1. Payment Security Principles
We take payment security, account security, and transaction compliance seriously. Payments on Changé may be processed by Antom or other configured third-party payment service providers. Card numbers, payment account passwords, CVV, and payment security codes are usually collected and processed directly by the payment service provider.
Within the necessary scope, we process order, subscription, payment status, billing address, payment method type, risk control status, and necessary information returned by payment service providers to complete transactions, payment inquiries, reconciliation, fulfillment, risk control, refunds, dispute handling, and customer support.
2. Fraud and Stolen-Card Monitoring
We monitor fraud, stolen-card risk, account abuse, and abnormal transactions using system records, payment service provider results, account status, and order behavior.
- Abnormal logins, abnormal IP addresses, abnormal devices, proxy use, or high-risk access behavior.
- Frequent orders, failures, cancellations, refunds, or chargebacks within a short period.
- Inconsistencies or high-risk signals involving order amount, currency, billing address, payment method, account information, or usage behavior.
- Transactions reported as suspicious, stolen-card, unauthorized, or fraudulent by payment service providers, card issuers, card schemes, wallets, regulators, or users.
- Account sharing, account takeover, bulk registration, subscription abuse, credit resale, or attempts to bypass platform rules.
3. 3DS and Strong Customer Authentication
For card transactions, payment security controls may use 3DS, strong customer authentication, risk scoring, and transaction verification capabilities provided by payment service providers, card schemes, and card issuers.
Whether 3DS or similar verification is triggered may depend on payment service provider configuration, card scheme rules, card issuer requirements, transaction region, amount, currency, risk score, and applicable regulatory requirements. If a payment service provider, card issuer, card scheme, or applicable law requires mandatory verification, we will follow the relevant requirements.
4. Abnormal Transaction Handling Process
When a transaction triggers risk rules, a payment service provider returns an abnormal result, or we receive stolen-card, fraud, chargeback, dispute, regulatory, or user complaint information, we may take the following measures.
- Request identity verification, order information, transaction proof, billing address, or other reasonable materials from the user.
- Suspend, delay, or cancel an order, and delay activation or adjustment of subscription benefits, credits, and space quotas.
- Restrict, freeze, or terminate high-risk accounts, organization spaces, payment methods, or related service access.
- Submit payment inquiry, cancellation, refund, chargeback response, or dispute handling requests to payment service providers.
- Cooperate with regulators, judicial authorities, card issuers, card schemes, or payment service providers to the extent permitted or required by applicable law.
5. User Responsibilities
You should safeguard your account, email verification codes, login devices, and payment instruments. You must not use stolen, forged, unauthorized, or unlawful payment methods to complete payments.
If you discover account takeover, unauthorized payment, or risk involving a card or payment account, please contact us as soon as possible and also contact the card issuer, wallet, or payment service provider.
6. Contact Us
To report an unauthorized transaction, stolen-card risk, fraud, or payment security issue, please contact us using the details below.
- Customer service hotline: +852-66415338
- Contact email: service@fundamental.com.hk
- Company address: Unit 2962, 29th Floor, Infinitus Plaza, 199 Des Voeux Road Central, Sheung Wan, Hong Kong