第一条 总则
JCPAY公司（以下简称“JCPAY”）依据本《JCPAY服务协议》（以下简称“本协议“）的规定为用户（以下有时也称“您“）提供服务，本协议在用户和JCPAY公司间具有合同上的法律效力。JCPAY公司在此特别提醒用户认真阅读、充分理解本协议各条款，特别是其中所涉及的免除、减轻JCPAY公司责任的条款、对用户权利限制条款、争议解决和法律适用等。其中，限制、免责条款可能以黑体加粗或加下划线的形式提示您重点注意。请用户审慎阅读并选择接受或不接受本协议（未成年人应在监护人陪同下阅读）。除非用户接受本协议所有条款，否则用户无权使用JCPAY公司于本协议下所提供的服务。用户一经注册或使用JCPAY服务即视为对本协议所有条款的理解和接受。

第二条 定义
担保支付服务：指您与合作方发生交易时，通过 “担保支付”服务付款给合作方后，款项即时到达JcPay平台冻结账户；同时您享有维权保障，您可以向JcPay提出关于当次交易的维权申请。
维权：指用户在维权保障期内，因与合作方有纠纷时，而要求JcPay介入处理合作方与用户之间交易纠纷的申请。

第三条 用户的权利义务
（一）您确认在使用本服务的意思表示出自其真实意愿；同时您对使用本服务过程中发出的指令的真实性及有效性承担全部责任，该指令不可变更或撤销。您承诺，JcPay依照您的指令进行操作的一切风险均由您承担。
（二）您同意承诺不会利用本服务从事任何非法的或违反本协议目的或者侵犯其他第三方权益的行为，否则JcPay有权立即单方面终止提供本服务，并不承担任何责任；如果因您的行为给JcPay造成损失的，您应承担全部赔偿责任。
（三）您授权JcPay在您使用本服务期间或JcPay终止提供本服务后，有权保留您在使用本服务期间所形成的相关信息数据，同时该授权不可撤销。
（四）您同意《担保支付维权处理规则》作为本协议不可分割的组成部分。
（五）您在使用JcPay提供的本项服务时，必须同时遵守JcPay网站不时公布的《JcPay服务协议》及相关附属规则，否则因此导致责任，均由您自行承担。
（六）您明确知道，您通过“担保支付”方式向合作方付款的，款项即时到达JcPay平台冻结账户。
（七）您理解并同意，当您与合作方发生交易纠纷时，只有满足以下条件时您才可向JcPay提起维权申请：
1、您必须是经过JcPay审核通过的用户；
2、在平台内发起纠纷申请；
3、且您与合作方就交易纠纷无法协商一致。
（八）您理解并同意，JcPay在接到您的维权申请后，根据本协议集《担保支付维权处理规则》等规则处理您与合作方的纠纷，但并不保证JcPay的处理结果一定符合您的期望。
（九）在您维权成功后，JcPay会从合作方的JcPay账户中扣取相应款项退还到您当次用于付款的JcPay账。
（十）您对JcPay担保支付服务如有疑问、建议或意见时，可拨打JcPay客服电话或登录JcPay网站进行咨询和投诉。

第四条 JcPay的权利、义务
（一）JcPay对您的注册信息负有保密义务，但在必要时JcPay有权将相关信息提供给JcPay的监管机关等。
（二）JcPay有义务在技术上确保担保支付系统的安全、有效、正常运行，保证您正常使用的顺利进行。
（三）JcPay可以在法律法规许可和您授权的范围内使用您的资料和交易记录，您在此确认JcPay有权使用您在使用本服务过程中产生的所有信息。
（四）您向JcPay提出维权申请前，JcPay不主动介入您与合作方之间的纠纷。
（五）JcPay对于以下申请，有权不予受理：
（1）您在支付完成后提出的申请；
（2）您已向申请司法机关介入且已被受理的；
（3）其他根据交易纠纷的复杂情况难以作出具体责任划分的交易。
（六）JcPay有权根据本协议及其附属规则——《担保支付维权处理规则》，以及《JcPay服务协议》等内容处理您向JcPay提出的维权申请，并有权决定将款项退还给您或者将该款项在JcPay平台账户中解冻。
（七）除本协议另有规定外，JcPay在提前邮件通知您或在网站公告的情况下，可以单方面终止向您提供本服务，并不承担任何赔偿责任。JcPay在终止提供本服务后，若发现您之前存在违法或违反本协议目的的使用行为，给JcPay造成损失的，则JcPay仍可据此要求您承担相应赔偿责任并保留通过司法途径予以解决的权利。
（八）JcPay负责向您提供担保支付的咨询服务，并在JcPay网站公布功能介绍、使用规则等内容。

第五条 协议修改
（一）JcPay将有权随时修改本协议的有关条款，一旦相关内容发生变动，JcPay公司将会通过电子邮件或网站公告等方式向您提示修改内容。
（二）如果您不同意JcPay对本协议相关条款及其附属规则（包括《担保支付维权处理规则》等）所做的修改，您应立即停止使用JcPay提供的本项服务。如果您继续使用JcPay提供的服务，则视为您接受并认可本协议相关条款及其附属规则的修改。|

第六条 争议的解决
双方在履行本协议的过程中，如发生争议，应协商解决。协商不成的，任何一方均可向JcPay所在地法院提起诉讼。

第七条 协议的解释
本协议的成立、生效、履行和解释，均适用中华人民共和国法律；法律无明文规定的，应适用JcPay公司制定的业务规则和通行的商业惯例。本服务协议未规定部分依照《JcPay服务协议》及相关附属规则予以履行；本协议与《JcPay服务协议》及相关附属规则相冲突的，以本协议为准。

