Standard Chartered Bank (China) Limited
Service Terms and Conditions of GBA Northbound Wealth Management Connect Service
These terms and conditions shall apply to the services provided by Standard Chartered Bank (China)Limited under the GBA Northbound Wealth Management Connect Service (as hereinafter defined), including but not limited to the opening and maintenance of RMB Investment Accounts (as hereinafter defined) in the Mainland, closed-loop remittance of funds initiated in Standard Chartered Bank (China) Limited and the purchase of investment and wealth management products sold by Standard Chartered Bank (China) Limited. The Clients’ (as hereinafter defined) use of the GBA Northbound Wealth Management Connect Service means that they agree to be bound by these terms. The services provided by Standard Chartered Bank (Hong Kong) Limited under the GBA Northbound Wealth Management Connect Service including but not limited to the opening and maintenance of Hong Kong remittance accounts, the closed-loop remittance of funds initiated in Standard Chartered Hong Kong and determination of eligible investors, are subject to the service agreements entered into by and between the Clients and Standard Chartered Bank (Hong Kong) Limited.
Competent Authorities refer to any local or foreign judicial, administrative, public or regulatory authority, any government, securities or futures exchange, court, central bank or law enforcement agency, self-regulatory or industry organization or association of financial service providers, etc., or agency of any of the above institutions, including but not limited to the People’s Bank of China, China Banking and Insurance Regulatory Commission, China Securities Regulatory Commission, State Administration of Foreign Exchange, Hong Kong Monetary Authority and Hong Kong Securities and the Futures Commission, which has a jurisdiction over any part of the Bank and GBA Northbound Wealth Management Connect Service.
The Bank refers to Standard Chartered Bank (China) Limited and its branches, sub-branches and other subsidiaries, as well as its successors and assignees.
“大湾区”指粤港澳大湾区（Guangdong-Hong Kong-Macao Greater Bay Area，缩写GBA），由香港、澳门两个特别行政区和广东省广州、深圳、珠海、佛山、惠州、 东莞、中山、江门、肇庆九个珠三角城市（“内地城市”）组成。
Greater Bay Area/GBA refers to the Guangdong-Hong Kong-Macao Greater Bay Area, which consists of Hong Kong special administrative region, Macao special administrative region and nine cities (“Mainland Cities”) in Guangdong province: Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing.
Standard Chartered Bank (China) Limited (hereinafter referred to as SCB China) Investment Accounts (hereinafter referred to as “Investment Accounts”) refer to personal RMB bank accounts (Type I Accounts) newly opened (or existing) in their own names in SCB China designated by the Clients, which are used to purchase wealth management (investment) products under the GBA Northbound Wealth Management Connect Service.
Standard Chartered Bank (Hong Kong) Limited (hereinafter referred to as “SCB HK”) Remittance Accounts (hereinafter referred to as “Remittance Accounts”) refer to the Bank accounts opened and maintained in the names of the Clients in SCB HK that have the function of cross-border remittance and comply with Applicable Laws and Regulations and relevant requirements of Competent Authorities. Such bank accounts shall be designated by the Clients and approved by the Bank to be used in providing the GBA Northbound Wealth Management Connect Service.
Eligible Investor(s) (hereinafter referred to as the “Client(s)”) refer to Hong Kong residents who have been examined and approved by SCB HK in accordance with the requirements of the Hong Kong Monetary Authority (“HKMA”) on eligible investors of GBA Northbound Wealth Management Connect Service. Where the context permits, it includes the Clients’ personal representatives and legal successors.
Hong Kong Residents refer to residents of the Hong Kong Special Administrative Region. In accordance with Article 24 of Chapter 3 of The Basic Law of the Hong Kong Special Administrative Region of the People’s Republic of China, residents of the Hong Kong Special Administrative Region are divided into two categories: Permanent Residents and Non-permanent Residents.
Qualified Wealth Management (Investment) Products refer to any wealth management products or investment products that clients are approved to invest under the Northbound Service in accordance with Applicable Laws and Regulations and the regulations prescribed by the Bank from time to time.
“Applicable Laws and Regulations” refer to the laws and regulations, and rules, guidelines, requirements, opinions and other documents of Competent Authorities that are applicable to the Bank and the Clients or to GBA Northbound Wealth Management Connect Service issued from time to time.
