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Aspire may prescribe transaction amount limits on the Advance Card (\"Single Transaction Limit\") and may vary the Single Transaction Limit from time to time without notice to the Customer or Cardholder.",[],{"_key":1220,"_type":961,"children":1221,"markDefs":1226,"style":970},"k99",[1222],{"_key":1223,"_type":965,"marks":1224,"text":1225},"k98",[],"4.6. The Cardholder may carry out an Advance Card transaction only if:",[],{"_key":1228,"_type":961,"children":1229,"markDefs":1234,"style":970},"k102",[1230],{"_key":1231,"_type":965,"marks":1232,"text":1233},"k101",[],"the transaction amount will not result in the available Advance Account Limit being exceeded; and",[],{"_key":1236,"_type":961,"children":1237,"markDefs":1242,"style":970},"k105",[1238],{"_key":1239,"_type":965,"marks":1240,"text":1241},"k104",[],"b. the transaction amount does not exceed the Single Transaction Limit.",[],{"_key":1244,"_type":961,"children":1245,"markDefs":1250,"style":970},"k108",[1246],{"_key":1247,"_type":965,"marks":1248,"text":1249},"k107",[967],"5. ADVANCE CARD",[],{"_key":1252,"_type":961,"children":1253,"markDefs":1258,"style":970},"k111",[1254],{"_key":1255,"_type":965,"marks":1256,"text":1257},"k110",[],"5.1 The Customer acknowledges that the issuer of the Advance Card is Aspire and agrees to the terms of Aspire (which include the Card Product Schedule) which apply to the use of the Advance Card.",[],{"_key":1260,"_type":961,"children":1261,"markDefs":1266,"style":970},"k114",[1262],{"_key":1263,"_type":965,"marks":1264,"text":1265},"k113",[],"5.2 The Customer acknowledges that the Advance Card is a charge card that is exclusively funded by the Advance Account.",[],{"_key":1268,"_type":961,"children":1269,"markDefs":1274,"style":970},"k117",[1270],{"_key":1271,"_type":965,"marks":1272,"text":1273},"k116",[967],"6. CUSTOMER'S RESPONSIBILITIES",[],{"_key":1276,"_type":961,"children":1277,"markDefs":1282,"style":970},"k120",[1278],{"_key":1279,"_type":965,"marks":1280,"text":1281},"k119",[],"6.1. The Customer shall be liable for and shall pay Aspireon demand the balance due to Aspire on the Advance Account, including all charges effected or debited to the Advance Account in accordance with this Advance Product Schedule or any other agreement between the Customer (whether alone or jointly with any other person or persons) and Aspire.",[],{"_key":1284,"_type":961,"children":1285,"markDefs":1290,"style":970},"k123",[1286],{"_key":1287,"_type":965,"marks":1288,"text":1289},"k122",[],"6.2. The Customer will be issued an Advance Account Statement by Aspire which sets out the Customer's transactions for the relevant billing cycle.",[],{"_key":1292,"_type":961,"children":1293,"markDefs":1298,"style":970},"k126",[1294],{"_key":1295,"_type":965,"marks":1296,"text":1297},"k125",[],"6.3. Amounts due under each Advance Account Statement will be presented in the currency of the Advance Account Limit.",[],{"_key":1300,"_type":961,"children":1301,"markDefs":1306,"style":970},"k129",[1302],{"_key":1303,"_type":965,"marks":1304,"text":1305},"k128",[],"6.4. In respect of each Advance Account Statement, the Customer shall pay by the payment due date stated in that Advance Account Statement the amount stated therein.",[],{"_key":1308,"_type":961,"children":1309,"markDefs":1314,"style":970},"k132",[1310],{"_key":1311,"_type":965,"marks":1312,"text":1313},"k131",[],"6.5. Without prejudice to the foregoing, the Customer hereby irrevocably authorises Aspire to debit, set off against, or otherwise deduct from the Customer's Multi-currency Account (in any currency held therein) any amount that is due and payable by the Customer to Aspire under or in connection with the Advance Line and\u002For Advance Account, including (without limitation) any outstanding principal, interest, fees, charges, costs, expenses, or other sums howsoever arising (each, an \"Amount Owed\"), whether or not such Amount Owed arises under an Advance Account Statement. Aspire may