MoneyMatch Prepaid Mastercard Terms and Conditions

These Terms and Conditions govern the use of the MoneyMatch Prepaid Mastercard Card issued by Bayo Pay (M) Sdn Bhd (“Provider”).

By receiving, activating, or using the MoneyMatch Prepaid Mastercard Card in any way, the Customer acknowledges having read, understood, and agree to be bound by these terms.

MoneyMatch reserves the right to amend these Terms and Conditions from time to time without prior notice

Should the Customer have any questions or need clarification on any part of these terms, the Customer may contact the MoneyMatch’s customer service for assistance.

1DEFINITIONS

Account	means the prepaid account assigned to a Customer which linked to the Payment Instruments held by a Customer where (i) funds are store; (ii) payments for purchases of goods and services effected by the use of MoneyMatch Prepaid Mastercard Card by the Customer; and (iii) and all fees and/or charges are debited.
“MBSB Bank Virtual Account Number”	means a virtual account number created by MBSB Bank.
“Authorised Merchant”	means any retail or other person, firm or corporation which pursuant to a merchant agreement, agrees to accept or cause its outlets to accept MoneyMatch Prepaid Mastercard Card when properly presented.
“Bank Fund Transfer”	means the feature to transfer funds from the Account to Customer’s own Current Account or Savings Account (CASA) of a local bank.
“Billers”	means the list of billing services made available in MoneyMatch’s eWallet Mobile App to the Customer for the payment of bills.
“MoneyMatch eWallet Mobile App”	means MoneyMatch’s mobile application running on an application software running on a device where Customer can register and apply for the MoneyMatch Prepaid Mastercard Card, activate, access, set and edit Account.
“MoneyMatch Website”	means this website located at https://moneymatch.co/
“Business Day”	means any day on which banks are open for business in Malaysia.
“Customer”	means the person to whom the MoneyMatch Prepaid Mastercard Card is issued and registered.
“Employer”	means any legal entity or individual who has engaged the Customer under a contract of service or contract for service, and who is responsible for crediting the Customer’s salary or other employment-related payments into the Account.
“MoneyMatch Prepaid Mastercard” or “Payment Instrument”	means payment mode in the form of physical Prepaid Card, Mobile Wallet or online Virtual Prepaid Card issued by the Provider approved by the Central Bank for Malaysia under the name MoneyMatch Prepaid Mastercard Card accompanied with MoneyMatch’s Services governed by these Terms and Conditions.
“Mobile Wallet”	means the digital wallet service provided and maintained by the Provider, accessible through a mobile device, through which Users may store, hold, receive, transfer and use monetary value or funds for the purpose of making payment transactions.
“Mobile Wallet Fund Transfer”	means the feature to transfer funds between the Accounts.
“PIN”	means the Personal Identification Number provided by the Provider to the Customer for the use in conjunction with the MoneyMatch Prepaid Mastercard Card.
“Prepaid Card”	means EMV compliant chip card where the card's monetary value is maintained on the Provider’s system.
“Product”	means any goods or merchandise provided by the Authorised Merchant.
“Provider”	means Bayo Pay (M) Sdn Bhd (Registration Number: 201601020408 (1191346-P)).
“Regulators”	means authorities, agencies, or organisations responsible for overseeing, enforcing, and ensuring compliance with laws, regulations, and industry standards within a specific sector. Regulators may be government bodies, independent regulatory agencies, or self-regulatory organisations that set guidelines to maintain order, protect consumers, and ensure fair practices.
“Reload”	means the transaction of adding monetary value to the Account.
“Service”	means all services provided in connection with the MoneyMatch Prepaid Mastercard, including fund storage, transaction processing, and any related account management or support services.
“Stored Value”	means amount in the Account that is available for Transactions using the MoneyMatch Prepaid Mastercard Card.
“Stored Value Currency”	means currency in Ringgit Malaysia (RM).
“Virtual Prepaid Card”	means online payment option which is accepted online via MoneyMatch’s eWallet Mobile App and its monetary value is maintained on the Provider’s system.

2Disclosure Of Programme Structure

2.1The MoneyMatch Prepaid Mastercard Card is distributed by MoneyMatch Sdn Bhd as a white-label product. The MoneyMatch Prepaid Mastercard Card is issued, and maintained by the Provider, which holds the relevant regulatory approvals from the Central Bank for Malaysia to issue e-money instruments.

