消费者服务条款

Welcome!

Last updated: March 31, 2026

1. Introduction and Scope

These Consumer Terms of Service ("Terms of Service" or "Terms") are a legal agreement between us ( "us", "our", "we", or "Stripe") and you (referred to as "you" or "your"), the individual who uses one or more of the products and services we offer for your personal use under these Terms (each service offered to you, a "Consumer Service"). The following Terms are a legally binding agreement between you and us, and it describes the terms and conditions applicable to your use of our Consumer Services. By using our Consumer Services, you agree to be bound by these Terms, and any new features or tools that are added will also be subject to these Terms. The Stripe entity with which you are entering into these Terms depends on your location and the specific Consumer Service used and can be found here.

These general Terms apply to all of our Consumer Services that reference these Terms. Businesses that use the Consumer Services described in these Terms are subject to these Terms even if used for business purposes and the business using the Consumer Service is referred to as "you" or "your." Businesses that use Stripe products and services offered under the Stripe Services Agreement are referred to as "Business Users."

2. Additional Terms That Apply to You

The following additional policies and terms also apply when you access or use the Consumer Services, all of which are incorporated by reference into these Terms:

• Arbitration Agreement. IF YOU ARE LOCATED IN THE UNITED STATES, YOU AGREE TO OUR ARBITRATION AGREEMENT, WHICH REQUIRES YOU TO RESOLVE DISPUTES BETWEEN YOU AND STRIPE ON AN INDIVIDUAL BASIS THROUGH ARBITRATION, PROHIBITS YOU FROM MAINTAINING OR PARTICIPATING IN A CLASS ACTION LAWSUIT, WAIVES YOUR RIGHT TO A JURY TRIAL, AND LIMITS THE TIME IN WHICH A CLAIM MAY BE BROUGHT.

• Link E-Sign Disclosure. You agree to the Link E-Sign Disclosure. It provides that we will communicate with you electronically. Your electronic agreement has the same effect as if you sign in ink, and you agree to receive notices through our Consumer Services.

• Privacy Policy. You acknowledge the Privacy Policy. Stripe and the Business User are independent controllers of personal data collected in conjunction with the Consumer Services and will independently and separately determine the purposes and means of its processing of personal data. We may transfer your personal data to countries other than your own country, including the United States. Please read the Privacy Policy carefully to understand how your information is collected, used, and shared in connection with these Consumer Services. Learn more by reviewing Link's Privacy Center.

• Product-Specific Terms. A Consumer Service may have specific terms that apply when you use that particular Consumer Service. These product-specific Terms are listed in the left-hand menu.

• Acceptable Use Policy. Your use of a Consumer Service is subject to Stripe's Acceptable Use Policy.

We may revise these Terms from time to time. We will use reasonable efforts to notify you of material changes to these Terms in advance of their effectiveness, including by posting notice on the applicable Consumer Services or providing notice via an email address associated with you. The revised Terms will be effective on the date stated in the revised Terms. By using a Consumer Service after any revisions become effective, you agree to those changes. If you do not agree with any changes to these Terms, you must stop using the Consumer Services.

3. Eligibility

You may only enter into these Terms if you are over the age of majority and able to enter into a legally binding contract in the country in which you reside.

You must not use the Consumer Services if you have previously been terminated or suspended from using any of our services, including any Consumer Service. You may not enter into the Terms or use any Consumer Service if you are the target of government sanctions, such as those applied by the U.S. Department of the Treasury Office of Foreign Assets Control, or any other national government.

You must be eligible for the particular Consumer Services to the extent they are available in your country. If we present an incorrect country for you or you move countries, then you must correct the country in your account or contact support before using the Consumer Services again.

4. Stripe's Role

Stripe offers and provides you with the Consumer Services described in these Terms. You, and not Stripe, are responsible for the purchases you make using the Consumer Services. The Business User, and not Stripe, is responsible for the goods or services that you may purchase from them using the Consumer Services, including but not limited to quality of goods, returns, accuracy, refunds (except as stated in the Sold Through Link Terms), fraud, advertising, protection of intellectual property rights, liability relating to the Business User's products or services, or non-compliance with applicable law. If you purchased digital goods or digital services from a Business user that is stated as "Sold through Link" (each purchase, an "Order"), then Stripe may have additional responsibilities to you as described in the "Sold Through Link Terms".

Your access to and use of the Consumer Services does not change your relationship with the Business User, third party services or platforms or with your bank or credit or debit card company.

Except as provided otherwise in these Terms, Stripe will not intervene in any dispute between you and a Business User for any transactions using the Consumer Services. If you find yourself in a dispute with a Business User or a third party, we encourage you to contact the other party and try to resolve the dispute. If you choose to contact Stripe's support team regarding a Business User, you acknowledge that we may, but are not required to, forward information about your issue, such as your email address and a summary of your issue to the Business User with a request that they contact you directly to resolve your concern. Except as provided otherwise in these Terms, Stripe will not make judgments regarding factual disputes or legal issues or claims between you and the Business User, and Stripe has no obligation to resolve any disputes.

5. Identification and Prevention of Fraud

You agree that:

• Information you provide about yourself and your use of the Consumer Services must be complete and accurate as of the time provided, and you must keep this information up-to-date.

• To the extent law allows, we and our service providers may verify your identity, except as otherwise provided in product-specific terms.

• You must notify us immediately if you become aware of any unauthorized use or access to your account. You are responsible for any actions taken through the use of your credentials, except for actions taken after you have told us that your account or credentials have been compromised.

6. Communications via Text, Push Notification, Email, and Phone

To the extent allowable under law, by providing us with a phone number, you consent to receiving text (SMS) messages, push notifications, and phone calls from us. Such communications may include, but are not limited to, requests for authentication, receipts, reminders, notifications regarding updates to your account or account support, requests for product feedback, and marketing or promotional communications. You acknowledge that you are not required to consent to receive promotional texts or calls as a condition of using any Consumer Service. Call and text message communications may be generated by automatic telephone dialing systems. Standard message and data rates your cell phone carrier applies may apply to the text messages we send you.

You may opt-out of receiving promotional email communications we send to you by following the unsubscribe options on such emails or by managing your communications preferences in the app. You may opt-out of text messages from Stripe by replying STOP or by following instructions that you receive in the text message. You may opt-out of phone calls by notifying the caller or by contacting support. You acknowledge that opting out of receiving communications may impact your use of Consumer Services.

7. Our Intellectual Property Rights

We reserve all rights not expressly granted to you in these Terms. The Consumer Services are protected by trademark, copyright, patent and other laws of the United States and other countries. We own all rights, title, interest in and to the Consumer Services and all copies of the Consumer Services, and all Intellectual Property Rights in them. Your use of the Consumer Services is subject to these Terms, and these Terms do not grant you any rights to our Intellectual Property Rights or the Intellectual Property Rights of our licensors, licensees, or partners.

