Prepaid Card Terms & Conditions

 

 

  • By accepting, purchasing, signing or using the 33 Finance Personal Prepaid Card, including 33 Finance Mastercard Personal Prepaid Card, 33 Finance UnionPay Personal Prepaid Card, 33 Finance Co-branded Mastercard Personal Prepaid Card and 33 Finance Co-branded UnionPay Personal Prepaid Card issued by 33 Financial Services Limited (“33 Finance”) (“Personal Card”), you agree to be bound by these Terms and Conditions below. “You”, “your” and “cardholder” refer to the person who has applied and used the Personal Card. “We”, “us” and “our” refer to 33 Finance.
  • The Personal Card
      • 1.
      • The Personal Card is a reloadable card with a pre-determined minimum card initial load amount and a maximum card stored value limit. Cash reload can be done instantly in general. Bank transfer reload can normally be done on the same day or the next business day, subject to the actual time the money transfer is credited to our account by the bank. Reloading by credit transfer via Faster Payment System (FPS) can normally be done instantly, terms of use as stated in Clause 1.1 apply . Respective Co-branded Personal Card may have restrictions on cardholder load / reload, please refer to Clause 4. Personal Card is non-transferable.
      • 1.1.
      • Credit Transfer via FPS
      • 1.1.1.
      • We accept credit transfer via FPS and provide “Addressing Service” provided by Hong Kong Interbank Clearing Limited and its successors and assigns (“HKICL”) in connection with the FPS in order to facilitate fund reloading on Personal Card (“the Services”). FPS is provided and operated by HKICL. The Services are therefore subject to the 33 Finance Prepaid Card Terms and Conditions and the rules, guidelines and procedures imposed by HKICL in relation to FPS from time to time.
      • 1.1.2.
      • All the relevant limits stated in Clause 4 apply. The minimum and maximum amounts of fund that can be transferred to Personal Card also subject to the limits as imposed by the Participant (means a participant of HKICL FPS which may be a bank or other financial institution, a retail payment system operator, a licensed stored value facility, or any other person accepted by HKICL as a participant of HKICL FPS from time to time), if any.
      • 1.1.3.
      • By requesting us to register/amend your Proxy ID (means the identifier accepted by HKICL for registration in the Addressing Service to identify the account of you) in the HKICL FPS in order to use the Addressing Service (means the service to facilitate you to use predefined Proxy ID instead of account number to identify destination of fund transfer) to receive credit transfer on your Personal Card using FPS, you have to provide or input the necessary information and complete the registration process via the 33 Finance mobile app (33 Finance v2). You understand and agree that the Customer Information (means all personal data and information provided to us or compiled by us from time to time in connection with the Services) may be further disclosed or transferred by HKICL, us or any other Participants to their customers and any other third parties who are users of HKICL FPS for the purposes of providing and operating the Addressing Service.
      • 1.1.4.
      • Addressing Service is only available for UnionPay Personal Cards and Mastercard Personal Cards with card number starts with 5395. We only accept using Hong Kong or mainland China mobile phone number, which must be the same number registered by you as contact information on our records, as Proxy ID. You can only register your own Proxy ID for your own accounts. By instructing us to register any Proxy ID or any account for you in relation to FPS, you confirm that you are the present genuine owner of the relevant Proxy ID or account.
      • 1.1.5.
      • We will process and submit your instructions and requests to HKICL FPS in accordance with the applicable rules, guidelines and procedures imposed by HKICL from time to time. HKICL FPS has the right to process and execute your instructions and requests in such sequence or manner as HKICL considers appropriate. We have no control over the operation of HKICL FPS nor the timing on which your instructions or requests are executed by HKICL FPS. Where we receive status update notifications of your Proxy ID registration from or through HKICL FPS, we will notify you accordingly. A system notification message will reach you in the 33 Finance mobile app in 30 seconds normally. Please stay login to receive the notification to ensure the registration process is completed.
      • 1.1.6.
      • You are fully responsible for using the correct and up-to-date Proxy ID and related records in receiving funds on your Personal Card. You are solely liable for and will hold us harmless from any incorrect credit transfer received effected by us and HKICL FPS due to incorrect or outdated Proxy ID or related records. You are fully responsible for giving instructions and information changes or updates to us on a timely basis for amending your Proxy ID (or related records), including without limitation changing your Default Account, or terminating any Proxy ID. You acknowledge that keeping your Proxy ID and all related records up-to-date is critical for ensuring effective execution of credit transfer and for avoiding incorrect transfer due to incorrect or outdated Proxy ID or related records.
      • 1.1.7.
      • At any time where the same Proxy ID is registered by you for more than one account (whether maintained with us or with any other FPS Participants), you must set one account as the Default Account. By instructing us to set or change the Default Account for you, you consent and authorise us to submit the request on your behalf to HKICL FPS to override the existing Default Account registered in HKICL FPS.
      • 1.1.8.
      • By choosing and instructing us to set your Personal Card as Default Account for receiving credit transfer using HKICL FPS, you consent and authorise us to submit the request on your behalf to HKICL FPS to override the existing Default Account registered in HKICL FPS if any. The funds received through HKICL FPS from you or any third party will be credited to your Personal Card. Even though you have not registered Proxy ID and Addressing Service, you and any third party can still transfer funds to your Personal Card via FPS by using your card number. You should frequently check the fund transfer records via our 33 Finance mobile app or website and notify us if there’s any suspicious transfer or any transfer that you are not entitled to.
      • 1.1.9.
      • If an account is terminated as the Default Account by you or by the relevant Participant for any reason (including suspension or termination of the account), the system of HKICL will automatically assign the most recently registered record in the Addressing Service that is associated with the same Proxy ID to be the Default Account. If you wish to set another account as the Default Account, you have to change the registration through the Participant where you maintain that other account. For any Proxy ID registration, once you submit an instruction to us, such instruction is irrevocable and binding on you. You may amend or cancel any Proxy ID in accordance with the procedures and requirements prescribed by us from time to time.
