PhoneDirect Service General Terms And Conditions (English version)

电话理财服务一般条款

1．  总则

客户/授权代表必须遵守与电话理财服务有关的服务条款，一旦此等具体及/或一般服务条款同本条款不符，以后者为准。

 

2．  有关定义

除非文义上另有所指，否则凡本条款提及：

“帐户”指可户开立的各储蓄帐户，来往帐户，定期存款帐户，结算帐户及任何其他帐户。

“授权代表”指获得客户（通常是本行公司客户）的授权可以通过电话操作帐户的人士。

“本行”指汇丰银行（中国）有限公司。包括其承继人及受让人。

“受款帐户”指用以收取透过电话理财服务所存入的款项的可户指定帐户。

“客户”指持有本行帐户的人士，如此等人士超过一位，则客户一词将按照文意所指，视为其中的任何一位，全部或每位人士。

“私人密码”指本行为方便客户/授权代表在向本行发出电话指示时识别身份而设定的私人密码，包括本行给予客户/授权代表的任何密码及客户其后更改的任何号码。

“电话指示”指客户/授权代表以电话发出的指示。

 

3．  服务范围

本行将不时订定电话理财服务的范围及细节，并可随时及不时更改或增减有关服务而毋须事先通知。如本行认为有必要发出通知，通知形式将由本行全权决定，形式包括但不限于直接邮递、广告或于分行内张贴通告。

 

4．  责任和赔偿限制

本行获授权按客户/授权代表的电话指示提供服务。 为此，每位客户/授权代表同意：

 

（a）     本行获授权按本行相信乃由客户/授权代表使用私人密码发出的电话指示而办事，对于本行凭诚信而按未授权人士的电话指示办事，本行毋须负任何责任。此外，对于报称以客户/授权代表名义而发出电话指示的人士的身份，本行亦无责任进行核实；

（b）    客户/授权代表无论何时均应负责私人密码严格保密，如遗失私人密码或知道私人密码已落入未经授权人士之手，应立即通知本行。

（c）     客户应确保帐户内已有足够款项或预先安排的信用贷款以执行电话指示，如因款项及/或信用贷款不足以致无法执行该电话指示，本行对于因此而引起的一切后果，概不负责。 如款项/信用贷款不足但本行仍决定执行该电话指示者，本行可在事先未经客户批准或未通知客户的情况下，依然按该电话指示办事，客户得负责由此引起的透支，垫支或信贷。

（d）    客户/授权代表应确保受款帐户信息正确，如因付款细节不正确以致无法执行该电话提示，本行对于因此而引起的一切后果，概不负责；

（e）     凡本行根据电话知识而作出的任何汇率或利率报价，均属参考性质，除非本行确认该报价乃作为交易用途，否则本行毋须按该报价交易。如使用电话理财服务的客户/授权代表接纳该确认汇率或利率，则须按该报价交易；尽管本行可能在同一时间透过其它途径作出不同的汇率或利率报价，客户/授权代表亦不能要求其他报价交易；

（f）      对于无论全部或部分由于本行无法控制的情况，包括仪器失灵或故障而导致本行不能执行电话指示，本行概不对客户/授权代表负责。无论在任情况下，客户/授权代表因本行执行或未有执行电话指示而引致或与此有关的任何非直接或直接损失，本行概不负责；

（g）     除因本行蓄意违约外，客户/授权代表须共同及个别负责赔偿本行随时可能面对、遭遇或引起的一切法律行动、诉讼、索偿、损失、损毁，费用及开支或因此而蒙受的损失，无论此等行为是直接或间接由于或关乎本行接纳电话指示或执行或未有执行该等指示。此等责任在帐户终止后仍然生效；及

（h）     客户/授权代表明白及承认电话指示可能因系统的限制或本行运作程序的影响而未必能够实时或即日处理。客户/授权代表同意本行毋须因于较后时间才执行有关的电话指示而向客户/授权代表或其他人士负上任何责任。本行可自行决定执行上述电话指示的时间，而该等决定将为最终决定并对客户/授权代表具有约束力

 

5．  收费

如本行认为有必要，本行将保留酌情不时收取服务费或其他费用的权利。

 

6        管辖法律

本条款受中华任命共和国法律的约束，并据此诠释

 

注意：中英文如有歧义，须以中文为准

 

PhoneDirect Service General Terms And Conditions

1.      General
Customers/Authorised Delegates shall be bound by the Terms and Conditions governing the types of accounts in connection with PhoneDirect Service and in case of conflict between the said Specific and/or General Terms and Conditions and these Terms and Conditions, the latter shall prevail.

