商戶同意並接受以下服務條款和任何其他具體規則、程式、條款和條件以使用YoPoint實體店推廣功能（以下簡稱實體店功能），為YoPoint用戶提供產品，服務或設施。

• 一、使用申請與實體店功能說明
• 1.商戶承諾遵守YoPoint已公佈或將來公佈的各項規則，並申請開通實體店功能。
• 2.為提高商戶與用戶之間的交易便利度，YoPoint實體店功能將提供科技層面的支持，為商戶提供一個平臺展示商戶實體店地址定位、店鋪介紹、優惠發佈、產品展示，以及與客戶進行互動等。
• 二、商戶的權利與義務
• 1.商戶在使用實體店功能以及在其基礎上拓展的其他推廣功能時，應自行承擔業務違反國家法律、法規及相關金融慣例規定的責任。
• 2.商戶使用實體店功能需根據YoPoint提供的操作指南進行操作，操作過程中應核對帳戶金額、交易明細與其他資訊是否一致，如發現偽造資訊及其他無法解决的疑問，應及時與YoPoint聯系。商戶未按照要求受理業務而導致的經濟損失，均由商戶自行承擔。
• 3.商戶所使用的實體店功能以及實體店功能所涉及的所有檔，包括但不限於圖紙、技術標準、產品說明等，製造商均保留所有有關的知識產權，如有侵犯知識產權的行為，權利人有權利通過有關途徑進行索賠。
• 4.未經YoPoint另行書面同意，商戶不得為任何營利性或非營利性的目的自行實施、利用、轉讓或許可任何協力廠商實施、利用、轉讓本實體店平臺商戶端。商戶未經許可進行上述行為造成用戶損失的，由商戶根據國家相關的法律規定承擔相應的法律責任。
• 三、YoPoint的權利與義務
• 1.出現下列情况之一時，YoPoint有權不經事先通知的情况下，終止商戶使用該實體店功能和相關服務的權利，並無需承擔任何責任：
• （1）商戶利用實體店功能進行違反國家法律、法規及相關金融慣例規定的推廣和/或交易；
• （2）商戶不按照YoPoint提供的操作指南進行實體店平臺操作，導致用戶造成巨大損失，進而影響YoPoint社會形象；
• （3）商戶在使用該平臺時違反本條款的約定。
• 2.YoPoint承擔為商戶提供實體店平臺的技術支援，以及為商戶提供其在推廣過程中產生的交易數據，及其開通的相關拓展功能的數據更新義務。
• 3.YoPoint僅為商戶提供一個具有宣傳推廣與交易功能的工具，不參與到商戶與用戶的交易中，YoPoint與用戶之間不建立交易關係，不承擔任何因商戶與用戶交易過程中所產生的法律責任。
• 4. 每次用戶進行實體店功能發佈的相關交易後，YoPoint將在商戶帳戶自動更新數據。若發生科技延遲或相關的系統故障，數據將可能延遲更新。
• 5.YoPoint可根據合作銀行之要求提供商戶數據給銀行。除了為配合監管當局、司法機關、國際卡組織要求披露外，銀行不得將有關資料洩露給任何協力廠商。
• 四、退款和結算
• 1.商戶承諾及同意，YoPoint不承擔商戶與用戶或協力廠商之間所引起的任何貨物損壞賠償或經濟損失等糾紛及責任，囙此商戶須自行承擔解决。
• 2.商戶必須應YoPoint的合理要求而提供相關資訊及檔案，協助解决任何因使用本網站和（或）商戶帳戶所產生的疑問或糾紛。
• 3.商戶可暫扣有糾紛的交易金額，直至有關糾紛處理後，商戶必須將無可爭議的款項全數結算給YoPoint。
• 4.無論何時因何種原因而導致該項交易曾被銀行拒絕，帳戶扣除或扣款，商戶均需將所有已準予及結算的交易償還予YoPoint。
• 5.YoPoint有權延后或凍結商戶的任何結算，包括但不限於相關交易或結算存在YoPoint認為有退款風險或任何其他風險或非法活動的情况下。YoPoint亦有權凍結或終止商戶的交易帳戶。
• 6.商戶明白資金結算是只由YoPoint負責提供的，與YoPoint合作之銀行不承擔任何形式的責任，包括金額正確性、結算時效性等。
• 五、費用支付
• 1.商戶新註冊開通該實體店功能時，無需繳納開通費。但YoPoint保留對該功能註冊開通費用調整的權利。
• 2.商戶知悉在使用新註冊開通默認功能與配送相應推廣份額以外的其他功能，需要另行購買。
• 六、免責和有限責任
• 1. YoPoint僅向商戶及用戶提供實體店平臺這一工具，以便雙方達成長遠交易關係，但YoPoint並非為實際交易活動的參與方。YoPoint不對商戶與用戶的任何口頭、書面陳述或其向YoPoint上傳的線上資訊之真實性作任何明示或暗示的擔保，或對此承擔任何連帶責任，不對商戶與用戶的法定義務和/或契約責任承擔任何連帶責任。YoPoint亦無義務參加商戶與用戶的任何退款等活動。
• 2. YoPoint將按照現有技術提供相應的安全措施以保障實體店平臺的正常運行。但由於可能存在的網絡病毒、網絡通訊故障、系統維護等方面的因素以及可能發生的不可抗力事件，YoPoint無法保證服務的絕對安全和在任何條件下均能正常提供服務，對此商戶應理解並不應要求YoPoint在下列情況下承擔責任：
• （1）系統停機維護；
• （2）通訊終端或電信設備出現故障不能進行數據傳輸的；
• （3）因颱風、地震、海嘯、洪水、停電、戰爭、恐怖襲擊等不可抗力之因素，造成系統障礙不能執行業務的；
• （4）由於駭客攻擊、電信部門技術調整或故障、軟件升級、協力廠商問題等原因造成的服務中斷或延遲。

