7. Transfer Service

1. To use the Transfer Amount Service, you must:
1. maintain a valid and active Wallet or account; and
2. complete identity verification (“KYC”) with us.
2. To initiate a Transfer Amount Transaction, you must submit a Transaction Request. When submitting a transaction request, you are required to provide any information we may request, including, but not limited to the Recipient’s contact details; and
3. You are solely responsible for ensuring, verifying, and warranting the truthfulness, accuracy, and completeness of all information provided in connection with the Transaction Request, including, but not limited to, the Recipient’s contact details.
4. Once a transaction request has been credited into the Recipient’s account, you will not be able to withdraw, cancel or make any changes to such Transaction Request.
5. We reserve the right, at our sole discretion, to reject, refuse to accept, process, or cancel any Transaction Request or Transfer Amount Transaction without providing a reason.
6. Upon our acceptance of a Transaction Request, the Recipient will be notified via email or SMS, based on the contact details you provided, confirming that the transfer has been credited to the Recipient's account.
7. We reserve the right, at our sole discretion, to modify or impose additional limits on the Transfer Amount(s) you may transfer, either per transaction or on an aggregated basis without prior notice.
8. You acknowledge and agree that you are solely responsible for providing accurate Recipient contact details to facilitate the Transfer Amount Transaction into the Recipient’s account. You also agree that it is the Recipient’s responsibility to safeguard and maintain the confidentiality of their own account information.
9. You hereby instruct and authorize us to debit your account, execute and transfer or if applicable FAST Transfer or procure the transfer of the Transfer Amount to the Recipient’s account.
10. The Recipient must hold a valid Wallet or account, request a One-Time Password (OTP) to enable the Transfer Amount Transaction to be credited, comply with any instructions we may provide, and complete the KYC (Know Your Customer) process to ensure the transfer amount is successfully credited into their Wallet or account.
11. If a Transfer Amount Transaction is unsuccessful but the Transfer Amount has already been debited from your Wallet or account, we shall reverse the Transfer Amount back to your Wallet or account.
12. You acknowledge and agree that, for the purposes of providing the Transfer Amount Service, we will access and use the information in your Wallet or account to facilitate transaction. By using this service, you consent to and authorize us to access and utilize these information to provide the Transfer Amount Service, including contacting your designated recipients through the provided information, via private emails sent through your Wallet or account, on your behalf.
13. We reserve the right to impose or adjust charges for the use of the Transfer Amount Service, FAST Transfer and/or the account with prior written notice. Any added charges or revisions will take effect on the date stated in the notice. By continuing to use the account or submitting any transaction requests after such notification, you are deemed to have accepted these charges or revisions.
14. We expressly disclaim all guarantees, representations, warranties, conditions, terms or undertaking of any kind, whether express or implied, statutory or otherwise, related to the use of the Transfer Amount Service, the processing of any Transaction Request, or any aspect of any Transfer Amount Transaction. Without prejudice to the foregoing, the acceptance of your Transaction Request does not constitute a representation, warranty, or obligation on our part to process the Transfer Amount Transaction or transfer the specified amount to the Recipient. Furthermore, we do not represent or warrant that:
1. the Transfer Amount will be successfully transferred to the Recipient’s account; or
2. the Transfer Amount will be credited to the Recipient’s account within 7 days of the Transaction Request.
