remittance Amount or Converted Amount to the Registered Customer where any of the following situations occur:
5.2. Where a Registered Customer’s request for a refund of the Remittance Amount or the Converted Amount (or any part thereof) is approved, Zhongguo Remittance will process such refund within 7 Business Days from the date of such approval. Refunds shall only be made to the Registered Customer via direct payment into the Registered Customer’s bank account as designated by the Registered Customer in its Application Information.
5.3. Refunds will only be made for the Remittance Amount or Converted Amount in Singapore Dollars at such exchange rate as may be determined by Zhongguo Remittance at its sole and absolute discretion, less any fees or charges, including any administrative fees charged by Zhongguo Remittance for any refund, and any fees or charges which may be imposed by any relevant third party service provider (including any banks).
6. Usage Restrictions
6.1. In using the Platform and the Services, you acknowledge and agree that:
7. Third Party Services and Content
Where the Platform contains links to other websites and resources provided by third parties, these links are provided for your convenience only. Zhongguo Remittance shall not be responsible or liable for any products or services of such third party. Zhongguo Remittance also makes no representations or guarantees regarding the availability or content (including its truthfulness, accuracy, completeness, timeliness or reliability) of such third party websites or resources in respect of which links have been provided in the Platform.
8. Personal Data Protection
9. Network access and Devices
9.1. You are responsible for obtaining the data network access necessary to access the Platform or use the Services. Your network provider’s data and messaging rates and fees may apply if you access or use the Platform or Services from a wireless-enabled device. You are solely responsible for these costs and the costs of any other third party associated with your receiving the Services and/or using the Platform.
9.2. You are responsible for acquiring and updating compatible hardware or devices necessary to access and use the Services and/or the Platform and any updates thereto. Zhongguo Remittance does not guarantee that the Platform or the Services, or any portion thereof, will function on any particular hardware or devices. In addition, the access and use of the Platform or the Services may be subject to malfunctions and delays inherent in the use of the Internet and electronic communications.
10. Intellectual Property
10.1. You acknowledge that Zhongguo Remittance or the relevant third parties own all rights, title and interest in and to the Platform and technology comprised in the Services (where applicable), including without limitation software and portions thereof and all Intellectual Property Rights, and you shall not do or permit any act which is directly or indirectly likely to prejudice the rights, title or interest of the said rightful owner(s) in and to any of the aforesaid. “Intellectual Property Rights” means any and all rights existing from time to time (both current and future) under patent law, copyright law, trade secret law, trademark law, registered design law, and any and all other proprietary rights, and any and all applications, renewals, extensions and restorations thereof, now or hereafter in force and effect worldwide, or capable of protection in any relevant country in the world.
10.2. Unless otherwise expressly permitted by mandatory Applicable Laws, you agree not to modify, adapt, translate, prepare derivative works from, or decompile, reverse engineer, disassemble or otherwise attempt to derive source code from, the Platform. You shall not lend, sell, redistribute or sub-license, the Platform. Without prejudice to the generality of the foregoing, you shall not use in any way and shall not reproduce any trademarks that are associated with the Platform or the Services or that you have sight of when using the Services, without the prior written consent of Zhongguo Remittance.
10.3. You also agree to not remove, obscure, or alter Zhongguo Remittance’s or any third party’s copyright notice, trademarks, or other proprietary rights notices affixed to or contained within or accessed in conjunction with or through the Platform.
11. Disclaimer and Limitation of Liability
11.1. The Platform and the Services are provided “as is” and “as available”. To the fullest extent permissible by law, Zhongguo Remittance disclaims all representations and warranties, express, implied, or statutory, not expressly set out in these terms, including any implied warranties of quality, fitness for a particular purpose and non-infringement. In addition, Zhongguo Remittance makes no representation, warranty, or guarantee regarding the reliability, timeliness, quality, suitability, or availability of the Services or any services requested through the use of the Platform and the Services, or that your use of the Platform and the Services will be uninterrupted or error-free. You agree that the entire risk arising out of your use of the Platform and/or the Services, and any service requested in connection therewith, remains solely with you, to the maximum extent permitted under Applicable Laws.
