The Card Policy sets out the matters related to the use of the Credit Card or Debit Card (hereinafter referred to as “Card”) to make payment for the Transfer Amount and Services Fees to Curfex (HK) Limited (hereinafter referred to as “Curfex”) in order for the Member to use our Services.
The Card Policy applies to the Member together with the Terms and Conditions. Matters not provided in the Card Policy shall be governed by the Terms and Conditions.
If the Articles of the Card Policy are different from the Articles in the Terms and Conditions, the Articles of this Card Policy will apply in priority.
Unless specified otherwise, the terms used in the Card Policy have the same meanings as those used in the Terms and Conditions.
Unless the context requires otherwise, words in the singular include the plural and, in the plural, shall include the singular.
Unless the context requires otherwise, a reference to one gender shall include a reference to the other genders.
Card number is a 16 or 19 digit number displayed across the front or back of the card and is used to identify both the credit card or debit card issuer and the account holder.
Credit Card is card issued by bank or financial services company, that allows cardholder to borrow funds with which to pay for goods and services with merchants that accept card for payment.
Debit Card is a payment card that deducts money directly from a consumer’s account when it is used.
Personal Identification Number (‘PIN’) is a 3 digit number/code which is given to the User at the time of issuing the Card for the purpose of security.
The Member shall strictly manage the Card at his sole responsibility so that the Card will not be used by others. The Card and the Card Services shall be deemed to be used by the Member if the Card, the card number, or PIN is used. Curfex will not be liable for any loss arising due to any unauthorized transaction.
The Member may not assign, loan, pledge, or otherwise establish any right of a third party on, or make available for use by a third party, the Card, the position of the Member as a contractual party under the Card Policy, or any other rights pertaining to the Card Services.
The Member shall strictly manage the PIN and other security information at his own responsibility so such information will not be known to any third party. Curfex assumes no liability for any damage suffered by the Member as a result of a third party coming to know the Member’s PIN or any other security information.
The Member shall constantly check his own transaction history and shall promptly notify Curfex if he notices and becomes aware of any unauthorized, inaccurate, or incorrect transaction. Curfex may, at its sole discretion, disclose any information to law enforcement agencies that it reasonably believes is relevant in the event the Card is lost, stolen, being used without principal’s permission, or being misused.
By using the Card, the Member may make Payment for Transfer Amount and Services Fees (hereinafter collectively referred to as “Payment”) to Curfex to use our Services.
The exchange rate and Services fees will be provided in a Quote when the Member is making the Payment. The exchange rate offered in the Quote shall be valid for 24 hours. There will also be a separate fee “Card Fee” charged for usage of Card for this Payment.
The Member may not make a Payment that exceeds the available balance of his Debit Card or upper limit if he uses Credit Card. If the amount of a Payment exceeds the available balance of the account, Curfex may refuse to process such payment.
Curfex may, suspend or cancel the processing of Payment, at its sole discretion, if it deems that the transaction requested by the Member is, or have the possibility of being misconduct, fraudulent, illegal, criminal or violate the Terms and Conditions.
In the event that the Member has need to cancel a Payment that is paid for by their Card, the Member shall contact Curfex’s customer support team at email@example.com for assistance. Only transactions that are not yet completed can be cancelled.
Curfex may process a refund to the Member’s Card in the event that Payment could not be made to the Member’s beneficiary. The Member will be notified of the cancellation.
Once the Payment is cancelled, Card refunds may take up to 10 working days to process. The refund will be returned to the Card. There may be a refund fee charged.
Cookies are small text files that are automatically placed on your computer or mobile device when you visit almost any Website. They are stored by your Internet browser. Cookies contain basic information about your Internet use, but they do not normally identify you personally. Your browser sends these cookies back to the Website every time you revisit it, so it can recognize your computer or mobile device and personalize and improve your Website experience.
The cookies we use fall into 4 categories:
You can manage cookies through the settings of your Internet browser. You can have the browser notify you when you receive a new cookie, delete individual cookies or delete all cookies. For more information on this, please visit aboutcookies.org.
Please note that, if you choose to delete Curfex cookies, your access to some functionality and areas of our website may be degraded or restricted.
We may collect and store any information you provide us when you use Curfex Services, including when you add information on a web form, add or update your account information, participate in dispute resolutions, or when you otherwise correspond with us regarding Curfex Services. We also collect information about your transactions and your activities when you use Curfex Services. In addition, if you open a Curfex account or use Curfex Services, we may collect the following types of information:
We only retain personal information for so long as it is necessary. Data may be archived as long as the purpose for which the data was used still exists.
Personal information collected from you may be used for the following purposes:
Your personal information will be kept confidential except as outlined here.
We may share your personal information with other Curfex-affiliated companies to carry out Curfex Services that you have requested. Our data protection is consistent across the group regardless of its location.
