EUI Money APP
隱私權條款 (Privacy Policy) 

本使用條款（以下簡稱「本條款」）係就東聯國際股份有限公司（EASTERN UNION INTERNATIONAL LIMITED，以下簡稱「EUI」）依香港法例第615章《打擊洗錢及恐怖份子資金籌集條例》由香港海關金錢服務監理科批准的經營金錢服務的牌照提供在港人士匯款及相關服務，暨手機應用程式「 EUI Money APP」（包含EUI日後隨時推出之各項APP）相關服務（以下簡稱「本服務」）之使用約定，使用本服務的用戶（以下簡稱「用戶」）同意使用約定內容如下： 

1. 認知與接受條款 
   1.1 用戶於使用本服務前應詳細閱讀本條款之內容，如有任何異議應於使用前向EUI提出且不再使用本服務。當用戶使用本服務時，即表示用戶已閱讀、瞭解並同意接受本條款之所有內容。 
   1.2 EUI得隨時修正或變更本條款內容。變更後之本條款，自公布於EUI Money APP後30日生效，但用戶於本條款修正或變更公布後30日內使用本服務而無異議時，變更後之本條款將即時生效。如用戶對於變更後之本條款內容有任何異議，應於使用本服務前向EUI提出且不再使用本服務。當用戶於本條款修正或變更後仍繼續使用本服務，將視為用戶已閱讀、瞭解並同意接受修改或變更後之條款。 
    
2. 用戶註冊 
   2.1 用戶使用本服務時，應提供真實正確的個人身分資料註冊登入，包括於有效期限內之香港身分證正面、護照正反面、個人半身照片及其它相關資料。若個人資料有異動時，用戶應即時主動更新資料。若用戶提供任何錯誤或不實的資料，EUI得暫停或終止用戶的帳號，並拒絕該用戶使用本服務，用戶應自行負擔一切責任。 
   2.2 用戶之帳號僅限本人登入及使用，用戶應自行負責保管以免遭到不當使用。利用該帳戶所進行的一切行為均視為用戶本人的行為。EUI如發現使用者非用戶本人或有不當使用之情形，得暫停或終止用戶的帳號，並拒絕用戶使用本服務。 
   2.3 每一用戶限註冊一帳戶，用戶於本服務所有使用權不得轉讓、出借予第三人或使第三人繼承。 
    
3. 關於服務 
   3.1 本服務係提供用戶透過手機應用程式委請EUI依香港法例第615章《打擊洗錢及恐怖份子資金籌集條例》提供在港人士匯款及相關服務 。EUI提供本服務應盡善良管理人注意義務及忠實義務，以確保對用戶享有本服務之成果，EUI並應確保本服務之交易條件不低於其進行業務招攬時之廣告內容。 
   3.2 本服務之匯率，以各筆匯款時系統所提供之匯率為準。 
   3.3 用戶使用本服務時，每筆匯款需支付手續費。實際收費金額將視用戶交易當下系統自動檢核計算而定，並經用戶同意且確認後，該交易始成立。 
   3.4 本服務設有匯款金額限額之限制。具體金額上限應依香港法例第615章《打擊洗錢及恐怖份子資金籌集條例》之規定（含其日後修訂之規定）辦理。 
    
4. 本服務的變更、終止與賠償責任 
   4.1 EUI依實際營運情形，於必要時得隨時（且無須經用戶之同意或事先通知用戶）變更本服務之全部或部分內容，並終止提供本服務。若因 EUI 或 EUI 之受僱人或履行輔助人處理本服務相關事務之過失導致本服務未完成並造成用戶之損害者，如EUI已收取該筆交易之匯款金額及手續費，EUI 除退還該筆交易已收取之匯款金額及手續費予用戶外，並應額外加付與該筆交易之手續費（但不含匯款金額）相同之金額予用戶，作為賠償金，但法律另有強制規定者，不在此限。 
   4.2 除前項所定情形外，因一時的交易停止產生的服務延遲或不能交易，用戶所產生的損失，EUI將不予以承擔責任。 
   4.3 用戶若有違反香港特別行政區法律、本服務所涉及之其他國家或地區之法令或本服務條款之約定，致使 EUI 受有任何損失，用戶應對 EUI 負擔損害賠償責任。 
    
