Terms & Conditions

TERMS OF ASIATOP LOYALTY POINTS PROGRAMME (ATPP)

– Merchant hereby acknowledges and understands that the AsiaTop Loyalty® Points Programme is a “point-based” loyalty program (“ATPP”) whereby members earn points for purchases of goods and/or services from the Merchant through the registration of an Account with AsiaTop Loyalty®, and such members can use accumulated AsiaTop Loyalty® Points to redeem products, services, rebates and entitlements as may be offered by AsiaTop Loyalty®’s ATPP participating Merchants or for cash redemption from AsiaTop Loyalty® (collectively, “Rewards”).

– Merchant hereby acknowledges that the whole of the ATPP and the AsiaTop Wallet system supporting the same are developed and owned by AsiaTop Loyalty®, to provide Merchants with, among other things, access to AsiaTop Loyalty®’s which can be used on AsiaTop Loyalty®’s mobile applications, website(s), platform(s), social networks and services (including but not limited to App Outlet, Google Play, Facebook, Google+), to facilitate the creation and maintenance of Cards membership loyalty points in respect of purchases made at the Merchant’s Outlet for goods and/or services.

Redemption Of AsiaTop Loyalty® Points
– AsiaTop Loyalty® Points shall be available after a holding period of fourteen (14) calendar days has elapsed from the time they were first credited on a Transaction (“Holding Period”). The Holding Period may be adjusted at the sole discretion of AsiaTop Loyalty® from time to time.

– AsiaTop Loyalty® Points may only be redeemed by the Cardholder / Account User / Account Holder at Merchant’s Outlet or any other participating Merchants’ Outlet(s) provided such Transactions are made using AsiaTop Loyalty® Cards and on such other conditions as may be stipulated by AsiaTop Loyalty®.

– Participating Merchants’ Outlets may be added or deleted in the future at the sole discretion of AsiaTop Loyalty®.

– Upon successful registration and activation of the Account, AsiaTop Loyalty® Points may be credited into the Account for Transactions made and be available for redemption by the Cardholder / Account Holder / Account User.

Strict Confidentiality – AsiaTop Loyalty® Points Calculation
– The number of AsiaTop Loyalty® Points to be credited to the Cardholder / Account Holder / Account User shall be based on the agreement between AsiaTop Loyalty® and Merchant as set out in the Pricing Guide under Schedule 2 annexed hereto. The Merchant shall at all times, maintain strict confidentiality regarding the calculation methods of AsiaTop Loyalty® Points set out in the Pricing Guide, Schedule 2 and acknowledges that the Cardholder / Account Holder / Account User is not entitled to request from AsiaTop Loyalty® any explanation pertaining to the calculation methods of AsiaTop Loyalty® Points and shall not have any claims against AsiaTop Loyalty® in this regard or in relation to discounts applied or top-ups for rewards based on AsiaTop Loyalty® Points credited to the Cardholder / Account Holder / Account User.

Adjustments to AsiaTop Loyalty® Points
– AsiaTop Loyalty® may, at its absolute discretion, suspend or rectify the AsiaTop Loyalty® Points to be credited to the Cardholder and any rectification of any error in any calculations based on the prevailing method of calculation as agreed between Merchant and AsiaTop Loyalty®. The findings of AsiaTop Loyalty® shall be final and conclusive of the AsiaTop Loyalty® Points to be credited to the Cardholder. For the avoidance of doubt, AsiaTop Loyalty® shall not be liable to the Cardholder for any discrepancies in the aggregation and/or accumulation of Loyalty® Points under any circumstances whatsoever.

Disqualification of AsiaTop Loyalty® Card
– AsiaTop Loyalty® reserves the right in its sole discretion to disqualify any Cardholder it finds to be tampering with the operation of ATPP or to be acting in violation of Terms and Conditions as set out in AsiaTop Loyalty®’s Website or in this Agreement or in a fraudulent or deceptive manner. Any attempt by any Cardholder to undermine the legitimate operation of ATPP may be a violation of criminal and civil law, and, should such an attempt be made, AsiaTop Loyalty® reserves the right to seek damages from any such person to the fullest extent permitted by law. Failure by AsiaTop Loyalty® to enforce any of these Terms & Conditions shall not constitute a waiver of that provision. AsiaTop Loyalty® makes no guarantees, warranties, or representations of any kind concerning ATPP.

– At all times, you are not an agent or representative of AsiaTop Loyalty®. You shall release and indemnify AsiaTop Loyalty® and its affiliates and partners from all liability regarding the crediting, redemption and use of the AsiaTop Loyalty® Points, including any Rewards that, after receipt, may be lost, stolen, destroyed or no longer available or provided by you for whatever reason. AsiaTop Loyalty® is in no way affiliated with or responsible for your acts or acts of omission and/or negligence in offering such rewards under the administration of ATPP.

– At all times, AsiaTop Loyalty® may suspend or terminate the use of the Cardholder’s / Account Holder’s / Account User’s AsiaTop Loyalty® Card with immediate effect upon the discovery or notice of any fraud, dishonesty or misconduct (criminal or otherwise) relating to the Transactions perpetrated by the Merchant, its servant, agent, employee or contractor or the fraud, dishonesty or misconduct (criminal or otherwise) perpetrated by a third party (including the Cardholder / Account Holder / Account User) as a result of the negligence or default of Merchant, its servant, agent, employee or contractor;

AsiaTop Loyalty® Vouchers / E-Vouchers
– AsiaTop Loyalty® may issue Vouchers or e-Voucher(s) which may be electronically stored in the AsiaTop Loyalty® Card and is only valid for participating Outlets for redemption where Transactions may be made by Mastercard credit card payment in Singapore currency. For the avoidance of doubt, AsiaTop Loyalty® Voucher / e-Voucher(s) are not legal tender.

– The conditions attached to AsiaTop Loyalty® Voucher / e-Voucher(s) including the stated/printed expiry date cannot be altered, reversed or cancelled upon issuance of the same and may not be used in conjunction with other vouchers or promotions.

-Under no circumstances shall a Cardholder / Account Holder / Account User be entitled to request for any extension of the validity period of an AsiaTop Loyalty® Voucher / e-Voucher(s) once the stipulated validity period has expired.

– AsiaTop Loyalty® Voucher / e-Voucher(s) may not be refundable or exchanged for cash and cannot be replaced if lost, damaged or expired under any circumstances. Any unused balance will not be refunded.

– AsiaTop Loyalty® reserves the right to vary/amend the privileges or terms & conditions of AsiaTop Loyalty® Voucher / e-Voucher(s) without prior notice.

– In the event that the value of the AsiaTop Loyalty® Voucher / e-Voucher(s) used in a single transaction does not cover the full cost of the goods or services purchased at the participating merchant, the balance must be paid by the person holding and presenting the AsiaTop Loyalty® Voucher / e-Voucher(s) at the time of making the Transaction.

Part 1: Introduction
1. Introduction
1.1 These terms and conditions (including all agreements and policies referenced in these terms and conditions or otherwise applicable to the use of specific features of the ASIATOP by MatchMove Mobile Wallet (“Wallet”) and related services which are required to be agreed to and accepted before the use of such specific features)
set out in the general terms and conditions will apply to the wallet and related services that we may agree to
provide to you from time to time.
1.2 By completing the signup process, You are deemed to have expressly read, understood and accepted each
and every term when you use the website, wallet and related services. You agree to be bound by these terms
and conditions and other specific rules and procedures as determined or as may be amended at our sole
discretion.
1.3 In this agreement, “We”, “Us” or “Our” refers to MatchMove, or AsiaTop Loyalty Pte Ltd acting on behalf of
MatchMove, as the case may be. “You” or “Your” refers to the Account User using the Wallet.
2. Definitions
Definitions, description and interpretation. Headings and subheadings are inserted for convenience only and do not
affect the interpretation of these terms and conditions. In these terms and conditions, unless the context otherwise
requires, the following definitions shall apply:
“ Access Code” means a password, code or any other arrangement that the Account User must keep secret,
that may be required to authenticate any payment transaction or Account User, and may include any of the
following:
(a) personal identification number, password or code;
(b) internet banking authentication code;
(c) telephone banking authentication code;
(d) code generated by an Authentication Device;
(e) code sent by the MatchMove by phone text message such as SMS,
but does not include a number printed on a Wallet (e.g. a security number printed on a credit card or debit
card).
“ Account Holder” means any person in whose name a Wallet has been opened or to whom a Wallet has been
issued, and includes a joint Account Holder and a supplementary credit card holder;
“ Account User” means—
(a) any Account Holder; or
(b) any person who is authorised in a manner in accordance with these terms and conditions, by MatchMove
and any Account Holder of a Protected Account, to initiate, execute or both initiate and execute payment
transactions using the Protected Account;
“Authentication Device” means any device that is issued by the responsible FI to the Account User for the
purposes of authenticating any payment transaction initiated from a Wallet, including a device that is used to
generate, receive or input any access code;
“Country” means the country or territory where you are residing and the wallet is opened.
“Electronic instruction” means any instruction, notice, instruction or other communication which may, from
time to time be given through website, telephone, email, or SMS by you. We, however, reserve the right to
require the instruction of supporting document/s, before we may decide to act or not on the instruction, if we
have reasonable grounds therefore.
“Fees and charges” refers to the fees and charges that applies to the wallet account and listed in our website
at WWW.ASIATOP.COM.SG (“Website”)
“MatchMove” refers to MatchMove Pay Pte Ltd, the issuer of Wallet or Responsible FI, together with its
employees, directors, affiliates, successors, and assigns. MatchMove Pay Pte Ltd (CRN: 200902936w) is a
company duly established and operating under the laws of Singapore, has its registered office at 137 Telok Ayer
Street, #0303, Singapore 068602.
“Merchant” refers to any merchants, vendors, persons, corporations or entity honoured to provide goods,
products and services to you through wallet. You acknowledge that your purchases of those goods, products
and services are transactions between you and merchants and not with us or other of our affiliates unless
expressly designated as such in the listing of the products or services on our website/electronic catalogue. You
agree and confirm that we make no representations or warranties in respect of the products, goods and services
offered by merchant, including, without limitation, the quality, accuracy, adequacy, timeliness, fitness for any
purpose or completeness of any of the products, goods or services. You are advised to refer carefully to
merchant’s terms and conditions, refund and return policy before making any purchase.
“Protected Account” means any Wallet that—
(a) is held in the name of one or more persons, all of whom are either individuals or sole proprietors;
(b) is capable of having a balance of more than S$500 (or equivalent amount expressed in any other currency)
at any one time, or is a credit facility; and(c) is capable of being used for electronic payment transactions;
“Wallet” refers to the payment account and/or the physical card which is provided to you upon signup at
Website and completion of KYC process with us. The payment account is regarded as a stored value facility
under country laws, and different types of payment products and services may be available to you from time to
time.
“Website” refers to our website, the address of which is website and mobile applications or portals that you can
access from mobile devices. All website addresses and URL for your reference in this terms and conditions are
subject to be changed from time to time at our sole discretion.
“Unauthorized Transaction” in relation to any Protected Account, means any payment transaction initiated by
any person without the actual or imputed knowledge and implied or express consent of an Account User of the
Protected Account.

