「賬戶條款」的修訂通知 (「通知」)

匯立銀行有限公司（「WeLab Bank」或「我們」）謹此通知你, 我們現就賬戶條款下“保安

措施”,“定義及釋義”和銀行卡服務條款作出修訂, 並將由 2024 年 8 月 6 日起生效 （「生效
日期」）。請細閱以下內容, 以助你了解所修訂的內容及其對你的意義。

賬戶條款下”保安措施”,“定義及釋義”和銀行卡服務條款及細則的修訂如下：

項目 條款之修訂摘要 相關條款及附錄
1 修訂「個人辨認號碼」的定義並以「認證因 • 賬戶條款第 1 部中第 13
素」所取代
條 “保安措施”和第 21
• 「個人辨認號碼」將會以「認證因 條 “定義及釋義”中提
素」所取代 及「個人辨認號碼」的相
• 「認證因素」將會包括「扣賬卡個人
關賬戶條款及;
辨認號碼」及「軟令牌」

• 賬戶條款第 2 部中第 2C
節銀行卡服務之部中第
1.3 條(a), (b) (iii), (c)(i)
(ii) (iii) (iiii) (iv) (v), (d)(i),
(e), (f)(ii), (g)(ii)(iii)項

2 補充你需在發現你的賬戶有異常或可疑交易 • 賬戶條款第 1 部中第 13

後，應盡快通知我們的責任 條(g)項

3 補充你需告知我們你最新聯繫詳情的責任，並 • 賬戶條款第 1 部中第 13

說明你最新聯繫詳情將用於接收我們向你發送 條(h)項
 的重要通知（例如用於網上付款的短訊及電郵 • 賬戶條款第 2 部中第 2C
通知） 節銀行卡服務之 1.3
(b)(iv) 項

4 補充你明白採用生物識別憑證、軟令牌或裝置 • 賬戶條款第 1 部中第 13

綁定作為進行相關交易（例如非接觸式流動支 條(i)項
付）的認證因素之一所涉及的風險，以及確保
裝置和認證因素安全的相關保護措施 • 賬戶條款第 2 部中第 2C
節銀行卡服務之 1.3
(c)(vi) 項
5 修訂有關就你保護扣賬卡, 扣賬卡資料和認證 • 賬戶條款第 2 部中 2C 節
因素的責任以及當扣賬卡, 扣賬卡資料和認證 銀行卡服務之 1.3 (b)(iii),
因素已遭或懷疑泄露情況下, 我們及你的相應 (d)(i), (d)(iii), (e), (f)(ii),
1.3(g)(ii)(iii) 項
處理和責任。

修訂前:

1.3(b)(iii) 不應將扣賬卡借予他人或告知他人
你的個人辨認號碼

1.3(d)(i) 你的個人辨認號碼遭任何未經授權人
士披露或使用；

1.3(d)(iii) 你的扣賬卡遺失或遭竊

1.3(e)若你的扣賬卡遺失或遭竊，而你並無欺
詐或嚴重疏忽行為及已遵守本節所載的程式，
則你於我們接獲你扣賬卡遺失或遭竊的通知前
須承擔的責任上限為 500 港元。

1.3(f)(ii) 於我們接獲適當通知，獲知扣賬卡及
／或個人辨認號碼遺失或遭竊或被他人知悉個
人辨認號碼後發生的一切未經你授權的交易；

1.3(g)(ii) 在獲知扣賬卡遺失、遭竊或個人辨認
號碼被披露予未經授權人士 後，未能於合理
實際可行情況下盡快通知我們；
1.3(g)(iii) 未能遵守保安措施或遵循你於本節
項下的責任或我們不時就扣賬卡及個人辨認號
碼的安全及保安作出的其他建議。

修訂後:

1.3(b)(iii)不應將扣賬卡借予他人或告知他人你
的個人辨認號碼或其他資料；

1.3(d)(i) 你的認證因素或扣賬卡資料遭任何未
經授權人士披露或使用；

1.3(d)(iii) 你的扣賬卡及／或認證因素遺失或
遭竊或認證因素或扣賬卡資料遭泄露

1.3(e)若你的扣賬卡，認證因素及／或扣賬卡
資料遺失或遭竊，而你並無欺詐或嚴重疏忽行
為及已遵守本節所載的程序，則你於我們接獲
你扣賬卡遺失或遭竊(或你的認證因素或扣賬
卡資料遭泄露)的通知前須承擔的責任上限為
500 港元。

1.3(f)(ii) 於我們接獲適當通知，獲知扣賬卡及
／或認證因素遺失或遭竊或認證因素及／或扣
賬卡資料後發生的一切未經你授權的交易；

1.3(g)(ii) 在獲知扣賬卡及／或認證因素遺失、
遭竊或認證因素及／或扣賬卡資料被披露予未
經授權人士後，未能於合理實際可行情況下盡
快通知我們；或

1.3(g)(iii) 未能遵守保安措施或遵循你於本節
項下的責任或我們不時就扣賬卡, 扣賬卡資料
及認證因素的安全及保安作出的其他建議。
6 新增當你知悉或懷疑你的扣賬卡有異常或可疑 • 賬戶條款第 2 部中 2C 節
交易後，你應立即通知我們的責任 銀行卡服務之 1.3 (d)(iv)
項

7 其它輕微修訂（詳情請參閱以下連結中的修訂
後的「賬戶服務條款」）

你可點擊此預覽經修訂的「賬戶服務條款」供參閱。

請注意，如你在條款修訂生效日期或之後繼續持有 WeLab 銀行賬戶，經修訂的賬戶條款將對

您具有約束力。如果你不接受載於本通知的修訂，我們可能無法繼續向你提供 “賬戶條款”
項下預期的服務。

於修訂生效日起，你亦可以在 WeLab Bank App 和 WeLab Bank 網站中 「下載文件」>「一般文

件」找到修訂後的「賬戶條款」 或請點擊此處下載本通知。而現有的賬戶條款將從 2024 年 8
月 6 日 起不再有效，如你希望查閱修訂前的版本你亦可以在 WeLab Bank App 和 WeLab
Bank 網站中下載。

如果你有任何疑問或你想終止任何你的賬戶，請致電客戶服務熱線+852 3898 6988 或電郵至

[email protected] 與我們聯繫。

如本通知的中英文版有任何歧異，一概以英文版本為準。

WeLab Bank 謹啟

2024 年 6 月 6 日
 Notice of Changes to “Account Terms” (“Notice”)

WeLab Bank Limited (“WeLab Bank”, “we”, “our”, “us”) would like to notify you about the
amendment of the changes on Security protection, Definitions and interpretation and Card
Services under the Account Terms, which will take effect from 06 AUG 2024 (“Terms
Amendment Effective Date”). Please read the following carefully to help you understand what
has been revised and what it means to you.

The terms and conditions for Security protection, Definitions and interpretation and Card
Services under the Account Terms are amended as follows:

Item Summary of Revised Clause(s) Related Clause(s) /Appendix

1 Revised the definition of “PIN” and replaced by • Relevant clauses under
“Authentication Factors” Clause 13 “Security
protection” and Clause
• Replace “PIN” with “Authentication Factors” 21 “Definitions and
• “Authentication Factors” will include “Debit interpretation” of “Part 1-
Card Personal Identification Number” and Terms and Conditions for
“Soft-token” Accounts and Services”
which has mentioned
“PIN”; and

• Clause 1.3(a), (b) (iii),

(c)(i) (ii) (iii) (v) (v), (d)(i),
(f)(ii) (g)(ii)(iii) under
“Section 2C Card
Services” of “Part 2-
Terms and Conditions for
Accounts and Services”

