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You should not rely on this article as legal advice or as recommendations regarding what you should actually do, because we cannot know in advance what are the specific terms you wish to establish between your business and your customers and visitors.
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The Company will provide small amount remittance services to foreign migrant workers based on these Service Terms and Conditions.
Before using the Services, please carefully read these terms and conditions. If a User creates an account and agrees to these Service Terms and Conditions, the Company will assume that the User has accepted these terms and conditions. The Company may revise the terms and conditions at any time, provided that any such revision shall be published on the website and in the App 30 days before it takes effect. The User has the right to raise an objection to the revised provision.
If the User wishes to terminate the agreement before the effective date, the User may give notice to the Company.
If the User does not agree or accept any provision of these terms and conditions, the User may give written notice (including through the App or email)
to the customer service center of the Company at any time, advising the Company of his/her intention to terminate the agreement.
2.1 A User must be successfully registered in the App in person in order to become a member of the Company and to use the Services.
The User must first provide a valid mobile phone number; the Company will verify the number via a short message. After successful verification, the User should upload information related to his/her Alien Resident Certificate of the Republic of China (hereinafter the "ARC") and follow the instructions of the App to provide personal data in order for the Company to verify the genuineness of the User's identity. If the information provided is incorrect or incomplete and if the User fails to correct the information after receiving notice, the Company has the right to reject the registration. If the User's registration is rejected due to insufficient information, the Company will delete any personal data submitted by the User without storage, record or backup.
2.2 According to the regulations, the User must keep his/her legal residency right in the Republic of China (Taiwan). If the User loses legal residency right, the Company has the right to refuse the provision of App services to the User.
If the User does not meet the following conditions, the Company has the right to refuse registration by the User:
The User is a worker defined under subparagraphs 8 to 11, paragraph 1, Article 46 of the Employment Service Act.
The User has legal residency status in Taiwan.
If the User renews or updates his/her personal ARC, the latest photograph must be uploaded to the App and notice shall be given to the Company. The Company will also give the User an automatic reminder through the App to update the ARC 30 days before the ARC expires.
If the User does not meet the following conditions, the Company has the right to refuse registration by the User:
- The User is a worker defined under subparagraphs 8 to 11, paragraph 1, Article 46 of the Employment Service Act.
- The User has legal residency status in Taiwan.
If the User renews or updates his/her personal ARC, the latest photograph must be uploaded to the App and notice shall be given to the Company. The Company will also give the User an automatic reminder through the App to update the ARC 30 days before the ARC expires.
2.3 The User has the obligation to duly keep the account from third-party use. The User shall not loan or assign the account to any third party. If the User discovers that his/her account has been used by a third party, the User shall give immediate notice to the Company and seek suspension of account trading. Upon receipt of a notice about fraudulent activity or unauthorized use of an account, the Company will also suspend the use of the account following verification.
The Company will carry out identity verification of registered Users regularly. If a User cannot be reached by telephone, message, email or other forms of contact, the Company will temporarily suspend the User's account. The account will only be re-activated after this procedure is completed.
Depending on the Services provided, the Company will ask the User to complete required forms (such as account application, refund request, bonus conversion request, other marketing event or as required by the Services) with basic information. According to the principle of minimal utilization under the Personal Data Protection Act, the Company will only seek information required for specific services from the User.
The validity term of this agreement starts from the date on which the User joins the Services in the status of a member until the expiry date of the Company's business license. If the Company's extension is approved by the competent authority, the term of this agreement will also be extended to the latest expiry date of the business license.
During the validity term of this agreement, the Company shall continue to use the User's personal data until the User asks the Company to stop such use or when the Company ceases provision of the Services, or until the expiry of the retention period for the records in accordance with applicable laws and regulations, as required for the performance of its business (whichever is the longest).
The User shall comply with the laws of the Republic of China and any applicable state law involved in the course of use. The User guarantees not to use the Services to engage in any act that infringes upon another person's interest or breaches the law, such as money laundering, terrorism financing, spreading viruses, data theft, internet fraud or instigation of criminal offense by others, etc.
If any information or personal data provided by the User is not up-to-date, correct, complete or generates unprecise or incomplete information, the Company has the right to refuse relevant liability or business. The User shall solely bear relevant losses if such event causes any loss or damage to personal interests.
