Terms of Service｜P&L

1. Acceptance

Welcome to the website and online channels of P&L International Pay and Money Trading Company (“we”, “us”). By accessing this website, submitting information, or establishing a business relationship with us, you confirm that you have read, understood and agree to be bound by these Terms of Service. If you do not agree, please discontinue use.

Specific products or services may be governed by separate agreements, product disclosures or risk statements. Those documents apply together with these Terms and prevail in case of conflict.

2. Services

Content on this website is for general information only, including introductions to cross-border payments, FX, remittance and enterprise API services. Actual products, currencies, limits, pricing and settlement times are subject to our approval, contractual terms and operational notices.

We may modify, suspend or discontinue any part of this website or any service at any time where permitted by law.

3. Accounts and accuracy

You agree to provide true, accurate, complete and up-to-date information when onboarding or using services, and to notify us promptly of changes. We may refuse, suspend or terminate services if information is false, misleading or incomplete, and may report to authorities as required by law.

You are responsible for safeguarding login credentials, API keys or other access tools. Risks arising from your negligence may be borne by you to the extent permitted by law.

4. Fees

Fees, FX rates, mark-ups or full-amount options are as quoted, displayed in contracts, or confirmed at the time of the transaction unless otherwise agreed in writing. Fees are generally non-refundable once incurred except where required by law.

5. Prohibited conduct

You must not use our services for unlawful, fraudulent, money laundering, terrorist financing, rights-infringing activities, or transactions breaching sanctions or export controls. We may refuse, suspend or terminate suspicious transactions in accordance with internal policies and legal obligations.

6. Limitation of liability

To the fullest extent permitted by applicable law, this website and services are provided “as is”. We are not liable for losses caused by network outages, third-party systems, bank or clearing delays, force majeure, or other matters outside our reasonable control, except as required by mandatory law and/or caps set out in your written agreement with us.

Nothing in these Terms excludes or limits any statutory rights of consumers that cannot be excluded under Hong Kong law.

7. Intellectual property

Text, graphics, logos, layout and software on this website are protected. You may not copy, modify, distribute or use them for commercial purposes without our prior written consent.

8. Termination

You may stop using this website at any time. We may suspend or terminate services in accordance with contracts, laws or risk management needs, and will notify you where feasible.

9. Governing law and jurisdiction

These Terms are governed by the laws of the Hong Kong Special Administrative Region. Any dispute shall first be resolved in good faith; failing which, the courts of Hong Kong SAR shall have exclusive jurisdiction, except where mandatory law provides otherwise.

10. Contact

For questions regarding these Terms, please use the “Contact” page or our official contact channels.