Standard Chartered Bank (China) Limited
Service Terms and Conditions of GBA Northbound Wealth Management Connect Service
本条款及细则适用于跨境理财通北向通服务（定义见下文）下由渣打中国提供的服务，包括但不限定于内地人民币投资账户（定义见下文）的开立及维护、于渣打中国发起的资金闭环划汇及购买渣打中国销售的投资理财产品。客户（定义见下文）如使用跨境理财通北向通服务，即表示其同意受此等条款约束。本条款及细则、渣打中国跨境理财通北向通服务申请表以及渣打中国与客户之间不时就跨境理财通北向通服务达成的任何适用条款一并构成渣打中国跨境理财通北向通业务协议。跨境理财通北向通服务下由渣打香港提供的服务，包括但不限于香港汇款账户的开立及维护、于渣打香港发起的资金闭环划汇、合资格投资者的厘定等，则受客户与渣打香港签订的服务协议约束。
These terms and conditions shall apply to the services provided by Standard Chartered Bank (China)Limited under the GBA Northbound Wealth Management Connect Service (as hereinafter defined), including but not limited to the opening and maintenance of RMB Investment Accounts (as hereinafter defined) in the Mainland, closed-loop remittance of funds initiated in Standard Chartered Bank (China) Limited and the purchase of investment and wealth management products sold by Standard Chartered Bank (China) Limited. The Clients’ (as hereinafter defined) use of the GBA Northbound Wealth Management Connect Service means that they agree to be bound by these terms. The services provided by Standard Chartered Bank (Hong Kong) Limited under the GBA Northbound Wealth Management Connect Service including but not limited to the opening and maintenance of Hong Kong remittance accounts, the closed-loop remittance of funds initiated in Standard Chartered Hong Kong and determination of eligible investors, are subject to the service agreements entered into by and between the Clients and Standard Chartered Bank (Hong Kong) Limited.
释义：
Definitions:
“监管机关”指对本行任何部分及跨境理财通北向通服务具有管辖权之任何本地或外国司法、行政、公共或监管机构、任何政府、证券或期货交易所、法院、中央银行或执法机构、金融服务供货商之自律或行业机构或协会，或任何上述机关之代理机构，包括但不限于中国人民银行、中国银行保险监督管理委员会、中国证券监督管理委员会、国家外汇管理局、香港金融管理局及香港证券及期货事务监察委员会。
Competent Authorities refer to any local or foreign judicial, administrative, public or regulatory authority, any government, securities or futures exchange, court, central bank or law enforcement agency, self-regulatory or industry organization or association of financial service providers, etc., or agency of any of the above institutions, including but not limited to the People’s Bank of China, China Banking and Insurance Regulatory Commission, China Securities Regulatory Commission, State Administration of Foreign Exchange, Hong Kong Monetary Authority and Hong Kong Securities and the Futures Commission, which has a jurisdiction over any part of the Bank and GBA Northbound Wealth Management Connect Service.
“本行”指渣打银行（中国）有限公司及其分行、支行及其它子公司，以及其继承人及受让人。
The Bank refers to Standard Chartered Bank (China) Limited and its branches, sub-branches and other subsidiaries, as well as its successors and assignees.
“大湾区”指粤港澳大湾区（Guangdong-Hong Kong-Macao Greater Bay Area，缩写GBA），由香港、澳门两个特别行政区和广东省广州、深圳、珠海、佛山、惠州、 东莞、中山、江门、肇庆九个珠三角城市（“内地城市”）组成。
Greater Bay Area/GBA refers to the Guangdong-Hong Kong-Macao Greater Bay Area, which consists of Hong Kong special administrative region, Macao special administrative region and nine cities (“Mainland Cities”) in Guangdong province: Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing.
渣打银行（中国）有限公司（简称“渣打中国”）投资账户（简称“投资户”），是指客户指定的以其本人名义在渣打中国新开立（或已有）的个人人民币银行账户（I类账户），用于购买“跨境理财通北向通服务”项下合资格理财（投资）产品。
Standard Chartered Bank (China) Limited (hereinafter referred to as SCB China) Investment Accounts (hereinafter referred to as “Investment Accounts”) refer to personal RMB bank accounts (Type I Accounts) newly opened (or existing) in their own names in SCB China designated by the Clients, which are used to purchase wealth management (investment) products under the GBA Northbound Wealth Management Connect Service.
渣打银行（香港）有限公司（简称“渣打香港”）汇款账户（下称“汇款户”），是指以客户名义在渣打香港开立并维持，符合适用法律法规及监管机关相关要求的具有跨境汇款功能的银行账户。该银行账户由客户指定并经本行同意藉此提供跨境理财通北向通服务。
Standard Chartered Bank (Hong Kong) Limited (hereinafter referred to as “SCB HK”) Remittance Accounts (hereinafter referred to as “Remittance Accounts”) refer to the Bank accounts opened and maintained in the names of the Clients in SCB HK that have the function of cross-border remittance and comply with Applicable Laws and Regulations and relevant requirements of Competent Authorities. Such bank accounts shall be designated by the Clients and approved by the Bank to be used in providing the GBA Northbound Wealth Management Connect Service.
“合格投资者”（又称“客户”）：经渣打香港根据香港金融管理局（简称“香港金管局”）关于服务合资格投资者要求审核通过的香港居民。在文义允许之情况下，包括客户的个人代表及合法继任人。
Eligible Investor(s) (hereinafter referred to as the “Client(s)”) refer to Hong Kong residents who have been examined and approved by SCB HK in accordance with the requirements of the Hong Kong Monetary Authority (“HKMA”) on eligible investors of GBA Northbound Wealth Management Connect Service. Where the context permits, it includes the Clients’ personal representatives and legal successors.
