Epay User Agreement
This agreement will take effect on 22th, Aug, 2018. Welcome to use Epay! Please be sure to read this agreement carefully! This Agreement is a
contract between you and Epay Global Limited (also "Epay", "we") that restricts the use of all Epay services by users
(hereinafter also referred to as "you"). This agreement explains Epay's guidelines for providing services and confirms the rights and obligations of
users when using the service. When choosing whether to use Epay services, please be sure to read this agreement carefully and ensure that you understand
the relevant terms and conditions. By creating an Epay account and/or using Epay services, it means that you accept all the terms and conditions of
and Anti-Money Laundering Rules. . Epay may amend this Agreement at any time and the amendments will be made by posting a revised version on the
Epay website. The revised version will take effect when we publish on the Epay website. Epay provides a payment service. You are solely responsible
for understanding and complying with any and all laws, rules and regulations relating to the use of Epay Services in your jurisdiction. Once all
transactions are completed, they cannot be revoked or reversed, you must make trading decisions carefully. In certain transaction types, if a payment
received in your account is refunded or invalid due to other reasons, the payment may be revoked afterwards. This means that you provide goods or
services to your purchaser, the payment may be revoked from your account (refund). If (a) you violate this Agreement or any other agreement you have
with Epay, or (b) an incident of misappropriation, fraud, hacking, etc. that we believe may be harmful to Epay and the security of the user's account,
we may unilaterally stop, Suspend or limit your access to the account or Epay service and/or limit your use of funds.
Tips for you:
1. You understand that Epay is only used as a payment service. This website does not participate in any of your transactions.
Epay is not an issuer of any digital assets. It does not have any control over the products or services that use Epay to make payments,
so you should be cautious to judge the authenticity, legality and validity of the relevant digital assets and / or information, and bear
the responsibility and loss arising therefrom.
2. Any comments, messages, discussions, analysis, prices, recommendations and other information of Epay are general market commentary and do not
constitute investment advice. We do not assume any loss arising directly or indirectly from relying on this information, including but not limited
to any loss of profits.
3. The contents of Epay are subject to change without prior notice. We have taken reasonable measures to ensure the accuracy of the information on
the website, but we cannot guarantee the accuracy of the information. We will not bear any losses due to this website or the failure to link,loss
caused directly or indirectly by delays or failures in connection with the Internet, transmission or receipt of any notices and information.
4. There are also risks associated with trading systems using the Internet, including but not limited to software, hardware and Internet link failures.
Since Epay cannot control the reliability and availability of the Internet, Epay will not be held liable for distortion, delays and link failures.
5. https://www.epay.com is the only official external information publishing platform;
6. It is forbidden to use Epay to engage in all illegal trading activities or illegal acts such as money laundering, smuggling, commercial bribery, etc.
If any illegal transactions or illegal acts are found, the site will adopt various means, including but not limited to freezing accounts, notifications.
Epay does not assume all responsibility arising therefrom and reserves the right to pursue liability with the relevant parties.
7. It is forbidden to use Epay to conduct malicious manipulation of market, improper transactions and other unethical trading activities.
If such incidents are found, Epay will warn, restrict transactions, and shut down all unethical behaviors such as maliciously manipulated prices
and maliciously affected trading systems. Epay does not assume all the responsibility arising from the preventive protection measures such as the
suspension of accounts and reserves the right to pursue the responsibility of the relevant parties.
1. Services Of Epay
1.1 Epay offers payment services to users. At the same time, in order to help users use the payment service easily, Epay also provides a
series of auxiliary functions such as recharge, withdrawal and currency exchange.
1.2 While using the service of Epay, you should be aware of:
(i) Epay is not a bank;
(ii)The account of Epay is not protected by any government agency;
(iii) Epay is not regulated by the bank's corresponding
(iv) Your Epay account balance is not a deposit or investment, it does not generate interest or other income.
(v) If you have a balance, Epay will deposit your funds into a summary account separate from its company funds and will not use your funds f
or operating expenses or any other company expenses. In the event of bankruptcy, Epay will not provide your funds actively to its creditors.
(vi) For Epay on behalf of your funds, you promise to waive any interest generated by the funds.
1.3 Epay service providers include Epay Global Limited and its subsidiaries, affiliates and its service organizations.
1.4 User Classification: Epay users can be individuals or businesses.
(i) The System, shall mean the processing system with which Epay provides services to you, including the PC and mobile versions.
(ii) Types of User's Account。Member Account is the common account created by your register, you can login your Member Account via
your e-mail address or telephone number linked to it.
(iii)The fund account is the primary account used for the transaction, and the funds are the account balance.
(iv) Lucky Money is an instrument (in the form of a character string or URL) for sending money to others anonymously and easily.
The instruments could be propagated freely outside Epay. They are usually used for promotion or social purpose， and are divided into normal
Lucky Money and Social Lucky Money. The receivers of Lucky Money could collect them after login their Member Account.
(v) Password is a string composed by a series of intricate characters only known by the user himself for login or payment.
It is a mechanism of authentication agreed between you and Epay.
(vi) Fees are the service fees you paid to Epay for the using of Epay services.
(vii) Commission is the money you obtained from Epay when you recommend Epay to your friends.
1.6 Service type:
(i) Pay online, is to send money to someone else.
(ii) Receive money, is to obtain money from another user.
(iii) Lucky money, is to create or receive lucky money,
(v) Deposit, is to transfer funds from the outside of Epay into your Member Account.
(vi) Withdraw, is to transfer funds to the outside of Epay from your Member Account（bank or the other platform）.
(vii) Exchange, is convert one currency into another through Epay according to certain exchange rate.
