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Terms and Conditions are updated as at19July 2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 19Julai2021)USER TERMS AND CONDITIONS (ENGLISH VERSION)*You may find the Bahasa Malaysia versionlocated at the end of this English Version. Anda bolehmendapatkanversi BahasaMalaysiadiakhirVersiBahasaInggerisini.This Service (hereinafter defined) is made available by TNG DigitalSdn Bhd,RegistrationNumber:201701042478(1256651-M) (“TNGD”) subject to the Terms and Conditions herein (“Terms and Conditions”).You acknowledge that you have read and fully understood these Terms and Conditionsprior to your accessto and use of the Service. Your Activation and use of the Service constitutesyourunconditional acceptance ofthese Terms and Conditions as may be amendedby TNGDfrom time to time. Any person that you allow to accessthe Service using your Account shall also be bound bythese Terms and Conditions.If you do not accept theseTerms and Conditions, please do not continue with the registration processor Activation.DefinitionsFor the purpose of these Terms and Conditions, the following terms shall have the meanings as defined below:-“Account”meanstheMobile Paymentaccountcreated with TNGDwhenyou registerforthe Service;“Account Limit”meansthe maximum limit for the Account which shall be the sum of Ringgit MalaysiaTwo Hundred (RM200.00) only,Ringgit Malaysia Five Thousand (RM5,000.00) only,or Ringgit Malaysia Twenty Thousand (RM20,000.00) only,as the case may be. TNGDreserves the right to revise the Account Limit;“Activation”means the point in time when the Serviceis activated in the Mobile PaymentSystem;“Alipay Connect”means the feature in the TNG eWallet which allows youto make payment to selected merchants overseas using your TNGeWallet;“AMLATFPUAA”means Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of UnlawfulActivitiesAct 2001 and includes the subsidiary legislation, guidelines, policies and othersimilar documents issued by the relevant federal or local authority and provisions of statute include such statutes and provisions as modified, recertified or re-enacted;“Auto Debit”means a service whereby a user instructs TNGD via the Touch ‘n Go eWalletrequesting and/or authorizing TNGD to collect payment(s) in varying amounts (subject to the discretion and limits of TNGD) from his or her Touch ‘n Go eWallet and thereafter all relevant payment(s) will be
Terms and Conditions are updated as at19July 2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 19Julai2021)deducted automatically (without TNGD having to seek additional authorization from that User) from that User’s Account or other funding methods “linked” to such Account to be paid to the relevant merchant(s);“Auto Reload”means thefeature in the Mobile App which allows you to enable yourregistered creditcardto be automatically charged to reload your Accountwhenever your Available Balance falls belowa minimum amount selected by you;“Available Balance”means the amount of money which is standing in credit in your Account, which is available for your use subject to the Account LimitandTransaction Limitherein imposed;“Bank"means the authorised Bank appointed by TNGDto act as a remittance agent for the Service;“CSA”means TNGD’s customer service agent which can be contacted at+603 5022 3888;“Account Verification(eKYC)”means theelectronic process tovalidate the identity of auserby verifying the personal details of theuser;“Face Verification”meansa facial recognition and authentication technologywhich can be used to replace other authentication methods;“GO+”means a new TNG eWallet feature which allows the balance in your GO+ account to earn potential returns. The underlying fund for GO+ is Principal e-Cash –a money market fund managed by Principal Asset Management Berhad that aims to provide investors with liquidity and income. The balance in the GO+ account should not be treated as E money, deposit; and is neither capital guaranteed nor capital protected by PIDM;“Investment Products”meansany financial instrument and/or investment which may pay interest, dividends or the user may earn profit from such financial instrumenteither from TNGD or any investment partners and/or merchants;“Mini Program” or “Mini Program Platform”means an “appeco-system” application known as the mini program residing on the Touch n’ Go eWallet on which merchants may: (i)have access to various services provided by TNGD, including but not limited to, development functions
Terms and Conditions are updated as at19July 2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 19Julai2021)and features for the purposes of creating“sub-applications” on the Mini Program Platform; and (ii)to promote and provide their goods and/or services to Users;“Mobile Payment”means the electronic money (e-money) services via Mobile App offered by TNGD to you;“Mobile PaymentSystem”means the Mobile Paymentsystem used by TNGD to provide the Service including the payment system platform commissioned by TNGD to facilitate the payment of goods and services;“Manual Reload”means the feature in the Mobile App which allows you to manually reload your Accountincluding but not limited tothe following manner whenever your Available Balance falls below the Account Limit:-(a)via debit or credit card;(b)via online banking;(c)viaTNG Reload Pin;or(d)via any other method which may be determined byTNGD from