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Tenpay Privacy Policy






Tenpay Privacy Policy




Date of the latest revision: April 28, 2022

Effective date: May 29, 2022



INTRODUCTION

This Tenpay Privacy Policy (hereinafter referred to as "Privacy Policy") applies to all payment products, services and their extended functions (hereinafter referred to as "Tenpay Services") provided by Tenpay Payment Technology Co., Ltd.("We" or “Tenpay”).If there is any specific privacy policy or provision tailored for certain products provided by us, such specific privacy policy or provision shall prevail; for the contents not covered by the specific privacy policy or provision, this Privacy Policy shall apply.This version of Tenpay Privacy Policy is the English translation of the Chinese version of Tenpay Privacy Policy, if there is any discrepancy between the English version and the Chinese version, the Chinese version shall prevail.

Contact information of Tenpay:

Registered Address: Room 201, Building A, No. 1 Qianwan 1st Road, Qianhai Shenzhen-Hong Kong Cooperation Zone, Shenzhen, Guangdong Province, PRC.

Office Address: Tencent Binhai Building, No.33 Haitian Second Road, Nanshan District, Shenzhen, Guangdong Province, PRC.

Customer Hotline: 95017, 0755-86013860.

Official Website: www.tenpay.com

We have always valued the personal information and privacy of our users (hereinafter referred to as "you") and will provide Tenpay Services to you in accordance with this Privacy Policy.When you use Tenpay Services, in order to fulfil our statutory obligations, or to provide services to you, or to constantly optimize the user experience in order to provide you with higher quality services, or ensure your account security, we may conduct necessary procession (including collect, store, use or provide) of your personal information.This Privacy Policy is designed to explain how we process your personal information and your rights in our personal information processing activities and how to exercise your rights.

This Privacy Policy will help you understand the following:

1.your rights

2.how we collect your personal information;

3.how we use cookies and other similar technologies;

4.how we store and protect your personal information;

5.how we use your personal information;

6.how we provide your personal information;

7.circumstances where personal information could be processed without your consent;

8.how we protect the rights and interests of minors;

9.how we update this privacy policy;

10.how to contact us.

1.YOUR RIGHTS

We cooperate with Shenzhen Tencent Computer System Co., Ltd. (the "Operator of Weixin and QQ Software", whose registered office is at 35/F., Tencent Building, Science and Technology Middle Road, Ma Ling Community, Yuehai Street, Nanshan District, Shenzhen) and link to the Weixin and QQ software operated by it to provide you with payment services such as Weixin Pay and QQ Wallet Payment, and to help users complete transactions through payment services such as the Digital Currency Electronic Payment and UnionPay QuickPass respectively provided by our cooperative institutions. We provide you with a wide range of payment products and corresponding Tenpay Services based on the Balance Payment, bank card Quick Pay and other payment methods of Weixin Pay and QQ Wallet Payment and payment methods provided by our cooperative institutions, you can use Tenpay Services at third party merchants (such as making payments for utilities expenses to public institutions and for goods or services to e-commerce merchants or offline merchants); you can manage your wealth (such as buying wealth management products from the financial institutions); or, you can transfer proceeds to others, send and receive proceeds through Red Packets or repay your credit card, etc.

During your use of Tenpay Services, to facilitate your exercise of your rights to consult, copy, correct, supplement and delete your personal information, we provide you with certain operational settings that you can refer to the following guidelines. You may also contact us through the contact information provided in Article 10 of this Policy to request the exercise of relevant rights:

(1) Consult or Copy Your Personal Information

(a) When using Weixin Pay, you can consult your personal information by entering "Me - Services" and then clicking the upper-right corner to enter "Payment Management – Real-Name Authentication". You can also enter "Me - Services - Wallet - Transactions" to consult your transaction records of deposit-withdrawal, top-up, refund, purchasing, transferring and red packets, etc. If you want to download the transaction records of Weixin Pay, you can also enter "Me - Services - Wallet - Transactions" and then clicking the upper-right corner to enter "Frequently Asked Questions" to access "Download the Bills" to download the transaction records.

(b) When using QQ Wallet, you can consult your personal information by entering "My QQ Wallet", then clicking the upper-right corner to enter "Settings – Real-name Authentication". You can also enter "My QQ Wallet - Balance - Transactions" to consult the records of your transactions such as deposit-withdrawal, top-up, refund, purchasing, transferring and red packets.

(c) For the security of your personal information, part of your name, ID number and bank account information will be displayed as "*".