1.7 Transaction Currencies, you can transact with USD, GBP, HKD，JPY and EUR 。Besides，cryptocurrencies like BTC、ETH、USDT、EOS、BCH、LTC、
XRP also are supported。
2. User Qualification and Identification
2.1 You must be an adult (above 18 years old, or the age of majority in your judicial district) or a company. You must fill in your account
your resident country or district correctly, and make sure that your judicial district permit relevant transactions.
2.2 You must be the actual beneficiary of the Account, having the rights, taking the responsibilities, and you should act on behalf of yourself
2.3 You must give your information correctly to Epay for the creation of your account and the use of Epay services. You authorize Epay to
do any necessary query (directly or through third parties) to verify your identity. These could include requiring more of your information
or documents, your ID number, requiring you to do something to verify your e-mail address or your ownership of financial instruments, requiring
to check your credit report or to compare with database supplied by third parties or other resources in order to verify your information.
You also consent to Epay obtaining your personal and/or business credit report from a credit reporting agency at account opening, and whenever
we reasonably believe there may be an increased level of risk associated with your account.
2.4 If your ID card expires, you should change your identity information in time or we could require you to renew your ID information or d
ocuments when they expire.
2.5 You could apply to be our cooperative merchant or exchanger after getting through our due diligence. The merchant and exchanger will
be displayed on our website. Exchanger could also collect comments from other users.
2.6 Closing an Account
Epay will not close any account according to our own wish.
You can apply to close your Member Account, it is unable to be recovered once the account is closed. You must act with prudence.
All the transaction data will be cleared when the account is closed, and you are the one to be responsible for all transactions you did.
You must withdraw all the money in your account before closing it, or you have to declare waiving by express.
3. Contact Information
3.1 You could use an e-mail address or the number of your mobile phone to sign up a Member Account. You will need to enroll an e-mail address
at your first logging-in if you sign up with a mobile phone number. Besides, the e-mail address is the major approach with which Epay will
contact you. The e-mail address will not able to be altered after enrolling, you have to make a deliberate choice on which one to be used.
3.2 You are responsible for your contact information to be correct and effective, so that Epay could get to you without unnecessary limitation.
You understand and agree that if your failure to receive the electronic information sent by Epay is caused by the incorrect or expired e-mail
address or the prevention of your e-mail service provider, or other reason of your own, it should be deemed as that Epay has sent them
successfully and effectively. Please note, if you set a Spam Filter to prevent or transmit e-mails from senders who are not in your contact list,
you must add Epay into your contact list.
4. Specific Rules
You acknowledge, we are not responsible for and have no power to control the goods or services paid via Epay. We don't guarantee that the
buyer or seller with whom you transact will finish the transaction. You have to solve by yourself the potential or existing disputes
with your counterparty, Epay as a payment service provider is not involved with those disputes.
4.1 Pay Online
4.1.1 You could use Epay Pay Online to purchase goods or services, or to send money to your families or friends. The transaction will be finished
and irreversible when the money is received by the payee.
4.1.2 By selecting Epay as the payment method on the merchants' website, you could do the payment with your Epay Account. And you can transfer
funds to a third party by logging-in your Epay Account directly.
4.1.3 Specific rules for payment using Epay account
(i) If payee already has an Epay account, the funds will arrive at payee's Epay account when you submit the payment, and the transaction
will not be revoked once completed.
(ii) If payee has no Epay account, you could send money to his e-mail address. He could accept or reject your payment after account opening with the e-mail address, you could cancel the payment before he makes the choice and the funds will be returned back to your account.
(iii) You can create a payment to one or more payees at once .
(iv) It will deduct your Epay balance when you use Epay Pay Online service.
4.2 Receive Money
4.2.1 You could use Epay services to collect funds for goods and services, or to accept money from your families or friends.
4.2.2 The payments will reach your account when they are submitted after your opening of the account. If some payments are sent to you before the account opening, you as a payee could choose to accept or reject it.
4.2.3 The System will open a sub-account of the currency automatically for you at the same time of your receiving if you don't have that currency before.
4.3 Lucky Money
4.3.1 Normal Lucky Money
(i) Normal Lucky Money exists in the form of a string of characters, which is used to activate the money. You could create a normal Lucky Money and send the string to anybody. They could activate the normal Lucky Money and receive the money by entering the string in the designated field of their Member Accounts. You and the receiver each are not able to know the other.
(ii) To create and send a normal Lucky Money
While creating a normal Lucky Money, you could set the amount, currency, number, allocation model ("random amount" or "fixed amount") and the deadline to activate it. The total amount and Fees will be deducted from your Epay balance when it is created. The funds of the Lucky Moneys that haven't been activated will be returned to your account after the deadline.
You could distribute the normal Lucky Money string via community forums, e-mails and short massages to anyone you like, and you could transmit it when you receive one.
(iii) To receive a normal Lucky Money
You could activate a normal Lucky Money and receive the money in it by entering the string of characters in the designated field of your Member Account before the deadline, then the money will be added into your Account Balance. The number of Lucky Money is limited and you should activate them as soon as you receive the string. One normal Lucky Money is able to be activated only once by one Member Account.
4.3.2 Social Lucky Money
(i) Social Lucky Money exists in the form of a web link, it will help you to get new customers and enliven your website. You could create a Social Lucky Money and paste the web link to anywhere you like as your own website or community forums for promotion. Others could browse your business when they submit to receive the Lucky Money. The receiver is anonymous to you.
(ii) To create and send a Social Lucky Money
While creating a Social Lucky Money, you could set the amount, currency, number, allocation model ("random amount" or "fixed amount") and the deadline to activate it, and you could put some descriptions of your business. The total amount and Fees will be debited to your Balance Account when it is created. The funds of the Lucky Moneys that haven't been activated will be returned to your account after the deadline.