time to time;“Merchant Dashboard”means the dual feature in the TNG eWallet which allows static QR merchants to track sales transactions and history record and to further allow selected staff to access such information;“Mobile Application/Mobile App/ Touch ‘n Go eWallet / TNG eWallet”meansthesoftwareapplications that run on MobileDevices;“Mobile Device”means a portable computing device such as a smartphone or tabletused by you for the Service;“Money Transfer”meansthe feature of the Mobile App which allows for the transfer ofmoney from one Touch ‘n Go eWallet account to anotherTouch ‘n Go eWalletaccount; “Personal Information/Data”means yourinformation/data collected by TNGDfor the provisionof the Service,either directly or indirectly,including but not limited to your name, address details, telephone number and others;“Quick Payment”means thequick paymentfunction in the Mobile App which allows you to use a saved debit or credit card to be automatically charged to reload you Account wherever you make any applicable transactionsand there is insufficient Available Balance in your Account;
Terms and Conditions are updated as at19July 2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 19Julai2021)"Quick ReloadPayment"means the quickreloadpayment function in the Mobile App which allows you to use the funds available in GO+ to be automatically reloaded to yourAccount wherever you make any applicable transactionsand there is insufficient Available Balance in your Account;"Reload"means the depositof money intothe Account (subject to the Account Limit) via the Reload / Payment Channels to enable you to usethe Service;"Reload / Payment Channels”means such channels(including but not limited to the relevant service counters,Auto Reload,Manual Reloadand any other method as may be prescribed by TNGD from time to time) as may be designated by TNGDwhere you can make Reload and/or Payment transactions;“RFID”meansa system that uses Radio Frequency Identification;“RFID Tag”means the tag that is attached to the vehicle of the Customer or userwhich enables the usage of RFID in Malaysia which the sum is subsequently deducted from your Available Balance;“RFID User”means a customer or user who has successfully registered for RFID Tag in their vehicles to allow them to perform toll paymentand other payments utilizing RFID;“Retail”means payment for purchase of goods and/or services via online websites (e-commerce), mobile applications, static QR code, payment at point-of-sale (POS) terminals,Mini Program,and any other method of payment for goods and/or servicesprovided by merchants locally or overseas;“Service”meansthe provision of the Accountandtheenablingofthe Transactions; “Terms and Conditions”means these terms and conditions for the Service as may be varied or modified from time to time at TNGD’s sole discretion;“TNG”means Touch ‘n Go Sdn Bhd (Company No. 406400-X);“TNG Card”means the prepaid electronic cash card issued by TNG; “TNG Reload Pin”means the physicalor digitalreload pin(maximum 16 digits)which can be used to Reload your Account;
Terms and Conditions are updated as at19July 2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 19Julai2021)“Transaction”meansthe Mobile Paymenttransaction performed by you via the Service including but not limited toRetail, Money Transfer, Investment Products,and/or Transportation; "Transaction Limit" means the transactionlimitin accordance with Clause 1.6herein;“Transit”means LRT, Monorail, KTM, bussesand any other method of public transportation;“Transportation”means RFID, PayDirect function, Transit and other forms of transportation as may be determined by TNGD from time to time; and“Working Day”means a day other than (a) a Saturday and a Sunday; and (b) any other day declared by the government and the stategovernment as a public holiday.1. Use of the Service (A)The Account1.1The Service is made available to youby TNGDat its sole and absolute discretionto enable you toperform the Transactions.1.2To use the Service, you need to download the Mobile PaymentApp on your Mobile Device and create the Account with TNGD. Once the Account is created, you will have an Account Limit of Ringgit MalaysiaTwo Hundred (RM200.00) only. 1.3You may increase yourAccount Limit to Ringgit Malaysia Five Thousand (RM5,000.00) onlyby successfully completing theAccount Verification(eKYC)process. You may increase your Account Limit to Ringgit Malaysia Twenty Thousand (RM20,000.00)onlyafter successfully completing the Account Verification (eKYC) process and by using any of our financial services products.1.4Linking of Credit and/or Debit Card–You hereby understand and acknowledge that upon linking your credit and/or debit card to the Account, you shall be solely responsible and liable for all Reload(s) that may occur.1.5You hereby undertake that any and all Reload shall be from (1) your own personal source of funds or you have all legal authority and permission to use those funds, and (2) such funds are not illegal.1.6Source of fund from credit card reload may not be usedfor Money Transfer, transfer to external accounts(bank accounts or other e-wallets), Investment Products(such as but not limited to GO+), and/or any other products as TNGD may prescribe from time to time. Such prohibited usage may result in your Account (or any part thereof, including any benefits under the Service) being limited, suspended, and/or terminated.
