投资产品在线服务条款
Terms for Online Service of Investment Products

自营理财产品重要提示:理财非存款,产品有风险,投资须谨慎。
Important Note for self-issued wealth management products: A wealth management product is not a deposit. The product carries investment risks. Please exercise caution when you invest.

代销基金产品重要提示:基金有风险,投资须谨慎。
Important Note for agent products of mutual fund: mutual fund carries investment risks. Please exercise caution when you invest.

渣打银行(中国)有限公司(下称“银行”)可能不时通过其个人网上银行系统(下称“网上银行,为避免疑问,网上银行也包括移动版个人网上银行系统)向其客户(下称“客户”)提供不同类型的理财计划及投资产品(下称“投资产品”或“产品”)在线服务(下称“在线投资”)。客户通过网上银行申请办理任何投资产品相关业务,须事先仔细阅读并确认接受本条款如下相关约定:
Standard Chartered Bank (China) Limited (“the Bank”) may from time to time offer various wealth management schemes and investment products (“Investment Products” or “Products”) services through its online banking system (“Online Banking”, and for avoidance of doubt, Online Banking also include mobile banking) (“Online Investment”), to its customers (“the Customer” or “Customers”). Before applying for any business relating to Investment Products through Online Banking, Customers shall carefully read and confirm to accept all the following stipulations in these Terms.

1、本条款项下的投资产品分为自营理财产品和代销产品。自营理财产品是指银行以自己的名义发行的投资产品,而代销产品是指银行接受投资产品发行人或管理人的委托代为销售的投资产品。
1. The Investment Products consist of self-issued wealth management products and agent products. Self-issued Wealth Management Products refer to those issued by the Bank, while agent products refer to those distributed by the Bank acting as an agent of the investment products’ issuers or managers.

2、客户应确保其已阅读、理解并接受银行的《个人电子银行服务条款》及投资产品相关的文件,并同意在线投资将受该等文件的约束。
2. The Customer should confirm he/she has read, understood and accepted "Terms and Conditions for Personal Electronic Banking Service" of the Bank and documents relating to Investment Products, and agrees that Online Investment shall be subject to terms and conditions of the aforesaid documents.

3、客户知晓其办理在线投资业务时可以且应当通过网上银行阅读、下载并保存相关投资产品的相关产品文件。投资产品的具体产品信息及相关产品风险,应以相关产品文件为准。客户同意其确认提交交易申请的行为,即被视为客户已经阅读、理解、并接受相关产品文件条款,同意受相关产品文件的约束,客户没有在相关产品文件的纸质版本上进行签署并不影响相关产品文件的适用性和效力。在线投资的相关产品文件的英文文本(如有)仅供客户参考,客户应以中文文本为准。
3. The Customer understands that during the course of Online Investment, he/she can and shall read, download, save and keep relevant Investment Products’ documents available at Online Banking. The Product details and risks shall be subject to the documents of the relevant Investment Products. The Customer agrees that his/her confirmation to submit applications of the transactions shall be deemed that the Customer has read, understood and accepted the terms of the documents of relevant Investment Products, and agreed to be bound by the relevant documents. The fact that the Customer has not physically signed on the relevant documents will not affect the applicability and effectiveness of the relevant documents. English version (if any) of Online Investment related documents are made for Customers’ reference only, Chinese version of such documents shall prevail under any circumstance.

4、客户提交在线投资相关交易申请或作出相关交易指示前,应当仔细阅读、完全理解并接受投资产品的全套文件,并确认可以且愿意承担产品及投资风险。客户可以通过银行营业网点或联系银行销售人员,要求银行对产品文件、产品特征及其相关风险作出充分解释和说明, 或寻求独立第三方的专业意见。若客户对于任何产品文件、产品特征及其相关风险存有任何疑问,不应做出任何投资决定。
4. Before submitting any Online Investment related transaction application or give any Online Investment related instruction, the Customer needs to carefully read, fully understand and accept the full set of the documents relating to the Investment Products, and shall confirm he/she is willing and able to assume the risks associated with the Products and his/her investment in the Products. The Customer may visit the Bank’s branches/sub-branches or contact the Bank’s sales staff to request the Bank to fully explain the relevant documents, the Products’ features and its associated risks, or seek professional advice from an independent third party. If the Customer has any doubt about any documents, the Products’ features or its associated risks, he/she shall not invest in the Products.

