Cardholder Agreement
This cardholder agreement (“Cardholder Agreement”) contains the terms and conditions which are binding on you as the holder of a BigPay prepaid card(“Cardholder”) and BigPay Singapore Pte Ltd (“BigPay”), as issuer of the BigPay prepaid card. By downloading the BigPay App; applying for and/or retaining, using or authorizing the use of the BigPay prepaid card and/or the BigPay App, you agree to be bound by this Cardholder Agreement, the Terms of Use and our Privacy Policy. Do not download the BigPay App or apply for the BigPay prepaid card if you do not agree to be bound by any of these terms.
Other supplemental terms may also apply to the BigPay prepaid card from time to time in respect of a particular event, activity, promotion or collaboration (with third parties) organized or entered into by BigPay, and such additional supplemental terms will be disclosed to you during the relevant period. These additional supplemental terms shall be in addition to and deemed part of this Cardholder Agreement.
The BigPay prepaid card is issued by BigPay pursuant to a license by VISA Worldwide Pte Ltd and in accordance with the Payment Services Act 2019 (No.2 of 2019) of Singapore (the “PS Act”) together with its subsidiary legislation governing the issuance, provision and use of electronic money and such applicable regulations and notices issued by the Monetary Authority of Singapore (“MAS”) from time to time (“Applicable Laws”). The card is a prepaid VISA card containing stored value loaded in advance by Cardholders that can be used (subject to any restrictions stipulated or imposed by us, the MAS or pursuant to Applicable Laws) globally to make transactions for goods and services wherever a Visa card is accepted, subject to the terms and conditions of this Agreement. Such stored value is held by BigPay as holder of such stored value facility in accordance with the Applicable Laws and all stored value will be held in a designated bank account separate from BigPay’s own operational account(s).
In connection with any cross-border payments, BigPay is licensed by the MAS as a Major Payment Institution under the PS Act to carry out the business of cross-border money transfer service from Singapore. Please note that such licensing does not guarantee the performance of the licensee and customers take the risk of any loss suffered from use of the cross-border money transfer service.
Consumer Advisory
BigPay Singapore Pte Ltd, is licensed under the Payment Services Act 2019 (No.2 of 2019) (“PS Act”) as a major payment institution to carry on the business of cross-border money transfer service. We have also applied to the Monetary Authority of Singapore (“MAS”) to vary the activities we may conduct as a major payment institution to additionally include: (i) account issuance service, (ii) domestic money transfer service and (iii) e-money issuance service. Users are advised to read the terms and conditions set out in this Cardholder Agreement carefully.
Definitions
“Applicable Laws” means the applicable laws governing the issuance, provision and/or use of stored value facility in Singapore, including but not limited to the Payments Services Act 2019 (No. 2 of 2019) of Singapore;
“ATM withdrawals”, “ATM Transactions” or “Cash withdrawals” means transactions referring to the withdrawal of cash from the BigPay Card, whether via automated teller machines or over-the-counter channels;
“Auto Top-up” means the automated feature and function in the App which allows you to enable your Payment Source to be automatically charged in order to top-up your Card for a preset reload amount at designated periods or whenever your Available Balance falls below a minimum amount as determined by us or selected by you;
“Available Balance” means the actual amount of funds available at any time for usage on your Card Account;
“App”, “BigPay App” or “Mobile App” means BigPay’s mobile application which is an application software running on a mobile device where you can, among others, register and apply for the Card, activate, access set and edit your Account including your basic account preferences, your personal particulars, your notification preferences, optional subscription services, view Available Balance and Transactions details, block your Card, perform transfer of funds from your Card to another Card and interact with BigPay’s customers service;
“BigPay Card” means the prepaid payment card in plastic form with contactless functionality (being Visa payWave enabled) bearing the name Visa and/or service mark of Visa issued by BigPay pursuant to this Agreement (and any substitution, replacement and/or renewal thereof) which allows Cardholders to conduct Transactions;
“Card” means the prepaid payment card in physical form with contactless functionality bearing the name and/or service mark of VISA issued by BigPay pursuant to this Cardholder Agreement (and any substitution, replacement and/or renewal thereof);
“Card” means either the BigPay Card or the Virtual Card as the case may be;
“Card Account” or “Account” means your account designated, maintained and operated by BigPay in relation to your Card;
“Card Limit” or “Purse Limit” means the maximum amount of funds that can be topped up to your Card at any time and retained in your Card Account for usage as approved by us for you;
“Card Scheme” means Visa;
“Card Transactions” means all transactions effected through the use of the BigPay Card, including but not limited to, E-commerce Transactions, in person point of sale (POS) Transactions, ATM withdrawal and others;
“Cardholder” means an individual who has personally applied for and has been granted and issued a Card by BigPay;
“Contactless Reader” means the point-of-sale reader device where the BigPay Card may be used to execute contactless Transactions, by tapping or waving the BigPay Card on or over such point-of-sale reader device;
“Contactless Payments” refers to transactions for the purchase of goods and/or services that are successfully carried out and charged by the Cardholder to the Cardholder’s Card Account by tapping or waving the BigPay Card on the applicable Contactless Reader and where the said transactions have been successfully captured or posted on BigPay’s systems;
“E-commerce Transactions” means all transactions effected through the use of the Virtual Card, buying and selling of goods and services, or the transmitting of funds or data, over an electronic network;
“e-money” has the meaning given to such term under the Payments Services Act 2019 (No. 2 of 2019) of Singapore;
“Initial Top-up amount” means the initial top-up that you are required to load onto your Card Account for the first time before you can start using and transacting with the Card as specified by BigPay;
“ID documents” means your personal identification documents that we may request from you from time to time,
“Issuer”, “BigPay”, “we”, “us” and “our” means BigPay Singapore Pte Ltd, the issuer of the Card or anyone we assign our rights to;
“Merchant” means a retailer, or any other person, company or legal entity that accepts payments via Visa including cards which displays the VISA acceptance symbol;
“Payment Source” is where you choose to add, save or link payment or funding sources such as credit cards, debit cards or such other online banking methods or funding sources to BigPay to top-up your Card via the Auto Top-up feature in the App;
“SGD” means Singapore dollars;
“Terms and Conditions” means the terms and conditions as set out in this Cardholder Agreement;
“Top-Up Channels” means any reload channels (as appointed or authorized by BigPay) that you can use to make the initial top-up and/or subsequent top-ups to the Card;
“Transactions” means all transactions (including point of sale, cash withdrawal or e-commerce) made with or on the BigPay Card or the Virtual Card;
“You”, “your”, “yours” or “customer” means and refers to you, the Cardholder;
“VISA” means VISA Worldwide Pte Ltd;
“Virtual Card” means the virtual prepaid payment method (non-plastic) with a valid Primary Account Number (PAN) issued by BigPay under the Card Scheme’s payment network which allows Cardholders to conduct E-commerce Transactions only; and
“www.bigpayme.com”, “Website” or the “Site” means the BigPay website.
Introduction and Declaration
By downloading the BigPay App, applying for the Card and/or by retaining, using or authorizing the use of the Card and/or the BigPay App, you hereby warrant, represent and declare that:
(a) you are at least eighteen (18) years of age; you are a Singapore citizen or a Singapore permanent resident or a foreigner legitimately residing or gainfully employed pursuant to a valid working visa and with a valid mailing address in Singapore; you are not from a sanctioned country; you have not been blacklisted by any financial institutions, licensed banks or e-money issuers in Singapore or abroad; you are not included in our internal lists and the relevant money laundering and terrorism financing information sources, as well as global lists or databases provided by local or foreign authorities (including but not limited to the MAS), United Nations Security Council Resolutions (UNSCR), Office of Foreign Assets Control (OFAC); you are not listed as a Specially Designated National (SDN); you are not included in lists or databases as provided or recommended by the Financial Action Task Force (FATF) and/or such other lists as may be issued from time to time by the relevant government agencies; all information provided by you is true, correct and complete;
(b) you acknowledge and agree that at any time should any of the representations, warranties and/or declarations above cease to be untrue or we discover to be untrue or that you have misrepresented the same, we shall be fully entitled at our sole and absolute discretion to suspend, block or terminate any Transaction(s) undertaken by you (if already undertaken) whereby there will be no refunds of the Transaction amounts or any applicable fees being refunded to you, and to take further and appropriate action which may include suspending, blocking and/or terminating your Card, without any liability to you howsoever; and
(c) you further acknowledge and agree that in order for us to provide you with the services, benefits, offers and privileges related to the Card, to manage your Card and Card Account, to facilitate the use of your Card and the processing of any transaction effected or to be effected through the use of your Card, the sharing, transfer, retrieval, updating and processing of your personal information as well as the creation of member profiles and user accounts and updating of personal details may occur between BigPay, our parent, our related companies, subsidiaries, associates and/or affiliates, our licensees, assignees, proposed assignees, agents, vendors, service providers (including partner networks), merchants, strategic partners, commercial partners, third party contractors, any government and regulatory authorities (including the MAS and such other authorities having jurisdiction over us), credit reporting agencies, card schemes or payment network operators, and any other parties engaged by us to enable or assist us in the provision of services to you or to exercise or enforce our rights hereunder and/or any other party whomsoever as we may, to the extent at our sole and absolute discretion deem fit and necessary, within and beyond Singapore, as stated in our Privacy Policy and you have consented to the same; and that you have read, understood and accepted the terms and conditions contained in this Cardholder Agreement and in connection with the use of the Card, and that they are legally binding on you.
Usage Restrictions
The issuance of the Card is subject to certain conditions and usage restrictions. Notwithstanding all other conditions and restrictions stated in this Cardholder Agreement, the following terms apply:
You may only have one active Card Account from which you can conduct Transactions.
We may at any material time decide not to process your request or Transaction especially if we suspect you are or may be involved in money laundering, terrorism financing, fraudulent or illegal activities.
We will not process your request or Transaction if we find that you are from a blacklisted country, if you have been blacklisted by any financial institutions, licensed banks or e-money issuers in Singapore or abroad, if you are included under our internal lists and/or the relevant money laundering and terrorism financing information sources, as well as global lists or databases and information provided by local or foreign authorities (including but not limited to the MAS), the United Nations Security Council Resolutions (UNSCR), Office of Foreign Assets Control (OFAC), Specially Designated Nationals (SDN), if you are included under any lists or databases as provided or recommended by the Financial Action Task Force (FATF) and/or such other lists as may be issued from time to time by the relevant government agencies.
The acceptance, processing and/or settlement of any Transaction conducted by you with the Card is subject to the acceptance of the same by VISA or the Merchant concerned. You agree that you will not hold us liable for any losses or damages resulting from VISA’s or the Merchant’s decision not to accept, process, execute or settle any Transaction conducted by you.
You shall not provide any false, inaccurate or misleading information or refuse to cooperate in any investigation or refuse to provide confirmation of your identity or any information requested by us.
You shall only use the Card to effect Transactions for personal reasons. You shall not utilize the Card for commercial or illegal purposes. If we reasonably suspect or discover that you are using the Card to conduct transactions, for or on behalf of a business or other non-human entity or for illegal purposes, we may, in our sole and absolute discretion, cancel your Transaction and/or block, suspend and/or terminate your Card without any liability to you howsoever.
You shall not use the Card for any improper, illegal, unlawful or fraudulent activities or purpose, such as money laundering, terrorism financing, unlawful activities, illegal on-line gambling, illegal purchase of controlled substances or prescription medication, purchase of firearms or explosives, fraud, prostitution or child-trafficking or financial support of terrorists or terror-supporting organizations.
You acknowledge that BigPay is not liable for your use of the Card for any commercial purposes, including without limitation any risks associated with the purchase of goods or payment for services of any kind such as losses you may suffer for undelivered or defective goods and services you pay for using the Card.
You may not use any automatic device, or manual process to monitor or copy the Mobile App.
You undertake that you are the sole and rightful owner of any funds you apply towards a reload or top-up of funds to the Card and that the top-up sources for loading of your Card shall be from your personal source of funds. You may not use any funding source for which you do not have authority to use for top-up or reload of the Card.
We may from time to time, impose certain restrictions or limits on, including but not limited to, the use of the Card (including the currencies transacted thereunder) in any manner whether within Singapore or beyond, whether for online or point-of-sale transactions at Merchants (within Singapore or beyond), whether for cash withdrawal transactions (within Singapore or beyond), whether for card to card transfer (P2P) (within Singapore or beyond) and/or for any other transactions conducted with the Card.
We are not obliged to give you reasons if we decide not to process any of your requests or Transactions.
You only use the Card in accordance with the terms and conditions of this Agreement.
You acknowledge and agree that should you violate any of the conditions or restrictions above-mentioned, we shall be fully entitled at our sole and absolute discretion to terminate any Transaction(s) undertaken by you (if already undertaken) whereby there will be no refunds of the Transaction amounts or any applicable fees being refunded to you, and to take further and appropriate action which may include suspending, blocking and/or terminating your Card and Card Account, without any liability to you.
Applying for the Card and Customer Due Diligence
Eligibility: Aged eighteen (18) years and above, Singapore citizens or Singaporean permanent residents or foreigners residing or gainfully employed pursuant to a valid working visa and with a valid mailing address in Singapore.
You may apply for the Card via the Mobile App When applying for the Card, you must provide all the information as required by us during the registration process and accept the Terms and Conditions of the Card (which includes any applicable fees) in order for your application to be successfully processed. You will also need to reload the Initial Top up amount onto the Card (i.e. the minimum top-up). The Initial Top-up can be done on the Mobile App. We may however introduce other top-up channels i.e. authorized online or offline sales channels or sales booths from time to time.
The Card comes with a Card Limit approved by us for you and is subject to the requisite Customer Due Diligence (“CDD”) and Know-Your-Customer (“KYC”) verification and approval by us.
CDD is a mandatory requirement under the Applicable Laws for any party that applies for the Card. Accordingly, in addition to the information BigPay collects from you at the point of Account application and registration for your Card, usage of the Card may require you to provide BigPay with additional information and/or documentation before we can approve your application or before you can conduct any Transactions.
Such additional information may include information or documentation that will enable us to verify or re-verify your identity, including but not limited to your payment or funding sources, visa or Employment Pass (if you are a foreigner) and so on. We may verify or re-verify your identity via electronic know-your-customer (e-KYC) processes. Where required, we may also obtain information about you from other sources whether directly or through public and private third parties, in order to verify your identity, your credit history (where required) and to ascertain the accuracy of information provided by you. We are also required under the Applicable Laws to screen all individuals who use or intend to use the Card against our own internal lists and the relevant money laundering and terrorism financing information sources, as well as global lists or databases provided by local or foreign authorities for the purposes of determining if there are any money laundering or terrorism financing risks in relation to the such individuals.
