ShopeePay Terms of Service


1. SHOPEEPAY TERMS OF SERVICE


1.1       Introduction

Welcome to ShopeePay (the "Platform"), an electronic money issued by ShopeePay Malaysia Sdn. Bhd. (“ShopeePay”), (Company Registration No. 201601007371 (1178299-D). This Terms of

Service is a contract between you and ShopeePay and it governs your use of all Services (defined below). Please read the following Terms of Service carefully before using this Platform or

opening a ShopeePay account ("Account") so that you are aware of your legal rights and obligations with respect to us and our affiliates and subsidiaries (individually and collectively,

 "Company", "we", "us" or "our").


BY USING THE SERVICES OR OPENING AN ACCOUNT, YOU SIGNIFY YOUR IRREVOCABLE ACCEPTANCE OF THESE TERMS OF SERVICE. IF YOU DO NOT AGREE TO THESE TERMS, PLEASE

DO NOT USE OUR SERVICES OR ACCESS THE PLATFORM. IF YOU ARE BELOW 18 YEARS OLD OR THE RELEVANT "AGE OF MAJORITY" WHERE YOU LIVE, YOU MUST GET PERMISSION

FROM A PARENT OR LEGAL GUARDIAN TO OPEN AN ACCOUNT AND THAT PARENT OR LEGAL GUARDIAN MUST AGREE TO THESE TERMS OF SERVICE. IF YOU DO NOT KNOW WHETHER

YOU HAVE REACHED THE "AGE OF MAJORITY" WHERE YOU LIVE, OR DO NOT UNDERSTAND THIS SECTION 1.2, PLEASE DO NOT CREATE AN  ACCOUNT UNTIL YOU HAVE ASKED YOUR

PARENT OR LEGAL GUARDIAN FOR HELP. IF YOU ARE THE PARENT OR LEGAL GUARDIAN OF A MINOR WHO IS CREATING AN ACCOUNT, YOU MUST ACCEPT THESE TERMS OF SERVICE ON

THE MINOR'S BEHALF AND YOU WILL BE RESPONSIBLE FOR ALL USE OF THE ACCOUNT OR SERVICES, INCLUDING ANY TRANSACTION MADE BY THE MINOR, WHETHER THE MINOR'S

ACCOUNT IS NOW OPEN OR CREATED LATER AND WHETHER OR NOT THE MINOR IS SUPERVISED BY YOU DURING HIS OR HER USE OF OUR SERVICES.


We have the right to revise these ShopeePay Terms of Service by providing 21 days’ notice to you. Your continued use of the Services, this Platform, or your registration of an Account, shall be

deemed irrevocable acceptance of these Terms of Service and any such revisions.


We reserve the right at all times, at our sole discretion, to change, modify, suspend or discontinue any portion of this Platform or the Services, including payment methods, temporarily or

permanently, without notice to you or giving any reason.

We may release certain Services or their features in a beta version, which may not work correctly or in the same way the final version may work, and we shall not be held liable in such instances.

We may also impose limits on certain features or restrict your access to parts of, or the entire, Platform or Services in our sole discretion and without notice or liability.


We reserve the right to refuse to provide you access to the Platform or Services or to allow you to open an Account for any reason.


1.2       Services

 The services we provide or make available include (a) the Platform, (b) the services provided through the Platform and by the Company’s client software (“Software”), and (c) all information,

websites, linked pages, features, data, text, images, photographs, graphics, music, sounds, video, messages, tags, content, programming, software, application services (including without

limitation any mobile application services) or other materials made available through the Platform or our related services ("Content") (collectively, the “Services”). Any new features added to or

augmenting the Services are also subject to these Terms of Service. The Services include but are not limited to a one stop solution for the provision of electronic money solutions which consist

of: (i) top up of funds to the Account, (ii) online payment processing services such as making payments to participating 3rd parties (“3P Merchants”), (iii) transfer of funds made by one party to

another party (Peer to Peer/P2P) to other Account(s) or to your own registered bank account, and (iv) other services that we may add from time to time as approved by Bank Negara Malaysia

and/or relevant government institutions.

Our Services are designed to facilitate registered users using our Software (“Users”) to place, accept, conclude, manage and fulfil orders for the provisions of products and services online within

the Platform (“Transactions”). We reserve the right to change, upgrade, modify, limit or suspend the Services or any of our related functions or applications at any time temporarily or permanently

without prior notice. We reserve the right to introduce new features, functionalities or applications to the Services or future versions of the Service. All new features, functionalities, applications,

modifications, upgrades and alterations shall be governed by this Agreement unless otherwise stated.


1.2.1      Top Up Funds

You may add funds to your Account using the following methods:

i       Online Banking

You may direct your bank to allow the Platform to transfer funds to and/or from your designated bank account. To assist you in this aspect, a step-by-step instruction will be provided and the

same may be located within the Platform under the “Add Bank Account” section. You will be required to verify some personal information to activate the Digital Wallet Service. By activating the

Digital Wallet Service, you confirm that (a) you have provided us with your consent to use your personal information for the Services; (b)you are legally authorised to access the bank account(s)

you have linked to your Account; and (c) you will pay or allow us to deduct from your Account all fees and charges associated with the use of the Services.


ii      Credit/Debit Card 

a. You agree that we may verify and authorize your credit/debit Card details when you first register with us as well as when you use the Services.

b. In the case of credit/debit cards, you agree that we may issue a reasonable authorization hold, which is not an actual charge against your card, in order to verify your payment method via your

card. The hold may appear in your statement as “pending”. The authorization hold is issued as a preventive measure against any unauthorized or fraudulent usage of your card.

c. In the event you intend to top up your account via credit/debit card, you hereby confirm, consent and irrevocably authorize ShopeePay to charge your credit card account, for the reload sum

whenever you consent from ShopeePay TopUp page. You further agree and undertake to comply with the terms and conditions imposed by the issuer of the credit/debit card.

d. The Company has the right to suspend the processing of any transaction where it reasonably believes that the transaction may be fraudulent, illegal, abusive or involves any criminal activity or

where the Company reasonably believes you to be in breach of this Terms of Service

e. You agree that you will cooperate in relation to any financial crime screening that is required and to assist the Company in complying with any prevailing laws or regulations in place.