Definition of Service: GBA Northbound Wealth Management Connect Service (hereinafter referred to as “Service” or “Northbound Service” ) enables Eligible Investors to open personal RMB Investment Accounts in the GBA branches and remit funds from SCB HK through a closed-loop fund channel to purchase Qualified Wealth Management (Investment) Products sold by the Bank.
Scope of Service:
One-to-one matching and binding between the Clients’ Investment Accounts opened in the Bank and Remittance Accounts of their own opened in SCB HK;
The Investment Accounts are used for receiving RMB funds remitted by the Client from the Remittance Accounts in SCB HK and for closed or special account management and closed-loop management of such funds. Such funds can be used to:
Purchase Qualified Wealth Management (Investment) Products sold by the Bank.
Remit back to their Remittance Accounts in the original way together with the current interest generated from such funds, the principal and income received after the maturity or redemption of the above-mentioned Qualified Wealth Management (Investment) Products purchased by the Client.
Application of Services
The Client must apply for Service in accordance with the procedures and requirements made by the Bank from time to time, including but not limited to the following:
Confirm that they have not engaged in any Northbound Service in other banks or financial institutions in Mainland China;
Open and maintain an Investment Account with the Bank, and sign the SCB CN GBA Northbound Wealth Management Connect Service Application Form to apply for the Service;
Open and maintain a Remittance Account in the same name with SCB HK, and designate such Remittance Account to match and bind with the Investment Account with the Bank for closed-loop fund remittance for the Service. The rights and obligations in relation to the Remittance Account with SCB HK should be subject to relevant agreement between the Client and SCB HK;
Follow the procedures that the Bank may stipulate from time to time and provide relevant information and documents, including relevant identification information and/or documents that may be required by the Bank to comply with Applicable Laws and Regulations.
The Client’s application and use of the Service shall be approved by the Bank. The Bank may refuse the Client’s application and use of the Service on reasonable grounds by its own determination. In particular, even if the Client has performed the application steps and provided the required information, the Bank can still reject the Client’s application.
The Client hereby agrees, confirms, and promises upon the application or use of the Service:
The Client has met the qualification required by the Bank and Applicable Laws and Regulations;
The Client will continue to comply with Applicable Laws and Regulations;
The Client will immediately notify the Bank in writing if the Hong Kong remittance account is suspended, terminated or changed in a way that may affect the service.
Fund Transfer and Remittance:
All fund transfers and remittances under Northbound Service are subject to these terms and conditions, other provisions and Applicable Laws and Regulations on fund transfers and cross-border remittances prescribed by the Bank from time to time.
The Client can only remit fund in a closed-loop way by binding the Remittance Account with SCB HK with the RMB Investment Account with the Bank;
All cross-border remittances between the Remittance Account with SCB HK and the Bank the RMB Investment Account with the Bank shall be made in RMB;
(c) 额度管理： 客户通过北向通汇入内地的资金汇入额受限适用法律法规关于 “跨境理财通 “业务试点总额度以及单个投资者额度管理；
Quota Management: The amount of funds remitted by the Client to the Mainland under Northbound Service is limited by Applicable Laws and Regulations on the Industry Quota of the “Wealth Management Connect Service” business pilot and the Individual Investor Quota;
– “跨境理财通 ”业务试点总额度：根据适用法律法规，“跨境理财通 ”业务实行总额度管理，跨境理财通北向通资金净流入额（即，北向通资金累计流入额 – 北向通资金累计流出额）不得超过总额度（由中国人民银行广州分行和深圳市中心支行每个工作日通过官方网站公布总额度使用情况）。当总额度达到上限时，本行将无法办理跨境理财通北向通资金跨境汇入，仅可办理资金跨境汇出；
– Industry Quota of the “GBA Wealth Management Connect Service” business pilot: in accordance with Applicable Laws and Regulations, the “GBA Wealth Management Connect Service” is subject to Industry Quota management, and the net funds inflow under the Northbound Service (that is, the cumulative capital inflow under Northbound Service – the cumulative capital outflow under Northbound Service) shall not exceed the Industry Quota (The usage of the Industry Quota shall be announced by Guangzhou Branch and Shenzhen Central Branch of the People’s Bank of China on the official website every working day). When the usage of the Industry Quota reaches the upper limit, the Bank will not be able to handle the inward cross-border remittance under the Northbound Service but can only handle the outward cross-border remittance;
– 单个投资者额度：根据适用法律法规， “跨境理财通 ”业务实行单个投资者额度管理，单个投资者跨境理财通北向通资金净汇入额（即，北向通资金累计汇入额 – 北向通资金累计汇出额）不得超过单个投资者额度，当额度达到上限时，本行将无法为客户办理跨境理财通北向通资金汇入，目前单个投资者额度为100万元人民币；
– Individual Investor Quota: in accordance with Applicable Laws and Regulations, the “GBA Wealth Management Connect Service” is subject to Individual Investor Quota management, and the net inward amount of funds under the Northbound Service of an individual investor (that is, the cumulative inward amount of funds under Northbound Service – the cumulative outward amount of funds under Northbound Service) shall not exceed the Individual Investor Quota. When the quota reaches the upper limit, the Bank will not be able to handle the inward cross-border remittance under the Northbound Service for the Client. At present, the quota for an individual investor is RMB 1 million.
