用户协议

User Agreements

BabelFinance加密资产借贷服务(以下简称“本服务”)是由BABEL公司(以下简称“本公司”)面向全球加密资产爱好者开放的第 三方交易平台(以下简称“本平台”),本公司基于该平台为用户提供加密资产交易及相关服务,本协议由您和本平台签订。

本协议具有合同效力。若您访问、使用了本平台,或注册成为本平台的用户,或以任何其他方式与本平台产生联系,您便 接受了以下的条款。请您仔细阅读本协议中的全部条款,并确保您已经知晓并完全理解了全部条款的含义。

若您代表公司使用本平台所提供的服务,您在此向本平台及本公司承诺,您有权代表公司,您对本协 议的接受将被自动视为您所代表的公司对本协议的接受。

本平台采取合理的方式提醒平台用户需要特别注意的义务将在本协议中采用加粗的方式实现,以确保平台用户能够完全理解本协议。

请您注意,无论您事实上是否在购买本协议约定的服务之前认真阅读了本协议,只要用户点击协议正本下方的“我已阅读并同意《用户协议》”按钮,并按照注册程序成功注册,您的行为即表示您同意并签署了本协议。

一、定义

1.1 “BabelFinance”,本协议中,如无相反表示,“BabelFinance”为BABEL公司及其关联公司的统称,亦包括其所运营的网站BabelFinance及其关联网站和移动APP平台。

1.2 “平台用户”(或“您、用户”),本协议中,如无相反表示,“平台用户”(或“您、用户”)为访问、使用、注册或以其他任何方式与BabelFinance产生联系的个人或企业。

1.3 “用户注册”指您按本平台提供的方式、按平台要求填写相关信息并进行确认,同意履行相关用户协议的过程。用户注册后,您即获 得“BabelFinance账号”,您可以通过该账号使用本平台部分服务,您还可以进一步申请并通过本平台验证后取得BabelFinance账户,使用更多服务,具体验证方式以本平台相关页面提示为准。

1.4 “BabelFinance账户”,指您通过用户注册并绑定邮箱通过本平台身份验证后取得的供您使用平台加密资产交易服务的支付账户,本平台将为每个账户中的不同种类加密资产分配一个对应种类的数字地址。

1.5 “加密资产”,指不依托任何实务,依靠密码技术和校验技术创建、分发和维持的网络虚拟货币。本平台下可供交易的数字货 币包括但不限于比特币(BTC)、以太坊(ETH)、泰达币(USDT)等经过本平台认可的加密资产资产。

1.6 “加密资产交易”,指用户通过本平台交易加密资产资产、进行加密资产资产的借贷、进行加密资产资产的融资融币等活动的交易行为。

1.7 “充币”,指用户将加密资产转入用户的BabelFinance账户的对应加密资产地址中。

1.8 “提币”,指用户将自己的BabelFinance账户中的加密资产资产提取到自己非在本平台的加密资产地址中。除非您提供的加密资产地址不可用,在符 合本协议约定的提币要求前提下,本平台将于收到提币指令后的合理时间内,将相应加密资产资产转入您提供的加密资产地址。

二、 本协议性质及成立

2.1 本协议是由您与BabelFinance之间,就您使用BabelFinance所提供之平台服务所成立并生效的一致协议。

2.2 您确保,您在签署本协议时具有法律规定的完全民事权利能力和民事行为能力,如您不具备本条款所述的条件,请勿注册,否则本平台有 权随时中止或终止您的用户资格,同时对您在本平台所进行的所有行为,您及您的监护人应依照法律规定承担因此而导致的一切后果。

2.3 任何个人、法人或其他组织有权选择不接受本条款,并拒绝访问、拒绝使用、拒绝注册或拒绝以其他任何方式与BabelFinance产生联系。个人、法人、其他组织或平 台用户对BabelFinance的访问、使用、注册或以其他任何方式与BabelFinance产生联系的行为,即视为接受本协议的全部内容,并与BabelFinance就本协议成立一致协议且生效。

2.4 平台用户使用BabelFinance新推出的产品或服务、增加或强化目前本服务的任何新功能,均受到本协议之规范。

2.5 本协议内容包括本协议项下全部条款及本平台已经发布的或将来可能发布的各类规则。所有规则为本协议不可分割的一部分,与协议正文具有同等法律效力。

三、 用户账号

3.1 平台用户在BabelFinance通过注册程序,注册成功后,BabelFinance将给予每位平台用户一个用户账号,平台用户可以为该用户账号自行设定用户密码,该用户账号和用户密码由平台用户自行负责保管。

3.2 平台用户应遵循诚实信用原则向本站提供注册资料,用户同意其提供的注册资料真实、准确、完整、合法有效,用户注册资料如有变动的,应及时更新其注册资料。

3.3 平台用户应当对以其用户帐号进行的所有活动和事件负法律责任。

3.4 平台用户应谨慎合理的保存、使用其用户名和密码。非因本平台原因,平台用户账号或用户密码泄露或遭他人非法使用而造成的一切损失,由平台用户自行承担。

3.5 除本协议另有约定外,平台用户基于其用户账号获得的服务权利不可转让、不可赠与、不可继承。

3.6 平台用户设置的BabelFinance会员名不得违反相关法律法规及BabelFinance规则关于会员名的管理规定,否则BabelFinance可不经用户同意直接回收用户的BabelFinance会员名。

3.7 平台用户申请注销用户账号的,应当确保注销的账号为平台用户本人所有,同时应当按照BabelFinance规定的程序进行用户账号的注销,注销后的用户账号无法恢复。平台用户接受并同意注销用户账号后,所有的用户信息将被平台删除的后果。

