1.1 Protection against Unauthorized Transactions.
When an Unauthorized Transaction (as defined below) occurs in your account, Alipay will provide some compensation for your every eligible Unauthorized Transaction as long as you follow the procedure terms described below.
An "Unauthorized Transaction" occurs when money is sent from your Alipay Account, either through the stored value with your Alipay Account or the credit or debit card linked to your Alipay Account, that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your account, and sends a payment from your account, that an Unauthorized Transaction has occurred. You have the obligation to ensure the safety of your account. If you authorize someone to access your account (provide them with your login information), but they conduct transactions without your knowledge or permission, you shall be responsible for all the consequences arising from such use.
1.2 Notify Alipay
1.3 Actions taken by Alipay upon receipt of notification
a. Once you notify us and provide complete necessary information/documents relating to any suspected Unauthorized Transaction, we will do the following:
b. If we determine that there was an Unauthorized Transaction, we will credit the full amount of the Unauthorized Transaction to your Alipay account or the credit or debit card linked to your Alipay Account. As for credit card deposit, due to the credit card issuer, it may take 10-20 working days to display on your account statement.
c. If we determine that there was no an Unauthorized Transaction, we will send you an email to explain our decision.
1.4 Scope of protection
a. If the Unauthorized Transaction was made through the stored value of your Alipay Account:
b. If the Unauthorized Transaction was made through the credit or debit card linked to your Alipay Account, you may receive full amount of each Unauthorized Transactions provided you meet the requirements under these Rules.
1.5 Items not eligible for Alipay Member Protection program
a. Chargeback. Credit card chargeback right (if applicable) may be broader than the scope of Alipay Member Protection programs. You can request for member protection compensation from Alipay. You can also contact your credit card company to exercise your chargeback right. You cannot simultaneously submit these two applications or claim for double compensation. If you apply for exercising your chargeback right from your credit card company while your application for compensation submitted to Alipay is pending, Alipay will close your application for Unauthorized Transaction compensation. Therefore, you will only be able to rely on exercising your chargeback right to resolve the issue.
b. Refund. A transaction which initiates refund is not under the protection of Alipay Member Protection program.