f. When you make a top up via credit/debit card, you are liable to the Company for the full amount of the payment is later invalidated for any reason including but not limited to claims,

chargebacks, or if there is a reversal of the payment. You agree to allow the Company to determine (or in the case where a credit card is used as the funding source, to work with your credit card

issuer) to determine the appropriate party to incur the burden of such claims, chargebacks or reversals and where applicable to recover any amounts due to the Company by debiting your

ShopeePay Wallet.


iii     You acknowledge and agree that no liability shall be incurred by us if we are unable to complete any transfers initiated by you for any reason beyond our control such as:

a. If, through no fault of ours, your Account does not contain sufficient funds or if the transfer would exceed the transactional limit set for your Account;

b. Our payment processing centre is not working properly and you know or have been advised by us about the malfunction before you execute the transfer;

c. You have not provided us with the correct Account information, or information that you provided becomes incorrect; and/or

d. Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force), even if foreseeable or foreseen, that prevent the proper execution of the

transfer and we have taken reasonable precautions to avoid those circumstances.


iv     Auto Top-Up via Credit/Debit Card

In the event you intend or have subscribed to the Auto Top Up function available in the ShopeePay Wallet, you hereby confirm, consent and irrevocably authorize ShopeePay to charge your credit

card account, for the pre-set reload sum whenever the Auto Reload function is utilized. You further agree and undertake to comply with the terms and conditions imposed by the issuer of the

credit card. For the avoidance of doubt, in the event your Auto Top Up request is declined due to any reason whatsoever, kindly refer to our FAQ. 


Subject to Section 9, and provided none of the foregoing exceptions are applicable, if we cause an incorrect amount of funds to be removed from your Account or causes funds from your

Account to be directed in a manner inconsistent with your instructions, you agree that your sole remedy shall be to have the wrongly deducted sum returned to your Account.


1.2.2 Payment Processing Services 

You may make payment to a third party, such as 3P Merchants through our Platform either by way of static/dynamic QR Code payment, or settlement via the Platform). By using our Services, you

agree that we may use all information, including personal and billing information, provided by you to us in the course of using the Services (“Payment Instructions”). You acknowledge and agree

that it is your sole responsibility to ensure that all your Payment Instructions are correct, complete and accurate in every respect and you understand that time is required to process

your Payment Instructions. The Payment Instructions provided by you will be treated as final and we will not be required to verify the Payment Instructions with you. Further, by providing us with

your Payment Instructions, you agree to pay or allow us to deduct from your Account all fees and charges associated with your Payment Instructions.


We are solely a payment agent and we do not hold any stock in our inventory. All feedback and complaints about your purchases should be directed to the relevant 3P Merchant. Your Payment

Instructions may be made out through your Account balance.  You may use funds from your designated Account to make payments or purchases.


1.2.3 Withdrawal


You may withdraw available funds from your verified Account (subject to Section 1.6 of these Terms of Services) using the following method:


1.2.4 Transfer of Funds


a.    Transfer of Funds

You may transfer funds from your verified Account (subject to Section 1.6 of these Terms of Services) using the following method. You will be prompted to enter your Account PIN sent to your

registered mobile telephone number in order to complete the fund transfer request. 


b. Fund Transfer to Other Account

You may transfer funds to other Account(s). The transfer amount will be deducted from your Account and may reach at the recipient’s Account in real-time.


c. Fund Transfer to Bank Account

You may withdraw funds from your Account to your own registered and valid bank account. The withdraw amount will be deducted from your Account and may reach your bank account by the

next three (3) business day.  If you use our fund transfer feature, you acknowledge and understand that:


We may require that you provide more information in order to complete your fund transfer request, and we will not be able to process the request until you provide us with the information

requested;


 If you receive and accept a fund transfer, you are liable to us for not only the transfer but also any fees that may result from a later invalidation of that transfer for any reason, such as

in event where the transfer is reversed. You acknowledge and agree that we are entitled to recover any amounts due to us and irrevocably authorise us to debit any amount due to us from your

Account balance without notice to you. If your Account balance is insufficient to cover this amount, we reserve the right to charge the amount to your Payment Instructions, or to take any other

legal action to collect the funds to the full extent allowed by applicable law;


You are using fund transfer feature at your sole risk and we assume no responsibility for the underlying transaction of funds, or the actions or identity of any transfer recipient or sender. Any

dispute arising from funds transferred via the fund transfer feature is strictly a private matter between the Users;


The use of fund transfer feature may subject you to fees including without limitation those from third parties, such as reversal charges or other fees for insufficient funds if your attempted

transfer is rejected; and


The fund transfer feature must be used in compliance with applicable law and may not be used in connection with any illegal or illicit transaction. If illegal or illicit transactions are reported or

discovered, we reserve the right to take action including without limitation the following, without notice to you: place a hold on your fund transfer request; place a reserve on your funds; limit

your ability to use the Services; report the activity to authorities; or deactivate your Account.


i. Bank Transfer

You may withdraw funds from your Account to a registered and valid bank account. You are required to complete the KYC (Know Your Customer) before you are allowed to withdraw. You will be

prompted to enter your Wallet PIN in order to proceed with the withdrawal. The withdrawal amount will be deducted from your Account and may reach your bank account within three (3) business

days.


1.2.4      Fees of Services

 We do not currently charge any fees for top-ups or withdrawals.  However, we reserve the right to charge fees in the future, and you agree that we may automatically deduct such fees from your

Account


1.2.5      No Liability


You acknowledge and agree that no liability shall be incurred by us if we are unable to complete any Payment Instructions initiated by you for any reason beyond our control including but not

limited to the following:

i           If, through no fault of ours, your Account does not contain sufficient funds or if the payment or purchase would exceed the transactional limit set by you for your Account;

ii          Our payment processing centre is not working properly and you know or have been advised by us about the malfunction before you execute the Payment Instructions;

iii         You have not provided us with the correct Account information, or information that you provided becomes incorrect; and/or

iv        Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force), even if foreseeable or foreseen, that prevent the proper execution of the Payment Instructions and we have taken reasonable precautions to avoid those circumstances.


Subject to Section 9, and provided none of the foregoing exceptions are applicable, if we cause an incorrect amount of funds to be removed from your Account or cause funds from your Accoun

to be directed in a manner that does not comply with your instructions, you agree that your sole remedy shall be to have the wrongly deducted sum returned to your Account.  You agree and

acknowledge to release and indemnify us against any damages, losses and claims from the third party in relation with the foregoing.