      • 1.1.10.
      • We reserve the right to suspend or terminate the Services in whole or in part at any time without giving notice or reason.
      • 1.1.11.
      • We are not liable for loss, damage or expense of any kind which you or any other person may incur or suffer arising from or in connection with the use of the Services or the processing or execution of instructions or requests given by you in relation to the Services or HKICL FPS.
      • 1.1.12.
      • If the Customer Information includes personal data or other information of any person other than yourself, you confirm that you will obtain and has obtained the consent from such person regarding the use (including disclosure and transfer) of his/her personal data and other information by HKICL, us and the other Participants.
      • 2.
      • Each time you use the Personal Card for any payment or withdrawal, the amount of each purchase or cash withdrawal with applicable fees and charges will be immediately deducted from the Personal Card.
      • 3.
      • The fees and charges listed in the 33 Finance Prepaid Card Fees and Charges Table for Personal Card published on our website www.33finance.com are applicable to the Personal Card. You agree that we can directly debit the applicable fees and charges from your Personal Card. The most updated applicable fees and charges as stated in the 33 Finance Prepaid Card Fees and Charges Table for Personal Card on our website www.33finance.com should be binding on you if you continue to use or retain the Personal Card. Any such fees and charges may be varied subject to 33 Finance’s notice for a period of not less than 30 days.
      • 4.
      • Personal Card is subject to the following limits:
      • Mastercard UnionPay
        33 Finance Mastercard Personal Prepaid Card 33 Finance Co-branded Mastercard Personal Prepaid Card 33 Finance UnionPay Personal Prepaid Card 33 Finance Co-branded UnionPay Personal Prepaid Card
        Card number starts with 5392 and 5388 Card number starts with 5395 and 5400
        Maximum Card Stored Value Limit HKD75,000 (HKD Card)/
        USD9,500 (USD Card)/
        EUR8,500 (EUR Card)/
        JPY950,000 (JPY Card)
        HKD200,000 (HKD Card)/
        USD25,000 (USD Card)/
        EUR20,000 (EUR Card)/
        JPY2,500,000 (JPY Card)
        Land-FX1 / Virgin Health / Peya Travel: HKD75,000
        Easy Card: HKD39,000
        UNIVA Social Card2: JPY2,500,000
        HKD200,000 ECT Card: HKD100,000
        Minimum Card Initial Load Amount HKD500 (HKD Card)/USD65 (USD Card)/
        EUR50 (EUR Card)/ JPY7,500 (JPY Card)
        Land-FX1 / Virgin Health / Peya Travel / Easy Card: HKD500
        UNIVA Social Card2: JPY7,500
        HKD500 ECT Card: HKD500
        Minimum Card Reload Amount HKD200 (HKD Card)/USD30 (USD Card)/
        EUR20 (EUR Card)/ JPY2,000 (JPY Card)
        Land-FX1 / Virgin Health / Peya Travel / Easy Card: HKD200
        UNIVA Social Card2: JPY2,000
        HKD200 ECT Card: HKD200
        Maximum Card Daily Load/Reload Limit HKD75,000 (HKD Card)/
        USD9,500 (USD Card)/
        EUR8,500 (EUR Card)/
        JPY950,000 (JPY Card)
        Land-FX1 / Virgin Health / Peya Travel: HKD75,000
        Easy Card: HKD39,000
        UNIVA Social Card2: JPY950,000
        HKD200,000 ECT Card: HKD100,000
        Maximum Card Monthly Load/Reload Limit HKD75,000 (HKD Card)/
        USD9,500 (USD Card)/
        EUR8,500 (EUR Card)/
        JPY950,000 (JPY Card)
        HKD200,000 (HKD Card)/
        USD25,000 (USD Card)/
        EUR20,000 (EUR Card)/
        JPY2,500,000 (JPY Card)
        Land-FX1 / Virgin Health / Peya Travel: HKD75,000
        Easy Card: HKD39,000
        UNIVA Social Card2: JPY2,500,000
        HKD200,000 ECT Card: HKD100,000
        Maximum Customer Monthly Load/Reload Limit HKD200,000 or equivalent
        (The total load/reload amount a customer made on all the 33 Finance Personal Prepaid Cards issued under the customer’s name)
        Maximum Customer Monthly Cash Load/Reload Limit HKD100,000 or equivalent
        (The total load / reload amount a customer made by cash on all the 33 Finance Personal Prepaid Cards issued under the customer’s name)
        Maximum Customer Stored Value Limit HKD200,000 or equivalent
        (The total value a customer stored on all the 33 Finance Personal Prepaid cards issued under the customer’s name)
        Maximum Number Of Cards Per Customer 3
        (each customer can hold a maximum of 3 Personal Cards in total)
        Maximum ATM Cash Withdrawal Daily Limit* HKD40,000 (HKD Card) / USD5,000 (USD Card) /
        EUR4,500 (EUR Card) / JPY500,000 (JPY Card)
        LandFX / Virgin Health / Peya Travel: HKD40,000
        Easy Card: HKD39,000
        UNIVA Social Card: JPY500,000
        HKD40,000 ECT Card: HKD40,000

        * The minimum and maximum amounts of withdrawal that can be obtained in a single transaction are determined by the settings of the relevant ATM operator
        1 Load and reload on Land-FX card can only be via the co-branded partner Land-FX
        2 load and reload on UNIVA Social Card is not open for Cardholder

        We reserve the rights to amend the limits at any time with 30 days’ notice. If you continue to use or retain the Personal Card, the most updated applicable card and usage limits of respective Personal Card should be binding on you.

  • The use of the Personal Card
      • 5.
      • Once the Personal Card is issued, Card Management Monthly Fee per card applies. The fee will be waived for the first 12 months, therefore, it will only be imposed starting from the 13th to 24th month after the card is issued.
      • 6.
