Standard Chartered A. Point Card Reward Terms and Conditions

A.  General Terms and Conditions

1. The “Standard Chartered A. Point Card Reward Terms and Conditions” consists of “A. Point Card Welcome  Reward”, “A. Point Card Spending Reward” and “A. Point Card Reward” (together, “Promotion”). The Promotion is subject to these General Terms and Conditions.

2. In addition, the “A. Point Card Welcome Reward”,“A. Point Card Spending Reward” and “A. Point Card Reward are each subject to its respective terms and conditions set out in Sections B, C,D and E below, which together with these General Terms and Conditions shall be collectively referred to as “Terms and Conditions”. 

3. All rewards derived from this Promotion are collectively referred to as “Rewards”.

4. During the Promotion Period, each user may only participate in this Promotion once in accordance with the relevant Terms and Conditions, and may receive only the specified number of Coupons/ Rewards within the Promotion Period as set out in the relevant Terms and Conditions. For the avoidance of doubt, “each user” refers to a natural person with legal capacity who uses the AlipayHK App and Wallet service, but not merely an AlipayHK account. To further avoid any dispute, in the following circumstances, the relevant accounts will be deemed to be used by the same user: 

(i) Connection on the same mobile phone or mobile device, such as the logging in or activation of multiple accounts; or

(Ii) Connection of an AlipayHK account or mobile number on multiple mobile phones or mobile devices, such as the logging in or activation on such devices; or

(iii) The same credit card number being connected to multiple AlipayHK accounts.

In the case of any of the above, in order to verify the user’s identity and prevent the risk of theft or misuse of such AlipayHK account, mobile phone number, mobile device or credit card number, AlipayHK reserves the right to suspend or terminate the release of any Coupon/Reward to the relevant account and to take legal action.

5. Coupons/ Rewards are limited in quantity and available on a first-come-first-served basis. AlipayHK’s records  shall prevail under any circumstances.

6. If there is any breach of the Terms and Conditions or illegal, fraudulent or abusive behaviour during the use of any Coupons/ Rewards, AlipayHK will forfeit such user’s eligibility and entitlement of Coupons/ Rewards forthwith without notice, AlipayHK reserves the right to cancel such transaction and to take legal action against the relevant user.

7. Unless specified otherwise, Coupons/ Rewards cannot be used to purchase cash vouchers, gift vouchers, or prepaid cards. They are also non-exchangeable for cash and non-transferable. For goods return or refund, the amount on the Coupons/Rewards will not be returned and the relevant Coupon/ Reward will not be re-issued.

8. AlipayHK will carry out this Promotion in accordance with applicable laws in the Hong Kong Special Administrative Region. In the event this Promotion is stopped by government agency’s orders or must be suspended due to server network attack or system failure or any circumstances beyond AlipayHK’s control, such event shall be regarded as a force majeure event, and AlipayHK shall not be held liable for any damage, loss or dispute therein.

9. AlipayHK shall not be liable or construed as providing any guarantee as to the quality and availability of the products and/or service provided by merchants.

10. AlipayHK reserves the right to change, suspend or terminate the Promotion or the Terms and Conditions at its sole discretion without prior notice. AlipayHK shall not be liable for any such change, suspension or termination and reserves the right of final decision of all the matters and disputes.

11. For any enquiries in relation to AlipayHK App and its services or offers, please call the AlipayHK customer service hotline at 2245 3201.

12. A. Point Card cardholders should understand and accept that Standard Chartered Bank (HK) Limited (the “Bank”) is not the provider of the “A. Point Card Welcome Reward” and the “A. Point Card Spending Reward” under this Promotion. The Bank shall bear no liability relating to any aspect of the rewards under this Promotion, including without limitation, their quality, the supply, the descriptions, any false trade description, misrepresentation, mis-statement, unauthorized representation, unfair trade practices or conduct in connection with the rewards under this Promotion as offered by AlipayHK.