(iii) To receive a Social Lucky Money
You could activate a Social Lucky Money and receive the money in it by clicking the web link after logging in your Member Account before the deadline, then the money will be added into your Account Balance. They are limited and you should activate them as soon as you receive the web link. One Social Lucky Money is able to be activated only once by one Member Account. If you haven't a Member Account yet, you need to open one first.
To use Epay services, you could deposit money in your Member Account through our partner channels.
4.4.1 At present, Epay's recharge cooperation channels include remittance, electronic money platform, and cryptocurrency. For different channels of cooperation, you may be required to pay different channel service fees and Epay fees.
4.4.2 When using the international wire transfer method to deposit, you need to fill in the bank account information of your remittance and go to the bank for remittance operation when you place the order. Please ensure that the bank account information filled in is consistent with the bank account actually remitted, otherwise Epay may rejecte your deposit request.
4.4.3 When using the remittance method to deposit, if you do not want to deposit after you create the recharge order, you can not do the actual remittance. If you regret after the remittance, you can withdraw the cash after the replenishment order is completed.
You could withdrawal Epay balance through our partner channels
4.5.1 Our partner channels include remittance merchants and some internet payment systems. You may have to pay different fees to the service providers and Epay when you choose different withdrawal methods.
4.5.2 When you submit the withdrawal order, the cash withdrawal amount and related fees will be deducted from your Epay balance. Please check the bank account information for withdrawal carefully, if a processing failure is caused by your incorrect bank account information, the amount of withdrawal will be returned to your Account Balance, but you will have to be responsible for the fees charged by the merchants and Epay. If the funds are sent to the wrong person because of your incorrect bank account information, you will have to be responsible for the loss.
4.6 Currency Exchange
In order to make sure the convenience of your payment, Epay will offer you a currency exchange service. The rate for exchange is based on the
exchange rate instantly published by the market, please focus on the change situation of the exchange rate, once you submit the request for currency exchange, it means that you have agreed with the exchange according to the rate we offer.
4.7 About the API
The API provided by Epay include the interface for payment、receivable、check of the balance and check of the transaction record ，you can download related interfaces on the website of Epay （https://www.epay.com/cn/apis.htm）for using them in your website or other applications.
4.8 The compensation for arrears
4.8.1 If you are in default on the fund of Epay and its attached companies, Epay has qualification to deduct the money on your account for any fund you defaulted.
4.8.2 If the balance of your account is negative, Epay has qualification to deduct the money you save or receive for compensating the debt.
4.8.3 If you have more than one type of currency in your account, and one of the them become negative because of some kind of reasons, Epay has qualification to use another type of currency in your account to compensate the debt.
4.8.4 If you establish several accounts, Epay has qualification to deduct the money in one of them to compensate the negative account.
4.8.5 When Epay offsets the negative balance according to the rules, another order of deduction will be produced at the same time.
5. The limitation for transaction
In order to protect the safety of users' accounts and control the risk probably existing in law and credit, Epay might monitor your manners of
transaction, and set up limitation of amount、times and frequency for transaction. You have obligation to know and agree the supervision and
limitation set up by Epay. If the situation happens like:
(a) Betray this agreement or other agreements between you and Epay or
(b) Theft, frauds, hacker attack and other events we considered that possibly is harmful to Epay and the safety of users,
we are able to stop, pause and limit your visit to your account and Epay including use of the money. If you agree, Epay can set up any
necessary limitation for your account without any notice. Under such a situation, Epay would not assume any responsibility for compensation.
6. Recommending Awards
By recommending the Epay service to your friends, you can get a referral reward from Epay. Each Epay account has a referral ID. If your
friend fills in your referral ID when registering for an Epay regular member account, you have completed the recommendation. You can get a
certain percentage of the reward for the handling fee incurred by him and his directly recommended Epay general membership account transaction.
The bonus will be paid to your account balance directly. To make it easier for your friends to sign up, you can also send a referral link
from your account to them.
7. Our Cooperation Channels
7.1 Deposit Channel
At present, Epay supports recharge methods including remittance, electronic currency and crypto currency. Supported remittance deposit
channels are international wire transfers; supported electronic money deposit channels include Perfect Money, Fasapay, Payeer and AdvCash;
supported crypto currency deposit methods include BTC, ETH, USDT, EOS, BCH, LTC and XRP.
7.2 Withdrawal Channel
At present, Epay supports withdrawal methods including remittance, electronic currency and crypto currency. Supported remittance
withdrawal channels are international wire transfers; supported electronic money withdrawal channels include Perfect Money, Fasapay,
Payeer and AdvCash; supported crypto currency withdrawal methods include BTC, ETH, USDT, EOS, BCH, LTC and XRP.
8. User information and security
8.1 How we use your information
Epay's primary purpose in collecting user information is to provide you with a safe, fluid, efficient, and personalized experience.
We may use your personal information for the following purposes: a. Provide Epay services and customer services, process transactions and
send you transaction notifications; b. Verify your identity, including verification during account creation and password reset; c. Resolve
disputes, collect fees and resolve difficult issues; d. Manage risks, detect, prevent and/or repair fraud or other potentially prohibited or
illegal activities; e. Detect, prevent or correct violations of policies or user agreements; f. Improve Epay services by personalizing your
user experience, evaluate Epay service performance and improve its content and layout; g. Manage and protect our information technology
infrastructure; h. Provide targeted marketing and advertising, provide Service update notifications and offer promotional offers based on
your communication preferences.
