用户服务协议
感谢您选择DcWallet作为您的服务提供商。根据本协议，DcWallet将向您提供以下服务：
（1）收款服务：接收付款方的付款并转账支付给您；
（2）货币兑换服务：将一种货币兑换成另一种货币；
（3）支付服务：向指定收款方付款。
您开通DcWallet账户，或以其他方式使用我们的服务，即视为您同意本协议条款，并按本协议接受及使用我们的服务。
除了本协议使用条款外，以下附加文件也适用于您使用支付平台和服务，并应与这些使用条款一起阅读：
本协议语言为英语，我们为了方便您理解，会提供其他语言的翻译版。如翻译版与英文版有不一致的，应以英语版本为准。
只有DcWallet有权不时修订服务协议。我们将会在vip.dcwallet.com或vip.dcwallet.com公布我们的最新修订版本。如果有重大修订，我们会在修订生效前通过邮件或您的DcWallet账户通知您。我们一经向您的DcWallet账户或该账户绑定的邮箱发送该通知，即视为您收悉该通知。如您不同意该修订，则应在规定的时间内停止使用服务。如您持续使用服务，则应视为接受新修订协议。但是如果在修订前有争议发生的，则应按争议发生时所适用的协议版本进行解释。此外，双方可以通过签署书面的补充协议修订本协议，该补充协议应由双方授权代表签署生效。
本协议部分条款普遍适用于我们所有服务（“通用条款”），而部分条款仅针对某一?服务（“专用条款”）。通用条款见附件A，针对收款服务、货币兑换服务、和支付服务的专用条款分别见附件B， C，和D。所有附件均构成本服务协议的一部分。
根据您使用的服务，我们会有不同的公司主体（“协议主体”）提供具体的服务，所有协议主体均属于我们的集团。您开通DcWallet账户，或使用我们的服务，即代表您和相应的协议主体达成了协议，包括通用条款和相应的专用条款。如果您注册或使用了多项服务，则您就每一项服务与我们缔结了协议。举例：如果您注册或使用了收款服务和货币兑换服务，则您与我们集团提供收款服务的协议主体就该项服务缔结了一份协议，同时与提供货币兑换服务的协议主体就货币兑换服务缔结了一份协议。
下表列示了各项服务对应的协议主体及所适用的协议条款。
|
服务内容 |
协议主体 |
适用协议条款 |
|
收款服务 |
附件A和 附件B |
|
|
货币兑换服务 |
SMARTDOUDOU INC. |
附件A和附件C |
|
支付服务 |
SMARTDOUDOU INC. |
附件A和附件C |
附件A 通用条款
以下条款属于通用条款，适用于所有服务。通用条款与专用条款共同成为针对该服务的服务协议（“服务协议”）。“DcWallet”, “我们” 均指代具体向您提供服务的协议主体。在服务协议中定义的专用语是服务协议的一部分。
A-1. DcWallet 账户
A-1.1 关于您的DcWallet账户
为了使用我们的服务，您需要先在我们的专用系统上注册一个网络用户账号（“DcWallet 账户”）。通过您的DcWallet账户，您可以享有我们的服务和信息,如关于入账，支出，余额，费用，以及资金结算至您的收益账户（定义见下文）等信息。
A-1.2. 合法性
您必须满足以下条件才能合法的注册DcWallet账户并使用我们的服务。注册之后，您应持续满足以下各项条件。
（a）如您是自然人，您必须年满18周岁，且具有签署本协议的民事行为能力。如您以商业主体类型注册DcWallet账户，则该商业主体需具有缔结本协议的民事行为能力，代表商业主体注册DcWallet账户的人需年满18周岁，且应有适当授权，包括在该商业主体的设立文件中依法授权、根据该商业主体设立地法律获取授权、以及通过其他方式取得该商业主体的授权。
（b）我们的服务适用于商业相关活动的支付行为，并不适用于个人用途，包括非商业的个人间转账。因此，您必须是一个商业主体，或商业个人，在您正常的商业活动、交易活动中使用我们的服务，不得用于非商业目的。
（c）您必须遵守本协议所有条款，遵守所有反洗钱相关法律（具体定义见下文），以及其他适用的法律法规。
（d）除非另行经过我们的书面同意，否则您必须以您自己的名义使用我们的服务进行交易，不得代表其他第三方。为申请该等同意，您必须向我们提供（i）您所代表的第三方对您的书面授权, (ii)该第三方的身份文件（按我们的要求），以满足合规需求。
（e）在您注册当时及以后，您必须及时向我们更新您的注册信息，以确保其正确性和完整性。
您注册DcWallet账户及/或使用我们服务的行为，代表您确认您满足以上合法性要求。
A-1.3 注册
我们根据本服务协议及我们的公司政策向您提供相关服务。根据法律要求，我们必须了解我们的客户。在您注册DcWallet账户时，我们要求您接受本服务协议的条款及DcWallet公司政策。我们有权对本服务协议及DcWallet公司政策随时更新。我们还要求您在注册时提交相关资料和信息，包括但不限于身份信息，您从事的商业的信息，商业主体的实际控制人、股东、最终受益人等。通常情况下，我们要求您在在线注册时提供的信息已足够我们审查您的申请，但是在有些情况下，我们有权要求您补充其他信息或资料。我们有权委托第三方数据库或第三方服务以审查您的申请，您同意并在此授权我们想该等第三方披露您的信息和资料进行身份核实，以及名字和交易筛查。
A-1.4 DcWallet账户的批准/拒绝
您的DcWallet账户申请需经过我们的批准。我们有权单方决定同意或拒绝您的申请，我们拒绝您申请的原因包括但不限于您未能按要求提供相关信息及资料，法律合规原因，以及我们内部管理决定等。我们将以书面形式通知您注册结果。
A-1.5 登录秘钥
如您申请成功，我们会激活您的DcWallet账户，您通过您的登录秘钥，如用户名和密码，可以接入并使用我们的专用在线平台，以享受我们的相关服务。您不得将登录秘钥披露给任何未授权第三方。如您授权第三方登录您的DcWallet账户，您将对该第三方的所有操作承担责任。
A-2 关联公司及第三方服务商
为了向您提供相关服务，DcWallet需借助其关联公司（“关联公司”）和其他金融机构（“第三方服务商”）的服务。您同意DcWallet通过关联公司向您提供服务。您也同意DcWallet通过或借助第三方服务商以更好的向您提供服务。就DcWallet服务，您与第三方服务商不订立任何合同，您同意不与第三方服务商就我们的服务进行直接交流，否则，我们有权立即停止向您提供DcWallet服务。
A-3支付账户
DcWallet在持牌的金融机构已经开立账户（“支付账户”），用于代表其客户接收、持有、及转账。DcWallet是支付账户的指定/名义持有人。您仅能根据本服务协议在DcWallet同意的情况下适用DcWallet支付账户。DcWallet将客户资金聚在支付账户中。DcWallet将单独为每个客户记账其代为持有的资金。“DcWallet余额”指DcWallet代表客户在支付账户中持有的资金。您可以通过DcWallet账户查询您的DcWallet余额。DcWallet不是银行或信用机构。DcWallet不会就DcWallet余额向您支付利息。您授权DcWallet保有您DcWallet余额所产生的利息（如有）。DcWallet支付账户不是相关法律法规定义的存款账户，您在DcWallet支付账户的资金没有银行保险。DcWallet将严格遵守相关要求，以保护您DcWallet余额的安全及其可变现性。您一经使用DcWallet服务，即视为同意并接受DcWallet余额没有银行保险覆盖的相关风险。
A-4 结算至受益账户
A-4.1 受益账户
A-4.1.1 “受益账户”指您指定的用于从DcWallet接收资金的银行账户。
A-4.1.2为绑定受益账户和DcWallet账户，您需要向DcWallet提供受益账户信息。您确保您提供的受益账户信息是完整和正确的，否则，转账资金可能被退回或转账错误。如果因为您提供的受益账户信息不完整或不正确导致资金退回，需要重新转账的，会产生额外的金融服务费，该额外的金融服务费将在您的转账资金中扣除。如果您为您提供的受益账户信息不完整或不正确导致资金转账错误的，DcWallet将采取商业上合理措施帮助您收回该资金，但是，如果不能收回，您将自行承担该后果。
A-4.1.3受益账户必须正常存续并能接受入账资金。如果受益账户不是正常存续账户，DcWallet转账的资金可能会被退回。
A-4.1.4您的受益账户的绑定需经过DcWallet的审查和批准。我们有权基于法律合规和风险管控等原因，拒绝您绑定受益账户和DcWallet账户的请求。我们亦有权撤销之前批准过的受益账户的绑定。
A-4.2 结算指令
A-4.2.1您必须通过DcWallet账户提交结算指令，才能将您在DcWallet账户中的可用资金转至您的受益账户。
A-4.2.2 DcWallet收到您的结算指令后，会按照您提交的金额和币种向您的受益账户发起转账，并会预先从转账金额中扣除相关费用。您将自行承担受益账户银行收取的所有费用。
A-4.2.3 DcWallet一经接受您的结算指令，您将不可撤销该指令。除非转账至受益账户错误，您不得将资金再转回给DcWallet。
A-4.2.4 DcWallet有权拒绝接受您的结算指令并/或停止执行之前接受的结算指令。在下述情况下，我们可能行使该权利：（i）您的DcWallet余额少于结算指令金额；（ii）受益账户不是正常存续的账户或受益账户信息不正确或不完整；（iii）基于法律合规或风险管控等原因。