(2) Correct or Supplement Your Personal Information

(a) When using Weixin Pay, you can modify information such as gender, ID’s validity period, occupation, address and mobile number information by entering "Me - Services", clicking the upper-right corner to enter "Payment Management - Real - Name Authentication", and you can click to apply for making correction or supplement if you find your information is inaccurate or incomplete.

(b) When using QQ Wallet, you can enter "My QQ Wallet", clicking the upper-right corner to enter "Settings - Real-name Authentication" and click to modify information such as gender, ID’s validity period, occupation, address and mobile number information, and you can click to apply for making correction or supplement if you find your identity information is inaccurate or incomplete.

(c) You can contact us through our online customer service or call customer service to apply for making correction or supplement if you find that your personal information collected and stored by us is inaccurate.

(3) Delete Your Personal Information

(a) When using Weixin Pay, you can enter "Me - Services - Wallet - Transactions" to delete your transaction records one by one on the front page.

(b) When using QQ Wallet, you can enter "My QQ Wallet - Balance - Transactions" to delete your transaction records one by one on the front page.

(c) After deletion of the relevant information either by yourself or with our assistance, where the storage time limit prescribed by laws and regulations has not expired or the deletion of personal information is difficult to be realized technically, we may not able to immediately remove the corresponding information from our systems, in which case we will stop processing your personal information except for storage and taking necessary security protection measures.

(4) Disable Certain Services and Functions

(a) Disable Quick Pay Service or deposit-withdrawal functions of bank cards. For the users of the quick pay of bank cards under Weixin Pay service, after entering Weixin, you can click "Me - Services - Wallet - Cards" → select the bank card that you intend to unlink → click the upper-right corner →click "Unlink" → enter payment password → successfully unlink bank card. For the users of the quick pay of bank cards under QQ Wallet pay service, you can click "My QQ Wallet - Balance - My Cards" → click the bank card that you intend to unlink → click the upper-right corner → click "Unlink" → click "Still Unlink" → enter payment password → successfully unlink bank card. After you have unlinked the bank card, you are no longer able to use the unlinked bank card for quick pay or use the unlinked card for withdrawal.

(b) Disable credit card repayment function. For the users of credit card repayment function under Weixin Pay service, after entering Weixin, you can click "Me – Services - Card Repay" → click the credit card for which you intend to close the repayment function → click the management icon on the right side of the credit card at the top of the page → click the "Delete Card" displayed at the bottom of the pop-up page, you will deactivate credit card repayment function upon confirmation. For the users of credit card repayment function under QQ Wallet, after entering into QQ Wallet you can click " Card Repay" → click the credit card for which you intend to close the repayment function → click "Delete this Credit Card", then you will close credit card repayment function. After you have disabled the repayment function for a credit card, you will no longer be able to use credit card repayment function to repay the deleted credit card.

(c) Disable personalized service. It you do not want us to provide any personalized service as stipulated in Clause 5, Article 5 of this Privacy Policy, you may close it by our proposed method. After disabling the service, you may still receive marketing event information, commercial electronic messages or advertisement but with less relevancy.

(5) Cancellation of Tenpay Payment Account

(a) Cancellation of Weixin Pay account. After entering Weixin, you can enter " Me - Services" → click the upper-right corner to enter "Payment Management" → click "Weixin Pay Cancellation", and if your account meets the cancellation conditions as prompted on the page, you can continue to cancel your Weixin Pay account.

(b) Cancellation of QQ Wallet Payment account. You can enter "My QQ Wallet", clicking the upper-right corner to enter "Settings – Customer Service Center - Cancel Account", and if your account meets the cancellation conditions as prompted on the page, you can continue to cancel your QQ Wallet Payment account.

(c) After account cancellation, all the information in your relevant account will be cleared, and we will not process personal information related to such account but the information previously collected will be stored for the period to satisfy the regulatory requirements, during which the competent authorities still have the right to inspect such information.

(6) If the product page or access path related to the above guideline is changed, please follow the instructions on the updated product page.If you are not able to consult, copy, correct, supplement, transfer, delete or close your personal information or you need us to explain the personal information processing rules, you may contact us through the contact method provided in Article 10 of this Privacy Policy or our online customer service, and we will respond to your requests in a timely manner.

(7) For the sake of the security of your account and personal information, we may need to authenticate your identity first before we start to process your request when you ask for reviewing, copying, correction, supplement, deletion or transition, and you will need to provide us with information such as your name, ID number, contact information and details of your requests.