For the purposes of these Terms, "Intellectual Property Rights" means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights, and other intellectual property rights that may exist now or come into existence in the future, and all of their applications, registrations, renewals and extensions, under the laws of any state, country, territory or other jurisdiction.

8. Feedback

You may choose to submit feedback, ideas and suggestions about the Consumer Services, but it is never required. You may provide us with feedback on the Consumer Services by contacting support. You agree that we may use, integrate, and share all feedback, ideas, and suggestions you submit for any purpose and without compensation or obligation to you. You assign to us all rights, title and interest to any feedback, ideas and suggestions, including the right to use, modify and integrate them in any manner.

9. Termination

Termination by Us: We may terminate these Terms (or any part), and we may limit, suspend, change, or remove your access to any or all Consumer Services, including any feature or aspect of the Consumer Services, at any time for any reason. If commercially reasonable, we will take reasonable steps to notify you before taking any action that restricts your access to the Consumer Services. If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms, we may terminate these Terms at any time without notice to you and accordingly we may terminate your access to the Consumer Services.

Termination by You: Subject to any product-specific Terms below, you may terminate any Consumer Service at any time and for any reason by terminating the Consumer Service or closing or deleting your account as described below in the Link Account Terms. Termination will be effective on the date that your account is closed.

Effect of Termination. Upon termination, you will not have any further use of or access to the Consumer Services. Subject to applicable law, you will also not have any use of or access to any information you submitted through the Consumer Services, and all rights granted under these Terms will end. Termination does not relieve you of your obligations to pay amounts owed to Stripe, Business Users, or any other obligation contracted prior to termination. Termination does not revoke any third-party payment authorizations. The following provisions will survive even after these Terms terminate: Arbitration Agreement, Our Intellectual Property, Feedback, Disclaimer of Warranties, Limitation of Liability, Governing Law, Assignment and Third Party Beneficiaries, and Miscellaneous Terms.

10. Disclaimer of Warranties

You release Stripe from any claims, demands, and damages arising out of disputes relating to your use of the Consumer Services or your placement of an Order, including those disputes with other Business Users or parties.

We, our affiliates, and our respective agents, and contractors (together, the "Disclaiming Entities") make no warranties with respect to the products, services or information provided by Business Users to you. You agree, with respect to any claim regarding the products, service or information provided by Business Users to you, that the Disclaiming Entities are not responsible or liable for, and you release the Disclaiming Entities from all claims, demands and damages, including but not limited to: (a) product liability claims related to Business User products; (b) claims that the offer or sale of Business User products or services fails to conform to any applicable legal or regulatory requirement; (c) claims about Business Users' products, services, or practices arising under consumer protection or similar legislation; (d) claims based on any inaccurate, incomplete or out of date information offered by a Business User; (e) claims of infringement of intellectual property rights by the Business User; or (f) claims about any third party platform where you may interact with or purchase from. Your recourse for claims related to the products or services that you purchase from a Business User is against the Business User and not the Disclaiming Entities.

Subject to statutory consumer guarantees, which will apply irrespective of this disclaimer, the Consumer Services are provided "as-is" and without any representation or warranty, whether express or implied. The Disclaiming Entities and Business Users make no representation or warranty of any kind whatsoever (other than those implied by statute) with respect to the Consumer Services or the content, materials, information and functions we make accessible, and specifically disclaim all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. We do not promise that the Consumer Services will be uninterrupted, error-free, free from cyber attacks, or secure.

The Disclaiming Entities do not control or make any warranties regarding the products or services others or Business Users provide in connection with your Orders or the Consumer Services. In other words, we do not have control over the businesses from which you're purchasing when using the Consumer Services, and we do not promise or imply that the products or services you buy using the Consumer Services will work as promised or be safe to use.

Some laws limit or prohibit disclaiming the warranties referred to in the previous paragraphs, or impose obligations on us that we can't eliminate with these Terms. In those cases, this section (Disclaimer of Warranties) does not restrict, exclude or modify any consumer rights under any applicable law.

11. Limitation of Liability

The Disclaiming Entities and Business Users will not be liable to you for any failure to perform our obligation under these Terms due to a Force Majeure Event. A "Force Majeure Event" is any event beyond the control of the Disclaiming Entities that significantly impacts Stripe's ability to perform its obligations under these Terms, including a strike or other labor dispute; labor shortage, stoppage or slowdown; supply chain disruption; embargo or blockade; telecommunication breakdown; cyber blackout; power outage or shortage; inadequate transportation service; inability or delay in obtaining adequate supplies; weather; earthquake; fire; flood; act of God; riot; civil disorder; civil or government calamity; epidemic; pandemic; state or national health crisis; war; invasion; hostility (whether war is declared or not); terrorism threat or act; Law; or act of a Governmental Authority.

Subject to applicable consumer laws in your country, which will apply irrespective of this limitation of liability, the Disclaiming Entities will not be liable to you for any failure to perform our obligations under these Terms where performance of that obligation would have put us in violation of applicable law.

The Disclaiming Entities will not be liable to you in any circumstances for:

(a) Loss of business, loss of goodwill, loss of opportunity, or loss of profit; or

(b) Any loss that we could not have reasonably anticipated.

Subject to the specific product Terms below and applicable consumer laws in your country, in no event will a Disclaiming Entity's liability arising out of or in connection with these Terms exceed the greater of $200 USD or, if applicable, the amount you paid for the Order on which your claim is based.

You and we agree that the other has relied on the disclaimer of warranties and limitation of liability stated above in entering into these Terms, the limitation and disclaimer are essential to the agreement between you and us under these Terms, and they will apply to the fullest extent allowed by law.

Some laws restrict our ability to disclaim or limit our liability. In those cases, this section does not restrict, exclude or modify any consumer rights under any applicable law.

12. Governing Law

If you reside in the United States, California law will govern any claim or dispute between you and us that arises out of these Terms, regardless of conflict of law principles.

If you reside outside of the United States, your governing law is specified here.

13. Assignment and Third-Party Beneficiaries

You must not assign your rights or obligations under these Terms to anyone without our prior written consent. We may delegate performing our obligations, and we may assign our rights and novate our obligations under these Terms to Stripe affiliates, at any time for any reason by providing notice to you.

14. Miscellaneous Terms

These Terms, together with the Arbitration Agreement (if applicable), E-Sign Agreement, the Acceptable Use Policy, and the product-specific Terms below are the only agreement between you and us regarding the Consumer Services. In the event of an irreconcilable conflict or inconsistency between a provision in these Terms and any product-specific Terms below, the provision in the product-specific Terms will govern. These Terms do not create any partnership, joint venture, or other agency relationship between you and us. If we do not immediately exercise a right we have under these Terms, we do not waive that right. We retain our ability and right to enforce any part of these Terms at a later time. If any part of these Terms is found unenforceable, that part will be ignored, and all of the remaining terms will remain in effect.

