You will be 100% refunded upon investigation if fund loss is due to your payment account being hacked. This applies to direct loss caused by others' expenditure without your authorization, such as account balance, bank account funds bound with quick payment, transfer within the validity period and Cash Gift, etc.
You will be refunded, if you - as a user - encounter a QR code fraud or virus, or if you - as a merchant – encounter maliciously replaced or changed payment QR code, as a result, suffer from fund loss.
User should bear the fund loss, if - based on investigation – the account holder gets direct or indirect benefits from transactions or information, or the information provided by the user is insufficient to prove the unauthorized action. It includes but not limited to the following situations:
An authorized action initiated by the user's spouse, relatives, friends, employees, agent and so on. For example, if the action of transaction takes place in the trusted network environment (such as frequently used equipment, IP, SMS verification, etc.).
Inconsistency between user's statement and the facts investigated by BOTIM.
User loses personal ID and communication tools, but failed to report the issue in time, which results in the bank card leakage or failure to modify the account password in a timely manner.
If user clicks illegal links and phishing websites and discloses bank card or account information and others, or if the fund loss is caused by other third parties.
Fund loss caused by fraud, coercion or other acts of others.
User gives away his account or card, or authorizes another person to perform on his behalf, and so on.