In the event where a Transaction is terminated, we may, at our sole discretion, determine whether it is reasonable to refund part of or all the funds to the User.

We may limit any or all of the Services available to any User, in accordance with this Terms of Service. The types of Transactions and other benefits, features, and functions of the Services

available to a User may vary for different countries and regions. No warranty or representation is given that the same type and extent of transactions, benefits, features and functions will be

available to all Users.


We reserve the right to refuse or cancel any Transaction for any reason at our sole discretion. Situations that may result in a Transaction being rejected or cancelled, include, but are not limited to

problems which have been identified by our credit and fraud control department, where we have reason to believe that the Transaction is unauthorised, violates any law, rule, or regulation, or may

otherwise subject us or any of our affiliates to liability. We may also require additional verifications or information of any Transaction.


We may impose additional restrictions, limitations, prohibitions or any other measures that we, in our sole discretion, deem necessary or reasonable in each Transaction. You will be responsible

for all Transactions made through the Platform via your designated Account, with or without your authority, knowledge or consent, and may not claim against us i


connection with any such use or purported use.


1.3       Privacy

 Your privacy is very important to us. To better protect your rights we have provided the Company’s Privacy Policy to explain our privacy practices in detail. Please review the Privacy Policy to

understand how we collect and use the information associated with your Account and/or your use of the Services. By using the Services or agreeing to these Terms of Service, you consent to our

collection, use, disclosure and/or processing of your Content and personal data as described in the Privacy Policy. 


Users in possession of another User’s personal data (the “Receiving Party”) must (i) comply with all applicable personal data protection laws; (ii) allow the other User (the “Disclosing Party”) to

remove him/herself from the Receiving Party’s database; and (iii) allow the Disclosing Party to review what information has been collected about them by the Receiving Party.


1.4       Limited license

We grant you a limited licence to access and use the Services subject to the terms and conditions of these Terms of Service for personal use only. Unless we provide you with our consent, this

licence does not allow you to make any commercial use or any derivative use of the Services (including without limitation any of our individual elements or Content). All proprietary Content,

trademarks, service marks, brand names, logos and other intellectual property displayed in the Platform are the property of Company and where applicable, third party proprietors identified in the

Platform. No right or licence is granted directly or indirectly to any party accessing the Platform to use or reproduce any such proprietary Content, trademarks, service marks, brand names, logos

and other intellectual property, and no party  the Platform shall claim any right, title or interest therein. By using or accessing the Services you agree to comply with the copyright, trademark,

service mark, and all other applicable laws that protect the Services, the Platform and our Content. You agree not to copy, distribute, re-publish, transmit, publicly display, publicly perform,

modify, adapt, rent, sell, or create derivative works of any portion of the Services, the Platform or our Content. You also may not, without our prior written consent, mirror or frame any part or

whole of the contents of this Platform on any other server or as part of any other website. In addition, you agree that you will not use any robot, spider or any other automatic device or manual

process to monitor or copy our Content, without our prior written consent (such consent is deemed given to standard search engine technology employed by Internet search websites to direct

Users to this website).


You are welcome to link to the Platform from your website, provided that your website does not imply any endorsement by or association with us. You acknowledge that we may, in our sole

discretion and at any time, discontinue providing any part of the Services without notice.


1.5       Software 

Unless accompanied by a separate license agreement, any software provided by us to you as part of the Services is subject to the provisions of these Terms of Service. The software is licensed,

not sold, and we reserve all rights to the software not expressly granted by us. Any third-party scripts or code, linked to or referenced from the Services, are licensed to you by the third parties

that own such scripts or code, not by us.


1.6       Accounts and security

 To access our Services, User is required to register for an Account by providing certain personal information such as your mobile telephone number, selecting a password, and optionally

selecting a unique User identification ("User ID"). If you select a User ID that we, in our sole discretion, find offensive or inappropriate, we have the right to suspend or terminate your Account. 

Once an Account is set up you can directly transact. However, without further verification, you can only store maximum RM500 (RM five hundred) in the Account. By setting up an Account, you

confirm that you have provided us with your consent to use your personal information stored by the relevant 3P Merchant for verification if required including, but not limited to, when your

Account mobile-activated phone has been lost, stolen or deactivated. If you want to be a verified user, you will need to submit a picture of you and your identity card, address, birth date and birth

place, mother’s name and identity card number. Once verified, you can store a maximum of RM1,500 (RM one thousand five hundred) to the Account. The maximum limit of incoming funds per

month (including top-ups and refunds) for verified and unverified Account is RM30,000 (RM thirty thousand). By registering for an Account, you confirm that (a) you have provided us with your

consent to use your personal information for the provision of Services; and (b) you will pay or allow us to deduct from your Account all fees and charges associated with the use of the Services.


You may be able to use your Account to gain access to other products, websites or services to which we have enabled access or with which we have tied up or collaborated. We have not

reviewed, and assume no responsibility for any third party content, functionality, security, services, privacy policies, or other practices of those products, websites or services. If you do so, the

terms of service for those products, websites or services, including their respective privacy policies, if different from these Terms of Service and/or our Privacy Policy, may also apply to your use

of those products, websites or services.


You agree to (a) keep your password and PIN confidential and use only your personal Account password and PIN when logging in, (b) ensure that you lock

your Account at the end of each session on the Platform, (c) immediately notify us of any unauthorised use of your Account, and (d) ensure that your Account information is accurate and up-to

date. You are fully responsible for all activities that occur under your Account even if such activities or uses were not committed by you. Once you are logged in to the Account, you will stay

logged in until you log out. If someone (you or someone else) has entered the wrong password and/or PIN up to 5 times in a row within 1 (one) day, your Account will be blocked. To recover your 

blocked Account, you must contact us. We will not be liable for any loss or damage arising from unauthorised use of your password or your failure to comply with this Section 6.3.


We may require that you submit documents such as identification documents so that you may access our Services.


You are responsible for providing accurate registration information and for keeping your registration information up to date, or notifying us in the event of changes.


