20191218
THIS CONSUMER TERMS AND CONDITIONS (“CONSUMER TERMS”) IS APPLICABLE AND BINDING UPON YOU WHEN YOU ACCESS OUR PLATFORM AND/OR WHEN YOU USE OUR SERVICE. IN ADDITION TO THIS CONSUMER TERMS, ADDITIONAL TERMS AND CONDITIONS MAY APPLY, DEPENDING HOW YOU ACCESS OUR PLATFORM AND/OR USE OUR SERVICE.
Our Service is provided to you on an “as is” basis without any warranty of any kind and our liability to you in connection with your use of our Service is very limited. It is, therefore, important that you read the Consumer Terms carefully before accessing our Platform and/or using our Service. By actually accessing our Platform and/or using our Service, you understand and agree that we will treat that you are agreeing to be bound by the Consumer Terms in its entirety from that point onwards.
IF AT ANY TIME YOU DO NOT ACCEPT ANY OR ALL OF THE CONSUMER TERMS IN ITS ENTIRETY, YOU MUST IMMEDIATELY DISCONTINUE THE USE OF THE PLATFORM AND/OR USE OF OUR SERVICE.
1. |
DESCRIPTION OF SERVICE |
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1.1 |
The e-Wallet Service facilitates the execution of payment by you to a Merchant. |
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1.2 |
The provision of the Service and availability of the Platform is subject to the Appropriate Authority and Law, and nothing contained in the Consumer Terms are in derogation of our rights and obligations to comply with such Appropriate Authority and Law. |
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2 |
OUR RIGHTS TO MAKE CHANGES |
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2.1 |
We can change any terms and conditions of the Consumer Terms and other terms and conditions found within kiple Website at any time, without notice. As such, you should look at the terms and conditions relevant to you regularly. When changes are made, it will be effective immediately upon posting on kiple Website. You understand and agree that if you continue to access and/or use the Platform, and/or maintain an Account with us (whether or not you are using it) after the date on which such terms have changed, we shall treat you have accepted those changes in its entirety. |
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2.2 |
We are also constantly evolving in order to provide the best possible experience and information to our users. As such, you acknowledge and agree that the form and nature of our Services may change from time to time without any prior notice to you. As part of this continuing process, we may stop (permanently or temporarily) providing any of the Service (or any features within the Service) to you without any prior notice. We shall not be liable for such change or discontinuance. |
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3 |
CAN YOU CHANGE ANYTHING IN THE CONSUMER TERMS? |
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3.1 |
Unless the language in such document unequivocally and expressly allowed in the Consumer Terms, you cannot make any changes without first obtaining our written consent. |
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4 |
DEFINITIONS AND INTERPRETATIONS |
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4.1 |
Definitions.
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4.2 |
Interpretations.
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5 |
YOUR PERSONAL DATA |
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5.1 |
When you provide us with your Personal Data, you agree that we may use it to supply you with the Service and for other purposes described in our Privacy Policy. Without your Personal Data, we may not be able to allow you access and/or use certain Service, or provide the level of service you expect. To learn about how we collect and protect your Personal Data, please refer to our Privacy Policy. Any non-personal information or material sent to us by you will generally NOT be treated as confidential. |
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6 |
ELIGIBILITY AND YOUR APPLICATION |
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6.1 |
We will contract with you only if you are 18 years old and above. If you are below 18, please obtain your parent or guardian’s permission before accessing and/or using our Service. All Personal Data provided by a user and all transaction entered into with us shall be deemed to have been submitted by a user above 18 or has obtained the relevant permission from their parent or guardian. |
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6.2 |
When you make an application, you are requesting us to supply the Service to you. We will perform a e-KYC before approving your application. We have the absolute discretion to determine your eligibility and shall have the right to reject your application and/or refuse the provision of Service to you, at any time, without liability, even if we do not provide you with reason. Our decision is conclusive and binding on you and you have no right to question our decision. |
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6.3 |
In addition to the foregoing paragraph, we may refuse your application if:
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7 |
CREDIT RATING |
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7.1 |