      • Before using the Personal Card, you must sign on the back of the card and activate the card by calling 33 Finance Customer Service Hotline, login our mobile app, our WeChat (Chinese version only, and except for the Mastercard Personal Card with card number starts with 5392 and 5388) or website at www.33finance.com. Co-branded Personal Card cardholders can also activate the card through the customer service channels of the respective co-branding partner (if available and applicable).
      • 7.
      • A Personal Identification Number (“PIN”) is imprinted and covered by silver scratch panel at the back of the Personal Card. Cardholder must use this PIN to enter the 33 Finance Prepaid Card platform by calling 33 Finance Customer Service Hotline, login our mobile app, our WeChat (Chinese version only, and except for the Mastercard Personal Card with card number starts with 5392 and 5388) or website at www.33finance.com to change the PIN immediately. Co-branded Personal Card cardholders can also use this PIN to access the 33 Finance Prepaid Card platform through the customer service channels of the respective co-branding partner (if available and applicable). You are highly recommended to change the PIN from time to time for your account security. Please do not disclose the PIN of your Personal Card to anyone, including the staff of our company and our co-branded partners.
      • 8.
      • Mastercard Personal Card can be used in payment for goods and services at merchants displaying Mastercard logo or accepting Mastercard for payment, subject to the merchants’ final decision and judgement. UnionPay Personal Card can be used in payment for goods and services at merchants displaying UnionPay logo or accepting UnionPay for payment, subject to the merchants’ final decision and judgement. UnionPay Personal Card with card number starts with 6291 does not support online payment in general. Cardholder cannot use the Personal Card for cryptocurrency related transactions.
      • 9.
      • At the time of payment, Mastercard Personal Card cardholder must present the Personal Card and sign the purchase receipt with the same signature you signed on the back of the Personal Card or pay with Mastercard Contactless Payment (if applicable). UnionPay Personal Card cardholder must present the Personal Card and sign the purchase receipt with the same signature you signed on the back of the Personal Card and / or enter your 6-digit PIN (subject to the PIN-based or signature-based nature of the UnionPay Personal Card), or pay with UnionPay QuickPass (if applicable).
      • 10.
      • Cash withdrawal from an ATM is available. You must input a correct PIN to do so. A handling fee per transaction will be charged. This charge will be deducted from the Personal Card’s remaining balance.
      • 11.
      • Once the Personal Card is expired and the available balance has dropped to zero, the Personal Card is no longer valid. We suggest you to cut the Personal Card into halves before disposal.
      • 12.
      • You should understand that using the Mastercard Personal Card as guarantee of payment at merchants, e.g. Petrol Station, Cruises, Car Rental and Hotel, an amount will be placed on hold according to the merchant’s estimated bill and the account balance may become temporarily unavailable for usage. The UnionPay Personal Card does not support making guarantee of payment at merchants. Besides, Personal Card does not support recurring billing transactions.
  • Foreign Currency Transactions / Overseas Transactions
    • Foreign Currency Transactions are transactions effected in a currency other than the Card Currency, including all local, overseas and online transactions.
    • Overseas Transactions are transactions (including online transactions) incurred outside Hong Kong regardless of the transaction currency. Transaction location is subject to the actual country / territories where the merchant processes the transactions. For enquiries on the actual transaction processing location of the online transactions, please contact the respective merchant.
      • 13.
      • Foreign Currency Transactions will be converted into the Card Currency at a rate of exchange determined by reference to the exchange rate adopted by Mastercard (for Mastercard Personal Card)* and UnionPay (for UnionPay Personal Card) on the date of conversion. A transaction which is classified as a Foreign Currency Transaction and/or Overseas Transaction will be charged handling fee(s). This is in addition to any transaction levied by Mastercard (on Mastercard Personal Card) and UnionPay (on UnionPay Personal Card) and will be automatically deducted from the Personal Card. * For smooth transaction processing, an amount equivalent to 5% of the transaction amount will
        be placed on hold on the transaction date to cater for the possible fluctuation of foreign exchange rate on the date of transaction and on the date of conversion as adopted by Mastercard. The amount hold in excess, if any, will be released back to the card after the transaction has been settled.
  • Available Balance Enquiry
      • 14.
      • No card statement will be issued, but you can apply for detailed transaction record. Detailed Transaction Record Fee applies which will be charged on each month’s transaction record.
      • 15.
      • You can check your card’s available balance by calling 33 Finance Customer Service Hotline, login our mobile app, our WeChat (Chinese version only, and except for the Mastercard Personal Card with card number starts with 5392 and 5388) or website at www.33finance.com, no charges will be applied. Co-branded Personal Card cardholders can also check the card’s available balance through the customer service channels of the respective co-branding partner (if available and applicable). Alternatively, the card’s available balance can be checked at ATMs (with Mastercard logo for Mastercard Personal Card / with UnionPay logo for UnionPay Personal Card) with a handling fee imposed for each enquiry and this charge will be deducted from the Personal Card.
      • 16.
      • You can check your transaction history free-of-charge by calling 33 Finance Customer Service Hotline, login our mobile app, our WeChat (Chinese version only, and except for the Mastercard Personal Card with card number starts with 5392 and 5388) or visiting our website at www.33finance.com. Co-branded Personal Card cardholders can also check the card’s transaction history through the customer service channels of the respective co-branding partner (if available and applicable). You should notify us of any error, omission and/or any transaction not authorized by you within 45 days of the transaction date. If you do not notify us within the specified period, the transactions shown will be considered as correct. We highly recommend you to check their own transaction records frequently.
  • Loss and Theft of Personal Card
      • 17.
      • If a Personal Card is lost or stolen, you will be liable for all the transactions in your Personal Card (including cash withdrawals) incurred before we receive report of loss and theft from you.
  • PIN and Card Replacement
      • 18.
      • The PIN will not be re-issued if it is forgotten. You need to apply for a replacement card.
      • 19.
      • Replacement of Personal Card will be issued free-of-charge in case of card malfunction which is not caused by you and the defective card is returned to us on or before the card expiry date for cancellation.
      • 20.