YoPoint將不時對條款情況進行更新，恕不另行通知。 本協議具法律效力，經商戶確認同意後生效。 （以下無正文）
英文翻譯僅供參考。中文版本和英文版本（和/或其他語言版本）之間的差異或不一致的情況下，應以中文版本作準。

商户同意并接受以下服务条款和任何其他具体规则、程序、条款和条件以使用YoPoint实体店推广功能（以下简称实体店功能），为YoPoint用户提供产品，服务或设施。

• 一、使用申请与实体店功能说明
• 1. 商户承诺遵守YoPoint已公布或将来公布的各项规则，并申请开通实体店功能。
• 2. 为提高商户与用户之间的交易便利度，YoPoint实体店功能将提供技术层面的支持，为商户提供一个平台展示商户实体店地址定位、店铺介绍、优惠发布、产品展示，以及与客户进行互动等。
• 二、商户的权利与义务
• 1.商户在使用实体店功能以及在其基础上拓展的其他推广功能时，应自行承担业务违反国家法律、法规及相关金融惯例规定的责任。
• 2.商户使用实体店功能需根据YoPoint提供的操作指南进行操作，操作过程中应核对账户金额、交易明细与其他信息是否一致，如发现伪造信息及其他无法解决的疑问，应及时与YoPoint联系。商户未按照要求受理业务而导致的经济损失，均由商户自行承担。
• 3.商户所使用的实体店功能以及实体店功能所涉及的所有档，包括但不限于图纸、技术标准、产品说明等，制造商均保留所有有关的知识产权，如有侵犯知识产权的行为，权利人有权利通过有关途径进行索赔。
• 4.未经YoPoint另行书面同意，商户不得为任何营利性或非营利性的目的自行实施、利用、转让或许可任何第三方实施、利用、转让本实体店平台商户端。商户未经许可进行上述行为造成用户损失的，由商户根据国家相关的法律规定承担相应的法律责任。
• 三、YoPoint的权利与义务
• 1. 出现下列情况之一时，YoPoint有权不经事先通知的情况下，终止商户使用该实体店功能和相关服务的权利，并无需承担任何责任：
• （1）商户利用实体店功能进行违反国家法律、法规及相关金融惯例规定的推广和/或交易；
• （2）商户不按照YoPoint提供的操作指南进行实体店平台操作，导致用户造成巨大损失，进而影响YoPoint社会形象；
• （3）商户在使用该平台时违反本条款的约定。
• 2. YoPoint承担为商户提供实体店平台的技术支持，以及为商户提供其在推广过程中产生的交易数据，及其开通的相关拓展功能的数据更新义务。
• 3. YoPoint仅为商户提供一个具有宣传推广与交易功能的工具，不参与到商户与用户的交易中，YoPoint与用户之间不建立交易关系，不承担任何因商户与用户交易过程中所产生的法律责任。
• 4. 每次用户进行实体店功能发布的相关交易后，YoPoint将在商户账户自动更新数据。若发生技术延迟或相关的系统故障，数据将可能延迟更新。
• 5. YoPoint可根据合作银行之要求提供商户资料给银行。除了为配合监管当局、司法机关、国际卡组织要求披露外，银行不得将有关资料泄露给任何第三方。
• 四、退款和结算
• 1.商户承诺及同意， YoPoint不承担商户与用户或第三方之间所引起的任何货物损坏赔偿或经济损失等纠纷及责任，因此商户须自行承担解决。
• 2.商户必须应YoPoint的合理要求而提供相关信息及文件，协助解决任何因使用本网站和（或）商户账户所产生的疑问或纠纷。
• 3.商户可暂扣有纠纷的交易金额，直至有关纠纷处理后，商户必须将无可争议的款项全数结算给YoPoint。
• 4.无论何时因何种原因而导致该项交易曾被银行拒绝，账户扣除或扣款，商户均需将所有已批准及结算的交易偿还予YoPoint。
• 5.YoPoint有权推迟或冻结商户的任何结算，包括但不限于相关交易或结算存在YoPoint认为有退款风险或任何其他风险或非法活动的情况下。YoPoint亦有权冻结或终止商户的交易帐户。
• 6.商户明白资金结算是只由YoPoint负责提供的，与YoPoint合作之银行不承担任何形式的责任，包括资金正确性、结算时效性等。
• 五、费用支付
• 1.商户新注册开通该实体店功能时，无需缴纳开通费。但YoPoint保留对该功能注册开通费用调整的权利。
• 2.商户知悉在使用新注册开通默认功能与配送相应推广份额以外的其他功能，需要另行购买。
• 六、免责和有限责任
• 1. YoPoint仅向商户及用户提供实体店平台这一工具，以便双方达成长远交易关系，但YoPoint并非为实际交易活动的参与方。YoPoint不对商户与用户的任何口头、书面陈述或其向YoPoint上传的在线信息之真实性作任何明示或暗示的担保，或对此承担任何连带责任，不对商户与用户的法定义务和/或契约责任承担任何连带责任。YoPoint亦无义务参加商户与用户的任何退款等活动。
• 2. YoPoint将按照现有技术提供相应的安全措施以保障实体店平台的正常运行。但由于可能存在的网络病毒、网络通讯故障、系统维护等方面的因素以及可能发生的不可抗力事件，YoPoint无法保证服务的绝对安全和在任何条件下均能正常提供服务，对此商户应理解并不应要求YoPoint在下列情况下承担责任：
• （1）系统停机维护；
• （2）通讯终端或电信设备出现故障不能进行数据传输的；
• （3）因台风、地震、海啸、洪水、停电、战争、恐怖袭击等不可抗力之因素，造成系统障碍不能执行业务的；
• （4）由于黑客攻击、电信部门技术调整或故障、软件升级、第三方问题等原因造成的服务中断或延迟。

