渣打银行声纹识别服务条款及细则

The Terms and Conditions for Voice ID Service of Standard Chartered Bank 

一、适用范围

I. Scope of Application

1. 本条款及细则（“本条款”）适用及管理您使用由渣打银行（中国）有限公司（“本行”、或“渣打银行”）提供的渣打银行声纹识别服务。对您和本行具有法律约束力。您和本行应共同遵守本条款。
   • The terms and conditions (“the Terms”) apply and govern your use of the voice ID service provided by Standard Chartered Bank (China) Co., Ltd. (“our bank” or “SCB”). The Terms are legally binding on SCB and you. SCB and you shall abide by the Terms together.

2. 您注册渣打银行声纹识别服务，或您首次使用渣打银行声纹识别服务前，应当仔细阅读本条款并充分理解其相关规定，您有权要求本行就本条款进行充分解释和说明。注册或使用渣打银行声纹识别服务即代表您已仔细阅读、理解并接受本条款，同意受其约束。
   • You should read the Terms carefully and fully understand the relevant provisions before you register for the voice ID service of SCB or before you use the voice ID service for the first time, and you have the right to request SCB to provide full explanation and clarification of the Terms. Registering or using the voice ID service of SCB means that you have carefully read, understood and accepted the Terms and agreed to be bound by the Terms.

二、服务的提供和内容

II. Availability and Content of Services

1. 渣打银行声纹识别服务是指以您在拨打电话银行时使用注册的声纹作为您电话银行登录密码之一, 用作确认您的身份以使用本行电话银行的服务。
   • The voice ID service of SCB is a service that uses your registered voiceprint as one of login passwords for phone banking when you call SCB to confirm your identity for using our phone banking services.

2. 您知悉并同意若您使用渣打银行声纹识别服务：
   • (1)您必须是本行电话银行服务的有效用户;
   • (2) 您需要在电话银行上注册声纹识别服务，并提供三个您的语音样本。
   • (3) 您将被要求使用您的账户号码/信用卡卡号/储蓄卡卡号/身份证号及您预留在本行的手机号码所收到的短信验证码进行渣打银行声纹识别注册程序，并选择使用您的声音以验证本行的电话银行服务；成功完成注册程序后，声纹识别将成为您渣打银行电话银行的登录密码之一；
   • You acknowledge and agree the following if you use SCB’s voice ID service:
   • (1) You must be a valid user of the phone banking services of SCB;
   • (2) You will need to sign up for the voice ID service on phone banking and provide three samples of your voice.
   • (3) You will be asked to use your account number/credit card number/debit card number/ID card number and the short message verification code received by the mobile phone number you have reserved with SCB to register your voice ID with SCB, and choose to use your voice to verify the SCB’s telephone banking services. Upon successful completion of the registration process, your voiceprint will become one of the login passwords with our phone banking;

3. 您仍可选择以其他方式：渣打银行电话银行密码，一次性动态验证码，信用卡查询密码登录本行电话银行。
   • You may choose to log in to the SCB’s phone banking in other ways: through telephone banking password, one-time dynamic verification code or credit card query password.

三、身份验证

III. Identity Verification

1. 如您已通过声纹识别登录本行的电话银行服务或提出授权账户操作指令，您将被视作已验证电话银行服务及/或指示本行作出相关账户操作。您通过声纹识别向本行发出的指令不可撤回或撤销，且成为本行执行您要求登录本行电话银行的指令。您应当对本行执行您通过声纹识别发出的指令所产生的结果独立承担责任。
   • If you have logged onto our phone banking service or instruct us to make account operation via voice ID, you will be deemed to have been verified to access our phone banking service and/or instruct us to make account operation. Your instruction to us via voice ID is irrevocable, and will become the instruction for us to execute your request to access our phone banking. You shall be solely responsible for the results of our execution of the instructions you have made via voice ID.

2. 您知悉渣打银行电话银行的授权认证是在电话银行上的声纹识别认证模块，并且您同意相关认证程序。
   • You are aware that the voice ID access is achieved through the voiceprint recognition and verification module, and you have agreed to the relevant verification program.

3. 您知悉并同意，您通过声纹识别登录本行电话银行后向本行提出授权账户操作指令时，本行有权根据操作指令的风险程度要求您提供其他的身份验证方式（包括但不限于电话银行密码、一次性动态验证码、信用卡查询密码、信用卡卡片验证码等）。
   • You acknowledge and agree that when you log in to our phone banking via voice ID and instruct us to make account operations, we reserve the right to require you to provide alternative identification methods (including but not limited to phone banking password, one-time dynamic verification code, credit card query password, credit card verification code, etc.) depending on the risk level of the operation instructions.