5、客户理解并同意,银行可能不时调整、增加或减少可以通过网上银行提供的投资产品,并非所有投资产品都可以通过网上银行进行在线投资,通过网上银行提供的投资产品可能少于或不同于银行营业网点提供的投资产品。客户知晓其可以自主选择通过银行营业网点、网上银行、电话、传真 及其他银行不时修订的销售方式(如适用)申请办理投资产品相关业务。
5. The Customer acknowledges and agrees that the Bank may from time to time adjust, add or remove Investment Products offered through Online Banking, not all the Bank’s Investment Products are available for Online Investment, the Investment Products offered through Online Banking may be less than or different from those offered at the Bank’s branches/sub-branches. The Customer understands that he/she can independently choose either the Bank’s branches/sub-branches, Online Banking, phone, fax or other sales channels (if applicable) the Bank amends from time to time, to apply for Investment Products’ related business.

6、客户确认并提交在线投资相关交易申请,即视为客户向银行提出与投资产品有关的申请且愿意承担相应的产品及投资风险。除非产品文件另有约定或银行另行同意,客户的在线投资申请一经发出即不能撤回或撤销。
6. The Customer’s confirmation and submission of Online Investment transaction application will be deemed as the Customer’s application to the Bank to invest in certain Investment Product(s) and the Customer’s acknowledgment and acceptance of the risks associated with such Product(s) and his/her investment. Unless otherwise provided in the relevant Product documents or agreed by the Bank, the Customer’s Online Investment applications, once submitted, are irreversible and irrevocable.

7、客户应当在提交在线投资申请之前,仔细核对并确认所有申请内容完整无误。客户确认产品发行人或管理人(视情况而定)有权审查并决定是否接受客户所提交的在线投资申请。
7. Before submitting Online Investment transaction applications, the Customer shall carefully check and confirm that all the contents in the applications are complete and correct. The Customer acknowledges that the issuer or manager (as the case may be) of the Products has the right to examine and decide whether to accept the Customer’s Online Investment transaction applications.

8、客户理解并同意,为适应法律法规、监管机构要求、网上银行系统升级、不同产品的特点以及在线投资的操作要求,银行可能随时暂停或终止所有或任何在线投资服务,以及根据商业合理原则,不时调整、变更在线投资的规则(并相应调整、变更包括本条款在内的在线投资相关文件),包括但不限于:
8. The customer understands and agrees that, in accordance with applicable laws and regulations, regulatory requirements, Online Banking system update, feature of various Products and the operational requirements of Online Investment, the Bank may at any time suspend or terminate all or any Online Investment services and/or from time to time adjust or change in a commercially reasonable manner the terms and rules applicable to Online Investment (and accordingly adjust or change Online Investment related documents including these Terms), including but not limited to:

  1. 调整在线投资的办理时间、具体条件和限制,包括但不限于在线投资业务的开放办理时间、对客户投资评估结果的要求、客户应于办理在线投资业务之前签署、接受、确认、提供的必要文件以及在线投资的投资金额限制等;
    Adjust the time of, conditions to and/or restrictions on Online Investment, including without limitation the service time for Online Investment, requirements on Customer Investment Profile assessment results, necessary documents to be signed, accepted, confirmed or provided by the Customer before doing Online Investment, and restrictions on the investment amount of Online Investment;
  2. 调整在线投资的业务内容,包括但不限于客户投资评估更新、提交与境外个人客户有关的证明文件、提交与美国人有关的证明文件、历史交易记录的查询、申请撤销投资申请、申请提前赎回/特别终止安排/赎回/卖出/退出、申请产品转换、申请定期定额计划的设立/变更/终止。受限于网上银行系统能力和功能设置,客户可能不能通过网上银行办理与产品相关的部分业务,对于不能在线办理的业务,客户需前往银行营业网点办理。
    Adjust the scope of Online Investment, including without limitation Customer Investment Profile update, submission of qualified proof in relation to overseas individual customers, submission of supporting document in relation to US Person, historical transaction record inquiry, application for investment cancellation, application for early redemption/Special Termination Arrangement/redemption/selling/exit, application for Product switch, the setting-up/adjustment/termination application of Regular Saving Plan. Subject to Online Banking system capacity and functional design, the Customer may not be able to use Online Banking to do some business relating to Investment Products, and the Customer shall visit the Bank’s branches/sub-branches to do such business not available at Online Banking.