15. Terms Applicable to Artificial Intelligence Commerce Platform Purchases

When you use Link to purchase goods or services from a Business User selling on an Artificial Intelligence (AI) commerce platform, you authorize your credit card, debit card, or other payment method on file with Link or the AI commerce platform to be charged for the purchase of those goods or services from the Business User.

You agree that Stripe, the AI commerce platform, or the Business User will obtain an authorization to cover the cost of the goods or services you have purchased from the Business User and that you will be charged for the goods or services purchased by you and any applicable taxes and/or fees.

The Business User, not Stripe or the AI commerce platform, is the seller of the goods or services to you. You agree that your purchase is being made from the Business User, that the Business User is the merchant of record, and that title to any goods passes to you when the goods are purchased from the applicable Business User. If you have an issue with your purchase or related delivery, you must contact the Business User from which your goods or services were purchased to resolve the issue. You agree that any returns or refunds for goods or services purchased using Link services are subject to the Business User's refund and return policies, which vary by Business User.

16. Contact

If you have a question about the Consumer Services or how these Terms apply to you, please contact support.

《Link 账户条款》

1. Link 账户说明

Link 是一个数字账户，可提供多种与支付相关的功能，包括保存您的信息以加快结账体验。已启用 Link 服务的商业用户（“Link 商家”）可能会询问您是否愿意保存您的信息，或使用您保存到您的 Link 账户（定义见下文）的信息，以便将来在 Link 商家之间付款。当您授权我们保存您的信息时，您即注册了 Link 账户（“Link 账户”）。您也可以通过访问 Link.com 直接注册 Link 账户。

我们如何使用您的 Link 账户信息

当您直接注册 Link 账户时，我们将收集并存储您的某些个人数据，例如：

1. 您的姓名、邮箱地址和手机号码（“账户信息”）；以及

2. 如果您选择提供，您的信用卡、借记卡、银行账户信息和计费地址（“支付信息”）。

当您创建一个 Link 账户作为 Link 加速结账服务的一部分时，我们将收集并存储您的某些个人数据，例如：

1. 您的账户信息；

2. 您的支付信息；

3. 您的收货地址（“收货信息”）；以及

4. 与您从 Link 商家处购买相关的信息，如订单日期、金额和产品详情（如名称、价格、照片）（“订单信息”）。

您的账户信息、支付信息、收货信息和订单信息（如适用）共同构成您的“已保存信息”。我们将根据 Link 隐私政策 使用我们收集的有关您的所有个人数据，包括开发和分析我们的服务，以及与我们的 Link 商家和商业用户共享。我们与 Link 商家和商业用户共享的数据可能包括：(i) 您拥有 Link 账户的事实，(ii) 您是否使用 Link 加速结账服务完成购买，以及 (iii) 您使用 Link 进行的购买所使用的支付方式类型。我们还可能与我们的金融合作伙伴共享您的账户信息，以帮助您从我们的金融合作伙伴那里获得服务。

当您登录您的 Link 账户时，我们或 Link 商家将使用 Cookie 或类似技术将您的网络浏览器、应用程序或设备（或有关您的网络浏览器、应用程序或设备的数据）与您的 Link 账户相关联，并在您通过同一网络浏览器、应用程序或设备访问该 Link 商家或其他 Link 商家时识别到您。您将能够通过输入您的电子邮箱地址并使用通过短信或电子邮件发送给您的通行密钥或验证码来登录您的 Link 账户以访问您的已保存信息。然后，当您在同一浏览器、应用程序或设备上登录我们时，您可以使用您的账户信息、支付信息和收货信息在 Link 商家之间进行购买。当您登录您的 Link 账户时，我们将向 Link 商家提供您的账户信息、支付信息和/或您的收货信息，以方便您更快地结账。如果您没有登录您的 Link 账户，例如因为您的会话已过期、您已清除您的 Cookie，或者您使用的设备与您上次访问 Link 时使用的设备不同，您可以通过上述相同的方法再次登录。

2. 您的权利和义务

• 您只能在我们这里保存您授权使用的支付信息。

• 当您登录您的 Link 账户并输入或使用新的支付方式（如不同的借记卡或信用卡，或不同的银行账户）时，您即授权 Stripe 将该新的支付方式信息保存到您的 Link 账户，作为您的支付信息的一部分。您上次用于成功交易的支付方式可能会成为您下次在 Link 商家的网站上交易时的默认支付方式。您也可以通过登录您在 app.link.com 上的 Link 账户来更改您的默认支付方式。

• 我们发送给您或您发送给我们的任何短信都可能产生短信和流量费用。如果您对短信套餐或流量套餐有任何疑问，请联系您的无线或移动服务提供商。

• 我们有权以任何理由（根据自身合理判断）随时修改或终止 Link 或其中的任何功能或工具。在合理的前提下，我们将尽量事先向您发出通知。

• 我们保留随时以任何理由拒绝向任何人提供服务的权利。

3. 更新或终止您的 Link 账户

• 除非您或我们终止《Link 账户条款》，否则这些账户条款将一直有效。您可以通过删除您的 Link 账户随时终止《Link 账户条款》。

• 如果您想删除您的已保存信息、您的 Link 账户或停止使用 Link 存储信息，请访问此页面并提交您的电子邮箱地址。

• 您可以在下次通过 Link 商家网站结账时管理 Link 账户上的已保存信息，或访问 https://support.link.com 获取更多说明。如果您更新了支付信息，即表示您授权 Stripe 验证并归档存储您的支付信息（包括您的信用卡）。

• 如果您或我们终止了您对 Link 账户的访问，我们将根据《隐私政策》删除您的已保存信息。

4. 添加或删除支付方式

• 您可以向您的 Link 账户添加或移除某些支付方式，例如信用卡、借记卡、先买后付 (BNPL) 账户或银行账户。在关联支付方式之前，您应该查看并了解您所在司法管辖区内不同支付来源的消费者保护权利和补救措施，例如美国的《电子资金转账法案》(EFTA) 和《公平信用票据法》(FCBA)。

• 如果您将先买后付账户添加到 Link 账户，该先买后付账户将在 Link 账户中保持登录状态。这意味着您无需单独登录到先买后付账户即可通过 Link 访问它。访问您的 Link 账户也意味着您可以访问您的先买后付账户。

• 请保持您的支付信息（例如信用卡号和有效期）为最新的。如果此类信息发生变更，您授权我们根据法律允许且符合规定的情况下，通过我们可用的信息和第三方来源自动更新，而无需您的任何操作。如果您不希望我们更新您的卡片信息，您可以从您的 Link 账户中删除您的支付信息。

• 将支付方式从您的 Link 账户中删除，不会取消或变更您拖欠 Link 商家或先买后付提供商的任何款项。具体而言，如果您从已保存信息中移除某种支付方式，这不会终止或取消您可能与先买后付提供商达成的任何未完成的支付计划，或您使用已保存信息向 Link 商家购买的任何订阅服务。您必须直接与 Link 商家取消订阅，并直接与先买后付提供商管理您的先买后付支付计划。

