Remittance Conditions

 

1.    It is obligatory for the Remitter to supply to the Bank with all such information as required by this Application Form. Failure to supply any of such information may result in the Bank being unable to effect the remittance for you. For details concerning the purposes for which the information supplied by the Remitter may be used and the Remitter’s right (applicable to individuals only) to request access to information, etc., please refer to a notice relating to the Personal Data (Privacy) Ordinance on display in the Bank’s banking halls or to be made available to the Remitter upon request.

2.    The Bank shall have the absolute and unfettered discretion to appoint one or more correspondents in advising the remittance to the Beneficiary and in relation to any other matter arising out of the remittance. The Bank shall not be responsible for any error, neglect, default, delay, omission, insolvency or failure in business of any such correspondents, and neither the Bank nor the Bank’s correspondents shall be responsible for any delay in payment or non-payment of the remittance to the Beneficiary, in advising the remittance to the Beneficiary or in the transmission or delivery of any item, letter, telegram or cable to the Beneficiary or any of the Bank’s correspondents. Any action, process or other step taken by the Bank or any of the Bank’s correspondents in connection with the remittance, if in good faith and in conformity with applicable foreign or domestic laws, customs or regulations, shall be binding or on the Remitter and shall not place the Bank or any of the Bank’s correspondents under any liability to the Remitter.

3.    The Bank is not responsible to advise the Remitter of:-

(a)   any exchange control or other restriction which may be imposed by the laws or regulations of the country where payment of the remittance is to be effected and shall not be liable for any loss delay resulting from such control and restriction. The Remitter is advised to make his own enquiries as to any such control or restriction; and

(b)   any charges which may be imposed by overseas correspondents.

4.    Overseas correspondents charges, if not specified to be borne by the Remitter, are to be borne by the Beneficiary and deduced from the proceeds of the remittance. In addition, the Bank is entitled to reimbursement from the Remitter for the expenses of the Bank, its correspondents and agents.

5.    The Bank may send message(s) relating to the remittance either in words or in cipher and shall not be liable for any loss, delay, error, omission or mutilation which may occur in the transmission of the message or for any misrepresentation of the messages, or any part thereof, by any of the Bank’s correspondents.

6.    The Bank may make payment of the remittance at a place different from that specified by the Remitter in the application form overleaf if the circumstances, in the Bank’s sole and absolute opinion, so require.

7.    Payment of the remittance may need to go through the clearing system and/or certain local procedures of the country where the payment is to be made before the Beneficiary’s banker or the Beneficiary has actually received the payment of the remittance.

8.    Where the application for remittance is accepted by the Bank on the basis of provisional exchange rate, then once the Bank is able to ascertain the actual applicable exchange rate, the Bank shall be entitled to debit the difference (in case the amount payable by the Remitter on the basis of the actual exchange rate exceeds the amount paid by the Remitter), or (as the case may be) credit the difference (in case the amount payable by the Remitter on the basis of the actual exchange rate is less than amount paid by the Remitter) to the Remitter’s account with the Bank without prior notice to the Remitter..

9.    If payment of the remittance is to be completed on particular date, the Remitter shall state such date as the value date on the application form overleaf, provided always that the Bank shall have the sole and unfettered discretion whether to accept any application with a stated value date and if it so accepts, the Bank shall not be liable for any loss or damage incurred by the Remitter and/or the Beneficiary and/or any other party if the payment is not received by the Beneficiary or the Beneficiary’s banker on the stated value date by reason of any event or cause beyond the control of the Bank or any of the Bank’s correspondents. In particular, if the value date is stated as the same day on which the application is accepted or deemed to be accepted, the Bank shall not warrant that the Beneficiary’s banker or the Beneficiary will receive the remittance on the same day of the date of acceptance of the application as the remittance will be subject to, inter alia, the cut-off time relating to the geographical location of destination of the remittance.

10.   If the application is accepted by the Bank at a time after the deadline stipulated by the Bank for the processing of outward remittances, the application shall be deemed to be accepted by the Bank on the next following business day of the Bank.

11.   In the absence of any instructions of the Remitter to the contrary, payment of the remittance will be effected in the currency of the country in which the payment is actually made.

12.   The application for the remittance, once accepted by the Bank, may not be cancelled unless the Bank agrees in writing. In considering whether to accept any request by the Remitter for cancellation of the remittance, the Bank may take into account, inter alia, whether it has received satisfactory confirmation from its correspondents that the remittance has been duly withheld and cancelled. In case the Bank agrees to cancel the remittance, such agreement will always be subject to the following conditions and any other additional conditions as the Bank may impose:-

(a)   The Remitter shall be liable for any costs and expenses incurred by the Bank and/or its correspondents in giving and/or considering to give effect of the cancellation and such costs and expenses, as conclusively determined by the Bank, shall be deducted from the amount to be refunded to the Remitter;

(b)   The amount of refund shall be calculated at the Bank’s current buying rate for the currency of the relevant remittance at the time of refund.

