Terms and conditions
The gift card

通汇电子旅行支票礼品卡的条款和细则

通汇(香港)投资咨询有限公司(下称公司”)是非银行或存款企业类机构,并不会开展银行或存款业务。公司为万事达卡及中国银联卡组织会员,依照下列条款和细则发行通汇电子旅行支票礼品卡(下称“礼品卡”)。一经购买或使用通汇礼品卡,均须遵守下列条款和细则(下称“条款和细则”)。


1 定义

除非另有说明,下列词语应有以下含义:

[账户] 指公司创建及维护的礼品卡之每个特定内部记录,由被分配的礼品卡卡号进行识别及记录该礼品卡的交易;


[银行账户] 指(a)下列银行账户:


万事达卡

中国银联卡

银行名称:

中国工商银行(亚洲)有限公司

中国建设银行(亚洲)有限公司

银行账户名称:

通汇(香港)投资咨询有限公司

银行账号:

美元和欧元861-530-09984-3

港元861-520-08625-1

港元846-210-00468-4;

人民币 846-210-00467-6;

日币 846-210-00469-2

或其他在信托声明中列出的银行账户,而这些账户将不时发布在礼品卡网站上

(上述银行下称银行”);


[银行利息] 指银行支付关于银行账户的银行利息;

[持卡人] 指名字已在网站进行注册的持卡人;

[信托声明] 指公司在2019年8月成立的信托账户之声明;

[有效期] 指礼品卡卡上印制的有效期;

[外币交易] 指任何使用非礼品卡账户所属货币的币种进行之交易;

[香港] 指香港特别行政区;

[万事达卡] 指万事达卡国际组织;

[银联卡] 指银联卡组织;

[交易] 指使用礼品卡引起的商品交易,包括商品和/或服务的购买;

[交易金额] 指每笔交易产生的金额;

[通汇电子旅行支票礼品卡][礼品卡] 指公司签发具有特定账号及如卡上所示基础货币的增值金额之预付卡(外币必须根据相关兑换代理的汇率兑换成基础货币方能进行增值);

[通汇礼品卡网站][礼品卡网站] [网站] 指网站http://www.transforex.hk 或公司不时宣布的其他网站。


除非内文另有辨析,否则单数词包含其复数,反之亦然,而单一性别的词汇亦包含其各种性别。


2 礼品卡的基本特征

1. 礼品卡账户内的资金并非公司存款。礼品卡账户内的资金并非通过电子设备、磁带、光学法或其他方法存储在礼品卡实体卡中,而是存储在银行账户中。公司应依照信托声明,代相关持卡人持有银行账户内的资金(不包括银行利息)。

2. 针对礼品卡银行账户的资金余额,公司不会支付利息予持卡人。任何银行利息均属于公司,公司有权于任何时候从银行账户提取银行利息。

3. 持卡人同意支付给公司在本条款和细则中所述的任何费用、收费或开支,并特此授权公司从礼品卡资金中相应提取此类费用、收费或开支款项。

4. 持卡人同意依照公司和/或万事达卡和/或银联卡的记录,将其使用礼品卡进行消费的任何交易金额支付给相应的万事达卡或银联卡,并特此授权公司从该礼品卡的银行账户中提取相应之交易金额款项,于卡组织和/或公司不时自行规定的到期日前支付给卡组织。

5. 任何遗失的礼品卡均不予补发,包括已过有效期的礼品卡。

6. 礼品卡的性质类似现金。未经持卡人授权的非法使用或盗用,公司无须将相关的交易金额退还予持卡人,并对因此类非法使用或盗用引起的任何损失或伤害概不负责。

7. 礼品卡是由持卡人用于消费。为了确保此用途,若礼品卡在一段时间内未被使用,公司将收取待用管理费(详情请参考第5条),而持卡人承诺承担该等费用并授权公司从其礼品卡的资金中扣除该等费用。

8. 公司终止礼品卡。公司有权自行在任何时候终止和取消礼品卡而无须提供任何理由,只须提前不少于7天通知持卡人,并将礼品卡账户内所有剩余资金(扣除任何交易金额,及相关条款和细则列明的费用、收费和开支后)退还予持卡人。在终止通知中,公司将要求持卡人于90天内提供其在香港的银行账户。若持卡人未能在90天内提供其银行账户数据,或公司无法在由终止通知当日起的90天内退还剩余资金予持卡人,则公司有权从其礼品卡账户中剩余的资金中扣除到期/终止账户管理费(详情请参阅第5条),直到剩余资金为零。至此,公司完全履行了其在相关条款和细则下以及信托声明中的所有责任。公司对关于礼品卡引起的任何损失或伤害概不负责。


3 如何使用礼品卡

1. 万事达礼品卡只能在贴有万事达卡的终端机上使用,相对地,银联礼品卡只能在贴有银联卡的终端机上使用,或公司不时发布的其他终端和公司授权的交易中使用,只要礼品卡内有足够的资金进行交易和支付任何适用的费用即可。使用外币的交易会产生货币转换费(具体收费请参考第5条)。持卡人应承担所有该等费用,并授权公司从其礼品卡的资金中扣除该等费用。

2. 交易时,授权交易金额和相关费用会在持卡人的礼品卡账户资金内被实时冻结。一旦授权,交易不得终止或取消。持卡人特此授权公司向万事达卡或银联卡支付交易金额。

3. 在某些特定商户(包括但不限于特定酒店和餐厅)使用礼品卡时,此类商户可能会扣除额外金额作为小费,而持卡人特此同意并授权公司扣除此类收费。若对于此类收费有任何疑问,请直接与商户进行沟通。公司对因此类收费造成的任何损失或伤害概不负责。

