Terms of Service

This Agreement is entered into between you (the “Customer”) and Sunmand Limited, a licensed entity under the Topoverse group (“we” or “us”), which holds a Money Service Operator (MSO) licence issued by the Hong Kong Customs and Excise Department. This Agreement applies to your use, through the Topoverse platform, of the cross-border remittance, currency exchange, and related financial services we provide.

You confirm that, before registering for and using the Service, you have fully read, understood, and agreed to all terms of this Agreement; your use of the Service is deemed acceptance of all obligations under this Agreement.

Within the business scope permitted by our Hong Kong MSO licence, we provide you with the following enterprise-grade services: (1) Multi-currency cross-border remittance services; (2) Currency exchange services; (3) Enterprise account management and transaction detail services; (4) API integration and batch fund processing services; (5) Other related ancillary services permitted by regulators.

We have the right to adjust the scope of services in accordance with regulatory requirements and business planning, and will announce any adjustment through official channels beforehand.

You undertake that you have lawful business qualifications, will provide true, accurate, and complete materials such as identity verification, business qualifications, and transaction background as required, and will cooperate with compliance review processes such as Know Your Customer (KYC) and Customer Due Diligence (CDD).

You shall keep your account information and login credentials secure; you are solely responsible for consequences such as account misappropriation and financial loss caused by inadequate safekeeping.

You may not lend, rent, or transfer your account to any third party, and may not use the account for any illegal or non-compliant activities.

Fund transaction instructions you initiate must have a genuine and lawful transaction background, must not involve money laundering, terrorist financing, fraud, or any other illegal or non-compliant conduct, and must not violate the regulatory rules of Hong Kong or relevant countries and regions.

Once your submitted transaction instructions pass verification, fund processing will be completed in accordance with business rules; you are solely responsible for transaction failures, fund returns, and losses caused by information you provide in error.

Exchange rates, handling fees, and other fee standards are subject to those published on the platform at the time the transaction is initiated; we have the right to adjust fee standards according to market conditions and regulatory requirements, and will announce any adjustment beforehand.

Due to factors such as overseas regulation and clearing channels, the arrival time of cross-border funds may fluctuate. We do not commit to a fixed settlement time and will make reasonable efforts to ensure transaction processing efficiency.

We have the right, in accordance with anti-money laundering and counter-terrorist financing regulatory requirements, to review, monitor, and verify your identity information, transaction background, and sources and uses of funds; for suspicious transactions, we have the right to take measures such as delaying processing, suspending services, and reporting to regulators.

When a regulator requires an investigation into relevant transactions or the submission of information, we have the right to cooperate as required without prior notice.

If you violate regulatory rules or the terms of this Agreement, we have the right to suspend or terminate the provision of services and reserve the right to pursue related liabilities.

We will strictly protect the security of your information and transaction data in accordance with applicable data protection laws; specific terms are set out in the Privacy Policy.

Except where required by laws and regulations, instructed by regulators, or authorised by you, we will not disclose your non-public information to third parties.

We are not liable for transaction interruptions, delays, or losses caused by force majeure (including but not limited to natural disasters, war, changes in regulatory policy, abnormal fluctuations in financial markets, and clearing system failures), but we will make reasonable efforts to assist with related matters.

You are solely responsible for any losses caused by your own fault, provision of false information, or breach of the Agreement.

We have the right to amend this Agreement according to regulatory requirements and business development, and the amended Agreement will be published through official channels; if you continue to use the services after the amendment, you are deemed to have agreed to the amended Agreement.

You may terminate this Agreement by closing your account; we may also terminate the provision of services to you in accordance with this Agreement and regulatory requirements.

After termination, you remain responsible for your conduct during the period of service use, and we will retain relevant information as required by regulators.

The formation, performance, and interpretation of this Agreement are governed by the laws of the Hong Kong Special Administrative Region of the People's Republic of China.

Any dispute arising from this Agreement shall first be resolved through friendly negotiation; if negotiation fails, either party has the right to bring a lawsuit before a court with jurisdiction in the Hong Kong Special Administrative Region.