客户服务协议

《电子银行客户服务协议》

E-Banking Customer Service Agreement

 

交通银行股份有限公司澳门分行

Bank of Communications Co., Ltd. Macau Branch (hereinafter “the Bank”)

 

本协议适用于使用电子银行服务的客户，本行对本协议内的条款拥有最终解释权。本协议的适用，不妨碍本行所订立的《交通银行股份有限公司澳门分行账户服务总协议》同时适用于客户，倘若本协议与《交通银行股份有限公司澳门分行账户服务总协议》有抵触，本行具最终解释权。

This Agreement shall apply to Customers using e-Banking Services and the Bank shall have the final right of interpretation of the terms and conditions of this Agreement. The application of this Agreement shall not preclude the application of the “Account Services Agreement of Bank of Communications Co., Ltd. Macau Branch” to the Customer. The Bank shall have the final right of interpretation in the event of any discrepancy between this Agreement and the “Account Services Agreement of Bank of Communications Co., Ltd. Macau Branch”.

 

此外，当阁下开始使用电子银行服务时，即等于同意接受下列由本行适时议定的各项条款之约束。如阁下于该等条款作出修订后，仍同意继续使用服务，即视作阁下已接受有关条款的修订及受其所约束。若阁下不同意下列条款，请立刻停止使用本行的电子银行服务。

In addition, by commencing to use the e-Banking Services, you agree to be bound by the following terms and conditions set by the Bank, from time to time. If you agree to continue to use the service after these terms have been amended, you will be deemed to have accepted and be bound by the amendments to these terms. If you do not agree to the following terms and conditions, you should cease using the Bank's e-Banking Services immediately.

 

本行所有信息、数据、意见及服务的对象仅限于居住于澳门特别行政区（"澳门"）的个人或营业地点设于澳门的公司，并不拟提供予其他司法管辖区之人士或法人使用。除非得到本行授权并且为本行的母公司(「交通银行股份有限公司」)及其下的所属子公司或受认可的机构的要求，否则本行将不会为任何未获授权人士，组织或机构提供任何有关用户的信息。

All information, materials, opinions and services are intended for use by individuals residing in the Macau Special Administrative Region (hereinafter "Macau") or company having their place of business in Macau only and are not intended for use by persons or legal entities in other jurisdictions. The Bank shall not provide any users’ information to any unauthorised person, organisation or institution, unless otherwise authorised by the Bank and requested by the Bank's parent company ("Bank of Communications Co Ltd") and its subsidiaries or authorised institutions.

 

本协议适用澳门法律，并按照其解释，任何争议须受澳门法院管辖。

This Agreement shall be governed by and construed in accordance with the laws of Macau. Any dispute shall be subject to the jurisdiction of the courts of Macau.

 

重要声明

Important Notice

A.        本行之电子银行服务所提供的信息、服务及产品只提供予当时合法地容许之地区，并不是在所有地域之所有人士均可享用，此等网页如在任何地区向任何人士招引或游说有关产品及服务属违法时，则此等网页不应视为向该等地区作出招引或游说，浏览人士须确保其知悉及遵守有关限制，及自行负责查证其所在地域的法律是否容许浏览本行网址／或使用有关服务。

The information, services and products offered by the Bank's e-Banking Services are available only in those jurisdictions where they are lawfully permitted at the time and are not open to all persons in all jurisdictions. Such web-pages should not be regarded as soliciting or advertising products and services to any person in any territory where such solicitation or advertising is unlawful. The visitors are responsible to ensure that they are aware of and comply with the restrictions and to check whether the laws of their jurisdiction allow browsing the Bank’s website and/or using the services.

 

B.         本行网址所包含的信息只供一般性参考及数据是以「原本」基础载出，并不代表任何保证、表述或承诺。此外，本行可在无事先通知的情况下，可不时修改该等数据。

The information provided in the Bank's website is for general reference only and is provided on an "as is" basis, such information shall not be treated as warranty, representation or undertaking of any kind. In addition, the Bank may amend such information, from time to time, without prior notice.

 

C.         本行网址所包含的资料不应视为要约或向浏览人士作出特定或专业意见，本行建议使用者在有需要时，应征询适当的专业人士意见。

The information contained in the Bank's website shall not be regarded as an offer or as a specific or professional advice provided to the visitors. The Bank recommends that the users shall seek advice from appropriate professionals when necessary.

 

D.        在法例容许的情况下，本行不予保证所提供之信息及数据是安全、没有任何错误、遗漏或不准确，及有关本网址之使用或不能使用，或因本网址之运作或传送之中断、缺陷或阻延、或系统失灵而招致浏览人士损失，本行并不就此承担任何责任。

To the extent permitted by law, the Bank does not warrant the information and materials provided are secure, free from errors, omissions or inaccuracies. The Bank shall not be liable for any losses due to using or failing to use this website, or for any interruptions, defects or delays in the operation or transmission on this website or system failure.

 

E.         客户使用「本行」的「电子银行服务」即构成「客户」同意接受以下条款，并受其约束之证明。

The use of the Bank's e-Banking Services by the Customer constitutes proof of the Customer's agreement to accept and be bound by the following terms and conditions.

 

F.          客户使用「电子银行服务」中产生，上传及发起交易等的数据和个人资料，将被传送到本行位于中国内地的服务器以进行后续处理和数据回传。

The data and personal information generated, uploaded and initiated by the Customers using the e-Banking Services will be transmitted to the Bank's servers in Mainland China for post-processing and data return.

 

1.      定义及应用

1.      Definition and Application

 

1.1 在本协议内，除文意另有释义外，下列名词均具以下含义：

1.1 Unless the context otherwise requires, the following terms shall have the meanings as defined below in this Agreement:

 

「银行」或「本行」指交通银行股份有限公司澳门分行。

“Bank” or “the Bank” means Bank of Communications Co., Ltd. Macau Branch.

 

「客户」指在「银行」开立帐户及申请使用电子银行服务的任何个人、法定机构、独资／合伙商号、公司、社团或组织，并获「银行」接纳的人士（如与「银行」签署「电子渠道服务申请表」的人士），包括持有个人账户之个人、法人及其授权人士、使用者、代理人及合法继任人。

“Customer” means any individual, statutory body, sole proprietorship/partnership, company, association or organisation that opens an account with the Bank and applies for e-Banking Services and is accepted by the Bank (e.g. a person who has signed an “e-Channel Service Application Form” with the Bank), including individuals holding personal accounts, legal entities and their authorised persons, users, agents and legal successors.