5. 智慧財產權 
   5.1 EUI Money APP手機應用程式之功能、服務及其上之著作、資料，包括但不限於文字、圖片檔案、影音等內容，著作權、專利權、商標權、營業秘密、其他智慧財產權、所有權或其他權利，均為EUI所有。 
   5.2 用戶同意並承認，就本服務相關或本服務所包含之智慧財產權，用戶經EUI同意使用本服務及本條款之任何內容，均不構成該等智慧財產權之所有權、其他權利或利益之授予。 
    
6. 用戶之承諾 
   6.1 用戶承諾使用本服務應遵守香港特別行政區法律及本服務所涉及之其他國家或地區之法令，用戶並擔保絕不利用本服務進行或從事侵害他人權益之行為或為違法之行為，包括不限於：洗錢、資恐、詐騙或竊取資料等。 
   6.2 EUI提供本服務，有權依《打擊洗錢及恐怖分子資金籌集條例》香港特別行政區其他法律及其他國家或地區相關規定查核用戶之的匯款申請，並要求提供相關說明及（或）證明文件。如發現可疑之匯款申請時，EUI將拒絕執行該筆匯款申請並依香港特別行政區法律及其他國家或地區法令為相關處置。 
   6.3. 用戶應擔保所提供予EUI之匯款資料及個人資訊均屬正確且完整，如有違反，應由用戶自行承擔相關損失，並對EUI負違約責任。 
   6.4 EUI 透過所提供之所有匯款服務，得以 EUI 電腦系統所自動記錄的電子交易資料為準。若使用者發現交易資料有誤，應立即通知 EUI。 
    
7. 免責條款 
   7.1 有下列情形之一者，EUI無須事先通知用戶，即有權暫停或拒絕用戶使用本服務之一部或全部，但應採取對用戶影響最小之時間及方式進行，且除不可抗力因素所致者外，應事前於手機應用程式之系統內公告之，用戶不得就此主張任何求償或賠償： 
        7.1.1 用戶無故撤銷已完成之匯款交易。 
        7.1.2 用戶提供錯誤的身分認證資訊。 
        7.1.3 為重置、更換、維持、更新或修復本服務之軟體或硬體設備。 
        7.1.4 經EUI審核判斷用戶或收款對象為洗錢黑名單或疑似涉及洗錢黑名單等違反《打擊洗錢及恐怖分子資金籌集條例》及相關金融法規等違反法令之情事。 
        7.1.5 因第三人之行為，或其他不可歸責於EUI之行為，致本服務暫停、中斷或無法正常營運。 
        7.1.6 其他用戶使用本服務而有違反香港特別行政區法律或其他國家或地區法令、本條款之情形或有違反之虞者。 
   7.2 由於自然災害、戰爭、恐怖活動等無法歸咎於EUI之事由，或主管機關、檢察機關或法院等公共機關之處分、命令或措施等不得已的原因，導致延遲提供或無法使用本服務時，或本應用程式中保存的資料消失時，由此引發或與此相關的客戶利益損害，EUI將不承擔任何責任。 
   7.3 由於用戶透過公用網路、專用網路、其他互聯網等其他通訊網路發生盜用而導致用戶登入資料洩露或被竄改時，由此產生的損失EUI不承擔任何責任。 
    