2.2MoneyMatch acts as the distributor of the MoneyMatch Prepaid Mastercard Card and is responsible for the distribution and marketing of the MoneyMatch Prepaid Mastercard Card to Customers. Certain backend services, including account maintenance, transaction processing and regulatory compliance of the MoneyMatch Prepaid Mastercard Card, are performed by the Provider as the licensed issuer.

2.3By applying for and/or using the MoneyMatch Prepaid Mastercard Card, the Customer acknowledges and consents to the arrangement described in this Clause.

3Registration, Eligibility And Issuance

3.1Registration for an Account may be done online through MoneyMatch’s Mobile App.

3.2Customers who are interested in obtaining the MoneyMatch Prepaid Mastercard Card may refer to MoneyMatch Website for further information on the card and the application process.

3.3To register for the MoneyMatch Prepaid Mastercard Card, the Customer must be at least eighteen (18) years of age. Anyone below eighteen (18) years old may still register subject to their parent’s or legal guardian’s written consent to the application for the MoneyMatch Prepaid Mastercard Card.

3.5The Customer is required to provide true, correct and complete personal details. MoneyMatch shall not be liable for any implication that may arise as a result of any mistake or erroneous information in the Customer’s application details.

3.6MoneyMatch adheres to the Personal Data Protection Act 2010, ensuring that customer data is stored securely and not shared without consent, except as required by law.

3.7The use of this Services is governed by MoneyMatch’s Privacy Policy and the Provider’s Privacy Policy. Customers are encouraged to review the Privacy Policies, which explain how personal data is collected, used, and protected. By using the Services, the Customer acknowledges having read, understood, and agreed to be bound by both these Terms & Conditions and the Privacy Policy.

3.8In the event MoneyMatch finds that the Customer has created a forged application or used forged data in the Customer’s application for the MoneyMatch Prepaid Mastercard Card, MoneyMatch shall, through the Provider, at any time be entitled to immediately block, cancel or terminate the Customer’s application or the Customer’s MoneyMatch Prepaid Mastercard Card (as the case may be) without any prior notice to Customer and the Provider shall be entitled to retain any balances of funds in the Customer’s Account. MoneyMatch and the Provider shall not be held liable for any loss or damage suffered by the Customer for the same. MoneyMatch and the Provider shall further be entitled to take any action against the Customer as may be deemed necessary or as may be required under governing laws or by the relevant governing authorities.

3.9The Provider reserves the right to refuse and reject any application for the MoneyMatch Prepaid Mastercard Card and/or to decline to issue a MoneyMatch Prepaid Mastercard Card at Provider’s sole and absolute discretion without assigning any reasons whatsoever, and Provider’s decision shall be final and conclusive.

3.10One Customer is allowed to have multiple Accounts which may consist of Prepaid Card, Mobile Wallet and Virtual Prepaid Card. Ownership of these Accounts are not transferable.

4Use Of The Moneymatch Prepaid Mastercard Card

4.1The MoneyMatch Prepaid Mastercard Card shall at all times remain the property of MoneyMatch and the Provider and the Customer shall not transfer the MoneyMatch Prepaid Mastercard Card to any other person without the approval of MoneyMatch and the Provider in writing. MoneyMatch may also impose such terms and conditions as MoneyMatch deems fit at its absolute discretion.

4.3MoneyMatch is under no obligation to replace or compensate the Customer for lost, stolen, damaged, faulty, tampered Prepaid Card and/or unauthorised Reload.

4.4MoneyMatch shall not be liable for any act, refusal and/or omission by any Authorised Merchants to accept the MoneyMatch Prepaid Mastercard Card nor shall MoneyMatch be liable for any defect or deficiency in any of the Services provided by any Authorised Merchant.

4.6MoneyMatch shall at its sole discretion cancel, cease or suspend the Services or MoneyMatch Prepaid Mastercard Card with reasonable notice prior or pursuant to any activities in respect of the upgrading, modification and/or maintenance of the Service or MoneyMatch Prepaid Mastercard Card.