The People’s Bank of China has the right to adjust the Industry Quota of the “GBA Wealth Management Connect Service” business pilot and the Individual Investor Quota based on the cross-border capital flow situation, and timely publish such quotas on the official websites of Guangzhou Branch of the People’s Bank of China and Shenzhen Central Branch of the People’s Bank of China.
Qualified Wealth Management (Investment) Products:
The Client can use the funds under the Service to invest in Qualified Wealth Management (Investment) Products. The Client can search for the Qualified Wealth Management (Investment) Products on the mobile trading platform for Qualified (Investment) Products;
The Bank has the right to update the Qualified Wealth Management (Investment) Products from time to time without notice. The Bank will determine whether an investment product is a Qualified Wealth Management (Investment) Product in its sole and absolute discretion. The Client will only be allowed to purchase such investment products that are Qualified Wealth Management (Investment) Products. The Client will be forbidden from purchasing such investment products that are no longer Qualified Wealth Management (Investment) Products.
The Client shall not use the funds under the Investment Accounts and the Qualified Wealth Management (Investment) Products purchased under the Service for any form of pledge and other security purposes.
The Bank will dynamically assess and adjust the risk level of Northbound Service wealth management (investment) products in accordance with Applicable Laws and Regulations on risk rating of wealth management and investment products. If any product is no longer qualified as Northbound Service wealth management (investment) product, the Bank will timely inform the Client who has held such product. The Client can continue to hold or redeem such product in his/her own choice.
For detailed risk tips and specific product information of wealth management and investment products, please carefully read the relevant product sales documents, and the relevant product sales documents shall prevail. The Client shall fully understand the investment risk and invest cautiously based on his/her own risk tolerance, investment demand, financial status, investment experience and other actual conditions.
The Client hereby agrees and confirms that the “Customer Information and Disclosure” clause in the General Terms for Integrated Investment & Wealth Management Service as amended by the Bank from time to time will apply to all information provided by the Client while using the Service.
In order to process the Client’s application and use of the Service, the Client agrees that the Bank may collect, use the Client’s name, the Client’s identification number, the account number of RMB Investment Account and the transaction information under the Service and disclose such information to SCB HK (www.sc.com/hk), China International Payment Service Corp. (www.cips.com.cn) and relevant authorities in mainland China, within the limitation of the needs of the Service or for the purpose of complying with Applicable Laws and Regulations. Meanwhile, the Client agrees that SCB HK and China International Payment Service Corp. can collect and process the aforementioned information of the Client for Service needs or for the purpose of complying with Applicable Laws and Regulations.
The Client hereby knows and specially confirms that the Client’s identification number, Remittance Account number, remittance transaction information and transaction information under the Service in the above information may constitute sensitive information (that is, once leaked, illegally provided or abused, it may be used against the will of the Client or related to other information, resulting in significant risks to the rights and interests of the Client) , and the Bank has the right to collect and disclose such information to SCB HK, China International Payment Service Corp. and relevant authorities in mainland China within the limitation of the needs of the Service or for the purpose of complying with Applicable Laws and Regulations.
