CINXE.COM
用户安全保障规则 (20220829版)
<!doctype html><html><head><meta charset="utf-8"/><meta name="viewport" content="width=device-width,user-scalable=no,initial-scale=1,maximum-scale=1,minimum-scale=1"/><title>用户安全保障规则 (20220829版)</title><script src="https://cdn-go.cn/aegis/aegis-sdk/latest/aegis.min.js?_bid=3977"></script><link rel="stylesheet" href="https://res.wx.qq.com/open/libs/weui/2.0.1/weui.min.css"><script src="https://res.wx.qq.com/t/wx_fed/cdn_libs/res/weui/1.2.3/weui.min.js"></script><style type="text/css">blockquote,body,button,dd,dl,dt,fieldset,h1,h2,h3,h4,h5,h6,img,input,legend,li,ol,p,select,td,textarea,th,ul{margin:0;padding:0}body{min-width:1184px;color:#333;background:#fafbfc}body,input,textarea{font:14px/1.6 Helvetica Neue,Helvetica,PingFang SC,Hiragino Sans GB,Microsoft YaHei,微软雅黑,Arial,sans-serif}textarea{resize:none;overflow-y:auto;font-size:100%}h1,h2,h3,h4,h5,h6{font-size:100%;font-weight:400}li,ol,ul{list-style:none}fieldset,img{border:none}em,i{font-style:normal}img{vertical-align:top}table{width:100%;border-collapse:collapse;border-spacing:0;word-break:break-all;word-wrap:break-word}.button-group:after,.clr:after,.form-group:after,.form-item:after,.wrap:after{content:".";clear:both;display:block;height:0;visibility:hidden}.button-group,.clr,.form-group,.form-item,.wrap{zoom:1}.container-bd{padding:75px}a{position:relative;text-decoration:none;outline:none;cursor:pointer;padding:0;color:#576b95}@media screen and (max-width:991px){body{min-width:100px;background:#fff}.wrap{width:auto!important;margin:0;border:none;overflow:hidden}.footer,.header,.pagination-wrp .goto-area{display:none}.container{width:auto;border:none!important}.container-wrp{padding:0!important}.container-bd{padding:25px 20px!important}.container-bd h2{padding-bottom:20px!important}.container-bd img{max-width:100%}.pagination{margin-bottom:20px;text-align:center}}.container{width:1184px;margin:0 auto;border:1px solid #e7eaf0;background:#fff}.container-wrp{padding:40px 0;background:#fafbfc}.container-hd{position:relative}.container-hd .download{position:absolute;right:20px;top:20px;color:#4466ad;font-size:14px}.container-bd{padding:75px 75px 0;min-height:600px}.container-bd .main-content{white-space:pre-wrap;word-break:break-word;overflow-wrap:break-word;line-height:normal;user-select:text;text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased}.container-bd .main-content p{min-height:18px}.container-ft{padding:0 75px 75px}h1{font-size:24px!important}.date{font-size:14px!important;color:#303133;text-align:right}.post-list-link{margin:20px 0 0;color:#4466ad;font-size:14px}.title{text-align:center;font-size:2em;margin-bottom:15px;font-weight:500}.image-wrap img{max-width:100%}.container-btn{position:fixed;width:200px;height:40px;line-height:40px;font-size:16px;background-color:#11cd75;color:#fff;bottom:20px;left:50%;margin-left:-100px;z-index:10;text-align:center;font-weight:500;border-radius:4px}@media screen and (max-width:991px){body{min-width:100px;background:#fff}.wrap{width:auto!important;margin:0;border:none;overflow:hidden}.footer,.header,.pagination-wrp .goto-area{display:none}.container-hd{position:relative;height:20px}.container-hd .download{position:absolute;right:20px;top:20px;color:#4466ad;font-size:14px}.container{width:auto;border:none!important}.container-wrp{padding:0!important}.container-bd{padding:25px 20px!important}.container-bd h2{padding-bottom:20px!important}.container-bd img{max-width:100%}.container-ft{padding:0 20px 70px}.pagination{margin-bottom:20px;text-align:center}}</style></head><body><div