      • If the Personal Card is damaged due to misuse, a replacement card may be issued upon request provided that the Personal Card is returned to us on or before the card expiry date for cancellation. A Card Replacement Fee will be deducted from the card.
      • 21.
      • You will be asked to present your proof of identification for the issuance of a replacement card.
      • 22.
      • The replacement card, if issued, will be in the amount of the available balance of the replaced Personal Card in accordance with our record deducts all fees and charges.
      • 23.
      • We reserve the rights to decline the issuance of a replacement card.
  • Expiry and Transfer
      • 24.
      • The Personal Card is valid for 24 months from the date the card is issued. You can check the card expiry date by calling 33 Finance Customer Service Hotline, login our mobile app, our WeChat (Chinese version only, and except for the Mastercard Personal Card with card number starts with 5392 and 5388) or visiting our website at www.33finance.com. Co-branded Personal Card cardholders can also check the card’s expiry date through the customer service channels of the respective co-branding partner (if available and applicable). Expired Card Management Fee will be deducted from the remaining balance of the Personal Card each month until the card becomes zero balance.
        [Please note: The “VALID THRU” date on the Mastercard Personal Card card face, in the format of “MONTH/YEAR”, is the validity period of use of that piece of card which is for online purchase input. The actual expiration calculation of the card is based on the date that the card is issued.]
      • 25.
      • You may come to our office, respective co-branded partner or designated agents to replace your old Personal Card one month before and any time after the card expiry date. Card Renewal Fee and minimum card initial load amount applies. The old card should be returned to us for cancellation and the remaining balance will be transferred to the new card after the deduction of a Card Renewal Fee. You will be asked to provide your proof of identification for this replacement request. Please refer to Clause 29 if you prefer balance redemption instead.
      • 26.
      • We will not accept merchant refund to expired Card, please ensure the refund is done before the Personal Card is expired.
  • Exclusion of Liability
      • 27.
      • We will not be responsible or liable for any refusal by any merchants in accepting the Personal Card for the payment of any goods or services purchased. Any dispute relating to any transactions shall be settled directly between you and the merchant. We will not be liable to you in respect of any losses or damages that you or any third party may suffer in connection with or arising from the Personal Card.
  • Termination / Redemption
      • 28.
      • We reserve the rights at any time to terminate the use of the Personal Card and / or any services offered or to reject any transaction without giving any prior notice or reason. We shall not be liable for any losses or damages of whatever nature which you may suffer whether directly or indirectly as a result of such termination or disapproval. Upon termination, the Personal Card is to be surrendered to us on demand.
      • 29.
      • You are encouraged to spend the remaining balance in your Personal Card before the card expiration date. However, you may terminate the Card services and apply balance redemption at any time. You need to visit our office in person, complete a Card Cancellation Form with identification proof and return the Personal Card. Please note that a Redemption Fee will be deducted from the remaining balance prior to cheque issuance. For card with balance equals to or below the applicable redemption fee, no redemption will be processed. A HKD or USD cheque for the remaining balance will be sent to you within 45 days after the claim. If currency conversion involved in the cheque currency you choose, a rate of exchange as determined by 33 Finance will be adopted.
  • Personal Data
      • 30.
      • You agree that we can use your personal information in accordance with our policies and practices, use and disclosure of personal data as set out in our current Privacy Policy Statement and you have read the Statement from our website at www.33finance.com.
      • 31.
      • The collection and use of personal data by the co-branding partner provided by you to the co-branding partner in relation to the application and servicing of the respective Co-branded Personal Card will be governed by co-branding partner’s own privacy policy.
  • Amendments
      • 32.
      • We reserve the rights to amend these Terms and Conditions at any time with 30 days’ notice. Our website displays the current Terms and Conditions.
      • 33.
      • Retention or use of the Personal Card after such amendments become effective shall constitute your acceptance of such amendments. All matters and disputes will be subject to our final decision.
  • Law and Jurisdiction
      • 34.
      • These Terms and Conditions shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region (“Hong Kong”) and the parties agree to submit to the exclusive jurisdiction of the courts of Hong Kong.
  • General
      • 35.
      • If any of these Terms and Conditions is or becomes illegal, invalid or unenforceable in any respect, the remaining Terms and Conditions shall not be affected thereby.
      • 36.
      • These Terms and Conditions are written in both English and Chinese. If there is any inconsistency or conflict between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

September 2019 (Version 1.3)

      • By accepting, purchasing, signing or using the 33 Finance Gift Card, including 33 Finance Mastercard Gift Card and 33 Finance UnionPay Gfit Card issued by 33 Financial Services Limited (“33 Finance”) (“Gift Card”), you agree to be bound by these Terms and Conditions below. “You”, “your” and “cardholder” refer to the person who has purchased and / or used the Gift Card. “We”,“us” and “our” refer to 33 Finance.
      • The Gift Card
          • 1.
          • Gift Card is a disposable and non-reloadable Prepaid Gift Card with a pre-determined value of not exceeding HKD 7,500 for HKD Mastercard Gift Card, USD 1,000 for USD Mastercard Gift Card and HKD8,000 for HKD UnionPay Gift Card. Gift Card is non-transferable once it is signed. Gift card cannot be resold.
          • 2.
          • Each time you use Gift Card for any payment, the amount of each purchase with applicable fees and charges will be immediately deducted from the Gift Card.
          • 3.
          • The fees and charges listed in the 33 Finance Prepaid Card Fees and Charges Table for Gift Card published on our website www.33finance.com are applicable to the Gift Card. You agree that we can directly debit the applicable fees and charges from your Gift Card. The most updated applicable fees and charges as stated in the 33 Finance Prepaid Card Fees and Charges Table for Gift Card on our website www.33finance.com should be binding on you if you continue to use or retain the Gift Card. Any such fees and charges may be varied subject to 33 Finance’s notice for a period of not less than 30 days.
      • The Use of the Gift Card
          • 4.
          • Before using the Gift Card, you should sign on the back of the card.