“香港居民”，即香港特别行政区居民，根据《中华人民共和国香港特别行政区基本法》第三章第二十四条，香港特别行政区居民分为“永久性居民”和“非永久性居民”两类。
Hong Kong Residents refer to residents of the Hong Kong Special Administrative Region. In accordance with Article 24 of Chapter 3 of The Basic Law of the Hong Kong Special Administrative Region of the People’s Republic of China, residents of the Hong Kong Special Administrative Region are divided into two categories: Permanent Residents and Non-permanent Residents.
“合资格理财（投资）产品”指根据适用法律法规及本行不时订明的规定客户获准在跨境理财通北向通服务下投资的任何理财产品或投资产品。
Qualified Wealth Management (Investment) Products refer to any wealth management products or investment products that clients are approved to invest under the Northbound Service in accordance with Applicable Laws and Regulations and the regulations prescribed by the Bank from time to time.
“适用法律法规” 指不时颁布地适用于本行和客户或跨境理财通北向通服务的法律、法规、监管机关的规定、指引、要求、意见等文件。
“Applicable Laws and Regulations” refer to the laws and regulations, and rules, guidelines, requirements, opinions and other documents of Competent Authorities that are applicable to the Bank and the Clients or to GBA Northbound Wealth Management Connect Service issued from time to time.
1. 服务定义：跨境理财通北向通服务（下称“服务”或称“北向通”）是本行为合格投资者在本行大湾区内地城市分支机构开立个人人民币投资户并允许其通过闭环式资金管道从渣打香港汇入资金购买本行销售的合资格理财（投资）产品。
Definition of Service: GBA Northbound Wealth Management Connect Service (hereinafter referred to as “Service” or “Northbound Service” ) enables Eligible Investors to open personal RMB Investment Accounts in the GBA branches and remit funds from SCB HK through a closed-loop fund channel to purchase Qualified Wealth Management (Investment) Products sold by the Bank.
2. 服务范围：
Scope of Service:
(a) 将客户于本行开立的投资户与其本人在渣打香港开立的汇款户进行一对一配对绑定；
One-to-one matching and binding between the Clients’ Investment Accounts opened in the Bank and Remittance Accounts of their own opened in SCB HK;
(b) 该投资户可接受客户从渣打香港汇款户汇入人民币资金并对该部分资金进行封闭或专户管理以及实行资金闭环管理，该部分资金可用于：
The Investment Accounts are used for receiving RMB funds remitted by the Client from the Remittance Accounts in SCB HK and for closed or special account management and closed-loop management of such funds. Such funds can be used to:
i.购买本行销售的合资格理财（投资）产品；
Purchase Qualified Wealth Management (Investment) Products sold by the Bank.
ii.连同该部分资金产生的活期利息以及因购买上述合资格理财（投资）产品到期或赎回后所得本金和收益（如有）原路汇回其汇款户。
Remit back to their Remittance Accounts in the original way together with the current interest generated from such funds, the principal and income received after the maturity or redemption of the above-mentioned Qualified Wealth Management (Investment) Products purchased by the Client.
3. 申请服务
Application of Services
3.1 客户须按照本行不时订明之程序及要求，以申请服务，包括但不限于以下各项：
The Client must apply for Service in accordance with the procedures and requirements made by the Bank from time to time, including but not limited to the following:
(a) 确认并无在中国内地其他银行或金融机构办理北向通服务；
Confirm that they have not engaged in any Northbound Service in other banks or financial institutions in Mainland China;
(b) 在本行开立及维持一个投资户，并签署《跨境理财通服务申请表》就此申请服务；
Open and maintain an Investment Account with the Bank, and sign the SCB CN GBA Northbound Wealth Management Connect Service Application Form to apply for the Service;
(c) 在渣打香港，开立及维持同名汇款户，就服务指定该账户与本行的投资户进行一对一配对绑定，用于资金闭环汇划；就渣打香港汇款户的相应权利和义务，应遵循客户与渣打香港之间的相关约定；
Open and maintain a Remittance Account in the same name with SCB HK, and designate such Remittance Account to match and bind with the Investment Account with the Bank for closed-loop fund remittance for the Service. The rights and obligations in relation to the Remittance Account with SCB HK should be subject to relevant agreement between the Client and SCB HK;
(d) 遵循本行规定的程序及提供有关信息及文件，包括为遵守适用法律法规而需要客户向本行提供的有关身份证明信息及／或文件。
Follow the procedures that the Bank may stipulate from time to time and provide relevant information and documents, including relevant identification information and/or documents that may be required by the Bank to comply with Applicable Laws and Regulations.
3.2 客户申请及使用服务须获本行批准。若本行认为有合理理由，本行可拒绝客户申请或使用服务。尤其是，即使客户已执行申请步骤及提供所需信息，本行仍可拒绝客户之申请。
The Client’s application and use of the Service shall be approved by the Bank. The Bank may refuse the Client’s application and use of the Service on reasonable grounds by its own determination. In particular, even if the Client has performed the application steps and provided the required information, the Bank can still reject the Client’s application.
