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银行信用卡网络服务约定条款(中英文)

发布时间：2016-09-01   来源：文档文库   
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银行信用卡网络服务约定条款
CREDIT CARD ONLINE SERVICE AND MOBILE BANKING AGREEMENT 目录 CONTENTS 一、 契约之适用范围Scope of application of contract 二、 名词定义Definition 三、银行信息Bank information 四、 网页之确认Verification of website 五、服务项目Services 六、联机所使用之网络Network used for online services 七、电子文件之接收与响应Receipt and reply of electronic documents 八、电子文件之不执行Invalid electronic document 九、电子文件交换作业时限Electronic document exchange timeframe 十、 费用Expenses 十一、立约人软硬件安装与风险Software/hardware installation and risks 十二、 立约人联机准备及其责任Your responsibility for connection 十三、交易核对 Transaction verification 十四、电子文件错误之处理Handling of errors in electronic documents 十五、电子文件之合法授权与责任
Legal authorization and responsibility of electronic documents 十六、信息系统安全Information system security 十七、保密义务Confidentiality obligation 十八、损害赔偿责任Damage liability 十九、纪录保存Recordkeeping
二十、电子文件之效力Validity of electronic documents 二十一、客户终止契约Termination of contract by customer 二十二、 贵行终止契约Termination of contract by the Bank 二十三、契约修订Modifications 二十四、文书送达Notices 二十五、法令适用Governing Law 二十六、法院管辖Jurisdiction 二十七、标题Headings 二十八、契约分存Counterparts 二十九、 信用卡网络服务及行动银行使用
Use of Credit Card Online Service and Mobile Banking 本约定条款适用之对象仅限定为渣打国际商业银行(以下简称贵行之所有信用卡正卡持卡人(以下简称立约人，立约人使用本行信用卡网络服务暨行动银行与交易时，视同接受本约定条款。
The terms and conditions are applicable to all principal cardholders of the credit cards (hereinafter referred to as the "Customers" issued by Standard Chartered Bank (hereinafter referred to as the "Bank" only. By using the Credit Card Online Service and Mobile Banking, the Customers agree to the terms and conditions herein. 一、 契约之适用范围Scope of application of contract 本约定系信用卡网络服务暨行动银行之一般性共通约定，除个别契约或本行另有规定外，悉依本约定办理。本契约未约定事项，悉依一般约定事项及相关银行规定办理，但个别契约对立约人之保护更有利者，从其约定。本契约条款如有疑义时，应为有利于立约人之解释。
This agreement generally applies to Credit Card Online Services and Mobile Banking. Unless otherwise provided under individual contract, this agreement shall always govern. For matters not provided under this agreement, the general terms and conditions and relevant bank policies shall apply; provided, however, that an individual contract that provides you with better protection shall prevail. Where the terms and conditions of the contract are ambiguous, interpretations shall be made favorable to you.
二、 名词定义Definition 1.「信用卡网络服务暨行动银行」系指立约人端计算机或智能型手机经由因特网与 贵行计算机联机，无须亲赴贵行柜台，即可直接取得 贵行所提供之各项金融服务。「行动银行」系指以智能型手机使用 贵行行动银行APP中网路理财内之信用卡网络服务。 " Credit Card Online Service and Mobile Banking" means the financial services directly available by the Bank to you through the network connection of your computer and smart phone with the Bank's computer without going to a bank teller. “Mobile banking" means the Credit Card Online Service directly available by the Bank’s APP to you through the network connection of your smart phone 2.「电子文件」：系指 贵行或立约人经由网络联机传递之文字、声音、图片、影像、符号或其它数据，以电子或其他以人之知觉无法直接认识之方式，所制成足以表示其用意之纪录，而供电子处理之用者。
"Electronic document" means any records of communication made up of words, voices, pictures, videos, signs or other materials transmitted via network connection between you and the Bank for electronic process in electronic or any manner which human cannot directly perceive. 3.「SSL 安全机制」SSL (Secure Socket Layer是一种因特网上最普遍使用的安全通讯协议，保障网站服务器及浏览器之间的数据传输的安全性。透过使用这个协议，网络上的数据传输会采128位(含以上 对称性加密算法进行加密，更会检查数据的完整性。除此以外，透过所谓『金钥』的加密技术及严谨的SSL 认证注册的程序，SSL 可以验证服务器的身分而达到网站浏览者向网站身分作出检查的目的。
"SSL" or "Secure Socket Layer" is the most common security communication protocol used on the Internet that protects the security of transmission of data and information between website server and browser. Through the use of the protocol, data transmitted on the Internet will be encrypted according to various security level based on the type of certification (128 bit. The protocol examines integrity of information. In addition, through an encryption technology called "key" and strict procedure for SSL certification, SSL verifies the server identity in order for a website browser to validate the identity of a website. 4.「使用者名称」系由立约人自行设定一组6~12 位英文字母、数字，至少须有一英文字母，英文字母区分大小写，且不得为立约人身分证字号或连续相同英文字母、数
字，作为立约人透过计算机或智能型手机登入信用卡网络服务时，身分验证的数据之一。
"User name" means a name made up of 6~12 English letters and Arabic numerals created by you. User name is used as part of the identification verification information when you log in to access your Credit Card Online Service and Mobile Banking. 5.「使用者密码」：系由立约人自行设定一组6~12 位英文字母、数字，至少须有一英文字母，英文字母区分大小写，不得为立约人身分证字号或连续相同英文字母、数字，且不得与使用者名称相同，作为立约人透过计算机或智能型手机登入信用卡网络服务身分验证的数据之一。
"Password" means a password made up of 6~12 English letters and Arabic numerals which is different from the user name created by you. Fixed Password is used as part of the identification verification information when you log in to access your Credit Card Online Service and Mobile Banking, and used as the password for low risk transactions. 6.「简讯密码 (SMS OTP，Short Message Service One Time Password」：指立约人进行在线立即申请或忘记使用者名称及密码时，系统将自动发送一组「简讯密码」(内含OTP 密码及申请内容至立约人所约定之一组行动电话号码，确保网络交易之安全性(每次传送OTP 密码皆为随机数产生，且仅当次有效，有关OTP 之交易机制，以贵行网站所载规定为准。简讯密码此项服务之提供与发送，以 贵行简讯厂商与各电信业者签定的服务范围(如国际漫游协议等为限。