• 在适用情况下，我们可能会要求您将您的银行账户关联到您的 Link 账户，以便随后通过您的 Link 账户使用您的银行账户付款。您选择保存到 Link 账户的任何银行账户均称为“已保存银行账户”。无论 Stripe 是否参与后续交易，您都可以通过您的 Link 账户并根据《Financial Connections 条款》选择直接向商业用户提供您已保存的银行账户详情。我们将根据《Financial Connections 条款》和《Link 隐私政策》，从您的“已保存银行账户”（以及同一账户凭证下的其他账户）收集数据。我们可能会使用您的“已保存银行账户”的数据来验证您的“已保存银行账户”是否有效，检查您的余额以确认有足够的资金用于购买，简化您的付款请求，评估您是否有资格享受我们或我们的关联公司为您提供的消费服务。您授权我们向您希望保存到您的 Link 账户和当前“已保存银行账户”的银行账户存入一定金额或以其他方式向其打款，包括确定您的银行账户是否有效和活跃，以及用于促销和退款目的。

• 您每次使用 Link 账户通过已保存银行账户向 Link 商家付款时，即授权 Link 商家根据 Link 银行付款授权，从您的已保存银行账户中扣除您授权该商家收取的总金额（“总授权金额”）。您授权我们在您的银行拒绝原始扣款时，重新尝试从您的已保存银行账户中扣款。如果 Link 商家选择根据您的 Link 银行付款授权扣款，其可从您的已保存银行账户扣除低于总授权金额的款项，但累计扣款总额不得超过总授权金额。若您的已保存银行账户为美国银行账户，您同意您在本段的授权符合全美自动清算协会 (NACHA) 运营规则，且与您签署包含同等条款的纸质授权书具有同等法律效力。

• 如果您没有看到通过您的 Link 账户使用银行账户付款的选项，可能是因为 Link 商家不允许这些付款，或者 Link 商家或银行没有资格通过我们的消费者服务进行银行付款。如果您的银行账户交易失败，而没有实际尝试从您已保存银行账户中扣款，可能是由于我们判定该交易存在较高的退回风险（例如您的历史账户余额低于交易金额）。这有助于避免因资金不足而产生的银行费用。我们建议您使用不同的银行账户或支付方式，如有问题，也可与我们联系。通过银行账户付款还需遵守与您个人银行账户相关的条款、权益和保护措施。如果您使用银行账户作为支付方式，但账户内资金不足以完成购买，则银行可能会向您收取透支费用、资金不足费用或其他费用。

• 如果您在任何时候想撤销 Link 银行付款授权，或者您不再希望您的“已保存银行账户”成为保存到您的 Link 账户中的支付方式，您必须从您的 Link 账户中删除作为支付方式的“已保存银行账户”。如果使用您的“已保存银行账户”付款并非从您的 Link 账户发起，而是 Link 或 Stripe 将您的金融账户与该商业用户进行了关联，请参阅《Financial Connections 条款》或本页面，了解如何断开“已保存银行账户”的连接。

5. 备用支付方式

• 如果您的默认或选定的支付方式无法使用，或者使用该支付方式的交易不成功（例如由于您的已保存银行账户资金不足），Link 商家可能会使用保存到您的 Link 账户的任何其他支付方式（“备用支付方式”）启动交易。通常情况下，备用支付方式的交易尝试顺序如下（如适用）：(1) 已保存银行账户，(2) 借记卡和 (3) 信用卡。在某些情况下，会使用同类型的备用支付方式（例如，如果您的默认支付方式是银行卡，那么备用支付方式也可能是银行卡）。

• 我们将在您完成购买之前确定备用支付方式是否适用（例如在一次性结账期间或者在首次订阅购买期间的任何订阅支付）。

• 如果您不希望使用备用支付方式，您可以 (i) 不同意使用备用支付方式，或 (ii) 在您的 Link 账户上管理您的支付方式。

6. Beta 测试计划

如果您想访问最新的 Link 产品和服务，您可以通过您的 Link 账户中的设置参加 Link Beta 测试计划。当您加入 Link Beta 测试计划时，即表示您授权我们处理您的已保存信息，以确定您是否有资格使用我们的最新产品和服务。我们还可能向您发送有关新产品或服务可用性的通信。

7. 安全

• 我们非常重视对您的已保存信息的保护，并采取了技术和组织措施，以防止意外丢失和未经授权的访问、使用、篡改或披露。这些措施包括符合行业标准的做法和技术，以帮助维护您的数据的安全性、保密性和完整性。

• 虽然我们努力提供强大的安全保障，但没有任何系统是绝对无懈可击的。我们不能保证未经授权的第三方永远无法破解我们的安全措施或滥用您的已保存信息。我们鼓励您保持警惕，并承担保护您个人数据的责任，因为您知道提供这些信息需要自行承担风险。

• 在此处了解有关安全的更多信息。如果您有理由相信您的 Link 账户安全受到威胁，请立即通过 support.link.com/contact 联系我们。

8. 休眠账户

• 如果您的 Link 账户连续两年不活动，我们可能会认为该账户处于休眠状态，并可能会自行关闭您的 Link 账户（“休眠账户”）。

• 如果您连续两年没有进行以下任何 Link 账户活动，Link 账户将被视为休眠账户：

  • 在 Link 商家处使用 Link 进行支付或购买；
  • 添加、更新或删除任何您的“已保存信息”；
  • 启动账户设置变更或更新安全偏好；
  • 参与有关您的 Link 账户的客户支持，包括查询或争议；或
  • 登录您的 Link 账户并浏览或查看交易历史记录。

• 在关闭休眠账户之前，Stripe 会使用与您的 Link 账户关联的电子邮箱地址通知您。自我们向您发出通知之日起，我们将为您提供 30 天的期限，以便您登录并执行上述任何 Link 账户活动，重新激活您的 Link 账户。

• 如果 Stripe 在 30 天通知期后未收到回复或账户仍不活动，您的 Link 账户将被关闭。

9. 防止未经授权的交易（仅适用于美国消费者）

• 您可以通过登录您的 Link 账户查看显示您的 Link 账户交易和特定订单信息的 Link 账户对账单（“Link 交易记录”）。

• 为防止 Link 账户发生未经授权的活动，您应定期登录该账户并查看您的 Link 交易记录。您应审查交易详情，以确保每笔交易经过授权并准确完成。

• Stripe 将帮助您阻止您的 Link 账户被用于发起未经授权的交易。在实施上述保护时，您只需与我们合作并遵循下述程序，Link 将提供未经授权活动的全额保障。

• 什么是未经授权的交易？“未经授权的交易”是指您的 Link 账户被用来通过美国银行发行的借记卡或美国银行账户进行未经您授权且未以您为受益者的消费。例如，如果有人窃取或以欺诈方式获得您的 Link 账户的访问权，并使用该账户通过已保存的美国借记卡或已保存的美国银行账户进行购物，则视为未经授权的交易。