3. Use of the wallet and related services.
3.1 Use of wallet and related services is subject to the terms and conditions provided herein as may be amended
from time to time. You signify agreement with these terms and conditions and assume liability for any and all
charges and fees incurred on wallet and related services, whether authorized or unauthorised. Wallet is not a
credit card; hence usage shall be dependent on the funded balance linked to the wallet.
3.2 When you use the wallet and related services, you are authorizing us to act as your agent only with respect to
holding, sending, or receiving available balance.
A. We may without prior reference to you, combine or consolidate any number of your accounts in your
country or overseas (whether held alone or jointly, or under any style, name or form including trade names
of sole proprietorships) and offset credit balances (whether matured or not) in these accounts against any
liability.
B. You agree that where such combination, consolidation and setoff require any conversion from one currency
into another, we have the right to convert one currency into another in any manner we may determine and
at our prevailing rate of exchange. You must indemnify us for any shortfall and be responsible for any
losses and risks arising from the conversion.
3.3 Prohibitions
A. You agree not to use wallet for purchase of items or goods for which their importation into your residence
country is disallowed under applicable laws.
B. You confirm that you shall not use wallet and related services to conduct transactions in connection with
any prohibited activities under applicable laws.
C. We may limit the number of your purchases that may be approved in one day. If we detect any unusual or
suspicious activity on the use of your wallet, we may require you to contact us or temporarily suspend your
privileges until we can verify the activity.
4. Validity, replacement and refund.
4.1 Unless terminated or cancelled earlier, wallet shall be valid for a period of time defined by us. Renewal or
replacement of the wallet will be at our sole discretion. Your wallet shall be valid for the period (“Validity
Period”) stated on the wallet and shall expire on the first day of the following month. You agree and
understand that the Validity Period may not be extended.
4.2 Inactive wallet: where no access or payment transactions are made on wallet for a continuous period of time
exceeding that of which is mentioned in the fees and charges page on our website, and there is valid balance
in wallet, we may notify you by any notice methods mentioned herein and give you the option of maintaining
your wallet operational. If you do not respond to the notice within the given time noticed by us, from time to
time, a dormancy fee can be charged and deducted from the remaining stored value on wallet and thereafter
for every month for which the wallet remains inactive.
4.3 If there is any unused balance in an inactive wallet when it expires, you shall no longer be entitled to use that
unused balance and we may terminate this wallet and forfeit the unused balance in accordance with
applicable laws, and if permitted, to us.
4.4 We shall not be obligated to process any refund of the available balance on the wallet before the expiry date
of the card. We shall only be obligated to refund you the remaining balance of your wallet, if any, under the
following conditions:
A. A refund processing fee shall apply for each refund, and shall be deducted from the remaining balance
stored on wallet. We shall only be obligated to process a refund if the remaining balance exceeds the
refund processing fee. If there is insufficient balance to cover the refund processing fee, we shall notify you
in writing of the unsuccessful refund; and
B. Any refund shall be transferred to your registered bank account or any bank account notified to us by you.
Upon any unsuccessful transfer, we shall be entitled to charge an additional transfer fee.5. Compromise of Wallet.
5.1 The security and proper care of your wallet, as well as the confidentiality of your security code shall be your
sole responsibility. You accept that you must not give the Wallet account details to others or allow them to use
it for charges, identification or any other purpose. If you do so, you will be liable for all charges made with the
wallet as a result.
5.2 You shall be relieved from any financial exposure resulting from fraudulent or unauthorized use of the wallet
and related services from the time the report of compromise of your wallet account is received by us from the
concerned person. Prior to the receipt of such a report, you expressly agree to be held liable to us for any and
all transactions, purchases, and charges made or incurred from the use of the compromised wallet. Should
you fail to immediately report to us the compromise of your wallet account upon discovery, we or our affiliated
merchants shall be rendered free and harmless from any and all liabilities arising out of the wallet account’s
compromise.
5.3 You will be required to provide your name, address, wallet number, identification document and other details
for identification purposes. You agree to provide us all information and assistance reasonably requested in
order to make a timely and complete investigation of the compromise, and we reserve the right to investigate
the compromise. If your wallet is lost or stolen, we may issue you a replacement wallet account with a value
equal to the available balance on your wallet at the time you notified us of the compromise, at our sole
discretion.
6. Reload and transaction.
6.1 We permit a one time top-up of up to an amount of money as set forth in fees and charges table while your
wallet registration is being processed.
6.2 Your wallet is a reloadable account where you have completed all registration requirements as may be
determined by us, meaning Know Your Customer (KYC) validated.
6.3 Where wallet has been designated as a reloadable account, the maximum remaining balance on the wallet
shall be up to a specific amount as set forth at our own discretion. You can spend up to a limited amount per
day and per month as defined in the fees and charges table on website. Each time you use your wallet, the
amount of the transaction will be debited from your wallet’s available balance. You agree not to make a
purchase or other transaction in excess of your wallet’s available balance. We have the right to reject all of
your requests to make any purchase or any other transaction or if a fee deducted from your available balance
exceeds the available balance on your wallet.
6.4 Transactions are indicated as pending, completed, failed or cancelled.
A. “pending” indicates that a transaction is currently undergoing review by us and may not be completed or
settled, at our sole discretion. “pending” may also indicate that the transaction is awaiting account
confirmation or settlement from a third party.
B. “completed” indicates that a transaction has cleared and the funds are available. If we determine that the
transaction is related to a restricted or prohibited business or activity or that the transaction is the result of
fraudulent activity, we may reverse or refund the transaction at any time. This refund shall be deposited
into your wallet account.
C. “cancelled” indicates that a transaction has been stopped or reversed. This could be due to inaccurate or
incomplete information about your wallet account, our inability to validate the legitimacy of a payment, or
merchant, or another proprietary reason. You may contact us for more information. Although payments are
cancelled, the removal of an authorization on a return of funds to a member’s wallet account may not be
immediate, and we cannot guarantee availability within a specific timeframe.
D. “failed” indicates that a transaction could not be processed due to inaccurate wallet account information,
insufficient funds, or another transaction related reason.
7. Transfer Credit Service
7.1 For Senders
These terms and conditions (“Terms”) apply to and regulate your use of wallet’s transfer credit service
(“Transfer Credit Service”). The Transfer Credit Service allows you to request (“Transaction Request”),
using the transfer credit function in your wallet account (“Account”), that we carry out a transaction (“Transfer
Credit Transaction”) to transfer an amount specified by you (“Transfer Amount”) from your wallet account to
your designated recipient (“Recipient”).
A. To use the transfer credit service, you will need to:
(i) have a valid and active wallet account; and
(ii) have verified your identity (“KYC”) by us
B. If you wish to carry out a transfer credit transaction, you must submit a transaction request to initiate such
transfer credit transaction. When submitting a transaction request, you shall provide such information as
may be requested by us (including the recipient’s contact details); and
C. You are responsible for ensuring, and you warrant, the truthfulness, accuracy and completeness of all
information provided in respect of such transaction request, including but not limited to the recipient’s
contact details.D. Once a transaction request has been credited into the recipient’s account, you will not be able to withdraw,
cancel or make any changes to such transaction request.
E. We shall be entitled, at our absolute discretion, to reject or refuse to accept or process or to cancel any
transaction request or transfer credit transaction and shall not be required to give any reason for the same.
F. Following the acceptance by us of a transaction request, the recipient will, depending on the contact details
provided by you, be notified by email, or through SMS, that you have transferred the credit to the
recipient’s account.
G. The transfer amount that has been transferred by you (whether pursuant to a single or multiple transaction
requests) is subject to a daily limit of SGD 2,000 (Two Thousand Singapore Dollars) per transaction, and/
or a monthly limit of SGD 8,000 (Eight Thousand Singapore Dollars) worth of total transactions. This limit is
reset at midnight (country time) daily. We may, in our absolute discretion, alter any limit or impose
additional limits on the transfer amount(s) that may be transferred by you, whether on a per transaction
basis or an aggregated basis, without prior notice to you.
H. You acknowledge and agree that you are responsible for providing the correct recipient’s contact details to
enable the transfer credit transaction into the recipient’s account and ensuring that the recipient safekeeps
and maintains the confidentiality of his own account.
I. You hereby instruct and authorise us to debit your account and transfer or procure the transfer of the transfer
amount to the recipient’s account.
J. The recipient must have a valid wallet account. The recipient must request an OTP to enable the transfer
credit transaction to be credited into his account, must comply with such instructions as may be prescribed
by us and have the KYC process done in order for the transfer amount to be credited into his/her account.
K. If the transfer credit transaction is unsuccessful but the transfer amount has been debited from your
account, we shall arrange for the transfer amount to be credited back to your account.
L. You acknowledge and agree that, for the purposes of the transfer credit service, the account will be
accessing and using the information in your wallet account, and you hereby consent to the wallet
accessing and using such information for the provision of the transfer credit service and authorise us to
contact your designated recipients using such information (including through private emails via your wallet
account) on your behalf.
M. We reserve the right to impose charges or to revise at any time such charges for the use of the transfer