4. 公司不建议持卡人使用礼品卡作预授权,例如保证付款─如酒店、邮轮或租车的保证金,因为此类商户会预估最终的账单,而该笔金额将暂时不可用。尽管最后只会从礼品卡中扣除该笔消费最终账单的实际金额,但从交易当日起到差额可用于消费之前可能需时多达30天。

5. 未用完资金的领回。若持卡人确定将不再使用礼品卡,可以凭礼品卡实体亲身到通汇香港办公室领回余额,但公司有权扣除应付给万事达卡/银联卡的款项及对公司的欠款。适用的其他费用详情请参阅第5条。只有持有礼品卡实体之人士方可领回未用完的资金,所有已遗失或损毁的礼品卡均不在此列。

6. 礼品卡只限持卡人本人使用。持卡人应对礼品卡中的所有交易负责。礼品卡不得用于登录成人或赌博网站或在此等网站内购买商品,不得用于任何非法活动或用途。持卡人应遵守香港和购买/或使用礼品卡地区的所有相关法律法规(包括所有适用的外汇监管措施)。若公司有理由怀疑持卡人可能违反任何上述规定,或发现持卡人违反上述规定,公司有权暂停或取消其礼品卡,并/或终止本条款和细则。

7. 持卡人必须登录礼品卡网站并核实交易。若持卡人发现礼品卡下的交易未经批准或授权,持卡人应在交易完成后的60天内通知客户服务中心。若延期通知,持卡人应被视为批准该项交易,并同意承担该项交易产生的所有风险和责任。

8. 礼品卡不得转账。

9. 礼品卡不能提款。

10. 根据本条款和细则内有关持卡人应付的费用,若延迟付款,公司有权在无须提前通知持卡人的情况下从持卡人持有的任何礼品卡的余额中扣除款项。若持卡人认为扣除金额不正确,持卡人应立即向公司提出异议。


4 如何确保礼品卡和密码的安全

1. 持卡人在收到礼品卡后应尽快在卡背签名。一旦署名,卡将不可转让。
2. 持卡人应采取一切合理可行的措施以确保礼品卡的安全性和密码的机密性,以及持卡人持有的礼品卡的其他保安信息。

3. 持卡人不得允许他人使用其礼品卡、密码或其他保安信息。

4. 公司可能需要持卡人书面确认遗失的、被盗的或不恰当使用的礼品卡的详细数据,或协助公司、任何执法机关和管理当局进行调查。

5. 持卡人应对礼品卡中所有未经授权的交易负责 ,包括但不限于以下情况:(a)持卡人从事欺诈或不诚实行为;(b)持卡人未能依照条款和细则使用礼品卡;(c)持卡人在其意识到礼品卡遗失、被盗或不恰当使用后未能报失;(d)持卡人未能采取合理措施确保礼品卡安全。


5 费用和交易限额

1. 礼品卡的费用标准

产品费率

费用项目

用卡资费标准

备注

银联卡

(港币礼品卡)

银联卡

(日元礼品卡)

万事达卡

(美元礼品卡)

万事达卡

(港币礼品卡)

新卡工本费

20港币/

250日元/

2.5美元/

20港币/


充值限额

最低充值额500港币,最高充值额8000港币

最低充值额10000日元,最高充值额100000日元

最低充值额100美元,最高充值额1000美元

最低充值额500港币,最高充值额8000港币


结清退卡手续费

卡内余额1%(最低50港币)

持实体卡赴通汇香港门店办理

提前换卡或

遗失补卡

不挂失、不换卡


海外交易手续费(按交易金额)

1%

2%

2%

不同时收取

外币签账手续费

(按交易金额)

1%

1.5%

2%

2%

ATM提款手续费

不支持ATM提款


ATM查询手续费

5港币/

不支持ATM查询


是否支持网上交易

不支持

支持


待用账户管理费

15港币/

200日元/

2美元/

15港币/

连续6个月不用卡(无金融交易),第7个月开始每月扣除管理费

过期户管理费

每月扣除卡内余额10%,最低80港币

每月扣除卡内余额10%,最低1000日元

每月扣除卡内余额10%,最低10美元

每月扣除卡内余额10%,最低80港币

仅适用于超过使用有效期的礼品待用账户管理费不会同时收取

调单手续费

港币120/

1500日元/

15美元/

港币120/


卡片有效期

以卡面上印刷到期月份为准


使用有效期

自充值到账后12个月有效

充值到账即激活启用

*礼品卡不记名、不挂失、不替换卡、不续充值、不可在自助柜员机提款



上述收费标准仅代表公司对上述操作的费用,并不包括某些营运商可能收取的额外费用,以及他们制定的限制或限额。公司将不时调整上述收费标准。请参阅礼品卡网站以获取最新收费标准。持卡人应承担上述费用并授权公司从其礼品卡的资金中扣除此类费用。