3. the Transfer Amount Service will meet your requirements;
4. the Transfer Amount Service will be consistently available, accessible, functional or interoperate with any network infrastructure, system or any other services provided by the Wallet from time to time; or
5. your use of the Transfer Amount Service or Wallet’s processing of any Transaction Request or Transfer Amount Transaction will be uninterrupted, timely, secure or free of any virus or error.
15. You acknowledge and agree that, to the extent permitted under applicable law, we shall not be liable to you for any and all losses, liabilities, costs, expenses, damages, claims, actions or proceedings of any kind whatsoever (whether direct, indirect or consequential) in respect of any matter of whatever nature and howsoever it may arise (whether in contract, tort, negligence or otherwise) in connection with:
1. the provision by us of or your use of the Transfer Amount Service and/or the Wallet or account;
2. the processing of any Transaction Request or Transfer Amount Transaction;
3. any Transfer Amount Transaction being unsuccessful or considered as unsuccessful or any Transfer Amount not having been transferred to the Recipient’s wallet or account or transferred to a recipient other than the intended recipient, regardless of whether due to your negligence, misconduct, breach of these terms (including any inaccuracy in information provided by you), or other reasons;
4. any failure, refusal, delay or error by any third party or third-party system facilitating the Transfer Amount Transaction;
5. any unauthorised access of the Wallet or account;
6. the use in any manner and/or for any purpose whatsoever by any individual or entity at any time whatsoever and from time to time of any information or data:
1. relating to you and/or any Recipient;
2. transmitted through your use of the Transfer Amount Service and/or the Wallet or account; and/or
3. obtained through your use of the Transfer Amount Service and/or the Wallet or account;
7. any event beyond our control, despite reasonable diligence; and/or
8. the suspension, termination or discontinuance of the Transfer Amount Service.
16. To the extent that any of the limitations are not permitted by law, our liability to you for any losses, damages, or liabilities arising from or in connection with each Transfer Amount Transaction, whether in contract, tort (including negligence or breach of statutory duty) or otherwise related to our provision of the Transfer Amount Service and/or Wallet or account and/or these terms, shall be limited to the value of the applicable Transfer Amount Transaction.
17. You represent and warrant that, in relation to each Transfer Amount Transaction, you have obtained the necessary consent from the relevant Recipient to disclose such Recipient’s Personal data, including contact details to us. Additionally, you also consent to our use and disclose such Recipient’s Personal data, including contact details to contact the Recipient in the manner set out in paragraph 6 as required for the purposes of the Transfer Amount Service.
18. We shall be entitled to exercise any of our rights and remedies under these terms and conditions governing online transaction services (including the right to withdraw, restrict, suspend, vary or modify Transfer Amount Service (whether in whole or in part).
19. We will refund any benefit we receive as a result of any breach of our agreement with you. For example, where a money transfer fails in such circumstances, we will refund the Transaction Amount and the Fees. We do not, in any event, accept responsibility for:
1. any failure to perform your instructions as a result of circumstances which could reasonably be considered beyond our control;
2. malfunctions in communications facilities which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to us;
3. any losses or delays in transmission of messages arising from the use of any internet service provider or caused by any browser or other software that are not under our control; and
4. errors on the website or with the Services caused by incomplete or incorrect information provided to us by you or a third party.