credit service and/or the account upon written notice to you. Such charges or revisions shall take effect
from the date stated in the notice. Where you continue to use the account or submit any transaction
request after such notification, you shall be deemed to have agreed to and accepted such charges or
revisions to such charges.
N. We expressly exclude any guarantee, representation, warranty, condition, term or undertaking of any kind,
whether express or implied, statutory or otherwise, relating to or arising from the use of, the transfer credit
service or in relation to the processing of or any other matter relating to any transaction request or transfer
credit transaction. Without prejudice to the foregoing, the acceptance by us of your submission of a
transaction request does not amount to a representation or warranty by us that it will, and does not impose
any obligation on us to, process the transfer credit transaction or transfer the transfer amount to the
recipient and we do not represent or warrant that:
(i) the transfer amount has been successfully transferred to the recipient’s account; or
(ii) the transfer amount has not been credited, or has failed to be credited to the recipient’s account within
7 days from the date of the transaction request.
(iii) the transfer credit service will meet your requirements;
(iv) the transfer credit service will always be available, accessible, function or interoperate with any
network infrastructure, system or such other services as wallet may offer from time to time; or
(v) your use of the transfer credit service or wallet’s processing of any transaction request or transfer credit
transaction will be uninterrupted, timely, secure or free of any virus or error.
O. You acknowledge and agree that, to the extent permitted under applicable law, we shall not be liable to you
for any and all losses, liabilities, costs, expenses, damages, claims, actions or proceedings of any kind
whatsoever (whether direct, indirect or consequential) in respect of any matter of whatever nature and
howsoever arising (whether in contract, tort, negligence or otherwise) in connection with:
(i) the provision by us of or your use of the transfer credit service and/or the account;
(ii) the processing of any transaction request or transfer credit transaction;
(iii) any transfer credit transaction being unsuccessful or considered as unsuccessful or any transfer
amount not having been transferred to the recipient’s wallet account or transferred to a recipient other than
the intended recipient, whether or not arising from: your negligence, misconduct or breach of any of these
terms and conditions (including as a result of inaccurate information being provided by you);
(iv) any failure, refusal, delay or error by any third party or third party system through whom or which any
transfer credit transaction is made;
(v) any unauthorised access of the account;
(vi) the use in any manner and/or for any purpose whatsoever by any person at any time whatsoever and
from time to time of any information or data: (a) relating to you and/or any recipient; (b) transmitted throughyour use of the transfer credit service and/or the account; and/or (c) obtained through your use of the
transfer credit service and/or the account;
(vii) any event the occurrence of which we are not able to control or avoid by the use of reasonable
diligence; and/or
(viii) the suspension, termination or discontinuance of the transfer credit service.
P. To the extent that any of the limitations set out above are not permitted by law, our liability to you arising
from or in respect of each transfer credit transaction, whether in contract, tort (including negligence or
breach of statutory duty) or otherwise for any and all losses, damages or liabilities caused or arising from
or in relation to our provision of the transfer credit service and/or the account and/or under or relating to
these terms shall not exceed the value of such transfer credit transaction.
Q. You represent and warrant that, in relation to each transfer credit transaction, you have obtained the
necessary consent of the relevant recipient to disclose such recipient’s personal data (including contact
details) to us and for us to use and disclose such recipient’s personal data (including contact details to
contact the recipient in the manner set out in paragraph 6) as required for the purposes of the transfer
credit service.
R. We shall be entitled to exercise any of its rights and remedies under this terms and conditions governing
online transaction services (including the right to withdraw, restrict, suspend, vary or modify wallet transfer
credit service (whether in whole or in part)).
7.2 For Recipients
These terms and conditions (“Terms”) apply to and regulate your use of virtual our transfer credit service
(“Transfer Credit Service”) to receive a specified amount of funds (“Transfer Amount”) from a customer
(“Sender”) of MatchMove who has requested wallet to transfer the transfer amount to you (such request to
transfer, your request to receive and the transfer to you of the transfer amount, the “Transfer Credit
Transaction”). You are required to accept and agree to these terms and conditions before you will be able to
receive the transfer amount which is the subject of the transfer credit transaction.
A. You may only receive the transfer amount by submitting a request using:
(i) the unique URL which may be accessed via the email or SMS provided to you informing you of the transfer
credit transaction; or
(ii) such other manner as may be prescribed by us in the email or SMS provided to you informing you of the
transfer credit transaction, and by complying with such instructions as may be set out therein.
B. In order to receive the transfer amount, you must:
(i) have a wallet account; and
(ii) have passed the KYC process by us.
C. You are responsible for ensuring, and you warrant, the truthfulness, accuracy and completeness of all
information provided in your request to receive the transfer amount and/or when using the transfer credit
service, including but not limited to the details of your designated wallet account. In addition, you represent
and warrant that you are the intended recipient of the transfer amount and that you are the legal and
beneficial holder of the designated wallet account to which the transfer amount is to be credited.
D. We shall be entitled, at its absolute discretion, to reject or refuse to process any request to receive the
transfer amount and shall not be required to give any reason for the same.
E. Following verification of OTP, we shall endeavor to credit the transfer amount to your wallet account.
F. If the transfer credit transaction cannot be or is not completed for any reason, we shall not be liable to you in
respect of the incomplete transfer credit transaction, including without limitation, your nonreceipt of the
transfer amount.
G. We expressly exclude any guarantee, representation, warranty, condition, term or undertaking of any kind,
whether express or implied, statutory or otherwise, relating to or arising from the use of the transfer credit
service or in relation to the processing of or any other matter relating to a request to receive the transfer
amount. Without prejudice to the foregoing, your possession or provision of the security code does not
amount to a representation or warranty by us that it will, and does not impose any obligation on us to,
credit the transfer amount to your wallet account and we do not represent or warrant that:
(i) the one time password (“OTP”) sent to your mobile is invalid or has ceased to be valid; or
(ii) any information provided by you is invalid or incorrect;
(iii) the transfer credit service will meet your requirements;
(iv) the transfer credit service will always be available, accessible, function or interoperate with any network
infrastructure, system or such other services as we may offer from time to time; or
(v) your use of the transfer credit service or our processing of a request to receive the transfer amount will be
uninterrupted, timely, secure or free of any error, including without limitation that you will receive the transfer
amount or that you will receive the transfer amount in a timely manner.
H. You acknowledge and agree that, to the extent permitted under applicable law, we shall not be liable to you
for any and all losses, liabilities, costs, expenses, damages, claims, 10 actions or proceedings of any kind
whatsoever (whether direct, indirect or consequential) in respect of any matter of whatever nature and
howsoever arising (whether in contract, tort, negligence or otherwise) in connection with:
(i) the provision by us of or your use of the transfer credit service;
(ii) the processing of a request to receive the transfer amount;(iii) any transfer credit transaction being considered as incomplete or any transfer amount failing to be credited
to your designated wallet account or transferred to a recipient other than you, whether or not arising from:
(a) your negligence, misconduct or breach of any of these terms (including as a result of inaccurate
information being provided by you); or (b) any failure, refusal, delay or error by any third party or third party
system through whom or which the transfer credit transaction is made;
(iv) the use in any manner and/or for any purpose whatsoever by any person at any time whatsoever and from
time to time of any information or data relating to you, provided by you in the course of using the transfer
credit service; and/or obtained through your use of the transfer credit service;
(v) any event the occurrence of which wallet is not able to control or avoid by the use of reasonable diligence;
and/or
(vi) the suspension, termination or discontinuance of the transfer credit service.
I. We shall not be liable and you agree to indemnify use and keep us and our payment services indemnified
against any consequences, claims, proceedings, losses, damages or expenses (including all legal costs on
an indemnity basis) whatsoever and howsoever caused that may arise or be incurred by us in providing
the transfer credit service, whether or not arising from or in connection with and including but not limited to
the following:
(i) any improper or unauthorised use of the transfer credit service by you;
(ii) any act or omission by any relevant mobile or internet service provider;
(iii) any delay or failure in any transmission, dispatch or communication facilities;
(iv) any access (or inability or delay in accessing) and/or use of the transfer credit service; or
(v) any breach by you of any warranty under or provision of these terms.
7.3 to the extent that any of the limitations set out above are not permitted by law, our liability to you arising from
or in respect of the transfer credit transaction, whether in contract, tort (including negligence or breach of
statutory duty) or otherwise for any and all losses, damages or liabilities caused or arising from or in relation to
the transfer credit service and/or under or relating to these terms shall not exceed the value of the transfer
credit transaction.
8. Transaction history.
You may access the wallet app or website to view the transaction history. You acknowledge and agree that we
are not under any obligation whatsoever to issue a monthly statement to you detailing the transactions
conducted by you through the wallet system.
9. Disputes and erroneous transactions.
9.1 The details in the SMS/email confirmation message after every transaction and/or the entries in the
transaction history are presumed true and correct unless you notify us in writing of any disputes thereon
within twenty four (24) hours from the time of transaction. If no dispute is reported within the mentioned
