运营主体：Shynease Global Holdings Limited（Hong Kong）
本《支付与服务结算协议》（以下简称“本协议”）是 《用户服务条款》 的专项补充，适用于您通过 LaoBiz.com（以下简称“平台”）就服务商品、企业情报服务及其他收费项目进行下单、付款、退款与结算。下单或完成支付即表示您已阅读并同意本协议。
本协议与服务条款不一致时，就付款、结算、退款及交付条件，以本协议及对应订单记载为准。
一、适用范围
本协议适用于以下场景（含后续以同等方式上架的收费项目）：
- 标准化情报服务：例如企业联系方式核验解锁、企业档案（平台信息报告 / 调取详细工商税务档案）等，页面展示起步价或一口价，以美元计价；
- 顾问协办类服务：公司注册、许可、签证、财会、数字化等，多为“依服务报价”，顾问确认应付金额后再付款；
- 其他服务商品：平台服务中心已上架、支持登录下单的收费项目。
免费浏览公开企业页、提交一般咨询（未形成应付订单）不构成本协议项下的付款义务。
二、订单、价格与应付金额
- 您须登录平台账户下单。订单号（如 SO 开头编号）为双方核对交付与收款的凭证。
- 商品标价分为：一口价（fixed）、起步价（from）、询价（quote）。币种为 美元（USD），页面金额未含您所在司法辖区可能另行征收的税费，除非订单另有说明。
- 一口价：应付金额以订单生成时快照为准。
- 起步价：页面“美金 $xx 起 / from USD xx”为最低应付 / 预收。客服沟通时会告知可交付效果与最终价格。若效果或最终价格不符合双方需求，您可选择退款，或补齐款项后按确认范围继续履约。若实际核验、调档、翻译、加急或主管部门规费超出起步范围，顾问将在履约前书面确认差额。未确认的加价部分，您可选择仅按已付范围接受交付，或取消未履行部分（已产生的合理成本按第五条处理）。
- 询价：下单后为“待确认金额”。顾问评估需求后写入应付金额，您可在用户中心看到应付数字后再支付。未确认金额前，平台无义务开始收费履约。
- 企业情报类当前对外展示口径（如有调整以商品页及订单快照为准）：联系方式解锁起步价约 USD 9.9；企业档案入口起步价约 USD 29.9（平台已有信息整理与向主管机关调取详细档案为不同档位，调档周期与规费可能另计）。
三、支付方式
- 在线支付由 Airwallex（或平台届时公示的同等持牌支付机构）处理。银行卡等敏感支付数据由支付机构采集与处理，LaoBiz.com 不存储完整卡号、CVV 或支付密码。
- 支付成功以支付机构及平台服务器核验为准（webhook / 查询 PaymentIntent），不以浏览器跳转本身作为唯一依据。跳转回用户中心后可能短暂显示“确认中”。
- 您也可按顾问指引通过对公转账、Wise 等线下方式付款；到账后由平台在订单中标记已收款，效力与在线支付成功相同。
- 您应使用本人或已获授权的支付工具。因盗刷、拒付（chargeback）导致的损失，平台有权暂停履约、追索合理费用并配合支付机构调查。
四、履约、交付与不保证事项
- 付款后开始对应服务。标准化情报服务在支付成功（或顾问确认已收款）后进入履约；询价类在金额确认并付款后进入履约。顾问仍可能要求补充材料。
- 联系方式解锁：指人工核验公开渠道及合理回访后，回传当时可用的电话 / 邮箱 / 社交账号。这不等于官方登记证明，也不保证一定存在有效号码。经合理核验仍无法取得可用联系方式的，平台将按订单说明办理失败档：全额或扣除已发生成本后退款，或与您协商升级为企业档案等其他档位。
- 企业档案：平台信息报告整理自本站已有公开字段，不保证与主管部门最新档案逐字一致；调取详细档案依赖于窗口开放、材料与规费，周期与费用可能超出起步价，须另行确认。
- 涉及政府审批、许可、签证等协办服务：平台提供材料整理、路径说明与合法渠道协助，审批结果由主管机关决定。平台不承诺审批通过，不替代律师或持牌专业意见。
- 交付通过用户中心订单进度、附件或双方约定的电子渠道完成。电子交付视为已履行，除非订单另有书面约定。
五、退款与取消
- 因您提供虚假材料、违法用途、拒不配合核验，或支付机构判定欺诈而取消的，已付费用可不予退还。
- 服务尚未实际开始（未消耗核验/调档工时、未向第三方支付规费）且您在付款后 24 小时内书面取消的，可申请全额退款；已开始的，按已发生合理成本结算后余额退回。
- 起步价预付订单经客服沟通后，若可交付效果或最终价格不符合双方需求，您可选择退款或补齐款项后按确认范围继续；已发生的合理核验成本按上款结算。
- 因平台原因无法按订单主要范围交付的，您可选择改期、改档或退还未履行部分对应价款。
- 退款原路退回支付账户，到账时间取决于发卡行或支付机构，通常数个工作日至更长。退款成功后订单支付状态记为已退款。
- 主管部门规费、第三方窗口费、已发生差旅等代垫费用，除因平台过错外，一般不予退还。
六、发票与税务
如需发票或付款凭证，请在订单留言中注明开票主体与税务信息。税费承担以订单约定及适用法律为准。香港以外地区用户自行处理当地申报义务。
七、个人信息
为完成收款与反欺诈，平台及支付机构将处理订单号、金额、联系方式及支付机构回传的交易状态。详见 《隐私政策》。
八、协议更新
本协议在本页公布，并标注生效日期。对已成立且已付款的订单，除法律另有要求或双方另行同意外，适用下单当时的协议版本。
九、适用法律
本协议适用法律及争议解决方式与 《用户服务条款》 一致。强制性消费者权益规定优先适用。
联系我们
Operator: Shynease Global Holdings Limited (Hong Kong)
These Payment and Settlement Terms (the “Terms”) supplement the Terms of Service and apply when you place, pay for, refund or settle paid items on LaoBiz.com (the “Platform”). By placing an order or completing payment you confirm that you have read and agree to these Terms.
