Terms and Conditions for Electronic Real Time Direct Debit Authorisation Services (“eDDA Services”)

即時直接付款授權服務使用條款及細則 (「eDDA 服務」)

1. I/We hereby authorise my/our designated bank or Stored Value Facility Licensee (as defined in the Payment Systems and Stored Value Facilities Ordinance (Cap. 584 of the Laws of Hong Kong) and shall be called as “SVF Licensee”) to connect my/our account to the Bright Smart Group’s¹ bank accounts of The Hongkong and Shanghai Banking Corporation Limited, Hang Seng Bank Limited, Bank of China (Hong Kong) Limited at the same time to execute the direct debit authorisation.
   
   I/We agree to authorise my/our designated bank or SVF Licensee to effect transfer from my/our account to the Bright Smart Group in accordance with my/our payment instruction, such transfer shall collectively be called as “Transfer”. The Bright Smart Group may select one of the above-mentioned banks as a receiving bank.

   本人/吾等現授權本人/吾等的指定銀行或儲值支付工具持牌人(具有香港法例第584章《支付系統及儲值支付工具條例》下的涵義，以下稱為”儲值支付工具持牌人”)，將本人/吾等的銀行賬戶同一時間連接耀才集團² 所指定的香港上海滙豐銀行有限公司，恒生銀行有限公司及中國銀行(香港) 有限公司的銀行帳戶，藉此達成直接付款授權。
   
   本人/吾等同意本人/吾等的指定銀行或儲值支付工具持牌人需根據本人/吾等的付款指示轉賬予耀才集團，而此類轉賬統稱為“該等轉賬”。耀才集團可自行安排上述三間銀行其中一間作為收款銀行。

2. Since my/our bank or SVF Licensee has been authorised by me/us to carry out the Transfer to the Bright Smart Group, I/We agree that my/our bank or SVF Licensee shall not be obliged to ascertain whether or not any such Transfer or reversal of such Transfer has been notified to me/us.

   由於本人/吾等已授權本人/吾等的銀行或儲值支付工具持牌人直接付款予耀才集團，本人/吾等同意本人/吾等的銀行或儲值支付工具持牌人毋須證實該等轉賬或沖銷該等轉賬是否已通知本人/吾等。

3. I/We agree that my/our bank or SVF Licensee may levy its usual administration charges and/or relevant charges for the setup of the direct debit authorization, I/We agree to bear the aforesaid charges. I/we should contact my/our bank or SVF Licensee to clarify.

   本人/吾等清楚明白就有關上述直接付款授權時，本人/吾等的銀行或儲值支付工具有可能向本人/吾等收取相關的行政費及/或其他費用，本人/吾等亦同意支付。本人/吾等應與本人/吾等的銀行或儲值支付工具持牌人了解。

4. I/We jointly and severally accept full responsibility for any overdraft (or increase in existing overdraft) on my/our account which may arise as a result of any such Transfer(s).

   如因該等轉賬而令本人/吾等的戶口出現透支 (或令現時的透支增加)，本人/吾等願共同及各別承擔全部責任。

5. I/We understand that I/we must maintain sufficient funds in the account at the time of the Transfer. I/We agree that should there be insufficient funds in my/our account to meet any Transfer, my/our bank or SVF Licensee will be entitled, at its absolute discretion, not to effect such a Transfer in which event my/our bank or SVF Licensee may levy its usual charges and may cancel this authorisation at any time without notification to me/us. The Bright Smart Group may also levy its own usual charges on me/us as appropriate. For the avoidance of doubt, my/our bank or SVF Licensee may cancel this authorisation at its sole discretion at any time without prior notice.