8.2 Information storage
Wherever our company locates in all over the world, our computers will save and process your personal information. We protect your
information by physical, technical and administrative arrangements, to lower the risks of lost, misuse, unauthorized access, disclosure and
change as Firewalls, Data Encryption, physical controls on the access to Data Center and authorization controls on information access.
8.3 Essential sharing of information
8.3.1 Epay may disclose your information essential to the transactions such as your name, account number, contact details, address for
shipping or billing and other information that will help to upgrade the level of security and reliability of the transactions. If a
transaction is blocked, broken down or judged to be invalid, we will provide information on the failure. In order to assist the dispute
resolution, we will give the seller's address to the buyer, so that the buyer could return the goods.
8.3.2 The receiver of your information must not use it in anything irrelevant to the transaction such as direct merchandising without your
prior agreement. Sending unnecessary or threatening e-mails to customers will be considered as violation to our policies and user agreements.
8.3.3 Epay will not sell or release your personal information to third parties for their promotional targets without your expressed consent.
8.4 You are responsible for protecting your account information from being inappropriately disclosed to others.
8.5 You are responsible for protecting your passwords. You acknowledge, Epay is irresponsible for the indemnity for the loss caused by
passwords lost or misuse. You should neither release your passwords to anyone else, nor use the passwords owned by others. We consider any
logging-in users' accounts to be the act of the owners themselves. If you let anyone to use your passwords, we deem it to be the acts of
8.6 Information collection
The data collected by Epay is under the situation that clients have agreed and learned about it,all of the data are collected on the
purpose of offering better service to clients and all of the data is related to the service of Epay.
9.1 In connection with your use of our websites, your Epay accounts, the Epay services, or in the course of your interactions with Epay, other Epay customers, or third parties, you will not:
a. Breach this user agreement, the Epay Acceptable Use Policy, any other agreement between you and Epay, or violate any Epay policy.
b. Violate any law, statute, ordinance, or regulation.
c. Infringe Epay's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.
d. Sell counterfeit goods.
e. Act in a manner that is defamatory, trade libelous, threatening or harassing.
f. Provide false, inaccurate or misleading information.
g. Send or receive what we reasonably believe to be potentially fraudulent funds.
h. Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us.
i. Attempt to double dip during the course of a dispute by receiving or attempting to receive funds from both Epay and the seller, bank or card issuer for the same transaction.
j. Control an account that is linked to another account that has engaged in any of these restricted activities.
k. Conduct your business or use the Epay services in a manner that results in or may result in complaints, requests by buyers (either filed with us or card issuers) to invalidate payments made to you, fees, fines, penalties or other liability or losses to Epay, other Epay customers, third parties or you.
l. Credit reporting agencies showing in their risk assessments that your use of Epay services might be of high risk.
m. Use your Epay account or the Epay services in a manner that Epay or any other electronic funds transfer network reasonably believes to be an abuse of the network rules.
n. Allow your Epay account to have a negative Epay balance.
o. Disclose or spread users' information to third parties, or use it for promotion, without their expressed consent.
p. Send spam mails to users, or use Epay services to receive payments for sending or assisting to send spam mails to third parties.
q. Take any action that imposes an unreasonable or disproportionately large load on our infrastructure;
r. Facilitate any viruses, Trojan horses, malware, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information;
s. Use an anonym zing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission;
t. Use any device, software or routine to bypass our robot exclusion headers, or interfere or attempt to interfere with our websites or the Epay services.
u. Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers.
v. Abuse (as a buyer or a seller) any of our dispute resolution procedure, or our user right.
9.2 You are responsible for the complaints, requests by buyers to invalidate payments made to you, fees, fines, penalties or other liability or losses resulted by your violation of this user agreement and (or) your use of Epay services. You consent to indemnities for any and (or) all of such liabilities and losses to Epay, other Epay customers, or third parties.
9.3 Our available actions:
If Epay believes that you've engaged in any of these activities, we may take a number of actions to protect Epay, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following:
a. Terminate this user agreement and/or close or suspend your Epay account,
b. Refuse to provide the Epay services to you in the future.
c. Limit your access to our websites, your Epay account or the Epay services, including limiting your ability to pay or send money with any of the payment methods linked to your Epay account or restricting your ability to send money or make withdrawals.
10. Intellectual Property
10.1 “Epay.com” “Epay” and all logos related to the Epay services are either trademarks or registered trademarks of Epay or Epay’s licensors. You are not allow to copy, imitate, modify or use them without Epay’s prior written consent.
10.2 All page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade3 dress of Epay. You are not allow to copy, imitate, modify or use them without prior written consent.
10.3 You may use HTML logos provided by Epay for the purpose of directing web traffic to the Epay services. You are not allow to alter, modify or change these HTML logos in any way, and use them in a manner that is disparaging to EPay or the Epay services or display them in any manner that implies Epay’s sponsorship or endorsement.
10.4 If you are using Epay software such an API or other software application that you have downloaded, Epay grants you a revocable, non-exclusive, non-sub licensable, non-transferable, royalty-free limited license to use Epay’s software in With the documentation of the software and all updates, upgrades, new versions and replacement software. You are not allow to rent, lease or otherwise transfer you rights in the software to the third party.
10.5 You must comply with the implementation and use requirements contained in all Epay documentation accompanying the Epay services. If you do not comply with Epay’s implementation and use requirements, you will be liable for all resulting damages suffered by you, Epay and the third parties. You agree that not to alter reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code that is derived from the software. You have acknowledge that all rights, titles and interests to Epay software are owned by Epay. Any third party software application you use on the Epay websites is subject to thelicense you agreed to with the third party that provides you with this software. Does not own, control nor have any responsibility or liability for any third party software application you elect to use on the Epay websites and\or in connection with the Epay services.