3.8 若平台用户在注册BabelFinance用户账号后连续36个月内,没有使用过该用户账号,则BabelFinance有权在该账户注册期满36个月后注销该用户账号,删除与该用户账号的一切信息。

四、 服务内容

4.1 本平台为平台用户提供加密资产投资活动的平台服务,平台用户可通过本平台抵押区块链资产获取利益、或将自己的区块链资产(包括USDT等本平台认可的加密资产资产)存放入本平台获取利益,亦可通过本平台进行加密资产的P2P交易。

4.2 平台用户有权在平台浏览加密资产实时行情及交易信息、有权通过平台提交加密资产交易指令并完成交易。

4.3 平台用户有权在平台查看其平台账号下的信息,有权查看自己账户的交易记录及交易详细信息。

4.4 平台用户有权按照平台发布的活动规则参与平台组织的平台活动

4.5 平台为用户提供的其他服务。

五、 使用规则

5.1 平台用户不应将其用户帐号、用户密码转让、出借予他人使用,也不应与他人共享使用。如用户发现其帐号遭他人非法使用,应立即通知本平台,并修改用户密码。因黑客行为或平台用户的保管疏忽导致用户帐号、用户密码遭他人非法使用,BabelFinance不承担任何责任。

5.2 平台用户同意BabelFinance有权在提供网络服务过程中以各种方式投放各种商业性广告或其他任何类型的商业信息(包括但不限于在BabelFinance网站 的任何页面上投放广告),并且,用户同意接受BabelFinance通过电子邮件或其他方式向用户发送商品促销或其他相关商业信息。

5.3 平台用户承诺,其在使用本平台提供的服务过程中,应当遵守以下规则:

5.3.1. 遵守本协议所应适用的相关法律、法规或其他规定;

5.3.2. 遵守本平台所公布的所有的协议、条款、规定和程序;

5.3.3. 保证账户中所有加密资产资产来源的合法性;

5.3.4. 不得为任何非法目的而使用网络服务系统;

5.3.5. 不得以任何形式使用本平台的服务侵犯本平台的商业利益,包括但不限于发布未经本平台许可的商业广告;

5.3.6. 不得利用本平台的服务或系统进行任何可能对互联网或移动网正常运转造成不利影响的行为;

5.3.7. 不得恶意干扰本平台加密资产资产交易服务的正常运行、不得破坏交易秩序;

5.3.8. 不得以任何技术手段或其他方式干扰其他用户对本平台服务的正常使用;

5.3.9. 不得侵犯任何其他第三方的著作权、商标权、专利权、隐私权、名誉权或其他任何合法权益;

5.3.10. 不得利用BabelFinance的服务或系统进行任何不利于BabelFinance的行为;

5.3.11. 若发现任何非法使用用户账号或账号出现安全漏洞的情况,应立即告知BabelFinance;

5.3.12. 用户在使用本平台所提供的服务时,应仔细阅读本平台所发布的所有交易信息,该等信息包括但不限于加密资产币种、价格、买进买入方向及数量、期限等。

5.4 BabelFinance有权对平台用户使用BabelFinance的所有任何服务的情况进行审查和监督(包括但不限于对平台用户存储在BabelFinance的内容进行审核)。若平台用户在使用网络服务时违反上述任何规 定,BabelFinance或其授权人有权要求平台用户改正或直接采取一切必要的措施(包括但不限于更改或删除平台用户编写的内容等、暂停或终止用户使用BabelFinance的权利)以减轻用户不当行为造成的 影响,BabelFinance不承担任何责任。

5.5 BabelFinance在提供网络服务的过程中,可能通过各种方式(包括但不限于网页公告、电子邮件、短信提醒等)作出其他声明、通知、警示、规则等,该声明、通知、警示或规则等的内容视为本 协议不可分割的一部分。平台用户若继续访问、使用、注册或以其他任何方式与BabelFinance产生联系,则视为平台用户同意并接受该声明、通知、警示或规则等的内容。

六、 充币及提币

6.1 为保证平台用户的资产安全,平台用户同意并愿意遵守如下充币及提币规则:

a) 每账户每日提币频率为5笔/日;

b) 本平台单笔提币交易上限为提币申请时与100,000美元等值的加密资产,单笔交易提币下限为提币申请时与1000美元等值的加密资产;

6.2 平台用户了解并同意,在下述情况下,您将无法使用BabelFinance账户的提币功能:

a) BabelFinance账户中的相关加密资产资产已被平台用户质押;

b) BabelFinance账户中的相关加密资产资产已被平台用户缴纳为保证金;

c) BabelFinance账户中的相关加密资产资产因平台用户在BabelFinance的违约行为而被BabelFinance冻结;

d) BabelFinance账户中的相关加密资产资产被有权部门要求冻结。

6.3 收费及提示

a) 平台用户了解并同意,本平台有权就为平台用户提供的提币服务收取手续费,费率为0.1%,同时本平台有权在平台用户提币时直接扣除该部分手续费用。

b) 平台用户可通过BabelFinance平台查询已收取的提币服务费用信息。相关信息的可查询期限为自服务发生之日起【1】年。

c) 平台用户了解并同意,当平台用户进行提币或其它本平台提供的收费服务时,本平台可能不会对平台用户使用该服务应支付 的费用进行提示,平台用户应自行根据本规则及相应的收费标准计算平台用户应支付的服务费用。

d) 平台用户了解并同意,除非平台用户能提交充分的相反证据证明本平台系统记录有误,平台用户认可其使用BabelFinance所产生的使用记录、交易金额、应支付的服务费用等均以本平台系统记录为准。