1. You may only receive the Transfer Amount by submitting a request using:
1. the unique URL which may be accessed via the email or SMS provided to you informing you of the Transfer Amount Transaction; or
2. such other manner as may be prescribed by us in the email or SMS provided to you informing you of the Transfer Amount Transaction, and by complying with such instructions as may be set out therein.
2. In order to receive the Transfer Amount, you must:
1. have a wallet account; and
2. have passed the KYC process by us.
3. You are solely responsible for ensuring and warranting the truthfulness, accuracy and completeness of all information provided in your request to receive the transfer amount and/or when using the Transfer Amount Service, including but not limited to the details of your designated wallet account. In addition, you represent and warrant that you are the intended Recipient of the Transfer Amount and that the legal and beneficial holder of the designated wallet account to which the Transfer Amount is to be credited.
4. We shall be entitled, at our absolute discretion, to reject or refuse to process any request receive the Transfer Amount and shall not be required to give any reason for the same.
5. Upon successful verification of the OTP, we shall endeavour to credit the Transfer Amount to your wallet account.
6. If the Transfer Amount Transaction cannot be or is not completed for any reason, we shall not be liable to you in respect of the incomplete transfer amount transaction, including without limitation, your nonreceipt of the Transfer Amount.
7. We expressly disclaim any guarantees, representations, warranties, conditions, terms or undertaking of any kind, whether express or implied, statutory or otherwise, related to or arising from the use of the Transfer Amount Service or in relation to the processing of or any other matter relating to a request to receive the Transfer Amount. Without prejudice to the foregoing, your possession or provision of the security code does not constitute representation or warranty by us nor does it impose any obligation on us, to credit the Transfer Amount to your wallet account. We do not represent or warrant that:
1. the one-time password (“OTP”) sent to your mobile is invalid or has ceased to be valid; or
2. any information provided by you is invalid or incorrect;
3. the Transfer Amount Service will meet your requirements;
4. the Transfer Amount Service will always be available, accessible, function or interoperate with any network infrastructure, system or such other services as we may offer from time to time; or
5. your use of the Transfer Amount Service or our processing of a request to receive the Transfer Amount will be uninterrupted, timely, secure or free of any error, including without limitation that you will receive the transfer amount or that you will receive the Transfer Amount in a timely manner.
8. You acknowledge and agree that, to the extent permitted under applicable law, we shall not be liable to you for any and all losses, liabilities, costs, expenses, damages, claims, actions or proceedings of any kind whatsoever whether direct, indirect or consequential in respect of any matter of whatever nature and howsoever arising (whether in contract, tort, negligence or otherwise) in connection with:
1. the provision by us of or your use of the Transfer Amount Service;
2. the processing of a request to receive the Transfer Amount;
3. any Transfer Amount Transaction being considered as incomplete or any Transfer Amount failing to be credited to your designated wallet account or transferred to a recipient other than you, whether or not arising from:
1. your negligence, misconduct or breach of any of these terms (including as a result of inaccurate information being provided by you); or
2. any failure, refusal, delay or error by any third party or third party system through whom or which the transfer amount transaction is made;
4. the use in any manner and/or for any purpose whatsoever by any person at any time whatsoever and from time to time of any information or data relating to you, provided by you in the course of using the Transfer Amount Service; and/or obtained through your use of the Transfer Amount Service;
5. any event the occurrence of which wallet is not able to control or avoid by the use of reasonable diligence; and/or
6. the suspension, termination or discontinuance of the Transfer Amount Service.
9. We shall not be liable and you agree to indemnify use and hold us along with our payment services indemnified against any consequences, claims, proceedings, losses, damages or expenses (including all legal costs on an indemnity basis) whatsoever and howsoever caused that may arise or be incurred by us in providing the Transfer Amount Service, whether or not arising from or in connection with and including but not limited to the following:
1. any improper or unauthorised use of the Transfer Amount Service by you;
2. any act or omission by any relevant mobile or internet service provider;
3. any delay or failure in any transmission, dispatch or communication facilities;
4. any access issues (or inability or delay in accessing) and/or use of the Transfer Amount Service; or
5. any breach by you of any warranty under or provision of these terms.

