立約人以網際網路方式透過與本行合作之電子支付機構之電子支付系統網站或手機應用程式APP(以下簡稱「合作服務平台」)向本行提出以立約人在本行開立之存款帳戶連結其 電子支付帳戶，以進行各項電子支付機構業務；立約人與本行約定，當立約人向本行提出扣款指示時，即連結立約人之存款帳戶進行轉帳，由電子支付機構收取支付款項，並於立約 人之電子支付帳戶記錄支付款項金額及移轉情形之服務。
台新國際商業銀行約定連結存款帳戶付款(帳號連結扣款)服務約定條款
公告日期：2024年1月，版次：202401版
立約人茲為個人電子支付服務使用之需求，同意利用網際網路方式向台新國際商業銀行（以下簡稱「本
行」）申請約定連結存款帳戶付款(帳號連結扣款)服務（以下簡稱「帳號連結扣款服務」）。當立約人點選
「同意」鍵後，即表示已經合理期間審閱，且瞭解並同意遵守下列約定條款：
第一條名詞定義
一、 存款帳戶：指立約人於本行開立之新臺幣活期存款帳戶及數位存款帳戶，且存款帳戶之名義人以立約人為限。
二、 電子支付機構：指依電子支付機構管理條例經主管機關許可，經營電子支付機構業務之公司。三、 電子支付機構業務：指電子支付機構管理條例規定之各項業務。
四、 電子支付帳戶：指立約人在與本行合作之電子支付機構註冊與開立記錄支付款項移轉及儲值情形，並利用電子設備以連線方式傳遞收付訊息之支付工具。
五、 帳號連結扣款服務：
立約人以網際網路方式透過與本行合作之電子支付機構之電子支付系統網站或手機應用程式APP(以下簡稱「合作服務平台」)向本行提出以立約人在本行開立之存款帳戶連結其電子支付帳戶，以進行各項電子支付機構業務；立約人與本行約定，當立約人向本行提出扣款指示時，即連結立約人之存款帳戶進行轉帳，由電子支付機構收取支付款項，並於立約人之電子支付帳戶記錄支付款項金額及移轉情形之服務。
第二條服務使用條件
一、 本行提供帳號連結扣款服務係採實名認證制，立約人須使用本名，並於與本行合作服務平台進行線上啟用。
二、 立約人啟用帳號連結扣款服務時，須先成功申請成為本行網路暨行動銀行交易會員或為Richart會員，並依
本行規定辦理相關身分驗證及啟用程序。
第三條交易金額限制
存款帳戶交易金額限制（單位：新臺幣/元）
單筆交易限額 | 每日累計交易限額 | 每月累計交易限額 |
5萬元 | 10萬元 | 20萬元 |
第四條交易方式
一、 帳號連結扣款服務係提供立約人於本行合作服務平台，作為進行各項電子支付機構業務交易之支付工具使用，包括但不限於付款、退款、儲值等交易。
二、 帳號連結扣款服務提供立約人約定連結之電子支付帳戶，限與本行存款帳戶之帳戶名義人須為同一人。三、 立約人同意進行帳號連結扣款服務時，本行得依立約人授權之電子支付機構向本行提出之交易扣款指示，
自立約人約定連結之存款帳戶，按指示扣款金額進行支付款項移轉作業，如存款帳戶內額度不足或達第三條約定存款帳戶之交易金額限制時，立約人同意本行得逕行取消該筆支付款項移轉請求。
第五條使用限制
一、 服務終止
帳號連結扣款服務限立約人本人使用，不得轉讓或授權他人使用；如提供他人使用、非法使用或冒用他人身分資料使用，立約人應負相關法律責任，且本行得逕行終止立約人使用帳號連結扣款服務。
二、 立約人同意電子支付機構業務或本行合作服務平台之使用範圍或相關事項等，悉依電子支付機構管理條例等相關規定辦理。
三、 約定條款修訂
本約定條款如有修改或增刪時，本行將以網站公告方式以代通知，立約人於七日內不為異議者，視同承認該修改或增刪約款。但下列事項如有變更，本行應於變更前六十日以書面通知立約人或於本行營業廳
處所或網站公告方式以代通知，並於該書面或公告內容以顯著明確文字載明其變更事項、新舊約款內 容，暨告知立約人得於變更事項生效前表示異議，及立約人未於該期間內異議者，視同承認該修改或增刪約款；並告知立約人如有異議，應於異議期間內通知本行終止本約定條款：
（一） 第三人冒用或盜用立約人使用者代號、密碼、憑證、私密金鑰，或其他任何未經合法授權之情形，本行或立約人通知他方之方式。
（二） 其他經主管機關規定之事項。
四、 紛爭處理：
1. 本行資訊暨申訴管道
(1) 24小時客服專線：(00)0000-0000。
(2) 申訴處理專線：(00)0000-0000及0000-000-000，申訴受理時間為週一至週五09:00-12:00及
13:30-17:30。
(3) 網址：xxx.xxxxxxxxxxx.xxx.xx。
(4) 電子信箱：xxx@xxxxxxxxxxx.xxx.xx。
(5) 地址：xxxxxxxxxxxx00x。
(0) xxxx：(00)0000-0000。
2. 立約人使用帳號連結扣款服務，如係涉及商品/服務之買賣、品質、使用、退換貨或款項等糾紛，立約人應逕向商店反映與處理，或依與電子支付機構之約定逕向電子支付機構反映與處理。
第六條、特別約定事項
一、 立約人透過本行合作服務平台約定以其在本行開立之存款帳戶連結其電子支付帳戶，以進行各項電子支付機構業務時，立約人如發現存款帳戶或電子支付帳戶有遭冒用、盜用或手機載具遺失之情形發生，應及時通知電子支付機構或本行，本行接獲電子支付機構或立約人通知後，須立即停止該存款帳戶連結電
子支付帳戶之狀態。經本行停止該存款帳戶連結電子支付帳戶狀態後，立約人如需重新啟用帳號連結扣款服務時，須致電本行24小時客服專線，由本行核對確認立約人身分後，始得重新完成該存款帳戶與其電子支付帳戶之綁定。
二、 立約人如以網際網路方式辦理帳號連結扣款服務之查詢、終止等事項，立約人同意本行應採一定方式核對立約人身分。
三、 立約人如有下列情事，本行得採一定方式核對立約人身分:
1. 申請變更基本資料。
2. 約定帳號連結扣款服務之交易情形出現異常。
3. 有事實顯示立約人所提供之基本資料不實或錯誤。
4. 本行認為應核對立約人身分之其他情形。
四、 立約人同意可透過本行各項自動化通路或合作服務平台查詢本服務。
第七條、未盡事宜
本約定條款未盡事宜，悉依「金融機構辦理電子銀行業務安全控管作業基準」、相關法令及本行「存款業務總約定書」之約定辦理。
第八條、準據法及管轄法院
本約定條款以中華民國法律為準據法，若因本約定條款衍生爭議而涉訟者，立約人同意以臺灣臺北地方法院為第一審管轄法院。但不得排除消費者保護法第四十七條或民事訴訟法第四百三十六條之九規定小額訴訟管轄法院之適用。
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台新銀行所有，未經授權請勿轉貼節錄
Terms of Use for Taishin International Bank Payment Linked Account (Account Link)
Date of Announcement: January 2023, Version: 202301
The applicant consents to applying for a payment linked account service (herein after "linked account debit service" or "the service") to Taishin International Bank (hereinafter "Taishin Bank") via the Internet in order to satisfy the applicant's need for using personal electronic payment services. When the applicant clicks on the "Agree" button, this will indicate that the applicant has had a reasonable amount of time to read and understand, as well as agrees to comply with the following terms and conditions:
Article 1 Terminology Definitions
I. Deposit account: Refers to the NTD-denoted demand deposit account and digital demand savings deposit that the applicant has with Taishin Bank, and the name of the deposit account holder also matches that of the applicant.
II. Electronic payment institution: Refers to companies that engage in electronic payment institution services as approved by the competent authority pursuant to the Act Governing Electronic Payment Institutions.
III. Electronic payment institution services: Refers to various services that are executed in line with the Act Governing Electronic Payment Institutions.
IV. Electronic payment account: Refers to payment tools in which when the applicant uses an electronic payment institution or electronic payment platform that cooperates with Taishin Bank as a medium, can accept registration from the applicant and prepares and records payment transfer and stored value top-up, as well as transmit payment/reception message via electronic devices using Internet connection.
V. Linked account debit service:
The applicant will submit payment instructions to Taishin Bank through an electronic payment system website or cell phone application from a partner electronic payment institution (hereinafter referred to as "partner service platform) via the Internet, and consents to link the applicant's deposit account at Taishin Bank with his or her electronic payment account in order to execute various electronic payment institution services. After the applicant opts to complete a transaction by the linked account debit service through his/her linked account, Taishin Bank will transfer the transaction amount from the applicant's designated linked deposit account to the electronic payment institution's dedicated deposit account at Taishin Bank.
Article 2 Terms of Use
I. Taishin Bank adopts a real name authentication system in providing the linked account debit service. The applicant is required to use his or her legal name as well as to initiate the service online using a partner service platform.
II. The applicant is required to successfully apply for Taishin's Internet banking and mobile banking
membership or to become a Richart member before he or she could initiate this service. The applicant
is also required to execute relevant ID verification and initiation process in line with Taishin Bank's rules and regulations.
Article 3 Amount Limit
Amount limit (Unit:NTD)
Single transation limit | Daily cumulative transaction limit | Monthly cumulative transaction limit |
NT$50,000 | NT$100,000 | NT$200,000 |
Article 4 Transaction Method
I. The linked account debit service refers to the provision of payment tool for the applicant on Taishin Bank's partner service platform for various electronic various electronic payment institution service transactions, including but not limited to payment, refund, stored value and other transactions.
II. The linked electronic payment account used in this service has to bear the same name as that of Taishin Bank's deposit account holder.