• _什么不被视为未经授权的交易？_以下情况不被视为未经授权的交易：

  • 如果您授权他人使用您的 Link 账户（通过提供登录信息），而对方超出了您授予的权限。在这种情况下发生的交易，您需自行承担责任，除非您已事先通知 Stripe 您不再授权该个人进行交易。
  • 使用已保存银行账户（包括通过 Stripe 的支付处理服务）进行的其他未经授权的购买，但这些购买并非通过您的 Link 账户发起。对于此类未经授权的购买，请联系您的金融机构报告未经授权的活动。

• 报告未经授权的交易。

  • 如果您认为您的 Link 账户已被泄露，请立即通过 support.link.com/contact 或致电 1-888-820-7551 与 Link 客户支持部门联系。
  • 如果您认为有人未经您的许可使用您的登录信息或以其他方式进行电子资金转账，请立即告知我们。如果您在收到显示您未进行转账的 Link 交易记录后的 60 天内通知我们，则您可能有资格获得未经授权交易的全额退款。

10. 错误解决（仅适用于美国消费者）

• 什么是错误？“错误”是指以下情况：

  • 上文定义的“未经授权的交易”。
  • 当您的 Link 账户中的交易记录有误时。
  • 您发送了一笔付款，但从您的 Link 账户中扣除的金额有误。
  • 您的 Link 账户被错误地贷记了金额。
  • 您的 Link 交易记录中缺少某笔交易或无法正确识别交易。
  • 我们犯了一个计算或数学错误，与您的 Link 账户相关。
  • 您请求获取 Stripe 必须向您提供的 Link 交易记录。
  • 您请求了解 Stripe 必须向您提供的 Link 账户预授权（经常性）转账的相关信息。
  • 您请求有关从您的 Link 账户转账的其他信息或说明，包括您要求确定是否发生错误。
  • 您从您的 Link 账户查询待处理转账的状态。

• _什么不被视为错误？_以下情况不被视为错误：

  • 如果您允许他人访问您的 Link 账户（通过向他们提供您的登录信息），并且他们在您不知情或未经您许可的情况下使用您的 Link 账户。对于在这种情况下进行的交易，您需自行承担责任。
  • 出于税务或其他记录保存目的，请求复制文件或其他信息。

• 如果您的电子转账出现错误或问题

  • 请致电 1-888-820-7551，通过 support.link.com/contact 联系我们，或写信至
    Link │Built by Stripe
    Stripe, LLC
    354 Oyster Point Blvd.
    South San Francisco, CA 94080
  • 如果您认为您的对账单或收据有误，或者您需要关于对账单或收据上所列转账的更多信息，请尽快通知我们。您必须在 Link 交易记录中出现问题或错误后的 60 天内告知我们。1. 告诉我们您的姓名和账号。2. 描述错误或您不确定的转账，并尽量清楚地解释为什么您认为有错误或为什么您需要更多信息。3. 告诉我们您怀疑有误的金额。
  • 如果您口头告诉我们，我们可能会要求您在 10 个工作日内以书面形式向我们发送投诉或问题。
  • 我们将在收到您的来信后 10 个工作日内确定是否发生错误，并及时纠正任何错误。
  • 我们将在调查完成后告知您结果。如果我们认定未发生错误，则您将收到一份书面说明。您可以要求我们提供在调查过程中使用的文件的副本。

Link Balance Terms

1. Registration, Access, and Use

You must sign up for a Link Account or have an existing Link Account to use Link Balance. You will need to complete certain verification procedures before you are permitted to use Link Balance. Your Link Account will be the sole means of accessing your Link Balance.

By using Link Balance, you agree that you will use Link Balance only for yourself, and not on behalf of any third party. You are fully responsible for all activity that occurs on your Link Account, including Link Balance activity. You are solely responsible for maintaining the security of your device and your Link Account credentials. Link is not liable for any loss or liability resulting from unauthorized access to your Link Balance that occurs as a result of your failure to keep your credentials or device secure, or due to a compromise of your device, email, or phone number.

2. Custodial Services and Ownership

As part of your Link Balance, Link will provide qualifying users a custodial wallet to hold your Supported Digital Assets. Bridge (a Stripe company) is the custodian of your Supported Digital Assets. By providing instructions relating to your Supported Digital Assets through your Link Account (e.g., the instruction of a withdrawal), you are providing instructions directly to Bridge.

By using Link Balance, you agree to be bound by the Bridge User Terms found here. You are ultimately legally responsible for all transactions and risk of loss. As long as you continue to hold Supported Digital Assets in your Link Balance, Bridge will retain control over electronic private keys associated with blockchain addresses operated by Bridge, including the blockchain addresses used to hold the Supported Digital Assets credited to your Link Balance.

Bridge will not receive title to any Supported Digital Assets; you will retain title to Supported Digital Assets in compliance with applicable law. As owner of the Supported Digital Assets in your Link Balance, you will bear all risk of loss (including due to fluctuations in asset value or fraudulent or unauthorized transactions) of such Supported Digital Assets.

3. Balance Information

You will be able to view and manage your Link Balance on the Link app. Information you will be able to view include: (i) the amount (and currency) of each Supported Digital Asset transaction; (ii) a reference and description of the Supported Digital Asset transaction; (iii) if applicable, any fees charged; (iv) if applicable, the rate of exchange, and the amount (in the new currency) after exchange; and (v) the date of each Supported Digital Asset Transaction.

4. Withdrawals from Link Balance

You may withdraw your Supported Digital Assets by instructing Bridge (via your Link Account) to debit the applicable Supported Digital Asset from your Link Balance and convert the Supported Digital Assets to fiat currency for deposit into your personal bank account. Withdrawal requests may be subject to outages, downtime, time to conduct blockchain operations to fulfill your request, and other applicable policies. You are responsible for risk of loss arising from incorrect instructions provided to Link and Bridge. Once you have initiated a withdrawal, you cannot cancel or reverse it.

We make no guarantees regarding the amount of time it may take to complete a transfer or withdrawal of Supported Digital Assets. You acknowledge that the blockchain networks underlying the Supported Digital Assets are decentralized and outside of our control. Network congestion, high transaction volumes, or issues with the underlying protocol may cause transactions to be delayed, suspended, or fail. Link and Bridge are not responsible for any losses or damages caused by such delays or failures.

5. Fees

By using Link Balance, you agree that Link may charge fees, including service fees, pass-through fees from sub-processors, gas fees, foreign exchange fees, and any other fees associated with the storage and withdrawal of the applicable Supported Digital Asset in your Link Balance (collectively, “Fees”). You grant Link a standing authorization to automatically deduct all applicable Fees directly from your Link Balance or from the proceeds of a specific transaction at the time the liability is incurred, without further notice to you. Fees may be debited from your Link Balance for a specific transaction and will be reflected in your Link Balance information.

