Before using the services provided by the Technology Developer (Polixir Technologies Co., Ltd. and the related operational units of its related services that may exist, hereinafter collectively referred to as "the Technology Developer”), the users (i.e., the individual or organization that registers, logs in or uses the service) shall read this User Agreement (hereinafter referred to as "the agreement”) carefully. It is deemed that the user has understood and explicitly agreed to the contents of this agreement as soon as they log in or start to use the Software or services provided by the Technology Developer, and this agreement immediately takes legal effect between the user and the Technology Developer. All activities after the user log in and start to use the service of this product shall be bound by this agreement and they shall bear corresponding responsibilities and obligations. For any user that does not agree with any of the content in this agreement, please stop using any of the services provided by the Technology Developer immediately.
According to the law of the People's Republic of China, as well as the related agreements between the Technology Developer and its cooperative partners, the user must have explicitly authorized the Technology Developer’s cooperative partner (hereinafter referred to as "the partner"), as well as to authorize and entrust the Technology Developer and its affiliated companies to query, verify and store the user’s personal information through the official or related real-name authenticated platform, credit information platform, and other related platforms, and to output that information to partners as the evaluation and reference of user’s individual credit.
The user understands and agrees that the specific content of the authorized query, verification, storage, and output shall be subject to such information demanded by the partner, as well as the Technology Developer and its affiliates. The Technology Developer and its affiliates will process (Including but not limited to the encryption or mask processing for protecting the user's personal information, as well as all necessary processing for realizing the target of related agreements) the related personal information within the authorized scale and provide to the partner to use. However, the user’s disputes with the partner regarding the effectiveness, content, scale and period, etc. of authorization are irrelevant to the Technology Developer. If the user has any objections or disputes regards the above authorization matters with the partner, they should immediately stop using all the services provided by the Technology Developer.
If the user starts to use this service, it indicates they have expressed that they have no factual or legal objections or disputes regarding the inquiry, verification, processing, storage, and use of their personal information by the partner, Technology Developer, and its affiliates within the agreed scope, as well as other related matters such as the validity of authorization, the content of verification query, the verification query platform, processing method, scope of use, etc.
Taking the fact that the user must authorize the partner and be informed of this service by the partner before they can enter, log in and use the service, an legal, sufficient, necessary, irrevocable authorization is considering existing between the user and the Technology Developer as soon as they log in or use this service. The user has also been clearly aware of the adverse effect, such as the negative credit evaluation, etc., which might be caused by the relevant information they authorized.
In order to protect the user's personal information, the Technology Developer will take reasonable measures to remain the user's information strictly confidential. At the same time, the company will also urge and demand their specific partner to remain such information strictly confidential. Without the user’s prior authorization, the Technology Developer and its affiliates will not provide the user’s information to any other party.
If the user violated any behaviors specified in this agreement, based on reasonable judgment, the Technology Developer has the right to unilaterally restrict, suspend or terminate providing this service to such use at any time without prior notice, and remains the right to ascertain the relevant responsibilities of the user.
This agreement is an agreement between the user and the Technology Developer upon the user’s use of this service.
2.1 Scope of License. The Technology Developer grants the User a personal, non-transferable, and non-exclusive license to use the Service; if the Transaction Documents do not specify the term/term of the license granted under the Agreement, the term/term is from the date the software is delivered to the User One (1) year. For the avoidance of doubt, the User shall not allow any third party (other than those explicitly identified as Licensed User in the Transaction Documents) to access or use the Software without the prior written consent of the Technology Developer, and the User shall be liable for any such unauthorized use.
All other intellectual property rights not explicitly authorized by this article and other terms of this agreement are still reserved by the Technology Developer. If the Technology Developer fails to exercise any of the aforementioned rights, it does not constitute a waiver of such rights.
2.2 Licence Restrictions.
In order to use this service, the user may have to input their personal information for login and use. The user is clearly aware that the account provided to the Technology Developer is only for the use of the user him/herself. Otherwise, the user might constitute a violation of the rights of other users and parties. The user promises and agrees that using the same device, the same ID number, or account number to use this service under this agreement will all be deemed as the user's own behavior.
The user shall keep their own device, identity documents, and account information properly, they shall also be careful to provide the device, identity documents, and account information to others, so as to use such materials of others. The Technology Developer shall not and will not bear any legal responsibility if the user violates this agreement and causes losses to others. If the user causes losses to the Technology Developer, such losses suffered by the Technology Developer shall all be wholly borne by the user.
The user shall fill in and submit the materials for account registration and authentication truthfully for completing the information registration. The user shall take responsibility for the authenticity, legality, accuracy, and validity of such materials. Based on the account information filled and submitted by the user, the Technology Developer will display the user’s registration information to third parties within the scope permitted by the law. If the service or content provided by the user shall acquire permits, filings, or related legal qualifications according to relevant laws and regulations, the user shall declare and submit the corresponding permit, filings, and qualifications when registering and verifying the account. Otherwise, the Technology Developer has the right to refuse or stop providing this service, and conduct penalties to the illegal accounts according to this agreement. If caused related damages to the Technology Developer and the third party, the User shall make compensation according to the law.
The user understands and agrees that:
1. The account used by the user for participating in this service shall be solely used, maintained, operated by such user, and they shall bear the whole responsibility;
2. The Technology Developer develops independently and solely possesses the legal rights such as the intellectual property rights of this service technology interface, etc. The user only uses it within the scope of this service;
3. For any disputes, responsibilities, etc. caused by the user, as well as any consequences caused by the user or the user's violation of the relevant laws and regulations of this agreement, the user shall solely bear the responsibility and compensate for the loss, which is irrelevant to the Technology Developer. If the rights of the Technology Developer or others are infringed, the user shall bear all responsibilities and compensate for all losses.
If a user obtains this service or an installer with the same name as this service from places other than the technical developer partner or the technical developer’s partner, the technical developer cannot ensure that the application or service can be used normally and bears no responsibility for the user’s possible losses caused by that reason.
In order to enhance the user’s experience, perfect the service content, the Technology Developer will continue to put efforts into providing updates of applications or services to the user (such updates may include the forms of the substitution of application or service, modification, function enhancement, version update, etc.).