11.2. Zhongguo Remittance shall not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages, including lost profits, lost data, personal injury, or property damage related to, in connection with, or otherwise resulting from any use of the Platform or the Services, even if Zhongguo Remittance has been advised of the possibility of such damages. Zhongguo Remittance shall not be liable for any damages, liability or losses arising out of your use of or reliance on the Platform or the Services or your inability to access or use the Platform or the Services.
11.3. Zhongguo Remittance retains absolute discretion in determining whether or not to provide maintenance and support services for the Platform, and if so, the type of maintenance and support services.
11.4. Where Zhongguo Remittance’s liability is not expressly excluded or permitted to be excluded under these Terms or under any Applicable Laws, Zhongguo Remittance’s liability to the Registered Customer for any direct damages and all other loss or damage arising under or in connection with these Terms, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall in no circumstances exceed the Remittance Amount.
11.5. The provisions of this Clause 11 notwithstanding, Zhongguo Remittance does not exclude its liability for death or personal injury caused from its negligence, or the negligence of its employees or agents.
You agree to indemnity, defend and hold Zhongguo Remittance, its related corporations, including their respective successors, assigns, employees, officers, harmless from and against all claims, demands, actions, losses, damages, costs and expenses (including legal fees), arising out of and in connection with your breach of these Terms, your use of the Platform, your receipt or use of the Services and/or your failure to comply with any Applicable Laws.
13. Unpredictable nature of the Platform
You understand and acknowledge that the transmission of information through telecommunications channels is unpredictable in nature and depends on, amongst other issues inter alia (a) third party telecommunications operators, and (b) the proper maintenance of your receiving equipment. Zhongguo Remittance gives no guarantee of the continued availability and quality of reception of the Services and/or the Platform.
14. Suspension and Termination
14.1. In the event of any Force Majeure Event, breach of these Terms or any Applicable Laws, or any other event that would make provision of the Services commercially unreasonable for Zhongguo Remittance, Zhongguo Remittance may, in its discretion and without liability to you, with or without prior notice, suspend your access to all or a portion of the Services and/or as may be required by Applicable Laws, freeze any Remittance Amount, Converted Amount or funds received, file a suspicious transaction report with the relevant authorities or otherwise report or inform the relevant authorities or take any other steps to protect the Zhongguo Remittance’s interests as Zhongguo Remittance deems appropriate. Zhongguo Remittance may also terminate your access to the Services in its sole discretion, immediately and without prior notice, deactivate your account and all related information and files in such account without liability to you, including, for instance, in the event that you breach any term of these Terms. In the event of discontinuation of all Services, termination of your access to the Services, or deletion or deactivation of your account, all amounts payable by you to Zhongguo Remittance will immediately become due and Zhongguo Remittance may take such other steps as it deems necessary or desirable to protect its own interests. Subject to these Terms, Zhongguo Remittance shall not be responsible or liable for any loss or damages incurred as a result of or arising from any actions taken under this Clause 14.
14.2. Clauses 11 (Disclaimer and Limitation of Liability), 12 (Indemnity), this Clause 14 (Suspension and Termination) and Clause 18 (Governing law and dispute resolution) shall survive the termination of these Terms.
15. Force Majeure
Zhongguo Remittance shall not be liable for non-performance, error, interruption or delay in the performance of its obligations under these Terms or for the inaccuracy, unreliability or unsuitability of the Platform and/or the Services’ contents if this is due, in whole or in part, directly or indirectly to an event or failure which is beyond the reasonable control of Zhongguo Remittance (a “Force Majeure Event”).
