YINSHENG E-PAY SERVICES (HONGKONG) LIMITED Agreement

1. Confirmation of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED Agreement

2. Relevant definitions of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED

3. The service content provided by YINSHENG E-PAY SERVICES (HONGKONG) LIMITED

4. Registration, use and cancellation of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED account

5. Precautions for using YINSHENG E-PAY SERVICES (HONGKONG) LIMITED

6. User's commitment to legally use YINSHENG E-PAY SERVICES (HONGKONG) LIMITED

7. Protection of Rights and Interests and Privacy Protection

8. Force majeure, exemption and limitation of liability

9. Entire agreement

10. Protection of intellectual property rights

11. Application of Law and Jurisdiction

Thank you for choosing YINSHENG E-PAY SERVICES (HONGKONG) LIMITED . YINSHENG E-PAY SERVICES (HONGKONG) LIMITED Agreement (hereinafter referred to as this Agreement) is signed by YINSHENG E-PAY SERVICES (HONGKONG) LIMITED  Co., Ltd. (hereinafter referred to as YINSHENG E-PAY) and you.

1. Confirmation of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED Agreement

1. This agreement helps you understand the service content provided by YINSHENG E-PAY and your rights and obligations to use the service. Please read it carefully (especially the content marked in bold). If you have any questions about the terms of this agreement, you can consult through the YINSHENG E-PAY customer service channel (the online customer service of this website (defined below),  or call the customer service number 10108989).
2. If there is a change to this agreement, YINSHENG E-PAY will announce it in advance through the announcement on the www.ysepay.com website, and the changed agreement will take effect after the expiration of the announcement period. If you continue to use the YINSHENG E-PAY SERVICES (HONGKONG) LIMITED after the agreement becomes effective, it means that you accept the changed agreement and will also use the YINSHENG E-PAY SERVICES (HONGKONG) LIMITED in accordance with the changed agreement. In order to protect your rights and interests, you are obliged to pay attention to the website adjustment announcement in a timely manner. If you fail to pay attention to it in time, all losses caused by it will be borne by you.
3. If you are a person with no capacity for civil conduct or a person with limited capacity for civil conduct, please inform your guardian, and read this agreement and use YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s under the guidance of your guardian. If you are not a natural person, you confirm that your conclusion and performance of this agreement are not restricted by the laws and regulations of the country or region where you belong, reside or conduct business activities or other business.

2. Relevant definitions of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED

1. YINSHENG E-PAY account (or "account"): refers to the payment account obtained by you in accordance with the method provided by YINSHENG E-PAY and passed the identity verification of YINSHENG E-PAY, which allows you to use some or all of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s. Unless otherwise stipulated in this agreement, YINSHENG E-PAY account holders can use the balance service.
2. Identity elements: refers to the information elements used by YINSHENG E-PAY to identify you, including but not limited to your YINSHENG E-PAY account user name, password, digital certificate, SMS verification code, telephone number, mobile phone number, ID number And fingerprint information, face information, eye pattern information, etc.
3. This website: Unless otherwise specified in this agreement, it refers to www.ysepay.com and/or the Yinsheng Xiao Y Butler App client.
4. Authorities: Refers to units that have the right to request, freeze or withhold funds and other measures in accordance with laws and regulations, including but not limited to public security organs, procuratorates, courts, customs, and taxation authorities.
5. Freezing: Refers to the freezing requested by the competent authority. The frozen balance cannot be used for payment, withdrawal or transfer, etc., and the frozen account cannot be logged in or used.
6. Restriction: In addition to freezing, some or all functions of the YINSHENG E-PAY account cannot be used, and the account or account-related assets, account balance, and credit line provided by a third party cannot be used.
7. Stop payment: A kind of restrictive measures, which means that the balance of the YINSHENG E-PAY account cannot be used, such as payment, cash withdrawal or transfer.
8. Balance service: Refers to services such as recharge, consumption, collection, and transfer that can be used based on the balance of the YINSHENG E-PAY account. The amount of receipt and payment in the balance service will be in accordance with the "Administrative Measures for the Online Payment Business of Non-bank Payment Institutions" and other regulatory regulations.