In order to improve the user’s experience, and to maintain the consistency of the safety and functions of the service, the Technology Developer has the right to update the application or service, modify or limit partial functions of the application or service, without giving specific notice to the user.
Protecting the user's personal information is a basic principle upheld by the Technology Developer. The Technology Developer will take reasonable measures to protect the user's personal information. Other than the circumstances with the authorization of laws and regulations and the user, the Technology Developer will not publish or disclose the user’s personal information to any third party without the user’s prior permission.
The user may have to fill in some necessary when logging in or during the use of this service. If such information is not truthful or complete, this service may not be used normally.
Generally, the user can browse, and modify their submitted information at any time, however, considering the safety and identity verification, the user may not modify the initial registration information and other verification information provided in the registration.
The Technology Developer will protect the user’s personal information from unauthorized access, usage, and disclosure by establishing a thorough scheme consisting of various safety technologies and programs.
Scope of Authorization:
1. Grant the free use of the software for non-commercial applications.
2. The User fully understands and agrees that when using this service, the related permissions, interfaces and device information of the user’s terminal may be demanded for realizing the corresponding functions.
3. The user can choose not to provide certain information to the Technology Developer, which may lead to the failure in realizing some functions of this service.
4. In order to achieve the purpose of this agreement and to provide partners and users with better and safer services, the user agrees and explicitly authorizes the Technology Developer and its affiliates to inquire, verify, store, process and handle the user's personal information within the agreed scope of use (provide to the partner that authorized by the user for credit evaluation on the user and other reference usages). The Technology Developer and its affiliates will keep the user's personal information strictly confidential. The authorization under this agreement is an irrevocable authorization.
5. The user is aware of and explicitly authorizes the Technology Developer and its affiliates to let the third-party credit information agencies or data agencies query, verify, and review the user’s information entrusted by the partner in accordance with relevant laws and regulations. The aforementioned information includes but is not limited to the basic personal information, feature information (including but not limited to the ser's untrustworthy information from the court, the untrustworthy information on the Internet, whether the user has used the communication trumpet and suspicious equipment, etc.), associated information (i.e., the associated relationship between the user's ID information, phone number, mobile device and bank card, which are used to determine whether the user information is abnormal, such associated relationship does not involve sensitive information of a specific individual), public utility information, personal network data and other relevant user information that the partner needs to verify or refer to. The specific inquiries, verification and reviewing information of the Technology Developer are ultimately based on such information that is demanded or actually used by the partner.
6. The information obtained by the Technology Developer shall only be used in the partner’s duty that related to personal credit evaluation etc. among the user and partner. The Technology Developer and its affiliates shall provide such obtained information to that partner. Otherwise, without the prior permission by the user, the Technology Developer and its affiliates shall not and will not leak, disclose or provide the user’s information to other institutions and individuals.
Users Prohibited Actions
Other than legally allowed or with the written permission by the Technology Developer, the user is prohibited from the following actions:
1. Prohibit the use of the software or the documents for any commercial application, unless obtained and permitted by valid commercial contracts.
2. Delete the copyright information on this service and its duplicates;
3. Conduct reverse engineering, disassembling, decompiling on this service, or try to find the source code of this service through any other means;
4. Use, rent, duplicate, borrow, copy, modify, link, repost, compile, compose, disclose or publish content of the copyrights possessed by the Technology Developer;
5. Modify or falsify the instructions and data during the operation of the application or service, add, delete or change the function or operation effect of the application or service, or operate and disseminate the applications and services based on the above-mentioned usages, whether or not these actions are for commercial purposes;
6. Interfere this service and its components, modules, data, etc. on its own, by authorizing others, or by using third-party applications or services;
7. Launch content that contains software viruses, worm viruses, or other harmful code;
8. Imply or declare that you are affiliated with the company or recognized by the company without the explicit permission of the company. For example: declare that you are a verified engineer in the company;
9. Publish, deliver, disseminate, store the content that violates the national laws and regulations;
10. Other acts that are not explicitly authorized by the Technology Developer.
The user fully understands and agrees to take responsibility for their own acts, the users shall take responsibility for their authorizations to the cooperative partners (including but not limited to the method, content and period of authorization, etc.) and the relevant acts under their account. The Technology Developer will urge the partner to keep the user's information strictly confidential after obtaining the user's authorization for inquiring, verifying, or using their relevant information. However, the user shall make their own judgments on the content that could be contacted by this service. If there are any objections or disputes about authorization-related matters and information security, the User shall stop using this service immediately.
The Technology Developer cannot and will not take any responsibility for any disputes between the user and the partner. For those users who failed to stop using this service immediately, the Technology Developer takes no responsibility for any risks and losses caused by the reasons that are irrelevant to the Technology Developer.
The Technology Developer is the owner of the intellectual property right of this service. The intellectual property rights of this service, such as the copyrights, trademarks, patents, trade secrets, etc., as well as all content related to this service (including but not limited to text, pictures, audio, video, graphics, interface design, layout framework, related data or electronic documents, etc.), are protected by the laws and regulations of the People's Republic of China and corresponding international treaties. The Technology Developer holds the above-mentioned relevant intellectual property rights according to law, except for the relevant rights that shall be held by relevant right holders in accordance with the law.
Without the written permission of the Technology Developer and the relevant right holders, the user shall not, for any commercial or non-commercial purpose, permit or permit any third party to implement, utilize, or transfer the above intellectual property rights.
The user understands and agrees that this service is just like many other applications and services on the internet, that it could be influenced by multiple factors (including but not limited to factors of the user, the network service quality, social environment, etc.); as well as the interference of many safety issues (including but not limited to the illegal use of user’s data for physical harassment; viruses, Trojan horse programs or other malicious programs that may be contained in other applications or services downloaded or installed by the user or other websites they visited, which could threaten the information and data safety of the user’s terminal and thereby further affecting the normal use of this service, etc.). Therefore, the user shall reinforce the awareness of information safety and the protection of personal information, and pay attention to password protection to avoid losses. When the above situation occurs, the Technology Developer will try their best to cooperate with the relevant parties as soon as possible to repair it in time, but for the loss caused to the user, the Technology Developer’s responsibility is exempted within the allowed scope of the law.
