GLYD CARD USER AGREEMENT
1. GENERAL
1.1 GLYD Prepaid Mastercard (“Card”) is a reloadable prepaid card promoted by Paysol Sdn. Bhd. [Company No.: 201901024728 (1334057X)] (“Paysol” or “we”) and issued by Instapay Technology Sdn. Bhd. [Company No.: 201701019495 (1233660-A)] as a licensed e-money issuer (“Instapay” or “Card Issuer”).
1.2 You acknowledge that the Card is issued to your employer (“Company”) pursuant to an underlying contract between Paysol and the Company (“Paysol Contract”), and such Card is distributed to you by the Company for use in accordance with the terms of the Paysol Contract and this Glyd Card User Agreement. You may not permit any other person to possess or use the Card without the authorisation of the Company.
2. BINDING EFFECT
2.1 This document (“Glyd Card User Agreement”) sets out the terms of use of the Card. By using the Card, you acknowledge that you have read and fully understood the terms of this Glyd Card User Agreement prior to using the Card, and you hereby unconditionally agree to be bound by the terms of this Glyd Card User Agreement. If you do not accept the terms of this Glyd Card User Agreement, please do not accept, use or continue to use the Card.
3. AMENDMENTS
Subject to the limitations by the Applicable Laws, Paysol may at its sole and absolute discretion, from time to time, vary, add to, delete or otherwise amend this Glyd Card User Agreement or any part thereof. In the event of any changes to this Glyd Card User Agreement, Paysol will notify you or the Company in advance via letter or e-mail to your or the Company’s last known address or email address in Paysol’s records. However, any changes will not apply retrospectively. Your continued use of the Card after the effective date of any changes to the terms of this Glyd Card User Agreement shall constitute your unconditional acceptance of such changes.
4. CONSENT
Before activating or otherwise using the Card, you agree to complete Paysol’s prescribed registration form(s), including creating your profile on the Glyd App and completing the requisite e-KYC process, and provide Paysol with such information and documents as Paysol may require to satisfy its registration procedures, Know-Your-Customer (KYC) checks and regulatory requirements. You agree that such information and documents may also be forwarded by Paysol or the Card Issuer for the same purposes, and you further agree that Paysol or the Card Issuer may conduct background screening on you against third party databases (e.g. CTOS) or other lawful sources as Paysol or the Card Issuer may deem appropriate. You hereby represent and warrant that all information and documents provided to Paysol from time to time are and will be accurate, complete and up to date.
5. THE CARD AND FUNCTIONS
5.1 The Card is a reloadable prepaid card with contactless functionality and are MasterCard PayPass enabled which allows you to perform:
(a) payments for purchase of goods or services, whether offline or online, wherever MasterCard is accepted; and
(b) withdrawal of cash via automated teller machines (ATM) or over-the-counter channels wherever MasterCard is accepted.
(collectively the “Transactions” and each a “Transaction”)
5.2 The Card is not a credit card nor is it a gift card or intended for gifting purposes. The Card cannot be pledged or used in any manner by you as any form of security instrument for any purpose whatsoever.
5.3 The Card is and shall at all times remain the property of Paysol.
5.4 Upon termination or expiration of the Paysol Contract or in the event that the authorisation to use the Card is revoked, you will no longer be able to use the Card and you shall surrender the Card to Paysol or the Company immediately.
6. GLYD APP
6.1 Paysol may provide you access to a mobile application (“Glyd App”) in order to, amongst others, activate the Card, view card transaction details and submit expense claims for approval by the designated personnel within the Company.
6.2 Paysol reserves the right to modify the functions and features of the Glyd App at its sole discretion and from time to time.
7. ACTIVATION OF CARD
7.1 The Card may only be used upon activation in accordance with the activation procedures advised by Paysol from time to time. You must sign on the signature panel on the back of the Card. Paysol shall not be responsible if any transaction on the Card is rejected due to absence of your signature on the Card or any discrepancy between the signature appearing on the Card and the corresponding sales slip(s).