第八条 完整协议
本协议由本协议条款与《担保支付争议处理规则》等本网站公示的各项规则组成，相关名词可互相引用参照，如有不同理解，以本协议条款为准。
您对本协议理解和认同，您即对本协议所有组成部分的内容理解并认同，一旦您使用本服务，您和本公司即受本协议所有组成部分的约束。
本协议未约定事宜，均以JcPay网站所不时公布的《JcPay服务协议》及相关附属规则为补充；本服务协议与《JcPay服务协议》及相关附属规则不一致的地方，以本协议为准。

Chapter I General and Definitions

Article 1 Purpose
These Rules are hereby formulated to maintain and optimize the order on JcPay, to better safeguard the legitimate rights and interests of users on JcPay, and also to facilitate users’ understanding and use of the Secure Payment service.

Article 2 Scope of Application
These Rules, as part of the JcPay International Platform Rules, govern online transactions conducted by users on JcPay using the Secure Payment service; matters not covered in these Rules are governed by JcPay International Platform Rules.

Article 3 Definitions
3.1 Payor
Payor refers to a user of JcPay that enters into an Online Order on JcPay.

3.2 Payee
Payee refers to a user of JcPay that enters into an Online Order on JcPay.

3.2 Payee
Payee refers to a user of JcPay that enters into an Online Order on JcPay.

3.3 Online Order
Online Order refers to the contract entered into by the Payor and the Payee through the onlinepayment system of JcPay.

3.4 Payment Instructions
The Payor may make payment for an order through its own JcPay account or engage others to make such payment. Where the Payor engages another to make payment, he/she must properly keep the receipt for such payment.

3.5 Collection Instructions
When using the Secure Payment service, the Payee must collect payment for an Online Order through an JcPay Account. Payment Release from an Account refers to the remittance by JcPay of the payment for an Online Order in whole or in part in accordance with these Rules, which was paid into the collection account of Secure Payment designated by JcPay, into the account designated by the Payee, hereinafter also referred to as “Payment Release”. After Payment Release, if the Payee intends to withdraw cash.

3.6 Settlement Currency
An Online Order must be settled in USD. Technical Service Fees referred to herein will be calculated, paid and collected in USD.

3.7 Technical Service Fee
The Technical Service Fees for Secure Payment are borne by the Payee (automatically calculated and included into the payment for an Online Order). JcPay reserves the right to adjust the Technical Service Fee and its collection method.

3.8 Bank Charges
Bank Charges refer to the fees charged by a bank or third party financial institution during the payment and collection of transactions, which will be borne by the payee. Both the Payor and Payee should bear the risk of fluctuations in exchange rate.

Article 4 Payment Release from Secure Payment Account
Once an Online Order is fulfilled after the Payor confirms online, JcPay will conduct the Payment Release from the Secure Payment account.

Chapter II Dispute Settlement

Article 5 Dispute Settlement
5.1 Filing, acceptance and determination of disputes over Online Order transactions are subject to the transaction dispute settlement procedures and rules set forth in the Rules for Transactions on JcPay. In addition, the Payor and the Payee may also directly file an application for dispute settlement through the Online Order management platform .
5.2 In addition to direct evidence recorded in the online trading system of JcPay such as Online Orders, delivery documents and other materials submitted through the system, parties to a dispute may also provide the following supporting materials:
(1) Written communications relating to the transaction between the parties;
(2) Quality testing reports of the product; and
(3) Other supporting evidence that can substantiate their claim.

Article 6 Determination of Disputes
6.1 If it is proven by the relevant evidence that the Payee has breached the Online Order or JcPay Transaction-Related Rules, JcPay will determine that the Payee is in default, request the Payee to refund relevant payment and impose a corresponding penalty against the Payee. 6.2 After the Payor receives the refund, the relevant Online Order will be terminated.

Article 7 Closure of Online Order
An Online Order will be closed if:
7.1 both parties mutually agree to cancel the Online Order through consultation after the Payor makes payment yet before the Payee delivers the product;
7.2 JcPay determines to close the Online Order after accepting the complaint and making its determination;
7.3 the Payor and the Payee or the performance of the transaction contract violates or are suspected of having violated laws, regulations, policies, rules, orders of competent authorities, or the JcPay service agreement, website policies and rules; or
7.4 either party has its account on JcPay closed for any reason, or cannot perform the contract due to penalties.

Chapter IIIMiscellaneous

Article 8 Relevant Rules
8.1 When using the Secure Payment service, the user must also comply with relevant agreements it enters into with JcPay and/or its affiliates, such as the JcPay Services Agreement.
8.2 JcPay provides users with various interfaces for the Secure Payment service. When using the Secure Payment service, users must also comply with relevant rules applicable to the actual transaction circumstances.

Article 9 Amendment and Acceptance
9.1 JcPay will, based on the actual implementation of the Secure Payment service, improve and amend these Rules from time to time and publish the same on JcPay. The amended Rules will become effective on the date of publication or the specified date.
9.2 Any users that do not agree with these Rules or the updated version of the Rules should immediately terminate their use of the Secure Payment service. By entering into and performing an Online Order or using the Secure Payment service, users will be deemed to have accepted and agreed to these Rules.
9.3 In the event of any inconsistency between the English and Chinese versions of these Rules, the Chinese version will always prevail.