 

「电子银行服务」指「银行」向「客户」所提供的通过交通银行股份有限公司澳门分行之网上银行、手机银行服务，据此客户可透过电子渠道或电讯媒介输入「用户名称」及密码后，进行银行交易或从银行获取相关服务。

"e-Banking Service" means the online banking and mobile banking services provided by the Bank to the Customer through Bank of Communications Co., Ltd. Macau Branch, whereby the Customer can conduct banking transactions or obtain related services from the Bank through electronic channels or telecommunication media by entering the User Name and Password.

 

「账户」指不时由「客户」向「银行」指定并被「银行」接纳为可使用「电子银行服务」之帐户，但「银行」有权指定及由其选择更改可使用「电子银行服务」之帐户种类及范围。

"Account" means an account designated from time to time by the Customer to the Bank and accepted by the Bank for use with the e-Banking Service, subject to the Bank's right to designate and, at its option, change the type and scope of the account for which the e-Banking Service may be used.

 

「基本账户」指「客户」在申请「电子银行服务」时所指明，并以「客户」的名义在「银行」开立的储蓄存款户口或往来户口。

"Basic Account" means the savings account or current account opened with the Bank in the name of the Customer as specified by the Customer when applying for e-Banking Services.

 

「用户名称」指由「银行」向「客户」提供，或经「客户」自行选定并经「银行」所采纳，藉以识别「客户」身份之代号，当其与密码一同输入时，使「客户」能享用「电子银行服务」。

“User Name” means a code provided by the Bank to the Customer or chosen by the Customer and adopted by the Bank to identify the Customer and, when entered together with the Password, enables the Customer to use the e-Banking Services.

 

「密码」指由「客户」自行选定，并经「银行」所采纳的任何个人标识号 (不论独一与否 ) ，当其以电子形式(包括但不限于键盘及鼠标输入)与用户名称一同输入时，使「客户」能享用「电子银行服务」。

"Password" means any personal identification code (whether unique or not) chosen by the Customer and adopted by the Bank, when entered electronically (including but not limited to keyboard and mouse input) together with the User Name, to enable the Customer to use the e-Banking Services.

 

「本协议」指本「电子银行客户服务协议」及其日后之修订版本。

"Agreement" means this e-Banking Customer Service Agreement and any future amendments hereto.

 

「指示」指由「客户」经输入用户名称和密码后，透过「电子银行服务」以指定或可接纳之方法不时发出之任何指示。

"Instruction" means any instruction given by the Customer through the e-Banking Services, from time to time, by a specified or acceptable method after the Customer has entered his/her User Name and Password.

 

「交易」指「银行」依据或以其绝对决定权按照客户不时透过「电子银行服务」发出的一项「指示」而完成之任何行为或合同。

"Transaction" means any act or contract done by the Bank pursuant to or at its absolute discretion in accordance with an Instruction given by the Customer, from time to time, through the e-Banking Services.

 

「签署协议」指由「银行」载明有关文件签署安排，及其后以书面通知「银行」及「银行」所接受的更改签署安排。

"Agreed Signing Arrangement" means the arrangement for the signature of the relevant document as set out by the Bank and the subsequent variation of the signature arrangement as notified in written form to and accepted by the Bank.

 

「营业日」指澳门特别行政区的银行营业日子。

“Business Day” means the day on which banks in Macau Special Administrative Region are open for business.

 

「澳门」指中华人民共和国澳门特别行政区。

“Macau” means Macau Special Administrative Region of the People’s Republic of China.

 

1.2 除另有规定外，在「本协议」中凡表示单数的字词亦包括复数在内，反之亦然；表示某一性别意思的字词亦包括其他性别在内；表示人士的字词包括个人、公司、法定机构、协会、独资／合伙商号、社团或组织（包括具法律人格或不具法律人格的实体）。

1.2 Unless otherwise specified, words referring to the singular in this Agreement also include the plural and vice versa; words referring to one gender also includes the other genders; words referring to persons include individuals, companies, statutory bodies, associations, sole proprietorships/partnerships, associations or organisations (including entities with or without juridical personality).

 

1.3 在「本协议」中的各段标题仅供参考之用，不影响「本协议」的解释。

1.3 The headings of the paragraphs in this Agreement are for reference only and shall not affect the interpretation of this Agreement.

 

1.4 任何由「银行」以邮递方式寄往「客户」于「基本帐户」内的地址之通告，在其发出日期的下一个工作日应被视为已被「客户」收到。

1.4 Any notice sent by the Bank by post to the Customer's address as stated in the Basic Account shall be deemed to have been received by the Customer on the next Business Day following the date of its issuance.

 

2.      与账户及服务有关之条款

2.      Terms and Conditions Relating to Accounts and Services

 

2.1 鉴于「银行」准许「客户」使用「电子银行服务」，「客户」同意遵守并按照「本协议」或「银行」不时发出之任何其他指示行事。

2.1 In consideration of the Bank permitting the Customer to use the e-Banking Services, the Customer agrees to comply with and act in accordance with this Agreement or any other instructions given by the Bank, from time to time.

 

2.2 「银行」有权随时及不时修订、更改／增补「本协议」及由「银行」发出之任何指示，其中包括但不限于随时修订、更改／增补电子银行服务。以上各项，得以标贴、广告或「银行」认为适当之形式展示或通知「客户」后，即告生效并对「客户」具有约束力。若「客户」于生效日期仍保持「账户」，客户则视为接纳该修订或增补。

2.2 The Bank shall have the right to amend, alter/supplement this Agreement and any instructions given by the Bank, at any time, and from time to time, including but not limited to amend, alter/add to the e-Banking Services at any time. The foregoing shall become effective and binding on the Customer upon display of or notice to the Customer in the form of postings, advertisements or in such manner as the Bank considers appropriate. If the Customer maintains an Account on the effective date, the Customer shall be deemed to have accepted such amendment or addition.