七、 知识产权

7.1 BabelFinance提供的服务及BabelFinance中包含的任何文本、图片、图形、音频和/或视频资料均受著作权、商标权和/或其他知识产权和财产所有权法律的保护。未经相关权利人同意,上述 资料均不得在任何媒体直接或间接发布、播放、出于播放或发布目的而改写或再发行,或者被用于其他任何商业目的。BabelFinance不就由上述资料产生或在传送或递交全部或部分上述资料过程中 产生的延误、不准确、错误和遗漏或从中产生或由此产生的任何损害赔偿,以任何形式,向平台用户或任何第三方负责。

7.2 BabelFinance为提供服务而使用的任何软件(包括但不限于软件中所含的任何图象、照片、动画、录像、录音、音乐、文字和附加程序、随附的帮助材料)的一切权利均属于该软件的著作 权人,未经该软件的著作权人许可,平台用户不得对该软件进行反向工程、反向编译或反汇编。

7.3 “BabelFinance”为本平台的商标,未经平台的书面授权,任何用户或者第三方不得擅自使用,或以此牟取任何商业利益。

7.4 BabelFinance对网络知识产权保护尽合理、审慎的义务,在有理由确信平台用户存在明显侵犯任何第三方知识产权的情形,或者接收到其他第三方关于知识产权的权利主张或投诉时,BabelFinance有权 不事先通知并随时对该涉嫌侵权的内容采取删除、屏蔽或断开服务等措施,且无需对该平台用户承担任何责任。

八、 隐私保护

8.1 BabelFinance尊重平台用户的隐私,保护平台用户隐私也是BabelFinance的一项基本政策。

8.2 有关BabelFinance关于隐私保护的相关条款,请见BabelFinance的“隐私声明条款”。

8.3 BabelFinance的“隐私声明条款”作为本协议的共同组成部分,平台用户接受本协议的同时,即视为一并接受“隐私声明条款”。

九、 反洗钱

9.1 BabelFinance遵守和执行国际反洗钱法的规定,对用户进行身份识别、客户身份资料和交易记录保存制度,以及大额和可疑交易报告的制度。

9.2 用户注册、挂失登录账户、登录密码或交易密码时,应当提供本平台所要求的身份证明信息(包括但不限于电话号码、联系方式等),BabelFinance将对用户上传提供的证明信息 予以识别、核对,当BabelFinance有合理理由怀疑用户使用虚假身份或冒用他人身份进行注册或进行平台操作时,有权拒绝注册、停止服务或注销已经注册的账户。

9.3 BabelFinance将保存大额交易和涉嫌洗钱行为的交易记录,当相关监管机构要求提供大额交易和涉嫌洗钱行为的交易记录时,BabelFinance有权向监管机构提供。

9.4 BabelFinance将对用户信息、大额交易以及可以交易记录进行保存,并依法协助、配合司法机关和行政机关打击洗钱活动

十、 风险提示

10.1 您了解,加密资产本身不由任何金融机构或公司或本网站发行。

10.2 您了解,加密资产主要由投机者大量使用,零售和商业市场使用相对较少,加密资产交易存在极高风险,其24小时不间断交易、无涨跌限制,价格容易受政府政策等因素影响而大幅波动。

10.3 您了解,因各国法律、法规和规范性文件的制定或者修改,加密资产交易随时可能被暂停或被禁止,由此造成的所有损失,由用户自行承担;

10.4 您了解,加密资产投资有可能导致部分损失或全部损失,所以您应该以能承受的损失程度来决定投资的金额。

10.5 您了解,除了上述提及的风险以外,加密资产资产交易还存在其他未提及或未能预测的风险,您应慎重考虑并用清晰的判断能力评估自己的财政状况及上述各项风险,进而作出 任何买卖加密资产的决定,并自行承担由此产生的全部损失,本平台对此不承担任何责任。

10.6 您了解并同意,出于实现本协议目的的需要,平台无须事先经过您的同意,而有权直接依据您与平台间的合同约定,将您质押或存放在BabelFinance的加密资产中的部分或全部放入加密资产交易所。

10.7 您了解并同意,当您质押或存放在平台的加密资产触及您与平台约定的平仓线时,平台无须事先经过您的同意,而有权依据您与平台间的合同约定,直接将存放在交易所中的部分或全部加密资产进行处置,以弥补双方损失。

十一、 免责

11.1 平台用户明确同意其使用BabelFinance提供的服务所存在的风险将完全由其自己承担;因其使用BabelFinance提供的服务而产生的一切后果也由其自己承担,BabelFinance对用户不承担任何责任。

11.2 BabelFinance不担保网络服务一定能满足平台用户的要求,也不担保网络服务不会中断,对网络服务的及时性、安全性、准确性也都不作担保。

11.3 BabelFinance不保证为向用户提供便利而设置的外部链接的准确性和完整性,同时,对于该等外部链接指向的不由BabelFinance实际控制的任何网页上的内容,BabelFinance不承担任何责任。

11.4 对于因不可抗力或BabelFinance不能控制的原因造成的网络服务中断或其他缺陷,BabelFinance不承担任何责任,但将尽力减少因此而给平台用户造成的损失和影响。

11.5 平台用户同意并接受,除本协议已有约定外,BabelFinance对于下列造成平台用户损失的事项或情况亦不承担任何责任:

11.5.1 由于平台用户未妥善保管其用户账号,或将其用户密码告知他人,或与他人共享注册用户账号,由此导致的用户账号被盗用、非法使用、资金(若有)减少等及由此引发的任何法律争议或后果;

11.5.2 任何由于黑客攻击、计算机病毒侵入或发作而造成的的任何法律争议或后果;

11.5.3 任何由于政府管制、设备损坏等影响网络正常运作而造成的任何法律争议或后果;

11.5.4 由于与BabelFinance链接的其他网站所造成的任何法律争议或后果;

11.5.5 由于其他第三方合法的权利主张,而暂停、中断或终止对平台用户的服务;