16. Non-transferable rights
The rights to use the Platform and the Services are personal to you, and you may not transfer or assign to a third party any of your rights and obligations as defined in these Terms unless you have obtained the prior written consent of Zhongguo Remittance to do so. Zhongguo Remittance may on written notice, without prior consent from you, transfer, assign or sub-license the benefit of the whole or any part of its obligations and rights under these Terms to any persons Zhongguo Remittance deems fit.
These Terms may be varied from time to time by Zhongguo Remittance at its sole discretion by notice through the Platform or by such other methods of notification as Zhongguo Remittance may designate (which may include notification by way of letter, text or email), such variation to take effect on the date Zhongguo Remittance specify through the aforesaid means. If you use the Platform or the Services after such date, you are deemed to have accepted such variation. If you do not accept the variation, you must stop access or using the Platform or the Services.
18. Governing law and dispute resolution
18.1. The Registered Customer may direct all complaints or disputes to Zhongguo Remittance’s customer service team at [email protected]. If the Registered Customer is not satisfied with Zhongguo Remittance’s responses, it may refer the dispute for resolution in accordance with Clause 18.3 below.
18.2. These Terms are governed by and shall be construed in accordance with the laws of Singapore.
18.3. Any dispute arising out of or in connection with these Terms, including any question regarding its existence, validity or termination, shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre in accordance with the Arbitration Rules of the Singapore International Arbitration Centre for the time being in force, which rules are deemed to be incorporated by reference in this Clause 18. The seat of the arbitration shall be Singapore. The Tribunal shall consist of one (1) arbitrator. The language of the arbitration shall be English.
19. Entire Agreement
These Terms contain the entire agreement between you and Zhongguo Remittance with respect to use and access of the Platform and the Services, and shall supersede all previous communications (whether written, oral or otherwise), discussions or letters relating to the same.
If any terms or provision contained herein shall in whole or in part be held by the competent court to any extent to be illegal or unenforceable under applicable law, that term or provision or part shall to that extent be deemed not to form part of these Terms and the enforceability of the remainder of these Terms shall not be affected.
21. Rights of Third Parties
Save as otherwise provided for in these Terms, any person who is not a party to these Terms shall have no right to enforce any of the provisions of these Terms under the Contracts (Rights of Third Parties) Act (Cap. 53B).
22. Notice and Correspondences
22.1. All notices, communication and correspondences by Zhongguo Remittance (collectively “Communication”) may be sent to you via the Platform, by hand, post, email, facsimile transmission or any other means deemed appropriate by Zhongguo Remittance. Such Communication may be sent to your address or email as maintained in Zhongguo Remittance’s records. Any such Communication addressed and sent to you shall be deemed to have been received by you:
22.2. Any communication by you to Zhongguo Remittance shall be posted via the Platform, or in writing to Zhongguo Remittance’s email address at [email protected] or registered address at 1 Park Road, #02-K96, People’s Park Complex Singapore 059108, unless Zhongguo Remittance specifies otherwise. Zhongguo Remittance reserves the right at its absolute discretion to regard any communication from you as invalid or ineffective if Zhongguo Remittance has not confirmed its receipt of such communication from you.
23. Prevailing language
If these Terms are translated into any other language, the English language version shall prevail in the event of any ambiguity, discrepancy or omission as between the English text and any translated text.