"SMS OTP" or "Short Message Service One Time Password" means the "SMS password" containing transaction ID code, OTP and transaction message automatically generated by the system and sent to the mobile phone number designated by you when you perform a non-designated account's transaction, trust investment, or personal information setup, to ensure the security of online transaction. (Each and every transaction code and OTP transmitted is randomly generated and is valid only for one time use. The OTP Transaction method shall be governed by the rules contained on the Bank's website. The provision and sending of the SMS OTP is limited to the scope of service entered into between the SMS Company engaged of the Bank and the carriers. 三、银行信息Bank information 1. 银行名称：渣打国际商业银行Name of the Bank: Standard Charted Bank (Taiwan Limited
2. 申诉及客服专线：Complaint and Customer service: 四、 网页之确认Verification of website 立约人使用信用卡网络服务暨行动银行前，请先确认信用卡网络服务正确之网址并透过本行官方网站使用信用卡网路服务，行动银行请至AppStore (iPhone 或 Google Play (Android 下载安装行动银行APP，请勿自其它网站下载；如有疑问，请致电 贵行客服专线(24小时客服市话请拨：4058-0088/行动电话请拨：02-4058-0088询问。 贵行须以一般民众得认知之方式，告知立约人信用卡网络服务暨行动银行业务应用环境之风险。 贵行应尽善良管理人之义务，随时维护网站的正确性与安全性，并随时注意有无伪造之网页，以避免立约人之权益受损。
Prior to your use of Credit Card Online Service and Mobile Banking, make sure you use the correct website address for Credit Card Online Service and use Credit Card Online Service by accessing our official website. Please download the Bank’s APP from either AppStore (iPhone or Google Play (Android but not form any other application downloading platform.If you have any question, please call the Bank's customer service number (24-hour customer service number is 4058-0088 if calling from a fixed line or 02-4058-0088 if calling from mobile phone. The Bank shall notify you of the risks involved in online banking application environment in a way normal people can understand. The Bank shall always exercise the duty of care of a good faith manager in maintain the accuracy and safety of the website and making sure there is no phony webpage to prevent any damage to you. 五、服务项目Services 当立约人申请核准后， 贵行提供之信用卡网络服务及行动银行内容以 贵行网站与信用卡网络服务及行动银行公告揭露为主， 贵行应确保该网站讯息之正确性，对立约人所负之义务不得低于网站之内容。 未来贵行若有新种业务开办或信用卡网络服务或行动银行内容有变动(含新増、调整、变更或取消， 贵行仅须于贵行网站与信用卡网络服务及行动银行公告揭露，即可提供相关服务。
After approval of your application, the Credit Card Online Service and Mobile Banking available from the Bank shall be based on the notices post on the Bank's website and Credit Card Online Service and Mobile Banking. The Bank shall ensure the accuracy of the information on the website, and the Bank's obligations to you shall not be less than what is stated on the website. If new types of business are available from the Bank or there is a change to the Credit Card Online Service and Mobile Banking (including addition, adjustment, change or cancellation in the future, except for account's transactions for which a separate contract in the electronic or written form shall be signed, the Bank may disclose the information by posting a notice on the Bank's website and Credit Card Online Service and Mobile Banking before relevant services may be available.
六、联机所使用之网络Network used for online services 贵行及立约人同意使用网络进行电子文件传送及接收。
使用双方各自约定之相关网络业者，双方应分别就各项权利义务关系与网络业者签订网络服务契约，并各自负担网路使用之费用。
The Bank and you agree to use the Internet for transmission and reception of electronic documents. For use of the Internet service provider as agreed to by either party, the parties shall enter into an Internet service contract with respect to their rights and obligations respectively with their own service provider and be responsible for the cost of use of the Internet. 七、电子文件之接收与响应Receipt and reply of electronic documents 贵行接收经 贵行及立约人同意用以辨识身分之电子文件后，除查询之事项外， 贵行须提供该交易电子文件中重要信息之网页供立约人再次确认后，实时进行检核及处理，并将检核及处理结果，以网页实时呈现或电子邮件或其他双方约定之方式通知立约人。 贵行接收立约人或立约人接收 贵行之任何电子文件，若无法辨识其身分或内容时，视为自始未传送，但贵行可确定立约人身分时，应立即将内容无法辨识之事实，以网页实时呈现或电子邮件或其它双方约定之方式通知立约人。
立约人所发送之电子讯息，若为非发送日所须立即处理者，立约人同意以发送时与 贵行所约定之情况为准。
Upon receipt of the an electronic document used for identity verification agreed to by you and the Bank, and after providing a webpage which displays the important information in such electronic document of transaction for your re-verification unless it is a matter of inquiry, the Bank will promptly perform verification or handle the matter and notify you of the result of verification or outcome of the matter by immediate webpage display, an email or in any manner agreed to by the parties. If the Bank receives an electronic document from you (and vice versa and the contents of the document is illegible, the message shall be deemed to have been never sent by the sender. However, if the Bank receives an illegible message but the identity of the sender can be verified, the Bank shall immediately notify you of the fact that you have sent an illegible message to the Bank by immediate webpage display, an email or in any manner agreed to by the parties. If you send an electronic document for a matter not required to be immediately handled on the same day, you agree the matter may be handled in a manner as agreed to by you and the Bank at the time of the message.
