CashNow Terms & Conditions

 

PLEASE READ THESE TERMS (AS DEFINED BELOW) CAREFULLY BEFORE USING THE CASHNOW MOBILE APPLICATION (AS DEFINED BELOW). IF IN DOUBT, PLEASE SEEK PROFESSIONAL ADVICE. SLIDESG PTE LTD (SLIDE”) IS THE HOLDER OF THE SLIDE WALLET AND THE OWNER OF THE CASHNOW MOBILE APPLICATION. BY USING CASHNOW IN ANY WAY, YOU CONFIRM AND AGREE THAT THESE TERMS FORM A LEGALLY BINDING AGREEMENT BETWEEN YOU AND SLIDE. IF YOU DO NOT ACCEPT THESE TERMS (OR ANY PART THEREOF), PLEASE DO NOT USE CASHNOW AND DO NOT APPLY FOR OR USE ANY OF THE PRODUCTS AND SERVICES OFFERED OR PROVIDED ON OR VIA THE CASHNOW MOBILE APPLICATION. IN THE EVENT OF A CONFLICT OR INCONSISTENCY BETWEEN THESE TERMS AND ANY OTHER TERMS AND CONDITIONS BETWEEN YOU AND SLIDE IN RELATION TO THE SUBJECT MATTER OF THESE TERMS, THE PROVISIONS OF THESE TERMS SHALL PREVAIL TO THE EXTENT OF SUCH CONFLICT OR INCONSISTENCY.

1. Definitions and Interpretation

1.1. In these Terms, the following words and expressions shall have the following meanings:

1.1.1. “Account ID” means a unique personal identification number, which is created when you sign up for the CashNow Application.

1.1.2. “Additional Services” means the products and services offered, provided and made available by any person other than SLIDE (including IAPPS or any other IAPPS subsidiary and any third party), and P2P Services, which may be effected or obtained by you through the use of the CashNow Application from time to time, where your ability to access and use your SLIDE Wallet to effect or obtain any of such products and services is dependent on your entry into and compliance with a separate agreement relating to such Additional Service with the person offering, providing and making available such product or service, and shall include, without limitation:

1. Remittance Services;
2. Banking services; and

iii. Payment services.

1.1.3. “AML” means anti-money laundering.

1.1.4. “Appstore” means an online digital media and/or application store, and includes Apple Inc.’s

iTunes Store and Google Inc.’s Google Play store.

1.1.5. “Base Services” means the products and services offered, provided and made available by SLIDE in accordance with these Terms, excluding Additional Services, which may be effected or obtained by you through the use of the CashNow Application from time to time as long as you have in force a valid SLIDE Balance and your access to and use of the CashNow Application have not been suspended or terminated for any reason whatsoever, including, where applicable:

1. the Top-Up Services;
2. the Payment Services;

iii. the Rewards Services;

1.1.6. “CashNow Application” means the application(s) for mobile devices (available for download from an Appstore) offered, operated and maintained by or on behalf of SLIDE from Singapore, whether jointly with any other banks or persons or otherwise, through which certain products, services and functionalities, as IAPPS may determine from time to time at its sole and absolute discretion, are offered and may be accessed and used, and shall include any derivation or upgrade of such applications as may be made available by SLIDE, whether jointly with any other banks or persons or otherwise, from time to time.

 

1.1.7. “Customer Information” means all information which you provide or which is obtained as a result of or in connection with these Terms and/or your access to and/or use of the CashNow Application, any CashNow Service and/or any CashNow Content, including information you provide in submitting your request to register for a SLIDE’ Balance, information which relates to a transaction, information which identifies or which relates to an individual, whether true or not, and information collected, used and/or disclosed as described in the IAPPS Data Protection Policy.

1.1.8. “Force Majeure Event” means any event or circumstances the occurrence and the effect of which SLIDE is unable to prevent and avoid notwithstanding the exercise of reasonable foresight, diligence and care on the part of SLIDE.

1.1.9. “IAPPS” means IAPPS Pte Ltd (UEN: 201218376W) and its successors.

1.1.10. “IAPPS Subsidiary” means any related corporation including SLIDESG (as defined in the Companies Act (Cap. 50)).

1.1.11. “IAPPS Data Protection Policy” means the current version of the data protection policy available at http://slide.sg/dataprotection or such other Internet website as may be maintained in respect of such policy.

1.1.12. “Indemnified Parties” means SLIDE ,IAPPS, the other IAPPS subsidiaries and each of their respective directors, officers, employees, suppliers, vendors, licensors, agents and representatives.

1.1.13. “Intellectual Property Rights” means patents, trademarks, service marks, trade names, domain names, rights in designs, semiconductor topography rights, database rights of unfair extraction and reutilisation, copyrights (including rights in computer software), rights in know-how and other intellectual or industrial property rights (whether registered or unregistered and including applications for the registration of any of the foregoing) and all rights or forms of protection having equivalent or similar effect to any of the foregoing which may subsist anywhere in the world.

1.1.14. “Losses” means all losses, liabilities, costs, damages (including damages arising from cyber-attacks), claims, expenses (including legal fees, costs and expenses on a full indemnity basis), compensation, demands, actions and proceedings, howsoever arising, whether in contract, tort (including negligence or breach of statutory duty) or otherwise, and whether direct, indirect or consequential.

1.1.15. “P2P Services” means peer-to-peer payment and transfer services between natural persons, regardless whether such services are support or facilitated by SLIDE or otherwise, which services shall be applicable and available only to persons who have registered for such relevant Additional Services as SLIDE may determine from time to time, and subject always to the terms of the separate agreements relating to such Additional Services with the persons offering, providing and making available such Additional Services.

1.1.16. “Password” means the code generated by the CashNow Application server and subsequently

may or may not be changed by the user.

1.1.17. “Payment Amount” means, in respect of a Payment Transaction, the amount as specified or confirmed in the relevant Payment Transaction Request as the amount to be paid to the relevant Payment Beneficiary, or deemed to be the “Payment Amount” for such Payment Transaction pursuant to Clause 7.3.

1.1.18. “Payment Beneficiary” means a Payment Merchant who is designated by you to receive

payment via a Payment Service.

1.1.19. “Payment Merchant” means a merchant entity to which SLIDE provides a mobile payment system to accept payment for product(s) or service(s) effected through the CashNow Application.

1.1.20. “Payment Services” means such payment-related services as the relevant Payment Service

Providers may from time to time offer, provide or make available, and which may be effected or obtained through the use of the CashNow Application, pursuant to which payments may be made via such payment instruments, technologies and/or methods as may be determined by SLIDE from time to time, including:

1. payments to Payment Merchants for product(s) and service(s) offered and/or provided by

or on behalf of such Payment Merchants;

1. top-up of pre-paid phone and data cards offered by a Payment Service Provider, where

applicable;

iii. such other services as may be set out in the CashNow Website from time to time.

For the avoidance of doubt, Payment Services shall not include payments to natural persons other than payments to Payment Merchants for product(s) and service(s) offered and/or provided by or on behalf of such Payment Merchants as provided herein.

1.1.21. “Payment Service Providers” means SLIDE subsidiaries and such other third-party service provider as may be set out in the CashNow Website from time to time, and “Payment Service Provider” means any one of them.

1.1.22. “Payment Service Terms” means terms and conditions relating to the use of the Payment Services as provided by the respective Payment Service Providers, including any amendments thereto that the respective Payment Service Providers may make from time to time in their discretion.

1.1.23. “Payment Transaction” means a payment transaction performed in fulfilment of a Payment

Transaction Request.

1.1.24. “Payment Transaction Request” means a request made to SLIDE to make payment to a

Payment Beneficiary.

1.1.25. “Remittance Services” means the cross-border remittance service provided by SLIDE that enables a Customer to remit funds to the Customer’s designated beneficiaries in the territories of Indonesia, Malaysia, Philippines, Bangladesh, India, Myanmar, Hong Kong, Taiwan, Cambodia, Laos and UAE in accordance with the Remittance Service Terms.

1.1.26. “Remittance Service Terms” means the General Terms and Conditions for Remittance (Remittance Service) relating to the use of the Remittance Services available at slide.sg/terms

1.1.27. “S$” means the lawful currency of Singapore.

1.1.28. “SLIDE”  means SLIDESG PTE LT.

1.1.29. “SLIDE Wallet” means an account that is offered by SLIDE:

1. through which the holder of such account may, inter alia, effect and obtain SLIDE

Services, subject to these Terms; and

1. for the purposes of containing stored value, which stored value is capable of being used by you to carry out such transactions as SLIDE may from time to time specify (including

those which may be made pursuant to the CashNow Services).

1.1.30. “CashNow Content” means all materials, information, tools, contents, hyperlinks, marks and logos contained in or displayed on, and all software and contents which may be downloaded and/or accessed from or are made available through, the CashNow Application (and/or any access thereto and/or use thereof), including:

1. all features and functionalities for the time being offered and made available on or via the

CashNow Application;

1. all advertisements, promotions and offers (whether from SLIDE/IAPPS, any other IAPPS

subsidiary or any third party);

iii. all material, information, tools, content, hyperlinks, marks and logos relating to third

parties and/or products and/or services owned or provided by third parties;

1. all hypertext links to Third Party Sites; and
2. Third Party Content.