我们将在遵守反洗钱法律（定义见下文）及其他相关法律法规的前提下，尽合理商业努力解决结算资金转至您的受益账户所发生的问题。
A-4.3 结算
DcWallet将根据其接受的结算指令，将资金结算至您的受益账户。您授权DcWallet使用关联公司和第三方服务商的服务以完成结算。为提高您资金的流动性，DcWallet可以将已经实际收到DcWallet支付账户，但尚未入账的资金先行向您进行结算。待该资金入账到DcWallet支付账户时，DcWallet或关联公司有权将该笔资金与DcWallet在前述结算过程中预先向您结算的资金进行抵扣。就此您特此向DcWallet和关联公司进行相关授权。
A-5 服务费和抵扣权
A-5.1 服务费
基于DcWallet的服务，您同意向DcWallet支付相应费用（“服务费”）。我们的服务费表公布在我们的网站，您也可以通过您的DcWallet账户获取或了解。如果我们调整服务费（包括增加新费用），我们将更新服务费表，并通过邮件或您的DcWallet账户通知您。我们将通知送达您DcWallet账户关联的邮箱或您的DcWallet账户的第二天视为已经送达。您继续使用我们的服务即代表您接受新的新的服务费。我们将不时向特定客户提供优惠服务费费率，这种情况下具体的服务费将通过我们和您另行签订的书面合同进行规定。DcWallet有权选择在提供服务前或提供服务后向您收取服务费。您授权DcWallet在您收到的、转出的、进行货币兑换的、或在DcWallet余额的资金中扣除到期服务费。您可以通过DcWallet账户查询具体的服务和对应的服务费，如有任何问题，请即联系我们的客服人员。
A-5.2 抵扣
DcWallet及关联公司有权从对您的资金中直接抵扣您对DcWallet的应付费用，包括但不限于您在本服务协议下的应付费用。您授权DcWallet从您的DcWallet余额中直接扣除。
A-6 法律合规和限制使用
A-6.1 反洗钱和反恐怖主义融资
DcWallet遵守其相关管辖地的反洗钱和反恐怖主义融资相关法律（“反洗钱法律”）。为遵守反洗钱法律之目的，DcWallet制定了相关的公司政策和程序以打击洗钱和恐怖主义融资。DcWallet有权向您获取信息和资料,包括但不限于以下：（i）您的身份信息；（ii）您业务的实际控制人或实际受益人的身份信息；（iii）您的业务信息，包括但不限于您的产品、服务、业务关系（如交易对手），及产生资金转账或货币兑换的业务交易信息。（统称“合规信息”）。您同意按要求向DcWallet提供合规信息。DcWallet有权通过您经以进行业务的电商平台和支付公司获取关于你的信息，包括合规信息。您授权DcWallet访问前述电商平台和支付公司并获取该信息。如果DcWallet认为向您提供服务可能导致其违反反洗钱法律的，DcWallet有权任意决定（i）解除或终止本服务协议；（ii）终止或暂停您进入DcWallet账户的权利；（iii）停止或暂停执行相关交易；或（iv）限制或拒绝向您提供服务。
A-6.2 限制使用
在您使用DcWallet服务时，您不得
（i）违反反洗钱法律；
（ii）支付或收取可能与洗钱，恐怖主义融资，或其他非法活动有权的资金；
（iii）向/从被禁止国家列表中的区域的个人或法人支付或收取资金。该被禁止国家列表是本服务协议的一部分，公布在DcWallet网站。DcWallet有权单方随时修订该限制国家列表。
（iv）违反您业务所在地相关法律或从事违法行为，包括但不限于(a)侵犯知识产权；或（b）销售或购买伪冒产品。
（v）从事被禁止产品服务列表中的业务。该被禁止产品服务列表是本服务协议的一部分，公布在DcWallet网站。DcWallet有权单方随时修订该被禁止国家列表。
（vi）违反本服务协议或其他适用于您的协议；
（vii）提供错误、虚假、或有误导的信息给我们；
（viii）拒绝在任何调查中配合我们，或拒绝向我们提供有关您身份或业务的相关信息。
如果DcWallet认为向您有从事限制使用相关行为的，DcWallet有权任意决定（i）解除或终止本服务协议；（ii）终止或暂停您进入DcWallet账户的权利；（iii）停止或暂停执行相关交易；（iv）限制或拒绝向您提供服务;和/或向有关政府部门报告，并/或冻结您全部或部分的DcWallet余额至政府部门的进一步指示。
A-6.3 法庭命令和监管行动
根据法庭命令，法律监管，或其他类似政府程序，DcWallet可能暂停、冻结、或向政府或其他个人或实体支付您全部或部分DcWallet余额。在法律允许的情况下，我们将就此通知您。DcWallet有权决定是否通知及是否回应您。DcWallet没有义务就该等法庭命令，法律监管，或其他类似政府程序进行争论或申诉等的义务。
A-7 信息共享
您向DcWallet提供的信息和资料受我们的隐私政策的保护。本条款是对隐私政策的补充，两者如有冲突，应以本条款规定为准。我们的关联公司和第三方服务商需要您的特定信息如身份、业务、财务信息等以便协助我们向您提供服务。我们的关联公司和第三方服务商需遵守反洗钱法律和其他其业务运营地所在地法律法规，因此，他们需要您的信息以进行合规目的及回应政府相关部门的要求。政府相关部门也可能出于法律合规、调查、或其他法律目的要求我们披露您的信息。您授权DcWallet与其关联公司、第三方服务商、及政府相关部门披露您的信息，包括但不限于合规信息。且DcWallet有权应资金支付方或资金接收方的要求，向其提供本协议复印件以及您的身份信息，资金往来的商业交易信息。
A-8 客户的声明和义务
A-8.1 声明
A-8.1.1您声明您符合本协议第A-1条款规定的合法性要求。
A-8.1.2您声明严格按照本协议规定使用DcWallet服务，并遵守所有您运营地、居住地等相关管辖地的法律法规，包括但不限于有关网络行为，可接受内容，及从美国、欧盟、日本、中国（包括香港）、及任何其它您进行业务或居住的国家的数据传输的相关法律法规。
A-8.1.3您声明您使用DcWallet服务不违反您与任何其他个人或实体的协议，包括你与付款方或收款方的协议。
A-8.1.4您声明使用DcWallet服务不会侵犯或不当使用任何其他个人或实体的知识产权。
A-8.2 义务
A-8.2.1您应确保您在本条款中的声明不仅是在当时是真实的，并且应保证在整个协议期间都是真实的。
A-8.2.2如您的任何资料和信息有变化，如您的身份、联系方式、业务所有权和业务交易、受益账户，及其他信息，可能影响DcWallet向您提供服务的，您应立即与我们沟通。
A-8.3非穷尽说明
本条的声明和义务并非是穷尽的。您应遵守您在本协议下的所有声明和义务，无论是否在本条款中规定。
A-9 免责声明
DcWallet服务按照现状提供。DcWallet, 关联公司，第三方服务商特此声明其就服务不做任何明示或暗示的承诺，包括但不限于适销性、是否适合某一特定用途或目的、不侵权等。DcWallet，关联公司及第三方服务商不保证服务是没有错误的，持续或不中断的。您理解您使用我们的服务是您自己的选择，风险由您自己承担。
A-10角色限定
就收款服务和支付服务，我们仅作为您的代理去收款、持有及转账资金。就货币兑换服务，我们作为您的服务提供商。除了本协议规定的，DcWallet协助您支付及货币兑换以外，DcWallet不参与您与支付方或收款方的任何底层交易。我们不是您与支付方或收款方底层交易合同的乙方。我们也不是您、以及您的支付方或收款方的信托或托管。
A-11 无责任
A-11.1就货币兑换，支付，结算指令，因您提供信息不准确或不完整，导致没有执行或执行有瑕疵的，DcWallet及其关联公司不承担任何赔偿责任。此外，因超过合理控制范围的事件导致的执行失败或延迟的，DcWallet及其关联公司也不承担任何赔偿责任。
A-11.2DcWallet及其关联公司不是您与支付方/收款方，或其他第三方的底层商业交易的乙方。您应自行履行您在底层商业交易中的义务并遵守相关法律法规。因您于支付方/收款方，或其他第三方的底层商业交易所产生的任何损害及责任，与DcWallet及其关联公司无关。
A-11.3根据本协议A-6法律合规和限制使用采取相关措施，导致您遭受损失的，DcWallet及其关联公司不承担任何赔偿责任。
A-11.4 DcWallet及其关联公司通过第三方服务商向您提供服务，您与第三方服务商之间未就该服务达成任何合同关系，第三方服务商不向您承担任何责任或义务。
A-12. 责任限制
无论任何情况下，也无论按照合同责任、过错责任、严格责任等任何法律理论，DcWallet及其关联公司均不对以下损失向您承担责任：
（i）任何间接损失，包括但不限于因商业中断或影响导致的损失；
（ii）寻找替代服务的费用；或
（iii）任何超过您在相关损害赔偿事件发生前12个月向DcWallet支付的费用的金额。
A-13 税务报告及支付
您应自行就DcWallet代替您支付或接受的资金有关的底层交易所产生的税费向相关政府部门进行报告和支付。DcWallet，关联公司，及第三方服务商没有义务就相关税费进行报告及支付。如果DcWallet，关联公司，及第三方服务商应政府相关部门的要求，冻结您的资金，或从您的资金中暂扣或支付相应税费的，您在此授权我们按照政府相关部门的要求进行。
A-14 赔偿
