Feature

This Boost Missions Feature (“Missions”) offered under the Boost Service is made available by Boost to you, subject to the Boost terms and conditions. You acknowledge that you have read and fully understood these terms and conditions. Your participation in the Missions, upon activation, constitutes unconditional acceptance to be bound by these terms and conditions as may be amended from time to time. In the event of a conflict or inconsistency between these terms and conditions and Boost terms and conditions, such inconsistency shall be resolved by giving precedence in the following decreasing order (i) these terms and conditions and (ii) Boost terms and conditions.

Duration of Feature This Boost Missions Feature is made available from 31 January 2019 and shall continue to be available until further notice is issued by Boost. Any extension or discontinuation of this Boost Missions Feature shall be at the sole discretion of Boost.

Eligibility 

This Feature is made available to all Boost users.

Feature Mechanics

a) Joining Boost Missions

1. Boost may from time to time at its discretion release missions (“Mission”) for you to participate.

2. The participation in Missions is on first come, first served basis and is limited to a fixed number of participants.

3. Some Missions are limited to one-time participation per user, while some allow for multiple participations per user.

4. You will need to opt in to a Mission to activate your participation. By participating in a Mission, you are deemed to agree to the terms and conditions of the respective Mission which may be found in the Mission briefs, as well as fulfil the respective Mission criteria in order to complete a particular Mission.

5. Selected users will automatically be opted in to selected targeted Missions. Such targeted Missions are not transferable to other users.

6. Each user can only have 4 activated Missions at any point in time.

7. Users may only participate in a particular Mission once unless stated in the respective Mission’s terms and conditions.

8. Users may, at any time, opt out from participating in any Boost Missions, including targeted Missions.

b) Completing Boost Missions

1. Spending transactions will only be reflected in the Boost Missions tracker after at least 5 minutes of each transaction.

2. Transactions will be accounted towards a mission only if that transaction would result in completing one (1) mission.

3. If a transaction results in more than one (1) missions being completed, only 1 mission would be accounted for based on the following order:

a) The mission with the highest reward;

b) If the rewards for missions are of the same amount, the mission with the earliest expiry period; and

c) If the missions are of the same expiry period, the mission with the earliest participating date.

4. If a transaction does not result in completing any mission but contribute to the progress of a mission (i.e. cumulative spend missions), that transaction would only be accounted for the progress of only one (1) mission based on the following order:

a) The mission with the highest reward;

b) If the rewards for missions are of the same amount, the mission with the earliest expiry; and

c) If the missions are of the same expiry, the mission with the earliest joining date.

c) Boost Missions Rewards

1. For each Mission that is completed, you will be rewarded with “Boost Coins” and/or cash rewards (“Mission Rewards”) in the Boost App which will be given to you as per the terms and conditions of the respective Mission. You may use Boost Coins earned to participate in other Missions.

2. You are required to claim your reward upon completion of the Mission. Boost may forfeit any reward which is unclaimed at its discretion.

3. Boost Coins used to participate in Missions are not refundable if a user fails or opts out from a Mission.

4. If a Mission is not completed within the prescribed time limit, you will not be eligible to get the Mission Reward and you Boost Coins used to participate in such Mission will not be refunded.

5. Mission Rewards are non-transferable and non-exchangeable.

6. Boost Coins cannot be exchanged for cash or e-money.

These terms for the Boost Loyalty Programme complement and incorporate by reference the Boost Terms and Conditions. In the event of any conflict between the Boost Terms and Conditions and these Boost Loyalty Programme terms, the Boost Terms and Conditions shall take precedence.

Duration of Feature

This Boost Loyalty Programme is made available from 31 October 2019 and shall continue to be available until further notice is issued by Boost. Any extension or discontinuation of this Boost Loyalty Programme shall be at the sole discretion of Boost.

Eligibility

This Feature is made available to all Boost users.