4.7The Customer acknowledges that the Authorised Merchants shall at all times be liable and responsible for all goods and services sold/provided to the Customer. By receiving the Authorised Merchants’ goods and services, the Customer agrees to abide by the terms and conditions applicable to the goods and/or services offered by the Authorised Merchant to the Customer.

4.8The Customer must ensure that there are sufficient funds in the Account to pay for each Transaction including the applicable fees and charges imposed for the Transaction (if any). If the Stored Value balance is insufficient, the Transaction will be declined.

4.9Preauthorisation hold is a process where the Provider’s system automatically withholds a preauthorisation amount from the Stored Value. It may apply to petrol kiosks, hotels, cruise and car rental. This preauthorised amount shall be released once MoneyMatch receives claim on actual amount from the acquiring bank.

4.10The maximum Stored Value in an Account is Ringgit Malaysia Ten Thousand (RM10,000.00) only or any amount may be determined by MoneyMatch.

5Fees And Charges

6Overseas Transactions And Foreign Charges

6.1The Customer may use the MoneyMatch Prepaid Mastercard Card at Authorised Merchants outside Malaysia.

6.2Any Transaction performed otherwise than in the Stored Value Currency shall be converted into the Stored Value Currency at such exchange rate as may be determined by the Provider at its sole discretion. A conversion fee which shall be determined by the Provider from time to time will be added to the converted amount.

6.3The Customer shall authorise the Provider to take such step to comply with the relevant Exchange Control Regulation issued by Bank Negara Malaysia in respect of any overseas Transactions.

7Card Activation

7.1The Customer must first activate MoneyMatch Prepaid Mastercard Card before its usage or Reload into the Prepaid Card. Activation or Reload can be done via MoneyMatch’s Mobile Wallet App.

7.2To activate MoneyMatch Prepaid Mastercard Card, the Customer must register as a user of MoneyMatch Mobile Wallet. Once registration is successful, user may activate the card by creating a PIN and perform Reload onto the MoneyMatch Prepaid Mastercard Card.

7.3The Customer is advised to change the PIN regularly in MoneyMatch’s Mobile Wallet App.

8Termination Of Moneymatch Prepaid Mastercard Card/Account

8.1The Provider reserves the right, at its sole and absolute discretion, to invalidate, cancel and/or terminate the MoneyMatch Prepaid Mastercard Card and/or Account, or to suspend and/or restrict the usage of the MoneyMatch Prepaid Mastercard Card at any given time, without having to give notice or assign any reason whatsoever to the Customer, with immediate effect from the date of notice of termination.

8.2The Customer hereby agrees to release MoneyMatch from any liability and to indemnify MoneyMatch and hold it harmless against any claims or demands whatsoever arising directly or indirectly from the suspension of, withdrawal of or refusal to effect any Transaction on MoneyMatch Prepaid Mastercard Card including any purported claim for defamation or any losses whatsoever.

8.3Upon the termination of the MoneyMatch Prepaid Mastercard Card and/or Account, all monies owing to the Provider under the MoneyMatch Prepaid Mastercard Card and/or Account shall become payable immediately.

8.4The Customer may terminate or cancel the Account by giving notice to MoneyMatch or the Provider. Upon termination, all outstanding monies due under the Account and any deficiency in Stored Value shall be deemed as monies owing to MoneyMatch by the Customer and shall become payable immediately. If the Customer fails to settle in full, MoneyMatch may proceed to take any actions deemed necessary at its sole discretion to recover the monies owed.

8.5All the Stored Value balance in the Account will be refunded to Customer (less any applicable fees and charges) within fourteen (14) calendar days from the date of termination or cancellation of the Account. The refund shall be paid to Customer via cheque or by crediting it to Customer’s account maintained with a local bank (only if the bank account provided).

9Loss Or Theft Of Payment Instrument

9.2The Provider is only able to deactivate the MoneyMatch Prepaid Mastercard Card upon receipt of proper notice of loss or theft. MoneyMatch or the Provider will not be liable for any losses, damages and unauthorised transactions where the Customer fails to properly notify MoneyMatch or the Provider of the loss or theft.