11. Argument Solution
11.1 If a dispute arises between you and Epay, We will learn about and address your concerns and. If we are not able to do so as your satisfaction, we would provide you with a neutral and cost effective means of resolving the dispute quickly. Disputes between you and Epay regarding the Epay services may be reported to customer service online through the Epay website (https://www.epay.com/en/contact.htm) at any time, or by calling (86)755-22248886-805 from Mon-Fri 9:00 AM to 6:00 PM Hong Kong time.
11.2 You agree that any and all disputes or claims that all arise between you and Epay, shall be resolved exclusively through final and binding arbitration, rather than in court. This agreement to arbitrate is intended to be broadly interpreted. You and Epay agree that each of us may bring claims against the other to Hong Kong International Arbitration Center, and any arbitration of Arbitration institution could be executed by any court having corresponding judicial jurisdiction.
12. Bankruptcy Procedure
If any proceeding by or against you is commenced under any provision of bankruptcy or insolvency law, we’ll be entitled to recover all reasonable costs or expenses (Including reasonable attorneys’ fees and expenses) incurred in connection with the enforcement of this user agreement
13. Epay Liability Exemption
13.1 Epay only provides you with payment and related services. In any case, Epay is an independent service provider, not your agent or branch/affiliate. You understand and agree that under no circumstances will Epay be liable for the followings:
13.1.1 Income loss;
13.1.2 Trading profit or contract loss;
13.1.3 Business interruption
13.1.4 Loss of currency expected to be saved;
13.1.5 Information loss;
13.1.6 Loss of opportunity, goodwill or reputation;
13.1.7 Damage or loss of data;
13.1.8 The cost of purchasing an alternative product or service;
13.1.9 Any indirect, special or incidental loss or damage arised from infringement (including negligence), breach of contract or any other reasons, no matter whether such loss or damage can be reasonably foreseen or we have been informed in advance that there is a possibility of such loss or damage.
13.2 If you have a dispute with one or more users, you agree that Epay and its affiliates (and their officers, directors, customer service representatives, joint ventures, employees and suppliers) are exempt from such disputes in any form or any and all (actual and indirect) compensation claims, claims and damages associated with it, regardless of its type and nature.
13.3 Digital currency trading is extremely risky and you have fully understood and know that this investment may result in partial or total loss, so you should carefully consider and base on your clear judgment to assess your financial situation and the above risks before trading in the digital currency. Epay does not assume any responsibility for the decision and for all losses incurred.
13.4 Epay has an independent and advanced program processing system, but you must know that any system must have a response time to send and receive request, during which time Epay is exempt from liability.
13.5 Due to information network equipment maintenance, information network connection failure, computer, communication or other system failure, power failure, weather, accident, strike, labor dispute, riot, uprising, riot, productivity or lack of production materials, fire , floods, storms, explosions, wars, bank or other partner reasons, digital asset market collapse, government actions, judicial or administrative orders, other actions that are not within Epay's controllable scope, or third parties that Epay does not assume any responsibility for the inability to service or delay the service but cause your loss.
13.6 Epay cannot guarantee that all information, programs and texts etc. contained in this website are completely safe and free from any malicious programs such as viruses and Trojans, so you may log in, using any service on this website or download and use any program downloaded from this website, information and data etc., are your personal decisions and bear the risks and possible losses.
13.7 Epay does not make any guarantees or promises to any information, products and services of any third-party websites linked to this website and any other forms of content that are not subject to Epay. If you use any services or information provided by third-party websites, the products are all determined by you and assume all responsibility arising therefrom.
13.8. You understand and agree that we are not liable for any damages resulting from any of the followings:
13.8.1 We have reasonable proofs to believe that there may be material breaches or defaults in your specific transaction.
13.8.2 We have reasonable proofs to believe that your actions on this website are suspected of being illegal or improper.
13.8.3 Fees and losses arising from the purchase or acquisition of any data, information, transactions, or alternative actions through the services of this website.
13.8.4 Your misunderstanding of the services of this website.
13.8.5 Any other loss related to the services provided on this website that are not caused by Epay.
13.9 Epay does not waive any rights not covered in this Agreement to limit, waive or offset Epay's fullest liability of law for damages.
13.10 Upon your registration, you acknowledge that Epay will perform any operations in accordance with the rules set forth in this Agreement and that any risks arising therefrom shall be borne by you.
14. The End Of The Agreement
14.1 Epay has authority to cancel your account according to this agreement, the agreement will end on the day your account get canceled.
14.2 Epay has authority to end the service of the website according to this agreement, the agreement will end on the day all of the service of our website canceled.
14.3 After the agreement ends, you have no right to ask our website to continue to offer any service or other obligation, including but not limited to any information our website kept for you or exposed to you originally, and the message unsent or unread we delivered to you or the third party.
14.4 The end of the agreement doesn’t affect the responsibilities that non-breaching party asks the delinquent party to take.
1. How do we collect information from you
In accordance with relevant laws and regulations and national standards, we may collect and use your personal information in accordance with the law without the consent of you:
(1)directly related to national security and national defense security;
(2)Directly related to public safety, public health, and major public interests;
(3)Directly related to criminal investigation, prosecution, trial and execution of judgments;
(4)It is difficult to obtain your own consent to protect your or other people’s life, property and other important legal rights;
(5)The personal information collected is disclosed to the public by yourself;
(6)Collect personal information from legally publicly disclosed information, such as legal news reports, government information disclosure, etc.;
(7)Required to sign and perform the contract according to your requirements;
(8)Required to maintain the safe and stable operation of the services provided, such as the failure to discover or dispose of products or services;
(9)Other circumstances as stipulated by laws and regulations.