八、电子文件之不执行Invalid electronic document 如有下列情形之一， 贵行将不执行任何接收之电子文件：
In any of the following circumstances, the Bank will not perform a request contained in the electronic document received: 1.有具体理由怀疑电子文件之真实性或所指定事项之正确性者。
The Bank has a concern over authenticity of an electronic document or accuracy of the request stated therein for a specific reason; 2. 贵行依据电子文件处理，将违反相关法令之规定者。
贵行不执行前项电子文件者，应同时将不执行之理由及情形，以网页实时呈现或电子邮件或其它双方约定之方式通知立约人，立约人受通知后得透过客服电话或亲临分行或以其它双方约定方式向 贵行确认。
The Bank will violate applicable laws and regulations if performing a request contained in the electronic document; If the Bank decides not to perform a request contained in an electronic document as described in the preceding paragraph, it shall at the same time notify you of the reason why it will not perform the request and status of the matter by immediate webpage display, an email or in any manner agreed to by the parties. Upon notification, you may call the Bank's customer service number, come to any of the Bank's branches personally or in a manner agreed to by the parties to confirm the matter. 九、电子文件交换作业时限Electronic document exchange timeframe 信用卡网络服务及行动银行电子文件系由 贵行信息系统自动处理，立约人发出电子文件，经立约人依第七条第一项 贵行提供之再确认机制确定其内容正确性后，传送至 贵行后即不得撤回。
本服务为24小时服务机制，贵行如因特定因素(如信息系统例行维护等无法提供服务时， 贵行需提前于 贵行网页及行动银行明显处公告之；惟若遇突发状况，为保障立约人权益， 贵行得随时暂停服务，进行状况排除，但须于贵行网页及行动银行明显处公告之。
Credit Card Online Service and Mobile Banking electronic documents are processed automatically by the Bank's information system. Once you have sent an electronic
document to the Bank and verified its accuracy in accordance with the re-verification system provided by the Bank under paragraph 1 of Article 7, you may not withdraw, cancel or revise your document. Credit Card Online Service is 24 hours service. If the Bank is unable to provide services in certain circumstance (e.g. regular maintenance of information system, the Bank shall post an advance notice in a conspicuous manner on the Bank's webpage. However, in the event of an unexpected situation, the Bank may suspend services at any time in order to protect your rights and benefits and remove the situation; provided, however, that the Bank shall post a notice in a conspicuous manner on the Bank's webpage. 十、 费用Expenses 立约人自使用本契约服务之日起，愿依约定收费标准缴纳服务费、手续费及邮电费，并授权 贵行自立约人之账户内自动扣缴；如未记载者， 贵行不得收取。
前项收费标准于订约后如有调整， 贵行应于贵行网站上明显处公告其内容，并以电子邮件或其它双方约定之方式使立约人得知调整之内容。若配合 贵行优惠活动，得依较优惠之价格收取费用，并于活动开始后公告即可。 第二项之调整如系调高者， 贵行应于网页上提供立约人表达是否同意费用调高之选项。立约人未于调整生效日前表示同意者， 贵行将于调整生效日起暂停立约人使用信用卡网络服务及行动银行一部或全部之服务。立约人于调整生
效日后，同意费用调整者， 贵行应立即恢复信用卡网络服务及行动银行契约相关服务。 前项 贵行之公告及通知应于调整生效六十日前为之，且调高之生效日不得早于公告及通知后次一年度之起日。
You agree to pay the service fee, handling fee, and postage and telecommunication fees according to the fee schedule as agreed from the first day of your use of services under the contract, and authorize the Bank to automatically deduct such fees from your account; the Bank may not charge a fee which is not stated in the contract. In the event of an adjustment to the fee schedule as mentioned above after the contract is entered into, the Bank shall post the details of the change in a conspicuously manner on the Bank's website and issue a notice by email or in a manner agreed to by the parties to inform you of the adjusted fees. If you agree to participate in promotional activities offered by the Bank to be eligible for discount price, a notice may be posted after the activities start. If the adjustment in the second paragraph is to increase the fees, the Bank shall provide an option on the website for you to express if you agree to the increase of fees. If you have not agreed prior the effective date of the adjustment, the Bank will suspend your use of part or all of the Credit Card Online Service and Mobile Banking from the effective date of the adjustment. If you agree to the adjustment of fees
after the effective date of the adjustment, the Bank shall immediately resume the Credit Card Online Service and Mobile Banking. The Bank’s post and notice in the preceding paragraph shall be made sixty (60 days prior to the effective date of adjustment, and the effective date of an increase may not be earlier than the first day of the year after such post and notice. 十一、立约人软硬件安装与风险Software/hardware installation and risks 立约人申请使用本契约之服务项目，应自行安装所需之计算机/智能型手机之软件、硬件，以及其它与安全相关之设备。安装所需之费用及风险，由立约人自行负担。 第一项软硬件设备及相关文件如系由 贵行所提供， 贵行仅同意立约人于约定服务范围内使用，不得将之转让、转借或以任何方式交付第三人。 贵行并应于网站及所提供软硬件之包装上载明进行本服务之最低软硬件需求，且负担所提供软硬件之风险。 立约人于契约终止时，如 贵行要求返还前项之相关设备，应以契约特别约定者为限。 When you apply for use of services under the contract, you shall be responsible for installing computer/ smart phone software, hardware and other related security device as required. You shall be solely liable for the costs and risks involved in the installation. In case the software, hardware and related documents in the preceding paragraph are provided by the Bank, the Bank only agrees you may use them to the extent they are required to enable the agreed services and you shall not assign, lease or deliver any of the above to third party. The Bank shall specify the minimum hardware/software requirements for using the services on the website or on the package of the hardware/software provided by the Bank and shall bear the risks involved in the hardware/software provided by the Bank. The Bank may not ask you to return the related device in the preceding paragraph upon termination of contract unless otherwise specially provided in the contract. 十二、 立约人联机准备及其责任Your responsibility for connection 1. 若贵行与立约人有特别约定者，立约人必须与 贵行为必要之测试后，始得联机。 In case that the Bank has a special agreement with you, you are required to perform necessary tests with the Bank before the connection may be enabled. 2. 立约人对 贵行所提供或授权使用之使用者名称、使用者密码或简讯密码、约定接收简讯密码之行动电话及其行动电话号码之SIM卡之软硬件及相关文件，应负保管之责，