9.3As a matter of prudence, MoneyMatch advises the Customer to lodge a police report immediately to substantiate the Customer’s claim of loss or theft of MoneyMatch Prepaid Mastercard Card. MoneyMatch may at own discretion basis ask the Customer for a copy of the police report confirming the incident. MoneyMatch shall not be responsible or be held liable for any disputes or losses suffered by the Customer in relation to any transactions incurred from unauthorised usage of the MoneyMatch Prepaid Mastercard Card, if the Customer is unable to provide copy of police report when requested by MoneyMatch.

9.4The Customer shall be and remains liable for all transactions incurred from unauthorised usage of the MoneyMatch Prepaid Mastercard Card, where investigations made by MoneyMatch or the police reveals that the Customer is a party in the procurement of any merchandise or services from the merchants effected through the use of the MoneyMatch Prepaid Mastercard Card by the use of any unauthorised person. The Customer shall be liable for such unauthorised transaction before MoneyMatch receives written notification of the loss or theft.

9.5Upon the loss or theft of the Customer’s MoneyMatch Prepaid Mastercard Card or upon discovery that unauthorised person or persons have acquired knowledge of the PIN or use of the Customer’s MoneyMatch Prepaid Mastercard Card not authorised by the Customer, the Customer may request MoneyMatch to issue a replacement MoneyMatch Prepaid Mastercard Card and MoneyMatch shall have the right at its own sole discretion to accept or to refuse such request without having to assign any reason whatsoever. MoneyMatch is under no obligation to issue a replacement MoneyMatch Prepaid Mastercard Card automatically following its loss or theft.

10Reload Service / Maximum Stored Value / Debit Balance

10.1The maximum Stored Value that the Customer may reload to the Account is Ringgit Malaysia Ten Thousand Only (RM10,000.00) or any amount as may be determined by MoneyMatch.

10.3All reloads shall not be considered to have been made until all relevant funds have been received and processed as good value by MoneyMatch. Reloading of additional monies to the Account may be delayed. Consequently, the monies transferred will not be available for Customer’s usage and MoneyMatch shall not be held responsible for any delay in transferring the monies to the Account.

10.4MoneyMatch shall not be liable or responsible for any cost, lost, or damages (whether direct or indirect), or for loss of revenue, loss of profits or any consequential loss whatsoever as a result of delay in reloads.

10.5The Customer shall not reload more than the maximum Stored Value and it is the Customer’s responsibility to ensure this. If reloading the amount exceeds the maximum Stored Value of the Account, the reload shall be refunded. MoneyMatch shall not be held responsible when the reload is not successful.

11Mbsb Bank Virtual Account Number

11.1The MBSB Bank Virtual Account Number is a channel where Customer is able to reload their Account through online or offline bank transfer.

11.2The MBSB Bank Virtual Account Number will be provided by MoneyMatch to the Customer after the Customer has registered for MoneyMatch Prepaid Mastercard Card and has been approved by MoneyMatch. Customer can view their MBSB Bank Virtual Account Number in their MoneyMatch’s Mobile App.

11.3In addition and without prejudice to any right or remedy which MoneyMatch may have (at law or otherwise), as long as MoneyMatch acts in good faith in providing the MBSB Bank Virtual Account, MoneyMatch shall not be liable to the Customer in respect of any and all liabilities, losses (including indirect and consequential losses), damages, costs, charges and expenses of whatsoever nature or however arising, including legal fees whatsoever suffered by the Customer in relation to the MBSB Bank Virtual Account Number unless directly caused by MoneyMatch’s gross negligence, default or fraud.

11.4Funds shall be disbursed into Customer’s Account according to the scheduled intervals posted on MoneyMatch’s Website. It is MoneyMatch’s sole discretion to determine the scheduled intervals, and it may be updated from time to time. MoneyMatch shall not be liable if there is any delay to the disbursement of funds due to whatsoever reasons.

12Mobile Wallet Fund Transfer

12.1Both the sender and recipient of the funds transfer must each have an Account.

12.2It is the responsibility of the Customer to ensure the accuracy of the information provided for each funds transfer, including the email address or telephone number as well as Account number of the recipient and the amount to be transferred.

13Bank Fund Transfer

13.1It is the responsibility of the Customer to ensure the accuracy of the information provided for each Bank Fund Transfer, including the beneficiary’s bank name and bank account number as well as the amount to be transferred.