A-14.1 您须赔偿，辩护并保证DcWallet，关联公司，各自的董事、执行官员，员工、和代理免予承担，因为您使用DcWallet服务包括但不限于?C
（i） 因您违反本协议；和/或
（ii） 因支付方/收款方，买方，政府相关部门，及其他第三方提起的索赔；
而导致的损毁，损失，索偿，诉讼，判决，开支与费用（包括合理的律师费）。
A-14.2如因您的业务活动导致DcWallet或关联公司需向政府相关部门支付税费的，您授权DcWallet及其关联公司可以直接在代您持有的资金中扣除。该补救措施并非唯一的。
A-15 终止
A-15.1您有权随时解除本协议，但应向DcWallet签发书面解除通知。我们收到该通知即被视为您发出该通知。解除通知应载明终止日期，未载明的，本协议应自DcWallet收悉解除通知当日终止。
A-15.2DcWallet有权随时解除本协议及终止服务。我们将会向您的邮箱发送该解除通知，一经向您的DcWallet账户关联的邮箱发送该通知，即视为您已经收悉。解除通知应载明终止日期，通常情况下，终止日期设定在通知日后一个月，但是，在下述情况下，终止日为解除通知当日。
（i）根据法律执行、法规部门、法院、或其他政府部门的命令的要求；
（ii）我们发现您在与我们的交易中提供虚假、误导、不准确或不完整的信息给我们，或有其他不诚实行为的；
（iii）您违反本协议或与我们缔结的其他协议的；
（iv）您的DcWallet账户受到入侵，或因为其他安全原因的；
（v）我们怀疑您参与欺诈、洗钱、恐怖主义融资或其他非法活动的；
（vi）我们怀疑您非法或欺诈使用DcWallet服务，违反相关法律的；
（vii）其他我们认为合理的理由的；
A-15.3在终止日前，除非法律禁止撤回资金，您均可以将资金结算到您的受益账户。终止日后，如仍有DcWallet余额的，我们将尽合理努力，通过向邮件联系您以确定如何处理该DcWallet余额。一经向您的DcWallet账户绑定的邮箱发送该通知，即视为您收悉该通知。如您在收到通知后一个月内没有回应，您的资金将视为无人申领资金。我们有权对无人申领资金收取管理费用，该费用将会持续从您的DcWallet余额中扣除直至余额用完为止。无人申领资金也可能根据适用的法律被政府充公。
A-15.4本协议终止后，您的DcWallet账户将被终止，您将不能再使用我们的服务。
A-16. 休眠账户
A-16.1如您连续12个月未使用DcWallet服务的，您的DcWallet账户会被认定为休眠账户。
A-16.2我们将会就此通知您。我们一经向您的DcWallet账户绑定的邮箱发送该通知，即视为您收悉该通知。该通知将载明如何重新激活您的DcWallet账户及再激活截止日期，如您在收到通知后一个月内没有再激活，我们有权向您发送解除通知终止本协议及服务。
A-17 其他条款
A-17.1 关系
DcWallet和向您提供服务的关联公司是独立的合同方。
A-17.2 不可抗力
因不可抗因素，导致DcWallet及其关联公司不能履行本协议义务的，DcWallet及关联公司不承担任何责任。不可抗因素包括但不限于法律法规变更、政府相关部门的命令、第三方服务商的行为或不作为、不可抗力、系统或设备宕机。
A-17.3 修订
只有DcWallet有权不时修订服务协议。我们将会在vip.dcwallet.com或vip.dcwallet.com公布我们的最新修订版本。如果有重大修订，我们会在修订生效前通过邮件或您的DcWallet账户通知您。我们一经向您的DcWallet账户或该账户绑定的邮箱发送该通知，即视为您收悉该通知。如您不同意该修订，则应在规定的时间内停止使用服务。如您持续使用服务，则应视为接受新修订协议。但是如果在修订前有争议发生的，则应按争议发生时所适用的协议版本进行解释。此外，双方可以通过签署书面的补充协议修订本协议，该补充协议应由双方授权代表签署生效。
A-17.4 权利义务转让
本协议对双方及其各自的承继人有效。未经DcWallet书面同意，您不得将协议权利义务转让给第三方。DcWallet有权无条件转让其在本协议下的权利义务给其指定的第三方。
A-17.5 弃权
任意一方放弃本协议某条款的权利，或放弃根据某条款追究对方责任的，均为对当次权利的放弃，不代表对后续行为的权利放弃。
A-17.6 可分割性
如果本协议部分条款被认定为无效或不可执行，在合同核心条款仍然有效的情况下，其他条款应继续有效。
A-17.7 继续有效
本协议终止后，以下条款应持续有效。
Ÿ A-5.2 抵扣
Ÿ A-6.3 法庭命令和监管行动
Ÿ A-7 信息共享
Ÿ A-9 免责声明
Ÿ A-11 无责任
Ÿ A-12. 责任限制
Ÿ A-13 税务报告及支付
Ÿ A-14 赔偿
Ÿ A-15.3关于终止服务后的资金处置
A-17.8 标题
本协议中的标题仅为理解方便，并不构成协议一部分，不影响协议的整体架构和解读。
A-17.9数量及性别
本协议中对单数词的任何引用都包含其适用的复数形式，本协议中对单一性别的词的任何引用都包含其各种性别。
A-17.10关于语言
本协议以英文书就，我们可能会将该协议翻译成其他语言，但对其他语言的翻译仅为方便起见。如果翻译版本的条款与英文版本之间存在任何冲突，则以英文版本为准。
A-17.11合并条款
本协议是DcWallet与您之间的最终协议，是双方之间完整的，唯一的协议。双方之前的任何协商、协议等均已包含在本协议中，并应以本协议为准。本协议不应通过贸易习惯，历史交易等进行解释或补充。除本协议明确规定的以外，任意一方均没有基于对方的其他承诺和担保而订立本协议。本协议生效不设其他生效条件，除非本协议另有规定以外。
附件B
以下条款，与通用条款一起，共同适用于收款服务。
B-1. 缔约主体
就DcWallet的支付服务，我们的缔约主体是代您收款、持有，和/或转账的各个具体的集团内公司。分配给您的支付账户凭据体现了具体的我方缔约主体。
B-1.1 服务组A
如果支付账户凭据由SMARTDOUDOU INC.提供，则我方缔约主体是SMARTDOUDOU INC.。（“服务组A”）
B-2 我们的定位
DcWallet作为您的代理，代您收取您基于货物或服务销售所产生的金额，并转账给您。
B-3 支付方支付义务解除
您同意当DcWallet代您收到支付方付款之时，而非DcWallet将收款结算给您之时，支付方的相应付款义务即已全部履行完毕。
B-4 支付账户凭据
在您申请DcWallet账户之时或之后，可以申请支付账户凭据（“支付账户凭据”）并提供您的相关资料。您的申请一经核准，我们将向您提供支付账户凭据，您可以将该支付账户凭据提供给支付方用以收款。除非DcWallet另外授权，您仅能使用该支付账户凭据用于收款。如果您未经DcWallet提前同意，使任何个人或实体从支付账户对外支出的，您应就支出金额向DcWallet承担赔偿责任。
B-5 服务介绍
以下是DcWallet收款服务的介绍。
SMARTDOUDOU INC.向您提供支付账户凭据，以收取货款或服务款。SMARTDOUDOU INC.是您的代理，代您收取资金，在支付账户里保管您的资金，应您的要求，SMARTDOUDOU INC.将该资金兑换成另一种币种，结算至您的指定受益账户，并且/或将资金支付给您基于货物或服务交易，或其他的许可用途的收款方。
B-6 批准的支付方和许可用途
您仅可以用支付账户凭据用于收款，且该款项支付方必须是DcWallet接受的支付方，收款目的必须是基于货物或服务买卖，或本协议许可的用途的收款。DcWallet有权单方决定是否接受入账到支付账户。从未经许可的支付方转入的，或未经许可的用途的收款可能会被DcWallet拒绝。
B-7 币种
您仅能使用支付账户秘钥用于收取DcWallet可以支付的币种。每个支付账户秘钥对应不同的币种。当我们分配支付账户凭据给您时，会告知您可接收的币种。您应确保汇入的资金是该支付凭据支持的币种，否则该笔转账可能会被退回，或被转换成另一种币种后入账。您将自行承担由此引起的后果，包括因资金退回或转换货币所发生的费用。
B-8 电子资金转账方法
支付账户秘钥仅能用于接收DcWallet支持的电子资金转账的入账。DcWallet不接受通过现金、支票、借记卡或信用卡形式的收款。每个支付账户凭据支持不同形式的电子资金转账。当我们分配支付账户凭据给您时，会告知您可支持的电子资金转账方式。您应确保汇入的资金是通过该可支持的转账方式进行转账的，否则该笔转账可能会被退回。您将自行承担由此引起的后果，包括因资金退回所发生的费用。
B-9 接受收款
DcWallet在任何时候均有权全权决定接受或拒绝接收全部或部分入账收款。该拒绝可以基于任何原因，包括前述条款所述原因，也包括其他原因，如法律合规和风险管控等。DcWallet没有义务向您披露具体的拒绝原因。
附件C
以下条款，与通用条款一起，共同适用于货币兑换服务。
C-1. 缔约主体
就DcWallet的货币兑换服务，我们的缔约主体是SMARTDOUDOU INC.。
C-2 我们的定位
DcWallet是货币兑换服务的服务商。
C-3 服务介绍
通过DcWallet的货币兑换服务，您可以将一种货币兑换成另一种货币。
C-4 币种和汇率
您可以通过DcWallet账户了解我们可以支持的币种和汇率。
C-5 电子资金转账
就货币兑换服务，DcWallet仅支持通过电子资金转账的资金。DcWallet不接受现金、支票、借记卡或信用卡。