2 Added new clauses to supplement your • Clause 13.1(g) of “Part 1-

responsibility for notifying us as soon as practicable Terms and Conditions for
after you identify unusual or suspicious Accounts and Services”
transactions on your Account(s);
3 Added new clauses to supplement your • Clause 13.1(h) of “Part 1-
responsibility for informing us of your most up-to- Terms and Conditions for
date contact details for the purpose of receiving Accounts and Services”
important notifications from us (for example, SMS
and email notifications for online payments)
 • Clause 1.3(b)(iv) of “Part
2-Terms and Conditions
for Accounts and
Services”
4 Added new clauses to supplement your • Clause 13.1(i) – (p) of
responsibility for understanding the associated risk “Part 1-Terms and
with the adoption of biometric, soft token or device Conditions for Accounts
binding as one of the Authentication Factors used and Services”
for initiating relevant transactions and the relevant
protection measures to secure the Devices and • Clause 1.3(c)(vi) of “Part
Authentication Factors 2-Terms and Conditions
for Accounts and
Services”

5 Revised our corresponding procedures and your • Clause 1.3(d)(i), (d)(iii),

responsibility on protecting Debit Card, Debit Card (e), (f)(ii), (g)(ii), (g)(iii)
information and Authentication Factors when the under “Section 2C Card
Debit Card or Authentication Factors have been Services” of “Part 2-
stolen or lost or Authentication Factors or your card Terms and Conditions for
information has been compromised or potentially Accounts and Services”
compromised.

Before Revision:

1.3(b)(iii) never lend the Debit Card to anybody or

tell anyone your PIN

1.3(d)(i) your PIN has been disclosed or used by any

unauthorised person;

1.3(d)(iii) your Debit Card is lost or stolen

1.3(e) If your Debit Card is lost or stolen and you

have not acted fraudulently or with gross
negligence, and have complied with the procedures
set out under this Section, your liability prior to us
receiving notification of your lost or stolen Debit
Card is limited to HKD500

1.3(f)(ii) all transactions not authorised by you after

we have been given adequate notification that the
Debit Card and / or PIN has been lost or stolen or
when someone else knows the PIN;

1.3(g)(ii) failed to inform us as soon as reasonably

practicable after becoming aware that the Debit
Card has been lost, stolen or the PIN has been
disclosed to an unauthorised person; or

1.3(g)(iii) failed to follow the safeguards or comply

with your obligations under this Section or other
recommendations of us from time to time regarding
the safety and security of the Debit Card and the
PIN

After Revision:

1.3(b)(iii) never lend the Debit Card to anybody or

tell anyone your Debit Card personal identification
number (PIN) or other details; and

1.3(d)(i) your Authentication Factors or Debit Card

information had been disclosed or used by any
unauthorised person;

1.3(d)(iii) your Debit Card and/or Authentication

Factor has been lost or stolen or your
Authentication Factor or Debit Card information has
been compromised.

1.3(e) If your Debit Card and/or Authentication

Factor has been lost or stolen or your
Authentication Factor or Debit Card information has
been compromised, and you have not acted
fraudulently or with gross negligence, and have
complied with the procedures set out under this
Section after having found that your Debit
Card/Authentication Factor has been lost or stolen
(or your Authentication Factor or Debit Card
information has been compromised), your liability
prior to us receiving notification of your lost or
stolen Debit Card or notification of such
compromise of Authentication Factor or Debit Card
information is limited to HKD500.

1.3(f)(ii) all transactions not authorised by you after

we have been given adequate notification that the
Debit Card and / or Authentication Factors has
been lost, stolen or Authentication Factors or Debit
Card information has been compromised;

1.3(g)(ii) failed to inform us as soon as reasonably

practicable after becoming aware that the Debit
Card has been lost, stolen or the Authentication
Factors or Debit Card information had been
disclosed to an unauthorised person; or

1.3(g)(iii) failed to follow the safeguards or comply

with your obligations under this Section or other
 recommendations of us from time to time regarding
the safety and security of the Debit Card, Debit
Card information and the Authentication Factors.