13.2The Customer acknowledges and agrees that MoneyMatch shall have no duty to and shall not be required to take any steps to verify and seek any other confirmation from any party as to whether such beneficiary is the intended beneficiary, and MoneyMatch shall not be liable for transferring the funds to the beneficiary’s bank account number provided by the Customer even if the beneficiary is not the intended beneficiary.

13.3Once the Bank Fund Transfer has been confirmed and it is successful, it will be deemed irrevocable and the Customer will not be able to cancel, stop or perform any changes to that transaction.

13.4MoneyMatch shall not be liable If there is any delay to the Bank Fund Transfer due to whatsoever reasons.

14Remittance And Currency Exchange Services

14.1A Customer may remit funds in the MoneyMatch Prepaid Mastercard Card to recipient residing outside Malaysia .

14.2A remittance fee shall be applicable (at such rate to be determined by MoneyMatch from time to time on any remittance transaction and will be charged to the Customer by MoneyMatch.

14.3It is the responsibility of the Customer to ensure the accuracy of the information provided for each remittance.

14.4MoneyMatch reserves the right to reject any remittance transaction at MoneyMatch’s sole discretion without assigning any reasons whatsoever, and MoneyMatch’s decision shall be final and conclusive.

14.5If there is any delay in the transfer of funds due to whatsoever reasons, the Customer shall not hold MoneyMatch liable for the delay.

14.6In the event of an unsuccessful remittance transaction, MoneyMatch shall notify the Customer of the same and refund the amount into the Account free from any interest less any bank charges or unfavourable exchange rate losses incurred by MoneyMatch within fourteen (14) working days from the date of occurrence of unsuccessful remittance transaction. MoneyMatch shall not be liable for any loss, damages, costs, expenses, fines, penalties, demands, o r claims or any nature whatsoever that may be suffered by the Customer as a result of or arising from any unsuccessful transfer or delayed transfer.

14.7Any dispute raised by the Customer for a remittance transaction shall be treated as per Clause 20 of these Terms and Conditions.

14.8The Customer shall be bound by the Terms and Conditions set by MoneyMatch and shall authorise MoneyMatch to take such step s to comply with the relevant regulations and/or guidelines issued by the relevant regulatory bodies.

14.9All remittance transactions are undertaken by MoneyMatch and are subjected to the Terms and Conditions.

14.10These terms of use are governed by the laws of Malaysia. The Customer agrees that the Courts of Malaysia have jurisdiction over all matters arising from these terms of use.

15Bill Payment

15.1MoneyMatch may at any time and from time to time, without prior notice and at its absolute discretion, withdraw any of the Billers from its list or amend its list of Billers without assigning any reason thereof and the Customer agrees that MoneyMatch shall not be liable for any loss or damage which the Customer may suffer as a result of the MoneyMatch’s actions.

15.2The bill payment service shall be used only for the purpose of settling bills to billers as may be determined by MoneyMatch from time to time. The customer shall abide by the procedures, requirements and terms of each biller in respect of settling their respective bills.

15.3It is the responsibility of the Customer to ensure the accuracy of the information provided about each bill payment, including the bill payee, bill account number and the amount of the transaction.

15.4The Customer agrees that, by scheduling a payment, the Customer authorises MoneyMatch, the biller to which the payment is scheduled and their respective agents, to initiate debit entries into the Customer’s Account in such amount as is necessary to pay the biller's bill, and to initiate any debit or credit entries to the Customer’s Account necessary to correct any error in a payment. This authorisation shall remain in full force and effect until MoneyMatch has received notice from the Customer of the termination of such authorisation.

15.5MoneyMatch shall not be under any duty to ensure punctual payments of bills by the Customer and neither shall MoneyMatch be under any duty to monitor payment of bills or to notify any person of the late payment for any bills.

15.6MoneyMatch is not responsible to assist in resolving any dispute Customer might have with any biller and Customer is to resolve any dispute directly with the relevant biller.

15.7Payments are limited to domestic (Malaysia) billers and must be made in Ringgit Malaysia. Other limitations on payments through the Service may be incorporated within terms and conditions.