8. FUNDING THE CARD
8.1 The Card being a reloadable prepaid card will be funded by the Company and the credits allocated by the Company for the Card will be stored in the account of the Card (“Card Account”). Please check with the Company for the account limit allocated by the Company for the Card (“Account Limit”).
8.2 Each time the Card is used to perform Transactions, the credits in the Card Account will be deducted accordingly. You should check the Card Account through the Glyd App for available credits in order to perform the Transactions. If the available credits in the Card Account is insufficient for a Transaction, the Transaction will be declined. If the Card has been blocked, suspended and/or terminated, any Transaction using the Card will be declined. All remaining funds in the Card Account belong to the Company and cannot be claimed by you.
8.3 All transactions conducted with the Card will only be reflected and posted to the Card Account after they have been submitted by the respective merchants or acquiring banks and processed by the MasterCard payment network. You should regularly review the transaction history on the Card through the Glyd App to ensure that there has not been any unauthorised use of the Card. If you notice any unauthorised transaction, please notify the Company immediately.
9. INTERNET TRANSACTIONS
If the Card is used to perform online transactions, you shall be solely responsible for the security of such use at all times and comply with any applicable security guideline. You agree that the entry of the Card information on the internet shall be sufficient proof of the authenticity of such instruction. Neither Paysol nor the Card Issuer shall be under any obligation to verify the identity or the authority of the person entering the Card information. For all transactions processed via two factor authentication mechanism, neither Paysol nor the Card Issuer shall entertain any disputes from you with regards to the fact that you did not authorise or participate in such transactions nor will you be able to raise a chargeback claim for such transactions which have been processed under two factor authentication mechanism. In cases of two factor authentication transactions, Paysol will only allow chargeback due to processing errors, service not rendered and other card acceptance violations as stipulated in the applicable MasterCard card chargeback rules. You may be required to enter OTP for online transactions if the Mastercard merchant is registered for 3D Secure. 3D Secure is a Mastercard service to provide two factor authentications for online transactions.
10. CONTACLESS PAYMENT
The contactless payment feature of the Card allows payment transactions to be performed by tapping or waving the Card on a contactless reader device. Contactless payment cannot be used for card-not-present transactions, online transactions, e-commerce transactions, recurring bill payments, cash advance transactions, funds transfer transactions, or transactions performed or to be performed at any ATM. The Card also cannot be tokenised on a mobile device for any forms of contactless payments. The first time a contact payment is used will require you to enter the applicable PIN. Any usage of the Card for contactless payments is subject to such other terms or policies as Paysol and/or MasterCard may impose from time to time.
11. ATM TRANSACTIONS AND PERSONAL IDENTIFICATION NUMBER (PIN)
For the purposes of effecting cash withdrawal using the Card at any ATM under the MasterCard payment network, you must use the 6-digit Personal Identification Number (PIN) set or changed by you or the Company via the Glyd App or any other prescribed method as determined by Paysol from time to time. The PIN is strictly confidential, and you should not disclose it to any unauthorised person.
12. OTHER RESPONSIBILITIES
12.1 You shall:
(a) ensure that the transaction amount is correct before making any transaction using the Card;
(b) keep all information and security credentials related to the Card confidential at all times and shall take all steps to prevent disclosure of such information and authorised access or use;
(c) ensure that all information and documents provided to Paysol or the Card Issuer, including Personal Data, are true, accurate, updated and complete at all times, and promptly update such information and documents if there are any changes to the same;
(d) comply with all notices or instructions given by Paysol or the Card Issuer from time to time in relation to the use of the Card and/or Glyd App;
(e) comply with all Applicable Laws relating to the Card and Glyd App;
(f) take all reasonable steps to prevent fraudulent, improper or illegal use of the Card and Glyd App;
(g) cease to use the Card and/or Glyd App or any feature thereof for such period as may be required by Paysol or the Company;
(h) immediately report to Paysol or the Company upon the discovery of any fraud, theft, loss, unauthorised usage or any other occurrence of unlawful acts in relation to the Card and/or Glyd App.