1. Effective 1st November 2021, Boost Coins will be known as Boost Stars. For clarity, you may/ may have seen that the Boost Loyalty Programme being referred to by Boost as “BoostUP Rewards Programme”. Please note that “Boost Loyalty Programme” and “BoostUP Rewards Programme” are used interchangeably and they have the same meaning.

2. By using the Boost Service, you will automatically be able to participate in the Boost Loyalty Programme to accumulate Boost Stars (“Stars”) and redeem rewards including, but not limited to e-vouchers and gifts offered by Boost and/or third party merchants listed in the rewards catalogue made available to you from time to time (“Rewards”). Upon your successful registration for a Boost account with Boost, you will be given free 200 Stars at the start of your membership in the Boost Loyalty Programme and you may commence earning Stars from eligible transactions under the Boost Loyalty Programme.

3. The Boost Loyalty Program is a tier-based program in which the membership tier (“BoostUP Rank”) is determined by the transaction amount accumulated within a quarter of a calendar year beginning on the date when first participated. The Boost Loyalty Programme offers three (3) membership tiers as follows:

a. Rank 1: Red Recruit;

b. Rank 2: Silver Sergeant; and

c. Rank 3: Gold General.

For clarity, if you join the Boost Loyalty Programme in the first quarter of a calendar year, your BoostUP Ranks will be assessed in the following quarter.

4. BoostUP Ranks are reassessed at the end of every quarter of a calendar year in which the total transaction amount spent within a particular quarter of a given year may determine your BoostUP Rank in the following quarter. For clarity, the next assessment to determine your BoostUP Rank will be the end of the last quarter of 2021 (including for the users who join in November 2021). The review subsequent thereto would be at the of end the following quarter (i.e. first quarter of 2022).

5. Upon expiration of your BoostUP Rank tenure in a particular rank and if you have not made sufficient transaction amount to be retained in that tier, you may be moved/ downgraded to the next relevant membership rank.

6. You may earn Stars, in accordance with your BoostUP Rank (as set out in the table below), by making eligible transactions using your Boost Wallet. Notwithstanding anything herein, eCode may at its sole and absolute discretion assign the number of Stars to the respective BoostUP Rank. In addition to earning Stars through eligible transactions, you may receive additional bonus Stars (as set out in the table below) on spending made in the past calendar month should you maintain a 100% Online Banking Boost wallet Cash in the immediate past calendar month. For clarity, “100% Online Banking Boost wallet Cash in” means every and all cash in transaction made by you into your Boost wallet is via online banking.
 

7. Transactions which are not eligible for earning Stars are set out below:

a. Peer-to-peer transfer;

b. Boost wallet Cash In;

c. Transactions on investment related products;

d. Zakat payments;

e. PTPTN payments;

f. Entire or part of payments using Partner Wallet (with effect from 8 June 2022);

g. Payments made via non-Boost DuitNow QR codes (with effect from 1 June 2022);

h. Entire or part of payments using Pay with Stars (with effect from 8 June 2022);

i. Transactions on travel and transportation related products and services, including parking, KLIA Ekspres, e-hailing, petrol, bus tickets, car rental booking, etc. (with effect from 2 October 2023);

j. Transactions on entertainment and games related products, including Boost Game Connect, game credit purchase, etc. (with effect from 2 October 2023); 

k. Transactions on voucher purchase (with effect from 2 October 2023);

l. Transactions on insurance related products (with effect from 2 October 2023);

m. Transactions via UnionPay QR (with effect from 2 October 2023);

n. Any other transactions that Boost may, from time to time, in its absolute discretion decide to be not eligible for earning Stars.

For illustration purposes of Clause 7(f) above, if a User makes payment for a total amount of RM100, whereby RM10 is deducted from the User’s RM10 Partner Wallet and the remaining RM90 is deducted from the User’s Boost Wallet, the User will only be eligible to earn Stars for the RM90 deducted/ spent.

