新春佳节将至，作为中国传统节日的春节，外籍友人也将一同欢度节日，参与节日消费热潮。为保障外国友人的合法权益，中国人寿财险天津市分公司温馨提示：
As the Spring Festival, a traditional Chinese festival,foreign friends will also celebrate the festival and join the holiday consumption boom. To protect the legitimate rights and interests of foreign friends, China Life Property & Casualty Insurance Company Limited Tianjin Branch hereby offers the following warm tips:
保留所有发票、合同及沟通记录。进行大额消费前，建议提前了解商家信誉与经营资质。
Keep all invoices, contracts and communication records. Before making large-value purchases, it is advisable to check the merchant's reputation and business qualifications in advance.
《中华人民共和国消费者权益保护法》同样适用于外籍消费者。提前了解相关规则，有助于防范风险，保障您的消费权益与体验。
China’s Consumer Rights and Interests Protection Law also applies to foreign consumers. Understanding relevant rules in advance will help prevent risks and protect your consumer rights and shopping experience.
退换货政策：请在购买前确认退换货规则（如时效、商品状态等）。部分商家若无有效凭证（如购物小票或发票），可能拒绝办理退款或换货。
Return and Exchange Policy: Please confirm the return and exchange rules (such as time limits and product conditions) before purchase. Some merchants may refuse to process refunds or exchanges without valid proof (e.g., shopping receipts or invoices).
语言障碍：务必要求商家提供您能理解的语言版本的合同、收据及相关条款。如无法提供，请在交易前要求对方进行翻译或详细说明，确保信息无误。
Language Barriers: Always insist that the merchant provides contracts, receipts, and related terms in a language you understand. If such documents are unavailable, request a translation or detailed explanation before completing the transaction to ensure all information is accurate.
线上交易安全：建议在官方平台完成交易，避免直接向私人账户转账，以保障资金安全和售后权益。
Online Transaction Security: It is recommended to complete transactions on official platforms and avoid transferring money directly to personal accounts, so as to protect fund security and after-sales rights.
价格透明性：购买高价值商品时请多渠道比价。警惕针对非本地消费者抬价的行为（常见于出租车、旅游区等场景）。
Price Transparency: When buying high-value goods, compare prices through multiple channels. Be wary of price gouging targeting non-local consumers (a common practice in scenarios such as taxi services and tourist areas).
保修与维修：索取书面保修条款，明确保修期限与范围。请注意，非官方授权的维修可能导致保修失效。
Warranty and Maintenance: Ask for written warranty terms to clarify the warranty period and coverage. Please note that unauthorized repairs may invalidate the warranty.
个人信息保护：避免提供非必要的个人信息。使用应用或网站时，请确认其符合《中华人民共和国个人信息保护法》等相关隐私法规。
Personal Information Protection: Avoid providing unnecessary personal information. When using apps or websites, make sure they comply with relevant privacy laws and regulations such as the Personal Information Protection Law.
纠纷解决途径：如遇消费纠纷，可通过以下方式维权
Dispute Resolution Channels: In case of consumption disputes, you may protect your rights through the following channels:
全国消费者投诉热线：12315（24小时服务，提供英语支持）；
National Consumer Complaint Hotline: 12315 (24-hour service with English support);
当地市场监督管理局；
Local Administration for Market Regulation;
紧急情况下可联系您所属国家的驻华使领馆寻求协助。
In case of emergency, you may contact the embassy or consulate of your home country in China for assistance.（中国人寿财险天津市分公司）