We may disclose your information to unaffiliated third parties, for the following purposes:
These companies are requested to adhere to this Policy and have a duty of confidentiality when handling your personal information.
We may also be required to disclose your personal information to regulators or law enforcement agencies to comply with a legal obligation.
We will take reasonable organizational and technical measures to ensure your personal data and to prevent the loss, misuse or alteration of your personal data.
You can manage your cookies through the setting of your browser. Please note that, if you choose to delete Curfex cookies, your access to some functionality and areas of our website may be degraded or restricted.
Your access to, and use of, Curfex Services is subject to the terms of our Disclaimer. For further information, please refer to our Disclaimer.
Welcome to curfex.com (the 'Website'). The Website provides international money transfer services via the Internet (the ‘Services’). Our Services varies by country. We offer Services in compliance with local laws and regulations.
Curfex (HK) Limited is a licensed Money Service Operator registered with the HK Customs and Excise Department (License no: 20-12-02994).
The Website is operated by Curfex (HK) Limited ('Curfex'). Access to and use of the Website, or any of its associated Services, is provided by Curfex. Please read these terms and conditions (the 'Terms') carefully.
Curfex reserves the right to review and change any of the Terms by updating this page at its sole discretion. When Curfex updates the Terms, it will use reasonable endeavors to provide you with notice of updates to the Terms. Any changes to the Terms take immediate effect from the date of their publication. Before you continue, we recommend you keep a copy of the Terms for your records.
By visiting our Website and/or using our Services, this signifies that you have read, understood and agreed to be bound by the Terms. You also confirm acceptance of the Terms by clicking to accept or agree to the Terms where this option is made available to you by Curfex in the Website. If you do not agree with the Terms, please cease usage of the Website, or any of the Services, immediately. The following additional documents are to be read together with the Terms:
In order to access the Services, you must first register for a customer account through the Website (the 'Account'). You must be at least 18 years old, and a resident of Hong Kong to be eligible.
As part of the registration process, or as part of your continued use of the Services, you may be required to provide personal or company information and/or documentation as prompted. You warrant that any information you provide to Curfex in the course of completing the registration process is accurate, correct and up to date. We may request for additional documents and/or information at any time, if such need arises.
We are required by law to conduct the necessary customer due diligence checks on you in order to provide our Services to you. You authorize Curfex, directly or through third parties, to make any inquiries we consider necessary to validate your identity and the information provided to us during the course of your Account usage.
Upon our acceptance of you as a customer, we will send you a notification that your customer account is now active. You will be a registered member of the Website ('Member').
If you have not used our Services for a period of 2 years, your Account will be closed automatically. Upon which, should you wish to continue use of the Services, you will need to reapply for a new account.
Duplicate accounts are prohibited. Curfex shall reject the registration of duplicate accounts for the same user. Curfex reserves the right to terminate or merge any duplicate accounts detected.
We may, at our discretion, impose limits on the amount of payments you can send through our Services.
When requesting for Services ('Instruction'), you must provide us with all relevant information as requested on the Website. This information requested are in line with the regulatory requirements that govern our Services. It is your responsibility to ensure that the information provided in the Instruction is accurate and complete. In the event that incorrect payee details were provided in the Instruction, we shall reasonably assist you in the recovery of your payment. We shall not be liable for any losses you incur.
Upon receiving your Instruction, we shall provide you with a quote. The exchange rate offered in the quote shall be valid for 24 hours. We will proceed with the fulfillment of Services ('Payment') after receiving the cleared funds required for the transfer ('Transfer Amount'), which includes our Services fees. In the event where the Transfer Amount is only available after this period, Curfex will not be able to offer the quoted rate. We will proceed with Payment at the exchange rate at receipt of the Transfer Amount or we will email you to ask if you want to proceed with your transaction. The revised quote will be sent to your email and will also be made available in your Account on the Website.
We will do our best to honor the exchange rate provided in the quote. In the event that there’s a 2% or more change in exchange rate in the 24 hours validity period, we reserve the rights to update the exchange rate and provide you with a revised quote or cancel your Instructions and refund any related cleared funds to you.
If the Instruction is received after 5 pm HKT on a business day or not on a business day, the Instruction will be deemed to have been received on the next business day.
The Instruction would be cancelled after two (2) business days from date of Instruction receipt should Curfex not receive the cleared funds required to carry it out. A cancellation email will be sent to you and your Account on Website will be updated.
Any requests for cancellation of Payment is only possible if Payment has not been processed. In the event where Payment has been processed, we shall not be liable to provide a refund or any losses you may incur.
We reserve the rights to refuse your Instruction where:
Within two (2) business day of Payment, a Receipt will be sent to your email and made available on your Account on the Website. This is for your record keeping purposes and concludes the Services for the Instructions provided. Such Transfer Complete confirmation by us is made on a best effort basis, Curfex shall not be held liable in any means.