C-6 货币兑换指令
您需要向我们出具货币兑换指令，该指令应包含但不限于以下信息：（i）兑换的资金金额；（ii）买入的货币币种；（iii）确认接受汇率。除了货币兑换指令，我们有权要求您提供其他信息或资料，包括与底层交易有关的信息。
C-7 接受货币兑换指令
DcWallet有权决定接受或拒绝您的货币兑换指令。该拒绝可以基于但不限于以下原因：（i）货币兑换指令的信息不准确或不完整；（ii）您未能提供我们要求的信息或资料；（iii）法律合规和风险管控等.
附件D
以下条款，与通用条款一起，共同适用于支付服务。
D-1. 缔约主体
就DcWallet的支付服务，我们的缔约主体是SMARTDOUDOU INC.。
D-2 我们的定位
DcWallet是您的代理，代您对外进行支付。
D-3 服务介绍
通过DcWallet的支付服务，您可以将资金支付至您指定的收款人，但该资金支付须基于货物或服务交易，或其他的许可用途。根据您的支付指令，DcWallet将从您的DcWallet余额中按指定币种支付相应金额的资金给指定收款人。经DcWallet同意，您也可以向DcWallet转账以提高您的DcWallet余额。
D-4 许可用途
您仅可以使用DcWallet支付服务用于向指定收款方支付资金，且支付目的必须是基于货物或服务买卖，或其它DcWallet许可用途的支付。
D-5 电子资金转账
DcWallet仅支持通过电子资金转账向指定收款方付款。且DcWallet仅接受通过电子资金转账对DcWallet的转账。DcWallet不接受现金、支票、借记卡或信用卡。
D-6 支付指令
您需要向我们出具支付指令，该指令应包含但不限于以下信息：（i）支付资金的金额和币种；（ii）收款方的名字；（iii）收款方的账户信息。除了支付指令，我们有权要求您提供其他信息或资料，包括与底层交易有关的信息。
D-7 接受支付指令
DcWallet有权决定接受或拒绝您的支付指令。该拒绝可以基于但不限于以下原因：（i）支付指令的信息不准确或不完整；（ii）您未能提供我们要求的信息或资料；（iii）支付资金不符合许可用途；（iv）法律合规和风险管控等.
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register for or use our Inbound Payment Service and Currency Exchange Service,
you enter into an agreement with the Contractual Entity (or Contractual
Entities) that provides the Inbound Payment Service to you and you enter into
another agreement with the Contractual Entity that provides the Currency
Exchange Service to you.
The following chart
lists the services, the Contractual Entities engaged in providing the services,
and the terms and conditions that apply to the services.
|
Service |
Contractual Entities |
Agreements |
|
Inbound Payment Service |
SMARTDOUDOU INC. |
Exhibit A and Exhibit B |
|
Currency Exchange Service |
SMARTDOUDOU INC. |
Exhibit A and Exhibit C |
|
Outbound Payment Service |
SMARTDOUDOU INC. |
Exhibit A and Exhibit D |
EXHIBIT A
COMMON TERMS
The following terms
and conditions apply to all our services and, together with the Service
Specific Terms applicable to a service, comprise of the agreement that governs
the availability and use of such service (“Agreement.”) The terms “DcWallet”, “we”, “us” (or in the possessive form “ours”) refer to the Contractual Entity (or
Contractual Entities) that provides service to you. All defined terms in the
main body of the DcWallet Terms and Conditions of
Use constitute part of this Agreement.
A-1. DcWallet
ACCOUNT.
A-1.1. About Your DcWallet Account.
In order to use any
of our services, you must first register for an online user account on our
proprietary system (the “DcWallet Account”).Your DcWallet
Account enables you to access our services and information such as information
regarding inbound and outbound payments, account balances, fees, and settlement
of funds to your Beneficiary Account (defined below).
A-1.2. Eligibility.
To be eligible to (i) register for a DcWallet
Account or (ii) to use our services, you must, at the time of registration and
at all times thereafter, meet the following requirements:
(a) If you are
registering for a DcWallet Account as an
individual, you must be 18 years or older and have legal capacity to enter into contract with us. If you are registering as a
business entity, the business entity must have legal capacity to enter into contract with us and the person registering the DcWallet Account on behalf of the business entity must be
18 years or older and be legally authorized under the business entity’s
formation documents and/or the laws of the jurisdiction where the business
entity is organized or otherwise authorized by the business entity.
(b) Our services are
intended to enable payments for business/commercial related activities
and NOT intended for personal use, including non-business
person to person transmission of funds. Therefore, you must be a business
entity or individual that use our services in the course of
your own business, trade or profession, and not for any non-business purpose.
(c) You must agree to
comply with all terms and conditions in this Agreement and all applicable AML
Laws (defined below) and other applicable laws and regulations.