1.1.32. “CashNow Mobile Application” means the mobile application owned by SLIDESG Pte. Ltd

1.1.33 “CashNow Service Provider” means, in respect of a CashNow Service, the person offering, providing and making available such CashNow Service to users of the CashNow Application. A “CashNow Service Provider” may be SLIDE, IAPPS, any IAPPS subsidiary or such other third-party service provider as may be set out in the CashNow Website from time to time.

1.1.34. “CashNow Services” means such products and services as may be effected or obtained through the use of the CashNow Application for the time being as may be set out on the CashNow Website, comprising the Base Services and the Additional Services.

1.1.35. “CashNow Website” means slide.sg, www.IAPPSasia.com or such other Internet website as IAPPS may maintain in respect of CashNow from time to time.

1.1.36. “SMS” means Short Message Service.

1.1.37. “Terms” means these Terms and Conditions, as may be amended from time to time.

1.1.38. “Third Party Content” means all material, information, tools, content and hyperlinks contained in Third Party Sites (whether relating to third parties and/or products and/or services owned or provided by third parties or otherwise).

1.1.39. “Third Party Sites” means websites and/or mobile applications owned, operated or provided

by third parties.

1.1.40. “Top-Up Services” means the services offered, provided and made available by SLIDE

comprising the top-up of SLIDE Wallet and/or pre-paid card(s), as described in Clause 1.8.

1.2. The headings or titles to the Clauses in these Terms are to facilitate reference and shall not be

referred to or relied upon in the construction of any provision of these Terms.

1.3. Where the context so admits, the singular shall include the plural and words in the masculine

gender shall include the feminine gender and/or neuter gender and vice-versa.

1.4. Any reference in these Terms to any Clause shall be construed as a reference to the clauses of

these Terms unless otherwise expressly stated.

1.5. The words “include” or “including” in these Terms shall be deemed to be followed by “without limitation” or “but not limited to” whether or not they are followed by such phrases or words of like import.

1.6. Any reference in these Terms to any person shall be construed as a reference also to such person’s

successors and assigns.

2. SLIDE

2.1. To contact SLIDE in connection with any matter relating to the CashNow Application or any Base Service, you may call SLIDE’s customer hotline at +65 6594 1380. SLIDE may record any telephone conversation with you without notice to you. You hereby agree to such recordings and that such recordings shall be admissible in evidence in any proceedings and shall be binding on you.

2.2. Any determination, decision or opinion that SLIDE may make or have under or as envisaged in any provision in these Terms may be made or held in the sole and absolute discretion of SLIDE (whether or not it is expressly stated as such in the relevant provision). SLIDE shall not be required to provide any reason or explanation for any of its determinations, decisions and opinions. Without prejudice to the foregoing, if SLIDE nevertheless provides any reason or explanation for any of its determinations, decisions or opinions, such reason or explanation shall not be binding on SLIDE, and does not constitute any representation, warranty or undertaking by SLIDE (as to future action or otherwise).

3. Eligibility for CashNow

3.1. You acknowledge and agree that before you are eligible to access and use the CashNow Application (including to effect and obtain any CashNow Service), you are required to satisfy all the criteria set forth in Clause 3.2, as may be amended from time to time by SLIDE in its sole and absolute discretion, and to have successfully passed all identification checks, due diligence and other checks, screenings and verifications (including for anti-fraud, anti-terrorism, CFT and AML purposes) which SLIDE in its sole and absolute discretion considers necessary.

3.2. You acknowledge, agree and warrant that you are, and will at all times be, in compliance with the

following:

3.2.1. you are of legal age of majority to contract (and in any event, no less than 18 years of age)

and are legally capable and permitted to accede to these Terms;

3.2.2. you shall register for and have in force a valid SLIDE Wallet and shall comply with these Terms and all terms and conditions governing the use of CashNow Services, and your access to and use of the CashNow Application have not been suspended or terminated for any reason whatsoever; and

3.2.3. you are not in arrears of any payment due to any SLIDE/IAPPS or any IAPPS Subsidiary.

3.3. In the event any of the criteria in Clause 3.2 has not been satisfied or ceases to be satisfied at any time whatsoever, and/or any provision of these Terms is not complied with, and/or you fail to successfully pass any identification check, due diligence and/or other check, screening and/or verification (including for anti-fraud, anti-terrorism, CFT and AML purposes) which SLIDE in its sole and absolute discretion considers necessary, or if at any time, SLIDE, at its sole and absolute discretion, suspects any fraud in relation to, and/or misuse of your SLIDE Wallet and/or the CashNow Application, SLIDE shall be entitled to suspend or terminate the availability to you of and/or your access to and/or use of your SLIDE Wallet (in whole or in part), the CashNow Application (in whole or in part) and/or any Base Service, and/or procure the suspension or termination of the availability to you of and/or your access to and/or use of any other CashNow Service by the relevant CashNow Service Provider, in each case, without notice to you and without giving any reason.

4. SLIDE Wallet

4.1. You may register for SLIDE Wallet through any one of the following channels by submitting a request in such manner and form and accompanied by such information and supporting documentation as may be required from time to time:

4.1.1. in person at a SLIDE Counter or such other authorised locations as may be determined by

SLIDE from time to time;

4.1.2. in person at roadshows organised by any SLIDE from time to time;

4.1.3. over the Internet through the CashNow Website (when available);

4.1.4. through the CashNow Application;

4.1.5. such other channels as SLIDE may make available from time to time;

4.2. SLIDE retains the sole and absolute discretion to approve or reject any request to register SLIDE Wallet in whole or in part, or to impose any conditions whatsoever to the registration of SLIDE Wallet.

4.3. You may only register for SLIDE Wallet, and access and use the CashNow Application and the CashNow Services, for (and only for) your own behalf and personal use, and not for the benefit or on behalf of any other person (including natural person or legal person). Without prejudice to the foregoing, you shall not assist, cause, permit or authorise any other person (including natural person or legal person) to access or use your SLIDE Wallet to effect or obtain any CashNow Service, including making any payments or carrying out any transactions or other activity pursuant to any CashNow Service.

4.4. Any access or use of your SLIDE Wallet in breach of these Terms or any access or use of your SLIDE Wallet for any purpose which is prohibited by any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body shall be void and you shall have no rights under these Terms in respect of such access and/or use.

4.5. Where the mobile line linked to the mobile number you have provided to SLIDE in order to register for SLIDE Wallet is transferred, suspended or terminated for any reason whatsoever, you shall forthwith notify SLIDE of the same and provide to SLIDE the particulars of a new mobile line to replace such transferred, suspended or terminated mobile line (if any). If you do not provide a new mobile line to replace such transferred, suspended or terminated mobile line, SLIDE shall be entitled to suspend (for such period as SLIDE may in its sole and absolute discretion consider appropriate) or terminate your SLIDE Wallet and/or your access to and/or use of the CashNow Application (in whole or in part), without notice to you. In such event, any e-Wallet for the time being standing to the credit of your SLIDE Wallet shall, for the purposes of these Terms, be deemed to be Unused e-Wallet (as defined in Clause 6.2). Notwithstanding the foregoing, if you shall fail to promptly notify SLIDE of your transferred, suspended or terminated mobile line, as herein required, you shall nevertheless be responsible and liable for all transactions carried out through your SLIDE Wallet using the CashNow Application or such CashNow Service (as the case may be), notwithstanding that such transactions may have been carried out, and/or your Password or such details may have been used by any other person without your knowledge or authority.

4.6. You will need to use your Password and such other details relating to your SLIDE Wallet as SLIDE may from time to time require to access and use the CashNow Application (including to effect or obtain any CashNow Service). You are responsible for safekeeping and maintaining the confidentiality of your Password and all details of your SLIDE Wallet. You must not disclose to any person your Password or any details of your SLIDE Wallet, and shall not assist, cause, permit or authorise any person to use your Password or SLIDE Wallet for any purpose whatsoever. You shall take such measures as may be necessary and all due care to protect your Password and SLIDE Wallet against misuse by third parties.

4.7. You shall promptly notify SLIDE upon discovering that there has been any:

4.7.1. inappropriate or unauthorised disclosure of and/or use of your Password and/or any details

of your SLIDE Wallet; and/or

4.7.2. inappropriate or unauthorised access to and/or use of the CashNow Application and/or any

CashNow Service effected using your Password and/or any details of your SLIDE Wallet, and you shall promptly take such steps as may be specified by SLIDE in relation to the foregoing matters (including to change your Password).

4.8. You are solely responsible and liable for any access to and use of the CashNow Application or any CashNow Service effected through the use of your Password and/or any details of your SLIDE Wallet, notwithstanding that your Password or such details may have been used by any other person without your knowledge or authority.

5. CashNow Application and CashNow Services

5.1. Subject always to these Terms, SLIDE grants you a limited, non-transferable and non-exclusive, revocable, free of charge, personal licence for the period during which (i) you have in force a valid SLIDE Wallet and (ii) your SLIDE Wallet and/or access to and use of the CashNow Application have not been suspended or terminated for any reason whatsoever, to access and use the CashNow Application to effect and obtain CashNow Services, provided that such access and use shall be made in Singapore on a mobile device that you own or control for non-commercial purposes.