Fund balance display: since the fund under the Service is subject to closed-loop management, the fund balance and transaction details under the Service will be displayed independently of RMB Class I Account on the monthly statement (and relevant online banking account query pages);
（b） 因服务项下的资金实行闭环管理，若客户在本行已持有代销国内基金产品或存在在途代销国内基金交易，需要待客户完成结算已有交易后(即，赎回持有的所有代销国内基金产品以及关闭相关国内基金交易账户后) ，才可以开立服务；
Due to the closed-loop management of the funds under the Service, if the Client has held or has in transit consignment domestic fund transactions in the Bank, the Service can be started only after the Client has completed the settlement of existing transactions (that is, redeeming all products held by the Client and closing relevant fund transaction accounts);
During the term of the Qualified Wealth Management (Investment) Products, the Bank may adjust the product risk rating accordingly. If the products held by the Client no longer meet the requirements of the Qualified Wealth Management (Investment) Products, the Bank is entitled to reject the Client’s transaction application.
After the Client has subscribed to the Service, if the he/she is found to be no longer qualified for an Eligible Investor or disqualified from participating in Northbound Service due to reasons such as changes of Applicable Laws and Regulations or changes in the Client’s own situation, the Client will no longer be able to make other transactions except product redemption under the Northbound Service. In this case, the Client shall redeem the Wealth management (Investment) Products held by him/her, or continue to hold such products until their maturity date.
In accordance with Applicable Laws and Regulations, the Bank can only provide product inquiries and sell and purchase services at business premises or through telephone or online channels. The Bank can provide consultation and explanation services for related products through telephone, online and other channels at the request of the Client. However, the Bank cannot proactively invite, solicit the Client and provide investment advice across borders, nor can it go to Hong Kong and Macau to carry out sales activity of “GBA Wealth Management Connect Service”.
Restriction, Suspension or Termination of Service
Client can terminate the use of the Service through relevant channels announced by the Bank from time to time. To terminate the Service, the Client should ensure that all the wealth management products invested during the Service period have been redeemed, and that all funds (principal, current interest and product income) have been remitted to the Remittance Account in the original way. After accepting the Client’s service termination application, the Bank will terminate the closed-loop fund transfer between the Client’s RMB Investment Account and Remittance Account.
In the event of any of the following violations of laws and regulations, the Bank has the right to suspend or terminate the Client’s use of the Service according to the severity of the violations. If the Client is suspected to violate any law, the Bank will report to relevant government departments for investigation:
Providing information that is false or conceals material facts;
Violation of account opening regulations;
Suspected of money laundering, terrorist financing, tax evasion;
Using non-own funds to purchase investment products, purchasing wealth management products on behalf of others, raising funds from others or using other non-own funds to invest;
Pledging the purchased investment products for financing purpose and other similar acts;
Other violations of laws and regulations.
The Bank reserves the right to restrict, suspend or terminate the Client’s use of the Service at any time without giving any reason.
Without prejudice to the general principles of Article 8.3, the Bank is entitled to suspend or terminate the Client’s use of the Service in the following circumstances:
The Bank (or SCB HK) believes that the Client has violated or may violate the terms and conditions hereof or any Applicable Laws and Regulations; or
As examined by SCB HK, the Client is no longer an eligible investor; or
Due to changes in Applicable Laws and Regulations, the Service provided by the Bank have become or will become illegal or impractical; or
The Bank has reason to believe that if the Bank does not terminate the Service, it may cause the Bank or another member of the group to violate any Applicable Laws and Regulations or be prosecuted, punished or condemned by relevant authorities; or
In accordance with the relevant requirements of the Competent Authorities, restrict, suspend or stop the Client’s use of the Service (including but not limited to canceling the Client’s qualification to participate in the Service or canceling the Client’s accounts).
If the Client’s Remittance Account with SCB HK bound to RMB Investment Account with the Bank related to the Service is cancelled or closed for any reason, the Service will be automatically terminated.
The Bank shall not be liable to the Client for any loss caused by the suspension or termination of use of the Service.
Even after the suspension or termination of the Service, the Client is obliged to perform and terminate the obligations and responsibilities established or due before such suspension or termination. The terms of a continuing nature will remain valid after such suspension or termination, including but not limited to the Bank’s disclaimer, the Bank’s limitation of liabilities and compensation made by Eligible Investors to the Bank.
Despite the suspension or termination of the Service, the Bank is entitled to, based on its own discretion and on behalf of the Eligible Investor, continue the transactions carried out by the Client or carried out by the Bank on behalf of the Client or settle the debts incurred thereunder, without obtaining permit of any form from the Client or giving any notice to the Client. In addition, the Bank is entitled to cancel all or any uncompleted instructions at its own discretion at the time of such suspension or termination.