You agree that we may for any reason, in our sole discretion and without notice or liability to you or any third party, immediately terminate your Account, and remove or discard from the Platform

any Content associated with your Account.Grounds for such termination may include, but are not limited to, (a) extended periods of inactivity, (b) violation of the letter or spirit of these Terms of

Service, (c) fraudulent, harassing, defamatory, threatening or abusive behaviour or (d) behaviour that is harmful to other Users, third parties, or the business interests of the Company. Use of an

Account for illegal, fraudulent, harassing, defamatory, threatening or abusive purposes may be referred to law enforcement authorities without notice to you. If you file a claim (under any cause of

action whatsoever) either against us, or which in any way involves us, then we may terminate your Account. 


If your Account is or remains inactive (which means you have not logged into your Account) for more than three (3) months, we reserve the right to adopt the necessary measures such as

suspend or deactivate your Account.


You may only use the Services and/or open an Account if your applicable jurisdiction allows you to accept these Terms of Service. 


For certain 3P Merchants, your 3P Merchant account must be terminated if you want to terminate your Account with us. In these scenarios, you need to submit a request to us or the relevant 3P

Merchant’s customer service directly and settle all of your obligations and ensure that your Account is not frozen/blocked before it can be automatically terminated. Please note that your Account

can only be terminated if the balance is nil. Termination will be done immediately after request is submitted (within 24 hours), given that you do not have any pending obligations.


Prior to the termination of the Account, you must withdraw your remaining balance in the Account (“Redemption”), after deducting with any operational costs payable (if any) such that your

Account balance is nil. Please note that your Account can only be terminated if the balance is nil. The method of Redemption is stipulated under the method of withdrawal as provided in these

Terms of Service. There is no minimum limit balance in the Account that can be redeemed. However, if the balance in the Account is insufficient for any deduction of the costs payable, you are

required to settle this obligation by way of method separately set out by us.


Should your Account be banned due to investigation by Government/Authorized Body(s), we reserve the right to retain your money indefinitely and/or release it per instruction from the

Government or Authorized Body(s).


You may only use the Services and/or open an Account if your applicable jurisdiction allows you to accept these Terms of Service


1.7       Suspension or breakdown of systems 


If you are unable to use the Services as a result of improper operation of the Software due to any of the following reasons, you agree that you will not hold us or our affiliates liable for:

a.      giving notice of system suspension or maintenance on our Platform;

b.      failure in transmission of data due to breakdown or suspension of telecommunications equipment and/or systems;

c.     failure in system operations due to force majeure events including, but not limited to typhoon, earthquake, tsunami, flood, blackout, war, terrorist attack, beyond our reasonable control; or

d.     the Services are interrupted or delayed due to hacking, maintenance, upgrades, banking or regulatory bodies, and any other reasons.


You agree and acknowledge that you will release and indemnify us against any damages, losses and claims from you or other third party in relation with the foregoing suspension or breakdown

of systems


1.8       Refunds


 In the event that a Transaction is cancelled, refunds for Transactions made via:

a.         bank transfer, ShopeePay and online payment will be credited to your ShopeePay wallet; and

b.         credit / debit card will be credited back to the credit / debit card used in the Transaction. In the event that:

c.         the refund amount exceeds your ShopeePay wallet limit, such refund will be transferredto the default bank account linked to your account (“Default Account”); and

d.        a single refund does not exceed your ShopeePay wallet limit, but the total value when aggregated with your ShopeePay wallet balance exceeds your ShopeePay wallet limit, such refund will be withheld by ShopeePay until you withdraw enough funds from your ShopeePay wallet such that your ShopeePay wallet limit is not exceeded as a result of the refund.


Your Default Account is a standalone account and must be set-up individually.  You can set up the Default Account via the Shopee App ("Me" > "ShopeePay" > "Setting" > "ShopeePay Bank

Accounts").


Refunds via:

a.     credit card may take 7-14 business days to reach your credit card account;

b.    your Default Account may take 1-3 business days to reach your Default Account; and


c.     ShopeePay wallet are immediate.


1.9       Errors and unauthorised transactions


When an unauthorised Transaction or an error occurs in your Account, we will cover you for the full amount of every eligible unauthorised Transaction or error as long as you follow

the procedures set out below. An unauthorised Transaction occurs when a payment is sent from your Account that you did not authorise and did not benefit you i.e. if someone steals your

password, uses the password to access your Account, and sends a payment from your Account, an unauthorised Transaction has occurred. If you give someone access to your Account (by

giving them your login information) and they conduct transactions without your knowledge or permission, you are responsible for any resulting use.



You should immediately notify us if you believe:
●          there has been an unauthorised Transaction or unauthorised access to your Account;
●          there is an error in your Account history;
●          your password or unlock code has been compromised;
●          your Account mobile-activated phone has been lost, stolen or deactivated; or
●           you need more information about a transaction listed on the transaction history or transaction confirmation.



To be eligible for protection for unauthorised Transactions, you must notify us within twenty four (24) hours upon notice of such unauthorised Transactions, but no later than thirty (30) days after

any unauthorised Transaction first appears in your Account history. We will extend the time period with reasonable and demonstrable reason, such as a hospital stay, which kept you from

notifying us within the time limit. You should regularly log into your Account and review your Account history to ensure that there has not been an unauthorised Transaction or error. We may also

send an email to the primary email address you have provided in order to notify you of each transaction from your Account. You should also review these transaction confirmations to ensure that

each transaction was authorised and is accurate.


For unauthorised Transactions or Errors in your Account, notify us through the methods set out in Section 16.


When you notify us, provide us with all of the following information:
●          Your name, contact number and email address registered to your Account;
●          A description of any suspected unauthorised Transaction or error and an explanation as to why you believe it is incorrect or why you need more information to identify the                            Transaction; and
 ●         The amount of any suspected unauthorised Transaction or error.



If you notify us orally, we may require that you send us your complaint or question in writing within ten (10) Business Days. During the course of our investigation, we may request additional

information from you.


Once you notify us of any suspected unauthorised Transaction or error, or we otherwise learn of one, we will do the following:


●     We will conduct an investigation to determine whether there has been an unauthorised Transaction or error that is eligible for protection.

●     We will complete our investigation within ten (10) Business Days from the date we received your notification of the suspected unauthorised Transactions or error. If your Account is new (the

       first transaction from your Account was less than thirty (30) business days from the date you notify us), we may take up to twenty (20) business days to complete this investigation. If we 

      need more time, we may take up to forty five (45) days to complete our investigation (or up to ninety (90) days for new Accounts, or if your transaction was at a point of sale where you were

       physically present).

