條款及細則

自 2020 年 11 月 25 日生效。  

最後更新於 2021 年 1 月 20 日。

本協議條款與相關的地區特定條款(包括附件)將管轄 Neat 所提供的 Neat 服務的使用情況,並且將在您與我們之間建立法律關係。

本協議條款中的大寫術語已在名為「定義-主條款及細則」的附件中定義,詳見本協議條款結尾部分。

重要資訊請仔細閱讀以下條款及相關的地區特定條款。  若您設立 Neat 賬戶或使用任何 Neat 服務,或者點擊與使用 Neat 服務有關的「接受」按鈕(或類似按鈕),即表示您同意受到本協議條款與相關的地區特定條款的約束。

1.Neat 的身份、我們的法規資訊及我們的聯絡方式是什麽?

1.1.關於 Neat。Neat 服務將由與您所在地關聯的 Neat 實體(簽約實體)向您提供,實體所在地已在附件 1 中列出。   

1.2.我們不是銀行。  使用 Neat 服務並不等同於使用銀行賬戶存款與轉賬。  根據地區特定條款,您的 Neat 賬戶可能會有其他保護措施(若適用)。  代您持有的資金將不會賺取任何利息。

1.3.保持聯絡。  您可以透過以下渠道聯絡我們的客戶解決方案團隊:

1.3.1. 透過 Neat 網頁客戶端;

1.3.2. 發送電子郵件至 [email protected];與

1.3.3. 寫信給我們的相關實體,地址詳見附件 1(簽約實體)。

2.本協議條款的適用範圍

2.1.覆蓋範圍。  本協議條款管轄 Neat 服務的可用性與使用情況。  本協議條款與我們的私隱政策、網站條款、網站可接受使用政策、我們的定價頁面、任何其他相關條款及細則共同構成您與 Neat 之間的法律協議。  註冊 Neat 賬戶與使用 Neat 服務即表示您同意本協議條款(不時修訂)。  若您使用任何 Neat 服務,您可能必須接受您在註冊 Neat 服務時向您通知的其他條款或補充條款。  其他條款或補充條款應視為本協議條款的一部分。

2.2.我們接受您為客戶。除非適用的法律另有規定,否則我們在本協議條款下的義務將以我們自行權決定接受您為客戶為條件。  我們有權在不指明理由的情況下拒絕為您提供 Neat 服務或設立 Neat 賬戶。對免於疑義,在 (i) 我們已完成合規性檢查且 (ii) 您與您的業務管理員(若適用)同意受到本協議條款的約束後 Neat 服務才會生效。

2.3.修訂。我們可以自行決定修訂、修改或更新本協議條款及任何可能適用的其他條款或補充條款。  我們將在網站的相關部分發佈修訂後的條款並透過電子郵件或 Neat 網頁客戶端向您發送重大變更通知。  除非地區特定條款或變更通知中另有規定,否則變更將立即生效。此等變更將不影響在此等變更生效日期之前發起的交易。若您在條款發生變更之後繼續使用 Neat 服務,則表示您接受變更。

2.4.Neat 服務的變更。除非本協議條中另有具體規定,否則我們有權不經通知隨時變更、暫停或停止 Neat 服務的任何方面,包括營運時間、Neat 服務的可用性或任何 Neat 服務功能,且不承擔責任。此等變更可能是永久或暫時的(例如,出於維護目的)。

2.5.存取條款。您隨時可以透過網站或透過您的 Neat 網頁客戶端存取並檢視本協議條款。

3.Neat 服務

3.1.服務結構。  Neat 服務由基本服務與進階服務組成。  

3.2.基本服務。在您設立 Neat 賬戶後,您可以立即使用基本服務。  您可以使用的基本服務有:

 

基本服務 說明 參考
收款服務 Neat 將在此處根據您的結算指示代您向第三方收取支援的貨幣 參閱附件 2
兌換服務 您可以在此處使用支援的貨幣兌換資金 參閱附件 3
款項匯入服務 您可以在此處將款項匯出給收款人 參閱附件 4
Neat 網頁客戶端 您可以在此處存取與管理您的 Neat 服務 參閱第 4 條
其他 由 Neat 不時為您提供的其他基本服務 待雙方同意的使用條款(若適用)

 

 

3.3.進階服務。進階服務僅面向選定的用戶與/或選定的司法管轄區,此等用戶或司法管轄區由我們自行選擇。  若要接收任何或所有進階服務,您將需要接受其他條款或補充條款。  任何其他或補充條款將構成本協議條款的一部分。

3.4.獨立。根據本協議條款,我們是您的獨立服務供應商。  我們不是您的受託人,也不是您透過 Neat 服務從其接收款項的匯款人或您向其匯出款項的收款人的代理人或受託人。  我們不保證或確保買方或賣方將完成交易,而且我們不對提供的任何產品與服務或產品與服務的交付作出任何陳述或保證。我們不對您業務中的任何產品、服務或任何其他部分承擔任何責任,而且我們不對您出售或獲取的商品或服務負責(若適用),包括但不限於此等商品與服務的或與之有關的任何瑕疵、破裂、故障或不可用。  您應該與相關買方或供應商解決與此等商品與服務有關的所有疑問與爭議。您授權我們根據本協議條款按照您的指示執行交易與款項匯出事宜。

3.5.權利。除了您的 Neat 賬戶的註冊實體或業務管理員之外,其他人或實體對於我們代您收取的資金不享有任何權利。若冒充他人或實體,或者謊稱與任何個人或實體存在關聯,我們將嚴禁其使用 Neat 服務。  Neat 服務旨在針對與業務相關的商業活動實現款項匯出交易。  您僅可出於本協議條款中列明的用途使用 Neat 服務。  我們有權暫停任何和全部因個人原因發起的交易。

3.6.合格性。若要符合 Neat 服務使用資格,您必須通過我們的監管盡職調查、不違反本協議條款,並且之前未被我們關閉過 Neat 賬戶。

3.7.多種貨幣。Neat 服務可透過多種支援的貨幣使用。  

3.8.地區特定條款 除本協議條款之外,您對 Neat 服務的使用還將受到您開展業務之司法管轄區地區特定要求的管轄。  詳情請參閱本協議條款的附件 1。  您將需要同意相關的地區特定條款才能具有 Neat 服務使用資格。  地區特定條款如與本協議條款有不符之處,概以地區特定條款為準。  請仔細閱讀本協議條款及相關地區特定條款。

4.您的 Neat 賬戶與 Neat 網頁客戶端

4.1.註冊。  您可以按照提示透過我們的網站註冊您的 Neat 賬戶。  您可能需要提供補充資訊,以便我們核准您的 Neat 賬戶,使您可以存取 Neat 服務的全部功能。

4.2.業務管理員。您可以指定任何業務管理員,使其擁有使用 Neat 網頁客戶端的權限。除非您書面通知我們,否則(並且我們告知已收到此等通知)業務管理員有權根據您在指定的業務管理員權限透過 Neat 網頁客戶端代您提供指示並執行特定操作。您的業務管理員的行為將對您產生約束力,而且您必須確保他們遵守本協議條款。  您需要將關於業務管理員的所有記錄保持在最新狀態。  如果我們認為業務管理員的資訊不完整或者不符合我們的驗證程序或適用的法律,我們有權拒絕業務管理員存取 Neat 網頁客戶端。  

4.3.Neat 賬戶與 Neat 網頁客戶端。您向我們註冊並且設立 Neat 賬戶後,您將被授予 Neat 網頁客戶端的存取權限。  您僅可擁有一 (1) 個 Neat 賬戶與關聯的 Neat 網頁客戶端。  若我們發現您的 Neat 賬戶超過一 (1) 個,我們可以決定合併或終止您的 Neat 服務。

4.4.Neat 網頁客戶端的使用。  Neat 網頁客戶端是我們的入口網站,您與您的業務管理員可以(取決於他們取得的許可)存取與管理 Neat 服務,其中包括註冊可用的新 Neat 服務。  

4.5.結算單。若適用,您將可以從 Neat 網頁客戶端下載 Neat 結算單摘要

4.6.不活躍的 Neat 賬戶。若您不經常使用 Neat 服務,我們可能會認為您不活躍。不活躍意味著您 (a) 已有六 (6) 個月未在 Neat 網頁客戶端上登入 Neat 賬戶,或者 (b) 已有六 (6) 個月未使用 Neat 賬戶進行交易。一旦您被視為不活躍,我們可能會停用特定的功能與服務,其中甚至包括暫停您對 Neat 服務的使用。您隨時可以請求我們重新啟動您的 Neat 賬戶,而我們可以自行決定是否重新啟動您的 Neat 賬戶。若要啟動您的 Neat 賬戶,您可能需要提供資訊來驗證您的身份。若自您使用 Neat 賬戶最後一次登入之日或最後一次交易之日起一 (1) 年內未重新啟動您的 Neat 賬戶,而且您的 Neat 賬戶中有結餘,您可能會被收取常行閒置費,這筆費用會隨著時間的推移將您的 Neat 賬戶減少至零。若您的 Neat 服務自您使用 Neat 賬戶最後一次登入之日或最後一次交易之日起一 (1) 年後的任何時間結餘為零,我們有權關閉您的 Neat 賬戶並且終止本協議條款。若自您使用 Neat 賬戶最後一次登入之日或最後一次交易之日起兩 (2) 年內沒有重新啟動 Neat 賬戶,並且您的 Neat 賬戶中有結餘,即便賬戶正在被收取管理費用,我們也有權關閉您的 Neat 賬戶並且終止本協議條款。我們將盡合理的努力 (1) 在我們暫停您的 Neat 賬戶之前,(2) 在我們開始收取常行閒置費之前以及 (3) 在我們關閉您的 Neat 賬戶並終止本協議條款之前通知您。

5.身份檢查與資訊請求

5.1.資訊請求您必須配合完成我們的請求(或第三方服務供應商的請求),以便我們讓您使用 Neat 服務、識別或驗證您或業務管理員的身份,或者證實您的資金來源或匯出款項。這可能包括要求您提供更多資訊來幫助我們識別您或業務管理員或者您的董事、合作夥伴與/或最終實益擁有人的身份。

5.2.驗證。我們可能會自行驗證或透過第三方來源驗證我們收到的關於您與業務管理員的任何資訊。您同意並且保證您的所有董事、合夥人、最終實益擁有人與業務管理員(視情況而定)將同意並授權我們或我們的第三方服務供應商執行此等驗證。  您與業務管理員同意我們向第三方供應商發送您的資訊以執行此驗證。  若我們無法以令我們滿意的方式取得或驗證資訊,我們有權關閉、暫停或限制您的 Neat 網頁客戶端存取權限與/或您的 Neat 服務存取權限。

5.3.資訊準確且最新。您必須保證您的 Neat 網頁客戶端上的資訊(包括與業務管理員相關的資訊)始終準確且最新。如果我們認為您的資訊過時或不準確,我們可聯絡您並請求其他資訊或請求您重新完成驗證流程。您必須儘快提供請求的資訊,不得遲於收到請求後的十四 (14) 個工作日。  在我們驗證您的身份時,您的限制可能會相應調整,而且您對 Neat 服務的存取與/或使用可能會暫停。我們不對因您未能根據本條款維護最新資訊或您無法使用 Neat 服務而產生的損失負責。

6.安全性與系統相容性

6.1.確保詳細資訊的安全。您與您的業務管理員必須:

6.1.1. 確保用戶名稱、密碼與其他登入認證的安全;

6.1.2. 採取合理的措施確保您對 Neat 服務的存取是安全的(例如,使用安全的互聯網連接並確保在離開裝置時登出 Neat 網頁客戶端);

6.1.3. 在使用我們的 Neat 服務時遵守合理的指示;

6.1.4. 在本協議條款有效期間或之後請勿做出任何可能會造成損害 Neat 服務安全性的行為;並且

6.1.5. 若您懷疑您的賬戶詳細資訊遭到洩漏,請立即告知我們。

6.2.報告未經授權的使用。若您或您的業務管理員發現有人濫用、盜用或未經授權使用您的用戶名稱、密碼或其他認證,或者您發現其他可疑活動,請務必立即聯絡我們的客戶支援團隊。若您懷疑身份或資金被盜,我們建議您同時聯絡當地警方。

6.3.為使用 Neat 服務,以存取 Neat 網頁客戶端與安裝所有軟件更新,您必須使用相容的硬件與軟件。

6.4.若出現疑似或實際的欺詐或安全威脅,我們會使用您註冊的電子郵件地址透過安全的程序或透過 Neat 網頁客戶端通知您。

6.5.預防金融犯罪。  我們需要按照所有適用的法律以及在各個司法管轄區運作的法定與監管部門的要求行事。  這將涉及到防止洗錢、恐怖主義融資、賄賂、腐敗、既遂或未遂的逃稅、欺詐以及提供可能會受到制裁的金融服務或其他服務等。  我們可以自行決定採取我們認為合適的措施來遵守所有此等適用的法律與要求。

