RIA MONEY TRANSFER E-WALLET – SUPPLEMENTAL TERMS AND CONDITIONS
Posted on August 14, 2023
These Supplemental Terms and Conditions for Ria e-Wallet (“Supplemental Terms and Conditions”) are in addition to our Ria Money Transfer Mobile Application Terms and Conditions. These Supplemental Terms and Conditions form an integral part of and must be read together with our Ria Money Transfer Mobile Application Terms and Conditions. The capitalized terms not defined herein, shall have the meaning ascribed to them in the Ria Money Transfer Mobile Application Terms and Conditions. In the event of any inconsistency between our Ria Money Transfer Mobile Application Terms and Conditions and these Supplemental Terms and Conditions, these Supplemental Terms and Conditions shall prevail.
Definitions
For the purpose of these Supplemental Terms and Conditions, the following terms shall have the meanings as defined below:
“Account” means the Mobile Payment account created with Ria when you register for our Service;
“Account Limit” means the maximum limit for the Account shall be the sum of Ringgit Malaysia Ten Thousand (RM10,000.00) only;
“Activation”
means the point in time when the Service is activated in the Mobile Payment System;
“AMLATFPUAA” means Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 and includes the subsidiary legislation, guidelines, policies and other similar 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 Ria via Ria e-Wallet requesting and/or authorizing Ria to collect payment(s) in varying amounts (subject to the discretion and limits of Ria) from the User’s Ria e-Wallet and thereafter all relevant payment(s) will be deducted automatically (without Ria 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);
“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 Limit herein imposed;
“FSA” means Financial Services Act 2013
“Manual Reload” means the feature in the Ria e-Wallet which allows you to manually reload your Account including but not limited to the following manner whenever your Available Balance falls below the Account Limit:
(a) via Ria stores;
(b) via Ria agents; or
(c) via any other method which may be determined by Ria from time to time.
“Mobile Device” means a portable computing device such as a smartphone or tablet used by you for the Service;
“Mobile Payment” means the electronic money (e-money) services via Ria e-Wallet offered by Ria to you;
“Mobile Payment System" means the Mobile Payment system used by Ria to provide the Service including the payment system platform commissioned by Ria to facilitate the payment of goods and services;
“Money Transfer” means the feature of the Ria e-Wallet which allows for the transfer of money from one Ria e-Wallet account to another Ria e-Wallet account;
“Personal Information /Data” means your information/data collected by Ria for the provision of the Service, either directly or indirectly, including but not limited to your name, address details, and telephone number;
"Reload" means the deposit of money into the Account (subject to the Account Limit) via the Reload / Payment Channels to enable you to use our Service;
"Reload/Payment Channels” means such channels (including but not limited to the relevant service counters, Manual Reload and any other method as may be prescribed by Ria from time to time) as may be designated by Ria where you can make Reload and/or payment transactions;
“Retail” means payment for purchase of goods and/or services provided by Ria merchants;
“Ria e-Wallet” means the software applications that run on Mobile Devices;
“Service / Our Service” means the provision of the Account and the enabling of the Transactions;
“Supplemental Terms and Conditions” means these terms and conditions for the Service as may be varied or modified from time to time at Ria’s sole discretion;
“Transaction” means the Mobile Payment transaction performed by you via the Service including but not limited to Retail and Money Transfer;
“Transaction Limit” means the transaction limit in accordance with Clause 1.1.2 herein;
“Working Day” means a day other than (a) a Saturday and a Sunday; and (b) any other day declared by the government and the state government as a public holiday.
1. Use of the Service
1.1 Account
1.1.1 Our Service is made available to you by Ria at its sole and absolute discretion to enable you to perform the Transactions.
1.1.2 To use our Service, you need to register for Ria e-Wallet Account in your Ria Money Transfer App. Once the Account is created, you will have an Account Limit of Ringgit Malaysia Ten Thousand (RM10,000.00) only.
1.1.3 You 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 number and email address can only be used for one (1) Account.
1.1.4 By registering for the Account, you authorise Ria to rely and act upon all communications and instructions given by you. The Transactions carried out are not always simultaneous with any instructions given at any time. Although the Account and/or Service is accessible outside any Working Days, certain instructions may only be processed on a Working Day.
1.1.5 You shall not fraudulently register the Account. If Ria discovers that you are impersonating another person, whether an individual or another legal entity, Ria may immediately terminate the Account and report such fraudulent activity to the relevant authorities.
1.1.6 You may Reload your Account whenever your Available Balance falls below the Account Limit, and you may at any time use Our Service subject to your Available Balance. The imposition of the Account Limit is to avoid any fraudulent, illegal or unlawful transactions including but not limited to breaches of regulation and guidelines under the FSA and AMLATFPUAA.
1.1.7 You hereby undertake that any and all Reload shall be from (i) your own personal source of funds or you have all legal authority and permission to use those funds; and (ii) such funds are not illegal.
1.1.8 The record of all Transactions authenticated through the prescribed method shall 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, Ria shall deem that the Services has been accessed legitimately and the Transactions conducted shall be valid. Ria shall not entertain any request to reverse any wrongful Transactions authenticated through the prescribed method.
1.1.9 You may view your Transaction history up to the previous ninety (90) days by logging into the Ria e-Wallet Account. You should regularly log in to the Ria e-Wallet Account .to review your Transaction history and to make sure that there have not been any unauthorised Transactions. You shall check and verify all Transactions including, without limitation, the amount and recipient information. Upon receipt of your written request, Ria may at its absolute discretion provide you with the physical statement of accounts, records and details of your Transactions provided always that such details requested for relate to Transactions which are not more than three (3) months old.
1.1.10 In the event any selected merchant(s) provide a refund option in relation to the payment for any purchase of goods and/or services in accordance with its after-sale service policy, such refund shall be subject to the following:
(i) The refund process shall be subject to the merchant’s refund policy and any terms and conditions imposed on such refunds;
(ii) Your Account must be active; and
(iii) In the event your Account balance would exceed the Account Limit of RM10,000.00 after the completion of the refund process, the refund process will automatically fail. You would then be required to utilize your Account balance beforehand OR obtain a different refund method or process from the merchant.