exercise this right at any time and without prior notice to the Customer. Where an Amount Owed is denominated in a currency other than the currency of the funds available in the Customer's Multi-currency Account, Aspire may convert the available funds at Aspire's prevailing exchange rate at the time of deduction. The exercise of Aspire's rights under this paragraph shall not prejudice or limit any other right or remedy available to Aspire under this Agreement or at law.",[],{"_key":1316,"_type":961,"children":1317,"markDefs":1322,"style":970},"k135",[1318],{"_key":1319,"_type":965,"marks":1320,"text":1321},"k134",[],"6.6. If there are insufficient funds in the Customer's Multi-currency Account, the Customer must top-up its Multi-currency Account within three (3) Business Days of notice from Aspire that the Customer's Multi-currency Account has insufficient funds to satisfy any Amount Owed. For the avoidance of doubt, the Customer's obligation to pay any Amount Owed shall not be limited to the balance available in the Customer's Multi-currency Account and shall remain due and payable in full regardless of the balance in such account.",[],{"_key":1324,"_type":961,"children":1325,"markDefs":1330,"style":970},"k138",[1326],{"_key":1327,"_type":965,"marks":1328,"text":1329},"k137",[],"6.7. If by the payment due date of that Advance Account Statement, the Customer fails to make full repayment of the amount stated therein:",[],{"_key":1332,"_type":961,"children":1333,"markDefs":1338,"style":970},"k141",[1334],{"_key":1335,"_type":965,"marks":1336,"text":1337},"k140",[],"the Customer shall be liable to Aspire for: a.",[],{"_key":1340,"_type":961,"children":1341,"markDefs":1346,"style":970},"k144",[1342],{"_key":1343,"_type":965,"marks":1344,"text":1345},"k143",[],"(i) a Finance Charge, levied on a monthly basis, on the entire outstanding balance from the payment due date of that Advance Account Statement until full payment of the outstanding balance is made; and",[],{"_key":1348,"_type":961,"children":1349,"markDefs":1354,"style":970},"k147",[1350],{"_key":1351,"_type":965,"marks":1352,"text":1353},"k146",[],"(ii) a late payment charge of USD50 (or its equivalent in other currencies);",[],{"_key":1356,"_type":961,"children":1357,"markDefs":1362,"style":970},"k150",[1358],{"_key":1359,"_type":965,"marks":1360,"text":1361},"k149",[],"b. Aspire shall be entitled to decline to authorise or approve any transactions effected or proposed to be effected by the use of the Advance Card; and",[],{"_key":1364,"_type":961,"children":1365,"markDefs":1370,"style":970},"k153",[1366],{"_key":1367,"_type":965,"marks":1368,"text":1369},"k152",[],"C. Aspire shall be entitled to suspend or cancel the Advance Line without prior notice to the Customer or Cardholder.",[],{"_key":1372,"_type":961,"children":1373,"markDefs":1378,"style":970},"k156",[1374],{"_key":1375,"_type":965,"marks":1376,"text":1377},"k155",[],"d. Aspire shall be entitled to liquidate the Collateral immediately to satisfy any liability owing to it by the Customer.",[],{"_key":1380,"_type":961,"children":1381,"markDefs":1386,"style":970},"k159",[1382],{"_key":1383,"_type":965,"marks":1384,"text":1385},"k158",[967],"7. FOREIGN CURRENCY TRANSACTIONS",[],{"_key":1388,"_type":961,"children":1389,"markDefs":1394,"style":970},"k162",[1390],{"_key":1391,"_type":965,"marks":1392,"text":1393},"k161",[],"7.1. The Advance Card may be used for transactions that are denominated, in a currency other than the currency denomination of the Advance Account Limit (\"Foreign Currency\").",[],{"_key":1396,"_type":961,"children":1397,"markDefs":1402,"style":970},"k165",[1398],{"_key":1399,"_type":965,"marks":1400,"text":1401},"k164",[],"7.2. If the Cardholder or the Customer initiates a Foreign Currency transaction, the Customer agrees that the terms under Aspire's Cards Product Schedule and Payments & FX Product Schedule in relation to Foreign Currency transaction shall apply.",[],{"_key":1404,"_type":961,"children":1405,"markDefs":1410,"style":970},"k168",[1406],{"_key":1407,"_type":965,"marks":1408,"text":1409},"k167",[],"7.3. The