13.       “A. Point Card Welcome Reward” and “A. Point Card Spending Reward” earned cannot be converted into Standard Chartered bonus points or cash rebate and are non-transferrable.

14.        Please visit the AlipayHK App to access the latest terms and conditions of the “A. Point Card Welcome Reward” and “A. Point Card Spending Reward”. If there is any discrepancy between these Terms and Conditions and the latest terms and conditions of the “A. Point Card Welcome Reward” and “A. Point Card Spending Reward” in the AlipayHK App, the latter shall prevail.

15.        Terms and Conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.

16.        Should there be any discrepancy or inconsistency between the English and the Chinese versions of the A. Point Card Reward Terms and Conditions, the English version shall prevail.

B.   A. Point Card Welcome Reward Terms and Conditions

1. The “A. Point Card Welcome Reward” starts from 1 July 2025 until 1 October 2025 (both dates inclusive) (the “Welcome Reward Promotion Period”). The actual rewards to be received by the user shall be determined according to the time at which the user’s application for A. Point Card was approved. AlipayHK’s records and discretion in issuing the actual rewards shall prevail.

2. “A. Point Card Welcome Reward” is only applicable to New clients who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited (the “Bank”) in the past 6 months from the date of approval of their current applications for a principal card of an Eligible Card (as defined below) (“New Cardholders”).

3. To enjoy the A. Point Card Welcome Reward, the New Cardholders should have successfully applied for the A. Point Card (“Eligible Card”) for the first time and never redeemed any “Q Credit Card Welcome Reward” or  “A. Point Card Welcome Reward” of AlipayHK via the AlipayHK App (“AlipayHK App”). (“Eligible Cardholders”)

4. During the Welcome Reward Promotion Period, Eligible Cardholders are required to log into their AlipayHK App to successfully apply for an A. Point Card to redeem the “A. Point Card Welcome Reward”. (“Welcome Reward”).

5. During the Welcome Reward Promotion Period, upon successful approval of an A. Point Card application, each Eligible Cardholder will be rewarded with as low as “HKD1 for Every Transaction in the first 3 months” offer (“Offer”), details as below:

i. The Offer consists of one (1) HKD1,000 stored value coupon (the “Coupon”) and will be stored in the “Rewards Page” in AlipayHK App account of an Eligible Cardholder automatically upon approval of an A. Point Card. The Coupon can be used multiple times before the expiry date until the stored value of HKD1,000 has been used up.

ii. In order to use the Coupon, Eligible Cardholder is required to pay a minimum of HKD1 with A. Point Card in AlipayHK App for each transaction.

iii. The Coupon is applicable for all platforms accepting the AlipayHK App for payment (such as Gaode and Meituan), eligible merchant outlets and bill payment via the AlipayHK App or Taobao/ Tmall Platform via A. Point Card in Taobao App, upon a single net transaction of HKD1.01 or above. The amount of single net spending shall be determined based on the real-time exchange rate in the AlipayHK system at actual time of transaction (the “Currency” tool in the AlipayHK App is for reference only).

iv. The Coupon is not applicable for non-retail transactions including top-up, transfer and repayment.

v. The Coupon is valid for 90 days from the date of issuance. Any expired or unused values of the Coupon after expiry date shall be invalid and will not be reissued. The expiry date of Coupon can be found under “Validity” in Coupon details. In case of return or refund of the transaction with the Coupon, the corresponding amount of the Coupon value will be automatically refunded to Eligible Cardholder AlipayHK account. The Coupon value will not be refunded if the Coupon has expired.

6. The “A. Point Card Welcome Reward” is only applicable to New Cardholders who have successfully activated the A. Point Card in the AlipayHK App, linked to the AlipayHK App and selected the A. Point Card as the payment method when making payment. The Coupon retrieved from the Offer is only applicable to transactions made with the A. Point Card in the AlipayHK App. Upon successful approval of the A. Point Card, the Coupon will be automatically applied in the applicable circumstances. The AlipayHK App must be updated to the latest version to enjoy the Offer. The Bank and AlipayHK shall not be liable if users are unable to successfully redeem the relevant Offer and/or the relevant reward is lost due to any reason.

