Notandaskilmálar WeChat Pay

Afrit af skilmálum Wechat Pay. Nýjustu útgáfu má finna hér

ENGLISH TRANSLATION FOR REFERENCE ONLY. In the event of any conflict between this translation and the original Chinese version, the Chinese version shall prevail.

Important Reminder:

Tenpay Payment Technology Co., Ltd. (for ease of understanding, hereinafter referred to as “the Company”) provides WeChat Pay service for users (hereinafter referred to as “you”) in accordance with this agreement. This agreement is legally binding on you and the Company.

Since WeChat Pay service is a service provided by the Company via WeChat and WeChat public platform, when you use the Service, you would also need to use WeChat or Weixin software service, so you should read and comply with Tencent Weixin Software License and Service Agreement.

Since WeChat Pay service is a service provided by the Company via WeChat and WeChat public platform, when you use the Service, you would also need to use WeChat or Weixin software service, so you should read and comply with Tencent Weixin Software License and Service Agreement.

1. The Service

1.1 WeChat Pay service refers to the money transfer service provide by the Company for the recipient and the payer via WeChat and WeChat public platform (hereinafter referred to as “the Service”).

1.2 The Service includes two types of payment service: Balance Payment and Quick Payment.

1.2.1 Balance Payment refers to the payment method via which you would transfer funds using the balance in the payment account that the Company has set up for you. You acknowledge and agree that when the Company sets up a payment account for you, the Company will link your WeChat account to the newly set up payment account so that you can use the payment account through WeChat’s “Change” function (hereinafter, “Change,” referring to the payment account, which is the same as the Tenpay account referred to in the Tenpay Service Agreement). You have the right to use the balance in Change for spending and transferring. If there is not enough balance, you should enable Quick Payment first and use it to top up Change. You can also increase the balance in Change by accepting transfers from others.

1.2.2 Quick Payment refers to the payment method via which you would delegate the Company to directly deduct and collect funds from your bank account. Quick Payment can be used for topping up the balance in Change, for spending, transferring, and other purposes. If you need to use Quick Payment on the WeChat app, you should enter, on the “Add bank card” page of the WeChat app, your real name, ID number, bank card number, expiration date (required for credit card holder), and the cellphone number linked to the bank account. You will be able to use Quick Payment after the aforementioned information is verified by the Company and your bank. You have acknowledged and agreed that if you are unable to use the Service normally because your bank account’s function, limits, type, or other attributes have changed, or that your bank account has been closed or merged, you will consult with the bank to solve the problem and promptly notify the Company. The Company can provide necessary support and coordination.

1.3 You understand and agree that the above procedures of the Service may be adjusted due to changes in applicable scenarios and continuation of certain functions. Therefore, the actual procedures provided by the Company shall prevail.

1.4 In order to meet the requirements of national laws and regulations regarding operations of non-bank payment institutions, you authorize the Company to inquire and verify your identity information, account information, and foreign currency purchase quotas with state agencies, financial institutions, enterprises and institutions.

1.5 You understand and agree that the Company has the right to revise the content of this agreement according to the needs of business operations adjustments, and publish in advance the latest service agreement on the Company’s website or on the WeChat app. You should pay attention to and understand the latest service agreement released by the Company.

1.6 You are aware that the balance of funds tracked by Change is different from that of your own bank deposit account, is not protected by the Deposit Insurance Regulation, and is essentially the prepaid value that you have entrusted Tenpay to keep and is attributable to you. The fund corresponding to this prepaid value belongs to you, but is not deposited with the bank under your name. Rather, such fund is deposited with the bank under the name of Tenpay, and the fund transfer instruction to the bank shall be initiated by Tenpay.