Cardmember and\u002For the Customer, acknowledge and accept all risks and charges involved in making such Foreign Currency transactions, whether arising from differing currency conversion rates and practices, or otherwise from market fluctuations.",[],{"_key":1412,"_type":961,"children":1413,"markDefs":1418,"style":970},"k171",[1414],{"_key":1415,"_type":965,"marks":1416,"text":1417},"k170",[967],"8. LIEN AND SET-OFF",[],{"_key":1420,"_type":961,"children":1421,"markDefs":1426,"style":970},"k174",[1422],{"_key":1423,"_type":965,"marks":1424,"text":1425},"k173",[],"8.1. The Customer hereby grants Aspire a continuing lien over the Multi-currency Account and any other accounts maintained by the Customer with Aspire.",[],{"_key":1428,"_type":961,"children":1429,"markDefs":1434,"style":970},"k177",[1430],{"_key":1431,"_type":965,"marks":1432,"text":1433},"k176",[],"8.2. The Customer agrees that, for the purposes of discharging any amount payable by the Customer under each Advance Account Statement and\u002For this Advance Product Schedule, Aspire is authorized by the Customer, to debit the relevant amount due or any part thereof from the Multi-currency Account and transfer such amount to Aspire;",[],{"_key":1436,"_type":961,"children":1437,"markDefs":1442,"style":970},"k180",[1438],{"_key":1439,"_type":965,"marks":1440,"text":1441},"k179",[],"8.3. The Customer agrees that in addition to any lien, right of set-off or other right which Aspire may have, Aspire may in its absolute discretion at any time and without prior demand or notice to the Customer combine or consolidate any and all account(s) maintained by the Customer with Aspire and\u002For set-off or transfer any sum standing to the credit of any or all such account(s) in or towards the discharge or payment of any and all liabilities (whether actual or contingent, several or joint) to Aspire from the Customer on any other account.",[],{"_key":1444,"_type":961,"children":1445,"markDefs":1450,"style":970},"k183",[1446],{"_key":1447,"_type":965,"marks":1448,"text":1449},"k182",[],"8.4. Aspire shall be entitled to exercise this right notwithstanding that the balance due to Aspire on any account is not overdue and\u002For the use of the Advance Card or the Advance Account has not been closed or terminated and\u002For the credit balances on such accounts and the liabilities on any other accounts may not be expressed in the same currency.",[],{"_key":1452,"_type":961,"children":1453,"markDefs":1458,"style":970},"k186",[1454],{"_key":1455,"_type":965,"marks":1456,"text":1457},"k185",[],"8.5. Aspire can use any payments from the Customer however it chooses, regardless of how the Customer intended the payment to be used.",[],{"_key":1460,"_type":961,"children":1461,"markDefs":1466,"style":970},"k189",[1462],{"_key":1463,"_type":965,"marks":1464,"text":1465},"k188",[967],"9. CANCELLATION, SUSPENSION AND TERMINATION",[],{"_key":1468,"_type":961,"children":1469,"markDefs":1474,"style":970},"k192",[1470],{"_key":1471,"_type":965,"marks":1472,"text":1473},"k191",[],"9.1. Aspire may cancel, suspend or terminate the Advance Account, the Advance Line and\u002For the Advance Card at any time without having to give any reason or notice to the Customer or Cardholder and\u002For in accordance with the terms of Aspire's Master Service Agreement.",[],{"_key":1476,"_type":961,"children":1477,"markDefs":1482,"style":970},"k195",[1478],{"_key":1479,"_type":965,"marks":1480,"text":1481},"k194",[],"9.2. The Customer acknowledges and agrees that when the Customer's Aspire Account is terminated or suspended, Aspire may at its sole discretion suspend or end all Advance Services.",[],{"_key":1484,"_type":961,"children":1485,"markDefs":1490,"style":970},"k198",[1486],{"_key":1487,"_type":965,"marks":1488,"text":1489},"k197",[],"9.3. The Customer may terminate this Advance Product Schedule and the Advance Account by giving Aspire at least 30 days' written notice. Upon