   本人/吾等明白本人/吾等户口於授權轉賬時必須備有足夠存款支付該等轉賬。本人/吾等並同意如本人/吾等的户口並無足夠存款支付該等轉賬，本人/吾等的銀行或儲值支付工具持牌人有絕對酌情權不予轉賬，且本人/吾等的銀行或儲值支付工具持牌人可收取慣常的收費，並可随時取消該等轉賬且毋須通知本人/吾等。耀才集團亦可向本人/吾等收取合適的慣常收費。為避免疑問，本人/吾等的銀行或儲值支付工具持牌人可隨時自行決定取消該等轉賬且毋須通知本人/吾等。

6. I/We irrevocably authorise the Bright Smart Group to transfer, debit or deduct any money in my/our account opened and maintained with the Bright Smart Group so as to pay, discharge, satisfy the liabilities, including the outstanding moneys, fees, charges and expenses payable by me/us under and pursuant to the terms and conditions herein.

   本人/吾等不可撤回地授權耀才集團轉讓、扣除或扣減本人/吾等在耀才集團開立及維持的賬戶中的任何款項，以向耀才集團支付、解除及清償債務，包括本人/吾等根據此等使用條款及細則而應付而未償還價錢、費用、收費及開支。

7. I/We agree that by default, this real time direct debit authorisation shall have no maximum limit of the amount in each Transfer or expiry date.

   本人/吾等同意本即時直接付款授權的每筆最高限額預設為無上限，而本授權亦預設為沒有限期。

8. This real time direct debit authorisation shall have effect until further notice. I/We agree that if no transaction is performed on my/our account under such authorisation for a continuous period of 30 months, my/our bank or SVF Licensee reserves the right to cancel the direct debit arrangement without prior notice to me/us, even though the authorisation has not expired or there is no expiry date for the authorisation.

   本即時直接付款授權將繼續生效直至另行通知為止。本人/吾等同意如本人/吾等已設立的直接付款授權的戶口連續三十個月內未有根據授權而作出過賬的紀錄，本人/吾等的銀行或儲值支付工具持牌人保留權利取消直接付款安排而毋須另行通知本人/吾等，即使本授權並未到期或未有註明授權到期日。

9. I/We agree that any notice of cancellation or variation of this authorisation which I/we may give to my/our bank or SVF Licensee shall be given at least two working days prior to the date on which such cancellation or variation is to take effect. I/We agree that my/our bank or SVF Licensee may notify the Bright Smart Group of such cancellation or variation. For any notice of cancellation or variation of this authorisation, I/we agree to notify the Bright Smart Group directly in writing at least two working days prior to the date on which such cancellation or variation is to take effect

   本人/吾等同意就取消或更改本授權的任何通知，須於取消或更改生效日最少兩個工作天之前交予本人/吾等的指定銀行或儲值支付工具持牌人。本人/吾等同意本人/吾等的指定銀行或儲值支付工具持牌人可通知耀才集團關於該等取消或更改本授權。就上述取消或更改本授權的任何通知，本人/吾等同意於取消或更改生效日最少兩個工作天之前直接書面通知耀才集團。

10. I/We agree that in case of discrepancies between the status of Transfer shown on the trading software and the actual status of the Transfer, the actual status of the Transfer shall prevail.

    本人/吾等同意如本交易軟件上顯示有關該等轉賬的狀態與該等轉賬的實際轉賬情況不同，應以該等轉賬的實際轉賬情況為準。

11. In case of discrepancies between the English and Chinese versions of the terms and conditions hereunder, the Chinese version shall apply and prevail.

    此等使用條款及細則的中英文本如有歧義，須以中文本為準。

12. I/we have sought independent legal advice and have also understood and accepted all the terms and conditions herein. I/We confirm that by clicking the “Set-Up” button, I/we have fully considered, consented and accepted to the terms and conditions herein.

    本人/吾等已尋求獨立法律意見，並完全明白及接受所有此等使用條款及細則。本人/吾等確認本人/吾等在按下“登記”鍵後，即本人/吾等已完全理解、同意及接受此等使用條款及細則。

¹“Bright Smart Group” means Bright Smart Securities International (H.K.) Limited and/or Bright Smart Futures & Commodities Company Limited.
²“耀才集團” 指耀才證券國際(香港)有限公司及/或耀才期貨及商品有限公司。