11.5.6 由于BabelFinance以外的任何主体的原因而造成的任何法律争议或后果

十二、 服务变更、中断或终止

12.1 平台用户知晓并接受,BabelFinance需要定期或不定期地对提供网络服务的平台(如互联网网站、移动网络等)或相关的设备进行检修或者维护,如因 此类情况而造成服务在合理时间内的中断,BabelFinance无需为此承担任何责任,但BabelFinance将尽可能事先进行通告。

12.2 平台用户确认,由于加密资产交易存在极高风险,其24小时不间断交易、无涨跌限制,价格容易出现暴涨暴跌现象,如在BabelFinance基于本合同而进行的服务中断、中止期间出现加密资产的暴涨暴跌 现象,平台用户不因该期间内的系统无法操作而向BabelFinance主张任何责任。

12.3 若发生下列任一情形,BabelFinance有权随时中断或终止向平台用户提供本协议项下的网络服务,删除平台用户的用户账号,而无需对平台用户或任何第三方承担任何责任:

12.4.1 平台用户提供的资料不真实;

12.4.2 平台用户违反本协议项下的任何约定;

12.4.3 注册的用户名违反相关法律、法规规定的;

12.4.4 注册的电子邮箱地址被判定为无效;

12.4.5 按照政府机关、行政机关或司法机关等政府部门的要求。

12.5 若发生下列任一情形,BabelFinance的服务中断,导致平台用户无法使用各项服务的,BabelFinance不承担任何责任:

12.5.1 BabelFinance基于本协议第11.1条进行的系统或设备检修或维护的期间;

12.5.2 电信设备出现故障不能进行数据传输的;

12.5.3 由于黑客攻击、电信部门技术调整或故障、网站升级或其他非BabelFinance的原因而造成的服务中断或者延迟;

12.5.4 因台风、地震、海啸、洪水、停电、战争、恐怖袭击、政府行为等不可抗力之因素,造成BabelFinance无法提供服务的。

十三、 违约赔偿

13.1 除本协议另有约定外,如因BabelFinance违反有关法律、法规或本协议项下的任何条款而给平台用户造成损失,BabelFinance应当承担平台用户由此受有的实际损失。

13.2 如因平台用户提供的信息不真实、不准确、不完整给BabelFinance造成损失的,本平台有权要平台求用户对BabelFinance的全部损失进行赔偿(包括但不限于直接损失、间接损失及BabelFinance 为维护自身权益而引起的律师费、差旅费、住宿费、诉讼费、仲裁费、保全费等)。

13.3 平台用户应当尽最大努力保障和维护BabelFinance及其他BabelFinance用户的利益,如因平台用户违反有关法律、法规或本协议项下的任何条款而给BabelFinance或任何其他第三方 造成损失,平台用户应当承担由此造成的全部赔偿责任,损害赔偿责任包括但不限于BabelFinance的直接损失、间接损失及为维护自身权益而引起的律师费、差旅费、住宿费、诉讼费、仲裁费、保全费等。

十四、 特别提示

14.1 平台用户必须自行配备上网和使用电信增值业务所需的设备,自行负担因上网或第三方(包括但不限于电信或移动通信提供商)收取的通讯费、信息费等有关费用。如涉及电信增值服务的,BabelFinance建议平台用户与其电信增值服务提供商确认相关的费用问题。

14.2 BabelFinance的网页上可能存在其他网页或广告等的链接,BabelFinance对其他任何网站的内容、隐私政策、运营或经营这些网站的公司的行为概不负责。在点击这些网站提供的链接之前,请平台用户慎重考虑,保护自身的权益及安全。

十五、 本协议的修改

15.1 BabelFinance有权对本协议的内容随时更新,且无需另行通知。BabelFinance将对修改后的协议(以下简称“后协议”)进行公布,后协议如与修改前的原协议中的内容有矛盾的,以后协议的约定为准。平台用户可随时登陆BabelFinance查阅最新的用户协议。

15.2 若平台用户不同意本协议的修改,可以拒绝访问、拒绝使用、拒绝注册或拒绝以其他任何方式与BabelFinance产生联系。个人、企业或平台用户在本协议修改后对BabelFinance的访问、使用、注册或以其他任何方式与BabelFinance产生联系的行为,即视为接受本协议的修改,并与BabelFinance就修改后的本协议成立一致协议且生效。

十六、 通知送达

16.1 本协议、隐私声明条款以及BabelFinance其他的声明、通知、警示、规则项下,BabelFinance对于平台用户所有的通知均可通过网页公告、电子邮件、手机短信或常规的信件传送等方式进行,该等通知于发送之日视为已送达收件人。

16.2 平台用户对于BabelFinance的通知应当通过BabelFinance对外正式公布的通信地址、传真号码、电子邮件地址等联系信息进行送达。

十七、 法律适用及管辖

17.1 本用户协议的成立、生效、履行、解释及争议的解决均适用香港法律

17.2 如本用户协议因与本合同所适用之法律相抵触而导致部分无效,不影响其他部分的效力。

17.3 与本用户协议相关的一切争议,双方协商不成的,任何一方有权将争议提交至香港国际仲裁中心。



BABEL公司
2018 年 8 月 1日

BabelFinance Digital Currency Lending Service (hereinafter referred to as the “Service”) is a third-party trading platform (hereinafter referred to as the “Platform”) opened by BABEL Ltd. (hereinafter referred to as the “Company”) to global Digital Currency lovers. The Company provides Users with Digital Currency Transactions and relevant services based on the Platform. This Agreement is made and entered into by and between you and the Platform.

