Terms and Conditions
Posted on August 14, 2023
IME Malaysia (M) Sdn Bhd - Terms & Conditions
Please read carefully. This is part of a legally binding agreement that will affect your legal rights.
1. Parties
1.1 The agreement is between you and IME Malaysia (M) Sdn Bhd dba Ria Financial, whose company registration number is 200101027074 (562832-V) and whose principal office is East High Zone Office, Unit 38-02, Level 38, Q Sentral 2A, Jalan Stesen Sentral 2, Kuala Lumpur Sentral, 50470, Kuala Lumpur, Malaysia “IME"). IME is regulated by Bank Negara Malaysia (BNM). IME is a subsidiary of Euronet Worldwide Inc. (NASDAQ: EEFT) whose registered office is Leawood, Kansas, United States.
2. Transfer Information
2.1 The Transfer will normally be paid in cash but also, where available and if so directed by you, to a bank account (an "Account").
2.2 A Transfer will normally be available for collection by the Beneficiary during the hours of operation at the selected Correspondent's location. However, Transfers may be subject to delay due to availability, conditions in the destination country, or regulatory requirements. IME makes no representation when the Transfer will be available for collection by the Beneficiary,
2.3 If you have directed delivery to an Account, RIA makes no representation as to when the bank maintaining the Account will credit the Account.
2.4.1 a Transfer paid as cash will be available for collection by the Beneficiary; or
2.4.2 a Transfer to an Account will be credited to the bank maintaining that Account, at the end of the next three Business Days after the date of the transaction. Where a "Business Day" is a day on which the Correspondent providing the service to you is open for business except week- ends and national holidays.
2.5 Any requests for transaction received by IME after 18:00 on a Business Day will be treated as requests received on the following Business Day.
2.6 the Transfer does not constitute a deposit or electronic money. Neither you nor the Beneficiary holds a payment account with RIA.
3. Transaction Limits
3.1 You are required to present valid identification ("ID") in order to complete the transaction.
3.2 You may not make a single transaction with a value of more than RM50,000 per day (including any fee).
4. Foreign Exchange
4.1 You may request that the Correspondent provides you with information the currency or currencies available in the Beneficiary's country.
4.2 In addition to the transaction fee applicable to the transaction where you request a currency conversion, IME will apply a currency exchange rate (the "Exchange Rate") to convert the Transfer to the currency of the destination country as set out on the front of the Form.
4.3 Any monies arising from the difference (if any) between the Exchange Rate and the exchange rate received by IME will be kept by RIA and/or its Correspondents.
4.4 If at the time of collection the Beneficiary requests that the Transfer is paid out in a different currency to the one specified by you, the Correspondent may charge an additional fee. This exchange is a separate transaction between the Beneficiary and the Correspondent and does not form part of the Service.
5. Refund Information
5.1 Unless otherwise restricted by law, regulation or regulatory or authoritative direction, in the event that the transaction is cancelled, and provided that an application for refund submitted to IME within 2 years from the date of the transaction, IME shall refund the customer’s funds in full without undue delay and, in any event, within 7 business days from the date of customer's application for a refund of the cancelled transaction. Application for refund can only be made at IME Stores and IME's Authorised Agents. Please contact our Customer Service at 1800882077 or support.MY@riamoneytransfer.com.
6. Liability
6.1 If an incorrectly executed transaction is made you must inform IME on becoming aware of such a transaction and no later than 21 days after the date of the transaction otherwise IME will not correct the transaction unless the information about the transaction was not provided or made available by IME as required by law. You can inform IME through its Customer Services whose contact details are set out in Clause 13.
6.2 If you provide IME with incorrect information in the Form regarding the Beneficiary, IME will not be liable for the non-execution or the defec-tive execution of the transaction. However, IME will make all reasonable efforts to recover the Transfer. IME may charge you for the recovery of the Transfer.