3. The service content provided by YINSHENG E-PAY

YINSHENG E-PAY SERVICES (HONGKONG) LIMITED  is a non-bank payment institution payment service provided by YINSHENG E-PAY to you. It is a fund transfer service entrusted by you to collect or pay on your behalf. Among them, the collection and payment service refers to the service that YINSHENG E-PAY provides for you to collect or pay money on your behalf.
Through the collection service, you can receive the money paid to you by others. Specifically, it means that you entrust YINSHENG E-PAY to recharge the funds in your bank card to your YINSHENG E-PAY account or entrust YINSHENG E-PAY to collect the money from a third party on your behalf. The entire process from the time you pay the money to the time when all or part of the money is actually credited to your bank account or YINSHENG E-PAY account according to your instructions (including cash withdrawal).
Through the payment service, you can pay the money to the third party you designate. Payment on behalf refers specifically to the time when the payment is issued from your designated account (non-YINSHENG E-PAY account) to the time when YINSHENG E-PAY transfers all or part of the above-mentioned payment to the bank of a third party according to the instructions given by you or the authorized party. account or YINSHENG E-PAY account; or since you entrust YINSHENG E-PAY to recharge your bank card funds to your or other people’s YINSHENG E-PAY account according to this agreement, or since you entrust YINSHENG E-PAY to collect related From the time the money is credited to your YINSHENG E-PAY account to the time when YINSHENG E-PAY is entrusted to transfer all or part of the above-mentioned funds into the third party's bank account or YINSHENG E-PAY account according to the instructions given by you or the authorized party the whole process.
After YINSHENG E-PAY collects and pays on behalf of others, the order is irrevocable unless it is subject to legal procedures or not in accordance with the agreement.
The functions of the collection and payment service are as follows:
1. Recharge, you can recharge the funds in your bank card to your YINSHENG E-PAY account.
2. For cash withdrawal, you can transfer the balance in your YINSHENG E-PAY account to the bank account in mainland China that can receive the money under your name. Except for frozen, stopped payment or other restricted funds, YINSHENG E-PAY will remit the corresponding funds to the bank account within a reasonable time after receiving the cash withdrawal instruction. In addition, withdrawals may be subject to risk review, which may result in delays in withdrawals.
3. Transfer money,You can use the YINSHENG E-PAY SERVICES (HONGKONG) LIMITED  to entrust YINSHENG E-PAY to transfer the money to the payee's YINSHENG E-PAY account or bank account. The use of transfer services is based on your full understanding of the payee (including but not limited to the real identity of the payee and the accurate account name of the payee), please carefully check the payee information to avoid loss.

