TERMS AND CONDITIONS FOR MOBILE APPLICATION

Lookcard Limited (the “Service Provider”) shall provide an electronic service that permits the users to download and use the application offered by the Service Provider for mobile devices, tablets or other devices (“Mobile App”) to gain access to their Accounts, to carry out transactions, make enquiries and obtain other related services which the Owner may provide in accordance with below terms and conditions.

1. GOVERNING TERMS AND CONDITIONS
   • The User agrees to be abide by the provisions of Lookcard’s Global Terms and Conditions for Accounts and Services and Mobile App Terms and Conditions (the “Terms and Conditions”) whenever using Mobile App Service (the “Service”).
   • The Service is only available to users who have registered to use Lookcard platform services. The Terms and Conditions are not intended to and will not supersede or replace the existing terms and conditions governing the User’s accounts and his or her use of other services offered by the Service Provider, including, without limitation, those concerning Transaction Service, the Statement and the Advices (collectively “Other T&Cs”), which shall continue to apply unless otherwise provided.
   • In the event of the inconsistency or conflict between the Terms and Conditions and Other T&Cs, the Terms and Conditions shall prevail where the Service is concerned. 
   • If the User applies for the Service, he or she or they shall be deemed to have read, understood and agreed to be bound by the Terms and Conditions, and by continuing to use the Service following the posting of any changes to the Terms and Conditions, he or she or they shall be deemed to have accepted and not to bound by the changes made.
   • The Service is offered for the User’s sole and exclusive use and only in such jurisdictions and to such extent where and when they may be lawfully offered and processed under the laws of Hong Kong Special Administrative Region.
     
2. USE OF THE SERVICE
   • The Service Provider will from time to time determine or specify the scope and features of the Service and is entitled to modify, expand or reduce the same at any time with or without notice to the User.
   • The Service Provider may, at its absolute discretion, without notice to the User suspend or terminate the Service or any part thereof to the User for any reason, including, without limitation, invalid data, relevant account closure, system breakdown, maintenance, modification, expansion and/ or enhancement work caused or initiated by the telecommunications company(ies) concerned in relation to their network or by any service provider in respect of the Service.
   • The Service is at all times provided subject to the User having the followings:
     • A valid Lookcard Platform account
     • Mobile App of Lookcard as may be designated by the Service Provider from time to time
       
3. RIGHTS AND OBLIGATIONS OF USERS
   • The User shall, when using the Service, ensure that the log-in password, pre-set information and mobile phone configuration shall conform to the usage rules and instructions prescribed by the Service Provider and ensure the security and confidentiality of the password and authentication tools used by the User and change the log-in password periodically. The User should observe in a timely manner our notices and measures regarding the Service, including any security advice, specified by us from time to time.
   • The User must not act fraudulently or maliciously in relation to the Service, including by reselling, copying, modifying, adversely effecting, reverse engineering or tampering with Mobile App of LookCard in any way.
   • The User must not deliberately introduce, or risk introducing any viruses or other harmful software, not take any action to circumvent any anti-virus precaution, or to damage Mobile App in any way.
   • The User understands and accepts that any information or data transmitted through the Service is subject to risks of delay, loss, diversion, alteration, corruption and other risks associated with hardware, software and network failure. The User shall complete the relevant transaction by any other means of his/ her own accord if the Service is not available, cancelled, suspended or terminated due to aforesaid reasons.
   • The User shall be fully liable and responsible for all consequences arising from or in connection with use of the Service and/ or access to any third-party information or report or any other information as a result of such use by the User.
     
4. RIGHTS AND LIABILITIES OF THE SERVICE PROVIDER
   • The Service Provider is entitled to update and/ or reconstruct the Service system and the related scope of services from time to time by making public announcement in advance without prior notification to each individual User. If the User does not agree to such modification, the User may unsubscribe the Service provided by the Service provider within the period of time as specified in the said public announcement. The User continues to use the Service after the date of the announcement shall be deemed to agree to the modifications.
   • The Service Provider will take reasonably practicable steps to ensure that its systems in connection with the Service are installed with adequate security designs and to control and manage the risks in operating the systems, taking into account any law, rules, regulations, guidelines, circulars, codes of conduct and prevailing market practices which may be applicable to the Service Provider from time to time.
   • None of the Service Provider or any third-party information provider warrants or represents that the Service, the third party information and the reports are free from virus or other destructive features which may adversely affect the hardware, software or equipment of the User. The Service Provider shall not be liable for any breach of contract by the third-party service provider or any third party.
   • In no event shall the Service Provider be liable to the User for any incidental, indirect, special, consequential or exemplary damages including, without limitation, any loss of use, revenue, profits or savings.
     
5. AMENDMENTS
   The Service Provider reserves the right to amend, add or delete at any time the Terms and Conditions by giving reasonable prior notice to the User and such notice maybe made in such manner and by such means of communication as the Service Provider shall deem fit, including, without limitation, use of direct mailing material, advertisement, website display or electronic communications such as electronic mail. The User acknowledges and agrees that the User shall observe and comply with any such amendment, addition and/ or deletion when using, accessing and/ or operating the Service.
   
6. SUSPENSION AND TERMINATION
   • Termination by the User
     The User may suspend or terminate the Service at any time by cancelling the Lookcard Platform Account or Lookcard Credit Card, with the condition that all outstanding balances need to be cleared.
     
   • Termination by the Service Provider
     The Service Provider can suspend, restrict or end the User’s access to the Service if:
     • The User has seriously or repeatedly broken any agreement with the Service Provider or violated the Terms and Conditions;
     • The User uses the Service for any illegal purposes or otherwise in an abusive, libellous, obscene or threatening way; 
     • The Service Provider has evidence of a breach of security or misuse of the User’s account or security details.
     • The Service Provider may, at any time, without giving notice or reason suspend or terminate all or any of the Services or their use by the User. The Service Provider won’t be responsible for any losses caused by suspending, restricting or ending the User’s access to the Service.
   • Any suspension or termination of the Service is without prejudice to and shall not affect the liabilities and rights which have accrued between the User and the Service Provider prior to the date of suspension or termination.
     
7. ADDITIONAL SERVICES
   • The Service Provider may offer the User promotions in connection with a product offered by the Service Provider or a third party
   • The Service Provider will notify the User the terms of these promotions when the promotions launch. If they are provided by a third party, the promotions will be provided on the terms offered by the third party. The User will be required to accept any such terms if he/she would like to join or benefit from the promotion offers.
   • The Service Provider may vary or withdraw these promotions at any time.
   • The Service Provider does not guarantee or warrant the quality of these promotions.
     
8. LANGUAGE
   The Terms and Conditions are available in both English and Chinese versions. The English version shall prevail in the event of any discrepancy between the two versions.