6.3 Except as provided below IME shall not be liable for any amount in excess of the amount equal to the principal transfer amount and the fees paid by you. IME accepts no liability for services delays or any failure to perform the transaction in accordance with your instructions due to local regulations or circumstances outside its control. IME will not be liable for any indirect or consequential loss. IME will not be responsible for goods and services that may be paid for by a Transfer..
6.4 Nothing in this Clause 6 will limit IME's liability for: (i) death or personal injury from its negligence; (ii) fraud committed by IME;.
7. Data Protection
7.1 We would draw your attention to our Data Protection policy available from our Correspondents and prominently displayed in each of our Correspondents' place of business. In particular we would draw your attention to those provisions relating to the transfer of your personal data outside of Malaysia
8. Complaints
8.1 If you need to make a complaint relating to the Service please contact IME's Customer Services by telephone, post or email as set out in Clause 13.
8.2 If IME is unable to resolve your complaint you may also complain to Bank Negara Malaysia at 1-300-88-5465. 9.1 Any defined words or phrases used in the T&C that are not defined here are defined in the Terms.
9.2 You agree that the agreement includes only the Terms and the T&C and is the entire agreement and understanding between you and IME and supersedes and terminates any prior agreement between you and IME.
10. Rights of Third Parties
10.1 No person other than a party to the agreement will have rights to enforce any provision of the agreement.
11. Severability
11.1 In the event any provision (or part provision) of the agreement (whether in the Terms of the T&C) is held by any court or authority of compe-tent jurisdiction to be invalid, illegal or unenforceable that provision or part-provision will, to the extent required, be deemed not to form part of the agreement, and the validity and enforceability of the other provisions of the agreement will not be affected.
12. Language, Governing Law & Jurisdiction
2.1 Where IME provides you with a translation of the English version of the Terms and/or the T&C, you agree that the translation is only for your convenience. The English version of the Terms and the T&C will govern the provision of the Service by IME to you.
12.2 The agreement is to be construed in accordance with the law of Malaysia and any dispute with respect to the agreement is to be subject to the exclusive jurisdiction of the Malaysian courts.
13. Contact Us
13.1 If you have any questions or feedback or would like to lodge a complaint, please contact our Customer Service at 1800882077 or support.MY@riamoneytransfer.com.
Terms and Conditions for IME (M) Sdn. Bhd. – Currency Exchange Services
Posted on [15 December 2025] (v2025)
1. INTRODUCTION
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 is licensed by Bank Negara Malaysia (“BNM”) to carry on money services business, including currency exchange services, under the name 'Ria' and/or 'Ria Money Transfer' (hereinafter “Ria”, “we”, “our” or “us”).
These terms and conditions (“T&Cs”) apply to your use of our currency exchange services. They explain your responsibilities to us, our responsibilities to you, how and when our agreement with you can be terminated, and the extent of our liability to you.
BY CONDUCTING ANY CURRENCY EXCHANGE TRANSACTION WITH US, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE T&Cs. PLEASE DO NOT USE ANY OF OUR SERVICES IF YOU DO NOT ACCEPT THESE T&Cs. THESE T&Cs ARE A LEGALLY BINDING AGREEMENT AND IT IS IMPORTANT THAT YOU TAKE THE TIME TO READ THEM CAREFULLY.
2. SCOPE OF SERVICES
2.1 These T&Cs govern currency exchange services provided by Ria to you in Malaysia, whether carried out at our branches, authorised agents or any other channel we may offer for currency exchange from time to time.
2.2 By engaging in any Transaction with Ria, you agree that these T&Cs (as updated from time to time) apply to that Transaction and all future Transactions. All Transactions between you and Ria are treated as part of a single agreement governed by these standard T&Cs, unless otherwise specified.
2.3 Ria may issue additional service-specific terms or policies. In case of any inconsistency, those service-specific terms will prevail for the relevant service only.
2.4 Ria is not obligated to enter into any Transaction request and reserves the right to decline or limit Services as described in these T&Cs. Our obligations under these T&Cs are conditional upon our acceptance of you as a customer, which is at our sole discretion. We reserve the right to decline to provide our Services to you without giving a reason.