3.3 客户一经申请使用北向通服务，即表示同意、确认及承诺：
The Client hereby agrees, confirms, and promises upon the application or use of the Service:
(a) 客户已符合本行及适用法律法规订明的资格条件；
The Client has met the qualification required by the Bank and Applicable Laws and Regulations;
(b) 客户将持续遵守适用法律法规；
The Client will continue to comply with Applicable Laws and Regulations;
(c) 若香港汇款账户被暂停、终止或以可能影响服务的方式被更改，客户将立即以书面形式通知本行。
The Client will immediately notify the Bank in writing if the Hong Kong remittance account is suspended, terminated or changed in a way that may affect the service.
4. 资金转账及汇划：
Fund Transfer and Remittance:
北向通服务项下的所有资金转账及汇划均受本条款及细则、本行不时订明的有关资金转账和跨境汇款的其他规定及适用法律法规的约束及规范。
All fund transfers and remittances under Northbound Service are subject to these terms and conditions, other provisions and Applicable Laws and Regulations on fund transfers and cross-border remittances prescribed by the Bank from time to time.
(a) 客户仅可通过将渣打香港汇款户与本行的人民币投资户绑定的方式进行闭环汇划；
The Client can only remit fund in a closed-loop way by binding the Remittance Account with SCB HK with the RMB Investment Account with the Bank;
(b) 渣打香港汇款户与本行的人民币投资户的所有跨境汇款必须以人民币进行；
All cross-border remittances between the Remittance Account with SCB HK and the Bank the RMB Investment Account with the Bank shall be made in RMB;
(c) 额度管理： 客户通过北向通汇入内地的资金汇入额受限适用法律法规关于 “跨境理财通 “业务试点总额度以及单个投资者额度管理；
Quota Management: The amount of funds remitted by the Client to the Mainland under Northbound Service is limited by Applicable Laws and Regulations on the Industry Quota of the “Wealth Management Connect Service” business pilot and the Individual Investor Quota;
– “跨境理财通 ”业务试点总额度：根据适用法律法规，“跨境理财通 ”业务实行总额度管理，跨境理财通北向通资金净流入额（即，北向通资金累计流入额 – 北向通资金累计流出额）不得超过总额度（由中国人民银行广州分行和深圳市中心支行每个工作日通过官方网站公布总额度使用情况）。当总额度达到上限时，本行将无法办理跨境理财通北向通资金跨境汇入，仅可办理资金跨境汇出；
– Industry Quota of the “GBA Wealth Management Connect Service” business pilot: in accordance with Applicable Laws and Regulations, the “GBA Wealth Management Connect Service” is subject to Industry Quota management, and the net funds inflow under the Northbound Service (that is, the cumulative capital inflow under Northbound Service – the cumulative capital outflow under Northbound Service) shall not exceed the Industry Quota (The usage of the Industry Quota shall be announced by Guangzhou Branch and Shenzhen Central Branch of the People’s Bank of China on the official website every working day). When the usage of the Industry Quota reaches the upper limit, the Bank will not be able to handle the inward cross-border remittance under the Northbound Service but can only handle the outward cross-border remittance;
– 单个投资者额度：根据适用法律法规， “跨境理财通 ”业务实行单个投资者额度管理，单个投资者跨境理财通北向通资金净汇入额（即，北向通资金累计汇入额 – 北向通资金累计汇出额）不得超过单个投资者额度，当额度达到上限时，本行将无法为客户办理跨境理财通北向通资金汇入，目前单个投资者额度为100万元人民币；
– Individual Investor Quota: in accordance with Applicable Laws and Regulations, the “GBA Wealth Management Connect Service” is subject to Individual Investor Quota management, and the net inward amount of funds under the Northbound Service of an individual investor (that is, the cumulative inward amount of funds under Northbound Service – the cumulative outward amount of funds under Northbound Service) shall not exceed the Individual Investor Quota. When the quota reaches the upper limit, the Bank will not be able to handle the inward cross-border remittance under the Northbound Service for the Client. At present, the quota for an individual investor is RMB 1 million.
跨境理财通业务试点总额度和单个投资者投资额度如有调整，将通过中国人民银行广州分行、中国人民银行深圳市中心支行官方网站公布。
The People’s Bank of China has the right to adjust the Industry Quota of the “GBA Wealth Management Connect Service” business pilot and the Individual Investor Quota based on the cross-border capital flow situation, and timely publish such quotas on the official websites of Guangzhou Branch of the People’s Bank of China and Shenzhen Central Branch of the People’s Bank of China.
5. 合资格理财（投资）产品：
Qualified Wealth Management (Investment) Products:
(a) 客户可以运用其在服务项下的资金投资合资格理财（投资）产品。客户可于本行移动银行投资产品交易平台查询合资格理财（投资）产品；
The Client can use the funds under the Service to invest in Qualified Wealth Management (Investment) Products. The Client can search for the Qualified Wealth Management (Investment) Products on the mobile trading platform for Qualified (Investment) Products;
(b) 本行有权不时更新合资格理财（投资）产品而不另行通知。本行有权单方面决定理财（投资）产品是否属于合资格理财（投资）产品。客户将仅获准购买属于合资格理财（投资）产品的投资产品，如该等投资产品不再属合资格理财（投资）产品，将被限制购买；
The Bank has the right to update the Qualified Wealth Management (Investment) Products from time to time without notice. The Bank will determine whether an investment product is a Qualified Wealth Management (Investment) Product in its sole and absolute discretion. The Client will only be allowed to purchase such investment products that are Qualified Wealth Management (Investment) Products. The Client will be forbidden from purchasing such investment products that are no longer Qualified Wealth Management (Investment) Products.