16Customer’S Obligations

17Replacement Of Moneymatch Prepaid Mastercard Card

17.1In the event the MoneyMatch Prepaid Mastercard Card is damaged, the Customer must return the damaged MoneyMatch Prepaid Mastercard Card to MoneyMatch and follow prescribed procedures to obtain a new MoneyMatch Prepaid Mastercard Card.

17.2MoneyMatch reserves the right to charge a reasonable fee for the replacement MoneyMatch Prepaid Mastercard Card.

17.3If MoneyMatch approves the Customer’s request for a replacement of MoneyMatch Prepaid Mastercard Card, and upon proper verification, MoneyMatch will issue a new MoneyMatch Prepaid Mastercard Card to the Customer with a new card number within 14 business days from the date of approval and verification, or such other period as may be notified to the Customer.

17.4The balance of funds (less applicable fees and charges) from the Customer’s previous loss, stolen or blocked MoneyMatch Prepaid Mastercard Card and/or Account will be transferred to the Customer’s new Account accordingly.

17.5If MoneyMatch does not issue to the Customer a replacement MoneyMatch Prepaid Mastercard Card, the balance in the Account of the Customer’s lost or stolen MoneyMatch Prepaid Mastercard Card (less any applicable fees and charges) will be refunded to the Customer by depositing it into the Customer’s bank account (provided that the Customer has given MoneyMatch his/her banking account details) or in any other manner in accordance with MoneyMatch’s internal policies.

18Inactivity

18.1Where there is no activity for a consecutive twelve (12) months with any Payment Instrument, the MoneyMatch Prepaid Mastercard Card/ Account shall be deemed as dormant. MoneyMatch reserves the right to terminate the dormant Account.

18.2In the event the dormant MoneyMatch Prepaid Mastercard Card/ Account has balance after the seven (7) year period, MoneyMatch shall terminate the dormant Account and thereafter the balance shall be transferred to Registrar of Unclaimed Money in accordance with Unclaimed Moneys Act 1965.

18.3Prior to termination of the dormant Account, the Customer may submit a request for a refund on the balance (less the applicable fees and charges) remaining in the Account.

19Expired Card

19.1The MoneyMatch Prepaid Mastercard Card is valid for 5 years or a date determined by MoneyMatch from time to time at its sole discretion.

19.2Once the MoneyMatch Prepaid Mastercard Card expires, the Customer may encounter usage failure.

19.3Upon expiry of the MoneyMatch Prepaid Mastercard Card, it shall be renewed, Customer may request the Provider or MoneyMatch to renew the card. The renewal of a new MoneyMatch Prepaid Mastercard Card upon the expiry period shall be at MoneyMatch’s sole and absolute discretion.

19.4The Customer must notify MoneyMatch if the new MoneyMatch Prepaid Mastercard Card is not received within 14 business days from the date of renewal.

20Refund And Cancellation

20.2MoneyMatch may request the Customer to provide supporting documents for the abovesaid refunds.

20.3For cancellation of a purchase order, the Customer can either call the Authorised Merchant or visit the Authorised Merchant’s stores to request for a refund directly from the Authorised Merchant. MoneyMatch shall only refund the Customer when the Authorised Merchant had initiated the valid refund procedures.

21Transaction Disputes

21.1The Customer must inform MoneyMatch of any disputes within fourteen (14) business days from date of transaction or date of payment sent. MoneyMatch is not obligated to entertain any dispute filed after this time frame.

21.2MoneyMatch will follow up within seven (7) business days to request for supporting document from the Customer.

21.3When requested, the Customer is given up to seven (7) business days to produce the receipt and other supporting documents.

21.4In the event where the Customer disputes a transaction, MoneyMatch reserves the right to review the situation and communicate with the Authorised Merchants and/or Remittance Company to propose a solution and appropriate actions.

21.5In the event the investigations and verifications conducted by MoneyMatch reveal that the disputed transaction(s) were accurate, genuine and properly authorised by the Customer, the Customer shall then be liable for all the disputed transaction(s).

21.6MoneyMatch will resolve the dispute within sixty (60) business days from date of the dispute being filed. However, for complex dispute cases that cannot be completed within the stated duration, MoneyMatch shall notify the Customer the delay and the reason for such delay.