You will be able to access and review your transaction history on your Account on the Website.
As a Member, you agree to comply with the following:
Payment for the Services (the 'Services Fee') shall be borne by you and made available to us with the Transfer Amount.
You acknowledge and agree that where Services Fee is returned or denied, for whatever reason, by your financial institution or is unpaid by you for any other reason, then you are liable for any costs, including banking fees and charges, associated with the Services Fee. We also reserve the rights to refuse Payment until receipt of Services Fees.
You agree and acknowledge that Curfex can change the Services Fee at any time.
There shall also be an administration fee charged for refunds (the 'Refund Fee') in any of the following circumstances. Curfex shall deduct this Refund Fee and our Services Fee from the amount of Cleared Funds received by Curfex from the Member. The balance of which shall be refunded to a bank account in the Member’s name of their choosing (refunds to third party accounts are not possible).
We will only provide you with a refund of the Services Fee in the event we are unable to continue to provide the Services or at our absolute discretion, that it is reasonable to do so under the circumstances. We also reserve the right to pass on any foreign exchange rates losses to the Member (where applicable) and this cost will be deducted from the amount of Cleared Funds.
The Website, the Services and all of the related products are owned or controlled and reserved by Curfex.
All trademarks, service marks and trade names are owned, registered and/or licensed by Curfex, who grants to you a worldwide, non-exclusive, royalty-free, revocable license whilst you are a Member to:
Curfex does not grant you any other rights whatsoever in relation to the Website or the Services. All other rights are expressly reserved by Curfex.
Curfex retains all rights, title and interest in and to the Website and all related Services. Nothing you do on or in relation to the Website will transfer to you any:
You may not, without the prior written permission of Curfex and the permission of any other relevant rights owners: broadcast, republish, upload to a third party, transmit, post, distribute, show or play in public, adapt or change in any way the Services or third party Services for any purpose, unless otherwise provided by these Terms. This prohibition does not extend to materials on the Website which are freely available for re-use or are in the public domain.
Our acceptance of you as a Member is at our sole discretion and we reserve the rights to decline opening a customer account for you without having to specify a reason.
Nothing in the Terms limits or excludes any guarantees, warranties, representations or conditions implied or imposed by law, including the Hong Kong Consumer Law (or any liability under them) which by law may not be limited or excluded.
Subject to this clause, and to the extent permitted by law:
Use of the Website and the Services is at your own risk. Everything on the Website and the Services is provided to you "as is" and "as available" without warranty or condition of any kind. None of the affiliates, directors, officers, employees, agents, contributors and licensors of Curfex make any express or implied representation or warranty about the Services or any products or Services (including the products or Services of Curfex) referred to on the Website. This includes (but is not restricted to) loss or damage you might suffer as a result of any of the following:
Curfex's total liability arising out of or in connection with the Services or these Terms,however arising, including under contract, tort (including negligence), in equity, under statute or otherwise, will not exceed the resupply of the Services to you.
You expressly understand and agree that Curfex, its affiliates, employees, agents, contributors and licensors shall not be liable to you for any direct, indirect, incidental, special consequential or exemplary damages which may be incurred by you, however caused and under any theory of liability.
This shall include, but is not limited to, any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation and any other intangible loss.
The Terms will continue to apply until terminated in writing by
Curfex may at any time, suspend or terminate your Account, without notice, if:
You agree to indemnify Curfex, its affiliates, employees, agents, contributors, third party content providers and licensors from and against:
If a dispute arises out of or relates to the Terms, either party may not commence any Tribunal or Court proceedings in relation to the dispute, unless the following clauses have been complied with (except where urgent interlocutory relief is sort).
A party to the Terms claiming a dispute ('Dispute') has arisen under the Terms, must give written notice to the other party detailing the nature of the dispute, the desired outcome and the action required to settle the Dispute.
On receipt of that notice ('Notice') by that other party, the parties to the Terms ('Parties') must:
All communications concerning negotiations made by the Parties arising out of and in connection with this dispute resolution clause are confidential and to the extent possible, must be treated as "without prejudice" negotiations for the purpose of applicable laws of evidence.
Termination of Mediation.
If a reasonable period of time has elapsed after the start of a mediation of the Dispute and the Dispute has not been resolved, either Party may ask the mediator to terminate the mediation and the mediator must do so.
Any dispute arising out of or in connection with the Terms shall be resolved by the Parties through mutual good faith consultation, failing which the same shall be referred and governed by the jurisdiction of Hong Kong.
If any part of these Terms is found to be unenforceable by a Court of law, that part will be enforced to the maximum extent permissible under the applicable law. The remainder of the Terms shall remain in full force and effect.