You agree that as part of the application process, we can check your Credit Rating through a Credit Reporting Agency. We can conduct further credit checks on you while you remain as a subscriber with us. You understand that a credit inquiry could adversely affect your Credit Rating. Subject to any legal requirements under the PDPA to disclose Personal Data to you, we do not have to disclose our credit criteria or the reasons for our decision to you (regardless whether or not it relates to declining your application, providing a restricted Service to you, or otherwise). If you are not satisfied with the information provided by the Credit Reporting Agency, you will need to contact them directly. You are aware and agree that we may report your payment record to any Credit-Reporting Agency at any time. |
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8 |
PROMOTION |
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8.1 |
We may offer you a Promotion from time to time. The terms of each Promotion will either be set out in a specific term for the relevant Service, in advertising material, kiple Website, our Social Media, or any other platform. If you participate the Promotion, the terms of the Promotion will prevail to the extent that the terms of the Promotion are inconsistent with the terms of this Consumer Terms, otherwise, the terms and conditions of this Consumer Terms shall continue to apply. After the Promotion expires, the Promotion will end and the full terms and conditions of the Consumer Terms will apply again. |
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9 |
YOUR ACCOUNT |
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9.1 |
Creation of Account |
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9.2 |
Accuracy of your information |
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9.3 |
Social Media |
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9.4 |
Security
You are responsible for all activities that occur under your Account. You must immediately notify us of any unauthorised use of your Account, or breach of security. We will not be liable for any loss of e- Money in your e-Wallet. |
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9.5 |
Transaction and Available Balance
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9.6 |
Top-Up, Deduction & Auto Top-Up
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9.7 |
Withdrawal |
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9.8 |
Transfer of e-Money |
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9.9 |
Dormant Account |
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9.10 |
Death |
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9.11 |
Other User |
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10 |
TAXES |
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10.1 |
Our Service may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, service, sales, or withholding taxes, assessable by Malaysia tax authority (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. |
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11 |
YOUR OBLIGATIONS & RESTRICTED ACTIVITIES |
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11.1 |
In connection with the use of the Service, Platform, or in the course of interaction with us, Merchant, or third party, you must NOT: -
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11.2 |
You MUST: -
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12 |
TRANSACTION DISPUTE WITH MERCHANT |
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12.1 |
You should always ensure that transaction amount is correct prior to making any payment. By paying, we shall deem that all entries shown in the transaction history are true and accurate unless you are able to prove that the transaction is erroneous. |
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12.2 |
We are not responsible and we shall not be liable for any transaction you made with a Merchant. All disputes with regard to a transaction should be addressed directly to the Merchant from whom you have transacted with. Once you lodged a complaint with the Merchant, we are committed to dealing with your complaints fairly and resolving issues in accordance with the Merchant-Customer Dispute Process Schedule. |
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12.3 |
The e-Money will only be credited back to your e-Wallet once the dispute has been properly processed, investigated and cleared by the Merchant in accordance with Merchant-Customer Dispute Process Schedule. |
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13 |
DISPUTE YOU HAVE WITH US |
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13.1 |
For all disputes, whether pursued in court or with the relevant regulatory body, you must first give us an opportunity to resolve your claim by sending a written description of your claim addressed to us in the manner set out in this Clause. |
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13.2 |
If e-Money is wrongly deducted from your Account, you must give us a notice within sixty (60) days from the date of the wrongful deduction specifying (a) the entry/amount in dispute, (b) the reasons why such entry and/or amount is disputed. |
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13.3 |