Terms and Conditions are updated as at19July 2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 19Julai2021)1.7Monthlyand AnnualTransaction Limit shallbe as follows:Account LimitRM200.00RM5,000.00RM20,000.00Monthly Transaction LimitRM4,999.99RM5,000.00RM20,000.00Annual Transaction LimitRM59,999.99RM60,000.00RM300,000.00The Monthly Transaction Limit shall not be inclusive of Transportation1.8Thelimitation of theMoney Transfer function shallbe applicable as follows:Account TypeTransfer of Money OutReceiving MoneyRM200.00 limitNot allowedAllowedRM5,000.00 limitAllowedAllowedRM20,000.00 limitAllowedAllowed1.9In the event of any issues with theAccount Verification(eKYC)function, kindly contact the CSA for assistance. 1.10In the event any selected merchant(s)may provide a refundoptionin relation tothe payment for any purchase of goods and/or services in accordance with itsafter-sale service policy, such refund shall besubject to the following:1.10.1The refund process shall be subject to themerchant’s refund policy and any terms and conditions imposed on such refunds; 1.10.2Your Account must be active; and1.10.3In the event yourAccount balance would exceed the Account Limit of RM5,000.00 after the completion of the refund process, the refund process will automatically fail. You would then be required obtain a different refund methodor processfrom the merchant. 1.11PayDirectFunction1.11.1The PayDirectfunction allows you to link your TNG Card to your Account. Upon successfully completing the linking process of your TNG Card, you may perform the following:1.11.1.1check your TNG Card balance; and 1.11.1.2check your TNG Card transaction; and1.11.1.3when you perform selected transactions with your TNG Card, the transaction amount will be deducted from your Available Balance. In
Terms and Conditions are updated as at19July 2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 19Julai2021)the event your Available Balance is not sufficient, the transaction amount will then be deducted from your TNG Card. 1.11.2Pursuant to the PayDirect function, you hereby undertake and agree that upon linking your TNG Card to yourAccount, you permit and authorize TNGD to deduct the relevant sums from your Account to be paid to TNG and/or the relevant merchant(s) upon usage of the linked TNG Card. 1.11.3In the event you had utilized the PayDirect function without the sufficient Available Balance and such sums were not deducted from your TNG Card due to any reason whatsoever, the said sums will be automatically deducted upon your Account having the necessary Available Balance. 1.11.4You may delink your TNG Card using the remove card function. Kindly take note however that it may take up to 24 hours to complete the delinking process and during such period, you shall still be liable for any payment incurred using the PayDirect function. 1.11.5The usage of the PayDirect function shall be further subject to the TNG Card’s terms and conditions as issued by TNG and which may be amended from time to time. You further agree and undertake to comply with the terms and conditions imposed by TNG. The said terms and conditions of the TNG Card can be found at www.touchngo.com.my.1.11.6TNGD shall only be responsible for any funds deducted from your Account. For any issues or deductions from the TNG Card, kindly contact TNG. 1.12In the event you intend or have subscribed to the Auto Reload function, you hereby confirm, consent and irrevocably authorize TNGD to charge your credit card account, for the preset reload sum whenever the Auto Reload function is utilized. You further agree and undertake to comply with the terms and conditions imposed by the issuer of the credit card. For the avoidance of doubt, in the event your Auto Reload request is declined due to any reason whatsoever, kindly contact the CSA for assistance.In the event you have subscribed to GO+, the Auto Reload function will only be utilized in the event that both your Account and GO+ are below the minimum amount selected by you. 1.13Auto Debit1.13.1By using the Auto Debit Service, you hereby authorises TNGD to perform the following:1.13.1.1To automatically debit your Account upon receipt of billing instructions from the relevant merchants; and1.13.1.2To provide the relevant information required by the merchant to facilitate the Auto Debit process which may include your personal data and/or information.
Terms and Conditions are updated as at19July 2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 19Julai2021)1.13.2In the event an auto debit cannot be successfully processed /debited due to any reason whatsoever, you hereby authorize TNGD to make a reattempt to debit the said sum from your Account on a subsequent date subject to a request from the relevant merchant. 1.13.3You shall ensure that sufficient funds are kept in your Account to facilitate the auto debit function. Should the funds be insufficient, the payment(s) may be rejected by TNGD and you shall be solely responsible to make payment to the relevant merchant. In this respect, you hereby authorise TNGD to release the reason(s) or grounds of the rejection of any payment to the merchant. 1.13.4You hereby agree to indemnify and to keep TNGD indemnified against any claims, losses, damages, costs, and expenses that TNGD may incur arising from your authorisation and request to TNGD to debit your Account or any error in such authorisation due to any reason whatsoever except due to the gross negligence or wilful default of TNGD. 1.13.5TNGD shall not be liable due to any error, neglect, refusal or omission to make, or delay in making, any and all payments to the Merchant. 1.13.6TNGD reserves the right at its absolute discretion to approve or reject the Auto Debit Service application without assigning any reason whatsoever. 1.13.7TNGD shall be entitled, at any time, without notice to you, terminate this Auto Debit Service without assigning any reason whatsoever and thereafter, TNGD shall be under no obligation to debit your TNG eWallet to make payment to any merchant(s) under this Auto Debit Service. TNGD shall not be held liable for any losses or damages you may suffer.1.14In the event you intend or have subscribed to the Quick Payment function, you hereby confirm, consent, and irrevocably authorizeTNGD to charge your saved debitor credit card for the entire purchase price to reload your Account in the event your Available Balance is insufficient to complete the Transaction.You may disable the Quick Payment function at the respective section in your profile page.You further agree and undertake to comply with the terms and conditions imposed by the issuer of the saved debitor credit card. Kindly note that there would be no refund of any amount to your saved debitor creditcard. The Quick Payment function shall only be applicable to selected Transaction types.1.15In the event you have subscribed to GO+,the QuickReloadPayment functionwill be automatically enabled andyou hereby confirm, consent, and irrevocably authorize TNGD to use the funds available in GO+ to reload your Account in the event your Available Balance is insufficient to complete the Transaction.You further agree and undertake to comply with the terms and conditions in relation to GO+. The QuickReloadPayment function shall only be applicable to selected Transaction types.For the avoidance of doubt, in the eventtheQuickReloadPayment functionandtheQuick Payment functionare both enabled, the Quick Reload Payment function will take priority over the Quick Payment function.1.16In the event you have subscribed to Quick Payment and Quick Reload Payment, Quick Reload Payment shall take precedence over Quick Payment.
