Iakaba Terms and Conditions

IAKABA MONEY EXCHANGE PTE LTD ( “iPAY”) – TERMS AND CONDITIONS  

PLEASE READ THESE TERMS (AS DEFINED BELOW) CAREFULLY BEFORE USING THE iPAY MOBILE  APPLICATION (AS DEFINED BELOW). IF IN DOUBT, PLEASE SEEK PROFESSIONAL ADVICE. SlideSG  PTE LTD (“SLIDE”) IS THE HOLDER OF THE SLIDE WALLET. BY USING THE iPAY APP 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 THE iPAY APP AND DO NOT APPLY FOR OR USE ANY OF THE PRODUCTS AND SERVICES  OFFERED OR PROVIDED ON OR VIA THE iPAY 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  MC Application.  

1.1.2. “Additional Services” means the products and services offered, provided and made available by any person  other than SLIDE (including any other SLIDE subsidiary and any third party), and P2P Services, which may be  effected or obtained by you through the use of the MC 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 the following Payment Services 

(a) Account Issuance 

(b)Domestic Money Transfer 

(c) E-Money Issuance 

(d) Merchant Acquisition  

All cross border money transfer services is provided by SLIDESG Pte Ltd (“SLIDESG”).  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 iPAY Application from time to time as long as you have in force a valid iPAY Balance  and your access to and use of the iPAY 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. “CFT” means countering the financing of terrorism.  

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 iPAY Application, any iPAY Service  and/or any iPAY Content, including information you provide in submitting your request to register for a iPAY’  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 SLIDE  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. “SLIDE” means SlideSG Pte Ltd (UEN: 201630415E) and its successors.  

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

1.1.11. “SLIDE 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, the other SLIDE 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 theiPAY 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 iPAY 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 iPAY 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;  
2. 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 iPAY 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 iPAY 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 SlideSG that enables  a customer to remit funds to the customer’s designated beneficiaries in the territories of including but not  limited to, China, Indonesia, Myanmar, Malaysia, Philippines, India and Bangladesh, in accordance with the  Remittance Services terms and conditions.  

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

1.1.28. “iPAY 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  SLIDE 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.  

1.1.29. “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  
2. 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 iPAY Services).  

1.1.30. “iPAY 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 iPAY 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  iPAY Application;  
2. all advertisements, promotions and offers (whether from SLIDE, any other SLIDE  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. “iPAY Service Provider” means, in respect of a iPAY Service, the person offering, providing and making  available such iPAY Service to users of the iPAY Application. A “iPAY Service Provider” may be SLIDE, any  other SLIDE Subsidiary, or such other third-party service provider as may be set out in the iPAY Website from  time to time.  

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

1.1.34. “iPAY Website” means slide.sg/iPAY or such other Internet website as SLIDE may maintain in respect  of iPAY from time to time.  

1.1.35. “SMS” means Short Message Service.  

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

1.1.37. “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).  

1.1.38. “Third Party Sites” means websites and/or mobile applications owned, operated or provided  by third parties.  

1.1.39. “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.  

1. SLIDE  

2.1. To contact SLIDE in connection with any matter relating to the iPAY Application or any Base Service, you  may call SLIDE’ 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).  

1. Eligibility for iPAY 

3.1. You acknowledge and agree that before you are eligible to access and use the iPAY Application (including  to effect and obtain any iPAY 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 iPAY Services, and your access to and use of the iPAY 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 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 iPAY 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 iPAY 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 iPAY Service by the relevant iPAY Service Provider, in each case,  without notice to you and without giving any reason.  

1. 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 iPAY 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 Subsidiary from time to time;  

4.1.3. over the Internet through the iPAY Website;  

4.1.4. through the iPAY 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 iPAY Application and the iPAY 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 iPAY Service, including making any payments or carrying out any transactions or other activity  pursuant to any iPAY 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  iPAY 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 iPAY Application or such iPAY 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 iPAY Application (including to effect or obtain any iPAY 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 iPAY Application and/or any  iPAY 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 iPAY Application or any iPAY 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.  

1. iPAY Application and iPAY 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 iPAY Application have not been suspended or terminated for any reason  whatsoever, to access and use the iPAY Application to effect and obtain iPAY 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 iPAY Application and iPAY 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 iPAY Application, any iPAY Service or any iPAY 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 iPAY Application, any iPAY Service or any iPAY Content which may be made available to you without notice to you.  

5.3. Any and all access and use by you of the iPAY Application and iPAY 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 iPAY Service Provider, and to any and all other applicable terms, conditions  and processes as may be introduced, amended and/or implemented by the relevant iPAY 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 iPAY 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 iPAY 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  iPAY Service with the relevant iPAY Service Provider.  