This Agreement has the contractual effect. By accessing and using the Platform, or registering as a Platform User, or otherwise having an association with the Platform, you accept and agree to be bound by the following terms and conditions. Please read all terms and conditions of this Agreement carefully and ensure that you have read and fully understood the meanings of all terms and conditions.

If you use the Service provided by the Platform on behalf of a company, you hereby undertake to the Platform and the Company that you have the right to represent the company and that your acceptance of this Agreement will be automatically deemed as the acceptance of this Agreement by the company you represent.

The obligations to which the Platform draws Users’ special attention in a reasonable manner will be highlighted in bold letters this Agreement, to ensure that the Platform Users can fully understand this Agreement.

Please take note that no matter whether or not you have carefully read this Agreement before purchasing the Service as specified herein, by clicking on “I have read and agreed to“User Agreement” below the main body of this Agreement and successfully registering as a Platform User according to the registration procedures, you confirm that you have agreed to and signed this Agreement.

1. Definitions

1.1 Unless otherwise specified herein, “BabelFinance” refers to BabelFinance Limited and its affiliates, including the website BabelFinance run by it and its associated websites and mobile APP platforms.

1.2 Unless otherwise specified herein, “Platform User” (or “you” or “User”) refers to an individual or enterprise that accesses, uses, registers on, or otherwise has an association with BabelFinance.

1.3 “User Registration” refers to the process whereby you fill in and confirm relevant information in the way provided by and according to the requirements of the Platform and agree to comply with the relevant User Agreement. You will obtain the BabelFinance Account, through which you may use a part of services of the Platform, immediately after the User Registration. You may obtain the BabelFinance Account for more services upon further application and authentication of the Platform. Please refer to the tips on the specific manner of authentication on the website of the Platform.

1.4 “BabelFinance Account” refers to the payment account that you obtain after completing the User Registration, binding the email and passing the authentication of the Platform and with which you use the Digital Currency Transaction service of the Platform, and the Platform will distribute the corresponding digital address to different kinds of Digital Currency in each account.

1.5 “Digital Currency” refers to an Internet virtual currency which is created, distributed and maintained by means of the password and validation technologies rather than any material objects. The Digital Currencies available for trading on the Platform include but are not limited to USDT, BTC, ETH and other Digital Currencies recognized by the Platform.

1.6 “Digital Currency Transaction” refers to the transaction that the User trades the Digital Currency assets and conducts the lending activity of the Digital Currency assets through the Platform as well as capital and currency financing of the Digital Currency assets.

1.7 “Deposit” refers to the transfer of the Digital Currency to the corresponding Digital Currency address of his/her BabelFinance Account by the User.

1.8 “Withdrawal” refers to the withdrawal of the Digital Currency assets in his/her own BabelFinance Account by the User to the Digital Currency address not in the Platform. Unless such Digital Currency address is not available, in case of in compliance with the requirement of Withdrawal hereunder, the Platform, within a reasonable period after receipt of the instruction of Withdrawal, will transfer the relevant Digital Currency assets to the Digital Currency address as provided.

2. Nature and Establishment of the Agreement

2.1 This Agreement is an agreement between you and BabelFinance which is established and comes into effect with respect to your use of the Service provided by BabelFinance.

2.2 You guarantee that you have the full capacity for civil rights and civil conduct as specified by the laws in effect at the time of conclusion of this Agreement. If you do not meet the conditions as specified in this Article, please do not register. Otherwise, the Platform has the right to suspend or terminate your User qualifications at any time, and you and your guardian shall assume all consequences arising from your activities on the Platform in accordance with the laws.

2.3 Any individual, legal person or other organization has the right not to accept this Article, and to refuse to access, use, register on or otherwise have an association with BabelFinance. By accessing, using, registering on or otherwise having an association with BabelFinance, any individual, legal person, other organization or Platform User accepts and agrees to be bound by this Agreement, and reaches an agreement with BabelFinance on the establishment and entry into force of this Agreement.

2.4 By using any new product or service, or any new or enhanced function of the Service launched by BabelFinance, you accept and agree to be bound by this Agreement.

2.5 This Agreement includes all terms and conditions hereof and all rules that have been or may be issued by the Platform in the future. All rules shall be an integral part of this Agreement and have the same legal effect as the main body of this Agreement.

3. User Account

3.1 BabelFinance will give you a User account after you have successfully registered on BabelFinance according to the registration procedures. You may set a password for your User account, and shall be responsible for the safekeeping of your User account and password.

3.2 You shall provide the Website with registration materials under the principle of good faith, and agree that the registration materials provided are true, accurate, complete, legal and valid. You shall update you registration materials in a timely manner in case of any changes thereto.

3.3 You shall assume the legal liability for all activities and events that occur under your User account.

3.4 You shall keep and use your User name and password in a reasonably prudent manner. You shall assume any losses arising from the leakage or unauthorized use of your User account or password by others for reasons not attributable to the Platform.

3.5 Unless otherwise specified herein, the rights that you obtain under the Service based on your User account cannot be transferred, donated or succeeded.

3.6 The BabelFinance member name set by you shall not violate relevant laws and regulations, as well as the management provisions of BabelFinance rules concerning the member name. Otherwise, BabelFinance may directly take back your BabelFinance member name without your consent.

3.7 To apply for cancellation of a User account, you shall ensure that the account to be canceled is owned by yourself and shall cancel the account according to the procedures specified by BabelFinance. The User account cannot be recovered once canceled. You accept and agree that all User information will be deleted by the Platform after your User account is canceled.

3.8 If you fail to use your User account for 36 successive months after the registration on BabelFinance, BabelFinance shall have the right to cancel the User account and delete all information related to the User account 36 months after the registration of the account.