The user shall not produce, publish, use, or disseminate malicious programs that are used to steal Technology Developer’s account and other people's personal information and property.
Maintaining the safety and normal use of applications or services is the joint responsibility of the Technology Developer and the user. The Technology Developers will take necessary technical measures to protect the information and data safety of the user’s terminal in a reasonable and prudent manner in accordance with industry standards.
Within the allowed scope of the law, the Technology Developer bears no responsibility for service interruption or obstruction caused by:
1. Damaged by computer viruses, Trojan horses, or other malicious programs or hacker attacks.
2. Malfunctions of the computer software, system, hardware, and link of the Technology Developer and the user.
3. The user’s improper operation.
4. The user’s using of this service through the means that are unauthorized by the Technology Developer.
5. Other situations that the Technology Developer cannot control or foresee.
"Force majeure" refers to an objective incident that occurs after the signing of this agreement and cannot be foreseen, nor to be avoided, or overcome by the affected party. Such incidents include but are not limited to floods, fires, droughts, typhoons, earthquakes, and other natural disasters, strikes, riots, wars, acts or omissions of government departments, adjustments to laws, regulations, or policies, and changes to data sources (including but not limited to the alternation of the service content and form), domestic data paralysis, hacker attacks, intrusion of a computer virus, an outbreak of a new virus, server inaccessibility caused by network interruptions due to telecommunications operator problems, power outages, system failures, transmission lines, communication failures and other technical factors that cannot be controlled by the Technology Developer. Failure in fulfilling or partially fulling this agreement due to the influence of force majeure shall not be considered a breach of agreement, the relevant parties shall not be liable for a corresponding breach of the agreement.
1. Confidential information. Either party (the "Disclosing Party") may from time to time disclose or provide to the other party (the "Receiving Party") confidential or proprietary information (including the Disclosing Party's confidential or proprietary information of third parties). "Confidential Information" means any and all information, in any form, provided by the Disclosing Party to the Receiving Party in the course of the performance of the Agreement and which has (i) been marked as confidential; or (ii) would be considered by ordinary people in similar circumstances Confidentiality. For the avoidance of doubt, Confidential Information includes any product and any information related to that product (including, without limitation, any user manuals, mathematical techniques, related analyses, concepts, designs, specifications, lists, and other documents, whether or not embedded in equipment or other forms of the medium). Notwithstanding the foregoing, Confidential Information (although marked as confidential) shall not include any information that the recipient may indicate to be either: (a) generally available to the public not due to the recipient's breach of the Agreement; (b) in the Disclosing Party has previously disclosed to the Receiving Party that it is known to the Receiving Party; (c) is received from a third party and does not violate any duty of confidentiality to the Disclosing Party or other rights of the Disclosing Party, or (d) the Receiving Party does not rely on the developed independently of any confidential information received by the disclosing party.
2. Protection of confidential information. Any party or third party that has disclosed Confidential Information retains title to its Confidential Information. Neither party shall disclose the other party's confidential information to anyone. Each party agrees to take appropriate steps to protect the other party's Confidential Information to a degree no less than that of its own Confidential Information.
3. The recipient can only disclose confidential information to employees, agents, or subcontractors who must know the information and have a confidentiality obligation no less than that specified in this agreement. Unless otherwise authorized by the other party, each party may use the other party's Confidential Information only for the purpose of performing this Agreement. However, one party may disclose the other party's confidential information in legal proceedings or as required by law.
1. The user understands and agrees that it shall be liable for any third-party claims arising from your use of the service, violation of these terms of service, or any actions taken under your account. If the technology developer and its affiliates, employees, customers, and partners are claimed by a third party due to this, the user shall be responsible for handling and compensating the technology developer and its affiliates for all losses and liabilities suffered thereby.
2. Liability is excluded. In no event shall either party or its affiliates be liable to the other party for indirect or consequential loss or damage arising out of or in connection with this Agreement, or for any revenue, profit, opportunity, loss of a customer, goodwill, reputation, data or data use damages. Even if one party or its affiliates has been advised of or has become aware of the damage or the possibility of loss that may be caused by the other party.
1. Term. This Agreement shall take effect immediately and shall continue in effect unless terminated.
2. Termination. The terms of service shall be terminated when the user's account is unregistered or the service is terminated by mutual agreement.
1. The establishment, entry into force, performance, interpretation, and dispute resolution of this agreement shall be governed by the laws of the People's Republic of China.
2. If there is any dispute or dispute between the user and the Technology Developer, it should be settled through friendly negotiation first; if the negotiation fails, it will be submitted to the Nanjing Arbitration Commission for arbitration.
The user's use of this service is deemed that the user has read and agreed to be bound by this agreement. The Technology Developer has the right to modify the terms of this agreement when necessary, and the user can check the relevant agreement terms in the latest version of this service. After the terms of this agreement are modified, the user’s continuous logging in and use of this service shall be deemed that the user has accepted the modified agreement. If users do not accept the modified agreement, they should stop using this service.
The headings of all the terms of this agreement are for the convenience of reading, all of which have no actual meaning, and cannot be used as the basis for interpreting the meaning of this agreement.
If the provisions of this agreement become invalid or cannot be executable for no matter what reasons, the other provisions remain valid and binding for both parties.
If you need to consult common problems, please reach us through the emails and phones disclosed in the website.