22Exclusion Of Liability

23Indemnity

24Protection Of Personal Information

24.1MoneyMatch has to obtain personal information of the Customer in order to provide the Products and Services to the Customer.

24.2MoneyMatch will not sell or rent personal information to third parties without the consent of the Customer.

24.3MoneyMatch will erase the Customer’s personal data which are no longer necessary for the fulfilment of the purposes for which they are to be used.

24.4The Customer also has the right to ask MoneyMatch to correct personal data which is considered inaccurate by writing/ calling MoneyMatch.

25Consent To Disclosure Of Information

25.1The Customer hereby warrants and undertakes that all personal information provided by the Customer to MoneyMatch is true, accurate and complete.

25.2The Customer hereby irrevocably authorises and consents to MoneyMatch disclosure of any information or document relating to the Customer’s MoneyMatch Prepaid Mastercard Cards, Accounts, other particulars or affairs (financial or otherwise) or such other information as MoneyMatch may at MoneyMatch’s sole and absolute discretion deem fit to Bank Negara Malaysia and any other relevant authority having jurisdiction over MoneyMatch and/or the authorised Merchant or related corporations and associates, and to such other party whomsoever and for such purposes as MoneyMatch may at MoneyMatch sole and absolute discretion, deem fit.

25.3The Customer acknowledges and agrees that in order for MoneyMatch to provide the Services and/or privileges of the MoneyMatch Prepaid Mastercard Card, the sharing, retrieval, updating and processing of the Customer personal data will occur between MoneyMatch Prepaid Mastercard Cards, MoneyMatch’s affiliates and any third party in connection with the provision of the MoneyMatch Prepaid Mastercard Card and the Customer have consented to the same.

25.4The Customer agrees that where the Customer’s written permission is required by law or otherwise for any disclosure by MoneyMatch and any of MoneyMatch officers, employees, contractors or service providers, the signing of the MoneyMatch Prepaid Mastercard Card registration form and/or the signing of the MoneyMatch Prepaid Mastercard Card and/or usage of the MoneyMatch Prepaid Mastercard Card shall constitute and be deemed to be sufficient written permission for such disclosure.

25.5By agreeing to these Terms and Conditions, the Customer consents to the disclosure and/or sharing of their data including but not limited to their Account number or MBSB Bank Virtual Account Number with any Regulator or its affiliated agency(ies) for the purpose of complying with applicable laws.

25.6By agreeing to these Terms and Conditions, the Customer also consents to the disclosure and/or sharing of their MBSB Bank Virtual Account Number to their Employer for the purpose of facilitating salary crediting or other employment-related payments into their Account.

25.7The Customer undertakes to hold MoneyMatch harmless and keeps MoneyMatch fully indemnified from and against all claims, losses, damages (including direct or indirect damages) or liability whatsoever and howsoever arising out of such disclosure of information by MoneyMatch or any error, inaccuracy or misstatement of such information whether caused by MoneyMatch or due to system or technical default or failure or otherwise.

26Checking Transaction Records

26.1The transaction history (“Customer Account Statement”) comprising of a statement detailing the Customer’s account transaction, fees & charges, total account balance and all other important information shall be available online under Account profile on the MoneyMatch’s Mobile App.

26.3A hardcopy of the Transaction history is available upon request via MoneyMatch eWallet Mobile App or call to Customer Service. All issuance of hardcopies is subject to service charges determined by MoneyMatch.

27Online Use Policy

27.1Links to third-party websites or information are provided for the Customer convenience only. If the Customer uses these links, the Customer will leave this MoneyMatch’s Website and will be subjected to the terms contained on any such third-party website. MoneyMatch is not responsible for the availability of any such third-party websites. MoneyMatch has not been reviewed, is not responsible for, and accepts no liability in respect of, any information or opinion contained on any such third-party websites.

27.2MoneyMatch web servers are protected by appropriate firewalls which will be kept up to date. However, as the security of ordinary email cannot be guaranteed, the Customer should not send to MoneyMatch any email containing any personal data.

27.3Due to the nature of the Internet, transactions conducted or email messages sent through this MoneyMatch’s Website may be subject to interruption, transmission blackout, delayed transmission or incorrect data transmission. Under no circumstances shall MoneyMatch be held liable for any failure in the communication networks, or the accuracy or timeliness of messages and transactions sent via MoneyMatch’s website whatsoever.