2. 担保交易限额
为了确保持卡人礼品卡账户资金的安全,公司设置了礼品卡交易金额和使用率限制。如对此安全限制有任何疑问,请致电客户服务中心。


6 商户和持卡人之间的关系

1. 在预期交易的商户拒绝接受礼品卡的情况下,公司对因此产生的任何损失概不负责。

2. 持卡人应直接与相关商户协商处理所有涉及交易的争议。在任何情况下,公司对涉及交易的任何争议均不承担责任。


7 个人资料收集

1. 通过购买和/或使用礼品卡,持卡人同意公司或公司的服务供货商或代理商依照公司的保密条例,处理本条款和细则下礼品卡服务的数据。

2. 为了提供礼品卡服务、产品宣传和促销活动、资料分析、反洗钱、犯罪调查、遵守法律法规、执法和防止欺诈等目的,公司可能向第三方提供持卡人的数据。

3. 持卡人的个人资料可能在购买地以外的其他国家或地区进行处理,但公司和所有服务供货商或代理商均会执行足够的安全措施以保障持卡人个人资料的安全。

4. 持卡人有权选择不收取公司的营销信息。若持卡人在申请期间没有选择拒绝接受营销信息的条款,即被视为不反对(即同意)公司使用或转让他们的个人资料作营销用途。 持卡人亦同意公司与其联系,以获得公司和其他联营机构提供的相关产品和服务。 如持卡人不希望收到此类信息,可随时联络本公司更改收取信息选项。持卡人亦同意公司将有关礼品卡的功能和与其礼品卡相关的信息发送至其手机,包括但不限于余额不足和即将到期等提示。

5. 根据保密和其他条例,持卡人可以联络公司并要求公司提供一份持卡人的个人资料副本。
6. 为协助公司提供礼品卡服务及提高公司服务质素,电话内容可能被录音和/或监听。持卡人同意接受此类录音和/或监听服务。


8 修订和通知

1. 公司可以自行修订条款和细则,一旦在礼品卡网站上公布或者通过公司认为适当的其他方式公布后随即生效。影响费用和收费及持卡人责任和义务的变更,将在公布30天后生效。此条款不适用于超出公司控制的变更。

2. 公司可能不时通过礼品卡网站发布所有有关于礼品卡的最新信息(包括根据本条款和细则内有责任发布的任何信息)。


9 免责条款
1. 除因公司严重疏忽或故意拖延导致的责任外,公司不应对礼品卡产生的任何损失或伤害负责。
2. 公司对任何销售终端没有拥有权或经营权。公司对销售终端拒绝使用礼品卡概不负责。


10 法律和司法管辖权

本条款和细则受香港法律管辖,并须按香港法律解释。持卡人同意服从香港法院的非专属性司法管辖权。


11 其他

1. 若本条款和细则内的全部或部分条款变成非法、无效或不能强制履行,其他条款均不受影响。
2. 根据本条款和细则,若公司未能采取行动或遗漏、延迟执行或履行任何权利,不得视公司为放弃相关权利。单一、部分或不当履行任何权利不会影响相关权利或任何其他权利的进一步履行。

3. 本条款和细则以中英文书写,两份具有同等效力。若中文文本和英文文本之间有任何不一致,当以英文文本为准。


12 联络我们
1. 若持卡人希望获取关于礼品卡的更多信息,请登录通汇礼品卡网站。
2. 若持卡人对礼品卡有任何疑问或意见,请通过以下方式联络公司:

电子邮件 : tce-inq@hnair.com
客户服务热线: 中国大陆以外 +86 (10) 9507 1998
中国大陆 9507 1998

香港地区 800 969 992


通滙電子旅行支票禮品卡的條款和細則

通滙(香港)投資咨詢有限公司(下稱公司”)是非銀行或存款企業類機構,並不會開展銀行或存款業務。公司為萬事達卡及中國銀聯卡組織會員,依照下列條款和細則發行通滙電子旅行支票禮品卡(下稱“禮品卡”)。一經購買或使用通滙禮品卡,均須遵守下列條款和細則(下稱“條款和細則”)。


1條 定義

除非另有說明,下列詞語應有以下含義:

[帳戶] 指公司創建及維護的禮品卡之每個特定內部記錄,由被分配的禮品卡卡號進行識別及記錄該禮品卡的交易;

[銀行帳戶] 指(a)下列銀行帳戶:


萬事達卡

中國銀聯卡

銀行名稱:

中國工商銀行(亞洲)有限公司

中國建設銀行(亞洲)有限公司

銀行帳戶名稱:

通滙(香港)投資咨詢有限公司

銀行帳號:

美元和歐元 861-530-09984-3

及港元 861-520-08625-1

港元 846-210-00468-4;

人民幣 846-210-00467-6;

日幣 846-210-00469-2

或其他在信託聲明中列出的銀行賬戶,而這些賬戶將不時發佈在禮品卡網站上

(上述銀行下稱銀行”);

[銀行利息] 指銀行支付關於銀行帳戶的銀行利息;

[持卡人] 指名字已在網站進行註冊的持卡人;

[信託聲明] 指公司在2019年8月成立的信託帳戶之聲明;

[有效期] 指禮品卡卡上印製的有效期;

[外幣交易] 指任何使用非禮品卡帳戶所屬貨幣的幣種進行之交易;

[香港] 指香港特別行政區;

[萬事達卡] 指萬事達卡國際組織;

[銀聯卡] 指銀聯卡組織;

[交易] 指使用禮品卡引起的商品交易,包括商品和/或服務的購買;

[交易金額] 指每筆交易產生的金額;

[通滙電子旅行支票禮品卡][禮品卡] 指公司簽發具有特定帳號及如卡上所示基礎貨幣的增值金額之預付卡(外幣必須根據相關兌換代理的滙率兌換成基礎貨幣方能進行增值);

[通滙禮品卡網站][禮品卡網站] [網站] 指網站http://www.transforex.hk 或公司不時宣佈的其他網站。


除非內文另有辨析,否則單數詞包含其複數,反之亦然,而單一性別的詞彙亦包含其各種性別。


2條 禮品卡的基本特徵

1. 禮品卡帳戶內的資金並非公司存款。禮品卡帳戶內的資金並非通過電子設備、磁帶、光學法或其他方法存儲在禮品卡實體卡中,而是存儲在銀行帳戶中。公司應依照信託聲明,代相關持卡人持有銀行帳戶內的資金(不包括銀行利息)。

