For this User Agreement, the following expressions or capitalized words when used here shall have the following meaning:

"Account Activity" means your activity in utilizing Billplz Services. This means the FPX collection made by your Billplz account, or the payout done by Billplz to your bank account, or the payment order executed by Billplz on behalf of your Billplz account.

"Acquiring Bank" means a bank or Financial Institution that processes FPX, Debit/Credit Card Transactions on behalf of a merchant.

"Activation Fee" means the fee that may be deducted from your Billplz Credit balance, for the activation and renewal of applicable payment methods or other Billplz Services at your Billplz Account, upon your request.

"Authorized Users" means the verified users who have gone through the Billplz KYC process and are recorded by Billplz as the owner, administrator or viewer of a Billplz Account.

"Auto-reload" means the feature which allows Billplz to deduct from your daily total collection amount to reload your Billplz Credit balance automatically on the next Calendar Day to offset any negative credit balance.

"Auto-renew" means the feature which allows Billplz to renew your Standard Membership automatically.

"Billplz", "we", "us" or "our" means Billplz Sdn Bhd (Registration No.: 201201039375) (1023853-P).

"Billplz Account" means an account that is registered under a Merchant that is verified by Billplz.

"Billplz Credit" means an amount of credits in monetary value, allotted and matched the amount reloaded by you to your Credit Balance. Billplz Credit shall be used for deduction against the FPX Transaction Fee incurred, Membership Fee, Payment Order fee, Shopify Fee, and applicable Activation Fee.

"Billplz Fee" means the Membership fee, Collection fee, Activation fee, and Payment Order fee.

"Billplz Services" means all or any of our services including our publicly available application programming interfaces (APIs), billing, payment form, payout, split payment, and any other features, technologies, and/or functionalities as may be offered by us from time to time on our Billplz Website or through any other means.

"Billplz BPO Services" means our business process outsourcing ("BPO") features that are available for, including but not limited to, Receivables, Reconciliation, Payables, and Payroll requirements under the Enterprise Membership.

"Billplz Website" means www.billplz.com and its subdomains.

"Business Day means any day (excluding Saturdays, Sundays, federal holidays, and special holidays where Billplz declares its office closed) on which banks in Kuala Lumpur, Malaysia are open for business.

"Calendar Day" means any day shown on the calendar beginning at 00:00 and ending at 23:59, including Saturdays, Sundays, federal holidays, and special holidays.

"Collection Fee" means the fee chargeable to you by the Financial Institutions for applicable transactions including but not limited to, merchant discount rate (MDR), that arise from your collection via Billplz. The Collection Fee shall be deducted by the Financial Institution based on their policy.

"Confidential Information" means all information described under the Confidentiality section below and disclosed by either Party and generally not publicly known, whether tangible or intangible and in whatever form or medium provided, as well as any information generated by a Party that contains, reflects, or is derived from such information.

"Consumer" means any purchaser that authorizes payment for your goods or services, or donation to/via your organization.

"Credit Balance" means an amount of credits in monetary value that is reloaded and stored within your Billplz Account that shall be used to deduct fees required to use Billplz Services.

"Credit Movement" means changes to your Billplz Credit Balance by reloading, deduction, or transfer of your Billplz Credit within three hundred and sixty-five (365) Calendar Days.

"Debit/Credit Card Transactions" means debit or credit card transaction conducted via Billplz's Financial Institution partners with a configuration of respective Merchant ID to your Billplz Account subject to respective payout policy to your bank account.

"Default Payment Method" means FPX B2C Shared ID payment method.

"Financial Institution" means any organization licensed by Bank Negara Malaysia that is engaged by the relevant Party for the fulfilment of Billplz Services.

"Financial Process Exchange" or "FPX" means an online payment gateway operated by Payments Network Malaysia Sdn Bhd that facilitates the interbank transfer of funds ie online banking.

"FPX Own ID Payment Method" means FPX transaction conducted via Billplz with a configuration of your FPX Seller ID to your Billplz Account subject to real-time payout to your bank account by the Financial Institution.

"FPX Seller ID" means a unique alphanumeric code assigned by FPX to identify the Merchant.

"FPX Seller Own Name" means FPX transaction conducted via Billplz with a configuration of your FPX Seller ID to your Billplz Account subject to Billplz Payout policy to your bank account.

"FPX Shared ID Payment Method" means FPX transaction conducted via Billplz with a configuration of Billplz FPX Seller ID to your Billplz Account subject to Billplz Payout policy to your bank account.

"FPX Transactions" means the transactions conducted on FPX, which include internet banking via current, savings, or credit card accounts.

"FPX Transaction Fee" means the fee that is deductible by Billplz from your Billplz Credit balance or the Financial Institution for FPX Transactions arising from your usage of Billplz Services.

"Information" means any Billplz Account information that you provide to us, including but not limited to personal information, financial information, or other information related.

"Marks" means any trademarks and service marks (whether registered or not, or at common law), trade names, organization names, logos, symbols, and internet domain names.

"Membership Fee" means the membership fee that is deductible by Billplz from your Credit Balance for your Membership subscription to utilize Billplz Services.

"Membership" means the membership plan that is available on the Pricing page, that allows you to access Billplz Services.

"Merchant" or "you" means an organization using Billplz Services that is verified by Billplz.

"Offer Letter" means a written offer by Billplz or the Financial Institution regarding Merchants' subscription of Billplz Enterprise Membership or FPX Transaction Fee either in its entirety or in part.

"Other Payment Methods" means Debit/Credit Card, Installment, Tokenization, Wallet and/or Buy Now Pay Later (BNPL) transaction conducted via Billplz with a configuration of your Merchant ID to your Billplz Account subject to the Financial Institution payout policy to your bank account.

"Party" means either Billplz or Merchant and "Parties" means Billplz and Merchant collectively.

"Payment Method" means any type of payment method that is available to you within Billplz Services from time to time (subject to Financial Institutions). Please refer to Membership section at (f).

"Payment Order" means the feature for you to disburse an amount to one or multiple bank accounts via API instruction in real-time.

"Payment Order Limit" means the amount reloaded into your Billplz Account for any Payment Order API execution.

"Payout" means the disbursement of your collection (after deduction of Auto-reload, Billplz Fee and/or Collection Fee if applicable) made by Billplz and/or the Financial Institution to your bank account subject to the respective Payout policy.

"Platform"" means Billplz's proprietary platform (whether in staging or production environment), system, and/or other application platforms.

"Product Disclosure Sheet" means a documented full disclosure of the scope of the Enterprise Membership.

"Self-Reload" means the feature which allows you to reload an amount to your Billplz Credit Balance and Payment Order Limit.

"Subscription Period" means the period of the Memberships offered by Billplz. The length of the period is subject to either the Billplz pricing page or the Offer Letter.

