The use of the Card issued by Hanberg Club Limited (“HBC”) and/or its strategic partners is subject to the following Terms and Conditions:
(A) In addition to the terms defined in the Card Application Form, unless the context otherwise requires, the following terms shall have the meanings below:
- words importing the masculine gender shall include the feminine and neuter genders;
- words importing the singular number include the plural number and vice versa; and
- headings to the Clauses of these Terms and Conditions are for convenience only and shall not be taken into account in the interpretation or construction of these Terms and Conditions.
(A) These Terms and Conditions apply to each Account established in the name of the Customer and the use of the Cards issued by HBC and/or its strategic partner to the Customer or to the Cardholders in accordance with the Customer’s instructions. The Customer may authorise a Card to be issued to a person or for use in relation to a particular vehicle.
(B) Upon receipt of a properly completed Application, HBC and/or its strategic partner has the sole discretion to accept or decline the Application, without having to provide any reason to the Customer.
(C) The issue and use of each Card are governed by these Terms and Conditions, which shall include the provisions in the prescribed application form, the Direct Debit Authorisation form, the prescribed credit card payment authorisation form, and all supporting attachments and documentation, as applicable. If there are any inconsistencies in any of these documents with these Terms and Conditions, the provisions in these Terms and Conditions will prevail.
3. CARD TERMS AND CONDITIONS
(A) These Terms and Conditions take effect from the date of HBC’s notification to the Customer of its acceptance of the Customer’s Application (save for Clauses 1 and 2(B), which take effect upon receipt of the Application by HBC) and shall continue until termination in accordance with the provisions of Clause 13.
(B) HBC and/or its strategic partner may issue any number of Cards to the Customer for the persons or vehicles nominated in the Application.
(C) The Customer shall be fully responsible for the use of the Cards by all its Cardholders and shall further ensure that each and every Cardholder comply with these Terms and Conditions.
(D) The Card is valid for use at Authorised Resellers in Hong Kong only.
4. USE OF CARD
(A) The Card enables the Cardholder to purchase any of the Services and Products, subject to any Purchase Restrictions and Credit Limit; and provided that HBC, Suppliers and the Authorised Resellers shall not, in any way, be bound to ensure the availability or provision of the Services or Products, or be liable for any non-availability or non-provision thereof.
(B) The Customer acknowledges that whether a vehicle number is embossed on the relevant Card or not, Card may be used by anyone, and HBC, Supplier and the Authorised Resellers have no obligation to verify the identity of the users or Cardholders or the vehicle number. The Customer shall be deemed to have authorised the Transaction by the use of Card whether the vehicle number is correct or not, and whether embossed or not.
(C) The Cardholder must provide the Card to the Authorised Reseller at the time of the Transaction. The Authorised Reseller will issue the Cardholder with a Receipt at the time of the Transaction. The Customer agrees that it is each Cardholder’s responsibility to ensure and verify that the Receipt correctly records the type of Product, quantity, price and other details of the purchase. The Customer shall be responsible for and liable for all Transactions made with a Card, and will settle all Charges incurred through HBC.
(D) Each Receipt (or if no Receipt is issued, the relevant record of the transaction entry) shall be deemed as conclusive and binding upon the Customer and the Cardholder for all purposes of these Terms and Conditions.
5. PURCHASE RESTRICTIONS AND CREDIT LIMIT
(A) The Cards issued pursuant to the Customer’s Account may be subject to Purchase Restrictions. The Customer shall use and shall ensure that all Cardholders use the Cards in accordance with the Purchase Restrictions. The Customer is responsible for ensuring that the Cardholders do not exceed or breach the Purchase Restrictions.
(B) Neither HBC, Supplier nor the Authorised Resellers are obliged to check that the Cards are being used or were used in accordance with the Purchase Restrictions. HBC and/or Supplier will not be liable if the Cards were not used in accordance with the Purchase Restrictions. HBC, Supplier and/or the Authorised Resellers may refuse to supply any Services or Products to the Customer/Cardholders in excess or breach of the Purchase Restrictions.
(C) The Customer may at any time request HBC to amend the Purchase Restrictions with at least 7 working days advance written notice. Such amendments shall take effect on the date immediately following the date of HBC’s and Supplier’s approval (which they may give or withhold at their respective sole discretion) as notified to the Customer.