period, all transactions and the entries in the transaction history are considered conclusively true and
correct.
9.2 Disputed transactions shall only be credited back to your wallet once the claim/dispute has been properly
processed, investigated, and there has been a clear finding that you are entitled to the credit.
Part 3: General
10. Applications and activation. To help the government fight terrorism and money laundering, the applicable laws
require us to obtain, verify and record information that identifies each person who signs up for an account with us to
use wallet and relating services. What this means for you: when you sign up for an account, we will ask for your
name, address, date of birth, an identification number and other identification documents that local applicable laws
require us to obtain. We appreciate your understanding and cooperation.
10.1 Only qualified members can use wallet and related services by registering online at website;
10.2 You represent and warrant to us that you:
A. Are at least eighteen (18) years of age;
B. Are eligible to register and use wallet and related services and have the right, power, and ability to enter
into and perform under these terms and conditions;
C. Provide us with true, accurate, current and complete evidence of your identity, and promptly update your
personal information if and when it changes. Upon application, you must fill into the account opening form
all requested details that establish your identity. As such, necessary documents, hard or soft copies must
be provided to us to facilitate the account opening procedure. If you are a business entity, an authorized
personnel to trade user must establish an enterprise account on your behalf.
D. Update your personal information, including current email address; and e. Will not impersonate any other
person, operate under an alias or otherwise conceal your identity. We will use the information provided by
you, as well as the information that we receive from the use of the wallet and related services, to facilitate
your participation in the services and for other purposes consistent with our privacy policy.10.3 It is paramount that all funds deposited by you from time to time, are of legal origin, are not the proceeds
of crime, including but not limited to, proceeds of drugs trafficking or dealings in other prohibited
substances or proceeds of illegal arms trades, illegal gambling, prostitution, terror funds etc.
10.4 We may, from time to time, at its sole discretion, require you to provide proof of identity (such as
notarized copy of passport or other means of identity verification as we deem required under the
circumstances) and may at its sole discretion suspend an account until such proof has been provided to its
satisfaction.
10.5 Necessary documentation to authenticate authorized personnel will be required from time to time and we
reserved the right to seek further clarification and of such clarification cannot be obtained for any reason or
whatsoever, we are entitled not to act on conflicting and incomplete instructions.
10.6 Transaction limits. We may, from time to time, impose transaction limits (such as minimum transaction
amounts) in connection with the wallet or vary the frequency or manner of use of the services.
11. Fees.
11.1 To be entitled to wallet privileges and benefits, including related services, you shall pay the fees we may
require. We reserve the right to and may at its sole discretion, charge and revise from time to time the
privileges and benefits under wallet, including related fees. We shall, in most cases, give reasonable notice
to you of the rates and other relevant information on any fees before they become effective provided that
the variation is within our control. We reserve the right to amend charges of fees/commission in lieu. The
continued use of the wallet and related services shall be taken as acceptance by you of the terms,
benefits, and fees.
11.2 Fees for services: in consideration of our agreement to provide the services, you shall pay to us the fees
set out in (i) the estimate provided by us to you if and when you submit a request to us for such estimate;
and (ii) the applicable notification by email/SMS from us and/or the website (all fees set out therein to be
collectively referred to as the “Fees”).
11.3 All paid annual fees are nonrefundable even if the privileges are suspended or terminated, or even if you
cancel your account with us before its expiry date.
11.4 If a transaction is made in a foreign currency (not the national currency of the place where the wallet is
issued), we shall convert the transaction amount into the local currency according to our usual practice.
Unless a particular rate is required by applicable law, you authorize us to choose a conversion rate that is
acceptable to us for that date.
11.5 Currently, the conversion rate we use for a transaction in a foreign currency is no greater than (a) the
highest official conversion rate published by a government agency, or (b) the highest interbank conversion
rate identified by us from customary banking sources on the conversion date or the prior business day.
This conversion rate may differ from rates in effect on the day of your transactions.
11.6 Mode of payment: all payments made hereunder shall be made in accordance with our instructions
including instructions regarding the mode of payment and the currency of payment, and shall be made net
of all bank charges (including any charges which may be levied by the receiving bank), which shall be
borne by you. Unless otherwise stipulated by us, all payments hereunder to us shall be made in Singapore
dollars.
11.7 Taxes & charges: the fees are exclusive of all or any taxes, duties and charges imposed or levied by the
appropriate local or overseas governmental agencies, financial institutions or other third parties in
connection with the services or otherwise pursuant to this terms and conditions (including any applicable
sales, use, value-added, transaction, goods and services or other similar taxes goods and services tax), all
of which shall be borne by you. In the event that any amounts payable by you to us under this terms and
conditions are subject to any withholding tax, you shall deduct such withholding taxes from payments due
to us and forward the balance to us. You shall provide the necessary supporting documentation to us of the
payment of such withholding taxes to enable us to obtain the credit for such tax payment in its country of
incorporation.
12. Your information and consent.
12.1 We may be required by law to provide information about you and your transactions to government or
other competent authorities as described in our privacy policy. You acknowledge and consent to our doing
this.
12.2 Singapore law requires all financial institutions to assist in the fight against money laundering activities
and the funding of terrorism by obtaining, verifying, and recording identifying information about all
customers. We may therefore require you to supply us with personal identifying information and we may
also legally consult other sources to obtain information about you. In addition to the information that you
submit, our systems are programmed to gather certain anonymous data to help us understand how the
services are being used and how we can improve it. This automatically gathered data includes your
computer’s IP or “internet protocol” address, statistics about how visitors navigate through the services,
and information provided through the use of “cookies”.
12.3 Verification and checks. We will verify your residential address and personal details in order to confirm
your identity. We may also pass your personal information to a credit reference agency, which may keep arecord of that information. You can be rest assured that this is done only to confirm your identity, that a
credit check is not performed and that your credit rating will be unaffected. All information provided by you
will be treated securely and strictly in accordance with applicable laws.
12.4 By accepting these terms and conditions you authorise us to make any inquiries we consider necessary
to validate the information that you provide to us. We may do this directly, for example by asking you for
additional information, requiring you to take steps to confirm ownership of your billing address or email
address; or by verifying your information against third party databases; or through other sources.
12.5 Privacy policy. You consent to our processing your personal information for the purposes of providing the
service, including for verification purposes as set out in this clause. You also consent to the use of such
data for communicating with you, and for statutory, accounting and archival purposes. You acknowledge
that you have read and consented to our privacy policy. The privacy policy can be found by clicking here:
privacy policy.
12.6 You agree that we may (a) record telephone conversations between you and us and (b) use such
recordings, or electronic transcripts from such recordings, as evidence in any dispute or anticipated
dispute. To ensure quality of customer service, you agree to allow us to monitor telephone calls between
you and us from time to time.
12.7 Consent to disclosure & provision of information. Information relating to any access or use of the services
or which have been collected from you may be shared by us with our service providers, agents or business
partners and affiliates that we work with in connection with our business. Specifically, the information may
be used for the following purposes and you consent to us and/or our personnel disclosing any information,
whether in Singapore or otherwise:
A. To any of our agents, subcontractors, partners or affiliates which have a legitimate business purpose for
obtaining such information, including offering you products or services in connection with or to facilitate
the use of the services;
B. To any of our agents, personnel, subcontractors or any other third party as we may consider necessary
in order to give effect to any electronic instructions or transaction or to comply with any order or request
of any court or governmental or regulatory authority in any jurisdiction;
C. To any of the following where such disclosure is reasonably regarded by us to be necessary to complete
any transaction or to carry out the electronic instructions:
D. To any person using the services purporting to be you; and
E. To any information gathering or processing organisation or department conducting survey(s) on our
behalf; and
F. To third parties for the purpose of statistical or trade analysis.
13. Electronic instructions and your responsibilities
13.1 Security code
A. Access to and use of password protected and/or secure areas or features of the services are restricted
to authorised users only. You may not obtain or attempt to obtain unauthorised access to such parts of
the services, or to any other protected information, through any means not intentionally made available
by us for your specific use.
B. You will be required to select or designate a password, personal or logon identification number and
other code and/or adopt certain access or security procedures (such items to be referred to as “security
code”) for use in connection with access to the services or use of the facilities provided through the
services. You hereby agree to keep the security code confidential. You are to notify us immediately if
you have knowledge that or have reason for suspecting that the confidentiality of the security code has
been compromised or if there has been any unauthorised use of the security code.
C. You agree to be bound by any access or use of the services (whether such access or use are
authorised by you or not) which are preferable to your security code. You agree and acknowledge that