5.2. You acknowledge and agree that the access to and use of the CashNow Application and CashNow Services is offered to you on an “as available, where available” basis. SLIDE may, at its sole and absolute discretion, at any time add to, vary or limit the features and/or functions of the CashNow Application, any CashNow Service or any CashNow Content which may be made available to you, and/or provide for, vary, supplement or amend and terms and conditions relating to your use of such the CashNow Application, any CashNow Service or any CashNow Content which may be made available to you without notice to you.

5.3. Any and all access and use by you of the CashNow Application and CashNow Services shall be governed by these Terms, where applicable, and is subject to such other guidelines, procedures, policies and regulations which may be prescribed, introduced, varied and/or amended by any applicable regulatory authority or law enforcement body from time to time.

5.4. Any and all access and use by you of any Additional Service, including P2P Services, shall be dependent on your entry into and compliance with the terms and conditions of a separate agreement relating to such Additional Service with the relevant CashNow Service Provider, and to any and all other applicable terms, conditions and processes as may be introduced, amended and/or implemented by the relevant CashNow Service Provider and/or SLIDE from time to time. Nothing in these Terms amounts to any representation or warranty that you will be able to access and use the CashNow Application to effect or obtain any Additional Service.

5.5. You acknowledge and agree that in order to be use the P2P Services, both the recipient and transferor must be able to mutually identify each other’s name and mobile number via the CashNow Application when the relevant payment/transfer is sought to be made.

5.6. You must (and may only) pursue any claim, dispute or remedy which you may have in relation to a

CashNow Service with the relevant CashNow Service Provider.

5.7. Where the relevant CashNow Service Provider is not SLIDE :

5.7.1. SLIDE’s obligations are limited to taking instructions from you (which instructions shall be in such manner and form and accompanied by such information and supporting documentation as SLIDE may require from time to time) and such CashNow Service Provider and relaying such instructions to you or the CashNow Service Provider, as the case may be, in connection with the relevant CashNow Service. SLIDE shall have no other responsibility in relation to the relevant CashNow Service.

5.7.2. Any instructions given by you to SLIDE in connection with any CashNow Service may not be cancelled, withdrawn or amended unless SLIDE in its sole and absolute discretion consents otherwise. SLIDE shall not bear any liability or responsibility for any and all Losses if SLIDE does not or is unable to stop or prevent the carrying out of the relevant CashNow Service or any transaction as a result of such instructions.

5.8. Notwithstanding any other provision of these Terms, SLIDE shall be entitled, in its discretion, to refuse to carry out and/or complete any request submitted or transaction carried out by you or on your behalf pursuant to any CashNow Service.

6. SLIDE Wallet Services

6.1. You may top-up and add credit to your SLIDE Wallet through the following cash-in points, subject to any terms, conditions and processes as may be introduced, amended and/or implemented by SLIDE from time to time in relation to the same:

1. SLIDE Counters;
2. the CashNow Application, or any other platforms as may be determined by SLIDE from time to

time at its sole discretion; and

iii. such other channels (including participating retail stores and payment kiosks) as may from time to time be offered, provided or made available by SLIDE to you and listed on the CashNow Website; provided that your SLIDE Wallet can only hold, in aggregate, a maximum credit amount of S$999 (or such other amount as SLIDE may determine in its discretion from time to time) at any point in time.

6.2. The balance for the time being standing to the credit of your SLIDE Wallet (“Unused Balance”) is held on trust by SLIDE for you. Save as otherwise expressly provided in this Clause 6.2, no refunds or cash withdrawals may be made from your SLIDE Wallet:

6.2.1. You may at any time submit a request to SLIDE through the CashNow Hotline at +65 6594 1380 for a refund of the Unused Balance and termination of your SLIDE Wallet. Such request shall be made in such manner and form and accompanied by such information and supporting documentation as may be required by SLIDE from time to time. Upon receipt of your request, SLIDE will provide, subject to verification and any deductions as provided in Clauses 6.2.3 and 6.2.4, a full refund of the Unused Balance to you, whereupon your SLIDE Wallet shall be terminated. The refund shall be made by SLIDE in such manner and at such time as SLIDE may determine in its sole discretion, as shall be advised by SLIDE.

6.2.2. For avoidance of doubt, SLIDE will not entertain any request for partial refund only of the

Unused Balance.

6.2.3. Where you have outstanding payments owing to SLIDE and/or any IAPPS subsidiary, SLIDE shall be entitled to first set-off the outstanding payments due to such IAPPS Subsidiary against the Unused Balance for the time being.

6.2.4. Any refund of any Unused Balance may be subject to such additional administrative fees as SLIDE may from time to time determine. The imposition of such administrative fees, and any changes and amendments thereto, shall be effective upon posting on the CashNow Website or on such date as may be otherwise stated. Your continued access to and use of the CashNow Application, your SLIDE Wallet and/or any of the CashNow Services shall be deemed to be your conclusive acceptance of such fees and charges, and changes and amendments to such fees and charges (if any).

6.3. Notwithstanding any provision in these Terms, SLIDE shall be entitled to, at any time and without

notice to you:

6.3.1. deduct from your SLIDE Wallet any amount deemed by SLIDE in its sole discretion to have been wrongly credited into your SLIDE Wallet and/or reverse any transaction carried out using your SLIDE Wallet, whether due to mobile networks or delivery systems error or otherwise;

6.3.2. deduct from your SLIDE Wallet any fees, charges or other amounts which are payable by you

to SLIDE / IAPPS or any IAPPS Subsidiary, whether under these Terms or otherwise; and/or

6.3.3. deal with and/or take any action in respect of, any Unused Balance for the time being, if required by and in accordance with any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body.

7. Payment Services

7.1. In addition to the criteria and conditions referred to in Clause 3, you acknowledge and agree that before you are eligible to access and use any Payment Service, you are required to satisfy all the criteria set forth in Clause 7.2, as may be amended from time to time by SLIDE in its sole and absolute discretion. In the event any such criteria has not been satisfied or ceases to be satisfied at any time whatsoever, or any provision of these Terms is not complied with, SLIDE shall be entitled in its discretion to suspend or terminate (as the case may be) the availability to you of and/or your access to and/or use of any Payment Service.

7.2. You acknowledge, agree and warrant that you are, and will at all times be, in compliance with the

following:

7.2.1. you have full capacity, authority and legal right to enter into and engage in Payment

Transactions; and

7.2.2. where the relevant Payment Beneficiary is a Payment Merchant, the transaction and contract between you and such Payment Merchant, and the performance of such transaction and contract, relate to the supply and/or provision of goods and/or services that are legal, valid and enforceable in Singapore and any relevant jurisdiction (including the jurisdiction in which such goods and/or services are to be supplied and/or provided), and the charges incurred under such transaction and contract are legal, valid and enforceable in Singapore and any relevant jurisdiction (including the jurisdiction in which such charges are to be incurred).

7.3. All Payment Amounts shall be denominated in Singapore dollars. If any sum specified by you to be paid to the relevant Payment Merchant under a Payment Transaction Request is denominated in any currency other than Singapore dollars, SLIDE shall be entitled to convert such sum into Singapore dollars at such rate as may be determined by SLIDE, and such converted sum shall be deemed to be the “Payment Amount” for the purposes of these Terms.

7.4. You further acknowledge and agree that the continued provision of the Payment Services to you, the acceptance by SLIDE of each Payment Transaction Request and the performance by SLIDE of each Payment Transaction, and any refund to your SLIDE Wallet in accordance with these Terms are subject to the following conditions (in addition to the other criteria and conditions under these Terms):

7.4.1. the relevant Payment Beneficiary having successfully passed all identification checks, due

diligence and other checks, screenings and verifications (including for anti-fraud, anti- terrorism, CFT and AML purposes) as may be required by any applicable regulatory authority or law enforcement body from time to time and/or which SLIDE in its sole and absolute discretion considers necessary;

7.4.2. the relevant Payment Beneficiary complying with all terms and conditions imposed by SLIDE

for the receipt of the relevant Payment Amount;

7.4.3. the Unused Balance for the time being in your SLIDE Wallet being sufficient to fulfil the

relevant Payment Transaction Request;

7.4.4. where the relevant payment is to be made into your SLIDE Wallet, the Unused Balance

following such payment shall not exceed S$999 at any point of time;

7.4.5. you having paid all applicable fees and charges (including goods and services tax and all taxes imposed on or payable in respect of such fees and charges) which may be payable in respect of the CashNow Services you have effected or obtained through the CashNow Application and/or in relation to your SLIDE Wallet.

7.5. SLIDE will make reasonable efforts to ensure that the Payment Transactions are processed and performed in a timely manner, but makes no representation or warranty regarding the time needed to complete processing or to transfer the amount to the relevant Payment Beneficiary, and will not be liable or responsible for any Loss to you or any Payment Beneficiary due to any delay in the processing of any Payment Transaction, the transfer of any Payment Amount, or the receipt of any Payment Amount by any Payment Beneficiary, save where such Loss is directly and solely caused by SLIDE’s fraud, gross negligence or wilful misconduct.

7.6. SLIDE shall be entitled, in its sole and absolute discretion, to refuse to perform and/or complete any Payment Transaction (including if any of the conditions set out in the provisions of this Clause 7 are not fulfilled for any reason whatsoever and/or SLIDE has reason to believe, in its sole and absolute discretion, that any representation or warranty given by you under these Terms is or has become untrue or incorrect or is breached in any respect).