(d) You must use our
services to transact on your own behalf and not on behalf of any other person
or business entity, except in cases where you have obtained our written
approval. To request approval to use our
services to transact on behalf of another person or business entity, you must (i) provide us with written authorization from the person or
business entity on whose behalf you are acting and (ii) provide us with
information and/or documentation, as requested by us, regarding the identity of
such person or business entity for compliance purposes.
(e) During the
registration process, at all times thereafter, you
must promptly update your registration information with us to ensure that such
information is accurate and complete.
By registering with
us for a DcWallet Account and/or using our
services, you state that you meet the eligibility requirements set forth above.
A-1.3. Registration.
We provide services
pursuant to the terms of this Agreement and our policies. We are also required
by law to know our customers. During the registration process, we will request
that you accept this Agreement and applicable DcWallet
policies relating to the use of our services. We have the right to amend this
Agreement and DcWallet policies at any time. We
will also request that you submit an application with
requested information and/or documentation; such information may include, but
is not limited to, information on your identity, your business, and the control
persons, shareholders, or other ultimate beneficiary owners of the business
entity registering for a DcWallet Account. In most
cases, the information and/or documentation that you have submitted in your
online application will be sufficient for us to review your application. However,
in some cases, we may request that you supplement your application with
additional information and/or documentation. We may use third party databases
and services to assist us in reviewing your application and you agree that we
are authorized to share the information and/or documentation you provided with
such third parties for identity verification and name and sanctions screening
purposes.
A-1.4. Approval / Denial of
Application for DcWallet Account. Your application is
subject to our approval. We reserve the right to approve or to deny your
application for a DcWallet Account at our sole
discretion and for any reason, including but not limited to failure to provide
requested information and/or documentation or for reasons related to legal
compliance or internal risk management decisions. We will inform you of our
decision with respect to your application in writing.
A-1.5. Login
Credentials.
Upon approval of your
application, we will activate your DcWallet
Account, which will enable you to access our services on our proprietary online
platform using your login credentials, i.e. your
username and password. You are responsible for keeping your login credentials
safe. You should not disclose your login credential to any unauthorized persons.
If you authorize any person to access or use your DcWallet
Account, you will be responsible for any transaction conducted by such person.
A-2. AFFILIATES AND
SERVICE PROVIDERS.
To provide services
to you, DcWallet relies on the services of (i) its corporate affiliates (“Affiliates”) and (ii) on financial institutions, including banks, payment
service providers, clearing networks, and other intermediary financial
institutions (“Service Providers”). You acknowledge that Affiliates may be engaged in providing
services to you. Furthermore, you acknowledge that Service Providers facilitate
DcWallet in the provision of services to you. No
agreement exists between the Service Providers and you with respect to DcWallet’s services. You agree to avoid any direct
communication with DcWallet’s Service Providers
regarding our services. Any direct contact with a Service Provider regarding DcWallet’s services may result in immediate termination
of your use of DcWallet’s services.
A-3. PAYMENT
ACCOUNTS. To support its services, DcWallet
has established accounts at licensed financial institutions for the purpose of
receiving, holding, and transferring funds on behalf of its customers (“Payment
Accounts”).DcWallet is the
named holder of the Payment Accounts. You are only authorized to use DcWallet’s Payment Accounts as permitted by DcWallet under the terms of this Agreement. DcWallet holds its customers’ fund together in its Payment Accounts. DcWallet
will account to each customer the amount of funds held by DcWallet
on the customer’s behalf. “DcWallet Balance” means the funds that DcWallet holds in its Payment Accounts on a customer’s behalf. You can access information regarding your DcWallet Balance using your DcWallet
Account. DcWallet is not a bank or a credit
institution. DcWallet does not pay interest to you
on your DcWallet Balance. You authorize DcWallet to retain any interest that arise your DcWallet Balance (if any). DcWallet’s
Payment Accounts do not qualify as deposit accounts as defined by relevant laws
and regulations. Funds held in DcWallet’s Payment
Accounts are not insured by banking insurance. DcWallet
will strictly adhere to applicable requirements to ensure the liquidity and
protection of your DcWallet Balance. By using DcWallet’s services, you acknowledge that you assume any
risks to your DcWallet Balance due to the lack of
banking insurance coverage.
A-4. SETTLEMENT TO
BENEFICIARY ACCOUNT.
A-4.1. Beneficiary Account.
A-4.1.1. The “Beneficiary
Account” is a bank account that you’ve designated to receive funds from DcWallet.
A-4.1.2. To bind a Beneficiary
Account to your DcWallet Account, you must submit
requested Beneficiary Account information to DcWallet.
You must ensure that the Beneficiary Account information that you submit is
correct and complete. If the Beneficiary Account information is incorrect or
incomplete, funds transmitted using such information may be rejected or
misdirected. If your funds are rejected due to incorrect or incomplete
Beneficiary Account information and need to be resent, you may incur additional
financial services charges. Such additional financial services charges will be
taken from your funds prior to the transfer of the funds to the Beneficiary
Account. If your funds were misdirected due to incorrect or incomplete
Beneficiary information, we will take commercially reasonable measures to help
you recover the funds. However, you are solely responsible for any funds that
cannot be recovered.
A-4.1.3. The Beneficiary
Account must also be in good standing and able to receive funds. If the
Beneficiary Account is not in good standing, fund transfers by DcWallet to the Beneficiary Account may be rejected.
A-4.1.4. The binding of the
Beneficiary Account is subject to review and approval by DcWallet.
We have the right to deny your request to bind the Beneficiary Account to your DcWallet Account for legal compliance and risk management
reasons. We also have the right to revoke any previously approved binding of
the Beneficiary Account.
A-4.2. Settlement Order.
A-4.2.1. To transfer available
funds in your DcWallet Account to the Beneficiary
Account, you must submit a settlement order through you DcWallet
Account.
A-4.2.2. Upon receipt of the
settlement order, DcWallet will initiate a transfer
of funds in the amount and currency you specified, less any applicable fees, to
the Beneficiary Account. You are solely responsible for the payment of any fees
charged by the bank of the Beneficiary Account.
A-4.2.3. Once DcWallet accepts your settlement order, the settlement
order becomes irrevocable by you. Furthermore, unless the funds were
transferred to the Beneficiary Account in error, you are not permitted to
refund the funds back to DcWallet.
A-4.2.4. DcWallet has the right to
refuse to accept the settlement order and/or to stop the execution of any
previously accepted settlement order. We may exercise such right (i) if we find that your DcWallet
Balance is insufficient to cover the settlement order; (ii) if we find that the
Beneficiary Account is not in good standing or if the Beneficiary Account
information is incorrect or incomplete; or (iii) for legal compliance and risk
management reasons. Subject to our obligations under applicable AML Laws(defined below) and other applicable laws and
regulations, we will use commercially reasonable efforts to resolve issues with
the settlement of funds to your Beneficiary Account.
A-4.3. Settlement.
DcWallet will settle funds to
the Beneficiary Account pursuant to the accepted settlement order. You
authorize DcWallet to use the services of its
Affiliates and Service Providers to facilitate the settlement of the funds. To
improve your liquidity, DcWallet may permit the
settlement of funds, which have been received by DcWallet
on your behalf but not yet credited to the Payment Account, to the Beneficiary
Account. Once the aforementioned funds have been
credited to the Payment Account, you authorize DcWallet
or its Affiliates to apply such funds to the repayment of any funds advanced to
you in the settlement process.
A-5. SERVICE FEES AND
RIGHT TO SETOFF
A-5.1. Service Fee.
In consideration for DcWallet’s services, you agree
to pay fees for services received (“Service Fees”). Our Service Fee com.dcwallet.schedule is published on our website and also available through your DcWallet
Account. In the event that we adjust the Service Fee
com.dcwallet.schedule (including introducing new fees), we will update the Service Fee
com.dcwallet.schedule and notify you via email or through your DcWallet
Account. You are deemed to have received the notice after we have sent the notice
to the email address associated with your DcWallet
Account or made the notice available through your DcWallet
Account. Your continued use of our services indicates that you accept the fees
in the updated Service Fee com.dcwallet.schedule. Furthermore, from time to time, we may
offer promotional rates to select qualified customers, in which case the
applicable Service Fees will be based on separate written agreement between DcWallet and you. DcWallet
has the right to charge the Service Fees prior to or after delivering service
to you. You authorize DcWallet to collect payment
of the Service Fee due by deducting it from funds received, transferred, or
exchanged or by deducting it from your DcWallet
Balance. Information regarding the services provided and Service Fees charged
are available on you DcWallet Account. If you have
any questions, you should contact our customer support.