(c) 客户不得将其在投资户项下资金以及其在服务项下购买的合资格理财（投资）产品用于任何形式的质押等担保用途；
The Client shall not use the funds under the Investment Accounts and the Qualified Wealth Management (Investment) Products purchased under the Service for any form of pledge and other security purposes.
(d) 本行按照本行对理财、投资产品风险评级相关适用法律法规和内部政策对北向通理财（投资）产品风险等级进行动态评估调整，对不再适合作为北向通理财（投资）产品的，本行将及时告知已持有相关产品的客户，由客户自行选择持有或者赎回；
The Bank will dynamically assess and adjust the risk level of Northbound Service wealth management (investment) products in accordance with Applicable Laws and Regulations on risk rating of wealth management and investment products. If any product is no longer qualified as Northbound Service wealth management (investment) product, the Bank will timely inform the Client who has held such product. The Client can continue to hold or redeem such product in his/her own choice.
(e) 理财、投资产品的详细风险提示及具体产品信息，请仔细阅读相关产品销售文件，并以相关产品销售文件为准。客户应充分认识投资风险，根据自身的风险承受能力，投资需求，财务状况，投资经验以及其他实际情况谨慎投资。
For detailed risk tips and specific product information of wealth management and investment products, please carefully read the relevant product sales documents, and the relevant product sales documents shall prevail. The Client shall fully understand the investment risk and invest cautiously based on his/her own risk tolerance, investment demand, financial status, investment experience and other actual conditions.
6. 个人信息
Personal Information
（a） 客户同意及确认经本行不时修订的《银行账户和服务条款及细则》中的“个人金融信息”条款将适用于客户本人在申请和使用此服务时提供的所有信息（包括就服务向本行或渣打香港提供的信息）。
The Client hereby agrees and confirms that the “Customer Information and Disclosure” clause in the General Terms for Integrated Investment & Wealth Management Service as amended by the Bank from time to time will apply to all information provided by the Client while using the Service.
（b） 为处理客户申请及向客户提供服务，客户同意本行收集、使用客户的姓名、国籍、证件类型及号码、账户号码、汇款交易信息以及服务项下交易信息，并以服务需要或以遵守适用法律法规之目的为限披露给渣打香港(www.sc.com/hk)、跨境银行间支付清算有限责任公司(www.cips.com.cn)以及中国内地监管机关。同时，客户同意渣打香港、跨境银行间支付清算有限责任公司以服务需要或以遵守适用法律法规之目的收集、处理客户的前述信息。
In order to process the Client’s application and use of the Service, the Client agrees that the Bank may collect, use the Client’s name, the Client’s identification number, the account number of RMB Investment Account and the transaction information under the Service and disclose such information to SCB HK (www.sc.com/hk), China International Payment Service Corp. (www.cips.com.cn) and relevant authorities in mainland China, within the limitation of the needs of the Service or for the purpose of complying with Applicable Laws and Regulations. Meanwhile, the Client agrees that SCB HK and China International Payment Service Corp. can collect and process the aforementioned information of the Client for Service needs or for the purpose of complying with Applicable Laws and Regulations.
（c） 客户在此知晓并特别确认，上述信息中的客户本人证件号码、账户号码、汇款交易信息及服务项下交易信息均可能构成敏感信息（即，一旦遭到泄露、非法提供、滥用，可能导致被以违背客户本人主体意志的方式而使用或与其他信息关联分析，造成客户本人主体权益的重大风险），本行有权基于服务需要或以遵守适用法律法规之目的为限收集并在必要时披露予渣打香港、跨境银行间支付清算有限责任公司以及中国内地监管机关。
The Client hereby knows and specially confirms that the Client’s identification number, Remittance Account number, remittance transaction information and transaction information under the Service in the above information may constitute sensitive information (that is, once leaked, illegally provided or abused, it may be used against the will of the Client or related to other information, resulting in significant risks to the rights and interests of the Client) , and the Bank has the right to collect and disclose such information to SCB HK, China International Payment Service Corp. and relevant authorities in mainland China within the limitation of the needs of the Service or for the purpose of complying with Applicable Laws and Regulations.
7. 特别说明
Special Note
（a） 资金余额显示：因服务项下的资金实行闭环管理，该服务项下的资金余额及项下交易明细将在本行的月结单（及网银账户查询相关页面）上独立于人民币一类账户进行显示；
Fund balance display: since the fund under the Service is subject to closed-loop management, the fund balance and transaction details under the Service will be displayed independently of RMB Class I Account on the monthly statement (and relevant online banking account query pages);
（b） 因服务项下的资金实行闭环管理，若客户在本行已持有代销国内基金产品或存在在途代销国内基金交易，需要待客户完成结算已有交易后(即，赎回持有的所有代销国内基金产品以及关闭相关国内基金交易账户后) ，才可以开立服务；
Due to the closed-loop management of the funds under the Service, if the Client has held or has in transit consignment domestic fund transactions in the Bank, the Service can be started only after the Client has completed the settlement of existing transactions (that is, redeeming all products held by the Client and closing relevant fund transaction accounts);
（c） 合资格理财（投资）产品存续期间，本行可能相应调整产品风险评级，若客户持有的产品不再符合合资格理财（投资）产品的要求，本行有权拒绝客户的交易申请。
During the term of the Qualified Wealth Management (Investment) Products, the Bank may adjust the product risk rating accordingly. If the products held by the Client no longer meet the requirements of the Qualified Wealth Management (Investment) Products, the Bank is entitled to reject the Client’s transaction application.