2. Account and Information Security

2.1 You should personally set up the login password and payment password for your WeChat account and keep them properly. Your WeChat account will be linked to the payment account configured by the Company and cannot be used alone for payment. If your WeChat account is closed, the payment account linked to it will also be closed, as a result of which you will no longer be able to use the Service via your WeChat account. In order to meet the requirements under relevant laws and regulations and to use the core functions of the Service, you need to submit your name, ID number, cellphone number, bank card information and other information. You authorize the Company to save your name, ID number, cellphone number, bank card number, transaction orders, transaction records and other information within the scope prescribed by law in order for the Company to continuously provide and promote quality services to you. You agree that:

2.1.1 You should provide and update timely your information in accordance with the Company’s requirements. If the information you provide is false, inaccurate, outdated or incomplete, the Company has the right to suspend or terminate the provision of some or all of the Service to you.

2.1.2 You should provide and update accurate contact information so that the Company can contact you in a timely and effective manner. While using the Service, you should bear any unfavorable consequences that are caused by the Company’s failure to contact you using such contact information.

2.1.3 You should update your identity information and related materials in a timely manner. If you do not update in time and, consequently, the Service becomes unavailable or your WeChat Pay account is fraudulently used by others, you should be responsible accordingly.

2.1.4 If you are an individual user, you confirm that, in any of the following events, the Company has the right to request verification of your valid ID and/or other necessary documents, to keep a scanned copy of your valid ID, and to complete relevant authentication as required by the Company. You should actively cooperate, otherwise the Company has the right to limit or to stop providing to you part or all of the Service:

A. You top up, receive or pay a single amount exceeding RMB10,000 or a single amount in foreign currency exceeding the equivalence of USD1,000;

B. The total amount that has been topped up, received, or paid within 30 days under all of your WeChat Pay accounts exceeds RMB50,000, or, if in foreign currency, exceeds the equivalence of USD10,000;

C. The total balance of all of your WeChat Pay accounts exceeds RMB 5,000 or, if in foreign currency, exceeds the equivalence of USD1,000 for 10 consecutive days;

D. You use the Service to buy or sell financial products or services;

E. The Company believes that your identity information or related information is suspicious, or that your trading behaviors or trading conditions are abnormal;

F. The Company believes that other circumstances have arisen that it becomes necessary to verify or retain your identification documents.

The terms “exceeds” and “exceeding” as used in this article shall be read to mean “exceeds or is equal to” and “exceeding or equal to,” respectively.

2.1.5 If the Company requires you to supplement any identity information or related information under the requirements of national laws and regulations, rules by government departments or regulatory agencies, and if you cannot provide such information in time, the Company has the right to suspend or terminate the provision of some or all of the Service to you.

2.1.6 The name, nickname and profile picture you set up in your WeChat Pay account must comply with the relevant laws and regulations, public order, good customs, and social morality, and will not infringe on the legitimate rights and interests of third parties. Otherwise, the Company has the right to take restrictive measures on your WeChat Pay account, including but not limited to blocking and revoking the name, nickname and profile picture of your WeChat Pay account and stopping providing some or all of the Service.

2.2 You should keep the following information, materials and hardware devices properly:

(1) Bank card, password, CVV code, expiration date, and other card information;

(2) WeChat account and login password;

(3) WeChat Pay password and gesture password;

(4) Information related to cellphone and other mobile devices and SIM card information, QR code (bar code) information;

(5) Biometric identification information such as fingerprint information, iris recognition information, face recognition information, and voiceprint information.

You should keep the aforementioned information, materials and hardware devices properly, and ensure that your mobile devices such as your cellphone are operated and used in a safe, virus-free, uninvaded, unmonitored, uncontrolled environment. If you have leaked any of the aforementioned information or materials or lose any of the aforementioned devices, you shall bear the consequent risks and losses.

2.3 When any of the following situations occurs, you should promptly contact the Company’s customer service department to minimize any potential losses:**

(1) You have accidentally lost or leaked the information listed in Article 2.2 of this agreement;

(2) You have lost your cellphone or other mobile devices or your SIM card;

(3) You have left the cellphone number of another person while opening your bank account;

(4) Third parties have fraudulently used or stolen your identity information or account information;

(5) Any other use of your WeChat account, the service or your bank account without your legal authorization has occurred.

If any of the situations above occurs, please call our customer service number 95017 promptly.

If you fail to notify the Company in a timely manner, you shall be liable for any losses incurred thereby, unless the Company has been acting intentionally or with gross negligence.