We further reserve the right to reject, terminate and/or decline your Card application at our sole and absolute discretion and/or if our records show that you have had a bad card account with us in the past in relation to any type of prepaid card issued by BigPay or if any of your previous prepaid card(s) or prepaid card account(s) issued by BigPay has been monitored by us due to unusual, irregular, suspicious, fraudulent and/or unauthorized activities or suspected misuse, or has been blocked, cancelled or terminated by us in relation to the same. Whilst the application for the Card is open to all customers who meet the eligibility criteria, we reserve the right to reject ANY application for the Card and/or to decline to issue a Card at our sole and absolute discretion without assigning any reasons whatsoever, and our decision shall be final and conclusive.
It is a condition of your application for the Card that all of the personal information provided by you during the application for the Card is true, correct and complete at all times, and BigPay shall not be held liable nor responsible for any error or omission made by you, which may result in any loss suffered by you, card cancellation or any other financial discrepancies or losses on your Card Account. In the event we find that you have created a forged application or used forged data or documents in your application for the Card, we shall block, cancel or terminate your application or Card immediately without any prior notice to you, and we shall be entitled to retain any balances of funds in your Card account (including the joining fee, if applicable) and we shall not be held liable for any loss or damage suffered by you for the same. We shall further be entitled to take any action against you as may be deemed necessary or as may be required under governing laws or by the relevant governing authorities, including reporting you to the relevant governing authorities.
Fee and Charges
By entering into this Cardholder Agreement, you agree and undertake to pay all fees arising out of and in connection with the use of your Card pursuant to this Cardholder Agreement, which may include amongst others, joining fee (if applicable), account service fee, currency conversion fee, cross border transaction fee, ATM withdrawal fee for local and overseas, replacement card fee, sales draft retrieval fee and such other fees and charges related to the Card as we (or our partners) may prescribe from time to time. We reserve the right to revise such fees or to charge additional fees (if applicable) for new services (which are optional) which may be offered by us from time to time. All fees paid to or in connection with the Card to us are non-refundable under any circumstances. In addition, if we are unable to charge any applicable fees on the Card (including, but not limited to, account service fees for dormant or inactive accounts for a particular month) due to the fact that there are no balance of funds on the Card Account for that particular month, then we reserve the right and shall be entitled to retrospectively charge those said applicable fees upon or once the Cardholder has topped the Card up and Account has sufficient balance of funds.
For full details of the fees and charges applicable for the Card, please refer to the Fee & Charges schedule in the Mobile App and/or Website.
Card Limit
The Card Limit is the maximum amount of money that can be in your Card Account at any point of time. You cannot load or top up funds in excess of the Card Limit that has been stipulated for the Card and approved by us for you.
Irrespective of whether you are issued the Virtual Card and the BigPay Card, you will have the same Card Limit and one Card Account only. Both the Virtual Card and BigPay Card are tied to one and the same Card Account.
Applications without the Initial Top-up amount (or ID Documents) will not be processed or approved until the Initial Top-up amount is made and the ID Documents have been received and/or verified by BigPay. BigPay reserves the right to approve or decline any applications for whatever reason(s) at our sole and absolute discretion, and such decisions shall be final and conclusive. Any purchases of goods and/or services with the Card may be limited by applicable caps or limits set by BigPay.
Issuance of Virtual Card
Once your application is approved, you will be issued with a Virtual Card. You may view the details of the Virtual Card on the App and you may use the Virtual Card immediately (once you have topped -up the Virtual Card with sufficient funds) for E-commerce Transactions. You cannot perform in-person point of sale (POS) transactions and cash withdrawals with the Virtual Card.
Issuance of BigPay Card
Once your application is approved, you will be issued with a Virtual Card. If you wish to obtain the BigPay Card for additional transactions i.e. to conduct in-person point of sale (POS) transactions and cash withdrawals, you must apply for one and pay the requisite fee. You will not automatically receive a BigPay Card unless you have applied for one and paid the fee for the plastic card.
If you have applied for a BigPay Card and paid the requisite fee, your BigPay Card will be delivered to you within fourteen (14) working days after we have received the Initial Top-up amount (and supporting ID documents as requested by us). Please ensure you have stated the current and correct mailing address in your application details to avoid your BigPay Card being sent to the wrong address. We shall not be responsible in the event of any error in your application or if you have keyed in wrong mailing address details or if you have not received your BigPay Card due to the fact that the mailing address details given by you are wrong, inaccurate, not up to-date or not complete. We shall further not be responsible if we have sent your BigPay Card to the mailing address as stated in your application details and in our records but you have not received your BigPay Card.
Solicitation, issuance and /or delivery of the BigPay Cards are limited to Singapore addresses. You must have a mailing address in Singapore to enable us to process and approve your application. Mailing addresses outside Singapore and addresses bearing P.O. Box numbers will be rejected and we will not process or approve such applications.
Once you have received or collected your BigPay Card, you must sign the signature panel on the back of the BigPay Card. But whether you sign the BigPay Card or not, you are fully responsible for complying with all the terms and conditions of this Cardholder Agreement and you shall be bound by them in connection with your use of the BigPay Card. We shall further not be responsible nor liable to you for any discrepancy between the signature appearing on the BigPay Card and the corresponding sales slip or if for any reason(s) any transaction conducted with the BigPay Card is not accepted. You agree and understand that any discrepancy between the signature appearing on the BigPay Card and the corresponding sales slip shall not by itself be a ground for disputing the validity of the sales transaction.
Activating the BigPay Card
You must activate your BigPay Card first before you can use it to make any Card Transactions. You can activate your BigPay Card in the Mobile App.
Initial Top-up and top-up sources
The loading of funds to the Card Account can only be in SGD. You agree that BigPay shall not be liable to you in the event of delay in crediting of such funds into the Card Account where such delay is not attributable to the fault of BigPay. Top-up sources for loading of your Card at all material times shall be from your personal source of funds.
Top-up op to the Card Account
Additional value may be topped up to your Card subject to the limitations or maximum Card Limit as may be applicable. We may, from time to time, at our sole discretion or as may be deemed necessary, impose limits on the amount that can be topped-up on the Card Account or a minimum top-up amount for each top-up transaction or as may be required by law. You cannot top-up your Card in excess of the maximum Card Limit which has been stipulated and approved for your Card. We shall not be responsible or held liable for any disputes (or loss) in relation to any excess funds if you attempt, have attempted or actually topped-up in excess of the maximum Card Limit, and we reserve the right to take any action that we may deem necessary, including blocking, suspending and/or terminating and cancelling your Card if we find you have persistently attempted to do so, despite the Card Limits stipulated for the Card.
In the event of any excess funds reloaded by you, we will either refund the excess amount by cheque or by depositing it into your designated personal bank account (provided you have given us your banking account details) or via other channels as determined by us or credit the same back into your Card Account if your balance has dropped sufficiently at our sole and absolute discretion and in accordance with our internal company policies. Note that even if you have topped up your Card account in excess of the Card Limit, you can still only transact and use the Card up to the maximum of the Card Limit.
Notwithstanding and irrespective of the above, we reiterate and remind you that you can only reload and top up your Card subject to the limitations or maximum Card Limit(s) that have been stipulated, approved and/or imposed by us, and we reserve the right to take any action as we deem necessary or even terminate and cancel your Card in relation to non-adherence of the same. In addition, we reserve the right to debit your Card for any funds which have been topped up to your Card in excess or erroneously.
All reloads and/or top ups of funds shall not be considered to have been made until all relevant funds have been received and processed as good value by us. Reloading of additional value to the Card may be delayed until we have actually received and processed the actual payment. During such delay, the amount transferred will not be available for you to use. We reserve the right to accept or reject any request to add additional value to the Card or any reload and top-up made onto the Card. Load service fees may be applicable and chargeable by our authorized reload agents.
For all our available Top-Up Channels, please refer to the Mobile App for details. Our Top-Up Channels are not exhaustive and may change or be replaced from time to time. For Top-Up Channels operated by our authorized agents or partners, please note that a fee may be levied by the respective agents or partners. You may check with the respective agents and partners for the applicable top-up fees charged by them or alternatively you may refer to our Mobile App or Website.
You agree that we shall not be liable to you in the event of delay in any loading of funds into your Card where such delay is not attributable to our fault.
We reserve the right to suspend, revoke and/or block any reloads or top ups to your Card which we discover and/or which we have been informed by any third parties (including the police, the MAS, VISA and/or other banking institutions or other relevant parties) to be irregular, suspicious, illegal or unauthorized, and we shall be entitled to take any action against you as may be deemed necessary for such transactions, including blocking suspending and/or terminating your Card and Card account.
Payment Source and Auto Top-up
In the event you intend or have subscribed to the Auto Top-up function which we provide or may provide, you hereby confirm, consent and irrevocably authorize us: (i) to add, save or link your Payment Source in order to top-up your Card via the Auto-Top-up feature in the App; (ii) to retain, record and use the relevant data of the Payment Source for the Auto Top-up function; and (iii) to automatically charge and debit your Payment Source for the preset reload amount whenever the Auto Top-up function is utilized and/or activated.
You further agree and undertake to comply with the terms and conditions imposed by the issuer of the Payment Source in respect thereto.
Validity
The Card is valid for until the expiry date as stated on the face of the Card. After the expiry date, you will be issued with a new Card unless otherwise instructed by you or as otherwise determined and/or declined by us. Without prejudice to the foregoing, the renewal of a new Card by us for you upon the expiry period shall be at our sole and absolute discretion. We may decline any renewals or requests for replacement Cards at our sole and absolute discretion, and our decision shall be final and conclusive.
Cardholder
The Cardholder is the individual who personally applies for and has been issued the Card.
Use of the Card
You may use the Virtual Card immediately (once you have topped -up the Virtual Card with sufficient funds) for E-commerce Transactions.
All BigPay Cards are issued with contactless functionality and are Visa payWave enabled. Once the BigPay Card is activated and you have topped-up the card with sufficient funds, you may start to use the BigPay Card to purchase goods and services, subject to any restrictions stipulated or imposed by us, the MAS or pursuant to Applicable Laws, worldwide wherever a VISA card is accepted and also to access cash at ATMs or financial institutions displaying the Visa name and/or logo. Each time you use the Virtual Card or BigPay Card to purchase goods or services, you authorize us to deduct your funds from your Card Account.
The Card is non-transferable and shall only be used exclusively by you as the Cardholder. Your Card shall not be pledged by you as security for any purpose whatsoever. You shall not give yourBigPay Card or your Card Account number to other third parties or allow them to use it for charges, identification or any other purpose. If you do so, you will be liable for all charges made with the Card as a result thereof. You also cannot use your Card for business and/or commercial purposes which are deemed to be illegal or unacceptable by us and we shall be entitled to block the authorization for the use of the Card for such activities.
Your Card usage is limited to a maximum of the Card Limit (depending on which Card Limit we have approved for you). If you opt for any optional services provided by us (if applicable), then you may have to maintain a minimum amount as specified in connection with the use of those services. We may further set certain limits and thresholds for specific use categories (within the Card Limit) which you cannot exceed whether daily, monthly or so on. We may further refuse any Transaction or limit the amount to be transacted either on a per transaction or aggregated basis at any time and for any reason.
Notwithstanding anything provided under this Agreement, the use of your Card (including the currencies transacted thereunder) may be subject to restrictions stipulated or imposed by us, the MAS or pursuant to Applicable Laws, in terms of, including but not limited to, the use of the same in any manner whether within Singapore or beyond, whether for online or point-of-sale transactions at Merchants (within Singapore or beyond), whether for cash withdrawal transactions (within Singapore or beyond), whether for card to card transfer (P2P) (within Singapore or beyond) and/or for any other transactions conducted with the Card.
BigPay provides virtual receipts for all Transactions, which can be viewed or are accessible through the Mobile App. Available Balance(s) in your Account are only approximate real time balances, not the settled balances in your Account, and may not include pending debits and credits. Regardless, BigPay will provide you information about pending debits and credits when they become available.
You should frequently review your Card Account to check and verify your Available Balance before using your Card. You must always ensure that there are sufficient funds in your Card Account to pay for each transaction and to cover the total amount transacted on your Card Account, including purchases, recurring transactions, cash withdrawals (subject to any restrictions stipulated or imposed by us, the MAS or pursuant to Applicable Laws), fees and other charges. If the total amount in your Card account is insufficient, your transaction will be declined and in the case of recurring declined transactions, you would have to make your own arrangements for payment with the recurring merchant. If you have not paid any of the fees (as may be applicable), your Card cannot be used and we will be entitled to block, suspend and/or to terminate your Card account.
Without prejudice to the above, we shall not be responsible for the refusal of any Merchant or member institution of VISA to honor or accept your Card.
All transactions conducted with your Card will only be reflected and posted to your Card Account after they have been submitted by the respective Merchant/acquiring bank and processed by the VISA payment network to BigPay.
Take note, as part of our CDD requirements and security monitoring process, BigPay reserves the right to review your Card Account activities and any Transaction at any point in time in order to protect you and your funds and to ensure the validity, safety and security of your Account against money laundering, terrorism financing, fraudulent or illegal activities. As a provider of financial services, BigPay also plays an important role in the fight against financial crime, money laundering and terrorist financing activities and as a result, the Applicable Laws require us to obtain, verify and record personal and private information about our customers and to conduct periodic account reviews. These processes often include steps that involve additional verification and validation of identity, payment or funding sources and instructions, and of other Transaction information which may require us to contact you further for the relevant information, which may result in delay in the processing of a Transaction until such verification and validation is satisfactorily completed. In the event that your Transaction is subject to any process for additional verification and/or validation (including AML compliance checks), your Transaction may be put on hold while we collect and confirm the source of the funds and complete the verification and validation process.
We reserve the right to refuse to process Transactions for certain individuals, including without limitation, individuals from sanctioned or high risk countries, individuals who have been blacklisted by any financial institutions, licensed banks or e-money issuers in Singapore or abroad, individuals who are included in our internal lists and the relevant money laundering and terrorism financing information sources, as well as global lists or databases provided by local or foreign authorities, and we are not obliged to give reasons for so refusing.
If the Card is used in a manner other than as permitted by this Cardholder Agreement, to the extent permitted by law, we may, at our option and without waiving any of our rights, recognize the transactions and debit or credit the Card accordingly. Any online betting and/or gambling activities are prohibited and you agree that we do not owe you any duty and/ or obligation whatsoever to monitor and block the use of the Card for any unlawful activities. If we do find that your Card has been used for unlawful or fraudulent activity, we shall be entitled to suspend, block and/or terminate the use of the Card immediately without prior notice to you. Notwithstanding the above, BigPay reserves the right to block, suspend or decline any Transaction at its sole and absolute discretion.
We reserve the right to suspend, revoke and/or block any reloads or top ups to your Card which we discover and/or which we have been informed by any third parties (including the police, Visa and/or other banking institutions or other relevant parties) to be irregular, suspicious, illegal or unauthorized, and we shall be entitled to take any action against you as may be deemed necessary for such Transactions, including blocking suspending and/or terminating your Card and Card account.