1.1.11 Notwithstanding anything contained in these Supplemental Terms and Conditions, Ria may reject any of your instructions relating to the use of the Service or any Transaction, if:-
(i) the Service is in breach of any of the terms and conditions herein mentioned; or
(ii) Ria suspects the instructions may be fraudulently issued or determines that the use of the Service poses a risk to the Mobile Payment System.
1.1.12 The 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.
1.1.13 You shall not be entitled to receive any interest or other profits in anyway whatsoever in relation to the Service.
1.1.14 Ria does not make any warranties and/or representations whatsoever in respect of the goods or services being the subject matter of a Transaction including, but not limited to, the quality, merchantability, safety, and/or legality thereof. For the avoidance of doubt, Ria does not make any warranties or representation as to any profitability of any financial product.
2. Your Responsibility
2.1 You shall:
2.1.1 ensure that you do not use the Ria e-Wallet on any illegally modified devices such as jailbroken device, rooted device or any device that has been altered in any way whatsoever. In the event you utilize such a device, Ria shall not be liable in anyway whatsoever for any and all losses or damages which you may suffer including but not limited to any financial and/or information loss;
2.1.2 use the Service in good faith and comply with the Terms and Conditions and all applicable laws of Malaysia relating to the Service, (including but not limited to Bank Negara Malaysia (BNM)’s Rules and Regulations/Guidelines, Communication and Multimedia Act 1998, the FSA, Unclaimed Money’s Act 1965, AMLATFPUAA), and all subsidiary legislations, rules and regulations, notices, instructions or directives issued thereunder by the government, relevant authorities and regulatory agencies, and/or any notices, instructions, directives or guidelines given by Ria in connection with the Service which may be amended from time to time; and
2.1.3 take all reasonable steps to prevent fraudulent, improper or illegal use of the Account and/or Service and theft or loss of your Mobile Device and immediately notify the customer service team upon the discovery of such fraud, improper or illegal use, theft, loss, or any other occurrence of unlawful acts. You shall, if instructed by Ria, lodge a police report on the same and give Ria a certified true copy of such report.
2.2 You shall not:
2.2.1 use Our Service for any purpose which is against public interest, public order or national harmony or for any unlawful purposes including but not limited to vice, gambling or other criminal purposes whatsoever or transmitting any content which is offensive on moral, religious, communal or political grounds, or is abusive, defamatory or of an indecent, obscene or menacing character or in any other manner which may result in complaints, claims, disputes, penalties or liabilities to Ria; and
2.2.2 hack into, access, tamper, breach or circumvent any authentication or security of any host, network or account of Ria or its provider’s computer systems or interfere with service to any user, host or network, including, without limitation, sending a virus.
2.3 You acknowledge that the Service is, and shall remain, at all times, the property of Ria and you shall:-
2.3.1 exercise all due care and diligence in the use and maintenance of the Account and Service; and
2.3.2 not tamper or allow anyone to tamper with the Mobile Device, the Account and/or the Service (including, but not limited to, the software and the data recorded in the Mobile Payment) in any way. Tampering with the data on Mobile Payment may be a criminal offence and Ria will not honour any Transaction and benefits, if your Account and/or Mobile Payment has been tampered with. Ria shall have the right to recover all reasonable cost, expenses, losses and damages suffered or incurred by Ria (including all reasonable legal expenses) as a result of you altering or interfering or allowing a third party to alter or interfere with the data on your Account and/or Mobile Payment.
3. Termination & Suspension
3.1 Notwithstanding anything in these Supplemental Terms and Conditions, Ria may immediately change the procedures or mode of operation of the Service without giving any reason or notice to you.
3.2 In addition to Ria’s rights under Clause 3.1, Ria shall be entitled to immediately suspend or terminate your use of the Service (or any part thereof, including any benefits under the Service) and your access to the Account, with or without any notice to you, upon the happening of any of the following events:-
(i) if you are in breach of any acts, statutes, laws, by-laws, rules and / or regulations imposed by any party, regulatory body or government agency;
(ii) if you have acted in bad faith or with malicious intent;
(iii) if you have been blacklisted by any financial institutions, licensed banks or e-money issuers in Malaysia or abroad;
(iv) if you are from a sanctioned or high risk country;
(v) if you are included in our internal watch lists;
(vi) if your name is listed under any regulatory watchlist (including but not limited to listing related to terrorism and terrorism financing under the AMLAFTPUAA);
(vii) if you are included in the Specially Designated Nationals (SDN) or other relevant money laundering and terrorism financing information sources, watch-lists, or related databases maintained or provided by both domestic or foreign authorities from time to time, including but not limited to, Bank Negara Malaysia, United Nations Security Council Resolutions (UNSCR), Office of Foreign Assets Control (OFAC), and the Financial Action Task Force (FATF); and
(viii) if you fail to provide any additional information which Ria may request from you from time to time.
3.3 You may, at any time, terminate the Service by deleting your Ria e-Wallet Account. If you have any Available Balance in the Account, you must ensure that you provide to Ria the correct bank account details and any other information as may be required by Ria to enable Ria to process the refund of the Available Balance to your bank account within seven (7) days. If you do not have any Available Balance in the Account, the Service shall be deemed to be terminated immediately upon termination of your Ria e-Wallet Account.
Any Available Balance in your Ria e-Wallet Account which has been left unclaimed for a period of seven (7) years shall be forwarded to the Registrar of Unclaimed Monies, Accountant General’s Department of Malaysia and you may deal with the Registrar of Unclaimed Monies directly in respect of the remaining Available Balance less any fee and charges (if applicable)
4. Consequences of Termination / Suspension
4.1 Upon termination of the Service by Ria pursuant to Clause 3.2, Ria may notify you of such termination whereupon, you must ensure that you provide to Ria the correct bank account details and any other information as may be required by Ria to enable Ria to refund the Available Balance to your bank account within seven (7) days upon receipt of the correct bank account details and any other information as may be required by Ria.
4.2 If Ria terminates or suspends the Service or any part thereof pursuant to Clause 3, Ria shall not be obliged to refund the Available Balance until and unless clearance has been obtained from the relevant authorities, if applicable.