8. 本服務內可能包含其他與EUI有業務合作的業者所提供的服務或內容，該等服務或內容所應負責任，概由提供服務或內容之業者負擔。 
    
9. 隱私政策 
   9.1 用戶同意EUI為完成本服務之提供及結匯作業，將蒐集、處理、利用用戶及收款對象之個人資料，並在服務必須之相關範圍內，提供該等個人資料予EUI之母公司、其關係企業及相關第三者。有關用戶個人資料之蒐集、處理、利用及國際傳輸相關事宜，以及用戶之權利，請參照第9.4項之約定，用戶同意EUI已依《個人資料（私隱）條例》（香港法例第486章）等規定完成告知義務。客戶若擬終止上開同意，應同時終止使用本服務，且應以書面告知EUI停止蒐集、處理、利用用戶個人資料。 
   9.2 用戶同意，如EUI及EUI之業務合作夥伴為取得授權或依法必須向香港特別行政區政府及海外之管轄機關或執法機關提供時，得將用戶個人資料向其提供。用戶亦同意EUI可將用戶之個人資料向EUI及其業務合作夥伴提供，由EUI使用此等資料與用戶聯絡有關EUI及其業務合作夥伴之其他產品或服務。 
   9.3 EUI 為提供本服務而向用戶蒐集取得之個人資料，將依EUI個人資料保護政策之要求，以善良管理人之注意義務妥善保存，並依《個人資料（私隱）條例》等相關法令進行處理及利用。 
   9.4 EUI謹依據《個人資料（私隱）條例》之規定，告知用戶下列與蒐集、利用及處理用戶個人資料有關之事項： 
        9.4.1 蒐集之特定目的：提供本服務（包括但不限於在港人士匯款服務）、辦理本服務相關之業務及其他 EUI經主管機關許可經營之業務。 
        9.4.2 蒐集之個人資料類別： 
             (a)用戶註冊登入時之資訊：包括用戶之姓名、電話號碼、出生日期、香港身分證號碼、核發日期、護照號碼、護照發證日期、護照到期日等資料。 
             (b)用戶使用本服務所需之資訊：用戶及（或）收款人之姓名、電話號碼、有效證件號碼、銀行名稱、銀行帳號、匯款金額等資料。 
             (c)驗證及辨識用戶身分所需之資訊：包括用戶之姓名、電話號碼、出生日期、證件號碼、發證日期、到期日期等資訊。 
             (d)其他 EUI為提供本服務所需蒐集之資料：包括用戶登入及使用系統之時間、地點、手機型號等資訊。 
        9.4.3 個人資料利用之期間、地區、對象及方式： 
             (a)期間：以特定目的之存續期間為準，並依相關法令規定或契約約定之保存年限辦理。 
             (b)地區：香港特別行政區、EUI母公司及其關係企業（含其海外分公司或子公司）所在地、通匯行或合作機構之所在地、EUI業務委外機構所在地、與EUI有業務往來之機構營業處所所在地。 
             (c)對象：EUI、EUI母公司及其關係企業（含其海外分公司或子公司）、通匯行、業務委外機構、未受主管機關限制之跨境傳輸個人資料之接收者、其他與EUI、EUI母公司及其關係企業（含其分公司或子公司）有業務往來之機構、依法有調查權機關或金融監理機關。 
             (d)方式：以自動化機器或其他非自動化之利用方式。 
        9.4.4 依據《個人資料（私隱）條例》規定，用戶就EUI保有用戶之個人資料得行使下列權利： 
             (a)得向EUI查詢、請求閱覽或請求製給複製本，而EUI依法得酌收必要成本費用。 
             (b)得向EUI請求補充或更正，但用戶應依法為適當釋明其理由。 
             (c)得向EUI請求停止蒐集、處理或利用及請求刪除，惟EUI因執行業務所必須且為相關法令所允許者，得不依用戶請求為之。 
        9.4.5 用戶不提供個人資料所致權益之影響：用戶若拒絕提供相關個人資料，EUI將無法進行必要之審核及處理作業，致無法提供用戶相關服務。 
    
10. 準據法及管轄法院 
    10.1 本條款以中文為準，並受香港特別行政區法律管轄並按其解釋。 
    10.2 如用戶對於 EUI提供之本服務有任何問題、客訴或爭議，或須諮詢、查詢、異動用戶或收款人之資料，可使用EUI線上客服、電子郵件或EUI Money APP上所提供之專線電話向 EUI客戶人員反映。 
    10.3 如因使用本服務有任何爭議時，用戶得向香港特別行政區的法院聲請調解或提起訴訟，用戶同意就與EUI間所發生因使用本服務或與本服務相關之糾紛，皆以香港特別行政區的法院為管轄法院。 