We shall not be liable or responsible to rectify, adjust, fix or recover any amounts from your Card for any Transaction(s) made by you (whether due to your error, negligence or otherwise) if the said Transaction has been properly authenticated. We shall further not be held liable or responsible for the debiting of any funds from your Card Account due to an error caused by you or as a result of your negligence (and we are not to be held liable for the recovery of such funds) if the said Transaction(s) has been properly authenticated.
Mobile App
You will be solely responsible for your own personal Card Account settings, and BigPay shall not be held liable for any errors or losses incurred or suffered by you as a result of any personal settings or information set or keyed in by you in the Mobile App.
Card Services and/or Products
We may from time to time introduce new services, offers or programs in relation to the use of your Card including but not limited to services, offers or programs that offer promotional items or other special terms as we may apply from time to time to a category of transactions. We will tell you of the terms and conditions of such services, offers or programs at the time of the introduction of the services, offers or programs (if any). The terms and conditions of such services, offers and programs are binding on you as if the same are contained here.
More than one service(s), offer or program may apply to your Card at the same time. We are entitled to introduce and terminate any such service, offer or programs from time to time at our absolute discretion.
SMS Alert Service
We may provide and/or implement a short messaging service (“SMS”) alert service (“Alert”) for your Card (subject to your Card being in good standing and/or not suspended or blocked by us). If we implement this service, alert notifications will be sent via SMS at our discretion based on pre-determined criteria(s) as follows: (a) first card usage alerts; (b) transactions alerts, both local and overseas, above a certain value; and (c) suspicious or irregular transaction alerts. The Alert service is subject to the terms of your agreement with your mobile phone service provider. You shall ensure that your mobile phone and number are able to receive text messaging in Singapore and abroad, and you shall be personally responsible for any fee imposed by your respective mobile service provider.
Each Alert will not be encrypted and may include details pertaining to your Transaction(s). You are responsible for the security of your mobile phone. We shall not be liable in any way to you (or any third party) should any Alert be viewed or accessed by persons other than you, the Cardholder. We shall not be liable for any or all losses, damage, expenses, fees, costs (including legal costs on a full indemnity basis) that may arise, directly or indirectly, in whole or in part, from (a) the non-delivery, the delayed delivery, or the misdirected delivery of an Alert; (b) the non-receipt of an Alert; (c) inaccurate or incomplete content in an Alert; (d) reliance on or use of the information provided in an Alert for any purpose; or (e) any third party, whether authorized or not, obtaining your Card account information contained in the Alert by accessing the your mobile phone.
An Alert does not constitute a record of the Card Account or Card transaction to which it pertains. We do not assume any additional responsibility or obligation in respect of the use of, or any transaction or eventuality involving, the Card Account. The Alert service does not free you from the responsibility of safeguarding the physical security and authorized use of your Card or Card Account, and it does not entail that BigPay will automatically be liable for any unauthorized Transaction(s) that may be charged to the Card Account. The SMS Alert service may be subject to a fee. Please refer to our Fee and Charges section on the Mobile App or our Website for any charges that may be imposed for the SMS Alert service. The SMS Alert service may be subject to additional terms and conditions, please refer to our Website under the SMS Alert service feature for further details. Any additional terms and conditions applicable to the SMS Alert service shall be binding on you and shall apply in addition and not in substitution to the terms and conditions contained herein.
Disputed Transactions – Goods/Services
We are not responsible and shall not be liable for the goods and services (including their delivery, performance, merchantability or fitness for purpose) purchased with your Card, whether at the Merchant’s premises, written instructions sent by mail, email, facsimile, telephone order, online via the internet or any other means by which you have authorized the use of your Card for the purchase of goods and services. We are further not responsible for the delivery, quality, safety, legality, fitness for purpose or any other aspect of the goods or services (including any defects or deficiency in any goods or services) purchased by you from Merchants with your Card. All disputes involving the same should be addressed directly to the Merchants from whom the relevant goods and services were purchased. You agree to settle all disputes directly with the Merchant who honored your Card or the member institution of VISA concerned and you shall pay us all amounts required under this Cardholder Agreement despite such disputes. You shall not be entitled to set-off or counterclaim against us or to withhold payment to us on account of such complaint or under any circumstances whatsoever in respect of your claim against the Merchant or the member institution of VISA. You shall not initiate any claim or take legal action against us for any claim you have against the Merchant or for any issues with regards the delivery, quality, safety, legality, fitness for purpose or any other aspect of the goods or services purchased by you from the Merchant. You should ensure that the transaction amount is correct before you before you sign the transaction, voucher or invoice slip or enter your personal identification number (“PIN”) or other identifying number or password at an electronic banking facility. By signing a transaction, voucher or invoice slip or entering your PIN or other identifying number or password at an electronic banking facility, you indicate your acceptance that the transaction amount is correct. In addition, BigPay reserves the right to block, suspend or decline any Transaction at its sole and absolute discretion.
E-commerce Transactions
If you use your Card to purchase goods and/or services through the online internet sites or portals, you shall be solely responsible for the security of such use at all times. You agree that the entry of your Card information on the internet shall be sufficient proof of the authenticity of such instructions. We are under no obligation to verify the identity or the authority of the person entering your Card information and we shall not be liable for acting on such use of your Card regardless of whether the person is authorized or unauthorized and regardless of the circumstances prevailing at the time of the transaction. However, we reserve the right not to process any such transaction over the internet if we have any reason to doubt its authenticity or if in our opinion it is suspicious in nature, unlawful or otherwise improper to do so or for any other reason. Notwithstanding the above, BigPay reserves the right to block, suspend or decline any Transaction at its sole and absolute discretion. For all transactions processed via the two factor authentication mechanism, we shall not entertain any disputes from you with regards to the fact that you did not authorize or participate in the transaction nor will you be able to raise a chargeback claim for such transactions which have been processed under the two factor authentication mechanism. In such cases of two factor authentication transactions, we will only allow chargeback due to no authorization, processing errors, service not rendered and other card acceptance violations as stipulated in the VISA card chargeback rules.
ATM Transactions and Personal Identification Number (“PIN”)
Subject to any restrictions stipulated or imposed by us, the MAS or pursuant to Applicable Laws, for the purposes of effecting cash withdrawal using the BigPay Card at any ATM under the VISA payment network, you must use your PIN. You may set and change the PIN through the Mobile App or any other mode as determined by us from time to time.
The PIN is strictly confidential and you should never disclose your PIN to any person under any circumstances or by any means whatsoever. You should not keep any written record of your PIN at any place or in any manner which may enable a third party to have access to it and/or make use of your BigPay Card. Failure to comply with this requirement will expose you to the consequences of theft and/ or unauthorized use of your BigPay Card, for which we will not be in any way be responsible or liable to you. You shall hold us free from all claims and liabilities from all parties whomsoever arising from the use of your PIN whether authorized or otherwise.
Pay without a PIN / Contactless Payments
Contactless Payment allows you to pay amounts via the BigPay Card up to SGD300 without entering your PIN on applicable Contactless Readers. You can pay at applicable Contactless Readers which are contactless enabled.
The first time you make a Contactless Payment, you may be asked to enter your PIN. After that, you can pay amounts up to SGD300 via the BigPay Card’s contactless functionality. When you make a Contactless Payment, you must check the amount and hold your BigPay Card against the Contactless Reader. The Contactless Reader will show whether the payment has been successful.
We may also require other activation and/or authentication procedures as we may at our sole and absolute discretion prescribe from time to time. When you tap, wave or touch your BigPay Card against the Contactless Reader, you are giving authorization for the transaction to be charged to your Card Account and for funds to be deducted from your BigPay Card in respect of the said transaction.
Cardholder’s may use the BigPay Card to effect any number of Contactless Payments on Contactless Readers provided that the value of such Contactless Payment(s) does not exceed the daily limit of SGD300. For the avoidance of doubt, the Cardholder cannot use the BigPay Card for any Contactless Payment which exceeds the daily limit of SGD300. The Cardholder must enter his PIN for any transaction in excess of SGD300.
After a number of payments, you may be asked to enter your PIN again for security reasons. If Contactless Payments are made after your BigPay Card has been lost or stolen, it will be treated in the same manner as stated in the ‘Disclosure of loss of PIN, or Loss, Stolen, or Unauthorized Use of Card’ section below
You cannot use the contactless function of the BigPay Card or make Contactless Payments for card-not-present transactions, online transactions, e-commerce transactions, recurring bill payments, cash advance transactions, funds transfer transactions, transactions performed or to be performed at any ATM. The BigPay Card also cannot be tokenized on mobile devices for any forms of Contactless Payments.
Any usage of a BigPay Card at any Contactless Reader, if and where permitted by BigPay shall be subject to such terms and conditions as BigPay and VISA may agree from time to time.
Disclosure of loss of PIN, Loss, Stolen, or Unauthorized Use of Card
You shall be and remain liable to us for any goods and services supplied by the merchants and cash withdrawals through the use of your Card whether or not you have authorized such usage. You shall use all reasonable precautions to prevent disclosure of the PIN to any unauthorized person or the loss, theft or unauthorized use of your Card.
In the event of disclosure of your PIN to any unauthorized person or the unauthorized use of your Card or your BiaPay Card is lost or stolen, you must immediately freeze your Card via the Mobile App. Alternatively, you may email us at support.sg@bigpayme.com to cancel your Card Account. If you have the Virtual Card and the BigPay Card, you may choose to block either one or both via the function in the Mobile App. Your Card will be blocked once you have “frozen” it in the Mobile App. Alternatively, if you may email us at support.sg@bigpayme.com, we will block your Card Account upon receipt of your notification to protect the security of your account as a whole. Any block made by us will be at the Card Account level. lYou should then send a confirmation in writing to us. As a matter of prudence, we advise you to lodge a police report immediately to substantiate your claim (if your BigPay Card is loss or stolen).
We may at our discretion on a case-to-case basis ask you for a copy of the police report confirming the incident. If we do indeed require the police report, and you are not able to provide us with a copy, we may not be able to proceed with our investigations and we shall not be responsible or be held liable for any disputes or loss suffered by you in relation to any transactions incurred from unauthorized usage of the Card. You shall be and remain liable for all transactions incurred from unauthorized usage of the Card, where investigations made by us or the police reveal that you are a party in the procurement of any merchandise or services from the merchants effected through the use of the Card by the use of any unauthorized person. You shall be liable for such unauthorized transaction before we receive written notification of the loss or theft. We may at our absolute discretion, resolve that your liability be limited to SGD1000 provided you are not found to be negligent or have not acted fraudulently.
We shall not be responsible and shall not be liable for any transaction as a result of the loss or theft or misuse of the Card (iirespective of Virtual Card or BigPay Card), occurring prior to you reporting the loss or theft of your BigPay Card to us.
Without prejudice to our rights and notwithstanding that you may have exercised all reasonable precaution to prevent the loss or theft or unauthorized use of your PIN or your Card, and you have reported the loss or theft or unauthorized use thereof, you shall remain liable to us if you have acted fraudulently or if you were involved in the procurement of goods or services supplied by any merchant, cash advance or ATM transactions through the use of your BigPay Card by any person or if you have failed to inform us upon discovering that your PIN or BigPay Card has been lost or stolen or used for purposes unauthorized by you.
If you later find or locate your BigPay Card, you should not further use the card but shall cut it into half and dispose of it immediately or return the same to us. Upon the loss or theft of your BigPay Card or upon discovery that an unauthorized person or persons have acquired knowledge of the PIN or use of your BigPay Card not authorized by you, you may request us to issue a replacement card and we shall have the right at our sole discretion to accept or to refuse such request without having to assign any reason whatsoever. We are under no obligation to issue a replacement card automatically following its loss or theft.
Any replacement BigPay Card will be subject to a replacement card fee, unless waived by us at our sole discretion. If we approve your request for a replacement card, and upon proper verification, we will issue a new BigPay Card to you with a new account number. The balance of funds from your previous lost or stolen blocked BigPay Card will be transferred to the new BigPay Card accordingly. If we do not issue you a replacement card and if you do not have a Virtual Card, then your Card Account will be cancelled and the balance in your Card Account will be refunded to you (less any applicable fees and charges) after fourteen (14) business days via cheque or by depositing it into your bank account (provided you have given us your banking account details) or in any other manner in accordance with our internal policies. BigPay will refund Available Balances in SGD only.
Card to Card Transfer (P2P)
P2P is not intended to be used for business, commercial or Merchant transactions and such use may be discontinued without notice by us at any time. We may reverse or place a hold on your transactions or place funds in reserve if evidence of business, commercial or Merchant use is discovered. If you receive and accept a P2P transfer, you are liable to us for not only the payment, but also any third-party fees that may result from a later invalidation of that payment for any reason, including, without limitation if you lose a claim or a chargeback, or if the payment is reversed. We reserve the right to charge your payment credential or take any other legal action to collect the funds to the fullest extent allowed by Applicable Laws. Use of P2P may subject you to fees, including, without limitation, those from third parties, such as reversal charges or other fees for insufficient funds if your attempted payment is rejected. P2P must be used in compliance with Applicable Laws and may not be used in connection with any illegal or illicit transaction. In addition, payments relating to the following activities are prohibited regardless of whether the activity is illegal in your location: (a) weapons, ammunition or explosives; and (b) gambling, games of skill, lotteries, raffles or fantasy sports. If illegal, illicit or otherwise prohibited transactions are reported or discovered, we reserve the right to take action including without limitation the following, without notice to you: place a hold on your transactions, place your funds in reserve, limit your ability to use payments features through the BigPay App, report the activity to the authorities or deactivate your account entirely. P2P use is at your sole risk and we assume no responsibility for the underlying transaction of funds, or the actions or identity of any transfer recipient or sender. Disputes regarding funds are between you and the sender of a payment. If a sender files a claim for a chargeback after a P2P transaction, we are not responsible for determining the veracity of claims or the disposition of the payment.
Disclosure of Passwords, Unauthorized Access
If you wish to update your profile and personal data, including but not limited to, mailing address, contact details, phone numbers, email address, and other personal particulars, you may do so by contacting our customer service. We may from time to time first verify your identity through the security protocols established by us (and which may be changed from time to time at our sole and absolute discretion) before your profile and personal information can be updated. You shall at all times keep all your passwords and security codes, security questions, security answers (including but not limited to those used for verification and authorization purposes and for access into your Card Account) secret and you shall use all reasonable precautions to prevent disclosure of the same to any unauthorized person, or third party. We shall not be responsible and shall not be liable for any loss suffered or in relation to the transactions on your Card Account or for any unauthorized transactions on your Card, if you disclose any of your passwords, security codes, security questions, security answers or any of your personal details to unauthorized parties or third parties.