If these Terms conflict with the general Terms of Service, these Terms and the relevant order govern payment, settlement, refunds and delivery conditions.
1. Scope
These Terms cover:
- Standard intelligence services such as verified contact unlock and company files (on-platform snapshot versus official-registry pull), priced in US dollars with a fixed or “from” amount;
- Advisory / agency services such as company setup, licences, visas, accounting and digital work, usually quoted before an amount is payable;
- Other catalogued service products that logged-in users can order on the Platform.
Free browsing of public company pages and ordinary inquiries that do not create a payable order do not create a payment obligation under these Terms.
2. Orders, pricing and amounts due
- You must be signed in to order. The order ID (for example starting with SO) is the reference for delivery and payment.
- Catalog prices are fixed, from (starting price) or quote. Currency is USD. Displayed amounts exclude taxes that your jurisdiction may impose unless the order says otherwise.
- Fixed: the amount due is the snapshot stored on the order at creation.
- From: “from USD xx” is the minimum / deposit. Our team will explain the expected result and the final price. If that does not match both sides’ needs, you may request a refund or pay the balance and continue within the confirmed scope. Extra verification, registry pulls, translation, rush work or official fees may exceed that floor; we will confirm any difference in writing before performing that extra work. You may accept delivery limited to what you have already paid, or cancel the unperformed part (reasonable costs already incurred are handled under section 5).
- Quote: the order starts with no amount due. After we assess the request we set a payable amount in your dashboard. We are not obliged to start paid work until that amount is confirmed and paid.
- Current public starting prices for intelligence SKUs (subject to the product page and order snapshot) are about USD 9.9 for contact unlock and about USD 29.9 for a company-file entry (compiled on-site fields versus a fuller official pull are different tiers; official fees and lead time may be extra).
3. How you pay
- Online payments are processed by Airwallex (or another licensed provider we publish). Card and similar data are collected by the provider. LaoBiz.com does not store full card numbers, CVV or payment passwords.
- A payment is successful only when our servers confirm it (webhook or PaymentIntent lookup), not merely because the browser redirected. Your dashboard may briefly show a verifying state.
- You may also pay by bank transfer, Wise or similar as instructed. Once we mark the order paid, the effect is the same as a successful online payment.
- Use a payment instrument you are authorised to use. We may pause work, recover reasonable costs and cooperate with the provider if a payment is stolen, reversed or treated as fraud.
4. Performance, delivery and disclaimers
- Paid work starts after payment (or after we confirm an offline receipt). Quote work starts after the amount is set and paid. We may still ask for extra documents.
- Contact unlock means we manually check public channels and make reasonable follow-up, then return usable phone / email / social contacts at that time. It is not an official certificate and does not guarantee that a number exists. If none can reasonably be found we will apply the failure tier stated on the order: refund in full or net of costs incurred, or agree an upgrade to another tier such as a company file.
- Company files: a platform snapshot is compiled from fields already on this site and may differ from the latest official file. A fuller pull depends on counter hours, documents and official fees and may exceed the starting price.
- For licences, visas and similar filings we prepare materials and assist through lawful channels. Approvals are decided by the competent authority. We do not promise approval and do not replace licensed legal advice.
- Delivery is through order progress, attachments or another agreed electronic channel. Electronic delivery is performance unless the order says otherwise.
5. Refunds and cancellation
- If you submit false materials, an unlawful purpose, refuse verification, or the provider treats the payment as fraud, amounts paid may be non-refundable.
- If work has not actually started (no verification / pull time consumed and no official fees paid) and you cancel in writing within 24 hours of payment, you may request a full refund. If work has started, we settle reasonable costs incurred and refund the balance.
- After we discuss a prepaid “from” order, if the expected result or final price does not match both sides’ needs, you may request a refund or pay the balance and continue within the confirmed scope; reasonable costs already incurred are settled as above.
- If we cannot deliver the main scope of the order for reasons attributable to us, you may reschedule, change tier or receive a refund of the unperformed portion.
- Refunds go back to the original payment method. Timing depends on the issuer or provider. After a refund the order payment status is recorded as refunded.
- Official fees, third-party window charges and incurred travel disbursements are generally not refundable except where we are at fault.
6. Invoices and tax
Request an invoice or receipt in the order notes, including billing entity and tax details. Tax treatment follows the order and applicable law. Users outside Hong Kong remain responsible for their local filings.
7. Personal data
To collect payment and prevent fraud we and the payment provider process order IDs, amounts, contact details and transaction status returned by the provider. See the Privacy Policy.
8. Changes
These Terms are published on this page with an effective date. For orders already placed and paid, the version in force at checkout applies unless law requires otherwise or we agree in writing.
9. Governing law
Governing law and dispute resolution follow the Terms of Service. Mandatory consumer protections prevail where they apply.
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