9、客户知晓并认可通过网上银行办理在线投资业务、提交相关交易申请或作出相关交易指示的额外风险。但客户同意并在此再次确认,客户通过网上银行提交的申请或作出的指示系客户书面意思表示,已经客户全权授权并对客户有约束力,客户接受银行保留的或网上银行系统生成的电子信息记录作为客户交易申请、交易指示及交易信息的有效依据,且不会因为该等信息以电子方式生成或保留而否认其效力。
9. The Customer understands and agrees the additional risks associated with Online Investment, submitting transaction applications or giving transaction instructions through Online Banking. However, the Customer agrees and hereby confirms again that all applications submitted or instructions given by the Customer through Online Banking are original documents in writing, fully authorised by and binding on the Customer. The Customer accepts the relevant electronic records generated by Online Banking system or kept by the Bank as the effective evidence of the applications, instructions and transaction information of the Customer, and agrees not to challenge its validity on the basis it is in electronic form.

10、客户理解并同意银行将仅根据网上银行相应交易方式和渠道接受客户身份验证信息及交易申请/指示,银行有权将通过身份验证的客户申请/指示视为由客户本人发送,而不需要额外获得客户的任何书面或其他方式的确认,亦无须另行以其他方式再检查客户身份或交易申请/指示的真实性。纵有前述约定,出于风险防范的考虑,在银行认为正当的情况下(如银行合理怀疑所收到的一项指示未经客户适当授权),银行可以拒绝执行其认为可疑的指示及/或要求客户以银行认为合理的方式进行确认。
10. The Customer understands and agrees that the Bank will only rely on the relevant Online Banking transaction method and channel to accept the Customer’s identity verification information and transaction applications/instructions, and the Bank is entitled to regard the applications/instructions received from verified Customer identity as from the Customer himself/herself. The Bank is not obligated to obtain the Customer’s extra confirmation on paper or in other form, or to double check the authenticity of the identity or transaction applications/instructions of the Customer by other method. Notwithstanding the foregoing, for sake of risk prevention, the Bank may, when it deems appropriate (e.g. it has reasonable doubt that an instruction may not be duly authorised by the Customer), refuse to perform the doubtful instructions and/or require the Customer to provide further confirmation acceptable to the Bank

11、客户应妥善保管其网上银行的身份验证信息(包括但不限于客户的网上银行用户名、密码、验证码、银行账户号及密码、银行卡号及密码、身份证件号码、手机号码、电子邮件、通信地址、及/或其他用于申请网上银行服务或与网上银行服务有关的用于验证客户身份的信息)。除非因银行故意或重大过错所致,发生客户身份验证信息泄漏的,客户须承担身份验证信息被未经授权人士使用或被用于未经授权用途的全部风险,以及因该等信息泄漏造成的全部损失,该等损失包括但不限于给客户本人和银行带来的直接和间接的经济损失、名誉损失等。
11. The Customer shall safeguard properly his/her Online Banking identity verification information (including but not limited to the Customer’s Online Banking username, PIN, verification code; bank account number and password; bank card number and password; identity document type and number; mobile phone number, email address, postal address, and/or any other information being used for Online Banking services application or to verify the Customer’s identity with regard to Online Banking services). Unless caused by the Bank’s intentional act or gross negligence, in the case of any identity verification information leakage, the Customer shall assume all the risks of such information being used by unauthorised persons or for unauthorised purposes and shall be liable for all the losses arising from such information leakage, which losses include but not limited to economic and reputational losses, directly or indirectly, suffered by the Customer and the Bank.

12、客户知晓并认可通过网上银行传送指示、信息或通讯将增加错误及在信息安全、隐私保护等方面的风险以及欺诈风险,包括但不限于:
12. The Customer understands and acknowledges that transmission of instructions, messages or communication through Online Banking will increase the errors and risks in respect of information security and privacy protection and the fraudulent risks, including without limitation:

  1. 指示或通知在发送过程中出现的任何错误、迟延或时差;
    Any error, delay or time-lag in transmission of any instruction or communication;
  2. 对于身份鉴别的任何误解或错误;
    Any misunderstanding or error in identity verification;
  3. 疏忽或遗漏执行指示或通知内所载的任何指令或要求;
    Any oversight or omission to carry out any order or request contained in any instruction or communication;
  4. 指示或通知存在任何不清楚的地方或被错误理解或执行;
    Any lack of clarity in or misinterpretation or erroneous execution of any instruction and communication;
  5. 声称是由客户发出的指示或通知实际未经客户授权的;及/或
    Any unauthorised instruction or communication given by any person who purports to be the Customer; and/or
  6. 任何人士做出的欺诈或假冒行为。
    Any fraud or counterfeit behaviour committed by any person.

