Last updated: 2 December 2025
These Terms set out the basis on which you may access and use the website, platforms and related services provided by Choton Group Limited ("Choton Group", "we", "us", "our").
By accessing or using any part of the Services, you confirm that you have read, understood and agree to be bound by these Terms and any documents referred to in them, including our Privacy Policy. If you do not agree, you must not use the Services.
If you are using the Services on behalf of a company or other legal entity, you represent that you are authorised to accept these Terms on its behalf, and in that case references to "you" and "your" refer to that entity.
The precise scope of the Services made available to you may be described on our website, within our platforms or in separate agreements with you.
The Services may include, without limitation:
We may enhance, modify or remove features and may introduce new services on an ongoing basis.
To use the Services, you must:
We may refuse, restrict, suspend or terminate your access to the Services where we consider this necessary for legal, regulatory, operational or risk-management reasons.
Certain Services require you to register for an account and complete our onboarding procedures. You agree to:
You are responsible for all activities carried out through your account unless and until we have been notified of a suspected compromise and have had a reasonable opportunity to act.
Choton Group is subject to various regulatory requirements, including know-your-customer (KYC), anti-money laundering (AML), counter-terrorist financing (CTF) and sanctions provisions. You acknowledge and agree that we may:
We may delay, restrict or refuse to provide the Services, or suspend or terminate your account, if you do not provide requested information, if we identify issues during our checks, or if we consider that your use of the Services may present legal or regulatory risk.
You must use the Services in a lawful and responsible manner. You must not:
We may investigate suspected violations and take any action we reasonably consider appropriate, including restricting or terminating access to the Services.
You agree to pay all fees and charges applicable to your use of the Services, as set out in our pricing information, within our platforms or in separate agreements. Fees may include transaction fees, foreign-exchange spreads, service charges or other amounts. Exchange rates may fluctuate and may differ from rates made available by other providers. You are solely responsible for any taxes, duties or other governmental charges arising in connection with your use of the Services or any related transactions. Where permitted, we may deduct fees and charges from amounts processed or held in connection with your use of the Services.
We may apply limits, thresholds and other risk controls to your use of the Services. Without limiting our other rights, we may:
You are responsible for ensuring that all transaction details (including beneficiary information and account numbers) are complete and accurate. We are not responsible for losses resulting from incorrect information provided by you, although we may reasonably assist in attempting to recover funds where lawful and feasible.
All intellectual property rights in or relating to the Services, including the website, software, interfaces, text, graphics, logos and trade marks, are owned by or licensed to Choton Group. Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive and non-transferable right to access and use the Services for your internal business or personal use.
You must not:
Our handling of personal data in connection with the Services is described in our Privacy Policy. By using the Services, you acknowledge that personal data may be collected and processed in accordance with that Policy.
The Services may interact with or provide access to services and content supplied by third parties, including banks, payment providers, identity verification vendors or analytics providers. We do not control, endorse or accept responsibility for third-party services or content. Your use of such services is subject to any applicable third-party terms and policies, which you should review separately.
To the fullest extent permitted by law, the Services are provided on an "as is" and "as available" basis. We do not give any assurance that the Services will be uninterrupted, timely, secure or error-free. We do not warrant that any information or content available through the Services is complete, accurate or suitable for your particular purposes. Nothing in the Services constitutes financial, investment, tax or legal advice. You should obtain appropriate professional advice before relying on any information provided via the Services.
To the extent permitted by applicable law, Choton Group Limited, its affiliates, directors, officers, employees and agents shall not be liable for any indirect, consequential, incidental, punitive or special losses or damages; any loss of profits, revenue, business, goodwill or data; or any loss or damage arising from your use of, or inability to use, the Services; unauthorised access to or alteration of your transmissions or data; or any third-party services, systems or content.
Where our liability cannot be excluded, our total aggregate liability arising out of or in connection with the Services and these Terms shall be limited to the total fees you have paid to us for the relevant Services during the twelve (12) months immediately preceding the event giving rise to the claim, unless a different amount is required by law or expressly agreed in writing.
You agree to indemnify and hold harmless Choton Group Limited, its affiliates, directors, officers, employees and agents from and against any claims, losses, damages, costs and expenses (including reasonable legal fees) arising out of or in connection with your breach of these Terms or of applicable law; your misuse of the Services; or any claim brought by a third party in connection with your use of the Services, your content or your transactions.
We may suspend or terminate your access to all or part of the Services at any time, including where you have, or we reasonably believe you have, breached these Terms; you do not satisfy our onboarding, KYC or compliance requirements; or we consider that providing the Services to you may give rise to legal, regulatory, operational or reputational risk.
You may request closure of your account at any time, subject to the completion of any outstanding transactions and obligations and subject to applicable law.
Upon termination, your right to use the affected Services will end; we may retain records where required for legal, regulatory or compliance reasons; and provisions that by their nature should survive termination (including those relating to intellectual property, limitation of liability, indemnity and governing law) will remain in force.
We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this document and, where appropriate, provide additional notice via the website or other channels. Your continued use of the Services after changes take effect constitutes your acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Services.
These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of Hong Kong. You agree that the courts of Hong Kong shall have non-exclusive jurisdiction to hear any dispute arising out of or in connection with these Terms or the Services, without prejudice to any rights you may have under applicable law.
If you have any questions about these Terms, you may contact us using the details provided on our website or by writing to:
Choton Group Limited
Shop B, G/F, Southorn Centre
138 Hennessy Road, Wan Chai
Hong Kong