4. Service Content

4.1 The Platform provides you with the Service concerning the Digital Currency investment activities. You may obtain benefits by mortgaging your blockchain assets through the Platform or by depositing your blockchain assets (including USDT and other Digital Currency assets recognized by the Platform) onto the Platform, and conduct the P2P transactions of Digital Currencies through the Platform.

4.2 You have the right to browse the real-time quotations and transaction information of Digital Currencies on the Platform, and submit Digital Currency Transaction instructions and complete the transaction through the Platform.

4.3 You have the right to check the information under your account, the transaction records and transaction details of your account on the Platform.

4.4 You have the right to participate in activities organized by the Platform according to the activity rules published by the Platform.

4.5 Other services provided by the Platform for Users.

5. Rules for Users

5.1 You must not transfer to, lend to or share with any third party your User account or password. If you find that your account has been illegally used by others, you shall immediately notify the Platform and modify the User password. BabelFinance will not take any responsibility for the unauthorized use by others of your User account or password which is caused by hacking or negligent password keeping.

5.2 You agree that BabelFinance has the right to publish various commercial advertisements or any other types of commercial information in the process of providing the network service (including but not limited to publishing advertisements on any page of the BabelFinance website), and you agree to accept the product promotion or other relevant commercial information sent by BabelFinance by email or otherwise.

5.3 You undertake that, in the process of using the Service provided by the Platform, you shall observe the following rules:

5.3.1 Observe all relevant laws, regulations or other provisions applicable to this Agreement;

5.3.2 Observe all agreements, terms, provisions and procedures published by the Platform;

5.3.3 Guarantee the legal source of all Digital Currency assets in the account;

5.3.4 Restrain from using the network service system for any illegal purposes;

5.3.5 Restrain from infringing upon the commercial interests of the Platform by using the Service of the Platform in any way, including but not limited to publishing commercial advertisements not approved by the Platform;

5.3.6 Restrain from conducting any acts that may cause an adverse effects on the normal operation of the Internet or mobile network by means of the Service or system of the Platform;

5.3.7 Restrain from interfering with the normal operations of the Digital Currency Transaction service of the Platform in bad faith or damaging the transaction order;

5.3.8 Restrain from interfering with other Users’ normal use of the Service of the Platform in any technical means or otherwise;

5.3.9 Restrain from infringing upon the copyrights, trademarks, patents, privacy rights, reputation rights, or any other lawful rights and interests of any third parties;

5.3.10 Restrain from conducting any act that goes against BabelFinance by means of the Service or system of BabelFinance;

5.3.11 Immediately inform BabelFinance if finding any unauthorized use of the User account or any security vulnerabilities in the account; and

5.3.12 Carefully read all transaction information published by the Platform when using the Service provided by the Platform, including but not limited to the information on type, price, buy-in direction, quantity, period, etc. of the Digital Currencies.

5.4 BabelFinance has the right to examine and supervise your use of any Service of BabelFinance (including but not limited to examination on the contents stored by you on BabelFinance). If you violate any of the aforesaid provisions when using the network service, BabelFinance or its authorized person shall have the right to request you to make correction or directly take all the necessary measures (including but not limited to modifying or deleting the contents prepared by you, suspending or terminating your right to use BabelFinance) to minimize the effects caused by your improper act and BabelFinance will not take any responsibility therefor.

5.5 In the processing of providing the network service, BabelFinance may make other statements, notices, warnings, or rules by a variety of ways (including but not limited to webpage announcements, email and SMS reminder) and the contents of such statements, notices, warnings, or rules shall be deemed as an integral part of this Agreement. By continuing accessing, using, registering on or otherwise having an association with BabelFinance, you accept and agree to be bound by such statements, notices, warnings or rules.

6. Deposit and Withdrawal

6.1 In order to safeguard the assets of the Platform User, the Platform User acknowledges and agrees to comply with the following rules with respect to Deposit and Withdrawal:

a) the frequency of Withdrawal for each account is 5 times/day;

b) the upper limit of a single Withdrawal in the Platform is the Digital Currency equivalent to USD 100,000 at the application of the Withdrawal, and the lower limit of a single Withdrawal is the Digital Currency equivalent to USD 1,000 at the application of the Withdrawal;

c) the real time price of the Digital Currency in the Platform is subject to the current price updated by Binance;

d) in respect of the request of Withdrawal by Platform User which is not compliant with the preceding rules, the Platform is entitled to directly reject such request.

6.2 The Platform User is aware of, and agrees that the Withdrawal is not available in BabelFinance Account when

a) the relevant Digital Currency assets in the BabelFinance Account have been pledged by the Platform User;

b) the relevant Digital Currency assets in the BabelFinance Account have been paid as security deposit by the Platform User;

c) the relevant Digital Currency assets in the BabelFinance Account have been frozen due to breach of contract by the Platform User against BabelFinance;

d) the relevant Digital Currency assets in the BabelFinance Account have been required to be frozen by the relevant authority.

6.3 Fees and Tips

a) The Platform User is aware of, and agrees that the Platform is entitled to fees at a rate of 0.1% for the Withdrawal service provided to the Platform User. Meanwhile, the Platform is entitled to a direct deduction of such fees at the time of Withdrawal by the Platform User.

b) The Platform User may inquire of the Withdrawal service fess that have been charged within [1] year from the commencing date of the service.

c) The Platform User is aware of, and agrees that, when the Withdrawal or other chargeable services are provided to the Platform User, the Platform may not remind the Platform User of the fees payable in connection therewith, and the Platform User shall calculate the service fees payable by himself/herself in accordance with the rules and the relevant scale of fees.

d) The Platform User is aware of, and agrees that, unless the sufficient and contrary evidence that proves an error existing in the records of the Platform is furnished by the Platform User, the Platform User acknowledges the record of use, transaction amount and service fees payable arising from his/her use of the BabelFinance are subject to the records of the Platform.