客户理解并同意,除非银行存在故意或重大过错,银行不会对在线投资项下任何指示或通知的可靠性做出任何陈述或保证,或就任何该等指示或通知的错误、可靠性缺失或机密泄露负责。尽管如此,客户仍愿意接受相关风险并受该等指示或通知约束,并同意除非银行存在故意或重大过错,银行无须为客户或任何第三方因此而产生之损失或损害承担任何责任。
The Customer understands and agrees that the Bank makes no representation or warranty whatsoever as to the reliability of any instruction or communication with regard to Online Investment and the Bank shall not be responsible for any error, lack of reliability or breach of confidentiality of any such instruction or communication, except for the Bank’s intentional act or gross negligence. Nevertheless, the Customer confirms to accept the relevant risks and agrees to be bound by any such instruction or communication, and except for the Bank’s intentional act or gross negligence, the Bank shall not be liable for any losses or damages incurred by the Customer or any third party arising therefrom.

客户声明并承诺其为了接受在线投资服务而提供给银行的所有信息是真实、准确和完整的。对于银行依照客户在线投资之交易申请/指示或通知行事而直接或间接引起或发生之所有索赔、责任、损害、损失及在行使或执行银行的权利时所产生的一切费用、开支,客户同意自行承担并承诺就银行蒙受的该等损失及开支等向银行作出全面的赔偿。
The Customer declares and undertakes that all information he/she provided to the Bank for receiving Online Investment services is true, correct and complete. The Customer agrees and undertakes to be liable for, and fully indemnify the Bank against, all claims, liabilities, damages, losses, and costs, expenses for the exercise or execution of the Bank’s rights, arising directly or indirectly from the Bank acting on any Online Investment transaction application/instruction or communication of the Customer.

客户理解并确认接受上述内容
Customer understands and confirms to accept all the above contents.

投资产品在线服务条款
Terms for Online Service of Investment Products

自营理财产品重要提示:理财非存款,产品有风险,投资须谨慎。
Important Note for self-issued wealth management products: A wealth management product is not a deposit. The product carries investment risks. Please exercise caution when you invest.

代销基金产品重要提示:基金有风险,投资须谨慎。
Important Note for agent products of mutual fund: mutual fund carries investment risks. Please exercise caution when you invest.

渣打银行(中国)有限公司(下称“银行”)可能不时通过其个人网上银行系统(下称“网上银行,为避免疑问,网上银行也包括移动版个人网上银行系统)向其客户(下称“客户”)提供不同类型的理财计划及投资产品(下称“投资产品”或“产品”)在线服务(下称“在线投资”)。客户通过网上银行申请办理任何投资产品相关业务,须事先仔细阅读并确认接受本条款如下相关约定:
Standard Chartered Bank (China) Limited (“the Bank”) may from time to time offer various wealth management schemes and investment products (“Investment Products” or “Products”) services through its online banking system (“Online Banking”, and for avoidance of doubt, Online Banking also include mobile banking) (“Online Investment”), to its customers (“the Customer” or “Customers”). Before applying for any business relating to Investment Products through Online Banking, Customers shall carefully read and confirm to accept all the following stipulations in these Terms.

1、本条款项下的投资产品分为自营理财产品和代销产品。自营理财产品是指银行以自己的名义发行的投资产品,而代销产品是指银行接受投资产品发行人或管理人的委托代为销售的投资产品。
1. The Investment Products consist of self-issued wealth management products and agent products. Self-issued Wealth Management Products refer to those issued by the Bank, while agent products refer to those distributed by the Bank acting as an agent of the investment products’ issuers or managers.

2、客户应确保其已阅读、理解并接受银行的《个人电子银行服务条款》及投资产品相关的文件,并同意在线投资将受该等文件的约束。
2. The Customer should confirm he/she has read, understood and accepted "Terms and Conditions for Personal Electronic Banking Service" of the Bank and documents relating to Investment Products, and agrees that Online Investment shall be subject to terms and conditions of the aforesaid documents.

