Website Terms of Use

These terms of use, along with any documents referred to herein, tell you the terms on which you may make use of our website www.xtransfer.com (the "Website") as a guest or a registered user.

We recommend you read these terms of use carefully before using the Website. You are making use of the Website if you access, browse or register on it and therefore indicating that you have read and accepted these terms of use.

If you do not agree to these terms of use, please refrain from using our Website.

All of our services are also subject to additional terms and conditions which you may find on the Website:

• Our Privacy Policy sets out how we process, hold, disclose and use personal information we collect from you. By using our Website, you consent to such processing and you warrant that all the data provided by you is accurate;

• Our Cookie policy details how we use cookies.

In the event of a conflict between the terms and conditions of our other agreements and these terms of use, our agreements shall prevail.These terms of use may from time to time be revised. If there is any inconsistency between the English and Chinese versions, the English version shall prevail.

About us

Xtransfer Limited("XT HK") is a company incorporated in Hong Kong, China. XT HK is part of the wider XTransfer group, consisting of XT HK and other affiliated companies in different jurisdictions under the XTransfer brand ("XT Group"). We offer a cross-border B2B payment solution, specializing in payment collection, funds pay-out, and ancillary foreign exchange for businesses in international trade.

Accessing the website

We cannot guarantee that the Website, or any of the content on it, will always be available. We reserve the right to withdraw or amend the Website without notice.

We may also restrict access to some parts, or the entirety, of the Website . We will not be liable for the Website being unavailable at any time.

If you choose, or you are provided with, a login, password, or any other piece of information as part of our security procedures, you must treat such information as confidential. We reserve the right to disable any login or password, whether chosen by you or allocated by us, at any time, if we believe you have failed to comply with any of the provisions contained in these terms of use.

As the Website visitor, you are responsible for making all the necessary arrangements for accessing the Website. You are also responsible for ensuring that all persons who access the Website through your internet connection are aware of, and comply with, these terms of use and other applicable terms and conditions.

Our Liability

To the extent permitted by law, we exclude all conditions, warranties, representations and other terms, whether express or implied, which may apply to the Website, or any content on it. You therefore use the Website at your sole risk and XT HK will not be liable for any loss or damage direct, indirect or consequential whatsoever and howsoever arising as a result of your use of or reliance upon the information contained on the Website, to the maximum extent permitted by law.

We do not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating destructive properties will be transmitted or that no damage will occur to your computer. It is your sole responsibility to ensure you have adequate protection and back up of data and equipment, as well as undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third-party software that may be used in connection with the Website.

To the fullest extent permitted by Hong Kong Law we, our representatives, partners and related entities hereby exclude all conditions, warranties and other terms which otherwise might be implied by statute, common law, or equity.

Additionally, we will not be liable for any direct, indirect or consequential loss or damage incurred by you in connection with the website or in connection with the use, inability to use, or results of the use of the Website and any materials posted on it. This includes, but is not limited to:

loss of profits, sales, business, or revenue;

business interruption, loss of data;

loss of anticipated savings, profits or contracts;

loss of business opportunity, goodwill or reputation; or

any indirect or consequential loss or damage.

and any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable

Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any services to you, which will be set out in our Customer Agreement.

Viruses, hacking and other offences

You must not misuse the Website by knowingly introducing viruses, Trojans, worms, bots, logic bombs or any other malicious software

You must not attempt to gain unauthorised access to the Website, the server on which our Website is stored, or any server, computer or database connected to the Website.

You must not attack the Website via a denial of service attack or a distributed denial of service attack. If you breach this provision you will be committing an offence under the Computer Crimes Ordinance 1993 of Hong Kong. XT HK will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your personal information to them. In the event of such a breach, your right to use the Website will cease immediately.

We do not guarantee that the Website will be secure or free from bugs or viruses. It is your responsibility to ensure you have up to date and effective anti-virus and anti-malware software on your phone, tablet, computer, server, network infrastructure or any other device through which you transact with us. If you believe any device through which you transact with us has been infected by any malicious software, you must notify us immediately.

We will not be liable for any loss or damage caused by a distributed denial of service attack, viruses or any other malicious software that infect your computer equipment, computer programs, data or other proprietary material due to your use of the Website or to your downloading of any material posted on it, or on any website linked to it.

We shall not be liable for any loss or damage suffered by you as a result of using public network connections, failing to have an up to date and effective anti-virus and anti-malware software or failing to notify us that your device has been infected by any type of malicious software.