13.   Where the customer advice is to be sent to the Remitter by mail as instructed by the Remitter, it is sent at the sole risk of the Remitter.

14.   The conditions herein contained are written in English and Chinese. In the case of conflict, the English version shall prevail.

15.   According to guideline issued by Regulator, remitting bank should include account number and address of originating customer in the message of remittance transaction. Customer hereby confirms the following authorization: I/We hereby agree and authorize China Merchants Bank to include my/our account number and address in the remittance message.

 

汇款服务条款

 

1.    汇款人是有责任提供本申请书的全部资料。 如汇款人未能向银行提供任何有关资料，可能导致银行无法代汇款人办理汇款服务。关于该等资料会用于什么目的及汇款人 (只适用于个人的情况) 对该等资料查询的权利以及其它细则，请参阅张贴于本行办公大堂内或于汇款人要求时银行提供的关于个人资料(私隐) 条例之客户通知之内容。

2.    银行有绝对的权力委任一间或多于一间的代理行就汇款或与汇款有关的其它事项通知收款人。银行将不会由于该等代理行的错漏、疏忽、不为、延迟、清盘或结业而负上任何责任。而银行或任何代理行不会因为延迟或不能向收款人支付汇款、延迟就汇款通知收款人，或向收款人或任何银行的代理行发出的任何档、信件、电报的延迟而负上任何责任。银行或任何银行的代理行就汇款所采取的任何行动，如在善意及遵照适用的海外或本地法律、习惯或条例而执行的话，将对汇款人具约束力。而银行或任何银行的代理行将不会因此而负上任何责任。

3.    银行无须将下列各项资料通知汇款人：-

(a)   有关收款国当地法律或规例所实施之外汇管制或其它限制，亦无须因为该等管制及限制而引致的任何损失或延误负上任何责任。汇款人应自行查询有关之管制或限制; 及

(b)   有关海外银行可能收取之费用。

4.    海外银行费用，如非指定由汇款人承担，概由收款人支付并从汇款金额中扣除。此外，本行有权要求汇款人负担所有因此汇款而引致之一切费用。

5.    有关汇款之一切通讯，银行可用文字或口令发出；而银行将不会由于任何电讯遗失、迟到、错误、遗漏或毁坏或于接获时由于银行之任何代理行错误翻译或理解该等通讯而负上任何责任。

6.    在银行认为需要的情况下，银行有权在背页之申请书所指定地点以外不同地点支付汇款。

7.    在收款人的银行或收款人实际收到汇款前，该等汇款可能要经过结算系统及/或收款当地的其它手续。

8.    如汇款人所需缴付的款项，以临时兑换率计算的话，当银行确知实际兑换率时、银行有权在不需给予汇款人事先通知的情况下，从汇款人在银行开立之帐户中扣除差额 (如汇款人已缴付的款项少于按实际兑换价计算所应付的款项)。或 (按情况需要而定) 将差额存入汇款人在银行开立之帐户 (如汇款人已缴付的款项多于按实际兑换价计算所应付的款项)

9.    如汇款需要在某个指定日期支付，汇款人需在背页申请书指明该日期为汇款的起息日，惟银行有绝对的权力决定是否接受具有任何指定汇款起息日的申请。如银行接受该申请的话，银行将不会由于任何不能控制的事件或原因，使收款人或收款人的银行未能在指定之日收取汇款，所可能引致汇款人及/或收款人及/或任何其它人仕的损失而负上任何责任。如起息日与汇款申请批准或被认为批准为同一日，由于汇款可能受收款地区的截数时间所限制，故银行并不保证收款人的银行或收款人可以在汇款申请批准之同一日收到汇款。

10.   如银行在其指定的截数时间后收到任何汇款的申请，银行将视该等申请于后一个营业日接受。

11.   除非汇款人另有相反指示，汇款将以付款国之货币交付。

12.   当银行接受了汇款的申请后除非得到银行书面的同意，否则不可取消。在决定是否接受汇款人取消汇款申请的要求时，银行可以考虑其是否已经接获代理行已扣留及取消有关汇款的通知。假若银行同意取消汇款，汇款人将受下列的条款及银行附加的其它条款所约束：-

(a)   汇款人需承担银行和/或其代理行同意及/或考虑同意取消汇款而引致的任何费用及开支，而该等费用及开支应从退回汇款人的款项中扣除；

(b)   退款的金额应按银行在处理退款当时的买入价计算。

13.   如汇款人要求客户通知书以邮寄方式寄交汇款人，一切邮递风险由汇款人承担。

14.   本条款以中、英文书写。如有任何不同之处，则以英文版为准。

15.   按监管机构的指引，汇款之汇出银行须在汇款交易的信息中载有汇款人的账号及地址，客户确认下列授权：本人 (吾等) / 公司同意及授权招商银行在汇款信息中载有本人 (吾等) / 公司之帐号及地址。