Zhongguo Remittance Voucher Terms and Conditions
更新于 10 Aug 2020
请花时间阅读本文档。这些使用条款（这些“条款”）（以及隐私政策 https://zhongguoremittance.com/zh-chs/privacy-policy）是您（作为个人或您经授权可代表的实体）（“您”或“你”或“您的”或“注册客户”）和 Zhongguo Remittance Pte. Ltd. 之间就网站（如下定义）、应用程序（如下定义，统称“平台”）和服务（如下定义）签订的合同。有关优惠券相关条款和条规，请参见文末。
Zhongguo Remittance Pte. Ltd.（公司注册号 200612239R）（“Zhongguo Remittance”）是一家成立于新加坡的公司，注册地址为 1 Park Road, #02-K96, People’s Park Complex Singapore 059108，持有新加坡金融管理局签发的汇款许可证（RA 号 01501）。
“应用程序”是指 Zhongguo Remittance 拥有、控制和提供的移动应用程序。
“申请信息”的含义见第 3.1 款的规定。
“通信”的含义见第 22.1 款的规定。
“柜台”是指 Zhongguo Remittance 经营的任何许可地点的实体营业场所。
“客户账户”的含义见第 4.2 款的规定。
“营业时间”的含义见第 2.2 款的规定。
“注册客户”是指 Zhongguo Remittance 已接受其使用服务的注册申请且服务提供未因任何原因被暂停或终止的个人或法人实体。
“服务”是指 Zhongguo Remittance 通过网站或应用程序、柜台或电子邮件指令向注册客户提供的汇款服务，此类服务将让注册客户能够按照这些条款规定的方式将资金汇款给收款人。
“交易”是指 Zhongguo Remittance 应注册客户要求，通过平台、柜台或电子邮件指示执行，使用服务将资金转移给收款人的汇款交易。
“交易请求”的含义见第 4.1 款的规定。
“地区”是指 Zhongguo Remittance 不时指定为参与者国家/地区的国家/地区列表。
2.2. 平台通常一天 24 小时、一周 7 天（从周一到周日）提供，或者在 Zhongguo Remittance 可能发布的时间（“营业时间”）可用。Zhongguo Remittance 可能会不时变更营业时间。
2.3. 尽管有上述情况，平台的可用性和营业时间可能会在任何定期维护期间受到影响，或 Zhongguo Remittance 以其他方式决定和通知。向收款人支付汇款的时间范围也由 Zhongguo Remittance 根据适用法律决定。
3.1. 平台和服务仅供注册客户使用。要成为注册客户，您必须亲自到柜台向 Zhongguo Remittance 提供所需的所有信息（包括但不限于身份验证文件、公司文件和/或 Zhongguo Remittance 要求的其他信息或文件）（“申请信息”）并同意这些条款。Zhongguo Remittance 将尽合理努力保护申请信息的保密性，并且仅将申请信息用于处理您的注册申请、执行信用风险、了解您的客户、反洗钱/打击恐怖主义融资 (AML/CFT)、有关您本人的财务和其他相关风险评估和检查以及为您提供服务等目的。Zhongguo Remittance 保留自行酌情拒绝或接受任何申请的权利，而且 Zhongguo Remittance 没有义务披露其拒绝申请的任何决定的原因。
3.2. 您的注册经 Zhongguo Remittance 验证和批准后，您将成为注册客户。所有注册客户均应全力配合 Zhongguo Remittance（包括提供 Zhongguo Remittance 可能不时要求的所有信息），以便：(a) 协助注册客户完成指导流程；(b) 促使 Zhongguo Remittance 遵守所有适用法律、法规和其他要求（包括但不限于“了解您的客户”、反洗钱和打击恐怖主义融资法律、法规和要求）；(c) 促使 Zhongguo Remittance 满足任何监管机构的要求和/或履行其在这些条款下的义务，和/或遵守适用于平台和/或服务的任何条款和条件。