Cash Withdrawal Facility
Subject to any restrictions stipulated or imposed by us, the MAS or pursuant to Applicable Laws, you may obtain cash withdrawals of such amounts as may be decided by us at our absolute discretion from time to time by the following means:-
presenting your BigPay Card at VISA participating institutions together with evidence of your identification and signing the necessary transaction record; or using your BigPay Card at ATMs under the VISA payment network or the ATM of any other bank or institution carrying the VISA logo with whom we have an arrangement(s) for the use of the ATM of the said bank or institution, in which case the withdrawal shall be subjected to the withdrawal limit imposed by us or the bank, whichever is lower. Any withdrawal made outside Singapore will be in the currency of that particular country or jurisdiction. For all international transactions via ATM and/or any member institution of VISA, the exchange rates (if applicable) shall be the prevailing exchange rates which shall be determined by VISA and all such transactions shall not violate the laws existing in the country where the transactions are done. The use of your BigPay Card to obtain a cash withdrawal shall be deemed to constitute your agreement to pay all applicable fees and/or charges as prescribed from time to time. You cannot make ATM withdrawals in excess of the limits set by the respective ATM networks. Notwithstanding the above, BigPay reserves the right to block, suspend or decline any cash withdrawal Transaction at its sole and absolute discretion.
Transactions made in Foreign Currencies
If a Transaction is made in a foreign currency, the Card Scheme will convert the transaction into the SGD equivalent at the conversion rate as determined by the Card Scheme as at the date it is processed by the Card Scheme after merchant settlement. You will also be required to pay administration costs at such rates/fees as shall be determined by us.
You acknowledge and accept that for Transaction(s) made in foreign currencies, there may be a difference in the refunded amount from the Merchants due to foreign exchange rates and the final amount refunded to you shall not be open to dispute. Once a Transaction made in foreign currency has been settled but the Merchant subsequently initiates a refund, the final amount refunded to you may not match the original transaction amount due to variable foreign exchange rates. Further, any fees charged by BigPay in this respect will not be refunded to you.
Transaction History
A transaction history comprising of a statement detailing your account deposits, expenses, fees, payments, charges, transactions, total account balance, Available Balance and all other relevant information with respect to your Card Account shall be available on the Mobile App.
A hardcopy of the transaction history is available upon request via email to us. All issuance of hardcopies will be subject to a fee as determined by us.
You agree that you will regularly check the entries in the transaction history and that you will inform us of any error, exception, dispute or unauthorized transaction within forty (40) days from the date of the relevant transaction. If we do not receive any written notification from you concerning any error in the transaction history within the stipulated time frame, the transaction history shall be deemed true, complete and accurate, and you shall then be deemed to have accepted the entries in the transaction history made up to the date of the last entry in the transaction history as final and conclusive.
In the event the investigations and verifications conducted by BigPay reveal that the disputed transaction(s) was (were) accurate, genuine and properly authorized by you, then you, the Cardholder shall be liable for all the disputed transaction(s).
You, the Cardholder further agree to indemnify us, BigPay against all other costs, expenses & charges that BigPay may incur in the verification processes of the disputed transactions.
If you dispute any transactions stated in your history transaction, we may in our absolute discretion and as deemed fit conduct any investigation(s) regarding the disputed transaction(s) wherein the following shall apply: If our investigation(s) reveal or indicate that you are liable for any of the disputed transaction(s), we shall be entitled to levy the following charges: an investigation charge as we may deem fit to charge; from the date of the disputed transaction(s) until the finalization of our investigation(s). No investigation charge(s) shall be levied in the event that the investigation(s) reveal that you are not liable for any of the disputed transaction(s). Our findings in any investigation conducted in relation to your Card Account shall be conclusive, final and binding on you and shall not be opened for questioning in any event.
We further reserve the right to make necessary monetary adjustments to your Card Account to correct or align the Account’s balance with the true reflection of its status. This includes, but is not limited to, any internal error or technical issue which may result in your Card Account being credited with extra funds which we would need to adjust or rectify. You may seek clarification on such adjustments, but your Card Account (and/or Transaction History) shall reflect the amounts as adjusted by us of which such adjustments shall be deemed as conclusive.
Communication
You agree that we shall be entitled from time to time to contact you via electronic transmission (including, but not limited to email communication, telex, fax), SMS or via telephone correspondence and calls (which may be monitored and/or recorded by us), and any other means of exchange communication in respect of, but not limited to, matters in relation to your Card, confirmation of transactions, whether or not you transacted the same, status of your Card and Card Account, communication on promotions (and promotional items) for the Card, and for any other matters relating to the Card and Card Account.
You further agree that we shall be entitled to send you marketing materials, promotional offers and newsletters from time to time with regards the Card, the Mobile App and services provided by BigPay. You may opt out from receiving such marketing communications by sending an email to support.sg@bigpayme.com.
Events of Default by Cardholder
We may suspend, block, revoke and/or or terminate the Card and/or any of the services offered to you, the Cardholder with or without prior notice notwithstanding that we may have waived our rights on some previous occasion upon the occurrences of any or more of the following events, including but not limited to:–
if payment of any sum of money is due from you to us at any time under the Card Account; or if you use your Card for any unlawful activities such as online betting and/or gambling activities; or if you commit or threaten to commit a default or breach of any agreements, covenants, stipulations, terms or conditions set out in this Cardholder Agreement; or if you have furnished false information, data or documents to us; or if in our absolute opinion, your Card Account has not been operated satisfactorily or used for fraudulent purposes; or if we have noticed irregular, suspicious or unauthorized activity on your Card; or if an event or events has or have occurred or a situation exists which should or might in our opinion prejudice your ability to perform your obligations under this Cardholder Agreement; or if we in our absolute discretion refuse to issue a replacement card or renew your Card; or if we in our absolute discretion decide to block, suspend, cancel or terminate the use of your Card; or if you use your Card for business and/or commercial purposes which we deem not acceptable to be transacted using your Card. In such circumstances we reserve the right not to refund any balance of funds existing in your Card Account and we shall be entitled to retain the same at our sole discretion, and/or as may be required by the relevant governing authorities. Further thereto, we reserve the right to take any action against you as may be deemed necessary or as may be required under governing laws or by the relevant governing authorities.
We reserve all rights to block, decline or terminate your application for the Card, the issuance of a Card by us to you or your Card and Card Account (if the same has already been issued to you) if we find that you have furnished false or misleading information and/or documents to us concerning your personal details and any other information required in the application form immediately at our sole discretion without any prior notice to you. In such circumstances, we shall not refund any balances existing in your Card Account (if the same has been issued to you) and we shall be entitled to retain the same. We shall not refund the initial top-up amount to you if you have not received the Card yet.
If we obtain judgment from any court for any sum owing under this Cardholder Agreement, any charges payable shall continue to be payable from the date of judgment until the date of full payment of such sum of money so adjudged to be payable to us.
Blocking, Suspension, Cancellation and/or Termination of Card by BigPay due to Suspicious, Fraudulent, Unusual, Irregular or Unauthorized Activity
In addition to the Events of Default above, we may at our sole and absolute discretion, limit, block, suspend or terminate your use of the Card and Card Account if we detect any unusual, irregular, suspicious, fraudulent or unauthorized activity on your Card and/or Card Account; or suspect misuse of your Card and/or Card Account; or there is a contravention; non-adherence or breach by you of any of the provisions of this Cardholder Agreement. We shall have the right to withdraw at our absolute discretion, all or any of the facilities provided by us, with or without notice and without assigning any reasons for it, and in such circumstances if we so deem fit to terminate use of your Card notwithstanding that we may have waived our rights on some previous occasions. We may refuse to issue a Card or may revoke the Card privileges with or without cause or notice, other than as required by applicable law.
If we detect unusual, irregular, suspicious, unauthorized or fraudulent activity on your Card Account, we may suspend and block the use of your Card and Card Account immediately as security/precautionary measures (with or without prior notice to you) until we can verify the activity. If we decide to cancel or suspend (block) the use of the Card, we will attempt to notify you via phone or electronic mail or any other means of communication. You agree not to use or attempt to use an expired, revoked, blocked, suspended, terminated or otherwise invalid Card.
If we cancel and terminate your Card due to the abovementioned reasons, we reserve the right not to refund any balances of funds existing in your Card Account and we shall be entitled to retain the same at our sole discretion, for investigation purposes and/or as may be required by the relevant governing authorities. Further thereto, we reserve the right to take any action against you as may be deemed necessary or as may be required under governing laws or by the relevant governing authorities.
Voluntary Cancellation and Termination of Card by Cardholder
You may at any time of your own accord cancel your Card Account by sending a notice in writing and/or email notification to us. If you cancel your Card Account, we will then terminate both the Virtual Card and the BigPay Card (if you have both) and any balance of funds in your Card Account will be refunded to you subject to the other provisions and exclusions stated in this Agreement. You shall remain liable for any transaction(s) effected through the use of your Card prior to and post (where applicable) termination for the use of your Card Account.
If you have both the Virtual Card and BigPay Card, and you elect to only cancel your Virtual Card, you can still use your BigPay Card for Card Transactions and your Card Account remains active. Once you elect to cancel your BigPay Card, this will also result in your Card Account being terminated.
Refund of Balance of Funds upon Termination of Card Account
Upon termination (whether by BigPay or you) of the use of your Card Account (subject to all Transactions having first been settled with the relevant third party(s), unless otherwise due to termination by BigPay due to Events of Default or due to suspicious, fraudulent, unusual, irregular or unauthorized activity, the balance of funds on the Card Account shall be refunded to you, the Cardholder (less any applicable fees and charges) after fourteen (14) business days from the date we have confirmed the receipt of your request to process the cancellation of your Card Account together with your valid and current mailing address submitted by you to BigPay (via e-mail or any other method notified to you by BigPay from time to time) within seven (7) days from the date of you notifying BigPay of your intention to terminate your Card Account.
In the event of any delay on the Cardholder’s part in confirming his valid and current mailing address three (3) business days prior to the fourteenth business day, then BigPay will only be able to process the refund from the date we receive the Cardholder’s valid and current mailing address. If we do not receive any confirmation in writing from the Cardholder with respect to his valid and current mailing address within the fourteen (14) business days from the date of our request for the said confirmation (following cancellation of the Card Account), then we will be unable to refund the said balance within the stipulated time frame above and shall only refund the same to the Cardholder upon the receipt of the Cardholder’s confirmation in writing of his valid and current mailing address. The balance on your Card Account will be refunded to you via cheque or by depositing it into your bank account (provided you have given us your banking account details) or in any other manner in accordance with our internal policies.
BigPay will refund any Available Balances in SGD only.
Dormant Account
We reserve the right to charge account service fees for any dormant or inactive Card Accounts for a particular month.
Balance Transfer upon New Card Application or Renewal
If there is a balance of funds remaining on the Card Account upon the expiration of the Card, and you decide to renew your card (subject to our approval), then the balance of funds will be transferred to a new Card Account.
Telephone Monitoring and Recording
You agree that we may contact you by telephone about your Card Account, and any other matters in relation to your Card. You agree that we may place such telephone calls using automatic dialing and that such calls will not be deemed as unsolicited calls by you. From time to time we may monitor and/or record telephone calls between you and us. You agree that monitoring and/or recording may be done and that no additional notice to you or additional approval from you is needed.
Variation of Terms
Subject to the limitations of Applicable Laws, we may at any time revise, withdraw, substitute or remove any of the terms and conditions of this Cardholder Agreement. We will give notice of any amendment by posting the same at the Mobile App, Website or through such channels as we may determine in our discretion. Any such material amendment shall bind you upon notice or on the date which such material amendment takes effect as specified in the notice, whichever is earlier. You shall agree that any notification of amendments as aforementioned shall be sufficient notice for the purpose of this paragraph. Your continued use of the Card after the date of such notification shall constitute an affirmative acknowledgement by you of the amendments and shall be deemed to be your acceptance of such revised Terms.
If you do not accept the proposed revision, substitution or change, you are entitled to terminate the use of your Card and Card Account by contacting us, and the provisions relating to termination shall apply.
Notwithstanding the above, we specifically reserve the right to withdraw or terminate the Card program (in whole or in part), any program, feature, function or benefit thereunder at any time with or without prior notice at our sole discretion. We may from time to time issue additional terms and conditions for the Card, if required.
The latest version of this Cardholder Agreement will be available on the Mobile App and/or Website. We advise you to review the Terms and Conditions regularly whenever you log-onto the Mobile App.
Disclosure
BigPay protects the privacy of your information as detailed in our Privacy Policy.
You acknowledge and agree that in order for us to provide you with the services, benefits, offers and privileges related to the Card and/or the Mobile App, to manage your Card, Card Account and the Mobile App, to facilitate the use of your Mobile App, the Card and the processing of any transaction effected or to be effected through the use of your Card, we shall be entitled to disclose and you irrevocably consent to our disclosure of any information pertaining to you including details related to your Card, Card Account, Mobile App and any other information that may be necessary in relation thereto, to any regulatory authority (including but not limited to the MAS) or such other authority or body having jurisdiction over us, and to our parent, subsidiaries, associates, related companies and affiliates, our licensee, our assignees, proposed assignees, agents, vendors, service providers (including partner networks), merchants, strategic partners, commercial partners, third party contractors, regulatory authorities (including the MAS and such other authorities having jurisdiction over us), credit reporting agencies, card schemes or payment network operators and any other party engaged by us to enable or assist us in the provision of services to you or to exercise or enforce our rights hereunder and/or any other party whomsoever as we may, to the extent at our sole and absolute discretion, deem fit and necessary, within and beyond Singapore, as stipulated in our Privacy Policy.
You agree and authorize us to contact you, through any means, to make any inquiries and request additional information to validate any information we have on our records. Such inquiries may include, without limitation, mobile phone number verification, account verification, and requests for additional personal information. If we do not have your personal information, or you choose not to share or disclose any information that we may require, we may not be able to provide or continue to provide you with the Card or Card- related services and we will not be obliged, responsible or held liable for the failure to provide the same (and/or any disputes in relation thereto).
Any disclosure by us of your information as set forth herein shall not render us liable to you for any claim, loss, damage (including direct or indirect damages or loss of profits or savings) or liability howsoever arising whether in contract, negligence, or any other basis arising from or in relation to: the release or disclosure of the information by us; and/or the information being incorrect, erroneous or misstated; and/or reliance on the information, whether caused by us or other third party’s misstatement, omission, negligence or default or by technical, hardware or software failures of any kind, interruption, error, omission, viruses, delay in updating or notifying any changes in the information or otherwise howsoever.
Costs and Expenses
You hereby agree that if we initiate legal proceedings against you because of a default in the terms of this Cardholder Agreement, you shall be liable to pay to us all legal costs (including costs on a solicitor and client basis), other costs, charges and expenses which we may incur in enforcing or seeking to enforce any of the provisions of this Cardholder Agreement or in obtaining or seeking to obtain payment of all or any part of the monies owing by you. Your responsibility for fees and costs shall not exceed the maximum amount allowed by law.
Indemnity
You agree to indemnify, defend and hold us and our parent, respective affiliates, related companies, officers, employees, agents, contractors, representatives, suppliers, vendors, service providers, partner networks and other related parties involved in the provision, processing and/or execution of services, benefits, offers and privileges related to the Card, harmless from and against any claims, losses, damages, judgments, awards, costs, liabilities, expenses or fees (including without limitation reasonable attorneys’ fees) arising out of or in connection with your breach of this Cardholder Agreement or your use of the Card and/or the Mobile App, of any Applicable Laws, or violation of any rights of a third party including your use of any information or content obtained from or through your use of the Card or the Mobile App other than expressly permitted by this Cardholder Agreement or of your negligence, fraud or willful misconduct.