4.3 Ria shall not be liable for any losses or damages suffered by you due to any incorrect banking information provided by you.
4.4 The provisions of this Clause 4 are without prejudice to Ria’s other rights and remedies under these Supplemental Terms and Conditions or at law.
5. Reactivation
5.1 In the event the Account and/or Service has been suspended and you request for reactivation of the same, Ria may at its absolute discretion reactivate the Account.
6. Refund or Adjustment Due to Error
6.1 If you discover any error or discrepancy in your Account, you must contact the customer service team within thirty (30) days from the date of the disputed transaction, failing which, you shall be deemed to have accepted the accuracy of your Transaction. If it is revealed in the course of Ria’s investigation that the disputed Transaction was indeed made in error, Ria will refund the disputed sum directly to your Account upon completion of the investigation which will not exceed thirty (30) days from your complaint. Ria reserves its right not to refund any disputed amount to you if Ria believes you acted contrary to these Supplemental Term and Conditions.
6.2 Notwithstanding the above, any refund by Ria shall not, in and of itself, amount to completion of the investigation. Ria may refund such sums to your Account based on preliminary investigation results. Upon the completion of the full investigation, if it is discovered that you are not entitled to the refund, Ria may, in their sole discretion, either adjust your Account and deduct the refunded sums from your Account or claim such sums from you.
6.3 Ria shall not be responsible to settle any dispute that you may have with merchant(s) for the purchased of goods and services using the Services. You shall be responsible to contact the respective merchant for a refund for products or services purchased from the merchants. Ria shall not be liable for any disputes that you may have with the merchant(s) and you hereby agree to pay us all applicable fees and charges and the merchant for the value of the transaction, notwithstanding any dispute.
7. Liability
7.1 Ria shall not be liable for any liability, loss, damages, cost and/or expenses (whether direct or indirect), or for loss of revenue, loss of business, loss of profits or any consequential or indirect loss whatsoever as a result of your use and/or misuse of the Service including but not limited to:-
(a) your Account being hacked and/or theft of your login credentials and/or security credentials; and/or
(b) any resulting dispute between you and Ria’s merchant over any aspect thereof, including, but not limited to, issues relating to quality, merchantability, fitness for use, quantity, or delivery; and/or
(c) resulting from the exercise of Ria’s rights in these Supplemental Terms and Conditions and/or the Ria Money Transfer Mobile Application Terms and Conditions which arise from your default.
7.2 It is your sole responsibility to make all efforts to ensure your Ria Money Transfer App is up to date. You should check the Ria Money Transfer App regularly to ensure that you Ria Money Transfer App have the latest information on the Service. You should also ensure that you download the most up to date version of the Ria Money Transfer App.
7.3 You acknowledge that Ria is unable to exercise control over the security or subject matter passing over the Telecommunication Provider’s Network, the Ria Money Transfer App or via the Service, and Ria hereby excludes all liability of any kind for the transmission or reception of infringing any subject matter of whatever nature.
7.4 The Ria Money Transfer App may contain links to website, web pages, applications operated by third parties. Ria accepts no responsibility for the services and you agree that your use of each website, webpage and service is also subject to the terms and conditions, if any, contained within each website or webpage or attached to any products or services of these third parties. You shall comply with the said terms and conditions and fully indemnify and to hold Ria harmless from and against any claim resulting from your breach of any of the said terms and conditions.
7.5 Ria assumes no responsibility for and does not endorse unless expressly stated, websites and/or products created or published by third parties that is included in the Ria Money Transfer App and the Service or which may be linked to and from the Ria Money Transfer App.
7.6 You shall be solely responsible for any and all consequences of use or misuse of your Account, login credentials, and/or security credentials. You shall be responsible for all losses and payments (including the amount of any Transaction carried out without your authority) due to your negligence or where you have acted fraudulently. For the purposes of this clause negligence shall be deemed to include failure to observe any of your security duties referred to in these Supplemental Terms and Conditions.
7.7 You shall defend and pay all costs, damages, awards, fees (including any reasonable legal fees) and judgments awarded against Ria arising from the above claims, and shall provide Ria with notice of such claims, full authority to defend, compromise or settle such claims, and reasonable assistance necessary to defend such claims, at your sole expense.
7.8 Notwithstanding anything to the contrary contained herein, the maximum liability of Ria shall not exceed an amount equivalent to the aggregate sum of the Available Balance of your Account at the date on which your claim arises.
8. Indemnity
8.1 You shall indemnify and shall keep indemnified Ria from any loss, damage, liability or expense, arising from any claims for libel, invasion of privacy, infringement of copyright, patent, breach of confidence or privilege or breach of any law or regulation whatsoever arising from the breach of these Supplemental Terms and Conditions and/or Ria Money Transfer Mobile Application Terms and Conditions, the use of the Account and Service, content transmitted, received or stored via the Service or part thereof and for all other claims arising out of any act or omission of your or any unauthorised use or exploitation of the Service or part thereof.
8.2 You hereby agree to fully indemnify and to hold Ria harmless from and against any claim brought by a third party resulting from your use of the Account, Service, Ria Money Transfer App and Ria’s website and in respect of all losses, costs, actions, proceedings, claims, damages, expenses (including reasonable legal costs and expenses), or liabilities, whatsoever suffered, or incurred directly or indirectly by Ria in consequence of such use of the Account, Service, Ria Money Transfer App and Ria’s website, and/or your breach or non-observance of any of these Supplemental Terms and Conditions and/or the Ria Money Transfer Mobile Application Terms and Conditions and/or any applicable terms and conditions of any new services which Ria may provide from time to time.
8.3 You shall defend and pay all costs, damages, awards, fees (including any reasonable legal fees) and judgments awarded against Ria arising from the above claims, and shall provide Ria with notice of such claims, full authority to defend, compromise or settle such claims, and reasonable assistance necessary to defend such claims, at your sole expense.
9. Anti-Money Laundering, Anti-Terrorism Financing and Proceeds Of Unlawful Activities Act 2001 (AMLATFPUAA) & FSA
9.1 Ria acknowledges that the document or information collected by Ria from you relating to your affair or Account as a customer of Ria will only be used and/or disclosed in accordance with the secrecy provisions under the FSA.