3. How we protect and store personal information
In this rule, we use the term "user information" to describe information that can be associated with a particular individual and that can be used to identify that person. We believe that personal information does not include anonymous information cannot be used to identify a particular user. We store and process your personal information on our computers in the world where our facilities are located. We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls. At the same time, we formulate a personal information security incident emergency plan, and regularly organize relevant internal personnel to carry out emergency corresponding training and drills to master the procedures of job responsibilities and emergency response strategies. In addition to our efforts to ensure the security of your personal data storage and processing, you should not disclose your login password or account information to anyone to protect your personal data. Whenever you log in to our website, especially when you use someone else's computer or a public internet terminal, please remember to click and quit after the operation. Your efforts and assistance are absolutely helpful for us to protect your personal information.
4. How we use the personal information we collect
Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We may use your personal information to:
Provide Epay Services and customer support,
Process transactions and send notices about your transactions,
Resolve disputes, collection fees, and troubleshoot problems,
Prevent potentially prohibited or illegal activities, and enforce our User Agreement,
Customize, measure, and improve Epay Services and the content, layout, and operation of our websites and applications,
Contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging, as authorized by our User Agreement,
Compare information for accuracy and verify it with third parties.
We will not sell or rent your personal information to third parties for the marketing purposes of third parties without your explicit consent. We may combine your information with information we collect from other companies and use it to improve and personalize Epay Services, content and advertising. If you do not wish to receive marketing communications from us or participate in our ad-customization programs, after indicating your preference by logging into your account and going to the Notification section under the Settings tab and updating your preferences, or by following the directions that May be provided within the communication or advertisement.
6、How we share personal information with other Epay users
In order to process your payment, we may share some of your personal information with the person or company you are paying or paying for. We will provide your contact information, date of registration, number of payments you receive from certified Epay users, and information on whether your control of your bank account has been certified to other Epay users who have traded with you through Epay. Additionally, this information and other information may also be shared with third parties when you access the Epay service through a third party. Without your consent, we do not allow these third parties to use this information for any other purpose other than to enable the Epay service. If someone pays you and enters your email address, we will provide them with your registered name so they can confirm that they will transfer the money to the correct account. We work with third parties (including merchants) to make payments or collect payments with Epay. In the process, if a third party needs to notify you that a payment has been sent, or when you attempt to make a payment to a merchant or third party, a third party may share your information with us, such as your email address or mobile number. We can use this information to confirm your Epay customer status and to enable Epay to make payments, or to send you payment status notifications. Under any circumstances, unless we have your express authorization, or credit card rules, subpoenas or other legal procedures require us to do so, we will never offer to anyone your credit card number or bank account number.
7. How we share personal information with other parties
We may share your user information with:
A service provider that has a contractual relationship with us to assist us in business operations such as fraud prevention, collection, marketing, and technical services. Our contract stipulates that these service providers may only use your information to provide services to us, and not use your information for their own benefit.
Credit bureaus and collection agents report account information as permitted by law. When law enforcement agencies, government officials, or other third parties require us to disclose information based on subpoenas, court orders, or other legal procedures or requirements applicable to Epay or one of its subsidiaries; When legal or credit card rules require us to disclose information; When we determine for ourselves that it is necessary to disclose user information to prevent personal injury or economic loss, or when it is necessary to report suspected illegal activities or investigate violations of user agreements.
Other third parties, provided that you agree or require this. Please note that these third parties may be located in other countries where the laws governing user information are not as strict as your country or region. Epay will not sell or rent any of your personal information to third parties for marketing purposes, and will only share your personal information with third parties in accordance with the provisions of this policy. If you open an Epay account directly on a third-party website or through a third-party application, any information you enter on that website or application (rather than directly on the Epay website) will be shared with the owner of the third-party website or application. These sites are subject to their own privacy protection rules, so it is recommended that you review their privacy protection rules before providing them with personal information. Epay is not responsible for the content or information specifications of such third parties.
8. How to access or change your user information
You can view and modify or delete your personal information at any time by logging into your account and viewing your account settings and user information. You are responsible for the authenticity of the information you have filled out. You can also cancel your account through the Epay website. If you cancel your Epay account, we will mark your account as "deregistered" in the database but may still retain personal information in your account to resolve disputes, to resolve issues, to assist with any investigation, to avoid fraud, to implement our user agreement or to take other measures required or permitted by law. The personal information you delete will not appear in your personal account, but this information will remain on the Epay data storage platform to resolve disputes, to eliminate problems, to assist in any investigation, to avoid fraud, and to implement our user agreement or to take other measures required or permitted by law.
9. How to contact us about privacy questions
If you have any questions or concerns about this policy, please contact us.
Epay Acceptable Use Policy
You are independently responsible for complying with all applicable laws in all of your actions related to your use of Epay's services,
regardless of the purpose of the use. In addition,you must adhere to the terms of this Acceptable Use Policy.
You may not use the Epay service for activities that:
violate any laws,statutes,ordinances or regulations.
relate to transactions involving
(1) narcotics,steroids,certain controlled substances or other products that present a risk to consumer safety,
(2) drug paraphernalia,
(3) items that encourage,promote,facilitate or instruct others to engage in illegal activity,
(4) stolen goods including digital and virtual goods
(5) items that promote hate,violence,racial intolerance,or the financial exploitation of a crime,
(6) items that are considered obscene,
(7) items that infringe or violate any copyright,trademark,right of publicity or privacy or any other proprietary right under the laws of any jurisdiction,
(8) certain sexually oriented materials or services,
(9)ammunition,firearms,or certain firearm parts or accessories,or certain weapons or knives regulated under applicable law.
relate to transactions that:
(1) show the personal information of third parties in violation of applicable law,
(2) support pyramid or ponzi schemes,matrix programs,other "get rich quick" schemes or certain multi-level marketing programs, involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent. Violate applicable laws or industry regulations regarding the sale of (a) tobacco products,or (b) prescription drugs and devices.Involve gambling,gaming and/or any other activity with an entry fee and a prize,including but not limited to casino games,sports betting,horse or greyhound racing,lottery tickets,other ventures that facilitate gambling,games of skill (whether or not it is legally defined as a lottery) and sweepstakes unless the operator has obtained prior approval from Epay and the operator and customers are located exclusively in jurisdictions where such activities are permitted by law.