BigPay reserves the right, at its own cost, to assume control of any defence or any other matter otherwise subject to indemnification by you, in which event you shall cooperate fully with BigPay in asserting such available defences as elected by BigPay in its reasonable discretion.
Service and/or Notification
You irrevocably consent to the service of any document, material, product material, notice or statement hereunder by ordinary post to your last known address in our records and such service shall on the 5th day after posting, be deemed to be good and sufficient service of such process or documents. You hereby agree that if any action is begun in the courts in Singapore in respect of this Cardholder Agreement, the legal process and other documents may be served by posting the documents to you at your last known address in our records and such service shall on the 5th day after posting, be deemed to be good and sufficient service of such process or documents. Any notice or other document to be given under this Cardholder Agreement and all other communications by you to us with respect the legal process shall be in writing and may be given or sent by hand, or registered post to us at the address set out below:–
By Mail or Hand To:
BigPay Singapore Pte Ltd
80 Robinson Road #02-00,
Singapore 068898
or to such other address as we may give notice to you from time to time.
Issues or complaints with respect to the Card
You may also contact us support.sg@bigpayme.com for any queries or issues you may have regarding the Card or to lodge any complaints with respect to the Card or you may contact our customer service team via the contact details stated in the Mobile App.
Security
BigPay treats the security of your Account with utmost priority and to this end, we use a variety of security measures to make sure that your Account is secure. However, it is your responsibility to ensure that your Account is kept safe from unauthorized access and attempts to use it for fraudulent purposes at all times. You must ensure that you do not share access of your Account with any person other than yourself and keep your login details safe. It is your responsibility to keep your Account secure and be responsible for Transactions carried out using your Account. You should never conduct any Transactions on behalf of any third parties or allow any other individual to conduct a Transaction on your behalf. You should never use the Mobile App or submit any Transactions on a ‘jailbroken’, ‘rooted’ or otherwise modified device. In addition, you must only download or use the Mobile App on mobile devices installed with the latest and most secured operating system(s) available for the mobile device. If you find or suspect any unauthorized use of your Account or any other security breach, you must notify us immediately using any of the contact methods provided above so that we can take all the necessary steps to prevent further unauthorized use.
Where you have notified us, or we reasonably believe that your Account has been compromised, we may stop, block or suspend your access to and use of your Account and/or the Card. We also have the right to disable or change any user name or password (if possible), whether chosen by you or provided by us to ensure the security of the Account, in our sole discretion. Note that any act or omission of BigPay in relation to any steps to be taken as set out above does not make BigPay liable to you for any loss or damage arising from the result of your failure to keep your Account secure and notifying us of the same.
If you believe that a Transaction was made without your authorization, you must contact us immediately. We will conduct an investigation and may provide refunds of unauthorized Transactions unless:
you have acted fraudulently;
you have intentionally or negligently compromised the security of your Account or failed to keep the details you use to access the Account secure; or
otherwise due to termination by BigPay due to Events of Default or due to suspicious, fraudulent, unusual, irregular or unauthorized activity.
If our investigations result in any special circumstances deviating from the above and affect the outcome of your liability and/or eligibility for a refund, we will notify you. Note that we have no responsibility towards you for any loss caused by unauthorized access prior to you notifying us. A charge may also be applied for any refund request if the unauthorised use, loss, theft or misuse of the Account was caused by your error, carelessness or negligence.
In cases where we have reason to believe that you have acted fraudulently, we may decide not to allow any refund to you, investigate the circumstances further or even forward the matter to the law enforcement authorities, including the MAS. If an investigation (whether by us or the authorities) results in a finding of fraud by you, we may charge you for costs incurred by us in carrying out such investigation and further deduct these monies from your Account. If you think you have been or might be a victim of fraud, please contact us immediately.
We also regularly monitor the apps distribution platforms and will report fake mobile applications to the app distribution platforms for their further action to prevent such fake mobile applications from being made available for download by users. We also monitor sources identifying fake/phishing websites and will take the necessary action to report the same to the appropriate parties (overseeing or hosting these sites) for the same to be taken down in order to safeguard users from falling prey to scams or fraud sites guising as BigPay’s official website. In any event, users can validate the authenticity of the Mobile App through Apple’s App Store and Google’s Play Store, as the mobile application is signed by the Big Pay developer account. Notwithstanding, you must only download the Mobile App from either Apple’s App Store or Google’s Play Store. You must not download the Mobile App from any other app sites, websites or app forums as they will probably be fake or phishing sites which we do not authorize or approve to publish the BigPay App.
Please further read the ‘Security Alert’ provided under the ‘Security & Legal’ page on the Mobile App for further awareness on online transaction risks.
Waiver
Our acceptance of any terms or payments or any waiver by us of our rights or any indulgence granted to you shall not operate to prevent us from enforcing any of our rights hereunder this Cardholder Agreement nor shall such acceptance operate as consent to the modification of any of the terms of this Cardholder Agreement in any respect nor shall such waiver of rights affect our other legal rights.
The rights and remedies provided in this Cardholder Agreement are cumulative and not exclusive of any rights or remedies provided by law.
Assignment
We shall be entitled at any time without your consent assign the whole or any part of our rights or obligations under this Cardholder Agreement with or without notice to you. This Cardholder Agreement and/or Card shall not be assigned by you to any other third party without our written consent.
Successors Bound
This Cardholder Agreement shall be binding upon and enure to the benefit of our respective successors in title and assigns provided that you may not assign your rights and obligations under this Cardholder Agreement without our prior written consent.
Severability of Provisions
If any of the provisions of this Cardholder Agreement becomes or is determined to be invalid, illegal or unenforceable in any respect under any law, rule or regulation, the remaining terms of this Cardholder Agreement shall not be affected, and all other provisions of this Cardholder Agreement will still be valid and enforceable and this Cardholder Agreement shall be interpreted as if the invalid terms had not been included in this Cardholder Agreement.
Governing Law and Jurisdiction
This Cardholder Agreement is a contract made under the laws of Singapore, and shall be governed by and construed in accordance with the laws of Singapore. You consent and agree to submit to the exclusive jurisdiction of the Singapore courts concerning all matters arising out of or in connection with your use of the Card under this Cardholder Agreement.
Provision of Further Documents
You undertake to provide or execute such further documents as may be requested by us from time to time (if required).
Notification of Change
You should always ensure that you provide us with your most updated and current personal particulars and information, including your mailing and correspondence/permanent address, contact number, electronic mail address and other required details in order to ensure that your records with us are kept up to date, complete and accurate. If any information supplied by you changes during the course of your Card account with us, you should notify us immediately to enable us to update your information in our records.
You shall promptly notify us in writing of any change in your mailing, permanent, correspondence or office address, electronic mail address or contact number. Failure to do so may result in either your BigPay Card, information regarding the Card or your PIN being sent to the wrong person or wrong address, or your transactions being declined at point-of-sale. If this happens, we shall not be responsible or held liable for any resulting unauthorized use or misuse of value on your Card.
Any notice given by us shall be deemed given to you if sent by electronic or postal mail to the last known mailing/correspondence address of you, the Cardholder as shown on our records. BigPay shall not accept any notification of addresses (business, office, residential or correspondence address) bearing a P.O. Box number.
Use of the Website and/or Mobile App - Terms of Use and Privacy Policy
In addition to the foregoing terms and conditions, when you use our Website or the Mobile App, the Terms of Use governing the Mobile App and the Website (if any) and Privacy Policy shall apply in addition to and not in substitution for any terms and conditions contained in this Cardholder Agreement.
Language
In the event of any inconsistencies between this Cardholder Agreement and its translation in any other language, the English language version of this Cardholder Agreement shall supersede and prevail over any other language.
Customer Advisory
Consumer Advisory
BigPay Singapore Pte Ltd is licensed under the Payment Services Act 2019 (No.2 of 2019) (“PS Act”) as a major payment institution to carry on the business of cross-border money transfer service. We have also applied to the Monetary Authority of Singapore (“MAS”) to vary the activities we may conduct as a major payment institution to additionally include: (i) account issuance service, (ii) domestic money transfer service and (iii) e-money issuance service. Users are advised to read the terms and conditions set out in the Cardholder Agreement carefully.
Terms Of Use
MOBILE APP TERMS OF USE
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS MOBILE APPLICATION (“MOBILE APP”).
By using this Mobile App you are deemed to have read and accepted these Terms of Use. Please refrain from using this Mobile App if you do not agree to all or any of these terms and conditions. BigPay shall not be liable for payment of any costs or expenses incurred as a result of downloading and using this Mobile App, including any operator network and roaming charges.
1. Content
(a) The contents of our Mobile App are intended for your personal non-commercial use only. Graphics and images on this Mobile App are protected by copyright and may not be reproduced, translated or appropriated in any manner without our written permission. Modification of any of the materials or use of the materials for any other purpose will be a violation of BigPay’s copyright and other intellectual property rights and the copyright and intellectual property rights of the respective owners.
(b) If you download any software from the Mobile App, the software, including any files, images incorporated in or generated by the software, and data accompanying the software (collectively, the “Software”) are licensed to you by BigPay. BigPay does not transfer title to the Software to you. You own the medium on which the Software is recorded, but BigPay retains full and complete title to the Software, and all intellectual property rights therein. You may not redistribute, sell, decompile, reverse-engineer, disassemble or otherwise deal with the Software nor extract the source code of the Mobile App.
2. Use of Mobile Application
You agree to use this Mobile App in accordance with these terms and conditions and for lawful and proper purposes. You agree to be responsible for all matters arising from your use of this Mobile App. Further, you agree not to use this Mobile App in any manner which breaches any applicable law or regulations or causes or which may cause an infringement of any third party rights, not to post, transmit or disseminate any information on or via this Mobile App which may be harmful, obscene, defamatory or illegal or create liability on BigPay’s part, not to interfere or attempt to interfere with the operation or functionality of this Mobile App and not to obtain or attempt to obtain unauthorized access, via whatever means, to any of BigPay’s systems. (b) If BigPay (in its sole discretion) believes that you are in breach, or will be in breach, of any of these terms and conditions, BigPay reserves its right to deny you access to this Mobile App without giving you a reason and/or without further reference to you.
3. Other Sites
Our Mobile App provides links to other sites and vice versa merely for your convenience and information. We shall neither be responsible for the content and availability of such other applications that may be operated and controlled by third parties and by our various branch offices worldwide, nor for the information, products or services contained on or accessible through those mobile applications. Your access and use of such mobile applications remain solely at your own risk. BigPay will not be liable for any direct, indirect, consequential losses and/or damages of whatsoever kind arising out of your access to such applications.
4. No Warranties
We provide no warranty, whether expressly or implied, of any kind including but not limited to any implied warranties or implied terms of satisfactory quality, fitness for a particular purpose or non-infringement. All such implied terms and warranties are hereby excluded.
5. Disclaimer
BigPay does not warrant that the functions contained in the materials will be uninterrupted or error free, that defects will be corrected or that this Mobile App or this server that makes it available is free of any virus or other harmful elements. BigPay does not warrant or make any representations regarding the correctness, accuracy, reliability or otherwise of the materials in this Mobile App or the results of their use.
6. Liability
(a) By using our Mobile App you agree that we will not be liable under any circumstances, including negligence, for any direct, indirect or consequential loss arising from your use of the information and material contained in our Mobile App or from your access to any of the linked sites. We are also not liable nor responsible for any material provided by third parties with their own respective copyright and shall not under any circumstances, be liable for any loss, damages or injury arising from these materials.
(b) Any BigPay publication may include technical inaccuracies or typographical errors. Changes may be made to these publications from time to time and incorporated in new editions of these publications. At any time without notice, these publications are subject to improvements and changes in service by BigPay.
(c) The information contained in this Mobile App is for informational purposes only and is provided to you on an “as-is” basis. We do not guarantee the accuracy, timeliness, reliability, authenticity of completeness of any of the information contained on this Mobile App. We are not liable for any information or services which may appear on any linked mobile applications.
7. Changes and Modifications
(a) We reserve the right at our absolute discretion and without liability to change, modify, alter, adapt, add or remove any of the terms and conditions contained herein and/or change, suspend or discontinue any aspect of this Mobile App.
(b) We are not required to give you any advanced notice prior to incorporation of any of the above changes and/or modifications into this Mobile App.
8. Suggestions, Comments and Feedback
Any communication you send to our Mobile App or otherwise to us by electronic mail shall be treated as non-confidential. Your comments, suggestions, questions, feedback and the like regarding the content and/or our services in general, including any ideas, inventions, concepts, techniques or know-how disclosed therein may be used by us for any purpose, including the developing, manufacturing and/or marketing of goods and/or services, and in such circumstances you are not entitled to any reward or compensation of whatever nature from us. FOR THIS PURPOSE, WE RESERVE THE RIGHT whenever necessary to disclose your personal information without your consent to our affiliates, authorised agents, government/security agencies or the providers of similar services, in whatever country they may be located as set forth in the Privacy Policy.
9. Exclusions
The exclusions and limitations described herein shall apply only to the extent permitted by law, without prejudice to our rights to seek legal redress in accordance with the applicable laws.
10. Data Protection
Please also see BigPay’s Privacy Policy regarding information you provide to BigPay when you register for, download and/or use this Mobile App.
11. Conflict Between English Text and Other Translation
If there is any conflict or discrepancy between the English text of these Terms of Use and any translation thereof, the English text shall prevail and supersede any other translation or any other version in any other language.
***
Bank Transfer
SUPPLEMENTARY TERMS AND CONDITIONS FOR REMITTANCE SERVICES
BigPay Remittance Terms and Conditions – Remittance Services Agreement
This agreement (“Agreement”) comprises the contract between you, the Account holder and BigPay Singapore Pte Ltd (“BigPay”), and contains the supplementary terms and conditions for the Remittance Services offered by BigPay via the BigPay Mobile Application (“BigPay App”), which, together with the terms and conditions set out in the Cardholder Agreement and Terms of Use governing the BigPay Card and BigPay App, jointly governs the use of the remittance services and which are binding on you (collectively “Remittance Terms and Conditions”).
By accessing or using the Remittance Services, you agree to the Remittance Terms and Conditions as well as our Privacy Policy. Do not use the Remittance Services if you do not agree to be bound by the Remittance Terms and Conditions and the Privacy Policy.
Other supplemental terms may also apply to the Remittance Services from time to time in respect of a particular event, activity or promotion organized by BigPay and/or its affiliates, and such additional supplemental terms will be disclosed to you from time to time during the relevant event, activity or promotion period. These additional supplemental terms are in addition to, and shall be deemed a part of, the Remittance Terms and Conditions for the purposes of the Remittance Services. These additional supplemental terms shall prevail over the Remittance Terms and Conditions in the event of a conflict or inconsistency.
