Terms of Use

This website is owned and operated by Pan-Asia Payment Company Limited (泛亞收付通有限公司) ("the Company", "we", "us" or "our"). These Terms of Use (the "Terms") form a legally binding agreement between you and the Company in relation to your access to and use of this website. By accessing, browsing or otherwise using this website, you confirm that you have read, understood and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must stop accessing and using this website immediately. These Terms govern the browsing and use of the website itself and do not cover any service commitment concerning account opening, the receipt or payment of funds, exchange rates, fees, settlement timeframes, allocation of liability or dispute resolution.

These Terms apply to https://panasiapay.com and https://panasiapayment.com.

The content of this website is not designed for persons in any particular jurisdiction and must not be treated as a solicitation made in any jurisdiction where such publication or the provision of such services is prohibited or restricted. You must not access this website if the laws of your location prohibit or restrict you from doing so. You are solely responsible for ensuring that your access to and use of this website complies with the laws applicable to you.

The Company does not provide services to:

• individuals, entities or organisations targeted by sanctions imposed by the United Nations, the Hong Kong SAR, or any other sanctions list adopted by the Company;
• persons or entities located or established in any territory that the Company designates as a sanctioned or non-serviced jurisdiction;
• persons under the age of eighteen;
• entities whose business falls within the Company's list of prohibited or restricted industries.

All intellectual property rights in this website and all of its content (including without limitation text, images, graphics, interface design, layout, icons, logos, software, source code and the arrangement thereof) are owned by the Company or its licensors and are protected by copyright, trade mark and other intellectual property laws of Hong Kong and other jurisdictions. Except as expressly permitted by these Terms, you must not reproduce, adapt, translate, distribute, publicly display, publish, sell, lease or create derivative works from the content of this website in any form without the Company's prior written consent. You may browse this website and print or download individual pages for your personal or internal business reference on a non-commercial basis, provided that you retain all copyright and proprietary notices and do not modify the content.

This website may refer to the company names, platform names, product names or service names of third parties in order to illustrate the use cases of the Company's services. All such names and marks remain the property of their respective owners. Unless expressly stated otherwise, such references are descriptive only and do not indicate any partnership, sponsorship, endorsement, authorisation or affiliation.

You agree to use this website only for lawful purposes and in accordance with these Terms. You must not (and must not permit any person to):

• use any automated program, crawler, robot, data mining tool or similar means to access, scrape, copy or monitor any part of this website or its data;
• bypass, defeat or attempt to circumvent any security measure, access restriction, verification mechanism or rate limit of this website;
• reverse engineer, decompile or disassemble any part of this website, or attempt to obtain its source code;
• introduce, transmit or disseminate any virus, trojan, worm, logic bomb or other malicious code;
• impose an unreasonable or disproportionate load on this website or its servers or networks, including by way of denial of service or distributed denial of service attacks;
• impersonate any person or entity, or misrepresent your relationship with any person or entity;
• frame, mirror, deep-link or otherwise incorporate the content of this website into another website, or republish it commercially, without the Company's written consent;
• collect, store or use the personal data of any other user of this website or of any of the Company's personnel;
• use this website to publish or transmit any unlawful, defamatory, infringing, obscene or threatening content;
• engage in any conduct that contravenes the laws of Hong Kong or any other applicable jurisdiction, or that may damage the Company's reputation, business or security.

The Company reserves the right, without prior notice, to suspend or terminate any person's access to this website and to take legal action and report to the relevant authorities in respect of any breach of these Terms.

As a licensed money service operator in Hong Kong, the Company imposes strict compliance requirements on customer conduct. Where any person uses or attempts to use the Company's services for any of the following purposes, the Company will refuse, suspend or terminate services and, where required or permitted by law, report the matter to the relevant authorities:

• money laundering, terrorist financing, or facilitating either of them;
• evading or attempting to evade any sanctions measures, including concealing the involvement of a sanctioned party through third party names, transhipment or false trade arrangements;
• structuring transactions into multiple smaller amounts in order to circumvent due diligence, reporting thresholds or monitoring mechanisms;
• providing false, forged or misleading identity documents, business documents or explanations of transaction background;
• concealing the true beneficial owner of a transaction or the ultimate source or intended use of funds;
• the receipt or payment of funds in connection with fraud, illegal gambling, illegal fundraising or other unlawful activity.