2. 針對禮品卡銀行帳戶的資金餘額,公司不會支付利息予持卡人。任何銀行利息均屬於公司,公司有權於任何時候從銀行帳戶提取銀行利息。

3. 持卡人同意支付給公司在本條款和細則中所述的任何費用、收費或開支,並特此授權公司從禮品卡資金中相應提取此類費用、收費或開支款項。

4. 持卡人同意依照公司和/或萬事達卡和/或銀聯卡的記錄,將其使用禮品卡進行消費的任何交易金額支付給相應的萬事達卡或銀聯卡,並特此授權公司從該禮品卡的銀行帳戶中提取相應之交易金額款項,於卡組織和/或公司不時自行規定的到期日前支付給卡組織。

5. 任何遺失的禮品卡均不予補發,包括已過有效期的禮品卡。

6. 禮品卡的性質類似現金。未經持卡人授權的非法使用或盜用,公司無須將相關的交易金額退還予持卡人,並對因此類非法使用或盜用引起的任何損失或傷害概不負責。

7. 禮品卡是由持卡人用於消費。為了確保此用途,若禮品卡在一段時間內未被使用,公司將收取待用管理費(詳情請參考第5條),而持卡人承諾承擔該等費用並授權公司從其禮品卡的資金中扣除該等費用。

8. 公司終止禮品卡。公司有權自行在任何時候終止和取消禮品卡而無須提供任何理由,只須提前不少於7天通知持卡人,並將禮品卡帳戶內所有剩餘資金(扣除任何交易金額,及相關條款和細則列明的費用、收費和開支後)退還予持卡人。在終止通知中,公司將要求持卡人於90天內提供其在香港的銀行帳戶。若持卡人未能在90天內提供其銀行帳戶資料,或公司無法在由終止通知當日起的90天內退還剩餘資金予持卡人,則公司有權從其禮品卡帳戶中剩餘的資金中扣除到期/終止帳戶管理費(詳情請參閱第5條),直到剩餘資金為零。至此,公司完全履行了其在相關條款和細則下以及信託聲明中的所有責任。公司對關於禮品卡引起的任何損失或傷害概不負責。


3條 如何使用禮品卡

1. 萬事達禮品卡只能在貼有萬事達卡的終端機上使用,相對地,銀聯禮品卡只能在貼有銀聯卡標誌的終端機上使用,或公司不時發佈的其他終端和公司授權的交易中使用,只要禮品卡內有足夠的資金進行交易和支付任何適用的費用即可。使用外幣的交易會產生貨幣轉換費(具體收費請參考第5條)。持卡人應承擔所有該等費用,並授權公司從其禮品卡的資金中扣除該等費用。

2. 交易時,授權交易金額和相關費用會在持卡人的禮品卡帳戶資金內被即時凍結。一旦授權,交易不得終止或取消。持卡人特此授權公司向萬事達卡或銀聯卡支付交易金額。

3. 在某些特定商戶(包括但不限於特定酒店和餐廳)使用禮品卡時,此類商戶可能會扣除額外金額作為小費,而持卡人特此同意並授權公司扣除此類收費。若對於此類收費有任何疑問,請直接與商戶進行溝通。公司對因此類收費造成的任何損失或傷害概不負責。

4. 公司不建議持卡人使用禮品卡作預授權,例如保證付款─如酒店、郵輪或租車的保證金,因為此類商戶會預估最終的帳單,而該筆金額將暫時不可用。儘管最後只會從禮品卡中扣除該筆消費最終帳單的實際金額,但從交易當日起到差額可用於消費之前可能需時多達30天。

5. 未用完資金的領回。若持卡人確定將不再使用禮品卡,可以憑禮品卡實體親身到通滙香港辦公室領回餘額,但公司有權扣除應付給萬事達卡/銀聯卡的款項及對公司的欠款。適用的其他費用詳情請參閱第5條。只有持有禮品卡實體之人士方可領回未用完的資金,所有已遺失或損毀的禮品卡均不在此列。

6. 禮品卡只限持卡人本人使用。持卡人應對禮品卡中的所有交易負責。禮品卡不得用於登錄成人或賭博網站或在此等網站內購買商品,不得用於任何非法活動或用途。持卡人應遵守香港和購買/或使用禮品卡地區的所有相關法律法規(包括所有適用的外滙監管措施)。若公司有理由懷疑持卡人可能違反任何上述規定,或發現持卡人違反上述規定,公司有權暫停或取消其禮品卡,並/或終止本條款和細則。

7. 持卡人必須登錄禮品卡網站並核實交易。若持卡人發現禮品卡下的交易未經批准或授權,持卡人應在交易完成後的60天內通知客戶服務中心。若延期通知,持卡人應被視為批准該項交易,並同意承擔該項交易產生的所有風險和責任。

8. 禮品卡不得轉帳。

9. 禮品卡不能提款。

10. 根據本條款和細則內有關持卡人應付的費用,若延遲付款,公司有權在無須提前通知持卡人的情況下從持卡人持有的任何禮品卡的餘額中扣除款項。若持卡人認為扣除金額不正確,持卡人應立即向公司提出異議。


4條 如何確保禮品卡和密碼的安全

1. 持卡人在收到禮品卡後應盡快在卡背簽名。一旦署名,卡將不可轉讓。
2. 持卡人應採取一切合理可行的措施以確保禮品卡的安全性和密碼的機密性,以及持卡人持有的禮品卡的其他保安資訊。