6 Add a new responsibility on notifying us as soon as • Clause 1.3(d)(iv)

possible when you know or suspect any unusual or under “Section 2C
suspicious transactions on your Debit Card Card Services” of
“Part 2-Terms and
Conditions for
Accounts and
Services”

7 Other minor changes (please refer to the updated

“Account Terms” via the link below for details)

Please click here for the revised Account Terms for reference.

Please note that the revised Account Terms shall be binding on you if you continue to maintain
a WeLab Bank account on or after the Terms Amendment Effective Date.

Please also note that we may not be able to continue providing the services contemplated
under the “Account Terms” to you if you do not accept the changes set out in this Notice. If you
do not accept the changes, you have the right to terminate your account(s) in accordance with
the relevant clauses under the “Account Terms” before the Terms Amendment Effective Date.

From the Terms Amendment Effective Date, any references to the “Account Terms” in any
other terms and conditions, agreements or documents entered into between us shall be
deemed to be references to the revised “Account Terms”. You may find the revised “Account
Terms” in the WeLab Bank App and on the WeLab Bank website with the selection of “Legal
Bits” > “Download Documents” > “Account Terms”. Please click here to download this Notice.

If you would like to access the prevailing version of Account Terms, which will no longer be valid
from 06 AUG 2024, it is available at our website and app. You may access and download a copy
for future reference before that if necessary.

If you have any questions, or should you wish to terminate any of your account(s), please
contact our Customer Service Hotline at +852 3898 6988 or email us at [email protected].

If there are any discrepancies between the English and Chinese versions of this Notice, the
English version shall prevail.

WeLab Bank Limited

06 JUN 2024
 「账户条款」的修订通知 (「通知」)

汇立银行有限公司（「WeLab Bank」或「我们」）谨此通知你, 我们现就账户条款下 “

保安措施”,“定义及释义”和银行卡服务条款及细则作出修订, 并将由 2024 年 6 月 6 日起生
效 （「生效日期」）。请细阅以下内容, 以助你了解所修订的内容及其对你的意义。

账户条款下”保安措施”,“定义及释义”和银行卡服务条款及细则的修订如下：

项目 条款之修订摘要 条款之修订摘要
1 修订「个人辨认号码」的定义并以「认证 • 账户条款第 1 部中第 13
条 “保安措施”和第 21 条
因素」所取代
“定义及释义”中提及
「个人辨认号码」的相关
• 「个人辨认号码」将会以「认证因 账户条款及;
素」所取代
• 「认证因素」将会包括「扣账卡密 • 账户条款第 2 部中第 2C
码」及「软令牌」 节银行卡服务之部中第
1.3 条(a), (b) (iii), (c)(i) (ii)
(iii) (iiii) (iv) (v), (d)(i), (e),
(f)(ii), (g)(ii)(iii)项

2 补充你需在发现你的账户有异常或可疑交 • 账户条款第 1 部中第 13

易后，应尽快通知我们的责任 条(g)项

3 补充你需告知我们你最新联系详情的责 • 账户条款第 1 部中第 13

任，并说明你最新联系详情将用于接收我 条(h)项
们向你发送的重要通知（例如用于网上付
款的短讯及电邮通知） • 账户条款第 2 部中第 2C
节银行卡服务之 1.3
(b)(iv) 项
4 补充你明白采用生物识别凭证、软令牌或 • 账户条款第 1 部中第 13
装置绑定作为进行相关交易（例如非接触 条(i)项
式流动支付）的认证因素之一所涉及的风
 险，以及确保装置和认证因素安全的相关 • 账户条款第 2 部中第 2C
保护措施 节银行卡服务之 1.3
(c)(vi) 项