4. 您登录渣打银行电话银行后, 可在任何时候联系人工客服停用渣打银行声纹识别服务。
   • You can deactivate our voice ID service at any time by contacting our human customer service after logging onto SCB’s phone banking.

5. 您知悉并同意，为了使用渣打银行声纹识别服务，渣打银行电话银行将取得您登录的声纹信息，同时您同意本行取得并使用相关资料作渣打银行声纹识别服务之用。
   • You acknowledge and agree that SCB will obtain your voiceprint information for providing voice ID service, and you agree that SCB will obtain and use the relevant information for providing the voice ID service.

四、安全保障

IV. Safety Assurance

1. 您应当在安静并隐私的场所使用声纹识别系统注册/登录您的电话银行，您同意承担因此产生的相关风险以及因此造成的相关损失。
   • You should use the voice ID system to register/log onto our phone banking in a quiet and private place, and you agree to bear the related risks and losses caused thereby.

2. 一旦您知悉或怀疑声纹识别信息被泄露，您应立即拨打本行指定的电话号码通知本行，要求暂停、中止或终止全部/部分声纹识别服务（如可被暂停、中止或终止），并根据本行的要求更改声纹信息、重新登录声纹识别或停用渣打银行声纹识别服务。
   • Once you know or suspect that the voice ID information has been leaked, you should notify SCB by calling the telephone number designated by SCB to request suspension or termination of all/part of the voice ID service (if it can be suspended or terminated) and to change your voiceprint information, log onto the voice ID system again or deactivate your voice ID service as requested by SCB.

五、风险提示和责任约定

V. Risk Warning and Liabilities

1. 您明白认可电话银行的声纹识别认证模组系由第三方服务提供商提供,您的声纹识别的采集、识别、验证系第三方服务提供商的系统完成，并认可电话银行及其系统保存。
   • You understand that the voice recognition and verification module of our phone banking is provided by a third party service provider and that the collection, recognition and verification of your voiceprint are completed by the third party service provider’s system. You acknowledge that your voiceprint information is kept by our phone banking and the third party service provider.

2. 本行不就以下事项作出声明或保证：任何时候能使用渣打银行声纹识别服务；或在任何场景条件下使用声纹识别服务登录电话银行。
   • SCB makes no representations or warranties to: the availability of the SCB’s voice ID service at any time; access to the phone banking via voice ID in any scenario.

3. 除法律、法规禁止的情形外，本行概不为您因以下情况蒙受的损失负责：任何您使用或尝试使用渣打银行电话银行密码登录服务；或您的指示；或任何未经授权通过渣打银行声纹识别服务进行的账户操作。
   • Unless prohibited by the laws and regulations, SCB shall not be liable for any loss incurred by you as a result of: any use or attempt to use SCB phone banking password to log onto the service; or your instructions; or any unauthorized account operation through the voice ID service.

4. 对于本行依照客户之指令或通知行事而直接或间接引起之所有索赔、法律程序、法律责任、损失及在行使或执行本行的权利时（包括在向客户追讨款项时）所产生的一切开支（包括法律费用），客户同意自行承担该等开支，并承诺在本行要求时就本行蒙受的该等损失及开支向本行作出全面的赔偿。
   • The client agrees to be responsible for all the claims, legal procedures, legal liabilities, losses, and all expenses (including legal fees) incurred by SCB in the exercise or enforcement of our rights (including when recovering payments from clients) arising directly or indirectly from SCB’s actions in accordance with the clients’ instructions or notices, and undertakes to indemnify SCB in full against such losses and expenses incurred by SCB upon the request of SCB.

5. 如您有双胞胎或声音特征相近的兄弟姐妹，建议您使用渣打银行电话银行密码服务登录本行的电话银行。
   • If you have twins or siblings with similar voice characteristics, you are advised to use your phone banking password to access SCB’s phone banking service.

6. 如您是青少年，因您的声音特征可能正处于快速发展阶段，建议您使用渣打银行电话银行密码服务登录本行的电话银行。
   • If you are a teenager, you are advised to use your phone banking password to access SCB’s phone banking as your voice characteristics may be changing rapidly.