●     If we decide that we need more time to complete our investigation, we may, at our sole discretion, provisionally credit your Account for the amount of the suspected unauthorised Transaction

       or error.

●     We will inform you of our decision after completing our investigation.


If we determine that there was an unauthorised Transaction or error, we will promptly credit the full amount into your Account within one (1) business day of our determination. Or, if you have

already received a provisional credit, you will be allowed to retain those amounts. If we decide that there was not an unauthorised Transaction or error, we will include an explanation of our

decision in our email to you. If you received a provisional credit, we will remove it from your Account and notify you of the date and amount of the debit. You may request copies of the documents

that we used in our investigation. 


We will rectify any error that we discover. If the error results in your receipt of less than the correct amount to which you are entitled, we will credit your Account for the difference. If the error

results in your receipt of more than the correct amount to which you are entitled, you agree that we may debit the extra funds from your Account.


If you erroneously send a payment to the wrong party, or send a payment for the wrong amount (based on a typographical error, for example), your only recourse will be to contact the party to

whom you sent the payment and ask them to refund the payment. We will not reimburse you or reverse a payment that you have made in error.


1.10    Disclaimer

We are not a bank or other chartered depository institution, nor an issuer of any credit cards, debit cards, savings account or other prepaid payment service method (“Payment Instrument”),

unless expressly stated otherwise. For Transactions facilitated with ShopeePay, we handle the payment to 3P Merchants and the charging of your Payment Instrument to conduct your payment

for purchase.


THESE TERMS OF SERVICE DO NOT AMEND OR OTHERWISE MODIFY YOUR AGREEMENT WITH THE ISSUER OF YOUR PAYMENT INSTRUMENT, AND YOU ARE RESPONSIBLE FOR ENSURING

YOUR USE OF SOFTWARE COMPLIES WITH ALL SUCH AGREEMENTS. IN ADDITION, YOU ARE RESPONSIBLE FOR ALL CHARGES AND/OR DEBITS TO YOUR PAYMENT INSTRUMENT

RESULTING FROM ANY PURCHASES MADE FROM THE ACCOUNT IN ACCORDANCE WITH SUCH AGREEMENTS. IN THE EVENT OF ANY INCONSISTENCY BETWEEN THESE TERMS OF

SERVICE AND YOUR AGREEMENT WITH THE ISSUER OF YOUR PAYMENT INSTRUMENT, THESE TERMS OF SERVICE GOVERN THE RELATIONSHIP BETWEEN YOU AND US SOLELY WITH

RESPECT TO THE SOFTWARE. YOU ACKNOWLEDGE AND AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR YOUR PAYMENT INSTRUMENT AND WE ARE NOT RESPONSIBLE FOR THE

ACCURACY, OR AVAILABILITY OF ANY INFORMATION YOU ENTER OR OTHERWISE STORE IN THE SOFTWARE INCLUDING, WITHOUT LIMITATION, WHETHER SUCH INFORMATION IS CURRENT

AND UP-TO-DATE.


THE SERVICES ARE PROVIDED "AS IS" AND “AS AVAILABLE” AND WITHOUT ANY WARRANTIES, CLAIMS OR REPRESENTATIONS MADE BY US OF ANY KIND EITHER EXPRESS, IMPLIED OR

STATUTORY WITH RESPECT TO THE SERVICES INCLUDING WITHOUT LIMITATION WARRANTIES OF QUALITY, PERFORMANCE, NON INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A

PARTICULAR PURPOSE, NOR ARE THERE ANY WARRANTIES CREATED BY COURSE OF DEALING, COURSE OF PERFORMANCE OR TRADE USAGE. WITHOUT LIMITING THE FOREGOING, WE

DO NOT WARRANT THAT THE SERVICES, THIS PLATFORM OR THE FUNCTIONS CONTAINED THEREIN WILL BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY, SECURE, ACCURATE,

COMPLETE OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT THIS PLATFORM AND/OR THE SERVER THAT MAKES SAME AVAILABLE ARE FREE

OF VIRUSES, CLOCKS, TIMERS, COUNTERS, WORMS, SOFTWARE LOCKS, DROP DEAD DEVICES, TROJAN-HORSES, ROUTINGS, TRAP DOORS, TIME BOMBS OR ANY OTHER HARMFUL

CODES, INSTRUCTIONS, PROGRAMS OR COMPONENTS.


YOU ACKNOWLEDGE THAT THE ENTIRE RISK ARISING OUT OF THE USE OR PERFORMANCE OF THE PLATFORM AND/OR THE SERVICES REMAINS WITH YOU TO THE MAXIMUM EXTENT

PERMITTED BY LAW. IN PARTICULAR, YOU AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF THE SECURITY CODES PROVIDED TO YOU AND YOU

MAY NOT CLAIM AGAINST US FOR ANY LOSS OR DAMAGES RESULTING FROM YOUR FAILURE TO 

DO SO.


Any downloading of data from our system is done solely at your risk, and we do not warrant that such data or our system is free from any computer virus or other malicious, destructive o

corrupting code, agent, program or macros.


If you send funds to the wrong party or sent a wrong amount, we may choose to assist you out of goodwill in contacting the party that received the funds to ask for a refund. However, we will not

be liable to reimburse any payment or to reverse any Transaction that you have made as a result of your error or negligence.