7. The A. Point Card Welcome Rewards may vary from time to time. The actual A. Point Card Welcome Reward to be received by an applicant will be based on the A. Point Card Welcome Reward offered at the time of the successful application, and not the date the application is made. Under no circumstances will AlipayHK reissue any past rewards.

8.   Where applicable, the Coupons issued under this Promotion are Basic Rewards. Only one (1) coupon may be used in each transaction, depending on the applicable circumstances. The usage priority of coupons is as follows:

i. Basic Rewards may be used in conjunction with one (1) Priority Reward (including User Special Reward), but Priority Reward shall have priority in usage. If there are more than one Priority Reward in the user’s AlipayHK account, the Priority Reward with the highest value will be used first. In case the Priority Rewards are of the same value, the one with the earliest expiry date will be used. If the expiry dates of the Priority Rewards are the same, the Priority Reward with the earliest redemption date will be used first.

ii. Where applicable, one (1) Priority Reward may be used in conjunction with one (1) Basic Reward (including welcome rewards, designated merchant e-stamp coupons, Platform General Coupons, Government Consumption Vouchers and Limited Payment Method coupons) or Accumulative Basic Reward(s) (up to ten
(10) coupons) (including rewards for referring existing users) in applicable circumstances. If the user does not have any Accumulative Basic Rewards, and there are various kinds of Basic Rewards in the user’s account, Platform General Coupons shall have priority in usage, Government Consumption Vouchers second and Limited Payment Method Coupons shall have last priority. If the user has both Basic Reward and Accumulative Basic Reward, the priority of using such coupons will be determined by (i) the value of one (1) such Basic Reward (highest value) and (ii) the aggregate value of the Accumulative Basic Reward(s) (up to ten (10) coupons), and the coupon(s) with the highest value between (i) and(ii) will be used first. In case of same value between (i) and (ii), Accumulative Basic Reward(s) (up to ten (10) coupons) will be used.

iii. The use of different types of coupons are subject to their respective terms and conditions. The actual payment page shall prevail.

iv. For any enquiries in relation to the above, please call the AlipayHK customer service hotline at 2245 3201.

9.  The Coupon cannot be converted into bonus points, CashBack, cash rebate or cash, and is non-transferable.

10.  Eligible Cardholders understand and accept that the Bank is not the supplier of Welcome Reward and any items exchanged using Welcome Reward. To the fullest extent permitted by law, the Bank shall bear no liability relating to any aspect of Welcome Reward and any items exchanged using Welcome Reward, including without limitation, theirquality, supply, descriptionsprovidedbytherelevantmerchants, anyfalsetradedescription, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with Welcome Reward and any items exchanged using Welcome Reward, by the relevant merchants, their respective employees, officers and/or agents.

C.  Terms and Conditions of A. Point Card Spending Reward (“The Spending Promotion”)

1.           Unless otherwise specified, the Spending Promotion starts from 2 December 2024 until 30  November  2025 (both dates inclusive) (The “Spending Promotion Period”).

2.           During the Spending Promotion Period, every three (3) month period will be considered as one promotion Phase, as follows:

Phase 1: 2 December 2024 to 28 February 2025; Phase 2: 1 March 2025 to 31 May 2025;

Phase 3: 1 June 2025 to 31 August 2025;

Phase 4: 1 September 2025 to 30 November 2025

3.           To be eligible for the Spending Promotion, the A. Point Card or Q Credit Card (together referred as “Card(s)”) must be applied and approved on or before 30 November 2025. Cardholders are required to make a purchase with the Card(s) via the AlipayHK app (i.e. transactions description starting with “AlipayHK*”), physical Card(s) or Card(s) via mobile wallet during the Spending Promotion Period.