（d） 若开通服务后，因适用法律法规变更或客户自身情况发生变化等原因，客户不再符合合格投资者的要求、或被取消参与北向通的资格，客户将不能再通过北向通服务进行除产品赎回外的其他交易，在这种情况下，客户应尽快赎回其在北向通服务项下持有的理财(投资)产品，或继续持有相关产品直至到期。
After the Client has subscribed to the Service, if the he/she is found to be no longer qualified for an Eligible Investor or disqualified from participating in Northbound Service due to reasons such as changes of Applicable Laws and Regulations or changes in the Client’s own situation, the Client will no longer be able to make other transactions except product redemption under the Northbound Service. In this case, the Client shall redeem the Wealth management (Investment) Products held by him/her, or continue to hold such products until their maturity date.
（e） 根据适用法律法规的要求，本行仅可在营业场所或通过电话、线上等渠道提供产品查询和购买理财(投资)产品服务。本行可应客户要求通过电话、线上等渠道对相关产品提供咨询、解释服务，但不得主动跨境邀请、招揽客户和提供投资建议，也无法前往港澳开展关于“跨境理财通”的实质性销售行为。
In accordance with Applicable Laws and Regulations, the Bank can only provide product inquiries and sell and purchase services at business premises or through telephone or online channels. The Bank can provide consultation and explanation services for related products through telephone, online and other channels at the request of the Client. However, the Bank cannot proactively invite, solicit the Client and provide investment advice across borders, nor can it go to Hong Kong and Macau to carry out sales activity of “GBA Wealth Management Connect Service”.
8. 限制、暂停或终止服务
Restriction, Suspension or Termination of Service
8.1 客户可通过本行不时公布的有关途径和方式终止服务的使用。为终止服务，客户应确保其在服务内投资的理财(投资)产品已经全部赎回，并将资金（本金、活期利息以及产品收益（如有））原路汇回汇款户。在受理客户的终止服务申请后，本行将不再接受或将退回客户在北向通服务项下汇入投资户的人民币跨境汇款，并且本行将解除客户人民币投资户和汇款户的闭环资金划汇关系。
Client can terminate the use of the Service through relevant channels announced by the Bank from time to time. To terminate the Service, the Client should ensure that all the wealth management products invested during the Service period have been redeemed, and that all funds (principal, current interest and product income) have been remitted to the Remittance Account in the original way. After accepting the Client’s service termination application, the Bank will terminate the closed-loop fund transfer between the Client’s RMB Investment Account and Remittance Account.
8.2 若出现下列违法违规情况，本行有权视情节严重暂停或终止客户使用服务，涉嫌违法的，将移交相关部门查处：
In the event of any of the following violations of laws and regulations, the Bank has the right to suspend or terminate the Client’s use of the Service according to the severity of the violations. If the Client is suspected to violate any law, the Bank will report to relevant government departments for investigation:
a) 提供虚假或隐藏重要事实的资料；
Providing information that is false or conceals material facts;
b) 违反账户开立相关规定；
Violation of account opening regulations;
c) 涉嫌洗钱、恐怖融资、逃税；
Suspected of money laundering, terrorist financing, tax evasion;
d) 使用非自有资金购买理财(投资)产品，代他人理财、募集他人资金或使用其他非自有资金进行投资；
Using non-own funds to purchase investment products, purchasing wealth management products on behalf of others, raising funds from others or using other non-own funds to invest;
e) 存在使用所购买的理财(投资)产品进行质押融资等担保行为；
Pledging the purchased investment products for financing purpose and other similar acts;
f) 其他违法违规行为。
Other violations of laws and regulations.
8.3 本行保留随时限制、暂停或终止客户使用服务而无需给予任何理由的权利。
The Bank reserves the right to restrict, suspend or terminate the Client’s use of the Service at any time without giving any reason.
8.4 在不损害第8.3条的一般性原则下，若出现下列情况，本行有权限制、暂停或终止客户使用服务：
Without prejudice to the general principles of Article 8.3, the Bank is entitled to suspend or terminate the Client’s use of the Service in the following circumstances:
8.4.1本行（或渣打香港）认为客户违反或可能违反本条款及细则或任何适用法律法规；或
The Bank (or SCB HK) believes that the Client has violated or may violate the terms and conditions hereof or any Applicable Laws and Regulations; or
8.4.2经渣打香港审核认为客户不再具备合资格投资者身份；或
As examined by SCB HK, the Client is no longer an eligible investor; or
8.4.3由于适用法律法规变更，本行提供服务成为或将成为不合法或不切实可行；或
Due to changes in Applicable Laws and Regulations, the Service provided by the Bank have become or will become illegal or impractical; or
8.4.4本行有理由相信，如果本行不终止服务，可能会使本行或集团的另一成员违反任何适用法律法规或受到监管机关的起诉、惩罚或谴责；或
The Bank has reason to believe that if the Bank does not terminate the Service, it may cause the Bank or another member of the group to violate any Applicable Laws and Regulations or be prosecuted, punished or condemned by relevant authorities; or
8.4.5根据监管机构相关要求，限制、暂停或停止客户使用服务（包括但不限于，取消客户参与服务的资格或者注销客户的账户）。
In accordance with the relevant requirements of the Competent Authorities, restrict, suspend or stop the Client’s use of the Service (including but not limited to canceling the Client’s qualification to participate in the Service or canceling the Client’s accounts).
8.5 如果客户在服务项下和本行人民币投资户绑定的渣打香港汇款户因任何原因被注销或关闭，则服务自动终止。
If the Client’s Remittance Account with SCB HK bound to RMB Investment Account with the Bank related to the Service is cancelled or closed for any reason, the Service will be automatically terminated.