Complaints and Advice
The Client has the right to supervise the Service quality of the Bank and to make complaints and suggestions to the Bank on use of Investment Account, cross-border remittance, product purchase (redemption) and other relevant matters related to the Northbound Service. The Bank will announce customer service hotline and other suggestion channels on the Bank’s official website. The opening of Remittance Accounts, cross-border remittances to Investment Accounts from Hong Kong, determination of eligible investor and other matters that belong to the Northbound Service provided by SCB HK should be handled by SCB HK in accordance with the relevant agreements between the Client and SCB HK.
The Bank has the right to modify, change, amend and/or supplement these terms from time to time. Unless otherwise provided in these terms and conditions, any amendments to these terms and conditions and/or supplements to any items and other information specified in these terms and conditions will take effect immediately and be binding on Eligible Investors upon notified by the Bank (Except that fees and fee adjustments determined by the Bank (excluding fee increase) and terms involving responsibilities or obligations of Eligible Investors shall be notified to the Client 30 days in advance, reasonable notice period of other changes shall be determined by the Bank. ) . Such notices may be announced on the official website of the Bank or made in other ways that the Bank considers appropriate. In addition, if the Eligible Investors continue to keep or use the Northbound Service after the effective date of any amendments, such amendments shall become binding on the Eligible Investors on such effective date.
Client Confirmation and Commitment
The client knows, confirms, and promises:
The client shall abide by all Applicable Laws and Regulations for the use of the service and be bound by these terms (which may be changed from time to time without notice);
The client has not handled cross-border wealth management northbound services with other banks or financial institutions in Mainland China;
If the client’s Hong Kong remittance account is suspended, terminated, or there are other changes that may affect the Northbound Cross-border Financial Link Service, the client shall immediately notify the Bank.
The client shall not use the service in any illegal way or violation of any Applicable Laws and Regulations or in any way that violates or infringes the rights of the Bank or the rights of any third party;
For service purposes, the client is an eligible investor as defined in Applicable Laws and Regulations;
The client is aware of and has assessed the risks related to the service, and the client is willing to bear such risks;
The client will seek independent professional advice and conduct their evaluation before conducting any transaction under the Service;
The client understands that the RMB transfer between Hong Kong remittance accounts and RMB investment accounts is subject to the Total Quota and individual investor limits under Applicable Laws and Regulations and other requirements prescribed by the Bank from time to time;
The client agrees to bear all the fees and taxes incurred by the service and agrees to compensate or compensate the Bank for all the fees and taxes that the Bank may incur due to the service. The client further agrees that the Bank will not recommend or handle any tax issues, liabilities, and/or obligations related to the service, and will not provide any service or assistance in this matter;
The client confirms that all the information provided by the client to the Bank for the service application is true, accurate, valid, and complete. If there is any change, the client shall immediately notify the Bank;
The client promises to provide the Bank with relevant information and documents that the Bank may reasonably request from time to time to provide services; and
The client agrees that the Bank can contact other bank where the client opened the remittance account to share the client’s information to perform the service, verify the client’s identity and provide services.
The Client promises to use his own funds to participate in the Northbound Service, and that he/she will not involve in acts such as raising funds from others or using other non-own funds for investment;
The Client promises not to use the investment products purchased under the Northbound Service for any form of pledge or other security purposes;
The client knows that the Bank was established in China and is a subsidiary of SCB HK. The Bank is not an authorized institution in Hong Kong under the “Banking Regulations” promulgated by the Hong Kong Monetary Authority and is not subject to the supervision of the Hong Kong Monetary Authority. The Bank cannot conduct banking business or accept deposit business in Hong Kong. Any deposits in the Bank are protected by the “Deposit Insurance Regulations of the People’s Republic of China” and not protected by Hong Kong’s deposit protection plan.
Disclaimer and Compensation
The Bank is not responsible for any taxes due to clients or the reduction in the value of such assets or properties due to investment in the assets or properties in the account.
The Bank shall not be liable for any loss of profits or benefits, indirect or corresponding losses arising from or related to the use of the services by clients or any other persons under any circumstances.
Except for deliberate misconduct or gross negligence of the Bank or the staff or employees, for any results caused or caused to clients or third parties due to the following circumstances (only those directly and reasonably foreseeable The Bank is not responsible for any loss and damage (if any):
Eligible Investors or any other person (whether authorized or not) to use the Service.