7.7. You shall exercise caution when transferring any Payment Amount to any unfamiliar Payment

Beneficiary and shall always be alert to the possibility of fraud.

7.8. You acknowledge and agree that:

7.8.1. you are solely responsible for ensuring the accuracy, adequacy and completeness of each Payment Transaction Request, and the requested Payment Amount, are accurate, up-to-date and reflect your intentions and SLIDE shall not be obliged to verify the accuracy, adequacy and completeness of any such Payment Transaction Request; and

7.8.2. a Payment Transaction Request once given to SLIDE may not be cancelled, withdrawn or amended by you unless SLIDE in its sole and absolute discretion consents otherwise, and in this connection, SLIDE has no liability or responsibility if it does not or is unable to stop or prevent the implementation of the Payment Transaction.

7.9. If a Payment Merchant makes a request through the mobile payment system provided to it by SLIDE to void any Payment Transaction made by you, SLIDE may, in its sole discretion, refund the relevant Payment Amount to you by crediting such Payment Amount to your SLIDE Wallet, after deducting any fees, charges or other amounts which may be payable by you to SLIDE/ IAPPS or any IAPPS Subsidiary, whether under these Terms or otherwise.

7.10. In respect of any complaints concerning any Payment Transaction Request raised by you to SLIDE,

you hereby acknowledge that:

7.10.1. you shall satisfactorily provide such documentary proof as SLIDE may require as relevant evidence toward SLIDE’s investigation of the relevant Payment Transaction Request;

7.10.2. you shall notify in writing to SLIDE of any issues with, discrepancy or dispute in relation to any Payment Transaction Request within 30 calendar days from the date of that Payment Transaction Request, with satisfactory documentary proof as described in Clause 7.10.1; and

7.10.3. without prejudice to any of SLIDEs other rights and remedies (under these Terms, at law, in equity or otherwise), SLIDE retains the sole and absolute discretion to conduct independent investigations into each and every Payment Transaction Request made by you, and reserves the right to make such determination as it may deem fit.

8. Top-Up Services

8.1. If you use the CashNow Application for Top-Up Services, including without limitation, to top-up and add credit to any pre-paid card offered by SLIDE/IAPPS and IAPPS Subsidiary and/or CashNow Service Provider held by you, you acknowledge and agree that at all material times:

8.1.1. SLIDE’s sole responsibility is limited to facilitating the payment by you to such SLIDE/IAPPS, IAPPS Subsidiary and/or such Payment Service Provider, as the case may be, in order to top-up and add credit in and to your pre-paid and/or other cards;

8.1.2. SLIDE is acting solely as agent on behalf of such SLIDE/IAPPS, IAPPS Subsidiary and/or such Payment Service Provider, as the case may be, to collect the relevant top-up or credit amount from you;

8.1.3. SLIDE will not otherwise hold any amount (in the form of money or any other form) in

relation to such top-up or credit.

9. Charges

9.1. SLIDE shall be entitled to at any time impose fees and charges on you, and to change and/or amend such fees and/or charges payable, for your access to and use of the CashNow Application (including your registration for and access to and use of a SLIDE Wallet), any reactivation or termination of the provision of and/or your access and/or use of the CashNow Application and/or your SLIDE Wallet and/or for refund of any Payment Amount (or part thereof) or of the Unused Balance, in accordance with these Terms. The quantum of such fees and charges shall be as determined by SLIDE. The imposition of such fees and charges, and any changes and amendments, shall be effective upon posting on the CashNow Website or on such date as may be otherwise stated. Your continued access to and use of the CashNow Application and/or your SLIDE Wallet shall be deemed to be your conclusive acceptance of such fees and charges, and changes and amendments to such fees and charges (if any).

9.2. A CashNow Service Provider shall be entitled to at any time impose fees and charges on you, and to change and/or amend such fees and/or charges payable, for your access to and use of the relevant CashNow Service and related CashNow Content, and/or any reactivation or termination of the provision of and/or your access and/or use of the relevant CashNow Service and related CashNow Content. The quantum of such fees and charges shall be as determined by such CashNow Service Provider. The imposition of such fees and charges, and any changes and amendments, shall be effective upon posting on the CashNow Website or on the website of such CashNow Service Provider or on such date as may be otherwise stated. Your continued access to and use of the relevant CashNow Service and related CashNow Content shall be deemed to be your conclusive acceptance of such fees and charges, and changes and amendments to such fees and charges (if any).

9.3. Where you do not carry out any transaction through your SLIDE for a continuous period of more than six months, SLIDE may designate your SLIDE Wallet as a “Dormant Account”. A dormancy fee (to be determined by SLIDE and posted on the CashNow Website from time to time) shall then be charged by SLIDE and deducted from your SLIDE Wallet for every month thereafter during which your SLIDE Wallet remains a Dormant Account. You will not be able to carry out transactions with a Dormant Account, and will need to contact SLIDE at its customer care hotline at +65 6594 1380 to reactivate a Dormant Account. SLIDE shall be entitled to suspend or terminate your ability to access and use your SLIDE Wallet to effect or obtain any and all CashNow Services where your SLIDE Wallet is a Dormant Account and the balance in your SLIDE Wallet is insufficient to meet the monthly dormancy fee payable.

9.4. You shall be solely responsible and liable for all fees and charges (including goods and services tax and all taxes imposed on or payable in respect of such fees and charges) which may be payable pursuant to these Terms. You acknowledge and agree that any such fees and charges (which relate to transactions carried out through your SLIDE Wallet) may be directly debited from your SLIDE Wallet.

9.5. You acknowledge and agree that your use of any mobile or data services in relation to your download of the CashNow Application (and/or any updates thereof) and/or any access to and/or use of the CashNow Application, any CashNow Service and/or any CashNow Content may entail additional charges with the relevant mobile and telecommunication service providers and that you shall be solely responsible for such charges (where applicable).

10. Your General Obligations

10.1. Without prejudice to any other obligations which you may have (whether under these Terms, at

law, in equity or otherwise), you represent, warrant and undertake that:

10.1.1. any and all information provided by you to SLIDE/IAPPS and/or any other IAPPS Subsidiary in connection with your access to and use of the CashNow Application, any CashNow Service or any CashNow Content (including in the course of registering for a SLIDE Wallet) shall be true, accurate and complete, and you shall promptly notify and update SLIDE /IAPPS and/or the relevant other IAPPS Subsidiary in the event of any change to such information (in such form and with such valid supporting documentation as may be required by SLIDE/ IAPPS and/or the relevant other IAPPS Subsidiary from time to time);

10.1.2. you are not and will not at any time be located in a country that is subject to embargo, or that has been designated as a “terrorist supporting” country by the Government of Singapore or by any regulatory authority and/or law enforcement body in Singapore;

10.1.3. you are not and will not at any time be listed on any list of prohibited or restricted parties by the Government of Singapore or by any regulatory authority and/or law enforcement body in Singapore;

10.1.4. you shall comply with:

1. all applicable laws and directions, orders and requirements of any applicable regulatory

authority and/or law enforcement body; and

1. such policies, measures, guidelines, regulations and procedures (such as security and encryption standards, rules and procedures) as SLIDE may specify from time to time in relation to the CashNow Application, including the provision of the CashNow Application by SLIDE to you, and your use of the CashNow Application, any CashNow Service and any CashNow Content;

10.1.5. you have taken, obtained and shall maintain in force all necessary action to authorise and all necessary permits, licences, approvals, consents, waivers and exemptions for your entry into and performance of your obligations under these Terms and to access and use your SLIDE Wallet, the CashNow Application and the relevant CashNow Services and related CashNow Content, in each case, in accordance with all applicable laws and directions, orders and requirements of any applicable regulatory authority and/or law enforcement body;

10.1.6. you shall not at any time access or use the CashNow Application, any CashNow Service or any SLIDE content for any unlawful or illegal activity or purpose or in any manner which will result in you or SLIDE/IAPPS or any other IAPPS Subsidiary breaching any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body; and

10.1.7. you shall render to each of SLIDE/IAPPS and the other IAPPS Subsidiaries any assistance and co-operation as SLIDE/IAPPS or such other IAPPS Subsidiary (as the case may be) may require in connection with any investigation undertaken and/or action taken by SLIDE/IAPPS or such other IAPPS Subsidiary (as the case may be) (including that referred to in Clause 11.3).