用户（即注册、登录、使用本服务的个人或组织），在使用技术开发方【南栖仙策（南京）科技有限公司相关服务可能存在的运营关联单位，以下统称“技术开发方”】提供的各项服务之前，应仔细阅读本《用户协议》（以下简称“本协议”）。用户一旦登录或使用技术开发方的软件或服务，即视为用户已了解并明示同意本协议各项内容，本协议立即在用户与本技术开发方之间产生法律效力。用户登录、使用本产品服务的全部活动将受到本协议的约束并承担相应的责任和义务。如用户不同意本协议任何内容的，请用户立即停止使用技术开发方所提供的全部服务。
根据中华人民共和国法律的规定，同时依据技术开发方与其合作伙伴之间的相关协议，用户必须已明示授权技术开发方合作伙伴（以下简称“合作伙伴”）、在此明示授权并委托技术开发方及其关联公司通过官方或相关实名认证平台、信用信息平台及其它相关平台查询、验证、存储用户的个人信用信息，并输出给合作伙伴对用户的个人信用进行评估与参考使用。用户理解并同意，具体的授权查询、验证、存储及输出的内容以合作伙伴要求查询、验证、存储、输出以及技术开发方及其关联公司实际查询、验证、存储、输出的信息为准。技术开发方及其关联公司会在授权范围内对相关个人信息予以处理（包括但不限于为保护用户个人信息而加密处理、掩码处理等一切为实现相关协议目的而进行的所有必要处理）并仅提供给合作伙伴使用，但用户与合作伙伴之间因授权的有效性、授权内容、授权范围、授权期限等发生的争议纠纷与技术开发方无关。如用户对合作伙伴的上述授权事项有任何异议或争议的，应立即停止使用技术开发方所提供的全部服务。
用户使用本服务的，即表明用户已明示对合作伙伴、技术开发方及其关联公司授权查询、验证、处理、存储、在约定范围内使用其个人信息，并对授权的效力、查询验证的内容、查询验证平台、处理方式、使用范围等相关事项无任何事实或法律上的异议或争议。
鉴于用户须授权合作伙伴并由该合作伙伴告知本服务后方能进入、登录并使用本服务，用户登录或使用本服务时起即视为用户与技术开发方的合作伙伴之间已存在合法的、充分的、必要的、不可撤销的授权，且用户已清楚知晓其授权提供相关信息可能对其造成的相关不利影响，如负面的信用评价等。
为保护用户个人信息，技术开发方会采取合理措施对用户信息进行严格保密，同时督促并要求该特定合作伙伴进行严格保密。未经用户授权，技术开发方及其关联公司不会将用户信息提供给任何其他方。
如用户有违反本协议的任何行为时，技术开发方有权依合理判断，不经通知随时单方限制、中止或终止向用户提供本服务，并有权追究用户的相关责任。
本协议是用户与技术开发方关于用户使用本服务所订立的协议。
2.1 许可范围。技术开发方授予用户一项个人的、不可转让及非排他性的许可，以使用本服务。如果交易文件未规定根据协议授予的许可有效期/期限，则该有效期/期限为自软件向用户交付之日起一（1）年。为避免疑义，未经技术开发方事先书面同意，用户不得允许任何第三方（交易文件中明确规定为许可用户的除外）访问或使用软件，且用户应当为任何此类未授权使用承担责任。
本条及本协议其他条款未明示授权的其他一切知识产权权利仍由技术开发方保留。技术开发方如果未行使前述任何权利，并不构成对该权利的放弃。
2.2 许可限制。
1、为使用本服务用户可能需要输入个人信息进行登录与使用。用户清楚知晓，其向技术开发方提供的账户仅限本人使用，否则，用户可能会对用户或他人造成侵权。用户承诺并同意，使用同一设备、同一身份证号或账号使用本协议项下服务的，均视为用户本人的行为。
2、用户应妥善保管自身设备、身份证件及账号密码信息，审慎交由他人使用或使用他人设备、身份证件或账户信息，如用户违反本约定给用户或他人造成损失的，技术开发方不应也不会承担任何法律责任。用户若因此给技术开发方造成损失的，应承担技术开发方所遭受的全部损失。
3、用户应当如实填写和提交帐号注册与认证资料，完成信息登记，并对资料的真实性、合法性、准确性和有效性承担责任。技术开发方依据用户填写和提交的帐号资料，在法律允许的范围内向第三方展示用户的注册信息。如用户提供服务或内容需要取得相关法律法规规定的许可、进行备案或取得相关合法资质的，用户应当在帐号注册与认证时进行明确说明并提交相应的许可、备案或资质证明。否则，技术开发方有权拒绝或终止提供本服务，并依照本协议对违规帐号进行处罚。因此给技术开发方或第三方造成损害的，用户应当依法予以赔偿。
用户理解并同意：
1、用户用以参与本服务的帐号由用户独立使用、维护、运营并独立承担全部责任。
2、技术开发方自主开发并独立享有本服务技术接口的知识产权等合法权益，用户仅在本服务范围内进行使用。
3、因用户的原因导致的任何纠纷、责任等，以及用户或用户的帐号违反相关法律法规或本协议约定引发的任何后果，均由用户独立承担责任、赔偿损失，与技术开发方无关。如侵害到技术开发方或他人权益的，用户须自行承担全部责任和赔偿一切损失。
如果用户从非技术开发方合作伙伴的应用程序或服务或非技术开发方合作伙伴处获取本服务或与本服务名称相同的安装程序，技术开发方无法保证该应用程序或服务能够正常使用，并对因此给用户造成的损失不予负责。
为了增进用户体验、完善服务内容，技术开发方将不断努力为用户时时提供应用程序或服务更新（这些更新可能会采取应用程序或服务替换、修改、功能强化、版本升级等形式）。
为了改善用户体验，并保证服务的安全性和功能的一致性，技术开发方有权不经向用户特别通知而对应用程序或服务进行更新，或者对应用程序或服务的部分功能效果进行改变或限制。
保护用户个人信息是技术开发方的一项基本原则，技术开发方将会采取合理的措施保护用户的个人信息。除法律法规规定及用户授权的情形外，未经用户许可技术开发方不会向任何第三方公开、透露用户个人信息。
用户在登录账号或使用本服务的过程中，可能需要填写一些必要的信息。若用户填写的信息不真实或不完整，则可能无法正常使用本服务。
一般情况下，用户可随时浏览、修改自己提交的信息，但出于安全性和身份识别的考虑，用户可能无法修改注册时提供的初始注册信息及其他验证信息。
技术开发方将运用各种安全技术和程序建立完善的管理制度来保护用户的个人信息，以免遭受未经授权的访问、使用或披露。
授权事项：
1.授权用户将软件自由的用于非商业应用。
2.用户充分理解并同意：用户在使用本服务时，可能需要使用用户终端设备的相关权限、接口及相关设备信息等才能实现相应的功能。
3.用户可以选择不向技术开发方提供用户的某些信息，但因此可能会导致相关服务功能无法实现。
4.为实现本协议目的为合作伙伴及用户提供更加优质、安全的服务，用户同意并明示授权技术开发方及其关联公司对用户的相关个人信息进行查询、验证、存储、处理并在约定范围内使用（提供给用户已授权的合作伙伴对用户进行信用评估及参考使用）。技术开发方及其关联公司对用户的个人信息进行严格保密。本协议项下的授权为不可撤销的授权。
5.用户知晓并明示授权同意技术开发方及其关联公司依据相关法律法规的规定，受合作伙伴委托向第三方征信机构或数据机构等合法查询、验证、审核用户信息，上述信息包括但不限于个人基本信息、特征信息（包括但不限于用户的法院失信信息、网络失信信息、是否曾使用通讯小号及可疑设备信息等）、关联信息（即用户的身份证信息、手机号、手机设备及银行卡之间的关联关系，以判断用户信息是否有异常，该关联关系不涉及具体的个人敏感信息）、公用事业信息、央行征信报告、个人网络数据信息等合作伙伴需要验证或参考使用的相关用户信息。技术开发方具体查询、验证及审核的信息最终以合作伙伴需要验证、需要参考使用及实际验证与使用的信息为准。
6.技术开发方对所获取的信息，仅在用户与合作伙伴之间有关个人信用信息评估等合作伙伴业务相关工作中使用。技术开发方及其关联公司将对所获取的信息向该合作伙伴进行提供，除此之外，未经用户授权，技术开发方及其关联公司不得也不会向其他机构或个人泄露、披露或提供用户的信息。
用户禁止行为
除非法律允许或技术开发方书面许可，用户不得从事下列行为：
1.除非获得有效商业合同的允许，软件或文档不得用于商业用途。
2.删除本服务及其副本上关于著作权的信息。
3.对本服务进行反向工程、反向汇编、反向编译，或者以其他方式尝试发现本服务的源代码。
4.对技术开发方拥有知识产权的内容进行使用、出租、出借、复制、修改、链接、转载、汇编、发表、出版等。
5.通过修改或伪造应用程序或服务运行中的指令、数据，增加、删减、变动应用程序或服务的功能或运行效果，或者将用于上述用途的应用程序或服务、方法进行运营或向公众传播，无论这些行为是否为商业目的。