For illustration purposes of Clause 7(h) above, if a User makes a payment for a total amount of RM50, whereby a RM5 discount is redeemed with Boost Stars via the Pay with Stars feature and the remaining RM45 is deducted from the User’s Boost Wallet, the User will only be eligible to earn Stars for the RM45 deducted/ spent.

8. Stars will not be awarded if in Boost’s reasonable opinion the merchandise purchased will be used for resale or commercial use and any Stars awarded on such purchases will be forfeited without notice.

9. Stars are automatically added to your BoostUP account after performing a successful and valid transaction (eligible for earning Stars). If you void a transaction made with your Boost Wallet or if you request for a refund or return of purchases, Boost will deduct the Stars that you earned for that transaction, potentially resulting in a negative Stars balance.

10. Boost disclaims any responsibility in the event of errors in the crediting of Stars, other than in relation to errors resulting from its own negligence.

11. When enough Stars have been accumulated to obtain the Rewards (s) desired, you may use your Stars to redeem such Reward from the App. For clarity, the Stars have validity period, you should use the Stars accumulated by you to redeem Rewards within the timeframe stipulated, failing which the Stars (all or part thereof depends on its respective validity period) shall expire and shall be automatically forfeited at the absolute discretion of Boost and without notice to you.

12. For clarity, unless otherwise stipulated in the relevant Campaign’s terms and conditions, the Stars default validity period is a period of nine (9) months or three quarters, whichever comes earlier.

13. In connection with the “FlexiRedeem” feature (introduced on 7 March 2022 and shall continue to be available until further notice is issued by Boost), you may redeem Rewards available under the “FlexiRedeem” tab on the BoostUP Rewards Catalogue in the App, using a combination of Stars accumulated and money from your Account (“FlexiRedeem Redemptions”) subject to the following.

a. Stars used in FlexiRedeem Redemptions are subject to the same terms & conditions as regular Stars; 

b. Unless stipulated otherwise in the terms and conditions of FlexiRedeem Redemptions (if any), you will earn Stars for the money spent from your Account in FlexiRedeem Redemptions in accordance with your BoostUP Rank. For illustration purpose, if you spend RM10 and 1000 Stars on a FlexiRedeem Redemption, and you are ranked Silver Sergeant, you will earn 20 Stars from the said FlexiRedeem Redemption, unless otherwise stipulated in the terms and conditions.

14. Stars and where applicable, money, used to redeem the Rewards (including FlexiRedeem Redemptions) shall not be refunded or returned or exchanged in any kind. Once redemption for the Reward is completed, the said redemption cannot be cancelled.

15. All redeemed Rewards are provided to you strictly on an “as is” basis, and without any warranty of any kind, including any implied warranty of merchantability, fitness for purpose, non-infringement or non-misappropriation of intellectual property rights of a third party, accuracy, content or results. Boost shall not be liable for any liability, loss, damages, cost and/or expenses (whether direct or indirect), or for loss of revenue, loss of business, loss of profits or any consequential or indirect loss whatsoever as a result of your use and/or misuse of your redeemed Rewards.

16. You may have only one (1) Rewards account per Boost account that is personal to you. Your Boost Rewards are personal to you and they are not redeemable for cash (except for Boost credit where relevant) nor are they exchangeable for other Rewards under any circumstances. The Rewards cannot be sold (resold), exchanged or transferred for value under any circumstances, and they cannot be assigned to, or shared with, family, friends or others, or used by you for any commercial purpose. Your Boost Rewards shall not be regarded, construed, or used as valuable or exchangeable instruments under any circumstances.

17. The Rewards are subject to availability and may be changed by Boost at any time without notice. For clarity, Boost may at its sole and absolute discretion and without prior notice to you, reject your request to redeem Stars for any reason whatsoever, including without limitation, where:

a. There are insufficient Stars to redeem for a particular Reward; or

b. The Reward is no longer made available or out-of-stock by the third party merchant;

c. The Stars you wish to use for redemption of Rewards have been issued to you in error or have expired; or

d. Boost reasonably believes that that redemption transaction may be suspicious, illegal, involves any criminal activity or involves points that have been obtained through dishonest or fraudulent means or abusive behaviour.