Privacy Policy for EUI Money APP 

These Terms of Use ("Terms") govern the use of the services provided by Eastern Union International Limited ("EUI"), a company licensed to operate money services under Chapter 615 of the Laws of Hong Kong and regulated by the Money Service Supervision Bureau of Hong Kong Customs and Excise Department, offering remittance and related services to individuals in Hong Kong, through the mobile application "EUI Money APP" (including any future apps introduced by EUI) ("the Service"). By using the Service, users ("Users") agree to the following terms and conditions: 

1. Acknowledgment and Acceptance of Terms  
   1.1 Users should carefully read the contents of these Terms before using the Service. Any objections should be raised to EUI before use. By using the Service, Users indicate that they have read, understood, and agreed to all the contents of these Terms.  
   1.2. EUI may revise or amend the contents of these Terms at any time. The revised Terms shall take effect 30 days after being published in the EUI Money APP. However, if a User uses the Service within 30 days of the announcement of the amendment to these Terms without objection, the amended Terms shall take effect immediately. If a User disagrees with the amended Terms, they should raise objections to EUI before using the Service. Continuing to use the Service after the amendment of these Terms shall be deemed as acceptance of the modified or amended terms. 

2. User Registration  
   2.1  Users must provide accurate and true personal identity information for registration, including but not limited to valid Hong Kong Identity Card, passport, personal photo, and other relevant information. Users should promptly update their information if there are any changes. If a User provides any incorrect or untrue information, EUI may suspend or terminate the User's account and refuse the User access to the Service, and the User shall be solely responsible.  
   2.2  Each User is limited to one account, and Users may not transfer, lend, or allow third parties to inherit their rights to use the Service. 
   2.3  Each user is limited to registering one account, and users are prohibited from transferring, lending, or allowing third-party inheritance of their usage rights to the service. 

3. About the Service: 
   3.1  The service allows users to request EUI, through a mobile application, to provide remittance and related services for Hong Kong residents in accordance with Chapter 615 of the Hong Kong Anti-Money Laundering and Counter-Terrorist Financing (Financial Institutions) Ordinance. EUI is obligated to provide the service with due diligence and good faith to ensure that users enjoy the benefits of the service. EUI must also ensure that the terms of service are not less favorable than advertised when soliciting business. 
   3.2. The exchange rate for the service is based on the rate provided by the system at the time of each remittance transaction. 
   3.3. When using the service, users are required to pay a handling fee for each remittance transaction. The actual fee amount will be determined by the system's automatic verification at the time of the user's transaction, and the transaction will be deemed complete only after the user's confirmation. 
   3.4. The service has limits on the amount of remittance. The specific upper limit amount should be handled in accordance with the provisions of Chapter 615 of the Hong Kong Anti-Money Laundering and Counter-Terrorist Financing (Financial Institutions) Ordinance (including its subsequent amendments). 

4. Changes, Termination, and Compensation Responsibility for the Service: 
   4.1. Depending on the actual operating situation, EUI may, when necessary and without the user's consent or prior notice, change all or part of the content of the service and terminate the provision of the service. If the service is not completed due to the negligence of EUI, EUI's employees, or agents in handling matters related to the service, and this causes damage to the user, if EUI has received the remittance amount and handling fee for the transaction, EUI shall refund the user the remittance amount and handling fee received for the transaction, and shall also pay an additional amount equal to the handling fee for the transaction (excluding the remittance amount) to the user as compensation, unless otherwise required by law. 
   4.2. Except as provided in the preceding paragraph, EUI shall not be liable for any loss incurred by the user due to service delays or inability to transact caused by temporary transaction suspensions.  
   4.3  If a user violates the laws of the Hong Kong Special Administrative Region, the laws of other countries or regions involved in the service, or the provisions of the service terms, resulting in any loss to EUI, the user shall be liable for damages to EUI. 