1.11    Exclusions and limitation of liability
 


IN NO EVENT SHALL WE BE LIABLE WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING WITHOUT LIMITATION NEGLIGENCE (WHETHER ACTIVE, PASSIVE OR IMPUTED), PRODUCT

LIABILITY OR STRICT LIABILITY OR OTHER THEORY), OR OTHER CAUSE OF ACTION AT LAW, IN EQUITY, BY STATUTE OR OTHERWISE, FOR LOSS OF USE, PROFITS, REVENUES, GOODWILL

OR ANTICIPATED SAVINGS OR FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION ANY LOSS OF DATA, SERVICE INTERRUPTION,

COMPUTER, MOBILE PHONE OR MOBILE DEVICE FAILURE) ARISING OUT OF OR IN CONNECTION WITH THE USE OR INABILITY TO USE THIS PLATFORM OR THE SERVICES, INCLUDING,

WITHOUT LIMITATION, ANY DAMAGES RESULTING THEREFROM, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WE MAY ESTABLISH GENERAL PRACTICES

AND LIMITS CONCERNING USE OF THE SERVICES. WE RESERVE THE RIGHT TO CHANGE, SUSPEND, OR DISCONTINUE ANY ASPECT OF THE SERVICES AT ANY TIME WITHOUT NOTICE AND 

LIABILITY. WE MAY DECLINE TO PROCESS ANY TRANSACTION WITHOUT PRIOR NOTICE TO YOU, PARTICULARLY IF (A) TRANSACTION DOES NOT SATISFY THE TERMS AND CONDITIONS OF

THIS TERMS OF SERVICE OR OTHER  APPLICABLE TERMS, RULES AND POLICIES, OR (B) IF WE HAVE REASON TO BELIEVE THAT THE TRANSACTION MAY VIOLATE ANY LAWS, RULES OR

REGULATIONS THAT MAY OTHERWISE SUBJECT US OR OUR AFFILIATES TO LIABILITY. YOUR ONLY RIGHT WITH RESPECT TO ANY PROBLEMS OR DISSATISFACTION WITH THE SERVICES IS

TO TERMINATE YOUR ACCOUNT AND DISCONTINUE ANY USE OF THE SERVICES. NOTWITHSTANDING SECTIONS 10.1 AND 10.2, IF WE ARE FOUND BY A COURT OF COMPETENT 

JURISDICTION TO BE LIABLE (INCLUDING FOR GROSS NEGLIGENCE), OUR LIABILITY TO YOU OR TO ANY THIRD PARTY IS LIMITED TO THE LESSER OF RM300 (RINGGIT MALAYSIA THREE

HUNDRED). NOTHING IN THESE TERMS OF SERVICE SHALL LIMIT OR EXCLUDE ANY LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE, FOR FRAUD OR FOR ANY

OTHER LIABILITY THAT CANNOT BE LAWFULLY LIMITEDAND/OR EXCLUDED


1.12    Links to third party sites 

The links provided throughout the Platform will let you leave this Platform. These links are provided as a courtesy only, and the sites they link to are not under our control in any manner

whatsoever and you therefore access them at your own risk. Therefore, we are in no manner responsible for the contents of any such linked site or any link contained within a linked site,

including any changes or updates to such sites. The provision of these links are merely a convenience, and the inclusion of any link does not in any way imply or express affiliation, endorsement

or sponsorship by us of any linked site and/or any of our content therein.


1.13    Prohibited conduct

The license for use of this Platform and the Services is effective until terminated. This license will terminate as set forth within these Terms of Service or if you fail to comply with any term or

condition of these Terms of Service. In such event, no notice shall be required by us to effect such termination.


You agree not to:

a.          breach our Terms of Service, Privacy Policy, in-house rules and regulations, including regulations for promotional events, and/or violate any applicable laws and regulations;

b.        act in a manner that is unlawful, harmful, threatening, abusive, harassing, alarming, distressing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable to our employees, agents or other Users;

c.         use the Services to harm minors in any way;

d.         provide false, inaccurate or misleading information;

e.         use the Services for any illegal activities, including online gambling, regardless of whether online gambling is permitted in your jurisdiction in which you are located;

f.          use your Account in a manner that may result in disputes, claims or other liabilities to us, other Users, third parties, or may be regarded as an abuse of our system;

g.         use the Services to impersonate any person or entity, or otherwise misrepresent your affiliation with a person or entity;

h.         forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Services;

 i.         remove any proprietary notices from the Platform;

j.          cause, permit or authorise the modification, creation of derivative works, or translation  of the Services without our express permission;

k.         use the Services in any manner not permitted by the licenses granted herein;

l.          use the Services for fraudulent purposes;

m.        refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide us;

n.        attempt to decompile, reverse engineer, disassemble or hack the Services (or any portion thereof), or to defeat or overcome any encryption technology or security measures implemented by us with respect to the Services and/or data transmitted, processed or stored by us;

o.         harvest or collect any information about or regarding other Account holders, including without limitation any personal data or information;

p.        upload, post, email, transmit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);

q.          upload, post, email, transmit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;

r.         upload, post, email, transmit or otherwise make available any unsolicited or unauthorised advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other unauthorised form of solicitation;

s.      upload, post, email, transmit or otherwise make available any material that contains software viruses, worms, Trojan-horses or any other computer code, routines, files or programs designed to directly or indirectly interfere with,   manipulate, interrupt, destroy or limit the functionality or integrity of any computer software or hardware or data or telecommunications equipment;

t.        disrupt the normal flow of dialogue, cause a screen to "scroll" faster than other Users of the Services are able to type, or otherwise act in a manner that negatively affects other Users' ability to engage in real time exchanges;

u.       interfere with, manipulate or disrupt the Services or servers or networks connected to the Services or any other User's use and enjoyment of the Services, or disobey any requirements, procedures, policies or regulations of networks connected to the Platform;

v.        interfere with, manipulate or disrupt the Services or servers or networks connected to the Services or any other User's use and enjoyment of the Services, or disobey any requirements, procedures, policies or regulations of networks connected to the Platform;

w.         take any action or engage in any conduct that could directly or indirectly damage, disable, overburden, or impair the Services or the servers or networks connected to the Services;

x.       use the Services to intentionally or unintentionally violate any applicable local, state, national or international law, rule, code, directive, guideline, policy or regulation including without limitation laws and requirements (whether or not having  the force of law) relating to anti-money laundering or counter-terrorism financing;

y.        use the Services to provide material support or resources (or to conceal or disguise the nature, location, source, or ownership of material support or resources) to any organisation(s) designated by the United States government as a foreign terrorist organisation pursuant to section 219 of the Immigration and Nationality Act;

z.          use the Services to violate the privacy of others or to "stalk" or otherwise harass another;

aa.       use the Services to collect or store personal data about other Users in connection with the prohibited conduct and activities set forth above; 

bb.       in our opinion, abuse our services for any fraudulent activities or unjust person gains; and/or

cc.        use the Services for other illegal activities in your jurisdiction.