 

2.3 「客户」同意遵从及履行「本协议」所载之一切条款，倘「银行」因「客户」违反或不遵从履行「本协议」所载之条款，以致「银行」直接或间接遭受、蒙受、承担损失或所引致的一切法律费用及行政费用，「客户」同意对「银行」作出赔偿(包括但不限于全数赔偿法律费用、成本、支出及其他合理地承担的支出)。

2.3 The Customer agrees to comply with and perform all the terms set out in this Agreement and the Customer agrees to indemnify the Bank (including but not limited to full indemnification of legal fees, costs, expenses and other reasonably incurred expenses) against all legal fees and administrative costs suffered, sustained or incurred by the Bank directly or indirectly as a result of the Customer's breach of or non-compliance with the terms set out in this Agreement.

 

2.4 在正当之情况下，「银行」无需事先通知及给予任何理由，随时行使其绝对决定权，拒绝执行或撤销经电子银行服务可进行的任何交易，并终止或限制「客户」使用电子银行服务。「客户」不能藉此向「银行」追究任何责任。

2.4 The Bank may, in its absolute discretion, at any time and without prior notice and without giving any reason, refuse to perform or cancel any Transaction that may be effected through the e-Banking Services and terminate or restrict the use of the e-Banking Services by the Customer. The Customer shall have no liability to the Bank in respect thereof.

 

2.5 「银行」随时有绝对的权利决定接受「客户」的指示作为「客户」的代理人，代其与第三者进行交易；但为此「银行」一概无须就该第三者的任何行为负上任何法律责任(包括但不限于该第三者的任何未执行或延误执行「银行」代「客户」发出的指示)。「客户」知悉及确认该等交易由「银行」作为其代理人与第三者所执行之交易受有关适用条款及条件所管辖及限制，并且「客户」同意授权「银行」向该第三者披露「客户」对有关交易的任何数据。

2.5 The Bank shall at all times have the absolute discretion to accept Instructions from the Customer to act as the Customer's agent in dealing with third parties on his behalf. For this purpose, the Bank shall not be liable for any act of such third party (including but not limited to any failure or delay by such third party in carrying out the instructions given by the Bank on behalf of the Customer). The Customer is aware and acknowledges that such Transactions are governed by and subject to the respectively applicable terms and conditions and are executed by the Bank as its agent with the third party and the Customer agrees to authorise the Bank to disclose to such third party any information relating to such Transactions of the Customer.

 

2.6 「本行」责任的限制

2.6 Limitation of the Bank's Liability

 

2.6.1 除因「本行」严重疏忽或故意失责外，本行概不就以下各项负责：

阻延或干扰「客户」取用账户或服务，或未能使用账户或服务；或透过互联网或任何其他媒介发送讯息出现任何遗失、错误、延迟、错误指示、舞弊或未经授权的修改或截取，或服务、帐户或数据未经授权而被取用；或未能执行或执行「客户」的指示时出现错误；或任何软件、设备或系统出现任何错误、操作失常、中断、暂停、不足或故障；或任何可损害计算机硬件或软件功能的东西（包括任何计算机病毒）；或因终止「客户」的账户或终止向「客户」提供任何服务而产生的任何损失或损害；或其他法律容许的情况。

Except for gross negligence or wilful misconduct on the part of the Bank, the Bank shall not be liable for the following:

Delay or interference with the Customer's access to, or failure to use, the Account or the service; or any loss, error, delay, misdirection, fraud or unauthorised alteration or interception of messages sent via the internet or any other medium, or unauthorised access to services, accounts or data; or failure to execute or error in executing the Customer's Instructions; or any error, malfunction, interruption, suspension, deficiency or failure of any software, equipment or system; or anything that could impair the functionality of the computer’s hardware or software (including any computer viruses); or any loss or damage arising from the termination of the Customer's Account or any service provided to Customer; or as otherwise permitted by law.

 

2.6.2 「本行」毋须就第三方、政府、市场干扰或任何超出本行可控制范围的事件造成的任何损失对「客户」和第三方负责。就「本行」的作为或不作为而言，只须就严重疏忽或欺诈行为负责。「本行」毋须就「本行」有关办事处被禁止执行事务而向「客户」交代。

2.6.2. The Bank shall not be liable to the Customer and third parties for any loss caused by third parties, government, market disruption or any event beyond the Bank's control. The Bank shall only be liable for gross negligence or fraud in respect of acts or omissions of the Bank. The Bank shall not be liable to the Customer in respect of any prohibited act of the Bank's office.

 

2.6.3 本行提供的任何数据仅作参考。除另有说明者外，该等资料并非要约。「客户」知悉本行并无就任何资料或投资结果作出陈述、保证或担保。除另有说明者外，所提供的任何价格、利率或其他报价仅作参考，并可于「本行」确认接受「客户」的要约前毋须给予通知而更改。除另有说明者外，「客户」应付的价格并不包括（而「客户」将额外支付）适用的税项、税费、交易征费、合理费用及开支。

2.6.3 Any information provided by the Bank is for reference only. Unless otherwise stated, such information shall not be treated as an offer. The Customer acknowledges that the Bank makes no representations, warranties or guarantees regarding any information or investment results. Unless otherwise stated, any prices, interest rates or other quotations provided are for reference only, and may be altered without notice to the Customer before the Bank confirms acceptance of the Customer's offer. Unless otherwise stated, the price payable by the Customer shall not include (and the Customer shall additionally pay) applicable taxes, duties, levies, transaction levies, reasonable fees and expenses.

 

2.6.4 如根据任何适用法律「本行」须对任何损害赔偿负上法律责任，其责任将只限于该有关交易的金额，或只限于「客户」的直接损害金额，两者中取较低者，而该等法律责任并不包括间接损害。无论如何，该等法律责任应排除赔偿间接损害。

2.6.4 In the event that the Bank is liable for any damages under any applicable law, its liability shall be limited to the amount of the relevant Transaction or to the Customer's direct damages, whichever is lower, and such liability shall not include consequential damages. In any event, such liability shall exclude compensation for consequential damages.

 

2.6.5 「本协议」第2条在适用法律所容许的范围内施行。

2.6.5 Article 2 of this Agreement shall be enforceable to the extent permitted by applicable law.

 

3.      「用户名称」及「密码」

3.      User Name and Password

 

3.1 「客户」承认「用户名称」及「密码」均属机密性质，「客户」有责任确保及采取一切必要之预防措施对「用户名称」及「密码」严加保密。「客户」同意及知悉，如不慎或遭人盗用或向他人披露，不论其属故意或非故意，「客户」同意完全承担相关责任及风险。

3.1 The Customer acknowledges that the User Name and the Password are confidential and that it is the responsibility of the Customer to ensure and take all necessary precautions to maintain the confidentiality of the User Name and the Password. The Customer agrees and acknowledges that he assumes full responsibility and risk for any inadvertent error or misuse or disclosure to others, whether intentional or unintentional.