18. Boost reserves the right to change, modify, discontinue or cancel the Boost Loyalty Programme or any part of the Boost Loyalty Programme, at any time and in its sole discretion, without notice to you. If the Loyalty Program is terminated, all unredeemed Stars will be forfeited without any obligation or liability, and no Rewards claims will be honoured thereafter.

19. The Stars conversion rate shall be at Boost’s discretion and the rate may increase or decrease as may be notified to you from time to time.

20. The Stars are for personal use only. The Stars have no cash or monetary value and are not redeemable for cash in any form and cannot be purchased, resold, exchanged or transferred, for value or otherwise, under any circumstances. The Stars shall not be regarded, construed, or used as valuable or exchangeable instruments under any circumstances.

21. You may also choose to use your Stars to participate in the BoostUP Pick & Win in the App which enables you to win Reward(s) by exchanging your Stars into entry(ies). (“Entries”)

22. Stars used to exchange for the Entries shall not be refunded or exchanged in any kind. Stars which you have exchanged for Entries in the BoostUP Pick & Win in the App will not refunded to you if you do not win any of the Rewards that you pick.

23. Winners of the BoostUP Pick & Win shall be notified within the App and via email to your email address registered with Boost and the redemption for the Rewards shall only be disclosed within the App in the “My Rewards” tab.

24. If you fail to comply with any of these terms and conditions, we reserve the right to forfeit the Reward, or select another winner.

25. Your redemption of a Reward that is an e-voucher is subject to the additional terms and conditions of Boost or the third-party merchant (as the case may be) that offers the particular e-voucher that you wish to redeem.

26. You must use your e-vouchers redeemed during their applicable validity period failing which they will expire and be forfeited without further notice to you. You agree that you will have no claim whatsoever against Boost for any expired e-vouchers.

27. Your Stars balance and redemption entitlements will be reflected in the App and shall serve as conclusive evidence of the same.

28. The benefits and privileges of each BoostUP Rank shall be as set out from time to time in the App.

29. You will automatically cease to be a member of the Boost Loyalty Programme when you deactivate your Boost account.

30. Upon your cessation to be a member of the Boost Loyalty Programme, all then outstanding Stars at such point of time shall be automatically cancelled and forfeited. Stars should be redeemed before ceasing membership as once cancelled and forfeited, Stars cannot be redeemed. No accumulation or carry over of Stars will be permitted even if you subsequently reinstate your membership.

31. Boost may, in its sole discretion, take such actions as it deems appropriate, including without limitation, suspending your benefits and/ or privileges under the Boost Loyalty Programme, revoking any or all of the Stars in your Boost Loyalty Programme account, and/or revoking your membership in the Boost Loyalty Programme, in each case, with or without advance notice to you and without liability to Boost in the event of fraud or abuse or redemptions or if Boost determines that a you have abused any of the Boost Loyalty Programme benefits and/ or privileges, have failed to comply with any of these terms and conditions set out hereinabove, or have made any misrepresentation to Boost.

These terms for the Boost Partner Wallet complement and incorporate by reference the Boost Terms and Conditions. In the event of any conflict between the Boost Terms and Conditions and these Boost Partner Wallet terms, the Boost Partner Wallet terms shall take precedence. Boost reserves the right to vary, modify or amend the terms and conditions of Boost Partner Wallet at its sole discretion without prior notice to you.

1. By using the Boost Service, you will automatically be able to use the Boost Partner Wallet feature which will enable you to :

a. Discover partner wallets (“Partner Wallet”) provided by Boost’s participating partners (“Partners”) and receive/pay with partner wallets;

b. View all Partner Wallets and their details (e.g. wallet amount, date validity, participating outlets and terms and conditions relevant to the respective Partner Wallet); and

c. Get Partner Wallet cashback which will be deposited in the relevant Partner Wallet.