7.費用

7.1.費用支付。若適用,您必須按照定價頁面上的規定在到期日前向我們支付所有適用的費用。您將承擔並支付此等費用的稅費。

7.2.若您未在到期日之前向我們支付到期應付的費用,我們有權暫停您的 Neat 服務存取權限。

8.Neat 服務的使用限制

8.1.受限 Neat 服務。不得將 Neat 服務用於附件 5 中所列的任何受限服務。

8.2.合規性。  您必須僅根據所有適用的法律使用 Neat 服務。

8.3.接受國。我們僅會為了與任何接受國達成交易而接受指示。

8.4.拒絕權。  除非拒絕完成與 Neat 服務相關的操作屬於違法行為,否則我們可能會拒絕完成此等操作,而且我們會盡早將此等拒絕通知您,除非違法,否則通知時間將早於按照本協議條款應將交易計入收款人賬戶的時間。在有正當理由的情況下,我們可能會針對此等拒絕收取費用。

8.5.暫停使用。我們可能會根據特定的監管要求、您的居住國、身份驗證檢查或我們確定的業務要求對所有或部分 Neat 服務的使用實施臨時或永久的限制。  

8.6.違反條款。若我們認為您可能違反了本協議條款,我們可能會採取措施來保護自己與任何其他第三方,措施包括:

8.6.1. 關閉、暫停使用或限制您存取任何或全部 Neat 服務;

8.6.2. 通知任何法院或任何政府、銀行、稅務機構或類似機構或任何其他受您的行為影響的各方;與/或

8.6.3. 撤銷全部或部分交易。

8.7.行動通知。若可行,我們會使用第 13 條(通知與通訊)中規定的方法告訴您我們根據第 8.6 條(違反條款)採取的所有行動,但前提是根據適用的法律我們可以這樣做。

9.限制

9.1.我們會自行決定實施與 Neat 服務有關的限制。限制的詳細資訊會在 Neat 網頁客戶端上不時規定。

9.2.您與業務管理員可以透過登入 Neat 網頁客戶端來檢視這些限制。Neat 可能會不時移除或變更此等限制。

10.我們的抵銷權

10.1.抵銷拖欠我們的金額。  如果發生任何事件,導致我們有權獲得您的補償,為追回您拖欠我們的總額,我們有權扣留您的 Neat 多幣種錢包中的部分或全部金額。您不享有類似的抵銷權。為免於疑義,這將包括您的 Neat 多幣種錢包中任何支援的貨幣結餘表明您因故拖欠我們一筆資金,或者擁有負數結餘或您向我們借貸的任何總額,Neat 可能會使用您持有的該幣種或不同幣種結餘中的資金抵銷您拖欠我們的金額,或者從您的收款服務與支付服務中收到的資金中扣除您拖欠我們的金額,以及從您嘗試提取的款項中扣除資金。

10.2.若拖欠我們的金額所屬的幣種不同於我們在您的 Neat 多幣種錢包中持有的貨幣,我們會將金額兌換為您拖欠我們的金額幣種,兌換時使用的匯率由我們自行決定。我們不需要將此等兌換事宜通知您。

11.一般責任

11.1.您對於損失的責任。您應向我們承擔責任且在我們提出要求後您應該立即向我們支付因下列原因導致或與之有關的所有損失:

11.1.1. 我們根據您或業務管理員的指示或明顯指示行事(若適用,包括但不限於透過電子郵件、電子訊息或透過 Neat 網頁客戶端或 Neat 應用程式);

11.1.2. 與您作出的或代表您或業務管理員作出的此等指示有關的任何事宜;與/或

11.1.3. 我們根據本協議條款及第 12 條(暫停或終止您的 Neat 服務)行使權利;

在各個情況下,損失系因我們的疏忽、故意違約或欺詐引起的除外。

11.2.我們的疏忽。若因我們的疏忽或違反合約的行為而造成損失,我們將立即嘗試糾正錯誤。  在遵守第 8.6 條(違反條款)的前提下,我們將負責所有因我們的疏忽或違反合約的行為導致的直接損失,例如銀行費用與利息。在任何情況下,我們均不對任何間接、不可預見或偶然損失負責,例如機會損失。

11.3.未經授權或錯誤的交易。若發生 (i) 出於善意的未經授權支付或 (ii) 因我們的錯誤而誤執行的支付,我們可能會在收到您的請求後退回支付金額,其中包括所有扣減的費用,但前提是您將未經授權或錯誤的支付告知我們,不得無故拖延,通知時間為自交易日起至少六十 (60) 天內。若經我們自行決定,認為您未能遵守本協議條款的規定,尤其是第 6 條(安全性與系統相容性)的規定,則本條不適用。您可能需要向我們提供與未經授權的支付相關的書面證據。  我們將自行決定是否退還未經授權的支付,包括根據上述條款提供的書面證據決定,並且受到其他可能適用的條件約束。

11.4.遭到洩漏的登入資訊。若用註冊 Neat 服務的電子郵件賬戶的安全性遭到破壞,或 Neat 網頁客戶端的登入詳細資訊遭到洩漏,我們不對資金損失或未經授權的支付負責。  若我們了解到任何可疑的未經授權登入,我們將透過電子郵件通知您,並且會鎖定您的 Neat 賬戶存取權限 30 分鐘,與此同時我們將驗證登入資訊或採取我們經自行決定認為有必要的其他措施。

11.5.不正確或被誤導的交易。若發生不正確或被誤導但經過授權的支付,我們將採取合理的措施幫助您追蹤,並且在合理可行時,追回此等支付,但是我們不對在幫助您的過程中出現的任何無法追回的支付、費用或外匯損失負責。

11.6.Neat 服務的中斷或削弱。我們不對 Neat 服務的中斷或削弱負責,包括但不限於可能影響 Neat 服務的接收、處理、完成或結算的系統故障或其他中斷,我們也不對我們依賴其履行我們在本協議下的義務的任何第三方供應商的中斷或削弱負責。

11.7.系統或服務暫停。我們不對任何我們提前告知的系統或服務暫停負責。

11.8.遵守法律。我們不對因我們遵守任何適用的法律或法定或監管部門的要求(包括與反金融犯罪法規遵循相關)而造成的任何損失負責。

11.9.無法排除。本協議條款中的內容均不得用於排除重大過失、欺詐或欺詐性的失實陳述的責任,也不用於排除根據適用的法律無法透過雙方約定來排除或修改的責任。

11.10.限於 Neat 服務的義務。我們在本協議條款下義務限於為您提供 Neat 服務,但不對您購買或出售的商品或服務的品質、安全性或合法性建立任何責任,也不作出與之相關的任何陳述或背書。

11.11.您的責任。您同意對我們作出捍衛、賠償或補償行動並且使我們、我們企業集團的其他公司及我們依賴或與之合作來提供產品與服務的任何第三方(統稱為「受償人」)免於承擔受償方因您或您的代理人違反本協議條款、違反適用的法律(包括與反洗錢與反恐怖主義融資、反賄賂與反腐敗、貨幣控制與稅務相關的任何適用法律)與/或使用 Neat 服務而產生的任何索賠、要求、開支或成本(包括稅金、律師費、罰款或處罰)。您特此授權我們根據本段落從您的 Neat 多幣種錢包結餘中抵銷您拖欠受償人的金額。本規定在本協議條款終止後依然有效。

11.12.您自擔風險。您在使用 Neat 服務時需自擔風險,而且 Neat 服務「按現狀」提供,沒有任何形式的陳述或保證。  我們不對 Neat 服務或 Neat 服務上使用的或可透過其存取的內容、資料、資訊及功能作出任何類型的陳述或保證,也不對透過 Neat 服務傳輸敏感資訊的安全性作出任何陳述或保證。  我們不保證 Neat 服務不會中斷或沒有錯誤。

11.13.我們的責任。  在適用的法律允許的最大範圍內,根據任何侵權理論、合約、嚴格責任或其他普通法或衡平法理論,我們或我們的聯盟夥伴在任何情況下均不對損失的利潤、間接、附帶、特殊、後果性、懲戒性或懲罰性的損失負責,各項損失由 Neat 與您之間的協議排除在外,無論此等損失是否可預見或者是否 Neat 或任何實體曾被告知過可能會出現此等損失。即便本協議條款中有任何相反的內容,Neat 的累積責任(包括根據本協議條款下的義務或與之有關的索賠、開支、賠償或補償義務)將不超過您在之前十二 (12) 個月因 Neat 服務應付給我們的總費用,而且此等服務在發生引起責任的索賠事件之日前六 (6) 個完整日曆月提供。我們、我們的聯盟夥伴、代理人、代表、董事、高級職員或僱員均不對因超出其合理控制範圍的情況而引起的任何作為或不作為負責。在適用的法律允許的最大範圍內,若自起引索賠或訴訟的作為、事件、情況或不作為第一次發生起超過一 (1) 年,則您特此放棄發起與您使用 Neat 服務有關的此等索賠或訴訟的任何與所有權利。

11.14.僅由 Neat 承擔的責任。  您確認,我們使用第三方提供的便利措施及服務來提供 Neat 服務,包括但不限於銀行、付款服務供應商與清算網絡,而且還可能會向我們的聯盟夥伴、獨立承包商或其他第三方(統稱「供應商」)委派我們在本協議條款下的任何或所有權利與義務。  供應商與您之間不存在任何協議,因此各個供應商對您沒有直接責任。對我們可能不時與供應商簽訂的協議,您並不是其中一方,因此您無權享有或強制行使此等協議下的任何利益或者對供應商發起索賠。

12.暫停或終止您的 Neat 服務

12.1.Neat 終止或暫停服務。我們可能會隨時自行決定終止或暫停您對 Neat 服務的使用。終止或暫停服務(包括存取資金)的理由包括但不限於,(a) 您違反了本協議條款,(b) 您提供了不真實、不完整、不準確或具有誤導性的資訊,(c) 您參與了欺詐、洗錢、恐怖主義融資或其他非法活動,或者我們有理由懷疑您參與了此類活動,(d) 我們有理由認為您的 Neat 賬戶遭到洩漏,或者出於其他安全原因考慮,(e) 若根據任何適用法律的要求、任何監管、執法或其他主管部門的指示,我們需要這樣做,(f) 若您被視為不活躍,或 (g) 本協議條款中有其他規定。我們將會在暫停或終止服務之前通知您,若因故無法事先通知,我們將在暫停或終止服務之後立即通知您,但適用的法律禁止我們通知您的情況除外。

12.2.關閉您的 Neat 賬戶。  您隨時可以透過 Neat 網頁客戶端聯絡我們的客戶解決方案團隊來關閉您的 Neat 賬戶。  在授權您提取任何資金之前,包括在您關閉 Neat 賬戶後向您退還任何資金之前,我們有權針對洗錢、恐怖主義融資、欺詐或其他非法活動執行任何必要的檢查。

12.3.處於調查狀態時,無法終止服務。您無法透過終止 Neat 服務來逃避調查。  若您嘗試在 Neat 進行調查期間終止 Neat 服務,我們可能會凍結您的 Neat 賬戶,以便防止 Neat 服務的各方、聯盟夥伴或第三方承擔任何義務。即便您的 Neat 服務已終止,您仍需要對服務相關義務承擔責任。

12.4.終止 Neat 服務的後果:

12.4.1.所有費用均將到期應付。

12.4.2.關於收款服務,若您的 Neat 多幣種錢包在收款服務終止之時有結餘,我們將要求您在七 (7) 個工作日內將資金全部取出,但我們可能會行使抵銷權,在此期間您的 Neat 多幣種錢包僅可用取出結餘。

12.4.3.關於兌換服務或支付服務,透過 Neat 網頁客戶端提交的任何待定指示將您終止此等服務後的七 (7) 個工作日內取消。

12.4.4.關於任何進階服務,終止程序將在相關補充條款中列出。

12.4.5.除非另有規定,否則所有已付費用不予退還。

12.4.6.一旦您的 Neat 賬戶關閉(不論是您或我們根據本協議條款關閉),並且所有資金已取出或者您的總結餘為零,本協議條款將被視為自動終止(經特別聲明在終止後依然有效的條款除外)。

13.通知與通訊

13.1.我們如何聯絡您。我們將會透過 Neat 網頁客戶端、電子郵件、網站公告或電子訊息(包括短訊、WhatsApp 與微信)以及本協議條款下可用的其他電子途徑聯絡您。您有責任確保您在 Neat 網頁客戶端中使用 Neat 賬戶儲存的聯絡資訊Neat 賬戶正確且最新。

13.2.視為已收到。所有電子格式的通訊將視為「書面」形式,而且視為接收時間不晚於發佈或傳播後的五 (5) 個工作日,不論您是否收到了或讀取了此通訊。凡透過電子郵件發送的通訊或通知,若在工作日的 GMT 時間下午 5 點前在您電子郵件收件匣中收到,或者發佈至您的 Neat 網頁客戶端,將視為您已在當天收到。  若在工作日的 GMT 時間下午 5 點之後或任何其他時間收到,則視為在下一個工作日收到。

13.3.定期登入。您有責任定期登入至 Neat 網頁客戶端並檢視 Neat 網頁客戶端、網站與您的電子郵件。  您有責任檢視關於 Neat 服務的通訊與交易,並在發現任何問題、明顯的錯誤或未經授權的支付時立即報告。若未及時聯絡我們,可能會造成資金損失或喪失重要的權利。

13.4.耐用媒介。  若法律要求我們使用耐用媒介向您提供資訊,我們將向您發送電子郵件(可能含有附件),或向您發送通知來指明網站上或 Neat 網頁客戶端中的資訊,使您能夠打印並保留此資訊,我們還可能會使用便於您永久保留以供未來參考的其他格式。您需要保留我們發送給您的或您可以獲取的所有通訊的副本。