8. Transaction History

9. Disputes and Erroneous Transactions

10. Multi-Currency Wallet Terms

1. you are permitted to deposit any Permitted Foreign Currency into the Multi-Currency Wallet without such Permitted Foreign Currency being converted to another currency;
2. in the event you wish to deposit Foreign Currency that is not a Permitted Foreign Currency into the Multi-Currency Wallet, you authorize us to convert such Foreign Currency into such Permitted Foreign Currency (based on such rates as may be determined by us from time to time) as we deem appropriate in our absolute discretion and deposit such funds into the Multi-Currency Wallet;
3. only one mandate should be provided for each Multi-Currency Wallet. If any Instructions are given to us are not denominated in the Mandate Currency, you authorize us to convert such Instructions into the Mandate Currency (based on such rates as may be determined by us from time to time) as we deem appropriate in our absolute discretion and we shall have the absolute discretion whether to act on such Instructions; and
4. in the event where there is more than one Mandate Currency and any Instructions are given to us are not denominated in any of the Mandate Currencies, you authorize us to convert such Instructions into any of the Mandate Currencies at our absolute discretion (based on such rates as may be determined by us from time to time) as we deem appropriate in our absolute discretion and we shall have the absolute discretion whether to act on such Instructions.

Part 3: General

11. Applications and Activation

1. You are at least eighteen (18) years of age;
2. You are eligible to register and use Wallet and Services, and you have the legal right, authority, and capacity to enter into and fulfil the obligations under these terms and conditions;
3. You provide us with true, accurate, current and complete evidence of your identity, and promptly update your personal (for an individual) or corporate (for corporate customers) information if and when it changes. Upon application, you accurately complete the account opening form must be submitted to facilitate the account opening process. As such, necessary documents, in physical or electronic form must be provided to us to facilitate the account opening procedure. If you are a business entity, an Authorised Representative must establish an enterprise account on your behalf.
4. You will update your personal (for an individual) or corporate(for corporate customers) information, including current email address; and
5. You will not impersonate any other individual, operate under an alias or otherwise attempt to conceal your identity. We will use the information you provide, as well as the information that we receive from the use of the Wallet and Services, to facilitate your participation in the services and for other purposes consistent with our privacy policy.

12. Fees

1. Any estimate provided by us upon the submission of your request; and
2. The applicable notification issued by us and/or the Website via email or SMS.

1. the highest official conversion rate published by a government agency, or
2. the highest interbank conversion rate identified by us from customary banking sources on the conversion date or the prior business day. This conversion rate may differ from rates in effect on the day of your transactions.

13. Your Information and Consent

1. record telephone conversations between you and us and
2. use such recordings, or electronic transcripts from such recordings, as evidence in any dispute or anticipated dispute. To ensure quality of customer service, you agree to allow us to monitor telephone calls between you and us from time to time.

1. To any of our agents, subcontractors, partners or affiliates which have a legitimate business purpose for obtaining such information, including offering you products or services in connection with or to facilitate the use of the services;
2. To any of our agents, personnel, subcontractors or any other third party as we may consider necessary in order to give effect to any electronic instructions or transaction or to comply with any order or request of any court or governmental or regulatory authority in any jurisdiction;
3. To any of the following where such disclosure is reasonably regarded by us to be necessary to complete any transaction or to carry out the electronic instructions;
4. To any person using the services purporting to be you; and
5. To any information gathering or processing organisation or department conducting survey(s) on our behalf; and
6. To third parties for the purpose of statistical or trade analysis.

14. Electronic Instructions and Your Responsibilities

1. Access to and use of password-protected and/or secure areas or features of the services are restricted to authorised users only. You may not obtain or attempt to obtain unauthorised access to such parts of the services, or to any other protected information, through any means not intentionally made available by us for your specific use.
2. You will be required to select or designate a password, personal or logon identification number and other code and/or adopt certain access or security procedures (such items to be referred to as “security code”) for use in connection with access to the services or use of the facilities provided through the services. You hereby agree to keep the security code confidential. You are to notify us immediately if you have knowledge that or have reason for suspecting that the confidentiality of the security code has been compromised or if there has been any unauthorised use of the security code.
3. You agree to be bound by any access or use of the services that is associated with your security code, whether such access or use is authorized by you or not. You agree and acknowledge that any use of or access to the services referable to your security code and any electronic instructions shall be deemed to be, as the case may be:
1. access or use of the services by you; or
2. electronic instructions transmitted or validly issued by you. You therefore agree and acknowledge that any use of or access to the services and any information or data referable to your security code shall be deemed to be (a) use or access of the services by you; or (b) information or data transmitted or validly issued by you and you agree to be bound by any access or use (whether such access or use are authorised by you or not) referable to your security code, and you agree that we shall be entitled (but not obliged) to act upon, rely on or hold you solely responsible and liable in respect thereof as if the same were carried out or transmitted by you.

1. verify the authenticity thereof.
2. decline to act on electronic instructions if they are ambiguous, incomplete, or inconsistent with any other instructions, information, or data provided by you.
3. decline to act on electronic instructions if processing them would cause you to exceed applicable transaction limits; or
4. decline to act on the electronic instructions where we did not receive authorisations from other banks or financial institutions in the form required by use; and

1. disruption, failure, or delay relating to or in connection with the use of your account due to circumstances beyond our control; fortuitous events such as, but not limited to, prolonged power outages, breakdown in computers and communication facilities, computer related errors, system errors, system enhancements, system migration and integration, typhoons, floods, public disturbances and calamities, any action taken by a Government or public authority including imposing embargo, export or trade restriction or other restriction or prohibition caused by a “Epidemic” or “Pandemic” outbreak, riots, strikes and work stoppages, delays by third-party vendors, any acts of Gods and unforeseen circumstances and other similar or related cases;
2. fraudulent or unauthorized utilization of your account due to unauthorized disclosure, or breach of its security or confidentiality with or without your participation; or
3. inaccurate, incomplete, or delayed information received by us due to disruption or failure of any communication facilities or electronic device used for your account.