2.      Definitions:
In these Terms and Conditions, unless the context otherwise requires:
“Acoount”means each of the Savings Account, Current Account, Time Deposit Account, Settlement Account and any other accounts opened or to be opened by the Customer.
“Authorised Delegate” means the person who is authorized bu the Customer, usually a company, to operate the Accounts through the telephone.
“Bank” means HSBC Bank (China) Company Limited, including its successors and assigns.
“Credit Account” means any account of the Customer for the time being designated for the purpose of receiving deposit of funds in relation to the PhoneDirect Service.
“Customer” means the person who is the holder of an account maintained with Bank.
Where there is more than one such person, references to the “Customer” shall be construed, as the context requires, to any , all or each of them.
“PIN” means the personal identification number for the time being established for the Customers/Authorised Delegate for the purpose of identification of the Customers/Authorised Delegate in giving instructions to the Bank by telephone ,including any code number assigned to the Customers/Authorised Delegate by the Bank and any number(s) substituted by the Customers/Authorised Delegate for that purpose.
“Telephone Instruction” means each and any instruction given by the Customers/Authorised Delegate by telephone that may be acceptable to the Bank from time to time.

3.      Service Scope
The Bank will from  time to time determine or specify the scope and features of the PhoneDirect  Service and to modify, expand or reduce the same at any time and from time to time with or without notice. Where such notice shall, in the sole discretion of the Bank, be given, such notice may be made in such manner and by such means of communication as the Bank shall deem fit, including, without limitation, the use of direct mailing material, advertisement or branch display.

4.      Limitations on Liability Indemnity
The Bank is authorized to act on the Telephone Instructions of the Customers/Authorised Delegate  Each of the Customers/Authorised Delegate agree that:
(a)    the Bank is authorized to act on any Telephone Instructions which the Bank at its sole discretion believes emanate from the Customers/Authorised Delegate by the use of the PIN and the Bank shall not be liable for acting in good faith from Telephone Instructions which emanate from unauthorized individuals and shall not be under any duty to verify the identity of the person(s) giving Telephone Instructions purportedly in the name of the Customers/Authorised Delegates
(b)   the Customers/Authorised Delegate shall undertake to keep the PIN strictly confidential at all times and shall report to the Bank immediately upon loss of the PIN or becoming aware the  PIN has fallen into the hands of any unauthorized party;
(c)    the Customer shall ensure that there are sufficient funds or pre-arranged credit facilities in the Account(s)for the purpose of the Telephone Instructions and the Bank shall not be liable for any consequence arising out of the Bank’s failure to carry out such Telephone Instructions due to inadequacy of funds and/or credit facilities provided always that, if the Bank shall at its sole discretion decided to carry out the Telephone Instructions notwithstanding such inadequacy, the Bank may do so without seeking prior approval from or notice to the Customers AND THE Customer shall be responsible for the resulting over draft, advance or credit thereby created;
(d)   the Customers/Authorised Delegate shall ensure the correctness of the Credit Account information and the Bank shall not be liable for any conqsequence arising out of the Bank’s failure to carry out such Telephone Instructions dut to incorrectness of payment details:
(e)    any exchange rate or interest rate quoted by the Bank in response to a Telephone Instruction is for reference only and shall not be binding on the Bank unless confirmed by the Bank for the purpose of a transaction and such confirmed exchange rate or interest rate, if accepted by the Customers/Authorised Delegate through the PhoneDirect Service, shall be absolutely binding on the Customers/Authorised Delegate notwithstanding that a different exchange rate or interest rate might have been quoted by the Bank at the relevant time through other means of communication;
(f)     the Bank shall not be liable to the Customers/Authorised Delegate for any failure to carry out any Telephone Instruction which is attributable, wholly or in part, to any cause beyond the Bank’s control including any equipment malfunction or failure and under no circumstances shall the Bank be responsible to the Customers/Authorised Delegate for any indirect or consequential losses arising out of or in connection with the carrying out or otherwise of any Telephone Instructions;
(g)    the Customers/Authorised Delegate shall jointly and severally keep the Bank indemnified at all times against, and to save the Bank harmless from, all actions, proceedings, claims, losses, damages, costs and expenses which may be brought against the Bank or suffered or incurred by the Bank and which shall have arisen either directly or indirectly out of or in connection with Bank accepting Telephone Instructions and acting or failing to act thereon unless due to the willful default of the Bank, such indemnity shall  continue notwithstanding the termination of the Account; and
(h)    the Customers/Authorised Delegate understands and acknowledges that Telephone Instructions may not necessarily be processed by the Bank immediately or on the same day of the giving of such Telephone Instructions due to system constraint or the banking procedures of the Bank,. The Customers/Authorised Delegate agrees that the Bank shall not be held responsible to the Customers/Authorised Delegate  or any other person for effecting such Telephone Instructions at a later time and the Bank’s decision as to when effect the said Telephone Instructions shall be final and binding on the Customers/Authorised Delegates

5.      Fees
The Bank reserves the right to impose service fees and/or other charges from time as the Bank in its aboulute discretion thinks fit.

6.      Governing Law
These Terms and Conditions shall be governed by and construed in accordance with laws of the People’s Republic of China
Note: In case of discrepancies between the English and Chinese versions, the Chinese version shall apply and prevail

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