This User Agreement is between a user and Installments Inc. [“INSTO”], where “user” means any person or entity who “uses” the INSTO payments platform app (mobile or desktop versions or the ins.to website) by doing any of the following:
downloading the app, registering as a user on the app, entering payment method or bank account information on the app, using the app to offer to pay [as a Buyer] or create a bill [as a Seller], using the app to enter into a transaction as a Buyer or Seller,
and any other actions utilizing the functions or features of the app.
本用戶協議書係由個別用戶與 Installments Inc.（以下簡稱 INSTO）共同簽署，其中所謂「用戶」係定義為經由下列方式「使用」INSTO 支付平台應用程式 (APP) （不論為手機版、桌上型電腦版或網頁版）之任何個人或主體：下載該 APP、註冊為該 APP 之用戶、在該 APP 中輸入支付工具或銀行帳戶資料、 以買方身分利用該 APP 做為未來支付之工具或以賣方身分使用該 APP 出具收費帳單、以買方或賣方身分使用該 APP 以成立交易及其他運用該 APP 之功能或的行為 。
By any such use of the app, user agrees to the terms of this User Agreement and accepts the rights and duties stated between user and
INSTO and between user and another user [e.g., as Buyer or Seller].
經由上述之任一方式使用該 APP 即表示用戶同意本「用戶協議書」所載之相關條款並接受用戶與 INSTO 間以及用戶與其他用戶間（例如買方或賣方）之約定權利與義務。
By entering into a payment transaction as a Buyer or Seller using the INSTO app, the user has entered into a legally binding payment contract associated with an underlying bilateral commercial contract between
Buyer and Seller for transfer of goods or services or other consideration.
用戶以買方或賣方身分使用 INSTO APP 成立付款交易，該用戶即締結基於買賣雙方就商品或服務或其他事項之移轉所訂雙邊商業合約而成立的具有法律拘束之付款契約。
Buyer and Seller authorize INSTO or a person appointed by INSTO to use their registered payment method and bank account information
to settle the payment obligations incurred by Buyer pursuant to such payment transaction.
INSTO or a person appointed by INSTO acts as a payment facilitator on behalf of the parties,
acting in effect as an agent of the Seller / payee, where payment from Buyer through INSTO constitutes fulfillment of Buyer's payment obligation to Seller.
Seller appoints INSTO or a person appointed by INSTO as its non-exclusive agent to receive payments from Buyer.
INSTO 或其指定之人代表雙方進行款項之收付，在買方透過 INSTO 平台支付相關款項以履行買方對賣方之支付義務時作為賣方/收款方之實質代理人， 而賣方則委任 INSTO 或其指定之人作為其非專屬代理人收受來自買方之款項。
INSTO or any person appointed by INSTO is not a party to the underlying commercial contract between users [Buyer and Seller] for which INSTO is being used as a payment platform.
User will only enter into the INSTO app accurate, legitimate user information [personal or business information,
payment method information and bank account information]; and will update such information if it changes.
A business user represents that it has authority to act on behalf of the business.
User will maintain the security of user's password and will immediately notify INSTO of any unauthorized use of user's account.
用戶輸入 INSTO APP 之用戶資訊（個人或企業資訊、支付工具與銀行帳戶資訊）均須正確合法，若有任何變動應即時更新。 企業用戶之使用者代表其具備該企業之授權得以代表該企業。用戶須確保用戶密碼之安全，若其帳戶遭到盜用應立即通知 INSTO。
User will only use INSTO as a payment platform for settlement of payments associated with an underlying commercial transaction with user's user counterpart [buyer / seller] on INSTO.
User will not use the INSTO payment platform for any money transmission not associated with such an actual transaction.
用戶與 INSTO 平台上之用戶相對人（買方/賣方）所成立之商業交易方得使用 INSTO 作為帳款結算支付平台。 用戶不得利用 INSTO 支付平台從事任何無實質交易基礎之資金傳輸。
User will not cancel a scheduled payment transaction except in accordance with the fulfillment or cancellation of the underlying commercial contract between user and user's user counterpart on INSTO.
User grants INSTO or a person appointed by INSTO the right to verify user's personal, business, payment method and bank account information,
and the right to access third parties' reports regarding user's credit record.
用戶授權 INSTO 或其指定之人得以查驗用戶之個人、企業、支付工具與銀行帳戶資訊，並有權存取第三人出具之用戶信用紀錄報告。
User will not use the INSTO payment platform for any transactions that are illegal or in violation of the regulations of user's payment method or bank.
User is responsible for user's own tax obligations.
用戶不得使用 INSTO 支付平台從事任何非法或違反用戶支付工具或銀行規定之交易。用戶須自行負擔本身之稅負責任。
INSTO can, for any reason, at its own discretion and without notice, decline to allow user to use the INSTO payment platform.
If INSTO suspects the legitimacy of a transaction, or if there is any dispute, chargeback or other claim related to a transaction,
INSTO may delay payments for a reasonable period required to resolve such issues.
INSTO 得基於任何理由，由其全權決定且不須事先通知，拒絕用戶使用 INSTO 支付平台。 若 INSTO 對交易之合法性有所質疑，或交易存在任何爭端、退費或其他請求事項，INSTO 得在解決以上問題所需之合理期間內延後付款。
INSTO is in no case liable for the performance of or damages related to the commercial contract underlying an INSTO payment transaction,
whether regarding delivery or quality of goods of services or payment for such.
INSTO is not responsible for any refunds or transaction disputes related either to the commercial contract underlying an INSTO scheduled payment transaction or to the scheduled payments themselves.
INSTO 對於付款交易所根據之商業合約的履行或所生損害，無論係關於交貨、商品或服務之品質或帳款，概不負責。 INSTO 不負責任何退款或交易糾紛，無論是針對 INSTO 預約付款交易所根據的商業合約或針對預約付款交易本身。
When INSTO charges a service fee, INSTO may deduct such fee from user's payment method, bank account or INSTO scheduled payment.
INSTO will comply with all relevant data protection and privacy laws and regulations.
INSTO 收取之服務費會自用戶註冊的支付工具、銀行帳戶或 INSTO 預約付款進行扣款。 INSTO 將遵守所有有關資料保護與隱私權之法律與規範。