4. Registration, use and cancellation of YINSHENG E-PAY account

(1) Registration
1. After you complete the registration and activation of your YINSHENG E-PAY account, you can use some YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s; you can further apply and use more services after passing the verification of YINSHENG E-PAY. The specific verification method is subject to the prompts on this website page.
2. The nickname, avatar, etc. you set in your account or account must abide by laws and regulations, public order and good customs, and social morality, and will not infringe the legitimate rights and interests of other third parties, otherwise YINSHENG E-PAY may cancel your nickname, avatar, etc.
(2) Using
the identity element is the basis for Yinsheng Pay to identify you, please keep it safe. Any operation or instruction issued using identity elements shall be deemed to be done by you. If your account, password and other information are fraudulently used, stolen or illegally used due to your reasons, all risks, responsibilities, losses, expenses, etc. arising therefrom shall be borne by you. You agree that:
1. Based on different terminals and your usage habits, we may take different verification measures to identify you. For example, when you log in to your Banner account on a new device for the first time, we may use a password plus a verification code to identify you.
2. To ensure the safety of your funds, please set the password of your mobile phone and other devices to be different from the password of your YINSHENG E-PAY account. If you find that someone else has fraudulently used or stolen your account and password, or your mobile phone or other related equipment is lost, please immediately notify YINSHENG E-PAY in an effective manner; you can also apply to YINSHENG E-PAY to suspend or stop YINSHENG E-PAY Pay for services. At the end of your continuous login to the Yinsheng website, please log out of the website with the correct steps. You understand that it takes reasonable time for YINSHENG E-PAY to take action on your request. If YINSHENG E-PAY fails to take effective measures within a reasonable time, resulting in the expansion of your losses, YINSHENG E-PAY will be responsible for the expanded loss, but YINSHENG E-PAY No liability is assumed for instructions executed prior to action being taken.
3. The YINSHENG E-PAY account is only for your own use, and cannot be transferred, borrowed, gifted, or inherited, but the relevant property rights in the YINSHENG E-PAY account can be inherited according to law.
4. Based on the needs of operation and transaction security, YINSHENG E-PAY may suspend or restrict some functions of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED , or add new functions.
5. In order to maintain a good network environment, YINSHENG E-PAY sometimes needs to know the real background and purpose of your use of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s. If YINSHENG E-PAY requires you to provide relevant information or materials, please cooperate to provide them.
6. For your transaction security, when you use YINSHENG E-PAY SERVICES (HONGKONG) LIMITED , please judge whether the counterparty has full capacity for civil conduct and carefully decide whether to use YINSHENG E-PAY SERVICES (HONGKONG) LIMITED  to conduct transactions with the counterparty.
7. For all transactions that you have made through Yinsheng, since you have authorized Yinsheng to handle them in accordance with its service agreement and rules and regulations, including your irrevocable authorization that YINSHENG E-PAY can pay all or part of the disputed amount to the transaction One or both parties, and YINSHENG E-PAY can provide your relevant information (including but not limited to transaction product description, logistics information, behavior information, account-related information, etc.) to the parties involved in the dispute. YINSHENG E-PAY is not responsible for the transaction or payment dispute between you and a third party, unless the dispute is caused by the problem of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED  itself.
(3) Cancellation
When you need to terminate the use of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s, you can apply for cancellation of your YINSHENG E-PAY account if you meet the following conditions:
1. You can only apply for cancellation of your own account, and follow the procedures of YINSHENG E-PAY log out.
2. You can apply for account cancellation through self-service or manual methods, but if you use the security product provided by YINSHENG E-PAY, please apply for cancellation under the security product environment.
3. The account you applied for cancellation is in a normal state, that is, your account information is up-to-date, complete and correct, and the account has not been subject to payment suspension, freezing or other restrictive measures. If the YINSHENG E-PAY account you apply for cancellation is associated with a YINSHENG E-PAY account or a sub-YINSHENG E-PAY account, you can only cancel the account after the associated YINSHENG E-PAY account or sub-YINSHENG E-PAY account is cancelled.
4. In order to protect the legitimate interests of you and other users, the account you apply for cancellation should have no unsettled rights and obligations or other disputes arising from the cancellation of the account, no unfinished transactions, no balance and other assets.
5. In order to prevent resource occupation, if you have not used your YINSHENG E-PAY account for 12 consecutive months, YINSHENG E-PAY can cancel the account, and you will no longer be able to use the YINSHENG E-PAY account. If the account or the account is associated with sub-accounts, pending transactions or balances, YINSHENG E-PAY will assist you in handling them. Please follow the method prompted by YINSHENG E-PAY.
6. If you commit fraud on the website of YINSHENG E-PAY and/or its affiliated companies, publish or sell fake and inferior products, infringe on the legal rights of others or other serious violations of the website rules of YINSHENG E-PAY and/or its affiliated companies, YINSHENG E-PAY may By canceling the account under your name, you will no longer be able to use the account. And YINSHENG E-PAY will synchronize your violation of the aforementioned agreement to the website of YINSHENG E-PAY's affiliated company.
7. After the account of YINSHENG E-PAY is canceled, you will not be able to use any services of YINSHENG E-PAY, and the rights and obligations of both parties will be terminated (except that this agreement cannot be terminated otherwise or cannot be terminated according to its nature), and the following results may also occur :
(1) Any redemption codes or coupons will be invalid.
(2) You should still be responsible for your actions before canceling your account and during the period of using YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s, including but not limited to possible breach of contract, damages and performance obligations, and YINSHENG E-PAY can still save your cancellation. previous information.
(3) Once the cancellation is successful, account records, account functions, etc. will not be restored or provided.