6.自行、授权他人或利用第三方应用程序或服务对本服务及其组件、模块、数据等进行干扰。
7.发布含有软件病毒、蠕虫病毒或其他有害代码的内容。
8.未经本公司明确同意，暗示或声明您隶属本公司或受本公司认可，例如: 声称自己是本公司认证的工程师。
9.发布、传送、传播、储存违反国家法律法规禁止的内容。
10.其他未经技术开发方明示授权的行为。
用户充分了解并同意对自己行为负责，用户必须为自己对合作伙伴的授权（包括但不限于授权方式、授权内容及授权期限等）以及其账户下的相关行为负责。技术开发方会督促合作伙伴获取用户的授权后方能对相关信息进行查询、验证或使用并要求合作伙伴对用户的信息进行严格保密，但用户应对使用本服务时接触到的内容自行加以判断，如对授权相关事项及信息安全有任何异议或争议的，应立即停止使用本服务。
技术开发方无法且不会对用户与合作伙伴之间的任何争议或纠纷而承担责任，用户未按约定要求立即停止使用本服务的，技术开发方对非因技术开发方的原因而产生的任何风险或损失将不承担任何责任。
技术开发方是本服务的知识产权权利人。本服务的著作权、商标权、专利权、商业秘密等知识产权，以及与本服务相关的所有信息内容（包括但不限于文字、图片、音频、视频、图表、界面设计、版面框架、有关数据或电子文档等）均受中华人民共和国澳门特别行政区法律的规定和相应的国际条约保护，技术开发方依法享有上述相关知识产权，但相关权利人依照法律规定应享有的权利除外。
未经技术开发方或相关权利人书面同意，用户不得为任何商业或非商业目的自行或许可任何第三方实施、利用、转让上述知识产权。
用户理解并同意，本服务同大多数互联网应用程序、服务一样，可能会受多种因素影响（包括但不限于用户原因、网络服务质量、社会环境等）。也可能会受各种安全问题的侵扰（包括但不限于他人非法利用用户资料，进行现实中的骚扰。用户下载安装的其他应用程序或服务或访问的其他网站中可能含有病毒、木马程序或其他恶意程序，威胁用户终端的信息和数据的安全，继而影响本服务的正常使用等）。因此，用户应加强信息安全及个人信息的保护意识，注意密码保护，以免遭受损失。出现上述情况时技术开发方将努力在第一时间与相关方配合，及时进行修复，但是由此给用户造成的损失技术开发方在法律允许的范围内免责。
用户不得制作、发布、使用、传播用于窃取技术开发方账号及他人个人信息、财产的恶意程序。
维护应用程序或服务安全与正常使用是技术开发方和用户的共同责任，技术开发方将按照行业标准合理审慎地采取必要技术措施保护用户的终端信息和数据安全。
在法律允许的范围内，技术开发方对以下情形导致的服务中断或受阻不承担责任：
1.受到计算机病毒、木马或其他恶意程序、黑客攻击的破坏。
2.用户或技术开发方的电脑软件、系统、硬件和通信线路出现故障。
3.用户操作不当。
4.用户通过非技术开发方授权的方式使用本服务。
5.其他不受技术开发方控制或预见的情况。
“不可抗力”是指在本协议签订后发生的、受影响一方无法预见、无法避免并无法克服的客观情况。此等事件包括但不限于水灾、火灾、旱灾、台风、地震及其它自然灾害、罢工、骚动、暴乱及战争以及政府部门的作为或不作为、法律法规或政策调整、数据来源变更(包括但不限于其服务内容及形式的变更)、国内数据渠道瘫痪、黑客攻击、计算机病毒侵入、新型病毒爆发、因电信运营商问题导致网络中断服务器不可访问、停电、系统故障、传输线路、通信故障等技术开发方无法控制的因素。因受不可抗力影响而不能履行或不能完全履行本协议的不视为违约，不应承担相应违约责任。
1、保密信息。任何一方（“披露方”）可能以口头或实务形式不时向另一方（“接收方”）披露或提供与协议有关的、披露方的或披露方拥有的保密或专有信息（包括披露方拥有的第三方的保密或专有信息）。“保密信息”是指披露方在协议履行过程中向接收方提供的任何形式的任何和全部信息，并且该等信息（i）已被标记为保密。或（ii）一般人在类似情况下会认为具有保密性。为避免疑问，保密信息包括任何产品和与该产品有关的任何信息（包括但不限于任何用户手册、数学技术、相关分析、概念、设计、规格、列表和其他文档，无论是否嵌入在设备或其它形式的媒介上）。尽管有上述规定，保密信息（尽管标记为保密）不应包括接收方可以表明为以下任一情形的任何信息：（a）非因接收方违反协议而已经普遍为公众可用的。（b）在披露方向接收方披露之前已经为接收方所知悉的。（c）从第三方收到的，且不违反对披露方的任何保密义务或侵犯披露方其他权利，或（d）接收方不依赖从披露方收到的任何保密信息而独立开发的。
2、保密信息保护。已披露保密信息的任意一方或第三方保留对其保密信息的所有权。任何一方不得将另一方的保密信息披露给任何人。各方同意采取合适的措施保护另一方的保密信息，且保护程度不低于其保护自己的保密信息。
3、接收方只能将保密信息披露给必须知道这些信息且负有不低于本协议规定的保密义务的员工、代理人或分包商。除非另一方另有授权，双方仅可将对方的保密信息用于履行本协议之目的。但一方可以在法律诉讼中或根据法律要求披露另一方的保密信息。
1、用户了解并同意，应承担因您使用本服务、违反本服务条款或在您的账户下采取的任何行动而导致的任何第三方索赔。如果由此引起技术开发方及其关联公司、员工、客户和合作伙伴被第三方索赔的，用户应负责处理，并赔偿技术开发方及其关联公司由此遭受的全部损失和责任。
2、责任除外。任何情况下，任何一方或其关联方均不对另一方因本协议或与本协议相关而产生的间接性或结果性的损失或损害，或任何收入、利润、机会、客户损失、商誉、信誉、数据或数据使用的损害负责。即使某一方或其关联公司已被告知或已经意识到这一损害或可能由另一方造成损失的可能性。
1、期限。本协议自本协议规定的生效日起生效，并持续有效，除非根据本第十三条终止。
2、终止。在用户的账户注销或经双方协商一致终止服务的，本服务条款终止。
1、本协议的成立、生效、履行、解释及纠纷解决，适用中华人民共和国法律。
2、若用户和技术开发方之间发生任何纠纷或争议，首先应友好协商解决。协商不成的，提交南京仲裁委员会仲裁。
用户使用本服务即视为用户已阅读并同意受本协议的约束。技术开发方有权在必要时修改本协议条款。用户可以在本服务的最新版本中查阅相关协议条款。本协议条款变更后，如果用户继续登录、使用本服务，即视为用户已接受修改后的协议。如用户不接受修改后的协议，应当停止使用本服务。
本协议所有条款的标题仅为阅读方便，本身并无实际涵义，不能作为本协议涵义解释的依据。
本协议条款无论因何种原因部分无效或不可执行，其余条款仍有效，对双方具有约束力。
如需咨询常见问题，您可在线联系我们。
When you use our services, you’re trusting us with your information. We understand this responsibility and work hard to protect your information and put you in control. The purpose of this Privacy Policy is to help you understand what information we collect, why we collect it, and how you can update, manage, export, and delete your information. Unless otherwise specified in this privacy policy, we will not disclose or provide this information to third parties without your prior permission. As our service advances, we could update this privacy policy. By agreeing to this user agreement, you have agreed to the full content of this Privacy Policy. This Privacy Policy is a part of the user agreement.
1. The provided personal registration information when you register the account of this service in accordance with the demands of this service;