Any interference, interruption, delay, loss, destruction, or other failure or deviation in the process of transmitting instructions or other materials;
Any telecommunications company, facilities, equipment, medium or the Bank or the agent of the Bank or any third party that transmits instructions or materials discloses instructions or materials related to the Clients;
The Bank cannot handle an instruction due to market reasons and handles an instruction in the stated manner and time;
The implementation or change in Applicable Laws and Regulations, the market is disrupted or fluctuated, any government, exchange, clearing house or market restricts or suspends trading, any relevant bank, financial institution, broker, exchange, clearing house or government Bankruptcy or insolvency or liquidation;
Any mechanical failures, power interruptions, operational failures, malfunctions, the inadequacy of equipment or devices, force majeure, government actions, floods, fires, civil disturbances, strikes, wars, or any other reasons beyond the control in connection with the Service.
除本行或其职员或雇员的故意不当行为或重大过失外，客户将向：(i) 本行；(ii) 渣打香港；(iii) 前述 (i) 及 (ii) 各自的代理人；及 (iv) 前述(i)、(ii) 及 (iii) 各自的高级人员及雇员赔偿因提供跨境理财通北向通服务或行使或维护本条款及细则赋予本行的权力及权利而可能导致的任何损失、损害、税项及合理费用及开支及一切法律行动及法律程序。本行有权扣缴，保留或扣除一定数额的客户资产并由本行保管或控制，或从客户在本行的任何账户扣缴、保留或扣除一定款额，以弥补在本条下客户欠付本行的债务。即使服务终止，此项补偿仍继续维持有效。
Except for deliberate misconduct or gross negligence of the Bank or its staff or employees, clients will compensate (i) the Bank; (ii) Standard Chartered Hong Kong; (iii) the aforementioned (i) and (ii) their respective agents; and (iv) Respective senior officers and employees of the aforementioned (i), (ii) and (iii) for any losses, damages, taxes, reasonable fees and expenses, all legal actions and legal procedures that may be caused by providing Northbound Services or the exercise or maintenance of the powers and rights granted to the Bank by these terms and conditions. The Bank has the right to withhold, retain or deduct a certain amount of eligible investor’s assets and keep or control those assets, or withhold, retain or deduct a certain amount from any account of the eligible investor with the Bank, to make up for debts owed by the eligible investors to the Bank under this Article. Even if the service is terminated, this compensation will continue to be effective.
The terms of these terms and conditions are independent and interpreted independently. Even if any clause becomes illegal, invalid, or unenforceable due to the legal provisions of any jurisdiction, the legality, validity, or enforceability of the remaining clauses will not be affected in any way.
Governing law and dispute resolution mechanism
Cross-border financial management services are managed by the principle of the place where the business links occur and comply with relevant laws and regulations on the sales and management of accounts, funds, and investment products in Guangdong and Hong Kong.
The rights and obligations of both parties under these terms and conditions and these terms and conditions are governed by and interpreted by the laws of the People’s Republic of China.
For disputes arising from these terms and conditions or disputes related to these terms and conditions, it can be resolved through the following methods:
Clients can negotiate a settlement with the Bank or negotiate with the Bank to coordinate internal geographic wealth companies and public fund managers based on roles and responsibilities.
If the negotiation fails, clients can make the complaint to the Bank through the customer service hotline or any other channels published in www.sc.com/cn, or request the direct involvement of the independent department of the Bank into the complaint investigation and handling.
According to the principle of the place where the business link occurs, clients can report the disputes to the relevant financial management department in the place of the Bank: regarding the dispute related the wealth product, clients can make the complaint to China Banking and Insurance Regulatory Commission (CBIRC); regarding the dispute related to public fund managers, clients can make the complaint to China Securities Regulatory Commission (CSRC); regarding the dispute related to fund transfer, quota management, anti-money laundry, anti terrorist-financing, financial products or services cross market and industry, clients can make the compliant to the affiliated group of the People’s Bank of China (PBOC);
Request the mediation of financial dispute mediation organizations such as mainland financial consumers and investor protection organization;
File a lawsuit with the relevant people’s court.
In the event of any inconsistency between the English and Chinese versions of these conditions, the Chinese version shall prevail.