5. Precautions for using YINSHENG E-PAY SERVICES (HONGKONG) LIMITED

In order to effectively protect your legitimate rights and interests when using YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s, YINSHENG E-PAY reminds you to pay attention to the following:
(1) Identity verification
1. During the process of registering and using YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s, please provide legal, authentic, Valid and complete information (including but not limited to ID card, account book, passport, business license, account opening permit, contact information, occupation, mailing address). In order to notify you of changes in account funds in a timely manner and to better protect your account security, if such information changes, please notify YINSHENG E-PAY in time. In order to verify your information (including but not limited to identity information and account information) in a timely and effective manner, you agree that we may provide your information to a third party in accordance with laws, regulations and regulatory requirements or when YINSHENG E-PAY deems it necessary. A third party can provide your information to YINSHENG E-PAY for verification by YINSHENG E-PAY. You should ensure that the email address or mobile phone number bound to the YINSHENG E-PAY account is held by yourself. If you occupy someone else's email address or mobile phone number, in order to avoid inconvenience to the email address or mobile phone number holder or Adverse effects, and for the safety of your funds, YINSHENG E-PAY may delete the email or mobile phone number from your account and disassociate it.
2. If you are an individual user, please actively cooperate with YINSHENG E-PAY to check your valid ID card or other necessary documents, keep the color scanned copy of your valid ID card, and complete the relevant identification required by YINSHENG E-PAY Verification:
(1) You recharge, receive or pay a single transaction of more than RMB 5,000 or the foreign currency equivalent of more than US$500; (2) The
total amount of recharge, collection and payment within 30 days of all YINSHENG E-PAY accounts under your name The accumulative amount exceeds RMB 50,000 or the equivalent of USD 10,000 in foreign currency; (
3) The balance of all YINSHENG E-PAY accounts under your name exceeds RMB 5,000 or the equivalent of USD 500 in foreign currency for 10 consecutive days; (5) You purchase a registered prepaid card
from YINSHENG E-PAY
or recharge a registered prepaid card;
(6) You purchase a bearer prepaid card for more than RMB 5,000 at one time, or accumulatively recharge your YINSHENG E-PAY account through a bearer prepaid card for more than RMB 5,000; (7) You request to change your identity information or your identity information has
expired
(8) YINSHENG E-PAY believes that your transaction behavior or transaction situation is abnormal;
(9) YINSHENG E-PAY believes that your identity information or related materials are suspicious or YINSHENG E-PAY believes that you are in the process of providing services to you . There are doubts about the identity information or related materials that have been provided;
(10) Other circumstances that Yinsheng Pay believes should check or retain your identity card or other necessary documents. The "above" mentioned in this article includes the original number.
3. In order to meet the requirements of relevant regulatory regulations, you agree to provide your identity information in accordance with the requirements of Yinsheng Pay and the time of notification to complete identity verification, otherwise you may not be able to receive money, withdraw cash, pay the balance, purchase wealth management products, etc. , and YINSHENG E-PAY may stop the payment of your account balance or cancel your account.
(2) In the event of the following circumstances, YINSHENG E-PAY will suspend or terminate the provision of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s for your YINSHENG E-PAY account, or stop the payment of the balance, and has the right to restrict the product or service functions you use (including but It is not limited to taking restrictive measures such as stopping payments, canceling transactions, and adjusting accounts for funds and in-transit transactions under these accounts):
(1) You have violated the provisions of this agreement;
(2) According to the provisions of laws, regulations and legal documents;
( 3) According to the requirements of the competent authority;
(4) When there are abnormalities in your account operations and capital flows; your account may be at risk
; Inconsistency in credit and transaction content or cheating violates the rules of the activity and the principle of good faith;
(6) Others wrongly transfer funds to your YINSHENG E-PAY account, etc., which may lead to improper profits for you;
(7) You are complained by others , and the other party has provided certain evidence;
(8) You may have mistakenly operated another person's YINSHENG E-PAY account, or verified the identity of another person's account.
In addition to the circumstances specified in (2) and (3), if you apply for resuming the service or lifting the above suspension or restriction, please provide us with relevant information and identification documents, so that YINSHENG E-PAY can verify.
(3) YINSHENG E-PAY SERVICES (HONGKONG) LIMITED  Rules
1. In order to provide you with a good payment experience, you understand and agree that YINSHENG E-PAY can provide you with YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s according to your payment habits or the settings recommended by YINSHENG E-PAY. Sort the payment channels according to your payment habit 
2. When you use the way of taking a code or using "face-to-face payment" to pay, you can complete the payment within a certain amount without entering a password. At the same time, if you are shopping outside mainland China, in order to facilitate your tax refund, YINSHENG E-PAY needs to synchronize the mobile phone number bound to your account to the relevant merchant , so that the merchant can assist you with tax refunds.
3. The receiving and payment limit you can use in the YINSHENG E-PAY SERVICES (HONGKONG) LIMITED  may vary depending on the country/region where you use the payment service, regulatory requirements, payment scenarios, bank limit control, YINSHENG E-PAY risk control, identity element verification, etc. The reasons vary. For the specific amount, please refer to the prompts or announcements on this website.
4. You agree that the use records and transaction data of the YINSHENG E-PAY account are subject to the records of the YINSHENG E-PAY system. If you have any objection to such data, you can lodge an objection with YINSHENG E-PAY in time, and provide relevant evidence for verification by YINSHENG E-PAY.
5. If you use the withholding service of YINSHENG E-PAY, any of the following situations will lead to unsuccessful deduction:
(1) The balance of the account you designate is insufficient;
(2) The account you designate has been suspended or frozen or other measures to limit the use of authority;
(3) Exceeding the payment amount stipulated by the supervisory department, YINSHENG E-PAY or the bank.
6. For your non-personal privacy information such as text, pictures, video, audio and other non-personal privacy information you provide and publish, during the copyright protection period, you grant YINSHENG E-PAY and its affiliates free of charge the right to obtain a global exclusive license and sublicense to other third parties. . You agree that YINSHENG E-PAY and its affiliated companies store, use, copy, revise, edit, publish, display, translate, distribute your non-personal privacy information or make derivative works, and use known or future developed forms, media or Technology incorporates the above information into other works.