 

3.2 「客户」可随时要求更改其「密码」。在此等情况下，「密码」乃指「客户」自行选定输入之「密码」，或经「银行」批准之新「密码」。

3.2 The Customer may request a change of his/her/their Password at any time. In such cases, Password means the password entered by the Customer of his/her/their own choice or a new password approved by the Bank.

 

3.3 客户如遗失其「用户名称」及／或「密码」遭泄露、遗失及被盗用，或透过「账户」或「基本账户」进行任何未获授权之交易，「客户」必须立即致电「银行」(00853 880 95559)或以任何其他方式通知「本行」，并以书面确认其事及递交其正本予「银行」。在「银行」实际接获该通知前，通过电子银行渠道输入有关密码而透过「电子银行服务」执行之所有交易，均被视为「客户」做出之「交易」。

3.3 In the event that the Customer loses his/her/their User Name and/or Password which has been leaked, lost or misused, or any unauthorised Transaction has been conducted through the Account or the Basic Account, the Customer must immediately notify the Bank by phonecall (00853 880 95559) or by any other means and confirm the matter in written form and submit the original copy to the Bank. Until such notification is actually received by the Bank, all Transactions executed through the e-Banking Services by entering the relevant password through the e-banking channel shall be deemed to be Transactions made by the Customer.

 

3.4 「客户」谨此确认，「银行」提供的「用户名称」及客户所自行选取的「密码」有可能遭未经授权人士使用或用作未经授权用途，并同意完全承担该等风险。

3.4 The Customer hereby acknowledges that the User Name provided by the Bank and the Password chosen by the Customer may be used by unauthorised persons or for unauthorised purposes, and agrees to fully assume such risks..

 

3.5 任何提供或经重选之新「用户名称」及／或「密码」，均视为适用相同的合约和「本协议」，「客户」所承担的责任保持不变。

3.5 Any new User Name and/or Password provided or re-selected shall be deemed to be subject to the same contract and this Agreement, and the obligations of the Customer shall remain unchanged.

 

3.6 密码

3.6 Password

 

3.6.1「密码」指「本行」接受以确认使用者为客户本人之个人标识号，可包括任何识别数字、字母、代码、电子签署或其他等。透过密码，客户以「本行」所告知的一个或以上渠道进入「账户」或服务，尤其是「电子银行服务」。不同的密码可以由不同的使用者使用和/或用于不同的渠道。

3.6.1 Password means a personal identification code accepted by the Bank to identify the user as the Customer, which may include any identifying numbers, letters, codes, electronic signatures or others. The Password enables the Customer to access the Account or services, in particular the e-Banking Services, through one or more channels as advised by the Bank. Different passwords may be used by different users and/or for different channels.

 

3.6.2 不管「客户」的内部指令是否有不同的授权、签署或签字安排，任何已透过「客户」输入「密码」所发出的指示，均对「客户」具约束力。「客户」的授权签字人或签署安排的任何更改不影响「密码」的使用。如「本行」提供此项选择，则用于一个渠道的密码亦可能适用于其他服务或渠道，而任何使用将对「客户」具约束力。

3.6.2 Any Instructions given through the Customer's input of the Password shall be binding on the Customer regardless of any different authorisation, Signature or Agreed Signing Arrangement for the Customer's internal Instructions. Any change in the Customer's authorised signatory or Agreed Signing Arrangement shall not affect the use of the Password. The password used for one channel may also apply to other services or channels and any use shall be binding on the Customer if the Bank provides this option.

 

3.6.3 「客户」应尽快更改「本行」给予「客户」的密码，并于第一次使用「电子银行服务」时指定新「密码」，以及采取一切合理的审慎措施，稳妥保密「客户」的密码。假如「客户」蓄意泄露密码，所涉风险须由「客户」自负。

3.6.3 The Customer shall change the Password given by the Bank as soon as possible, and shall assign a new Password when using the e-Banking Services for the first time and take all reasonable and prudent measures to keep the Customer's Password secure and confidential. If the Customer intentionally discloses the Password, the Customer shall bear the risk involved.

 

3.6.4 假如「客户」发觉或相信「客户」的密码遭泄露、遗失或盗用，或曾发生任何未经授权交易，「客户」须在合理切实可行范围内首先尽快致电00853 880 95559，或其他由「银行」所提供的电话号码或其他方式通知「本行」，然后再以书面确认其事及递交其正本予「银行」。除「本行」根据「本协议」以善意和不可废止的方式作出的行为外，「客户」在「本行」接获「本行」合理地相信为真实的报告后所采取的任何行动，一律毋须承担任何责任。

3.6.4 If the Customer discovers or believes that the his/her/their Password has been compromised, lost or misused or that any unauthorised Transaction has occurred, the Customer shall first notify the Bank as soon as reasonably practicable by calling 00853 880 95559 or such other telephone number or other means as may be provided by the Bank before submitting the original written confirmation thereof to the Bank. Except for acts done by the Bank in good faith and in an irrevocable manner under this Agreement, the Customer shall not be liable for any action taken by the Bank upon receipt by the Bank of a report which the Bank reasonably believes to be true.

 

3.6.5 假如「客户」以欺诈手法行事或因严重疏忽，或容许第三方使用「客户」的「密码」，或未能遵守「本协议」，尤其是第 3.6.3或 3.6.4条规定之客户义务，「客户」有责任承担所有损失。然而，在不影响上述规定之情况下，「客户」毋须就因透过「客户」的账户进行的未经授权交易而蒙受的直接损失负责，但不适用于以下情况：

(a) 未经授权指示是以电子方式发出，

(b) 「客户」是个人（不包括独资商号、合伙、会社及社团），或

(c) 透过用作支付商品及服务费用或提取现金的任何卡进行的未经授权交易。

3.6.5 The Customer shall be liable for all losses if the Customer acts fraudulently or with gross negligence or allows third parties to use the Customer's Password or fails to comply with the Customer's obligations under this Agreement, in particular Article 3.6.3 or 3.6.4. However, without prejudice to the foregoing, the Customer shall not be liable for direct losses incurred as a result of unauthorized Transactions conducted through the Customer's Account, except in the following cases:

(a) the unauthorised instruction is given by electronic means;

(b) the Customer is an individual (excluding sole proprietorships, partnerships, alliance and association), or

(c) the unauthorised Transaction is made through any card used to pay for goods and services or to withdraw cash.