3.3. 作为注册客户，您的帐户不可转移，也不得转让给任何第三方。您有责任将自己的用户帐户 ID 和密码保密，并对自身帐户下发生的所有活动负全部责任，无论是否经您实际或明确授权和/或您本人使用。您同意在任何未经授权的第三方访问您的用户帐户 ID 或密码，或者据您所知您的帐户存在任何未经授权的使用或任何违反安全性的行为，或者您丢失用户帐户 ID 和密码时立即通知 Zhongguo Remittance。
3.4. 您同意：(a) 在平台或柜台提供注册表格中描述的有关您本人和/或贵公司的真实、准确、最新和完整信息；以及 (b) 维护并及时更新注册数据，确保其准确、最新和完整。如果您提供的任何信息不真实、不准确、不是最新或不完整，或者 Zhongguo Remittance 怀疑此类信息不真实、不准确、不是最新或不完整，Zhongguo Remittance 保留暂停或终止您的帐户并拒绝当前或未来对平台（或其任何部分）的任何和全部使用的权利。
4.1. 注册客户的每个交易履行请求（“交易请求”）应以 Zhongguo Remittance 可能要求的方式和形式提交给 Zhongguo Remittance，并且附带要求的支持性文件和信息。注册客户可通过平台、亲自在柜台或者通过电子邮件指令向 Zhongguo Remittance 提出交易请求。
4.2. 注册客户必须先在柜台、通过平台或通过电子邮件指令，向 Zhongguo Remittance 全额支付汇款金额和所有适用的现行手续费（Zhongguo Remittance 可全权自行斟酌不时实施、规定或修改，并以 Zhongguo Remittance 可能规定的形式和方式告知注册客户），存入 Zhongguo Remittance 指定为客户账户的银行账户（“客户账户”），之后任何交易请求才会被处理。支付成功且交易请求被接受和已被处理后，将通过柜台向注册客户开具收据，或者通过平台或电子邮件开具电子收据。此收据将包括明细，包括但不限于汇款金额、汇率和兑换后金额。此类收据不是交易成功的证明，因此不得被视为此类证明。
4.3. 注册客户的资金将在混合的基础上与其他注册客户的资金存在客户账户。如果客户账户有息，注册客户承认由于客户账户中混合资金价值的持续波动性、管理困难和成本，Zhongguo Remittance 无需试图将任何相应利息权利逐个分配给任何注册客户。注册客户同意放弃客户账户中应计到注册客户资金份额的任何和所有利息权利并让渡给 Zhongguo Remittance。
4.4. 将汇款金额兑换成兑换后金额应按照注册客户提出交易请求时的现行汇率执行，该汇率由 Zhongguo Remittance 全权自行斟酌决定。
4.5. 注册客户可通过平台或在柜台查询 Zhongguo Remittance 的现行汇率。Zhongguo Remittance 不向注册客户作出任何声明或保证，即报出的汇率将是最佳可用汇率和/或报出的汇率将实际成为应用于注册客户交易请求的汇率。提出交易请求时，注册客户将被视为已接受 Zhongguo Remittance 全权自行斟酌决定应用于交易请求的现行汇率，并且 Zhongguo Remittance 不会接纳任何因汇率而引起的争议或退款要求。
4.7. 注册客户同意 Zhongguo Remittance 继续向注册客户提供服务需满足以下条件：
4.8. 在不影响 Zhongguo Remittance 在这些条款下的任何其他权利的情况下，注册客户提交的任何身份证明文件过期或失效的，Zhongguo Remittance 有权暂停服务。此外，Zhongguo Remittance 可全权自行斟酌拒绝执行和/或完成任何交易（包括注册客户无法满足本合同第 4 条规定的任何条件的情况，在这种情况下 Zhongguo Remittance 应根据适用法律和这些条款将已就相关交易支付给 Zhongguo Remittance 的金额（或部分）退款给注册客户）。