4.           A. Point earned by the users will be immediately credited to their A. Point accounts after a successful payment. In some cases, the user’s A. Point balance may not be updated immediately, but AlipayHK will update the A. Point balance as soon as practicable.

5.            (a) Details of A. Point Card Spending Reward:

Spending Method	Selected Spending categories	Rebate of A. Point	Total A. Point for each HKD1 Spending
Spending via AlipayHK App (excluding any transactions made via Physical Card(s) or Card(s) via mobile wallet)	•     Bill Payment (Promotion Phase 1 from 2 December 2024 to 28 February 2025; Promotion Phase 2 from 1 March 2025 to 31 May 2025) •     Transportations (Promotion Phase 1 from 2 December 2024 to 28 February 2025; Promotion Phase 2 from 1 March 2025 to 31 May 2025) •     Cross-border payment For details, please refer to Clause 5 (b).	18 A. Point for each HKD1 Spending (“Bonus A. Point”)	Total of up to 20X A. Point
	•     Eligible Spending For details, please refer to Clause 5 (c).	2 A. Point for each HKD1 Spending (“Basic A. Point”)
Spending via Physical Card(s) or Card(s) via mobile wallet (excluding any transactions made via AlipayHK App)	•     Eligible Retail Spending stated in Clause 5 (d)	10 A. Point for each HKD1 Spending (“Bonus A. Point”)	10X A. Point

(b)            Selected Spending Categories for the Spending via AlipayHK App refers to using the Card(s) within AlipayHK App for Bill Payments (Excluding credit card repayment and Property Management Fees), Transportations, and Cross-border payments (Cross-border merchants include retail branches of AlipayHK accepted merchants in Mainland China and overseas areas, as well as online shopping on Taobao, Pingduoduo and 1688 Mobile Application).

(c)              Eligible Spending for the Spending via AlipayHK App means all services provided by AlipayHK, including spending via online and physical merchants using Cards via AlipayHK App, excluding transfers, remittances, credit card repayment and Property Management Fees.

(d)             Eligible Retail Spending for the Spending via Physical Card(s) or Card(s) via mobile wallet refers to retail transactions and Octopus Automatic Add-Value transactions made with the Card(s) but does NOT include the following:

i) any transfer/ top up transaction from the Card account to any account as designated by the Bank from time to time, including but not limited to, Octopus Wallet, Alipay account, transactions effected through Faster Payment System or using the FPS Services or services from non-card association and other digital payment account as may be made available by the Bank from time to time, insurance payment, bill payment transactions made through Standard Chartered Online Banking, Standard Chartered Phone Banking or JET Payment Services, phone order, mail order, transactions made at merchants in the gambling and betting, security brokers or dealers, non-financial institutions (including but not limited to the purchase of foreign currency, money orders and travelers cheques), financial institutions (including but not limited to the purchase of merchandise and services from banks, savings and loans, thrifts and credit unions and face-to-face cash disbursement), wire transfer, money orders and wholesale purchase of precious stones and metals, watches and jewellery, according to the merchant codes issued by Visa International from time-to-time, cash advances, balance transfers, “Instalment Credit” amounts, “Credit-to-Cash Preferential Annual Rate” amounts, tax payment, financial charges and fees;, Alipay account, transactions effected through Faster Payment System or using the FPS Services or services from non-card association and other digital payment account as may be made available by the Bank from time to time, insurance payment, bill payment transactions made through Standard Chartered Online Banking, Standard Chartered Phone Banking or JET Payment Services, phone order, mail order, transactions made at merchants in the gambling and betting, security brokers or dealers, non-financial institutions (including but not limited to the purchase of foreign currency, money orders and travelers cheques), financial institutions (including but not limited to the purchase of merchandise and services from banks, savings and loans, thrifts and credit unions and face-to-face cash disbursement), wire transfer, money orders and wholesale purchase of precious stones and metals, watches and jewellery, according to the merchant codes issued by     Visa International from time-to-time, cash advances, balance transfers, “Instalment Credit” amounts, “Credit-to-Cash Preferential Annual Rate” amounts, tax payment, financial charges and fees;

ii)        any unposted, cancelled, refunded, falsified or unauthorised transactions.