10.2. When using the CashNow Application, you agree not to do (or facilitate or attempt the doing of), and not to permit, cause or procure that any person to do (or facilitates or attempts the doing of), directly or indirectly, any of the following:

10.2.1. compromising or undermining the security or integrity of the CashNow Application or any of equipment, systems, networks, sites, servers and infrastructure used for the purposes of and in connection with the function of and providing you with the CashNow Application;

10.2.2. accessing or using the CashNow Application via any means or interface without obtaining express authorised permission from the relevant party(ies), including using or launching any automated system;

10.2.3. accessing, using or damaging, or disrupting or impeding the operation of, any of equipment, systems, networks, sites, servers and infrastructure used for the purposes of and in connection with the function of and providing you with the CashNow Application (other than as expressly permitted in these Terms);

10.2.4. renting, leasing, lending, trading, selling, reselling or otherwise charging any person for the

use of the CashNow Application;

10.2.5. breaching any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body or any rule, regulation or policy applicable to any network, server, computer database, website or news group that you may access;

10.2.6. infringing any intellectual property right, proprietary, privacy or publicity rights of any

person, or breach any obligation of confidence or any other proprietary right;

10.2.7. breaking into or accessing any computer hardware, software, system or procedure;

10.2.8. relaying any material through any third-party equipment, systems, networks, sites, servers

and/or infrastructure without authorisation;

10.2.9. using or storing any bots on SLIDE/ IAPPS or any other IAPPS Subsidiaries’ servers;

10.2.10. carrying out any activities which SLIDE may consider to be actually or potentially injurious to

any person (including IAPPS and/ or IAPPS Subsidiary);

10.2.11. sending, posting (whether through the CashNow Application, on any website, mobile site, application, interface or platform that displays the “CashNow” mark, or otherwise), transmitting, distributing, linking to, soliciting, collecting or otherwise dealing with any content or service that:

1. contains or constitutes unsolicited material (including unsolicited bulk mail messages, masses of electronic mail and other data) that could be expected to adversely affect any network or facilities;
2. does not meet acceptable standards of decorum and good taste;

iii. contains or constitutes any material that is, or that SLIDE considers, in its sole and absolute discretion, to be, obscene, offensive, defamatory, libellous, unlawfully threatening or harassing or otherwise actionable;

1. infringes any right of any person (including any proprietary or intellectual property right) or is in violation of any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body;
2. contains or constitutes any material that is, or that SLIDE considers, in its sole and

absolute discretion, to be, misleading;

1. compromises or undermines the security or integrity of CashNow or any of the equipment, systems, networks, sites, servers and infrastructure used for the purposes of and in connection with the function of and providing you with CashNow;

vii. contains any errors, whether technical or otherwise; or

viii. contains or constitutes any material in any form that would render SLIDE/IAPPS or any other

IAPPS Subsidiary liable to any claim or proceedings whatsoever;

10.2.12. transmitting or distributing any viruses, worms, defects, Trojan horses, cancelbots, sniffer,

time bombs or any programming or code of a destructive nature;

10.2.13. violating any person’s rights (including privacy rights), interfering with any person’s use of

the CashNow Application, or causing any nuisance, annoyance or inconvenience to any person;

10.2.14. interfering with the proper working, functionality or availability of the CashNow Application or any other computer program or database in relation to or required in using the CashNow Application;

10.2.15. exploiting or abusing the CashNow Application;

10.2.16. breaching, tampering with, circumventing or modifying any security measures used by or on behalf of SLIDE in connection with the CashNow Application, including any encryption codes or technological protection measures in or used in connection with the CashNow Application; or

10.2.17. imposing an unreasonably large load on the servers serving the CashNow Application.

11. General Rights of SLIDE

11.1. SLIDE shall be entitled to send, and you hereby consent to SLIDE, sending and to you receiving,

“push notifications” and SMS notifications relating to:

11.1.1. your access to and use of the CashNow Application and your SLIDE Wallet (including details of

how and when to update the CashNow Application); and

11.1.2. the Base Services and/or Additional Services.

11.2. Notwithstanding any other provision of these Terms, SLIDE shall be entitled to, and hereby reserve all rights to, at any time disable any links to or frames of any website or mobile application containing inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topics, names, material or information, or material or information that violates any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body or any applicable proprietary, privacy, publicity or other rights of any person (including Intellectual Property Rights).

11.3. SLIDE shall be entitled to at any time investigate complaints or reported breaches of these Terms or any matter referred to in these Terms, and to take any action SLIDE may consider appropriate, including reporting any suspected unlawful activity to law enforcement officials or regulators and disclosing any information necessary or appropriate to such persons.

11.4. SLIDE may, in its sole discretion, change, add or remove any feature or functionality of the CashNow Application at any time, including as a result of the acquisition and expiry of rights to any SLIDE Content. Any such changes, additions and removals shall become part of the CashNow Application and shall apply immediately. Your continued access to and use of the CashNow Application shall be deemed to be your conclusive acceptance of such changes, additions and removals.

11.5. Notwithstanding any provision in these Terms which require SLIDE to, or envisage that SLIDE will, give notify or inform you of any matter, SLIDE may nevertheless not notify or inform you of such matter if SLIDE considers in its sole and absolute discretion that notifying or informing you of such matter will or may cause (i) SLIDE/ IAPPS or any other IAPPS Subsidiary to be in breach of any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body and/or (ii) any prejudice to any investigation or proposed investigation by any person (whether SLIDE/ IAPPS, any other IAPPS Subsidiary, any regulatory authority or law enforcement body, or otherwise).

11.6. You hereby agree and accept that SLIDE’s records of Payment Transactions and any other matter in relation to these Terms (including any communications transmitted electronically or telecommunications between SLIDE and you) as final and conclusive and binding for all purposes, in the absence of manifest error.

11.7. Without prejudice to any of SLIDE ‘sother rights and remedies (whether under these Terms, at law, in equity or otherwise), SLIDE is required to act in accordance with any and all applicable laws and directions, orders and requirements of any applicable regulatory authority and/or law enforcement body relating to the prevention of money laundering, terrorist financing and the provision of financial and other services to any persons or entities, and may be subject to sanctions in relation thereto. SLIDE shall have the right to take any action which may be required by any applicable regulatory authority and/or law enforcement body or which it, in its sole and absolute discretion, considers appropriate to take in order to comply with such laws, directions, orders and requirements.

11.8. Without prejudice and in addition to any right of set-off to which SLIDE is otherwise entitled, SLIDE may, at any time, upon written notice to you, set-off any amounts owing by you to SLIDE against any amounts which SLIDE owes to you. Notwithstanding the foregoing, in the event that you breach any provision of these Terms, I SLIDE may perform such set-off without notice to you.

12. Disclaimers, Indemnity and Liability

12.1. All CashNow Services are offered and provided from Singapore. All CashNow Content is directed at and restricted to natural persons resident in or entities having a place of business in Singapore ONLY. SLIDE makes no representation that the CashNow Application, the provision of any v Service or any CashNow Content is lawful, appropriate or available for use in other locations or jurisdictions.

12.2. You acknowledge and agree that the CashNow Application and all CashNow Services (and your access thereto and use thereof), and all CashNow Content, are provided on an “as is, as available” basis. Notwithstanding any other provision of these Terms, nothing in the CashNow Application constitutes or should be regarded as an offer or solicitation on the part of SLIDE to provide any products or services described therein to any person to whom it is unlawful to make such offer or solicitation or where the local law or regulation does not permit the purchase of, subscription for or other use of such products or services.

 

12.3. All CashNow Content are provided or made available to you for general information and reference only. In addition, CashNow Content relating to third parties and/or products and/or services provided by third parties or provided on behalf of third parties (including Third Party Content) are re- transmitted by SLIDE to you in the ordinary course of business. Such products and/or services, and any act or omission of such third parties, shall be the sole responsibility of the relevant third party, and you must (and may only) pursue any claim, dispute or remedy in respect thereof with such third party.

12.4. CashNow Content may contain or comprise geographic, political, economic, statistical, financial and exchange rate data presented in approximate or summary or simplified form which may change over time, and may be based on material and/or information obtained from third parties which may not be accurate. You should not use any CashNow Content as a basis for making any decision, including whether to register for CashNow Wallet or to access or use a CashNow Service. CashNow Content should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You should obtain such professional advice where appropriate.

12.5. Your access to and use of the CashNow Application, any CashNow Service and any CashNow Content shall be solely at your own risk. You are solely responsible for evaluating the accuracy, completeness and usefulness of all opinions, advice and other information received with respect to the Payment Services in determining whether to access and/or use the CashNow Application, any CashNow Service and any CashNow Content.

12.6. In particular, without limitation, if you choose to access and/or use any Third Party Sites and/or Third Party Content, you acknowledge and agree that your access and/or use shall be subject to, and you shall review, accept and comply with, such terms and conditions (including any end user licence agreements) as may be applicable to such Third Party Sites and/or Third Party Content. You shall be solely responsible for any provision or submission of information by or on behalf of you on or through any Third Party Site.

12.7. None of the Indemnified Parties makes, and each of the Indemnified Parties hereby expressly excludes, any representation, warranty, guarantee, endorsement or undertaking of any kind, whether express or implied, statutory, arising from usage or custom or trade or by operation of law, or otherwise:

12.7.1. in relation to these Terms, the CashNow Application, any CashNow Service or any CashNow Content,  including:

1. the provision of the CashNow Application, any CashNow Service and any CashNow Content to you;
2. the performance by CashNow of its obligations under these Terms;

iii. any failure or delay in, interruption to or disruption of the provision of the CashNow Application, any CashNow Service or any CashNow Content to you, or in the transmission or receipt of any data in connection with the provision of the CashNow Application, any CashNow Service or any CashNow Content to you, howsoever caused or arising;

1. your access to and use of the CashNow Application, any CashNow Service and any CashNow Content (whether fraudulent, authorised, unauthorised or erroneous and whether or not you are aware of such access and/or use), and any suspension, termination or discontinuance thereof; and
2. any transaction or activity carried out pursuant to any CashNow Service.