If we, in our sole discretion, believe that you may have engaged in the above restricted activities, we may take various actions, including but not limited to the following:
a.      We may suspend, or restrict your access to your Account;
b.      We may refuse to provide Services to you;
c.      We may place a hold on your Account for up to one hundred and eighty (180) days if reasonably required to protect against the risk of liability or if you have violated our Terms of                 Service, Privacy Policy and/or any applicable laws  and regulations in your jurisdiction;
d.      We may take legal action against you; and/or
e.      We may take any other appropriate measures or actions in the given circumstances.


You understand that all Content, whether publicly posted or privately transmitted, is the sole responsibility of the person from whom such Content originated. This means that you, and not us, is

entirely responsible for all Content that you upload, post, email, transmit or otherwise make available through the Platform. We do not control the Content posted on the Platform and, as such,

does not guarantee the accuracy, integrity or quality of such Content. You understand that by using the Platform, you may be exposed to Content that you may consider to be offensive, indecent

or objectionable. Under no circumstances will we be liable in any way for any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind

incurred as a result of the use of, or reliance on, any Content posted, emailed, transmitted or otherwise made available on the Platform.


You acknowledge that we may or may not pre-screen Content, but that we and our designees shall have the right (but not the obligation) in their sole discretion to pre-screen, refuse, delete or

move any Content that is available on the Platform. Without limiting the foregoing, we and our designees shall have the right to remove any Content that violates these Terms of Service, if we

receive a complaint from another User, if we receive a notice of intellectual property infringement or other legal instruction for removal, or if such Content is otherwise objectionable. We may also

block delivery of a communication (including without limitation status updates, postings, messages and/or chats) to or from the Services as part of our effort to protect the Services or our Users,

or otherwise enforce the provisions of this Terms of Service. You agree that you must evaluate, and bear all risks associated with, the use of any Content, including, without limitation, any

reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you may not rely on any Content created by us or submitted to us, including without

limitation information in all parts of the Platform. You acknowledge, consent and agree that we may access, preserve and disclose your Account information and Content if required to do so by

law or pursuant to an order of a court or by any governmental or regulatory authority having jurisdiction over us or in a good faith belief that such access preservation or disclosure is reasonably

necessary to: (a) comply with legal process; (b) enforce these Terms of Service; (c) respond to claims that any Content violates the rights of third parties; (d) respond to your requests for

customer service; or (e) protect the rights, property or personal safety of Company, our Users and/or the public.


1.14    Your contributions to the Services


By submitting Content for inclusion on the Services, you represent and warrant that you have all necessary permissions to grant the licenses below to us. You further acknowledge and agree that

you are solely responsible for anything you post or otherwise make available on or through the Services, including, without limitation, the accuracy, reliability, nature, rights clearance,

compliance with law and legal restrictions associated with any Content contribution. You hereby grant us and our successors an irrevocable, worldwide, non-exclusive, royalty-free, sub

licensable and transferable license to use, copy, distribute, republish, transmit, modify, adapt, create derivative works of, publicly display, and publicly perform such Content contribution on,

through or in connection with the Services in any media formats and through any media channels, including without limitation, for promoting and redistributing part of the Services (and our

derivative works). This license granted by you terminates once either party removes your contributed Content from the Services. You understand that your contribution may be transmitted over

various networks and changed to conform and adapt to technical requirement. Any material, information or idea you post on or through the Services, or otherwise transmit to us by any means

(each, a "Submission"), is not considered confidential by us and may be disseminated or used by us or our affiliates without compensation or liability to you for any purpose whatsoever,

including, but not limited to, developing, manufacturing and marketing products. By making a Submission to us, you acknowledge and agree that we and/or other third parties may independently

develop software, applications, interfaces, products and modifications and enhancements of the same which are identical or similar in function, code or other characteristics to the ideas set out

in your Submission. Accordingly, you hereby grant us and our successors an irrevocable, worldwide, non-exclusive, royalty free, sub-licensable and transferable license to develop the items

identified above, and to use, copy, distribute, republish, transmit, modify, adapt, create derivative works of, publicly display, and publicly perform any Submission on, through or in connection

with the Services in any media formats and through any media channels, including without limitation, for promoting and redistributing part of the Services (and our derivative works). This license

granted by you will continue for as long as we determine to use your Submission. This provision does not apply to personal information that is subject to our privacy policy except to the extent

that you make such personal information publicly available on or through the Services.


1.15    Third party contributions to the services and external links


Each contributor to the Services of data, text, images, sounds, video, software and other Content is solely responsible for the accuracy, reliability, nature, rights clearance, compliance with law

and legal restrictions associated with their Content contribution. As such, we are not responsible to, and shall not, regularly monitor or check for the accuracy, reliability, nature, rights clearance,

compliance with law and legal restrictions associated with any contribution of Content. You will not hold us responsible for any User's actions or inactions, including, without limitation, things

they post or otherwise make available via the Services. In addition, the Services may contain links to third party text, video feeds and podcasts (collectively, "Third Party Feeds"), products,

websites, services and offers, or links to download third party software applications. Additionally, third parties may make available, on their own websites, third party feeds, and software

applications. These third party links, third party feeds, products, websites, services and software applications are not owned or controlled by us. Rather, they are operated by, and are the property

of, the respective third parties, and may be protected by applicable copyright or other intellectual property laws and treaties. We have not reviewed, and assume no responsibility for the content,

functionality,security, services, privacy policies, or other practices of these third parties. You are encouraged to read the terms and other policies published by such third parties on their websites

or otherwise. By using the Services, you agree that we shall not be liable in any manner due to your use of, or inability to use, any third-party feed, website or widget. You further acknowledge

and agree that we may disable your use of, or remove, any third party links, third party feeds, or applications of the Services to the extent they violate these Terms of Services.


1.16    Contacting us


 If you have complaints, feedback or believe a User on our Platform is violating these Terms of Service, please contact us:


a.      using our feedback function located under settings on the Platform

b.      through help.support@shopee.com.my;               

c.      through our hotline 03 2777 9222.