7. During your use of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED , the content of this agreement, the prompts about operations appearing on the webpage or the information content sent by YINSHENG E-PAY to the mobile phone are the relevant rules for your use of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED .
8. YINSHENG E-PAY will send you notifications by means of website announcements, emails, text messages, telephone calls, site messages or client notifications, such as notifying you of transaction progress, or prompting you to perform relevant operations, please pay attention in time .
9. You should bear the risks of any currency depreciation, exchange rate fluctuations and loss of income during the period of your use of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s. You only pay on behalf of YINSHENG E-PAY (excluding frozen, stopped payments or other restricted payments) You have the right to pay and withdraw such funds within the amount of ), and any income (including but not limited to interest and other fruits) generated by you from all collection and payment (including frozen, stopped or restricted funds) information) have no rights. YINSHENG E-PAY has the ownership of any income (including but not limited to interest and other fruits) generated by the collection and payment.
(4) Commitment and statement of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED
1. YINSHENG E-PAY is not a bank, and the transfer of funds involved in this agreement is realized through the bank, and you accept the reasonable time when the funds are transferred.
2. You understand that, based on relevant laws and regulations, YINSHENG E-PAY does not provide any guarantee for any service under this agreement.
3. YINSHENG E-PAY will manage the money you entrust YINSHENG E-PAY to collect or pay on behalf of you in strict accordance with laws and regulations or the regulatory requirements of competent authorities.YINSHENG E-PAY reminds you that the fund balance recorded in the YINSHENG E-PAY account is different from your own bank deposits, and is not protected by the "Deposit Insurance Regulations". value. Although the monetary funds corresponding to the prepaid value belong to you, they are not deposited in the bank in your own name, but are deposited in the bank in the name of YINSHENG E-PAY, and YINSHENG E-PAY initiates a fund transfer instruction to the bank.
(V) Trading Risk Reminder
1. When using YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s, if you or your counterparty do not comply with this agreement or the operation prompts and rules in the relevant website instructions, transaction and payment pages, YINSHENG E-PAY has the right to refuse to provide services for you and the counterparty. And YINSHENG E-PAY shall not be liable for damages. If the above situation occurs and the payment has been credited to your YINSHENG E-PAY account first, you agree that YINSHENG E-PAY has the right to directly deduct the corresponding payment from the relevant account and/or prohibit you from requesting the payment of the payment.
2. When you use YINSHENG E-PAY SERVICES (HONGKONG) LIMITED  to purchase financial products, for your benefit, it is recommended that you carefully read the agreement and page prompts of financial products, confirm the sales organization and product information, and carefully evaluate the risks before purchasing.
3. Due to the immature domestic and international e-commerce environment, the e-commerce legal system and credit system are not yet perfect, therefore, there are certain risks in your e-commerce business. You have fully understood and agreed to bear the following risks in cooperation: including but not limited to criminals stealing other people's bank cards to conduct transactions through the Internet, cardholders denying transactions or refusing to pay, information delays or omissions caused by network failures, computer viruses, Merchant economic losses caused by hacker attacks, etc.
4. You should actively prevent the risk of bank card holders' refusal to pay, and solve problems in customer service in a timely manner. In the event of transactions including but not limited to untrue transactions, fraud, card theft, counterfeit transactions, cardholders’ denial of transactions, cardholders’ refusal to pay, cardholder account information leakage or errors, your violation of national laws and regulations, If you cause losses to YINSHENG E-PAY or consumers due to policies or laws, violation of commitments to consumers, violation of agreements with YINSHENG E-PAY, etc., you should resolve the claims and other disputes caused by the above situations by yourself; if you fail to resolve them, YINSHENG E-PAY has the right to suspend the agreement and directly deduct an amount equal to the loss amount from your deposit or YINSHENG E-PAY account or your pending settlement amount. If it is still not enough to compensate, YINSHENG E-PAY can continue to pursue compensation from you.
5. In the process of payment transactions, you should strictly abide by the relevant policies and regulations of the People's Bank of China on online banking and credit card transactions, and you must not engage in false transactions, illegal cash out, money laundering, etc.
(6) Service Fees
When you use YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s, YINSHENG E-PAY has the right to charge you service fees (including but not limited to terminal service fees and traffic fees) in accordance with the YINSHENG E-PAY SERVICES (HONGKONG) LIMITED  Charging Rules. YINSHENG E-PAY has the right to formulate and adjust the service fee. The specific service fee is subject to the announcement of the charging method listed on this website or product page when you use YINSHENG E-PAY SERVICES (HONGKONG) LIMITED  or other written agreement reached between you and YINSHENG E-PAY. Knowing and agreeing that the notification by YINSHENG E-PAY in any of the above ways is an effective notification. In order to protect your rights and interests, you are obliged to pay attention to the website adjustment announcement in a timely manner. Unless otherwise specified or agreed, you agree that YINSHENG E-PAY has the right to directly deduct the above-mentioned service fees from the money you entrust YINSHENG E-PAY to collect or pay on behalf of, or the balance of any of your YINSHENG E-PAY accounts or other assets.
(VII) Integral Points
1. Regarding the points awarded to you by YINSHENG E-PAY during your use of YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s, no matter how the points are obtained, you shall not use the points to exchange for any cash or money.
2. Points are not property of your ownership, and YINSHENG E-PAY has the right to unilaterally adjust the value of points or adjust the points rules of YINSHENG E-PAY.
3. You are only entitled to exchange the earned points for the designated services or products provided by YINSHENG E-PAY according to the points rules of YINSHENG E-PAY.
4. If Yinsheng Pay has reasonable grounds to suspect that there is fraud, abuse or other behavior that Yinsheng Pay deems inappropriate in obtaining and/or using your points, Yinsheng Pay may cancel, limit or terminate your points or points at any time use.