2.5 You must promptly provide all information and documentation which we may request from you at any time to enable us to comply with any legal, regulatory or internal policy requirements relating to our Services, including as required by anti-money laundering and anti-terrorist financing regulation. You consent to us contacting you for these purposes.
3. DEFINITIONS
3.1 In these T&Cs, unless the context otherwise requires:
“Customer”, “you” or “your” means the person using our Services and, where applicable, the person on whose behalf a transaction is carried out.
“Exchange Rate” means the rate at which one currency is converted into another currency in a transaction.
“Services” means our currency exchange services and any related services we may provide under these T&Cs.
“Transaction” means each individual currency exchange transaction carried out by you with us under these T&Cs.
Other capitalised terms shall have the meaning given to them elsewhere in these T&Cs.
4. CHANGES TO THESE T&Cs
4.1 We may amend these T&Cs from time to time, for example to comply with changes in the law or regulatory requirements or due to changes in our Services, processes or market conditions.
4.2 If we make any change to these T&Cs, we will do so by placing the revised version of these T&Cs on our website, at our agents’ premises or any other relevant platforms. We will also inform you of the date from which any change is to take effect (the “Effective Date”).
4.3 Changes will normally only apply to Transactions entered into after the Effective Date but may also apply to earlier Transactions where required by law or regulatory requirements. In any event, and for the avoidance of doubt, the updated version of these T&Cs shall supersede any previous version.
4.4 We do not guarantee that our Services will always be available or uninterrupted. We may suspend, restrict or withdraw the availability of all or any part of the Services for business, operational, maintenance or security reasons. We will try to give you reasonable notice (for example by posting a message on the website, at our agents’ premises or any other platforms) of any scheduled suspension or withdrawal.
5. CUSTOMER ELIGIBILITY AND ACCESS TO OUR SERVICES
5.1 By using the Services, you represent and warrant that:
a) you are at least 18 years old; and
b) you have the legal capacity and authority to enter into a binding contract with us and to carry out the Transaction.
5.2 If it comes to our attention through reliable means that a Customer is under 18 years of age, we will cancel the Transaction and delete all information regarding such Customer from our system and records, except to the extent we are required to retain such information by law.
5.3 We may, in our sole discretion, refuse to provide Services to any person, impose Transaction limits or conditions, or require additional supporting documents before proceeding with any Transaction.
6. CUSTOMER IDENTIFICATION AND DUE DILIGENCE (KYC)
6.1 As a regulated financial services provider, Ria is required to conduct customer identification (Know Your Customer) and due diligence before and during Transactions.
6.2 You must present valid identification documents (such as NRIC, passport, or any other acceptable government-issued photo ID) and provide personal details as required by law or our policies for each Transaction. We may copy, scan or otherwise record your identification information and other documents. If you refuse to provide required identification or information, Ria will not proceed with the Transaction.
6.3 For certain Transactions (for example, large sums or Transactions above regulatory thresholds), we may request additional documentation or information, such as:
a) proof of address;
b) source of funds;
c) purpose of the Transaction; and
d) any other information mandated by BNM guidelines and applicable anti-money laundering and counter-financing of terrorism laws.
6.4 You agree to cooperate with all due diligence requests and ensure all information you provide is true, accurate, current and complete. If any information becomes inaccurate (for example, change of address), you must promptly update us.
6.5 We will verify customer information against sanctions lists and internal databases as required by law and our policies. We may refuse to process, delay or suspend any Transaction until satisfactory KYC and compliance checks are completed.
6.6 All personal data collected for identification and due diligence will be processed in accordance with the Personal Data Protection Act 2010 and our Privacy Policy.
7. TRANSACTION PROCEDURES AND EXECUTION
7.1 To initiate a currency exchange, you must submit a request through Ria’s authorised channels (for example, in person at our branches or authorised agents, or any additional method explicitly offered by Ria for currency exchange). This may involve filling out and/or signing a Transaction form (physical or electronic) and providing all required details.