2.4 The Company has the right to adjust the quantities, types, limits and functions of your payment accounts in accordance with national laws and regulations, rules, industry specifications, regulatory policies, and other requirements. The adjustment will be made in consistency with risk management of your payment account. If you have applied for adjustment under relevant regulations and the review has been approved, the approved adjustment shall prevail.

3. Functions of the Service

3.1 Consumption

You can use the Service to purchase goods and services from merchants, and the Company will deduct the corresponding funds from your Change or linked bank account and transfer the funds to the merchant account according to your or the merchant’s trading instruction.

3.2 Transfer/Receipt

Transfer: You can use the Service to transfer funds to your designated payee. The Company will deduct the corresponding funds from your Change or the linked bank account and transfer the funds to the payee’s WeChat Pay account or bank account.

Receipt: You can also receive funds transferred from others by using the Service. The Company can transfer the funds to your Change. You can also transfer the funds within the limits of your Change balance to your linked bank account. The Company can also transfer the balance in Change directly to your linked bank account under relevant laws or under this agreement.

Implementation: The Company implements the transfer and receipt functions through “WeChat Red Envelope,” “Transfer,” “Transfer to Bank Card,” “AA receipt,” and “face to face collection” in the WeChat app.

3.3 Payment to Merchant

In order to facilitate your use of small-amount payment service, you shall provide your QR code (barcode) information to the merchant. After the merchant obtains your QR code (barcode) information, you can complete the payment without entering payment password or SMS verification code for transactions under a certain amount limit (the Company will follow relevant regulations, taking into consideration your own preference and your transaction risk in adjusting the amount limit). By opening and using this function, you are deemed to have agreed to have and authorized the Company to transfer the transaction funds from your Change or bank account to the merchant account without verifying your payment password, SMS verification code and other information.

3.4 Password-Free Payment

In order to facilitate your use of small-amount payment service, when you first activate this function on the corresponding page, after you have entered the payment password and make authorization and confirmation to the Company, the Company shall have the right to directly deduct the corresponding funds from your Change or bank account, following the merchant’s instruction. When you use this function the second time, if the transaction is under a certain amount limit, the Company will not need to verify your payment password, SMS verification code and other information to transfer funds from your Change or bank account to the merchant’s account. If you want to cancel the deduction authorization to the Company, you should complete the cancellation on the WeChat app before the deduction instruction is carried out. Otherwise, the Company has the right to directly deduct the payment amount according to the merchant’s deduction instruction.

3.5 Inquiry

The Company will record the transaction status of your use of the Service. You can check the transaction history on the WeChat app.

3.6 Linking/Unlinking Bank Cards

You can link a new bank account, bank card, or unlink bank account or bank card on the WeChat app.

3.7 Editing/Resetting Password

You can edit the original password or reset the password by providing bank card and personal information.

3.8 Refund

If you apply for a refund related to a WeChat Pay transaction, after the refund is successful, the Company can refund the money directly to your linked bank card or Change.

3.9 Top-up and Withdrawal

Top-up: You can transfer funds from your linked bank account to your Change account.

Withdrawal: You can transfer the funds in your Change account to your linked bank account.

3.10 Valet Purchase Function

If you purchase overseas goods using the Service, the Company will, under your payment instruction and on your behalf, purchase the corresponding foreign currency from the Company’s cooperating bank and settle with the overseas merchant.

3.10.1 You agree and voluntarily accept the foreign exchange rate offered by the Company’s cooperating bank and posted on the payment page of the Company’s website at the time of submitting your application for purchasing foreign exchange, regardless of whether the foreign exchange rate is the up-to-date/real-time rate or whether it is most favorable to you. You understand and agree that the foreign exchange rate on the payment page of the Tenpay website is provided by the Company’s cooperating bank. The Company has not provided and will not provide any forms of guarantee on whether such foreign exchange rate is the up-to-date/real-time rate when you submit the foreign currency purchase application to the Company’s cooperating bank. Once you confirm the purchase by clicking on the relevant section on the payment page, you agree to and authorize the Company to send foreign currency purchase order to the Company’s cooperating bank on your behalf and to confirm the purchase in accordance with the foreign exchange rate posted on the payment page of Tenpay’s Website. For the specific terms of the purchase of foreign exchange on behalf customers, please refer to the “Tenpay Brokerage Agreement on Settlement and Purchase of Foreign Exchange.” If the terms of this agreement are inconsistent or in conflict with the terms of the “Tenpay Brokerage Agreement on Settlement and Purchase of Foreign Exchange,” the “Tenpay Brokerage Agreement on Settlement and Purchase of Foreign Exchange” shall be effective and prevail.