5. Intellectual Property Rights  
   5.1  The features, services, and works on the EUI Money APP mobile application, including but not limited to text, image files, audiovisual content, are owned by EUI and are protected by copyright, patent rights, trademark rights, trade secrets, other intellectual property rights, ownership, or other rights.  
   5.2  Users agree and acknowledge that the use of any content related to this service or contained in this service by the user, with the consent of EUI and in accordance with these terms, does not constitute ownership, other rights, or interests in such intellectual property rights. 

6. User Commitments  
   6.1  Users undertake to comply with the laws of the Hong Kong Special Administrative Region and other countries or regions involved in this service, and guarantee not to use this service for activities that infringe upon the rights of others or are illegal, including but not limited to: money laundering, terrorist financing, fraud, or data theft.  
   6.2 EUI provides this service and has the right to review users' remittance applications in accordance with the Anti-Money Laundering and Counter-Terrorist Financing Ordinance of the Hong Kong Special Administrative Region, other laws of the Hong Kong Special Administrative Region, and relevant regulations of other countries or regions. When suspicious remittance applications are detected, EUI will refuse to execute the remittance application and take relevant measures in accordance with the laws of the Hong Kong Special Administrative Region and other countries or regions.  
   6.3 Users shall ensure that the remittance data and personal information provided to EUI are correct and complete. In case of any violation, users shall bear the related losses and be liable for breach of contract to EUI.  
   6.4 EUI may rely on the electronic transaction data automatically recorded by the EUI computer system for all remittance services provided. If users find any errors in the transaction data, they shall immediately notify EUI. 

7. Disclaimer  
   7.1  In the following circumstances, EUI may suspend or refuse users' use of all or part of this service without prior notice. However, EUI shall adopt the minimum time and method that affects users, and except for force majeure factors, shall announce it in advance on the system of the mobile application. Users shall not claim any compensation or damages for this:  
   7.1.1 Users unilaterally cancel completed remittance transactions.  
   7.1.2 Users provide incorrect identity authentication information.  
   7.1.3 Resetting, replacing, maintaining, updating, or repairing the software or hardware devices of this service.  
   7.1.4 Based on EUI's judgment, users or recipients are on the money laundering blacklist or suspected of being involved in the money laundering blacklist, violating the Anti-Money Laundering and Counter-Terrorist Financing Ordinance, and relevant financial regulations of the Hong Kong Special Administrative Region.  
   7.1.5 The service is suspended, interrupted, or cannot operate normally due to the actions of third parties or other acts not attributable to EUI.  
   7.1.6 Other users violate the laws of the Hong Kong Special Administrative Region or other countries or regions, or the provisions of these terms, or there is a risk of violation.  
   7.2  EUI shall not be liable for any loss of customer interests caused by delays in providing or inability to use this service due to natural disasters, wars, terrorist activities, or other reasons not attributable to EUI, or due to orders or measures by competent authorities, public prosecutors, or courts, etc.  
   7.3 EUI shall not be liable for any loss incurred by users due to the theft of login data or tampering with login data by users through public networks, dedicated networks, other internet communication networks, or other communication networks. 

         8. Other services or content provided by businesses cooperating with EUI may be included within this service. The responsibility for such services or content lies with the providers of said services or content. 

         9.Privacy Policy  

          9.1  Users agree that for the provision and settlement operations of this service, EUI may collect, process, and utilize the personal data of users and recipients, and within the relevant scope necessary for the service, provide such personal data to EUI's parent company, its affiliates, and relevant third parties. Regarding the collection, processing, utilization, and international transfer of user personal data, as well as user rights, please refer to the provisions of Article 9.4. Users agree that EUI has fulfilled its notification obligations in accordance with the Personal Data (Privacy) Ordinance (Chapter 486 of the Laws of Hong Kong). If the customer intends to terminate the aforementioned consent, they should also cease using this service and inform EUI in writing to stop collecting, processing, and utilizing the user's personal data. 