7.2 All instructions you provide must be clear and accurate. Once we confirm the Transaction details (including Exchange Rate, currency and amount), that confirmation constitutes your agreement to proceed with the Transaction under these T&Cs.
7.3 We will issue a confirmation and/or receipt once the Transaction is executed, detailing key particulars (amounts, rates, fees, date, reference number, etc.). Please keep the receipt as proof of the Transaction and check that its details are correct.
7.4 You must notify us immediately if you do not receive an expected confirmation or receipt, or if it contains errors. Delays in reporting issues may affect the remedies available to you.
7.5 Ria will strive to process Transactions promptly. Delivery of the exchanged currency (whether foreign currency or Malaysian Ringgit) is typically immediate upon payment, unless otherwise agreed.
7.6 Counting and acceptance of cash at the counter
a) You must count and verify the cash you receive before leaving the counter.
b) Once you leave the counter area, we will assume that the amount and currency you received match the receipt, and we will not be responsible for any subsequent claim of shortage, discrepancy or wrong currency, except where required by law.
7.7 For compliance and security, we may impose limits on Transaction amounts, including per-Transaction, daily or monthly aggregate limits per Customer. These limits may be varied from time to time based on law, regulations, market conditions or our risk policies.
7.8 We reserve the right to refuse, decline or cancel any proposed Transaction at our sole discretion, including where:
a) the Transaction appears to violate any law or these T&Cs;
b) you have not provided required information or documents;
c) the Transaction involves a sanctioned country, person or prohibited activity;
d) we believe the Transaction is suspicious, fraudulent or high-risk;
e) your payment is not received in full or is reversed; or
f) you are otherwise in breach of these T&Cs.
If we refuse or cancel a Transaction, we are not liable for any loss or inconvenience arising from such refusal or cancellation where permitted under these T&Cs or applicable law. Any funds already paid by you to us for a refused Transaction will be returned to you, unless prohibited by law (for example, where funds must be frozen or seized by authorities).
7.9 Ria may also suspend processing of a Transaction pending further review if needed to comply with legal obligations. You shall not hold Ria responsible for any delay or failure in execution due to compliance checks or unforeseen issues beyond Ria’s control (e.g. power failures, network issues, system downtime, etc.).
7.10 We may record telephone calls or electronic communications with you for quality control, training, and evidentiary purposes. Our records of instructions and Transactions are deemed accurate unless you can prove otherwise.
8. EXCHANGE RATES, FEES AND PAYMENT
8.1 We will provide or confirm the applicable Exchange Rate for your currency conversion before you finalise the Transaction. Exchange Rates are determined by us based on prevailing market rates and may include a margin in our favour. The rate applicable to your Transaction will be stated on the receipt.
8.2 We will disclose all fees, charges and taxes applicable to a Transaction upfront. These may include Transaction fees, service charges or other applicable fees. Such fees will either be:
a) collected from you in addition to the principal amount; or
b) deducted from the amount you receive,
and will be made clear to you at the time of the Transaction. You agree to pay all applicable fees and charges for each Transaction at the time of the Transaction. Government taxes (if any), such as SST, will be borne by you and indicated on the receipt where applicable.
8.3 You must pay the equivalent value in the source currency (plus any fees) to Ria in cash or via an accepted payment method before receiving the target currency. If you pay using a method that is later reversed or rejected (e.g. chargeback, bounced cheque or failed transfer), Ria reserves the right to recover the shortfall from you and has no obligation to complete or honour the Transaction.
8.4 If we cannot collect or retain your payment, we may cancel or reverse the Transaction and, if necessary, demand the return of any currency that was delivered to you or set-off such amounts against any sums we owe you.