 Please send all legal notices to legal.my@shopee.com and attention it to the “General Counsel”


1.17    Making claims of intellectual property rights infringement

 If you believe that your work (as included on the Services) has been copied, displayed, or distributed in a way that constitutes intellectual property rights (“IPR”) infringement, please notify our

copyright agent. A notification of claimed infringement must be a written communication as set forth below, and must include substantially all of the following: (a) a physical or electronic

signature of a person authorised to act on behalf of the owner of the IPR that is allegedly infringed; (b) a description of such IPR and an identification of what material in such IPR is claimed to be

infringed; (c) a description of the exact name of the infringing IPR and the location of the infringing IPR on the Services; (d) information sufficient to permit us to contact you, such as your

physical address, telephone number and e-mail address; (e) a statement by you that you have a good faith belief that the use of the material identified in the manner complained of is

not authorised by the IPR owner, our agent, or the law; (f) a statement by you that the information in the notification is accurate and, under penalty of perjury that you are authorised to act on the

IPR owner's behalf.


The IPR agent can be reached through the various methods available as stated in Section 16. The IPR agent will only respond to any claims involving alleged IPR infringement.


1.18    Your representations and warranties



 You represent and warrant that:
a.      you possess the legal capacity (and in the case of a minor, valid parent or legal guardian consent), right and ability to enter into these Terms of Service and to comply with our terms;
b.      you will use the Services for lawful purposes only and in accordance with these Terms of Service and all applicable laws, rules, codes, directives, guidelines, policies and regulations;
c.      you will only use the Services on a device on which such use is authorised by the device's owner;
d.      you will use the Services in good faith and in compliance with all applicable laws and regulations, including laws related to anti-money laundering and counter-financing of terrorism;
e.      you are solely responsible for maintaining the confidentiality of the password or security codes provided to you and you may not claim against us for any loss or damages resulting from unauthorized use of your password or your  failure to do so;
f.       all information given to the Account or in relation with the registration of the Account is correct, complete, accurate and up-to-date;
g.     you will be solely responsible for payment of any taxes, duties, or other governmental levies, charges or fees, that may be imposed on the Services.


1.19    Indemnity 


You agree to indemnify, defend and hold harmless the Company, and our shareholders, subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees (collectively, the

"Indemnified Parties"), at your expense, from and against any and all claims, actions, proceedings, and suits and all related liabilities, damages, settlements, penalties, fines, costs and expenses

(including, without limitation, reasonable legal fees and other dispute resolution expenses) incurred by any Indemnified Party arising out of or relating to (a) the hosting, operation, management

and/or administration of the Services by or on behalf of us, (b) your violation or breach of any term of these Terms of Service or any policy or guidelines referenced herein, or (c) your use or

misuse of the Services, or (e) your breach of any law or the rights of a third party.


1.20    Severability 

If any provision of these Terms of Service shall be deemed unlawful, void, or for any reason unenforceable under the law of any jurisdiction, then that provision shall be deemed severable from

these terms and conditions and shall not affect the validity and enforceability of any remaining provisions in such jurisdiction nor the validity and enforceability of the provision in question under

the law of any other jurisdiction.


1.21    Governing law 

These Terms of Service shall be governed by and construed under the laws of Malaysia.  Any dispute, controversy, claim or difference of any kind whatsoever arising between the Parties under

these Terms of Service shall be referred to and finally resolved by arbitration administered by the Asian International Arbitration Centre in Kuala Lumpur, Malaysia in accordance with the

Arbitration Rules of the Asian International Arbitration Centre (“AIAC Rules”) for the time being in force, which rules are deemed to be incorporated by reference in this clause. There will be one

(1) arbitrator and the language of the arbitration shall be English. Both Parties agree that Part III of the Arbitration Act 2005 shall not apply to this Agreement or the arbitration proceedings arising

out of this Agreement.


 1.22    General provisions


 We reserve all rights not expressly granted herein.


We may modify these Terms of Service at any time by posting the revised Terms of Service on this Platform. Your continued use of this Platform after such changes have been posted shall

constitute your acceptance of such revised Terms of Service. You may not assign, sublicense or transfer any rights granted to you hereunder or subcontract any of your obligations.

Nothing in these Terms of Service shall constitute a partnership, joint venture or principal-agent relationship between you, 3P Merchants and us, nor does it authorise you to incur any costs or

liabilities on our behalf. Our failure at any time or times to require performance of any provision hereof shall in no manner affect our right at a later time to enforce the same unless the same is

waived in writing.


These Terms of Service are solely for your and our benefit and are not for the benefit of any other person or entity, except for our affiliates and subsidiaries (and each of Company's and our

affiliates' and subsidiaries' respective successors and assigns).


The terms set forth in these Terms of Service and any agreements and policies included or referred to in these Terms of Service constitute the entire agreement and understanding of the parties

with respect to the Services and the Platform and supersede any previous agreement or understanding between the parties in relation to such subject matter. The parties also hereby exclude all

implied terms in fact. In entering into the agreement formed by these Terms of Service, the parties have not relied on any statement, representation, warranty, understanding, undertaking,

promise or assurance of any person other than as expressly set out in these Terms of Service. Each party irrevocably and unconditionally waives all claims, rights and remedies which but for this

Section 21.7 it might otherwise have had in relation to any of the foregoing. These Terms of Service may not be contradicted, explained or supplemented by evidence of any prior agreement, any

contemporaneous oral agreement or any consistent additional terms.


You agree to comply with all applicable laws, statutes, regulations and codes relating to anti-bribery and corruption including without limitation the Malaysian Anti-Corruption Commission Act,

UK Bribery Act, the US Foreign Corrupt Practices Act and the Singapore Prevention of Corruption Act and confirm that you have and shall have in place all policies and procedures needed to

ensure compliance with such requirements. If you have any questions or concerns about these Terms of Service or any issues raised in these Terms of Service or on the Platform, please contact

us through the various methods available as stated in Section 15.


Any translation of these Terms of Service and any other policies referenced herein are provided for your convenience. The meanings of terms, conditions and representations herein are subject

to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English language


 I HAVE READ THIS AGREEMENT AND AGREE TO ALL OF THE PROVISIONS CONTAINED ABOVE AND ANY REVISION THE SAME HEREAFTER. BY CLICKING THE “REGISTER NOW” BUTTON

OR ANY SIMILAR ACTION BELOW, I UNDERSTAND THAT I AM CREATING A DIGITAL SIGNATURE, WHICH I INTEND TO HAVE THE SAME FORCE AND EFFECT AS IF I HAD SIGNED MY NAME

MANUALLY



Last updated: 17 June 2020




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