3.10.2 You agree that the Company will purchase the specified foreign currency only through the cooperating bank at the price you have chosen, but that the Company shall not be responsible for the exchange gains and losses resulting from the difference in the exchange rate you have chosen and the actual exchange rate at which the purchase is executed.

3.10.3 You acknowledge and agree that after you authorize the Company to send foreign currency purchase information to the Company’s cooperating bank, it shall be deemed that you and the Company’s cooperating bank have directly entered into a foreign currency purchase agreement. The relevant rights and obligations regarding the purchase of foreign currency shall be undertaken by you and the Company’s cooperating bank, and the Company does not provide any forms of assurance, guarantee, or assume any other legal responsibilities. Meanwhile, you agree and authorize the Company the right to transfer the corresponding funds in RMB, equivalent to the to-be-purchased foreign currency amount, from your WeChat Pay account for making the purchase order with the Company’s cooperating bank. If the corresponding funds in RMB for purchasing the foreign currency exceed your current Change balance or the current balance of your linked bank card account, the foreign exchange purchase order shall be deemed as an abnormal order, and you alone shall bear the consequences thereof.

4. Use of the Service

4.1 Any payment instruction issued by your Wechat account while you are logging in is regarded as payment instruction issued by yourself. You understand and agree that due to the promptness of the transfer of funds, the payment instruction will be effective immediately after it is issued, and that such instruction is irrevocable. The Company has the right to deduct and receive funds according to payment instructions issued by you. You should keep your mobile phone and other electronic devices, payment password, SMS verification codes, digital certificates, electronic signatures, barcodes, QR codes, and other information and materials for WeChat Pay safely. Any damages caused by your leakage, loss, replication, and transfer of the aforementioned information or materials shall be borne alone by you.

4.2 You understand and agree that, in order to bring to you a better payment experience, for a certain number of payment transactions under a certain amount limit (according to the relevant rules of use), the Company shall not be required to verify your WeChat Pay password before carrying out deduction and collection operations (such as “Payment to Merchants” and “Password-Free Payment”) on your Change and linked bank account.

4.3 You voluntarily submit an application to the Company’s cooperating bank (specifically, the bank you confirm on the operation interface, hereinafter referred to as the “Deposit Bank”) to open a bank account and apply for payment transactions through such bank account. You agree and authorize that: 1) the Company will transfer your personal information (including, but not limited to, name, ID number, mobile phone number, bank card information, etc.) required for opening a bank account to the Deposit Bank; 2) the Company can transfer the transaction funds from your Change balance to your designated bank account for making payment; 3) the Company can deduct the transaction amount from the bank account you have designated for making payment to complete the transaction. You shall use the bank account according to your agreement with the Deposit Bank. If any of the following events occurs, the Company shall have the right to immediately suspend the Service:

(1) You use the Service for illegal purposes;

(2) You have violated laws, regulations, agreements, or rules for using the account;

(3) The Company believes that it is risky to provide the Service to you;

(4) Your bank account is invalid, expires or has been closed, etc.;

(5) Bank system failure and system upgrade.

4.4 If you have enabled the WeChat fingerprint payment function, you are deemed to have agreed that, when you use such function, the Company shall not need to verify your payment password or SMS dynamic code, and can carry out deduction and collection operations on your Change and linked bank accounts following transaction instruction by you, the merchant, or the payee, in reliance on the fingerprint verification information sent by your mobile phone or other mobile devices.