By registering a Billplz Account with us, you agree to appoint Billplz to facilitate your collection and disbursement activities and to integrate and maintain your payment methods as described in this User Agreement.

We reserve the right to amend, modify, add or remove any terms under this User Agreement at any time, at our sole discretion. Changes shall become effective immediately upon upload and publication by us on the Billplz Website. Your continued use of Billplz Account and/or Billplz Services shall constitute your acceptance of the prevailing User Agreement including any term which may have been amended from time to time. You are responsible for regularly checking this User Agreement for updates or amendments.

Billplz is not a Financial Institution and therefore has no control over any of the Financial Institution’s uptime and availability in fulfilling Billplz Services or processing payouts.

You agree with Billplz’s appointment of any of the Financial Institutions to process FPX/Cards/Wallets transaction and perform payouts following the terms of this User Agreement. A clearing account for FPX payouts shall be maintained by the Acquiring Banks of our designation. We may add, remove, or change the Acquiring Banks designated as our clearing account at any time. Your continued use of Billplz Account and/or Billplz Services constitutes your consent and agreement to such additions, removals, and changes.

We reserve the right to change our Memberships periodically. Such change may or may not affect the plan you have subscribed for. We aim to provide reasonable notice to you if we are of the view that you are affected by the change. Changes shall become effective immediately upon notification by us to you via your registered login email or such other date as may be determined by Billplz. Your continued use of Billplz Account shall constitute your acceptance of the latest Membership changes.

a. Verification and Signing Up

Before using Billplz Services, you must be verified with Billplz via Billplz SSO to create your Billplz Account. To register for a Billplz Account, the Authorized Users (you or the person applying) must provide Billplz SSO with your organization name, both Authorized User and organization email addresses, phone number, your organization bank account details, the nature of your business or activities, and certain other information about you that Billplz SSO requires for your Default Payment Method integrated with your Billplz Account. Your Billplz Account shall not be available to you until the required information submitted by you has been reviewed and approved by Billplz SSO. Billplz SSO may share information about your Billplz Account with any Financial Institution to verify your eligibility to use the Default Payment Method.

Once your Billplz Account has been verified at the Billplz SSO level, your bank account details cannot be changed.

Only organizations registered with either the Companies Commission of Malaysia or Registrar of Societies, and other government entities located in Malaysia and possess a Malaysian corporate banking account are eligible to register for a Billplz Account and use Billplz Services. You shall not use Billplz Services if you are an individual, and you are not at least 18 years old.

You shall not register for a Billplz Account on behalf of a user Billplz previously suspended or terminated. You also shall not register for another Billplz Account if your previous Billplz Account has been suspended or terminated.

Your Billplz Account shall be converted into a dormant account after three hundred and sixty-five (365) Calendar Days from the date of the last Account Activity appearing in your Billplz Account. For example, if a Merchant's last account activity is on 1 April 2022, the account is active until 31 March 2023 and shall be converted into a dormant account on 1 April 2023.

b. Individual Verification via CTOS eKYC

During your Billplz Account registration, Billplz will perform the verification on the authorized user(s) via CTOS eKYC. The individual verification process consists of Step 1 Document Verification and Step 2 Facial Recognition.

Step 1 Document Verification process requires Authorized User(s) to capture their government issued ID (NRIC or Passport) to be verified as genuine by CTOS. Step 2 Facial Recognition process requires Authorized User(s) to record 2 to 4 seconds video in front of a camera to verify that the video capture is live and further verification to be executed by CTOS.

Pursuant to the Credit Reporting Agencies (CRA) Act 2010, the authorized user(s) whom provide their required details to Billplz SSO acknowledge and agree:

1. To disclose the Authorized User’s information to CTOS and authorizes CTOS to process and disclose the Authorized User’s credit information to Billplz.
2. CTOS may disclose the Authorized User’s credit information to Billplz in accordance with the provisions of the CRA Act 2010.

By registering for a Billplz SSO Account, you consent to all the terms listed in both Billplz’s User Agreement and CTOS Privacy Policy at https://ctosid.ctos.com.my/ctosid_new/Privacy.

c. Nature of Business

You shall only use Billplz Services for the nature of business you have provided to us. In the event you intend to use Billplz Services for any other types of business or transaction, or if you have changed your nature of business, you shall inform us in writing and obtain our consent prior to using Billplz Services for such nature of business or transactions.

Restricted nature of business categories may be imposed through card network rules, requirements of our Financial Institution partners, or due to compliance and legal obligations. Please refer to our Appendix of Regulated and Prohibited Nature of Business.

d. Memberships

Each Membership plan is subject to its Membership, FPX Transaction Fee and Collection Fee that are specified on the Pricing page. The available Memberships on Billplz are as follows:

1. Basic Membership (default)
2. Standard Membership
3. Enterprise Membership

Upon successful verification and registration, your Billplz Account shall automatically be on Basic Membership. Basic Membership provides the Default Payment Method, which is set under our FPX B2C Shared ID. Please refer to item a. above.

FPX Shared ID Payment Method is only available under Billplz Basic and Standard Membership.

You may request to activate FPX B2B Shared ID for your Billplz Account. The request is subject to Billplz’s management approval. Billplz may add or remove these Payment Methods without prior notice to you.

If you wish to subscribe to Enterprise Membership, you are required to be registered with the Financial Institution to acquire your FPX Own ID.

As the default membership, Basic Membership does not require you to subscribe to it and it lasts up until you decide to subscribe to Standard or Enterprise Membership, or close your Billplz Account. It also serves as a fallback in case your Standard or Enterprise Membership subscription has lapsed.

e. Subscription Period

Whereas Basic Membership lasts ‘forever’, Standard Membership has a subscription period, which lasts for three hundred and sixty-five (365) Calendar Days. For example, if a Merchant subscribes to the Standard Membership on 1 April 2022, the subscription period for the Membership is active until 31 March 2023.

If you activate Auto-Renew for your Standard Membership, you agree that at the expiry of the subscription period (and of each renewal period thereafter), your membership subscription shall automatically renew for the same subscription period. The fee to be deducted shall reflect on your Billplz Credit Balance.

For Enterprise Membership, the subscription period is subject to the Offer Letter.

If you have not selected Auto-Renew for your Standard Membership, or your Enterprise Membership expires and you opt not to renew the Membership, then Billplz shall automatically downgrade your Membership to Basic Membership after the expiry of the subscription period. Where there is an automatic downgrade to the Basic Membership, your Billplz Services shall be governed by Basic Membership’s features and its fees.

If you have selected Auto-Renew for your Standard Membership, but your last transaction appearing in your Billplz Account is more than thirty (30) Calendar Days before the expiry date of your Standard Membership, Billplz shall automatically downgrade your Membership to Basic Membership after the expiry of your Standard Membership.