          • 5.
          • A Personal Identification Number (“PIN”) is imprinted and covered by silver scratch panel at the back of the Gift Card. Cardholder must use this PIN to enter the 33 Finance Prepaid Card platform by calling 33 Finance Customer Service Hotline, login our mobile app, WeChat (Chinese version only, and except for the Mastercard Gift Card with card number starts with 5392 and 5388) or website at www.33finance.com to change the PIN immediately. You are highly recommended to change the PIN from time to time for your card security.
          • 6.
          • The Gift Card can be used in payment for goods and services at merchants displaying Mastercard logo or accepting Mastercard for payment (for Mastercard Gift Card) and UnionPay logo or accepting UnionPay for payment (for UnionPay Gift Card), subject to the merchants’ final decision and judgement. UnionPay Gift Card with card number starts with 6291 does not support online payment in general. Cardholder cannot use the Gift Card for
            cryptocurrency related transactions.
          • 7.
          • At the time of payment, Mastercard Gift Card cardholder must present the Gift Card and sign the purchase receipt with the same signature you signed on the back of the Gift Card. UnionPay Gift Card cardholder must present the Gift Card and sign the purchase receipt with the same signature you signed on the back of the Gift Card and/or enter your 6-digit PIN (subject to the PIN-based or signature-based nature of the UnionPay Gift Card).
          • 9.
          • Once the available balance in the Gift Card has dropped to zero, the Card is no longer valid. We suggest the cardholder cut the card into halves before disposal.
          • 10.
          • Using the Mastercard Gift Card as guarantee of payment at merchants (e.g. Petrol Station, Cruises, Car Rental and Hotel), the amount will be placed on hold according to the merchant’s estimated bill and the account balance may become temporarily unavailable for usage. The UnionPay Gift Card does not support making guarantee of payment at merchants. Besides, Gift Card does not support recurring billing transactions.
      • Foreign Currency Transactions / Overseas Transactions
        • Foreign Currency Transactions are transactions effected in a currency other than the Card Currency, including all local, overseas and online transactions.
        • Overseas Transactions are transactions (including online transactions) incurred outside Hong Kong regardless of the transaction currency. Transaction location is subject to the actual country / territories where the merchant processes the transactions. For enquiries on the actual transaction processing location of the online transactions, please contact the respective merchant.
          • 11.
          • Foreign Currency Transactions will be converted into the Card Currency at a rate of exchange determined by reference to the exchange rate adopted by Mastercard (for Mastercard Gift Card)* and UnionPay (for UnionPay Gift Card) on the date of conversion. A transaction which is classified as a Foreign Currency Transaction and / or Overseas Transaction will be charged handling fee(s). This is in addition to any transaction fees levied by Mastercard (for Mastercard Gift Card) and UnionPay (for UnionPay Gift Card) and will be automatically deducted from the Gift Card. * For smooth transaction processing, an amount equivalent to 5% of the transaction amount will be placed on hold on the transaction date to cater for the possible fluctuation of foreign exchange rate on the date of transaction and on the date of conversion as adopted by Mastercard. The amount hold in excess, if any, will be released back to the card after the transaction has been settled.
      • Available Balance Enquiry
          • 12.
          • No card statement will be issued, but you can apply for detailed transaction record. Detailed Transaction Record Fee applies which will be charged on each month’s transaction record.
          • 13.
          • You can check your Gift Card’s available balance by calling 33 Finance Customer Service Hotline, login our mobile app, WeChat (Chinese version only, and except for the Mastercard Gift Card with card number starts with 5392 and 5388) or website at www.33finance.com, no charges will be applied. Alternatively, the Gift Card’s available balance can be checked at ATMs (with Mastercard logo for Mastercard Gift Card / with UnionPay logo for UnionPay Gift Card) with a handling fee imposed for each enquiry and this charge will be deducted from the Gift Card.
          • 14.
          • You can check your transaction history free-of-charge by calling 33 Finance Customer Service Hotline, login our mobile app, WeChat (Chinese version only, and except for the Mastercard Gift Card with card number starts with 5392 and 5388) or visiting our website at www.33finance.com. You should notify us of any error, omission and / or any transaction not authorized by you within 45 days of the transaction date. If you do not notify us within the specified period, the transactions shown will be considered as correct. We highly recommend cardholders to check their own transaction records frequently.
      • Loss and Theft of Gift Card
          • 15.
          • Gift Card will not be replaced or have the remaining balance refunded if it is lost, stolen or captured by an ATM.
      • PIN and Card Replacement
          • 16.
          • The PIN will not be re-issued if it is forgotten. You need to apply for a replacement card. Card Replacement Fee applies.
          • 17.
          • Replacement of Gift Card will be issued free-of-charge in case of card malfunction which is not caused by you and the defective card is returned to us on or before the card expiry date for cancellation.
          • 18.
          • If the Gift Card is damaged due to misuse, a replacement card may be issued upon request provided that the Gift Card is returned to us on or before the card expiry date for cancellation. Card Replacement Fee will be deducted from the Gift Card.
          • 19.
          • You will be asked to present your proof of identification for the issuance of a replacement card.
          • 20.
          • The replacement card, if issued, will be in the amount of the available balance of the replaced Gift Card in accordance with our record deducts all fees and charges.
          • 21.
          • We reserve the rights to decline the issuance of a replacement card.
      • Expiry
          • 22.
          • Gift Card is valid for 12 months from the date the card is purchased. You can check the card expiry date by calling 33 Finance Customer Service Hotline, login our mobile app, WeChat (Chinese version only, and except for the Mastercard Gift Card with card number starts with 5392 and 5388) or website at www.33finance.com. Expired Card Management Fee will be deducted from the remaining balance of the expired Gift Card each month until the card becomes zero balance. [Please note: The “VALID THRU’ date on the card face of Mastercard Gift Card, in the format of “MONTH / YEAR,” is the validity period of use of that piece of card which is for online purchase input. The actual expiration calculation of the card is based on the date that the card was purchased.]