YoPoint将不时对条款情况进行更新，恕不另行通知。 本协议具法律效力，经商户确认同意后生效。 （以下无正文）
英文翻译仅供参考。中文版本和英文版本（和/或其他语言版本）之间的差异或不一致的情况下，应以中文版本作准。

By using the YoPoint Retail Shop Promotion Function (hereinafter referred as Retail Shop Function), the Merchant acknowledges and accepts that the use of the Retail Shop Function shall be governed by these Terms of Service and any other specific rules, procedures, terms and conditions for the products, services or facilities offered.

• I. Application for Use of Retail Shop Platform and Instructions
• 1. Merchant undertakes to comply with the rules that have been published or will be announced in future by YoPoint, and apply for activation of the Retail Shop Function.
• 2. In order to improve the ease of transaction between the Merchants and the Member Users, YoPoint Retail Shop Function will provide technical support and a platform to display the address location of the Merchant’s retail outlets, introduction of the shops/stores, publish member benefits and offers, products showcase, as well as interaction with the customers, and etc.
• II. Rights and Obligations of the Merchant
• 1. Merchant should ensure that all relevant information published on the Retail Shop Function is true. When a Member User shopping at the retail outlet, Merchant shall provide the products that matched with the information of member benefits and offers. Merchant shall be solely responsible for any complaints, refunds and/or disputes arising in relation with any false, outdated, inaccurate or incomplete information that contained in the products and/or services offered.
• 2. When using the Retail Shop Function and other promotional features on the basis of its expansion, Merchant shall be responsible and liable with respect to a breach of the national laws, legislation and regulations under the provisions of the relevant financial practices.
• 3. Merchant shall follow the operation guide provided by YoPoint when using the Retail Shop Function. The Merchant should verify the account balance and check the consistency of all transaction details and other information during the operation process. The Merchant shall contact YoPoint immediately if there is any fake information discovered and/or any other questions that cannot be resolved. The Merchant shall be solely responsible and liable for any economic losses if not operated and used in accordance with the instructions.
• 4. The Manufacturer retains all relevant intellectual property rights for all Retail Shop Functions used by the Merchant as well as all the files involved in Retail Shop Function, including but not limited to drawings, technical standards, product descriptions and etc. In case of infringement of intellectual property rights, the copyright holder has the right to make claims through relevant channels.
• 5. Without the prior written consent of YoPoint, the Merchant shall not implement, use, transfer or permit any third party to implement, use or transfer the Prepaid Card Platform for any profit or non-profit purposes. The Merchant shall bear legal responsibility in accordance with the national laws, legislation and regulations, for any losses caused by any unauthorized use of the service as a result of and/or in relation to any aforesaid action.
• III. Rights and Obligation of YoPoint
• 1. YoPoint reserves the right to terminate or suspend the access to the Retail Shop Function at any time without prior notice and without any liability to the Merchant, including but not limited to:
• 1.1 Merchant uses the Retail Shop Function attempt for any promotion and/or transaction that against the national laws, legislation and regulations under the provisions of the relevant financial practices.
• 1.2 Merchant does not operate the Retail Shop Function in accordance with the operation guide, causing huge losses and thereby affecting the social image of YoPoint.
• 1.3 Merchant has breached of Terms of Service in this Merchant Agreement when using the platform.
• 2. YoPoint shall be obligated to provide technical support for the Retail Shop Platform, and provide transaction data generated in the promotion process, as well as data update of the activated relevant expansion features.
• 3. YoPoint is merely providing the Retail Shop Platform to the Merchants as advertising and promotion tool, as well as transaction function. YoPoint does not participate in any trading activities between the Member Users and the Merchants. The trading relationship will not be established between the Merchant and the Member User, and YoPoint has no legal responsibility whatsoever caused by or arising from the transaction process.