15. Suspension, Cancellation, Termination, Nonrenewal

1. refuse approval of any proposed transaction even if the Wallet has sufficient balance;
2. terminate or cancel your right to use your account, Wallet and Services;
3. increase or decrease the transaction limit;
4. refuse reissuance, renewal, or replacement of Wallet; or
5. introduce, amend, vary, restrict, terminate, or suspend the benefits, related services, facilities, and privileges in respect of or in connection with your account, Wallet.

1. You do not follow our instructions in connection with your Wallet account or Services or you do not comply with any applicable law;
2. We believe you have (i) offered, promised or given any bribe; or (ii) agreed to receive or accepted any bribe;
3. In our opinion, any Wallet account is not operated in a proper or regular manner;
4. In our opinion, a business relationship with you is no longer appropriate;
5. You have breached, any term in these terms and conditions, or any other agreement whether relating to the borrowing of funds or the granting of advances or credit or otherwise;
6. You have given us untrue, inaccurate, incomplete or misleading information;
7. You do not pay on time any amount due to us;
8. In the event of your death or become incapacitated;
9. You become insolvent or bankrupt or subject to judicial proceedings;
10. Your assets are in jeopardy or subject to enforcement of a judgment by any party;
11. Any legal proceeding (civil or legal) or action (including garnishee order, writ of seizure and sale, injunction) is commenced or levied against you, or you have been convicted of a crime, or you or any security provider has acted inappropriately;
12. Anything happens which, in our opinion, may have a material or adverse effect on your financial condition, assets or compliance with the terms of these terms and conditions;
13. Any other event of default occurs under any other agreements or arrangements between us;
14. Any of the events or proceedings under this clause occurs in relation to any third party who has agreed to provide or is providing security;
15. It would constitute a breach of our agreement with any other party;
16. It is necessary for us to do so in order for us to meet any obligation, either in Singapore or elsewhere in the world, in connection with the prevention of fraud, money laundering, terrorist activity, bribery, corruption or tax evasion, or the enforcement of economic or trade sanctions; or
17. It is unlawful for us to continue to provide wallet account or any service or allow the use of the card.

1. All rights and benefits granted to you shall immediately be terminated and shall revert to us;
2. You are prohibited from using your Wallet in any unauthorized manner;
3. We reserve the absolute discretion to refrain from acting on any confirmation or request received from you after the effective date of termination.
4. We reserve the absolute discretion to refrain from acting on any confirmation or request received by us in the period between the date notice is given to you and the effective date of termination if there is a time lapse between these two dates.

16. Intellectual Property Rights

1. Use any robot, spider, scraper or other automated device to access the QMB website or the QMB services; and/or
2. remove or alter any copyright, trademark or other proprietary notice or legend displayed on our website (or printed pages of the website). The name QMB and other names and indicia of ownership of our products and/or services referred to on the QMB website are proprietary marks exclusively owned by us or other third parties. Other product, service and company names appearing on the website may be trademarks of their respective owners.

17. Notices

1. Ordinary or registered post to your last known address according to our record;
2. Electronic mail to your last known electronic mail address according to our record;
3. Posting notice or communication on the wallet website;
4. Notices placed with or in any of the wallet written communications to you;
5. Phone call to your last known phone number according to our records;
6. Notices placed through any media; or
7. Any manner of notification as we may at our absolute discretion determine.
8. Unless otherwise expressly provided in writing, our notices and communications to you are effective:
1. If sent by post to an address within your country, the following business day after posting;
2. If sent by post to an address outside of your country, 5 business days after posting;
3. If sent by fax, electronic mail or SMS, at the time of transmission;
4. If sent by hand, at the time of delivery or when left at the address;
5. If posted on our website, on the date of display or posting;
6. If advertised in the newspaper, on the date of advertisement; and
7. If broadcast via radio or television, on the date of broadcast.