A-5.2. Right to Setoff.
DcWallet and its Affiliates
have the right to set off from any funds due to you any amount owed to DcWallet by you, including but not limited to any fees
payable under this Agreement. You authorize DcWallet
to exercise this right by deducting funds from your DcWallet
Balance.
A-6. LEGAL COMPLIANCE
AND RESTRICTED USE
A-6.1. Anti-Money Laundering
and Counter Terrorist Financing.
DcWallet is subject to the
applicable laws of the jurisdictions where it conducts business to combat money
laundering and terrorist financing (collectively “AML Laws”). To comply with such AML Laws, DcWallet
has implemented policies and procedures to combat money laundering and
terrorist financing. DcWallet reserves the right to
obtain information and documentation from you, including, but not limited to,
that regarding (i) your identity; (ii) the identity of
the control persons and beneficial owners of your business; and (iii) your
business, including, but not limited to your products and services, business
relationships (e.g. counterparties), and the business
transaction underlying the transfer of funds or currency exchange (collectively
“Compliance Information”). You
agree to provide the Compliance Information requested by DcWallet.
DcWallet further reserves the right to obtain
information about you, including Compliance Information, from e-commerce marketplaces
and payment companies through which you conduct business. You agree to
authorize DcWallet to access the aforementioned
e-commerce platforms and payment companies and obtain such information.
If DcWallet believes that providing services to you
would risk the violation of AML Laws, DcWallet has
the right, at its sole discretion, to (i) terminate
this Agreement; (ii) terminate or suspend your access to your DcWallet Account; (iii) stop or suspend the execution of
any transaction or (iv) restrict or deny services to you.
A-6.2. Restricted Use.
In connection with
your use of DcWallet’s Services, you must NOT -
(i) violate any AML Laws;
(ii) send or receive funds
that potentially involve money laundering, terrorist financing, or other
illegal activities;
(iii) send or receive fund
to/from to persons or entities in jurisdictions set forth in the Prohibited
Country List, as amended from time to time, and incorporated by reference
into this Agreement (The Prohibited Country List is published on DcWallet’s website. DcWallet has
the right to amend the list at its sole discretion.);
(iv) violate any other
laws of the jurisdictions where you conduct business or engage in unlawful
activity, including but not limited to (a) infringing on intellectual property
rights; or (b) selling or buying counterfeit goods;
(v) engage in the
transaction of goods or services set forth in the Prohibited Products
and Services List, as amended from time to time, and incorporated by
reference into this Agreement (The Prohibited Products and Services List is
published on DcWallet’s website. DcWallet has the right to amend the list at its sole
discretion.);
(vi) breach this Agreement
and any other agreements that apply to you;
(vii) provide false,
inaccurate, or misleading information to us; and
(viii) refuse to cooperate
with us in any investigation or refuse provide information to us regarding your
identity and your business.
If DcWallet believes that you have engaged in restricted
use, then DcWallet has the right, at its sole
discretion, to (i) terminate this Agreement; (ii)
terminate or suspend your access to your DcWallet
Account; (iii) stop or suspend the execution of any transaction;
(iv) restrict or deny services to you; and/or report you to the relevant
government authorities and/or freeze part or all your DcWallet
Balance pending further instructions from government authorities.
A-6.3. Court Order or
Regulatory Action.
DcWallet may be required to
withhold, freeze, or release to the government or to another person or entity
some or all of your DcWallet
Balance pursuant to notice of a court order, regulatory action or other
equivalent government process. To the extent permitted by law, we will notify
you of these actions. DcWallet has the right to
decide on the action to take in response to such notice. DcWallet
is not obligated to contest or appeal such court order, regulatory action, or
other equivalent government process.
A-7. INFORMATION
SHARING.
Information and
documentation that you provide to DcWallet are
subject to our Privacy Policy. This section supplements the Privacy Policy. In
the event of conflict between this section and the Privacy Policy, this section
controls. Our Affiliates and Service Providers requires certain identity,
business, and financial information about you in order to facilitate us in the
provision of services to you. Our Affiliates and Service Providers are subject
to AML Laws and other laws and regulations of the jurisdictions where they
conduct business. As such, they require your information for compliance
purposes and to respond to requests by government authorities. Government
authorities may also require us to share your information for regulatory,
investigative, and other legal purposes. DcWallet
is authorized to share your information, including but not limited to
Compliance Information, with its Affiliates, Service Providers and Government
Authorities. Furthermore, DcWallet is authorized to
provide a copy of this Agreement and information about your identity and the
business transaction underlying the payment of funds to any payer or payee that
request such information.
A-8. CUSTOMER’s
REPRESENTATIONS AND OBLIGATIONS.
A-8.1. Representations.
A-8.1.1. You state that you
meet the eligibility requirement set forth in Section A-1above.
A-8.1.2. You state that your
use of DcWallet’s Services will be in strict
accordance with this Agreement and in compliance with all applicable laws and
regulations in the jurisdiction where you operate or reside, including without
limitation any laws or regulations regarding online conduct, acceptable
content, and the transmission of data from the United States, E.U, Japan, China
(including Hong Kong) or any other country in which you conduct business or
reside.
A-8.1.3. You state that your
use of DcWallet’s Services does not breach any
agreement between you and any other person or entity, including any agreement
between you and the payer or payee. .
A-8.1.4. You state that your
use of DcWallet’s Services will not infringe or
misappropriate the intellectual property rights of any other person or entity.
A-8.2. Obligations.
A-8.2.1. You are obliged to
ensure that the representations in this section remain true not only at the
time they were made, but at all times during the term
of this Agreement.
A-8.2.2. You are obliged to
communicate promptly to DcWallet regarding any
changes to your information and documentation regarding your identity, your
contact information, your business ownership and activities, Beneficiary
Account, and other information that may affect DcWallet’s
delivery of services to you.
A-8.3. Not Exhaustive.
For clarity, the
representations and obligations listed in this Section are not exhaustive. You
are subject to all your representations and obligations in this Agreement whether or not the they are specified in this section.
A-9. DISCLAIMER OF
WARRANTY.
DcWallet’s Services are
provided "as is." DcWallet, its
Affiliates and its Service Providers hereby disclaim all warranties of any
kind, express or implied, including, without limitation, the warranties of
merchantability, fitness for a particular purpose and non-infringement. DcWallet, its affiliates, and its Service Providers do
not make any warranty that our Services will be error free or that access
thereto will be continuous or uninterrupted. You understand that you use our
services at your own discretion and risk.
A-10. LIMITATION ON OUR
ROLE.
With respect to our
Inbound Payment Service and Outbound Payment Service, we serve as your agent to
receive, hold, and transfer funds. With respect to our Currency Exchange
Service, we serve as a service provider to you. Except for our limited roles in
the facilitating of payment or currency exchange pursuant to the terms of this
Agreement, DcWallet is not involved in underlying
transaction between you and the payer or payee. We are not a party to the
underlying contract between you and the payer or payee. We also do not act as
fiduciary, trustee, or escrow holder on behalf of you or on behalf of the payer
or payee.
A-11. NO LIABILITY
A-11.1. With respect to any
currency exchange, outbound payment, or settlement order, DcWallet
and its Affiliates are not liable for claims or any damages of any kind that
result from the non-execution or defective execution of the order where such
non-execution or defective execution is due to the fact that
you have provided information that was inaccurate or incomplete. Furthermore, DcWallet and its Affiliates are not liable for any claims
or damages of any kind arising from any failure or delay due to events beyond
its reasonable control.
A-11.2. DcWallet and its Affiliates
are not parties to the underlying commercial transaction between you and the
payer/payee or any other party. It is your responsibility to perform your
obligations with respect to the underlying commercial transaction and to comply
with applicable laws and regulations. DcWallet and
its Affiliates are not liable for any claims or damages of any kind arising
from any underlying commercial transaction between you, the payer/payee, or any
other party.
A-11.3. DcWallet and its Affiliates
are not liable for claims or damages of any kind that arise from action taken
pursuant to section A-6 LEGAL COMPLIANCE AND RESTRICTED USE of this
Agreement.
A-11.4. DcWallet and its Affiliates
provide services to you using Service Providers. No agreement exists between
the Service Providers and you with respect to our services and each of the
Service Providers will accordingly have no liability to you.
A-12. LIMITATION OF
LIABILITY.