When you subscribe to Standard or Enterprise Membership, you are purchasing the Membership, which we add and/or integrate to your Billplz Account. Please be aware that subscribing to any of the Memberships more than once shall result in the additional subscriptions being applied immediately after the initial subscription expires. For example, if you subscribe to Standard Membership twice, your Membership shall last for twice the period.

The Memberships subscribed are non-transferable and cannot be cancelled. Please refer to the Termination section for further clarification.

f. Membership Upgrade or Downgrade

You may upgrade to Standard Membership at any point in time. The upgrade is immediate and lasts until the membership subscription period expires (unless Auto-Renew is activated).

You may upgrade to Enterprise Membership. The upgrade is not immediately available as it depends on your organization’s requirements for Billplz BPO Services, and Billplz’s review of the membership suitability.

You may downgrade to Basic Membership at any point in time. However, as the membership subscription is on a purchase-basis, your Standard Membership continues until the subscription period expires, and then your Billplz Account shall be on Basic Membership.

For Enterprise Membership, a downgrade is subject to the Offer Letter and Product Disclosure Sheet.

Billplz does not accept liability for any loss concerning your membership upgrade or downgrade.

g. Support

Support and solution to general issues relating to your Billplz Account and your use of Billplz Services shall be provided as described on our Pricing page. The support and solution provided include resources that are available to you on Billplz’s Support page, Billplz’s API, and other pages.

Billplz shall not be responsible for providing support for any issues regarding fulfillment or services that you provide to your Consumers. Upon a written request, your Consumers may obtain our assistance on a best endeavour basis to resolve the issues promptly.

Billplz offers various Payment Methods as part of Billplz Services that include:

a. FPX Shared ID

FPX Shared ID Payment Method utilizes our Billplz FPX Seller ID to enable you to accept FPX Transactions without registering for your FPX Seller ID. FPX B2C Shared ID is enabled for your Billplz Account by default. It is available by default at Basic and Standard Memberships; for Enterprise Membership, you are required to acquire your own FPX Own ID (please refer to c. FPX Own ID). FPX B2B Shared ID is an optional payment method upon request by you and it is subject to Billplz’s management approval.

For the FPX Shared ID Payment Method, daily total collection (minimum RM0.01) shall be deposited automatically into your bank account on the next Business Day (UTC+08:00 Kuala Lumpur) anytime between 00:00–23:59 excluding Friday, Saturday and Sunday. For example:

If the present payout day is a federal holiday or a special holiday where Billplz’s office is closed, payout day shall be the next Business Day. Payout shall be provided on a best effort basis based on the designated Acquiring Bank’s uptime and availability.

You agree to ensure that your banking details remain accurate. If there is a failure of payout for a period of time due to incorrect information of the banking details provided by you, Billplz is entitled to convert the Payout amount to your Billplz Credit. Please refer to Billplz Fee section at (a) below, and Termination section below.

a. FPX Own Name

FPX Own Name Payment Method utilizes your own FPX Seller ID configured to your Billplz Account to enable you to accept FPX Transactions and receive your payouts subject to Billplz Payout policy. It is available at Basic and Standard Memberships; for Enterprise Membership, you are required to acquire your own FPX Own ID (please refer to c. FPX Own ID).

For FPX Own Name Payment Method, daily total collection (minimum RM0.01) shall be deposited automatically into your bank account on the next Business Day (UTC+08:00 Kuala Lumpur) anytime between 00:00–23:59 excluding Friday, Saturday and Sunday. For example:

If the present payout day is a federal holiday or a special holiday where Billplz’s office is closed, payout day shall be the next Business Day. Payout shall be provided on a best effort basis based on the designated Acquiring Bank’s uptime and availability.

You agree to ensure that your banking details remain accurate. If there is a failure of payout for a period of time due to incorrect information of the banking details provided by you, Billplz is entitled to convert the Payout amount to your Billplz Credit. Please refer to Billplz Fee section at (a) below, and Termination section below.

c. FPX Own ID

FPX Own ID Payment Method utilizes your own FPX Seller ID configured to your Billplz Account to enable you to accept FPX Transactions and receive your payouts in real-time by the Financial Institution. This is only available in Receivables BPO. FPX Own ID shall be provided by the acquiring bank.

For FPX Own ID Payment Method, each transaction amount shall be subjected to real-time payout to your bank account. The FPX Transaction Fee for Own ID Payment Method shall be subjected to the Offer Letter by Billplz or the Financial Institution partners.

d. Other Payment Methods

Other Payment Methods utilize our Financial Institution partners to enable you to accept the respective transactions. This payment method is enabled at your Billplz Account by applying to be registered with our Financial Institution partners for an account. With our assistance, you are required to complete the application and are subjected to our Financial Institution partners' approval before being able to integrate and accept debit/credit card transactions.

Other Payment Methods are subject to the respective Financial Institution partners’ offering, merchant agreement and policy applicable to the respective Payment Methods. This includes Further Documentation, Verification And Approval Of The Respective Financial Institutions. Billplz may add or remove these Payment Methods and/or Financial Institutions at any time without prior notice to you.

Billplz shall not be held responsible for any loss or damages your incur howsoever arising whether in contract, tort, negligence, strict liability or any other basis between you and the Financial Institutions.

All Billplz Fees shall be in Malaysian Ringgit (MYR). No other currency shall be applicable to credit reload, invoice payment, and all payouts to your Banking Account.

a. Credit Balance

Billplz Credit Balance is an amount of funds in MYR currency that shall be used to deduct any FPX Transaction Fee, Membership Fee, and any applicable fees that are required to use Billplz Services. If you integrate your Shopify store with your Billplz Account, you shall be charged an additional 0.30% per transaction via Billplz Credit Balance (in addition to the respective transaction fees based on your Membership and applicable Payment Method).

A Merchant shall Self-Reload an amount to their Credit Balance via online banking. The minimum reload amount is RM2, and at any one time, the maximum amount of your Credit Balance can hold is RM 30,000.

A Merchant may transfer Billplz Credit in your Credit Balance to another Billplz Account. Please ensure that the details of the transfer are accurate as Billplz does not accept liability for any loss arising from its execution of transfer due to inaccurate details provided by the Merchant.