18. Promotional Offers, Advertisements, and Surveys.

19. Consent to broadcast and sending of push messages

20. Compliance

21. Limitation of Liability

1. the accuracy, adequacy or completeness of the services, and expressly disclaim any liability for errors, delays or omissions on the Website, or for any action taken in reliance on the Website;
2. that the services will be provided uninterrupted or free from errors, or that any identified defect will be corrected, nor that the services and the Website are free from any computer virus or other malicious, destructive or corrupting code, agent, program or macros. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of noninfringement of third-party rights, title, merchantability, satisfactory quality or fitness for a particular purpose, is given in conjunction with the services. In particular, you should be aware that where services are initiated or accessed via SMS, your mobile network operator’s confirmation that any SMS you sent has been sent to us or our service provider does not guarantee that we have executed, or even received, the electronic instructions contained within such SMS.

1. Any failure to perform your instructions as a result of circumstances which could reasonably be considered to be outside our control;
2. Malfunctions in communications facilities which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to us;
3. Any losses or delays in transmission of messages arising out of the use of any internet service provider or caused by any browser or other software which is not under our control; and
4. Errors on the website or with the service caused by incomplete or incorrect information provided to us by you or a third party.

22. Non-waiver of Rights

23. Other Means of Communication

24. Assignment of Aaiver

25. Complaints

26. No Deposit Insurance Coverage

27. Disclosure

28. Severability Clause

29. Dispute Resolution

30. Miscellaneous

1. Any wallet account, Services or transaction;
2. Acting on or carrying out or delaying or refusing to act on any instruction you give us; and
3. Enquiries we make in connection with you, or a security provider;
4. The provision of any service to you and the performance of our functions;
5. Any service provided by any third party;
6. Any default or the preservation or enforcement of our rights under the terms of these terms and conditions or any other applicable terms and conditions in connection with any wallet or related services or as a result of your noncompliance with any of these terms;
7. Any action by us or any party against you relating to any Wallet, wallet account or Services;
8. Any involvement by us in any proceeding of whatever nature for the protection of or in connection with the Wallet, wallet account or Services;
9. Our compliance with any existing or future law or regulation or official directive in respect of any of these terms;
10. Taxes payable by us in connection with your wallet account; and
11. Any increased cost in our funding if there is a change in law or circumstances.

31. Account Holder to provide contact information and monitor notifications

1. where the Account Holder has opted to receive transaction notifications via SMS, they must provide a Singapore mobile phone number; or
2. where the Account Holder has opted to receive notification by email, hey must provide a valid email address.

32. Transaction Notifications

1. the Transaction Notification will be sent to your contact address. If you have provided more than one contact address to us, the Transaction Notification will be sent to every contact address selected by you to receive such notifications.
2. the Transaction Notification will be sent on a real time basis for each transaction or on a batched basis at least once every 24 hours to consolidate every notifiable transaction made in the past 24 hours. We may but are not obligated to send both real time notifications and daily batched notifications to you.
3. the Transaction Notification will be conveyed to the Account Holder by way of SMS or email. An in-app notification will be accompanied by an SMS or email notification that meets the deadline in sub-paragraph (b) above.
4. the Transaction Notification will contain the following information, but we may omit any confidential information provided that the information provided to you still allows you to identify the transaction as being an authorized transaction or Unauthorized Transaction:
1. information that allows you to identify the Protected Account such as the Protected Account number;
2. information that allows you to identify the Recipient whether by name or by other credentials such as the Recipient’s account number;
3. information that allows us to identify you, the Protected Account, and the recipient account such as each account number or name;
4. transaction amount;
5. transaction time and date;
6. transaction type;
7. if the transaction is for goods and services provided by a business, the trading name of the merchant and where possible, the merchant’s reference number for the transaction.

33. Account user to protect access codes and access to protected account

1. voluntarily disclose any Access Code to any third party;
2. disclose the Access Code in a recognizable way on any Wallet, Authentication Device, or any container for the Wallet; or
3. keep a record of any Access Code in a way that allows any third party to easily misuse the Access Code.