class="container-wrp"><div class="container"><div class="container-hd"> <a href="javascript:void(0);" class="download link-text" data-file="https://6366-cft-new-8gyrr3es11e9c257-1258344698.tcb.qcloud.la/cloudbase-cms/upload/2022-08-29/9oxxneclzfh3y4y8vd5figkg22vgrmpd/用户安全保障规则.pdf" id="downloadPDF">协议下载 </a></div><div class="container-bd" id="main-content"><h1 class="title" id="title">用户安全保障规则 (20220829版)</h1><div class="main-content"><p style="text-align:center;" class="MsoNormal" align="center"></p><p class="MsoNormal"><strong><span style="color:#4d4d4d"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">重要提示:</span></span></span></span></strong></p><p style="text-align:justify;text-indent:2em;"><strong><span style="color:#4d4d4d"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">财付通支付科技有限公司(以下简称“财付通”或“我们”)依据本规则为使用我们服务的用户(以下简称“用户”或“您”)提供安全保障计划。财付通在此特别提醒您认真阅读并充分理解本规则的全部条款,特别是免除或限制财付通的责任和限制您的权利的相关条款。如您不同意接受本规则的任何内容,或者无法准确理解相关条款的含义,你有权拒绝使用我们的服务。如您对本规则有任何疑问,请向客服咨询。</span></span></span></span></strong></p><p class="MsoNormal"><strong><span style="color:#000000"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">一、概述</span></span></span></span></strong></p><p class="MsoNormal"><span style="color:#000000"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">为保障用户的资金交易安全,财付通与中国人民财产保险股份有限公司合作,由中国人民财产保险股份有限公司为财付通用户提供资金安全保障,在符合条件的情况下,用户可以按照保障规则的约定及时挽回损失。</span></span></span></span></p><p class="MsoNormal"><strong><span style="color:#000000"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">二、安全保障的具体内容</span></span></span></span></strong></p><p class="MsoNormal"><strong><span style="color:#000000"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">1、保障计划的适用范围:如用户的微信支付/QQ钱包账户或银行账户被他人盗用,并通过微信支付/QQ钱包服务产生资金损失的,用户可根据本保障规则向财付通提出安全保障申请,以及时挽回损失。</span></span></span></span></strong></p><p class="MsoNormal"><strong><span style="color:#000000"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">2、以下任一情况不在本保障计划的保障范围内:</span></span></span></span></strong></p><p class="MsoNormal"><span style="font-size:16px"><span style="line-height:2"><strong><span style="color:#000000"><span style="background-color:#ffffff">(1)</span></span></strong> <strong><span style="color:#000000"><span style="background-color:#ffffff">用户主动将资金转入他人支付账户、银行卡或消费到商户(如转账、红包、商业支付及被他人实施诈骗等违法犯罪行为后的主动转账或支付行为等);</span></span></strong></span></span></p><p class="MsoNormal"><span style="font-size:16px"><span style="line-height:2"><strong><span style="color:#000000"><span style="background-color:#ffffff">(2)</span></span></strong> <strong><span style="color:#000000"><span style="background-color:#ffffff">经财付通调查或合理判断,资金损失系由用户本人操作或与他人协同所为或是用户的家庭成员、同事、同住人、朋友、雇员等非陌生人操作造成的;</span></span></strong></span></span></p><p class="MsoNormal"><span style="font-size:16px"><span style="line-height:2"><strong><span style="color:#000000"><span style="background-color:#ffffff">(3)</span></span></strong> <strong><span style="color:#000000"><span style="background-color:#ffffff">资金损失因用户的违法犯罪行为或未遵守《微信支付用户服务协议》/《QQ钱包支付用户服务协议》或者财付通公布的其他规则造成的,如用户主动泄露信息,因用户的故意或过失造成信息泄露,未妥善保管个人信息、资料和硬件设备等行为;</span></span></strong></span></span></p><p class="MsoNormal"><span style="font-size:16px"><span style="line-height:2"><strong><span style="color:#000000"><span style="background-color:#ffffff">(4)</span></span></strong> <strong><span style="color:#000000"><span style="background-color:#ffffff">资金损失因用户未按要求安装或使用相关数字证书或未采取财付通要求的其他安全验证措施造成的;</span></span></strong></span></span></p><p class="MsoNormal"><span style="font-size:16px"><span style="line-height:2"><strong><span