12.2 You shall not:
(a) use the Card to purchase illegal goods or services, for online betting and/or gambling activities or any unlawful and/or fraudulent activities;
(b) use the Card and/or Glyd App for other business and/or commercial purposes which are not permitted under the Paysol Contract and/or this Glyd Card User Agreement or otherwise deemed to be inappropriate or unacceptable to Paysol;
(c) use the Card and/or Glyd App in any manner that could damage, disable or impair Paysol Technology, or interfere with the security or integrity of Paysol Technology;
(d) disassemble, reverse engineer, decompile, modify or otherwise creating derivative works based on Paysol Technology;
(e) do anything or cause an action to be done resulting in the infringement or violation of Paysol’s Intellectual Property Rights;
(f) attempt to gain unauthorised access to other user accounts maintained by Paysol through means of hacking, mining or other means of interference;
(g) harvest or collect email addresses or other contact information of other users of Paysol’s products or services by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications;
(h) interfere with or disrupt Paysol Technology, or servers or networks connected to the Card and/or Glyd App, or disobey any requirements, procedures, policies or regulations of networks connected to the Card and/or Glyd App, or circumvent any technology used to protect the Card(s) and/or Glyd App; or
(i) remove, alter or replace any notices of authorship, trademarks, business names, logos or other designations of origin on the Card and/or Glyd App or pass off or attempt to pass off the Card and/or Glyd App as the product of anyone other than Paysol.
12.3 If you wish to update your profile and Personal Data, including but not limited to, mailing address, contact details, phone numbers, email address, and other personal particulars, you may do so by contacting Paysol or the Company. Paysol may from time to time first verify your identity through the security protocols established by Paysol before your profile and Personal Data can be updated. You shall at all times keep all passwords and security codes, security questions, security answers (including but not limited to those used for verification and authorisation purposes) for use of the Card and Glyd App secret and you shall use all reasonable precautions to prevent disclosure of the same by you to any unauthorised person or third party.
13. RIGHTS OF PAYSOL
13.1 If the Card and/or Glyd App is used in a manner other than as permitted by the Paysol Contract or this Glyd Card User Agreement or for unlawful or fraudulent activities, Paysol shall be entitled to suspend, block and/or terminate the use of the Card and/or Glyd App (as the case may be) immediately without prior notice to you. However, Paysol does not owe you any duty or obligation whatsoever to monitor and block the use of the Card and/or Glyd App for any unlawful or unauthorised activities.
13.2 Paysol reserves the right to make any alteration or changes to the Card service and/or Glyd App or any part thereof, or suspend or terminate the Card service and/or Glyd App or any part thereof, in which event Paysol shall not be liable for any loss or inconvenience to you or any third party resulting therefrom.
13.3 Paysol and/or the Card Issuer may from time to time contact you via electronic transmission (including, but not limited to email communication, telex, fax), short messaging service (SMS) or via telephone correspondence, and any other means of exchange communication in respect of, but not limited to, the confirmation of transactions, whether or not you transacted the same, status of the Card, communication on promotions (and promotional items) relating to Paysol’s products and services, and for any other matters relating to Paysol’s products and services.
13.4 Paysol may run campaigns, contests or promotions in relation to the Card as may be notified to you from time to time. You agree that your participation in such campaigns, contests or promotions shall be subject to the specific terms and conditions thereof. If you wish to opt out from receiving any promotional or marketing messages from Paysol, you may unsubscribe the same via email or by contacting Paysol.
13.5 Paysol may request for any additional information or documents from you for the purposes of verifying your identity or providing you the Card service. You agree that you will provide such information and/or documentation promptly to Paysol and/or the Card Issuer upon request.
13.7 Notwithstanding anything in this Glyd Card User Agreement, Paysol may change the procedures or mode of operation of the Card service at any time at is sole discretion.