Definitions
In addition to words which meanings are already defined in the Cardholder Agreement and/or Terms of Use of the BigPay App (which applies equally to these Remittance Terms and Conditions unless where otherwise stated or defined), the definition of words used in these Remittance Terms and Conditions are as follows:
“Account” means your BigPay Card account designated, maintained and operated by BigPay in relation to your Card;
“Applicable Laws” means the applicable laws governing the provision of the Remittance Services including but not limited to the Payment Services Act 2019 of Singapore (“PS Act”) and all other applicable laws governing the provision and use of the Service in Singapore and in the jurisdictions of where the funds are remitted to including jurisdictions of the Beneficiaries, if and where applicable;
“Available Balance” means the actual amount of funds available at any time (subject to the appropriate E-money purse limit) for usage in your Account;
“Beneficiary(ies)” or “Recipient” means the individual designated by you in a Transaction order as the recipient of the funds to be disbursed upon the completion of the processing of such Transaction;
“BigPay App” or “Mobile App” means BigPay’s Mobile Application which is an application software running on a mobile device where you can register and apply for the BigPay Card, activate, access set and edit your Account, including but not limited to your basic account preferences, your personal particulars, your notification preferences, optional subscription services, view Available Balance and Transactions details, block your Card, perform transfer of funds from your Card to another BigPay Card and interact with BigPay’s customers service;
“BigPay Card” means the prepaid card issued by BigPay pursuant to the Cardholder Agreement;
“Cardholder Agreement” means the terms and conditions and agreement governing the use of your BigPay Card and Card Account as contained in the BigPay App and the Website;
“E-money” has the meaning given to such term in the PS Act;
“MAS” means the Monetary Authority of Singapore;
“Partner Networks” means entities such as remittance or money service providers, retailers, financial institutions, paying agents and other service providers etc., appointed by or working with BigPay to provide you with the Remittance Services including without limitation the processing, disbursement and pay-out of funds or any other acts incidental to the processing and completion of the Transactions in the destination country as identified in your Transaction order;
“Remittance Terms and Conditions” means the terms and conditions as set out in this Agreement;
“Remittance Services” or “Service” mean the remittance of funds via wire transfer which includes either domestic fund transfer within Singapore or international cross border fund transfer from Singapore to other jurisdictions, offered via the BigPay App by BigPay in accordance with these Remittance Terms and Conditions;
“Sender” means you, being the Account holder who places the order with BigPay via your Account and authorizes the wire transfer from your Account via the BigPay App for the purpose of processing of the Transaction by BigPay;
“Transaction” means a wire transfer of funds using the Remittance Services including without limitation the specific instruction or order you have submitted to BigPay to send a remittance of money for the benefit of a Beneficiary through the Remittance Services and the acceptance of such remittance of money by the Beneficiary;
“Transaction Amount” means the amount of funds you wish to transfer to your Beneficiary; and
“Transfer Fee” means the fee charged by BigPay in connection with BigPay’s acceptance and processing of a Transaction order submitted by you in respect of the Remittance Services.
Throughout these Remittance Terms and Conditions, the terms "BigPay", "we", "us", and "our" refers to BigPay Singapore Pte Ltd and/or any of our subsidiaries and affiliates. The terms “you” and “your” refers to you as a user of the Remittance Services whether as the individual in the capacity of the Sender submitting a Transaction order through the BigPay App or as a Beneficiary.
Overview of Remittance Services
The Remittance Services are made available to you by BigPay (in conjunction with the Partner Networks). The Remittance Services allow BigPay Account holders to access and utilize the money remittance function within the BigPay App to send money (i) domestically within Singapore and (ii) internationally to certain jurisdictions around the world. Subject to the restrictions in these Remittance Terms and Conditions, Beneficiaries of any Transaction(s) submitted need not necessarily be a BigPay Account holder. However, take note that the Remittance Services are currently limited to individuals and non-commercial person-to-person Transactions and remittances to business entities are not allowed. You are strongly advised never to use the Remittance Services to transfer funds for the benefit of strangers or other unknown third parties.
By using the Remittance Services, you hereby warrant, represent and declare that:
You are an Account holder with a valid BigPay Card;
You (or your Beneficiary) are not from a sanctioned or high risk country;
You (or your Beneficiary) have not been blacklisted by any financial institutions, licensed banks, E-money issuers or remittance service providers (including Partner Networks) in Singapore or abroad;
You (or your Beneficiary) are not persons included in our internal lists and the relevant money laundering and terrorism financing information sources, as well as global lists or databases provided by local or foreign authorities (including but not limited to the MAS, United Nations Security Council Resolutions (UNSCR), Office of Foreign Assets Control (OFAC); you (or your Beneficiary) are not listed as a Specially Designated National (SDN); you (or your Beneficiary) are not included as a politically exposed person (PEP) or a family member or close associate of a PEP (RCA); you (or your Beneficiary) are not included in lists or databases as provided or recommended by the Financial Action Task Force (FATF); and/or such other lists as may be issued from time to time by the relevant government agencies; and
All of the information provided by you to enable us to process and execute a Transaction (including details of Beneficiary(s) is true, accurate and complete.
You acknowledge and agree that at any time should any of the representations, warranties and/or declarations above cease to be accurate or we discover to be untrue or that you have misrepresented the same, we shall be fully entitled at our sole and absolute discretion to terminate any Transaction(s) undertaken by you (if already undertaken) whereby the Transaction amounts or Transfer Fee may not be refunded to you due to such breach, and to take further and appropriate action which may include suspending, blocking and/or terminating your Account together with that of the Beneficiary (if applicable) without any liability to you howsoever. You further acknowledge and agree that in order for us to provide you with the Service, the sharing, transfer, retrieval, updating and processing of your (and your Beneficiary’s) personal information may occur between BigPay, our parent, subsidiaries, associates, related corporations and affiliates, our licensees, assignees, proposed assignees, agents, vendors, service providers (including Partner Networks), merchants, strategic partners, commercial partners, third party contractors, any regulatory authorities (including the MAS and such other authorities or bodies having jurisdiction over us), card or payment network operators, and any other parties engaged by us to enable or assist us in the provision of the Service to you or to exercise or enforce our rights hereunder and/or any other party whomsoever as we may, to the extent at our sole and absolute discretion deem fit and necessary, within and beyond Singapore, as stated in our Privacy Policy and you have consented to the same; and that you have read, understood and accepted all the terms and conditions contained in this Agreement and in connection with the use of the Service, and that they are legally binding on you.
Usage Restrictions
The provision and use of the Remittance Services is subject to certain conditions and usage restrictions. You agree and acknowledge that your use of the Remittance Services is conditional upon the following:
You shall comply with and not breach or violate any restrictions in this Remittance Terms and Conditions, any other agreement between you and BigPay and any Applicable Laws, rules or regulations including the Cardholder Agreement and Terms of Use.
You may only have one active BigPay Account from which you submit Transaction orders for any Remittance Services.
Remittance Services may not be available in whole or in part in different countries and jurisdictions at the sole discretion of BigPay.
By submitting a Transaction order, you agree that it represents your request to us that we process your Transaction, an offer that we may accept or reject at our sole and absolute discretion at any point before executing and confirming the Transaction or delivery of the underlying funds to the Beneficiary without any liability to you howsoever.
We may at any material time decide not to process your request or order or Transaction especially if we suspect you (or your Beneficiary) are or may be involved in money laundering, terrorism financing activities, fraudulent or illegal activities.
We will not process your request or order or Transaction if we find that you (or your Beneficiary) have breached or will breach any of your representations, declarations and/or warranties.
BigPay’s acceptance, processing and execution of any Transaction order submitted by you is also subject to the acceptance of the same by the Partner Networks. You agree that you will not hold BigPay liable for any losses or damages resulting from Partner Networks’ decision not to accept, process or execute any Transaction order submitted by you to BigPay.
No Transaction order shall be deemed accepted, processed or executed by BigPay until we are satisfied of our ability to process such Transaction in compliance with Applicable Laws and offer the Transaction funds to the Beneficiary.
You shall not provide any false, inaccurate or misleading information or refuse to cooperate in an investigation or provide confirmation of your identity (or that of the Beneficiary) or any information you provide to BigPay.
You shall not use the Remittance Services for the purpose of providing yourself a cash advance from a credit facility including a credit card (or help others to do so).
You may not use the Remittance Services for any improper purpose, such as money laundering, terrorism financing, unlawful activities, illegal on-line gambling, illegal purchase of controlled substances or prescription medication, purchase of firearms or explosives, fraud, prostitution or child-trafficking, or financial support of terrorists or terror-supporting organizations.
You acknowledge that BigPay is not liable for your use of the Remittance Services for any commercial purposes, including without limitation any risks associated with the purchase of goods or payment for services of any kind such as losses you suffer for undelivered or defective goods and services you pay for by way of the Remittance Services.
You shall not attempt to circumvent or avoid any identification, record-keeping or reporting requirements.
You shall not use any automatic device, or manual process to monitor, reverse engineer or copy the BigPay App.
You agree that BigPay reserves the right at any time, and from time to time, to modify or discontinue the Remittance Services (or any part thereof) with or without notice.
Remittance Limits
BigPay may in its sole discretion refuse any Transaction order or limit the amount to be transferred, either on a per transaction or aggregated basis. The current remittance limits and thresholds set by BigPay in general as well as for specific user or Account holder categories (Singaporeans, expats, foreign workers and/or other categories, if applicable) will be displayed or notified to you when you make a remittance transaction via the BigPay App. Note that certain Partner Networks may additionally restrict the amount of any Transaction to a higher minimum or lower maximum than BigPay’s amount restrictions listed. BigPay reserves the right to limit any Transaction involving certain Partner Networks to the limitations set by such Partner Networks without any liability to you.
Funding Transactions
All Transactions are fully funded from the Available Balance in your Account. The terms and conditions in relation to the loading or topping up of E-money into your Account can be found in the Cardholder Agreement.
To use the Remittance Services, you must initiate a Transaction order with BigPay via the BigPay App and pay for the Transaction Amount together with the Transfer Fee and such other fees and charges depending on the nature of your Transaction order or as may be determined by BigPay from time to time. More information regarding the Transfer Fee and other fees and charges applicable to the Remittance Services can be found in the ‘Fees and Charges’ section on the Mobile App and Website. Please read the “Fee and Charges” section on the Mobile App or Website before you make an order for any Transaction so you are aware of the fees applicable, including any revisions or updates to the same from time to time.
Generally, payment is due at the time you submit a Transaction to us for processing although we may at our discretion choose not to debit your Account immediately. In order for us to process and complete the Transaction, you authorize BigPay to access, charge, electronically transfer, or debit the required amount from your Account towards payment of the Transaction. You are responsible for ensuring that your Account has sufficient Available Balance to pay for your Transaction. You authorize BigPay to re-try one or more times to charge your Account to collect the required amounts in the event that BigPay’s first attempt to collect these amounts from your Account is unsuccessful. If we have disbursed any funds towards a Transaction pursuant to your order and are subsequently advised that your Account has insufficient funds available, you remain liable to us for the full amount of any such payment of the Transaction and you agree that we shall deduct the same from your Account thereafter. You also authorize BigPay to initiate debit and credit entries to your Account in connection with the Remittance Services. Note that Transactions involving funds in excess of your Available Balance may be declined or rejected by BigPay and may further result in additional charges, chargeback fees, or other similar expenses from the Partner Networks which BigPay may collect from you via deduction from your Account. BigPay shall collect these additional charges, chargeback fees, or other similar expenses from you when incurred, deducted from your Available Balance. BigPay has no obligation to process or complete any Transaction order if BigPay is unable for any reason to obtain authorization, collect the required amount of funds from your Account (being the Transaction Amount and the Transfer Fee and such other fees and charges depending on the nature of your Transaction order or as may be determined by BigPay from time to time) or to proceed with settlement with the Partner Networks.
Information required and customer due diligence
Customer due diligence (“CDD”) is a mandatory requirement under the Applicable Laws for any party that uses or intends to use the Remittance Services. Accordingly, in addition to the information BigPay collects from you at the point of Account application and registration for your BigPay Card, usage of the Remittance Services may require you to provide BigPay with additional information and/or documentation before you can conduct any Transactions. Such additional information may include information or documentation that will enable us to verify or re-verify your identity as well as that of your Beneficiary, including but not limited to your payment or funding sources, Employment Pass (if you are not a Singaporean) and so on. We may also re-verify your identity via electronic know-your-customer (“e-KYC”) processes. Another set of information you may need to provide to us in order to process your Transaction will be information about the Beneficiary such as: full legal name, location, and, depending on other circumstances such as the amount to be transferred and method for receiving funds, a copy of the Beneficiary’s government issued ID or equivalent, address, date of birth, country of birth, nationality and other information that we require in order to verify the Beneficiary and correctly transfer the funds to that Beneficiary. Where required, we may also obtain information about you and the Beneficiary from other sources whether directly or through public and private third parties, in order to verify your identities and to ascertain the accuracy of information provided by you.
We are also required under the Applicable Laws to screen all individuals who use or intend to use the Remittance Services (be it you or your Beneficiary) against our own internal lists and the relevant money laundering and terrorism financing information sources, as well as global lists or databases provided by local or foreign authorities
for the purposes of determining if there are any money laundering or terrorism financing risks in relation to the such individuals. If we ascertain that you (or your Beneficiary) are included in any of the respective lists you (and your Beneficiary) shall not be allowed to conduct or use the Remittance Services.
By submitting a Transaction order for processing, you agree that BigPay may send you text messages (“SMS”) or notifications (via email, SMS or via the Mobile App) as part of the Remittance Services’ normal operations. You may opt-out of receiving such messages at any time. You acknowledge that opting out of receiving SMS messages may impact your use of the Remittance Services.
It is a condition of your use of the Remittance Services that all the information you provide to us is correct, current and complete at all times. BigPay protects the privacy of your information as detailed in BigPay’s Privacy Policy (please refer to the same in the Privacy Policy section on the Mobile App or Website). By accessing or using the Remittance Services, you acknowledge and agree to our Privacy Policy and authorize us to contact you or your Beneficiary, through any means, to make any inquiries and request additional information to validate any information we have on our records. Such inquiries may include, without limitation, the following: mobile phone number verification, account verification, and requests for additional personal information. The information collected will not be shared with non-affiliate third parties without your [(or your Beneficiary’s)] knowledge and consent. In order for us to process the Transaction, you undertake and confirm that you have the Beneficiary’s consent for you to provide us all required information in respect of the Beneficiary and for us (and/or our Partner Networks) to use and verify such information and to contact the Beneficiary for this purpose.