9.2 Ria, its subsidiaries and officers shall comply in all material respects with all applicable laws, regulations, guidelines and policies relating to AMLATFPUAA, including all, Regulations and Rules.
9.3 Without limiting the generality of the foregoing, to the extent required by the AMLATFPUAA, Ria shall (a) maintain an anti-money laundering and anti-terrorism financing compliance program that is in compliance, in all material respects, with the AMLATFPUAA, (b) conduct, in all material respects, the due diligence required under the AMLATFPUAA in connection with the use of the Account, including with respect to the origin of the funds used by you to reload into the Account and (c) maintain sufficient information to identify you for purposes of compliance, in all material respects, with the AMLATFPUAA.
9.4 In the event your Account is ceased, terminated or suspended by Ria due to fraudulent, illegal or unlawful Transactions including but not limited to breaches of any law (including but not limited to the FSA and/or AMLATFPUAA or any regulation and/or guidelines made thereunder), you shall not be entitled to obtain any refund of the monies and all reload monies whatsoever in the Account and it shall be lawful for Ria to retain for an indefinite period or release to the relevant authorities all monies in the Account in accordance with applicable legislation, regulation and/or guidelines. You shall not be entitled to claim any form of compensation for any loss arising therefrom from Ria.
RIA MONEY TRANSFER PREPAID/VIRTUAL CARD – SUPPLEMENTAL TERMS AND CONDITIONS
Posted on November 3, 2023
These Ria Money Transfer Prepaid/Virtual Card - Supplemental Terms and Conditions (“Terms”), are in addition to our Ria Money Transfer Mobile Application Terms and Conditions (“Ria Mobile App T&Cs”) and Ria Money Transfer E-Wallet Terms and Conditions (“Ria e-Wallet T&Cs”). The capitalized terms not defined herein shall have the meaning ascribed to them in the Ria Mobile App T&Cs and Ria e-Wallet T&Cs.
Definitions
“ATM” means automated teller machine that displays Mastercard® logo;
“Merchants” means the authorised merchants, acquirers, banks, service providers, sellers or organizations, which has agreed to accept payments through the use of the Prepaid Card and/or the Virtual Card for goods and/or services sold or provided;
“PIN” means the personal identification number issued on the Prepaid Card whereby the cardholder must enter the PIN to complete transactions as and when PIN entry is required by ATMs and/or at any point-of-sale or terminal devices;
“Prepaid Card” means a physical card issued by Ria which is linked to your Ria e-Wallet Account;
“Prepaid/Virtual Card Services” means the electronic payment services provided by Ria via the Ria Prepaid Card Card and Ria Virtual Card which shall include but not limited to facilitation of card transaction, Reload and the goods/services offered by its business partners utilizing Ria services;
“Prepaid/Virtual Card Transaction” means an electronic transaction generated using Ria Prepaid Card or Ria Virtual Card in which the charge will be deducted from your Ria e-Wallet Account balance;
“Prepaid/Virtual Card Value” means the equivalent monetary value in the Ria e-Wallet Account which can be used towards the Prepaid/Virtual Card Services;
“Ria” means IME (M) Sdn Bhd (Registration No. 200101027074 (562832-V)), a company incorporated in Malaysia with its main business address at East High Zone, Unit 38-02, Level 38, Q Sentral 2A, Jalan Stesen Sentral 2, Kuala Lumpur Sentral, 50470 Kuala Lumpur, Malaysia;
“Ria Customer Service” means Ria’s support services to customers by telephone at 1800 88 2077 or by email to MY_support@riamoneytransfer.com or by post to Ria Customer Service, East High Zone, Unit 38-02, Level 38, Q Sentral 2A, Jalan Stesen Sentral 2, Kuala Lumpur Sentral, 50470 Kuala Lumpur;
“Ria e-Wallet Account” means the mobile payment account created with Ria when you register for Ria e-Wallet;
“Ria Mobile App T&Cs” means Ria Money Transfer Mobile Application Terms and Conditions which relates to your use of the Ria mobile application, as may be varied or modified from time-to-time at Ria’s sole discretion;
“Ria e-Wallet T&Cs” means Ria Money Transfer E-Wallet Terms and Conditions which relates to your use of the Ria e-Wallet, as may be varied or modified from time-to-time at Ria’s sole discretion; and
“Virtual Card” means a digital card issued by Ria which is linked to your Ria e-Wallet Account. You will be required to provide your Virtual Card information to authenticate internet or online payment transactions. For the avoidance of doubt, Virtual Card cannot be used at ATMs, point-of-sales and/or terminals for withdrawal of cash or payment of goods and services.
1. INTRODUCTION
1.1 These Terms apply to and regulate your use of the Prepaid/Virtual Card Services offered by us. The Prepaid/Virtual Card Services are provided on an "as-is" and "as-available" basis and the use of the Prepaid/Virtual Card Services is at your own risk. Ria specifically disclaims all warranties of any kind including but not limited to availability, accessibility and uninterrupted use of the Prepaid/Virtual Card Services.
1.2 The Prepaid/Virtual Card Services offered by us are part of the Ria e-Wallet services and Ria Mobile Application services and accordingly these Terms form an integral part of and must be read together with our Ria e-Wallet T&Cs and our Ria Mobile App T&Cs. In the event of any inconsistency between our Ria e-Wallet T&Cs, Ria Mobile App T&Cs and these Terms, these Terms shall prevail.
1.3 The use of the Prepaid/Virtual Card Services is subject to applicable fees and charges. We reserve the right torevise at any time, such fees and charges for the use of the Prepaid/Virtual Card Services, upon notice to you. Such revisions shall take effect from the date stated in the notice. Where you continue to access or use the Prepaid/Virtual Card Services after such notification, you shall be deemed to have agreed to and accepted the revisions to such fees and charges.
1.4 We reserve the right to change, restrict, vary, suspend or modify these Terms in such manner as we deem fit. We shall furnish you with the notice on the amendment to these Terms which shall be published on Ria website and/or via any electronic means, no less than twenty-one (21) days prior to the effective date of the said amendments to these Terms.