any use of or access to the services referable to your security code and any electronic instructions shall
be deemed to be, as the case may be:
(I) use of or access to the services by you; or
(II) electronic instructions transmitted or validly issued by you. You agree and acknowledge that any
use of or access to the services and any information or data referable to your security code shall be
deemed to be (a) use or access of the services by you; or (b) information or data transmitted or validly
issued by you, or both and you agree to be bound by any access or use (whether such access or use
are authorised by you or not) referable to your security code, and you agree that we shall be entitled
(but not obliged) to act upon, rely on or hold you solely responsible and liable in respect thereof as if
the same were carried out or transmitted by you.
13.2 We are under no obligation to investigate the authenticity or authority of persons effecting the electronic
instructions or to verify the accuracy and completeness of the electronic instructions. Accordingly, we may
treat the electronic instructions as your authentic and duly authorised instructions which are valid and
binding on you notwithstanding any error, fraud, forgery, lack of clarity or misunderstanding in the terms of
the electronic instructions.13.3 Any risk of misunderstanding, error, loss, damage or expense resulting from the use of the services are
entirely at your own risk and we shall not be liable therefor.
13.4 All electronic instructions will be deemed to be irrevocable and unconditional upon transmission through
the services and we shall be entitled (but not obliged) to effect, perform or process such electronic
instruction(s) without your further consent and without any further reference or notice to you. Nevertheless,
in certain circumstances you may request to cancel or amend the electronic instructions which we shall
endeavour to give effect to on a commercially reasonable effort basis. However, notwithstanding the
foregoing, we are not obliged to give effect to any request to cancel or amend any electronic instruction.
13.5 You acknowledge and agree that:
A. We may at any time at our sole discretion and without stating reasons, require that you identify yourself
by alternative means; require any electronic instructions to be confirmed through alternative means (in
writing given in person at a branch, by fax, and etc.);
B. We may at any time decline to act on the electronic instructions at any time without prior notice or giving
any reason, including to: (without incurring any responsibility for loss, liability or expense arising out of
so declining to act refrain from acting promptly upon any electronic instructions) (a) verify the
authenticity thereof (b) decline to act on the electronic instructions where they are ambiguous,
incomplete or inconsistent with your other electronic instructions or instructions, information and/or data
(c) decline to act where any electronic instructions would cause you to exceed your applicable
transaction limits; or (d) decline to act on the electronic instructions where we did not receive
authorisations from other banks or financial institutions in the form required by use; and
C. Electronic instructions may not be processed immediately, around the clock or in a timely manner, and
that we shall not be liable for any loss, damage or expense arising from any delay in processing or
executing any electronic instructions.
13.6 Notwithstanding any provision to the contrary in this terms and conditions, you acknowledge and agree
that in the event that we discover or have been notified by the service providers that the funds to be or
which have been sent under the services are to be or have been debited from any other internet banking
account or card account you may have other than your internet banking account and/or your card account
maintained with us, we may at any time, at its sole discretion and without stating reasons or notice, reverse
any or all electronic instructions which you have transmitted or issued to, and which have been received
by, us and/or impose an administration processing fee for such reversal and/or terminate this terms and
conditions and your right to use the services.
13.7 You hereby agree to indemnify and render us, our directors, officers, employees, agents and assign free
and harmless from and against any claim, cause of action, suit, liability, and loss or damage of whatever
nature that may arise as a result of or in connection with the use of your account and the transactions
made with it in the following instances: (a) disruption, failure, or delay relating to or in connection with the
use of your account due to circumstances beyond our control; fortuitous events such as, but not limited to,
prolonged power outages, breakdown in computers and communication facilities, computer related errors,
system errors, system enhancements, system migration and integration, typhoons, floods, public
disturbances and calamities, and other similar or related cases; (b) fraudulent or unauthorized utilization of
your account due to unauthorized disclosure, or breach of its security or confidentiality with or without your
participation; or (c) inaccurate, incomplete, or delayed information received by us due to disruption or
failure of any communication facilities or electronic device used for your account.
14. Suspension, cancellation, termination, nonrenewal.
Your account and/or the wallet, services or any part thereof may be cancelled by us at any time without prior notice to
you. After cancellation, account and/or the wallet, services or any part thereof may be reinstated in such manner and
on these terms and conditions as we may at our absolute discretion determine.
14.1 Discretion. Without giving any reason or prior notice, and without prejudice to the other provisions in
these terms and conditions, we have absolute discretion to: (a) refuse approval of 23 any proposed
transaction even if the MatchMove wallet linked to the wallet has sufficient balance; (b) terminate or cancel
your right to use your account, wallet and related services; (c) increase or decrease the transaction limit;
(d) refuse reissuance, renewal, or replacement of wallet; or (e) introduce, amend, vary, restrict, terminate,
or suspend the benefits, related services, facilities, and privileges in respect of or in connection with your
account, wallet.
14.2 Termination by us notwithstanding anything, we may close and revoke any one or all your account, wallet
and services, with or without notice to you, if:
A. You do not follow our instructions in connection with your wallet account or related services or you do
not comply with any applicable law;
B. We believe you have (i) offered, promised or given any bribe; or (ii) agreed to receive or accepted any
bribe;
C. In our opinion, any wallet account is not operated in a proper or regular manner;
D. In our opinion, a business relationship with you is no longer appropriate;E. You threaten to breach or you have breached, any term in these terms and conditions, or any other
agreement whether relating to the borrowing of funds or the granting of advances or credit or
otherwise;
F. You have given us untrue, inaccurate, incomplete or misleading information;
G. You do not pay on time any amount due to us;
H. You pass away or become incapacitated;
I. You become insolvent or bankrupt or subject to judicial proceedings;
J. Your assets are in jeopardy or subject to enforcement of a judgment by any party;
K. Any legal proceeding (civil or legal) or action (including garnishee order, writ of seizure and sale,
injunction) is commenced or levied against you, or you have been convicted of a crime, or you or any
security provider has acted inappropriately;
L. Anything happens which, in our opinion, may have a material or adverse effect on your financial
condition, assets or compliance with the terms of these terms and conditions;
M. Any other event of default occurs under any other agreements or arrangements between us;
N. Any of the events or proceedings under this clause occurs in relation to any third party who has agreed
to provide or is providing security;
O. It would constitute a breach of our agreement with any other party;
P. It is necessary for us to do so in order for us to meet any obligation, either in Singapore or elsewhere in
the world, in connection with the prevention of fraud, money laundering, terrorist activity, bribery,
corruption or tax evasion, or the enforcement of economic or trade sanctions; or
Q. It is unlawful for us to continue to provide wallet account or any service or allow the use of the card.
14.3 You may, at any time, suspend, cancel, terminate or reactivate wallet in accordance with these terms and
conditions by following the required steps specified at http://MatchMove.cards/. You acknowledge that such
actions may be charged a fixed amount for such changes.
14.4 Upon cancellation or termination of your account, wallet or any part thereof:
A. All rights and benefits granted to you shall immediately be terminated and shall revert to us;
B. You cannot and must not use your wallet;
C. We may at our absolute discretion, decide not to act on any confirmation or request received by you
after the effective date of termination;
D. We may at our absolute discretion, decide not to act on any confirmation or request received by us
between the date of notice given to you and the effective date of termination (if there is a lapse of time
between the two dates).
15. Intellectual property rights
15.1 The MatchMove services and all intellectual property relating to them and contained in them (including
but not limited to copyrights, patents, database rights, trademarks and service marks) are owned by
MatchMove Pay Pte Ltd.
15.2 The MatchMove services may be used only for the purposes permitted by these terms and conditions or
described on this website. You are authorized solely to view and to retain a copy of the pages of the
MatchMove website for your own personal use. You may not duplicate, publish, modify, create derivative
works from, participate in the transfer or sale of, post on the internet, or in any way distribute or exploit the
MatchMove website, the MatchMove service or any portion thereof for any public or commercial use
without our express written permission. You may not: (a) use any robot, spider, scraper or other automated
device to access the MatchMove website or the MatchMove service; and/or (b) remove or alter any
copyright, trademark or other proprietary notice or legend displayed on the MatchMove website (or printed
pages of the website). The name MatchMove and other names and indicia of ownership of our products
and/or services referred to on the MatchMove website are our exclusive marks or the exclusive marks of
other third parties. Other product, service and company names appearing on the website may be
trademarks of their respective owners.
15.3 Wallet and relating services, including services and products are our sole properties and/or its licensors
and are subject to our existing policies, rules, and regulations. Wallet and related services are protected by
copyright, trade secret and other intellectual property laws. We and/or our licensors own the title, copyright
and other worldwide intellectual property rights in all services relating to wallet and related services. Using
the wallet and related services does not grant you any rights to our trademarks or service marks.
15.4 For the purpose of these terms and conditions, intellectual property rights shall mean all patent rights,
copyright rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill,
trade secret rights and other intellectual property rights as may now exist or hereafter come into existence,