9. CUSTOMER OBLIGATIONS AND PROHIBITED ACTIVITIES
By using our Services, you agree to the following obligations:
9.1 All information you provide must be true, accurate and complete. You confirm that the funds involved belong to you or that you are legally authorised to transact on behalf of the owner. You will not misrepresent your identity, the source of funds or the purpose of the Transaction.
9.2 You will only use our Services for legitimate and lawful purposes. You must not use the Services for any activity that is illegal under Malaysian law or under laws applicable to you. Prohibited purposes include (without limitation):
a) money laundering;
b) terrorism financing;
c) fraud;
d) payments for illegal goods or services;
e) evasion of currency controls or sanctions.
We may require you to state the purpose of your Transaction and you must provide truthful answers.
9.3 Our Services are for retail currency exchange for personal or ordinary business needs, not for speculative trading or investment purposes. You agree not to use our Services for repeated speculative currency trading to profit from exchange rate movements. We may refuse or restrict Services if we detect such use and it falls outside our intended scope or licence conditions.
9.4 You must follow our operational instructions when using the Services. You are responsible for any Transactions made under your name if you have allowed another person to act or impersonate you at our counters or through any authorised channel.
9.5 You must not:
a) use counterfeit or suspicious currency;
b) abuse promotions or incentives;
c) collude with staff, agents or third parties to defraud us;
d) interfere with or attempt to compromise our systems, security or operations.
We may report any suspicious or fraudulent activity to law enforcement or relevant authorities and may terminate or restrict your access to our Services.
9.6 For each Transaction, you represent and warrant that:
a) you have the legal capacity and authority to enter into the Transaction;
b) the funds used are derived from lawful sources;
c) the Transaction does not violate any applicable law, sanction or restriction binding on you or us; and
d) you have read, understood and will comply with these T&Cs.
These representations are deemed repeated each time you initiate a Transaction.
10. ERRORS, DISCREPANCIES AND REPORTING
10.1 If you believe that there is an error in a Transaction (for example, wrong amount or wrong currency) you must notify us immediately and, in any event, as soon as reasonably practicable after becoming aware of the issue.
10.2 Where we have given you an incorrect amount or currency due to our error, we may require you to return the excess or incorrect currency and we will correct the Transaction, including by giving you any short amount or the correct currency.
10.3 Where we have executed a Transaction strictly in accordance with the information you provided, and that information was wrong or incomplete, we will not be liable for any loss you suffer. We may, however, at our discretion and without obligation, attempt to assist you to mitigate any loss.
10.4 If we discover an error in our favour after the Transaction (for example, we provided more currency than we should have due to a counting or system error), you agree to cooperate with us to correct the error, including returning the excess amount or authorising a reversal.
11. CANCELLATION, REFUNDS AND BUY-BACK OF CURRENCY
11.1 Once a cash currency exchange Transaction has been completed and you have received or handed over the cash, it generally cannot be reversed or cancelled due to the immediate nature of currency exchange.
11.2 If you later decide you no longer want the currency you have purchased, Ria is not obliged to reverse the Transaction at the same Exchange Rate. You may request a new Transaction to convert the currency back, which will be subject to the prevailing Exchange Rate and fees at that time.
11.3 We may cancel or reverse a Transaction in accordance with these T&Cs, including where:
a) the Transaction is found to be unlawful, fraudulent or in breach of these T&Cs;
b) you fail to pay or your payment is reversed;
c) required approvals or checks cannot be completed satisfactorily; or
d) we are required to do so by law, court order or regulatory direction.
If we cancel a Transaction after receiving your payment, we will (where permitted by law) return your funds, subject to any deductions required by law or to cover our reasonable costs and losses.
11.4 Any agreement by us to buy back previously sold currency is entirely at our discretion and will be subject to:
a) our prevailing Exchange Rate for that currency on the buy-back date;
b) our fees and applicable taxes; and
c) any regulatory limits or requirements.
We are not obliged to buy back any currency and may decline for any reason (for example, if the notes are old series, damaged, discontinued or if regulations change).