Terms and Conditions are updated as at19July 2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 19Julai2021)1.17By linking the RFID Tag to your Account, you hereby permit and authorises TNGDto deduct the relevant sums from your Account upon receipt of billing instructions. The usage of the RFID Tag shall be further subject to the relevant terms and conditions of the RFID Tag.1.18By linking your RFID Tag to your Accountor upon providing your vehicle details or any other details to TNGD, you permit and authorize TNGD to use your details to provide you with marketing and promotional material as well as information regarding your vehicleand other matters related to yourvehicle. 1.19In the event any foreign exchange rate is applied to anyReload or Transaction using or on the TNG eWallet (e.g. reloading using a foreign credit card) and such exchange rate is not provided by TNGD or outside the control of TNGD, TNGD shall not be responsible for honouring such rates and/or any losses, shortfall, or charges incurred thereby except where otherwise stated by TNGD. 1.20If the Retail transaction involves a foreign currency and the TNG eWallet displays a fixed currency exchange rate, TNGD will honour such rate and by proceeding with such Retail transaction you are deemed to agree to such exchange rate.1.21Usage of the Alipay Connect shall be subject further terms and conditions(if any)as may be imposed by the relevant merchants. 1.22By activating the Face Verification feature, you hereby consent and agree that any instructions or usage of the TNG eWallet authenticated by the Face Verification feature shall be valid and binding and TNGD shall not be obligated to request other forms of authentication. TNGD shall keep a copy of your biometric details as may be required for the usage of the Face Verification feature. You further acknowledge that you shall not register any other individuals’ biometric details for the purposes of Face Verification and in the event you shall register any other individual’s biometric, TNGD shall consider all such transactions authenticated with Face Verification as valid and binding. 1.23In the event you have registered as a static QR merchant direcly with TNGD, you may be granted access to Merchant Dashboard in the TNG eWallet which allows you to keep track on the sales at each outlet. The usage of the Merchant Dashboard shall be for your reference purposes only. Any dispute with regards to the sales shall be referred back to the applicable merchant agreement. You shall be solely responsible to ensure that only the relevant personnel is granted access to the staff account and TNGD shall not be responsible of any misuse of the Merchant Dashboard in any way what so ever. The usage of the Merchant Dashboard shall be further subject to any guidelines or directives as may be issued by TNGD from time to time. 1.24YourAccount allows you the usage of numerous functions on the Mobile App. Please note that the usage of your Account and the Services may be further subject tothe relevant terms and conditions of each function.1.25You shall provide accurate and complete information to TNGDand inform TNGDimmediately of any changes in any particulars of your Personal Information/Data.You may
Terms and Conditions are updated as at19July 2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 19Julai2021)update and/or change your contact number or e-mail address through the profile update service inthe Mobile PaymentApp. If you wish to update and/or change any particulars of your Personal Information/Dataother than those mentioned herein, please contacttheCSA.You hereby acknowledge that your name, e-mail addressand mobile number and such other personal information may be made available by TNGDto another third party or Bank for verification orother lawful purposes.1.26You shall only be entitled to have one(1)Account.You are required to register your Account on your own device. For avoidance of doubt, each mobile numberand email addresscan only be used for one (1) Account.1.27You shall not fraudulently registerthe Account. If TNGDdiscovers that you are impersonating another person, whether an individual or another legal entity, TNGDmay immediately terminate the Accountand report such fraudulent activity to the relevant authorities.1.28You shall,at all timesbe solely responsible tokeep confidential andsafeguard your Account details. You shall not disclose yourlogin credentials and/or security credentialsto any person. Ifyou key in the wrong credentialsas required, it may result inyour Mobile Application access beingsuspended.To reactivate your Mobile Application access,you can reactivate via the“Forgot Your Pin”button. You shall be solely responsible and liable for any use and misuse of your Account and all activities that occur under your Account.1.29The Account is not transferable nor assignable to any third party and shall be exclusively used by you. The Account cannot be pledged or used in any manner by you as any form of security instrument for any purpose whatsoever.1.30You may Reloadyour Account whenever your Available Balance fall below the Account Limit and you mayat any timeuse the Servicesubject to your Available Balance andupto the Transaction Limit. The imposition of the Account LimitandTransaction Limitis to avoid any fraudulent, illegal or unlawful transactions including but not limited to breaches of regulation andguidelines under the Financial Services Act 2013 and AMLATFPUAA.1.31By registering for the Account, you authorise TNGDto rely and act upon all communications and instructions given by you. The Transactions carried outarenot always simultaneous with any instructions given at any time. Althoughthe Account and/or Service isaccessible outside any Working Days, certaininstructions may only be processedon a Working Day.1.32The record of all Transactions authenticated through theprescribed methodshall be binding and conclusive evidence of your Transactions. Any information, instructions and/or confirmation sent from the Mobile Device via the Account shall be deemed to have been issued by you notwithstanding that such information, instructions and/or confirmation may have been issued by a third party, whether authorised or otherwise, TNGDshall deem that the Services has been accessed legitimately and the Transactions conducted shall be valid.TNGDshall not entertain any request to reverse any wrongful Transactions authenticated through the prescribed method.