          • 23.
          • We will not accept merchant refund to expired Gift Card, please ensure the refund is done before the Gift Card is expired.
      • Exclusion of Liability
          • 24.
          • We will not be responsible or liable for any refusal by any merchants in accepting the Gift Card for the payment of any goods or services purchased. Any dispute relating to any transactions shall be settled directly between you and the merchant. We will not be liable to you in respect of any losses or damages that you or any third party may suffer in connection with or arising from the Gift Card.
      • Termination / Redemption
          • 25.
          • We reserve the rights at any time to terminate the use of the Gift Card and / or any services offered or to reject any transaction without giving any prior notice or reason. We shall not be liable for any losses or damages of whatever nature which you may suffer whether directly or indirectly as a result of such termination or disapproval. Upon termination, the Gift Card is to be surrendered to us on demand.
          • 26.
          • You are encouraged to spend the remaining balance in your Gift Card before the card expiration date. However, you may terminate the Card services and apply balance redemption at any time. You need to visit our office in person, complete a Card Cancellation Form with identification proof and return your Gift Card to us. Please note that a Card Redemption Fee will be deducted from the remaining balance prior to cheque issuance. For Gift Card with balance equal to or below the applicable redemption fee, no redemption will be processed. A HKD or USD cheque for the remaining balance will be sent to you within 45 days after the claim. If currency conversion involved in the cheque currency you choose, a rate of exchange as determined by 33 Finance will be adopted.
      • Personal Data
          • 27.
          • You agree that we can use your personal information in accordance with our policies and practices, use and disclosure of personal data as set out in our current Privacy Policy Statement (the “Statement”) and you have read the Statement from our website at www.33finance.com.
      • Amendments
          • 28.
          • We reserve the rights to amend these Terms and Conditions at any time with not less than 30 days’ notice. Our website displays the current Terms and Conditions.
          • 29.
          • Retention or use of the Gift Card after such amendments become effective shall constitute your acceptance of such amendments. All matters and disputes will be subject to our final decision.
      • Law and Jurisdiction
          • 30.
          • These Terms and Conditions shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region (“Hong Kong”) and the parties agree to submit to the exclusive jurisdiction of the courts of Hong Kong.
      • General
          • 31.
          • If any of these Terms and Conditions is or becomes illegal, invalid or unenforceable in any respect, the remaining Terms and Conditions shall not be affected thereby.
          • 32.
          • These Terms and Conditions are written in both English and Chinese. If there is any inconsistency or conflict between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

September 2019 (1.2)

  • By accepting, purchasing or using the Harbour City Gift Card (“HC Gift Card”), issued by 33 Financial Services Limited (“33 Finance”), you agree to be bound by these Terms and Conditions below. “You”, “your” and “cardholder” refer to the person who has purchased and / or used the HC Gift Card. “We”, “us” and “our” refer to 33 Finance.
  • The HC Gift Card
      • 1.
      • HC Gift Card is an anonymous and non-reloadable Gift Card with a pre-determined value of not exceeding HKD8,000.
      • 2.
      • The HC Gift Card can only be used for payment for goods and services at outlets of Harbour City (“merchants”) accepting UnionPay Card, subject to the merchants’ final decision and judgement. HC Gift Card does not support making guarantee of payment at merchants. HC Gift Card is Harbour City’s Private Label Gift Card, its transaction is not the same as the standard UnionPay transaction. For any enquires on HC Gift Card transaction, please call Harbour City Gift Card Customer Service Hotline.
      • 3.
      • Each time you use HC Gift Card for any payment, the amount of each purchase with applicable fees and charges will be immediately deducted from the card.
      • 4.
      • The fees and charges listed in the Harbour City Gift Card Fees and Charges Table published on our website www.33finance.com are applicable to the HC Gift Card. You agree that we can directly debit the applicable fees and charges from your HC Gift Card. The most updated applicable fees and charges as stated in the Harbour City Gift Card Fees and Charges Table on our website www.33finance.com should be binding on the HC Gift Card cardholder if the cardholder continues to use or retain the HC Gift Card. Any such fees and charges may be varied subject to 33 Finance’s notice for a period of not less than 30 days.
  • Making payment with the HC Gift Card
      • 5.
      • A Personal Identification Number (“PIN”) is imprinted and covered by silver scratch panel at the back of the HC Gift Card. Cardholder must use this PIN to enter the 33 Finance Prepaid Card platform by calling Harbour City Gift Card Customer Service Hotline, login our mobile app, WeChat (Chinese version only) or website at www.33finance.com to change the PIN immediately. It is highly recommended to change the PIN from time to time for your card security.
      • 6.
      • At the time of payment, you must present the HC Gift Card and enter your 6-digit PIN.
      • 7.
      • Once the available balance in the HC Gift Card has dropped to zero, the Card is no longer valid. We suggest the cardholder cut the card into halves before disposal.
  • Available Balance Enquiry
      • 8.
      • No card statement will be issued, but cardholder can apply for detailed transaction record. Detailed Transaction Record Fee applies which will be charged on each month’s transaction record.
      • 9.
      • You can check your HC Gift Card’s available balance by calling Harbour City Gift Card Customer Service Hotline, login our mobile app, WeChat (Chinese version only) or website at www.33finance.com, no charges will be applied.
      • 10.
      • You can check your transaction history free-of-charge by calling Harbour City Gift Card Customer Service Hotline, login our mobile app, WeChat (Chinese version only) or visiting our website at www.33finance.com. You should notify us of any error, omission and / or any transaction not authorized by you within 45 days of the transaction date. If you do not notify us within the specified period, the transactions shown will be considered as correct. We highly recommend cardholders to check their own transaction records frequently.
  • Loss and Theft of HC Gift Card
      • 11.
      • HC Gift Card will not be replaced or have the remaining balance refunded if it is lost or stolen.
  • PIN and Card Replacement
      • 12.