未妥善保管而发生遗失、毁损、灭失所致之损失，由立约人自行负责， 贵行不负任何赔偿责任。
第一项软硬件设备及相关文件如系由 贵行所提供， 贵行仅同意立约人于约定服务之范围内使用，不得将之转让、转借或以任何方式交付第三人。倘因立约人之行为致侵害 贵行或第三人之智能财产权或其它权利，或因不当之操作使用导致损害时，应自负其责任。
立约人输入前项密码(使用者名称或使用者密码或简讯密码连续错误达三次时，贵行计算机及行动银行即自动停止立约人使用本契约之服务。立约人如拟恢复使用，应依约定办理相关手续。
You shall be responsible for keeping the user name, Password or SMS OTP, hardware and software of mobile phone or the SIM card for such phone used for receipt of SMS OTP, and related documents provided or authorized for use by the Bank. You shall be solely liable for any and all losses caused by loss, damage or destruction of the above due to your negligence and the Bank shall not be liable for any such damage. In case the software, hardware and related documents in the preceding paragraph are provided by the Bank, the Bank only agrees you may use them to the extent they are required to enable the agreed services and you shall not assign, lease or deliver any of the above to third party. If your act infringes the Bank's or a third party's intellectual property rights or other rights, or damage is caused due to improper operation, you shall take the full responsibility. If you have entered an incorrect password in the preceding paragraph (user name, Password or SMS OTP for three (3 consecutive times, the Bank’s computer will immediately suspend your use of Credit Card Online Service. If you wish to continue your use, you need to follow the relevant procedures as agreed. 十三、交易核对 Transaction verification 贵行于每笔交易指示处理完毕后，以电子文件或 贵行及立约人约定之方式通知立约人，立约人应核对其结果有无错误，如有不符，应于交易完成日起四十五日内，以透过客服电话或亲临分行或其它双方约定之方式通知 贵行查明。
贵行应于每月对立约人以平信或其它双方约定方式寄送上月之交易月结单（该月无交易时不寄）。立约人核对后如认为交易月结单所载事项有错误时，应于收受之日起四十五日内，以透过客服电话或亲临分行或其它双方约定之方式通知 贵行查明。 贵行对于立约人之通知，应即进行调查，并于通知到达 贵行之日起三十日内，将调查之情形或结果以书面方式覆知立约人。

Upon completed performance of service requested in a transaction instruction, the Bank will send an electronic document to you or otherwise notify you in a manner agreed to by you and the Bank. You shall verify the accuracy of outcome of the transaction. If the event of any discrepancy, you shall give a notice to the Bank by calling the Bank's customer service number, coming to any of the Bank's branches personally or in a manner agreed to by both parties within forty-five (45 days after completion of the transaction. The Bank shall send a monthly statement to you for previous month (no statement will be sent if no transaction during the statement cycle by regular mail or in the manner agreed to by the parties on a monthly basis. Upon verification, if you believe there is an error in the monthly statement, you shall give a notice to the Bank by calling the Bank's customer service number, coming to any of the Bank's branches personally or in a manner agreed to by the parties within forty-five (45 days after receipt of the statement. With regard to your notice, the Bank shall promptly conduct an investigation and notify you in writing of the status or outcome of investigation within thirty (30 days after receipt of your notice. 十四、电子文件错误之处理Handling of errors in electronic documents 立约人利用本契约之服务，如其电子文件因不可归责于立约人之事由而发生错误时， 贵行应协助立约人更正，并提供其它必要之协助。
前项服务因可归责于 贵行之事由而发生错误时， 贵行应于知悉时，立即更正，并同时以电子文件或 贵行及立约人约定之方式通知立约人。
When you use the services under the contract, if there is an error in electronic document due to a circumstance for which you are not liable, the Bank shall assist you in making the correction and furnish other necessary assistance. If an error occurs to the above services due to a circumstance for which the Bank is liable, the Bank shall immediately make the correction upon discovery of the error and at the same send an electronic document to you or otherwise notify you in a manner agreed to by you and the Bank. 十五、电子文件之合法授权与责任
Legal authorization and responsibility of electronic documents 双方同意应确保所传送至对方之电子文件均经合法授权。

双方同意于发现有第三人冒用或盗用经合法授权之使用者名称及密码，或其它任何未经合法授权之情形，应立即以电话或其它双方约定方式通知他方停止使用该服务并采取防范之措施。
贵行接受前项通知前，对第三人使用该服务已发生之效力，由 贵行负责。但有下列任一情形者，不在此限：
The parties agree to ensure that electronic documents sent to the other party are all legally authorized. The parties agree that in the event of discovery of unauthorized use or theft of legally authorized user name and password by third party, or any other circumstances where legal authorization is not obtained, the party discovering the violation shall immediately call or notify the other party in a manner agreed to by both parties to stop using the service and take precautionary measures. The Bank shall remain liable for use of the services by third party that has taken effect prior to the Bank's receipt of notice, except for any of the following circumstances: 1. 贵行能证明立约人有故意或过失。
The Bank is able to prove you had such an intention or committed negligence 2. 贵行依双方约定方式通知交易核对数据或账单后超过四十五日。惟立约人有特殊事由(如长途旅行、住院等 致无法通知者，以该特殊事由结束日起算四十五日，但 贵行有故意或过失者，不在此限。 针对第二项冒用、盗用事实调查所生之鉴识费用由 贵行负担。