Processing Transactions
We may establish or change cut-off times for the receipt, processing and/or completion of Transaction orders that you submit to us on the BigPay App. These cut-off times (if applicable) will be displayed on the BigPay App. The time taken to process and complete your Transactions and for the Beneficiary to receive the funds is displayed on the BigPay App. Such times stated may not include the time taken by the Partner Networks involved in the processing of the Transaction(s) to process and execute the same and remit the funds to the Beneficiary(s) or the Beneficiary bank. BigPay will use reasonable efforts to ensure the timely processing of Transactions but makes no claims or warranties regarding the time needed to process a Transaction. You acknowledge and agree that the timing and delivery of Remittance Services depends on multiple factors outside of BigPay’s control including dependency on the Beneficiary’s bank or Partner Networks involved in the Transaction. You agree that you will not hold BigPay liable or responsible for any delays in processing or completion of the Transaction(s) or for any delays in the remittance of the funds to the intended Beneficiary(s) or the Beneficiary’s bank. Whether your Transaction order is to a Beneficiary or Beneficiary bank located within or outside of Malaysia, you agree that we are unable to guarantee the receipt or timely processing of the funds on the part of that domestic or foreign Beneficiary bank or Partner Network involved in the Transaction. By sending funds to a Beneficiary within or outside of Malaysia, you understand that we have no control over how or when the funds are received or processed by the domestic or foreign Beneficiary bank or Partner Network involved in the Transaction and that it could take an extended period of time for funds to be processed by that domestic or foreign Beneficiary bank or Partner Network involved in the Transaction. Therefore, you understand and acknowledge that by submitting a Transaction order to a Beneficiary or Beneficiary bank whether located within or outside of Malaysia, you accept all risks associated with such a Transaction order, including any possible delay in the same. BigPay will not be held liable or responsible to refund you any of the funds or costs (including Fees and Charges) associated with processing your Transaction where the funds you sent were lost, destroyed, delayed, misdirected, improperly credited, not processed, or not received by the Beneficiary or Beneficiary bank due to no fault of ours.
Please verify that all information provided prior to submitting a Transaction order is correct (i.e. name of Beneficiary, bank account number and any other information as required) as BigPay is not responsible for detecting inaccuracies. Note that in general, once a Transaction order is submitted, it cannot be cancelled or amended. If incorrect information is provided, funds may be disbursed to the wrong account or person other than that of your Beneficiary and may not be recoverable. Notwithstanding this, we may, in our sole and absolute discretion, allow requests to amend certain submitted Transaction details or attempt to reverse your Transaction order on a strictly case by case basis if you inform us that you wish to do so, provided always that, the funds have not been processed by the Partner Networks or Beneficiary bank involved in the processing of the Transaction(s) or the funds have not been paid out to the Beneficiary or Beneficiary bank account stipulated by you in the Transaction order. In any case, BigPay does not guarantee that any request for amendment or reversal will be successful. A charge may be applied by us for every request for amendment or reversal whether or not successful. For amendments or reversals involving the amount to be transferred, a refund of the Transaction Amount (or part thereof) including Transfer Fee may be made to you at BigPay’s sole and absolute discretion subject to there being no fault on your (or your Beneficiary’s) part in accordance with the “Cancellation and Refunds” section below. The exchange rate applied by BigPay will be notified to you on the Mobile App at the time of making your order to initiate a Transaction (“Original Rate”). If you do not agree to the exchange rate, please do not proceed with the Transaction.
Receiving Funds
The Remittance Services allow for Transactions whereby a Beneficiary may receive funds via the Beneficiary’s bank account with a licensed local bank in the jurisdiction of the Beneficiary or including cash physically at a business run by a member of the Partner Networks. If you select the option for physical collection, you are appointing your Beneficiary as your agent for the purpose of receiving funds transmitted through the Remittance Services. Beneficiaries will be required to prove their identities before receiving funds by presenting valid identification and may also be required to provide a reference number or another similar identifier associated with their Transactions. The release of funds to the Beneficiary is conditional upon satisfactory verification of the Beneficiary’s identity.
BigPay may send you in-app notifications via the BigPay App or through SMS messages to notify you that the Transaction has been completed. There may be charges associated with your mobile phone carrier in respect of such SMS messages which you are solely responsible for. As BigPay utilizes third-party gateways hosted by their respective telecommunication operators for forwarding such SMS messages, BigPay cannot guarantee you receipt (or timely receipt) of such SMS messages even if BigPay had sent them out. Such forwarding is the responsibility of third parties and BigPay is not responsible for any errors or malfunctions occurring outside of its control.
Validations and Delays
As part of our CDD requirements and security monitoring process, BigPay reserves the right to review or refuse to process any Transaction at any point in time in order to protect you and your funds and to ensure the validity, safety and security of your Account against money laundering, terrorism financing, fraudulent or illegal activities. As a provider of financial services, BigPay also plays an important role in the fight against financial crime, money laundering and terrorist financing activities and as a result, the Applicable Laws require us to obtain, verify and record personal and private information about our customers and to conduct periodic account reviews. These processes often include steps that involve additional verification and validation of identity, payment or funding sources and instructions, and of other Transaction information of both you and/or the Beneficiary which may require us to contact you further for the relevant information, causing delay in the processing of a Transaction until such verification and validation is satisfactorily completed.In the event that your Transaction order is subject to any process for additional verification and validation (including via the e-KYC process and AML compliance checks), your Transaction may be put on hold while we collect and confirm the source of the funds and complete the verification and validation process. Funds will be released to the Beneficiary as soon as the verification and validation process is successful.
It may also be possible that the bank which holds the Beneficiary’s account as indicated on your Transaction order refuses receipt of the funds for any reason. In such cases, we reserve the right to cancel the Transaction and due to timing issues, BigPay may not be made aware of such decline notices up to a week (or longer) after a Transaction is processed by BigPay and we attempt to disburse the funds to the account. You agree that BigPay is not liable or responsible in any way whatsoever for any delayed deposits, rejections or returns from any Beneficiary’s bank.
Note that BigPay reserves the discretion to refuse to process requests, orders or Transactions for certain individuals (be it you or your Beneficiary), including without limitation, individuals from sanctioned or high risk countries, individuals who have been blacklisted by any financial institutions, licensed banks, e-money issuers or remittance service providers (including the Partner Network) in MalaysiaSingapore or abroad, individuals who are included in our internal lists and the relevant money laundering and terrorism financing information sources, as well as global lists or databases provided by local or foreign authorities (including but not limited to Monetary Authority of Singapore.
Foreign Currencies
Disbursements of funds following the successful execution of a Transaction order will by default be made in the currency of the destination country. For example, where you submit a Transaction order through the BigPay App using your Account registered in Singapore (Available Balance held in SGD in this case) to a Beneficiary in Indonesia, the Transaction funds will be converted to Indonesian Rupiah (IDR) before being disbursed to the Beneficiary or the Beneficiary’s bank account. The amount to be converted is based on the Transaction Amount which you chose to remit as stated in your Transaction order. Currency conversions will occur each time you submit a Transaction order involving payout in a currency other than SGD. The exchange rate applied by BigPay will be the Original Rate and notified to you on the Mobile App at the time of making your order to initiate a Transaction.
Together with the Transaction Amount, the Transfer Fee and any other applicable fees and charges, the Original Rate that will be applied to your Transaction Amount and the total amount to be disbursed to the Beneficiary will be displayed for your confirmation and approval on the BigPay App prior to your confirmation and submission of a Transaction order. Such exchange rates are subject to change and may fluctuate several times daily. Accordingly, take note that the exchange rate displayed on the BigPay App may only be guaranteed for a limited time only until you have proceeded to make payment of the Transaction amount and the applicable fees, and received confirmation of payment from BigPay. If payment for a Transaction order occurs outside this time period or you have not received confirmation of payment from BigPay, the exchange rate may change, in which case you will have to confirm a new applicable exchange rate prior to providing payment for that Transaction. The currency is converted at the time payment for a Transaction is made and the Beneficiary can expect to receive the corresponding amount in foreign currency as shown for your confirmation and approval previously.
Fees and Charges
A Transfer Fee will be charged per Transaction order submitted through the Remittance Services. The Transfer Fee for domestic funds transfer is deducted from the Transaction Amount whilst the Transfer Fee for international cross border fund transfer is in addition to the Transaction Amount which you have elected to remit. There may also be other applicable fees that we may charge directly or on behalf of the Partner Network or due to regulatory requirements. Where possible, the full amount to be debited from the Available Balance in your Account in respect of each Transaction and the applicable charges will be made known and displayed on the BigPay App prior to your submission of a Transaction order. For the list of applicable fees and charges, please refer to the ‘Fees and Charges’ section on the Mobile App and Website. Please read the “Fee and Charges” section on the Mobile App and/or Website before you make an order for any Transaction so you are aware of the fees applicable, including any revisions or updates to the same from time to time. Unless otherwise stated, all fees and charges are reflected and due in SGD.
While BigPay is committed to providing a transparent service at all times, there may be some costs which BigPay may be unware of that you or the Beneficiary may incur as a result of using the Remittance Services. For example, transfers to certain countries or by certain methods may be subject to local taxes (i.e. taxes or charges payable in the destination country) and other service charges, or bank or administrative charges. There may also be other fees and charges (including bank or administrative charges) incurred by the Beneficiary for receipt of funds via account-based money transfers or to a bank account or otherwise, including in the event any refunds are required to be made to the Sender in the event the funds are rejected by the Beneficiary’s bank account or cannot be remitted to the Beneficiary or the Beneficiary’s bank account for whatever reason. Other than the fees and charges notified by BigPay to you, BigPay is not responsible to you or the Beneficiary for fees that may be imposed by other third parties, Partner Networks and financial institutions (including bank or administrative charges) associated with your Transactions.
You are responsible to pay all fees due to complete the money transfer unless Applicable Laws in the destination country requires otherwise. By using the Remittance Services, you agree to pay such Fees and Charges to BigPay as made known to you at the point of your submission of a Transaction order. By submitting a Transaction order, you authorize BigPay to debit the Available Balance in your Account with BigPay for the full amount of the Transaction (including the Transfer Fee and other fees and charges as may be applicable) as made known to you at the point of your submission of a Transaction order. You understand and acknowledge that BigPay has no obligation to process or complete a submitted Transaction order if BigPay is unable for any reason to obtain authorization or settlement of the funds from debiting your Account for the full amount required for the requested Transaction.
In general, payment is due from you at the time you submit a Transaction order on the BigPay App. If you submit a Transaction that results in us being charged non-sufficient fund fees, chargeback fees, or other similar fees, you agree to reimburse us for all such fees plus any applicable service fee levied by BigPay and authorize us to debit your Account for the full amount of any of the foregoing fees. There may be particular instances (on a case by case basis) that we are able to waive these additional fees in situations where you are able to conclusively prove that the Transaction was not authorized by you; however, such waiver will not be extended to situations where (i) you remove funds from your Account after submitting a Transaction order; (ii) you acted suspiciously or fraudulently; (iii) your Account security has been compromised and you failed to inform us promptly; or (iv) you have used the Remittance Services for any improper purpose, including but not limited to, money laundering, terrorism financing, fraudulent or any other unlawful activities. BigPay reserves the right to amend the fees and charges applicable to its Remittance Services at any time with or without notice to you. Any amendments to the fees and charges will be posted to the Fees and Charges section on the Mobile App and Website. The revised fees and charges will take effect upon posting of the same.
Note that any act or omission of BigPay in relation to any steps to be taken as set out above does not make BigPay liable to you for any revisions to the fees and charges or the applicability of the revised fees once posted. In addition and notwithstanding the foregoing, advance notice of any change may not be given if it is necessary to make any such change immediately. The use of the Remittance Service or continued use of the Remittance Service by you after the effective date or posting of any revision, substitution or change of any fees and charges shall be deemed to constitute your acceptance of such revision or change without reservation by you. If you do not accept the revised fees and charges, your only remedy is to stop using the Remittance Services.
Cancellations and Refunds
Generally, once a Transaction order is submitted, it cannot be cancelled or amended. If you do make a request to cancel an order or Transaction that has already been authorized by you, such cancellation is not guaranteed by us and may not be approved. Any orders or Transactions will only be cancelled if your request for cancellation is received and able to be acted upon before the order or Transaction has been executed by us and/or the Partner Network.
In the event of any cancellations, refunds of the Transaction Amount or Transfer Fee or any other applicable fees and charges will only be made under the following scenarios:
Full Refund (of Transaction Amount and Transfer Fee): For cancellations strictly due to no fault of you and/or the Beneficiary.
Partial Refund (of Transaction Amount only): For cancellations due to fault of you and/or the Beneficiary, including but not limited to, an error made by you during confirmation of an order or the Transaction or where there was an error in any information submitted by you (including in respect of personal details, bank account details or any other required information pertaining to the Beneficiary) which resulted in the funds being rejected by the Beneficiary’s bank. This also includes situations where a valid Transaction order is unable to be completed for reasons due to (i) no fault of BigPay; (ii) insufficient funds in the Account; (iii) the Beneficiary, Partner Networks or any related party (including a Beneficiary’s bank) refuses to accept your transfer; (iv) your funds or the Transaction is subject to legal processes or other encumbrances restricting the completion of the Transaction; or (iv) you have provided incorrect or incomplete information in respect of the Transaction to us.
No Refund:
Where your use of the Remittance Service is in breach of the Remittance Terms and Conditions by you or the Beneficiary;
where you (or your Beneficiary) are found to be from a sanctioned or high risk countries, where you (or your Beneficiary) have been blacklisted by any financial institutions, licensed banks, e-money issuers or remittance service providers (including the Partner Networks) in Singapore or abroad, are included in our own internal lists and the relevant money laundering and terrorism financing information sources, as well as global lists or databases provided by local or foreign authorities and/or such other lists as may be issued from time to time by the relevant government agencies;
where you have acted fraudulently; or
where you have intentionally or negligently compromised the security of your Account or failed to keep the details you use to access the Account secure.
The cut-off period for all refund requests is thirty (30) days from the date that the Transaction order is processed by us. BigPay will not entertain any claim for refunds pass that.
The information provided under this section is for informational purposes only. It is not intended to represent an undertaking or obligation by BigPay to process any request for cancellations or to limit the instances in which BigPay may choose to allow or disallow refunds in any given Transaction or to any particular user. Notwithstanding the foregoing, as a general rule, no cancellations or refunds will be available to you other than in the scenarios provided above. Beneficiaries are not eligible to request for cancellation or to receive any refunds in relation to any Transaction.
Where possible, BigPay will try to grant approved refunds to you in a timely manner but in any event no later than five (5) business days. However, exceptions may occur due to extraneous circumstances or where depending on Partner Networks or Beneficiary bank and you agree that BigPay will not be held liable or responsible for any delays whatsoever due to no fault of ours.
Please be aware that a refund of any amount will only be by way of a credit into the Sender’s Account submitting the Transaction order that the funds were originally debited from. BigPay will not entertain any request for refunds by way of cash or any other method of payment. For refunds in connection with the Transaction Amounts that involve currency exchanges, the amount refunded will first be subject to a reverse-exchange from the currency to be disbursed back into the currency held by the Account used for the Transaction at the Original Rate.