2. You may receive Partner Wallet cashback:

d. Instantly after making a purchase using Boost at the Partner. Cashback will be given via shake reward; or

e. By redeeming the Partner Wallet cashback with Boost Coins.

3. Partner Wallet cashback which you have accrued will be automatically added to your Partner Wallet. You may use the Partner Wallet cashback for any of your next transaction using Boost with the same Partner.

4. You may not transfer the Partner Wallet cashback to your main Boost wallet, perform P2P, cash out your Partner Wallet cashback to your bank account or exchange your Partner Wallet cashback for cash or Boost coins.

5. Partner Wallet cashbacks are subject to the expiry date as stipulated in the respective Partner Wallet. Any expired cashbacks shall not be refunded or exchanged for cash or Boost coins. The expiry date for the Partner Wallet credits will not be extended in the case of a refund.

6. In relation to campaigns, if your Partner Wallet cashback expires within a Partner Wallet’s campaign period before you utilize such cashback and/or you have received the maximum amount of cashback for the respective Partner Wallet campaign, you will not receive any additional cashback under such Partner Wallet campaign.

7. In the event of void or partial void transaction performed using Partner Wallet cashback, such Partner Wallet cashback shall be restored to the respective Partner Wallet from which the transaction was performed. However, you will not receive any cashback which you are entitled to under such voided or partially voided transaction.

8. If there are more than one (1) active Partner Wallets, the Partner Wallet with the cashback which is expiring first will be utilized.

9. Only one (1) Partner Wallet may be used to make payment in a single transaction.

These terms for the Boost Shake Rewards complement and incorporate by reference the Boost Terms and Conditions. In the event of any conflict between the Boost Terms and Conditions and these Boost Shake Rewards terms, the Boost Terms and Conditions shall take precedence. Boost reserves the right to vary, modify or amend the terms and conditions of Boost Shake Rewards without prior notice to you.

Duration of Feature

This Boost Shake Rewards feature is made available from 22 August 2022 and shall continue to be available until otherwise notified by Boost. Any extension or discontinuation of this Boost Shake Rewards shall be at the sole discretion of Boost.

Eligibility

This feature is made available to all Boost users.

To receive the Shake Rewards, you must spend a minimum amount of RM10 using Boost on any transaction except for the following:

1.    Peer-to-peer transfer;

2.    Boost wallet Cash In;

3.    Transactions on investment related products;

4.    Zakat payments; and

5.    PTPTN payments

Feature Mechanics

1. You may earn vouchers or Partner Wallets from eligible partners (“Partners”) which are available on the Boost app by clicking on the Shake banner on the Boost app or physically shaking your mobile device when on the transaction success screen.

2. The purchase made from the Partners under this Feature are subject to the relevant terms and conditions of the respective Partners as displayed on their respective terms and conditions pages.

3. You will receive up to 3 attempts to redeem the Shake Rewards based on your transaction amount as follows:

a. RM10.00 to RM19.99 – 1 Shake Reward redemption

b. RM20.00 to RM29.99 – 2 Shake Reward redemptions

c. RM30.00 and above – 3 Shake Reward redemptions

4. All redeemed Rewards are provided to you strictly on an “as is” basis, and without any warranty of any kind, including any implied warranty of merchantability, fitness for purpose, non-infringement or non-misappropriation of intellectual property rights of a third party, accuracy, content or results. Boost shall not be liable for any liability, loss, damages, cost and/or expenses (whether direct or indirect), or for loss of revenue, loss of business, loss of profits or any consequential or indirect loss whatsoever as a result of your use and/or misuse of your redeemed Rewards.

5. You will not be able to re-visit your Shake Rewards if you exit the journey. You will be required to complete a new transaction that meets the required minimum spend in order to be eligible to receive the Shake Rewards again.