It has been more than forty-five (45 days after the Bank notifies you to verify the transaction or bill in a manner agreed to by the parties. If there is any special circumstance (e.g. long distance travel or hospitalization which impedes you from being notified, The forty-five (45 days shall begin from the end of the special circumstance. Provided, however, that the Bank shall remain liable if the Bank had such an intention or committed negligence. The Bank shall be liable for the forensics fees incurred for investigation of the unauthorized use or theft in the preceding paragraph. 十六、信息系统安全Information system security 双方应各自确保所使用信息系统之安全，防止非法入侵、取得、窜改或毁损业务记录及立约人个人数据。

第三人破解 贵行信息系统之保护措施或利用信息系统之漏洞争议，由贵行就该事实不存在负举证责任。因第三人入侵 贵行信息系统所造成之损害，由贵行负担。 The parties shall ensure security of its information system respectively and prevent illegal access to the system, acquisition, unauthorized modification or damage or destruction of business records and customer's personal information. In the event of a dispute over third party's removal of protection measure for the Bank's information system or use of a loophole in information system, the Bank shall bear the burden of proof with regard to non-existence of such event. The Bank shall be liable for the damage arising from third party's unauthorized access to the Bank's information system. 十七、保密义务Confidentiality obligation 除其它法律规定外， 贵行应确保所交换之电子文件因使用或执行本契约服务而取得立约人之数据，不泄漏予第三人，亦不可使用于与本契约无关目的，且于经立约人同意告知第三人时，应使第三人负本条之保密义务。
前项第三人如不遵守此保密义务者，视为本人义务之违反。
Unless otherwise provided by law, the Bank shall ensure not to disclose to third party any electronic documents exchanged between the parties or any information of you received by the Bank in the use or performance of services under the contract and not to use such documents and information for purposes unrelated to the contract. If a third party is to be informed of such documents and information, subject to your consent, the Bank shall cause the third party to be bound by the confidentiality obligation hereunder. In the event of a violation of the confidentiality obligation hereunder by third party in the preceding paragraph, the disclosing party shall be deemed in breach of its obligation. 十八、损害赔偿责任Damage liability 双方同意依本契约传送或接收电子文件，因可归责于当事人一方之事由，致有迟延、遗漏或错误之情事，而致他方当事人受有损害时，该当事人应就他方所生之损害负赔偿责任。
The parties agree that in the event of damage to either party caused by delay, omission or mistake in sending or receiving electronic documents under the contract due to a circumstance for which the other party is liable, the party shall be liable for damage sustained by the other party and interest accrued thereon.
十九、纪录保存Recordkeeping 1.双方应保存所有经由本服务所提供之相关电子文件纪录，并应确保纪录之真实性及完整性。
The parties shall keep all records related to electronic documents sent through the services and shall ensure the truthfulness and integrity of the records. 2.贵行对前项纪录之保存，应尽善良管理人之注意义务。保存期限至少为五年以上，但其它法令有较长规定者，依其规定。
The Bank shall exercise the duty of care of a good faith manager in keeping the records in the preceding paragraph for at least five (5 years; provided, however, that if there are longer periods specified in laws, such longer periods shall prevail. 3. 本服务提供之各项信用卡交易数据，仅供立约人作为参考之用，正确之数据仍应以 贵行提供之月结单为准。
The credit card transaction information provided by the Service is provided to the Customers for their reference only. The correct information shall be based on that identified in the monthly statements provided by the Bank. 4. 若本服务因计算机系统暂停服务而无法办理或查询数据时，请来电 贵行24小时客户服务中心。
If the Customers cannot process or search for any information via the Service due to interruption in the computer system, please call the Bank's 24-hour Customer Service Centre. 二十、电子文件之效力Validity of electronic documents 双方同意以电子文件作为表示方法，依本契约交换之电子文件，其效力与书面文件相同。但法令另有排除适用者，不在此限。
The parties agree to communicate by electronic documents, and the electronic documents exchanged under the contract shall be as valid as written documents, unless such validity is prohibited by laws. 二十一、客户终止契约Termination of contract by customer
立约人本人得随时来电本行24小时客户服务中心，经由服务人员核对身份与资料无误后，终止本约定条款。
The Customers may call the Bank's 24-hour Customer Service Centre in person at any time to terminate the terms and conditions herein after their identity and information have been verified by the service representatives. 二十二、 贵行终止契约Termination of contract by the Bank 贵行得于发生下列行为时立即终止提供本约定之服务：
The Bank may terminate the Service immediately upon the occurrence of any of the following circumstances: 1. 立约人如企图利用信用卡网络服务及行动银行搜集他人数据或有不良之使用记录或有任何破坏及不当行为时，贵行得不经通知立即取消立约人之使用资格。
2.得依本约定条款于网站揭示后停止提供此项服务，惟应于三十日前公告于本行网站。 3.立约人违反本约定条款之规定或擅自将使用本服务之权利或义务转让第三人使用者。 4.立约人依破产法声请宣告破产或消费者债务清理条例声请更生、清算程序者。 5.立约人违反本契约第十五条至第十七条之规定者。
6.立约人违反本契约之其它约定，经催告改善或限期请求履行未果者。
(1 If the Customers attempt to collect another person's information via the Credit Card Online Service, are proven to have accessed the service improperly, or have been engaged in destruction and misconduct, the Bank may cancel the customers' access authority immediately without prior notice. (2 The Bank may suspend the Service after disclosing the suspension on the website pursuant to the terms and conditions herein, provided that it shall disclose the suspension on the website thirty days prior to the suspension. (3 You assign your rights or obligations under the contract to third party without consent or authorization of the Bank; (4 You have filed for bankruptcy in accordance with the Bankruptcy Act or filed for rehabilitation or liquidity in accordance with the Consumer Debt Clearance Act; (5 You breach the provisions under Articles 15 to 17 of the contract; and (6 You breach any other provisions under the contract and fail to make a correction upon request or fail to perform your obligation within a specified period of time.