Your Credit Balance shall expire after three hundred and sixty-five (365) Calendar Days from the date of the last Account Activity appearing in your Billplz Account. Expired Billplz Credits mean the Billplz Credits shall be rendered null and void. Billplz does not accept liability for the forfeiture of your Billplz Credit.

b. Deduction

Deductions shall be made at your Billplz Credit Balance for the following fees:

1. Membership fee (Self-Reload and Auto-Renew)
2. Activation fee
3. Payment Order fee
4. Shopify Collection fee

You shall ensure that there is a positive balance in your Credit Balance for Billplz Credits deduction due to applicable fees. If there is a negative balance in your Credit Balance, Billplz shall set off the deduction amounts owed from your Payout via Auto-Reload. For example, if the amount due is -RM154, then we shall deduct RM200. If the amount due is -RM1821, then we shall deduct RM1900. The Payout for the remaining balance of daily total collection amount will be executed accordingly. Billplz shall be entitled to, at its sole discretion, suspend you from utilising Billplz Services until any applicable Fee, including but not limited to Shopify fee, has been settled/offset via deduction from your Credit Balance.

Where you have selected Auto-Renew for your Standard Membership, then Billplz shall deduct the amount of the Membership Fee and/or Activation Fees (if applicable) from your Credit Balance two (2) days before the expiry of the Subscription Period. For example, if a Merchant subscribes to the Standard Membership on April 1, the Merchant’s subscription shall automatically renew within two (2) days before April 1.

The fee deducted from your Credit Balance for subscribing to Standard Membership is non-refundable.

FPX Transactions conducted and FPX Transaction Fee deducted/incurred are non-reversible and non-refundable, respectively.

c. Invoice Payments

If there should be any payments to be made due to invoices issued by Billplz, such payment shall be made to Billplz within thirty (30) days of the date of the invoice. If a Merchant is delinquent on payment of the invoices for fourteen (14) days or more, Billplz may suspend the Merchant’s access to Billplz Services or decline any late payment. Complaints concerning invoices must be made in writing within fourteen (14) days from the date of the invoice. Invoices shall be sent by electronic delivery unless requested otherwise by you, where additional fees shall apply.

d. Payment Order

This is a feature for merchants to disburse an amount to one or multiple bank accounts via Payment Order API.

The amount set for a payment order shall be reloaded into the Payment Order Limit at your Billplz console before any Payment Order API execution.

Billplz reserves the right to perform a refund on the Payment Order Limit reloaded to your registered business bank account with Billplz at any time, at Billplz’s sole discretion. Merchant will be notified through email once the Payment Order Limit refund has been executed.

Billplz shall not be liable for any loss or damages caused by the delay in the Payment Order Limit refund arising from howsoever, including but not limited to system downtime or service interruption.

Please ensure that the amount reloaded for Payment Order API execution is not into your Billplz Credit Balance.

Please refer to Merchant Warranties And Obligations section on the Payment Order obligations.

Any fees are exclusive of all taxes, levies or duties imposed by tax authorities, and you shall be responsible for payment of all such taxes, levies or duties. You shall reimburse Billplz and hold Billplz harmless for all sales, use, value added tax, excise, property or other taxes or levies which Billplz is required to collect or remit to applicable tax authorities.

You agree to be bound by this User Agreement from the date you are verified and have access to your Billplz Account until terminated by you or Billplz, with or without cause. You may terminate this User Agreement by emailing us to close your Billplz Account. Billplz may close your Billplz Account within seven (7) Calendar Days from the date of notice issued by Billplz to you.

Your available Credit Balance is non-refundable in any circumstances, including but not limited to the closure of your Billplz Account. Once the closure of your Billplz Account is in effect, this User Agreement is considered to be terminated by you. Please refer to item (d) below.

a. Suspension, closure, or limiting of your Billplz Account without cause

Notwithstanding the above, Billplz may suspend, close or limit your Billplz Account and/or access to Billplz Services or remove any data or content transmitted via the Platform without liability, and any license created hereunder may be limited by Billplz. We shall not refund you for any fees deducted from your Billplz Credit and your remaining Billplz Credit Balance.

b. Suspension, closure, or limiting of your Billplz Account with cause

Billplz has the sole discretion to suspend, close or limit your Billplz Account and/or access to Billplz Services or remove any data or content transmitted via the Platform immediately without prior notice and liability, and any license created hereunder may be limited by Billplz:

1. if you use Billplz Services with false, manipulated, inaccurate, or misleading information regarding your identity, business entity, the nature of business, and any other information or official and legal documentation requested by Billplz. This includes inaccurate contact information provided to Billplz;
2. if you abuse Billplz Service, particularly Payment Order, for any use that we determine presents a higher than acceptable level of risk;
3. if you fail to make any payments due within fourteen (14) days of the invoice of any applicable fee (including Enterprise Membership fee);
4. if you breach any of the provisions under this User Agreement or if you fail to perform any obligation required of you, and such failure is not cured within fourteen (14) days from the date of such notice of breach being issued by Billplz;
5. you file a petition for bankruptcy or insolvency, has an involuntary petition filed against it, commence an action providing for relief under bankruptcy laws, file for the appointment of a receiver, or is adjudicated a bankrupt;
6. if Billplz has been made aware that the account is under investigation and/or requested by law enforcement or government agency or otherwise to comply with applicable laws;
7. as otherwise specified in this User Agreement;
8. if you intentionally and/or knowingly use Billplz Services for the following activities that fall under our Appendix of Regulated and Prohibited Nature of Business.

Your Billplz account shall be terminated once your suspended Billplz Account is not remedied within three (3) Calendar days from the date of suspension of your Billplz Account.

Information on Billplz’s servers and thereby access to the Platform shall be unavailable to you if your Billplz Account is terminated, suspended, closed, or limited. Billplz shall use reasonable endeavours to try giving you notice of such termination, suspension, closure, or limitation at its sole discretion.

c. Dormant Account

Your Billplz Account shall become dormant after three hundred and sixty-five (365) Calendar Days from the date of the last Account Activity appearing in your Billplz Account. Please refer to the Billplz Fee section at (a) above for further clarification.

If you plan to reactivate your dormant Billplz Account, you may email us at team@billplz.com.

d. Effect of Termination

Upon termination of this User Agreement, you shall no longer access your Billplz Account, the Platform, and/or Billplz Services and you shall not circumvent any security mechanisms contained therein. You shall also forthwith withdraw any reference to or related forms by Billplz and/or Billplz Services from your documents and/or websites and shall forthwith cease the use of the Marks.

If you plan to use Billplz Services again, you may email us at team@billplz.com for the reactivation of your Billplz Account. A reactivation fee shall apply.

e. Other Remedies

Termination of this User Agreement shall not limit either Party from pursuing other remedies available to it, including injunctive relief, nor shall such termination relieve your obligation to pay all fees that have accrued or are otherwise owed by you under this User Agreement.

You acknowledge that for the purpose of a Billplz Account registration, you are allowed to register with only one bank account, regardless of the type of bank account, or which bank entity your bank account is registered with.