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

5.7.1. SLIDE’ 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 iPAY Service Provider and relaying such instructions to you or the iPAY  Service Provider, as the case may be, in connection with the relevant iPAY Service. SLIDE shall have no other  responsibility in relation to the relevant iPAY Service.  

5.7.2. Any instructions given by you to SLIDE in connection with any iPAY 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 iPAY 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 iPAY Service.  

1. 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. iPAY Counters; 
2. the iPAY 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 iPAY 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 iPAY 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 any SLIDE Subsidiary, SLIDE shall be entitled to  first set-off the outstanding payments due to such SLIDE 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 iPAY Website or on such date as may be otherwise  stated. Your continued access to and use of the iPAY Application, your SLIDE Wallet and/or any of the iPAY  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 MC 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 or any SLIDE 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.  

1. 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 iPAY Services you  have effected or obtained through the iPAY 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’ 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 or any SLIDE 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’ 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 SLIDE’ 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.  

1. Top-Up Services  

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

8.1.1. SLIDE’ sole responsibility is limited to facilitating the payment by you to such SLIDE 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 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.  

1. 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 iPAY 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 iPAY 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 iPAY Website or on such date as may be otherwise stated. Your continued access  to and use of the  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 iPAY 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 iPAY Service and related iPAY Content, and/or any reactivation or termination of the provision of and/or your access and/or use of  the relevant iPAY Service and related iPAY Content. The quantum of such fees and charges shall be as determined  by such iPAY Service Provider. The imposition of such fees and charges, and any changes and amendments, shall  be effective upon posting on the iPAY Website or on the website of such iPAY Service Provider or on such date as  may be otherwise stated. Your continued access to and use of the relevant iPAY Service and related iPAY 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 Wallet 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  iPAY 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 iPAY 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 iPAY Application (and/or any updates thereof) and/or any access to and/or use of the iPAY Application, any  iPAY Service and/or any iPAY 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).  

1. 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 and/or any other SLIDE Subsidiary in connection  with your access to and use of the iPAY Application, any iPAY Service or any iPAY 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 and/or the relevant other SLIDE 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 and/or the relevant  other SLIDE 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  
2. 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 iPAY  Application, including the provision of the iPAY Application by SLIDE to you, and your use of the  iPAY Application, any iPAY Service and any iPAY 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 iPAY Application and the relevant  iPAY Services and related iPAY 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 iPAY Application, any iPAY Service or any iPAY content for  any unlawful or illegal activity or purpose or in any manner which will result in you or SLIDE or any other  SLIDE 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 and the other SLIDE Subsidiaries any assistance and co-operation  as SLIDE or such other SLIDE Subsidiary (as the case may be) may require in connection with any  investigation undertaken and/or action taken by SLIDE or such other SLIDE Subsidiary (as the case may be)  (including that referred to in Clause 11.3).  

10.2. When using the iPAY 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 iPAY 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 iPAY Application;  

10.2.2. accessing or using the iPAY 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 iPAY 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 iPAY 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 or any other SLIDE Subsidiaries’ servers;  

10.2.10. carrying out any activities which SLIDE may consider to be actually or potentially injurious to  any person (including any SLIDE Subsidiary);  

10.2.11. sending, posting (whether through the iPAY Application, on any website, mobile site, application,  interface or platform that displays the “iPAY” 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;  
3. compromises or undermines the security or integrity of iPAY 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 iPAY; 

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

viii. contains or constitutes any material in any form that would render SLIDE or any other SLIDE 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 iPAY Application, or causing any nuisance, annoyance or inconvenience to any person;  

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

10.2.15. exploiting or abusing the iPAY Application;  

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

10.2.17. imposing an unreasonably large load on the servers serving the iPAY 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 iPAY Application and your SLIDE Wallet (including details of  how and when to update the iPAY 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 iPAY  Application at any time, including as a result of the acquisition and expiry of rights to any iPAY Content. Any  such changes, additions and removals shall become part of the iPAY Application and shall apply immediately.  Your continued access to and use of the iPAY 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 or any other SLIDE 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, any other SLIDE 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’s other 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,  SLIDE may perform such set-off without notice to you.  

1. Disclaimers, Indemnity and Liability  

12.1. All iPAY Services are offered and provided from Singapore. All iPAY 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 iPAY Application, the provision of any v Service or any iPAY Content is lawful, appropriate  or available for use in other locations or jurisdictions.  