3、客户知晓其办理在线投资业务时可以且应当通过网上银行阅读、下载并保存相关投资产品的相关产品文件。投资产品的具体产品信息及相关产品风险,应以相关产品文件为准。客户同意其确认提交交易申请的行为,即被视为客户已经阅读、理解、并接受相关产品文件条款,同意受相关产品文件的约束,客户没有在相关产品文件的纸质版本上进行签署并不影响相关产品文件的适用性和效力。在线投资的相关产品文件的英文文本(如有)仅供客户参考,客户应以中文文本为准。
3. The Customer understands that during the course of Online Investment, he/she can and shall read, download, save and keep relevant Investment Products’ documents available at Online Banking. The Product details and risks shall be subject to the documents of the relevant Investment Products. The Customer agrees that his/her confirmation to submit applications of the transactions shall be deemed that the Customer has read, understood and accepted the terms of the documents of relevant Investment Products, and agreed to be bound by the relevant documents. The fact that the Customer has not physically signed on the relevant documents will not affect the applicability and effectiveness of the relevant documents. English version (if any) of Online Investment related documents are made for Customers’ reference only, Chinese version of such documents shall prevail under any circumstance.

4、客户提交在线投资相关交易申请或作出相关交易指示前,应当仔细阅读、完全理解并接受投资产品的全套文件,并确认可以且愿意承担产品及投资风险。客户可以通过银行营业网点或联系银行销售人员,要求银行对产品文件、产品特征及其相关风险作出充分解释和说明, 或寻求独立第三方的专业意见。若客户对于任何产品文件、产品特征及其相关风险存有任何疑问,不应做出任何投资决定。
4. Before submitting any Online Investment related transaction application or give any Online Investment related instruction, the Customer needs to carefully read, fully understand and accept the full set of the documents relating to the Investment Products, and shall confirm he/she is willing and able to assume the risks associated with the Products and his/her investment in the Products. The Customer may visit the Bank’s branches/sub-branches or contact the Bank’s sales staff to request the Bank to fully explain the relevant documents, the Products’ features and its associated risks, or seek professional advice from an independent third party. If the Customer has any doubt about any documents, the Products’ features or its associated risks, he/she shall not invest in the Products.

5、客户理解并同意,银行可能不时调整、增加或减少可以通过网上银行提供的投资产品,并非所有投资产品都可以通过网上银行进行在线投资,通过网上银行提供的投资产品可能少于或不同于银行营业网点提供的投资产品。客户知晓其可以自主选择通过银行营业网点、网上银行、电话、传真 及其他银行不时修订的销售方式(如适用)申请办理投资产品相关业务。
5. The Customer acknowledges and agrees that the Bank may from time to time adjust, add or remove Investment Products offered through Online Banking, not all the Bank’s Investment Products are available for Online Investment, the Investment Products offered through Online Banking may be less than or different from those offered at the Bank’s branches/sub-branches. The Customer understands that he/she can independently choose either the Bank’s branches/sub-branches, Online Banking, phone, fax or other sales channels (if applicable) the Bank amends from time to time, to apply for Investment Products’ related business.

6、客户确认并提交在线投资相关交易申请,即视为客户向银行提出与投资产品有关的申请且愿意承担相应的产品及投资风险。除非产品文件另有约定或银行另行同意,客户的在线投资申请一经发出即不能撤回或撤销。
6. The Customer’s confirmation and submission of Online Investment transaction application will be deemed as the Customer’s application to the Bank to invest in certain Investment Product(s) and the Customer’s acknowledgment and acceptance of the risks associated with such Product(s) and his/her investment. Unless otherwise provided in the relevant Product documents or agreed by the Bank, the Customer’s Online Investment applications, once submitted, are irreversible and irrevocable.

7、客户应当在提交在线投资申请之前,仔细核对并确认所有申请内容完整无误。客户确认产品发行人或管理人(视情况而定)有权审查并决定是否接受客户所提交的在线投资申请。
7. Before submitting Online Investment transaction applications, the Customer shall carefully check and confirm that all the contents in the applications are complete and correct. The Customer acknowledges that the issuer or manager (as the case may be) of the Products has the right to examine and decide whether to accept the Customer’s Online Investment transaction applications.