You are solely responsible for your Information as well as entry and maintenance of the same. You acknowledge that Billplz acts merely as a passive conduit for the online distribution of your bills and facilitating payment from your Consumers to your account.

You are solely responsible for your relationship with your Consumers. Billplz has no visibility on any particular purchase, sale, donation, order, or other transactions performed by your Consumers using Billplz Services. Billplz is not responsible for any losses you incur due to any fraudulent transactions arising from your use of Billplz Services. Please refer to Membership section at (g) and Termination.

Where you utilize Billplz Payment Order service, you shall ensure that there is sufficient amount in the Payment Order Limit. You shall also ensure that both the payment details and API instructions are accurate. Billplz does not accept liability for any loss arising from its execution of payment instructions due to inaccurate details provided by you.

Where you utilize Auto-renew, you shall be solely responsible for the enabling and disabling of this feature. Billplz does not accept liability for any loss or any additional FPX Transaction Fee incurred due to your selection of Auto-renew being enabled or disabled. Billplz is not obligated to refund any remaining Credit Balance that is due to be deducted if you delay for a period of time on your responsibility to untick Auto-renew.

You are solely responsible for understanding and complying with all laws, rules, and regulations of your specific jurisdiction that may apply to you in connection with your use of Billplz Services, including but not limited to, those related to export or import activity, taxes or foreign currency transactions.

You shall be obliged to inform your Authorized Users before using Billplz Services about the rights and obligations outlined in this User Agreement. You shall be liable for any violation of obligations by your Authorized Users, Consumers, or by other third parties who violate obligations within the Authorized User’s control. You are fully liable for the acts and omissions of your third-party contractors under this User Agreement.

You shall be obliged to keep the login details, passcode, PIN, and/or API integration keys required for the use of the Platform confidential, to keep it in a safe place, and to protect it against unauthorized access by third parties with appropriate precautions. Personal access data must be changed at regular intervals.

Before entering its data and Information, you shall be obliged to check the same for viruses or other harmful components and to use state-of-the-art anti-virus programs for this purpose.

The Platform, Billplz Services (Including The Apis), And Any Other Technology Or Materials Are Provided On An "As Is" And "As Available" Basis. We Make No Representation Or Warranty, Express Or Implied, That The Platform, Billplz Services, Or Any Feature Thereof Shall Always Be Reliable, Timely, Secure, Or Defect Free, Or That The Services Shall Be Uninterrupted And Available At All Or Any Particular Time Or Location. You Accept That We Do Not Represent Or Warrant That The Platform And/Or Billplz Services Shall Be Error Free At All Times. You Are Also Aware And Acknowledge That The Platform And/Or Billplz Services Rely On Third Party Technologies And Facilities Including Internet Connectivity Which Are Not Within Our Control. You Acknowledge The Characteristics And Limitations Of Digital And Wireless Networks And That Data May Be Corrupted, Delayed, Or Lost Despite Security And Other Measures Taken By Us. You Agree Not To Hold Us Liable For Any Failures As Highlighted Above.

You Expressly Agree That Your Use Of The Platform And/Or Billplz Services Is At Your Sole Risk And Discretion And You Shall Assume Total Responsibility. You Shall Rely On Your Review And Evaluation Of The Platform And/Or Billplz Services To Assess Its Suitability For Your Particular Purpose. Your Sole Remedy Against Us In The Event Of Dissatisfaction Is To Cease Using Billplz Services.

Billplz Reserves All Its Rights To Adjust And Amend The Contents Of The Platform And/Or Billplz Services (Including The Apis) From Time To Time. If Such Adjustment Or Amendment Leads To Necessary Changes In Your Software, Interfaces, Or Operating Procedures, Billplz Shall Use Reasonable Endeavours To Notify You Within A Reasonable Period And You Agree To Bear All The Costs At Your End Concerning Such Adjustment And Amendment, And In Ensuring Business As Usual.

Billplz Reserves All Its Rights To Conduct Test Payments On Your Billplz Account From Time To Time Without Prior Notification To You. You Acknowledge That The Purpose Of The Test Payments May Be To Verify/Review/Inspect The Validity Of Your Bank Account, Integration Efficiency, And The Platform Improvement Or Upgrade. You Expressly Agree That You Will Not Be Able To Request An Invoice From Billplz For Any Particular Test Payment Conducted.

Billplz has the sole discretion to refuse, impose additional conditions, withhold, reverse, refund and/or suspend any payouts or transactions that we believe (at Billplz sole discretion and determination):

1. may violate this Agreement or other agreements you may have with Billplz;
2. are unauthorized, fraudulent or illegal;
3. are deriving from Prohibited Businesses and/or Restricted Businesses under our Appendix of Regulated and Prohibited Nature of Business; and/or
4. expose Billplz and/or other parties to risks that Billplz deems not suitable.

If Billplz suspects and/or receives a complaint, report, dispute or chargeback request on any unauthorized, fraudulent or illegal transactions from consumers, financial institution, authority and/or law enforcement agency, Billplz reserves the right to withhold your collection payout until the case has been closed.

In the event that Billplz determines there is no other feasible solution to recover the unauthorized, dispute or chargeback amount due to any factors including but not limited to, the merchant being uncontactable, Billplz reserves the right to offset the unauthorized, dispute or chargeback amount from the withheld collection payout. The remaining amount will then be paid out to the verified bank account accordingly.

If Billplz suspects, have reason to believe and/or know that you are using or have used Billplz Services for unauthorized, fraudulent, or illegal purposes, you give Billplz consent to share any information related to such activity with the appropriate financial institution, authority, or law enforcement agency. The information may include but is not limited to information about you, your Billplz Account, your Consumers, and transactions made through your use of Billplz Services.

If Billplz is required by the financial institution, authority, or law enforcement agency for any ongoing investigation related to you, Billplz will fully cooperate with the relevant institution, authority or agency to ensure compliance with all legal and regulatory requirements.

In relation to the above, you agree and shall provide your utmost cooperation in assisting Billplz by providing the necessary information and/or documentation as required from time to time to assist Billplz with its determination. However, Billplz shall have no such obligation to conduct any inspection or investigation.

You shall have no right to claim for any losses or damages in relation or consequential to the above action taken by Billplz for any transaction. Further thereto, Billplz shall have the absolute discretion to terminate, suspend, close or limit your Billplz Account and/or access to Billplz Services or remove any data or content transmitted via the Platform without liability, and any license created hereunder may be limited by Billplz.

Our obligations hereunder relate strictly to the operation of the Billplz Services. Except as set out in this User Agreement, we shall not be liable for the goods, services, or any transactions which you conduct with your Consumers and/or other parties via your Billplz Account. You shall resolve all and any disputes whether as to the quality, safety, ability, legality, or any other matters directly with the relevant Consumers or other parties.