六、信息转让，共享，公开披露

VI. Information Transfer, Sharing and Public Disclosure

1. 共享
   • Sharing
   • 我们不会与渣打中国以外的任何公司、组织和个人分享您的个人信息，但以下情况除外：
   • We will not share your personal information with any company, organization or individual other than SCB China, with exceptions to the following conditions:
   • 1）在获取明确同意的情况下共享：获得您的明确同意后，我们会与其他方共享您的个人信息。
   • Sharing with other parties after obtaining your explicit consent.
   • 2）我们可能会根据法律法规规定，或按政府主管部门、法院、监管机构、税务机关、或任何其他当局（包括调查犯罪的任何当局）的强制性要求，对外共享您的个人信息。
   • Sharing with other parties in accordance with the laws and regulations, or in accordance with the mandatory requirements of government authorities, courts, regulatory bodies, tax authorities, or any other authorities (including any authorities investigating crimes).
   • 3）基于分散风险、评估风险的需要，披露给专业顾问人员（包括审计人员）、保险公司。
   • Disclosure to professional consultants (including auditors) and insurance companies based on the need to spread risk and assess risk.
   • 4）您死亡或丧失民事行为能力时，您的法定监护人或您的继承人。
   • Disclosure to your legal guardian or heir in the event of your death or incapacity for civil conduct.

2. 转让
   • Transfer
   • 我们不会将您的个人信息转让给任何公司、组织和个人，但以下情况除外：
   • We will not transfer your personal information to any company, organization or individual, except in the following situations:
   • 1）获得您的明确同意后，我们会向其他方转让您的个人信息；
   • Transfer to other parties after obtaining your explicit consent;

3. 公开披露
   • Public disclosure
   • 我们仅会在以下情况下，公开披露您的个人信息：
   • We will make public your personal information only in the following situations:
   • 1）获得您明确同意后；
   • After obtaining your explicit consent;
   • 2）基于法律的披露：在法律、法律程序、诉讼或政府主管部门强制性要求的情况下，我们可能会公开披露您的个人信息。
   • Law-based disclosure: Law-based Disclosure: In case that disclosure is ordered by legal, legal procedure, proceedings or mandatory requirements by the competent authorities of the government authority, we may disclose your personal information.

4. 征得授权同意的例外情形
   • Exceptions to Acquiring Consent and Authorization
   • 根据相关法律法规、监管要求及国家标准，在以下情形中，我们可能会收集、使用、披露您的相关个人信息而无需另行征求您的授权同意：
   • In accordance with relevant laws and regulations, regulatory requirements and national standards, we may collect, use and disclose your personal information without seeking your authorization and consent in the following situations:
   • 1）与国家安全、国防安全直接相关的；
   • The information is directly related to national security and national defense security;
   • 2）与公共安全、公共卫生、重大公共利益直接相关的；
   • The information is directly related to public security, health or interest;
   • 3）与犯罪侦查、起诉、审判和判决执行等直接相关的；
   • The information is directly related to criminal investigation, prosecution, trial and enforcement of sentences;
   • 4）出于维护您或其他个人的生命、财产等重大合法权益但又很难得到您本人同意的；
   • For protection of life, property and other major legal rights of you or other individuals while it is difficult to obtain the personal consent;
   • 5）所收集的个人信息是您自行向社会公众公开的；
   • The personal information collected is made public by yourself;
   • 6）从合法公开披露的信息中收集个人信息的，如合法的新闻报道、政府信息公开等渠道；
   • The personal information is collected from information that legally disclosed into public domain, such as legal news coverage, government information disclosure and other channels;
   • 7）根据您要求签订和履行合同所必需的；
   • It is necessary for signature and execution of the contract in accordance to your request;
   • 8）用于维护所提供的产品或服务的安全稳定运行所必需的，例如发现、处置产品或服务的故障；
   • The information is necessary for maintaining the safe and stable operation of the products or services provided, such as detecting and handling malfunctions in products or services;
   • 9）出于公共利益开展统计或学术研究所必需，且其对外提供学术研究或描述的结果时，对结果中所包含的个人信息进行去标识化处理的；
   • Necessary to carry out statistic or academic research for public interest, provided that the personal information contained is de-identified when the academic research or description results are provided to outside;
   • 10）法律法规及监管要求规定的其他情形。
   • ther situations as stipulated by laws, regulations and regulatory requirements.

七、个人信息保护

VII. Personal Information Protection

1. 我们已使用符合业界标准的安全防护措施保护您提供的个人信息，防止数据遭到未经授权访问、公开披露、使用、修改、损坏或丢失。我们会采取一切合理可行的措施，保护您的个人信息。
   • We have taken security protection measures in conformity with standard of the industry to prevent unauthorized access, disclosure, use, modification, damage or loss of your personal information. We will take all reasonable and feasible measures to protect your personal information.