the termination of the Advance Account (whether by the Customer or Aspire):",[],{"_key":1492,"_type":961,"children":1493,"markDefs":1498,"style":970},"k201",[1494],{"_key":1495,"_type":965,"marks":1496,"text":1497},"k200",[],"a. all Advance Cards will be cancelled;",[],{"_key":1500,"_type":961,"children":1501,"markDefs":1506,"style":970},"k204",[1502],{"_key":1503,"_type":965,"marks":1504,"text":1505},"k203",[],"b. any accrued liabilities and obligations under this Advance Product Schedule will remain continuing;",[],{"_key":1508,"_type":961,"children":1509,"markDefs":1514,"style":970},"k207",[1510],{"_key":1511,"_type":965,"marks":1512,"text":1513},"k206",[],"C. the Customer shall pay Aspireon demand all unpaid amounts charged to the Advance Account (including all expenditures made on all Advance Cards) as may be specified by Aspire in the demand and until payment in full is made, Aspire shall be entitled to levy (i) a monthly Finance Charge calculated on the entire balance due and (ii) a late payment charge of USD50 (or its equivalent in other currencies); and",[],{"_key":1516,"_type":961,"children":1517,"markDefs":1522,"style":970},"k210",[1518],{"_key":1519,"_type":965,"marks":1520,"text":1521},"k209",[],"d. the Customer shall procure that all physical Advance Cards are cut up.",[],{"_key":1524,"_type":961,"children":1525,"markDefs":1530,"style":970},"k213",[1526],{"_key":1527,"_type":965,"marks":1528,"text":1529},"k212",[],"9.4. The rights conferred on Aspire under this Advance Product Schedule shall survive termination.",[],{"_key":1532,"_type":961,"children":1533,"markDefs":1538,"style":970},"k216",[1534],{"_key":1535,"_type":965,"marks":1536,"text":1537},"k215",[967],"10. DEFINITIONS AND INTERPRETATION",[],{"_key":1540,"_type":961,"children":1541,"markDefs":1546,"style":970},"k219",[1542],{"_key":1543,"_type":965,"marks":1544,"text":1545},"k218",[],"In this Advance Product Schedule:",[],{"_key":1548,"_type":961,"children":1549,"markDefs":1562,"style":970},"k226",[1550,1554,1558],{"_key":1551,"_type":965,"marks":1552,"text":1553},"k223",[],"\"",{"_key":1555,"_type":965,"marks":1556,"text":1557},"k224",[967],"Advance Account",{"_key":1559,"_type":965,"marks":1560,"text":1561},"k225",[],"\" means the account in respect of the Advance Line that Aspire extends to the Customer.",[],{"_key":1564,"_type":961,"children":1565,"markDefs":1577,"style":970},"k233",[1566,1569,1573],{"_key":1567,"_type":965,"marks":1568,"text":1553},"k230",[],{"_key":1570,"_type":965,"marks":1571,"text":1572},"k231",[967],"Advance Account Limit",{"_key":1574,"_type":965,"marks":1575,"text":1576},"k232",[],"\" has the meaning given in Clause 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thereof that is exclusively funded by the Advance Account.",[],{"_key":1609,"_type":961,"children":1610,"markDefs":1622,"style":970},"k254",[1611,1614,1618],{"_key":1612,"_type":965,"marks":1613,"text":1553},"k251",[],{"_key":1615,"_type":965,"marks":1616,"text":1617},"k252",[967],"Advance Line",{"_key":1619,"_type":965,"marks":1620,"text":1621},"k253",[],"\" means the advance line that Aspire may extend to the Customer from time to time, in such amount and currency and on such terms and subject to such conditions as Aspire may determine in its sole discretion.",[],{"_key":1624,"_type":961,"children":1625,"markDefs":1637,"style":970},"k261",[1626,1629,1633],{"_key":1627,"_type":965,"marks":1628,"text":1553},"k258",[],{"_key":1630,"_type":965,"marks":1631,"text":1632},"k259",[967],"Advance Services",{"_key":1634,"_type":965,"marks":1635,"text":1636},"k260",[],"\" has the meaning given in Clause 1.1.",[],{"_key":1639,"_type":961,"children":1640,"markDefs":1651,"style":970},"k268",[1641,1644,1647],{"_key":1642,"_type":965,"marks":1643,"text":1553},"k265",[],{"_key":1645,"_type":965,"marks":1646,"text":175},"k266",[967],{"_key":1648,"_type":965,"marks":1649,"text":1650},"k267",[],"\" means Aspire HK