The two parties concerning the service agreement are KachaBank and KachaBank users, and the service agreement has contractual effect.
      The service agreement covers the body and all kinds of rules that KachaBank has issued or may issue in the future. Each rule is an inseparable part of the agreement and has the same legal effect as the body.
      KachaBank users shall undertake to accept and comply with the provisions of the relevant rules in use of the services provided by KachaBank.
      KachaBank has the right to enact, amend the agreement or various types of rules from time to time as required. When there is any change to this agreement, announcements will be published on the website to notify the users. If users do not agree with the relevant changes, they must stop the use of "services."
      The amended agreement automatically comes into force immediately after it is announced on KachaBank website. All kinds of rules will take effect after publication and also become a part of this agreement. Logging in or continuing to use the "services" will indicate that the users have accepted the revised agreement. Unless otherwise expressly stated, any new content that will extend the scope of or enhance the function of "services" is restricted by the agreement.
      The service agreement will produce legal effects immediately after the user’s confirmation. Before you register as a user, please carefully read all the content of the service agreement. If you have any question, you may consult the staff members of KachaBank.
      As long as the user clicks the "Confirm" button under the agreement and successfully registers as a user by following KachaBank’s registration procedures, his behavior still expresses that he has agreed with and signed the service agreement, regardless of whether he has actually read the service agreement before registration.
      The agreement does not involve the legal relations and disputes caused by online transactions between business and other users of KachaBank.

      A user must be a natural person with full civil capacity, or an entity organization with legitimate business qualifications. Persons without civil capacities, with restricted civil capacities, and organizations without business or specific business qualifications are not eligible for registration. When a user does transactions beyond his civil right or scope of capacity, the service agreement between KachaBank and the user shall be null and void from the beginning. Once it is found out, KachaBank has the right to log out the user immediately and hold him accountable for all the legal responsibilities caused by his use of KachaBank "services".
      User Registration refers to the process in which a user logs in KachaBank, completes relevant information and confirms his approval of carrying out the relevant user agreement as required. All the tax brought by the user’s transactions, access to paid services or KachaBank server, as well as all the hardware, software, services and costs in other aspects are for the user’s account. KachaBank only serves as a place of transaction and exchange.
      KachaBank does not involve in the sale as a buyer or seller. KachaBank reminds its users that they should carefully determine and confirm the authenticity, legitimacy and effectiveness of the relevant information.

      Users have the right to hold their own user names, transaction passwords and to log in KachaBank trading platform with their user names and passwords at any time. Users can not transfer their user names or authorize others to use their own user names in any form without permission.
      Users have the right to search information, release information, participate in KachaBank’s related activities and enjoy other relevant information services provided by KachaBank in accordance with the provisions of the service agreement and the relevant rules issued on KachaBank.
      When disputes have been aroused among users during online transactions, KachaBank can be requested to coordinate the disputes. When users find other users’ breaches of the law or violation of the service agreement, they can report to KachaBank for disposal.
      If users have generated litigations with other users as a result of online transactions, they have the right to request KachaBank to provide relevant information with the help of judicial service.
      Users have an obligation to provide their real information when they register and to ensure the efficacy and safety of such information as e-mail address, telephone number, address, postcode so that KachaBank and other users can contact them by the above contacts. At the same time, users also have an obligation to timely update the relevant registration information when there is actual change in the relevant information.
       Users shall guarantee that they will not register or certify information with others’ information; users will be held responsible for loss and disputes arising from the use of false information.
      Users shall not issue various types of information which violate the laws or regulations on KachaBank online trading platform; they shall not buy or sell materials which infringe the intellectual property rights of others or other legitimate rights and interests. Nor shall they buy or sell the materials in violation of public interest or public morality, or the materials which KachaBank views not suitable for online selling.
      Users shall promise that all their acts in the use of KachaBank comply with national laws, regulations, relevant provisions of KachaBank and a variety of social and public interests or public morals. Any legal consequence resulted from the violation of the above will make the user bear all the corresponding legal responsibilities in his own name.

      KachaBank should make responses to the issues related to transactions or registration and the informed situations in consumers’ use of KachaBank.
      As for users’ misconduct on KachaBank online trading platform or any other situation in which KachaBank views that services should be terminated， KachaBank has the right to delete relevant information or terminate the services at any time without the users' consent.
      When the users request KachaBank to provide relevant information with the help of judicial or administration department in accordance with legal procedures after they have generated litigations with other users as a result of online transactions, KachaBank should actively cooperate with and provide relevant information.
      KachaBank has the right to inspect the users' registration datum and transactions, if any problem or suspicion arises among them, KachaBank is entitled to issue a notice of inquiry or correction request to the user, or delete the data or transaction directly.
      KachaBank has the right to publish the illegal acts of the users by means of network when they have been confirmed by approved legal instruments or administrative punishment decisions, or when KachaBank can confirm the users’ illegal acts or violation of service agreement with sufficient evidence.
      KachaBank has the right to delete or take other restrictive measures without notice when the users issue the following types of information, including but not limited to
      • Information aiming at circumventing costs;
      • Information aiming at credit speculation;
      • Information which KachaBank has reason to believe as containing fraud and other malicious or false content;
      • Information which KachaBank has reason to believe as an attempt to disrupt the factors of the normal transaction order;
      • Information which KachaBank has reason to believe as in violation of public interest or likely to cause serious damage to KachaBank and the legitimate interests of other users.

      All the ownership and intellectual property rights of the photos issued on KachaBank in the users’ own names belong to the respective content owners, and are protected by applicable copyright or other intellectual property right laws and treaties. No person shall copy or imitate the content in whole or in part without the express permission of its owners.

      ① KachaBank will not sell or rent the user's personal information to anyone, unless a prior permission of the user has been obtained.
      ②KachaBank will not allow any third party’s collection, editing, sale or free dissemination of the user's personal information by any means. Once a user is discovered to engage in these activities, KachaBank has the right to immediately terminate service agreement with him and seize his account.
      ③For the purpose of serving the users, KachaBank may provide services through use of the users' personal information, including but not limited to sending to the users information of products and services, or sharing information with KachaBank partners so that they can send to the users information of their products and services (the latter requires the users' prior consent).
      Information disclosure:
      The user's personal information will be disclosed in part or in whole in the following cases:
      ① Disclosure to a third party with the consent of the user.
      ②If the user is an eligible intellectual property right complainant and has already lodged a complaint, disclosure should be made to the defendant as required so that both sides can deal with possible disputes.
      ③Disclosure to third parties, administrative or judicial organizations in accordance with the relevant provisions of the law or the request of administrative or judicial organizations.
      ④The users’ violation of relevant laws of China or the website policy requires the disclosure to third parties.
      ⑤You must share your personal information with third parties when the products and services you have required are to be provided.
      Information security：
      ① Please keep your account and password information safe.
      ② It is inevitable for you to provide the counterparty or potential counterparty with such personal information as contact or postal address in your transactions on KachaBank website. Please keep your personal information safe and provide information to others only when necessary.
      ③If you find that your personal information has been disclosed, particularly when your personal accounts, payment accounts or passwords have been disclosed, please immediately contact the customer service so that KachaBank can take corresponding measures.
      Jurisdiction: Interpretation and application of the terms of the service agreement as well as disputes related to the terms of the service agreement should be dealt with in accordance with the laws of People's Republic of China.