3. 持卡人不得允許他人使用其禮品卡、密碼或其他保安資訊。

4. 公司可能需要持卡人書面確認遺失的、被盜的或不恰當使用的禮品卡的詳細資料,或協助公司、任何執法機關和管理當局進行調查。

5. 持卡人應對禮品卡中所有未經授權的交易負責 ,包括但不限於以下情況:(a)持卡人從事欺詐或不誠實行為;(b)持卡人未能依照條款和細則使用禮品卡;(c)持卡人在其意識到禮品卡遺失、被盜或不恰當使用後未能報失;(d)持卡人未能採取合理措施確保禮品卡安全。


5條 費用和交易限額

1. 禮品卡的費用標準

產品費率

費用項目

用卡資費標准

備注

銀聯卡

(港幣禮品卡)

銀聯卡

(日元禮品卡)

萬事達卡

(美元禮品卡)

萬事達卡

(港幣禮品卡)

新卡工本费

20港幣/

250日元/

2.5美元/

20港幣/


充值限額

最低充值額500港幣,最高充值額8000港幣

最低充值額10000日元,

最高充值額100000日元

最低充值額100美元,

最高充值額1000美元

最低充值額500港幣,最高充值額8000港幣


結清退卡手續費

卡內余額1%(最低50港幣)

持實體卡赴通匯香港門店辦理

提前換卡或

遺失補卡

不掛失、不換卡


海外交易手續費按交易金額

1%

2%

2%

不同時收取

外幣簽賬手續費

按交易金額

1%

1.5%

2%

2%

ATM提款手續費

不支持ATM提款


ATM查詢手續費

5港幣/

不支持ATM查詢


是否支持網上交易

不支持

支持


待用賬戶管理費

15港幣/

200日元/

2美元/

15港幣/

連續6個月不用卡(無金融交易),第7個月開始每月扣除管理費

過期戶管理費

每月扣除卡內余額10%,最低80港幣

每月扣除卡內余額10%,最低1000日元

每月扣除卡內余額10%,最低10美元

每月扣除卡內余額10%,最低80港幣

僅適用於超過使用有效期的禮品待用賬戶管理費不會同時收取

調單手續費

港幣120/

1500日元/

15美元/

港幣120/次


卡片有效期

以卡面上印刷到期月份為准


使用有效期

自充值到賬後12個月有效

充值到賬即激活啟用

*禮品卡不記名、不掛失、不替換卡、不續充值、不可在自助櫃員機提款

上述收費標準僅代表公司對上述操作的費用,並不包括某些營運商可能收取的額外費用,以及他們制定的限制或限額。公司將不時調整上述收費標準。請參閱禮品卡網站以獲取最新收費標準。持卡人應承擔上述費用並授權公司從其禮品卡的資金中扣除此類費用。

2. 擔保交易限額
為了確保持卡人禮品卡帳戶資金的安全,公司設置了禮品卡交易金額和使用率限制。如對此安全限制有任何疑問,請致電客戶服務中心。


6條 商戶和持卡人之間的關係

1. 在預期交易的商戶拒絕接受禮品卡的情況下,公司對因此產生的任何損失概不負責。

2. 持卡人應直接與相關商戶協商處理所有涉及交易的爭議。在任何情況下,公司對涉及交易的任何爭議均不承擔責任。


7條 個人資料收集

1. 通過購買和/或使用禮品卡,持卡人同意公司或公司的服務供應商或代理商依照公司的保密條例,處理本條款和細則下禮品卡服務的資料。

2. 為了提供禮品卡服務、產品宣傳和促銷活動、資料分析、反洗錢、犯罪調查、遵守法律法規、執法和防止欺詐等目的,公司可能向第三方提供持卡人的資料。

3. 持卡人的個人資料可能在購買地以外的其他國家或地區進行處理,但公司和所有服務供應商或代理商均會執行足夠的安全措施以保障持卡人個人資料的安全。

4. 持卡人有權選擇不收取公司的營銷資訊。若持卡人在申請期間沒有選擇拒絕接受營銷資訊的條款,即被視為不反對(即同意)公司使用或轉讓他們的個人資料作營銷用途。 持卡人亦同意公司與其聯繫,以獲得公司和其他聯營機構提供的相關產品和服務。 如持卡人不希望收到此類資訊,可隨時聯絡本公司更改收取資訊選項。持卡人亦同意公司將有關禮品卡的功能和與其禮品卡相關的資訊發送至其手機,包括但不限於餘額不足和即將到期等提示。

5. 根據保密和其他條例,持卡人可以聯絡公司並要求公司提供一份持卡人的個人資料副本。
6. 為協助公司提供禮品卡服務及提高公司服務質素,電話內容可能被錄音和/或監聽。持卡人同意接受此類錄音和/或監聽服務。


8條 修訂和通知

1. 公司可以自行修訂條款和細則,一旦在禮品卡網站上公佈或者通過公司認為適當的其他方式公佈後隨即生效。影響費用和收費及持卡人責任和義務的變更,將在公佈30天後生效。此條款不適用於超出公司控制的變更。

2. 公司可能不時通過禮品卡網站發佈所有有關於禮品卡的最新資訊(包括根據本條款和細則內有責任發佈的任何資訊)。


9條 免責條款
1. 除因公司嚴重疏忽或故意拖延導致的責任外,公司不應對禮品卡產生的任何損失或傷害負責。
2. 公司對任何銷售終端沒有擁有權或經營權。公司對銷售終端拒絕使用禮品卡概不負責。