In no event shall DcWallet or
its Affiliates be liable to you for any matter arising from this Agreement,
under any theory of contract, negligence, strict liability or other legal or
equitable theory, for -
(i) any special, incidental or consequential damages, including but not
limited to any damages resulting from business disruption;
(ii) the cost of procuring
substitute services; or
(iii) for any amount that
exceeds fees paid by you to DcWallet under this
Agreement during the twelve (12) month period prior to the cause of action.
A-13. TAX REPORTING AND
PAYMENT.
You are solely
responsible for the reporting and payment to relevant government authorities of
all applicable taxes and fees that arise from the underlying commercial
transaction in connection with the funds received or sent by DcWallet on your behalf. DcWallet,
its Affiliates, and their Service Providers are not responsible for the reporting
or the payment of such taxes and fees. In the event that
DcWallet, its Affiliates, or their Service
Providers are required by government authorities to freeze your funds, withhold
taxes or fees from your funds, or make any tax or fee payments for you, you
authorize each of them to comply such request and make payment of any taxes or
fees using funds held on your behalf.
A-14. INDEMNIFICATION.
A-14.1. You shall indemnify, defend and hold harmless DcWallet
and its Affiliates and their respective directors, officers, employees, and
agents from any and all liabilities, damages, losses, claims, suits, judgments,
costs and expenses,
including reasonable attorney fees, arising out of your use of
DcWallet’s services, including but not limited to (i) your violation of this Agreement and/or (ii) any claims
by the payer/payee, buyers of your products or services, government authorities
or other parties.
A-14.2. You shall indemnify DcWallet and its Affiliates for any government taxes or
fees charged to DcWallet in connection with your
business activities. You authorize DcWallet and its
Affiliates to recover any such government taxes or fees from fund held on your
behalf. This remedy is not exclusive.
A-15. TERMINATION
A-15.1. You have the right to
terminate the Agreement at any time with or without cause. To terminate the
Agreement, you must issue written notice of termination to DcWallet.
You are deemed to have issued the notice of termination when we have received
the notice. The notice of termination should specify the effective date of
termination. If no such date is specified, then the Agreement is terminated
when DcWallet receives the notice from you.
A-15.2. DcWallet has the right to terminate
this Agreement and your access to DcWallet’s
services at any time with or without cause. To terminate the Agreement, we will
send to you notice of the termination via email. You are deemed to have
received the notice when we have sent the notice to the email address
associated with your DcWallet Account. The notice
of termination will specify the effective date of termination. In the most
cases, we will set the effective date of termination to be one month from the
date of notice. However, in some case, the termination is effective upon the
date of notice. Such cases include, but are not limited to the following:
(i) upon order by law
enforcement, regulatory authorities, court, or other government authorities;
(ii) we discovered that
you have provided false, misleading, incomplete or
inaccurate information to us or otherwise acted dishonestly in your dealings
with us;
(iii) you breached this
Agreement or any other agreement that you entered into
with us;
(iv) your DcWallet Account has been compromised or for other
security reasons;
(v) we suspect that you
have engaged in fraud, money laundering, terrorist financing or other illegal
activities;
(vi) we suspect that you
used DcWallet’s services illegally or fraudulently
in violation of the laws; or
(vii) other grounds that we
consider appropriate.
A-15.3. Unless we are
prohibited by law from permitting you to withdraw your funds prior to the
effective date of termination, you may settle funds to the Beneficiary Account.
After the effective date of termination, if there’s any remaining DcWallet Balance, we will make reasonable efforts to
contact you to ascertain your instructions with respect to the disposition of
the remaining funds by sending notice to you via email. You are deemed to have
received the notice after we have sent the notice to the email address
associated with your DcWallet Account. If you do
not respond within one month of the date of the notice, your funds will be
considered unclaimed. We have the right to charge an administrative fee on any
unclaimed funds, which will continue to apply and taken from your remaining DcWallet Balance until it is depleted. Unclaimed funds
may also be subject to escheatment to the government under applicable law.
A-15.4. Following the
termination of this Agreement, your DcWallet
Account would be terminated and you would not be able to access our
services.
A-16. INACTIVE ACCOUNTS.
A-16.1. We deem your DcWallet Account to be inactive if you have not used DcWallet’s services for a consecutive twelve months
period.
A-16.2. We will send to you
notice that your DcWallet Account has reached
inactive status. You are deemed to have received the notice after we have sent
the notice to the email address associated with your DcWallet
Account. The notice will provide you information on how to re-activate your DcWallet Account and the deadline by which such action
must be taken. If you don’t take the action
required to re-activate your DcWallet Account
within one month of the date of the notice, we reserve the right to send you a
notice of termination and to terminate this Agreement and your access to our
services.
A-17. GENERAL PROVISIONS
A-17.1. Relationship. DcWallet and its Affiliates
engaged in providing services to you are independent contractors.
A-17.2. Force Majeure. DcWallet
and its Affiliates are not liable for any failure to fulfill its obligations
under this Agreement due to reasons beyond their control, which includes but
not limited to changes of laws, regulations and orders
of any competent authorities, acts of Service Providers, act of God, and
breakdown of system or equipment.
A-17.3. Amendments. From time to time, DcWallet may amend the terms under which its Services are
offered. Only DcWallet has the right to amend this
Agreement. We will post the latest revised version of this Agreement on our
website at www.DcWallet360.com. If we make changes that are material, we will
let you know via e-mail or notice via your DcWallet
Account before the changes take effect. You are deemed to have received the
notice after we have sent the notice to the email address associated with your DcWallet Account or made the notice available through
your DcWallet Account. If you disagree with the
proposed changes, then you should stop using our services within the designated
notice period. Your continued use of our services will be subject to the latest
version of Agreement. However, any dispute that arose before the changes will
be governed by the version of the Agreement that was in place when the dispute
arose. This Agreement may also be amended if DcWallet
and you enter into a separate written agreement to amend this Agreement that is
signed by authorized representatives of both parties.
A-17.4. Successors and
Assigns.
This Agreement will be binding upon and will inure to the
benefit of the parties, their successors and permitted assigns. You are NOT permitted
to assign your rights or delegate your obligations under this Agreement without
DcWallet’s written consent. DcWallet
is permitted assign its rights and delegate its obligations under this
Agreement without condition.
A-17.5. Waiver.
A waiver by either party of any term or condition of this
Agreement or any breach thereof, in any one instance, will not waive such term
or condition or any subsequent breach thereof.
A-17.6. Severability.
If any provision of this Agreement is determined to be
invalid, illegal or unenforceable, the remaining
provisions of this Agreement remain in full force, if the essential terms and
conditions of this Agreement or each party remain valid, binding, and
enforceable.
A-17.7. Survival.
The following provisions survive the termination of this
Agreement:
· Section A-5.2 Right
to Setoff
· Section A-6.3 Court
Order or Regulatory Action
· Section A-7
Information Sharing
· Section A-9
Disclaimer of Warranty
· Section A-11 No
Liability
· Section A-12
Limitation of Liability
· Section A-13 Tax
Reporting and Payment
· Section A-14
Indemnification
· Section A-15.3, which
relates to the disposition of your funds post termination.
A-17.8. Captions.
The descriptive headings of the sections and subsections
of this Agreement are for convenience only, do not constitute a part of this
Agreement, and do not affect this Agreement’s construction or
interpretation.
A-17.9. Number
and Gender.
Any reference in this Agreement to the singular includes
the plural where appropriate, and any reference in this Agreement to the
masculine gender includes the feminine and neuter genders where appropriate.
A-17.10. Governing
Language.
This Agreement is written in English. We may translate
this Agreement to other languages. Any translation to other languages is for
convenience only. In the event of any conflict or inconsistency between a translated
version of this Agreement and the English version, the English version will
prevail.
A-17.11. Merger.
This Agreement constitutes the final agreement between DcWallet and you. This Agreement is the complete and
exclusive expression of the parties’ agreement on the
matters contained therein. All prior and contemporaneous negotiations and
agreements between the parties on the matters contained in the Agreement are
expressly merged into and superseded by the Agreement. The provisions of the
Agreement cannot be explained, supplemented or
qualified through evidence of trade usage or a prior course of dealings. In
entering into the Agreement, neither party has relied upon any statement,
representation, warranty or agreement of the other
party except for those expressly contained in the Agreement. There are no
conditions precedents to the effectiveness of the Agreement, other than those
expressly stated in the Agreement.