• 4. YoPoint shall update the data automatically in the Merchant Account after each transaction made by the Member User using the Retail Shop Function. Nevertheless, data updates could be delayed due to any technical problem or any related system failure.
• 5. YoPoint may provide merchant information to the bank, in accordance with the requirements of the cooperative banks. The bank shall not disclose the same information to any third party except to the regulatory authorities, the judiciaries, the international card organizations, as may be authorised by law to obtain such information.
• IV. Dispute and Settlement
• 1. YoPoint Merchant acknowledges and agrees that YoPoint shall not be liable for any loss or damage incurred by Merchants arising out of or in connection with any dispute between the Merchant and any other third party and the Merchant shall be solely responsible for resolving such disputes.
• 2. Upon request, Merchant shall provide all information, documents and assistance which YoPoint may reasonably require to resolve any queries or disputes in relation to the Merchant use of The Website and/or the Merchant Account.
• 3. Merchant shall pay YoPoint the undisputed amounts provided that Merchant may withhold payment of disputed amounts until such time the disputes have been resolved.
• 4. The Merchant shall reimburse YoPoint for all approved and settled Transactions which are at any time refused, debited or charged back by the relevant bank for any reason whatsoever.
• 5. YoPoint shall have the right to delay or hold back any Settlement if under the circumstances that YoPoint believes the relevant transaction or settlement involves with, but not limited to, a risk of refund or any other risk or unlawful activity. YoPoint shall also be entitled to freeze or terminate a YoPoint Merchant’s account.
• 6. Merchant understands that settlement is provided by YoPoint and hence the cooperative bank does not bear any responsibility for the amount, accuracy, authenticity, completeness or timeliness of transmittal thereof.
• V. Fees and Charges
• 1. Merchants do not have to pay activation fee for new registration to activate the Retail Shop Function. Nevertheless, YoPoint reserves the rights to adjust the activation fee when necessary.
• 2. Merchant acknowledges that besides using the new registered and activated default function and its associated promotional function, other functions may need to be purchased separately.
• VI. Disclaimer and Limitation of Liability
• 1. YoPoint is merely providing the Retail Shop Platform to the Merchants and the Member Users as a transaction tool, for both parties to reach a long-term business relationship. Nevertheless, YoPoint is not involved in the actual trading activity. YoPoint will not express or implied any warranty, directly or indirectly, to the Merchants and the Member Users, either orally or in writing, as to the accuracy and integrity of the information uploaded to the YoPoint, and takes no responsibility and assumes no joint and several liability for the content provided, and does not undertake any statutory obligations and/or contractual obligations. YoPoint also have no obligation to participate in any activities related to refunds and claims between the Merchants and the Member Users.
• 2. YoPoint will provide the appropriate safeguards in accordance with the existing technologies to ensure the security measures are in place for the normal operation of the Retail Shop Platform. Nevertheless, YoPoint will not guarantee absolute security under all conditions, in response to unexpected virus infection, network communication failure, system maintenance, malfunctioning or hindrances, or any other force majeure events that may occur. Therefore the Merchant shall understand and acknowledge that YoPoint shall not be under any liability in respect of the following circumstances, including but not limited to:
• (a) System downtime for maintenance or upgrades;
• (b) Data transfer or transmission problems due to communication server or telecommunication terminal, hardware or software failure;
• (c) Due to force majeure situations, such as typhoons, earthquakes, tsunamis, floods, power outages, war, terrorist attacks, and etc., resulting in the system failure and cannot perform the business operations.
• (d) Service interruption or delay caused by hacker attacks, technical adjustments in telecommunications, system upgrades or any other issues arising from third-party services.

YoPoint reserves the right to update or modify the Terms of Service at any time without prior notice.
This agreement shall be effective and legally binding upon acceptance in registration for new YoPoint Member Users.
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