6. The Shake Rewards are subject to availability and may be changed by Boost at any time without notice. For clarity, Boost may at its sole and absolute discretion and without prior notice to you, reject your request to redeem Shake Rewards for any reason whatsoever, including without limitation, where:

a. There are insufficient amounts to redeem for a particular Reward;

b. The Reward is no longer available or out-of-stock by the Partner;

c. Boost reasonably believes that the transaction made by you may be suspicious, illegal, involves any criminal activity or involves points that have been obtained through dishonest or fraudulent means or abusive behaviour.

Terms and Conditions Governing the National Addressing Database 

In these Terms and Conditions (“Terms”), references to “You”, “Your” and “Yours” refer to the Boost wallet customer who uses the National Addressing Database (“NAD”) and references to“We”, “Our”, “Ours” and “Us” refer to AXIATA DIGITAL ECODE SDN BHD (Company No. 201701000820 (1214970-T)).

These Terms govern Your use of the NAD provided by Us and shall be read in conjunction with Boost General Terms and Conditions (as updated from time to time).

1. Definitions

“Account” means an E-money account offered by issuers of e-money and all types of deposit accounts offered by banks, except for fixed deposit accounts. This shall include, but is not limited to, all types of conventional and/ or Islamic savings accounts, current accounts, investment accounts, virtual internet accounts.

“Boost App” means the mobile application named as “Boost” or such other name as may be determined by Us from time to time, and operated by Us that offers e-money services by Us to Our users, i.e. You.

“DuitNow ID” means an identifier of an account holder such as a mobile number, NRIC, passport number, army number or police number (in the case of an individual) or business registration number (in the case of a corporate customer) or any other identifiers as may be introduced by the NAD Operator from time to time.

“DuitNow Transfer” means a service which allows customers to initiate and receive instant credit transfers using a recipient’s account number or DuitNow ID.

“E-money account” means a payment instrument that stores funds electronically in exchange for funds paid to the issuer of e-money and is able to be used a means of making payment to any person other than the issuer of e-money.

“Malware” means computer viruses, bugs or other malicious, destructive or corrupting software, code, agent, program or macros, and/or phishing or social engineering schemes which utilise computer software or telecommunications to obtain personal data or any other personal information for malicious or fraudulent purposes.

“National Addressing Database” (NAD) means a central addressing depository established by the NAD Operator that links a bank or an e-money account to a recipients DuitNow ID and facilitates payment to be made to a recipient by referencing the recipient’s DuitNow ID.

“NAD Name Enquiry” means a service which returns the name of the owner who has registered itsDuitNow ID in NAD.

“NAD Operator” means Payments Network Malaysia Sdn Bhd (PayNet) (Company No.:200801035403 [836743-D])

“Personal Data” means any information in respect of commercial transactions that relates directly or indirectly to a customer, who is identified or identifiable from that information which includes, but not limited to, the customer’s name, address, identification card number, passport number, banking information, email address and contact details. 

“Common ID” means a unique identification of a customer which links all DuitNow IDs registered by the customer such as the customer’s NRIC, army number, or police number, or for non- Malaysians, passport number.

2. The NAD Service 

a. The NAD service allows You to link an Account that You have with Us to Your DuitNow ID.

b. By linking Your DuitNow ID to Your Account, You have the option of receiving incoming funds via DuitNow or any other payment services that address payments using Your DuitNow ID.

c. When You register Your DuitNow ID in NAD, You will also provide Us with Your Common ID which will be linked to Your Account with Your registered DuitNow ID. Your Common ID will be used by other NAD participating banks for the purpose of identifying You, as part of facilitating the DuitNow service.

d. You may link more than one of Your DuitNow ID to the same Account. However, You may notlink a particular DuitNow ID to multiple Accounts.

e. You may not transfer Your DuitNow ID to others or allow Your DuitNow ID to be utilized by any person other than You, including, but not limited to, for fraudulent or deceptive purposes.