14.數據

14.1.數據處理。我們將確保您的所有個人資訊均根據適用法律的數據隱私和安全規定以及我們發佈的隱私政策持有。。您對 Neat 服務的使用將受到私隱政策的約束,因為您已將其作為本協議條款的一部分予以同意。請您自行閱讀私隱政策。  Neat 可自行決定修訂私隱政策,修訂方式為對網站的私隱政策頁面進行更新。您隨時可以透過點擊網站上的私隱政策部分來檢視私隱政策。

14.2.同意通知。您將在您的 Neat 網頁客戶端上或電子郵件中收到關於新產品功能、促銷等方面的通知。接受本協議條款即表示您同意定期接收此等通知。如果您不希望收到我們發送的任何通知,請聯絡我們的 Neat 客戶服務。

14.3.聯盟夥伴與第三方。為了履行本協議條款下的義務以及為您提供 Neat 服務與/或其他相關服務,我們的第三方合作夥伴與聯盟夥伴可能會收集您的數據,而且我們的聯盟夥伴可能會與我們分享此等數據。

14.4.根據適用的法律披露。您確認並同意,Neat 有權為遵守所有適用的法律與政府與/或其他監管當局的合法要求和/或為保護 Neat、其客戶與其他用戶而存取與披露與您相關的個人數據;以及在我們有合理的理由認為您對 Neat 賬戶的使用違反本協議條款時,或者 Neat 在其他情況下根據任何適用的法律有義務或需要向任何相關當局披露此等信息時,有權向第三方披露個人數據。

14.5.數據保留。  除非適用的法律另有規定,否則我們會在您關閉 Neat 賬戶後或者您最後一次與我們進行交易之日起將您的數據與記錄保留至少五 (5) 年。

15.知識財產

15.1.Neat 技術的產權。Neat 擁有 Neat 技術的所有知識產權。  Neat 向您授予不可撤銷、非獨佔、不可轉讓、免版稅的有限許可,您可以出於使用 Neat 服務的目的根據我們提供的文檔使用 Neat 技術。此授權包括您在使用 Neat 服務時供您使用的 Neat 技術。  您不得將您對於 Neat 技術的權利出租、租賃或以其他方式轉讓給第三方。您必須遵守 Neat 技術隨附的所有文檔中載明的實施與使用要求。若您未遵守我們的指示、實施與使用要求,您將對 Neat 及第三方遭受的所有損失負責。您同意不修改、複製、改編、分發、展示、公佈、逆向設計、翻譯、分解、反向編譯或以其他方式嘗試建立從 Neat 技術衍生而來的任何原始程式碼。本協議條款到期或終止時,您將立即終止對任何 Neat 技術的所有使用。  除本協議條款明確授予的許可之外,Neat 未透過暗示、禁止反言或其他方式向您授予服務或我們任何的知識產權的任何權利或許可。各方應保留各自產品與服務的產權、所有權與權益與其中的所有知識產權,並且僅受本協議條款具體授予的權利與許可的約束。

15.2.知識產權。  知識產權是指如下權利:版權、商標、網域名稱、設計權利、數據庫權利、專利與任何類型的所有其他知識產權,不論其是否(在世界的任何地方)註冊。Neat 的知識財產包括含有「neat.hk」、「neatcommerce.com」在內的所有網域名稱以及與 Neat 服務及 Neat 技術相關的所有徽標。此外,所有頁面標題、自訂圖案、按鈕圖示與指令碼是 Neat 的服務標誌、商標與/或商業外觀。未經事先書面同意,不得複製、模仿或使用此等內容。未經事先書面同意,不得複製、模仿或使用 Neat 的知識產權。

16.投訴

16.1.投訴。我們將嚴肅對待所有投訴。若您需要對我們或 Neat 服務提起投訴,請轉至 Neat 網頁客戶端上的聊天功能,您也可以聯絡我們的客戶解決方案團隊,郵箱為 [email protected]。您應清楚地表明您希望向我們發起投訴。這將有助於我們區別投訴與普通詢問。

16.2.及時解決。我們的目標是儘量針對您的投訴及時為您提供回答與解決方案。  但是,本協議條款中所含的內容均不構成 Neat 對於解決投訴的承諾。

16.3.檢視投訴之後,我們將在合理可行的時間範圍內儘快針對您的投訴發送最終回覆,或者發送電子郵件向您解釋未完成最終回覆的原因。  

17.其他法律條款 

17.1. 權利。  除您之外的其他人均不享有本協議條款下的任何權利。 

17.2. 管轄法律。本協議條款受到管轄相關地區特定條款的相同法律管轄。  

17.3.爭議。若因本協議條款或您對 Neat 服務的使用或與此相關的原因出現爭議或索賠,相關各方應友好協商以解決此等爭議或索賠。  若此等爭議或索賠仍未解決,應按照相關地區特定條款中規定的方式解決。

17.4.無第三方利益。本協議條款預期不用於向任何第三方提供任何利益,第三方無權強制執行本協議條款,特別是任何適用法律規定的條款。

17.5.稅項。您有責任確定哪些稅項(若有)適用於您支付或收到的資金,並且您有責任為相關務部門代收、申報、代繳正確的稅金。我們不負責確定您的 Neat 服務適用哪些稅項,也不負責代收、申報或代繳因 Neat 服務產生的任何稅金。您特此同意遵守與您使用 Neat 服務相關的任何與全部適用的稅法,包括申報與支付因 Neat 服務引起的任何稅金。若您需要從支付給我們的金額中扣除任何稅金,您必須增加應付金額,使我們收到的金額與不需要扣除時一致。

17.6.棄權。若我們未行使本協議條款或適用法律下的任何權利,不應視為構成對此等權利的放棄或對後續違約或類似違約放棄追責。  僅以書面形式作出的放棄方才有效。

17.7.分配或轉讓。我們僅承認您即 Neat 賬戶持有者的權利。未經 Neat 事先書面同意,您不得轉讓、分配、出售或委派您在本協議條款下的任何權利或義務,不得以其他方式向第三方授予您對 Neat 賬戶享有的普通法或衡平法權益。Neat 有權隨時轉讓、分配或委派本協議條款或本協議條款下的任何權利或義務。

17.8.不可抗力。  若 Neat 因罷工、停工、勞資糾紛、斷電、暴動、恐怖主義行動、叛亂、戰爭、泥石流、火災、地震、海嘯、傳染病、瘟疫而延遲或因受到阻礙或妨礙而無法履行任何必要的行動,或此等作為或不作為是因我們在適用法律規定下的義務而引起,或者因具有類似性質的其他類似原因並且並非 Neat 的過錯導致而延遲履行工作或本協議條款下必需完成的行動,則 Neat 應在合理可行的範圍內盡早告知您此等延遲,並且在延遲期間應免除對此等行動的履行,履行此等行動的期限應延長,延長幅度應等同於此等延遲的時長。若我們因超出我們控制的因素而無法履行義務,則我們對您不負有任何責任。若經 Neat 自行決定認為影響 Neat 的不可抗力持續的時間不合理,我們可能會終止本協議條款的部分或全部內容。

17.9.提及書面形式。提及書面形式時將包括電子郵件、Neat 網頁客戶端上的聊天功能以及電子訊息。

17.10.可分割性。若本協議條款的規定被認為無效或無法強制執行,應刪除此等規定且剩餘的規定可強制執行。

17.11.關係。本協議條款預期不用於且未建立任何代理機構、合作關係、合資企業、僱用關係或特許授予關係。

17.12.標題。標題僅供參考之用,不用於定義、限制、解釋、描述此等部分或段落的範圍。

17.13.概以英文版本為準。如果本協議條款翻譯成外語,而且英文版與外語版之間有任何衝突或不一致的地方,概以英文版為準。

 

附件 1 – 簽約實體

「實體」列中具名之 Neat 實體提供的 Neat 服務預期用於在下表中指定的相應司法管轄區成立或者營運業務的客戶。您可以在相關司法管轄區之外存取 Neat 服務,但是您將有責任確保此舉不會違反相關國家的法律。  Neat 實體提議與提供的 Neat 服務可能未包括 Neat 公司集團全部的 Neat 服務。

 

 

司法管轄區 實體 監管核准 地址 相關的區域特定條款
香港 Neat Limited (2312276) 1.金錢服務營運商牌照 (19-06-02796)

2.放債人牌照 (‍0645/2022)

香港灣仔區軒尼詩道 8-12 號中港大廈 10 樓 地區特定條款 – 香港
全球其他地區 Neat Limited (2312276) 1.金錢服務營運商牌照 (19-06-02796)

2.放債人牌照 (‍0645/2022)

香港灣仔區軒尼詩道 8-12 號中港大廈 10 樓 地區特定條款 – 香港

 

 

附件 2 – 收款服務 – Neat 多幣種錢包

1.收款服務說明。  在您設立 Neat 賬戶之後,我們將以您的名義從您的匯款人處收款,資金將匯入您的 Neat 多幣種錢包。您可以根據本協議條款透過我們使用支援的貨幣收款,但前提是須由我們核准您對貨幣的選擇。每一筆收款均為您與我們之間簽訂的個體合約。

2.資金來源。  我們提供收款服務是為了方便您從匯款人處接款或收款。  視乎您的位置而定,資金來源可能存在限制(若適用)。詳情已在相關的地區特定條款中列明。  請仔細閱讀。   

3.資金的接收與結餘  在我們確認收到資金並完成合規性檢查之後,我們將更新您的 Neat 多幣種錢包的結餘。  在更新您的 Neat 多幣種錢包結餘之前,我們不負責任何外幣兌換,一般情況下,我們將在實際收到資金後的一 (1) 個工作日內完成結餘更新。若匯款人將資金轉賬至我們指定的潛在銀行賬戶,該等服務均由第三方提供,並不屬於 Neat 服務。我們無法控制此等資金在匯入之時的清算與結算時長。

4.收款指示。若要使用收款服務收款,您必須將 Neat 分配給您的收款指示提供給匯款人。  您將全權負責向匯款人提供正確的收款指示。若您提供錯誤的收款指示,您將不會收到款項。

5.資金收取。我們將在一個或多個為了提供收款服務而以我們的名義設立的潛在銀行賬戶中收取並保管收取的資金。所有潛在銀行賬戶中的資金將與我們提供的 Neat 服務的其他用戶的資金彙集在一起。作為我們收款服務的一部分,您有權要求我們向您支付我們收取的資金。  在收到您的提款請求後,在遵守下方附件 2 第 6 條(資金提取)的提前下,我們必須向您支付此等資金。

6.資金提取。在遵守下方所列之抵銷權的提前下,您可以提取您的 Neat 多幣種錢包中匯入的任何資金。視乎您的位置而定,提取資金可能存在限制(若適用)。詳情已在相關的地區特定條款中列明。請仔細閱讀。

7.合法來源。  您必須確保我們收到的與 Neat 服務相關的所有資金均出自合法來源,並且符合我們規定的任何政策(例如,關於商品與服務的政策)。  您同意在收到請求後立即提供資金來源的證據。

8.拒絕權。我們保留自行決定隨時拒絕或限制向您支付資金或兌換外幣的權利。  我們可能會因故拒絕向您支付資金或兌換外幣,理由包括為了遵守適用的法律(包括適用的反洗錢法律)或我們的風險管理政策與程序。  若我們拒絕向您支付資金或兌換外幣,我們則有義務告知拒絕的原因。

9.撤回。透過收款服務向您匯入款項的匯款人有權退款或拒付,我們將嘗試撤回匯入的款項並且可能會從您的 Neat 多幣種錢包結餘中扣除此款項,從而撤回款項以及任何適用的外幣兌換費用。  如果兌換的資金已無法在您的 Neat 多幣種錢包中用於撤回,則您同意立即向我們匯入款項,以彌補缺少的資金以及我們因處理此退款而實際產生的適用費用。  我們有權抵銷本條款下任何拖欠金額,詳見下方附件 2 第 13 條(抵銷)的規定。  若匯款人因服務未提供與/或商品未交付或貨不對版而發起支付爭議,並且收款人駁回退款要求,您可能需要為我們提供與您提供的服務或商品有關的書面證據,包括但不限於發票、通信、與交付物相關的單據、運輸證明、追蹤編號以及諸如此類的資訊。若您要求我們代您提出駁回退款的主張,我們將自行決定是否遵照您的要求,作出決定的依據包括之前提及的書面證據,而且可能會受到其他可能適用之情況的約束。

10.保障措施。  我們實施了商業上合理的管理與技術措施來保護與保障收取的 Neat 服務資金。  我們將在指定的銀行賬戶中保管此等資金,將其與我們的企業資金隔離,並且我們不會將此等資金用於我們自己的營運開支。  但是,在此獨立賬戶中為您收取的資金或者從您那裡收到的資金將與 Neat 服務其他用戶的資金混合在一起。  根據地區特定條款,您的 Neat 多幣種錢包可能會有其他保護措施(若適用)。   

若您為了向我們支付費用而向我們支付或匯入資金,則我們絕對享有此等費用的完整產權與所有權,而且此等資金將被視為我們的資金。在適用的法律允許的最大範圍內,此等資金不會放入我們的商業銀行賬戶,並且將不會受到本條的保護。  

根據適用法律,對於向我們匯入的資金,我們不會支付任何利息,其中包括在獨立銀行賬戶中保管的結餘,而且我們可能會出於我們自身利益考慮保留任何賬戶中所存資金積累的利息。