二十三、契约修订Modifications 本契约约款如有修改或增删时，于修改日十日前将修改内容公告于本行网站，立约人于十日内不为异议者，视同承认该修改或增删约款。但下列事项如有变更，应于变更前六十日以双方约定方式通知立约人，并于双方约定方式以显著明确文字载明其变更事项、新旧约款内容，暨告知立约人得于变更事项生效前表示异议，及立约人未于该期间内异议者，视同承认该修改或增删约款；并告知立约人如有异议，应于前项得异议时间内通知银行终止契约：
Where there is any modification or amendment to any provision under the contact and shall post the content of the amendments on the Bank's website 10 days prior to the amendments, you will be deemed to have agreed to such modification or amendment to the provision unless you send a notice to the Bank within ten (10 days, indicating your dissent. However, where there is a change to the following items, the Bank shall notify you in writing or in a manner agreed to by both parties sixty (60 days prior to such change stating the changed items and the new and old provisions in a conspicuous and clear manner, and that you will be deemed to have agreed to such modification or amendment to the provision unless you send a notice to the Bank before the effective date of the changed items indicating your dissent, and that you shall notify the Bank to terminate the contract within the dissenting period above if you have any dissent: 1.第三人冒用或盗用使用者代号、密码，或其它任何未经合法授权之情形， 贵行或立约人通知他方之方式。 2.其它经主管机关规定之事项。
(1 The manner in which you or the Bank notifies each other where there is any unauthorized use or theft of legally authorized user name and password by third party, or any other circumstances where legal authorization is not obtained. (2 Other items prescribed by competent authorities. 二十四、文书送达Notices 立约人同意以契约中载明之地址或立约人依信用卡合约书留存之地址为相关文书之送达处所，倘立约人之地址变更，应即以书面或其它约定方式通知 贵行，并同意改依变更后之地址为送达处所；如立约人未以书面或依约定方式通知变更地址时， 贵行仍以契约中立约人载明之地址或最后通知 贵行之地址为送达处所。
You agree that all notices from the Bank to you will be sent to the address left by you in the contract or to the address left by you in the credit card agreement Where there is any change to your address, you should immediately notify the Bank in writing or in a manner agreed, and you agree that all notices from the Bank to you
will be sent to the changed address. If you do not notify the Bank of the change to your address in writing or in a manner agreed, all notices from the Bank to you will still be sent to the address left by you in the contract or the last notified address left by you. 二十五、法令适用Governing Law 关于本约定条款，除双方有特别约定者外，适用 法律。
Unless otherwise agreed by both parties, the terms and conditions herein shall be governed by the laws of the Republic of China (Taiwan. 二十六、法院管辖Jurisdiction 因本契约而涉讼者， 贵行及立约人同意以台湾台北地方法院为第一审管辖法院。但不得排除消费者保护法第四十七条或民事诉讼法第四百三十六条之九规定小额诉讼管辖法院之适用。
The Bank and you agree that all disputes, controversies, differences or claims arising out of, relating to or in connection with the contract, or the breach, termination or invalidity thereof shall be subject to the jurisdiction of ROC Taipei District Court. However, this does not exclude the application of Article 47 of the Consumer Protection Act or Article 436-9 of Civil Procedure Code for the small-claim proceeding. 二十七、标题Headings 本契约各条标题，仅为查阅方便而设，不影响契约有关条款之解释、说明及了解。 All headings and titles used in the contract are for the convenience only and shall in no circumstances affect interpretation, explanation and understanding of the provisions of the contract. 二十八、契约分存Counterparts 立约人可于 贵行官方网站直接打印本约定书予以留存，但最终版本须以 贵行网站上列示为准。
You could print out the contract for your reference from our public website. However, the final version is based on the one on our public website. 二十九、 信用卡网络服务及行动银行使用

Use of Credit Card Online Service and Mobile Banking 1. 使用方式：立约人须经由连结因特网之计算机或智能型手机，连结至贵行提供之「信用卡网络服务网页」，申请使用之。
Use: The Customers shall login to the "Credit Card Online Service" provided by the Bank to register for the Service. A. 信用卡网络服务在线申请流程：立约人需登入贵行官方网站，并以贵行连结网址进入信用卡网络服务页面，点选网页上之「在线立即申请」后，阅读并同意本条款，再经 贵行身分验证后，以立约人留存于本行之行动电话号码接收简讯密码，再由立约人自行设定使用者名称及使用者密码后，即可登入使用信用卡网络服务，如立约人于贵本行未留存行动电话号码，则于在线申请完成后须致电客服中心进行启用，始可登入使用信用卡网络服务。
Registration for Credit Card Online Service: You need to go to our public website and redirect to the page of registration for Credit Card Online Service. By clicking “How to register” and reading/checking the contract, the Bank will verify your identification via the mobile number you left with SMS password. Then you will set up the username and password by yourself before you could log in. If you don’t left mobile number, you will need to contact our contact center for further actions. B. 立约人于使用时需输入正确的身分证字号、使用者名称及使用者密码，经贵行验证立约人身分无误后，方得登入使用本服务。
The Customers shall correctly enter the National ID number, username and the user’s password to use the Service, and may log in and access the Service after the Bank verifies their identity. C. 行动银行开通及停用：本服务功能须由立约人登入信用卡网络服务且详阅并同意「渣打行动银行注意事项」，输入使用者密码后进行行动银行开通及行动装置认证程序，本行将提供一组4位数行动装置认证密码，立约人须注销信用卡网络服务后，由立约人自行于智能型手机下载渣打银行行动银行程序并完成安装，且于智慧型手机开启程序并输入与信用卡网络服务相同之使用者名称及使用者密码后，再输入行动装置认证密码，经本行验证后，始开始使用相关服务。立约人须于取得认证密码时起24小时内依 贵行指定之行动银行服务系统认证方式完成个人智能型手机认证。倘立约人逾前述密码认证时效尚未进行认证作业，系统将自动取消该组认证密码，立约人日后若