You irrevocably agree that in the event you fail to give us any notice in writing disputing the entry found in your Account within sixty (60) days from the date of the transaction date, then you are deem to have accepted the entry as correct and accurate and such entry shall be binding and conclusive evidence against you of the correctness and accuracy of the entry specified in the Account. |
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13.4 |
Upon receipt of the written notice, we will use resolve the dispute in accordance with Kiple-Consumer Dispute Resolution Process Schedule. We may, as and when we deem fit, conduct any investigation regarding the disputed amount. The result of the findings is deemed to be final and conclusive and binding on you and shall not be questioned by you on any account. |
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13.5 |
If our finding shows the deduction or error is caused by us, we will reverse any incorrect amount that have been applied to e-Wallet in accordance with Kiple-Consumer Dispute Resolution Process Schedule. |
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13.6 |
In the event your Account is suspended or terminated due to breach of the Law, fraudulent, improper and/or illegal use of the Service, you shall not be entitled to obtain any refund or withdraw your e- Money. We shall have the right to retain the e-Money for an indefinite period and/or release it to the Appropriate Authority in accordance with the Law. You shall have no claim against us. |
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13.7 |
You agree that any cause of action arising out of or related to the access and/or use of the Service or Platform must commence within six (6) months after the cause of action arose; otherwise, such cause of action is permanently barred. |
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13.8 |
If we are not able to resolve your dispute and you are not satisfy with our attempt to resolve the dispute, you may refer your complaint to Bank Negara Malaysia with details below Bank Negara Malaysia website: http://www.bnm.gov.my/ BNMTELELINK BNMLINK and BNMTELELINK operating hours are from: |
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14 |
MERCHANT’S PROPERTY |
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14.1 |
The Service may contain certain content, promotion, goods and/or services supplied by a Merchant. It may also contain certain hyperlinks to other websites which are neither maintained nor controlled by us (“Merchant’s Property”). Merchant’s Property is provided to you as a matter of convenience only. |
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14.2 |
Any dealings with such Merchant are solely between you and such Merchant. Before you transact with such Merchant, we encourage you to read their terms and conditions carefully including their privacy policy. You must ensure you comply strictly with the terms and conditions of the Merchant and does not erode our rights in any circumstances. In addition to any of other rights, you agree to indemnify, defend and hold us harmless from any losses and threatened losses arising from and in connection with, or based on any allegation of (a) any claim from Merchant resulting from any of your act, omission and/or negligence, or (b) any other claim arising out of or related to your breach of such Merchant’s terms and conditions, whether directly or indirectly. |
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15 |
INTELLECTUAL PROPERTY |
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15.1 |
kiple, kiplePay, and all logos related to the Service are either our trademarks or registered trademarks. You may not copy, imitate, modify or use them without our prior written consent. All rights, title and interest in and to our Platform, any Content thereon, the Services, the technology related to the Services, and any and all technology and any content created or derived from any of the foregoing belong to us exclusively and/or our licensors. Additionally, other marks which appear in the Service may contain marks of Merchant or third party that are not affiliated with us. We do not own such Merchant’s marks or third-party’s marks and the use of such marks may be subject to the terms and conditions of such Merchant or third-party. |
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15.2 |
We grant you a revocable, non-exclusive, non-sublicensable, non-transferable, royalty-free limited licence to access the Platform and/or use the Service. This licence is for the sole purpose of enabling you to use and enjoy the benefit of the Service provided by us only. There are no implied licenses under the Consumer Terms and any rights not expressly granted to you hereunder are reserved by us. This license grant applies to the software and all updates, upgrades, new versions and replacement software. |
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16 |
CONTENT |
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16.1 |
The Content is provided to you on an “AS IS” basis for your information and personal use only. Except as we specifically agree in writing, the Content shall not be used, reproduced, transmitted, distributed or otherwise exploited in any way. If we expressly allow you to download a particular Content, you may download one copy of such Content to a single device for your personal, non-commercial home use only do so provided that you (a) keep intact all copyright and other proprietary notices, (b) make no modifications to the Content, and (c) do not use the Content in a manner that suggests an association with us. |