      • The PIN will not be re-issued if it is forgotten. The cardholder needs to apply for a replacement card. Card Replacement Handling Fee applies.
      • 13.
      • Replacement of HC Gift Card will be issued free-of-charge in case of card malfunction which is not caused by you and the defective card is returned to us on or before the card expiry date for cancellation.
      • 14.
      • If the HC Gift Card is damaged due to misuse, a replacement card may be issued upon request provided that the HC Gift Card is returned to us on or before the card expiry date for cancellation. Card Replacement Handling Fee will be deducted from the HC Gift Card.
      • 15.
      • You will be asked to present your proof of identification for the issuance of a replacement card.
      • 16.
      • The replacement card, if issued, will be in the amount of the available balance of the replaced HC Gift Card in accordance with our record deducts all fees and charges.
      • 17.
      • We reserve the rights to decline the issuance of a replacement card.
  • Expiry
      • 18.
      • HC Gift Card is valid for 12 months from the date the card is purchased. The expiry date is embossed on the card face as VALID THRU “MONTH / YEAR”. Once the HC Gift Card is expired, an Expired Card Management Fee will be charged monthly. The Expired Card Management Fee will be deducted from the remaining balance of the HC Gift Card each month until the card becomes zero balance. Cardholder may apply for balance redemption after the expiration date of the HC Gift Card as stated in Clause 22.
      • 19.
      • We will not accept merchant refund to expired HC Gift Card, please ensure the refund is done before the Gift Card is expired.
  • Exclusion of Liability
      • 20.
      • We will not be responsible or liable for any refusal by any merchants in accepting the HC Gift Card for the payment of any goods or services purchased. Any dispute relating to any transactions shall be settled directly between you and the merchant. We will not be liable to you in respect of any losses or damages that you or any third party may suffer in connection with or arising from the HC Gift Card.
  • Termination / Redemption
      • 21.
      • We reserve the rights at any time to terminate the use of the HC Gift Card and / or any services offered or to reject any transaction without giving any prior notice or reason. We shall not be liable for any losses or damages of whatever nature which you may suffer whether directly or indirectly as a result of such termination or disapproval. Upon termination, the HC Gift Card is to be surrendered to us on demand.
      • 22.
      • You are encouraged to spend the remaining balance in your HC Gift Card before the card expiration date. However, you may terminate the Card services and apply balance redemption at any time before and after the expiration date of the HC Gift Card. You need to visit our office in person, complete a Card Cancellation Form with identification proof and return your HC Gift Card. Please note that a Card Redemption Fee will be deducted from the remaining balance prior to cheque issuance. For HC Gift Card with balance equal to or below the applicable redemption fee, no redemption will be processed. A cheque for the remaining balance will be sent to you within one month after the claim.
  • Personal Data
      • 23.
      • You agree that we can use your personal information in accordance with our policies and practices use and disclosure of personal data as set out in our current Privacy Policy Statement (the “Statement”) and you have read the Statement from our website www.33finance.com.
  • Amendments
      • 24.
      • We reserve the rights to amend these Terms and Conditions at any time with not less than 30 days’ notice. Our website will display the current Terms and Conditions.
      • 25.
      • Retention or use of the HC Gift Card after such amendments become effective shall constitute your acceptance of such amendments. All matters and disputes will be subject to our final decision.
  • Law and Jurisdiction
      • 26.
      • These Terms and Conditions shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region (“Hong Kong”) and the parties agree to submit to the exclusive jurisdiction of the courts of Hong Kong.
  • General
      • 27.
      • If any of these Terms and Conditions is or becomes illegal, invalid or unenforceable in any respect, the remaining Terms and Conditions shall not be affected thereby.
      • 28.
      • These Terms and Conditions are written in both English and Chinese. If there is any inconsistency or conflict between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

May 2019 (Version 1.1)

  • By accepting, purchasing, signing or using the Harbour City Gift Card (“HC Gift Card”), issued by 33 Financial Services Limited (“33 Finance”), you agree to be bound by these Terms and Conditions below.
    “You” and “your” refer to the person who has purchased and / or used the HC Gift Card. “We”, “us” and “our” refer to 33 Finance.
  • The HC Gift Card
      • 1.
      • HC Gift Card is a disposable and non-reloadable UnionPay Prepaid Gift Card with a pre-determined value of not exceeding HKD8,000. HC Gift Card is non-transferable once it is signed.
      • 2.
      • Each time you use HC Gift Card for any payment, the amount of each purchase with applicable fees and charges will be immediately deducted from the card.
      • 3.
      • The fees and charges listed in the Harbour City Gift Card Fees and Charges Table published on our website www.33finance.com are applicable to the HC Gift Card. You agree that we can directly debit the applicable fees and charges from your HC Gift Card. The most updated applicable fees and charges as stated in the Harbour City Gift Card Fees and Charges Table on our website www.33finance.com should be binding on the HC Gift Card cardholder if the cardholder continues to use or retain the HC Gift Card. Any such fees and charges may be varied subject to 33 Finance’s notice for a period of not less than 30 days.
  • The Use of the HC Gift Card
      • 4.
      • Before using the HC Gift Card, you should sign on the back of the card.
      • 5.
      • A Personal Identification Number (“PIN”) is imprinted and covered by silver scratch panel at the back of the HC Gift Card. Cardholder must use this PIN to enter the 33 Finance Prepaid Card platform by calling Harbour City Gift Card Customer Service Hotline, login our mobile app, WeChat (Chinese version only) or website at www.33finance.com to change the PIN immediately. It is highly recommended to change the PIN from time to time for your card security.
      • 6.
      • The HC Gift Card can be used in payment for goods and services at merchants displaying UnionPay logo or accepting UnionPay for payment, subject to the merchants’ final decision and judgement.
      • 7.
      • At the time of payment, you must present the HC Gift Card and enter the PIN. HC Gift Card does not support online payment in general.
      • 8.
      • Cash withdrawal from an ATM is not available on HC Gift Card.
      • 9.