1.5 Your continued use of the Prepaid/Virtual Card Services after the effective date of the amendments to these Terms shall constitute unconditional acceptance of such amendments by you. If you do not accept such amendments, you are entitled to terminate your use of the Prepaid/Virtual Card Services. Ria shall not be liable to you for any claims, losses, damages, expenses or costs in whatsoever manner resulting therefrom.
2. USE OF THE PREPAID AND VIRTUAL CARD
2.1 Upon activation of the Prepaid Card and/or the Virtual Card by you, your Prepaid Card and/or Virtual Card will be linked to your Ria e-Wallet Account. You may subsequently use the Prepaid/Virtual Card Services, subject to these Terms and the terms of use as set out under the Ria e-Wallet T&Cs. Invalidated Prepaid Card and/or Virtual Card cannot be linked to Ria e-Wallet Account.
2.2 For Virtual Card, you will be issued with a recurring Virtual Card whereby you can use the Virtual Card to make payments until the expiration date of such card. You may terminate your existing Virtual Card at any time. In the event you wish to use a Virtual Card after the termination of the previous one, you may do so by applying for a new Virtual Card via Ria e-Wallet . Upon receiving your request for a new Virtual Card, Ria will, subject to its absolute discretion, generate a new Virtual Card for you. For the avoidance of doubt, you will not be able to apply for a new Virtual Card in the event there exists an active Virtual Card linked to your Ria e-Wallet Account.
2.3 The Prepaid Card and/or the Virtual Card can be used at any participating Merchants allowing you to make payment using the same and the transaction amount will be deducted from your Ria e-Wallet Account balance.
2.4 In addition to the right to purchase good and/or services from the Merchants, you may be entitled to obtain such discounts, benefits and privileges as Ria may from time to time notify PROVIDED THAT the Prepaid Card and/or the Virtual Card shall be valid during the time of purchase and has not been cancelled by Ria for any reasons whatsoever.
2.5 You may also use your Prepaid Card to perform cash withdrawals at ATMs, and it shall be governed by the respective ATMs’ terms and conditions in addition to these Terms, subject always to there being sufficient funds in your Ria e-Wallet Account. The use of the Prepaid Card to perform a cash withdrawal shall be deemed to constitute your agreement to pay all applicable fees and/or charges as may be prescribed from time to time by Ria and/or the ATMs’ Merchants.
2.6 You shall not make any cash withdrawals from any ATM which exceed any prescribed withdrawal limitation of the ATM, or any other limits, conditions and amount as may be determined by Ria. Any cash withdrawals performed outside Malaysia shall only be in foreign currency of that particular country or jurisdiction.
2.7 If your Prepaid Card and/or the Virtual Card is stolen or lost, you can de-link your stolen or lost Prepaid Card and/or the Virtual Card immediately via your Ria e-Wallet application and subsequently no Prepaid/Virtual Card Transaction can be deducted from your Ria e-Wallet Account. You may, however, still use your Ria e-Wallet as a stand-alone product.
2.8 You acknowledge that the Prepaid Card and the Virtual Card is non-transferable, and the Prepaid Card and the Virtual Card shall only be used exclusively by you, and you shall not give the Prepaid Card and the Virtual Card to any other third party or allow them to use it to effect Prepaid/Virtual Card Transactions.
2.9 You are required to use your Prepaid Card and the Virtual Card in accordance with the procedures, instructions and guidelines set by Ria from time-to-time and not to damage, manipulate, copy, reverse-engineer or tamper with the Prepaid Card and the Virtual Card nor do any act of modification to the same.
2.10 You shall use all precautions to prevent any event of loss, theft, cloning and/or unauthorized use of the Prepaid Card and the Virtual Card. In the event of loss, theft, cloning and/or unauthorized use of the Prepaid Card and/or the Virtual Card, you must immediately notify Ria. Unauthorized use shall include conducting Reload transactions at unauthorized merchants. You shall remain liable and shall indemnify Ria from all claims, losses, damages, expenses or costs in whatsoever manner resulting from such unauthorized use.
2.11 Ria and/or the Merchants shall not honour any unauthorized use of the Prepaid Card and/or the Virtual Card and such Prepaid Card and/or the Virtual Card shall be invalidated by Ria.
2.12 You acknowledge that the issue of the Prepaid Card and/or the Virtual Card does not imply any obligation on Ria that the Prepaid Card and/or the Virtual Card will be honoured by the Merchants upon its presentation or use. Any complaint in respect of the refusal of any Merchants to accept the Prepaid Card and/or the Virtual Card shall be resolved directly with such Merchants. You shall not be entitled to set-off or counterclaim against Ria or to withhold payment to Ria on account of such complaint or under any circumstances whatsoever in respect for any payment made to any Merchants notwithstanding any claim or dispute that you may have against the Merchants.
2.13 All Prepaid/Virtual Card Transactions with Merchants carried out by you at Merchants’ outlets, online transactions and/or via any platform made available by the Merchants shall firstly be made in the currency of the jurisdiction where the Prepaid/Virtual Card Transaction took place or in the currency in which the Prepaid/Virtual Card Transaction is denominated.
3. PREPAID CARD AND VIRTUAL CARD RELOAD
3.1 You can only transact and use the Prepaid Card and/or the Virtual Card for transactions up to the Account Limit which Ria has approved which shall be Ringgit Malaysia Ten Thousand (RM10,000) or such other amount as may be prescribed by Ria from time to time.
3.2 You must ensure that there are sufficient funds in your Ria e-Wallet Account to pay for each Prepaid/Virtual Card Transaction including the applicable fees and charges imposed for the Prepaid/Virtual Card Transaction. If your Ria e-Wallet Account balance is insufficient to pay for the Prepaid/Virtual Card Transaction and/or applicable fees and charges, the Prepaid/Virtual Card Transaction will be declined.
3.3 You may increase your Ria e-Wallet Account through Reload provided that the value of your Ria e-Wallet does not exceed the Account Limit. Each Reload must be done in Malaysian Ringgit only.
3.4 If the Reload causes the Ria e-Wallet Account balance to exceed the maximum Account Limit, the Reload will be rejected by Ria.