and all applications and registrations, renewals and extensions thereof, under the laws of Singapore and
any country, territory or other jurisdiction.
15.5 You may choose to, or we may invite you to submit comments or ideas about wallet and related services,
including but without limitation about how to improve any service or product. By submitting any idea, you
agree that your disclosure is gratuitous, unsolicited and without restriction and shall not place us under any
fiduciary or other obligations, and that we shall be free to use the idea without any additional compensation
to you, and/or to disclose the idea on a nonconfidential basis or otherwise to anyone.16. Notices.
16.1 All notices and documents required to be given by us to you shall be sent by any one of following
methods:
A. Ordinary or registered post to your last known address according to our record;
B. Electronic mail to your last known electronic mail address according to our record;
C. Posting notice or communication on the wallet website;
D. Notices placed with or in any of the wallet written communications to you;
E. Phone call to your last known phone number according to our records;
F. Notices placed through any media; or
G. Any manner of notification as we may at our absolute discretion determine.
16.2 Unless otherwise expressly provided in writing, our notices and communications to you are effective:
A. If sent by post to an address within your country, the following business day after posting;
B. If sent by post to an address outside of your country, 5 business days after posting;
C. If sent by fax, electronic mail or SMS, at the time of transmission;
D. If sent by hand, at the time of delivery or when left at the address;
E. If posted on our website, on the date of display or posting;
F. If advertised in the newspaper, on the date of advertisement; and
G. If broadcast via radio or television, on the date of broadcast.
17. Promotional offers, advertisements, and surveys.
17.1 We may inform you about promotional offers through mail, email, fax, SMS, telephone, or any other
means of communication. You agree that we and our affiliates, and third parties selected by any of them
can offer specially selected products and services to you through any means of communication provided
above. For this purpose, you agree that we may transfer and disclose customer information to our affiliates
and third parties selected by any of them.
17.2 Third parties’ services and links to other websites. You may be offered services, products and promotions
provided by third parties and not by us. If you decide to use these services, you shall be responsible for
reviewing and understanding the terms and conditions associated with these services. You agree that we
are not responsible for the performance of these services.
17.3 Our website may contain links to third parties’ websites as a convenience to you. The inclusion of any
website link does not imply an approval, endorsement, or recommendation by us. You agree that you
access any such website at your own risk, and that the site is not governed by the terms and conditions
contained in this terms and conditions. We expressly disclaim any liability for these websites.
17.4 If you wish to be excluded from the recipient lists for our promotional offers, or find any incorrect entry in
the information held by us or in the information provided by us to a consumer reporting or reference
agency, you have to immediately write to
MatchMove Pay Pte. Ltd., 137 Telok Ayer Street, #0303, Singapore 068602 or send an email
to contactus@MatchMove.cards or call the customer service by dialing 18002711371 (tollfree hotline) or
+6562711371 (international).
18. Consent to broadcast and sending of push messages.
You agree and consent to the sending by us and our affiliates of broadcast and push messages as well as notices
and announcements to you via SMS/email blast. However, should you opt not to receive these messages, you may
make a request to that effect by following the optout instructions regularly sent by us to you.
19. Compliance.
You shall comply with all laws and regulations related to the use of stored value facilities and the current antimoney
laundering/counterterrorism financing legislation of your residence country.
You shall comply with all laws and regulations related to the use of services and the current antimoney laundering/
counterterrorism financing legislation required. For further information on antimoney laundering/counterterrorism
financing legislation: http://www.mas.gov.sg/regulationsandfinancialstability/antimoneylaunderingcountering
thefinancingofterrorismandtargetedfinancialsanctions.aspx
20. Limitation of liability.
A. The services are provided on an “as is” and “as available” basis. We do not warrant (i) the accuracy,
adequacy or completeness of the services, and expressly disclaim any liability for errors, delays or
omissions in the website, or for any action taken in reliance on the website; (ii) that the services will be
provided uninterrupted or free from errors, or that any identified defect will be corrected, nor that the
services and the website are free from any computer virus or other malicious, destructive or corrupting
code, agent, program or macros. No warranty of any kind, implied, express or statutory, including but not
limited to the warranties of noninfringement of third party rights, title, merchantability, satisfactory quality or
fitness for a particular purpose, is given in conjunction with the services. In particular, you should be awarethat where services are initiated or accessed via SMS, your mobile network operator’s confirmation that
any SMS you sent has been sent to us or our service provider does not guarantee that we have executed,
or even received, the electronic instructions contained within such SMS.
B. We may, from time to time and without giving any reason or prior notice, upgrade, modify, suspend or
discontinue the provision of or remove, whether in whole or in part, the services or any information,
functionalities, services or products provided therein, and shall not be liable if any such upgrade,
modification, suspension or removal prevents you from accessing the services or associated information,
functionalities, services or products.
C. Risks and expenses relating to the use of the internet and other telecommunication systems: we do not
warrant the security of any information transmitted by you or to you through the services and you accept
the risk that any information transmitted or received through the services may be accessed by
unauthorised third parties. Transactions over the internet as well as messages sent via SMS may be
subject to interruption, transmission blackout, delayed transmission due to internet traffic or incorrect data
transmission due to the public nature of the internet and the SMS system. You shall be responsible for
obtaining and using the necessary services, software and/or device, hardware and/or equipment
necessary to obtain access to the services at your own risk and expense (including all costs levied by your
mobile network operator).
D. Exclusion of liability: we shall in no event be liable to you or any other person for any loss, damages or
expenses whatsoever or howsoever caused and regardless of the form of action (including tort or strict
liability) arising directly or indirectly in connection with any access, use or inability to use the services, or
reliance on any materials, even if we or our agents or employees may have been advised of, or otherwise
might have anticipated, the possibility of the same. We shall not at any time be liable for indirect or
consequential losses, damages or expenses, even if foreseeable, within our contemplation or if we may
have been advised of, or otherwise might have anticipated, the possibility of the same.
E. Information available through the services: information displayed at the services or sent to you in
connection with the services, may be from a variety of sources. All data and/or information contained in the
services or sent to you in connection with the services is provided for informational purposes only. We
make no representations as to the accuracy, timeliness, adequacy or commercial value of all such
information and/or data. You should not act on data or information obtained through the services or sent to
you in connection with the services, without first independently verifying its contents.
F. Refund. We will refund to you any benefit which we receive as a result of any breach of our agreement with
you (this means that, for example, where a money transfer has failed in such circumstances we will refund
to you the transaction amount and the service fee). We do not, in any event, accept responsibility for: (i)
any failure to perform your instructions as a result of circumstances which could reasonably be considered
to be outside our control; (ii) malfunctions in communications facilities which cannot reasonably be
considered to be under our control and that may affect the accuracy or timeliness of messages you send to
us; (iii) any losses or delays in transmission of messages arising out of the use of any internet service
provider or caused by any browser or other software which is not under our control; and (iv) errors on the
website or with the service caused by incomplete or incorrect information provided to us by you or a third
party.
G. In no event shall we be liable for damages whether caused by negligence on the part of our employees,
suppliers or agents or otherwise, beyond the sum of SGD 500. In no event shall we or our agents be liable
for any indirect, special, incidental, consequential, exemplary or punitive damages, or the like.
21. Non-waiver of rights.
No failure or delay on the part of us in exercising any right or power given here shall operate as a waiver of that right
or power, and nor shall any partial or single exercise of any such rights or powers preclude any of the other rights or
powers provided here. Moreover, no waiver by us or any of its rights or powers under this wallet agreement shall be
deemed to have been made unless expressed in writing and signed by its duly authorized representative.
22. Other means of communication.
You undertake to notify us of any additional means of communicating with you aside from those disclosed in your
wallet application. Pursuant to such undertaking, you authorize us at its discretion but without any obligation to do so,
to secure information from third parties such as but not limited to utility companies, insurers, and financial
intermediaries, and to receive information on how and where you can be contacted.
23. Assignment of waiver.
You agree that we, without notice to you, may assign, discount, or otherwise transfer part of all of its rights or
obligations here or under any wallet transaction. In the event of such assignment, you irrevocably agree not to assert
against the assignee setoff rights of any obligation that may be owed by us to you. You may not assign your rights
and obligations under these terms and conditions without our prior consent.
24. Your complaints.Any complaint regarding your wallet and related services or their use, or both, shall be communicated to the wallet
hotline or contact us or other means in accordance with these terms and conditions. If we deem necessary, we will
conduct an investigation of the complaint for its prompt resolution and communicate its findings to you. You agree to
fully cooperate with any such investigation by providing the necessary or required data, information, and documents.
You must resolve any complaint against any merchant or other party directly with them. You cannot setoff against us
any claim you have against them. If there is a dispute with any merchant in respect of a payment, a refund for the