8、客户理解并同意,为适应法律法规、监管机构要求、网上银行系统升级、不同产品的特点以及在线投资的操作要求,银行可能随时暂停或终止所有或任何在线投资服务,以及根据商业合理原则,不时调整、变更在线投资的规则(并相应调整、变更包括本条款在内的在线投资相关文件),包括但不限于:
8. The customer understands and agrees that, in accordance with applicable laws and regulations, regulatory requirements, Online Banking system update, feature of various Products and the operational requirements of Online Investment, the Bank may at any time suspend or terminate all or any Online Investment services and/or from time to time adjust or change in a commercially reasonable manner the terms and rules applicable to Online Investment (and accordingly adjust or change Online Investment related documents including these Terms), including but not limited to:

  1. 调整在线投资的办理时间、具体条件和限制,包括但不限于在线投资业务的开放办理时间、对客户投资评估结果的要求、客户应于办理在线投资业务之前签署、接受、确认、提供的必要文件以及在线投资的投资金额限制等;
    Adjust the time of, conditions to and/or restrictions on Online Investment, including without limitation the service time for Online Investment, requirements on Customer Investment Profile assessment results, necessary documents to be signed, accepted, confirmed or provided by the Customer before doing Online Investment, and restrictions on the investment amount of Online Investment;
  2. 调整在线投资的业务内容,包括但不限于客户投资评估更新、提交与境外个人客户有关的证明文件、提交与美国人有关的证明文件、历史交易记录的查询、申请撤销投资申请、申请提前赎回/特别终止安排/赎回/卖出/退出、申请产品转换、申请定期定额计划的设立/变更/终止。受限于网上银行系统能力和功能设置,客户可能不能通过网上银行办理与产品相关的部分业务,对于不能在线办理的业务,客户需前往银行营业网点办理。
    Adjust the scope of Online Investment, including without limitation Customer Investment Profile update, submission of qualified proof in relation to overseas individual customers, submission of supporting document in relation to US Person, historical transaction record inquiry, application for investment cancellation, application for early redemption/Special Termination Arrangement/redemption/selling/exit, application for Product switch, the setting-up/adjustment/termination application of Regular Saving Plan. Subject to Online Banking system capacity and functional design, the Customer may not be able to use Online Banking to do some business relating to Investment Products, and the Customer shall visit the Bank’s branches/sub-branches to do such business not available at Online Banking.

9、客户知晓并认可通过网上银行办理在线投资业务、提交相关交易申请或作出相关交易指示的额外风险。但客户同意并在此再次确认,客户通过网上银行提交的申请或作出的指示系客户书面意思表示,已经客户全权授权并对客户有约束力,客户接受银行保留的或网上银行系统生成的电子信息记录作为客户交易申请、交易指示及交易信息的有效依据,且不会因为该等信息以电子方式生成或保留而否认其效力。
9. The Customer understands and agrees the additional risks associated with Online Investment, submitting transaction applications or giving transaction instructions through Online Banking. However, the Customer agrees and hereby confirms again that all applications submitted or instructions given by the Customer through Online Banking are original documents in writing, fully authorised by and binding on the Customer. The Customer accepts the relevant electronic records generated by Online Banking system or kept by the Bank as the effective evidence of the applications, instructions and transaction information of the Customer, and agrees not to challenge its validity on the basis it is in electronic form.

10、客户理解并同意银行将仅根据网上银行相应交易方式和渠道接受客户身份验证信息及交易申请/指示,银行有权将通过身份验证的客户申请/指示视为由客户本人发送,而不需要额外获得客户的任何书面或其他方式的确认,亦无须另行以其他方式再检查客户身份或交易申请/指示的真实性。纵有前述约定,出于风险防范的考虑,在银行认为正当的情况下(如银行合理怀疑所收到的一项指示未经客户适当授权),银行可以拒绝执行其认为可疑的指示及/或要求客户以银行认为合理的方式进行确认。
10. The Customer understands and agrees that the Bank will only rely on the relevant Online Banking transaction method and channel to accept the Customer’s identity verification information and transaction applications/instructions, and the Bank is entitled to regard the applications/instructions received from verified Customer identity as from the Customer himself/herself. The Bank is not obligated to obtain the Customer’s extra confirmation on paper or in other form, or to double check the authenticity of the identity or transaction applications/instructions of the Customer by other method. Notwithstanding the foregoing, for sake of risk prevention, the Bank may, when it deems appropriate (e.g. it has reasonable doubt that an instruction may not be duly authorised by the Customer), refuse to perform the doubtful instructions and/or require the Customer to provide further confirmation acceptable to the Bank