style="color:#000000"><span style="background-color:#ffffff">(5)</span></span></strong> <strong><span style="color:#000000"><span style="background-color:#ffffff">资金损失因用户在其他机构的信息被更改造成的,如绑定了快捷支付的银行卡预留手机信息被更改等;</span></span></strong></span></span></p><p class="MsoNormal"><span style="font-size:16px"><span style="line-height:2"><strong><span style="color:#000000"><span style="background-color:#ffffff">(6)</span></span></strong> <strong><span style="color:#000000"><span style="background-color:#ffffff">用户未向财付通如实披露事实,对财付通的判断造成严重影响的;</span></span></strong></span></span></p><p class="MsoNormal"><span style="font-size:16px"><span style="line-height:2"><strong><span style="color:#000000"><span style="background-color:#ffffff">(7)</span></span></strong> <strong><span style="color:#000000"><span style="background-color:#ffffff">用户已通过其他途径挽回资金损失,如已在其他机构获得补偿或赔付等;</span></span></strong></span></span></p><p class="MsoNormal"><span style="font-size:16px"><span style="line-height:2"><strong><span style="color:#000000"><span style="background-color:#ffffff">(8)</span></span></strong> <strong><span style="color:#000000"><span style="background-color:#ffffff">用户有义务在资金损失发生日起180天内及时向财付通提出申请,如非因不可抗力情况,用户超过180天未提出申请的,财付通有权不赔付;</span></span></strong></span></span></p><p class="MsoNormal"><strong><span style="color:#000000"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">(9) 法律法规规定由第三方向用户补偿或赔付资金损失的。</span></span></span></span></strong></p><p class="MsoNormal"><strong><span style="color:#000000"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">3、安全保障金额与上限:本保障计划无需用户支付任何费用,对符合本保障规则要求的用户资金损失,中国人民财产保险股份有限公司将按照用户的实际损失(不包括精神损害赔偿或间接损失)提供等额赔付,每自然年内赔付累计赔付金额最高不超过人民币100万。</span></span></span></span></strong></p><p class="MsoNormal"><strong><span style="color:#000000"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">4、风控措施:您理解并同意,如您在使用财付通服务的过程中产生了资金损失,则表明您当前的账户存在风险。为了保障您的资金安全,财付通可能会暂停向您提供全部或部分服务,例如:限制您使用余额支付、银行卡快捷支付等功能。</span></span></span></span></strong></p><p class="MsoNormal"><strong><span style="color:#000000"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">三、申请方式及流程</span></span></span></span></strong></p><p class="MsoNormal"><span style="color:#000000"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">您同意委托我们向保险公司申请理赔,并向保险公司提供理赔所需材料。</span></span></span></span></p><p class="MsoNormal"><span style="color:#000000"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">1、联系客服:拨打客服电话95017提出申请;</span></span></span></span></p><p class="MsoNormal"><span style="color:#000000"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">2、在线申请:根据相关页面提示提交申请资料和信息;</span></span></span></span></p><p class="MsoNormal"><span style="color:#000000"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">3、在您提交申请后的1-2个工作日内,您将会收到您是否满足保障条件及是否需要补充提供相关证明文件或资料的通知。</span></span></span></span></p><p class="MsoNormal"><strong><span style="color:#000000"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">四、其他事项</span></span></span></span></strong></p><p style="text-align:justify;"><span style="color:#000000"><span style="background-color:#ffffff"><span style="font-size:16px"><span style="line-height:2">因法律法规或监管要求,或财付通自身经营需要,财付通有权对上述保障规则进行调整并按照法律法规及监管的相关规定及时告知用户。若用户无法同意最新的保障规则内容,用户有权停止使用本服务。为保障资金交易安全,用户仍需遵守《微信支付用户服务协议》/《QQ钱包支付用户服务协议》的约定,妥善保管用户个人信息、资料和硬件设备等,做好资金交易安全保护措施。