Transactions on Epay
Users access the account is fully representative of his account and he is responsible for all transactions conducted in the system.
All transactions are irreversible and irrevocable. After the completion of the transaction,in addition to the court may revoke the transaction,
the customer has no right to set aside any transaction. For customers due to system failures,operator negligence,unauthorized access,theft,acts of God,
any special,indirect,with third parties (such as Exchangers) behavior or lack of financial losses suffered,Epay company will not assume responsibility
and incidental or consequential damages.
To learn more about the Acceptable Use Policy,please refer to our Help Center.
Violations of the Acceptable Use Policy
We encourage you to report violations of this Acceptable Use Policy to Epay immediately. If you have a question about whether a type of
transaction may violate the Acceptable Use Policy,you can email Epay's AUP Compliance Department at: firstname.lastname@example.org.
Disclaimer of Warranty
The exchangers are Epay-authorized companies, providing offline withdrawal and deposit services in local area.
Although we aim to vet each of our business partners,please note the businesses listed on this page are independent and in no way affiliated to
Epay. The verification system does not constitute an endorsement of a member or a guarantee of a members business practices.
You should always consider other indicators when evaluating members,including length of Epay membership,status and reputation score.
Note that Epay e-currency is non-refundable and we are not liable for any monetary loss due to online transfer.
Money Laundering Prevention
Money laundering consists of using different instruments of money flow to convert illegally obtained funds to legally appearing funds making
it appear as if it came from a legitimate source. Most countries and regions have a strict anti money laundering policy,including China,
Hong Kong,where is Epay registered.
Epay is against all types of money laundering and does not take part in any activity evolving with these trades.
Epay,its staff and representatives view money laundering as a very serious attack against moral and ethics values and are thus willing to
collaborate against these activities by verifying the identity of account holders and exchangers to investigate suspicious activities,which will be
reported to the legal authorities in charge upon confirmation of such activities.
All transactions and identification records are kept in our system for a minimum of ten years and our staff is constantly trained to look for
suspicious activities in relation to any Epay account and also how to proceed under such circumstances.
Epay reinforces its policy against money laundering and is willing to help the local and international legal authorities in fighting criminal activity.
Epay will not deal with anyone directly or indirectly involved in any type of criminal activity,including money laundering.
Epay may terminate an account or service provided without prior notice if an account holder does not follow terms and guidelines and reserves
the right to refuse transactions at anytime,if Epay staff suspects of fraudulent funds,including but not limited to money laundering or law violations.
Epay will not only strictly follow the above to against any Money Laundering Prevention, but also strictly does requests our customers to
follow up with below action.
What am I asked to do?
You may find that you are requested to confirm your identity and provide some personal details. Epay has put in place a dedicated system
of identity verification which ensures the safety and security of both your Epay account and the entire payment system. Besides,
your transaction volume limit is directly dependent upon the extent to which your identity has been verified.
You could be asked to confirm your identity whether you are applying to be a new customer or have been a customer for some time.
While our identity verification systems are designed to minimise any inconvenience for you,the verification process may take several days
to be completed.
Crime and terrorism need money. Criminals turn the "dirty" cash made from drug trafficking,smuggling,and robbery into clean money by using false
identities or taking the names of innocent people like you. Making sure that people who say they are essential in the fight against crime and
terrorism,which does not mean in any way that suspicion is falling on you. Any information about your identity is held confidentially and will
help to stop your identity being used falsely.
Who is involved?
Government and all organizations involved in financial services. All are united in their determination to stop the spread of financial crime as part of the international effort to crack down on financial crime,protecting us all against crime and terrorism.
Your co-operation is vital to the successful fight against crime and terrorism.
What the law requires:
We may be required to verify your identity and address.
We are required to keep full records of all transactions together with identification provided.
We are required to monitor any unusual or suspicious transactions of any size.
Money Laundering Prevention
Disclaimer of Warranty
Exchange Partners are various companies who specialize in performing electronic currency exchanges as well as local offline withdrawal
and even bank/money transfers services.
Despite the fact that we try to check each of our business partners, please note that businesses listed on this page are
independent and in no way related to Epay. The verification system does not constitute an endorsement of a member or a guarantee of a
members business practices. You should always consider other indicators when evaluating members, including length of Epay membership, status
and reputation scores. Epay’s e-currency is non-refundable and we are not liable for the money loss that can occur while making payments online.
Merchant Acceptance Policy
Epay Payment System allows merchants to accept Epay e-currency as well as supported payment methods for online businesses.
Supported payment methods may additionally impose specific requirements and restrictions on the business type as well as merchant acceptance.
The following requirements are mentioned on the relevant pages of the payment method activation.
2. Limitation of Liabilities
You acknowledge that Epay is solely providing a payment service and that some limitation of liability on Epay Companys part is reasonable
and customary in an Agreement such as this. Accordingly, you agree that Epay shall not be liable for:
Any validation provided by Epay not being acted upon by a Participating Merchant for any reason.
