-
11. 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 Services. What this means
for you: when you sign up for an account, we will ask for your
name, address, date of birth, nationality, identification
number and other identification documents that local
applicable laws require us to obtain. We appreciate your
understanding and cooperation.
-
11.1 Only qualified members can use Wallet and Services by
registering online at website;
- 11.2 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 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 (for an individual) or corporate (for corporate
customers) information if and when it changes. Upon
application, you must fill up and complete the account
opening form and provide 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 Authorised Representative must establish an
enterprise account on your behalf;
-
d) Will update your personal (for an individual) or
corporate (for corporate customers) 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 Services,
to facilitate your participation in the services and for
other purposes consistent with our privacy policy.
-
11.3 It is paramount that all funds deposited or transferred
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.
-
11.4 We may, from time to time, at our 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 our
sole discretion suspend an account until such proof has been
provided to our satisfaction.
-
11.5 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.
-
11.6 Transaction limits. We may, from time to time, impose
transaction limits (such as minimum transaction amounts) in
connection with the Wallet or Services or vary the frequency
or manner of use of the services.
-
12. Fees
-
12.1 To be entitled to remittance services, wallet
privileges and benefits, including related services, you
shall pay the fees we may require. We reserve the right to
and may at our sole discretion, charge and revise from time
to time the privileges and benefits under Wallet or
Services, 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 and
the continued use of the Wallet and Services shall be taken
as acceptance by you of the terms, benefits and fees.
-
12.2 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”).
-
12.3 All paid annual fees are non-refundable even if the
privileges are suspended or terminated, or even if you
cancel your account with us before its expiry date.
-
12.4 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; provided that if the Wallet is a Multi Currency
Wallet, Payment will be first drawn from those Multi
Currency Wallet(s) which match the advertised currency of
settlement of the merchant for such goods or services;
further provided that in the event of insufficient balance
in the relevant Multi Currency Wallet, the outstanding
amount shall be settled in Singapore Dollars at a rate
acceptable to us for that date.
-
12.5 We may decline your transaction, if there are
insufficient balance held in both Singapore Dollars and/or
Permitted Foreign Currency within the Wallet and/or Multi
Currency Wallet(s) to pay for a transaction. You are solely
responsible for determining the balance held in Singapore
Dollars and/or Permitted Foreign Currency, and for ensuring
you have sufficient funds for all Wallet transactions.
-
12.6 We may disclose the exchange rate when a currency
conversion is performed by us. You must indemnify us for any
shortfall and be responsible for any losses and risks
arising from the conversion.
-
12.7 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.
-
12.8 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.
-
12.9 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 these 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 these 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.
-
13. Your Information and Consent
-
13.1 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.
-
13.2 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”.
-
13.3 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 third-party service provider(s), which may keep a record
of that information. You can be rest assured that this is
done only to confirm your identity. All information provided
by you will be treated securely and strictly in accordance
with applicable laws.
-
13.4 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.
-
13.5 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:
https://www.matchmove.com/privacy-policy/
-
13.6 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.
-
13.7 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.
-
14. Electronic Instructions and Your Responsibilities
-
14.1 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 is authorised by
you or not) which are referable 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 therefore 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 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.
-
14.2 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.
-
14.3 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.
-
14.4 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 you 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.
-
14.5 You acknowledge and agree that:
-
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, etc.);
-
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
-
Electronic instructions may not be processed
immediately, around the clock or in a timely manner and
we shall not be liable for any loss, damage or expense
arising from any delay in processing or executing any
electronic instructions.
-
14.6 Notwithstanding any provision to the contrary in these
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 our 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 these terms and conditions and
your right to use the services.
-
14.7 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,
any action taken by a Government or public authority
including imposing embargo, export or trade restriction
or other restriction or prohibition caused by a
“Epidemic” or “Pandemic” outbreak, riots, strikes and
work stoppages, delays by third-party vendors, any acts
of Gods and unforeseen circumstances 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.
-
15. 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.
-
15.1 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 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 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.
-
15.2 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 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 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.
-
15.3 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://www.website.com.sg/. You acknowledge that such
actions may be charged a fixed amount for such changes.
-
15.4 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).
-
16. Intellectual Property Rights
-
16.1 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.
-
16.2 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
services 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
services; 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.
-
16.3 Wallet and related 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 do not grant you any rights to our
trademarks or service marks.
-
16.4 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.
-
16.5 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.
-
17. Notices.
-
17.1 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.
-
17.2 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.
-
18. Promotional offers, advertisements, and surveys.
You hereby consent that your Personal data will be collected,
used and disclosed by us in accordance with the Personal Data
Protection Act 2012, for the provision of all services. We may
also send you marketing mailers by post or email or via SMS
text, telephone or fax. You hereby consent that we may
disclose your Personal data to our business partners and
third-party service providers for these purposes. Where there
are joint account holders, you confirm that they have
consented to our collection, use and disclosure of their
Personal data. In this context, you agree that:
-
18.1 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.
-
18.2 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.
-
18.3 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 these terms and
conditions. We expressly disclaim any liability for these
websites.