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16.2 |
We reserve the right to limit and/or prohibit your access and/or use to any of the Content at our sole discretion and shall not be liable for any such limitation or prohibition. |
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16.3 |
You further acknowledge and understand that the Content provided in any part of our Platform may contain technical inaccuracies or typographical errors. We also disclaim any liability for any Content or information that may become outdated since the last time that particular piece of information was updated. We can make changes and corrections to any parts to any part of the Content contained in the Platform at any time without prior notice to you. |
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17 |
USER GENERATED CONTENT |
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17.1 |
Save and except as provided for in our Contest terms, we do not claim ownership of the User Generated Content. When you post any User Generated Content you grant us and our Affiliate a non-exclusive, irrevocable, royalty-free, transferable, and worldwide license to use the User Generated Content and associated intellectual property and publicity rights to help us improve, operate and promote our current services and develop new ones. We will not compensate you for any of the User Generated Content. |
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17.2 |
Further to the foregoing paragraph, by submitting your User Generated Content to us, you warrant that: -
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17.3 |
We do not endorse any User Generated Content or any opinion, recommendation, or advice expressed therein, and we expressly disclaim any and all liability in connection with User Generated Content. We do not permit activities which will infringe any intellectual property including copyright and we will remove all infringing contents and User Generated Content upon notification that such Content or User Generated Content infringes on another’s intellectual property. We further reserve the right to remove any User Generated Content without prior notice. |
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17.4 |
If you believe that your work has been copied and posted in our Platform, without your permission or in any other way that constitutes copyright infringement or if you have any form of complaint or grievances in relation to the User Generated Content posted, please contact our Customer Service Support. |
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17.5 |
You are solely responsible for your interactions with another user. We reserve the right, although we have no obligation, to monitor disputes between you and other user, and to take any action that we feel may be appropriate in our sole discretion, consistent with the Consumer Terms. |
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18 |
DISCLAIMER |
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18.1 |
THE SERVICE IS PROVIDED TO YOU ON AN ‘AS IS’ BASIS, WITH ALL FAULTS. WE DO NOT MAKE ANY REPRESENTATION OR WARRANTY OF ANY KIND, WHETHER ORAL OR WRITTEN, WHETHER EXPRESS OR IMPLIED, OR ARISING BY LAW, CUSTOM, COURSE OF DEALING, COURSE OF TRADE, WITH RESPECT TO THE SERVICE. |
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18.2 |
WE MAKE NO REPRESENTATION THAT THE DEFECT IN OPERATION OR FUNCTIONALITY OF THE PLATFORM, IF ANY, WILL BE CORRECTED. WE DISCLAIM ANY AND ALL IMPLIED WARRANTIES ON CONDITIONS OF TITLE, MERCHANTIBILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON- INFRINGEMENT. |
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18.3 |
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR FROM OUR PLATFORM SHALL NOT CREATE ANY WARRANTY STATED IN THE TERMS. |
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18.4 |
ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM, MOBILE DEVICE, OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. |
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18.5 |
WE DO NOT CONTROL OVER ANY GOODS AND/OR SERVICES PROVIDED BY A MERCHANT WHO ACCEPT KIPLEPAY AS A PAYMENT METHOD AND WE CANNOT ENSURE THAT THE MERCHANT YOU ARE DEALING WITH WILL ACTUALLY COMPLETE THE TRANSACTION OR IS AUTHORISED TO DO SO. |
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18.6 |
WE ARE COMMITTED TO ENSURING ALL TRANSACTIONS PERFORMED IS SECURE, SAFE AND CONFIDENTIAL. HOWEVER, OWING TO THE GLOBAL NATURE OF THE INTERNET INFRASTRUCTURE, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF ANY OF OUR PLATFORM (INCLUDING ANY NETWORKS AND SERVERS USED) OPERATED BY US OR ON OUR BEHALF MAY BE INTERFERED WITH NUMEROUS FACTORS OUTSIDE OUR CONTROL. THERE ARE RISKS THAT YOUR ACCOUNT MAY BE HACKED THROUGH YOUR MOBILE DEVICE, E-MONEY MAY BE STOLEN, OR FRAUDULENT TRANSACTIONS MAY TAKE PLACE. |
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18.7 |