Third-party Links

Where our Website contains links to other websites and resources of third parties, these links are provided for your information only. We have no control over the contents of those websites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Intellectual Property rights

The XTransfer logo belongs to XT Group. Unless otherwise indicated on the Website, the Website and all content and other materials, including, without limitation, the XTransfer logo and all designs, texts, graphics, pictures, information, data, software, sound files, other files and the selection and arrangement thereof are the proprietary property of XT HK, or its licensors, suppliers or users, and are protected by applicable copyright laws. You may imprint, copy, download or temporarily store extracts from our Website for your personal information or when you use our products and services. You must not alter any material from our Website. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our Website on any other website or link any other website to our Website, without our prior written permission.


XT HK reserves the right to change any and all content contained in the Website at any time without notice. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by us.

It is your responsibility to check this Website from time to time as needed in order to take notice of any changes that are binding on you.

Applicable Law

These Terms and your use of the website will be governed by and construed in accordance with the laws of Hong Kong. We both agree to the exclusive jurisdiction of the Hong Kong courts.

Contact Information

If you have any concerns about the content of the Website, please contact us at info@xtransfer.com.


該等使用條款連同本文提述的任何文件,旨在告知您作為訪客或註冊用戶可使用我們的網站 www.xtransfer.com(「網站」)的條款。




• 我們的私隱政策載述我們處理、持有、披露及使用向您收集的個人資料的方式。如果您使用我們的網站,即表示您同意有關處理,而且您保證您提供的所有資料均屬準確。

• 我們的 Cookie 政策詳述我們使用 Cookies 的方式。



信匯寶有限公司 (Xtransfer Limited)(「XT HK」)為一家於中國香港註冊成立的公司。XT HK 為更廣泛的 XTransfer 集團的一部分,該集團由 XT HK 及 XTransfer 品牌下位於不同司法管轄區的其他聯屬公司組成(「XT 集團」)。我們提供跨境 B2B 支付解決方案,專門為國際貿易中的企業提供收款、資金支付及配套外匯服務。







於法律准許的範圍內,我們排除可能適用於網站或其上任何內容的所有條件、保證、陳述及其他條款,無論屬明示或暗示。因此,於法律准許的最大範圍內,您將自行承擔使用網站的風險,XT HK 概不就您因使用或倚賴網站上的資料而引致的任何直接、間接或相應損失或損害承擔責任。





• 利潤、銷售、業務或收入損失;

• 業務中斷、資料丟失;

• 預期儲蓄、利潤或合約損失;

• 商機、商譽或聲譽受損;或

• 任何間接或相應損失或損害。

• 以及任何類別的任何其他損失或損害,無論其如何產生、是否由侵權(包括疏忽)、違約或其他原因造成,即使有關情況屬可預見。





您不得透過拒絕服務攻擊,或分散式拒絕服務攻擊來攻擊網站。如果您違反該規定,您將觸犯香港 《1993年電腦刑事罪行條例》 (Computer Crimes Ordinance 1993)。XT HK 將向有關執法機構上報任何此類違法行為,且我們將與該等機構合作,向其披露您的個人資料。如有此類違法情況,您使用網站的權利將即告中止。







XTransfer 標誌屬 XT 集團所有。除非網站上另有說明,否則網站以及所有內容及其他材料,包括但不限於 XTransfer 標誌以及所有設計、文本、圖形、圖片、資料、數據、軟件、音效文件、其他文件以及相關選擇及安排均為 XT HK 或其許可人、供應商或用戶的專有財產,並受適用的版權法保護。您可為您的個人資料或於使用我們的產品及服務時,從我們的網站上印製、複製、下載或臨時儲存摘錄。您不得更改我們網站上的任何材料。除非你事先獲得我們的書面許可,否則禁止用作任何其他用途。尤其是,未經我們的事先書面許可,任何人士不得於任何其他網站上使用我們網站的一部分,或將任何其他網站連結至我們的網站。


XT HK 保留隨時變更網站所含的任何及所有內容的權利,恕不另行通知。以商品名稱、商標、製造商、供應商或其他方式提述任何產品、服務、流程或其他資料,並不構成或暗示我們對其的認可、贊助或推薦,或與之有任何關聯。





您對網站內容如有任何疑慮,請電郵至 info@xtransfer.com 聯繫我們。