(e) The Member hereby agrees and authorizes AsiaPay to verify the Member's information (including any updated information), to obtain credit reports about the Member from time to time, and to obtain a credit authorization from the Member's credit card issuer. The Member agrees that AsiaPay reserves the right to request a review of the Member's credit history and rating at its own expense through any credit bureau or institution. The Member also authorizes AsiaPay to obtain financial information regarding the Member's account or the transaction from any party involved in the transaction to resolve payment-posting problems.