仍拟使用行动银行，应于信用卡网络服务依下述行动装置认证程序重新办理认证手续。停用时亦须由立约人登入信用卡网络服务且详阅并同意「渣打行动银行注意事项」后完成行动银行停用设定，停用后所有已认证之行动装置将同步取消。
Mobile Banking Service- Activation and Suspension: To access the Services, you should log in the Credit Card Online Service and review carefully and agree to the "Standard Chartered Bank (Taiwan Limited - Terms and Conditions for Mobile Banking Services" . Then you should enter the password to activate the Mobile Banking Services and then complete the following mobile device verification procedure. The Bank will issue a 4-digit mobile device verification code. You should log off the Credit Card Online Service and download and install the application to your smart phone. After activating the application on your smart phone and enter the same username and password for your Credit Card Online Service, you should enter the mobile device verification code for the Bank's verification. Upon completion of the process, you may start to use the Services. You are required to complete verification of your personal smart phone by following the verification method for Mobile Banking Services system designated by the Bank within 24 hours of receipt of your verification code. A delay of your verification beyond the above time period will result in automatic cancellation of the issued verification code by the system. If you wish to use the Mobile Banking Services in the future, you should repeat the same verification procedure at the Credit Card Online Service. To suspend the Services, you should log in the Credit Card Online Service and review carefully and agree to the "Standard Chartered Bank (Taiwan Limited - Terms and Conditions for Mobile Banking Services" and then enter password to complete the procedure to suspend your Mobile Banking Services. The Mobile Device Verification will be cancel at the same time. D. 行动装置认证：立约人如需于未经 贵行认证之智能型手机进行 贵行行动银行服务，立约人须登入信用卡网络服务且输入「使用者密码」，以进行行动装置认证。 贵行将显示一组4位数行动装置认证密码于网页上，立约人须先注销信用卡网络服务，再以智能型手机登入行动银行，并输入该4位数行动装置认证密码，始得完成行动装置认证程序并使用行动银行相关服务。立约人须于取得认证密码时起24小时内依 贵行指定之行动银行服务系统认证方式完成个人智能型手机认证。倘立约人逾前述密码认证时效尚未进行认证作业，系统将自动取消该组认证密码，立约人日后若仍拟使用行动银行，应于信用卡网络服务重新办理认证手续。行动装置认证最多以三组智能型手机为限。立约人如需删除行动装置认证，须登入信用卡网络服务删除该组行动装置认证，并输入「使用者密码」后，即完成删除程序。
Mobile Banking Service- Mobile Device Verification: You should log in the Credit Card Online Service and then enter your fixed password to began the mobile device verification process if the smart phone have not been verified yet. A 4-digit mobile device verification code will appear on the Bank's webpage. You need to log off the Credit Card Online Service and use your smart phone to log in the Mobile Banking Services and enter the 4-digit mobile device verification code to complete the mobile device verification procedure and begin to use the Mobile Banking Services. You are required to complete verification of your personal smart phone by following the
verification method for Mobile Banking Services system designated by the Bank within 24 hours of receipt of your verification code. A delay of your verification beyond the above time period will result in automatic cancellation of the issued verification code by the system. If you wish to use the Mobile Banking Services in the future, you should repeat the same verification procedure at the Credit Card Online Service. For mobile device verification, the maximum number of accepted smart phones is three. You could log in the Credit Card Online Service and then enter your fixed password to cancel the mobile device verification. E. 同一客户 (同一身分证字号）于同一时间仅可择一透过连结因特网之计算机或智能型手机，登入使用本行提供之「信用卡网络服务」。
You (base on the same national ID could log in Credit Card Online Service or Mobile Banking Service at the same time. 2. 使用限制Limitation on use A. 初次或重新申请信用卡网络服务时，立约人需输入个人及信用卡重要数据供系统验证，若所输入数据经验证错误达三次，系统将自动锁定暂时停止其信用卡网络服务之申请；立约人需亲自来电客服办理「解除申请锁定」方可重新注册。
When applying for the Credit Card Online Services for the first time or reapplying, the Customer is required to enter important personal and credit card information for verification purposes. If the Customer enters incorrect information three times, the system will automatically lock the Customer out and suspend the application for the Credit Card Online Services. The applicant will then be required to telephone the customer service to remove the lockout status before he is able to reapply. B.为保护立约人权益，登入时如「使用者名称」或「使用者密码」累计输入错误达三次(分开计算，贵行计算机即自动停止使用本契约之服务。立约人如需恢复使用，应重新办理注册申请手续。(即于网页登入页面上点选「在线立即申请」
To protect the rights of our customers, three failed login attempts using an incorrect “username” or “password” (counted separately will result in the Bank’s computer automatically terminating the services specified herein. If the Customer wishes to restore the access, the Customer will be required to reapply for the services. (i.e. By clicking on “online application” on the webpage.