8.6 本行对客户因暂停或终止使用服务所产生的任何损失不承担责任。
The Bank shall not be liable to the Client for any loss caused by the suspension or termination of use of the Service.
8.7 即使暂停或终止服务后，客户仍有责任履行及解除其于暂停或终止前设立或应有的义务及责任。此等条款中按其性质属持续的条款，于有关暂停或终止后将仍然有效，包括但不限于本行的免责声明、责任的限制以及合格投资者向本行作出的赔偿。
Even after the suspension or termination of the Service, the Client is obliged to perform and terminate the obligations and responsibilities established or due before such suspension or termination. The terms of a continuing nature will remain valid after such suspension or termination, including but not limited to the Bank’s disclaimer, the Bank’s limitation of liabilities and compensation made by Eligible Investors to the Bank.
8.8 尽管服务被暂停或终止，本行仍有权自行决定代客户履行在此之前客户进行的或本行代客户进行的交易或结算项下所产生的债务，而无需征得客户的任何形式的同意或者通知客户。此外，本行有权于暂停或终止服务时，自行酌情取消所有或任何未完成的指示。
Despite the suspension or termination of the Service, the Bank is entitled to, based on its own discretion and on behalf of the Eligible Investor, continue the transactions carried out by the Client or carried out by the Bank on behalf of the Client or settle the debts incurred thereunder, without obtaining permit of any form from the Client or giving any notice to the Client. In addition, the Bank is entitled to cancel all or any uncompleted instructions at its own discretion at the time of such suspension or termination.
9. 投诉建议
Complaints and Advice
客户有权监督本行服务质量，有权就本行北向通服务范畴内的投资户使用、跨境汇款、理财（投资）产品购买（赎回）等相应业务事宜对本行进行投诉和建议，本行将于本行官网公布客户服务电话和其他建议渠道。就汇款户开立、于香港发起的汇往投资户的跨境汇款及合资格投资者身份厘定及其他归属渣打香港北向通服务范畴内的相关事宜，客户应根据与渣打香港之间的相关约定，由渣打香港负责处理。
The Client has the right to supervise the Service quality of the Bank and to make complaints and suggestions to the Bank on use of Investment Account, cross-border remittance, product purchase (redemption) and other relevant matters related to the Northbound Service. The Bank will announce customer service hotline and other suggestion channels on the Bank’s official website. The opening of Remittance Accounts, cross-border remittances to Investment Accounts from Hong Kong, determination of eligible investor and other matters that belong to the Northbound Service provided by SCB HK should be handled by SCB HK in accordance with the relevant agreements between the Client and SCB HK.
10. 修订
Emendation
本行有权不时修改、更改、修订及／或增补本条款及细则。除本条款及细则另有规定外，本条款及细则的任何修订及／或增补任何本条款及细则下指定的项目及其它资料，一经本行通知（如属于本行决定的收费及费用调整（费用提高的除外），或涉及客户责任或义务的，需提前30天发出通知；其它变更，则由本行确定合理的期间）即生效，对客户有约束力。该等通知可以通过本行官网展示或其它本行认为恰当的形式发出。且客户在生效日后继续使用或未终止服务的情况下，有关修订即对客户具有约束力。
The Bank has the right to modify, change, amend and/or supplement these terms from time to time. Unless otherwise provided in these terms and conditions, any amendments to these terms and conditions and/or supplements to any items and other information specified in these terms and conditions will take effect immediately and be binding on Eligible Investors upon notified by the Bank (Except that fees and fee adjustments determined by the Bank (excluding fee increase) and terms involving responsibilities or obligations of Eligible Investors shall be notified to the Client 30 days in advance, reasonable notice period of other changes shall be determined by the Bank. ) . Such notices may be announced on the official website of the Bank or made in other ways that the Bank considers appropriate. In addition, if the Eligible Investors continue to keep or use the Northbound Service after the effective date of any amendments, such amendments shall become binding on the Eligible Investors on such effective date.
11. 客户确认及承诺
Client Confirmation and Commitment
客户知晓、确认及承诺：
The client knows, confirms, and promises:
a) 客户应遵守使用服务的所有适用法律法规并受本条款及细则的约束；
The client shall abide by all Applicable Laws and Regulations for the use of the service and be bound by these terms (which may be changed from time to time without notice);
b) 客户并无在中国内地其他银行或金融机构办理跨境理财通北向通服务；
The client has not handled cross-border wealth management northbound services with other banks or financial institutions in Mainland China;
c) 如客户的香港汇款户被暂停、终止或发生其他可能影响跨境理财通北向通服务的变化，客户应立即通知本行；
If the client’s Hong Kong remittance account is suspended, terminated, or there are other changes that may affect the Northbound Cross-border Financial Link Service, the client shall immediately notify the Bank.