27.4MoneyMatch web servers may also collect data relating to Customer’s online session including the Customer’s IP address and/or domain name, the use of which is to provide aggregated, anonymous, statistical information on the server's usage so that MoneyMatch may better meet the demands and expectations of browsers to MoneyMatch’s Website.

27.5MoneyMatch uses cookies to identify a computer, and it often includes an anonymous unique identifier. Cookies are small bits of information that are automatically stored on a person's web browser in their computer that can be retrieved by MoneyMatch’s Website. The information collected by cookies is anonymous aggregated research data and contains no name or address information or any information that will enable anyone to contact the Customer via telephone, email or any other means. Most browsers are initially set to accept cookies. If the Customer would so prefer, the Customer can set their browser to disable cookies. However, by disabling them, the Customer may not be able to take full advantage of MoneyMatch’s Website, including online services.

28Trademarks, Logos And The Copyright

28.1The trademarks, logos and the copyright of the content or information on this MoneyMatch’s Website are owned by the MoneyMatch or other service providers authorising their use on this MoneyMatch’s Website. These may not be used without the written permission of MoneyMatch or the relevant intellectual property rights owner.

28.2No part of this MoneyMatch’s Website may be modified, reproduced, stored in a retrieval system, transmitted, copied, distributed, or used in any other way or for any purpose without MoneyMatch’s prior written consent.

29Change In The Agreement

29.1MoneyMatch may at its absolute discretion amend, vary or delete any provision of the Terms and Conditions from time to time. The Customer shall be notified of any amendments to these Terms and Conditions by MoneyMatch at least 21 days prior.

29.2The Customer’s continued use of the MoneyMatch Prepaid Mastercard Card, Account and/or related services on or after the date on which any amendments, variations and/or supplements come into effect shall be construed as the Customer’s agreement to be bound by the amended Terms and Conditions.

30Notice

31Severability Of Provisions

If any of the provision of these Terms and Conditions becomes or determined to be invalid, illegal or unenforceable in any respect under any law, the validity, legality and enforceability of the remaining provisions shall not in any way be affected, and all other provisions of these Terms and Conditions will still be valid and enforceable.

32Governing Laws And Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia. The Customer consent and agree to submit to the exclusive jurisdiction of the Courts of Malaysia concerning all matters arising out of or in connection with the use of the Card under these Terms and Conditions.

33Miscellaneous

33.1Failure or delay by MoneyMatch to exercise any right, power or privilege shall not affect the Customer’s liability to MoneyMatch nor shall any single or partial exercise of any right, power or privilege prevent MoneyMatch from further exercising its right, power or privilege contained in these Terms and Conditions.

33.2The obligations of the Customer shall be binding on the Customer’s legal representatives or successors in title.

33.3In the event there is any uncertainty from these Terms and Conditions, such uncertainty shall be resolved by MoneyMatch. MoneyMatch’s decision of the meaning of any provision and where applicable, MoneyMatch’s choice of the appropriate provision to be applied to a particular situation shall be final and binding on the Customer.

33.4MoneyMatch may at any time combine any or all of the Customer’s Accounts with MoneyMatch and/or set-off or transfer any sum standing to the credit of such accounts towards payment of all monies due.

34Force Majeure

34.1Without limiting the generality of any provision in these Terms and Conditions, MoneyMatch shall not be liable for any failure to perform its obligations herein caused by any act of God, insurrection or civil disorder, military operations or act of terrorism, all national and local emergency, act or omission of government, or any competent authority including but not limited to labor trouble or industrial disputes of any kind, fire, lightning, subsidence, explosion, floods, acts or omission of persons or bodies, pandemic (including but not limited to Covid-19 pandemic), outbreaks or any such breach, delay or failure arising from such pandemic or outbreak for whom MoneyMatch has no control over or any cause outside MoneyMatch’s reasonable control.

34.2The service may occasionally be affected by interference caused by objects beyond MoneyMatch’s control such as buildings, underpasses and weather conditions, electromagnetic interference, equipment failure or congestion in Mobile Payment System. In the event of such interference, MoneyMatch shall not be responsible for any inability to use or access the service, interruption or disruption of the service.