(D) The Customer must not exceed its Credit Limit. HBC, Supplier and/or the Authorised Reseller may refuse to supply Services and Products to the Customer/Cardholders in excess of the Customer’s Credit Limit.
(E) If any Transaction results in the Customer exceeding its Credit Limit, the Customer shall be liable to pay to HBC immediately on demand any amount by which the aggregate of the total Charges on the Account exceeds the Credit Limit.
(F) The Customer shall be responsible for and liable to HBC for all Transactions made with a Card even if the Transactions are made in breach of the Purchase Restrictions and/or Credit Limit (regardless of whether the extension of the Purchase Restrictions is approved by HBC and Supplier at the time of the Transaction).
(G) Notwithstanding anything in these Terms and Conditions, HBC, Supplier and/or the Authorised Resellers may, at their absolute discretion, at any time and from time to time, impose, add to or amend the Purchase Restrictions and/or the Credit Limit, and/or to refuse to allow the Customer or the Cardholders to purchase any Service or Product. Such decisions can be made for any reason (including without limitation, if the financial capacity of the Customer becomes impaired or unsatisfactory to HBC). Neither HBC, Supplier nor the Authorised Resellers are required to justify the decision to the Customer or the Cardholders.
6. REWARDS AND DISCOUNTS
(B) The Customer acknowledges and agrees that the Rewards offered by HBC may be amended, regulated or terminated due to but not limited to, fuel price, limited time offer, usage pattern, credit record, overdue status or upon the requests made by Supplier, the Authorised Resellers or relevant providers. HBC reserves the right to revise or terminate any Rewards at any time without prior or written notice to the Customer or assigning any reason, and without payment of any compensation to the Customer.
(A) Any Card Transaction record issued or received by HBC and/or Supplier that results from the use of a Card is conclusive proof that the amount recorded was properly incurred.
(B) Any claim or dispute between the Customer (or Cardholder) and any Authorised Reseller, Supplier and/or HBC does not relieve the Customer of the obligation to pay to HBC (without deduction) any amount incurred from using the Cards. In all circumstances, the Customer shall pay in full the amount stated on the Statement of Account without any set-off, deduction or withholding for any reason whatsoever.
(D) HBC will issue a Statement of Account to the Customer for all purchases made up to the end of a Transaction Period including all fees, charges and monies otherwise due and payable to HBC. The Customer must pay the full amount set out in the Statement of Account on or before the Payment Due Date set out in the Statement of Account.
(E) Payment will be effected by the Customer’s nominated credit card and/or direct debit from the Customer’s nominated bank account (unless a different payment method has been agreed in advance in writing between the Customer and HBC) in accordance with the credit card payment authorisation form and/or Direct Debit Autopay form submitted by the Customer, as required pursuant to the Card Application Form. The Customer agrees to be bound by the credit card payment authorisation form and/or Direct Debit Autopay form.
(F) In the event that the Customer fails to pay in full the amount stated in the Statement of Account by the Payment Due Date, HBC shall have the absolute discretion to charge late payment interests on the amount so unpaid, which is calculated from the last day of the Transaction Period until the last day of the month in which full payment is received by HBC (i.e. any period of less than a full month is treated as a full month for the purpose of charging interest under this Clause). Late payment interests shall be calculated at the rate of 3% per month on the outstanding amount (or such other rate as HBC may prescribe from time to time). The amount of late payment interest will be debited from the Customer’s Account without notice and shall not be refundable in any event. In addition, HBC may also elect in its sole discretion to suspend the Account for such period until all amounts owing to HBC have been paid in full.
(H) Any and all goods and services tax and all taxes which may from time to time be imposed or levied by any applicable governmental or regulatory authority in relation to the use of the Cards or the Account will be chargeable to and payable by the Customer and will be debited from the Customer’s Account without notice.
(I) If at any time the financial capacity of the Customer becomes impaired or unsatisfactory to HBC, in HBC’s sole judgement, advance cash payment or security satisfactory to HBC shall be given by the Customer upon demand by HBC and HBC may cancel the Account or suspend the Customer’s right to use the Cards until such payment or security is received.