Terms and Conditions are updated as at15September2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 15 September2021)USER TERMS AND CONDITIONS (ENGLISH VERSION)*You may find the Bahasa Malaysia versionlocated at the end of this English Version. Anda bolehmendapatkanversi BahasaMalaysiadiakhirVersiBahasaInggerisini.This Service (hereinafter defined) is made available by TNG DigitalSdn Bhd,RegistrationNumber:201701042478(1256651-M) (“TNGD”) subject to the Terms and Conditions herein (“Terms and Conditions”).You acknowledge that you have read and fully understood these Terms and Conditionsprior to your accessto and use of the Service. Your Activation and use of the Service constitutesyourunconditional acceptance ofthese Terms and Conditions as may be amendedby TNGDfrom time to time. Any person that you allow to accessthe Service using your Account shall also be bound bythese Terms and Conditions.If you do not accept theseTerms and Conditions, please do not continue with the registration processor Activation.DefinitionsFor the purpose of these Terms and Conditions, the following terms shall have the meanings as defined below:-“Account”meanstheMobile Paymentaccountcreated with TNGDwhenyou registerforthe Service;“Account Limit”meansthe maximum limit for the Account which shall be the sum of Ringgit MalaysiaTwo Hundred (RM200.00) only,Ringgit Malaysia Five Thousand (RM5,000.00) only,or Ringgit Malaysia Twenty Thousand (RM20,000.00) only,as the case may be. TNGDreserves the right to revise the Account Limit;“Activation”means the point in time when the Serviceis activated in the Mobile PaymentSystem;“Alipay Connect”means the feature in the TNG eWallet which allows youto make payment to selected merchants overseas using your TNGeWallet;“AMLATFPUAA”means Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of UnlawfulActivitiesAct 2001 and includes the subsidiary legislation, guidelines, policies and othersimilar documents issued by the relevant federal or local authority and provisions of statute include such statutes and provisions as modified, recertified or re-enacted;“Auto Debit”means a service whereby a user instructs TNGD via the Touch ‘n Go eWalletrequesting and/or authorizing TNGD to collect payment(s) in varying amounts (subject to the discretion and limits of TNGD) from his or her Touch ‘n Go eWallet and thereafter all relevant payment(s) will be
Terms and Conditions are updated as at15September2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 15 September2021)deducted automatically (without TNGD having to seek additional authorization from that User) from that User’s Account or other funding methods “linked” to such Account to be paid to the relevant merchant(s);“Auto Reload”means thefeature in the Mobile App which allows you to enable yourregistered creditcardto be automatically charged to reload your Accountwhenever your Available Balance falls belowa minimum amount selected by you;“Available Balance”means the amount of money which is standing in credit in your Account, which is available for your use subject to the Account LimitandTransaction Limitherein imposed;“Bank"means the authorised Bank appointed by TNGDto act as a remittance agent for the Service;“CSA”means TNGD’s customer service agent which can be contacted at+603 5022 3888;“Account Verification(eKYC)”means theelectronic process tovalidate the identity of auserby verifying the personal details of theuser;“Face Verification”meansa facial recognition and authentication technologywhich can be used to replace other authentication methods;“GO+”means a new TNG eWallet feature which allows the balance in your GO+ account to earn potential returns. The underlying fund for GO+ is Principal e-Cash –a money market fund managed by Principal Asset Management Berhad that aims to provide investors with liquidity and income. The balance in the GO+ account should not be treated as E money, deposit; and is neither capital guaranteed nor capital protected by PIDM;“Investment Products”meansany financial instrument and/or investment which may pay interest, dividends or the user may earn profit from such financial instrumenteither from TNGD or any investment partners and/or merchants;“Mini Program” or “Mini Program Platform”means an “appeco-system” application known as the mini program residing on the Touch n’ Go eWallet on which merchants may: (i)have access to various services provided by TNGD, including but not limited to, development functions
Terms and Conditions are updated as at15September2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 15 September2021)and features for the purposes of creating“sub-applications” on the Mini Program Platform; and (ii)to promote and provide their goods and/or services to Users;“Mobile Payment”means the electronic money (e-money) services via Mobile App offered by TNGD to you;“Mobile PaymentSystem”means the Mobile Paymentsystem used by TNGD to provide the Service including the payment system platform commissioned by TNGD to facilitate the payment of goods and services;“Manual Reload”means the feature in the Mobile App which allows you to manually reload your Accountincluding but not limited tothe following manner whenever your Available Balance falls below the Account Limit:-(a)via debit or credit card;(b)via online banking;(c)viaTNG Reload Pin;or(d)via any other method which may be determined byTNGD from time to time;“Merchant