10條 法律和司法管轄權

本條款和細則受香港法律管轄,並須按香港法律解釋。持卡人同意服從香港法院的非專屬性司法管轄權。


11條 其他

1. 若本條款和細則內的全部或部分條款變成非法、無效或不能強制履行,其他條款均不受影響。
2. 根據本條款和細則,若公司未能採取行動或遺漏、延遲執行或履行任何權利,不得視公司為放棄相關權利。單一、部分或不當履行任何權利不會影響相關權利或任何其他權利的進一步履行。

3. 本條款和細則以中英文書寫,兩份具有同等效力。若中文文本和英文文本之間有任何不一致,當以英文文本為準。


12條 聯絡我們
1. 若持卡人希望獲取關於禮品卡的更多資訊,請登錄通滙禮品卡網站。
2. 若持卡人對禮品卡有任何疑問或意見,請通過以下方式聯絡公司:

電子郵件tce-inq@hnair.com
客戶服務熱線: 中國大陸以外 +86 (10) 9507 1998
中國大陸 9507 1998

香港地区 800 969 992


Terms and Conditions of TransForex Electronic Traveller's Cheque Gift Card

TransForex (Hong Kong) Investment Consulting Co., Ltd. (the "Company") is not, and does not operate as a bank or deposit-taking institution. TransForex Electronic Traveller's Cheque Gift Card ("Gift Card”) is issued by the Company pursuant to the licence by MasterCard Asia/Pacific Pte. Ltd and UnionPay International Co. Ltd. in accordance with the following terms and conditions. By the purchase or usage of TransForex Gift Card, you agree to comply with the following terms and conditions ("Terms and Conditions”).


Article 1: Definitions
Unless otherwise indicated, the following expressions shall have the following meanings herein:

[Account] refers to each specific internal record established and maintained by the Company in respect of the related Gift Card, identified by card number assigned to the Gift Card and logging transactions of the Gift Card;

 [Bank Account] means (a) the following banking account:

 

MasterCard

UnionPay

Name of bank:

Industrial and Commercial Bank of China (Asia) Limited

China Construction Bank (Asia) Co., Limited

Name of bank account:

TransForex (Hong Kong) Investment Consulting Co., Limited 

Number of bank account:

USD&EUR861-530-09984-3 and HKD861-520-08625-1

HKD 846-210-00468-4; CNY 846-210-00467-6;

JPY 846-210-00469-2

Or any other bank accounts listed in the Declaration of Trust which are posted on the Website every now and then

 (the abovementioned bank(s) shall be referred to as the “Bank”);


[Bank Interest]
refers to any interests paid by the Bank in respect of the Bank Account;

[Cardholder] means the person who has signed on the back of the Gift Card and register as cardholder on the e-Cheque website;

[Declaration of Trust] means the Deed of Declaration of Trust executed by the Company in August 2019;

[Expiry Date] means the expiry date printed on the Gift Card;

[Hong Kong] means the Hong Kong Special Administrative Region;

[MasterCard] means MasterCard International Incorporated;

[UnionPay] means UnionPay International Co., Ltd.;

[Transaction] means the commodity transaction, either the purchase of goods and/or services by the use of Gift Card;

[Transaction Amount]
means the amount incurred in each Transaction;

[TransForex Electronic Traveller’s Cheque Gift Card] or [Gift Card]
means the prepaid card issued by the Company with designated numbers (for identification purpose), amount and currency stated on the card;

[TransForex Gift Card website] or [Gift Card website] or [Website] means the following website: http://www.transforex.hk or any other website as the Company may announced every now and then.


Unless the context states otherwise, the singular includes the plural and vice versa, and one gender represents all genders.


Article 2: Basic Features of Gift Card

1. Funds of Gift Card Account do not count as deposit with the Company. Funds of Gift Card Account are not stored in the physical Gift Card through electronic device, magnetic tape, optical method or any other methods, but in the Bank Account. The Company shall hold the funds (excluding Bank Interests) in the Bank Account on trust for Cardholders pursuant to the Declaration of Trust.

2. There is no interest payable to Cardholders on the balance of fund in Gift Card Account. All Bank Interests belong to the Company and the Company is entitled to withdraw the Bank Interests from the Bank Account at any time.

3. Cardholders agree to pay to the Company any fees, charges or expenses as set out in these Terms and Conditions, and hereby authorize the Company to withdraw these amounts of fees, charges or expenses from the fund of the Gift Card accordingly.

4. Cardholders agree to repay MasterCard and/or UnionPay any Transaction Amount incurred under their Gift Card pursuant to the record of the Company and/or MasterCard and/or UnionPay, and hereby authorize the Company to withdraw the Transaction Amount from the fund of the Gift Card and make payments to MasterCard and/or UnionPay whenever it is due and payable, as determined by MasterCard and/or UnionPay and/or the Company on its or their discretion.

5. Gift Cards are NOT replaceable, even after the Expiry Date.

6. The nature of Gift Card is similar to cash. In case of unauthorized usage or misuse by the Cardholder, the Company shall not refund the related Transaction Amount to the Cardholder nor be responsible for any loss or damage whatsoever or howsoever related to these Transactions.

7. Gift Card is for the expenditures by Cardholders only. To ensure this purpose, management fees will be charged if the Gift Card is not used for a certain period of time (please refer to Article 5 for details), and Cardholders shall bear these charges and authorize the Company to deduct these charges from the fund of the Gift Card.