7. Intellectual Property Rights

7.1 The Service provided by BabelFinance and any BabelFinance text, photo, graphic, audio and/or video materials are protected by laws concerning copyrights, trademarks and/or other intellectual property rights and property ownership rights. Without the consent of the relevant obligees, such materials shall not be published, broadcast, or rewritten or republished for broadcast or publication directly or indirectly in any medium or used for any other commercial purposes. BabelFinance will not be held liable to the Platform User or any third party in any way for any delays, inaccuracies, errors or omissions in its materials or in the transmission or delivery of all or any part of its materials or for any damages arising from any of the foregoing.

7.2 All rights over any software used by BabelFinance for providing the Service (including but not limited to any pictures, photos, animations, videos, recordings, texts, additional programs and attached help materials) shall be possessed by the copyright owner of the software. Without the permission of the copyright owner of the software, you shall not conduct reverse engineering, decompilation or disassembly to the software.

7.3 “BabelFinance” is the trademark of the Platform. Without the written authorization of the Platform, any User or any third party shall not use such trademark or seek any commercial interests by means of such trademark.

7.4 BabelFinance will fulfill the duty of reasonable care in the protection of the Internet intellectual property rights. If having a reason to believe that you have obviously infringed upon any third-party intellectual property rights or receiving any third-party claim or complaint about the intellectual property rights, BabelFinance shall have the right to take measures against such allegedly infringing contents such as deletion, screening or disconnection of the Service at any time without prior notice and any responsibility to you.

8. Privacy Protection

8.1 BabelFinance respects the privacy of the Platform User. Protecting the privacy of the Platform User is a basic policy of BabelFinance.

8.2 For more information about BabelFinance’s privacy protection, please refer to the “Privacy Notice” of BabelFinance.

8.3 The “Privacy Notice” of BabelFinance serves as an integral part of this Agreement. By accepting this Agreement, you accept and agree to be bound by the “Privacy Notice”.

9. Anti-Money Laundering

9.1 BabelFinance observes and implements the provisions of international anti-money laundering laws, as well as a clients’ identity identification system, a preservation system of clients’ identity materials and transactional records, and a reporting system of large sum transactions and any doubtful transactions.

9.2 When registering or reporting the loss of the login account, login password or transaction password, you shall provide the identity information required by the Platform (including but not limited to telephone and contact information). BabelFinance will identify and verify the identity information uploaded by you. If BabelFinance has a reasonable reason to doubt that you use a false identity or use another person’s identity to register or conduct operations on the Platform, it shall have the right to refuse the registration, stop the Service or cancel the registered account.

9.3 BabelFinance will keep the records on large sum transactions and transactions suspected of involving money laundering. BabelFinance, at the request of relevant regulators, has the right to provide the records on large sum transactions and transactions suspected of involving money laundering to the regulators.

9.4 BabelFinance will keep the User information and records on large sum transactions and doubtful transactions, and will cooperate and assist the juridical and administrative authorities to crack down on money laundering activities.

10. Risk Disclosure

10.1 You understand that the Digital Currencies are not issued by any financial institution or company or the Website.

10.2 You understand that most of the Digital Currencies are used by investors, while few of them are used in the retail and business markets. The Digital Currency Transactions are highly risky and may proceed uninterruptedly in 24 hours a day, without price limits and the prices may fluctuate sharply due to being vulnerable to government policy and other factors.

10.3 You understand that the Digital Currency Transaction may be suspended or prohibited at any time due to formulation of or amendment to laws, regulations and normative documents of each country and you shall assume any losses arising therefrom.

10.4 You understand that investments in Digital Currencies may result in part or all of the loss, so you should decide the amount of investment to the extent of affordable loss.

10.5 You understand that, apart from the above risks, there also exist other risks not referred to herein or unforeseen in the Digital Currency Transactions. You should carefully consider and make a clear judgment to evaluate your financial condition and the above risks before making any decision on the purchase or sale of the Digital Currencies, and assume any losses arising therefrom. The Platform will not take any responsibility therefor.

10.6 You understand and agree that, for the purpose of this Agreement, the Platform has the right to directly deposit part or all of your Digital Currencies pledged or stored on BabelFinance with a Digital Currency exchange according to the agreement between you and the Platform, without your prior consent.

10.7 You understand and agree that, when your Digital Currencies pledged or stored on the Platform hit the open line as agreed upon between you and the Platform, the Platform has the right to directly dispose of all or part of your Digital Currencies deposited with the Digital Currency exchange according to the agreement between you and the Platform, without your prior consent, to make up the loss of the parties.

11. Disclaimer

11.1 You explicitly agree that you shall use the Service provided by BabelFinance at your risk, and assume any consequences arising therefrom. BabelFinance disclaims any responsibility to you.

11.2 BabelFinance makes no warranty that the network service will undoubtedly meet your requirements or the network service will not be interrupted or warranty as to the timeliness, security and accuracy of the network service.

11.3 BabelFinance makes no warranty as to the accuracy and integrity of external links set to provide convenience for you. Meanwhile, BabelFinance also disclaims any responsibility as to the contents of any webpages to which such external links point and which are not actually controlled by BabelFinance.

11.4 BabelFinance is not liable for the interruption of the network service or other defects due to Force Majeure or other reasons beyond BabelFinance’s control, provided that BabelFinance will use its best efforts to minimize the loss and effect caused to you.