Dashboard”means the dual feature in the TNG eWallet which allows static QR merchants to track sales transactions and history record and to further allow selected staff to access such information;“Mobile Application/Mobile App/ Touch ‘n Go eWallet / TNG eWallet”meansthesoftwareapplications that run on MobileDevices;“Mobile Device”means a portable computing device such as a smartphone or tabletused by you for the Service;“Money Transfer”meansthe feature of the Mobile App which allows for the transfer ofmoney from one Touch ‘n Go eWallet account to anotherTouch ‘n Go eWalletaccount; “Personal Information/Data”means yourinformation/data collected by TNGDfor the provisionof the Service,either directly or indirectly,including but not limited to your name, address details, telephone number and others;“Quick Payment”means thequick paymentfunction in the Mobile App which allows you to use a saved debit or credit card to be automatically charged to reload you Account wherever you make any applicable transactionsand there is insufficient Available Balance in your Account;
Terms and Conditions are updated as at15September2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 15 September2021)"Quick ReloadPayment"means the quickreloadpayment function in the Mobile App which allows you to use the funds available in GO+ to be automatically reloaded to yourAccount wherever you make any applicable transactionsand there is insufficient Available Balance in your Account;"Reload"means the depositof money intothe Account (subject to the Account Limit) via the Reload / Payment Channels to enable you to usethe Service;"Reload / Payment Channels”means such channels(including but not limited to the relevant service counters,Auto Reload,Manual Reloadand any other method as may be prescribed by TNGD from time to time) as may be designated by TNGDwhere you can make Reload and/or Payment transactions;“RFID”meansa system that uses Radio Frequency Identification;“RFID Tag”means the tag that is attached to the vehicle of the Customer or userwhich enables the usage of RFID in Malaysia which the sum is subsequently deducted from your Available Balance;“RFID User”means a customer or user who has successfully registered for RFID Tag in their vehicles to allow them to perform toll paymentand other payments utilizing RFID;“Retail”means payment for purchase of goods and/or services via online websites (e-commerce), mobile applications, static QR code, payment at point-of-sale (POS) terminals,Mini Program,and any other method of payment for goods and/or servicesprovided by merchants locally or overseas;“Service”meansthe provision of the Accountandtheenablingofthe Transactions; “Terms and Conditions”means these terms and conditions for the Service as may be varied or modified from time to time at TNGD’s sole discretion;“TNG”means Touch ‘n Go Sdn Bhd (Company No. 406400-X);“TNG Card”means the prepaid electronic cash card issued by TNG; “TNG Reload Pin”means the physicalor digitalreload pin(maximum 16 digits)which can be used to Reload your Account;
Terms and Conditions are updated as at15September2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 15 September2021)“Transaction”meansthe Mobile Paymenttransaction performed by you via the Service including but not limited toRetail, Money Transfer, Investment Products,and/or Transportation; "Transaction Limit" means the transactionlimitin accordance with Clause 1.6herein;“Transit”means LRT, Monorail, KTM, bussesand any other method of public transportation;“Transportation”means RFID, PayDirect function, Transit and other forms of transportation as may be determined by TNGD from time to time; and“Working Day”means a day other than (a) a Saturday and a Sunday; and (b) any other day declared by the government and the stategovernment as a public holiday.1. Use of the Service (A)The Account1.1The Service is made available to youby TNGDat its sole and absolute discretionto enable you toperform the Transactions.1.2To use the Service, you need to download the Mobile PaymentApp on your Mobile Device and create the Account with TNGD. Once the Account is created, you will have an Account Limit of Ringgit MalaysiaTwo Hundred (RM200.00) only. 1.3You may increase yourAccount Limit to Ringgit Malaysia Five Thousand (RM5,000.00) onlyby successfully completing theAccount Verification(eKYC)process. You may increase your Account Limit to Ringgit Malaysia Twenty Thousand (RM20,000.00)onlyafter successfully completing the Account Verification (eKYC) process and by using any of our financial services products.1.4Linking of Credit and/or Debit Card–You hereby understand and acknowledge that upon linking your credit and/or debit card to the Account, you shall be solely responsible and liable for all Reload(s) that may occur.1.5You hereby undertake that any and all Reload shall be from (1) your own personal source of funds or you have all legal authority and permission to use those funds, and (2) such funds are not illegal.1.6Source of fund from credit card reload may not be usedfor Money Transfer, transfer to external accounts(bank accounts or other e-wallets), Investment Products(such as but not limited to GO+), and/or any other products as TNGD may prescribe from time to time. Such prohibited usage may result in your Account (or any part thereof, including any benefits under the Service) being limited, suspended, and/or terminated.