8. Termination of Gift Card by the Company. The Company is entitled to terminate and cancel Gift Card at any time at its sole discretion without providing any reasons, by providing not less than 7 calendar days’ advance notice to Cardholders and returning any remaining funds (after deducting any Transaction Amounts, fees, charges and expenses payable under these Terms and Conditions) in the Gift Card Account to Cardholders. In the termination notice, the Company shall request Cardholders to provide their bank account information in Hong Kong within 90 calendar days. In the event that Cardholders fail to provide their bank account information within 90 calendar days, or the Company is not able or practicable to return the remaining fund to Cardholders within 90 calendar days from the date of the termination notice, the Company is entitled to deduct Expired / Terminated Account Management Fee (please refer to Article 5 for details) from any remaining funds in the Gift Card Account until the remaining funds become zero. Until then, the Company shall fully discharge its duty under these Terms and Conditions as well as the Declaration of Trust, and the Company shall not be liable for any loss or damage whatsoever or howsoever related to or in respect of Gift Card.


Article 3: How to Use Your Gift Card

1. MasterCard Gift Card can only be used at terminals with the MasterCard® logo; alternatively, UnionPay Gift Card can only be used at terminals with the UnionPay® logo, or other terminals published by the Company from time to time. Transactions will only be authorized by the Company when there are sufficient funds in the Gift Card Account for the Transaction, including any applicable fees. Transactions in foreign currencies will incur currency conversion fee (please refer to Article 5 for specific rates). Cardholders shall bear all these fees and authorize the Company to deduct these fees from the fund of the Gift Card.

2. At the time of Transaction, authorized Transaction Amount and the related fees will immediately be held up from the fund in the Gift Card Account. Once the Transaction is authorized, the Transaction cannot be terminated or cancelled, and Cardholders hereby authorize the Company to pay the Transaction Amount to MasterCard and/or UnionPay respectively.

3. Some merchants (including but not limited to hotels and restaurants) may deduct extra amount from Gift Card as tips. Cardholders hereby agree and authorize these deduction. If in doubt, please communicate directly with the merchants. The Company shall not be liable for any loss or damage whatsoever or howsoever related to these deductions.

4. Cardholders are not recommended to use Gift Card for pre-authorization, such as payment guarantee for deposits at hotels, cruise lines or car rental. These merchants may estimate the final bill and the amount will be temporarily held up from the Gift Card. Although only the actual amount of the final bill will be deducted from the Gift Card, it may take up to 30 days Transaction date before the amount is released for spending.

5. Redemption of Unspent Funds. If Cardholders surrender their Gift Card, the bearer of the Gift Card may redeem the balance in the Gift Card in person at TransForex Hong Kong office. However, the Company has the right to deduct any amount payable to MasterCard/ UnionPay and any amount owed to the Company. Other fees will also apply, please refer to Article 5 for details. Please note that only the bearer of the Gift Card can redeem the balance in the Gift Card. All lost or damaged Gift Cards will not be applicable for redemption.

6. Gift Card is for its Cardholder’s own use. Cardholders are responsible for all Transactions under the Gift Card. Gift Cards may not be used for accessing or purchasing from any pornography or gambling websites, and must not be used for illegal activities or purposes. Cardholders shall abide to all laws and regulations related to Gift Cards in Hong Kong and in the countries where the Gift Card is purchased or used (including all applicable foreign exchange regulations). If the Company suspects that Cardholders may be / are found to be in breach of any foregoing provisions, the Company has the right to suspend or terminate their Gift Cards and/or cease these Terms and Conditions.

7. Cardholders are obligated to log into the Website and verify all Transactions. If any unauthorized Transactions were found, Cardholders should inform our Customer Service Center within 60 days of the Transaction date. Failure to do so will be deemed as Cardholders’ approval in these Transactions, and Cardholders agree to bear all risks and liabilities of these Transactions.

8. No transfer of money is allowed in Gift Cards.

9. No cash withdrawal is allowed from Gift Cards.

10. As for the amount payable by Cardholders in accordance with these Terms and Conditions, the Company has the right to make deductions from the balance of any Gift Cards held by Cardholders without advance notice for late payment. If Cardholders discover any incorrect deductions, they should dispute these deductions with the Company immediately.


Article 4: How to Ensure Safety of Gift Card and PIN

1. Cardholders should sign their name on the back of the card upon receipt of their Gift Card. Once it is signed, it is non-transferable.

2. Cardholders should take all reasonable and feasible measures to ensure security of the Gift Card and other information of the Gift Card.

3. Cardholders should not allow others to use their Gift Card or other security information.

4. The Company may require Cardholders to provide detailed information of lost, stolen or inappropriately used Gift Card in writing and assist the Company and any law enforcement and administration authorities with investigation.

5. Cardholders are responsible for all unauthorized Transactions under their Gift Card, including but not limited to following situations: (a) Cardholders are engaged in fraudulent or dishonest events; (b) Cardholders fail to use Gift Card in accordance with these Terms and Conditions; (c) Cardholders fail to take reasonable measures to ensure security of their Gift Card.