5 修订有关你就保护扣账卡, 扣账卡资料和认 • 账户条款第 2 部中 2C 节

证因素的责任以及扣账卡, 扣账卡资料和认 银行卡服务之 1.3 (b)(iii),
证因素已遭或怀疑泄露情况下, 我们及你的 (d)(i), (d)(iii), (e), (f)(ii),
相应处理和责任。 1.3(g)(ii), (g)(iii) 项

修订前:

1.3(b)(iii) 不应将扣账卡借予他人或告知他
人你的个人辨认号码

1.3(d)(i)你的个人辨认号码遭任何未经授权
人士披露或使用；

1.3(d)(iii) 你的扣账卡遗失或遭窃

1.3(e)若你的扣账卡遗失或遭窃，而你并无
欺诈或严重疏忽行为及已遵守本节所载的
程式，则你于我们接获你扣账卡遗失或遭
窃的通知前须承担的责任上限为 500 港
元。

1.3(f)(ii) 于我们接获适当通知，获知扣账卡
及／或个人辨认号码遗失或遭窃或被他人
知悉个人辨认号码后发生的一切未经你授
权的交易；

1.3(g)(ii) 在获知扣账卡遗失、遭窃或个人辨
认号码被披露予未经授权人士 后，未能于
合理实际可行情况下尽快通知我们；或

1.3(g)(iii) 未能遵守保安措施或遵循你于本
节项下的责任或我们不时就扣账卡及个人
辨认号码的安全及保安作出的其他建议。
 修订后:

1.3(b)(iii) 不应将扣账卡借予他人或告知他
人你的个人辨认号码或其他资料；

1.3(d)(i) 你的认证因素或扣账卡资料遭任何
未经授权人士披露或使用；

1.3(d)(iii) 你的扣账卡及／或认证因素遗失
或遭窃或认证因素或扣账卡资料遭泄露

1.3(e) 若你的扣账卡，认证因素及／或扣账
卡资料遗失或遭窃，而你并无欺诈或严重
疏忽行为及已遵守本节所载的程序，则你
于我们接获你扣账卡遗失或遭窃(或你的认
证因素或扣账卡资料遭泄露)的通知前须承
担的责任上限为 500 港元。

1.3(f)(ii) 于我们接获适当通知，获知扣账卡
及／或遗失或遭窃或被他人知悉认证因素
及／或扣账卡资料后发生的一切未经你授
权的交易；

1.3(g)(ii) 在获知扣账卡及／或认证因素遗
失、遭窃或认证因素及／或扣账卡资料被
披露予未经授权人士后，未能于合理实际
可行情况下尽快通知我们；或

1.3(g)(iii) 未能遵守保安措施或遵循你于本
节项下的责任或我们不时就扣账卡, 扣账卡
资料及认证因素的安全及保安作出的其他
建议。

6 新增当你知悉或怀疑你的扣账卡有异常或 賬戶條款第 2 部中 2C 節 銀行卡

可疑交易后，你应立即通知我们的责任 服務之 1.3 (d)(iv)

7 其它轻微修订（详情请参阅以下连结中的
修订后的「账户服务条款」）
你可点击此预览经修订的「账户条款条款」供参阅。

请注意，如你在条款修订生效日期或之后继续持有汇立银行账户，经修订的账户条款将对您具
有约束力。如果你不接受载于本通知的修订，我们可能无法继续向你提供 “账户条款”项下
预期的服务。

于修订生效日起，你亦可以在汇立银行 App 和汇立银行网站中 「下载文件」>「一般文件」

找到修订后的「账户条款」 或请点击此处下载本通知。而现有的账户条款将从 2024 年 8 月 6
日 起不再有效，如你希望查阅修订前的版本你亦可以在汇立银行 App 和汇立银行网站中下
载。

如果你有任何疑问或你想终止任何你的账户，请致电客 户服务热线+852 3898 6988 或电邮

至 [email protected] 与我们联系。

如本通知的中英文版有任何歧异，一概以英文版本为准

汇立银行謹啟

2024 年 6 月 6 日