14. INTELLECTUAL PROPERTY
14.1 You acknowledge that the Card, Glyd App and all Intellectual Property Rights in relation thereto belong to Paysol or its licensors. All rights are expressly reserved.
14.2 Nothing in this Glyd Card User Agreement or by the use of the Card or Glyd App shall be construed as conferring any license or other transfer of rights to you of any Intellectual Property Rights of Paysol or its licensors, other than the limited right to use them in accordance with the Paysol Contract or this Glyd Card User Agreement.
15. PRIVACY
15.1 You hereby give consent to Paysol that your Personal Data provided to or collected by Paysol and/or the Card Issuer may be used and/or disclosed in accordance with the privacy policies published in the official websites of Paysol (“Privacy Policies”).
15.2 You acknowledge and agree that in order for Paysol and the Card Issuer to provide you with the services, benefits, offers and privileges related to the Card, to manage the Card, to facilitate the use of the Card and the processing of any transaction effected or to be effected through the use of the Card and/or Glyd App, the sharing, transfer, retrieval, updating and processing of your Personal Data as well as the creation of member profiles and user accounts and updating of personal details may occur between, on one hand, Paysol and the Card Issuer and, on the other hand, their subsidiaries, associates, related corporations, affiliates, licensees, assignees, proposed assignees, agents, vendors, service providers, merchants, strategic partners, commercial partners, third party contractors, any regulatory authorities (including BNM and such other authorities or bodies having jurisdiction over the Card), payment network operators, and any other parties engaged by Paysol and/or the Card Issuer to enable or assist Paysol and/or the Card Issuer in the provision of services to you or the Company or to exercise or enforce Paysol’s and/or the Card Issuer’s rights hereunder and/or any other party whomsoever as Paysol and/or the Card Issuer may deem relevant or necessary, within and beyond Malaysia, as stated in the Privacy Policies, and you have consented to the same.
15.3 Paysol and/or the Card Issuer may monitor and record all Transactions and communications that may take place between you and Paysol and/or the Card Issuer for quality control and training, prevention of unauthorised use, ensuring effective system operations and prevention and detection of crime.
15.4 You agree and consent that Paysol may use or extract any Personal Data or any other data from your Card or Card Account which may be required as evidence in court and/or to provide to relevant enforcement authorities whenever necessary in the event of a suspected or proven misuse of the Card and/or Glyd App (as the case may be).
15.5 Your agreement and consent under this Clause shall survive the revocation of your right to use the Card and/or Glyd App, or termination or expiration of the Paysol Contract.
16. DISPUTED TRANSACTION AND REFUND
16.1 You are fully responsible for all Transactions made on the Card, including but not limited to purchases of products or services using the Card, whether at a merchant’s premises, written instructions sent by mail, email, facsimile, telephone order, online via the internet or any other means by which you are authorised to use the Card.
16.2 Neither Paysol nor the Card Issuer shall be responsible to settle any dispute that you may have with any merchants for the goods or services purchased using the Card or the member institution of MasterCard concerned. Neither Paysol nor the Card Issuer shall be a party to such dispute nor shall Paysol nor the Card Issuer be liable for such dispute in any way.
16.3 In the event of any dispute that you may have with any merchants or the member institution of MasterCard concerned, please immediately notify the Company for appropriate actions to be taken.
17. LOST OR STOLEN CARD
17.1 In the event the Card is lost or stolen, please immediately notify the Company for appropriate actions to be taken, including cooperating with the Company to lodge a police report immediately.
17.2 If you subsequently found the lost or stolen Card, you should not further use the Card and should cut it into half and dispose of it immediately or return the same to Paysol or the Company.