      • Once the available balance in the HC Gift Card has dropped to zero, the Card is no longer valid. We suggest the cardholder cut the card into halves before disposal.
      • 10.
      • HC Gift Card does not support making guarantee of payment at merchants, e.g. Petrol Station, Cruises, Card Rental and Hotel.
  • Foreign Currency Transactions / Overseas Transactions
      • Foreign Currency Transactions are transactions effected in a currency other than the Card currency, including all local, overseas and online transactions.
        Overseas Transactions are transactions (including online transactions) incurred outside Hong Kong regardless of the transaction currency. Transaction location is subject to the actual country / territories where the merchant processes the transactions. For enquiries on the actual transaction processing location of the online transactions, please contact the respective merchant.
      • 11.
      • Foreign Currency Transactions will be converted into the Card Currency at a rate of exchange determined by reference to the exchange rate adopted by UnionPay International on the date of conversion. A transaction which is classified as a Foreign Currency Transaction and / or Overseas Transaction will be charged a handling fee. This is in addition to any transaction fees levied by UnionPay International and will be automatically deducted from the HC Gift Card.
  • Available Balance Enquiry
      • 12.
      • No card statement will be issued, but cardholder can apply for detailed transaction record. Detailed Transaction Record Fee applies which will be charged on each month’s transaction record.
      • 13.
      • You can check your HC Gift Card’s available balance by calling Harbour City Gift Card Customer Service Hotline, login our mobile app, WeChat (Chinese version only) or website at www.33finance.com, no charges will be applied. Alternatively, the HC Gift Card’s available balance can be checked at ATMs (with UnionPay logo) with a handling fee imposed for each enquiry and this charge will be deducted from the HC Gift Card.
      • 14.
      • You can check your transaction history free-of-charge by calling Harbour City Gift Card Customer Service Hotline, login our mobile app, WeChat (Chinese version only) or visiting our website at www.33finance.com. You should notify us of any error, omission and / or any transaction not authorized by you within 45 days of the transaction date. If you do not notify us within the specified period, the transactions shown will be considered as correct. We highly recommend cardholders to check their own transaction records frequently.
  • Loss and Theft of HC Gift Card
      • 15.
      • HC Gift Card will not be replaced or have the remaining balance refunded if it is lost, stolen or captured by an ATM.
  • PIN and Card Replacement
      • 16.
      • The PIN will not be re-issued if it is forgotten. The cardholder needs to apply for a replacement card. Card Replacement Handling Fee applies.
      • 17.
      • Replacement of HC Gift Card will be issued free-of-charge in case of card malfunction which is not caused by you and the defective card is returned to us on or before the card expiry date for cancellation.
      • 18.
      • If the HC Gift Card is damaged due to misuse, a replacement card may be issued upon request provided that the HC Gift Card is returned to us on or before the card expiry date for cancellation. Card Replacement Handling Fee will be deducted from the HC Gift Card.
      • 19.
      • You will be asked to present your proof of identification for the issuance of a replacement card.
      • 20.
      • The replacement card, if issued, will be in the amount of the available balance of the replaced HC Gift Card in accordance with our record deducts all fees and charges.
      • 21.
      • We reserve the rights to decline the issuance of a replacement card.
  • Expiry
      • 22.
      • HC Gift Card is valid for 12 months from the date the card is purchased. The expiry date is embossed on the card face as VALID THRU “MONTH / YEAR”. Once the HC Gift Card is expired, an Expired Card Management Fee will be charged monthly . The Expired Card Management Fee will be deducted from the remaining balance of the HC Gift Card each month until the card becomes zero balance.
      • 23.
      • We will not accept merchant refund to expired HC Gift Card, please ensure the refund is done before the Gift Card is expired.
  • Exclusion of Liability
      • 24.
      • We will not be responsible or liable for any refusal by any merchants in accepting the HC Gift Card for the payment of any goods or services purchased. Any dispute relating to any transactions shall be settled directly between you and the merchant. We will not be liable to you in respect of any losses or damages that you or any third party may suffer in connection with or arising from the HC Gift Card.
  • Termination / Redemption
      • 25.
      • We reserve the rights at any time to terminate the use of the HC Gift Card and / or any services offered or to reject any transaction without giving any prior notice or reason. We shall not be liable for any losses or damages of whatever nature which you may suffer whether directly or indirectly as a result of such termination or disapproval. Upon termination, the HC Gift Card is to be surrendered to us on demand.
      • 26.
      • You are encouraged to spend the remaining balance in your HC Gift Card before the card expiration date. However, you may terminate the Card services and apply balance redemption at any time. You need to visit our office in person, complete a Card Cancellation Form with identification proof and return your HC Gift Card. Please note that a Card Redemption Fee will be deducted from the remaining balance prior to cheque issuance. For HC Gift Card with balance equal to or below the applicable redemption fee, no redemption will be processed. A cheque for the remaining balance will be sent to you within two months after the claim.
  • Personal Data
      • 27.
      • You agree that we can use your personal information in accordance with our policies and practices use and disclosure of personal data as set out in our current Privacy Policy Statement (the “Statement”) and you have read the Statement from our website www.33finance.com.
  • Amendments
      • 28.
      • We reserve the rights to amend these Terms and Conditions at any time with not less than 30 days’ notice. Our website will display the current Terms and Conditions.
      • 29.
      • Retention or use of the HC Gift Card after such amendments become effective shall constitute your acceptance of such amendments. All matters and disputes will be subject to our final decision.
  • Law and Jurisdiction
      • 30.
      • These Terms and Conditions shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region (“Hong Kong”) and the parties agree to submit to the exclusive jurisdiction of the courts of Hong Kong.
  • General
      • 31.
      • If any of these Terms and Conditions is or becomes illegal, invalid or unenforceable in any respect, the remaining Terms and Conditions shall not be affected thereby.
      • 32.
      • These Terms and Conditions are written in both English and Chinese. If there is any inconsistency or conflict between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

July 2018 (Version 1.1)