12. COUNTERFEIT, MUTILATED OR SUSPICIOUS CURRENCY
12.1 We reserve the right to refuse to accept or to withdraw from a Transaction any currency notes or coins that we reasonably consider counterfeit, tampered with, heavily damaged, mutilated, discontinued, or suspicious.
12.2 Where required or permitted by law, we may retain such notes and hand them over to the relevant authorities or act in accordance with BNM guidelines on handling suspected counterfeit currency. We are not obliged to compensate you for any notes that are seized or retained by authorities in accordance with applicable laws and guidelines.
12.3 If suspicious currency is discovered after a Transaction and is reasonably linked to that Transaction, we may contact you for clarification and may be required to disclose your details and Transaction records to law enforcement or regulatory authorities.
13. CIRCUMSTANCES BEYOND OUR CONTROL
We do not assume any liability if we are unable to perform, or are delayed in performing, any of our obligations to you due to circumstances beyond our reasonable control. These include (without limitation) industrial action, labour disputes, acts of God, natural disasters, war, riot, civil commotion, acts of terrorism, vandalism, sabotage, system or power failures, internet or network outages, cyber-attacks, regulatory actions, market disruptions or extraordinary fluctuations in financial markets that materially affect our ability to provide the Services in compliance with applicable laws and regulations.
If any of these circumstances occur, these T&Cs (and our obligations) may be suspended for the period during which such circumstances continue, or we may, at our discretion, terminate these T&Cs in order to protect both you and us.
14. INTELLECTUAL PROPERTY
14.1 Our Services, are owned by us, the Euronet Worldwide Inc. group (a group to which we belong) (“Our Group”) and/or our/their licensors or other providers of such material. They are protected by Malaysian, and international laws governing copyright, trademark, patent, trade secret and other intellectual property or proprietary rights and remain the property of us, Our Group and any relevant third party licensors.
15. PERSONAL DATA PROTECTION
Our Privacy Policy sets out the terms on which we process any personal data we collect from you, or that you otherwise provide or have provided to us. By using our Services, you consent to such processing and you represent and warrant that all data provided by you is accurate. Our Privacy Policy is available by clicking on the “Privacy Policy” link on our website.
16. TERMINATION AND SUSPENSION
16.1 We may terminate these T&Cs and/or suspend your access to our Services immediately if:
a) you do not provide us with all details or documents we require to perform a Transaction or to meet legal or regulatory obligations;
b) it becomes unlawful for us to continue to provide our Services to you, or we are required to do so by law, any court of competent jurisdiction or any governmental or regulatory body;
c) you commit a material breach of these T&Cs or we have reasonable cause to suspect any crime, fraud, fraudulent activity or money laundering by you;
d) you become insolvent or unable to pay your debts, or are subjected to bankruptcy, liquidation or similar proceedings; or
e) circumstances beyond our control (as set out in Section 13) make it impracticable or unsafe to continue to provide the Services.
16.2 Termination does not affect any rights or obligations which have already accrued at the time of termination. Sections which by their nature are intended to survive termination (including Sections 13, 15–19, 20–26) will continue to apply.
17. INDEMNITY AND RESPONSIBILITY FOR LOSSES
17.1 To the fullest extent permitted by law, you agree to indemnify and hold Ria and Our Group (including our respective directors, officers, employees, agents and contractors) harmless from and against any and all claims, liabilities, losses, damages, costs and expenses (including reasonable legal fees) that we may incur arising out of or related to:
a) your breach of these T&Cs;
b) your violation of any applicable law or regulation;
c) your use of our Services for any unlawful or prohibited purpose; or
d) any misrepresentation, negligence, fraud or wilful misconduct by you in connection with any Transaction.
17.2 This indemnity includes (for example) fines or penalties imposed on us due to your conduct, and any claims by third parties where we suffer damage as a result of your actions.
17.3 You agree that indemnified amounts shall be paid by you to us on demand. Your indemnity obligations survive termination of our relationship or completion of any Transaction.