6. If any transaction for which the A. Point has been earned is subsequently cancelled or refunded, the A. Point earned from the transaction will be fully cancelled without prior notice to the user. If the user’s A. Point balance is insufficient at the time, the system will deduct the required A. Point amount, possibly resulting in a negative A. Point balance, and continue to deduct A. Point from the next transaction accordingly until reaching the total amount of A. Point to be recovered.

7.            For products or services that are not within the scope of the programme, users cannot earn A. Point. AlipayHK reserves the right to modify the partners or participating merchants, items, “not within the scope of the programme”, and the quantity of Basic and Bonus A. Point at any time. The programme will provide notice of any major changes on the AlipayHK App.

8.            The exact expiry date of Bonus A Points derived in Clause 5 will be stated under “Points Detail” in the AlipayHK App. A. Point must be used on or before the relative due date mentioned in the Table below and will not be extended or reissued. Unless otherwise specified, all A. points earned will generally be valid for 1 to 3 months in the table below.

Phase Period	A. Point Earning Period	Due date of A. Point Validity
Phase 1	2 December 2024 to 28 February 2025	31 March 2025
Phase 2	1 March 2025 to 31 May 2025	30 June 2025
Phase 3	1 June 2025 to 31 August, 2025	30 September 2025
Phase 4	1 September 2025 to 30 November 2025	31 December 2025

9.           A user can earn “Basic A. Point” up to 50,000 A. Point for a single transaction, 100,000 A. Point on a single day, and 500,000 A. Point in a single month. For spending via AlipayHK App, a user can earn “Bonus A. Point” up to 600,000 A. Point in each Phase above.

D.  A. Point Card Reward

The “A. Point Card Reward” consists of “0% Taobao handling fee for A. Point Card” and “A. Point Card transfer handling fee offer” offers and runs from 2 December 2024 until 1 October 2025 (the “Promotion Period”).

D1: 0% Taobao handling fee for A. Point Card

1.            In each calendar month throughout the Promotion Period, users who make payments via A. Point Card in the AlipayHK App (“Eligible Users”) can enjoy 0% handling fee for the specific amount of transactions at Taobao App (“Taobao”) with handling fee amount of HKD0.1 or above, please refer to sc.com/hk/credit-cards/apointcard/ for latest promotion details. 1.5% handling fee will be charged for subsequent transactions on Taobao.

2.            For the avoidance of doubt, 0% Taobao handling fee for A. Point Card is not applicable in the following circumstances on Taobao: non-mobile app paying order, Taobao (Xianyu)’s order, virtual goods (including but not limited to anything that does not require shipment such as virtual currency, prepaid cards, etc.), or any other circumstances as specified by Taobao.com or Tmall.com.

3.            Eligible merchants on Taobao/ Tmall Marketplace and on AlipayHK have the liability for the sale of products, after-sale service and all related matters. AlipayHK and Taobao/ Tmall Marketplace are not involved in the sales process and accept no liability for the selling and quality of or any other matters relating to the products, services, delivery and goods return arrangement.

D2: A. Point Card Transfer handling fee offer

In each calendar month throughout the Promotion Period, A. Point Card users can enjoy a transfer limit of up to HK$1,000 per month without handling fee when making transfers via A. Point Card in the AlipayHK App to another AlipayHK account (including sending Lucky Money, instant transfer, WhatsApp, FPS or SMS). After the relevant limit is exceeded, 1.5% transfer fee will be charged for A. Point Card.