4.5 You understand and agree that the Company is not a bank or financial institution and cannot provide services that ensure immediate transfer of funds to your account. You acknowledge that it takes reasonable time for the transfer of funds to complete.

4.6 During the course of your use of the Company’s Service, the Company is not responsible for any risks related to currency depreciation, exchange rate losses and interest losses related to your management, collection or payment of funds, and the Company does not need to pay you any proceeds of payment interests.

4.7 If you have not complied with laws, regulations, this agreement and related operating reminders and business rules while using the Service, you shall be solely responsible for any consequent risks and losses. The Company will not be responsible to you for any such risks and losses. If there is no transaction record within the six months from the date of account opening, the Company has the right to suspend the Service to you in whole. After re-verification of your identity, the Service can be resumed.

4.8 When you use the Service, you shall pay only after carefully confirming the transaction and the amount. The Company has the right to deduct the funds to the payee according to your instructions. At that time, you should not ask the Company to refund or assume other responsibilities for reasons such as having not signed the transaction documents, inconsistent signatures, and not wishing to trade.

4.9 You are responsible for the legitimacy, authenticity, completeness and validity of the instructions you have issued during the use of the Service. Your shall be responsible for the Company’s operations under your instructions.

4.10 You should complete your physical information in accordance with the Company’s requirements for real-name certification, otherwise you may be subject to restrictions on collection, withdrawal and/or payment (including but not limited to Change, Red Envelopes, Financial Management Expert(“Li Cai Tong”)), and the Company has the right to suspend transfer from and payment to your WeChat Pay account until you meet the requirements for real-name certification.

4.11 You agree that the Company has the right to inform you the use of the Service by e-mail, Tenpay website notice, telephone or fax.

4.12 The Company provides real-time transfer, normal transfer, next-day transfer, and other transfer methods to you to choose from (except for WeChat Red Envelope). You can choose the default transfer method (the transfer method you have chosen the first time is the default transfer method; you can also adjust the default transfer method). To protect the safety of your funds, the Company will set the daily maximum transfer amount and the maximum number of transactions that can be completed within one day based on the risk management status of your account; Company will complete transfers according to the daily maximum amount and the number of transactions you have so chosen. The Company will not complete transfer transactions that exceed any of such limits.

4.13 You promise not to use the Service for any unlawful purposes or in any illegal way. You will not use the Service for trading goods that have been prohibited or restricted by laws or regulations from being held or traded.

4.14 You may not use the Service to perform any of the following acts:

(1) Oppose the basic principles set in the Constitution, endanger national security, leak state secrets, subvert state power, or undermine national unity;

(2) Infringe other people’s reputation, privacy rights, trade secrets, trademark rights, copyrights, patents, or other rights;

(3) Fraudulently use the Service in the name of another person or submit telephone number or ID number that cannot be verified;

(4) Engage in any illegal transactions such as selling firearms, drugs, banned medicines, pirated software, buying or selling POS machines (including MPOS) online, card readers or other similar terminals, or selling other prohibited items;

(5) Provide gambling information or induce others to participate in gambling in any way;

(6) Become suspected of implementing or implement money laundering, cashing out or conducting pyramid scheme activities;

(7) Use an invalid credit card or another person’s credit card for trading;

(8) Use an invalid bank account or another person’s bank account for trading;

(9) Infringe the system of the Service;

(10) Violate laws and regulations, regulatory requirements, or terms, agreements, rules, notices or other requirements on the Company’s website (https://www.tenpay.com/v3/);

(11) Rent, lend, sell, or purchase bank account or payment account, fraudulently use another person’s identity, or make up agency relationship in order to open bank account or payment account;

(12) Engage in other acts that violate national laws, regulations, rules, policies, or this agreement.

4.15 You agree that you authorize the Company to execute transactions that you make through WeChat Pay in accordance with the agreement between you and your transaction partner and the rules formulated and published by the Company. At the same time, you authorize the Company to obtain information related to you (including but not limited to descriptions of the traded goods, logistics information, behavioral information, account-related information, etc.) from third parties for verifying the authenticity and legality of the transactions.