​​​​​​​     ​​​​​​​     9.2  Users agree that if EUI and its business partners are required to provide user personal data to the government of the Hong Kong Special Administrative Region and overseas regulatory or law enforcement agencies for authorization or legal requirements, they may do so. Users also agree that EUI may provide the user's personal data to EUI and its business partners, and EUI may use this data to contact the user regarding other products or services related to EUI and its business partners. 

​​​​​​​     ​​​​​​​     9.3  Personal data collected from users by EUI for the provision of this service will be properly preserved in accordance with the requirements of EUI's personal data protection policy, and processed and utilized in accordance with relevant laws such as the Personal Data (Privacy) Ordinance. 

​​​​​​​     ​​​​​​​     9.4  In accordance with the provisions of the Personal Data (Privacy) Ordinance, EUI hereby informs users of the following matters related to the collection, utilization, and processing of user personal data:  

​​​​​​​     ​​​​​​​     ​​​​​​​     9.4.1  Specific purposes of collection: Providing this service (including but not limited to remittance services for Hong Kong residents), handling related business, and other businesses operated by EUI with the permission of the regulatory authorities.  

​​​​​​​     ​​​​​​​     ​​​​​​​     ​​​​​​​9.4.2 Types of personal data collected: (a) Information provided during user registration: Including the user's name, telephone number, date of birth, Hong Kong identity card number, issuance date, passport number, passport issuance date, passport expiration date, etc. (b) Information required for users to use this service: Information such as the user's and/or recipient's name, telephone number, valid identification number, bank name, bank account number, remittance amount, etc. (c) Information required for verifying and identifying user identity: Including the user's name, telephone number, date of birth, identification number, issuance date, expiration date, etc. (d) Other information collected by EUI for the provision of this service: Including the user's login and system usage time, location, mobile phone model, etc.  

​​​​​​​     ​​​​​​​     ​​​​​​​     9.4.3  Period, region, object, and method of personal data utilization: (a) Period: Based on the duration of the specific purpose, and handled in accordance with relevant legal regulations or contractual agreements regarding retention periods. (b) Region: Locations including the Hong Kong Special Administrative Region, where EUI's parent company and its affiliates (including its overseas branches or subsidiaries) are located, locations of correspondent banks or partner institutions, locations of outsourced business agencies of EUI, and locations of business premises of institutions with business dealings with EUI. (c) Object: EUI, EUI's parent company and its affiliates (including its branches or subsidiaries), correspondent banks, outsourced business agencies, recipients of personal data for cross-border transmission not restricted by regulatory authorities, other institutions with business dealings with EUI, and investigative or financial regulatory authorities authorized by law. (d) Method: Utilization methods including automated machines or other non-automated methods.  

​​​​​​​     ​​​​​​​     ​​​​​​​     9.4.4  Pursuant to the Personal Data (Privacy) Ordinance, users may exercise the following rights regarding EUI's retention of user personal data: (a) Requesting EUI to inquire, access, or request copies, for which EUI may charge necessary costs in accordance with the law. (b) Requesting EUI to supplement or correct, for which the user should provide appropriate explanations in accordance with the law. (c) Requesting EUI to cease collection, processing, or utilization, and requesting deletion, but EUI may not comply with the user's request if necessary for business execution and permitted by relevant laws.  

​​​​​​​     ​​​​​​​     ​​​​​​​     9.4.5  Impact of not providing personal data: If users refuse to provide relevant personal data, EUI will be unable to conduct necessary review and processing operations, resulting in the inability to provide relevant services to users. 

10. Governing Law and Jurisdiction  
     10.1.  These terms are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region and interpreted in accordance with them.  
​​​​​​​     10.2.  If users have any questions, complaints, or disputes regarding the services provided by EUI, or need to consult, inquire, or update user or recipient information, they may contact EUI customer service personnel via EUI's online customer service, email, or the dedicated hotline provided on the EUI Money APP.  
​​​​​​​     10.3.  In the event of any disputes arising from the use of this service, users may apply for mediation or initiate legal proceedings in the courts of the Hong Kong Special Administrative Region. Users agree that the courts of the Hong Kong Special Administrative Region shall have jurisdiction over any disputes arising from the use of this service or related to this service between the user and EUI.