11.受限代理人。  我們將擔任您的受限代理人。您向我們聲明並保證,您透過收款服務收到的每一筆款項僅為您出於善意為匯款人提供的商品與/或服務的款項。

12.抵銷。  您同意我們有權在不事先通知您的情況下隨時組合或合併我們替您保管的可用現金結餘,並且抵銷或兌換屬於該等賬戶貸項的資金,以便(全部或部分)結算您拖欠我們的任何交易金額。  為施行此條款,我們可能會按照 Neat 認為合適的匯率進行必要的貨幣兌換。

13.外匯波動。  考慮到跨境支付的性質以及頻繁牽涉到多個銀行或支付服務供應商,您確認我們可能需要一段時間才會實際收到您的匯款人匯出的款項。  在您的匯款人匯出資金到我們實際收到資金的這段時間,匯率可能會波動,您同意承擔因匯率波動而產生的匯入資金兌換風險。

 

附件 3 – 兌換服務

1.兌換服務說明。  在您設立 Neat 賬戶後,您可以指示我們在獨立的基礎上進行兌換,或者在源幣種不同於回款幣種時作為與提款或回款相關的輔助交易進行兌換。  我們僅為支援的貨幣提供即時兌換服務。  您不得出於投機或投資目的使用兌換服務,若我們認為您請求的兌換屬於槓桿式外匯交易,或者違反適用的法律或我們的風險管理政策,包括我們對您的 Neat 賬戶設定的約束或限制,我們可能會拒絕您的命令。

2.進行兌換。  您可以在您存取 Neat 賬戶時按照 Neat 網頁客戶端中的提示向我們提供必要的詳細資訊,從而指示我們進行兌換。  您的兌換請求將視為在您點擊「確認」之時收到。  我們可能會在以下情況下拒絕您的指示:

2.1. 您的資金不足以進行兌換;

2.2. 您超過了任何適用的上限;

2.3. 您要求的兌換操作在我們看來屬於投機行為;或

2.4. 根據第 12 條(暫停或終止您的 Neat 服務)。

3.充足的資金。  為執行兌換,在您的 Neat 多幣種錢包中,相關支援的貨幣必須有充足的資金來覆蓋全部兌換金額。  您可以直接透過銀行匯入款項的方式向我們支付資金,也可以選擇我們接受的其他方式。在不影響我們在本協議條款下的權利的前提下,您特此確認,我們可以不經通知從代您收取且由我們保管的資金(包括您的 Neat 多幣種錢包中持有的資金)中扣減或抵銷兌換金額與適用的費用。  將資金匯入給我們用於支付款項後,這些資金的完整產權與所有權將絕對轉讓給我們,此等資金將不享有上方附件 2 第 10 條(保障措施)中規定的保障措施。

4.匯率。我們將為每一筆兌換交易設定匯率。  匯率將源自提供贊助的金融機構,而且會以批發貨幣市場中可用的匯率為基礎,若適用法律有所規定,或將採用兌換之日或上一個工作日的相關政府參考匯率。   您可以透過 Neat 網頁客戶端存取兌換交易的指示性匯率。在您透過 Neat 網頁客戶端向我們發出指示時,我們將向您告知指示性匯率,最終的匯率將在兌換交易確認之時確認。我們將在合理可行的範圍內確保最終確認的匯率會反映我們向您告知的匯率,但您確認我們無法始終做到這一點。用於反映兌換交易的最終匯率可能會不同,因為在您發出指示至我們確認的這段時間,匯率可能會發生變化。您同意,匯率變動不經通知立即生效。

5.兌換時間。我們將儘快執行您的兌換指示,通常為一 (1) 個工作日內。

6.外幣管控。  若適用的法律限制與您的兌換命令相關的資金兌換或貨幣兌換,包括在貨幣兌換之後兌換的金額無法匯出給您或您指定的收款人/受益人賬戶,我們不對您可能出現的任何損失負責。  若您的支付或結算命令違反與跨境支付相關的任何適用的法律,我們將無權執行交易命令。  若我們已兌換支付金額,我們可能會選擇當時主流的匯率將此等支付金額重新兌換為原幣種。  與貨幣兌換相關的所有外匯損失與相關費用(包括重新兌換)將由您承擔。

 

附件 4 – 支付服務

1.支付服務說明。  在設立您的 Neat 賬戶之後,您可以按照 Neat 網頁客戶端中的提示提供收款人詳情來指示我們匯出款項。  我們僅處理使用支援的貨幣進行的支付。  每一筆支付均為您與我們之間簽訂的個體合約。

2.進行支付。  您的支付請求將視為您在 Neat 網頁客戶端中點擊「確認」(或類似提示)之時收到。  我們可能會在以下情況下拒絕您的支付指示:

2.1. 第三方收款人/受益人未能通過我們的合規性檢查;

2.2. 您未向我們支付全部的支付金額,以及我們的費用;

2.3. 您超過了任何適用的上限;

2.4. 屬於違法行為;或

2.5. 根據第 12 條(暫停或終止您的 Neat 服務)。

我們有權在匯入的款項因非法而遭到拒絕時採取措施。

3.收款人。  您必須確保在請求進行支付時您輸入的所有收款人與支付詳細資訊正確且完整。  您將全權負責為我們提供準確的資訊。  若因您提供的支付詳細資訊不正確而導致我們向錯誤的收款人賬戶進行支付,我們將不承擔責任。我們可能會向您收取因支付詳細資訊錯誤而導致的費用。

4.充足的資金。  在我們執行您的支付命令之前,您必須向我們支付充足的資金來覆蓋全部的支付金額(以及適用的費用)。  您可以直接透過銀行匯入款項的方式向我們支付資金,也可以選擇我們接受的其他方式。  您特此確認,我們可能會不經通知從代您收取且由我們保管的資金(包括您的 Neat 多幣種錢包中持有的資金)中扣減或抵銷支付金額與應用的費用。  若您的 Neat 多幣種錢包中的資金不是支援的貨幣,則您授權我們將此等貨幣兌換為支付貨幣。使用的匯率為國外支付合作夥伴的標準匯率,該等匯率將在您提出請求時為您提供。  將資金匯入給我們用於支付款項後,這些資金的完整產權與所有權將絕對轉讓給我們,此等資金將不享有上方附件 2 第 10 條(保障措施)中規定的保障措施。

視乎您的位置而定,提取資金可能存在具體限制(若適用)。詳情已在相關的地區特定條款中列明。請仔細閱讀。

5.支付時間。  若您要求我們向收款人進行支付,我們將在合理可行的範圍內儘快支付,在任何情況下,通常為我們收到您的指示後的一個 (1) 工作日內。資金的貸記方法可能會由第三方提供(例如,收款人開設收款人賬戶的銀行),並且這不是我們的 Neat 服務的一部分。我們無法控制收款人的銀行或支付供應商為收款人貸記資金所花的時間,除非我們為遵守適用的法律要求延長時間,否則一般預計不會超過五 (5) 個工作日。

6.退款或取消。  若支付失敗或退款並且資金已返還給我們,則您授權我們將這筆資金重新計入您的 Neat 多幣種錢包,但是需扣減銀行供應商或任何其他支付供應商可能收取的費用。

 

附件 5 – 受限服務

以下為受限服務,您不得:

  1. 將 Neat 服務用於非法用途,包括但不限於欺詐與洗錢、非法性向資料或服務、冒牌產品、非法博彩活動、恐怖主義組織融資、非法購買或出售煙草、武器、處方藥、其他管制物質或適用法律禁止的其他產品。我們將報告可疑的活動並與任何相關執法機構或監管部門合作;
  2. 使用 Neat 服務濫用、利用或規避賣方對其提供的服務施加的使用限制,或者在未支付部分或全部到期金額的情況下取得商品或服務;
  3. 違反本協議條款或您可能已向我們表示同意的任何其他協議或政策;
  4. 未經我們事先書面同意的情況下每個法律實體建立超過一 (1) 個 Neat 賬戶;
  5. 在不限制上述第 (1) 條的情況下,使用 Neat 服務進行有關成年人娛樂/色情物品、拍賣行、慈善機構、化學與類似產品、約會與陪同服務、二元期權、法律服務、政治或宗教組織、電子遊戲遊樂場或設施以及聲稱可以買賣主要銀行擔保、債券、信用證或中期票據的活動;
  6. 侵犯任何版權、專利、商標、商業秘密或其他知識產權,或者公開權或私隱權;
  7. 在使用 Neat 服務時以誹謗、中傷、威脅或騷擾的方式行事;
  8. 為我們提供不真實、不準確或具有誤導性的資訊;
  9. 使用 Neat 服務參與收債活動;
  10. 拒絕配合調查,或拒絕確認您的身份或拒絕提供我們請求的資訊;
  11. 以很可能造成或有可能給我們、第三方或您招致投訴、爭議、撤銷、退款、費用、罰款、懲罰或其他義務的方式開展業務或使用 Neat 服務;
  12. 促進任何可能損害、不利干擾、秘密攔截或侵佔任何系統、數據或資訊的任何病毒、木馬程式、蠕蟲或其他電腦編程例行程式;
  13. 使用匿名代理伺服器;
  14. 未經我們事先書面同意的情況下使用機器人、蜘蛛程式或其他自動裝置或手動過程監控或複製我們的 Neat 技術;
  15. 干擾或試圖干擾我們提供 Neat 服務;
  16. 採取可能導致我們在我們的互聯網服務供應商、支付處理商或其他供應商處失去任何服務的行動;
  17. 使用其他客戶的 Neat 服務;
  18. 以我們認為可能會違反任何適用的電子支付網絡規則、商務卡協會或網絡規則、適用法律的方式使用 Neat 服務;
  19. 出於投機或外匯套利目的使用 Neat 服務交易外匯;
  20. 拒絕或未能提供我們可能會合理請求的關於您或您的業務活動的其他資訊;
  21. 以導致我們會收到大量索賠的方式開展業務或使用 Neat 服務;或
  22. 對我們的員工、顧問或其他代表作出威脅或辱駡的行為,或者是我們視為不可接受的其他行為。

 

附件 – 定義-主條款

在本協議條款中:

「接受國」是指接受收款接受付款的司法管轄區。

「進階服務」是指 Neat 提供的其他服務,詳見補充條款的規定。

「適用的法律」是指適用於您或 Neat 的任何法律、法規、規定、要求、判決、法令、命令、通知或指令,包括但不限於任何全球、聯邦、國家、州或地方的法律、規定、條例與規章,並且包括對您或 Neat 擁有司法管轄權的政府或監管部門頒佈的內容。

「基本服務」是指本協議條款第 3.2 條(基本服務)中所述之服務。

「業務管理員」是指您指定有權作為您授權的人士存取您的 Neat 網頁客戶端(取決於他們取得的許可)以及使用您的 Neat 服務的僱員、承包商或其他人員。  業務管理員權限詳見此處

「工作日」是指在您的 Neat 簽約實體所在地除週六、週日或公共假日之外的日子。

「收款指示」是指 Neat 網頁客戶端上的款項匯入詳情,包括 Neat 為您指定的子賬戶認證。

「收款服務」是指 Neat 根據本協議條款向您提供的收款服務,涉及到 Neat 代您從匯款人處收取資金。

「通訊」是指提供的與 Neat 服務相關的資訊,包括:您同意的任何協議與政策(例如,本協議條款),包括這些協議或政策的更新;披露與通知,包括交易收據或確認書的說明書與報告;結算單與歷史記錄;支付授權與交易收據或確認書;單據;以及與您的 Neat 服務有關的其他資訊。

「兌換」是指透過 Neat 網頁客戶端按照約定的匯率以一種支援的貨幣買賣另一種貨幣的過程,該匯率由 Neat 不時確定的外匯合作夥伴或其他第三方外匯供應商提供。

「兌換服務」是指我們根據與兌換相關的本協議條款提供的服務。

「費用」是指您應付的費用與兌換費(詳見我們的定價頁面)以及我們不時確定的任何其他費用。  

「外國支付合作夥伴」是指我們為了提供 Neat 服務而不時僱用的第三方外匯合作夥伴。  

「上限」是指為 Neat 服務設定的資金上限,詳見您的 Neat 網頁客戶端,我們將不時確定並更新此限制。

「損失」是指所有損失、債務、罰款、收費、損害賠償、訴訟、費用與開支、專業費用(包括實際產生的法律費用)及調查、訴訟、和解、判決、利息與懲罰的支出與成本。

「Neat」、「我們」、「我們的」是指相關地區特定條款中指定的 Neat 實體。

「Neat 賬戶」是指您設立用來存取 Neat 網頁客戶端的賬戶,以便您與您的業務管理員在客戶端上管理您的 Neat 服務。

「Neat 網頁客戶端」是指 Neat 線上入口網站,可以透過我們的網站使用您的 Neat 賬戶存取,您可以在上面管理您的 Neat 服務,包括 Neat 多幣種錢包與支付服務。

「Neat 多幣種錢包」是指我們維護的無息商戶賬戶,我們將在賬戶中記錄 作為收款服務的一部分 Neat 代您收取的資金金額。

「Neat 服務」是指 Neat 根據本協議條款提供的基本服務,以及根據任何補充條款提供的進階服務,或者透過 Neat 網頁客戶端不時加入的任何其他服務。

「Neat 技術」是指網站、Neat 網頁客戶端與 Neat 應用程式,以及任何其他視為為了幫助您使用 Neat 服務而向您提供的技術,還有我們的專有技術,包括我們的軟件(源形式與目標形式)、算法、用戶介面設計、架構與文件(包括打印形式與電子形式)、網絡設計、專門技能、商業秘密,並且包括任何修改、改善與衍生作品。  若您使用為了存取 Neat 網頁客戶端而下載至電腦、裝置或其他平台的我們的軟件(例如 API)、開發人員的工具包或其他軟件應用程式(「軟件」),那麼「Neat 技術」一詞也包括軟件與相應的任何更新、新版本與修改。