2.HOW WE COLLECT YOUR PERSONAL INFORMATION

When you use Tenpay Services, based on different circumstances, we will collect your personal information that is provided voluntarily by you or generated from your use of Tenpay Services when you use or in order for you to use the services for the purposes of implementing statutory obligations, providing services to you and ensuring the security of your account.

(1) Where information needs to be collected for the purpose of performing real name management and anti-money laundering obligations under laws and regulations;

(a) In accordance with the PRC laws and regulations and regulatory requirements on payment services, w. hen you register a Tenpay account (including Weixin Pay account and QQ Wallet payment account) or use the Tenpay services, you need to voluntarily provide your basic identity information (including but not limited to your name, nationality, gender, occupation, address, contact information and the type, number and validity period of your identification), otherwise you will not be able to register a Tenpay account for payment or use Tenpay Services. If you need to pass multi-factor identity authentication, you should also provide the information of your linked bank card and the cellphone number recorded by the bank that issued your bank card, otherwise you will not be able to use the Tenpay Services that require multi-factor identity authentication.

(b) According to the PRC laws and regulations and regulatory requirements relating to anti-money laundering, when you register a Tenpay account or use Tenpay Services, you need to voluntarily provide your basic identity information (including name, nationality, gender, occupation, address or office address, contact information and the type, number, and validity period of your valid ID). In the cases of specific circumstances stipulated by laws, regulations or regulatory requirements, you also need to provide a colored photo or photocopy of your valid ID for our verification and records. In accordance with PRC laws, regulations or regulatory requirements, you may also need to provide other supporting identification materials or provide your identity information again. If you fail or refuse to provide such necessary information that make us fail to fulfill the anti-money laundering obligations, we may take restrictive measures or refuse to provide you with the Tenpay Services.

To verify the accuracy and completeness of the information you submit, we will verify such information with the external verification channels (including government department database, commercial bank information system and commercial database) where your information is legally stored.

(2) Circumstances in which personal information needs to be collected for your use of our payment service

In order to provide you with payment services and to perform our obligations under the laws and regulations, we need to collect your personal information directly or through Weixin and QQ software as follows:

(a) In order for you to use the Balance Payment Service based on your payment account (including Weixin Pay balance and QQ wallet balance), and to realize the account balance top-up and withdrawal, consumption, transfer, red packet functions and other extended functions based on the payment account, we will record the balance information and transaction information in your payment account. If you do not agree with our recording of the above information, you will not be able to use the Balance Payment Service.

(b) In order for you to use the bank card Quick Pay Service, and to realize the payment account top-up and withdrawal and consumption, transfer, red packet functions and other extended functions based on the use of bank card, your bank card need to be linked to your payment account, and you need to provide information such as your name, bank card number, ID number.and the cellphone number recorded by the bank. We will conduct verification of such information with the issuing banks through our cooperative clearing institutions. If you do not provide the above information, you will not be able to use the bank card Quick Pay Service, but your use of other services provided by us will not be affected.

(c) In order for you to use the Transfer Service, you need to provide the payee’s mobile number, QQ account number, partial information of the name and transfer amount or choose a payee and provide partial information of the name as prompted on the product page. If you choose to transfer money to another person’s bank card, you need to provide the payee’s name, bank card number and the card issuing bank’s information. If you do not provide the above information, you will not be able to use the Transfer Service, but your use of other functions provided by us will not be affected. You may also fill in the transfer instructions, but without such information your use of Transfer Service will not be affected. When you use the Intra-Group Transfer Service in a group chat scenario, due to the particularity of the service scenario and the need to maintain the consistency of the service experience for users, the amount, the payee, the transfer status, the transfer time, and the receipt time of the transfer will be visible to the group members, if you do not want the group members to know the above information, you can use the Transfer Service in a single chat scenario.

(d) In order for you to use the Red Packet Service, you need to follow the instructions as prompted on the product page, select the recipient of the Red Packet and enter the amount of the Red Packet as instructed, and when sending the Red Packet in a group, you also need to enter the number of Red Packets. If you do not provide the above information, you will not be able to use the Red Packet Service, but it will not affect your use of other functions provided by us. You can also write wishes of the red packet, but without such information your use of the Red Packet Service will not be affected. When you use the Exclusive Red Packet Service in a group chat scenario, due to the particularity of the service scenario and the need to maintain the consistency of the service experience for users, the amount, the payee, the receipt status, and the receipt time of the Exclusive Red Packet will be visible to the group members, if you do not want the group members to know the above information, you can use the Red Packet Service in a single chat scenario.