You shall be solely responsible for any fees charged by banks or other third parties, and/or the payment of any other duties or charges arising from the transaction undertaken by you with banks and third parties.

Billplz shall have no liability for any claim of infringement based on: (i) Platform which has been modified by parties other than Billplz where the infringement claim would not have occurred in the absence of such modification; (ii) your use of the Platform in conjunction with data where use with such data gave rise to the infringement claim; or (iii) your use of the Platform outside the permitted scope of this User Agreement.

We shall not be responsible if your Billplz Account is compromised due to your failure to keep your login details, passcode, PIN, and/or API integration keys secure.

You should promptly notify us in the event there are any irregularities in your Billplz Account. We are however under no obligations whatsoever to effect any transaction reversal or refund unless our investigations reveal an error in our Platform or default or omission on our part.

To the fullest extent permitted by law, we, including our directors, officers, employees, subsidiaries, affiliated and holding companies, shall not be liable to you or any third party for any loss or damages whatsoever, whether direct, indirect, consequential, punitive, exemplary or incidental arising out of or in connection with your Billplz Account or the failure of the Platform and/or Billplz Services to operate, including without limitation loss of opportunity, goodwill, revenue, profits or data, damage to property, injury to person or death, theft, fraud, machine downtime or damages caused by any deficiency, defect, error or malfunctioning of the Platform and/or Billplz Services. Your acceptance of this limitation is an essential term of your use of Billplz Services and you acknowledge that we would not have otherwise agreed to provide Billplz Services to you without your agreement to this term.

Billplz’s liability (if any) shall not in aggregate exceed the amount of a Merchant’s monthly Activation Fee which gave rise to such damages.

You agree to indemnify us, our directors, officers and employees, subsidiaries, affiliated and holding companies to the fullest extent possible, from and against all liabilities, costs, demands, or claims whatsoever on a full indemnity basis, which may be made by any third party or suffered by us due to a breach by you of this User Agreement, or arising in any way from your default, acts, omissions and/or negligence in connection with the Billplz Services.

You agree to indemnify us, our directors, officers, employees, subsidiaries, affiliated and holding companies to the fullest extent possible, from and against all liabilities, costs, demands, or claims whatsoever on a full indemnity basis, which may be made by any Financial Institution due to a breach by you of this User Agreement or arising in any way from your default, acts, omissions, and/or negligence in connection with the usage of the Payment Method provided by the Financial Institution. You shall sign electronically a letter of indemnity that shall be provided to you during your Billplz Account registration.

Your agreement also constitutes your consent to electronic signatures that shall have the same legal effect as a physical signature.

a. Billplz License Grant

Subject to all limitations and restrictions contained in this User Agreement, Billplz grants you a term subscription, non-exclusive and non-transferable right to access the Platform as hosted by Billplz. You irrevocably acknowledge that subject to the licenses granted herein, you have no ownership interest in the Platform or Billplz materials provided to you. Billplz shall own all rights, title, and interest in such Platform and Billplz materials, subject to any limitations associated with the intellectual property rights of third parties. Billplz reserves all rights not specifically granted herein.

In respect of our APIs, Billplz grants you a non-exclusive, non-transferable, and limited license to access its APIs and documentation only as necessary to develop, test, and support the integration of your application with Billplz Services. You may not sell, rent, lease, sublicense, redistribute or syndicate access to any of Billplz’s APIs. Billplz owns and shall continue to own its APIs and documentation, including all related intellectual property rights therein.

b. Merchant License Grant

You grant Billplz a non-exclusive, royalty-free license to access, use, reproduce, modify, perform, display and distribute your data or Information as is reasonable or necessary for Billplz to perform or provide the Platform for your usage.

c. Use

You shall have a limited right and license to use the Platform solely for its internal business purposes. The Platform shall perform the functions as described on Billplz Website.

You shall not allow any website that is not fully owned by you to frame, syndicate, distribute, replicate or copy any portion of your website that provides direct or indirect access to the Platform.

d. License Type

The type of license granted is as follows: each Billplz Account that a Merchant has shall be linked to only one bank account of the Merchant. Each Billplz Account has three (3) levels of Authorized Users’ permission, i.e. (a) Owner (a person being delegated with full ownership and responsibility for the Billplz Account); (b) Administrator (a person being delegated with collection responsibility in the Billplz Account) and Viewer (a person being given only viewing capabilities of the Billplz Account). A Merchant may designate different staff, officers, or employees with varying permissions set out above, rights, or limitations at any time without notice to Billplz. Billplz shall not accept liability including any loss, fraud, or misuse of Billplz Account by the Merchant or its officers, employees, or any third parties.

e. Additional Restrictions

You shall use Billplz Services strictly under this User Agreement. You shall not and shall not permit others to:

1. decompile, reverse engineer, disassemble, attempt to derive the source code, or decrypt the Platform. Decompiling, reverse engineering, and disassembling include, without limitation: (a) converting the Platform from a machine-readable form into a human-readable form; (b) disassembling or decompiling the Platform by using any means or methods to translate machine-dependent or machine-independent object code into the original human-readable source code or any approximation thereof; (c) examining the machine-readable object code that controls the Platform’s operation and creating the source code or any approximation thereof by, for example, studying the Platform’s behaviour in response to a variety of inputs; or (d) performing any other activity related to the Application that could be construed to be reverse engineering, disassembling, or decompiling. To the extent any such activity may be permitted under the written agreement, the results thereof shall be deemed Confidential Information subject to the requirements of this User Agreement. You may use Billplz’s Confidential Information solely in connection with the Platform and under the terms of this User Agreement.
2. make any modification, adaptation, improvement, translation, or derivative work from the Platform;
3. violate any applicable laws, rules, or regulations in connection with your access or use of the Platform;
4. remove, alter or obscure any proprietary notice in connection with the Platform;
5. use the application for any revenue-generating endeavour, commercial enterprise, or other purposes for which it was not designed or intended;
6. use the Platform for creating a service, product, or software which directly or indirectly competes with or substitutes Billplz Services;
7. use the Platform to send out spam or unsolicited emails; or
8. use any of our intellectual property or other proprietary information in the design, development, or distribution of any applications, accessories, or devices for use with Billplz.

f. Collaterals

You should assume that all software and collaterals in connection with Billplz Services, and all graphics, text, photographs, artwork, logos, user interfaces, sounds, music, computer code, and other materials on Billplz Website or our Platform, including but not limited to our logos, the design, “look and feel”, expression and arrangement of Billplz website and application, are owned, controlled by or licensed to us and/or protected by copyright, trademark or other intellectual property rights. Save as expressly provided herein, no licence is granted to you by implication, estoppel, or otherwise with respect to our intellectual property, and you may not use, copy, reproduce, transmit or distribute any component or part of our intellectual property without our prior written consent.

g. Marks and Publicity

Billplz’s Marks and your Marks are the sole and exclusive property of the respective owning Party, which owns all right, title and interest therein. Neither Party grants to the other any title, interest or other rights in any Marks except as provided in this section.

