2. Agreement to These Website Terms of Use

By accessing this site, you agree to be bound by these terms of use ("Website Terms of Use"). These Website Terms of Use constitute a binding agreement between you and the Company and govern your use of this site. If you use any of the services offered by Embracy, then you are also subject to any terms and conditions that may apply to those services.

3. Privacy Policy

As part of these Website Terms of Use, your use of this site is also subject to our privacy policy, which is incorporated by reference into these Website Terms of Use.

4. Legal Capacity to Transact

If you are under 18 years of age, you cannot make transactions through this site. By using this site, you represent and warrant to the Company that you are over the age of 18 years. Should the Company suffer any damage or other losses as a result of a transaction entered into by a minor, we reserve the right to seek compensation for such losses from his/her parents or guardians.

5. Requirement for Registration

The Company reserves the right to make any parts of this site accessible only to users who have registered.

6. Merchant Services Agreement

No information in this site constitutes an offer by us to supply any services to you. However, the Company will endeavour to supply your selected services to you.

On receiving your enquiry, we will conduct our internal validation procedures, including verifying your identity, and may then provide a merchant services agreement to you for your review. We reserve the right, at our discretion, to:

Refuse to provide services to you prior to your entry into a merchant services agreement (and thereafter, as provided for in that agreement).

Terminate your access to this site.

Remove or edit any content on this site.

7. Prices

The Company reserves the right to change the prices and fees for services displayed on this site at any time before you make a transaction.

8. Payment Methods

Payments through this site may be made:

By credit card (Visa or MasterCard only) processed online using a secure third-party payment gateway.

9. Refunds and Other Remedies

Except as expressly provided otherwise in these Website Terms of Use, all amounts paid through this site are non-refundable.

As a payment facilitator, Embracy sits between you and the organisation to whom you are making a payment. You must contact that organisation for a refund or reversal of any transaction amounts.

Further information on the steps that the Company will take to remedy any breach of any non-excludable condition or warranty/guarantee is provided under the heading "Remedies Limited" in these Website Terms of Use below.

10. Security

While we and our website hosting and other providers employ secure technology for transactions with our customers, we will not be responsible for any damages, including consequential losses (whether direct or indirect), that may be suffered by a customer whose credit or debit card or bank account information is used in a fraudulent or unauthorized manner by any person other than the Company.

The Company may request further information from you, such as a copy of your credit card and/or other identification documentation, as part of our internal validation procedures. These procedures help protect bank and credit card account holders from online fraud and ensure we comply with relevant legislation. Until your account has passed our internal fraud prevention checks, we may be unable to provide services to you.

11. Prohibited Conduct

Your use of this site is subject to the rules set out in Schedule 1 – Prohibited Conduct (see below).

12. Copyright and Trademarks

Your use of this site is subject to the rules set out in Schedule 1 – Prohibited Conduct (see below).

13. User Content

In these Website Terms of Use, the term "User Content" means any and all content that is submitted, posted or otherwise added to this site by any user, such as comments, forum posts, chat room messages, reviews, ratings and feedback.

This site contains some features that enable you and other users to upload User Content. The Company reserves the right to display, refuse to display, remove and/or amend all or any part of any User Content at its absolute discretion. In respect of any User Content that you upload, you:

Represent and warrant to the Company that your sharing of that User Content does not infringe any copyright or other legal right of any other person.

Grant to the Company a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, sub-licensable and transferable license to use, reproduce, distribute, modify, adapt, prepare derivative works of, publicly display, publicly perform and otherwise exploit all or any part of that User Content in any way at the Company’s absolute discretion.

14. Violations of These Website Terms of Use

Without limiting any other remedies available to the Company at law or in equity, the Company reserves the right to, without notice:

Temporarily or indefinitely suspend, or terminate, your access to this site or refuse to provide services to you if:

You breach any provision of these Website Terms of Use.

The Company is unable to verify or authenticate any information that you provide to us.

The Company believes that your actions may cause damage and/or legal liability to the Company, any of its customers or suppliers, or any other person.

Remove or block access to any information and/or materials (in whole or in part) that the Company, at its sole and absolute discretion, regards in any way to be objectionable or in violation of any applicable law, any person's intellectual property rights, or these Website Terms of Use.

15. Indemnity

You indemnify and hold harmless the Company and its officers, employees, agents, consultants, licensors, partners, and affiliates from and against any losses, liabilities, costs, expenses, or damages (including actual, special, indirect, and consequential losses or damages of every kind and nature, including all legal fees on a solicitor-client basis) suffered or incurred by any of them due to, arising out of, or in any way related to (directly or indirectly):

Any material or information that you submit, post, transmit, or otherwise make available through this site.

Your use of, or connection to, this site.

Your negligence or misconduct, breach of these Website Terms of Use, or violation of any law or the rights of any person.

16. Refunds and Other Remedies

Except as expressly provided otherwise in these Website Terms of Use, all amounts paid through this site are non-refundable.

As a payment facilitator, Embracy sits between you and the Merchant to whom you are making a payment. You must contact that Merchant for a refund or reversal of any transaction amounts.

Further information on the steps that the Company will take to remedy any breach of any non-excludable condition or warranty/guarantee is provided under the heading "Remedies Limited" in these Website Terms of Use below.

17. Copyright Claims

If you believe that our site contains any material that infringes upon any copyright that you hold or control, or that users are directed through a link on this site to a third-party website that you believe is infringing upon any copyright that you hold or control, you may send a notification of such alleged infringement to us in writing.

Such notification should identify the works that are allegedly being infringed upon and the allegedly infringing material and give particulars of the alleged infringement.