18. SUSPENSION AND TERMINATIONY
18.1 Without prejudice to its other rights and remedies, Paysol shall be entitled to immediately block, suspend or terminate the use of the Card and/or Glyd App (as the case may be), with or without any notice to you, upon the occurrence of any of the following events:-
(a) if in the opinion of Paysol, there is dishonesty, suspected fraud, illegality, criminality or misrepresentation in the conduct of your Card Account or use of the Card or Glyd App (whether by you or the Company);
(b) if you or the Company is in breach of any terms of the Paysol Contract, this Glyd Card User Agreement or any other terms governing the use of the Card and/or Glyd App;
(c) if you or the Company is in breach of any Applicable Law in using the Card and/or Glyd App;
(d) if you or the Company have submitted false documents or have declared false information to Paysol;
(e) if you or the Company’s name is listed under any regulatory watchlist (including but not limited to listing related to terrorism and terrorism financing under the AML/CFT Legislation);
(f) if you or the Company fail to provide any additional information which Paysol may request from time to time in accordance with the Paysol Contract or this Glyd Card User Agreement; and/or
(g) where Paysol has reserved such right to block, suspend and/or terminate the Card and/or Glyd App under any other provisions of the Paysol Contract, this Glyd Card User Agreement or any other terms governing the use of the Card and/or Glyd App.
18.2 If the Card is terminated by Paysol pursuant to Clause 18.1 above, Paysol reserves the right to take any action against you as may be deemed necessary or as may be required under the Applicable Laws or by the relevant authorities.
18.3 Upon the revocation of your right to use the Card and/or Glyd App, or termination of the Paysol Contract or this Glyd Card User Agreement (howsoever occasioned), you shall cease to use the Card and the Glyd App without prejudice to other rights and remedies available to
19. REACTIVATION
If your Card or Card Account is suspended for any reason, you will not be able to use the Card. You should make any request to reactivate the Card from the Company.
20. DISCLAIMERS
PAYSOL PROVIDES THE PRODUCTS AND/OR SERVICES UNDER THE PAYSOL CONTRACT AND THIS GLYD CARD USER AGREEMENT ON AN "AS IS" AND "AS AVAILABLE" BASIS. YOU AGREE THAT THE USE OF SUCH PRODUCTS AND/OR SERVICES IS AT YOUR SOLE RISK. OTHER THAN WARRANTIES EXPLICITLY PROVIDED UNDER THE PAYSOL CONTRACT OR THIS GLYD CARD USER AGREEMENT, PAYSOL HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, (I) THE IMPLIED WARRANTIES OF MERCHANTABILITY, (II) FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, (III) SECURITY, RELIABILITY, PERFORMANCE AND ACCURACY OF SUCH PRODUCTS AND/OR SERVICES, AND (IV) THAT SUCH PRODUCTS AND/OR SERVICES WILL BE CONTINUOUS, UNINTERRUPTED AND/OR ERROR-FREE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM PAYSOL, THE CARD ISSUER AND/OR ITS AGENTS OR REPRESENTATIVES WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.
21. LIMITATION OF LIABILITY
21.1 TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL PAYSOL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES OR LOSSES OF ANY KIND IN ANY MANNER IN CONNECTION WITH OR ARISING OUT OF THE PAYSOL CONTRACT, THIS GLYD CARD USER AGREEMENT AND/OR THE USE OF ITS PRODUCTS AND/OR SERVICES, REGARDLESS OF THE FORM OF ACTION OR THE BASIS OF THE CLAIM OR WHETHER OR NOT PAYSOL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS OR OPPORTUNITY, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES. IN THE EVENT THAT APPLICABLE LAW DOES NOT ALLOW THE EXCLUSION OF WARRANTIES STATED HEREIN OR THE LIMITATION OF LIABILITY STATED HEREIN, YOU HEREBY EXPRESSLY AGREE THAT IN NO EVENT WILL PAYSOL’S LIABILITY FOR ANY CLAIM OR DAMAGES HEREUNDER EXCEED THE AGGREGATE AMOUNT OF RINGGIT MALAYSIA ONE (RM1.00).
21.2 Nothing in the Paysol Contract or this Glyd Card User Agreement excludes, restricts or modifies any statutory rights that you may have under Applicable Laws that cannot be excluded, restricted or modified.