 

4. 「客户」承认及同意

4. Acknowledgement and Consent of the Customer

 

4.1 「客户」知悉及承认，「电子银行服务」是「客户」与「银行」之间协议交易之附加服务，并不应被视为认可之交易方法。如因任何理由无法使用「电子银行服务」，「客户」有责任使用其他方法以完成交易。

4.1 The Customer is aware and acknowledges that the e-Banking Services are additional to the agreed Transactions between the Customer and the Bank, and should not be regarded as a recognised method of Transaction. It is the responsibility of the Customer to use alternative methods to complete the Transaction, if for any reason the e-Banking Service is not available.

 

4.2 「客户」知悉在发出交易「指示 」之前，有责任核对所进行之一切事务数据完全正确，并在「银行」限定时间内确认所发送的「指示」无误，而银行毋须对「客户」的错误和不作为负责。一旦「银行」收到「客户」的「指示」确认时，「交易」便不能撤销；然而，「银行」不保证按照某一指示行事，直至「银行」执行该「指示」为止。「客户」并承认「银行」有权依照其内部营业操作指引行事。只有在该「指示」符合营业操作指引及实际可行时，该「指示」方被接受。「银行」最终保留一切解释「本协议」的权利。

4.2 The Customer acknowledges that it is his/her/their responsibility to check that all Transaction information is correct before giving an Instruction to the Bank, and to confirm the Instructions are correct within the Bank’s limited timeframe. The Bank shall not be liable for any error or omission on the part of the Customer. Once the Bank receives confirmation of the Customer’s Instruction, the Transaction cannot be revoked. However, The Bank does not guarantee that an instruction will be followed until the Bank executes the Instruction. The Customer also acknowledges that the Bank has the right to act in accordance with its internal operating guidelines. The Instruction will only be accepted if it complies with the business operation guidelines and is practicable. The Bank ultimately reserves all rights to interpret this Agreement.

 

4.3 「客户」知悉「指示」传递中可能出现错误、延误、或不完整的讯息，而任何个案、行为均以「银行」收妥的「指示」为准。「银行」将这些「指示」加予记录，该等记录可以电子格式、复印本或其他途径作出保存或复制，且在任何法院及各方面均作为最终及决定性的证据。

4.3 The Customer is aware of errors, delays or incomplete information that may occur in the delivery of Instructions. Any cases and conducts are subject to the Instructions received by the Bank. The Bank shall keep a record of such Instructions, which may be kept or reproduced in electronic form, by photocopy or otherwise, and shall be final and conclusive evidence in any court and in all respects.

 

4.4 「客户」知悉若「银行」收妥「指示」的时间超过正常「电子银行服务」的业务时间或「银行」视该时间为非「电子银行服务」时间时，「银行」可自行决定该「指示」在即日、次日或次一「营业日」处理。「客户」同意「银行」有权决定「指示」的处理时间。

4.4 The Customer acknowledges that if the Bank receives an Instruction after normal e-Banking Service business hours or if the Bank considers such hours to be non-e-Banking Service hours, the Bank may, at its sole discretion, process the Instruction on the same day, the next day or the next Business Day. The Customer agrees that the Bank has the right to determine the processing time of the Instruction.

 

4.5 「银行」可不时要求书面确认由客户事先指定予「银行」之各种「交易」。「客户」一旦收到此等交易凭证，须加以检查。如发现任何错误，须实时通知「银行」。如「客户」在「银行」的指定期限内并无提出反对，此等确认即已作实及具决定性，并对「客户」具约束力。

4.5 The Bank may, from time to time, require written confirmation of various Transactions specified by the Customer to the Bank in advance. The Customer shall check such Transaction certificates once received. If any errors are found, the Bank shall be notified immediately. If the Customer does not object within the timeframe specified by the Bank, such confirmation shall be confirmed and conclusive and shall be binding on the Customer.

 

 4.6 若「客户」的指定「账户」内并无足够资金或预先安排的信贷余额不足以执行拟定「交易」，则「银行」不会接纳或执行「指示」。「银行」一概无须因指示执行失败而产生的任何后果负责。

4.6 The Bank shall not accept or execute the Instruction if there is insufficient funds or pre-arranged credit balances in the Customer's designated account to execute the intended Transaction. In case the Bank fails to execute the Instruction, the Bank shall not be liable for any consequences resulting therefrom.

 

4.7 尽管「客户」的指定「账户」内并无足够资金或预先安排的信贷余额不足以执行拟定「交易」，而且不论拟定进行交易的个别交易的任何条款有否相反规定，在不影响第4.6条之情况下，「银行」有绝对决定权，有权(但无责任)在毋须事先通知「客户」或获得其同意下，便可接纳及执行「指示」。「客户」须负责由此导致的借差或透支、预支或信贷（或其任何增加）及有关的所有「银行」的划一收费。该等欠款连同其利息须于「银行」要求时偿还。该利息由执行有关指示日计至实际偿还日止（包括首尾两日），利率由「银行」决定为未经许可透支而适用的利率（不论是在判定前或后被授予）。

4.7 Without prejudice to Article 4.6, even if there is insufficient funds or pre-arranged credit balance in the Customer's designated account, and notwithstanding anything to the contrary in any provision of the contemplated individual Transaction, the Bank shall have the absolute discretion (but not the obligation) to accept and execute the Instruction, without prior notice to the Customer or obtaining his/her/their consent. The Customer shall be liable for the debit or overdraft, advance payment or credit (or any increase thereof) and all standard charges of the Bank in relation thereto. Such arrears together with their interest shall be repaid upon request by the Bank. The interest shall be calculated from the date of execution of the relevant Instruction to the date of actual repayment (both dates inclusive), and the interest rate (whether before or after judgement) shall be applicable interest rate as unauthorized   overdrafts as determined by the Bank.