This website may contain links to third party websites. Such links are provided for your convenience only and do not imply any endorsement or warranty by the Company as to the content, products, services or privacy practices of those websites. The Company accepts no responsibility for the content, availability or security of any third party website. You access any third party website at your own risk and subject to that website's own terms and policies.

The Company endeavours to ensure the accuracy of the information on this website but makes no representation or warranty, express or implied, as to its accuracy, completeness, timeliness or suitability. Content on this website may be updated or amended at any time without notice.

Certain content on this website is illustrative in nature, including without limitation: interface mock-ups, dashboard or system status displays, sample transaction records, sample company names, sample figures for exchange rates or fees, sample values for processing times or performance metrics, results generated by estimation tools, and descriptions of typical use scenarios. All such content is provided solely to illustrate how the Company's services operate. It does not represent live data, actual customer information, past performance or future results, and does not constitute a quotation for or a commitment as to any specific exchange rate, fee, processing time or settlement timeframe.

Any description on this website of fees, exchange rates, mark-ups, settlement speed or credit times is general in nature and is affected by a number of factors, including without limitation currency, transaction amount, payment and collection channels, the processing arrangements of correspondent and beneficiary banks, cut-off times, local holidays, the time required for compliance review, and other factors beyond the Company's control. The fees, exchange rates and timeframes actually applicable to any transaction are those confirmed with the customer by the Company at the time of that transaction.

The Company holds a Money Service Operator licence granted by the Hong Kong Customs and Excise Department under the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615). The scope of that licence is confined to requirements relating to anti-money laundering and counter-terrorist financing. It does not constitute prudential supervision, authorisation or endorsement by the Hong Kong Monetary Authority, the Securities and Futures Commission or any other body, and does not mean that the Company is an authorized institution within the meaning of the Banking Ordinance (Cap. 155).

The fact that the Company is licensed does not constitute a guarantee by any authority as to the Company's services, financial condition or the outcome of any transaction.

To the maximum extent permitted by applicable law, this website is provided on an "as is" and "as available" basis and the Company gives no warranty, express or implied, including without limitation as to merchantability, fitness for a particular purpose, non-infringement, or that this website will be uninterrupted, error-free, secure or free of viruses. To the maximum extent permitted by applicable law, neither the Company nor its directors, employees, agents or affiliates shall be liable for any direct, indirect, incidental, special, punitive or consequential loss (including loss of profit, business interruption, loss of data or loss of goodwill) arising from your access to, use of, or inability to use this website, or from reliance on any content of this website, even if the Company has been advised of the possibility of such loss. Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited.

You agree to indemnify and hold the Company harmless against any claim, demand, loss, liability, damages, fine, cost or expense (including reasonable legal fees) suffered or incurred by the Company arising out of your breach of these Terms, your breach of any applicable law, or your improper use of this website.

The Company may amend these Terms from time to time. The amended version takes effect upon publication on this website, and its effective date will be stated at the beginning of the document. Your continued use of this website after the amendment takes effect constitutes acceptance of the amended Terms. You are encouraged to review these Terms periodically.

Severability: if any provision of these Terms is held to be invalid, unlawful or unenforceable, that provision shall be severed to the extent necessary and the validity and enforceability of the remaining provisions shall not be affected.

No waiver: any failure or delay by the Company in exercising a right under these Terms does not constitute a waiver of that right.

Third party rights: save for the Company's affiliates and licensees, no person who is not a party to these Terms has any right to enforce any provision of these Terms under the Contracts (Rights of Third Parties) Ordinance (Cap. 623).

Entire agreement: these Terms constitute the entire agreement between you and the Company in relation to the browsing and use of this website. They do not affect the validity of any separate written agreement executed between the parties, which shall prevail in respect of the matters it covers.

These Terms are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region. Any dispute arising out of or in connection with these Terms or this website is subject to the non-exclusive jurisdiction of the courts of the Hong Kong Special Administrative Region.

These Terms are provided in both Chinese and English. In the event of any ambiguity or inconsistency between the two versions, the Chinese version shall prevail.