5. Service Fees

You understand that the Service comes with operating costs. For the sake of maintaining continuous operation, the Company has the right to charge you service fees. The actual method for charging service fees is finalized in the various notices and notifications you will receive while using the Service. Notices and notifications issued by the Company regarding various types of charges are part of this agreement. If you continue to use the Service after receiving such notices or notifications regarding service charges, you are deemed to have unconditionally agreed to pay to the Company service fees under the relevant notices or notifications.

6. Observation of Local Laws

6.1 In the process of using the Service, you should abide by local laws and regulations, and respect local ethics and customs. If your behaviors violates local laws, regulations or moral customs, you should be solely responsible for any such consequences.

6.2 If your country or region prohibits or restricts all or part of the content of this agreement, you should immediately stop using the Service.

6.3 You should avoid being involved in political and public events for using the Service, otherwise the Company has the right to suspend or terminate the Service to you.

7. Liabilities and Limitations

7.1 The Company is only liable for the obligations listed in this agreement, and the scope of the Company’s liability is limited to your actual economic losses that are reasonably foreseeable.

7.2 The Company only provides the Service and does not participate in specific goods or services transactions. When you use the Service, any dispute or liability arising from the transaction of goods or services should be resolved or undertaken by you.

7.3 The Service is provided at the current technical level. The Company will try its best to provide services for you, but there is no guarantee that the Service will fully meet your expectations.

8. Force Majeure and Other Exemptions

8.1 In the course of your use of the Service, you may encounter risk factors including force majeure, which may interrupt the Service. Force majeure refers to any unforeseen, insurmountable, unavoidable and objective event that has a significant impact on one or both parties, including but not limited to natural disaster such as flood, earthquake, plague and storm, and social event such as war, unrest, and government action. When the above situation occurs, the Company will work hard to cooperate with relevant parties in the first instance to make repairment in time. However, to the extent permitted by law, the Company shall be exempted from being responsible for any losses caused by such events to you.

8.2 To the extent permitted by law, the Company shall not be liable for any interruption or obstruction of the Service caused by any of the following:

(1) Damage by computer viruses, Trojan virus or other malicious programs, or hacker attacks;

(2) Your or the Company’s computer software, system, hardware and communication failure;

(3) Your failure to operate properly;

(4) Your use of the Service in a manner not authorized by the Company;

(5) Failure of the banking system or bank network;

(6) Other situations that the Company cannot control or reasonably anticipate.

8.3 In the course of your use of the Service, the Company will not be responsible for any of the following risks:

(1) Anonymous information or information from disguised source that contains threats, defamation, offensive or illegal content;

(2) Any psychological, physiological, and economic damages caused by misleading, deceitful acts or by other acts;

(3) Other risks caused by network information or by your actions.

8.4 In the course of your use of the Service, the Company may, to the extent permitted by law, remove illegal content, but the Company undertakes no obligation or commitment to do so.

9. Suspense, Interruption or Termination of the Service

9.1 You understand that the Company has the right to risk manage your WeChat Pay transactions in accordance with relevant laws and regulations. When the Company believes that you have suspicious transactions or that there is a violation of the law or of this agreement, the Company has the right to suspend, interrupt or terminate the provision of the Service to you (including but not limited to restricting transactions, suspending transactions, canceling transactions, adjusting accounts with regard to payments under your WeChat Pay account and with regard to payments in transit). If the Company decides to terminate the provision of all or part of the Service to you, the Company has the right to return the legal funds from your WeChat Pay account to your linked bank account. If the Company determines that the funds in your WeChat Pay account are suspected of being related to illegal or criminal activities, the Company has the right to close down the payment, receipt, cash withdrawal, and other functions related to the funds in your WeChat Pay account, and to freeze and deduct such suspected funds according to the instructions from state authority.

9.2 If the Company finds out that you have violated this agreement, it reserves the right to suspend, interrupt or terminate the provision of the Service to you, to close your WeChat Pay account, and to not provide any services to you within a certain period of time.

10. Protection of Privacy

The Company highly values the protection of your privacy. Your personal privacy information will be protected and regulated in accordance with the “Tenpay Privacy Policy”. For details, please refer to “Tenpay Privacy Policy.”