transaction will be made to you only after the merchant has refunded the payment to us.
25. No deposit insurance coverage.
The MatchMove wallet linked to your wallet is not a deposit account and is not covered by the law on deposit
insurance of the country.
26. Disclosure.
We shall keep all your files and records in strictest confidence in accordance with the provisions of your residence
country’s legislation and its privacy policy.
27. Severability clause.
If any provision of the terms and conditions is found by an arbitrator or court of competent jurisdiction to be invalid,
the parties nevertheless agree that the arbitrator or court should endeavour to give appropriately valid effect to the
intention of the terms and conditions as reflected in the provision, and the other provisions of the terms and
conditions shall remain in full force and effect.
28. Dispute resolution.
MatchMove and you shall attempt to resolve any controversy or claim arising out of or relating to the creation,
performance, termination and/or breach of these terms and conditions in the first instance through good faith
negotiation or mediation between the parties. Any claims or disputes arising from or related to these terms and
conditions shall be resolved through binding arbitration via the Singapore international arbitration centre located in
Singapore and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction
thereof. Notwithstanding the foregoing, and solely with respect to breaches or threatened breaches of these terms
and conditions, either party to these terms and conditions may seek a temporary restraining order and injunction to
protect its legal rights or interests, without the need to post bond in any court having jurisdiction.
29. Miscellaneous article
29.1 governing laws. This terms and conditions and any and all amendments thereto shall be governed by and
construed in accordance with the substantive laws of Singapore, without reference to its conflicts of law
provisions.
29.2 act in good faith. We may act in any instruction we believe in good faith has been given by you according to
the operating mandate.
29.3 dispute resolution. Any dispute arising from or relating to MatchMove services shall be resolved by final and
binding arbitration. The arbitrator shall also decide what is subject to arbitration. The arbitration will be
administered by Singapore International Arbitration Centre under (“SIAC”) in accordance with the arbitration
rules of the SIAC (“SIAC rules”) for the time being in force, which rules are deemed to be incorporated by
reference in this clause.
29.4 indemnity. You agree to indemnify us and all our servants, employees, nominees, directors and agents for
any loss and embarrassment suffered by us (other than such loss and embarrassment arising from us or our
employees’ and agents’ wilful misconduct or negligence) in connection with:
A. Any wallet account, related services or transaction;
B. Acting on or carrying out or delaying or refusing to act on any instruction you give us;
C. Searches and enquiries we make in connection with you, or a security provider;
D. The provision of any service to you and the performance of our functions;
E. Any service provided by any third party;
F. Any default or the preservation or enforcement of our rights under the terms of these terms and conditions
or any other applicable terms and conditions in connection with any wallet or related services or as a result
of your noncompliance with any of these terms;
G. Any action by us or any party against you relating to any wallet, wallet account or services;
H. Any involvement by us in any proceeding of whatever nature for the protection of or in connection with the
wallet, wallet account or services;
I. Our compliance with any existing or future law or regulation or official directive in respect of any of these
terms;
J. Taxes payable by us in connection with your wallet account; and
K. Any increased cost in our funding if there is a change in law or circumstances.
29.5 Waiver. Any failure or delay by us in exercising or enforcing any right we have under the terms of these terms
and conditions does not operate as a waiver of and does not prejudice or affect our right subsequently to act
strictly in accordance with our rights.29.6 Illegality. We may close and revoke any wallet account or related services with or without notice to you if,
because of any change to any applicable law, regulation, regulatory requirement or judicial decision, or in our
opinion, maintaining or performing any obligation under the terms in these terms and conditions becomes
illegal, or we are otherwise prohibited from doing so. If this happens, you must pay us all liabilities on demand.
29.7 General construction and interpretation. In our opinion: when we determine a matter in our opinion, the
determination is made at our absolute discretion. When we act or refuse to act: on any matter including any
instruction or transaction, we do not need to provide any reason for our act or refusal unless required by the
law. Timing: if we receive any instruction on a nonbusiness day or after the specified clearance or cutoff times,
we may treat the instruction as received on the following business day.
29.8 Amendments. We reserve the right to amend these terms and conditions at any time and for whatever
reason it may deem proper, and any such amendment shall be binding upon notice to you by publication or
other means of communication, electronic or otherwise. This is unless you object to those amendments by
manifesting the intention to terminate your membership in writing within five (5) days from notice of the
amendment. Your failure to notify us about this intention to terminate your membership as provided, and your
continued use of your wallet and related services, or both, shall be taken as your conclusive acceptance of the
amendments.
29.9 Any external links to third-party websites on the website are provided as a convenience to you. These sites
are not controlled by us in any way and we are not responsible for the accuracy, completeness, legality or any
other aspect of these other sites including any content provided on them. You access such websites at your
own risk.
29.10 Subcontracting and delegation: we reserve the right to use any service providers, subcontractors and/or
agents on such terms as we think appropriate.
29.11 Force majeure: we shall not be liable for any nonperformance, error, interruption or delay in the
performance of its obligations or in the services’ operation, or for any inaccuracy, unreliability or unsuitability of
the materials or any of the services’ contents if this is due, in whole or in part, directly or indirectly to an event
or failure which is beyond its reasonable control (which includes without limitation acts of god, natural
disasters, acts of any government or authority, power failures, and the acts or a party for whom we is not
responsible for).
29.12 We take security very seriously at MatchMove, and we work hard, using state-of-the-art security measures,
to make sure that your information remains secure. The MatchMove service is a safe and convenient way to
send money to friends and family and to other people that you trust. However, we do advise you to consider
very carefully before sending money to anyone that you do not know well. In particular, you should be very
cautious of deals or offers that seem too good to be true they may be scams. If you are aware of anyone or
any entity that is using the service inappropriately, please email us using our contact form. Similarly, if you
receive any emails, purporting to be from us, which you suspect may be “phishing” (fake) emails, please
forward them to us using our contact form.
29.13 Contact information
Reports, questions, notices, and requests for refunds or further information should be sent to us, as follows:
Web/email: helpdesk@asiatop.com.sg
Telephone customer service: +65 8733 7774
Mail: 10 Collyer Quay, #16-01, Ocean Financial Centre, S(049315)
ADDITIONAL TERMS FOR USER PROTECTION PURSUANT TO EPAYMENTS USER PROTECTION
GUIDELINES ISSUED BY MONETARY AUTHORITY OF SINGAPORE
30. Account Holder to provide contact information and monitor notifications
30.1 The Account Holder of a Protected Account shall be required to provide us with contact details as required by
us in order to send the Account Holder transaction notifications. Where the Protected Account is a joint
account, the Account Holders should jointly give instructions to us on whether we should send transaction
notifications to any or all the Account Holders. The duties of the Account Holders in this Section will apply to all
the Account Holders that the responsible FI has been instructed to send transaction notifications to.
30.2 The Account Holder shall be required at a minimum to provide the following contact information which must
be complete and accurate, to us:
(a) where the Account Holder has opted to receive transaction notifications by SMS, his Singapore mobile
phone number; or
(b) where the Account Holder has opted to receive notification by email, his email address.
30.3 It is the Account Holder’s responsibility to enable transaction notification alerts on any device used to receive
transaction notifications from us and to monitor the transaction notifications sent to the contact address. We
may assume that the Account Holder will monitor such transaction notifications without further reminders or
repeat notifications.31. Transaction Notifications
31.1 We will provide Transaction Notifications that fulfil the following criteria to you that we have been instructed to
send, in respect of all transactions (of any amount) made to or from your account (“Notifiable Transaction”).
(a) the Transaction Notification will be sent to your contact address. If you have provided more than one
contact address to us, the Transaction Notification will be sent to every contact address selected by you to
receive such notifications.
(b) the Transaction Notification will be sent on a real time basis for each transaction or on a batched basis
at least once every 24 hours to consolidate every notifiable transaction made in the past 24 hours. We may
but are not obligated to send both real time notifications and daily batched notifications to you.
(c) the Transaction Notification will be conveyed to the Account Holder by way of SMS or email. An in-app
notification will be accompanied by an SMS or email notification that meets the deadline in sub-paragraph
(b) above.
(d) the Transaction Notification will contain the following information, but we may omit any confidential
information provided that the information provided to you still allows you to identify the transaction as being
an authorised transaction or Unauthorized Transaction: (i) information that allows you to identify the
Protected Account such as the Protected Account number; (ii) information that allows you to identify the
recipient whether by name or by other credentials such as the recipient’s account number; (iii) information
that allows us to later identify you, the Protected Account, and the recipient account such as each account
number or name; (iv) transaction amount; (v) transaction time and date; (vi) transaction type; (vii) if the
transaction is for goods and services provided by a business, the trading name of the merchant and where
possible, the merchant’s reference number for the transaction.
32. Account user to protect access codes and access to protected account
32.1 You should not do any of the following:
A voluntarily disclose any Access Code to any third party, except as instructed by us for any purpose
including to initiate or execute any payment transaction involving the wallet;