2. 我们会采取一切合理可行的措施，确保未收集无关的个人信息。我们只会在达成本隐私政策所述目的所需的期限内保留您的个人信息，除非需要延长保留期或受到法律法规的允许。
   • We will take all reasonable and feasible measures to ensure that unrelated personal information is not collected. We will retain your personal information only within the period necessary for achieving the purposes as specified by this Privacy Policy, unless extension of retention period is required or otherwise permitted by laws or regulation.

八、其他条款

VIII. Other Terms

1. 您需要仔细阅读渣打银行网站上的《关于个人金融信息保护的函》（“信息保护函”），且确认您完全理解和接受信息保护函之内容，并授权渣打银行获取、使用和披露本人或本人有关联的个人金融信息，并可在被许可的范围内予以使用和进一步披露。其中，您知晓和特别确认，您的账户号码、鉴别信息、身份证件信息、声纹可能构成敏感信息，即一旦遭到泄露/滥用，可能导致信息主体权益之重大风险，您同意授权渣打银行有权基于服务需要之目的为限收集、处理您的上述信息。除非您本人另行向渣打银行出具撤销授权的书面文件，本授权一直有效。
   • You are required to carefully read the “Letter on the Protection of Personal Financial Information” (the “Information Protection Letter”) on the website of SCB, and confirm that you have fully understood and accepted the content of the Information Protection Letter, and authorize SCB to obtain, use and disclose your personal financial information or other financial information related to you, which can be used and further disclosed within the permitted scope. In particular, you are aware and acknowledge that your account number, identification information, ID information, and voiceprint may constitute sensitive information, that is, its leakage or misuse may cause significant risk to the rights and interests of the information subject. You agree to authorize SCB to have the right to collect and process the above-mentioned information based on the purpose of the service. This authorization shall remain in force unless you send a written document to SCB to revoke the authorization.

2. 除非本条款另有规定，本行可中止，或随时及不时地修订本条款及／或增补新条款。本条款的终止，或任何修订及／或增补，经本行向客户作出合理通知/公告后，即于指定日期开始生效。如客户不接受相关修订及／或增补，可以根据本行相关流程（如有），书面通知本行申请终止全部/部分电话银行服务。客户未明确要求本行终止全部/部分电话银行服务，且在修订及／或增补生效日当日或其后，继续保留或使用此服务，此等修订及／或增补即对客户具有约束力。
   • Unless otherwise provided herein, SCB may suspend, or amend the Terms and/or add new terms at any time and from time to time. The termination of the Terms, or any amendments and/or additions, will become effective on the specified date after SCB has given reasonable notice/announcement to the client. If clients do not accept the relevant amendments and/or additions, they may notify SCB in writing to terminate all/part of the phone banking services according to the relevant procedures of SCB (if any). Such amendments and/or additions shall be binding on clients if they do not expressly request SCB to terminate all/part of the phone banking service and to continue to retain or use the service on or after the effective date of such amendments and/or additions.

3. 渣打银行声纹识别服务是本行的电子银行服务的一部分，本条款为本行《个人电子银行服务条款》的补充条款。如本条款与《个人电子银行服务条款》有任何冲突，有关本行个人声纹识别的内容以本条款为准。《个人电子银行服务条款》请参照 [https://www.sc.com/cn/bank-with-us/e-banking-terms-conditions/]。
   • Voice ID is part of the e-banking services of SCB. The Terms are supplementary to the Terms and Conditions for Personal e-Banking Services of SCB. In the event of any conflict between the Terms and the Terms and Conditions for Personal e-Banking Services, the Terms shall prevail for matters related to the voice ID service. The Terms and Conditions for Personal e-Banking Services can be found at [https://www.sc.com/cn/bank-with-us/e-banking-terms-conditions/].

4. 如本条款设有英文文本，英文文本仅作参考，英文文本与中文文本如有不一致，以中文文本为准。
   • If there is an English version of the Terms, the English version is for reference only. In the event of any inconsistency between the English version and the Chinese version, the Chinese version shall prevail.

5. 如果您有任何疑问、意见、建议或投诉，请通过以下联系方式与我行联系，我行均会及时答复：
   • If you have any questions, comments, suggestions or complaints, please contact us through the following contact details, and we will respond promptly to all of them:
   • 客户服务热线：956083。
   • Customer Service Hotline: 956083.

6. 本条款于2022年7月修订并在本行官方网站sc.com/cn上公布，本修订版自2022年7月3日起生效并施行。自本条款施行之日起，除非本行另行通知，本条款取代之前的与本服务有关的条款 (如有)。
   • The Terms are amended in July of 2022 and published on our official website sc.com/cn. The amendment shall become effective on 3rd July, 2022 . From the date when the Terms become effective, unless otherwise notified by us, the Terms shall supersede the previous terms related to this service (if any).