Any delay or failure to carry out Epay Company’s obligations under this Agreement arising from maintenance or upgrade of the system,
or failure of the system or other event beyond our reasonable control.
Any loss or damage (including direct, indirect or consequential loss or damage or loss of profits, business, revenue or opportunity) arising
from any delay or failure to carry out Epay Companys obligations under this Agreement.
3. Termination and Indemnity
We may block or terminate the account and the contract with any client immediately if we suspect any fraud or misuse of an Epay payment.
If we have other security concerns or we need to do so to comply with the law. The remaining account balance may be used as a compensation
for the losses due to damage to the image and reputation of the company. This comes into effect when it is suspected that Epay Policies and
requirements have been violated both intentionally or unintentionally.
You hereby indemnify and agree at all times to hold Epay unaccountable from and against all losses, demands, claims, damages, expenses
(including reasonable legal costs) and liabilities arising from any third party claim resulting from your use or misuse of the Epay payment system,
or for harm suffered directly or indirectly by Epay as a result of your breach or non-observance of your obligations under this Agreement.
Merchant Acceptance Policy
4. Requirements for Merchant Approval
The Epay Service will not approve a merchant if:
The website or activity undertaken will be deemed oriented to any sensitive and negative subjects listed in the “Restricted Business Categories”
The merchant has not provided all the information required for KYC (Know Your Customer) purposes to the complete satisfaction of Epay.
All rights, licenses, permits and authorizations necessary to enable the merchant to operate the business and comply with all relevant laws and
regulations are not obtained. For gambling merchants this will include a valid gambling license issued by a recognized authority. All companies
will need to submit a copy of the Company registration documents (Certificate of Incorporation) and Company Statutes (Memorandum & Article of
Association) as a minimum.
There is significant derogatory background information about the merchant and/or any person, body or organization associated directly or indirectly
with the merchant. This will include directors, employees, partners, principals and shareholders. Epay has the right to request any information in
this regard from the appropriate sources including using credit reports, trade and bank references, criminal records, PEP, OFAC and other sanction
databases, personal and business financial statements and tax returns.
A valid URL address is not linked to a working website or will not exist prior to the merchant being activated. The URL must link directly to
web pages that contain information about the merchant’s service or products. Links that redirect through or to domains other than the one
specified in the Epay merchant account settings will not be accepted.
Epay is not given full and unfettered access to the merchant’s web site at any time as reasonably determined by Epay.
In the sole opinion of Epay, false, confusing or misleading statements are made directly or indirectly by the merchant or if there is a
failure to disclose a material fact about their programs, products or services, or any aspect there of.
The procedures and controls required by Epay, including Anti-Money-Laundering and Anti-Terrorist Funding controls, are not implemented.
5. Monitoring and Compliance
The Epay Security Department will, on an ad hoc basis, review live merchants to monitor compliance with the above guidelines.
Epay will suspend or terminate a non-complying merchant, subject to the terms of the merchant’s contract.
A Merchant must not be involved or associated with any activities or materials which may infringe, dilute, denigrate, or impair the goodwill
and/or reputation of the Epay brand.
Merchant Acceptance Policy
6. Restricted Business Categories
Epay will not under any circumstances knowingly approve Merchants associated directly or indirectly with the following products or services:
Terrorism, Racism and Violence: products and associated websites which in any way promote violence or advocate violence against a target group.
A target group is distinguished by its race or ethnic origin, color, national origin, religion, disability, sex, age, veteran status or sexual
Body parts: promotion, sale or dealings of nature in body parts or human remains or the non-consensual mutilation of a person or body part.
Copyright unlocking devices: modchips or other devices designed to circumvent copyright protection.
Abusing copyright or counterfeit goods: All products and services presented by merchants must respect copyright and trademark law. Unauthorized or "bootleg"
copies of media, software, or other licensed or protected material will not be acceptable. In addition products that are replicas or imitations of designer
goods without the appropriate announcement; products without a celebrity endorsement that would normally require such an association, fake autographs, counterfeit
stamps, and other potentially unauthorized goods will also fall into this category.
Drugs, drug paraphernalia, and drug test circumvention aids: promotion of illegal drugs and drug accessories, including herbal drugs such as salvia and magic
mushrooms and drug test circumvention aids and products such as drug cleansing shakes and urine test additives, tobacco products and alcohol.
Illegal goods and services: materials, products, or information promoting illegal goods or enabling illegal acts e.g. illegal knives or other illegal weapons.
Other examples included in this category are manuals, how-to guides, information or equipment enabling illegal access to software, servers, websites, or other
protected property and products that descramble cable and satellite signals in order to obtain free service.
False representation: fake IDs, passports, diplomas, and titles of nobility.
Personal Information: content that includes contact or personal information about another individual without their permission.
Adult Merchants associated directly or indirectly in either the URL or the homepage to child pornography and under age sex, bestiality, incest, rape, brutality,
forced sex or prostitution and escort services.
Pyramid Schemes, unregulated e-money and foreign exchange beneficiaries, get rich quick schemes, High-Yield Investment Programs are unacceptable but legitimate
Multi-level Marketing businesses will be acceptable.
Payment Services intended for a beneficiary from a website offering gambling services where it is strictly forbidden for citizens or residents of that country
to receive such payments from such websites.
Schemes that do not fully verify the identity of all parties involved and do not allow Epay full visibility and access to information relating to the entire
transaction associated with a Epay.
Merchant is hereby informed about all the requirements and agreements of using Epay global payment services, accepts them and agrees to follow
and incorporate them into the business.
Merchant agrees to promptly, but not later than 2 working days, notify Epay using the Support Desk service of any changes in the status, type,
category or other information related to the business.