Terms and Conditions are updated as at15September2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 15 September2021)1.7Monthlyand AnnualTransaction Limit shallbe as follows:Account LimitRM200.00RM5,000.00RM20,000.00Monthly Transaction LimitRM2,000.00RM5,000.00RM25,000.00Annual Transaction LimitRM24,000.00RM60,000.00RM300,000.00The Monthly Transaction Limit shall not be inclusive of Transportation1.8Thelimitation of theMoney Transfer function shallbe applicable as follows:Account TypeTransfer of Money OutReceiving MoneyRM200.00 limitNot allowedAllowedRM5,000.00 limitAllowedAllowedRM20,000.00 limitAllowedAllowed1.9In the event of any issues with theAccount Verification(eKYC)function, kindly contact the CSA for assistance. 1.10In the event any selected merchant(s)may provide a refundoptionin relation tothe payment for any purchase of goods and/or services in accordance with itsafter-sale service policy, such refund shall besubject to the following:1.10.1The refund process shall be subject to themerchant’s refund policy and any terms and conditions imposed on such refunds; 1.10.2Your Account must be active; and1.10.3In the event yourAccount balance would exceed the Account Limit of RM5,000.00 after the completion of the refund process, the refund process will automatically fail. You would then be required obtain a different refund methodor processfrom the merchant. 1.11PayDirectFunction1.11.1The PayDirectfunction allows you to link your TNG Card to your Account. Upon successfully completing the linking process of your TNG Card, you may perform the following:1.11.1.1check your TNG Card balance; and 1.11.1.2check your TNG Card transaction; and1.11.1.3when you perform selected transactions with your TNG Card, the transaction amount will be deducted from your Available Balance. In
Terms and Conditions are updated as at15September2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 15 September2021)the event your Available Balance is not sufficient, the transaction amount will then be deducted from your TNG Card. 1.11.2Pursuant to the PayDirect function, you hereby undertake and agree that upon linking your TNG Card to yourAccount, you permit and authorize TNGD to deduct the relevant sums from your Account to be paid to TNG and/or the relevant merchant(s) upon usage of the linked TNG Card. 1.11.3In the event you had utilized the PayDirect function without the sufficient Available Balance and such sums were not deducted from your TNG Card due to any reason whatsoever, the said sums will be automatically deducted upon your Account having the necessary Available Balance. 1.11.4You may delink your TNG Card using the remove card function. Kindly take note however that it may take up to 24 hours to complete the delinking process and during such period, you shall still be liable for any payment incurred using the PayDirect function. 1.11.5The usage of the PayDirect function shall be further subject to the TNG Card’s terms and conditions as issued by TNG and which may be amended from time to time. You further agree and undertake to comply with the terms and conditions imposed by TNG. The said terms and conditions of the TNG Card can be found at www.touchngo.com.my.1.11.6TNGD shall only be responsible for any funds deducted from your Account. For any issues or deductions from the TNG Card, kindly contact TNG. 1.12In the event you intend or have subscribed to the Auto Reload function, you hereby confirm, consent and irrevocably authorize TNGD to charge your credit card account, for the preset reload sum whenever the Auto Reload function is utilized. You further agree and undertake to comply with the terms and conditions imposed by the issuer of the credit card. For the avoidance of doubt, in the event your Auto Reload request is declined due to any reason whatsoever, kindly contact the CSA for assistance.In the event you have subscribed to GO+, the Auto Reload function will only be utilized in the event that both your Account and GO+ are below the minimum amount selected by you. 1.13Auto Debit1.13.1By using the Auto Debit Service, you hereby authorises TNGD to perform the following:1.13.1.1To automatically debit your Account upon receipt of billing instructions from the relevant merchants; and1.13.1.2To provide the relevant information required by the merchant to facilitate the Auto Debit process which may include your personal data and/or information.
Terms and Conditions are updated as at15September2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 15 September2021)1.13.2In the event an auto debit cannot be successfully processed /debited due to any reason whatsoever, you hereby authorize TNGD to make a reattempt to debit the said sum from your Account on a subsequent date subject to a request from the relevant merchant. 1.13.3You shall ensure that sufficient funds are kept in your Account to facilitate the auto debit function. Should the funds be insufficient, the payment(s)may be rejected by TNGD and you shall be solely responsible to make payment to the relevant merchant. In this respect, you hereby authorise TNGD to release the reason(s) or grounds of the rejection of any payment to the merchant. 1.13.4You hereby agree to indemnify and to keep TNGD indemnified against any claims, losses, damages, costs, and expenses that TNGD may incur arising from your authorisation and request to TNGD to debit your Account or any error in such authorisation due to any reason whatsoever except due to the gross negligence or wilful default of TNGD. 1.13.5TNGD shall not be liable due to any error, neglect, refusal or omission to make, or delay in making, any and all payments to the Merchant. 1.13.6TNGD reserves the right at its absolute discretion to approve or reject the Auto Debit Service application without assigning any reason whatsoever. 1.13.7TNGD shall be entitled, at any time, without notice to you, terminate this Auto Debit Service without assigning any reason whatsoever and thereafter, TNGD shall be under no obligation to debit your TNG eWallet to make payment to any merchant(s) under this Auto Debit Service. TNGD shall not be held liable for any losses or damages you may suffer.1.14In the event you intend or have subscribed to the Quick Payment function, you hereby confirm, consent, and irrevocably authorize TNGD to charge your saved debitor credit card for the entire purchase price to reload your Account in the event your Available Balance is insufficient to complete the Transaction.You may disable the Quick Payment function at the respective section in your profile page.You further agree and undertake to comply with the terms and conditions imposed by the issuer of the saved debitor credit card. Kindly note that there would be no refund of any amount to your saved debitor creditcard. The Quick Payment function shall only be applicable to selected Transaction types.1.15In the event you have subscribed to GO+,the QuickReloadPayment functionwill be automatically enabled andyou hereby confirm, consent, and irrevocably authorize TNGD to use the funds available in GO+ to reload your Account in the event your Available Balance is insufficient to complete the Transaction.You further agree and undertake to comply with the terms and conditions in relation to GO+. The QuickReloadPayment function shall only be applicable to selected Transaction types.For the avoidance of doubt, in the eventtheQuickReloadPayment functionandtheQuick Payment functionare both enabled, the Quick Reload Payment function will take priority over the Quick Payment function.1.16In the event you have subscribed to Quick Payment and Quick Reload Payment, Quick Reload Payment shall take precedence over Quick Payment.