22. INDEMNITY
22.1 You hereby agree to indemnify Paysol, the Card Issuer and/or their directors, officers, employees, representatives, agents subsidiaries or affiliates (as the case may be) (“Indemnified Parties”) and keep harmless the Indemnified Parties from and against any claims, actions, suits, proceedings, damages and/or liabilities whatsoever made against the Indemnified Parties arising from the use of the Card and/or Glyd App and/or your non-performance or violation of the terms under this Glyd Card User Agreement or any other terms governing the use of the Cards and/or Glyd App or any Applicable Law.
24. REACTIVATION
If your Customer Account is suspended for any reason, you will not be able to use the Card(s). You should contact Paysol to reactivate your Customer Account or Card(s). Paysol may reactivate the Customer Account or Card(s) at its sole discretion and subject to Paysol’ s prevailing policies and procedures.
23. FORCE MAJEURE
23.1 Without limiting the generality of any provision in this Glyd Card User Agreement, Paysol shall not be liable for any failure to perform its obligations herein caused by an act of God, insurrection or civil disorder, military operations or act of terrorism, all emergency, acts or omission of Government, or any competent authority, labour trouble or industrial disputes of any kind, fire, lightning, subsidence, explosion, floods, acts or omission of persons or bodies for whom Paysol has no control over or any cause outside Paysol’s reasonable control.
23.2 The Card service and/or Glyd App may occasionally be affected by interference caused by causes or objects beyond Paysol’s control such as buildings, underpasses and weather conditions, electromagnetic interference, equipment failure or congestion in the card management system. In the event of such interference, Paysol shall be not be responsible for any inability to use the Card, or interruption or disruption of the Card service and/or Glyd App (as the case may be).
24. DEFINITIONS AND INTERPRETATION
24.1 In this Glyd Card User Agreement, the following words and expressions have the following meanings unless inconsistent with the context or stated otherwise:
“AML/CFT Legislation” means the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 of Malaysia.
“Applicable Laws” mean and include all statutes, enactments, acts of legislature or parliament, laws, ordinances, rules, bye-laws, regulations, notifications, guidelines, policies, directions, determinations, directives, writs, decrees, injunctions, judgments, awards or orders of any government authority, statutory authority, tribunal, board, court, and if applicable, international treaties and regulations, as amended from time to time and including but not limited to (a) Financial Services Act 2012, (b) Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001, (c) Unclaimed Money Act 1965, and (f) the rules, regulations or directives of Bank Negara Malaysia;
“Intellectual Property Rights” means all intellectual property rights (whether registered or not), including but not limited to copyright (including copyright in computer software), patents, logos, trademarks or business names, design rights, database rights, know-how, trade secrets and rights of confidence;
“Parties” means Paysol and you as user of the Card, and a “Party” means any of them as the context requires;
“Paysol Technology” means Paysol’s proprietary technology underlying the Card(s), Paysol Portal, Glyd App and/or Paysol’s products or services, including internet operations design, content, software tools, hardware designs, algorithms, software (in source and object forms), source codes, user interface designs, architecture, class libraries, objects and documentation (both printed and electronic), know-how, trade secrets and any related Intellectual Property Rights throughout the world (whether owned by Paysol or its licensors), and also including any derivatives, improvements, enhancements or extensions of such technology conceived, reduced to practice, or developed by Paysol from time to time;
“Personal Data” means information that relates directly or indirectly to you, who is identified or identifiable from that information, including but not limited to name, address, telephone number and other personally identifiable information, collected by Paysol for the provision of its products and/or services.