11. [Protection of Intellectual Property Rights]

11.1 The intellectual property provided by the Company while offering the Service (including but not limited to web pages, texts, pictures, audio, video, graphics, etc.) is owned by the Company and its affiliates. The intellectual property of the content generated by you while using the Service is owned by you or the relevant right holders.

11.2 Unless otherwise specifically stated, the copyrights, patents, and other intellectual property rights of the software relied upon by the Company in providing the Service are owned by the Company and its affiliates.

11.3 The trademarks such as “Cai Fu Tong” and “Tenpay” which are used by the Company while providing the Service are owned by the Company and its affiliates.

11.4 The above intellectual property rights are protected by law. No one may use or create derivative work in any forms without the written consent by the Company, you or the relevant right holders.

12. Application of Law and Dispute Resolution

12.1 This agreement shall be signed in the Nanshan District, Shenzhen, Guangdong Province, the People’s Republic of China.

12.2 The establishment, validity, performance, interpretation and dispute resolution of this agreement shall be governed by the laws of the People’s Republic of China (excluding conflict of laws).

12.3 Any disputes or conflicts between you and the Company arising from this agreement shall first be settled via friendly negotiations. In case that negotiations fail, you agree to submit such conflicts or disputes to the jurisdiction of the People’s Court that presides over the location where this agreement is signed (Nanshan District, Shenzhen).

13. Other Terms

13.1 The headings of all articles of this agreement are for convenience of reading only and have no practical meaning themselves. They cannot be used as basis for interpreting this agreement.

13.2 If any provisions of this agreement are invalid or unenforceable for any reasons, the remaining provisions shall still be in force and shall be binding on both parties.

Tenpay Payment Techology Co., Ltd.

WeChat Pay Europe – EU User Addendum

1. Your relationship with us

You are reading the EU User Addendum (the “EU Addendum”) which govern the relationship and serve as an agreement between you and WeChat Pay Europe BV (“WeChat Pay Europe”, “we” or “us”) for your use of our website, services, applications, products and content (collectively, the “Services”) if you ordinarily reside in the EU. For purposes of these Terms, “you” and “your” means you as the user of the Services. This EU Addendum supplements the WeChat Pay User Service Agreement (“User Agreement”, and together with the EU Addendum, the “Terms”) between you and Tenpay Payment Technology Co. Ltd. (“Tenpay”). This EU Addendum shall take precedence over the User Agreement in the event of conflicting terms. Definitions capitalized but not defined in this EU Addendum, shall have the meaning ascribed to them in the User Agreement.

WeChat Pay Europe is a company established in the Netherlands, with its registered address at the Amstelplein 54, in Amsterdam 1096 BC (trade register number 72082860). You may use these address details for questions and complaints, as well as the following email address: wechatpay_europe@tencent.com.

2. Accepting the terms

By using our Services, you confirm that you can form a binding contract with WeChat Pay Europe, that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you must not use our Services. You should print off or save a local copy of the Terms for your records.

3. Changes to the Terms

We amend these Terms from time to time, for instance when we update the functionality of our Services or when there are regulatory changes. You must look at the Terms regularly to check for such changes. Your continued use of the Services after the date of the new Terms constitutes your acceptance of the new Terms. If you do not agree to the new Terms, you will no longer be able to use the Services, and you may withdraw your balance in WeChat “Wallet” to your bank card.

4. Charges

Charges for the Services are set out in our Charge Information Sheet, available on the Internet here . We reserve the right to adjust our Charge Information Sheet, and we will always notify you when we do this. All charges are disclosed prior to completing your transaction, and the charges are assessed at the time of the transaction.

5. Personal Data

For the purposes of data protection legislation (and varying Clause 10 of the User Agreement), we are the data controller. We will process your personal data in accordance with our Privacy Policy , which we will notify to you from time to time.

6. Applicable Law and Jurisdiction

This EU User Addendum, its subject matter and its formation, are governed by Dutch law. You and we both agree that the courts of the Netherlands will have exclusive jurisdiction.