Using UnionPay QR Code Payment Services safely

1. You should take precautions to ensure your UnionPay Card details and security details relating to your device, Internet Banking and BOCOM(HK) Mobile App are secure and safe, and to prevent loss, theft or fraudulent use of them;

2. Do not store anyone else's biometric credentials on the device, and only use your own biometric credentials to use UnionPay QR Code Payment Service, as otherwise, a person who is not authorised by you may be able to use UnionPay QR Code Payment Service on the device to conduct transactions.

3. Use UnionPay QR Code Payment Service and generate QR Codes only in accordance with the Terms and Conditions for UnionPay QR Code Payment Services;

4. Do not use UnionPay QR Code Payment Service on a device with any pirated, hacked, fake or unauthorised application or where the software lockdown has been overridden (such as a "jailbroken" or "rooted" device);

5. Do not allow any other person to use any QR Code generated at the request of you and safeguard such QR Code(s) from unauthorised scanning at all times;

6. Do not separately store or record any QR Code generated at the request of you outside the BOCOM(HK) Mobile App;

7. Keep a copy of all transaction receipts and check them against the monthly statement of the relevant UnionPay Card regularly;

8. Ensure that there are sufficient funds or credit limit on the UnionPay Card;

9. Notify the Bank of any loss, theft or unauthorised use of the device for using UnionPay QR Code Payment Service immediately;

10. Immediately notify the Bank of any suspected unauthorised transaction conducted through UnionPay QR Code Payment Service on the device or unauthorised scanning of a QR Code generated at the request of you;

11. Remove all UnionPay Cards bound to the BOCOM(HK) Mobile App if you have decided to stop using UnionPay QR Code Payment Service;

12. Log off from the BOCOM(HK) Mobile App promptly after conducting a transaction.

To borrow or not to borrow? Borrow only if you can repay!