(J) The Customer shall within such time as may be specified by HBC’s notice, procure a banker’s guarantee, security payment or such other collateral or security to HBC on terms that are acceptable to HBC, to guarantee all Charges due and owing by Customer from time to time, to support any Credit Limit approved by HBC and to secure the Customer’s performance of its obligations hereunder. HBC shall be entitled to make such request for the purpose of approving an application for Card issuance, ensuring payment obligations of the Customer under existing Credit Limit or an increase in Credit Limit. HBC may from time to time request for new, additional and/or replacement guarantees, security payments, collateral or security in its absolute discretion. HBC shall be entitled to suspend the use of the Card and/or demand payments to be made in advance until such guarantee, security payment, collateral or security is received. HBC shall be entitled to apply the collateral or security to settle all or any amounts due from the Customer and to cover all losses and damages that may be suffered by HBC due to failure of the Customer to observe or perform any of its obligations under these Terms and Conditions. If the Customer has duly settled all Charges and observed and performed all its obligations under these Terms and Conditions, such collateral or security will be returned to the Customer, without interest, as soon as practicable after the termination of the use of the Card in accordance with Clause 13. Without prejudice to the generality of the above, HBC reserves the right to impose a security payment of $500 (or a reasonable amount determined by HBC) per vehicle registered for the Customer’s Account.
(K) The Customer must notify HBC in writing of any dispute of any amount in the Statement of Account within 30 days from the date of the Statement of Account. Unless the Customer disputes the amount within 30 days, the amount set out in the Statement of Account shall be taken to be accepted by the Customer and due and payable to HBC.
(L) HBC may appropriate any payment made by the Customer and apply it in total or partial satisfaction of any debt then due from the Customer to HBC. If the Customer should have more than one Account with HBC, HBC may appropriate payment made for one Account to settle any debt due from another Account and the Customer is deemed to have authorised such payment. The Customer and/or HBC may also request for the use of prepaid payment methods specifying the prepaid amounts to be made. If the prepaid amount has been fully deducted and/or fall below a specified deposit amount, the Customer hereby agrees that HBC may charge such additional prepaid amounts from any of the Customer’s registered credit card accounts, bank Direct Debit Autopay accounts or other agreed payment method. HBC reserves the right to deduct or direct debit the Customer’s outstanding payment in all of the Customer’s registered credit card accounts or bank Direct Debit Autopay accounts, without prior notice. The Customer hereby authorises HBC at any time by written notice to the Customer to apply any credit balance (whether or not then due) to which the Customer is at any time beneficially entitled on any account, or which is held to the Customer’s order, in or towards satisfaction of any sum then due from the Customer to HBC and unpaid. HBC shall not be obliged to exercise its rights of set-off and appropriation under this Clause, which are without prejudice to and in addition to any other rights or lien to which it is at any time otherwise entitled (whether by operation of law, contract or otherwise).
(M) The Customer shall ensure that it has obtained the third party payor’s authorisation and consent to the use of the third party payor’s bank account and/or credit card account to pay HBC for all Transactions and Charges. The Customer shall notify the third party payor of any changes, additions or deletions to the use of the Account and the Card (including any Purchase Restrictions or Credit Limit). HBC shall not be under any obligation to notify the third party payor and/or obtain payment authorisation from the third party payor. HBC shall not be liable to the third party payor in any circumstance including under warranty, contract, tort or other legal theory and in particular, HBC shall not be liable for any changes including, without limitation:
In the event of any claim or demand by the third payor against HBC, the Customer shall fully indemnify HBC in accordance with Clause 12. For the avoidance of doubt, the third party payor and the Customer may have (but not limited to) the following relationships: (i) spouses; (ii) siblings; (iii) parents and their children (iv) grandparents and their grandchildren; (v) family relatives; (vi) friends; (vii) legal guardian; (viii) companies/business owners and their employees, drivers, shareholders, directors, officers, consultants or authorised persons.
8. COMPLIANCE AND INFORMATION
(A) The Customer undertakes and agrees with HBC that it shall and shall ensure that the Cardholders fully observe and perform these Terms and Conditions including without limitation, the following:
(B) The Customer agrees to provide HBC with any information that HBC may reasonably request about the Customer or any Cardholder on their use of the Cards or Account and provide HBC with any documentation related to such use upon HBC’s request. In particular, the Customer shall provide HBC, within 14 days of HBC’s request and in any event on a 6-months’ basis without being requested, with information in respect of the Customer’s financial condition, business activities and, in particular, but without limitation, such information as may be necessary to support the extension of any further credit to the Customer. The Customer shall and shall procure its Cardholders to fully cooperate with HBC in any investigation, litigation or prosecution arising or in connection with the Cards or the Account.