「支付」是指作為支付服務的一部分我們為您透過 Neat 網頁客戶端向收款人執行的每一筆交易。

「支付服務」是指 Neat 使用支援的貨幣代您向收款人支付款項的具體指示。

「私隱政策」是指我們不時在網站上公佈的私隱政策

「地區特定條款」是指規定適用於提供 Neat 服務的國家的具體要求的條款。  

「支援的貨幣」是指 Neat 不時核准的各種貨幣,這些貨幣將受到 Neat 服務支援,詳見此處。  

「您」是指為使用 Neat 服務而同意本協議條款的企業,並且包括您的所有董事、僱員、承包商及任何您授權使用您的 Neat 網頁客戶端的人士。

「網站」是指我們的一般網站,網站地址為 www.neatcommerce.com

 

自 2021 年 7 月 5 日生效。

最後更新於 2021 年 8 月 18 日。

1.本政策的範圍

1.1.資料私隱。我們致力於保護與尊重您在香港《個人資料(私隱)條例》(PDPO) (PDPO) 下的私隱權。

1.2.適用範圍本政策詳細載明了我們如何收集、使用、披露、處理與管理您的個人資料(定義見下文)。資訊將透過 Neat 網頁客戶端、Neat 應用程式、電子郵箱、我們的主網站 https://www.neatcommerce.com/ 以及 Neat 服務收集。

1.3.定義。除非本私隱政策的附件中另有定義,否則所有大寫術語具有 Neat 主條款賦予之涵義。

1.4.申請。本政策適用於我們收集的以下資訊:

1.4.1. 我們網站的訪客;

1.4.2. 我們透過使用 Neat 服務(Neat 網頁客戶端與 Neat 服務)而持有且控制的人員個人資料;或

1.4.3. 為提供 Neat 服務而需要的任何其他資料。

1.5. 修訂。本政策可能會不時更新。變更自我們在網站上發佈更新後的政策時生效。發生變更後繼續訪問我們的網站、使用 Neat 應用程式或 Neat 服務,即表示您同意修改後的政策。

1.6. 優先級。任何地區特定私隱政策的優先級均高於本文件。

1.7. 不一致。若本政策的不同版本之間存在任何不一致,概以英文版本為準。任何其他語言版本均為本政策英文版本的譯版。

2.Neat 的身份及我們的聯絡方式是什麽?

2.1.關於 Neat。在本政策中,「我們」、「我們的」或「Neat」是指 Neat Limited,「您」、「您的」是指本政策適用之人,「Neat 集團」是指 Neat Limited、其相關公司、附屬機構與分支機構。

2.2.保持聯絡。您可以透過以下渠道聯絡我們的客戶解決方案團隊,諮詢與本政策或您個人資料相關的任何事宜,也可以提供回饋意見:

2.2.1. 透過 Neat 網頁客戶端;

2.2.2. 透過 Neat 應用程式;以及

2.2.3. 透過電子郵箱 [email protected]

3.我們向您收集哪些資訊(以及原因為何?)?

3.1.我們向您收集的資訊。我們可能會向您收集以下個人資料:

3.1.1. 個人詳情(例如,您的全名、聯絡方式、居住地址、出生日期、身份證/護照詳情與教育詳情);

3.1.2. 您的財務詳情(例如,收入、開支與/或信貸記錄);

3.1.3. 關於您使用 Neat 服務進行的交易的信息(例如餘額、交易各方和賬戶使用情況);

3.1.4. 簽字樣本;

3.1.5. 就業詳情(例如,所擔任的職業、董事職位和其他職位、就業記錄、薪酬與/或福利);

3.1.6. 稅務與保險資訊;

3.1.7. 您所作的通訊(例如,錄音對話、圖像、電子郵件以及調查問卷的意見回饋或回覆等您向我們提供的個人意見);

3.1.8. 在您同意的情況下從流動裝置取得的資訊(例如,裝置位置與資訊);

3.1.9. 您在任何形式的互動過程中向我們或我們的第三方合作夥伴提供的其他個人資料;以及

3.1.10. 與使用 Neat 服務、我們的網站及其他服務或技術相關的資訊,包括您的 IP 位址(參見下方「Cookie」章節)。

3.2.其他發送個人資料的方式。您可以透過您選擇的任何方法我們提供資訊,例如:

3.2.1. 在社交媒體或網絡論壇上發帖;

3.2.2. 回應行銷通訊或其他通訊;以及

3.2.3. 參與優惠或計劃。

4.我們會如何使用您的個人資料?

4.1.使用您的個人資料。我們會出於以下核心業務目的收集並使用您的個人資料:

4.1.1. 驗證您的身份,以便提供 Neat 服務;

4.1.2. 評估與處理申請、指示或請求;

4.1.3. 設定、管理、維護與開發您的 Neat 賬戶與您的 Neat 服務(無論我們是提供方還是轉交方),包括但不限於:

4.1.3.1. 執行商業交易或其他交易以及清算或報告這些交易;

4.1.3.2. 開展研究、規劃與統計分析;或

4.1.3.3. 為了開發或改善我們的 Neat 服務、安全性、服務質量與廣告策略而進行分析;

4.1.4. 為您確定、展示與告知交易狀態,為您提供 Neat 服務與設施的變化更新(無論我們是提供方還是轉交方),包括 Neat 服務與設施及其條款及細則的增添、擴展、暫停與更換;

4.1.5. 履行我們在與第三方供應商協議下的任何義務

4.1.6. 允許我們為您提供 Neat 服務;

4.1.7. 達到我們的篩查或盡職調查要求,或者根據法律、法規、法庭命令進行披露,以及遵守資料監管機構或任何其他當局頒佈的指南;

4.1.8. 管理我們的基礎設施與業務營運並遵守內部政策與規程;

4.1.9. 監控由我們提供或通過我們提供的產品和服務;

4.1.10. 財務報告、監管報告、管理報告、風險報告(包括監管信用風險)、審計與記錄保存目的;

4.1.11. 進行行銷與統計研究與分析;

4.1.12. 確保、檢查或審查您持續信譽;

4.1.13. 回應查詢或意見回饋;

4.1.14. 處理或調查任何投訴、索賠或爭議;

4.1.15. 設計金融服務或相關的產品供您使用;

4.1.16. 強制執行未對我們履行的義務;

4.1.17. 徵求專業建議,包括法律建議;以及

4.1.18. 直接與上述目的相關的任何其他目的。

4.2.自願提供的資訊。除了上方第 4.1 段列明的原因之外,您可自願提供個人資料。

5.您的個人資料會被轉移給誰?

5.1.我們可能會披露的資訊。我們可能會出於以下目的向以下第三方披露您的個人資料:

5.1.1. 我們的任何工作夥伴(包括 Neat 集團中的任何公司),無論是位於香港還是其他地方,以便管理與提供 Neat 服務、網站、Neat 應用程式、通訊或我們不時決定的任何其他產品或服務;

5.1.2. 法律要求的任何政府或監管機構;

5.1.3. 您參與的交易的一方;以及

5.1.4. 需要合理資訊的任何相關方,若您未能履行您與我們簽訂的協議或我們代表您簽訂的協議中規定的義務。

5.2.保密。上述第三方對我們或相關資料監管機構負有保密義務。如需詳細瞭解我們會與之分享您的個人資料的第三方之資訊,可以聯絡我們取得詳情(請參閱上方章節「如何聯絡我們」)。

5.3.出售業務。如果我們的業務被出售或與其他業務整合,您的詳細資訊可能會被披露給我們的顧問及任何潛在的購買人及其顧問,您的詳細資訊將會被交給新的業務擁有者。

5.4. 海外轉移。我們可能會在香港境外轉移、儲存、處理與/或處置您的個人資料。為此,我們將遵守 PDPO 及其他適用的資料保護與私隱法律,例如歐盟《通用數據保障條例》 (GDPR)。

6.位置資料

6.1.若您開啟了位置服務,您的流動裝置可能會發送您的實際位置資訊(例如,GPS 訊號),而我們可能會利用此等資訊。您在下載 Neat 應用程式時將需要同意使用位置服務,若為 iOS 裝置,則在您首次使用需要存取與使用位置資料的功能時需要同意使用位置服務。您隨時可以透過關閉流動裝置上的位置服務設定來撤銷同意。

7.直接行銷

7.1.將您的個人資料用於直接行銷。我們希望將您的聯絡資訊用於直接行銷,包括您的電話號碼、地址與電子郵件地址,但是須徵求您的同意(包括表示不反對)。因此,使用 Neat 服務即表示您同意我們不時使用您的聯絡資訊推廣與行銷以下服務:

7.1.1. 我們財務、商戶與相關服務及產品;以及

7.1.2. 推廣我們的獎勵、忠誠度、品牌合作或特權計劃及相關服務。我們還希望將您的聯絡資訊提供給第三方,從而取得直接行銷的益處,但是須徵求您的書面同意。

7.2.分享您的個人資料。使用 Neat 服務即表示您也同意我們不時與我們的品牌合作夥伴分享您的聯絡資訊,包括金融服務公司、軟件公司與保險公司,以便行銷其服務與產品。

7.3.停止直接行銷通訊。若您之後決定不再希望收到任何此等直接行銷通訊,您可以隨時聯絡我們的資料保護主任(參見下方第 10.3 段中的聯絡方式)選擇退出,我們將在合理可行的範圍內儘快滿足您的要求。請注意,若您選擇不再接收直接行銷通訊,我們可能仍會為了向您提供 Neat 服務而向您發送必要的重要管理訊息。

7.4. 法律。使將您的資料用於直接行銷時,我們將遵守 PDPO 及其他適用資料保護與私隱法律,例如 GDPR。

8.您個人資料的安全性、轉移與保留

8.1.保護您的個人資料。確保您的個人資料的安全性是我們的首要任務。我們將採取所有合理的措施來保護您的個人資料。我們採納主動式「縱深防禦」與「私隱始於設計」概念,並且透過我們的 IT 系統配置了多層安全控制措施。這包括遵守 PCI DSS(支付卡產業資料安全標準)、透過 TLS 版本 1.2 傳輸所有資訊以及至少使用 SHA-256 加密所有資料。我們還設定了安全的編碼規程與複雜的密碼規則;對所有內部系統啟用了雙重身份驗證。此外,我們對所有員工進行了背景調查,執行了年度滲透測試,以防未經授權存取與使用您的個人資料。

8.2.限制。若透過互聯網儲存、存取或轉移個人資料,則個人資料並非絕對安全。我們將採取合理的步驟保護您的個人資料,但我們無法控制也不能保證在 Neat 網頁客戶端與 Neat 應用程式之外透過互聯網傳輸您的個人資料的安全性。因此,您將自行承擔此等儲存、存取或轉移的風險。

8.3.第三方連結。我們的 Neat 網頁客戶端、Neat 應用程式與網站可能會不時含有第三方網站的連結。若您點擊這些流動應用程式或網站的連結,請注意,這些流動應用程式與網站有自己的私隱政策,我們不對這些政策承擔任何責任或義務。請在向這些流動應用程式與網站提交個人資料之前查看相應的政策。

8.4.保留個人資料。我們將僱用與採用服務供應商,他們會根據適用的法律與監管要求將您的個人資料保留必要的時長。

9.Cookie

9.1.使用 Cookie。為了改善您在使用 Neat 服務時的體驗品質,以及為了將您與這些服務的其他用戶區分開來,我們可能會在我們的網站、Neat 網頁客戶端及 Neat 應用程式上使用如 Cookie 等追蹤技術,以便收集與使用個人資料或其他資訊。Cookie 是一種小型檔案,由字母與數字組成,在您瀏覽我們的 Neat 網頁客戶端、Neat 應用程式或我們的網站的特定部分時,我們的網絡伺服器會將其發送至您的電腦或流動裝置。我們使用的 Cookie 是「分析型」Cookie。這可以讓我們識別與統計訪客數量並且查看訪客在使用網站時的活動情況。

9.2.停用 Cookie。變更網頁瀏覽器或流動裝置上的設定可以停用 Cookie,但是在使用我們的 Neat 應用程式時無法完成此操作。但是,停用 Cookie 後您將無法使用特定的功能或登入至 Neat 網頁客戶端、Neat 應用程式或網站上的安全頁面。

9.3.記錄的資訊。可能記錄的資訊包括:

9.3.1. IP 位址;

9.3.2. MAC 位址;

9.3.3. 裝置類型

9.3.4. 作業系統;以及

9.3.5. 互聯網瀏覽器類型;以及

9.3.6. 使用情況的資料,例如在我們的網站上逗留的時間、訪問過的網站、點擊過的連結、將您引導或轉介至我們網站的頁面。

10.您的資料隱私權 – 存取與糾正

10.1.在遵守 PDPO 的前提下,您可以:

10.1.1. 瞭解我們是否持有關於您的個人資料並存取該資訊,以及瞭解我們已如何使用與披露該資訊;

10.1.2. 要求我們糾正我們持有的您的個人資料的不準確內容;