12.2. You acknowledge and agree that the iPAY Application and all iPAY Services (and your access thereto and  use thereof), and all iPAY Content, are provided on an “as is, as available” basis. Notwithstanding any other  provision of these Terms, nothing in the iPAY 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 iPAY Content are provided or made available to you for general information and reference only. In  addition, iPAY 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. iPAY 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 iPAY Content as a basis for making any decision, including whether to register for SLIDE Wallet or to access  or use a iPAY Service. iPAY 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 iPAY Application, any iPAY Service and any iPAY 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 iPAY Application, any iPAY Service and any iPAY 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 iPAY Application, any iPAY Service or any iPAY Content, including:  i. the provision of the iPAY Application, any iPAY Service and any iPAY Content to you;  ii. the performance by iPAY of its obligations under these Terms;  

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

1. your access to and use of the iPAY Application, any iPAY Service and any iPAY 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  

1. any transaction or activity carried out pursuant to any iPAY 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 iPAY Application, any iPAY Service  or any iPAY Content;  

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

12.7.4. as to whether the iPAY Application, any iPAY Service or any iPAY 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 iPAY Application, any  iPAY Service or any iPAY 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 iPAY Application, any iPAY Service or any iPAY  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 iPAY Application, any iPAY Service and any iPAY 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 iPAY Application and the relevant iPAY Service and iPAY Content;  

12.8.2. the availability and connectivity of a suitable network infrastructure at the time when the iPAY  Application or the relevant iPAY Service or iPAY 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 iPAY Application or the relevant iPAY Service or iPAY 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 iPAY Application as a mobile application. SLIDE 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 iPAY Application, any iPAY Service or any iPAY 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 iPAY 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 iPAY 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 iPAY 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 iPAY Application, any iPAY  Service or any iPAY 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 iPAY Application, any  iPAY Service or any iPAY 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 iPAY Application, any iPAY Service or any iPAY 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.  

1. Intellectual Property Rights  

13.1. You agree that caching, hyperlinking to, and framing of the iPAY Application or any iPAY 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 iPAY Application, any iPAY Service and any iPAY Content,  including information, communications, software, texts, graphics, links and sounds, belong to SLIDE, the  relevant iPAY 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 iPAY 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 iPAY 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 iPAY Content to determine the source code, structure, organisation,  internal design, algorithms or encryption devices of the underlying technology of such iPAY Content. The source  and object code of the iPAY 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 iPAY Application, the iPAY Services, and all iPAY Content may not be  used, and you shall not and shall not assist, cause, permit or authorise any person to use iPAY, any iPAY Service  or any iPAY 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 iPAY  Application, any iPAY Service and/or any iPAY Content, for any purpose SLIDE deems fit (including the copying,  transaction, distribution and publication thereof). 

1. Personal Data  

14.1. SLIDE and each other SLIDE 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 and each other SLIDE Subsidiary, any and all Customer Information, in the manner and for the  purposes set out in the SLIDE 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 iPAY Service;  

14.1.2. administering and/or managing your SLIDE Wallet and/or your relationship with SLIDE and  any other SLIDE Subsidiary;  

14.1.3. offering, providing and making available to you and carrying out their respective iPAY 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 iPAY Services and/or iPAY 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  and any other SLIDE 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 SLIDE 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 or any other SLIDE 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 or any other SLIDE Subsidiary, SLIDE would be processing your personal data for SLIDE  or any other SLIDE Subsidiary for any of the Purposes. 

14.3. You hereby represent, warrant and undertake to SLIDE and each other SLIDE Subsidiary that where you  or your representative is responsible for the provision of any information or data relating to any natural person  to the SLIDE and/or any other SLIDE Subsidiary, or actually provides any such information or data to SLIDE  and/or any other SLIDE 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  SLIDE Data Protection Policy.  

14.4. You agree that SLIDE and each other SLIDE 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 iPAY (in whole  or in part) to you).  

14.6. You hereby consent to SLIDE and each iPAY 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 iPAY Application  (including in respect of your SLIDE Wallet) or the relevant iPAY Service, respectively. If you contact SLIDE or any  iPAY Service Provider via email, SLIDE or such iPAY 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 iPAY Application and/or any iPAY Service (“Cookies”) and SLIDE’s use of Cookies, as follows:  

14.7.1. to collect information about how you access and use the iPAY Application and iPAY Services;  

14.7.2. to identify your device for the following purposes:  

1. for the operation of the iPAY Application and the provision of the iPAY Services;  
2. to temporarily allow you to carry information between pages or interfaces of the iPAY  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 iPAY Application in order for you to carry out certain transactions;  

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

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

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

information when you return to the iPAY 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 iPAY 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 iPAY Services and features on the iPAY 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 or any other SLIDE Subsidiary of any Customer Information, for any purpose(s) requested by SLIDE  or such other SLIDE Subsidiary, by any form of writing or by the acceptance by you of any relevant terms and  conditions (including in these Terms and the SLIDE 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 or any other SLIDE Subsidiary from time to time, including as may be  described in the SLIDE Data Protection Policy.  

