Terms of Service
Last updated: 3 July 2026
1. Who we are
Tiance is a brand of United Tycoon Group Limited, a company incorporated in Hong Kong ("Tiance", "we", "us"). Tiance provides payment integration and merchant support services. Tiance is not a bank and does not itself hold a payment licence; payment processing is performed by licensed payment service partners ("Payment Partners").
2. The service
Tiance connects eligible merchants with suitable payment channels operated by our Payment Partners, and provides related integration, onboarding, reporting, and support services. Access to the service requires a completed application and a successful business review. Approval decisions reflect the requirements of our Payment Partners as well as our own.
3. Eligibility and review
You must provide accurate and complete information about your business, products, website, ownership, and payout details during application and keep it current afterwards. We may decline, suspend, or terminate access where information is inaccurate, incomplete, or where your business no longer meets channel requirements. Some business categories require additional documentation, and some are not supported.
4. Merchant obligations
- Sell only the products and services described in your approved application.
- Comply with our Acceptable Use Policy and all applicable laws in the markets where you sell.
- Fulfil customer orders, honour your stated refund policy, and respond to customer disputes promptly.
- Not misrepresent your business, split transactions to evade limits, or process payments on behalf of third parties without approval.
5. Fees, reserves, and settlement
Your applicable fees are confirmed in writing before activation. A rolling reserve is standard on all accounts; its size and duration depend on your risk profile and are confirmed at onboarding. Funds settle on a T+7 basis from clearance unless otherwise agreed. We may adjust fees or reserve terms with prior notice as described in your onboarding confirmation.
6. Chargebacks and disputes
You are responsible for chargebacks, refunds, and associated fees on your transactions. We will notify you of disputes and work with you and our Payment Partners to resolve them.
7. Suspension and termination
We aim to give advance notice before any change to your account status, and to discuss the situation with you directly. However, we or our Payment Partners may suspend or terminate access immediately where required by law, by card scheme rules, or to prevent fraud or material risk. Funds held in reserve are released in accordance with your onboarding terms after outstanding liabilities are settled.
8. Intellectual property
The Tiance name, logo, website, documentation, and software remain our property or that of our licensors. You receive a limited, non-exclusive licence to use our integration tools solely to accept payments through the service.
9. Liability
To the maximum extent permitted by law, our aggregate liability arising out of the service in any 12-month period is limited to the fees you paid us in that period. We are not liable for indirect or consequential losses, or for acts or omissions of Payment Partners outside our control.
10. Changes to these terms
We may update these terms from time to time. Material changes will be notified to active merchants before they take effect. Continued use of the service after the effective date constitutes acceptance.
11. Governing law
These terms are governed by the laws of the Hong Kong Special Administrative Region, and disputes are subject to the exclusive jurisdiction of the Hong Kong courts.
12. Contact
Questions about these terms: hello@tiance.io.