C.贵行对立约人输入身分证字号、使用者名称与使用者密码使用之各项信用卡网络服务及行动银行，均认定系立约人所为之有效指示，故同一时间内，系统只允许一人透过计算机或智能型手机登入信用卡网络服务。基于风险考虑，若同一时间有二人以上以同一身分证字号登入使用网络服务，贵行除将自动拒绝受理第一位以外使用者使用网络服务系统外，亦会将第一位使用者强制注销，并于五分钟内暂停此使用者登入之权利。
The Bank will always identify the Customers’ input of their Username, National ID numbers and the user’s password to use the Service as the Customers' valid instruction. Therefore, the online service system and Mobile Banking will be available to only one user at a time. In consideration of the risk, if more than two users use the Service under the same account at the same time, the Bank will automatically reject access to the online service system by any users other than the first user, and will also make the first user log out compulsorily and suspend this user's access to the system for the following five minutes. D.立约人透过计算机或智能型手机登入使用信用卡网络服务及行动银行，若忘记注销离开 贵行系统或超过五分钟未执行任何指令时，贵行会自动将立约人自系统注销，以避免为他人所使用。立约人必须重新透过计算机或智慧型手机登入，始可继续执行交易。
When using the Bank's Credit Card Online Service and Mobile Banking, if the Customers forget to log out from the Bank's system or fail to execute any command for more than five minutes, the Bank will have the customers log out from the system automatically to prevent other users from using. The Customers must re-login to the Bank's Credit Card Online Service system first and then may continue accessing the Service. E.如超过一年未成功登入，贵行将终止信用卡网络服务及行动银行，如拟恢复使用，立约人需重新申请。
If there has not been a successful login for more than a year, the Bank will terminate the access to the Credit Card Online Services and Mobile Banking. The Customer will be required to reapply to restore access. F.立约人对其身分证字号、使用者名称及使用者密码及其自身相关数据应负保密之责。 The Customers shall keep confidential their Username, National ID number, user’s password and personal information.
3.责任及义务Responsibilities and Obligations A.贵行认定凭正确身分验证数据申请贵行信用卡网络服务及行动银行之立约人均为立约人本人。
B.除因 贵行之故意或重大过失所致者外， 贵行对因计算机系统、电信线路故障或第三人之行为或疏漏所致之错误或延误，或对任何服务行为所生之直接、间接或其它损失均不负任何责任。
A. The Bank identifies the Customers who request the Bank's Credit Card Online Service and Mobile Banking based on the correct identification information as the Customers per se. B. The Bank will not be liable for any error or delay caused by the computer system, failure in telecommunication lines or any third party's activity, or direct, indirect or other loss arising from any service, unless the error, delay or loss is caused due to the Bank's intentional act or gross negligence. C.若因计算机系统暂停而无法办理或查询数据时，立约人可由其它方式如：24 小时电话客户服务人员、计算机语音查询等办理所需之服务。
D.立约人应利用其私人计算机、智能型手机使用本服务。立约人若因使用位于公共场所的计算机设备而造成数据外泄，以及因该项数据外泄而造成之损失， 贵行不负任何责任。惟 贵行同意提供必要之协助。
E.除另有约定外，所有对立约人之通知， 贵行得以书面或 贵行同意之其它方式为之，以立约人留存之最后申请异动或最后通知之通讯数据为送达之最后处所。且 贵行依该资料寄送后，经通常邮递期间，即视已依约对立约人送达。
C.If the Customers cannot process or search for any information due to interruption in the computer system, the Customers may request for the Services they need in other manners, e.g. 24-hour customer phone service representatives and interactive voice response systems. D. The Customers shall utilize their PCs and smart phone to access the Service. If the Customers utilize the computer equipment in any public place and thereby disclose their information, the Bank will not be liable for the disclosure and the loss incurred thereby, provided that the Bank agrees to provide necessary assistance. E. Unless otherwise agreed, all of the notices to the Customers hereunder shall be made in writing or in any other manners agreed by the Bank and shall be served to the latest address updated or notified by the Customers. Upon the Bank's service of the information to said address, the information shall be deemed served to the Customers as agreed after the normal mailing period has passed.
4.不可抗力Force majeure A.贵行于发生不可抗力情事时，对于本约定所生义务之不履行或迟延履行均不视为违约，亦无须负任何赔偿责任。
B.前项所称之不可抗力，指因天灾、罢工、停工、政府法令限制、或其它任何 贵行所不能控制之情事。
A. In the event of force majeure, the Bank's failure to perform or delay in performing with respect to the obligations set out herein shall not constitute its breach of the Agreement, nor shall the Bank be liable for the damages incurred there from. B. The force majeure referred to in the preceding paragraph includes natural calamity, strike, lockout, government act and legal restrictions and prohibitions or any other incidents beyond the Bank's control. 5.数据之提供及保密约定Supply of information and confidentiality agreement 贵行信用卡网络服务及行动银行查询网站上之所有相关业务数据包括文字图片等，专利权、商标、营业秘密、其他智能财产权、所有权或其它权利，均为 贵行所有。除事先经过贵行之合法授权外，均不得擅自重制、传输、改作、编辑、登载或以其它任何形式基于任何目的加以使用，否则应负所有法律责任。
The business information in relation to the Bank's Credit Card Online Service and Mobile Banking, including words, graphics, patents, trademarks, trade secrets, other intellectual property rights, titles or other rights, shall be vested in the Bank. Without the Bank's prior legitimate authorization, no person shall reproduce, transmit, adapt, compile, publish, or use such business information in any forms for any purposes. Violation of the foregoing will result in legal liability.

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