10.1.3. 要求我們停止處理我們持有的您的個人資料;以及

10.1.4. 確定我們的政策與實踐中與您的個人資料相關的內容。

10.2.資料存取要求 (DAR)。若您要求存取或糾正個人資料,根據 PDPO,我們有權:

10.2.1. 針對處理資料存取要求收取合理的費用,在此情況下,我們將告知您費用金額以及收受的支付方式;或

10.2.2. 在有正當的拒絕理由時拒絕要求,但我們會向您告知此等理由。

10.3. 若您要求存取或糾正個人資料,要求我們停止處理您的個人資料,或者要求取得關於我們的資料保護政策與實踐的資訊,請寫信至以下地址:

Allen Slingsby – 資料保護主任 

Neat Limited

香港

灣仔

軒尼詩道 8-12 號

中港大廈 10 樓

電子郵箱:[email protected]

10.4. 回應時間。一般而言,根據 PDPO,我們會在收到要求後的 40 個日曆日內回應個人資料存取或修訂請求。若我們因故無法在 40 天期滿之前滿足要求,我們會書面告知您原因,並在期滿後在切實可行的範圍內儘快滿足此等要求。

附件 – 隱私政策定義

在本政策中:

「Neat 賬戶」是指您設立用來存取 Neat 網頁客戶端的賬戶,以便您與您的業務管理員在客戶端上管理您的 Neat 服務。

「Neat 服務」是指 Neat 根據主服務協議提供的基本服務,以及根據任何補充條款提供的進階服務,或者透過 Neat 網頁客戶端不時加入的任何其他服務。

「個人資料」是指關於您的任何資料或資訊,而且可以根據 (i) 此資料;或 (ii) 此資料與我們可以存取或可能可以存取的其他資訊識別您的身份。

 

Effective from 16 September, 2021

COOKIE POLICY

    1. Introduction

      1. This Cookie Policy explains how Neat Limited (“we“, “us” or “our“), uses cookies on our website at https://www.neatcommerce.com/.
      2. We may update this Cookie Policy from time to time. If there is any material change to this Cookie Policy, we will notify you either by posting a notice on our website or by sending you an email notice or by other means permitted under applicable law. 
      3. Please also see our Privacy Policy on how we use and manage your personal information. 
    2. What are cookies?

      1. Cookies are small text files that are stored on your computer or mobile device by websites that you visit. The content of a cookie can only be retrieved or read by the server that creates it. Each cookie is unique to your web browsers or mobile apps. Cookies usually contain identifiers, commonly-used information, and other details. For instance, you can reduce the number of login authentications needed and improve your experience through cookie technology when browsing different pages of our website. Otherwise, you may not be identified as the same person and may be asked to enter the authentication information again if logging on to our website.
      2. You can learn more about cookies at www.allaboutcookies.org and www.youronlinechoices.eu.
  • Why we use cookies
    1. Cookies help us and thirdparty service providers to better understand user behavior, tell us which section of our website you have browsed, and measure and improve the effectiveness of our services. 
    2. We will not use cookies for any purpose other than as described in this Cookie Policy. You can manage or delete cookies based on your own preferences. However, please note that some of our services may be designed to require the use of cookies and disabling cookies may affect your rights to use these services or some of these features.
  1. Cookies we use

    1. Session Cookies. A session cookie expires after you close your browser and will not be stored on your hard drive. A session cookie is generally used to track the pages on a site that you visit so that information can be customised in relation to a specific visit to a page of the website. 
    2. Persistent Cookies. Persistent cookies do not expire when you close your browser and will be stored on your hard drive until you actively choose to delete them or when each cookie reaches its expiry date. Such cookies can be used to store your preferences when you use this site. 
    3. We use the following types of cookies:
      1. Strictly necessary cookies – These are cookies that are required for the operation of our website. This website uses cookies to allow you to navigate and use the key features on the site. 

List of strictly necessary cookies

Cookie Name Purpose Duration Type
_cfduid The cookie is set by CloudFare (our CDN provider). The cookie is used to identify trusted web traffic.  Further information can be found about this cookie by going to: https://support.cloudflare.com/hc/en-us/articles/200170156-Understanding-the-Cloudflare-Cookies 4 weeks HTTP
neat-business-web / neat-business-web.sig User session cookie for business dashboard logged in users. The value of the cookie is simply a hash. The session and actual data is on server side. 15 minute sessions, although “no logged in user session” will still be hashed to a cookie cookie
_stripe_sid / _stripe_mid Required by stripe SDK for stripe payments 1 year cookie

 

  1. Analytical/performance cookies – These cookies allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

List of analytical/performance cookies

Name Purpose Duration Type
utm_campaign This cookie is used to flag the last attributable campaign that the user accessed. Persistent Analytics and advertising cookies
_dc_gtm_UA-# This cookie controls other cookies on the website. Session HTTP
_ga Allows us to see how many users are on the Neat website, which pages they are visiting and track how many visitors joined Neat. 2 years HTTP 
_gat A cookie used by Google Analytics to throttle the request rate Session HTTP
_gid Registers a unique ID that is used to generate statistical data on how the visitor uses the website  Session HTTP
Google Ads A cookie that shows us how effective our Neat ad campaigns are by tracking how many users click through to our website from a particular ad, and the demographic of those users. Analytics and advertising cookies
Facebook Ads Tells us how our ads on Facebook are working and what kinds of users are interested in Neat. Persistent Analytics and advertising cookies
mp_#_mixpanel It registers a unique user ID that recognises the user’s browser when visiting websites that use the same ad network. The purpose is to optimise display of ads based on the user’s movements and various ad providers’ bids for displaying user ads. 1 year HTTP
_hjAbsoluteSessioninProgress This cookie is used to count how many times a website has been visited by different visitors – this is done by assigning the visitor an ID, so the visitor does not get registered twice Session HTTP
_hjFirstSeen This cookie is used to determine if the visitor has visited the website before, or if it is a new visitor on the website Session HTTP
_hjid This cookie sets a unique ID for the session.  This allows us to obtain data on visitor behaviour for statistical purposes Persistent HTTP
_hjincludedinPageviewSample This cookie determines if the user’s navigation should be registered in a certain statistical place holder.  Session HTTP
_hjTLDTest Registers statistical data on users’ behaviour on the website.  Used for internal analytics by the website operator.  Session HTTP
_dd_s Used to integrate with datadog logging / error tracking persistent cookie
nQ_userVisitId Albacross cookie

 

  1. Functionality Cookies – These cookies are used to recognise you when you return to our website. This enables us to personalise our content for you – for example, to remember your preferences, such as your choice of language or region.

List of functionality cookies

Name Purpose Duration Type
add_bank_account_information_for_payouts control display of a one time message persistent cookie
incorporate_in_hk_to_get_visa_cards control display of a one time message persistent cookie
join_visa_mailing_list control display of a one time message persistent cookie
__zlcmid enable zendesk chat integration persistent cookie

 

  1. Third party cookies – Please be aware that where there are third party links, plug- ins or applications on our site, and you click these links, the third parties who operate such websites, applications may use cookies for which we have no control.  These third party cookies are likely to be analytical cookies or performance cookies or targeting cookies. 
    1. Third parties include: Facebook, LinkedIn and Google. 
    2. You should refer to the privacy and cookies policy of these third parties for further information as to the type of cookies and how data is used.
Third-party services Link to opt-out
Google Analytics https://tools.google.com/dlpage/gaoptout
Google / DoubleClick https://adssettings.google.com/
LinkedIn https://www.linkedin.com/help/linkedin/answer/62931/manage-advertising-preferences?lang=en

 

  1. How to control cookies

    1. You can manage your cookies preferences by clicking on “manage your cookie preferences” below.  
    2. You may also be able to manage preferences for cookies directly from within your own browser and prevent third parties from installing cookies on your device. Through the browser preferences, it is also possible to delete cookies installed in the past, including the cookies that might possibly have saved the consent for the installation of cookies by this website. It is important to note that by disabling all cookies, the functioning of this site may be compromised. Find out how to manage cookies on popular browsers:

Chrome: https://support.google.com/chrome/answer/95647?hl=en

Safari: https://support.apple.com/en-gb/guide/safari/sfri11471/mac

Firefox: https://support.mozilla.org/en-US/kb/clear-cookies-and-site-data-firefox

Opera: https://help.opera.com/en/latest/web-preferences/

Explorer: https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies

    1. Similar technologies

  • In addition to cookies, we also use other similar technologies such as:
      1. local storage – used by apps to store access token
      2. pixel tags – used by the Business Dashboard

Effective from 5 October, 2020

NEAT AFFILIATE PROGRAM TERMS AND CONDITIONS

Welcome to our rewards program where you as an Affiliate will be able to benefit from promoting our products to your network.

You are required to read the full T&Cs below, but just to point you in the right direction:

What do you need to do to join as an Affiliate? 
Clause (s) 
  • Sign up using the Affiliate Sign-Up Form.  
  • Once we receive this, our compliance team will do some checks to make sure you comply with our internal requirements.  We may need to ask you some additional questions here. 
Clause 3.1
How does Neat support you? 
We provide you with: 
  • Marketing Materials for you to use for your promotions
  • Marketing Guidelines so you know what you can and can’t do to promote Neat products (this is important as there are strict regulatory requirements for marketing of our products)
  • Ongoing Marketing Training and testing so you know how to use the Marketing Materials and fully understand the Marketing Guidelines
  • Data on your success as an Affiliate
Clause 3

Schedule B

Clause 2.1
What do you need to do to receive rewards? 
Promote to your networks so you get as many Successful Referrals as you can, using the Marketing Materials and within the Marketing Guidelines. 
Clause 3.4 
What is a “Successful Referral”? 
Successful Referrals are those who successfully sign up to a Neat Business Product, using your unique link or promotion code.  It’s important to note that there are specific criteria for your Successful Referrals to meet before they are successful and this  includes meeting our compliance checks. 

Compliance is very important to a business like ours, so if too many of your referrals are rejected because they do not pass our compliance checks, we are able to terminate these terms. 
Clause 1 “Successful Referral” definition

Clause 10.2(D)
What are your rewards? 
Depending on whether you have opted for a commission or non-commission structure, you’ll receive cash rewards for yourself or benefits to pass onto your Successful Referrals.
Clause 4 and Annex A
What are the restrictions on you?
You will need to at all times comply with these terms , including the Marketing Guidelines, Marketing Materials and participate in the Marketing Training and prescribed testing, maintain a Successful Referral rate below the required Unsuccessful Threshold.

Non-compliance may lead to immediate termination of these terms, as well as hold and clawback of your Commissions or benefits. 
Clause 10 and clause 3.1

Clause 4.3(D)

IMPORTANT: Please read carefully the following terms. You acknowledge that you understand and agree to all of these terms if you apply to be an affiliate of Neat and have clicked the acceptance button with respect to your application to become an affiliate of Neat.

these terms is between you (as an applicant to be an affiliate of Neat) (“Affiliate”, “you”) and Neat Limited incorporated and registered in Hong Kong with company number 2312276 whose registered office is at 10/F, China Hong Kong Tower, 8-12 Hennessy Road, Wan Chai, Hong Kong (“Company”, “Neat”, “Us”, “Our”).

Neat operates an affiliate network and the Affiliate wishes to become a member of this affiliate network on the following Terms. You may, for as long as you are an approved affiliate of Neat’s affiliate network and subject to your continued compliance with these terms, refer and introduce potential customers to Neat via the Affiliate Web Link.

1. Interpretation

1.1. The definitions and rules of interpretation in this clause apply in this agreement.

“Affiliate Guidelines” means guidelines and instructions provided to the Affiliate by the Company prescribing the permitted form and manner in which the Affiliate may refer to the Company and use the Marketing Materials, including the Affiliate Guidelines set out in Schedule 1 and any amendments or additions notified in writing by the Company from time to time.

“Affiliate Training” means the training on the Affiliate Guidelines, Marketing Materials and/or other training materials as produced by Neat from time to time, to be completed by Affiliates, and all their relevant staff, in accordance with the terms specified in Schedule A.

“Affiliate Sign-Up Form” means the form which the Affiliate must complete in order to apply to be an Affiliate of the Company.

“Affiliate Reference” means: 1. a unique promotion code provided to you via which we can track your Referred Users; or 2. a uniform resource locator (URL) linking directly to the Website and the means via which a Referred User will be recorded.

“Business Day” means a day other than a Saturday, Sunday or public holiday in Hong Kong.

“Commission” means in respect of each Successful Referral, the fixed rate set out in Part B of Schedule A, which is inclusive of all Taxes and any other fees and charges payable in connection with Affiliate’s activities under these terms.

“Community Referral” means a Successful Referral where the Commission is passed directly to the Successful Referral.

“Website” means the our website at any time and from time to time, currently at www.neatcommerce.com and including all databases, software, domain names, infrastructure, products and services that the Company markets for use by individual users to shop for the Company’s products and services. Website includes all future versions and replacements of, and successors to, the site.

“Confidential Information” means all proprietary and confidential information of the Company or of the Affiliate and their customers, clients, personnel or suppliers (including any Referred Users or prospective Referred Users), whether commercial, financial, technical or otherwise, whether in oral, written, machine readable or any other form, and whether designated as confidential or which by its nature a party ought reasonably know is confidential.

“Effective Date” means the date on which you submit your Affiliate Sign-Up Form.

“FCA” means the Financial Conduct Authority in the United Kingdom

“Intellectual Property” means the Company’s intellectual property as specified in clause 3.5.