1. 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 iPAY Service) if the delay or failure was due to any Force Majeure Event.  

1. 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  iPAY Application (in whole or in part), your SLIDE Wallet and/or any of the iPAY 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 iPAY Website or make such notice available in any other manner  deemed appropriate by SLIDE.  

16.2. A iPAY Service Provider may at any time suspend (for such period as such iPAY 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 iPAY 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 iPAY Service Provider may at any time suspend (for  such period as such SLIDE or such iPAY 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  iPAY Application (in whole or in part), your iPAY Wallet and/or the relevant iPAY 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 iPAY 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 iPAY 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 iPAY 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 iPAY Application or any iPAY Service  (including for any unauthorised use or any criminal or illegal purpose);  

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

16.3.5. SLIDE or such iPAY 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 iPAY Application, your SLIDE Wallet or any of the iPAY 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 iPAY 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 or any SLIDE Subsidiary, or such iPAY 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 iPAY Service Provider (as the case may be) in  connection with these Terms or the relevant iPAY Service, respectively, is found to be false, misleading or  incorrect;  

16.3.11. you have, or SLIDE or such iPAY 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 iPAY Application or any or all of the iPAY Services,  or the relevant iPAY Service, respectively; and/or  

16.3.12. any representation or warranty made by you to SLIDE or such iPAY 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 iPAY 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 iPAY Service, you are required to submit  a request to SLIDE and the relevant iPAY 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 iPAY 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 iPAY 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 or any other SLIDE  Subsidiary in relation to any suspension or termination of your access to and use of the iPAY Application, your  SLIDE Wallet or any iPAY Service for any reason whatsoever.  

16.7. Any suspension or termination of your access to and use of the iPAY Application, your iPAY Wallet or any  iPAY 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 iPAY Service Providers under these Terms shall  be without prejudice to any other rights or remedies which SLIDE and each iPAY 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 iPAY Services, your SLIDE Wallet and/or the iPAY Application (as a whole):  

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

1. the licence granted by SLIDE to you to access and use the iPAY Application shall cease and  accordingly, you shall immediately cease all access to and use of the iPAY Application and all iPAY  Services, and shall not, and shall not assist, cause or permit any person to, access or use the iPAY  Application, your SLIDE Wallet or any iPAY Service in any way (such licence, and your access to and  use of the iPAY Application, your SLIDE Wallet and the iPAY 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 iPAY Application or pursuant  to any iPAY 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 SLIDE Subsidiary shall have any obligation to you in connection  with these Terms, the iPAY Application, your SLIDE Wallet or any iPAY Service;  

16.9.3. any and all sums due or accruing due or payable to SLIDE or any other SLIDE Subsidiary in  connection with these Terms and/or your access to and use of the iPAY Application, your  Wallet and any  iPAY Service, up to and including the date of suspension or termination (as the case may be) shall become  immediately due and payable to SLIDE or such other SLIDE 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 iPAY Services, your SLIDE Wallet and/or the iPAY 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  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 iPAY Services (but not iPAY as a whole):  

16.10.1. you shall not have any right, benefit or interest in connection with the relevant iPAY 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 iPAY Service,  and shall not, and shall not assist, cause or permit any person to, access or use such suspended or  terminated iPAY Service in any way (such access to and use of such iPAY 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  iPAY 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 and the other SLIDE Subsidiaries shall have any obligation to you in connection  with such suspended or terminated iPAY Service; and  

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

1. 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 SLIDE Data Protection Policy) by giving no less than 7 calendar days’  notice thereof to you, by posting on the iPAY Application and/or iPAY 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 iPAY Application and/or any iPAY 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.  

1. Waiver  

18.1. No failure to exercise or enforce, and no delay on the part of SLIDE or any SLIDE 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 or SLIDE Subsidiary at any time.  

1. Confidentiality  

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

1. 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. 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 iPAY 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 SLIDE 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.  

1. Notices and Correspondence  

21.1. All notices and communications by SLIDE and/or any SLIDE 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 and/or the relevant SLIDE 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 and/or the  

relevant SLIDE Subsidiary; or  

1. to any address outside Singapore, on the seventh (7th) day after it was posted by SLIDE and/or the relevant SLIDE 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.  

1. 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.  

1. 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.  

1. 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 11 May 2021