In response to such a notification, we will:

Provide a written notice of the claim of copyright infringement to the provider of the allegedly infringing material.

If the provider of that material does not respond to us in writing denying the alleged infringement within 14 days after receipt of that notice, we will remove or block the allegedly infringing material as soon as is reasonably practicable.

If the provider of that material responds to us in writing denying the alleged infringement, we will, as soon as is reasonably practicable, send a copy of that response to the original notifying party.

If the original notifying party does not, within a further 14 days, file an action seeking a court order against the provider of the allegedly infringing material, we may restore any removed or blocked material at our discretion.

If the original notifying party files such a legal action, we will remove or block the allegedly infringing material pending resolution of that legal action.

18. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS OFFICERS, EMPLOYEES, AGENTS, CONSULTANTS, LICENSORS, PARTNERS, AND AFFILIATES EXPRESSLY DISCLAIM ALL CONDITIONS, REPRESENTATIONS, AND WARRANTIES (WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE) IN RELATION TO THIS SITE AND ANY SERVICES PURCHASED OR OBTAINED THROUGH THIS SITE, INCLUDING ANY IMPLIED WARRANTY/GUARANTEE OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

This site is provided strictly on an "as is" basis. To the maximum extent permitted by law, the Company and its officers, employees, agents, consultants, licensors, partners, and affiliates make no representation, warranty, or guarantee as to the reliability, timeliness, quality, suitability, truth, availability, accuracy, or completeness of this site or any of its content, and in particular do not represent, warrant, or guarantee that:

The use of this site will be secure, timely, uninterrupted, or error-free or operate in combination with any other hardware, software, system, or data.

This site will meet your requirements or expectations.

Anything on this site, or on any third-party website referred or linked to in this site, is reliable, accurate, complete, or up-to-date.

The quality of any services, information, or other material purchased or obtained through this site will meet any particular requirements or expectations.

Errors or defects will be corrected.

This site or the servers that make it available are free of viruses or other harmful components.

19. Exclusion of Liability

To the maximum extent permitted by law, the Company and its officers, employees, agents, consultants, licensors, partners, and affiliates exclude all liability to you or any other person for any loss, cost, expense, claim, or damage (whether arising in contract, negligence, tort, equity, statute, or otherwise, and for any loss, whether it be consequential, indirect, incidental, special, punitive, exemplary, or otherwise, including any loss of profits, loss or corruption of data, or loss of goodwill) arising directly or indirectly out of, or in connection with, these Website Terms of Use or the use of this site by you or any other person.

20. Remedies Limited

To the maximum extent permitted by law, the Company and its officers, employees, agents, consultants, licensors, partners, and affiliates expressly limit their liability for breach of any non-excludable condition or warranty/guarantee implied by virtue of any legislation to the following remedies (the choice of which is to be at the Company's sole discretion):

The supply of the services again.

The payment of the cost of having the services supplied again.

21. Governing Law and Jurisdiction

These Website Terms of Use will be governed in all respects by the laws of Hong Kong. The parties irrevocably submit to the non-exclusive jurisdiction of the courts of Hong Kong and the courts of appeal from them.

22. Schedule 1 – Prohibited Conduct

YOU MUST NOT:

use any device, routine or software that interferes, or attempt to interfere, with the proper working of this site;

engage in any action that requires, or may require, an unreasonable or excessively large load on our infrastructure;

use this site to decipher passwords or security encryption codes, transmit any worms, viruses or Trojan horses, transfer or store illegal, threatening or obscene material or otherwise violate the security of any computer network;

use this site to violate any applicable local, state, national or international law, to engage in any misleading or deceptive online marketing practices or for any fraudulent or malicious purposes;

use any spider, robot or search/retrieval application or any screen scraping, data mining or similar data gathering device, process, program or means to access, retrieve or index any portion of this site;

use this site by any automated means;

use this site to transmit junk mail, spam or chain letters or pyramid schemes or engage in other flooding techniques or mass distribution of unsolicited email;

access, retrieve or index any portion of this site for use in constructing or populating any database that is searchable online or for the purpose of soliciting or sharing reviews;

interfere with the display of any advertisements appearing on or in connection with this site;

reverse engineer, decompile, disassemble, adapt, modify, translate, frame or reformat any of the material contained on this site;

reproduce, duplicate, copy or store any of the material appearing on this site other than for your own personal and non-commercial use;

falsely imply that any other website is associated with this site;

do anything that leads, or may lead, to a decrease in the value of the Company's intellectual property rights in this site;

use or exploit any of the material appearing on this site for, or in connection with, any business or enterprise (whether for profit or otherwise), including any business or enterprise that is in competition with this site;

release to the public any news release, advertising material, promotional material or any other form of publicity or information relating to the Company without the Company's prior written consent; or

use this site to transmit any information or material that is, or may reasonably be considered to be:

abusive, threatening, harassing, harmful, obscene, indecent, lewd, inflammatory, violent, vulgar, profane, racially, ethnically or otherwise objectionable or offensive in any way;

libellous, defamatory, pornographic, sexually explicit, unlawful or plagiarised;

infringing upon or violating any copyright, trademark, patent or other intellectual property or proprietary right;

in breach of any duty of confidentiality by which you are bound, whether by way of a fiduciary or contractual relationship;

in breach of any person’s privacy or publicity rights;

a misrepresentation of facts, including the impersonation of any person or entity or a misrepresentation of an affiliation with any person or entity (including any sponsorship or endorsement);

in violation of any applicable law, statute, ordinance or regulation, or encouraging of others to do so;

containing any political campaigning material, advertisements or solicitations; or

likely to bring the Company or any of its staff into disrepute.