12.7.2. as to the accuracy, privacy, reliability, security, timeliness, non-infringement, title, merchantability, fitness for purpose, accessibility, functionality, availability or ability of the CashNow Application, any CashNow Service or any CashNow Content;

12.7.3. as to the inter-operability of the CashNow Application, any CashNow Service or any CashNow Content with any other system, infrastructure, interface, product, service, network or otherwise to any extent;

12.7.4. as to whether the CashNow Application, any CashNow Service or any CashNow Content will meet your needs or requirements in any way or be uninterrupted, timely, secure, or free from computer viruses, Trojan horses, worms, malicious, destructive or corrupting codes or programmes, malicious activities of third parties, software bombs or similar items, defects, delays, errors, spyware, malware, adware, imperfections, faults, mistakes, misrepresentations, omissions, defects or inaccuracies;

12.7.5. as to whether the service conditions on which your access to and/or use of the CashNow Application, any CashNow Service or any CashNow Content depend (as further described in Clause 12.8), will be met; and

12.7.6. as to whether or not your access to and/or use of the CashNow Application, any CashNow Service or any CashNow Content will (i) breach any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body, (ii) contain any obscene, offensive, defamatory material, or (iii) breach or infringe any rights, including Intellectual Property Rights and other proprietary, privacy and publicity rights, of any person and any obligations of confidence,

and save to the extent prohibited by applicable law, the Indemnified Parties do not accept and shall not bear any liability or responsibility arising directly or indirectly from or in connection with any or all of the foregoing matters, and you hereby waive claim you may now or in the future have against any Indemnified Party for the same. You shall fully and effectively indemnify, defend and hold harmless each Indemnified Party from and against, any and all Losses arising directly or indirectly from or in connection with any or all of the foregoing matters.

12.8. You acknowledge and agree that your access to and use of the CashNow Application, any CashNow

Service and any SLIDE Content is subject to the following service conditions being met:

12.8.1. the availability to you of a suitable mobile handset or device that is compatible for use with

the CashNow Application and the relevant CashNow Service and CashNow Content;

12.8.2. the availability and connectivity of a suitable network infrastructure at the time when the CashNow Application or the relevant CashNow Service or CashNow Content is accessed and/or used by you;

12.8.3. the geographic and technical capability of the mobile networks and delivery systems at the time and location when and where the CashNow Application or the relevant CashNow Service or CashNow Content is accessed and/or used by you.

12.9. You acknowledge and agree that SLIDE has entered and may enter into agreements and arrangements with, and is and may be subject to certain obligations to, owners and operators of Appstores (“Appstore Providers”) in connection with the distribution of the CashNow Application as a mobile application. SLIDE S accepts no, and shall not bear any, liability or responsibility for any Loss arising from or in connection with any act or omission of any Appstore Provider, or otherwise from the relationship between SLIDE and such Appstore Providers.

12.10. Save to the extent prohibited by applicable law, in no event shall any Indemnified Party be liable or responsible in any way whatsoever for, and you waive any claim you may now or in the future have against any Indemnified Party and hereby agree to fully and effectively indemnify, defend and hold harmless each Indemnified Party from and against, any and all Loss arising from or in connection with or by reason of:

12.10.1. these Terms, the CashNow Application, any CashNow Service or any CashNow Content, including the matters described in Clauses 12.7.1(i), any breach of these Terms (whether on your part, by any person acting on your behalf or over whom you have supervision or control, or otherwise) and any exercise by SLIDE or any SLIDE Subsidiary of their respective rights under these Terms;

12.10.2. any transaction or activity carried out through your SLIDE Wallet or pursuant to any CashNow Service being inaccurate, inadequate, incomplete, ambiguous or inconsistent in any way for any reason whatsoever;

12.10.3. any unauthorised, mistaken, unlawful or wrongful payments made through your SLIDE Wallet

or pursuant to any CashNow Service for any reason whatsoever;

12.10.4. the performance by or on behalf of SLIDE of its obligations under these Terms, including the fulfillment of or failure to fulfil any Payment Transaction Request or the performance of or failure to perform any Payment Transaction (whether fraudulent, authorised, unauthorised or erroneous and whether or not you are aware of such fulfilment, performance or failure);

12.10.5. any product or service obtained from any Payment Merchant pursuant to any Payment

Transaction (or any description of such product or service);

12.10.6. any breach of any Additional Terms (whether on your part, by any person acting on your

behalf or over whom you have supervision or control, or otherwise);

12.10.7. any failure, refusal, delay, error or other act or omission by or on behalf of any CashNow Service Provider or content provider;

12.10.8. the use or disclosure, in any manner and for any purpose, by any Indemnified Party of any information obtained and/or provided by you in connection with your use of the CashNow Application, any CashNow Service or any CashNow Content, including where such information is (to your knowledge or otherwise) inaccurate, inadequate, incomplete, ambiguous, inconsistent or otherwise;

12.10.9. any error, omission, inadequacy, incompleteness, ambiguity, inconsistency or inaccuracy in or of any information obtained and/or provided by you in connection with your use of the CashNow Application, any CashNow Service or any CashNow Content (including in any Payment Transaction Request); and

12.10.10. any Force Majeure Event.

12.11. This Clause 12 shall survive any expiry, termination or other cessation of your relationship with SLIDE and/or your access to and/or use of the CashNow Application, any CashNow Service or any CashNow Content. SLIDE reserves the right to assume the defence and control of any matter subject to indemnification by you, in which event you will cooperate with SLIDE in asserting any available defences.

13. Intellectual Property Rights

13.1. You agree that caching, hyperlinking to, and framing of the CashNow Application or any CashNow Content are strictly prohibited, and that you shall not, and shall not assist, procure or cause any person to do or omit to do anything which may constitute any of such activities.

13.2. All Intellectual Property Rights in or relating to the CashNow Application, any CashNow Service and any CashNow Content, including information, communications, software, texts, graphics, links and sounds, belong to SLIDE, the relevant CashNow Service Provider and/or their respective related corporations, content providers and/or their third party licensors. Nothing in these Terms nor the grant to you of a licence to access and use CashNow shall be construed as granting you, by implication, estoppel or otherwise, and you shall not in any event be entitled to, any licence or right to use any such Intellectual Property Rights without the prior written consent of the relevant holder of such Intellectual Property Rights. Any right not expressly granted herein is reserved.

13.3. You shall not, and shall not assist, cause, permit or authorise any person to tamper, reproduce, modify, store, copy, use, transfer, distribute, republish, download, post, transmit, translate, pledge, sublicense, rent, lease, decompile, disassemble, reverse engineer or otherwise attempt to derive the source code for the computer systems and other technology that operates or supports, or create any derivative works based on, any SLIDE Content (or part thereof) (including its user interfaces), in any form or by any means, without the prior written permission of the relevant copyright holder for any purpose whatsoever. For the purposes of these Terms, “reverse engineer” includes the examination or analyses of CashNow Content to determine the source code, structure, organisation, internal design, algorithms or encryption devices of the underlying technology of such CashNow Content. The source and object code of the CashNow Application constitute a trade secret of  SLIDE and must not be accessed, examined or shared without SLIDE’s prior written consent.

13.4. You acknowledge and agree that the CashNow Application, the CashNow Services, and all CashNow Content may not be used, and you shall not and shall not assist, cause, permit or authorise any person to use CashNow, any CashNow Service or any CashNow Content (or part thereof), for commercial purposes (including commercial distribution).

13.5. You hereby grant to SLIDE a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in all information and material which you provide to SLIDE in accessing and using the CashNow Application, any CashNow Service and/or any CashNow Content, for any purpose SLIDE deems fit (including the copying, transaction, distribution and publication thereof).

14. Personal Data

14.1. SLIDE and each other IAPPS Subsidiary shall be entitled to request for, retrieve and collect, and you hereby affirmatively agree, consent to and authorise the collection, retrieval, use and disclosure by and on behalf of SLIDE/ IAPPS and each other IAPPS Subsidiary, any and all Customer Information, in the manner and for the purposes set out in the IAPPS Data Protection Policy, and for the following purposes:

14.1.1. considering whether to approve and/or processing your request for registration for a SLIDE

Wallet and/or to provide you with any CashNow Service;

14.1.2. administering and/or managing your SLIDE Wallet and/or your relationship with SLIDE /IAPPS and

any other IAPPS Subsidiary;

14.1.3. offering, providing and making available to you and carrying out their respective SLIDE

Services;

14.1.4. performing their respective obligations under these Terms and any Additional Terms;

14.1.5. carrying out identification checks, due diligence and other checks, screenings and

verifications (including for anti-fraud, anti-terrorism, CFT and AML purposes);

14.1.6. dealing in any matters relating to the CashNow Services and/or CashNow Content which you access and use (including the mailing of correspondence, statements, invoices, reports or notices to you, which could involve disclosure of certain personal data about you to bring about delivery of the same as well as on the external cover of envelopes/mail packages);

14.1.7. investigating fraud, misconduct, any unlawful action or omission, whether relating to your application, your claims or any other matter relating to your SLIDE Wallet and/or your relationship with SLIDE/IAPPS and any other IAPPS Subsidiary, and whether or not there is any suspicious of the aforementioned;

14.1.8. for meeting legal, regulatory and other compliance requirements (including disclosure to all government agencies and authorities, regulators (such as, without limitation, the Monetary Authority of Singapore), exchanges, clearing houses, markets or depositories); and

14.1.9. providing you with information, offering rewards, conducting market research and other survey, maintaining safety and security, and other purposes as further described in the IAPPS Data Protection Policy,

(collectively, the “Purposes”).