Article 5: Fees and Transaction Limits

1.    Fees related to Gift Card

Products Rate Table

Products

Standards

Remark

UnionPay

(HKD Gift

Card)

UnionPay

(JPY Gift

Card)

MasterCard

(USD Gift

 Card)

MasterCard

(HKD Gift

 Card)

New Card Cost

20 HKD/Card

250 JPY/Card

2.5 USD/Card

20 HKD/Card


Top-up Limitation

From 500 HKD to 8000 HKD

From 10000 JPY to 100000 JPY

From 100 USD to 1000 USD

From 500 HKD to 8000 HKD


Cash Out Fee

1% of the card balance or minimum 50 HKD, whichever is higher

Redeem the balance with the Gift Card in person at TransForex Hong Kong office

New Card Fee (for damage/loss/renewal before expiration

NO report of loss, NO card replacement


Overseas Transaction Handling Fee

(on transaction amount)

1%

N/A

2%

2%

The two fees will not be charged at the same time

Foreign Currency Transaction Handling Fee

(on transaction amount)

1%

1.5%

2%

2%

ATM Cash Withdrawal Fee

Function not supported


ATM Balance Enquiry Fee

5 HKD/ transaction

Function not supported


Support Online Transaction or Not

No

Yes


Inactive Account Management Fee

15HKD/month

200JPY/month

2USD/month

15HKD/month

If there is no transaction in 6 consecutive months, deduction will be conducted in the 7th month

Expired Account Management Fee

10% of remaining balance or minimum 80 HKD

10% of remaining balance or

minimum 1000 JPY

10% of remaining balance or minimum 10 USD

10% of remaining balance or minimum 80 HKD

Only applicable to gift cards that exceed the effective date, and will not be charged with the account management fee at the same time

Detailed Transaction Record Fee

120 HKD/ transaction

1500 JPY/ transaction

15 USD/ transaction

120 HKD/ transaction


Card Expiration Date

Date printed on the card shall be prevail


Card Effective Date

Valid for 12 months since the top-up been made

Activated once top-up been made

*Gift Card is anonymous, functions as reporting for card loss /card replacement/second time top-up/ ATM withdrawals are not supported

The standard fees above merely represent the Company's charges for the items above, which do not include extra fees possibly charged by some merchants or the restrictions or limits established by them. The Company will adjust these standard fees from time to time. Please refer to the Website for the latest information.  Cardholders should bear the above fees and authorize the Company to deduct these fees from the fund of the Gift Card.

2. Secured Transaction Limit
To protect the Gift Card Account, the Company has applied restrictions over Transaction Amount and the frequency of Gift Card Transactions. For more information about security restrictions, please call our Customer Service Center.


Article 6: Relationship between Merchants and Cardholders

1. In the event that a merchant refuses to accept the Gift Card, the Company is not liable for any loss or damage whatsoever or howsoever related to the refusal.

2. Cardholders should handle all disputes in relation to Transactions directly with relevant merchants. Under no circumstances shall the Company be responsible or liable to any disputes in relation to Transactions.


Article 7: Collection of Personal Information

1. Through the purchase and/or usage of Gift Cards, Cardholders agree that the Company or the Company's service providers or agents may deal with information collected through Gift Card services under these Terms and Conditions, in accordance with the privacy policy of the Company.

2. The Company may provide information of Cardholders to third parties for the purpose of Gift Card service provision, product marketing and promotional activities, information analysis, anti-money laundering, crime investigation, adherence to laws and regulations, law enforcement and fraud prevention.

3. Personal information of Cardholders may be processed in other countries or regions outside the place of purchase, but the Company and all service providers or agents shall apply sufficient security measures to safeguard the personal information of Cardholders.

4. Cardholders have the right to opt out of direct marketing. If Cardholders do not opt out during application to signify their acceptance of the terms and conditions, they will normally be regarded as having indicated they have no objection (i.e. consent) to the use or transfer to third parties of their personal data for use in direct marketing. Cardholders agree that the Company may contact Cardholders for other related products and services provided by TransForex and other affiliated parties. If Cardholders do not wish to receive these information, they may contact the Company to express their consent at any time. Cardholders also agree that the Company may send information related to Gift Card functions or status to their mobile phone, including but not limited to alerts about insufficient balance and Expiry Date.
5. Cardholders may contact the Company for a copy of their personal information held by the Company in accordance with the privacy and other related policies.

6. To assist the Company in providing Gift Card services and improving service quality, telephone communications may be recorded and/or monitored. Cardholders hereby agree to these recording and/or monitoring.


Article 8: Amendments and Notifications

1. The Company may, at its discretion, change any of these Terms and Conditions with immediate effect by publishing the changes on the Website or through other ways deemed appropriate by the Company. The Changes affecting fees and charges and the liabilities or obligations of Cardholders will take effect 30 days after they are published. This clause does not apply to changes beyond the Company’s control.

2. The Company may, from time to time, publish up-to-date information related to Gift Cards (including information obliged to publish under these Terms and Conditions) via the Website.


Article 9: Indemnification Clause

1. The Company shall not be liable for any loss or damage whatsoever or howsoever related to Gift Cards, except when it is caused by gross negligence or willful default of the Company.

2. The Company does not have ownership of any sales terminals, or operate any sales terminals, The Company will not be liable for rejection of Gift Cards by sales terminals.


Article 10: Law and Jurisdiction

These Terms and Conditions are governed by and interpreted in accordance with the laws of Hong Kong. Cardholders irrevocably submit to non-exclusive jurisdiction of the court in Hong Kong.


Article 11: Miscellaneous

1. Should whole or part of any terms under these Terms and Conditions become illegal, invalid or unenforceable, other terms shall still be in force.

2. Should the Company fails to take action or omits or delays performance or implementation of any rights under these Terms and Conditions, the Company shall not be deemed to have surrendered those related rights. Single, partial or defective performance of any rights shall not prejudice further performance of those rights or any other rights.

3. These Terms and Conditions are written in both Chinese and English. Both are equally valid. Should there be any inconsistencies, the English version shall prevail.


Article 12: Contact Us

1. If Cardholders wish to know more about Gift Cards, please visit the Website.

2. If Cardholders have any further questions or opinions about Gift Cards, please contact the Company through the following methods:

E-mail : tce-inq@hnair.com
Customer service hotline: Outside Mainland China +86 (10) 9507 1998
Mainland China 9507 1998; Hong Kong 800 969 992