(C) The Customer must notify HBC in writing as soon as possible (and no later than 7 days) of any change in its address from that set out in the Card Application Form or as previously notified to HBC. The Customer will be liable for all transactions charged on the Card that was delivered to the last address made known to HBC by the Customer. The Customer shall be liable for all Charges, losses, costs, expenses or claims arising out of any use of a Card, whether authorised or unauthorised, until HBC receives the notice from the Customer of the address change and acts upon it to amend the Customer’s records.
9. LOSS, CANCELLATION OF CARD
(A) The Customer shall keep, or shall procure that the Cardholders keep, all Cards secure. If any Card is lost, stolen, misused, no longer required by the Customer, the Customer must immediately notify HBC through the HBC Card Hotline and confirmed in writing within 3 business days.
(B) Customer shall be liable for all Charges, losses, costs, expenses or claims arising out of any use of a Card, whether authorised or unauthorised, until HBC receives a notice from the Customer in accordance with Clause 9(A) above and acts upon it to cancel the Card. Cancellation of a Card shall occur within 7 working days upon receipt of such notice.
(C) If any Card reported lost or stolen is subsequently retrieved, it shall not be used by the Customer or its Cardholders and the Customer shall immediately destroy the same.
10. CARD ONLINE SERVICES
(B) The Customer/Cardholders may access and use the Online Services only upon the issuance of valid Access Codes by HBC. The Customer shall use all reasonable efforts to prevent the sharing of Access Codes by its Cardholders, anyone else within its organisation or any third parties.
(C) The Customer is fully responsible for all activities that occur under the Access Codes issued to its Cardholders. The Customer must notify HBC immediately through the HBC Card Hotline and confirmed in writing within 3 business days, if it becomes aware of any unauthorised use of any Access Code, or any loss or theft of such Access Code or any records thereof, or if it believes that any Access Codes has become known to any unauthorised person. Upon being so notified, HBC may, in its absolute discretion, revoke a password and/or user logon ID and issue new Access Codes. HBC may in its absolute discretion invalidate a user logon ID at any time for any reason, including without limitation if it has not been used to access the Site for a continuous period of 90 days or more or after multiple attempts to log on through an incorrect user logon ID and/or password. The Customer shall be liable for all Charges, losses, costs, expenses or claims arising from activities occurring under the Access Codes, whether authorised or unauthorised, until HBC invalidates the user logon ID.
(D) The Customer acknowledges and agrees that HBC are and shall remain the owners of any registration or other individual user data required to access or use the Online Services, and any other data, information or database created or obtained in relation thereto or as a result thereof by HBC in connection with the Online Services including without limitation, any and all intellectual property rights therein. Except as expressly set forth in these Terms and Conditions, the Customer has and retains no right, title, or interest in and to any of the foregoing items.
(E) The Customer is solely responsible for adopting reasonable measures to limit risks and exposure with respect to potential claims, losses or damages arising from use, non-use, interruption, delay, errors, or omissions of or in the Online Services, or the results thereof, including without limitation, examination and confirmation of data prior to use thereof, provision for identification and correction of errors and omissions, preparation and storage of backup data, replacement of lost or damaged data or media, and reconstruction of data.
(F) The Customer represents, warrants, and covenants to HBC that:
(G) The Online Services and the Site are provided by HBC on an “as is” and “as available” basis. HBC and Supplier make no representations or warranties of any kind, expressed or implied, as to the operation of the Site, the contents or any information made available on or through the Site. HBC and Supplier make no representations or warranties of any kind, expressed or implied, as to the Online Services or any products offered on the Site or in connection therewith except as expressly contained in written documentation accompanying the relevant Online Services or products. To the full extent permissible by applicable law, HBC and Supplier disclaim all warranties, expressed or implied, including but not limited to, implied warranties of title, merchantability, non-infringement, fitness for a particular purpose with respect to all of the foregoing. Furthermore, HBC and Supplier do not warrant the accuracy or completeness of the information provided on or through the Site. HBC may make changes to the Online Services, software and any and all information provided on or through, including to the Online Services, products and prices described on this Site, at any time without prior notice to the Customer or its Cardholders. HBC and Supplier do not warrant that the Online Services available on or functions performed at this Site will be uninterrupted or error-free, that defects will be corrected, that the Online Services will be suitable for the Customer’s purposes, or that this Site or the server that makes it available are free of viruses or other harmful components.