“Marketing Guidelines” means the marketing guidelines specified in Schedule B, and updated by the Company from time to time.

“Marketing Materials” means any materials provided by the Company to the Affiliate, including any permitted Intellectual Property, which may be used by the Affiliate for its marketing and promotion of the Website and the Neat Business Products, in accordance with the Marketing Guidelines, which may be updated by the Company from time to time.

“Neat Account” means the account provided by Neat through the Website where Successful Referrals can apply for the Neat Business Products.

“Neat Business Products” means the products listed on the Website, as available https://www.neatcommerce.com/business/features, on the specific terms outlined in Schedule A, which may be changed and modified but Neat from time to time.

“Neat Multi-Currency Wallet” means the Neat wallet governed by the Neat Business Terms, which can be found here.

“Quarter” means each period of January – March (inclusive), April – June (inclusive), July – September (inclusive) and October – December (inclusive).

“Referred User” means a potential customer referred by the Affiliate who has clicked through to the Website from the Affiliate Web Link.

“Successful Referral” means a referral where all of the following conditions are met:

A) the referral relates to a Referred User was first referred by the Affiliate (and not any other affiliate in the Company’s affiliate network);
B) the Referred User completes an application for a Neat Account or Neat Incorporation Package within 60 days after using the Affiliate Reference;
C) he Referred User is a person or corporate entity that does not yet hold a Neat Account or used a Neat Incorporation Package or initiated a Neat Account application or Neat Incorporation Package prior to first using the Affiliate Reference;

D) the Referred User is not known to the Company via the Company’s own marketing and business development activities application prior to first using the Affiliate Reference;
E) the Referred User satisfies our internal compliance checks;
F) the Referred User, for one or more of the Neat Business Products meets the specific terms outlined in Schedule A.

“Taxes” means any tax, levy, impost, duty or similar charge or fee (including value added tax, goods and services tax, withholding tax and income tax).

“Third Party Platform” means the affiliate tracking software platform known as Tapfiliate (and as located at https://tapfiliate.com/) or other third party tracking software platform that may be used by the Company from time to time.

“Unsuccessful Compliance Referrals” means Referred Users that do not satisfy our internal compliance checks (see “Successful Referral” (E))

“Unsuccessful Threshold” means the percentage limit of of Unsuccessful Compliance Referrals as set out in Schedule A, as updated by the Company from time to time

“Neat”, “us”, “our”, “we” means Neat Limited, a company incorporated in Hong Kong with company number 2312276 and whose registered office is at 10/F, China Hong Kong Tower, 8-12 Hennessy Road, Wan Chai, Hong Kong, a licensed money service operator (license number: 19-06-02796).

1.2 Clause, Schedule and paragraph headings shall not affect the interpretation of these terms.

1.3 A person includes a natural person, corporate or unincorporated body (whether or not having separate legal personality).

1.4 A reference to a company shall include any company, corporation or other body corporate, wherever and however incorporated or established.

1.5 Unless the context otherwise requires, words in the singular shall include the plural and in the plural include the singular.

1.6 Unless the context otherwise requires, a reference to one gender shall include a reference to the other genders.

1.7 A reference to a statute or statutory provision is a reference to it as amended, extended or re-enacted from time to time.

1.8 A reference to writing or written includes faxes and email.

1.9 References to clauses and Schedules are to the clauses and Schedules of these terms and references to paragraphs are to paragraphs of the relevant Schedule.

1.10 Any words following the terms including, include, in particular, for example or any similar expression shall be construed as illustrative and shall not limit the sense of the words, description, definition, phrase or term preceding those terms.

1.11 A reference to these terms includes these terms as well as Neat’s Website Terms, Neat’s Privacy Policy, Neat’s Website Acceptable Use Policy (collectively, the “Other Terms”, which are incorporated by reference. In the event of a conflict between these terms and the Other Terms, these terms will prevail.

2. Company’s obligations

2.1 Within 7 days of the end of each Quarter, we will provide the Affiliate with a report in our standard form setting out for the relevant Quarter the total number of:

A) Referred Users who have registered on the Website after using an Affiliate Reference;
B) Successful Referrals;
C) Unsuccessful Compliance Referrals; and
D) completed Affiliate Trainings.

2.2 We may at any time or times without prior notice to Affiliate:

A) change the Website;
B) change the Affiliate Guidelines and/or provide new or additional instructions prescribing the permitted form and manner in which the Affiliate may refer to the Company; and
C) target the Website at potential customers in such additional countries or regions as it chooses.

2.3 These Terms are non-exclusive and do not prevent or restrict us from entering into similar or different agreements with third parties or engaging in its own marketing and business development activities. We make no representation that the terms of these terms are similar to or the same as the terms of any other agreement it has entered or may enter into with any third party.

3. Affiliate’s obligations

3.1 The Affiliate shall apply to become an affiliate of the Company by clicking on the link to the Affiliate Sign-Up Form to be provided by the Company and available via the Third Party Platform and completing the Affiliate Sign-Up Form. By submitting the Affiliate Sign-Up Form, the Affiliate will also be required to accept the terms and conditions of the Third Party Platform. The Company may accept or reject the Affiliate’s application at its sole discretion. If the Company rejects the Affiliate’s application, these terms will come to an end.

3.2 The Affiliate is solely responsible for ensuring that all information provided by it in the Affiliate Sign-Up Form (including information relating to its own Neat Multi-currency Wallet or other account into which Commission payments are to be made) is accurate and complete.

3.3 The Affiliate shall conduct its referral activities in respect of the Company:

A) strictly in accordance with these terms, including without limitation the Affiliate Guidelines, any Marketing Materials and participating in the Affiliate Training;
B) via online or offline means, but will not target any companies having any connection to restricted countries or engaging in any of the banned industries (the list of which Company will notify Affiliate from time to time) and will ensure its Unsuccessful Compliance Referrals remain below the Unsuccessful Threshold ;
C) only in connection with Neat Business Products.

3.4 Subject to the restrictions set out in these terms(including the Affiliate Guidelines) and applicable law, the Affiliate shall use all reasonable commercial efforts using the Marketing Materials, to market and promote the Website and the permitted Neat Business Products available on it so as to generate the maximum number of Successful Referrals.

3.5 The Affiliate may use the Company trade mark, trade dress, domain name, logo, and other elements of branding or any content belonging to the Company (“Intellectual Property”) in the manner set out in the Marketing Materials and Marketing Guidelines.

3.6 The Company grants to the Affiliate a limited, non-exclusive, royalty-free, revocable licence (with no right of transfer or sub-licence) to use the Company’s Intellectual Property solely to the extent required to perform the Affiliate’s activities as permitted by these terms,the Marketing Guidelines, Marketing Materials and subject to any additional conditions imposed by the Company. For the avoidance of doubt, nothing in these terms permits the Affiliate to use any trade marks, trade dress, domain name, logo and other elements of branding or content of a third party in some way connected to the Company.

3.7 The Affiliate shall provide the Company with:

A) all co-operation in relation carrying out these terms; and

B) all access to such information as may be required by the Company
as is necessary for the proper performance of the Company’s obligations under these terms, including removing or ceasing any references to Company or the Affiliate Reference at any time on demand by the Company.

3.8 The Affiliate acknowledges and agrees that it has no authority to legally bind the Company in relation to Referred Users, other users or anyone else and that it has not been appointed and is not the agent of the Company for any purpose. The Affiliate agrees that it shall not make to anyone any representation or commitment about the Company, the Website or any of the products or services available to be bought on the Website.

3.9 The Affiliate shall comply with all laws and regulations applicable in the jurisdiction in which the Affiliate or Referred Users or potential Referred Users are located, in connection with the Affiliate’s activities under these terms and its business, including without limitation:

A) applicable data protection laws;
B) applicable advertising and marketing laws (such as the Unsolicited Electronic Messages Ordinance (Cap 593, Laws of Hong Kong) and the FCA Handbook and Financial Services and Markets Act 2000 in the United Kingdom);
C) applicable laws relating to the disclosure of affiliate activities, payment of commissions, sponsored posts and affiliate links.

3.10 The Affiliate shall comply with any third party terms of service used by it in connection with its activities under these terms, including without limitation applicable terms and conditions of the Third Party Platform.

3.11 The Affiliate acknowledges that there are strict requirements and restrictions imposed by applicable law in relation to the marketing of financial and related products and services and undertakes to:

A) at all times comply with the Affiliate Guidelines
B) use the Marketing Materials in the prescribed manner;
C) participate in the Affiliate Training and testing as prescribed by Neat; and
D) comply with any new or additional instructions prescribing the permitted form and manner in which the Affiliate may refer to the Company from time to time.

3.12 In the event of any delays in the Affiliate’s provision of assistance as agreed by the parties, the Company may adjust any dates for performance or delivery provided to the Affiliate as reasonably necessary.

3.13 The Affiliate shall notify the Company of any material change to its business model, business nature or website content within 7 days of such change.

4. Charges and payment

4.1 The Company will provide the Affiliate:

A) the Commission in respect of each Successful Referral in accordance with Schedule A; or
B) for Community Referrals, the Commission will be paid into the Successful Referral’s Neat Multi-currency Wallet.

4.2 Commission is payable:

A) within 7 days of the end of each Quarter, in respect of Successful Referrals in that Quarter; and
B) only once all the conditions of a Successful Referral have been met (as set out in the definition of “Successful Referral” in clause 1); and
C) for Successful Referrals for the Neat Business Services only, only those who have collected any amount into their Neat Multi-currency Wallet within the previous Quarter; and
D) into the Affiliate’s self-named account.

4.3 The Affiliate acknowledges and agrees that:

A) no payments are due to it under these terms otherwise than as expressly set out in these terms;
B) subject to clause 4.3(C), all sums payable under these terms are inclusive of Taxes and if any Taxes are chargeable, it is the responsibility of the Affiliate to ensure that such Taxes are duly paid;
C) the Company shall make all payments under these terms without withholding or deduction of, or in respect of, any Taxes unless required by applicable law. If any such withholding or deduction is required, the Company shall withhold or deduct the required amount and will only be liable to pay to the Affiliate the remaining balance after such withholding or deduction;
D) the Company has a right to hold and claw-back any payments where there has been a breach or it reasonably believes there has been a breach of these, including but not limited to, a breach of clause 3.3, clause 3.10 and clause 3.11.

4.4 The Affiliate shall notify the Company of any change in its contact or address details and remains responsible for duly completing all relevant forms requiring completion by any taxation or other government authority in relation to its activities under these terms.

4.5 The report that the Company sends to the Affiliate under clause 2.1 shall include a statement of the amounts due from the Company to the Affiliate for Successful Referrals in the Quarter to which the report relates. Except in the case of manifest error, the Company shall pay into the self-named account of the Affiliate the amount thereby shown to be due.

4.6 The Company shall ensure that undisputed Commissions are paid to the Neat Multi-currency Wallet or other account nominated by the Affiliate in its Affiliate Sign-Up Form.

4.7 The Affiliate acknowledges and agrees that the Company is not liable and has no responsibility to reimburse or pay any amount to the Affiliate arising out of any error that the Affiliate has made in providing the correct details of the account into which the Commission is to be paid.

4.8 The Affiliate acknowledges that it bears all responsibility for any fixed, currency conversion or other fees that may be charged by receiving or intermediary institutions.

5. Proprietary rights

5.1 The Affiliate acknowledges and agrees that the Company and its licensors own all intellectual property rights in the Website and all the Company’s products and services. Except as expressly stated herein, these terms does not grant the Affiliate any rights to, or in, patents, copyrights, database rights, trade secrets, trade names, trade marks (whether registered or unregistered), or any other rights or licences belonging to the Company. All such rights are reserved to the Company.

6. Confidentiality

6.1 Each party undertakes that it shall not at any time disclose to any person any confidential information concerning the business, affairs, customers, clients or suppliers of the other party or of any member of the group of companies to which the other party belongs, except as permitted by clause 6.2.

6.2 Each party may disclose the other party’s confidential information:

A) to its employees, officers, representatives or advisers who need to know such information for the purposes of exercising the party’s rights or carrying out its obligations under or in connection with these terms. Each party shall ensure that its employees, officers, representatives or advisers to whom it discloses the other party’s confidential information comply with this clause 6; and
B) as may be required by law, a court of competent jurisdiction or any governmental or regulatory authority.

6.3 No party shall use any other party’s confidential information for any purpose other than to exercise its rights and perform its obligations under or in connection with these terms.

6.4 Neither party shall be responsible for any loss, destruction, alteration or disclosure of Confidential Information caused by any third party.

6.5 This clause 6 shall survive termination of these terms, however arising.

7. Data protection

7.1 The Parties shall at all times adhere to the Privacy Policy, as available on the Website.

8. Indemnity

8.1 The Affiliate shall indemnify the Company against all liabilities, costs, expenses, damages and losses (including but not limited to any direct, indirect or consequential losses, loss of profit, loss of reputation and all interest, penalties and legal costs (calculated on a full indemnity basis) and all other reasonable professional costs and expenses) suffered or incurred by the Company arising out of or in connection with the Affiliate’s breach of these terms.

9. Limitation of liability

9.1 This clause 9 sets out the entire financial liability of the Company (including any liability for the acts or omissions of its employees, agents and sub-contractors) to the Affiliate:

A) arising under or in connection with this agreement; and
B) in respect of any representation, misrepresentation (whether innocent or negligent), statement or tortious act or omission (including negligence) arising under or in connection with these terms.