1. Billplz may: (a) use your name and/or logo within product literature, press release(s), social media, and other marketing materials; (b) quote your statements in one or more press releases; (c) make such other use of your name and/or logo as may be agreed between the Parties; and/or (d) include your name and/or logo within its list of merchants for general promotional purposes. You shall use such Marks in accordance with Billplz's directions as communicated in writing to you from time to time. You do not have a right of sub-license. Billplz may apply limitations to the right granted to you under this section at any time and at its sole discretion.
2. You may use Billplz’s name and/or logo on your websites and in any off-line promotional materials for the sole purpose to indicate that you make use of the Billplz Services. Billplz shall comply with your trademark use guidelines as such are communicated to Billplz in writing and Billplz shall use your Marks in a manner which is consistent with industry practice.

a. Confidentiality of Platform

All Confidential Information in the tangible form shall be marked as “Confidential” or the like or, if intangible (e.g., orally disclosed), shall be designated as being confidential at the time of disclosure and shall be confirmed as such in writing within thirty (30) days of the initial disclosure. Notwithstanding the foregoing, the Platform is deemed as Billplz’s Confidential Information with or without such marking or written confirmation.

b. Exceptions

The obligations of the Parties contained hereunder shall not apply to any material or information that: (i) is or becomes a part of the public domain through no act or omission by the receiving Party; (ii) is independently developed by the other Party without the use of the disclosing Party’s Confidential Information; (iii) is rightfully obtained from a third party without any obligation of confidentiality; (iv) is already known by the receiving Party without any obligation of confidentiality before obtaining the Confidential Information from the disclosing Party or (v) is disclosed with the disclosing Party’s express consent. In addition, neither Party shall be liable for disclosure of Confidential Information if made in response to a valid order of a court or authorized agency of government.

c. Non-Disclosure

Each Party agrees at all times to use all reasonable efforts but in any case no less than the efforts that each Party uses in the protection of its Confidential Information of like value, to protect Confidential Information belonging to the other Party. Each Party agrees to restrict access to the other Party’s Confidential Information only to those employees, sub-contractors or third parties who require access in the course of their assigned duties and responsibilities.

d. Suggestions/Improvements to Platform

Notwithstanding this section, unless otherwise expressly agreed in writing, all suggestions, solutions, improvements, corrections and other contributions provided by you regarding the Platform or other Billplz materials provided to you shall be owned by Billplz, and you hereby agree to assign any such rights to Billplz. Nothing in this User Agreement shall preclude Billplz from using in any manner or for any purpose it deems necessary, the know-how, techniques, or procedures acquired or used by Billplz in the performance of services hereunder.

e. Obligation of Confidentiality

During the Subscription Period and after the termination of this User Agreement, the receiving Party shall (i) keep the Confidential Information undisclosed; (ii) not disclose the Confidential Information to any person save and except with the prior written consent of the Disclosing Party or in accordance with item c. above; and (iii) not use the Confidential Information for any purpose other than in connection with the performance of its obligations under this User Agreement.

You agree to our Privacy Policy incorporated herein by reference and accept that it forms an essential and integral part of this User Agreement.

You consent to our use of your data under the terms of our Privacy Policy. You agree that by registering a Billplz Account with us and/or using Billplz Services, you have authorized and consented to your data being disclosed to and/or processed by such third parties as may be necessary for our providing the Billplz Services to you.

You grant us consent to confirm your data with other entities or agencies for us to verify your identity and/or to comply with any legal or regulatory requirements in connection with Billplz Services.

You accept that we may be required to revise our Privacy Policy from time to time. All revisions shall be promptly notified through Billplz Website. Your continued use of Billplz Account and/or Billplz Services shall mean that you have agreed and consented to our Privacy Policy as revised.

a. Third-Party Services and/or Platform

Billplz Services may use third-party services and/or contain third-party software that requires notices and/or additional terms and conditions. Such required third-party services and/or software notices and/or additional terms and conditions may be requested from Billplz and are made a part of and incorporated by reference into this User Agreement. By accepting this User Agreement, you are also accepting the additional terms and conditions, if any, set forth therein.

b. Third-Party Websites

Billplz Website and/or Platform may provide hyperlinks to websites not controlled by us and such hyperlinks do not imply our endorsement, agreement on, or support of the content, products, and/or services of such applications or websites. Billplz Website and/or Platform does not editorially control the content, products, and/or services on such websites and shall not be liable, in any nature whatsoever, for the access to, or the inability to access to, or the use, inability to use or content available on or through such websites.

In reference to Membership and Termination sections of the User Agreement, below are the prohibited and restricted nature of business that requires Billplz further actions:

Prohibited businesses:

1. Drugs/Illegal drugs
2. Gambling, sports betting, lotteries
3. Pornography or sex-related products or services or adult entertainment
4. Firearms, ammunition and weapons
5. Any illegal products/services
6. Cryptocurrency or NFTs
7. Payment aggregators
8. Counterfeit and pirated products
9. Unauthorized travel tour agents
10. Unregulated charities
11. Activity prohibited by the card schemes
12. Debt collection agencies
13. Down payments
14. Cyberlockers (remote digital file-sharing services)
15. Cheque cashing/Guarantee
16. Lending services

Restricted Businesses:

1. Goldbars
2. Investment and brokerage services
3. Insurance services including medical benefit packages
4. Alcoholic drinks
5. Online pharmacies
6. Telemedicine and telehealth services
7. Money services business

PLEASE READ THESE TERMS CAREFULLY. BY USING BILLPLZ PAYMENT SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS.

These terms apply to your access to, and use of all or part of this page including any website owned by Billplz or the Financial Institution where these terms are posted ("the Sites"). If you are using this page on behalf of any entity, you represent and warrant that you are authorised to accept these terms on such entity’s behalf and that such entity agrees to indemnify you and Billplz for violations of these terms. This agreement contains disclaimers and other provisions that limit our liability to you.

In the event there is any conflict or inconsistency between these terms and any other terms of use that appear on the Sites, these terms will govern. However, if you navigate away from the Sites to a third party site, you may be subject to alternative terms and conditions of use, as may be specified on such site. In such event, the terms and conditions of use applicable to that site will govern your use of that site.

For this Terms of Use, the following expressions or capitalized words when used here shall have the following meaning:

"User", "You" or "Your" means any person or entity using Billplz ("Service"), unless otherwise stated.