 

4.8 若根据本条款第4.7条下「客户」而产生债务时，「银行」有权（但无责任）在毋须通知「客户」的情况下，按其认为需要的时间及价钱（但无任何责任获取最佳价格），订立其他交易，以抵销或对销根据指示而引致上述债务的「交易」。由此导致遭受或招致之任何损失、损害、债务或费用一概由客户承担，并由「银行」选择从「客户」的任何账户中扣除；但任何收益则绝对归「银行」所有并保留供「银行」本身使用与受益。「银行」对该等损失、损害、债务或费用款额所发出之书面证明对客户具约束力及终局性。

4.8 In the event that the Customer incurs debt under Article 4.7, the Bank has the right (but shall not be obliged) to enter into other Transaction at any time and  price (without any obligation to obtain the best price) as it considers necessary to offset or counter trade the Transaction executed in accordance with the Instruction without notifying the Customer. Any loss, damage, liability or cost suffered or incurred as a result thereof shall be borne by the Customer, and shall be deducted by the Bank from any Account of the Customer as determined by the Bank. However, any proceeds are absolutely vested in the Bank and shall be retained for the Bank's own use and benefit. Any written certification issued by the Bank on such loss, damage, liability or cost shall be final and binding on the Customer.

 

4.9 所有在「银行」计算机信息记录有关「电子银行服务」之「交易」及讯息，包括适用之汇率（「银行」错误除外）均对「客户」有约束力，并具确定性。

4.9 All Transactions and messages relating to the e-Banking Services recorded in the Bank's computerised information records, including applicable exchange rates (except for the Bank’s errors), shall be binding on the Customer and shall be conclusive.

5. 「银行」之责任

5. Liability of the Bank

 

5.1 「银行」与其共同合作的第三者供货商，均不保证「客户」所使用的「电子银行服务」不受计算机病毒或其他破坏性程序的入侵而影响「客户」之计算机硬件或软件设备。

5.1 Neither the Bank nor its co-operating third-party providers guarantees that the e-Banking Services used by the Customer will be free from computer viruses or other destructive programs that may affect the Customer's computer hardware or software equipment.

 

5.2 「银行」须保障「电子银行服务」的各项条款符合澳门和澳门金融管理局的各项法例及规则，并采取适当可行的方法以确保「电子银行服务」的系统正常运作，装置足够的保安设备，并定时监控系统运作，防范有关系统运作上的风险。

5.2 The Bank shall ensure that the terms and conditions of the e-Banking Services comply with the laws and regulations of Macau and the Monetary Authority of Macau, and shall take appropriate and feasible measures to ensure the proper functioning of the e-Banking Services system, namely install adequate security equipment, and monitor the operation of the system regularly to prevent risks associated with the operation of the system.

 

5.3 「银行」不会向「客户」或任何第三方承担任何有关以下情况发生后的法律责任或其他责任：

5.3 The Bank shall not be liable to the Customer or any third party for any legal or other liability in respect of the occurrence of the following:

 5.3.1 「银行」的计算机系统、设备或相关的通讯网络之延误、故障、错误所引致之「电子银行服务」故障、「指示」讯息延误或错误，使「客户」完全或局部不能使用「电子银行服务」或导致「客户」因此而蒙受之任何损失；

5.3.1 Delays, failures or errors in the Bank's computer systems, equipment or related communication networks which result in the failure of the e-Banking Services, delays in or errors in the  Instruction’sinformation and the Customer's total or partial inability to use the e-Banking Services or any loss suffered by the Customer as a result thereof;

 

5.3.2 任何第三者（不限于是否与「银行」共同合作的第三者）所引致的错误、延误或故障；

5.3.2 Errors, delays or failures caused by any third party (not limited to the Bank’s co-operating third-party);

 

5.3.3 「银行」须确保「电子银行服务」所提供之数据定期更新。但「客户」同意透过「电子银行服务」收取之数据只供参考，「银行」无须为资料的准确性而承担任何法律责任或其他责任。「银行」亦不需对因使用该等数据而作出的决定负责。在任何情况下，亦不需对使用或不能使用其而引致的损失或损害负责。

5.3.3 The Bank shall ensure that the information provided by the e-Banking Services is updated regularly. However, the Customer agrees that the information received through the e-Banking Services is for reference only and the Bank shall not be liable or otherwise responsible for the accuracy of the information. The Bank shall not be liable for decisions made as a result of the use of such information. In no event shall the Bank be liable for any loss or damage arising out of the use or inability to use it.

5.3.4 「银行」有权就以下引起或与以下有关的一切诉讼、申索、费用、损失，免除「银行」一切法律责任及对「客户」作出追讨：

5.3.4 The Bank shall be entitled to exempt itself from all legal responsibilities and recover from the Customer in respect of all lawsuits, claims, costs and losses arising from or related to the following:

 

(a) 非「客户」本身及非「客户」指定的授权人使用「客户」之「用户名称」及「密码」透过「电子银行服务」发送任何「指示」予「银行」，并已按授权及内部营业操作指引执行及完成有关的「指示」，其中包括获取关于「客户」或其他人之数据。

(a) the use of the Customer's User Name and Password by an Authorized Person other than the Customer itself and other than the Customer's designated authorized person to send any Instruction to the Bank through the e-Banking Services, and the execution of such Instruction is completed in accordance with the authorization and internal business practices guidelines, including the obtaining of information relating to the Customer or other persons.

 

(b) 非「银行」所能控制之行为或疏忽，如因「银行」的系统、计算机硬件或软件设备功能失常所引致由「客户」透过「电子银行服务」所提供予「银行」的「指示」错误或延误。

(b) Conducts or omissions beyond the Bank's control, such as errors or delays in Customer’s Instructions provided to the Bank through the e-Banking Services due to malfunctioning of the Bank's systems, computer hardware or software equipment.

 

(c) 按照「客户」不时向「银行」提供及登记之经「客户」确定的数据（不限于是否经「电子银行服务」提交）而最后透过「电子银行服务」作出交易「指示」。

(c) The Instruction for the Transaction which is finally made through the e-Banking Services in accordance with the information provided and registered by the Customer to the Bank from time to time (not limited to whether or not submitted through the e-Banking Services).

 

6. 「客户」之责任

6. Liability of the Customer

 

6.1 「客户」同意遵守「本协议」及由「银行」不时发出就使用「电子银行服务」的操作指引。

6.1 The Customer agrees to abide by this Agreement and the operational guidelines issued by the Bank, from time to time, in relation to the use of the e-Banking Services.