14.2. You hereby affirmatively agree, consent to and authorise the disclosure and/or transfer out of Singapore (if applicable), by and on behalf of SLIDE/IAPPS or any other IAPPS Subsidiary, of your personal data, to its third party service providers or agents (including its lawyers), where such third party service providers or agents engaged by SLIDE/IAPPS or any other IAPPS Subsidiary, SLIDE would be processing your personal data for SLIDE/IAPPS or any other IAPPS Subsidiary for any of the Purposes.

14.3. You hereby represent, warrant and undertake to SLIDE /IAPPS and each other IAPPS Subsidiary that where you or your representative is responsible for the provision of any information or data relating to any natural person to the IAPPS and/or any other IAPPS Subsidiary, or actually provides any such information or data to SLIDE/IAPPS and/or any other IAPPS Subsidiary, you have informed each such person and each such person has given consent to the SLIDE’s collection, use and disclosure of their personal data as described under these Terms and the IAPPS Data Protection Policy.

14.4. You agree that SLIDE /IAPPS and each other IAPPS Subsidiary may retain all Customer Information for the

Purposes and in compliance with the applicable law.

14.5. If you wish to withdraw your consent given under this Clause 14, you are required to submit a request to SLIDE (in such form as may be specified by SLIDE from time to time), whereupon SLIDE shall be entitled to take such action, or procure to be taken any such action, as SLIDE may consider appropriate arising from or in connection with such withdrawal of consent (including suspending or terminating the provision of CashNow (in whole or in part) to you).

14.6. You hereby consent to SLIDE and each CashNow Service Provider sending SMS notifications to you or contacting you in any other manner at any time and from time to time in relation to the CashNow Application (including in respect of your SLIDE Wallet) or the relevant CashNow Service, respectively. If you contact SLIDE or any CashNow Service Provider via email, SLIDE or such CashNow Service Provider may keep a record of that correspondence.

14.7. You consent to SLIDE’s use of the data files which are placed on your device when you access and/or use the CashNow Application and/or any CashNow Service (“Cookies”) and SLIDE’s use of Cookies, as follows:

14.7.1. to collect information about how you access and use the CashNow Application and CashNow

Services;

14.7.2. to identify your device for the following purposes:

1. for the operation of the CashNow Application and the provision of the CashNow Services;
2. to temporarily allow you to carry information between pages or interfaces of the CashNow Application to avoid having to re-enter such information; and

iii. to temporarily identify your device after you have logged in to a secure page on the CashNow Application in order for you to carry out certain transactions;

14.7.3. to enable SLIDE to improve the CashNow Application by tracking your access to and use of the CashNow Application and CashNow Services, so as to gather statistics on new and repeat visitors to evaluate effectiveness;

14.7.4. to enable SLIDE to personalise CashNow Content for you and make the CashNow Application more relevant to your interests;

14.7.5. to store and remember your login and preferences in accessing and using the CashNow Application and CashNow Services (for example, your choice of language and region) to avoid you having to re-enter such information when you return to the CashNow Application;

14.7.6. to maintain access controls for you to view privileged pages without seeking further

permission from you (provided that no additional personal data is collected); and

14.7.7. to provide online advertisements or offers on the CashNow Application which are most likely to interest you, limit the number of times you see an advertisement or offer, and to evaluate the effectiveness of SLIDE’s online marketing and advertising programs.

14.8. While you can choose not to accept Cookies by changing the settings on your device, you acknowledge and agree that if you ‘block’ or choose not to accept any Cookies, certain CashNow Services and features on the CashNow Application may not work as they otherwise would if you had not ‘blocked’ such Cookies.

14.9. You may from time to time give your agreement, consent or authority to all collection, use and disclosure by SLIDE /IAPPS or any other IAPPS Subsidiary of any Customer Information, for any purpose(s) requested by SLIDE /IAPPS or such other IAPPS Subsidiary, by any form of writing or by the acceptance by you of any relevant terms and conditions (including in these Terms and the IAPPS Data Protection Policy) which refer to such consent or authority.

14.10. The provisions of this Clause 14 shall also constitute your consent for the purpose of the provisions of the Spam Control Act (Cap. 311A) and other applicable law, unless otherwise notified in writing by you in the procedure as determined by SLIDE /IAPPS or any other IAPPS Subsidiary from time to time, including as may be described in the IAPPS Data Protection Policy.

15. Force Majeure

15.1. SLIDE shall not be liable to you or be deemed to be in breach of any provision of these Terms by reason of any delay in performing, or any failure to perform, any of its obligations (including the offering, provision and making available of any Base Service to you, or allowing you to access and use your SLIDE Wallet to effect or obtain any CashNow Service) if the delay or failure was due to any Force Majeure Event.

16. Suspension and Termination

16.1. SLIDE may at any time suspend (for such period as SLIDE may in its sole and absolute discretion consider appropriate) or terminate these Terms and/or the availability to you of and/or your access to and/or use of the CashNow Application (in whole or in part), your SLIDE Wallet and/or any of the CashNow Services (as the case may be), in each case, without notice to you and without giving any reason. SLIDE may (but shall not be obliged to) post a notice of such suspension or termination on the SLIDE Website or make such notice available in any other manner deemed appropriate by SLIDE.

16.2. A CashNow Service Provider may at any time suspend (for such period as such CashNow Service Provider may in its sole and absolute discretion consider appropriate) or terminate the availability to you of and/or your access to and/or use of the relevant CashNow Service (or any part thereof), in each case, without notice to you and without giving any reason.

 

16.3. Without prejudice to the foregoing, SLIDE and each CashNow Service Provider may at any time suspend (for such period as such SLIDE or such CashNow Service Provider (as the case may be) may in its sole and absolute discretion consider appropriate) or terminate the availability to you of and/or your access to and/or use of the CashNow Application (in whole or in part), your SLIDE Wallet and/or the relevant CashNow Service (or any part thereof) (as the case may be), including freezing any Unused Balance in your SLIDE Wallet, without notice to you, if:

16.3.1. SLIDE or such CashNow Service Provider (as the case may be) has, in its sole and absolute discretion, reason to believe that you have provided it with any false identification or otherwise misleading information;

16.3.2. you have, or SLIDE or such CashNow Service Provider (as the case may be) has, in its sole and absolute discretion, reason to believe that you have, committed a breach of any of the provisions of these Terms;

16.3.3. SLIDE or such CashNow Service Provider (as the case may be) has, in its sole and absolute discretion, reason to believe that you have misused or are likely to misuse the CashNow Application or any CashNow Service (including for any unauthorised use or any criminal or illegal purpose);

16.3.4. SLIDE or such CashNow Service Provider (as the case may be) has, in its sole and absolute discretion, reason to believe that you are using the CashNow Application, your SLIDE Wallet or any or all of the CashNow Services, or the relevant CashNow Service, respectively, on behalf of another party;

16.3.5. SLIDE or such CashNow Service Provider (as the case may be) is required to do so in order to comply with any applicable law and/or any direction, order or requirement of any applicable regulatory authority or law enforcement body;

16.3.6. there is a material security threat to the CashNow Application, your SLIDE Wallet or any of the CashNow Services (as the case may be) (including risk of money laundering or terrorist financing, hacking or through the introduction of viruses or other malicious code);

16.3.7. you become bankrupt or generally fail or are unable to pay any of your debts as they fall due;

16.3.8. SLIDE or such CashNow Service Provider (as the case may be) is, in its sole and absolute discretion, of the opinion that you have perpetrated a fraud on SLIDE/IAPPS or any IAPPS Subsidiary, or such CashNow Service Provider or any of its related corporations, respectively, or have conducted yourself in a manner which may result in perpetrating or attempting to perpetrate such a fraud;

16.3.9. you die, or become mentally incapacitated or suffer some other form of legal disability;

16.3.10. any information provided by you to SLIDE or such CashNow Service Provider (as the case may be) in connection with these Terms or the relevant CashNow Service, respectively, is found to be false, misleading or incorrect;

16.3.11. you have, or SLIDE/ IAPPS or such CashNow Service Provider (as the case may be) has, in its sole and absolute discretion, reason to believe that you have, caused or attempted to cause failure, interruption, disruption or congestion in any network or system in connection with the CashNow Application or any or all of the CashNow Services, or the relevant CashNow Service, respectively; and/or

16.3.12. any representation or warranty made by you to SLIDE or such CashNow Service Provider (as the case may be) in connection with these Terms is incorrect or misleading.

16.4. If you wish to suspend or terminate your access to and use of the CashNow Application and/or your

SLIDE Wallet, you are required to submit a request to SLIDE (in such manner and form and accompanied by such information and supporting documentation as may be required by SLIDE from time to time) to request for and effect such suspension or termination. You acknowledge and agree that you will be subject to such Terms as may be applicable to such suspension or termination.