"Billplz", "We", "Us" or "Our" means Billplz Sdn Bhd (Registration No.: 201201039375) (1023853-P).

"Financial Institution" means any organization licensed by Bank Negara Malaysia that is engaged by the relevant Party for the fulfillment of Billplz Services.

"Merchant" means merchant(s) or seller(s) that subscribe to Billplz Service for payment collections.

"Payment Method" means any type of payment method that is available for you to complete the transaction within Billplz Services from time to time (subject to Financial Institutions).

The Service
By accessing and using this page you hereby agree and accept the terms and conditions of Billplz as contained herein. If you do not accept these terms, please immediately discontinue your access to this page. We may change the terms periodically without prior notice, so please check them from time to time as your continued use of this page signifies your acceptance of any changed term.

We are not responsible for interruptions or limitations to the Service which are caused or arise from the User’s, Merchant’s and/or the Financial Institution’s, as the case maybe, system capacity limitations, system repairs or modifications, or in response to suspected fraud, abuse, hacking or malicious viruses, or misuse of the internet network. You agree that the Service may be interrupted due to maintenance, updates or system or network failures and we disclaims all liability for damages caused by any such interruption or errors in functioning.

We are not responsible for any service outages, loss of data, inability to retrieve data, or service limitations or interruptions which are caused or arise from act or omission of the User(s), Merchant(s) and/or the Financial Institution(s). We are not liable for any incidental, punitive or consequential damages caused or arise out of such events.

While every care will be taken by us to provide the Service and ensure a high level of security, we disclaims all liability whatsoever for any loss, alteration, destruction or disclosure to any third party whomsoever, of any of your data or other data howsoever caused or arising including without limitation, delays, interceptions, non-deliveries or misuse as a result of any interruption, suspension or termination of our Service(s). Further, we cannot guarantee and does not warrant the accuracy of any data delivered to us by the Merchants who sells their products to you.

By accessing and using this Page, you expressly understand and agree that we disclaim any and all responsibility or liability for the accuracy, content, completeness, legality, reliability, or operability or availability of information or material that we receive from the Sites, Merchant(s) and Financial Institution(s).We disclaim any responsibility for the deletion, failure to store, misdelivery, or untimely delivery of any information or document derived from the system and Sites.

We make no warranty that:

• The Service and the Sites will meet your requirements;
• The Service will be uninterrupted, timely, secure or error-free; and
• The results that may be obtained from the Service will be accurate or reliable.
• We disclaim all liability for impossibility of access, poor use conditions caused by inappropriate equipment, disturbances attributable to internet service providers, saturation of the internet network or due to any other reason.
• We make no warranties or representations for the delivery of messages sent through our system to anyone.

We may collect your personal information such as email address for the purpose of sending you a written confirmation status of your payment instruction. This personal information is optional and will only be collected when you provide the details when completing the form in this page.

For explanation of Billplz’s policy related to collection, use, and process of your personal data, please read the Privacy Policy. By accessing and using this page, you hereby consent and agree to the terms specified in the Privacy Policy with respect to our processing of your personal data. If you do not consent to the said terms, kindly contact us at the contact details provided in the Privacy Policy.

You are responsible to obtain a transaction receipt from the Merchant when you use Billplz Services to make a payment for the purchase. We are under no obligation to provide you with a receipt or other written confirmation in connection with the payment transaction made with an online Merchant.

If you have an enquiry regarding a payment made with Billplz Services, or you believe there has been an error or unauthorised transaction regarding a payment transaction using Billplz Services, please contact us at team@billplz.com.

You hereby agree to release Billplz (and our officers, directors, agents, subsidiaries, joint ventures and employees) from any and against all claims, actions, losses, demands, costs, expenses and damages (actual and consequential) including legal costs on full indemnity basis of every kind and nature that you may incur or suffer arising out of or in any way connected with dispute between you and the Merchant(s) or between you and the Financial Institution(s).

Links from or to websites outside of this page are meant for connecting to the Financial Institution’s Internet Banking log-in or Payment pages to initiate payment via Billplz Services. Such linked log-in or payment pages are owned and operated by third parties and as such are not under the control of Billplz. Therefore Billplz is not responsible and makes no warranties in respect of the contents of those websites or pages, the third parties named therein or their products and services. Furthermore, the links provided in this page shall not be considered an endorsement or verification or approval of such linked websites or the contents therein. Linking to any other site is at your sole risk and Billplz will not be responsible or liable for any damages losses and actions which may arise out of or in connection with the linking of the website. It is advisable for you to read the privacy policy statements (if any) of any websites which are linked to this page.

Billplz shall in no event be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation, direct or indirect, special, incidental, consequential or punitive damages, or loss profits or savings arising in connection with your access or use or the inability to access or use this page (or any third party link to or from this page), reliance on the information contained in the page, any technical, hardware or software failure of any kind, the interruption, error, omission, delay in operation, computer viruses, or otherwise.

This exclusion clause shall take effect to the fullest extent permitted by law.

You hereby irrevocably and unconditionally agree to indemnify and keep indemnified Billplz from all actions, liabilities, claims, losses, expenses and damages, including any legal fees that may be incurred by Billplz in connection with or arising from:

• your use or misuse of this page and the service(s) provided herein,
• or your breach of these terms howsoever occasioned,
• or any intellectual property right or proprietary right infringement claim made by a third party against Billplz in connection with your unauthorised use of such intellectual property rights on this page.

It is your responsibility to determine, if any, taxes apply to the payments you make or receive, and it is your responsibility to collect or remit the correct tax to the appropriate tax authority. We are not responsible to determine, collect or remit the applicable taxes from any transaction unless stated otherwise. All fees related to our services are excluding any taxes or other deductions, unless stated otherwise. Any deduction or payment for any taxes is your sole responsibility.

These terms and conditions are governed by and are to be construed in accordance with the laws of Malaysia. By accessing this page and using Billplz Services, you hereby consent to the exclusive jurisdiction of the Malaysian courts in Kuala Lumpur, Malaysia in all disputes arising out of or relating to the use of this page.

Billplz makes no representation that the materials, information, functions and/or services provided on this page are appropriate or available for use in jurisdictions other than Malaysia.

When you buy something from a Merchant who accepts payments by utilizing Billplz Services, you are agreeable to all terms applicable to the Merchant and the dispute resolution process set by Billplz.

If you have a dispute regarding any transaction conducted with your chosen payment method(s), please email the dispute claim to Billplz and the merchant involved.

If you are unable to resolve a transaction-related issue directly with the Merchant, you may reach out to Billplz at team@billplz.com. Billplz will assist you in reaching out to the merchant on a best-effort basis. Billplz shall not be held liable for any loss or damages howsoever arising from unresolved disputes between you and the merchant(s) or the financial institution(s).