Terms and Conditions for the use of the Standard Chartered Face Login Service

1. Scope of Application
   1. These terms and conditions ("Terms") apply to and regulate your use of the Standard Chartered Face Login service provided by Standard Chartered Bank (China) Limited (“the Bank" or “we” or “Standard Chartered”) and shall be legally binding on customers and us. Both customers and we shall comply with the Terms.
   2. Before register to use the Standard Chartered Face Login service, or using the Standard Chartered Face Login service for the first time, the customer shall carefully read the Terms and fully understand relevant provisions hereof, and the customer shall have the right to require us to provide sufficient explanation about the Terms.  By undergoing the registration process to use the Standard Chartered Face Login service, or using the Standard Chartered Face Login service, you accept and agree to these Terms.
2. Provision of Service
   1. The Standard Chartered Face Login service is a service where you may use your face registered on a permitted mobile device in lieu of your Standard Chartered online/mobile banking user ID and password as a security code to confirm your identity to access the Bank’s mobile banking services.
   2. You acknowledge and agree that in order to use the Standard Chartered Face Login service:
      1. You must be a valid user of our mobile banking services;
      2. You must install our mobile app using a permitted mobile device.
      3. You will need to activate the face recognition function on your permitted mobile device and register at least one of your faces to control access to the permitted mobile device
      4. You will be required to undergo a registration process using your Standard Chartered online/mobile banking user ID and password to choose to use the faces stored on your permitted mobile device for accessing our mobile banking services; upon the successful registration process, the face stored on your permitted mobile device will be a security code;
   3. You may still choose to access the mobile app using your Standard Chartered online/mobile banking user ID and password.
3. Identity Verification
   1. Login to or authorise transactions via Standard Chartered Mobile banking service, you are deemed to have accessed the mobile banking services and/or instructed us to perform such transactions as the case may be. Instructions by Face authentication cannot be cancelled and shall be treated as the only instruction. You shall be responsible for the consequences caused by the instruction that you have given by Face Login service.
   2. You acknowledge that the authentication is performed by the mobile app by interfacing with the face authentication module on the permitted mobile device and that you agree to the authentication process.
   3. You can deactivate the Standard Chartered Face Login service at any time using the bottom More menu on the mobile app once you are signed in.
   4. You acknowledge and agree that, for the purposes of the Standard Chartered Face Login service, the mobile app will be accessing the face registered in your permitted mobile device, and you hereby consent to the Bank accessing and using such information for the provision of the Standard Chartered Face Login service.
4. Security Guarantee
   1. You agree to proper protect your permitted mobile device and shall be responsible for any risks and losses arising from all uses of your permitted mobile device by unauthorized person. You shall take any reasonable actions to ensure the safety of the passport or code that shall be used to login Face Login service on your permitted mobile device.
   2. You shall ensure that only your own faces are stored on your permitted mobile device to access the device and you understand that upon the successful registration of your permitted mobile device, any face that is stored on your permitted mobile device can be used to access Standard Chartered mobile banking including access to, and operations of, your accounts.
   3. If you inform us that the security of your face or other security code has been leaked, please contact our Customer Service Centre immediately to stop all or part of your online banking services. We may require you, and you agree upon our request, to change the security code, re-register your face or cease the use of the Standard Chartered Face Login service.
5. Risk Warning and Liability Provisions
   1. You understand that the face authentication module on the permitted mobile device is provided by the third party, and we make no representation or warranty as to the security of the face authentication function of any permitted mobile device and whether it works in the way that the third party of the device represents. If there is any loss arising from recognition, comparison and verification problems for a certain type of mobile device, you need to negotiate with the manufacturer of the mobile device, and it has nothing to do with the bank.
   2. We do not represent or warrant that the Standard Chartered Face Login service will be accessible at all times, or function with any electronic equipment, software, infrastructure or other online banking services that we may offer from time to time.
   3. Unless a law prohibits us from excluding or limiting our liability, we are not liable for any loss you incur in connection with the use or attempted use of the Standard Chartered Face Login service, or your instructions, or any unauthorised transactions through or in connection with the Standard Chartered Face Login service.
   4. You agree to undertake any direct or indirect claims, legal procedures, legal liabilities, loses, damages arising from our actions in accordance with your orders or notices and all expenses (including all legal costs) which are of reasonable amount whatsoever and howsoever caused that may arise to be reasonably incurred by us in providing Standard Chartered Face Login service to you. And you promise to indemnify us, upon our request, for the losses and expenses that we have suffered.
   5. You should not use face authentication module if you have an identical twin sibling, in which case you are recommended to use the Standard Chartered online/mobile banking user ID and password to log on to the Standard Chartered mobile banking service;
   6. You should not use face authentication module if you are an adolescence while your facial features may be undergoing a rapid stage of development, in which case you are recommended to use the Standard Chartered online/mobile banking user ID and password to log on to the Standard Chartered mobile banking service;
   7. You should not take any action to disable any function provided by, and/or agreeing to any settings of, your mobile device that would otherwise compromise the security of the use of your login credentials for authentication purposes.
6. Miscellaneous
   1. Permitted mobile device means Apple iPhone X or higher versions and such other electronic equipment that we may enable for use with the Standard Chartered Face Login service from time to time and includes the operating system or software that the device operates on. Please contact us for the current list of such electronic equipment.
   2. Unless otherwise specified herein, we may suspend, or at any time and from time to time, amend the Terms and/or add new clauses. Termination, or any amendment of and/or any addition to the Terms shall become effective as of the designated date after we provide reasonable notice/announcement to customers. If customers refuse to accept relevant amendment and/or addition, they may give written notices to us to apply for termination of all/part of Online Banking Services pursuant to relevant procedures (if any) of us. If customers do not explicitly require us to terminate all/part of Online Banking Services and continue to retain or use these Services ON OR AFTER THE EFFECTIVE DATE OF SUCH AMENDMENT AND/OR ADDITION, SUCH AMENDMENT AND/OR ADDITION SHALL BECOME BINDING UPON CUSTOMERS.
   3. The Standard Chartered Face Login service is provided as part of the Bank’s online banking services, The Terms shall serve as supplementary terms to the online banking Terms and Conditions , In case the Terms conflict in any way with the Terms and Conditions of Bank Accounts and Services, the Terms shall prevail with respect to Online Banking Services. the Online Banking Terms & Conditions may be accessed at [https://www.sc.com/cn/en/bank-with-us/e-banking-terms-conditions/];
   4. If the Terms have an English version, such English version shall be intended for reference only; in case of any inconsistency between the English version and the Chinese version, the Chinese version shall prevail.
   5. The Terms are amended and published on our official website www.sc.com/cn in March 2018, and the Terms, as amended, will take effect as of 24^th , March 2018. As of the date of effectiveness, unless otherwise notified by us, the Terms will supersede all previous terms (if any) in respect of these Services.