E.   The General Terms & Conditions of Using A. Point

1.     Redeeming coupons:

a.               Users can use their Basic A. Point balance to redeem coupons in the “A. Point Zone” of the AlipayHK App. The discount content, usage restrictions, validity period, maximum redemption quantity, and coupon type of the coupons are subject to the information and conditions provided in the “A. Point Zone” of the AlipayHK App. The partners of the programme have the right to change the relevant information and conditions from time to time, and this programme is not responsible for any liability to the user. Once coupon has been redeemed, A. Point cannot be refunded or exchanged.

b.               Generally, Bonus A. Point are not eligible to be used for coupon redemption in “A. Point Zone” unless otherwise expressly stated.

2.     Deducting payment amount:

a.               When the user spends in the “Designated Scenario “ via AlipayHK, a minimum of 1000 A. Points can be used per transaction, which equivalent to a minimum of one (1) Hong Kong Dollar discount off the payment amount. Or every Basic 100 A. Points can be used as one (1) Hong Kong Dollar deduction when “purchasing designated coupons” or designated campaign (please note that Bonus A. Points are not eligible to be used for such deduction). Applicable rates may be adjusted for specific campaigns. For exact details, please check the payment page in the AlipayHK App.

b.               A. Point will be deducted in chronological order of expiry, meaning that points with the earliest expiry date will be deducted first.

c.                If any transaction that has used A. Point is subsequently cancelled or refunded, the deducted A. Point will be fully refunded to the user’s account, and the validity period of the refunded A. Point will remain the same.

d.               When A. Point is used as payment deduction, in the “Designated Scenario”, the minimum amount of A. Point used in a single transaction is one hundred (100) A. Point. When “purchasing designated coupons”, the minimum amount of A. Point used in a single transaction is ten (10) A. Point.

e. Usage limits of A. Point: If the use of A. Point reaches the limit in a transaction, the remaining usable amount will be used for redemption. For example: in a transaction that does not involve the purchase of coupons, if a user has already used 999,900 A. Point on a single day, the user can only use a maximum of one hundred (100) A. Point for the next transaction on the same day.

f.                 Usage limits details:

Purchasing designated coupons:

•    Single transaction usage limit: 500 A. Point.

•    Daily usage limit: 10,000 A. Point.

•    Monthly usage limit: 10,000 A. Point.

Designated scenario

•    Single transaction usage limit: 100,000 A. Point.

•    Daily usage limit: 1,000,000 A. Point.

•    Monthly usage limit: 30,000,000 A. Point.

3.     Service Changes

3.1           Changes to A. Point: The programme reserves the right to change any content of A. Points at any time, including (but not limited to) any rewards, any gift certificates, any accumulation or redemption of A. Points, the operation or mode of operation of A. Points, cooperation Partners, etc. Please refer to the prevailing details as specified in the AlipayHK App.

3.2           Changes to terms and conditions: AlipayHK may update these terms at its discretion from time to time. Please refer to the prevailing terms and conditions as specified in the AlipayHK App. Continuous participation in this programme means an agreement to be bound by the prevailing terms and conditions.

4.     Account Termination or Suspension

4.1           In reasonable circumstances, if AlipayHK believes that a user has violated any part of these terms and conditions, AlipayHK may suspend or terminate the user’s A. Point account (with or without notice), and/or recover any damages or losses incurred by AlipayHK or its partners as a result.

4.2           If the programme is terminated for any reason, A. Points not redeemed or awards not claimed by the programme termination date will be forfeited and will not be refunded.

4.3          Under reasonable circumstances, if AlipayHK believes that the user has violated any part of these terms, AlipayHK may suspend or terminate the user’s A. Point account (with or without notice), and/or recover AlipayHK or AlipayHK’s partner from the user any damages and losses suffered.

4.4          The user shall be responsible for providing accurate registration information and for keeping such information up to date in the event of changes. User shall bear all responsibility for: a) maintaining the confidentiality and security of the mobile device and security details; b) all transactions and activities that occur under user’s security details; and c) any and all consequences of use or misuse of user’s security details.