4.10. 如果出于任何原因、出于任何情况而无法在 Zhongguo Remittance 从注册客户收到汇款金额之日后的七 (7) 个工作日内将兑换后金额汇入收款人的银行账户，则交易请求应被视为失败。Zhongguo Remittance 将立即通知注册客户此类失败，以便获得注册客户的进一步指令。
4.11. 除非 Zhongguo Remittance 全权自行斟酌书面同意，否则注册客户不得修改、取消或撤销提交的交易请求。如果 Zhongguo Remittance 未或无法阻止或防止交易继续进行，Zhongguo Remittance 将不向注册客户承担任何责任。
4.12. 注册客户同意，通过平台使用服务时，自行对使用和保护收款人的个人信息（包括用户帐户 ID 和密码）负责。注册客户进一步同意，自行对所有交易请求负责，并且在将任何汇款金额转移给不熟悉的收款人时小心谨慎且对可能的欺诈保持警惕。
4.13. 在没有明显错误的情况下，注册客户接受 Zhongguo Remittance 的交易记录出于所有目的都是最终的、决定性的且具有约束力。
4.14. 根据适用法律，Zhongguo Remittance 可录制与注册客户进行的任何音频或电话对话，并且注册客户同意该等录音在任何诉讼中将作为证据予以接受，并对注册客户具有约束力。
5.1. 根据第3 款的规定，Zhongguo Remittance 在发生下列情形时应将汇款金额或者兑换后金额退款给注册客户：
5.2. 如果注册客户的汇款金额或兑换后金额（或其中任何部分）的退款请求获批，Zhongguo Remittance 将在批准日期算起的 7个工作日内处理相关退款。退款仅将通过直接支付到注册客户在申请信息中指定的注册客户银行账户来退回给注册客户。
5.3. 退款仅将以 Zhongguo Remittance 可能全权自行斟酌决定的汇率、以新加坡元退回汇款金额或兑换后金额，减去任何手续费或费用，包括 Zhongguo Remittance 针对任何退款收取的任何管理费，以及任何相关第三方服务提供商（包括任何银行）可能征收的任何手续费或费用。
如果平台包含其他网站和第三方提供的资源的链接，这些链接仅为了您的方便提供。Zhongguo Remittance 不对相关第三方的任何产品或服务负责或承担任何责任。Zhongguo Remittance 亦不对在平台上提供链接的第三方网站或资源的可用性或内容（包括其真实性、准确性、完整性、及时性或可靠性）作任何声明或保证。
8.1. 在您使用平台时，且为了向您提供服务，Zhongguo Remittance 可能会收集、使用、披露和/或处理属于您或可能与第三方个人相关并由您提供的个人数据（定义见《2012 年个人数据保护法案》（“PDPA”））。就这一点而言，Zhongguo Remittance 将根据 PDPA 和 Zhongguo Remittance 隐私政策（可在 https://zhongguoremittance.com/zh-chs/privacy-policy 中找到）的相关规定收集、使用、披露和/或处理您的个人数据。
8.2. 在不影响 Zhongguo Remittance 隐私政策中规定的目的的情况下，Zhongguo Remittance 会严格出于向您提供平台和服务的目的收集、使用和披露您的个人数据，具体目的如下：
8.3. 下载、安装、访问或使用平台和/或服务即表示您同意和认可 Zhongguo Remittance 出于上面及其隐私政策中规定的目的收集、使用或处理您的个人数据。
8.4. 您可随时撤销出于上面和隐私政策中规定的目的收集、使用和披露您的个人数据的同意，只需向 Zhongguo Remittance 提供书面通知即可。但请注意，如果您撤销同意，Zhongguo Remittance 可能无法继续向您提供平台和/或服务的使用，并且您特此承认并同意接受您撤销同意的任何相关后果。
9.2. 您负责获得和更新访问和使用服务和/或平台及其任何更新所需的兼容硬件或设备。Zhongguo Remittance 不保证平台或服务或者其任何部门在任何特定硬件或设备上都将正常运行。此外，访问和使用平台或服务时可能会遇到使用互联网和电子通信时固有的故障和延迟。