2. The information that is automatically received and recorded from the website or computer by this site when you accessing the webpage, including but not limited to your IP address, browser type, data (such as the language used, date) access time, information of hardware and software functions and the required webpage records;
3. The users’ personal data that acquired from business partners through legal means by this service.
You understand and agree that the following information does not apply to this privacy policy:
1. The input keywords when using the search service provided by this application;
2. The relevant information collected in this service, including but not limited to the participation in activities, transaction information, and assessment details;
3. Violation of the law or this Code of Conduct, and the actions taken against you through this service’s application.
We collect your personal information for the purpose to improve our products and services. We would collect the following personal information in the following scenarios:
1) Account information: When registering a user account, we need to collect your user name, mobile phone number, email address, and account information (account name, account ID and password, key).
2) Address information: When using the address management service, we need to collect your recipient's name, detailed address, zip code, and mobile phone number.
3) Identity verification: When passing the identity verification of your ID card, we need to collect your name, ID card, and photo. When using your face image for identity verification, which requires collecting your name, ID, and biometrics (static or dynamic facial features). When using your bank card number for identity verification, we need to collect your bank card number, name, ID, and photo.
4) Security settings: When using the account security settings service, we need to collect your email address and mobile phone number.
5) Payment center: When using the payment center (such as payment management and invoice management services), we need to collect your billing information, payment information (bank account, bank card number, bank flow), and invoice information.
6) Message center: When using the message center service, you need to collect your name, email address, and mobile phone number.
7) Support and services: When requesting support or assistance from us, we will collect your personal information. For example, when you create a new order and obtain professional services, you need to collect your user name, email address, mobile phone number, and the consultation records and call recordings you left when you contact us for corresponding support.
8) Product usage information: When using the product, we will collect your product usage information, including but not limited to training data composition, training times, training duration, training status, etc. This information will help us to evolve the product to best fit your applications.
9) Device information: We will receive and record the device-related information (such as device model, operating system version, device settings, MAC address, and other device identifiers of your software and hardware), information about the location of the device (such as IP address, GPS location, and sensor information such as Wi-Fi access points, Bluetooth, and base stations that can provide relevant information). We may associate this information so that we can provide you with consistent services on different devices.