DESPITE TECHNOLOGICALLY ADVANCED PROTECTIONS, MOBILE PAYMENTS AND/OR DATA STORED IN YOUR MOBILE DEVICE AREN’T IMMUNE TO INSTRUSION BY HACKERS AND IDENTITY THIEVES. WE WOULD LIKE TO REMIND YOU TO TAKE EXTREME PRECAUTION. IT IS EXTREMELY IMPORTANT THAT YOU NOTIFY US RIGHT AWAY IF YOU LOST YOUR MOBILE DEVICE SO WE CAN SUSPEND YOUR ACCOUNT TO KEEP SOMEONE ELSE FROM USING IT. YOU ARE RESPONSIBLE FOR ALL LOST OR STOLEN DATA, LOST OR STOLEN E-MONEY, AND/OR ANY TRANSACTION MADE WITHOUT YOUR AUTHORISATION. |
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18.8 |
WE ARE NOT LIABLE TO YOU AT ALL FOR MATTERS ARISING UNDER THIS CLAUSE 18. |
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19 |
EXCLUSION OF LIABILITIES |
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19.1 |
The Indemnified Party shall not be liable to you for any Claims and Losses, including Consequential Loss, for: -
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19.2 |
Notwithstanding anything to the contrary, in the event the Indemnified Party is found liable, whether wholly or partially, by the Appropriate Authority or in a court with competent jurisdiction, you agree that the Indemnified Party’s total aggregate liability to you shall not exceed Ringgit Malaysia Two Hundred (RM200.00) only. This limitation shall apply regardless of the cause of action or legal theory pled or asserted. |
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20 |
YOUR LIABILITY |
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20.1 |
Your liability to the Indemnified Party is to indemnify the Indemnified Party from and against any and all Claims and Losses including Consequential Loss, as a result of: -
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21 |
SUSPENSION |
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21.1 |
We reserve the right to suspend, revoke, refuse and/or block, the use of the Service (or any part therefor), the transaction, and/or your Account, at any time, without liability, without notice, if: -
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21.2 |
The suspension exercised above shall not prevent us from exercising our rights to terminate the Consumer Terms with you and the Service with respect of the same breach. |
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22 |
CLOSING YOUR ACCOUNT |
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22.1 |
You may close your Account and terminate your relationship with us at any time but you will remain liable for all obligations related to your Account even after the Account is closed. When you close your Account, we will cancel any scheduled or incomplete transactions. You must withdraw or transfer any Available Balance. |
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22.2 |
In certain cases, you may not close your Account, including: -
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22.3 |
We shall have the absolute discretion to terminate the Agreement with you, a Platform (whether in whole or in part), and/or the Service (whether in whole or in part) at any time, with or without notice, without liability to you, for any reasons whatsoever. |
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22.4 |
Termination of the Service or Consumer Terms shall not act as a waiver of any liabilities or obligations you may have accrued at or prior to the date of such termination. |
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22.5 |
Those clauses which by their nature would survive the termination or expiration of this Agreement shall so survive. |
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23 |
GENERAL PROVISIONS |
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23.1 |
Your Communication with us Head of Legal We can serve a Formal Notice or other communication to you by electronic email, delivered by hand, courier and/or prepaid ordinary post or registered post (not being AR Registered), facsimile to the address you provided to us. We can also serve you a Formal Notice, or other communication to your last known address in our record. Formal Notice or other communication shall be deemed effective: -
You agree that in the event that any action is begun in the courts in Malaysia in respect of your access and/or use of the Services and/or Platform, the legal process and other documents may be served by posting the documents to you by registered post (not being AR Registered Post) at the address you provided to us or to your last known address in our records and such service shall on the fifth (5) day after posting, be deemed to be good and sufficient services of such legal process or documents. |
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23.2 |
No Partnership. |
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23.3 |
When do we waive a right under the Consumer Terms? |
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23.4 |
When can you and we transfer, assign or novate the Consumer Terms? |
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23.5 |
Severability. |
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23.6 |
Which laws and courts govern the Consumer Terms? |
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23.7 |
Language. |
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23.8 |
Entire Agreement |
Should you have any questions concerning the Consumer Terms, the Service, our Platform, or additional terms and conditions found in the Platform, please contact our Customer Service Support.