The exchange rate provided by this service is only for reference. The exchange rate of the actual remittance shall be based on the exchange rate of the local bank of Taiwan and the exchange rate provided by the local partner institution.
7.1 The Company shall only collect, process, use and internationally transmit personal data of the User or recipients and the details of dealings with financial institutions within the scope of the purpose of the Services, except if otherwise provided by applicable laws. Within the scope of such specific purpose, the User agrees that the Company may provide the User's or recipients' personal data and details of dealings with the Company to financial institutions, outsourced institutions, recipients of internationally transmitted personal data not restricted by the central competent authority of the industry, institutions with investigation authority in accordance with the law or financial supervisory institution.
7.2 The Company has the right to conduct investigation into transactions deemed illegal or suspicious in accordance with domestic and foreign legislation about money laundering prevention and crackdown on terrorism financing. The Company has the right to provide additional documents to support and clarify remittances. Upon discovery of any suspicious remittance, the Company will forward the investigation results to authorities such as the Bureau of Investigation, Ministry of Justice of the Republic of China or file reports and handle the matter in accordance with the instructions of law enforcement authorities.
8.1 If the User no longer uses the Company's App, the User may give email or written notice to the Company. Such application shall only take effect after all transactions are completed.
8.2 In the case of any of the following events, the Company may terminate this Agreement and all Services at any time, reject or suspend the provision of Services:
- The competent authority cancels or revokes approval for small amount remittance service for foreign migrant workers
- he Company decides to terminate the provision of the Services based on risk assessment.
- The User fails to update ARC information before expiry of the validity period of the ARC.
- The User is a migrant worker whose whereabouts are unknown following the Company's verification.
8.3 In the case of any of the following events, the Company may terminate this agreement and all Services at any time, reject or suspend the provision of the Services or adopt other actions deemed necessary by the Company to comply with the Company's obligations of money laundering prevention, crackdown on terrorism financing and compliance with applicable legislation:
- The User is subject to economic sanctions, is a terrorist or terrorist group determined or pursued by a foreign government or international money laundering prevention organization or is subject to money laundering or terrorism financing investigation.
- The User's account is reported by the police/prosecution or judicial authority as an alert account.
- The User fails to timely provide information about the User or his/her related party in accordance with the Company's reasonable request, including failure to provide explanation about the nature and purpose of the transaction or the source of funds for review in accordance with the law.
- The Company has a reasonable doubt about money laundering, terrorism financing or other relevant risks with the User or his/her transactions.
The copyright, patent, trademark, trade secret and other intellectual property rights to the functions, services and relevant works and data in the Company's App, including but not limited to text, graphic files, videos, etc. are owned by the Company.
The User agrees and recognizes that neither his/her use of the Services with the Company's consent nor any provision of these Terms and Conditions constitute the assignment or license of the intellectual property rights, or other rights or interest in relation to or included in the Services.
In the case of any of the following events, the Company has the right to suspend or refuse the User's use of the Services in whole or in part without prior notice to the User and the User shall not make any claim or demand:
- The User cancels a remittance transaction already completed without justification.
- The User provides incorrect identity verification information.
- The User or the recipient of funds is determined by the Company to have been involved in breach of money laundering, terrorism financing or relevant financial legislations such as money laundering blacklist or suspected money laundering blacklist.
In case of delayed provision or unavailability of the Services due to natural disaster, war, terrorist activity or other events of force majeure, or pursuant to the sanction, order or measure by a competent authority, prosecution authority or court, the Company shall not be liable for any damage suffered by the User.
11.1 The User agrees that the Company will collect, process and use personal data of the User and the recipients of funds in order to complete remittance procedures. If the User wishes to revoke the above consent, he/she shall also terminate use of the Services and shall give written notice to the Company to stop collection, processing and use of the User's personal data.
11.2 The User agrees that, if a business partner of the Company needs to provide the government of the Republic of China or any foreign authority with jurisdiction or law enforcement authority in order to acquire authorization or in accordance with the law, the User's personal data may be provided to such authority.
These Service Terms and Conditions are written in Chinese and shall be interpreted and performed in accordance with the laws of the Republic of China. The User agrees that any dispute with the Company arising out of the user of the Services shall be governed by the Taiwan Taipei District Court.