6. User's commitment to legally use YINSHENG E-PAY SERVICES (HONGKONG) LIMITED

1. You shall abide by the relevant laws and regulations of the People's Republic of China and the laws and regulations of the country or region where you belong, live or carry out business activities or other businesses, and shall not use YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s for any illegal purposes (including for prohibited or restricted transactions of traded items
), nor use YINSHENG E-PAY SERVICES (HONGKONG) LIMITED  in any illegal way. payment services, and you shall bear all relevant legal responsibilities, and you shall be liable for compensation for damages to YINSHENG E-PAY or YINSHENG E-PAY's employees or other parties as a result.
3. Circumstances in which the above 1 and 2 apply include but are not limited to:
(1) Infringement of others’ legitimate rights and interests such as reputation, privacy, trade secrets, trademarks, copyrights, and patents.
(2) Violation of statutory or agreed confidentiality obligations.
(3) Using YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s in the name of others.
(4) Engaging in illegal transactions, such as money laundering, terrorist financing, gun trafficking, drugs, prohibited drugs, pirated software, pornographic items, and other items that YINSHENG E-PAY believes should not be traded using YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s, etc.
(5) Provide gambling information or induce others to participate in gambling in any way.
(6) Using other people's bank cards without authorization, or using credit cards to withdraw cash (hereinafter referred to as "cash out").
(7) Carry out transactions that are inconsistent with the content of the transactions claimed by you or the counterparty, or transactions that are not true.
(8) Engage in any behavior that may infringe on the YINSHENG E-PAY SERVICES (HONGKONG) LIMITED  system and data.
4. You understand that YINSHENG E-PAY SERVICES (HONGKONG) LIMITED  depends on the accurate operation and operation of the system. In the event of system errors, malfunctions or display errors caused by other reasons, or you or YINSHENG E-PAY make improper profits, you agree that YINSHENG E-PAY can take appropriate corrective measures such as correcting errors and deducting payments.