11、客户应妥善保管其网上银行的身份验证信息(包括但不限于客户的网上银行用户名、密码、验证码、银行账户号及密码、银行卡号及密码、身份证件号码、手机号码、电子邮件、通信地址、及/或其他用于申请网上银行服务或与网上银行服务有关的用于验证客户身份的信息)。除非因银行故意或重大过错所致,发生客户身份验证信息泄漏的,客户须承担身份验证信息被未经授权人士使用或被用于未经授权用途的全部风险,以及因该等信息泄漏造成的全部损失,该等损失包括但不限于给客户本人和银行带来的直接和间接的经济损失、名誉损失等。
11. The Customer shall safeguard properly his/her Online Banking identity verification information (including but not limited to the Customer’s Online Banking username, PIN, verification code; bank account number and password; bank card number and password; identity document type and number; mobile phone number, email address, postal address, and/or any other information being used for Online Banking services application or to verify the Customer’s identity with regard to Online Banking services). Unless caused by the Bank’s intentional act or gross negligence, in the case of any identity verification information leakage, the Customer shall assume all the risks of such information being used by unauthorised persons or for unauthorised purposes and shall be liable for all the losses arising from such information leakage, which losses include but not limited to economic and reputational losses, directly or indirectly, suffered by the Customer and the Bank.

12、客户知晓并认可通过网上银行传送指示、信息或通讯将增加错误及在信息安全、隐私保护等方面的风险以及欺诈风险,包括但不限于:
12. The Customer understands and acknowledges that transmission of instructions, messages or communication through Online Banking will increase the errors and risks in respect of information security and privacy protection and the fraudulent risks, including without limitation:

  1. 指示或通知在发送过程中出现的任何错误、迟延或时差;
    Any error, delay or time-lag in transmission of any instruction or communication;
  2. 对于身份鉴别的任何误解或错误;
    Any misunderstanding or error in identity verification;
  3. 疏忽或遗漏执行指示或通知内所载的任何指令或要求;
    Any oversight or omission to carry out any order or request contained in any instruction or communication;
  4. 指示或通知存在任何不清楚的地方或被错误理解或执行;
    Any lack of clarity in or misinterpretation or erroneous execution of any instruction and communication;
  5. 声称是由客户发出的指示或通知实际未经客户授权的;及/或
    Any unauthorised instruction or communication given by any person who purports to be the Customer; and/or
  6. 任何人士做出的欺诈或假冒行为。
    Any fraud or counterfeit behaviour committed by any person.

客户理解并同意,除非银行存在故意或重大过错,银行不会对在线投资项下任何指示或通知的可靠性做出任何陈述或保证,或就任何该等指示或通知的错误、可靠性缺失或机密泄露负责。尽管如此,客户仍愿意接受相关风险并受该等指示或通知约束,并同意除非银行存在故意或重大过错,银行无须为客户或任何第三方因此而产生之损失或损害承担任何责任。
The Customer understands and agrees that the Bank makes no representation or warranty whatsoever as to the reliability of any instruction or communication with regard to Online Investment and the Bank shall not be responsible for any error, lack of reliability or breach of confidentiality of any such instruction or communication, except for the Bank’s intentional act or gross negligence. Nevertheless, the Customer confirms to accept the relevant risks and agrees to be bound by any such instruction or communication, and except for the Bank’s intentional act or gross negligence, the Bank shall not be liable for any losses or damages incurred by the Customer or any third party arising therefrom.

客户声明并承诺其为了接受在线投资服务而提供给银行的所有信息是真实、准确和完整的。对于银行依照客户在线投资之交易申请/指示或通知行事而直接或间接引起或发生之所有索赔、责任、损害、损失及在行使或执行银行的权利时所产生的一切费用、开支,客户同意自行承担并承诺就银行蒙受的该等损失及开支等向银行作出全面的赔偿。
The Customer declares and undertakes that all information he/she provided to the Bank for receiving Online Investment services is true, correct and complete. The Customer agrees and undertakes to be liable for, and fully indemnify the Bank against, all claims, liabilities, damages, losses, and costs, expenses for the exercise or execution of the Bank’s rights, arising directly or indirectly from the Bank acting on any Online Investment transaction application/instruction or communication of the Customer.

客户理解并确认接受上述内容
Customer understands and confirms to accept all the above contents.