B disclose the Access Code in a recognisable way on any Wallet, Authentication Device, or any container for
the Wallet; or
C keep a record of any Access Code in a way that allows any third party to easily misuse the Access Code.
32.2 If you keep a record of any Access Code, you should make reasonable efforts to secure the record,
including:
A keeping the record in a secure electronic or physical location accessible or known only to the Account User;
and
B keeping the record in a place where the record is unlikely to be found by a third party.
32.3 You shall at the minimum do the following where a device is used to access the Protected Account:
A update the device’s browser to the latest version available;
B patch the device’s operating systems with regular security updates provided by the operating system
provider;
C install and maintain the latest anti-virus software on the device, where applicable; and
D use strong passwords, such as a mixture of letters, numbers and symbols.
32.4 You should inform all other Account Users, if any, of the security instructions or advice provided by us. An
Account User should follow security instructions or advice provided by us to you.
33. Report and provide information of Unauthorized Transactions
33.1 You should report any Unauthorized Transactions to us as soon as practicable after receipt of any
Transaction Notification alert for any Unauthorized Transaction. Where you are not able to report the
Unauthorized Transaction to us as soon as you receive any Transaction Notification alert for any Unauthorized
Transaction, you should
33.2 If we so request, provide us with reasons for the delayed report. This includes time periods or
circumstances5 where it would not be reasonable to expect us to monitor Transaction Notifications. The report
should be made in in any of the following ways:
A by reporting the Unauthorized Transaction in any communications channel
For such purpose as set out in the agreement;
B by reporting the Unauthorized Transaction to us in any other way and where we acknowledge receipt of
such a report.
33.3 You should within a reasonable time provide us with any of the following information as requested by us:
A the Protected Account affected;
B your identification information;
C the type of Authentication Device, Access Code and device used to perform the payment transaction;
D the name or identity of any Account User for the account;E whether an account, Authentication Device, or Access Code was lost, stolen or misused and if so: (i) the
date and time of the loss or misuse, (ii) the date and time that the loss or misuse, was reported to us, and
(iii) the date, time and method that the loss or misuse, was reported to the police;
F where any Access Code is applicable to the account, (i) how you or any Account User recorded the Access
Code, and (ii) whether you or any Account User had disclosed the
Access Code to anyone; and
G any other information about the Unauthorized Transaction that is known to you.
33.4 You should make a police report if we request such a report to be made to facilitate the claims investigation
process.
34. Recipient credential information
34.1 Where transactions are made by way of internet banking, any mobile phone application or device arranged
for by us for payment transactions, including a payment kiosk, we will provide an onscreen opportunity for any
Account User of a Wallet to confirm the payment transaction and recipient credentials before we execute any
authorised payment transaction. The onscreen opportunity will contain the following information:
(a) information that allows the Account User to identify the Protected Account to be debited;
(b) the intended transaction amount;
(c) credentials of the intended recipient that is sufficient for the Account User to identify the recipient, which
at the minimum should be the recipient’s phone number, identification number, account number or name
as registered for the purpose of receiving such payments; and
(d) a warning to ask the Account User to check the information before executing the payment transaction.
35. Reporting channel
35.1 We will provide Account Holders of Protected Accounts with a reporting channel for the purposes of reporting
unauthorised or erroneous transactions.
35.2 The reporting channel should have all the following characteristics.
(a) The reporting channel may be a manned phone line, phone number to receive text messages, online portal
to receive text messages, or a monitored email address.
(b) Any person who makes a report through the reporting channel will receive a written acknowledgement of
his report through SMS or email.
(c) We will not charge a fee to any person who makes a report through the reporting channel for the report or
any service to facilitate the report.
(d) The reporting channel shall be available at any time every calendar day, unless it is a manned phone line,
in which case that reporting channel shall be available during business hours every business day.
36. Claim Investigation
36.1 . We will while acting reasonably at our sole discretion assess any claim made by you in relation to any
Unauthorized Transaction (“Relevant Claim”) for the purposes of assessing your liability. Where we have
assessed that the relevant claim does not fall within Unauthorized Transaction, we will resolve such a claim in
a fair and reasonable manner. We will communicate the claim resolution process and assessment to you in a
timely and transparent manner.
36.2. We may require that you furnish a police report in respect of Unauthorized Transaction claim, before we
begin the claims resolution process. Upon enquiry by you, we will provide you with relevant information that
we have of all the Unauthorized Transactions which were initiated or executed from a Protected Account,
including transaction dates, transaction timestamps and parties to the transaction.
36.3. We will complete an investigation of any relevant claim within twenty one (21) business days for
straightforward cases or forty five (45) business days for complex cases. Complex cases may include cases
where any party to the Unauthorized Transaction is resident overseas or where we have not received sufficient
information from the Account Holder to complete the investigation. We will within these periods give each
Account Holder that we have been instructed to send Transaction Notifications to in accordance with manner
set out in these terms, a written or oral report of the investigation outcome and its assessment of your liability.
We will seek acknowledgement (which need not be an agreement) from that Account Holder of the
investigation report.
36.4. Where you do not agree with our assessment of liability, or where we have assessed that the claim falls
outside of Unauthorized Transaction, the parties may proceed to commence other forms of dispute resolution
including FIDReC.
36.5. We will credit your Protected Account with the total loss arising from any Unauthorized Transaction as soon
as we have completed our investigation and assessed that you are not liable for any loss arising from the
Unauthorized Transaction. We will disclose this arrangement to you at the time you report the Unauthorized
Transaction to us and inform you of the timeline for completing our investigation.37. Liability for losses arising from Unauthorized Transactions
37.1 You are fully liable for actual loss arising from an Unauthorized Transaction where any Account User’s
recklessness was the primary cause of the loss. Recklessness would include the situation where any Account
User deliberately did not comply with requirements under these terms. You are required to provide us with
information we may reasonably require to determine whether any Account User was reckless.
37.2 For the avoidance of doubt, where any Account User knew of and consented to a transaction (“Authorised
Transaction”), such a transaction is not an Unauthorised Transaction, notwithstanding that the Account Holder
may not have consented to the transaction. This would also include the situation where any Account User acts
fraudulently to defraud any Account Holder or us. In such case, the Account Holder shall be solely liable for
entire loss.
37.3. You are not liable for any loss arising from an Unauthorized Transaction if the loss arises from, solely on
account of, any action or omission by us and does not arise from any failure by any Account User to comply
with any duty in this agreement.
37.4. Any action or omission by us includes the following:
(a) fraud or negligence by us, our employee, our agent or any outsourcing service provider contracted by
us to provide our services through the Protected Account;
(b) non-compliance by us or our employee with any requirement imposed by a regulatory authority on us in
respect of our provision of any financial service;
(c) non-compliance by us with any duty set out in this agreement.
37.5. You are not liable for any loss arising from an Unauthorized Transaction that does not exceed $1,000, if the
loss arises from any action or omission by any third party not referred to in paragraph 37.4 above and does
not arise from any failure by any Account User to comply with any duty under this agreement.
37.6 Where the Protected Account is a joint account, the liability for losses set out in this section applies jointly to
each Account Holder in a joint account.
38. Specific duties in relation to Erroneous Transactions
38.1 Where you inform us in accordance with this section that you or an Account User has initiated a payment
transaction from a Protected Account such that money has been placed with or transferred to the wrong
recipient (“Erroneous Transaction”), we will inform the wrongful recipient’s FI of the Erroneous Transaction
promptly as much as practicable, to the FI of the wrong recipient and shall make reasonable efforts to recover
the sum sent in error.
38.2 For the purposes of paragraph above, reasonable efforts mean the following:
(a) where we are the FI of Account Holder:
(i) within two business days of receiving the necessary information from you under this section, we shall
inform the recipient FI of the erroneous transaction;
(ii) within seven business days of informing the recipient FI, we shall ask the recipient FI for the recipient’s
response and provide you with any new relevant information to allow you to assess if you should make
a police report about the erroneous transaction.
(b) where we are the FI of the wrong recipient:
(i) within two business days of receiving the necessary information about any Erroneous Transaction, we
will:
I. Inform the recipient of the erroneous transaction and all necessary information that would allow the
recipient to determine if the transaction was indeed erroneous;
Ii. Ask the recipient for instructions on whether to send the sum sent in error back to you; and
Iii. Inform the recipient that his retention or use of sums transferred to him erroneously where he has
had notice of the erroneous transaction is an offence under the penal code.
(ii) within five business days of receiving the necessary information about any erroneous transaction, we
will:
I. Ask the recipient for instructions whether to send the sum sent in error back to the Account Holder;
and
Ii. Inform the other FI about the recipient’s response, including nil responses.
(iv) for the purposes of assisting the FIs to recover sums sent in error, you should provide us with any of
the following information as requested by us:
(a) all the information set out in section 33.3 except limbs (e), (f) and (g);
(b) the recipient’s unique identifier, including account number, identification number, name or other
credentials entered by the Account User; and
(c) the date, time, amount and purpose of the erroneous transaction insofar as such information is
known to you.