(H) HBC reserves the right to suspend or restrict access to the Site and may at any time in its absolute discretion without notice and without cause bar access to the Site by any person, including persons who previously had access.
11. LIMITATION OF LIABILITY
(A) HBC, Supplier, the Authorised Resellers and/or any of their directors, employees, shareholders, agents, advisors, suppliers, licensors, advertisers, contractors, authorised persons and affiliates, will not be liable for any damages of any kind arising from the use of the Card, the Site or any of the products, services or features provided thereon, including but not limited to direct, indirect, incidental, exemplary, special, punitive and consequential damages. Without limiting any of the foregoing, this Clause shall apply to the use, inability to use, or the results of use of the Card, the Site, any websites linked to the Site, the materials, information, services, products or software contained at any or all such linked sites, or the materials, information, services, products or software offered on or through the Site, whether based on warranty, contract, tort or any other legal theory and whether or not a party was advised of the possibility of such damages.
(B) Notwithstanding any provisions in these Terms and Conditions, HBC, Supplier and/or the Authorised Resellers shall not be responsible or liable to any and all Customer, Cardholders or third party payor (including any of their directors, employees, shareholders, agents, advisors, suppliers, licensors, advertisers, contractors, authorised persons, affiliates, drivers or vehicle owners) for any loss, damage or liability incurred or suffered as a consequence of any one or more of the following events or occurrences:
The Customer agrees to indemnify, defend and hold HBC, Supplier, the Authorised Resellers and/or each of their directors, employees, shareholders, agents, advisors, suppliers, licensors, advertisers, contractors, authorised persons and affiliates harmless from and against any and all claims, damages, losses, costs (including legal costs on a full indemnity basis) or other expenses that arise directly or indirectly out of or from:
13. SUSPENSION, TERMINATION OF USE OF CARD AND ACCOUNT
(A) The use of any or all Cards or the Account may be suspended or terminated by HBC at any time without prior notice and without assigning any reason for such suspension or termination. The use of any or all Cards or the Account may be terminated by the Customer by giving at least 7 working days’ written notice thereof to HBC, by cutting the Card into 2 pieces and returning it with official cancellation form. Further, the Customer acknowledges and agrees that:
(B) Immediately upon termination of the use of any or all Cards or the Account (whether by HBC and/or the Customer):
(C) Upon the suspension or termination of the Account for any reason whatsoever (whether under this Clause or Clause 7), the Rewards scheme will terminate with immediate effect without any compensation from HBC any Rewards, accrued or to be accrued, will be lost or disqualified.
(D) No suspension, termination or cancellation in accordance with these Terms and Conditions shall affect the Customer’s obligations and liability to effect full payment for any purchases of Products and/or Online Services charged to any Cards or otherwise prescribed in these Terms and Conditions; nor shall it prejudice HBC’s rights in respect of any antecedent breach of these Terms and Conditions and stipulations herein contained.
14. PROPERTY OF CARD
(A) All Cards are and shall remain the property of HBC and are not transferrable.
(B) The Customer shall not use name or initials of the Marks or any combination or variation thereof in any manner, and shall not challenge ownership of the Marks.
HBC reserves the right, and shall be entitled, to vary or amend these Terms and Conditions at any time from time to time (which latest version is available at https://hbclub.com.hk). Such amendments shall take immediate effect from the date specified by HBC. The Customer shall be deemed to have accepted and agreed to such amendments without reservation unless HBC receives the Customer’s written notice of termination of the use of the Cards or Account within 7 days of such effective date.
The Customer shall not have the right to assign, transfer or delegate any or all of its rights or obligations hereunder. HBC may assign or novate any or all of its rights, title and interests (including any claims or right to receive payment of any monies hereunder) in or contemplated under these Terms and Conditions to any party on notice to but without the prior consent of the Customer.
If any provision of these Terms and Conditions shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms and Conditions and shall not affect the validity and enforceability of any remaining provisions. No failure, delay or indulgence given by HBC and/or Supplier in exercising any of its rights pursuant to these Terms and Conditions shall be deemed to be a waiver of that right nor shall it operate to bar the exercise or enforcement of it at any time or times thereafter.
18. NOTICES AND COMMUNICATIONS
(A) Any notice referred to in these Terms and Conditions shall be deemed to have been received by the Customer on the date following its posting if by mail or on the same day, if by electronic communication made by HBC. Unless otherwise provided in these Terms and Conditions, any request, notice or communication from the Customer to HBC shall be in writing and signed by the Customer and shall only be effective upon actual receipt by HBC. The Customer calls and all conversations with HBC may be recorded.
