Curfex

Debit Card Policy

1. INTRODUCTION

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.


2. GENERAL PROVISIONS

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.


3. DEFINITIONS

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.


4. MANAGEMENT OF THE CARD

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.


5. USE OF THE CARD

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.

  1. pre-authorized regular payments;
  2. transactions involving cash receipt (other than ATM withdrawal) including for example cash back, money orders, traveller’s cheques, foreign exchange, or any illegal purposes;
  3. transactions which violate the laws and regulations or are contrary to public order and morality;
  4. if the Member uses a Card that does not belong to the Member;
  5. if Curfex deems that the Card is being used without the authorization of the Member of that Card; or
  6. if Curfex deems that there is any justifiable reason other than those in the foregoing items which requires its refusal to permit use of the Card.

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.


6. REFUND

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 hello@curfex.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.