7. Protection of Rights and Interests and Privacy Protection

1. Commitment to protection of customer rights and interests
YINSHENG E-PAY has always been adhering to the principle of "customer first", and strives to bring you small and beautiful changes. In order to protect your legitimate rights and interests when using the service, YINSHENG E-PAY promises to protect your rights and interests in accordance with the laws and regulations of mainland China.
2. User Fund Protection
Yinsheng Pay always attaches great importance to protecting the user's fund security, stores its own funds and user funds separately, and promises not to misappropriate or occupy user funds. In the process of using YINSHENG E-PAY SERVICES (HONGKONG) LIMITED , if your YINSHENG E-PAY account is stolen and causes fund loss, with the consent of YINSHENG E-PAY, you can authorize YINSHENG E-PAY to claim compensation from the relevant third party or compensation agency on your behalf. Unless otherwise agreed between you and YINSHENG E-PAY Company.
3. Privacy Protection
Yinsheng Pay attaches great importance to the protection of user privacy. Your identity information and other specific information are protected and regulated by law.

8. Force majeure, exemption and limitation of liability

(1) Disclaimer Clause YINSHENG E-PAY is not responsible for the failure of YINSHENG E-PAY to provide services
due to the following reasons:
1. YINSHENG E-PAY system is shut down for maintenance or upgrade;
2. Due to typhoon, earthquake, flood, lightning or terrorist attack, etc. Causes of force majeure;
3. The user's computer software and hardware, communication lines, and power supply lines fail;
4. The user improperly operates or uses YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s in a way that is not authorized or approved by YINSHENG E-PAY;
5. Due to viruses, Trojan horses, Malicious program attack, network congestion, system instability, system or equipment failure, communication failure, power failure, bank reasons, third-party service defects or government actions and other reasons.
Notwithstanding the agreement in the preceding paragraph, YINSHENG E-PAY will take reasonable actions to actively restore the service to normal.
(2) The scope and limitation of liability of YINSHENG E-PAY
1. The user information of YINSHENG E-PAY is provided by the user himself, and YINSHENG E-PAY cannot guarantee the accuracy, timeliness and completeness of the information.
2. YINSHENG E-PAY may provide YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s for you and your (transaction) counterparty at the same time. You agree to expressly exempt any actual or potential conflict of interest from such behaviors that YINSHENG E-PAY may have, and you shall not use this To claim that YINSHENG E-PAY has legal flaws in providing YINSHENG E-PAY SERVICES (HONGKONG) LIMITED s.

9. Entire agreement

This agreement is composed of the terms of "YINSHENG E-PAY SERVICES (HONGKONG) LIMITED  Agreement", "YINSHENG E-PAY Network Payment Service Agreement" and various rules announced from time to time by YINSHENG E-PAY's official website and APP. There are provisions in each rule, but there is no agreement in the terms of this agreement. , subject to the provisions of the rules. If part of the content of this agreement is found to be illegal or invalid by a court of competent jurisdiction, this does not affect the validity of other content.

10. Protection of intellectual property rights

1. All systems of YINSHENG E-PAY and its affiliated companies and all content on this website, including but not limited to works, pictures, files, information, materials, website structure, arrangement of website screens, and web page design, are all provided by YINSHENG E-PAY or YINSHENG E-PAY affiliates legally own their intellectual property rights, including but not limited to trademark rights, patent rights, copyrights, trade secrets, etc.
2. Without the written consent of YINSHENG E-PAY or YINSHENG E-PAY's affiliated companies, no one may use, modify, decompile, reproduce, publicly disseminate, change, distribute, issue or publicly publish the program or content of this website.
3. It is your duty to respect intellectual property rights. If there is any violation, you shall be liable for damages.

11. Application of Law and Jurisdiction

The validity, interpretation, modification, execution and dispute resolution of this agreement shall be governed by the laws of the People's Republic of China. All disputes arising from this agreement shall be handled in accordance with the laws of the People's Republic of China, and shall be under the jurisdiction of the People's Court of Longhua District, Shenzhen.