9.2 Except as expressly and specifically provided in these terms, all warranties, representations, conditions and all other terms of any kind whatsoever implied by statute or common law are, to the fullest extent permitted by applicable law, excluded from these terms.

9.3 Nothing in this agreement excludes the liability of the Company:

(A) for death or personal injury caused by the Company’s negligence; or

(B) for fraud or fraudulent misrepresentation.

9.4 Subject to clause 9.3:

A) the Company shall not be liable whether in tort (including for negligence or breach of statutory duty), contract, misrepresentation (whether innocent or negligent), restitution or otherwise for any loss of profits, loss of business, depletion of goodwill and/or similar losses or loss or corruption of data or information, or pure economic loss, or for any special, indirect or consequential loss costs, damages, charges or expenses however arising under these terms; and
B) the Company’s total aggregate liability in contract, tort (including negligence or breach of statutory duty), misrepresentation (whether innocent or negligent), restitution or otherwise, arising in connection with the performance or contemplated performance of these terms shall be limited to the amount paid under these terms by the Company to the Affiliate during the 12 months preceding the date on which the claim arose.

C) without prejudice to clauses 9.4(A) or 9.4(B), the Affiliate acknowledges that the Third Party Platform is owned and operated by a third party unrelated to the Company and the Company has no control over such third party; accordingly, the Company excludes all liability for any failure, error, delay, disruption, technical issue, non-availability or interruption, transmission error, illegal intervention, interception, suspension, delay, loss, mutilation, virus, technologically harmful material, cancellation of service or other failure of, or arising in connection with your use of, the Third Party Platform.

10. Duration and termination

10.1 These terms shall commence on the Effective Date and shall continue until terminated as provided in this clause 10 or clause 3.1.

10.2 The Company may suspend or terminate these terms immediately on notice (including notice by email) at any time:

A) if the Company cancels, terminates, discontinues or withdraws, in whole or in part, its affiliate marketing programme;
B) if the Third Party Platform cancels, terminates, discontinues or withdraws, in whole or in part, its services to the Company or to the Affiliate;
C) if the Affiliate makes any material change to its business model, business nature or website content; or
D) if the Affiliate reaches the Unsuccessful Threshold;
E) if the Affiliate fails to participate in the Affiliate Training and pass any related test, as required by the Company;
F) for any reason for convenience, and any such suspension or termination will be without liability by the Company to the Affiliate.

10.3 Without prejudice to any other rights or remedies to which the the Company may be entitled, the Company may terminate these terms without liability to the Affiliate if:

A) he Affiliate commits a material breach of any term of these terms which breach is irremediable or (if such a breach is remediable) fails to remedy that breach within a period of 30 days after being notified in writing to do so;
B) the Affiliate suspends, or threatens to suspend, payment of its debts or is unable to pay its debts as they fall due or admits inability to pay its debts or (being a company or limited liability partnership) is deemed unable to pay its debts within the meaning of applicable insolvency laws in Hong Kong;
C) a petition is filed, a notice is given, a resolution is passed, or an order is made, for or in connection with the winding up of the Affiliate (being a company);
D) an application is made to court, or an order is made, for the appointment of an administrator, or if a notice of intention to appoint an administrator is given or if an administrator is appointed, over the Affiliate (being a company);
E) the holder of a qualifying floating charge over the assets of that other party (being a company) has become entitled to appoint or has appointed an administrative receiver;
F) a person becomes entitled to appoint a receiver over all or any of the assets of the Affiliate or a receiver is appointed over all or any of the assets of the Affiliate;
G) a creditor or encumbrancer of the other party attaches or takes possession of, or a distress, execution, sequestration or other such process is levied or enforced on or sued against, the whole or any part of the Affiliate’s assets and such attachment or process is not discharged within 14 days;
H) the Affiliate commences negotiations with all or any class of its creditors with a view to rescheduling any of its debts, or makes a proposal for or enters into any compromise or arrangement with any of its creditors;
I) the Affiliates uspends or ceases, or threatens to suspend or cease, carrying on all or a substantial part of its business;
J) the Affiliate fails to comply with the Company’s compliance requirements; or
K) there is a change of control of the Affiliate.

10.4 The Affiliate acknowledges and agrees that a breach of its obligations under clause 3.9, clause 3.10 or clause 3.11 is a material breach.

10.5 The Affiliate may terminate these terms by providing 30 days written notice to the Company.

11. Consequences of termination

11.1 On termination of this agreement for any reason:

A) all licences and benefits granted under this agreement shall immediately terminate;
B) each party shall return and make no further use of any Confidential Information, equipment, property, materials and other items (and all copies of them) belonging to the other party; and
C) the accrued rights of the parties as at termination, or the continuation after termination of any provision expressly stated to survive or implicitly surviving termination, shall not be affected or prejudiced.

12. Force majeure

12.1 Neither party shall be in breach of these terms nor liable for delay in performing, or failure to perform, any of its obligations under these terms if such delay or failure result from events, circumstances or causes beyond its reasonable control. In such circumstances the affected party shall be entitled to a reasonable extension of the time for performing such obligations. If the period of delay or non-performance continues for six months, the party not affected may terminate these terms by giving 30 days’ written notice to the affected party.

13. Waiver

13.1 No failure or delay by a party to exercise any right or remedy provided under these terms or by law shall constitute a waiver of that or any other right or remedy, nor shall it prevent or restrict the further exercise of that or any other right or remedy. No single or partial exercise of such right or remedy shall prevent or restrict the further exercise of that or any other right or remedy.

14. Rights and remedies

14.1 The rights and remedies provided under these terms are in addition to, and not exclusive of, any rights or remedies provided by law.

15. Severance

15.1 If any provision or part-provision of these terms is or becomes invalid, illegal or unenforceable, it shall be deemed modified to the minimum extent necessary to make it valid, legal and enforceable. If such modification is not possible, the relevant provision or part-provision shall be deemed deleted. Any modification to or deletion of a provision or part-provision under this clause shall not affect the validity and enforceability of the rest of these terms.

15.2 If any provision or part-provision of these terms is invalid, illegal or unenforceable, the parties shall negotiate in good faith to amend such provision so that, as amended, it is legal, valid and enforceable, and, to the greatest extent possible, achieves the intended commercial result of the original provision.

16. Entire agreement

16.1 These terms constitute the entire agreement between the parties and supersedes and extinguishes all previous agreements, promises, assurances, warranties, representations and understandings between them, whether written or oral, relating to its subject matter.

17. Assignment and other dealings

17.1 The Affiliate shall not assign, transfer, mortgage, charge, subcontract, declare a trust over or deal in any other manner with any or all of its rights or obligations under these terms without the prior written consent of the Company.

17.2 The Company may at any time assign, transfer, mortgage, charge, subcontract, delegate, declare a trust over or deal in any other manner with any or all of its rights and obligations under these terms.

18. No partnership or agency

18.1 Nothing in these terms is intended to, or shall be deemed to, establish any partnership or joint venture between any of the parties, constitute any party the agent of another party, nor authorize any party to make or enter into any commitments for or on behalf of any other party.

19. Variation

19.1 These terms may be amended unilaterally by us, by providing you with 30 day’s notice. These changes will be deemed to have been accepted by you where you do not, before the proposed date of the entry into force of the changes, notify us to the contrary. If you do notify us to the contrary, your notification will be deemed to be a notice that you wish to terminate your status as an affiliate of Neat’s affiliate network and these terms as of the date upon which the changes are to take effect.

20. Third party rights

20.1 A person who is not a party to these terms shall not have any rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623, Laws of Hong Kong) to enforce any term of these terms.

21. Notices

21.1 Any notice given to a party under or in connection with these terms shall be in writing and shall be sent by email to the following email addresses:
COMPANY: [email protected]
AFFILIATE: the primary email address listed on the Affiliate Sign-Up Form (or as updated from time to time by Affiliate in its affiliate account on the Third Party Platform).

21.2 Any notice shall be deemed to have been received at the time of transmission, or, if this time falls outside business hours in the place of receipt, when business hours resume. In this clause, business hours means 9.00am to 5.00pm Monday to Friday on a day that is not a public holiday in the place of receipt.

22. Governing law

22.1 These terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with it or its subject matter or formation shall be governed by, and construed in accordance with, the laws of Hong Kong.

23. Jurisdiction

23.1 Each party irrevocably agrees that the courts of Hong Kong shall have exclusive jurisdiction to settle any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with these terms or its subject matter or formation.

24. Conflict

24.1 These terms have been translated into Chinese or any other non-English language. If there is any inconsistency or ambiguity between the English version and the ther language version, the English version shall prev

SCHEDULE A: NEAT BUSINESS PRODUCTS SPECIFIC TERMS

PART A – Neat Business Product Successful Referral Terms

Hong Kong

A Successful Referral for a:

A). Hong Kong Neat Account, holds a valid Neat Account and the Referred User has received first payment of US$650 or more (or the equivalent in another currency) into their Neat Multi-currency Wallet within 90 days of their Nest Account being activated; or
B). Hong Kong Neat Incorporation Package, has been approved by Neat’s compliance department and has paid the required fee to use the Neat Incorporation Package.

United Kingdom 

A Successful Referral for a:

C). UK Neat Business Account, holds an opened and valid Neat Business Account and into which the Referred User has made its first payment of GBP 500 or more (or the equivalent in another currency) into that Neat Business Account within 90 of such account being opened; or
D). UK Neat Incorporation Package, has been approved by Neat’s compliance department and has paid the required fee to use the Neat Incorporation Package.

PART B – Successful Referral Commission

Commission per Successful Referral:

Neat Account Neat Incorporation Package
USD130 (or or its equivalent in other foreign currencies) USD200 (or or its equivalent in other foreign currencies)

PART C – Affiliate Training 

The Affiliate must complete: E). Affiliate Training every six months, or as otherwise determined by the Company; and F). Affiliate Training testing, as and when required by the Company.

PART D – Unsuccessful Threshold 

The Affiliate’s Unsuccessful Compliance Referrals must remain below 30% of all of its Referred Users (“Unsuccessful Threshold”).

 

SCHEDULE B: MARKETING GUIDELINES

This Schedule A sets out a non-exhaustive list of “do’s” and “don’ts” that the Affiliate must abide by in performing any activities relating to these terms.

Do’s

1. The Affiliate, and all its relevant staff, must complete the Affiliate Training and related tests, as prescribed by the Company.

2. The Affiliate is permitted to promote the Affiliate Referencevia email, on their social media, website, platform and application.

3. The Affiliate is permitted to link its own content (e.g. blog post), which includes the Affiliate Web Link, through paid advertising campaigns.

4. The Affiliate must comply with clause 3.5 and only use the Marketing Material as prescribed and in accordance with these Marketing Guidelines.

5. The Affiliate should clearly indicate in any communication with the recommended users that the company is a fintech solution platform located in Hong Kong.

6. Comply with all relevant laws and regulations, including but not limited to advertising laws and guidelines.

7. The Affiliate should clearly indicate in any communication with the recommended users that the company is not a bank and fintech solution platform located in Hong Kong and the United Kingdom.

8. The Affiliate should remind the recommended users that the Referred User’s themselves are obliged to ensure that they comply with applicable foreign exchange, overseas investment and other applicable laws. The Company does not assume any responsibility for the user’s own violations of foreign exchange, overseas investment and other applicable laws.

9. You may include the contact details of the Neat HK Customer Support team:

a. email at [email protected]: or
b. phone at +852 30016328.

If you include these support details, you must include a note that it relates to a Hong Kong service (see note 5 above).

Don’ts 

10. The Affiliate is not permitted to directly use the Affiliate Reference in any “pay per click”, automated lead generation services or other paid advertising campaigns (e.g. Google AdWords). The Affiliate is permitted to link its own content (e.g. blog post), which includes the Affiliate Reference, through paid advertising campaigns.

11. The Affiliate must ensure that any content that it links or otherwise associates with the Company:

– does not infringe any patent, trademark, copyright or other proprietary rights that belong to another person and to which the Affiliate does not have any right to use;
– is not harmful, harassing, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another’s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering/ terrorist financing or gambling, or otherwise unlawful in any manner whatever;
– is not deceptive, misleading, unlawful or fraudulent.

12. The Affiliate must ensure that it does not misrepresent the relationship between the Company and the Affiliate (including representing that it is an agent of the Company or can act on behalf of the Company).

13. The Affiliate is not permitted to recruit other affiliates to publish the Affiliate Reference or run any multi-level marketing campaigns.

14. The Affiliate must not make any statements or representations or otherwise hold the Company out as carrying on any banking business in any jurisdiction. “Banking business” should be construed broadly and includes receiving money from the general public on current, deposit, savings, or other similar accounts payable on demand. For example, in any communications or statement you make in your affiliate activities:– do not refer to Neat as a bank;

– do not refer to the services provided by Neat as bank accounts, current accounts, deposit accounts, savings accounts, virtual bank accounts, virtual current accounts, virtual deposit accounts, virtual savings accounts, or any other phrasing that is generally understood to refer to a kind of bank account;
 you may refer to the services offered by Neat as “alternative to a corporate bank account”, “multi-currency wallet”, “dedicated payment instructions”, but avoid any phrases or other indications which might suggest that Neat’s virtual accounts are bank accounts. All affiliates receive an information kit with boiler plates and descriptions to describe Neat’s services.

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