24.2 In this Glyd Card User Agreement, unless the context otherwise requires:
(a) references to statutory provisions shall be construed as references to those provisions as respectively replaced, amended or re-enacted (whether before or after the date hereof) from time to time and shall include any provisions of which there are re-enactments (whether with or without modification) and any subordinate legislation made under such provision so far as such modification or re-enactment applies or is capable of applying to any transactions entered into pursuant to this Glyd Card User Agreement and (so far as liability thereunder may exist or can arise) shall include also any past statutory provisions or regulations (as from time to time modified or re-enacted) where such provisions or regulations have directly or indirectly replaced;
(b) clause headings are for convenience only and shall not affect the interpretation of this Glyd Card User Agreement;
(c) unless the context otherwise requires or permits, references to the singular number shall include references to the plural number and vice versa; and words denoting any gender shall include all genders;
(d) references to a “person” (or to a word importing a person) shall be construed so as to include an individual, firm, partnership, trust, joint venture, company, corporation, body corporate, unincorporated body, association, organisation, any government, or state or any agency of a government or state, or any local or municipal authority or other governmental body (whether or not in each case having separate legal personality).
25. OTHER PROVISIONS
25.1 The Paysol Contract and this Glyd Card User Agreement constitute the entire agreement between the Parties concerning the subject matter herein and supersedes all previous terms and conditions, understanding, representations and warranties relating to that subject matter.
25.2 No delay, neglect or forbearance on the part of Paysol in enforcing against you any provision of this Glyd Card User Agreement shall either be or deemed to be a waiver or in any way prejudice any right of Paysol hereunder.
25.3 If any provision of this Glyd Card User Agreement is prohibited by law or judged by a court to be unlawful, void or unenforceable, the provision shall, to the extent required be severed from this Glyd Card User Agreement and rendered ineffective as far as possible without modifying the remaining provision of this Glyd Card User Agreement, and shall not in any way affect any other circumstances of or the validity or enforcement of this Glyd Card User Agreement.
25.4 This Glyd Card User Agreement and all rights and obligations thereof are not assignable, transferable or sub-licensable by you without Paysol’s prior written consent. Paysol may transfer, assign or delegate this Glyd Card User Agreement and its rights and obligations thereof without prior notice to or consent by you.
25.5 All rights and obligations under this Glyd Card User Agreement are personal to you. A person who is not a party to this Glyd Card User Agreement shall have no right to enforce any provision of this Glyd Card User Agreement.
26. GOVERNING LAW AND JURISDICTION
This Glyd Card User Agreement shall be governed by and construed in accordance with the laws of Malaysia, and you hereby agree to submit to the exclusive jurisdiction of the courts of Malaysia to resolve any claims or disputes which may arise in connection with this Glyd Card User Agreement.
27. NOTICES
27.1 All notices, requests and/or other communications to be given by Paysol to you under this Glyd Card User Agreement may be made by hand, ordinary post, registered post or e-mail to your last known address or e-mail address (as the case may be) in Paysol’ s records.
27.2 All notices, requests and/or other communications to be given by you to Paysol under this Glyd Card User Agreement must be communicated to the following address (or to such other address as Paysol may notify you from time to time) by hand, ordinary post, registered post or e-mail:
Paysol Sdn. Bhd.
23A-16, Q Sentral,
Jalan Stesen 2, KL Sentral
50470 Kuala Lumpur
Malaysia
E-mail: support@glyd.com
27.3 If there are any complaints or inquiries and there is no feedback given by Paysol, you may contact the Card Issuer as follows:
Instapay Technologies Sdn. Bhd.
23A-16, Q Sentral,
Jalan Stesen 2, KL Sentral
50470 Kuala Lumpur
Malaysia
E-mail: connect@instapay.my
27.4 If there are any complaints or inquiries and there is no feedback given by Paysol or the Card Issuer, you may contact the following bodies:
Bank Negara Malaysia
Laman Informasi Nasihat dan Khidmat (LINK)
Ground Floor, D Block
Jalan Dato' Onn
50480 Kuala Lumpur
Malaysia
Contact Centre (BNMTELELINK)
Tel : 1-300-88-5465
(Foreign: 603-2174-1717)
Fax: 603-2174-1515
E-mail: bnmtelelink@bnm.gov.my
Ombudsman for Financial Services (664393P)
(formerly known as Financial Mediation Bureau)
14th Floor, Main Block, Menara Takaful Malaysia