6. Supported Digital Assets

Link Balance currently supports USD Coin (“USDC”) and may support other digital assets in the future (“Supported Digital Asset”). USDC is issued by Circle and pegged to USD at a 1:1 ratio.

7. No Deposit Insurance

You acknowledge that your Link Balance is not a bank account or a deposit account. Supported Digital Assets held in your Link Balance are not legal tender, are not backed by any government, and are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other governmental agency.

8. Operation of Digital Asset Protocols

Link does not own or control the underlying software protocols which govern the operation of the Supported Digital Assets. Link assumes no responsibility for the operation of the underlying protocols and does not guarantee the functionality or security of network operations. In particular, the underlying protocols may be subject to sudden changes in operating rules (including “forks”). Any such operating changes may materially affect the availability, value, functionality, and/or the name of the Supported Digital Assets in your Link Balance. In the event of any such operational change, Link reserves the right to take such steps as may be necessary to protect the security and safety of Supported Digital Assets held in your Link Balance, including, without limitation, temporarily suspending operations for the involved Supported Digital Assets. Link will use commercially reasonable efforts to provide you with reasonable prior notice of its response to any material operating change.

9. Payment Service Partners

Link may use a third-party payment processor to process withdrawal requests from your Link Balance to your local bank account. Link may add or change third party payment processors for the purposes of providing the Link Balance services at any time.

10. Dormant Account Unclaimed Property

For the avoidance of doubt, Dormant Account terms of your Link Account apply to your Link Balance. Following Dormant Account notification, applicable law may require Bridge to deliver unclaimed Supported Digital Assets held in your Link Balance to the applicable governmental authority as unclaimed property.

11. Suspension, Termination, and Cancellation

Link may suspend, restrict, or terminate your access to Link Balance, and may instruct Bridge to suspend any transfer of any Supported Digital Assets, with immediate effect for any reason at our sole discretion and is under no obligation to disclose the details of its decision to you.

In the event your access to Link Balance has been terminated, you will be permitted to transfer Supported Digital Assets associated with your Link Balance for thirty (30) days after notice of termination unless such transfer is otherwise prohibited under applicable law. If your Supported Digital Assets are not transferred following termination of your Link Balance, your Supported Digital Assets may be subject to applicable escheatment laws. Link is not responsible for any liability or loss you may incur resulting from suspension or termination of Link Balance under these terms.

12. Verification Procedures

Link is required to identify users registering for and using Link Balance. This ensures Link remains in compliance with applicable KYC/AML laws, which is necessary to continue offering Supported Digital Asset and Link Balance services to our customers. Link collects and verifies information about you in order to: (i) protect Link and the community from fraudulent users; and (ii) to keep appropriate records of Link's customers. Link may require you to provide or verify additional information, engage in enhanced due diligence, or to wait some amount of time after completion of a transaction, before permitting you to use any Link Balance service and/or before permitting you to engage in transactions.

Financial Connections Terms

We provide a Consumer Service that allows you to connect your financial accounts to easily share your financial account data with Stripe and our affiliates (and to the extent identified, our Business User with which you are interacting), so that you can receive better product experiences. These Financial Connections Terms, along with the Consumer Terms of Service, apply when you use this Consumer Service.

When you interact with a Business User that has enabled this Consumer Service, we will ask you to connect one or more of your financial accounts. If you agree to connect your financial accounts with us, Stripe will collect data from those financial accounts (associated with the login information you provide) for account selection and as reasonably necessary to provide this Consumer Service. We will only provide the Business User with the data categories (and related insights) requested by the Business User for the specific accounts you choose to share with the Business User.

Your financial account data is either provided directly by your financial institution, or collected by us or our third party partners by collecting, storing and using your login information (such as your username and password). We refer to these financial institutions and partners as "Data Sources." Finicity Corporation is one of our Data Sources, and their terms are available here and incorporated into these Financial Connections Terms by this reference. Where our Data Sources enable us to control the specific accounts to which Stripe accesses data, Stripe will not collect data except from the specific accounts you select.

When you agree to connect your financial account using this Consumer Service, you consent to the collection, use, and retention of your financial account data (including personal data) for that financial account. Once connected to your financial account(s), we and our Data Sources will regularly collect, use, and store the following types of data from your financial accounts:

• Account owner information, including contact information (such as your name and address);

• Account balances, including current and pending balances;

• Account details, including your account type and bank, and account numbers and related identifiers (e.g., routing numbers);

• Account transactions, including balance, transaction date, payee, location, transaction, description, and amount.

Among other things, we may use your data to:

• Verify your financial account;

• Facilitate the processing of your requested payments;

• Mitigate fraud, financial loss, or other harm to you, our Business Users, and us;

• Assess your eligibility for and offer you our other products or services;

• Analyze, develop, and update this Consumer Service and our other products and services;

• Provide you customer support;

• Comply with law, and enforce our terms; and

• For other purposes consistent with your consent and applicable law.

For example, we may use your financial account data to decrease the likelihood that you are charged with insufficient funds fees or experience an ACH return and to assess your eligibility for and offer you Consumer Services that we or our affiliates provide. Please review the Financial Connections FAQs to learn more. We will use your personal data in accordance with our Privacy Policy.

We will only provide the Business User the categories of financial account data (including related insights) that the Business User requests and with your permission. Please remember, however, that our Privacy Policy covers our privacy practices, and not our Business Users' privacy practices. Business Users may use your financial account data, for example, to verify that your account is valid and to check your account balance.

In some cases, we and our Data Sources collect and store your financial institution login information, depending on the type of connection that we have with your financial institution. You authorize, and represent that you have the lawful right to authorize, us and our Data Sources to log into and access the data in your connected financial account(s) for the purposes described above. In order to provide you a better experience, you also authorize Stripe or our Data Sources to save, to remember, to trust or to take a similar action for account logins solely by Stripe or our Data Sources. We or our Data Sources may also be notified that account login is pending your action (such as your entry of a multifactor authentication code). We may prompt you to complete that action directly in your financial institution's application. This Consumer Service is not endorsed or sponsored by any financial institution whose account(s) are accessible through this Consumer Service, and we are not an agent of those financial institutions.

We will only provide the Business User with the data categories (and related insights) requested by the Business User for the specific accounts you select to share with the Business User. Otherwise, we disclose your financial account data and login information only to our trusted service providers and to the Data Sources only as necessary to provide this Consumer Service. We have implemented security controls that are designed to safeguard your data. To learn more, please visit https://stripe.com/docs/security/stripe.

If you want to disconnect your financial account from access by the Business User, you may do so through our disconnection form. Once your financial account has been disconnected, the Business User cannot access any subsequently refreshed financial account data from Stripe. Disconnecting your account or deleting your personal data from Stripe may not cancel or stop payments (including recurring payments) that you have already authorized. If you would like to request our Business User to cease debiting your account or to delete any copies of your data they obtained through this Consumer Service, please contact the Business User directly.

