About Harbour & Hills
H Individual is a product of [Harbour & Hills legal entity name], a company incorporated in Hong Kong.
| Registered name | [legal entity name] |
|---|---|
| Company number | [CR number] |
| Business registration | [BR number] |
| Registered office | [address] |
| Website | harbourandhills.com |
Licences we hold
Services are being launched market by market and are subject to regulatory approval. [Compliance: list each licence held or applied for. Remove rows that don't apply.]
| Licence | Regulator | Number | Status |
|---|---|---|---|
| Money Service Operator | Customs and Excise Department, Hong Kong | [number] | [Held / Applied] |
| Stored Value Facility | Hong Kong Monetary Authority | [number] | [Held / Via partner / N/A] |
| Virtual Asset Service Provider | Securities and Futures Commission | [number] | [Held / Via partner / N/A] |
| [Other market licence] | [regulator] | [number] | [status] |
Our licensed partners
Where we don't hold a licence ourselves, a regulated partner provides the service. When you use that service, the partner's own terms may also apply.
| Service | Provided by | Regulated by | Licence |
|---|---|---|---|
| Balances and e-money | [partner] | [regulator] | [number] |
| International transfers | [partner] | [regulator] | [number] |
| Currency exchange | [partner] | [regulator] | [number] |
| Digital assets and custody | [partner] | [regulator] | [number] |
| H Individual card | [issuer] | [regulator] | [number] |
| Identity verification | [provider] | Not regulated | — |
Where services are available
We open routes one at a time. Availability depends on where you live and where you're sending money. The network status on our home page shows which routes are live, in beta or planned. [Compliance: confirm which countries customers can be resident in at launch.]
How your money is protected
- Money in your H Individual account is not a bank deposit and is not protected by the Hong Kong Deposit Protection Scheme.
- Customer money is held separately from our own money, in [segregated / trust] accounts with [bank name(s)], as the rules require.
- If we or a partner became insolvent, customer money held this way is ring-fenced for customers. [Compliance: confirm wording for each licence.]
Digital assets
Digital assets are not legal tender, not deposits and not covered by any compensation scheme. Their value can go down as well as up. Digital assets you hold are kept by [custodian], with [x%] in offline cold storage. Please read our Crypto risk notice before you buy or send digital assets.
Exchange rates
Rates shown on our website and in our apps are indicative mid-market rates from third-party data providers, including [rate provider(s)]. The rate you get is the one shown on your quote when you confirm a transfer.
Trademarks
H Individual and the H·I logo are trademarks of [Harbour & Hills legal entity]. Apple and the Apple logo are trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Other names may be trademarks of their owners.
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