EXHIBIT B
The following,
together with the Common Terms, comprise the terms and conditions that govern
the availability and use of our Inbound Payment Service.
B-1.CONTRACTUAL
ENTITIES.
For DcWallet’s Inbound Payment Service, the Contractual
Entity (or Contractual Entities) is each company within our corporate group
that receive, hold, and/or transfer funds on your behalf. The Payment Account
Credential assigned to you determines the Contractual Entity (or Contractual
Entities) engaged in providing services to you.
B-1.1. Group A
Service Provider. If the Payment Account Credential is provided
by SMARTDOUDOU INC., the Contractual Entities are SMARTDOUDOU INC.INC.. (“Group
A Service Provider”).
B-2.OUR ROLE. DcWallet serves as your agent
to receive funds in payment of goods and services on your behalf and to remit
the funds to you.
B-3.RELEASE
OF PAYER FROM PAYMENT OBLIGATION.
You acknowledge that
the receipt of funds by DcWallet on your behalf
satisfies and discharges the payer’s corresponding payment obligations to you
and that the payer is released from such liability for payment when the funds
are received by DcWallet on your behalf and not as
of later when DcWallet settles the funds to you.
B-4.PAYMENT
ACCOUNT CREDENTIALS.
You may apply for
credentials to use our Payment Accounts (“Payment Account
Credentials”) during the DcWallet
Account registration process or subsequently thereafter by providing us
requested information. Upon our approval of your application, we will provide
you with Payment Account Credentials, which you may provide to payers to send
funds. Unless otherwise authorized by DcWallet, you
are only permitted to use the Payment Account Credentials to receive funds. If
you cause any person or entity to debit funds from the Payment Account, without
our prior approval, you will be liable to DcWallet
for the amount debited.
B-5.SERVICE
OVERVIEW.
The following is an
overview of DcWallet’s Inbound Payment Service:
B-5.1. Group A
Service Provider.
SMARTDOUDOU INC. provides you with the Payment Account
Credentials to receive funds in payment for goods and services. SMARTDOUDOU INC.. serves as your agent to receive the
funds on your behalf, to hold the funds in its Payment Account, Upon your request, SMARTDOUDOU INC.. will then convert
the funds to another currency, settle the funds to your designated Beneficiary
Account, and/or transfer the funds to another payee in payment for goods and/or
services or for other permitted purposes.
B-6.APPROVED
PAYERS AND PERMITTED PURPOSES.
You are only
permitted to use your Payment Account Credentials to receive funds from payers
that are acceptable to DcWallet and for the
purposes of receiving funds in payment for goods and/or services or other
purposes permitted under this Agreement. DcWallet
has the right to determine, at its sole discretion, whether to permit funds to
be credited to the Payment Account. Funds from non-permitted payers or for
non-permitted purposes may be rejected by DcWallet.
B-7.CURRENCY.
You may only use the
Payment Account Credentials to receive funds in currency supported by DcWallet. Please note that each Payment Account
Credential supports receiving funds in specific currencies. When we assign a
Payment Account Credential to you, we will inform you of the currencies that
can be received. You are responsible for ensuring that incoming funds is in the
currency that can be accepted using the Payment Account Credential. Funds that
do not correspond to the currency acceptable using the Payment Account
Credential may be rejected or converted to another currency and received into
the Payment Account. You are solely responsible for any consequence resulting
from the rejection of the funds or the exchange of the funds into another
currency, including the payment of any expenses associated with the rejection
of the funds or any currency exchange.
B-8.METHODS
OF ELECTRONIC FUND TRANSFER.
You are only
permitted to use the Payment Account Credential to receive funds transmitted by
methods of electronic fund transfer supported by DcWallet.
DcWallet does not accept funds transmitted via
cash, checks, debit or credit card for the Inbound
Payment Service. Please note that each Payment Account Credential can receive
funds sent via specific types of electronic fund transfer. When we assign a
Payment Account Credential to you, we will inform you of the types of
electronic fund transfer that the Payment Account Credential supports. You are
responsible for ensuring that the incoming funds are sent via an electronic
fund transfer is supported by the Payment Account Credential. Funds transmitted
via an electronic fund transfer that is not supported by the Payment Account
Credential may be rejected and additional costs could be incurred. You are
solely responsible for any consequence resulting from the rejection of the
funds and the payment of any expenses associated with the rejection of the
funds.
B-9.ACCEPTANCE
OF INCOMING FUNDS.
DcWallet reserves the right
to accept or to reject incoming funds, in part or in whole, at its sole
discretion at any time. DcWallet has the right to
reject the incoming funds for any reason, including the reasons cited in the
sections above but also for other reasons, including legal compliance and risk
management reasons. DcWallet is not obligated to
disclose the reasons for the rejection of incoming funds.
Exhibit C
The following,
together with the Common Terms, comprise the terms and conditions that govern
the availability and use of our Currency Exchange Service.
C-1.CONTRACTUAL
ENTITY.
With respect to the
Currency Exchange Service, the Contractual Entity is SMARTDOUDOU INC..
C-2.OUR
ROLE.
DcWallet serves as a provider
of currency exchange services.
C-3.SERVICE
OVERVIEW.
DcWallet’s Currency Exchange
Service exchanges one currency to another currency.
C-4.CURRENCIES
AND EXCHANGE RATES.
The currencies and
exchange rates offered by us, at any time, are available through your DcWallet Account.
C-5.ELECTRONIC
FUND TRANSFER.
For its Currency
Exchange Service, DcWallet only accepts funds
transmitted via electronic funds transfer. We do not accept funds in cash,
check, or debit or credit card.
C-6.CURRENCY
EXCHANGE ORDER.
To use our service,
you must issue a Currency Exchange order with us, which must contain the
following information, including but not limited to ?C (i)
the amount of funds to be exchanged; (ii) the foreign currency purchased; and
(iii) acceptance of the offered exchange rate. In addition to the Currency
Exchange order, we may request that you provide additional information and/or
documentation, including that related to the underlying business transaction.
C-7.ACCEPTANCE
OF ORDER.
DcWallet reserves the right
to accept or to refuse the Currency Exchange order. DcWallet
has the right to refuse to accept the order, including but not limited to, if (i) information in the order is incorrect or incomplete;
(ii) you failed to provide the requested information and/or documentation; or
(iii) for legal compliance and/or risk management reasons.
Exhibit D
The following,
together with the Common Terms, comprise the terms and conditions that govern
the availability and use of our Outbound Payment Service.
D-1. CONTRACTUAL
ENTITY.
With respect to the
Outbound Payment Service, the Contractual Entity is SMARTDOUDOU INC..
D-2. OUR ROLE.
DcWallet serves as your agent
to make outbound payments on your behalf.
D-3. SERVICE OVERVIEW.
DcWallet’s Outbound Payment
Service transfers funds on your behalf to designated payees in payment of goods
and/or services or for other purposes permitted by DcWallet.
Pursuant to your Outbound Payment order, DcWallet
will transfer funds in the amount and currency you designate from your DcWallet Balance to your designated payee. With the
approval of DcWallet, you may also transfer
additional funds to DcWallet to increase your
available DcWallet Balance.
D-4. PERMITTED PURPOSES.
You are only
permitted to use DcWallet’s Outbound Payment
Service to send funds to designate payee in payment for goods and/or services
or for other purposes permitted by DcWallet.
D-5. ELECTRONIC FUND
TRANSFER.
For the Outbound
Payment Service, DcWallet only transfers funds to
the designated payee via electronic fund transfer. Furthermore, DcWallet will only accept funds transmitted to DcWallet via electronic fund transfer. We do not accept
funds in cash, check, or debit or credit card.
D-6. OUTBOUND PAYMENT
ORDER.
To use our service,
you must issue an Outbound Payment Order, which must contain the following
information, including but not limited to - (i) the amount and currency of the funds to be transferred;
(ii) the name of the payee; and (iii) the payee’s bank account information. In
addition to the Outbound Payment Order, we may request that you provide
additional information and/or documentation, including that related to the
underlying business transaction.
D-7. ACCEPTANCE OF
ORDER.
DcWallet reserves the right
to accept or to refuse the Outbound Payment order. DcWallet
has the right to refuse to accept the order, including but not limited to, if (i) information in the order is incorrect or incomplete;
(ii) you failed to provide the requested information and/or documentation;
(iii) if the funds are not for the permitted purposes; or (iv) for legal
compliance and/or risk management reasons.