5.     Disclaimer

5.1          Any type of data or content provided on the AlipayHK App is for general reference only. Users must assume the risks associated with participating in A. Point and using the AlipayHK App, users’ A. Point accounts, and users’ rewards.

5.2          AlipayHK will not make any representation, commitment, or warranty regarding the following:

a.            The title, accuracy, completeness, currency, quality, merchantability or applicability of any data or content provided or executed in connection with A. Point, the AlipayHK App, users A. Point accounts, users’ personalised offers or anything related to the above.

b.            The programme, the AlipayHK App, or users’ A. Point accounts will be uninterrupted, error-free, secure, timely or available, or that any errors or defects will be corrected.

6.     Liability of AlipayHK

AlipayHK shall not be liable for any indirect, special, incidental, punitive, or consequential loss or damage suffered by the user, including negligence. To the maximum extent permitted by applicable law, for any loss or damage in connection with these terms, the AlipayHK mobile application, the user’s A. Point account, the user’s personalised offers, any products and services provided by AlipayHK’s partners ( including general, special, indirect, direct, symbolic, punitive, incidental or consequential loss or damage), AlipayHK will not be liable to the user in contract, tort (including negligence), breach of statutory obligations or otherwise, nor is it liable for any information, content, materials and/or services provided and performed in connection with it, whether or not AlipayHK has been advised of the possibility of such loss or damage in advance.

7.     Link

7.1          The AlipayHK App and any electronic communications sent to users or materials provided to users online or digital manner may contain links to other websites, content or resources hosted, provided, or made available by third parties. Users understand and agree that AlipayHK:

a.      has no control or monitoring rights over these third-party websites, content or resources;

b.     makes no promises, representations or warranties and shall not be responsible for any such third-party websites, content or resources (or any products, goods or services promoted, referred to, or offered on such third-party websites or resources).

8.     General terms

8.1           Under no circumstances can A. Point be redeemed for cash or any other form of refund. The use of A. Point and the exchange rate of related coupons are subject to AlipayHK’s discretion and may be adjusted.

8.2           If a user is found to have engaged in behaviours that violate the principle of good faith and credit, or if AlipayHK has reasonable suspicion that such behaviours have occurred, the user may be unable to obtain or use A. Point, or may only be able to obtain or use a portion of A. Point. If necessary, legal action may be taken against the user, including but not limited to the following behaviours:

a.            Participating in A. Point through any improper means or by violating the principles of good faith and credit, such as colluding with other users or merchants, cheating to earn A. Point through the use of machines, or disrupting the order of the activity by taking advantage of promotions.

b.            Engaging in any improper or fraudulent behaviour that violates the principles of good faith and credit to complete a transaction, such as false transactions, malicious refunds, splitting orders, and cashing out, which disrupts the order of the activity.

8.3           In the event of any violation of these terms and conditions, illegal, fraudulent or abusive behaviour, AlipayHK reserves the right to cancel all A. Point and coupons obtained by the user without prior notice. AlipayHK also has the right to cancel any transactions involving such violations and recover any losses from relevant users.

8.4           A. Point obtained by the user are subject to AlipayHK’s computer records. AlipayHK and our participating partners reserve the right to change, suspend or terminate this Programme and its Terms and Conditions at our sole discretion without prior notice. We shall not be liable for any such change, suspension or termination and reserves the right of final decision of all the matters and disputes.

8.5           If the event needs to be suspended due to government orders, serious network attacks, or system failures,    it may be considered force majeure. AlipayHK shall not be responsible for any loss arising from such events.

8.6           These terms and conditions are governed by Hong Kong laws, and any disputes related to them shall be under the exclusive jurisdiction of Hong Kong courts.

8.7           If users have any questions about this promotion or the usage of AlipayHK’s services and promotions, please call AlipayHK customer service hotline at 2245 3201.

To borrow or not to borrow? Borrow only if you can repay!