III. The applicant agrees that when engaging in the linked account debit service, Taishin Bank may deduct the instructed amount from the applicant's linked deposit account and engage in payment transfer process pursuant to the payment instruction submitted to Taishin Bank from the applicant's
authorized electronic payment institution. In case of insufficient balance in the entity debit account, or when the transaction limit stated in Article 3 regarding various types of account have been reached, the applicant agrees that Taishin Bank may directly cancel the payment transfer request.
Article 5 Access requirements
I. Termination of the Service
The service may only be used by the applicant, and may not be transferred or authorized to any third party. In case it is used by a third party, used illegally, or used under a fraudulent identity, the applicant shall bear all relevant legal liabilities, and Taishin Bank may directly terminate the applicant's use of the service.
II. The applicant agrees that the application boundaries or relevant matters related to the electronic
payment institution services or Taishin Bank's partner service platforms will be executed in accordance with the provisions of the Act Governing Electronic Payment Institutions and relevant laws and
regulations.
III. Amendments to these Terms and Conditions
If any changes are made to the terms of the Agreement, Taishin Bank shall make a public announcement on Taishin Bank's website in lieu of an individual announcement made to the applicant. The applicant shall be treated as having consented to the change(s) if no objection is raised within 7 days thereafter.
For the following changes, however, Taishin Bank shall notify the applicant in writing or through public announcements at Taishin Bank's place of business or over its website at least 60 days prior to taking effect. These notices and announcements must also present the detailed changes and compare the original to the revised terms in a clear, visible manner, while giving the applicant the option to object before taking effect, and that the applicant would be treated as having consented to the changes if no objection is raised within the period of notice. The applicant also needs to be informed that he or she
shall notify Taishin Bank to terminate the Agreement if the applicant chooses to object during the given
period:
1. Theft or misuse of user name, password, transaction media, private key, or any unauthorized conducts.
Method of notifying any third party from either Taishin Bank or the applicant.
2. Other matters stipulated by the competent authority.
IV. Dispute handling:
1. Inquiry and complaint channels:
(1) 24-hour customer service hotline: (00)0000-0000.
(2) Complaint handling hotline: (00)0000-0000 and 0000-000-000; business hours are Monday to Friday, 09:00 – 12:00 and 13:30 – 17:30.
(3) Website: xxx.xxxxxxxxxxx.xxx.xx.
(4) E-mail: xxx@xxxxxxxxxxx.xxx.xx.
(5) Address: No. 44, Section 0 Xxxxxxxxx Xxxxx Xxxx, Xxxxxxxxx Xxxxxxxx, Xxxxxx Xxxx.
(6) Fax number: (00)0000-0000.
2. When the applicant uses the service, when disputes such as the purchase or sale, quality, use, product return or exchange, or refund of product or service arises, the applicant shall respond and handle such issue with the seller directly, or to report and handle such issue to the electronic
payment institution in line with the applicant's agreement with the electronic payment institution.
Article 6. Special Terms and Conditions
I. The applicant agrees to link his or her entity account at Taishin Bank with his or her electronic
payment account through a partner service platform in order to engage in various electronic payment institution services. When the applicant realizes that his or her deposit account or electronic payment account has been misused, stolen, or lost his or her mobile device, the applicant shall notify the
electronic payment institution or Taishin Bank in a timely basis. When the Bank receives notification from the electronic payment institution or the applicant, the Bank shall immediately terminate the link between the applicant's deposit account and the electronic payment account. After Taishin Bank
terminates the link between the applicant's deposit account with the electronic payment account, the applicant may only resume the linked status between his or her bank account with the electronic
payment account by calling the Bank's 24-hour customer service hotline and the Bank confirms his or her identity.
II. When the applicant chooses to inquire or terminate the linked account debit service via the Internet, the applicant agrees that Xxxxxxx Bank shall adopt certain measures to confirm his or her identity.
III. Taishin Bank may adopt certain measures to verify the identity of the applicant when the applicant has any of the following matters:
1. Applies for an alteration of the applicant's basic data.
2. Abnormality occurs in the transaction status of the linked account debit service.
3. When there is evidence that the basic data provided by the applicant is either false or incorrect.
4. When other conditions arise and Taishin Bank believes it is necessary to verify the applicant's identity.
IV. The applicant agrees to make inquiries regarding the service via Taishin Bank's various automated channels or partner service platforms.
Article 7. Miscellaneous
Matters not covered by this Agreement will be executed in line with Taishin Bank's "Xxxxxxx Xxxxxxx Xxxxxxxxx", "The Act Governing Electronic Payment Institutions" ,”and other relevant laws and
regulations.
Article 8. Governing Laws and Jurisdiction
Interpretation of this Agreement shall be governed by the laws of the Republic of China. For any litigation involving disputes arising from this Agreement, the Taiwan Taipei District Court shall be the court of first
instance. However, this does not supersede Article 47 of the Consumer Protection Act or Article 436-9 of the Code of Civil Procedure, where litigations involving small sums may be subjected to different
jurisdictions.
Property of Taishin Bank. Unauthorized republication, in whole or in part, strictly prohibited.