 

6.2 「客户」须负责由其所引起的故意诈骗及／或严重的疏忽之行为及「交易」所产生的一切后果。

6.2 The Customer shall be liable for all consequences arising from intentional fraud and/or gross negligence actions and Transactions caused by him/her.

 

6.3 如「客户」未有采取一切合理的步骤，保障「用户名称」及／或「密码」保密及不被盗窃或不遗失，「客户」亦须承担因其故意及/或严重疏忽所产生的行为或交易带来的任何结果负责。

6.3 If the Customer fails to take all reasonable steps to safeguard the confidentiality of the User Name and/or the Password, and to protect them from theft or loss, the Customer shall also be liable for any consequences arising from its intentional and/or gross negligence acts or Transactions.

 

6.4 除「本协议」具明文许可外，「客户」不可故意或试图披露、分享、传阅、下载、复印及以其他方式或方法向任何第三者提供「电子银行服务」提供的任何数据，或以「电子银行服务」提供的任何数据作非法用途。

6.4 Except as expressly permitted by this Agreement, the Customer shall not knowingly or intentionally disclose, share, circulate, download, copy and otherwise make available to any third party any information provided by the e-Banking Services or use any information provided by the e-Banking Services for any unlawful purpose.

 

7. 个人资料的使用及披露

7. Use and Disclosure of Personal Data

 

「客户」知悉并同意授权「银行」收集就「电子银行服务」所需有关「客户」之个人资料及其它资料或相关之帐户「交易」记录，用作现时的个人资料保护声明或「本行」政策所指定的用途(包括在《个人资料保护法》订定之个人资料处理程序)，及向任何第三方（在澳门境内或境外）的人士披露。有关本行对个人资料的收集及使用详情，客户可查阅「本行」的《个人资料收集声明》。

The Customer acknowledges and agrees to authorize the Bank to collect personal data and other information relating to the Customer or related Transaction records required for the e-Banking Services, and for the purposes specified in the current Personal Data Protection Statement or the Bank's policies (including the personal data processing procedures set out in the “Personal Data Protection Act”), and for disclosure to any third party (within or outside Macau). The Customers may refer to the “Personal Information Collection Statement” of the Bank for more details of the collection and use of personal data by the Bank.

 

8. 支出及费用

8. Expenses and Fees

 

8.1 「银行」保留权利要求「客户」就「电子银行服务」缴付费用及收费，「银行」可在向「客户」发出不少于 30天事先书面通知后，可更改此等费用及收费标准，但非「银行」所能控制之原因而更改费用及收费，则「银行」将按当时情况给予「客户」合理之通知期。

8.1 The Bank reserves the right to require the Customer to pay fees and expenses in respect of the e-Banking Services. The Bank may alter such fees and charges upon not less than 30 days' prior written notice to the Customer. However, if the reasons for such variation of fees and charges are beyond the Bank's control, the Bank will notify the Customer in a reasonable timeframe as appropriate.

 

8.2 「客户」须承担为「客户」提供与「电子银行服务」有关之电讯设备及互联网使用设备／装置、或为此等设备／装置提供服务之电讯公司及／或互联网服务提供商所征收之任何费用、收费及支出，包括但不限于附加费、国际长途电话服务及漫游服务费用（如有者）。

8.2 The Customer shall be responsible for any fees, charges and expenses including but not limited to surcharges, IDD service and roaming service charges (if applicable) imposed by telecommunications companies and/or internet service providers for the provision of telecommunications equipment and internet access equipment/devices or the provision of services to such equipment/devices in connection with the e-Banking Services to the Customer.

 

8.3 「客户」同意缴付「银行」所不时通知而与提供及使用「电子银行服务」有关之一切费用；「客户」现授权「银行」将此等费用在「客户」之「基本账户」内扣除，有关费用须预先缴付及不会退还。

8.3 The Customer agrees to pay all charges related to the provision and use of the e-Banking Services as notified by the Bank from time to time. The Customer hereby authorises the Bank to debit such charges from the Basic Account of the Customer, and such charges shall be payable in advance and are non-refundable.

 

9. 暂时中止及终止服务

9. Suspension and Termination of Service

 

9.1 「银行」可自行决定是否批准「客户」使用「电子银行服务」；「银行」可因正当理由（包括但不限于有关电讯公司及互联网服务提供商所引致与其网络有关之故障、维修、修改、扩大及／或改善工程）完全或局部暂停或终止「电子银行服务」, 而无须事先通知「客户」。「银行」无须为暂停或终止「电子银行服务」承担任何法律责任或其他责任。

9.1 The Bank may, at its sole discretion, approve the use of the e-Banking Services by the Customer. The Bank may suspend or terminate the e-Banking Services in whole or in part without prior notice to the Customer for justifiable reasons, including but not limited to malfunctions, repairs, modifications, extensions and/or improvements to its network caused by the relevant telecommunications companies and internet service providers. The Bank shall not be liable or responsible for any suspension or termination of the e-Banking Services.

 

9.2 「客户」一旦结束相关户口，即无法透过「电子银行服务」处理相关交易。

9.2 Once the relevant Account is closed, the Customer will not be able to process the relevant Transactions through the e-Banking Services.

 

9.3 除上述条款外，「客户」可书面通知「银行」停止使用「电子银行服务」。而暂时中止使用「电子银行服务」并不会影响「客户」行使已开立账户之权利及责任。

9.3 In addition to the above, the Customer may cease to use the e-Banking Services by giving written notice to the Bank. Such suspension shall not affect the exercise of the Customer's rights and obligations in respect of the Account(s) already opened.

 

10. 服务条件

10. Conditions of Service

 

10.1 「银行」将保留权利并自行决定不时修改、扩大、缩减、暂时中止或更改「电子银行服务」之范围，而无须作出事前通知。「银行」无须对任何此等更改所产生的任何损失负责。

10.1 The Bank reserves the right to modify, expand, reduce, suspend or change the scope of the e-Banking Services, from time to time, at its sole discretion without prior notice. The Bank shall not be liable for any loss arising from any such changes.