-
18.4 If you wish to be excluded from the recipient lists for
our promotional offers, advertisements or surveys, or find
any incorrect entry in the information held by us or in the
information provided by us to third service providers, you
have to immediately notify us by calling our customer
service by dialing +65 6271 1371.
-
19. 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 output instructions regularly
sent by us to you.
-
20. Compliance
-
20. Compliance with Laws
-
20.1 You shall comply with all laws and regulations
related to the use of stored value facilities and the
current anti-money laundering/counterterrorism financing
legislation of your residence country or otherwise in
the country or territory in which you are present while
using the Wallet or Services.
-
20.2 You shall comply with all laws and regulations
related to the use of services and the current
anti-money laundering/ counterterrorism financing
legislation required. For further information on
anti-money laundering/counter terrorism financing
legislation:
https://www.mas.gov.sg/regulation/anti-money-laundering/targeted-financial-sanctions
-
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 aware that 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.
-
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.
-
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.
-
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.
-
Your complaints
-
Any complaint regarding your Wallet and 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.
-
No deposit insurance coverage
-
Funds stored on the MatchMove Mobile Wallet and stored
value Card provided in conjunction with the Mobile
Wallet are not insured deposits under the Deposit
Insurance and Policy Owners’ Protection Schemes Act
(Chapter 77B of the Singapore Statutes) and are
ineligible for protection by the Deposit Insurance
Scheme.
-
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.
-
Severability clause
-
28.1 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.
-
Dispute resolution
-
29.1 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
center 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.
-
30. Miscellaneous
-
30.1 Governing Law. These 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.
-
30.2 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.
-
30.3 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.
-
30.4 Indemnity. You agree to indemnify us and all our
affiliates, subsidiaries, 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’ willful misconduct or
negligence) in connection with:
- a) Any wallet account, Services or transaction;
-
b) Acting on or carrying out or delaying or refusing to
act on any instruction you give us;
-
c) 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.
-
30.5 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.
-
30.6 Illegality. We may close and revoke any Wallet, wallet
account or 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.
-
30.7 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.
-
30.8 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
Services, or both, shall be taken as your conclusive
acceptance of the amendments.
-
30.9 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.
-
30.10 Subcontracting and delegation: we reserve the right to
use any service providers, subcontractors and/or agents on
such terms as we think appropriate.
-
30.11 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).
-
30.12 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.
- 30.13 Contact information
-
Any questions, notices, and requests for refunds or
further information should be directed to us by contacting
our customer service at +65 6271 1371 OR WRITE TO:
-
MatchMove Pay Pte. Ltd., 137 Telok Ayer Street, #03-03,
Singapore 068602 or call the Customer Service by dialling
1-800-271-1371
-
ADDITIONAL TERMS FOR USER PROTECTION PURSUANT TO EPAYMENTS
USER PROTECTION GUIDELINES ISSUED BY MONETARY AUTHORITY OF
SINGAPORE
31. Account Holder to provide contact information and monitor
notifications
-
31.1 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 Regulated Entity has been
instructed to send transaction notifications to.
-
31.2 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.
-
31.3 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.
-
32. Transaction Notifications
-
32.1 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 authorized
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.
-
33. Account user to protect access codes and access to protected
account
- 33.1 You should not do any of the following:
-
(a) voluntarily disclose any Access Code to any third party;
-
(b) disclose the Access Code in a recognizable 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.
-
33.2 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.
-
33.3 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.
-
33.4 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.
-
34. Report and provide information of Unauthorized Transactions
-
34.1 You should report any Unauthorized Transactions to us
as soon as practicable after receipt of any Transaction
Notification alert for any Unauthorized Transaction.
-
34.2 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 if we so request, provide us with reasons for the
delayed report. This includes the time periods or
circumstances where it would not be reasonable to expect us
to monitor Transaction Notifications. The report should be
made in any of the following ways:
-
a) by reporting the Unauthorized Transaction in the
communications channel as set out in this agreement; or
-
b) by reporting the Unauthorized Transaction to us in
any other way and where we acknowledge receipt of such a
report.
-
34.3 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;
-
g) any other information about the Unauthorized
Transaction that is known to you.
-
34.4 You should make a police report if we request such a
report to be made to facilitate the claims investigation
process.
-
35. Recipient credential information
-
35.1 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;
-
(d) a warning to ask the Account User to check the
information before executing the payment transaction.
-
36. Reporting channel
-
36.1 We will provide Account Holders of Protected Accounts
with a reporting channel for the purposes of reporting
unauthorised or erroneous transactions.
-
36.2 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.
-
37. Claims investigation
-
37.1 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.
-
37.2. 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.
-
37.3. 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.
-
37.4. 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
mediation such as FIDReC,
-
37.5. 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.
-
38. Liability for losses arising from Unauthorized Transactions
-
38.1 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 assist us to determine whether or
not any Account User was reckless.
-
38.2 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 a case, the
Account Holder shall be solely liable for entire loss.
-
38.3 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.
-
38.4 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.
-
38.5 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.
-
38.6 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.
-
39. Specific duties in relation to Erroneous Transactions
-
39.1 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.
-
39.2 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.
-
39.3 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 such information that we may request as set out
in section 33.3);
-
(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.