Stripe typically does not collect additional information from your disconnected financial account. In some cases, however, our Data Sources (or your financial institution) do not enable us to cease collecting your financial account data until all accounts associated with the applicable login information have been disconnected. You can also use our disconnection form to request that we disconnect all accounts and to delete the financial account data we obtained (and associated login information, if we have collected them).

You may choose for us to save your financial account for future use across our eligible Business Users, including when you check out on their websites and applications. When you authorize us to save your financial account to Link, you are signing up for Link and creating a Link Account, and we will collect and store certain personal data from you, such as your name, email address, and mobile phone number. Please see the Link Account Terms for more information about Link Accounts.

身份条款

如果您同意将您的身份信息保存至您的 Link 账户或使用您的 Link 账户验证您的身份，则您可以选择在未来使用您的 Link 账户与 Stripe 或其他符合条件的商家（即我们的商业用户）共享您的身份验证数据。这些身份验证数据可能包括您提供的个人数据（如驾照或护照照片）以及我们的验证结果（包括洞察）。

我们会将您提供的信息与我们从商业用户、合作伙伴、身份验证服务提供者和公开可用来源收集的有关您的信息进行比较，从而生成验证结果。如果您同意我们使用您的身份证件和照片验证您的身份，则验证结果将依据我们从您的图像中生成并存储的生物识别标识符。了解更多。Stripe 将使用这些信息作为控制者来验证您的身份。

出于多种原因，Stripe 或商业用户可能会要求您验证身份，包括出于监管合规目的、确认您尚未拥有账户或确认您已被授权使用某支付方式。在 Stripe 出于自身目的要求核实您身份的范围内，我们可能会这样做，包括遵从我们自身的法律义务，以及出于防止损失和欺诈以及安全目的。

将身份信息保存至您的 Link 账户或使用您的 Link 账户进行身份验证带来的一个好处是，您未来可能无需向其他商业用户重新提交身份信息。相反，同意与特定商业用户共享您保存在 Link 账户上的验证数据意味着，您可能能够更迅速、更便利地进行身份验证。在您同意通过您在 Link 上保存的数据进行身份验证之前，我们将告知您 Stripe 是否会使用您的验证数据或与该商业用户共享。如果您同意与商业用户共享您的验证数据，则应注意该商业用户是您的验证数据的独立控制者，其对您的数据的使用须遵守商业用户的隐私政策。

如果您想从您的 Link 账户中删除您的身份信息，则请查阅此处的相关操作说明。如果您选择从 Link 账户中删除您的身份信息，请注意 Stripe 或商业用户可能仍持有您的验证数据。如果您想请求商业用户删除他们通过本终端用户服务获得的您的个人数据副本，请直接联系商业用户。

通过 Link 销售条款

当您从商业用户处购买注明为“通过 Link 销售”的数字商品或数字服务时（每次购买均称为“订单”），则《通过 Link 销售条款》和《购买条款》（如下）适用于您。如果您使用 Link 管理订单并获得订单支持，则以下买家服务条款对您适用。消费者服务条款适用于《通过 Link 销售条款》，您也应审查这些条款。基于您所在地点，《国家或地区特定条款》中所述的附加条款可能适用于您。如果您不同意《通过 Link 销售条款》或任何适用于您的附加条款，请不要完成您的订单。

当您下订单或使用买家服务时（如下文《买家服务条款》所述），如果与任何消费者服务条款或 Link 账户条款发生冲突，则以本《通过 Link 销售条款》为准。

我们如何使用您的信息
您授权我们（“我们”、“我们的”或“Stripe”）和我们的关联公司根据我们的《隐私政策》使用您提供给我们的个人数据。此外，您还授权我们和我们的关联公司将您的个人数据用于向您提供买家服务、向商业用户提供 Stripe Managed Payments 服务以及促成您向商业用户下单。我们和我们的关联公司可能会访问、使用、存储和披露您提供的与您的订单相关的信息，以：(i) 遵守法律，(ii) 执行《通过 Link 销售条款》，(iii) 检测、预防和解决欺诈，(iv) 在需要时收取和征收间接税，(v) 响应您的支持请求并解决技术或安全问题，以及 (vi) 保护我们的、我们关联公司的、商业用户的和公众的权利、财产和安全。您授权我们和我们的关联公司与商业用户共享所有与订单相关的信息，包括但不限于您的联系信息（例如姓名、电子邮箱地址、电话号码等）、计费和收货地址、支付信息、税务识别号和订单详细信息（例如订单日期、价格等）（统称为“订单数据”），并且商业用户将有权访问您的订单数据。商业用户可以向您提供您的订单数据（例如在他们自己的客户管理平台），并且该订单数据将根据商业用户的隐私政策予以使用和存储。

国家或地区特定条款
如果本节中适用于您的条款与本《通过 Link 销售条款》或《消费者条款》中的其他条款相冲突，则以本节中的条款为准。

购买条款

这些《购买条款》是《通过 Link 销售条款》的一部分，在您下订单时适用。根据《消费者服务条款》，Stripe 及其附属机构为您下订单提供便利的行为属于消费者服务。

Stripe 的关联公司 Lemon Squeezy LLC（以下简称“Link SMP”）是《通过 Link 销售条款》的第三方受益人。

Stripe 的角色
Link SMP 为商业用户提供 Stripe Managed Payments 服务。出于税收目的，Link SMP 向您提供的唯一产品是商业用户的产品。这意味着，当您下订单且支付成功时，Link SMP 使您能够获得产品。

商业用户仍对您通过 Link SMP 购买的产品负责，包括交付（除非由 Link SMP 履行）、商品质量、退货、准确性、欺诈、广告、知识产权保护、与商业用户的产品或服务相关的责任以及遵守适用法律。您有责任审查并遵守适用于您通过订单购买的产品的条款和条件。

下单和付款
下单时，Link SMP 将从您选择的支付方式中扣除或扣取订单费用，这笔费用会反映在您的银行卡、银行或支付方式的账单上，显示为“Link.com * [商业用户名]”或类似的“订单付款”。您只能使用在结账页面中所支持的支付方式进行支付，具体支付方式可能因您所在地区而有所不同。某些订单可能需要先授权您的支付方式，然后在授权后进行实际扣款，例如包含首次免费试用期的订阅订单或预购订单。如果您的支付方式不支持预授权，那么在下单时您的支付方式将会被扣款。您用于购买订单的支付方式将用于后续的订阅支付。

Link SMP 或其关联公司可能请求并收取以下任何信息，以便为订单计算适当的间接税（销售税、增值税、商品及服务税等）：您的计费信息、发货信息和税号。Link SMP 或其关联公司可能会出于欺诈、安全和产品改进等原因使用订单数据。您的订单付款将由 Link SMP 的关联公司使用您在结账时选择的支付方式进行处理。您向 Link SMP 或其关联公司支付的款项将用于履行您对商业用户的订单支付义务。如果您的订单需要缴纳间接税，您应负责支付此类间接税，在 Link SMP 或其关联公司需要收取此类间接税时，这些间接税将作为您订单付款的一部分。