10.1. 您承认 Zhongguo Remittance 或相关第三方拥有平台和服务中包含的技术（如果适用）的所有权利、所有权和利益，包括但不限于软件及其各个部分和所有知识产权，并且您不得作出或允许可能会直接或间接影响任何上述各项的既定合法所有者的权利、所有权或利益。“知识产权”是指根据专利法、版权法、商业秘密法、商标法、注册设计法规定不时（现在和将来）存在的任何和所有权利，以及现在或以后在全球有效或可在世界任何相关国家/地区受到保护的任何和所有相关应用、更新、扩展和修复。
10.2. 除非强制性适用法律另有明确许可，否则您同意不对平台进行修改、改编、翻译、据以制作衍生作品、反编译、逆向工程、反汇编或以其他方式试图获得其源代码。您不得出租、出售、再分发或再许可平台。在不影响上述事宜的一般性的前提下，未经 Zhongguo Remittance 事先书面同意，您不得以任何方式使用，也不得以任何方式复制与平台或服务相关或者您在使用平台或本服务时所看到的任何商标。
10.3. 您还同意不移除、模糊处理或修改平台随附或包含或者随同或通过平台访问的 Zhongguo Remittance 或任何第三方的版权声明、商标或其他专有权利声明。
11.1. 平台和服务“按原样”和“按可用性”提供。在法律允许的最大范围内，Zhongguo Remittance 不作出这些条款中未明确规定的所有明示、默示或法定的声明和保证，包括质量、适用于特定目的和不侵权的任何默示保证。此外，Zhongguo Remittance 不就服务或通过使用平台和服务请求的任何服务的可靠性、及时性、质量、适用性或可用性，或者您使用平台和服务将不间断或无错误，作出任何声明、保证或担保。您同意，在适用法律允许的最大范围内，您自行承担因使用平台和/或服务以及关联请求的任何服务产生的所有风险。
11.2. Zhongguo Remittance 不对与使用平台或服务相关或导致的间接、附带、特殊、惩戒性、惩罚性或间接损失承担责任，包括利润损失、数据丢失、人身伤害或财产损失，即使 Zhongguo Remittance 已被告知此类损害的可能性也是如此。Zhongguo Remittance 对于因您使用或依赖平台或服务或无法访问或使用平台或服务而产生的任何损害、责任或损失概不负责。
11.3. Zhongguo Remittance 在决定是否为平台提供维护和支持服务以及提供时维护和支持服务的类型时保留绝对酌情权。
11.4. 如果这些条款或任何适用法律未明确排除或允许排除 Zhongguo Remittance 的责任，Zhongguo Remittance 如因这些条款产生或关联产生的任何直接损失和所有其他损失或损害（不管是因合约、侵权行为（包括疏忽）、违反法定责任或其他原因）对注册客户承担的责任在任何情况下均不得超过汇款金额。
11.5. 尽管存在本合同第 11 条的相关规定，但 Zhongguo Remittance 不排除因其疏忽或其员工或代理人的疏忽而造成的死亡或人身伤害的责任。
您同意赔偿、保护和保证 Zhongguo Remittance、其关联企业（包括相应的继承者、受让人、员工、高管）免于遭受因您违反这些条款、使用平台、收到或使用服务和/或您未能遵守任何适用法律产生和关联产生的所有索赔、要求、诉讼、损失、损害、成本和费用（包括法律费用）。
您理解并承认，通过电信渠道传输信息存在不可预测性，除其他问题外，尤其取决于 (a) 第三方电信运营商，以及 (b) 接收设备的正确维护。Zhongguo Remittance 不保证服务和/或平台的持续可用性和接收质量。