When we provide you with commercial functions or specific services, we will collect, use, store, provide and protect your user information according to this privacy policy and the corresponding product service agreement. When collecting your user information, we will separately explain the scope and purpose of information collection to you, and collect the information necessary to provide corresponding services after obtaining your consent; if you choose not to provide the aforementioned information, it will affect the use of our product and services.
1. Unless obtained your prior permission, this service will not provide, sell, rent, share or trade your personal information to any irrelevant third party.
2. This service also does not allow any third party to collect, edit, sell or distribute your personal information by any means. Once any user of the above service platforms is found to be engaged in such activities, this service has the right to terminate the service agreement with this user immediately.
3. To provide service to users, this service may utilize the information you used to provide the information you might be interested in, including but not limited to sending you the information of products and services, or sharing the information with the service’s cooperating partners, so they can send you the information of their products and service (The latter shall obtain your prior permission).
4. The user shall fully respect the personal information of anyone including, but not limited to, a third party that is known, received, or accessed through this service. The user should not collect, copy, store, spread, or use the personal information of a third party in any other way, otherwise, the consequences arising therefrom shall be borne by the users themselves.
Under the following circumstances, this service will fully or partially disclose your personal information according to your personal will or the law:
1. Disclosure to a third party with your prior permission;
2. To provide the products and services you demanded, you have to share your personal information with a third party;
3. Disclosure to a third party or judicial authorities based on the related regulations of laws, or in response to the demands of administrative or judicial authorities;
4. If you violate related laws or regulations of China, this user agreement, or other related regulations, your personal information might be disclosed to third parties;
5. If you are a qualified IP Complainant and have already filed a complaint, in responding to the request of the complainant, the corresponding information may be disclosed to the one being complained, about to facilitate the solving of possible rights disputes of both parties;
6. Among the transactions that are established on this service platform, if any party in such transaction has fulfilled or partially fulfilled the obligation of the transaction and demands information disclosure, then this service has the right to provide users with the contact information of the counterparty, as well as other information that could facilitate the completion of the transaction or the solving of disputes.
7. Other disclosures that are considered appropriate according to laws, regulations, or website policies.
1.The information and materials you collect in this service will be stored on the servers of this service and/or its affiliates, such information and materials may be transmitted to your country, region, or the locations where the information and materials are collected by this service. The information can be accessed, stored, and displayed abroad.
2. You understand and agree that from the commercial perspective, our company will make reasonable efforts to protect the safety of the data stored in the service platform. However, it cannot be fully guaranteed by the company, including but not limited to the following circumstances:
1. If you do not refuse to accept Cookies, this service will set or access Cookies on your computer so that you can log in or use Cookie-based services or the functions that rely on Cookies. This service uses Cookies to provide you with more thoughtful and personalized services, including sales promotion.
2. You have the right to accept or refuse to accept Cookies. You can refuse to accept Cookies by changing the setting of browsers. However, if you refuse to accept cookie, you might not be able to log in or use the Web services or functions of this service that rely on cookies.
3. This policy will apply to the acquired information through the Cookies provided by this service.
1. The accounts of this service are equipped with safety protection. Please make sure your username and passwords are safe. This service will adopt safety measures like encoding the user’s password to ensure your information will not lose, misused, or altered. Although the aforementioned safety measures are taken, please be noticed that there are no “perfect safety measures” on the internet.
2. When using the Web service of this service for online transactions, you will inevitably have transactions with counterparties or potential counterparties.
1. We provide products and services for adults. If you are a minor, we require your parents or guardians to read this Privacy Policy carefully. The usage of our services or the information provided to us should be with the consent of your parents or guardians.
2. With the consent of the parents or guardians to collect the personal information of minors, we will only use, share, transfer, or disclose the personal information permitted by laws and regulations, with the consent of the parents or guardians, or with the necessity to protect the minors.
1. If we decided to change our privacy policy, we will publish it on this privacy policy, our website, as well as any other places we consider appropriate, to facilitate you to understand how we collect and use your personal information, who can access to it and under which circumstances will we disclose it.
2. The company remains the right to modify this policy at any time, please check for it from time to time. If there is a major change in this policy, the company will display the modified policy to you through publishing on websites, pop-ups, or other appropriate forms.
If one party has disclosed their personal information, such as contact or address, please protect such information and only provide it to others when necessary. If you found there is a leakage on your personal information, especially for your username and password used in this service, please contact the customer service representatives of our service immediately, to allow us to take corresponding countermeasures.