18. LIMITATION OF LIABILITY
18.1 Our total liability to you in connection with any single Transaction is limited to the full amount of that Transaction together with any fees that you paid to us in respect of that Transaction.
18.2 We will not be liable for any indirect, consequential, incidental, special or punitive losses or damages, including but not limited to loss of profits, loss of business, loss of opportunity or loss of goodwill, whether arising in contract, tort (including negligence) or otherwise, even if we have been advised of the possibility of such losses.
18.3 If we contravene any requirement imposed on us by relevant laws and regulations, we will not be liable to you if such contravention is due to abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary, or where such contravention is due to other obligations imposed on us under applicable laws and regulations.
18.4 Nothing in these T&Cs excludes or limits any liability which cannot be excluded or limited under applicable law, including liability for death or personal injury caused by our negligence or that of our employees or agents, or for fraud or fraudulent misrepresentation.
19. INQUIRIES OR COMPLAINTS
19.1 We value all our Customers and take our obligations seriously. You may contact our customer service team in relation to our Services by telephone on 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.
19.2 We have established internal procedures for investigating any complaint that may be made against us. In accordance with our complaints procedure, any complaint you may make must be made by telephone to 1800 88 2077, or by email to: MY_support@riamoneytransfer.com
19.3 If you are still dissatisfied following our response to any complaint, you have a right to refer your complaint to the BNM at 1300 88 5465 or through BNM’s eLINK web form at: https://telelink.bnm.gov.my/
20. APPLICABLE LAW, JURISDICTION & LANGUAGE
20.1 These T&Cs, their subject matter and formation are governed by the laws of Malaysia, without regard to conflict-of-law rules.
20.2 You and we agree that the courts of Malaysia shall have exclusive jurisdiction over any disputes arising out of or in connection with these T&Cs or any Transaction.
20.3 These T&Cs do not affect your statutory rights as a consumer under Malaysian law.
20.4 We may, at our discretion, provide translations of these T&Cs. Any translation is for convenience only and does not form part of the agreement. The English version shall prevail.
21. THIRD PARTY RIGHTS
A person who is not a party to this agreement will not have any rights to enforce any provision of these T&Cs.
22. SEVERABILITY
If any court of competent jurisdiction finds that any part of these T&Cs is invalid, unlawful or unenforceable for any reason, those parts shall be deleted from these T&Cs and no-one other than you or we can enforce any of the terms or take any action on remaining parts of these T&Cs in force. This will not affect the validity of the remaining parts which will continue to be binding on you and us.
23. NO WAIVER
No failure to enforce or delay in enforcing any right or remedy available to you or us under these T&Cs (including as provided for in these T&Cs or otherwise available under Malaysian laws) will mean that you or we cannot exercise any such right or remedy at a later date.
24. ASSIGNMENT
24.1 You may not assign, transfer, charge or dispose of these T&Cs or any of your obligations, rights or privileges under these T&Cs to any other person at any time without our prior consent in writing.
24.2 We may assign, transfer, charge or dispose of these T&Cs in whole or in part or any of our obligations, rights or privileges to any other person at any time (including to any affiliates in Our Group), but we will take appropriate steps to try to ensure that doing so will not harm any of your rights under these T&Cs.
25. ENTIRE AGREEMENT
These T&Cs constitute the entire agreement between you and us and supersede any prior agreements (whether written or oral) which may exist between you and us. Nothing in this clause will exclude any liability which you or we would otherwise have to the other in respect of any statements made fraudulently.
26. TRADEMARKS
The name(s) Ria, Ria Financial, Ria Money Transfer, IME, Euronet Worldwide, Inc., Euronet and Dandelion and all related names, logos, names of products and services, designs and related slogans are registered trademarks belonging to us, Our Group, or its subsidiaries or other license holders (as the case may be). You may not use these trademarks, names, logos or slogans or without our prior written consent. All other names, trademarks and signs shall be used exclusively for identification purposes and they are registered trademarks of their respective owners.