11.5 You agree and accept that, except as provided in this Agreement, BabelFinance is not liable for the following events or circumstances which cause any loss to you:

11.5.1 Theft, unauthorized use or reduction of funds (if any) of your User account due to the fact that you failed to properly keep your User account or revealed your User password to others, or shared your User account with others and any legal disputes or consequences arising therefrom;

11.5.2 Any legal disputes or consequences arising from hacking, intrusion or outbreak of computer viruses;

11.5.3 Any legal disputes or consequences arising from government control, equipment damage or other circumstances that affect the normal operations of network;

11.5.4 Any legal disputes or consequences arising from other websites linked to BabelFinance;

11.5.5 Suspension, interruption or termination of the Service due to any legal claims filed by any third party;

11.5.6 Any legal disputes or consequences arising from any entities other than BabelFinance.

12. Change, Interruption or Termination of the Service

12.1 You know and accept that, BabelFinance needs to conduct repairs or maintenance to the Platform providing the network service (such as the Internet website and mobile network) or related equipment on a regular or irregular basis. Where the Service is interrupted within a reasonable period of time under such circumstance, BabelFinance will not take any responsibility therefore, but it will make a prior announcement as far as possible.

12.2 You acknowledge that, given that the Digital Currency Transactions are highly risky and proceed uninterruptedly in 24 hours a day, without price limits and the prices easily rise or drop sharply, in case of any sharp rise or drop of the prices of Digital Currencies in the period of interruption or suspension of the Service provided by BabelFinance under this Agreement, you shall not file any claims against BabelFinance due to system failure during such period.

12.3 Under any of the following circumstances, BabelFinance has the right to suspend or terminate the provision of the network service hereunder to you at any time and delete your User account, without any responsibility to you or any third party.

12.3.1 The information provided by you is untrue;

12.3.2 You violated any provisions of this Agreement;

12.3.3 The registered User name violated the laws and regulations of the People’s Republic of China;

12.3.4 The registered email address is deemed invalid;

12.3.5 Such suspension or termination is required by the government, administrative or juridical authorities.

12.4 Where you are unable to use the Service provided by BabelFinance due to interruption thereof under any of the following circumstances, BabelFinance will not take any responsibility:

12.4.1 System or equipment repair or maintenance by BabelFinance under Article 12.1 hereof;

12.4.2 Failure to transmit data due to the faults of telecommunication equipment;

12.4.3 Interruption or delay of the Service resulting from hacking, technical adjustment or faults of the telecommunications department, website upgrading, or other reasons not attributable to BabelFinance;

12.4.4 Failure by BabelFinance to provide the Service as a result of Force Majeure such as typhoon, earthquake, tsunami, flood, power failure, war, terrorist attack or government action.

13. Compensation for Damages

13.1 Unless otherwise specified herein, where BabelFinance causes any loss to you due to violation of relevant laws, regulations or any provision of this Agreement, BabelFinance shall be liable for compensation for the actual loss incurred therefrom.

13.2 The Platform has the right to request you to compensate BabelFinance for any losses arising from the untrue, inaccurate or incomplete information provided by you (including but not limited to direct and indirect losses, as well as attorney fees, travel expenses, accommodation fees, court costs, arbitration costs, and preservation fees incurred by BabelFinance from protecting its own rights and interests).

13.3 You shall use your best efforts to protect and maintain the interests of BabelFinance and other Users. If you cause any loss to BabelFinance or any third party due to violation of relevant laws, regulations or any provision of this Agreement, you shall be liable for compensation for damages, including but not limited to direct and indirect losses of BabelFinance, as well as attorney fees, travel expenses, accommodation fees, court costs, arbitration costs, and preservation fees incurred by BabelFinance from protecting its own rights and interests.

14. Special Notes

14.1 You must equip the necessary equipment to access the Internet and use the value-added telecom services, and assume the communication fees, message fees and other relevant expenses incurred from the access to the Internet or charged by third parties (including but not limited to the telecommunications or mobile communications service provider). If you receive the value-added telecom services, BabelFinance suggests that you confirm relevant expenses with the service provider.

14.2 The webpages of BabelFinance may contain links to other webpages, advertisements, etc. and BabelFinance will take no responsibility for the contents and privacy policy of any other websites and the behavior of companies running or operating such websites. Before clicking on the links provided by these websites, you should carefully consider to protect your own rights and interests and safety.

15. Amendment to the Agreement

15.1 BabelFinance has the right to update the content of this Agreement at any time, without further notice. BabelFinance will publish the amended Agreement (hereinafter referred to as the “Amended Agreement”). In case of any discrepancies between the Amended Agreement and the original Agreement, the former shall prevail. You may log onto BabelFinance at any time to check the latest User Agreement.

15.2 If you disagree to the amendment to this Agreement, you may refuse to access, use, register on or otherwise have an association with BabelFinance. By accessing, using, registering on or otherwise having an association with BabelFinance after the amendment to this Agreement, any individual, enterprise or Platform User accepts and agrees to be bound by to the amendment to this Agreement, and reach an agreement with BabelFinance on the establishment and entry into force of the Amended Agreement.

16. Service of Notice

16.1 Under this Agreement, the Privacy Notice and other statements, notices, warnings and rules of BabelFinance, any notices from BabelFinance can be severed to you by any of the following means: webpage announcement, email, SMS or regular letter. Any such notices shall be deemed as having been served to the recipient from the date of sending.

16.2 Any notices from you shall be severed to BabelFinance according to the mailing address, fax number, email or other contact information formally published by BabelFinance.

17. Governing Law and Jurisdiction

17.1 The establishment, effectiveness, performance and interpretation of this User Agreement and the settlement of disputes hereunder shall be governed by Hong Kong laws.

17.2 Where any provision of this User Agreement becomes invalid due to any conflicts with the applicable laws, it shall not affect the validity of the remainder hereof.

17.3 Where the parties fail to settle any disputes arising out of or in connection with this User Agreement through negotiation, either party shall have the right to submit such disputes to HKIAC.



BABEL Limited
Date: 2018.08.01