Terms and Conditions for Hang Seng "Verified by Visa Service" These Terms and Conditions ("Terms") explain your responsibilities and obligations relating to your use of the "Verified by Visa Service" of Hang Seng Bank Limited ("Service"). By registering for and/or using the Service you acknowledge that you have read and understood these Terms and you agree to be bound by them.     1. Definitions       In these Terms references to:   "card" means any Visa credit card issued by us that are associated with your Password for the Service ;   "including" means including, without limitation to the generality of the surrounding words;   "our", "ours", "us" and "we" refer to Hang Seng Bank Limited; and   "you", "your" and "yours" refer to you, our customer.     2. Applicable terms       When you use the Service, you must comply with these Terms and other applicable terms, including the terms governing the use of your cards and the terms of our website from which you access the Service which include the Important Message to Readers and Internet Privacy Policy Statement. If these Terms contradict other applicable terms, these Terms will (in relation to your use of the Service) override those other terms to the extent that there is a contradiction. 3. Changing these Terms, the Service, and fees       We reserve the right to change these Terms and fees relating to the Service, if any, at any time, and you agree to be bound by all changes we make. We will give you at least 60 days notice of these changes. Notice of any changes to these Terms may be made by posting a notice on our website, advertisement or such other means as we, acting reasonably, may determine. You can access the current version of these Terms on our website.     4. Your Password and PAM [Your Security Duties]       When you register for the Service, you will need to designate a password ("Password") and a personal assurance message ("PAM"). We use your Password to identify you. Clause 10 sets out your liabilities for everything that is done with your Password. You should use your PAM to identify us. You must keep your Password and your PAM secret and secure at all times and take steps to prevent unauthorised use of your Password and your PAM. You agree to follow the guidance and any security recommendation or procedures provided by us online. Your failure to do so will constitute a breach of these Terms and will be deemed as negligence on your part. 5. Registration       You can register for the Service by logging on to www.hangseng.com/e-Banking and follow our online registration procedures. By registering for the Service, you are authorising us to use and retain certain information about you and your cards. Your registration for the Service is subject to our approval. Your failure to register for the Service may result in your inability to use your cards for online and other transactions which require authentication by the Service. 6. Your information       You must provide information that we reasonably request to enable us to provide the Service. If you do not provide the information we request, we may not be able to provide the Service to you. You must ensure that information you provide to us in relation to the Service is true, complete and up-to-date at all times. Your registration data, your other personal information including your use of the Service may be used for record keeping and reporting purposes, as well as to help resolve transaction disputes. Your registration data and other personal information relating to the Service, however, will not be transferred by us to the merchants. 7. Authentication       By registering for the Service, you authorise us and the use of the Service to authenticate your identity, your cards and/or the use of your cards to make payment for the transactions concerned. When engaging in an online transaction or other transactions for which the Service is used, you may be required to enter your Password before the merchant accepts your cards in payment for the transactions. If you are unable to provide your Password or if the authentication through the Service fails, the merchant may not accept your cards in payment for the transactions concerned. We cannot be held liable for any merchant's refusal to accept your cards for the said payment, whatever the reasons shall be. 8. Accuracy of information       If there is any inconsistency between our internal records, and information relating to your cards and their related card accounts or your use of the Service, our internal records will prevail in the absence of evidence to the contrary.     9. Exclusion of warranties and limitation of our liability       Subject to Clause 10, and to the maximum extent permitted by applicable law: we give no warranties or conditions (whether express, implied, statutory or otherwise) in relation to the Service, and exclude all implied warranties and conditions including any warranties and conditions of merchantability, fitness for a particular purpose, good title and non-infringement; in no event will we be liable to you for any incidental, consequential, indirect damages (including loss of profits and business interruption), or special or exemplary damages; due to the nature of the Service, we will not be responsible for any loss of or damage to your data, software and computer, telecommunications or other equipment caused by you using the Service unless such loss or damage is directly and solely caused by our negligence or deliberate default; and we cannot be held liable to you or any third party for any modification, enhancement, suspension or discontinuance of the Service, whether within or outside our control. 