d) 客户不得以任何非法或违反任何适用法律法规的方式或以任何违反或侵害本行权利或任何第三者权利的方式使用服务；
The client shall not use the service in any illegal way or violation of any Applicable Laws and Regulations or in any way that violates or infringes the rights of the Bank or the rights of any third party;
e) 为服务之目的，客户是适用法律法规中定义的合资格投资者；
For service purposes, the client is an eligible investor as defined in Applicable Laws and Regulations;
f) 客户知晓及已评估与服务有关的风险，且客户愿意承担该等风险；
The client is aware of and has assessed the risks related to the service, and the client is willing to bear such risks;
g) 客户在开展服务项下的任何交易之前将寻求独立的专业意见，并自行进行评估；
The client will seek independent professional advice and conduct their evaluation before conducting any transaction under the Service;
h) 客户知晓香港汇款户与人民币投资户之间的人民币汇划受限于适用法律法规项下的总额度和单个投资者额度以及本行不时订明的其他要求；
The client understands that the RMB transfer between Hong Kong remittance accounts and RMB investment accounts is subject to the Total Quota and individual investor limits under Applicable Laws and Regulations and other requirements prescribed by the Bank from time to time;
i) 客户同意承担就服务所产生的所有费用及税项，并同意就本行可能因服务而产生的所有费用及税项向本行作出补偿或赔偿，客户进一步同意，本行概不就建议或处理与服务有关的任何税务问题、负债及／或义务承担任何责任，本行亦不会就此提供任何服务或协助；
The client agrees to bear all the fees and taxes incurred by the service and agrees to compensate or compensate the Bank for all the fees and taxes that the Bank may incur due to the service. The client further agrees that the Bank will not recommend or handle any tax issues, liabilities, and/or obligations related to the service, and will not provide any service or assistance in this matter;
j) 客户确认，客户向本行提供的所有信息，均真实、准确、有效及完整，如有变化，客户应立即告知本行；
The client confirms that all the information provided by the client to the Bank for the service application is true, accurate, valid, and complete. If there is any change, the client shall immediately notify the Bank;
k) 客户承诺向本行提供本行不时可能合理要求的信息及文件，以便本行提供服务；
The client promises to provide the Bank with relevant information and documents that the Bank may reasonably request from time to time to provide services; and
l) 客户同意本行可以与客户开立汇款户的银行联系，就履行服务之目的，共享客户之资料，以核实客户身份并提供服务；
The client agrees that the Bank can contact other bank where the client opened the remittance account to share the client’s information to perform the service, verify the client’s identity and provide services.
m) 客户承诺使用其自有资金参与北向通业务，不存在募集他人资金或使用其他非自有资金进行投资等行为；
The Client promises to use his own funds to participate in the Northbound Service, and that he/she will not involve in acts such as raising funds from others or using other non-own funds for investment;
n) 客户承诺不会将通过北向通服务所购买的投资产品用于任何形式的质押等担保用途；
The Client promises not to use the investment products purchased under the Northbound Service for any form of pledge or other security purposes;
o) 客户知晓，本行于中国内地成立，是渣打香港的子公司。本行并不属于香港金融管理局颁布的《银行业条例》所指在中国香港地区被许可的机构，且不受香港金融管理局直接监管。本行不能在中国香港地区经营银行业务或吸收存款。本行所吸收的存款受《中华人民共和国存款保险条例》保障而不受中国香港地区的存款保障计划保障。
The client knows that the Bank was established in China and is a subsidiary of SCB HK. The Bank is not an authorized institution in Hong Kong under the “Banking Regulations” promulgated by the Hong Kong Monetary Authority and is not subject to the supervision of the Hong Kong Monetary Authority. The Bank cannot conduct banking business or accept deposit business in Hong Kong. Any deposits in the Bank are protected by the “Deposit Insurance Regulations of the People’s Republic of China” and not protected by Hong Kong’s deposit protection plan.
12. 免责及赔偿承担
Disclaimer and Compensation
本行对于客户因投资户内的资产或财产而应缴的任何税款或该等资产或财产价值的减少不承担任何责任。
The Bank is not responsible for any taxes due to clients or the reduction in the value of such assets or properties due to investment in the assets or properties in the account.
本行概不就客户或任何其他人士于任何情况下因或就有关使用服务所产生的任何利润或利益损失、间接或相应的损失承担法律责任。
The Bank shall not be liable for any loss of profits or benefits, indirect or corresponding losses arising from or related to the use of the services by clients or any other persons under any circumstances.
除本行或本行职员或雇员的故意不当行为或重大过失外，对于因以下情况而对客户或第三者造成或引起的任何结果（只限于由此而引致的直接及可合理地预见的损失及损害（如有）的情形），本行概不负责：
Except for deliberate misconduct or gross negligence of the Bank or the staff or employees, for any results caused or caused to clients or third parties due to the following circumstances (only those directly and reasonably foreseeable The Bank is not responsible for any loss and damage (if any):
(a) 客户或任何其他人士（不论是否获得授权）使用服务；
Eligible Investors or any other person (whether authorized or not) to use the Service.
(b) 传送指示或其它资料的过程中遇到任何干扰、中断、延误、损失、毁坏或其它故障或偏差；
Any interference, interruption, delay, loss, destruction, or other failure or deviation in the process of transmitting instructions or other materials;
(c) 传送指示或资料的任何电信公司、设备、器材、媒介或本行或本行的代理人或任何第三者将有关客户的指示或资料泄漏；
Any telecommunications company, facilities, equipment, medium or the Bank or the agent of the Bank or any third party that transmits instructions or materials discloses instructions or materials related to the Clients;
(d) 本行因市场原因不能办理一项指示及以所述方式及时间办理一项指示；
The Bank cannot handle an instruction due to market reasons and handles an instruction in the stated manner and time;
(e) 任何适用法律法规的实施或改变，市场受到干扰或发生波动，任何政府、交易所、结算所或市场限制或暂停交易，任何有关银行、财务机构、经纪、交易所、结算所或政府发生破产或无力偿债或清算；
The implementation or change in Applicable Laws and Regulations, the market is disrupted or fluctuated, any government, exchange, clearing house or market restricts or suspends trading, any relevant bank, financial institution, broker, exchange, clearing house or government Bankruptcy or insolvency or liquidation;
(f) 与服务有关的任何机械故障、电力中断、操作故障、失灵、设备或装置的不足、不可抗力、政府行为、水灾、火灾、国内动乱、罢工、战争或本行不能控制的任何其他原因。
Any mechanical failures, power interruptions, operational failures, malfunctions, the inadequacy of equipment or devices, force majeure, government actions, floods, fires, civil disturbances, strikes, wars, or any other reasons beyond the control in connection with the Service.