3.5 All Reload shall not be considered to have been made until Ria has received and processed the actual good value for the relevant Reload. Ria shall not be liable for any delay in crediting such Reloads in your Ria e-Wallet Account for use.
3.6 For all Reload channels, please refer to Ria e-Wallet for more details. The Reload channels are not fixed and may be changed or replaced by Ria from time to time. For Reload channels operated by Ria’s authorized agents or partners, a fee may be levied by the respective agents or partners. You may check with the respective agents and partners for the applicable Reload fees chargeable by them, or alternatively you may refer to Ria e-Wallet.
3.7 Ria may suspend, revoke and/or block any Reload to the Ria e-Wallet Account if Ria suspects that such reloads are irregular or illegal.
4. LOSS/THEFT/UNAUTHORISED USE OF PREPAID AND VIRTUAL CARD
4.1 You must keep your Prepaid Card and the Virtual Card information and security features secure and use all reasonable precautions to prevent the loss, theft or unauthorised use of the Prepaid Card and the Virtual Card and ensure that your Prepaid Card and the Virtual Card information and security features are not disclosed to any other person. You agree that you shall be fully and solely responsible and liable for all transactions effected by the use of the Prepaid Card and the Virtual Card including online transactions and transactions via Ria e-Wallet whether authorised or unauthorised.
4.2 In the event the Prepaid Card and/or the Virtual Card is lost, stolen or suspected of being compromised or used in an unauthorised way or the information and/or security features are disclosed to any unauthorised person, you shall immediately notify Ria.
4.3 Ria will invalidate lost, stolen or compromised Prepaid Card and/or the Virtual Card upon:
(i) verbal (telephone) notification by you to Ria Customer Service;
(ii) notification in writing addressed to Ria transmitted by hand/mail/e-mail; or
(iii) walk-in to Ria’s stores to report to Ria’s authorized officer.
4.4 In certain circumstances, Ria may also require you to lodge a police report of the loss, theft or disclosure and provide a copy of the police report and any other information that Ria may require. Ria reserves the right not to entertain any claims of lost or stolen Prepaid Card and/or the Virtual Card if the information given by you is deemed incomplete.
4.5 You shall remain fully and solely responsible and liable for all Prepaid/Virtual Card Transaction carried out using your Prepaid Card and/or the Virtual Card including online transactions and transactions via Ria e-Wallet prior to the Ria e-Wallet Account being blocked by Ria.
4.6 If the lost or stolen Prepaid Card and/or the Virtual Card is subsequently recovered after a new replacement Prepaid Card and/or the Virtual Card is issued, you shall immediately dispose the old Prepaid Card and/or dispose the details of the old Virtual Card, as the case maybe.
4.7 You will remain liable and shall indemnify Ria from all Prepaid/Virtual Card Transactions, claims, losses, damages, expenses or costs in whatsoever manner resulting from the unauthorized use of your Prepaid Card and/or the Virtual Card.
5. EXPIRED PREPAID CARD AND VIRTUAL CARD
5.1 Your Prepaid Card and the Virtual Card is valid at all times unless it is invalidated or expired pursuant to these Terms.
5.2 A Prepaid Card and the Virtual Card shall not be valid or useable upon its expiry.
5.3 Subject to any applicable fees and charges, you may exchange your existing Prepaid Card and/or the Virtual Card in advance within one (1) month prior to the expiry date of your Prepaid Card and/or the Virtual Card to avoid any usage disruption and inconveniences.
5.4 Purchase of a new Prepaid Card and/or the Virtual Card by you, post expiration of your Prepaid Card and/or the Virtual Card, shall be at your own cost and expenses.
6. TERMINATION OF PREPAID CARD AND VIRTUAL CARD BY YOU
6.1 You may at any time terminate the Prepaid Card and/or the Virtual Card and discontinue the use of the Prepaid/Virtual Card Services. However, you may still use your Ria e-Wallet to perform Ria e-Wallet Transactions.
6.2 You may terminate your Prepaid Card and/or the Virtual Card through the following methods:
(i) by contacting the Ria Customer Service;
(ii) by accessing you Ria e-Wallet; or
(iii) by visiting to the Ria stores.
6.3 You shall remain liable for any transaction effected through the use of your Prepaid Card and/or the Virtual Card prior to receipt by Ria of the termination request and confirmation by Ria on such termination.
7. REPLACEMENT CARD
7.1 During the validity period of the Prepaid Card and/or the Virtual Card, subject to payment by you of any replacement Prepaid Card fee imposed by Ria, a replacement Prepaid Card and/or the Virtual Card shall be issued, at Ria’s sole and absolute discretion, in the following circumstances:
(i) due to loss, theft, or unauthorised use of the Prepaid Card and/or the Virtual Card; or
(ii) due to faulty, damaged or defective Prepaid Card arising from your own negligence.
For the avoidance of doubt, Ria shall only bear any Prepaid Card replacement cost due to (i) faulty/malfunction to the functionality of the Prepaid Card within thirty (30) days from the date of issuance of the Prepaid Card by Ria to you; or (ii) loss or damaged of the Prepaid Card during delivery period.
7.2 In the event that a replacement Prepaid Card and/or Virtual Card is issued, the new Prepaid Card and/or Virtual Card shall be automatically linked to your Ria e-Wallet Account upon activation.
7.3 For Prepaid Card and/or Virtual Card replacement purposes, you can either (i) visit any Ria’s store; (ii) utilize Ria Mobile Application; or (iii) call Ria Customer Service.
8. FEES AND CHARGES
8.1 Ria may vary the fees and charges from time to time and charge additional fees for new or additional services which may be offered by Ria in the future by giving you advance notice of twenty-one (21) days. The relevant fees and charges will be made available at (i) Ria e-Wallet; (ii) Ria stores; and (iii) Merchants’ stores. Such fees and charges shall constitute and form part of these Terms.
8.2 Ria is not liable for any other fees and charges imposed by Merchants and/or any third party including, but not limited to, banks, service providers or the government for the usage of the Prepaid/Virtual Card Services.
8.3 You agree and undertake to pay all fees and charges arising out of and in connection with the use of your Prepaid/Virtual Card Services as Ria and any other party may prescribe from time to time.