</span></span></span></span></p><p class="MsoNormal"><span style="font-size:16px"><span style="line-height:2"> </span></span></p></div></div><div class="container-ft"></div></div></div><script>var aegis = new Aegis({ id: 'WeMEdqJENpakvwFKhH', // 项目ID,即上报key uin: '', // 用户唯一 ID(可选) reportApiSpeed: true, // 接口测速 reportAssetSpeed: true // 静态资源测速 }); aegis.infoAll({ msg: 'pageInit_detail_protocal' })</script><script>!function(e){var t={};function n(r){if(t[r])return t[r].exports;var o=t[r]={i:r,l:!1,exports:{}};return e[r].call(o.exports,o,o.exports,n),o.l=!0,o.exports}n.m=e,n.c=t,n.d=function(e,t,r){n.o(e,t)||Object.defineProperty(e,t,{enumerable:!0,get:r})},n.r=function(e){"undefined"!=typeof Symbol&&Symbol.toStringTag&&Object.defineProperty(e,Symbol.toStringTag,{value:"Module"}),Object.defineProperty(e,"__esModule",{value:!0})},n.t=function(e,t){if(1&t&&(e=n(e)),8&t)return e;if(4&t&&"object"==typeof e&&e&&e.__esModule)return e;var r=Object.create(null);if(n.r(r),Object.defineProperty(r,"default",{enumerable:!0,value:e}),2&t&&"string"!=typeof e)for(var o in e)n.d(r,o,function(t){return e[t]}.bind(null,o));return r},n.n=function(e){var t=e&&e.__esModule?function(){return e.default}:function(){return e};return n.d(t,"a",t),t},n.o=function(e,t){return Object.prototype.hasOwnProperty.call(e,t)},n.p="",n(n.s=442)}({106:function(e,t,n){},195:function(e,t,n){},442:function(e,t,n){"use strict";n.r(t);n(106),n(195);var r=navigator.userAgent,o={},a={},i=r.match(/(Android);?[\s/]+([\d.]+)?/),c=!!r.match(/\(Macintosh; Intel /),d=r.match(/(iPad).*OS\s([\d_]+)/),l=r.match(/(iPod)(.*OS\s([\d_]+))?/),u=!d&&r.match(/(iPhone\sOS)\s([\d_]+)/),s=r.match(/(webOS|hpwOS)[\s/]([\d.]+)/),h=r.match(/(BlackBerry).*Version\/([\d.]+)/),m=r.match(/(BB10).*Version\/([\d.]+)/),f=r.match(/PlayBook/),p=r.match(/Chrome\/([\d.]+)/)||r.match(/CriOS\/([\d.]+)/),b=r.match(/Firefox\/([\d.]+)/),v=r.match(/MSIE\s([\d.]+)/)||r.match(/Trident\/[\d](?=[^?]+).*rv:([0-9.].)/),w=!p&&r.match(/(iPhone|iPod|iPad).*AppleWebKit(?!.*Safari)/)||r.match(/Version\/([\d.]+)([^S](Safari)|[^M]*(Mobile)[^S]*(Safari))/);if(i&&(o.android=!0,o.version=i[2]),u&&!l){o.ios=!0,o.iphone=!0;var y=u[2].replace(/_/g,".").split(".");y&&y[0]&&(o.version=y[0])}v&&(a.ie=!0,a.version=v[1]),w&&(c||o.ios)&&(a.safari=!0,c&&(a.version=w[1])),o.tablet=!!(d||f||i&&!r.match(/Mobile/)||b&&r.match(/Tablet/)||v&&!r.match(/Phone/)&&r.match(/Touch/)),o.phone=!(o.tablet||o.ipod||!(i||u||s||h||m||p&&r.match(/Android/)||p&&r.match(/CriOS\/([\d.]+)/)||b&&r.match(/Mobile/)||v&&r.match(/Touch/)));var S=document.querySelector("#downloadPDF");function g(e,t){try{var n=document.createElement("a");n.download=t,n.href=e,n.target="_blank",document.body.appendChild(n),n.click(),document.body.removeChild(n)}catch(e){throw new Error(e)}}function O(e,t){var n=new XMLHttpRequest;n.open("GET",e,!0),n.responseType="blob",n.onload=function(){var e=n.response,r=new Blob([e]);if(window.navigator.msSaveBlob)window.navigator.msSaveBlob(r,t);else{var o=document.createElement("a");o.download=t,o.style.display="none",o.href=URL.createObjectURL(r),document.body.appendChild(o),o.click(),document.body.removeChild(o)}},n.send()}S&&S.addEventListener("click",(function(){var e=function(e){var t={};if(e.dataset)return e.dataset;for(var n=0;n<e.attributes.length;n++){var r=e.attributes[n].nodeName;if(/^data-\w+$/.test(r)){var o=e.attributes[n].nodeValue;t[r.match(/^data-(\w+)/)[1]]=o}}return t}(S).file||"",t="",n=e.split("/");if(n.length&&(t=n[n.length-1]),!e)throw new Error("缺少文件链接");window.navigator.userAgent.toLowerCase().match(/MicroMessenger/i)||window.navigator.userAgent.toLowerCase().match(/QQ\/[0-9]/i)?weui.alert("请点击右上角[...]图标,选择在默认浏览器中打开,下载协议",{title:"下载提示"}):o.phone||o.tablet?o.android?g(e,t):o.ios?parseInt(o.version,10)<14?g(e,t):O(e,t):g(e,t):O(e,t)}))}});</script></body></html>