16.5. If you wish to suspend or terminate your access to and use of any CashNow Service, you are required to submit a request to SLIDE and the relevant CashNow Service Provider in such manner and form and accompanied by such information and supporting documentation as may be required by SLIDE and/or the relevant CashNow Service Provider from time to time) to request for and effect such suspension or termination. You acknowledge and agree that you will be subject to such terms and conditions as SLIDE and/or the relevant CashNow Service Provider may consider applicable to such suspension or termination.

16.6. You shall not be entitled to any payment, compensation or damages from SLIDE/IAPPS or any other IAPPS Subsidiary in relation to any suspension or termination of your access to and use of the CashNow Application, your SLIDE Wallet or any CashNow Service for any reason whatsoever.

16.7. Any suspension or termination of your access to and use of the CashNow Application, your SLIDE Wallet or any CashNow Service for any reason whatsoever shall not release you from any liability or responsibility on your part, which at the time of such suspension or termination, has already accrued.

16.8. The rights of suspension and termination of SLIDE and the CashNow Service Providers under these Terms shall be without prejudice to any other rights or remedies which SLIDE and each CashNow Service Provider (as the case may be) may have (whether under these Terms, at law, in equity or otherwise).

16.9. Upon any suspension or termination of these Terms, and/or the availability to you of and/or your access to and/or use of all (and not some) of the CashNow Services, your SLIDE Wallet and/or the CashNow Application (as a whole):

16.9.1. you shall not have any right, benefit or interest in connection with these Terms, the CashNow Application, your SLIDE Wallet or any CashNow Service, and without prejudice to the foregoing:

1. the licence granted by SLIDE to you to access and use the CashNow Application shall cease and accordingly, you shall immediately cease all access to and use of the CashNow Application and all CashNow Services, and shall not, and shall not assist, cause or permit any person to, access or use the CashNow Application, your SLIDE Wallet or any CashNow Service in any way (such licence, and your access to and use of the CashNow Application, your SLIDE Wallet and the CashNow Services, shall only resume, in the case of a suspension, when such suspension ceases); and
2. any transaction which you have requested be carried out through the CashNow Application or pursuant to any CashNow Service that has not been completed shall be terminated (and in the case of a suspension, any such transaction may or may not resume when such suspension ceases);

16.9.2. none of SLIDE and the other IAPPS Subsidiary shall have any obligation to you in connection

with these Terms, the CashNow Application, your SLIDE Wallet or any CashNow Service;

16.9.3. any and all sums due or accruing due or payable to SLIDE /IAPPS or any other IAPPS Subsidiary in connection with these Terms and/or your access to and use of the CashNow Application, your SLIDE Wallet and any CashNow Service, up to and including the date of suspension or termination (as the case may be) shall become immediately due and payable to SLIDE/IAPPS or such other IAPPS Subsidiary; and

16.9.4. For the avoidance of doubt, upon termination of the availability to you of and/or your access to and/or use of all (and not some) of the CashNow Services, your SLIDE Wallet and/or the CashNow Application (as a whole), you may register for a new SLIDE Wallet in accordance with these Terms, if desired. However, without prejudice to any of SLIDE’s other rights and remedies (under these Terms, at law, in equity or otherwise), SLIDE/IAPPS retains the sole and absolute discretion to approve or reject any such request to register a new SLIDE Wallet in whole or in part, or to impose any conditions whatsoever to your registration of a new SLIDE Wallet.

16.10. Upon any suspension or termination of the availability to you of and/or your access to and/or use

of any (but not all) of the CashNow Services (but not CashNow as a whole):

16.10.1. you shall not have any right, benefit or interest in connection with the relevant CashNow Service that has been suspended or terminated, and without prejudice to the foregoing:

1. you shall immediately cease all access to and use of such suspended or terminated CashNow Service, and shall not, and shall not assist, cause or permit any person to, access or use such suspended or terminated CashNow Service in any way (such access to and use of such CashNow Service shall only resume, in the case of a suspension, when such suspension ceases); and
2. any transaction which you have requested be carried out through such suspended or terminated CashNow Service that has not been completed shall be terminated (and in the case of a suspension, any such transaction may or may not resume when such suspension ceases);

16.10.2. none of SLIDE /IAPPS and the other IAPPS Subsidiaries shall have any obligation to you in connection with such suspended or terminated CashNow Service; and

16.10.3. any and all sums due or accruing due or payable to SLIDE /IAPPS or any other IAPPS Subsidiary in connection with your access to and use of such suspended or terminated CashNow Service, up to and including the date of suspension or termination (as the case may be) shall become immediately due and payable to SLIDE/IAPPS or such other IAPPS Subsidiary.

17. Modification

17.1. SLIDE shall have the right in its sole and absolute discretion to amend, modify or vary these Terms (including any amendments made to the IAPPS Data Protection Policy) by giving no less than 7 calendar days’ notice thereof to you, by posting on the CashNow Application and/or CashNow Website or in any other manner deemed appropriate by SLIDE (which shall constitute good and sufficient notice thereof to you by SLIDE and shall be deemed to have been received by you on the date of such posting or the making public of such notice, as applicable). If you continue to access and use the CashNow Application and/or any CashNow Service after such amendment, modification or variation, you shall be deemed to have agreed to be bound by such amended, modified or varied information, material and Terms.

18. Waiver

18.1. No failure to exercise or enforce, and no delay on the part of SLIDE/IAPPS or any IAPPS Subsidiary in exercising or enforcing its rights under these Terms shall operate as a waiver thereof nor shall such failure or delay in any way prejudice or affect the rights of SLIDE/IAPPS or IAPPS Subsidiary at any time.

19. Confidentiality

19.1. You agree that SLIDE/IAPPS and/or any IAPPS Subsidiary shall not be under any obligation of confidentiality to you regarding any such information or material provided by you accessing and using the CashNow Application and/or any CashNow Service, unless agreed otherwise in a separate direct contract between you and SLIDE /IAPPS and/or the relevant IAPPS Subsidiary, or otherwise required

20. Assignment

20.1. You shall not assign, transfer or encumber any or all of your rights, interests and obligations under

these Terms without the prior written consent of SLIDE.

20.2. I SLIDE may assign and transfer any or all of its rights, interests and obligations under these Terms to any person. Any such assignment or transfer shall take effect upon posting on the SLIDE Website or on such date as may be otherwise stated. In the event that SLIDE assigns and transfers all its rights, interests and obligations under these Terms:

20.2.1. all references to SLIDE in these Terms shall upon and after any such assignment and transfer

be construed as a reference to the assignee and transferee of SLIDE; and

20.2.2. such assignee and transferee shall be entitled to enforce all rights and perform all obligations of SLIDE and to be paid all sums due from you under these Terms as at the date of such assignment and transfer thereafter.

20.3. Without prejudice to Clause 12, SLIDE shall be entitled to sub-contract and delegate any or all of its obligations under these Terms or any other matters contemplated in these Terms, to any third party (including any other IAPPS Subsidiary) as SLIDE deems fit, whether for such third party to carry out or procure the carrying out of such obligations or matters. In such event, SLIDE shall not be liable to you for, and hereby disclaims all liability and responsibility in relation to, any act, omission, neglect or wilful default on the part of such third party.

21. Notices and Correspondence

21.1. All notices and communications by SLIDE/IAPPS and/or any IAPPS Subsidiary to you may be sent or despatched to you by delivery, post, e-mail, SMS, eDM or facsimile transmission or any other means deemed appropriate by SLIDE, to your e-mail or other address or mobile or facsimile number appearing in any of your records maintained by SLIDE or from which any communication by you to SLIDE was despatched or issued or otherwise last known to SLIDE. Any such notice, demand or communication addressed and so despatched to you shall be deemed to have been received by you:

21.1.1. in the case of despatch by e-mail, SMS or facsimile transmission or other instantaneous electronic communications, immediately upon transmission by SLIDE /IAPPS and/or the relevant IAPPS Subsidiary;

21.1.2. in the case of despatch by delivery to your address, on the date and at the time it was so

delivered or left at that address; and

21.1.3. in the case of despatch by post:

1. to any address in Singapore, on the next day after it was posted by SLIDE/IAPPS and/or the

relevant IAPPS Subsidiary; or

1. to any address outside Singapore, on the seventh (7th) day after it was posted by IAPPS

and/or the relevant IAPPS Subsidiary.

21.2. All notices and requests from you to SLIDE shall be in writing unless otherwise specified by SLIDE to you. SLIDE shall be entitled to regard as ineffective and invalid any notice or request by you the receipt of which has not been confirmed by SLIDE to you.

22. Severability

22.1. Any part of any provision of these Terms that is invalid, unenforceable or illegal shall be enforced as nearly as possible, but shall otherwise be deemed severed and shall not affect the enforceability of any other part of these Terms, which shall continue to be valid and enforceable to the fullest extent permitted by law.

23. Third Party Rights

23.1. Save for the SLIDE Subsidiaries, no person who is not a party to these Terms has any right under the Contracts (Rights of Third Parties) Act (Cap. 53B) to enforce or enjoy the benefit of any provision of these Terms.

24. Applicable Law and Jurisdiction

24.1. These Terms shall be subject to and construed in accordance with the laws of Singapore and you

hereby submit to the non-exclusive jurisdiction of the courts of Singapore.

 

These Terms and Conditions are updated on 1 November 2020