您，而非 Link SMP 或其关联公司，应负责您的银行或支付方式所使用的与订单交易流程相关的任何费用或附加费用（如国外交易费或跨境费用）。买家服务（如 Link 客户支持服务）无法协助您处理与这些费用或附加费相关的争议。

被拒绝或取消的订单
如果 Link SMP 及其关联公司有理由相信存在涉嫌欺诈、安全风险或违反 Stripe 条款或政策的情况，则可以拒绝或取消任何订单。Link SMP 及其关联公司还保留拒绝或取消异常订单、基于实际或可疑错误而产生的订单或 Link SMP 或其关联公司怀疑是恶意下达的任何订单的权利。对于因实际或可疑错误而取消的订单，Link SMP 将退还您实际支付的金额。如果您的订单超出了所购产品的数量限制，Link SMP 及其关联公司可能会拒绝或取消您的订单。

客户支持
有关订单的问题，请通过 https://support.link.com/topics/sold-through-link. 与我们联系。我们保留将您转至商业用户的权利。有关您在订单中购买的产品的使用问题，请直接联系商业用户。我们不提供与产品相关的客户支持服务（例如如何使用产品）。

退货和退款
您可联系客户支持发起退款请求。订单退款将视具体情况而定，如果有证据表明存在欺诈、滥用退款或我们退款政策中所述的其他不当行为，Link SMP 可能会拒绝退款。您应审查《Link SMP 退款政策》以及您下订单的商业用户的退款政策。如果您下订单的商业用户的退款政策比我们的退款政策更严格，则以我们的退款政策为准。除非法律要求，否则我们不会为未使用的订阅期或您改变主意的订单提供退款。

我们将基于您提供给我们的信息评估您的退款申请。我们有时可能会请求您提供有关订单的其他信息。如果您未在合理要求的时间内提供其他信息，您的退款可能会被拒绝。

如果通过您的订单购买的产品与描述明显不符、有缺陷或不适合用途，则作为消费者，您可能对商业用户享有额外的权利。

订阅迁移
Link SMP 保留将您通过订单购买的订阅服务转移或转让给关联公司的权利，该关联公司将承担 Link SMP 在这些《购买条款》下的责任和义务。

如果商业用户（您通过订单从其处购买了一个或多个订阅服务）提出请求，Link SMP 可能会在向您发出通知（“转移通知”）后将这些订阅转移或转让给该商业用户。转移通知将说明适用订阅的转移或转让日期以及任何其他相关信息。您授权并同意转移通知中所述的订阅转移。除非转移通知中另有说明，否则我们和 Link SMP 在《通过 Link 销售条款》下的所有义务将在转移通知发出之日立即终止。

如果商业用户将您的订阅转移或转让给我们和 Link SMP（“订阅转移”），则从该订阅转移日期起，您承认并同意：(a) 您与商业用户的订阅现在被视为已完成的订单，(b) 您授权 Link SMP 从您选择的支付方式中为订单收款或扣款，以及 (c) 您同意受《通过 Link 销售条款》的约束。

货币选择
Link SMP 可能会让您选择以 Link SMP 的默认货币（“默认货币”）或 Link SMP 预测的您的本地货币（“本地货币”）（“Adaptive Pricing 服务”）支付订单。用本地货币支付是可选的，您可以选择用默认货币支付订单。将默认货币转换为特定订单的本地货币所使用的汇率是从 Link SMP 的第三方供应商处获取的，并包含了溢价以确保在结账时的汇率（“适用汇率”）。

对于您选择以本地货币支付的订单，涉及：
A. 一次性购买，适用汇率在最终结账页面以本地货币显示支付总额时确定。
B. 订阅，适用汇率在您订阅计费周期的每个支付日通过使用该支付日默认货币价格的等值本地货币来确定。因此，由于适用汇率可能不同，您每次订阅支付的本地货币金额可能不同。要更改订阅所选的支付货币，您必须取消现有订阅并重新订阅。

Link SMP 不收取任何其他费用、税费或附加费，但您的银行卡发卡行可能会向您收取额外费用。如果您决定退还以本地货币支付的订单，退款将适用相同的适用汇率。

Adaptive Pricing 服务不会将一种货币兑换为另一种货币，只能用于支付订单。Link SMP 可以随时更改 Adaptive Pricing 服务的条款和条件。您支付时生效的条款将适用于该交易。

买家服务条款

我们为您提供服务，使您能够在单个全球门户中管理和接收作为 Link 账户一部分的订单支持（“买家服务”）。除非本《买家服务条款》中另有规定，否则我们为您提供下单后服务，包括访问您的交易历史记录、收据、订单相关客户支持、您与商业用户之间就任何订单产生的争议的客户支持，以及申请退款的流程。

本《买家服务条款》是《通过 Link 销售条款》的一部分，与《消费者服务条款》和《Link 账户条款》一起适用于您通过 Link 账户使用买家服务。Link 账户条款适用于买家服务，您也应查阅这些条款。

您对买家服务的使用。
您可以通过注册 Link 并创建 Link 账户来访问您订单的买家服务。如果您已有 Link 账户，买家服务将自动添加到您现有的 Link 账户中。如果您还没有 Link 账户，您可以创建一个 Link 账户，并可以选择（但不要求）保存您的支付信息，以便在 Link 商家之间获得加速结账体验。如果您选择不保存您的支付信息，那么我们不会使用 Cookie 来识别您在 Link 商家网站上获得加速结账体验的设备。买家服务仅适用于通过 Link SMP 进行销售的商业用户的订单。

您访问和使用买家服务不会改变您与商业用户、第三方服务或平台，或与您的银行、信用或借记卡公司的关系。

将订单关联到您的 Link 账户
仅当订单上的电子邮箱地址和您的 Link 账户使用的电子邮箱地址完全一致时，订单才能关联到您的 Link 账户。买家服务仅适用于成功关联到您的 Link 账户的订单。

管理您的 Link 账户
如果您拥有通过买家服务管理的产品的持续订阅订单，则您的 Link 账户被视为活跃账户。当我们或我们的关联公司提出请求时，您必须在请求规定的时间内向我们提供有效且最新的个人信息。

订单的争议、退货、退款和客户支持
有关您订单的任何争议、退货和退款问题，请参阅上述《购买条款》中的“客户支持”和“退货和退款”部分。

订阅管理
要更改、管理或取消您通过订单购买的订阅，请通过您在 Link.com 上的 Link 账户进行操作。您应该查阅商业用户的订阅政策。如果您提交删除 Link 账户的请求，则您通过订单购买的任何正在进行的订阅将在删除您的 Link 账户时被取消。您负责支付商业用户因取消订阅而收取的任何取消费用或其他罚款。