(B) HBC may, but are not obliged to, receive instructions, applications, notices and/or any other communication from the Customer and Cardholders orally or electronically (including by telephone, electronic messaging and mobile applications). The Customer takes the risk of such communications with HBC and HBC shall be entitled to rely and act upon such communications. HBC will not be liable for any loss arising as a result of acting on the basis of such communications and the Customer agrees to indemnify HBC in consequence of it accepting and acting upon such communications, whether or not such communications were given or sent by the Customers or Cardholders.
(A) The Customer declares that all information given in the Card Application Form and Personal Information that may be provided to HBC as and when required by HBC is or will be true, accurate and complete. The Customer agrees to provide HBC with Personal Information as may be required by HBC from time to time for purposes of application and all other matters relating to Card and understands all Personal Information provided by the Customer will be used and relied upon by HBC for the said purposes. The Customer declares that the Customer has obtained the necessary consents from the Cardholders, vehicle owners or such other person whose Personal Information may be provided in the Application or subsequent use of the Cards.
(B) The Customer authorises and gives consent to HBC to obtain, retain, use and/or disclose Personal Information (including name, contact information, telephone/mobile number, email address and mailing address, service and product combination, transaction method, financial background, demographic data) and HBC shall be entitled and is hereby irrevocably authorised by the Customer to disclose the Personal Information obtained (whether from the Customer, its Cardholders or any other source) by HBC to:
(C) Without prejudice to the generality of Clauses 19(A) and 19(B), by making an Application, the Customer agrees that HBC and Supplier may collect, use and disclose all Personal Information as provided in the Application, or (if applicable) obtained by HBC or Supplier as a result of Customer’s use of the Cards, for the following purposes in accordance with the present privacy regulation and HBC’s and Supplier’s respective data protection policies:
(D) HBC may disclose Personal Information for the purposes of sending promotional, marketing and other publicity information from HBC, Supplier and/or any parties mentioned above in Clause 19(B) via mobile phone number, mailing address and/or email address from time to time. HBC shall be further entitled and is hereby irrevocably authorised by the Customer, in the event the Customer fails to make payment pursuant to Clause 7, to disclose Personal Information to consumer credit entities, agencies or bureaus who may retain, compile, interpret, report, synthesize, process or disclose such Personal Information to other credit grantors, agents or organisations for purposes of, including without limitation, conducting credit checks, assessing creditworthiness, collecting debts, determination of indebtedness and liabilities and other purposes incidental thereto. HBC may also disclose Personal Information for the following purposes:
(E) HBC and/or Supplier may also disclose the Customer’s Personal Information to third parties in circumstances where HBC and/or Supplier believes that the law requires it or in response to what HBC and/or Supplier believes in its sole discretion to be an emergency. HBC and/or Supplier reserves the right to co-operate with law enforcement agencies and regulatory bodies with respect to the use of Card for illegal activities and HBC and/or Supplier also reserves the right to report any suspected illegal activity for investigation or prosecution.
(F) HBC and/or Supplier cannot and does not assume any responsibility or liability whatsoever for any actions, negligence or omissions of any such agents, current or prospective business partners, other strategic partners, consumer credit entities, agencies or bureaus, credit grantors, agents or organisations or other third parties to which Personal Information is disclosed pursuant hereto, including the way in which they retain, compile, interpret, report, synthesize, process, disclose or use such information.
20. GOVERNING LAW AND JURISDICION
(A) This Agreement shall be governed by and construed in accordance with the laws of Hong Kong and the parties hereby agree to submit to the exclusive jurisdiction of the courts of Hong Kong.
21. WARRANTIES AND OTHER TERMS
(A) All conditions and warranties, whether expressed or implied and whether arising under any law, regulation or otherwise, as to the condition, suitability, quality, fitness for purpose or safety of the Products are expressly excluded to the extent permitted by law.
(B) The Customer shall promptly notify HBC of any violation of these Terms and Conditions.
(C) If HBC and the Customer have entered into any previous agreements relating to the use of Cards, the provisions in these Terms and Conditions shall prevail in the event of any inconsistencies with the terms of such previous agreements.
(D) These Term and Conditions are written in English and other languages. In case of inconsistency between the English version and the versions in other languages, the English version shall prevail.