8.4 You irrevocably authorise and agree that all such fees and charges payable by you may be debited by Ria directly from the Available Balance in your Ria e-Wallet Account at such time as may be applicable and are non-refundable under any circumstances whatsoever. Ria reserves the right to temporarily suspend your Ria e-Wallet Account if your Ria e-Wallet Account has insufficient funds to pay all applicable fees and charges.
9. APPLICABLE TAX/TAXES
9.1 The fees and charges herein stated are subject to any applicable taxes imposed or to be imposed by the Government of Malaysia or any other local regulatory authorities in accordance with the relevant enacted laws in Malaysia.
10. PREPAID CARD WITH CONTACTLESS TRANSACTION ENABLED FEATURES
10.1 You acknowledge that the Prepaid Card will incorporate features which enable the Prepaid Card to be utilised to pay for goods and services by tapping the Prepaid Card at contactless readers/terminals. This Prepaid Card and the related contactless devices and terminals will carry Mastercard® payWave logos. If you wish not to have this contactless mode feature, you must notify Ria to disable it.
10.2 The contactless Prepaid Card transaction exceeding an amount specified by Ria will require you to enter your Prepaid Card PIN at the terminals.
10.3 You acknowledge and agree that the use and the performance of contactless Prepaid Card transaction is at the absolute risk of you, and you shall be liable for all contactless Prepaid Card transaction regardless of whether or not such transactions were authorised by you. All contactless Prepaid Card transactions will be deemed to have been properly authorised by you.
11. LIABILITY FOR PREPAID/VIRTUAL CARD TRANSACTIONS
11.1 All Prepaid/Virtual Card Transactions including but not limited to online transactions, transactions via Ria e-Wallet and cash withdrawals shall be deemed to have been made by you and Ria shall not be liable for acting in good faith for honouring the said transactions. You agree that you shall be solely and fully responsible and liable for all transactions effected by the use of the Prepaid Card and/or the Virtual Card whether with or without your knowledge, acquiescence or authority and Ria shall not, under any circumstances whatsoever be responsible or liable for all Prepaid/Virtual Card Transactions effected by the use of the Prepaid Card and/or the Virtual Card.
11.2 You shall indemnify and keep Ria fully indemnified against and from all direct or indirect consequential losses, damages, claims, demands, actions, proceedings, costs and expenses (including legal fees and other disbursements) suffered by Ria including claims, actions and proceedings from any third parties howsoever arising from such unauthorised use.
12. PREPAID CARD AND/OR VIRTUAL CARD SUSPENSION OR TERMINATION BY RIA
12.1 Ria shall cease or suspend the Prepaid/Virtual Card Services, as the case may be, with reasonable notice prior to any maintenance, upgrading and/or modification works being carried out onto the Prepaid/Virtual Card Services.
12.2 Notwithstanding any other provisions to the contrary herein, Ria may, at its sole and absolute discretion, at any point of time, with or without notice, decide not to renew, terminate or revoke the Prepaid Card and/or the Virtual Card or to suspend or restrict the use of the Prepaid Card and/or the Virtual Card by you upon the occurrence of any one of the following events:
(i) you breach any of these Terms, Ria Mobile App T&Cs and/or Ria e-Wallet T&Cs;
(ii) you do anything which may in the opinion of Ria cause damage or interruption to the Prepaid/Virtual Card Services;
(iii) you are involved in any activities or transactions which are prohibited under any law, or constitute a breach of public policy of the country in which such activity or transaction is effected or take place or constitute a breach of public policy of your country of residence;
(iv) pledge the Prepaid Card and/or the Virtual Card or otherwise use the Prepaid Card and/or the Virtual Card’s security to any party for any reason whatsoever; and/or
(v) it is in Ria's opinion that the Prepaid Card and/or the Virtual Card is used for a fraudulent, illegal or unlawful purpose including but not limited to breach of legislation, regulation and/or guidelines under the Money Services Business Act 2011, Financial Services Act 2013 and/or Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001.
12.3 Subject to Ria e-Wallet T&Cs, in the event Ria suspends or terminates your Prepaid Card and/or Virtual Card, you may still be entitled to a refund of any Available Balance in your Ria e-Wallet Account after deduction of any outstanding fees and charges.
12.4 In the event the Prepaid/Virtual Card Services had been terminated or suspended by Ria in accordance with Clause 12.2 above, no refund on the Prepaid/Virtual Card Value and no compensation shall be made to you. You acknowledge and agree that it shall be lawful for Ria to retain the unutilized Prepaid/ Virtual Card Value until the investigation on such Prepaid Card and/or Virtual Card is completed in accordance with the applicable legislation, regulation and/or guidelines.
12.5 All monies owing to Ria under the Prepaid Card and/or the Virtual Card shall become due and immediately payable upon termination of the Prepaid Card and/or the Virtual Card for whatever reason and may be debited by Ria directly from your Ria e-Wallet Account balance and are non-refundable.
12.6 You shall remain liable for all transactions effected through the use of the Prepaid Card and/or the Virtual Card prior to the suspension or termination of the Prepaid Card and/or the Virtual Card and you shall undertake to hold Ria harmless and to indemnify Ria against any liability for loss, damage, costs and expenses (legal or otherwise including costs on a solicitor and client basis) which Ria may incur by reason of the provisions herein or enforcement of its rights hereunder.
13. REFUND OF BALANCE OF FUNDS
13.1 Refund for Prepaid Card and/or Virtual Card Transactions deducted from Ria e-Wallet Account balance shall be in accordance with the Ria e-Wallet T&Cs.
14. INDEMNITY
14.1 You agree to indemnify Ria against all claims, losses, liabilities, proceedings, demands, costs and expenses (including legal fees) which may result or which Ria may sustain in connection with or arising from the provision of the Prepaid/Virtual Card Services, Ria e-Wallet T&Cs, and/or Ria Mobile App T&Cs due to (i) your own act, omission, conduct, fault, negligence or fraud; (ii) your breach or non-compliance with these Terms; and/or (iii) breach by you of any applicable laws.