3. Modification and Deregistration of your DuitNow ID

a. You may update or change Your DuitNow ID that is linked to Your Account via the channels made available to You. We will require a reasonable notice period to effect such changes or update.

b. You understand and agree that Your DuitNow ID that is linked to Your Account may be deregistered by You or by Us, due to the following circumstances:

i. You wish to transfer Your existing DuitNow ID to another Account in another bank/e-money issuer;

ii. You have changed/updated Your DuitNow ID;

iii. You have closed Your Account that is linked to Your DuitNow ID;

iv. the mobile number which You have provided to Us as Your DuitNow ID has been terminated and recycled for use by another person;

v. after a period of inactivity; or

vi. upon investigation, We find out that You or Your DuitNow ID is potentially involved inany fraudulent activity(s).

c. You agree that We or the NAD Operator may at any time deregister Your DuitNow ID or deny You the NAD service for reasons of security, prevention of fraud, suspicious activities and, in the case of the NAD Operator, for any reason the NAD Operator may deem fit.

d. You will receive a confirmation of de-registration from Us via Boost App as soon as the de-registration is confirmed.

4. Your Information

a. You represent and warrant that the DuitNow ID used for registration in NAD belongs to You, is correct, complete and up-to date for the use of the service and You will promptly notify Us if there is any change to the DuitNow ID information provided to Us. In the event that any information provided by You is fraudulent or deliberately misleading, You shall indemnify Us, Our affiliates and the NAD Operator for any losses caused by such provision of information or breach of the other provisions of these Terms.

b. You acknowledge and agree that other NAD participating banks/ e-money issuers may performa NAD Name Enquiry of Your DuitNow ID for the purpose of verifying/identifying Your name to Your registered DuitNow ID, as part of facilitating the DuitNow service.

c. You acknowledge and consent to the disclosure of Your DuitNow ID, Your Common ID and other relevant Personal Data to the NAD Operator for its processing, storing, and archival and disclosure to the sender of funds or merchants under the DuitNow services, Our affiliates, service providers, other NAD participants and third parties offering the DuitNow service and their respective customers.

d. You acknowledge and agree that We may disclose your DuitNow ID information to anyone who We are under an obligation to disclose information to under the law or where it’s in the public interest, for example to prevent or detect fraud and abuse.

5. Data Protection

a. Your consent and Our right to disclose information shall be in addition to, and without prejudice to the rights accorded to You under the Personal Data Protection Act 2010 and any other applicable laws in Malaysia.

b. We will only disclose, use and process Your DuitNow ID for the purpose of facilitating the DuitNow service.

c. We have in place, reasonable security measures (both technical and organisational) against unlawful or unauthorised processing of Your DuitNow ID.

d. We will notify You as soon as practicable if Your DuitNow ID is lost, destroyed, or becomes damaged, corrupted or unusable.

6. Liability

a. We and the NAD Operator shall not be liable for any losses or damage You may suffer as a result of, including but without limitation:

i. Your failure to maintain up-to-date information and Your failure to provide accurate information to us;

ii. Our compliance with any instruction given or purported to be given by You which is apparent to a reasonable person receiving such instruction;

iii. any misuse or any purported or fraudulent use of Your DuitNow ID including instances whereby online fraud is perpetrated by way of any Malware;

iv. any disclosure of any information which You have consented to Us collecting, using or disclosing or where such collection, Use or disclosure is permitted or required to be disclosed under the applicable laws in Malaysia.

7. Miscellaneous

a. You acknowledge that We have the right to change, vary or modify these Terms by providing You with thirty (30) days notice in such manner as We deem fit and You agree to be bound by such Terms as cancelled, revised or modified.

b. These Terms shall be construed in accordance with the laws of Malaysia and You agree to submit to the non-exclusive jurisdiction of the courts of Malaysia.