除本行或其职员或雇员的故意不当行为或重大过失外，客户将向：(i) 本行；(ii) 渣打香港；(iii) 前述 (i) 及 (ii) 各自的代理人；及 (iv) 前述(i)、(ii) 及 (iii) 各自的高级人员及雇员赔偿因提供跨境理财通北向通服务或行使或维护本条款及细则赋予本行的权力及权利而可能导致的任何损失、损害、税项及合理费用及开支及一切法律行动及法律程序。本行有权扣缴，保留或扣除一定数额的客户资产并由本行保管或控制，或从客户在本行的任何账户扣缴、保留或扣除一定款额，以弥补在本条下客户欠付本行的债务。即使服务终止，此项补偿仍继续维持有效。
Except for deliberate misconduct or gross negligence of the Bank or its staff or employees, clients will compensate (i) the Bank; (ii) Standard Chartered Hong Kong; (iii) the aforementioned (i) and (ii) their respective agents; and (iv) Respective senior officers and employees of the aforementioned (i), (ii) and (iii) for any losses, damages, taxes, reasonable fees and expenses, all legal actions and legal procedures that may be caused by providing Northbound Services or the exercise or maintenance of the powers and rights granted to the Bank by these terms and conditions. The Bank has the right to withhold, retain or deduct a certain amount of eligible investor’s assets and keep or control those assets, or withhold, retain or deduct a certain amount from any account of the eligible investor with the Bank, to make up for debts owed by the eligible investors to the Bank under this Article. Even if the service is terminated, this compensation will continue to be effective.
13. 可分割性
Severability
本条款及细则的各项条款均是独立的并独立解释。即使任何条款因任何司法管辖区的法律规定而成为非法、无效或不能强制执行，其余条款的合法性、有效性或可强制执行性均不受任何影响。
The terms of these terms and conditions are independent and interpreted independently. Even if any clause becomes illegal, invalid, or unenforceable due to the legal provisions of any jurisdiction, the legality, validity, or enforceability of the remaining clauses will not be affected in any way.
14. 管辖法律及争议解决机制
Governing law and dispute resolution mechanism
跨境理财通业务按照业务环节发生地原则管理，分别遵守粤港两地账户、资金、投资产品销售与管理的相关法律法规。
Cross-border financial management services are managed by the principle of the place where the business links occur and comply with relevant laws and regulations on the sales and management of accounts, funds, and investment products in Guangdong and Hong Kong.
本条款及细则及本条款及细则项下双方的权利和义务受中华人民共和国法律管辖并按照其解释。
The rights and obligations of both parties under these terms and conditions and these terms and conditions are governed by and interpreted by the laws of the People’s Republic of China.
因本条款及细则产生的争议或与本条款及细则相关的争议或纠纷，客户可以通过以下途径解决：
For disputes arising from these terms and conditions or disputes related to these terms and conditions, it can be resolved through the following methods:
(a) 客户首先可与本行协商和解或由本行协调港澳合作银行和内地理财公司、公募基金管理人按各自职责划分协商处理；
Clients can negotiate a settlement with the Bank or negotiate with the Bank to coordinate internal geographic wealth companies and public fund managers based on roles and responsibilities.
(b) 在未能与本行协商成功的情况下，客户原则上应先通过本行公布的投诉热线等渠道进行投诉，或者要求本行独立投诉调查处理部门介入；
If the negotiation fails, clients can make the complaint to the Bank through the customer service hotline or any other channels published in www.sc.com/cn, or request the direct involvement of the independent department of the Bank into the complaint investigation and handling.
(c) 若本行对客户的投诉不予受理或在一定期限内不予处理，或客户认为我行处理结果不合理的，客户可向本行所在地有关金融监管部门进行投诉。其中，涉及理财产品的可按规定向银行保险监督管理机构投诉；涉及公开募集证券投资基金的按规定可向证券业监督管理机构投诉；涉及资金汇划、额度管理、反洗钱和反恐怖融资及跨市场、跨行业的金融产品和服务的按规定可向中国人民银行分支机构进行投诉；
According to the principle of the place where the business link occurs, clients can report the disputes to the relevant financial management department in the place of the Bank: regarding the dispute related the wealth product, clients can make the complaint to China Banking and Insurance Regulatory Commission (CBIRC); regarding the dispute related to public fund managers, clients can make the complaint to China Securities Regulatory Commission (CSRC); regarding the dispute related to fund transfer, quota management, anti-money laundry, anti terrorist-financing, financial products or services cross market and industry, clients can make the compliant to the affiliated group of the People’s Bank of China (PBOC);
(d) 请求内地金融消费者、投资者保护等金融纠纷调解组织调解；
Request the mediation of financial dispute mediation organizations such as mainland financial consumers and investor protection organization;
(e) 向本行所在地有管辖权人民法院提起诉讼。
File a lawsuit with the relevant people’s court.
本文英文译本之文义如与中文有异，概以中文文本为准。
In the event of any inconsistency between the English and Chinese versions of these conditions, the Chinese version shall prevail.