(e) In order for you to use the Split Bill Service, when you launch a payment request through Split Bill function, you need to follow the instructions as prompted on the product page, select the recipient or group chat and input the total amount and number of people. If you do not provide the above information, you may not be able to initiate group payment, but it will not affect your use of other services provided by us.

(f) When you use the Credit Card Repayment Service, you need to provide the number and the holder’s name of the credit card and the repayment amount. If you do not provide the above information, you will not be able to use the Credit Card Repayment Service, but your use of other functions provided by us will not be affected.

(g) When you use theUtilities Expense Payment Service (including electricity, water, gas, fixed line, broadband, cable TV, fuel card top-up, ETC application, heating, etc.), depending on the specific service that you use, you may need to provide information such as your phone number, name, ID number and necessary expense payment information(such as payer, subscriber number, fixed number, broadband number, fuel card number, vehicle registration number, engine number or frame number). If you do not provide the above information, you will not be able to complete the corresponding utilities expense payment, but your use of other functions provided by us will not be affected. In addition, in order to determine the specific type of utilities expense in your area, we may apply for your authorization for and you may follow the instructions as prompted on the page and click agree to turn it on. If you do not agree to grant such authorization, you may manually choose your city, which will not affect your subsequent use of the Utilities Expense Payment Service provided by us.

(h) To perform the relevant obligations in accordance with the laws and regulations and to provide you with Payment and Transaction Inquiry Services, we need to record and manage your transaction information. We need to collect and record relevant transaction information directly or collect through our cooperative partners, including transaction number / transfer number, identification of both parties (such as the names, nicknames, remark names, avatars of the payer and the payee, and the name of the merchant), account number (such as payment and receipt account number, bank card number or name of issuing institution, etc.), transaction amount, transaction time, product information, payment method, delivery information, etc. If you do not agree that we record the transaction information, the transaction cannot be completed.

(i) Where you use other services or functions involve the collection of your personal information, we will explain the scope and purpose of the information collection to you through separate agreements, prompts and other means and obtain your consent, except where the consent of the individual concerned is not required according to laws and regulations. We will process and protect your information in accordance with this Privacy Policy or the corresponding service agreement. If you do not agree, you will not be able to use such service, but your use of other Tenpay Services will not be affected.

(3) Information needs to be collected for the security of your account, funds, payment and the prevention of risk

(a) In order to protect the security of your account and funds, we need to verify the transactions in the scenarios where you use the Tenpay Services to initiate such transactions. The verification methods of the transactions may include static passwords, one-time passwords, digital certificates, biometric information, etc. Depending on the transaction scenarios and security risks, we may collect authentication information such as payment password, ID number (for opening digital certificate), SMS dynamic code to verify your identity when you initiate a transaction. We may also collect biometric information (e.g. face information, palm information) when you activate and use biometric-related payment services (e.g. face payment, palm payment) in specific scenarios. You can learn the specific rules through the corresponding service agreements. If you do not activate the biometric-related payment functions, you will not be able to use the biometric-related payment services, but it will not affect your use of other payment service functions.

(b) In order for you to use the payment service safely, if your cell phone and client end software version support fingerprint recognition function, you can choose to activate the fingerprint payment function provided by us. You need to input your fingerprint information on your cell phone. Your fingerprint information is only stored on your mobile to which we will not have access. When you use fingerprint verification, the extraction and verification of your fingerprint feature information will be completed on your device end, and we will only obtain and collect the verification results from the device terminal. If you do not activate the fingerprint function, you will not be able to use the fingerprint payment, but it will not affect your use of the function that can complete the authentication by entering your password or other means.

(c) In order for you to use the payment service safely, if your mobile and client end software support face verification function, you can choose to activate the Face Pay function provided by us. You will need to input your facial information on your device and your facial information is only stored on your mobile to which we will not have access. When you use face verification, the extraction and verification of your face features will be completed on your device end, and we will only obtain and collect the verification results from the device terminal. If you do not activate the face verification function, you will not be able to use the face payment function, but it will not affect your use of the function that can complete the authentication by entering your password or other means.

(d) In order to protect the security of your account and funds, we may verify your identity in the scenarios where you need to retrieve your password, request for freezing or unfreezing your account, request for the removal of transaction restrictions, request for an electronic receipt, or do other operations. You need to provide us with some information that can verify your identity or transaction, such as a photocopy of your ID card, a photo of your hand-held ID card, your contact information, proof of the transaction, proof of your legal rights to the payment account and funds in the account, etc. (details are subject to the instruction as prompted on the page or the customer service requirements). If you do not agree to provide such information, you will not be able to complete relevant operations but it will not affect your completion of other operations or your use of other services we provide.

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