Terms and Conditions are updated as at15September2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 15 September2021)1.17By linking the RFID Tag to your Account, you hereby permit and authorises TNGDto deduct the relevant sums from your Account upon receipt of billing instructions. The usage of the RFID Tag shall be further subject to the relevant terms and conditions of the RFID Tag.1.18By linking your RFID Tag to your Accountor upon providing your vehicle details or any other details to TNGD, you permit and authorize TNGD to use your details to provide you with marketing and promotional material as well as information regarding your vehicleand other matters related to yourvehicle. 1.19In the event any foreign exchange rate is appliedto anyReload or Transaction using or on the TNG eWallet (e.g. reloading using a foreign credit card) and such exchange rate is not provided by TNGD or outside the control of TNGD, TNGD shall not be responsible for honouring such rates and/or any losses, shortfall, or charges incurred thereby except where otherwise stated by TNGD. 1.20If the Retail transaction involves a foreign currency and the TNG eWallet displays a fixed currency exchange rate, TNGD will honour such rate and by proceeding with such Retail transaction you are deemed to agree to such exchange rate.1.21Usage of the Alipay Connect shall be subject further terms and conditions(if any)as may be imposed by the relevant merchants. 1.22By activating the Face Verification feature, you hereby consent and agree that any instructions or usage of the TNG eWallet authenticated by the Face Verification feature shall be valid and binding and TNGD shall not be obligated to request other forms of authentication. TNGD shall keep a copy of your biometric detailsas may be required for the usage of the Face Verification feature. You further acknowledge that you shall not register any other individuals’ biometric details for the purposes of Face Verification and in the event you shall register any other individual’s biometric, TNGD shall consider all such transactions authenticated with Face Verification as valid and binding. 1.23In the event you have registered as a static QR merchant direcly with TNGD, you may be granted access to Merchant Dashboard in the TNG eWallet which allows you to keep track on the sales at each outlet. The usage of the Merchant Dashboard shall be for your reference purposes only. Any dispute with regards to the sales shall be referred back to the applicable merchant agreement. You shall be solely responsible to ensure that only the relevant personnel is granted access to the staff account and TNGD shall not be responsible of any misuse of the Merchant Dashboard in any way what so ever. The usage of the Merchant Dashboard shall be further subject to any guidelines or directives as may be issued by TNGD from time to time. 1.24YourAccount allows you the usage of numerous functions on the Mobile App. Please note that the usage of your Account and the Services may be further subject tothe relevant terms and conditions of each function.1.25You shall provide accurate and complete information to TNGDand inform TNGDimmediately of any changes in any particulars of your Personal Information/Data.You may
Terms and Conditions are updated as at15September2021)(Terma-Terma dan Syarat-Syarat dikemaskini setakat 15 September2021)update and/or change your contact number or e-mail address through the profile update service inthe Mobile PaymentApp. If you wish to update and/or change any particulars of your Personal Information/Dataother than those mentioned herein, please contacttheCSA.You hereby acknowledge that your name, e-mail addressand mobile number and such other personal information may be made available by TNGDto another third party or Bank for verification orother lawful purposes.1.26You shall only be entitled to have one(1)Account.You are required to register your Account on your own device. For avoidance of doubt, each mobile numberand email addresscan only be used for one (1) Account.1.27You shall not fraudulently registerthe Account. If TNGDdiscovers that you are impersonatinganother person, whether an individual or another legal entity, TNGDmay immediately terminate the Accountand report such fraudulent activity to the relevant authorities.1.28You shall,at all timesbe solely responsible tokeep confidential andsafeguard your Account details. You shall not disclose yourlogin credentials and/or security credentialsto any person. Ifyou key in the wrong credentialsas required, it may result inyour Mobile Application access beingsuspended.To reactivate your Mobile Application access,you can reactivate via the“Forgot Your Pin”button. You shall be solely responsible and liable for any use and misuse of your Account and all activities that occur under your Account.1.29The Account is not transferable nor assignable to any third party and shall be exclusively used by you. The Account cannot be pledged or used in any manner by you as any form of security instrument for any purpose whatsoever.1.30You may Reloadyour Account whenever your Available Balance fall below the Account Limit and you mayat any timeuse the Servicesubject to your Available Balance andupto the Transaction Limit. The imposition of the Account LimitandTransaction Limitis to avoid any fraudulent, illegal or unlawful transactions including but not limited to breaches of regulation andguidelines under the Financial Services Act 2013 and AMLATFPUAA.1.31By registering for the Account, you authorise TNGDto rely and act upon all communications and instructions given by you. The Transactions carried outarenot always simultaneous with any instructions given at any time. Althoughthe Account and/or Service isaccessible outside any Working Days, certaininstructions may only be processedon a Working Day.1.32The record of all Transactions authenticated through theprescribed methodshall be binding and conclusive evidence of your Transactions. Any information, instructions and/or confirmation sent from the Mobile Device via the Account shall be deemed to have been issued by you notwithstanding that such information, instructions and/or confirmation may have been issued by a third party, whether authorised or otherwise, TNGDshall deem that the Services has been accessed legitimately and the Transactions conducted shall be valid.TNGDshall not entertain any request to reverse any wrongful Transactions authenticated through the prescribed method.