10. Your liability for unauthorised transactions       If you have acted negligently or fraudulently, you are liable for all claims, losses and consequences arising from or in connection with your use of the Service. If you let any other person use your Password or has knowledge of your PAM, you are liable for all claims, losses and consequences arising from or in connection with all transactions made using the Service by or with the consent of that person. If you have contributed to an unauthorised transaction, you may be liable for some or all of the losses resulting from the unauthorised transaction. Ways you can contribute to an unauthorised transaction include selecting an unsuitable Password such as your Hong Kong Identity Card Number or passport number, birthday, telephone number or other easily accessible personal information, keeping a written record of your Password and your PAM, disclosing your Password or PAM to any other person, failing to take reasonable steps to prevent disclosure of your Password or PAM to any other person, failing to take reasonable steps to observe any of your security duties referred to in these Terms and unreasonable delay in notifying us of an actual or possible disclosure to any other person of your Password or PAM. If you have as soon as reasonably practicable reported an actual or possible disclosure of your Password or PAM to us, you are not liable for loss occurring after you have notified us unless you have acted fraudulently or negligently. You are not liable under these Terms for loss caused by: fraudulent or negligent conduct by our employees or agents, or parties involved in the provision of the Service; faults that occur in our systems, including the systems used to provide the Service, unless the faults are obvious or advised by a notice or message; unauthorised transactions occurring before you have established a Password or PAM; any other transactions where it is clear that you could not have contributed to the loss. Except to the extent that Clauses 10(a) to (e) limit your liability in specific circumstances, you are liable to us and indemnify us for all claims, losses and consequences arising from or in connection with your use of the Service, use of the Service by any person using your Password or PAM, and losses and consequences otherwise caused or contributed to by you. 11. Suspension and Termination       We reserve the right to at any time suspend the Service without notice where we consider necessary or advisable to do so, for example, to protect you when there is a suspected breach of security, or when we have reasonable grounds to suspect that your registration data is untrue, inaccurate, not current or incomplete or we need to suspend the Service for maintenance or other reasons. We may, without giving you notice or reason terminate the Service or its use by you. You can request termination of your use of the Service at any time by calling our Credit Card Customer Service Hotline appearing on our website. Your termination will be effective when we de-register you from the Service. 12. General       Communications: Communications from us are deemed to have been received by you (where delivered personally) at the time of personal delivery or on leaving it at the address last notified by you to us, (where sent by post) 48 hours after posting if the address is in the Hong Kong Special Administrative Region and seven days after posting if the address is outside the Hong Kong Special Administrative Region or (where sent by facsimile transmission, telex or email) immediately after transmitting to the facsimile or telex number or email address last notified in writing by you to us. Communications sent by you to us are deemed to be delivered to us on the day of actual receipt. Severability: If any part of these Terms is held by any court or administrative body of competent jurisdiction to be illegal, void or unenforceable, such determination will not impair the enforceability of the remaining parts of these Terms. Waiver: A waiver by us of any provision of these Terms will not be effective unless given in writing, and then it will be effective only to the extent that it is expressly stated to be given. A failure, delay or indulgence by us in exercising any power or right will not operate as a waiver of that power or right. A single exercise or partial exercise of any power or right by us does not preclude further exercises of that power or right or the exercise of any other power or right. Our rights and remedies under these Terms are cumulative and do not exclude other rights and remedies provided by law. Governing Law and Jurisdiction: The Service and these Terms are governed by and must be construed in accordance with the laws of the Hong Kong Special Administrative Region. The parties submit to the non-exclusive jurisdiction of the Courts of the Hong Kong Special Administrative Region. These Terms may be enforced in the Courts of any competent jurisdiction. 13. Governing Version       The English version of these terms shall prevail if there is a difference between the English version and the Chinese version.