 

10.2 为使「电子银行服务」有效运作，「银行」有权订下其认为适当之限制。在不影响此等条款之原则下，「银行」可通知「客户」各项理财指示及委托涉及之最低或最高金额。

 10.2 For the effective operation of the e-Banking Services, the Bank shall have the right to impose such restrictions as it considers appropriate. Without prejudice to these terms, the Bank may notify the Customer of the minimum or maximum amount involved in each financial instruction and mandate .

 

10.3 「客户」可在「银行」指定之服务时间内使用「电子银行服务」。「客户」亦可透过「电子银行服务」开立定期存款，其通讯地址将与「电子银行服务」之「基本帐户」之通讯地址相同。适用于此账户的条款和适用于「客户」指定之「基本账户」的条款相同, 并以「本协议」为准。「银行」可对透过「电子银行服务」开立的账户制定其认为适当的特别规则或限制。此账户的受权人和使用者和「基本账户」之「客户」为一致的。

10.3 The e-Banking Services may be used by the Customer during the service hours specified by the Bank. The Customer may also open a time deposit through the e-Banking Services with the same correspondence address as that of the Basic Account under the e-Banking Services. The terms and conditions applicable to the said account shall be the same as those applicable to the Basic Account designated by the Customer and shall be governed by this Agreement. The Bank may impose such special rules or restrictions on accounts opened through the e-Banking Services as it deems appropriate. The authorised person and user of the said account shall be the same as the Customer of the Basic Account.

 

10.4 在任何「营业日」执行之「交易」，「银行」有绝对决定权将该「交易」视为下一个「营业日」生效；并同时保留更改截止时间之权利，而无须事先通知「客户」。

10.4 The Transaction executed on any Business Day shall, at the Bank's absolute discretion, be deemed to be effective on the next Business Day, and the Bank reserves the right to alter the cut-off time without prior notice to the Customer.

 

11. 预设指示

11. Forward-dated Instruction

 

「默认指示」是「电子银行服务」提供的一种服务。该项服务使「客户」能预先给予「银行」「指示」以执行特定交易。该等交易包括但不限于金额转账及缴付账单。

Forward-dated Instruction is a kind of service provided by e-Banking Service. This service enables the Customer to give Instructions to the Bank in advance in order to carry out specific Transactions. These Transactions include, but are not limited to, money transfers and bill payments.

 

11.1 「客户」知悉及同意「银行」将于指定之执行日期执行「预设指示」，惟「银行」不会对任何延误执行「指示」、或银行认为因输入「预设指示」不清楚或不完整而未能执行、或「客户」未能于「银行」指定之截数时间前递交「预设指示」之情况，而引致「客户」之直接或间接蒙受之任何损失、损害或费用，「银行」不负上任何责任。

11.1 The Customer acknowledges and agrees that the Bank will execute the forward-dated instruction on the specified date for execution. However, the Bank shall not be liable for any directly or consequential loss, damage or expense suffered by the Customer due to any delay in executing the forward-dated instruction, or any failure to execute the forward-dated instruction which, in the opinion of the Bank, is due to unclear or incomplete input of the forward-dated instruction, or any failure to submit the forward-dated instruction by the Customer by the cut-off time specified by the Bank.

 

11.2 倘执行「预设指示」之日期为「银行」假期，则「银行」假期后之下一个工作日将为执行日期。

11.2 If the date of execution of a forward-dated instruction falls on a bank holiday, execution date shall be the next Business Day after the bank holiday.

 

11.3 「客户」知悉须于执行日当天营业时间结束前在指定户口内备有足够款项以便支付「预设指示」。倘存款不足，「银行」将毋须执行「预设指示」，而「银行」亦有绝对决定权终止执行「预设指示」，并就每项未能执行之「预设指示」收取有关费用。

11.3 The Customer is aware that sufficient funds must be available in the designated account for payment of the forward-dated instruction by the end of business hours on the day of execution. In the event of insufficient funds in the designated account, the Bank shall not be required to execute the forward-dated instruction, and shall have the absolute discretion to terminate the forward-dated instruction and charge a fee for each forward-dated instruction that is not executed.

 

11.4 「银行」在接收「预设指示」的执行日期之后，「银行」有绝对决定权认为未有足够时间或在不能控制情况下不能执行。在该等情况下，「银行」可无须接受「预设指示」之更改或取消。

11.4 After the Bank receives the execution date of the forward-dated instruction, the Bank shall have the absolute discretion to determine that there is insufficient time or circumstances beyond its control to execute it. In such circumstances, the Bank may not be obliged to accept the amendment or cancellation of the forward-dated instruction.

12. 法律

12. Law

 

12.1 「本协议」受澳门法律管辖，并按照其解释。澳门法院对任何因「本协议」和使用「电子银行服务」而引起或与其相关的冲突有非专属管辖权。

12.1 This Agreement shall be governed by and construed in accordance with the laws of Macau. The courts of Macau shall have non-exclusive jurisdiction over any conflict arising from or in connection with this Agreement and the use of the e-Banking Services.

 

12.2 「客户」授权「本行」可根据任何司法管辖区之任何法律、规则或规例，将有关客户之帐户及／或交易之一切数据，披露及转移予相关人士或机构。

12.2 The Customer authorises the Bank to disclose and transfer all information relating to the Customer's Account and/or Transactions to relevant persons or organisations in accordance with any law, rule or regulation of any jurisdiction.

 

12.3 在「本协议」中每一条款及规定与其他条款是可分割开的并独立于其他条款。倘若根据适用法律，「本协议」中任何条款或规定被认为不合法、无效或不能执行，则须尽可能在法律许可程度下予以施行，而「本协议」之其余部分仍具完全效力及作用。

12.3 Each of the terms and provisions of this Agreement is severable from and independent of the other terms. If any term or provision of this Agreement is considered illegal, invalid or unenforceable under the applicable law, it shall be enforced to the fullest extent permitted by law and the remainder of this Agreement shall remain in full force and effect.

 

12.4 「银行」于行使「本协议」赋予之权利、权力及补偿权时之任何作为，延迟或不作为，均不得影响其后或进一步行使该项权利、权力及补偿权。「本协议」赋予之权利及补救措施可予累积行使，及不会与法律规定之任何权利及补救措施排斥。

12.4 No act, delay or omission on the part of the Bank in exercising the rights, powers and remedies conferred by this Agreement shall affect any subsequent or further exercise of such rights, powers and remedies. The rights and remedies conferred by this Agreement shall be cumulative and not exclusive of any rights and remedies provided by law.