Limited;",[],{"_key":1653,"_type":961,"children":1654,"markDefs":1666,"style":970},"k275",[1655,1658,1662],{"_key":1656,"_type":965,"marks":1657,"text":1553},"k272",[],{"_key":1659,"_type":965,"marks":1660,"text":1661},"k273",[967],"Cardholder",{"_key":1663,"_type":965,"marks":1664,"text":1665},"k274",[],"\" means the person to whom the Advance Card is issued on the application or request of the Customer;",[],{"_key":1668,"_type":961,"children":1669,"markDefs":1681,"style":970},"k282",[1670,1673,1677],{"_key":1671,"_type":965,"marks":1672,"text":1553},"k279",[],{"_key":1674,"_type":965,"marks":1675,"text":1676},"k280",[967],"Card Product Schedule",{"_key":1678,"_type":965,"marks":1679,"text":1680},"k281",[],"\" means the cards product terms and conditions published by Aspire which can be accessed here.",[],{"_key":1683,"_type":961,"children":1684,"markDefs":1696,"style":970},"k289",[1685,1688,1692],{"_key":1686,"_type":965,"marks":1687,"text":1553},"k286",[],{"_key":1689,"_type":965,"marks":1690,"text":1691},"k287",[967],"Customer",{"_key":1693,"_type":965,"marks":1694,"text":1695},"k288",[],"\" means the corporation, firm or entity which is the applicant for the Advance Line, Advance Account, and\u002For any Advance Card.",[],{"_key":1698,"_type":961,"children":1699,"markDefs":1711,"style":970},"k296",[1700,1703,1707],{"_key":1701,"_type":965,"marks":1702,"text":1553},"k293",[],{"_key":1704,"_type":965,"marks":1705,"text":1706},"k294",[967],"Finance Charge",{"_key":1708,"_type":965,"marks":1709,"text":1710},"k295",[],"\" means, in relation to any outstanding amount due, 2.5% on such amount;",[],{"_key":1713,"_type":961,"children":1714,"markDefs":1726,"style":970},"k303",[1715,1718,1722],{"_key":1716,"_type":965,"marks":1717,"text":1553},"k300",[],{"_key":1719,"_type":965,"marks":1720,"text":1721},"k301",[967],"Foreign Currency",{"_key":1723,"_type":965,"marks":1724,"text":1725},"k302",[],"\" has the meaning given in Clause 6.1.",[],{"_key":1728,"_type":961,"children":1729,"markDefs":1741,"style":970},"k310",[1730,1733,1737],{"_key":1731,"_type":965,"marks":1732,"text":1553},"k307",[],{"_key":1734,"_type":965,"marks":1735,"text":1736},"k308",[967],"Multi-currency Account",{"_key":1738,"_type":965,"marks":1739,"text":1740},"k309",[],"\" has the meaning given in the Payments & FX Product Schedule published by Aspire.",[],{"_key":1743,"_type":961,"children":1744,"markDefs":1756,"style":970},"k317",[1745,1748,1752],{"_key":1746,"_type":965,"marks":1747,"text":1553},"k314",[],{"_key":1749,"_type":965,"marks":1750,"text":1751},"k315",[967],"Network",{"_key":1753,"_type":965,"marks":1754,"text":1755},"k316",[],"\" means a major national or international network or association such as American Express, Mastercard, Visa, RuPay, JCB, Discover, UnionPay or any other global or local network or association that Aspire and\u002For relevant third parties may work with from time to time to enable the use of the Advance Card.",[],{"_key":1758,"_type":961,"children":1759,"markDefs":1770,"style":970},"k324",[1760,1763,1766],{"_key":1761,"_type":965,"marks":1762,"text":1553},"k321",[],{"_key":1764,"_type":965,"marks":1765,"text":892},"k322",[967],{"_key":1767,"_type":965,"marks":1768,"text":1769},"k323",[],"\" means the payments and foreign exchange product terms and conditions which can be accessed here.",[],{"_key":1772,"_type":961,"children":1773,"markDefs":1785,"style":970},"k331",[1774,1777,1781],{"_key":1775,"_type":965,"marks":1776,"text":1553},"k328",[],{"_key":1778,"_type":965,"marks":1779,"text":1780},"k329",[967],"Single Transaction Limit",{"_key":1782,"_type":965,"marks":1783,"text":1784},"k330",[],"\" has the meaning given in Clause 4.5.",[],"2026-07-24",{"_type":1788,"current":861},"slug",[1790,1791,1792,1794,1796,1798,1799],{"language":171,"market":86,"slug":422},{"language":64,"market":76,"slug":422},{"language":1793,"market":76,"slug":422},"zh-HK",{"language":1795,"market":76,"slug":422},"zh-Hans-HK",{"language":171,"market":91,"slug":1797},"terms-and-conditions",{"language":171,"market":79,"slug":422},{"language":171,"market":83,"slug":1800},"terms-of-service",1791529451400]