14.2 You hereby agree to fully indemnify and to hold Ria harmless from and against any claim brought by a third party resulting from your use of the Ria e-Wallet Account, Prepaid/Virtual Card Services and Ria Mobile Application and in respect of all losses, costs, actions, proceedings, claims, damages, expenses (including reasonable legal costs and expenses), or liabilities, whatsoever suffered, or incurred directly or indirectly by Ria in consequence of such use of the Ria e-Wallet Account, Prepaid/Virtual Card Services, Ria Mobile Application, and/or your breach or non-observance of any of these Terms, Ria e-Wallet T&Cs, and/or Ria Mobile App T&Cs and/or any applicable terms and conditions of any new services which Ria may provide from time to time.
14.3 You shall defend and pay all costs, damages, awards, fees (including any reasonable legal fees) and judgments awarded against Ria arising from the above claims, and shall provide Ria with notice of such claims, full authority to defend, compromise or settle such claims, and reasonable assistance necessary to defend such claims, at your sole expense.
15. EXCLUSION OF LIABILITY
15.1 Ria, its directors, officers, employees and agents shall not be liable to you, or any third party authorized by or claiming through you for any loss or damage, whether direct or indirect, special or consequential, suffered by you or any person authorized by you, occasioned by:
(i) the use or inability to use the Prepaid/Virtual Card Services by you or any persons authorized by you;
(ii) any act/omission by Ria, its directors, officers and/or employees in relation to the Prepaid/Virtual Card Services;
(iii) any act/omission by the Merchants in relation to the Prepaid/Virtual Card Services, howsoever caused;
(iv) any resulting dispute between you and the Merchants over any aspect thereof, including, but not limited to, issues relating to quality, merchantability, fitness for use, quantity, or delivery;
(v) any loss, distortion or corruption of data arising from the use of the Prepaid/Virtual Card Services;
(vi) for any damage or loss or inability to retrieve any data or information that may be stored in the Prepaid Card and/or the Virtual Card or any microchip or circuit or device in the Prepaid Card;
(vii) any neglect, refusal or inability of on our part or any Merchant to authorise or approve the Prepaid/VirtualCard Transaction or honour or effect any other transaction on the Ria e-Wallet Account for any reason whatsoever;
(viii) any interception or disclosure to any person (whether unlawful or otherwise) of any data or information relating to you in relation to the Prepaid/Virtual Card Transaction and/or the Ria e-Wallet Account transmitted through or stored in any electronic system or medium, howsoever caused;
(ix) any malfunction, defect or error in any ATM or terminal used to process Prepaid/Virtual Card Transactionor Prepaid/Virtual Card Services, or other machines or system of authorisation whether belonging to or operated by Ria, Merchants or other persons;
(x) any delay or inability on Ria’s part to perform any of its obligations under these Terms because of any electronic, mechanical, system, data processing, transmission or telecommunication defect or failure, act of God, civil disturbance or any event or factor outside its control or the control of any of its servants, agents or contractors or any fraud or forgery;
(xi) any unlawful or unauthorized access to your Prepaid Card and/or Virtual Card and/or Ria e-Wallet data;
(xii) your failure or delay in updating Ria as to any changes to your information or details pertaining to your Prepaid Card and/or Virtual Card; and/or
(xiii) any exercise of Ria’s rights in these Terms, Ria e-Wallet T&Cs, and/or the Ria Mobile App T&Cs which arise from your default.
15.2 Without prejudice and subject to these Terms, you hereby agree that the amount of total liability of Ria arising from these Terms shall not in any event exceed an amount equivalent to the aggregate sum of the Available Balance of your Ria e-Wallet Account at the date on which your claim arises.
16. DISPUTED PREPAID/VIRTUAL CARD TRANSACTION ON GOODS AND SERVICES
16.1 Ria shall not be responsible for the delivery, quality, safety, legality, fitness for purpose or any other aspect of the goods or services purchased by you from any Merchants with the Prepaid Card and/or the Virtual Card. All disputes involving the same should be addressed directly to the Merchants, and you shall settle all disputes directly with the relevant Merchants and shall pay Ria all amounts required under these Terms despite such disputes. You shall not initiate any claims or take legal action against Ria for any claims or disputes or legal proceedings you have against the Merchants or for any issues with regard to the delivery, quality, safety, legality, fitness for purpose or any other aspects of the goods or services purchased by you from the Merchants.
17. CONCLUSIVENESS OF EVIDENCE
17.1 You may check your Ria e-Wallet Account balance through your Ria e-Wallet at any time and from time to time. However, the amounts reflected in your Ria e-Wallet may not serve as a conclusive Available Balance of the Account with Ria as it may not include any Reload to the Ria e-Wallet Account which have not been verified by Ria and/or any Prepaid/Virtual Card Transaction which have not been debited from the Account yet.
17.2 Each e-statement of your Ria e-Wallet Account will provide the Prepaid/Virtual Card Transaction history of three (3) monthly period including fees and charges that have been incurred and posted to the Ria e-Wallet Account. In the event you wish to obtain e-statement that contain more the three (3) months’ Prepaid/Virtual Card Transactions history, you need to contact or email Ria Customer Service.
17.3 You shall inform Ria of any errors to the e-statement within fourteen (14) days from the date the Prepaid/Virtual Card Transactions are posted to the e-statement, failing which you shall be deemed to have accepted all entries contained in the e-statement as correct, final and conclusive evidence of the facts contained therein and binding on you, and you shall thereafter be precluded from making any claims against Ria by alleging that the said e-statement contains any error, discrepancy or inaccuracy.
18. FRAUD AND IRREGULARITIES
18.1 Notwithstanding anything in these Terms, in the event there are suspected fraud or irregularities in relation with the Prepaid Card and/or Virtual Card, Ria shall not recognize the Prepaid Card and/or Virtual Card and no refund on the Prepaid Card/Virtual Card Value shall be made to you by Ria on any suspected fraudulent Prepaid/Virtual Card Transactions. Ria shall not be held liable or responsible in relation to any claim made by you or any third parties on such Prepaid Card and/or Virtual Card.
18.2 You will be liable to us for all losses which we suffer or incur relating to any fraud or fraudulent activity by you at any time.