本服务尊重并保护使用本服务的所有用户的隐私。为了向您提供更准确和个性化的服务，此应用将根据本隐私政策使用和披露您的个人信息。但是，本服务将高度努力和谨慎地处理此信息。除非本隐私政策另有规定，否则未经您的事先许可，本服务不会向第三方披露或提供此信息。这个服务会不时更新本隐私权政策。同意本服务使用协议，即表示您已同意本隐私政策的全部内容。本隐私政策是本服务协议的组成部分。
1、您在注册本服务帐户时根据本服务的要求提供的个人注册信息。
2、当您使用网页访问时，服务在浏览器和计算机上自动接收并记录的信息，包括但不限于您的IP地址，浏览器类型，数据（如使用的语言，日期）访问时间，硬件和软件功能信息以及所需的网页记录。
3、本服务通过合法手段从业务合作伙伴获得的用户个人数据。
您理解并同意以下信息不适用于本隐私政策：
1、您在使用应用提供的搜索服务时输入的关键字信息。
2、您在本服务中收集的相关信息，包括但不限于参与活动，交易信息和评估详细信息。
3、违反法律或违反本《行为准则》以及本服务申请对您采取的行动。
我们在您与我们的互动过程中出于必要的目的收集您的个人信息，例如为向您提供服务，我们会在以下场景中收集如下个人信息：
1）账户信息：在您使用用户帐号时，需收集您的用户名、手机号码、邮箱地址和帐号信息（帐号名、帐号ID及密码、密钥）。
2）地址信息：在您使用地址管理服务时，需收集您的收件人姓名、详细地址、邮政编码、手机号码。
3）实名认证：在您通过身份证件实名认证时，需收集您的姓名、身份证件、照片。您也可以通过您的脸部图像进行实名认证，此时需收集您的姓名、身份证件以及生物识别特征（静态或动态的面部特征）。您还可以通过银行卡号进行实名认证，此时需收集您的银行卡号、姓名、身份证件以及照片。
4）安全设置：在您使用帐号安全设置服务时，为了保护您的帐号信息安全，需收集您的电子邮箱、手机号码。
5）费用中心：在您使用费用中心服务（如资金管理、发票管理服务）时，需收集您的账单信息、支付信息（银行账户、银行卡号、银行流水）及发票信息。
6）消息中心：在您使用消息中心服务时，包括您使用新增管理人服务时，需收集您的姓名、邮箱、手机号码。
7）支持与服务：在您请求我们支持或帮助时提供的个人信息。例如在您新建工单、获取专业服务时，需收集您的用户名、邮箱、手机号码以及您在联系我们取得相应支持时留下的咨询记录、通话录音。
8）产品使用信息：在您使用产品时，我们会收集您的产品使用信息、包括但不限于训练数据构图、训练次数、训练时长、训练状态等。这些信息将用于帮助产品升级，以更好的服务于您的应用。
9）设备信息：我们会根据您在软件安装及使用中授予的具体权限，接收并记录您所使用的设备相关信息（例如设备型号、操作系统版本、设备设置、 MAC 地址及其他设备标识符等软硬件特征信息）、设备所在位置相关信息（例如 IP 地址、 GPS 位置以及能够提供相关信息的Wi-Fi接入点、蓝牙和基站等传感器信息）。我们可能会将前面两类信息进行关联，以便我们能在不同设备上为您提供一致的服务。
我们在向您提供业务功能或具体服务时，我们会按照本政策以及相应的产品服务协议的约定收集、使用、存储、对外提供及保护您的用户信息。超出本政策以及相应的产品服务协议约定收集您的用户信息的，我们会另行向您说明信息收集的范围与目的，并征得您的同意后方收集提供相应服务所必要的您的信息。如您选择不提供前述信息，可能会影响到您使用我们的产品和服务。
1、除非事先获得您的许可，否则本服务不会向任何无关的第三方提供、出售、出租、共享或交易您的个人信息。
2、本服务也不允许任何第三方以任何方式收集，编辑，出售或分发您的个人信息。一旦发现上述服务平台的任何用户从事上述活动，则本服务有权立即终止与本用户的服务协议。
3、为了服务用户，本服务可能会使用您使用的信息为您提供您感兴趣的信息，包括但不限于向您发送产品和服务信息，或与服务合作伙伴共享信息，以便他们可能会向您发送有关其产品和服务的信息（后者需要您的事先同意）。
4、用户应对通过本服务了解、接收或可接触到的包括但不限于第三方在内的任何人的个人信息予以充分尊重，用户不应搜集、复制、存储、传播或以其他任何方式使用第三方的个人信息，否则，由此产生的后果由用户自行承担。
在以下情况下，本服务将根据您的个人意愿或法律全部或部分披露您的个人信息：
1、在您事先同意的情况下向第三方披露。
2、要提供您要求的产品和服务，您必须与第三方共享您的个人信息。
3、根据法律的有关规定，或应行政或司法当局的要求，向第三方或行政或司法当局公开。
4、如果您违反了中国相关法律，法规或本服务服务协议或相关规则，则需要将其披露给第三方。
5、如果您是合格的IP投诉人，并且已提出投诉，则应投诉人的要求将其披露给被投诉人，以便双方可以处理可能的权利纠纷。
6、在本服务平台上创建的交易中，如果交易的任何一方履行或部分履行了交易义务并要求信息披露，则本服务有权决定向用户提供交易对手的联系信息，等有助于完成交易或解决争端的信息。
7、根据法律，法规或网站政策，本申请认为适当的其他披露。
1、您在本服务中收集的信息和资料将存储在本服务和/或其附属公司的服务器上，这些信息和资料可能会传输到您所在国家、地区或服务收集信息和资料的位置。它可以在国外访问、存储和显示。
2、您理解并同意公司将会尽其商业上的合理努力保障您在服务平台的数据存储安全，但是，公司并不能就此提供完全保证，包括但不限于以下情形：
1、如果您不拒绝接受cookie，则本服务将在您的计算机上设置或访问cookie，以便您可以登录或使用基于cookie的服务或依赖cookie的功能。本服务使用Cookie为您提供更周到和个性化的服务，包括促销服务。
2、您有权接受或拒绝接受cookie。您可以通过修改浏览器设置来拒绝接受Cookie。但是，如果您选择拒绝接受cookie，则可能无法登录或使用依赖于cookie的本服务Web服务或功能。
3、本政策将适用于通过本服务中提供的cookie获得的信息。
1、本服务帐户具有安全保护。请确保您的用户名和密码信息安全。本服务将通过诸如加密用户密码之类的安全措施来确保您的信息不会丢失，不被滥用或更改。尽管有上述安全措施，但也请注意，信息网络上没有“完美的安全措施”。
2、使用本服务Web服务进行在线交易时，您将不可避免地要与交易对手或潜在交易对进行交易。
1、我们主要面向成人提供产品和服务。如您为未成年人，我们要求您请您的父母或监护人仔细阅读本隐私权政策，并在征得您的父母或监护人同意的前提下使用我们的服务或向我们提供信息。
2、对于经父母或监护人同意使用我们的产品或服务而收集未成年人个人信息的情况，我们只会在法律法规允许、父母或监护人明确同意或者保护未成年人所必要的情况下使用、共享、转让或披露此信息。
1、如果我们决定更改我们的隐私政策，我们将在本政策，我们的网站以及我们认为适当的位置上发布这些更改，以便您了解我们如何收集和使用您的个人信息以及谁可以访问它。在什么情况下，我们将披露此信息。
2、公司保留随时修改本政策的权利，因此请经常检查。如果本政策发生重大变更，公司将通过网站公示、弹窗或其他适当形式向您展示变更后的政策。
一方公开其个人信息，例如联系信息或邮政地址。请保护您的个人信息，并仅在必要时提供给他人。如果您发现您的个人信息被泄露，尤其是服务所使用的用户名和密码被泄露，请立即与本服务的客户服务代表联系，以便本服务可以采取相应。