1. keeping the record in a secure electronic or physical location accessible or known only to the Account User; and
2. keeping the record in a place where the record is unlikely to be found by a third party.

1. update the device’s browser to the latest version available;
2. patch the device’s operating systems with regular security updates provided by the operating system provider;
3. install and maintain the latest anti-virus software on the device, where applicable; and
4. use strong passwords, such as a mixture of letters, numbers and symbols.

34. Report and provide information of Unauthorized Transactions

1. by reporting the Unauthorized Transaction in the communications channel as set out in this agreement; or
2. by reporting the Unauthorized Transaction to us in any other way and where we acknowledge receipt of such a report.

1. the Protected Account affected;
2. your identification information;
3. the type of Authentication Device, Access Code and device used to perform the payment transaction;
4. the name or identity of any Account User for the account;
5. whether an account, Authentication Device, or Access Code was lost, stolen or misused and if so:
1. the date and time of the loss or misuse,
2. the date and time that the loss or misuse, was reported to us, and
3. the date, time and method that the loss or misuse, was reported to the police;
6. where any Access Code is applicable to the account,
1. the manner in which you or any Account User has recorded the Access Code, and
2. whether you or any Account User has disclosed the Access Code to any other individual; and
7. any additional information related to the Unauthorized Transaction of which you are aware.

35. Recipient credential information

1. information that allows the Account User to identify the Protected Account to be debited;
2. the intended transaction amount;
3. credentials of the intended recipient that is sufficient for the Account User to identify the recipient, which at the minimum should be the recipient’s phone number, identification number, account number or name as registered for the purpose of receiving such payments; and
4. a warning to ask the Account User to check the information before executing the payment transaction.

36. Reporting channel

1. The reporting channel may be a manned phone line, phone number to receive text messages, online portal to receive text messages, or a monitored email address.
2. Any person who makes a report through the reporting channel will receive a written acknowledgement of his report through SMS or email.
3. We will not charge a fee to any person who makes a report through the reporting channel for the report or any service to facilitate the report.
4. The reporting channel shall be available at any time every calendar day, unless it is a manned phone line, in which case that reporting channel shall be available during business hours every business day.

38. Claim Investigation

38. Liability for losses arising from Unauthorized Transactions

1. fraud or negligence by us, our employee, our agent or any outsourcing service provider contracted by us to provide our services through the Protected Account;
2. non-compliance by us or our employee with any requirement imposed by a regulatory authority on us in respect of our provision of any financial service;
3. non-compliance by us with any duty set out in this agreement.

39. Specific duties in relation to Erroneous Transactions

1. where we are the FI of Account Holder:
1. within two business days of receiving the necessary information from you under this section, we shall inform the recipient FI of the erroneous transaction;
2. within seven business days of informing the recipient FI, we shall ask the recipient FI for the recipient’s response and provide you with any new relevant information to allow you to assess if you should make a police report about the erroneous transaction.
2. where we are the FI of the wrong recipient:
1. within two business days of receiving the necessary information about any Erroneous Transaction, we will:
1. Inform the recipient of the erroneous transaction and provide any necessary information to enable the recipient to confirm whether the transaction was indeed erroneous;
2. Request instructions from the recipient on whether to return the sum sent in error to you; and
3. Notify the recipient that retaining or using funds transferred in error, after being informed of the erroneous transaction, constitutes an offense under the Penal Code.
2. within five business days of receiving the necessary information about any erroneous transaction, we will:
1. Ask the recipient for instructions whether to return the erroneously transferred sum back to the Account Holder; and
2. Notify the other Financial Institution (FI) of the recipient’s response, including lack of response.

1. all such information that we may request as set out in section 34.3 except limbs (e), (f) and (g);
2. the recipient’s unique identifier, including account number, identification number, name or other credentials entered by the Account User; and
3. the date, time, amount, and purpose of the erroneous transaction as far as such information is known to you.

Schedule 2: Fees & Charges Table

*subject to changes from provider