14.1. 如果发生任何不可抗力事件、违反这些条款或任何适用法律或任何其他将使得 Zhongguo Remittance 无法采用商业合理方式提供服务的事件，Zhongguo Remittance 可自行斟酌且在不向您承担责任、在提供或不提供事先通知的情况下，暂停您访问全部或部分服务的权限和/或根据适用法律规定，冻结任何汇款金额、兑换后金额或收到的资金，向有关部门提交可疑交易报告或者以其他方式报告或通知有关部门，或者采取 Zhongguo Remittance 认为恰当的任何措施来保护 Zhongguo Remittance 的利益。Zhongguo Remittance 还可能会自行斟酌立即终止您的服务访问权限，以及在不事先通知的情况下，停用您的帐户以及相关帐户中的所有相关信息和文件，而无需对您承担责任，例如包括在您违反这些条款的任何条款的情况下。如果发生停止所有服务、终止您的服务访问权限或者删除或停用您的帐户的情况，您应支付给 Zhongguo Remittance 的所有金额都将立即到期，并且 Zhongguo Remittance 可能会采取其认为必要或需要的其他措施来保护其自己的利益。根据这些条款，Zhongguo Remittance 不对因根据本合同第 14 条采取的任何措施产生或关联产生的任何损失或损害负责或承担责任。
14.2. 第 11 条（免责声明和责任限制）、第 12 条（赔偿）、本合同第 14 条（暂停和终止）和第 18 条（管辖法律和争议解决）在这些条款终止后仍续存。
如果全部或部分与 Zhongguo Remittance 无法合理控制的事件或故障（“不可抗力事件”）直接或间接相关，Zhongguo Remittance 将不对无法履约、错误、中断或延迟履行其在这些条款下的义务或者平台和/或服务内容的不准确、不可靠或不适合承担责任。
使用平台和服务的权利仅授予您个人，因此您不得将这些条款中定义的任何权利和义务转移或转让给第三方，除非您事先征得 Zhongguo Remittance 书面同意。Zhongguo Remittance 可在书面通知且未事先征得您同意的情况下，将全部权益或其在这些条款下的义务和权利的任何部分转移、转让或再许可给 Zhongguo Remittance 认为合适的任何人员。
Zhongguo Remittance 可在通过平台或采用 Zhongguo Remittance 可能指定的其他通知方法发出通知（可能包括采用信函、短信或电子邮件方式通知）的情况下，不时自行斟酌变更这些条款，此类变更将于 Zhongguo Remittance 通过上述方法指定的日期生效。如果您在此类日期后使用平台或服务，您将被视为接受此类变更。如果您未接受变更，您必须停止访问或使用平台或服务。
18.1. 注册客户可向 Zhongguo Remittance 客户服务团队提交所有投诉或争议，电子邮件地址为 [email protected]。如果注册客户对 Zhongguo Remittance 的回复不满意，则可根据下面的第3 款提交争议进行解决。
18.3. 因这些条款产生或关联产生的任何争议（包括有关其存在、有效性或终止的任何问题）都应在有效时间内提交到新加坡国际仲裁中心并接受该中心根据新加坡国际仲裁中心仲裁规则作出的最终判决，该等规则应被视为通过引用纳入本合同第 18 条。仲裁地点为新加坡。仲裁庭应由一 (1) 名仲裁员组成。仲裁语言为英语。
这些条款包含您与 Zhongguo Remittance 之间就使用和访问平台和服务的完整协议，并将取代之前所有与之相关的通信（无论是书面、口头或其他方式）、讨论或信函。
22.1. Zhongguo Remittance 的所有通知、通信和通讯（统称“通信”）可能均会通过平台、亲手、邮寄、电子邮件、传真传输或 Zhongguo Remittance 认为恰当的任何其他方法发送给您。此类通信可能会发送到 Zhongguo Remittance 记录中维护的您的地址或电子邮件。给您发送的任何此类通信均应视为您已在以下时间收到：
22.2. 您发送给 Zhongguo Remittance 的任何通信均应通过平台发布，或者书面发送到 Zhongguo Remittance 电子邮件地址 [email protected] 或注册地址 1 Park Road, #02-K96, People’s Park Complex Singapore 059108，除非 Zhongguo Remittance 另行指定。如果 Zhongguo Remittance 未确认收到您发送的相关通信，Zhongguo Remittance 保留全权自行斟酌将您发送的任何通信视为无效或没有效力的权利。