Contacting Us
Should you have any questions in respect of your Transactions, issues, complaints or other general enquiries in respect of the Service, you may contact us by sending us an in-app message in the Help section of the BigPay App or contact our customer service team via the contact details stated in the BigPay App.
Security
BigPay treats the security of your Account with utmost priority and to this end, we use a variety of security measures to make sure that your Account is secure. However, it is your responsibility to ensure that your Account is kept safe from unauthorized access and attempts to use it for fraudulent purposes at all times. You must ensure that you do not share access of your Account with any person other than yourself and keep your login details safe. It is your responsibility to keep your Account secure and be responsible for Transactions carried out using your Account. You should never conduct any Transactions on behalf of any third parties or allow any other individual to conduct a Transaction on your behalf. You should never use the BigPay App or submit any Transactions on a ‘jailbroken’, ‘rooted’ or otherwise modified device. In addition, you must only download or use the BigPay App on mobile devices installed with the latest and most secured operating system(s) available for the mobile device. If you find or suspect any unauthorized use of your Account or any other security breach, you must notify us immediately using any of the contact methods provided above so that we can take all the necessary steps to prevent further unauthorized use.
Where you have notified us, or we reasonably believe that your Account has been compromised, we may stop, block or suspend your access to and use of your Account and/or the Remittance Services. We also have the right to disable or change any user name or password (if possible), whether chosen by you or provided by us to ensure the security of the Account, in our sole discretion. Note that any act or omission of BigPay in relation to any steps to be taken as set out above does not make BigPay liable to you for any loss or damage arising from the result of your failure to keep your Account secure and notifying us of the same.
If you believe that a Transaction was made without your authorization, you must contact us immediately. We will conduct an investigation and may provide refunds of unauthorized Transactions unless the Transactions fall under any of the scenarios listed in the “Cancellations and Refunds” section above.
If our investigations result in any special circumstances deviating from the above and affect the outcome of your liability and/or eligibility for a refund, we will notify you. Note that we have no responsibility towards you for any loss caused by unauthorized access prior to you notifying us. A charge may also be applied for any refund request if the unauthorised use, loss, theft or misuse of the Account was caused by your error, carelessness or negligence.
In cases where we have reason to believe that you have acted suspiciously or fraudulently, we may decide not to allow any refund to you, investigate the circumstances further or even forward the matter to law enforcement authorities, including Monetary Authority of Singapore. If an investigation (whether by us or the authorities) results in a finding of fraud by you, we may charge you for costs incurred by us in carrying out such investigation and further deduct these monies from your Account.
We recommend that you consider all factors carefully prior to transferring money to anyone that you do not know well. In particular, you should be cautious of deals or offers that seem too good to be true. If you think you have been or might be a victim of fraud, please contact us immediately.
We also regularly monitor the apps distribution platforms and will report fake mobile applications to the app distribution platforms for their further action to prevent such fake mobile applications from being made available for download by users. We also monitor sources identifying fake/phishing websites and will take the necessary action to report the same to the appropriate parties (overseeing or hosting these sites) for the same to be taken down in order to safeguard users from falling prey to scams or fraud sites guising as BigPay’s official website. In any event, users can validate the authenticity of BigPay’s Mobile App through Apple’s App Store and Google’s Play Store, as the mobile application is signed by the Big Pay developer account. Notwithstanding, you must only download the BigPay App from either Apple’s App Store or Google’s Play Store. You must not download the BigPay App from any other app sites, websites or app forums as they will probably be fake or phishing sites which we do not authorize or approve to publish the BigPay App.
Please read the ‘Security Alert’ provided under the ‘Security & Legal’ page on the BigPay App for further awareness on online transaction risks.
Communications
You acknowledge that these Remittance Terms and Conditions shall be entered into by you electronically, and that the following categories of information ("Electronic Communications") may be provided by electronic means: (i) these Remittance Terms and Conditions and any amendments, modifications or supplements to it; (ii) your Transactions records; (iii) any initial, periodic or other disclosures or notices provided in connection with the Remittance Service, including without limitation those required by Applicable Laws; (iv) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the service; and (v) any other communication related to the Remittance Services and/or your Account.
Electronic Communications may also be provided to you through the use of auto-dialled or pre-recorded message calls or SMS messages at the telephone number(s) that you provide us with. We may contact you or your Beneficiary directly and we may share your (and your Beneficiary’s) phone number with our service providers (including the Partner Networks) with whom we contract to provide such Electronic Communications. Standard telephone minute and text charges may apply. The hardware and software requirements for access to and retention of the Electronic Communications associated with the Remittance Services include a mobile or other similar device which is capable of accessing the Internet; an Internet Web Browser; and a printer or other device capable of printing and/or retaining agreements and documents.
Unless otherwise stated, the Remittance Services do not allow for Electronic Communications to be provided in paper format or through other non-electronic means. You may withdraw your consent to receive Electronic Communications electronically, but if you do, you may lose your eligibility to use the Remittance Services. In order to withdraw your consent, you must contact us using our contact information provided in these Remittance Terms and Conditions.
Notwithstanding the above, we shall be entitled from time to time to contact you via Electronic Communications or via telephone correspondence, and/or any other means of exchange communication in respect of, but not limited to, the confirmation of Transactions, whether or not you transacted the same, in relation to your Account, communication on promotions (and promotional items) for the Remittance Services and for any other matters relating to the Service. We shall be entitled to send you offers, promotional and marketing materials with regards the Remittance Services from time to time unless you expressly inform us that you do not wish to receive them.
Partner Networks shall also be entitled to contact you or your Beneficiary via Electronic Communications or via telephone correspondence and/or any other means of exchange communication, in respect of, but not limited to, the confirmation of Transactions, whether or not you transacted the same, any information in relation to you or your Beneficiary, including your Beneficiary’s bank account details, informing you or your Beneficiary once the Transaction is completed or when funds are available in the Beneficiary’s bank account or for collection by the Beneficiary or for any other matters relating to the processing, disbursement and pay -out of funds or any other acts incidental to the processing and completion of the Transactions in the destination country as identified in your Transaction order.
Intellectual Property
You agree that the BigPay App, the Remittance Services and the entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof and any software used on the BigPay App and in respect of the Remittance Services) are owned by BigPay and are protected by international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws (the "Intellectual Property"). You agree to observe and comply with all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.
You are granted a non-exclusive, non-transferable, revocable license to access and use the BigPay App and Remittance Services strictly in accordance with these Remittance Terms and Conditions. As a condition of your use of the BigPay App and Remittance Services, you undertake and warrant to us that you will not use the BigPay App and Remittance Services for any purpose that is unlawful or prohibited by these Remittance Terms and Conditions. You shall not use the BigPay App and Remittance Services in any manner that is liable to (i) harass, abuse, stalk, threaten, defame or otherwise infringe or violate the rights of any party; or, (ii) be unlawful, fraudulent, deceptive or otherwise violates any applicable law, statute, ordinance or regulation. In using the BigPay App and Remittance Services, you shall not (ii) use technology or other means of access that is not authorized by BigPay; (ii) use or launch any automated system, including without limitation, “robots,” “spiders,” or “offline readers” while using the BigPay App; (iii) attempt to introduce viruses or any other computer code, files or programs that interrupt, destroy or limit the functionality of the BigPay App; (iv) attempt to gain unauthorized access to BigPay’s network or user accounts; (v) encourage conduct that would constitute a criminal offense, or that gives rise to civil liability; (vi) violate these Remittance Terms and Conditions; (vii) attempt to damage, disable, overburden, or impair our servers or networks or otherwise attempts to interfere with the proper working of the BigPay App; (ix) use the BigPay app in any way liable to make us lose any of the services from any of our service providers or the Partner Networks; and
modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit the BigPay App or the Intellectual Property in whole or in part. You will use the Intellectual Property solely for your personal use, and will make no other use without the express written permission of BigPay. Any rights not expressly granted in these Remittance Terms and Conditions are reserved by BigPay.
BigPay’s Responsibility for the Remittance Services
You acknowledge and agree that BigPay has no responsibility or liability to you in respect of:
goods or services which you may pay for using the Remittance Services (including of their delivery, performance, merchantability or fitness for purpose);
malfunctions in any communication facilities over which we have no control including in respect of your mobile device;
the loss of data or the delay in transmissions caused by using an Internet service provider or a browser or other software over which we have no control;
the services provided by any of your service providers in which you may use the Remittance Services through or with
viruses originating from third parties;
errors on the BigPay App and/or Remittance Services that are the result of incomplete, erroneous or wrong information that you or a third party (including your Beneficiary) provided;
the unauthorised use or interception of information prior to reaching the BigPay App;
the unauthorised use of or unauthorised access to your Account or any data in connection with you or your Transactions which we process unless such use or such access is the result of negligence of BigPay;
any use by you of the BigPay App and/or Remittance Services in breach of these Remittance Terms and Conditions; and
any action that BigPay make take against you for breach of these Remittance Terms and Conditions, including blocking, suspending or terminating a Transaction and/or your Account (including the Beneficiary’s account, if applicable).
Nothing in these Remittance Terms and Conditions obliges BigPay to accept or execute any Transaction order, amendment or cancellation thereof, and we shall be deemed to have accepted a Transaction order or its amendment or cancellation only upon execution by us of the same. We may reject or refuse to accept or execute a transfer request at our sole discretion, including where (a) the designated Account does not contain sufficient funds; (b) the Beneficiary’s account number that you provide on the Transaction order does not correspond to any known account or individual; (c) you have made an error or provided inaccurate or misleading information (whether in respect of yourself or the Beneficiary); (d) where you have made an error during confirmation of an order or the Transaction; the Transaction order is not authorized or does not comply with Applicable Laws or any security procedures; (f) where you (or the Beneficiary) have breached the Remittance Terms and Conditions; (g) BigPay reserves the discretion to refuse to process requests, orders or Transactions for certain individuals (be it you or your Beneficiary), including without limitation, individuals from sanctioned or high risk countries, individuals who have been blacklisted by any financial institutions, licensed banks, e-money issuers or remittance service providers (including the Partner Network) in Singapore or abroad, individuals who are included in our internal lists and the relevant money laundering and terrorism financing information sources, as well as global lists or databases provided by local or foreign.
We do not assume any liability for loss or damages caused to you or any third party from the non-payment or late payment of a Transaction to a Beneficiary or if the Remittance Services fail or if we decline to execute a Transaction order for any reason including as set out in these Remittance Terms and Conditions.
Disclosure
You further acknowledge and agree that in order for us to provide you with the Service, the sharing, transfer, retrieval, updating and processing of your (and your Beneficiary’s) personal information may occur between BigPay, our parent, subsidiaries, associates, related corporations and affiliates, our licensees, assignees, proposed assignees, agents, vendors, service providers (including Partner Networks), merchants, strategic partners, commercial partners, third party contractors, any regulatory authorities (including Monetary Authority of Singapore and such other authorities or bodies having jurisdiction over us), card or payment network operators, and any other parties engaged by us to enable or assist us in the provision of the Service to you or to exercise or enforce our rights hereunder and/or any other party whomsoever as we may, to the extent at our sole and absolute discretion deem fit and necessary, within and beyond Singapore, as stated in our Privacy Policy and you have consented to the same; and that you have read, understood and accepted all the terms and conditions contained in this Agreement and in connection with the use of the Service, and that they are legally binding on you. You may refer to our Privacy Policy on the Mobile Application and/or Website.
If we do not have your (or the Beneficiary’s) personal information, or you choose not to share or disclose any information that we may require, we may not be able to provide or continue to provide you with the Remittance Services and we will not be obliged, responsible or held liable for the failure to provide the same (and/or any disputes in relation thereto).
Any disclosure by us of your (or your Beneficiary’s) information as set forth herein shall not render us liable to you or the Beneficiary for any claim, loss, damage (including direct or indirect damages or loss of profits or savings) or liability howsoever arising whether in contract, negligence, or any other basis arising from or in relation to: the release or disclosure of the information by us; and/or the information being incorrect, erroneous or misstated; and/or reliance on the information, whether caused by us or other third party’s misstatement, omission, negligence or default or by technical, hardware or software failures of any kind, interruption, error, omission, viruses, delay in updating or notifying any changes in the information or otherwise howsoever.
Disclaimer of Warranties
The BigPay App and the Remittance Services (including any content made available through the foregoing) are provided on an “as is” basis and any access or service obtained by you through the BigPay App and the Remittance Services is at your own risk. BigPay disclaims all warranties, guarantees and conditions of any kind, whether expressed, implied or statutory, including all implied warranties, guarantees and conditions of merchantability, fitness for a particular purpose and non-infringement. BigPay does not warrant that the functions contained in the BigPay App or the Remittance Services will meet your requirements or that their operation will be uninterrupted, error free or free from viruses or any other component that might cause damage to your property or device, or that defects or errors in the BigPay App, the Remittance Services, the network or any content provided or made available to you via any of the foregoing will be corrected. Your sole remedy for any surviving warranties shall be to cease usage of the BigPay App, the Remittance Services, the network and/or any content or to promptly notify BigPay of any such deficiency so that BigPay may correct such deficiency to the extent practical as reasonably determined by BigPay.
Neither BigPay, the Partner Networks nor any other person associated with BigPay makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy or availability of the Remittance Services or any information provided in respect of the Remittance Services. Save for any warranties that cannot be excluded or limited under law, BigPay hereby disclaims all warranties of any kind, either expressed or implied, statutory or otherwise.
Limitation of Liability
BigPay is only liable to you for the proper execution of any valid Transaction order that we accepted in accordance with these Remittance Terms and Conditions. In the event that execution of any valid Transaction order is unable to be completed due to BigPay’s fault, we will process a refund (of the Transaction Amount and the Transfer Fee) in accordance with the refund provisions under these Remittance Terms and Conditions. This expressly excludes situations stated in the ‘Cancellations and Refunds’ section of these Terms and Conditions.
Except as otherwise required by law, BigPay’s entire liability to you where due to BigPay’s fault is limited to the dollar amount (in SGD) showing on the Transaction receipt for that particular Transaction which includes the Transaction amount and may include the Transfer Fee and such other applicable fees and charges (unless not allowed under the “Cancellation and Refunds” section above). Except as expressly provided in these Remittance Terms and Conditions, in no event shall BigPay and/or its Partner Networks and other service providers be liable for any direct, indirect, punitive, incidental, special or consequential damages or any damages whatsoever including without limitation, damages arising out of or in connection with any (a) loss of use, data or profits; (b) performance or any delays of the BigPay App or Remittance Services; (c) provision of or failure to provide access or use of the BigPay App or Remittance Services; (d) information, software, products, services and related graphics or other materials obtained through the BigPay App; or (e) use of the site, whether based on contract, tort, negligence, strict liability or otherwise, even if BigPay, the Partner Networks or any of its service providers have been advised of the possibility of damages. Your sole remedy other than that as expressly provided in these Remittance Terms and Conditions is to discontinue using the BigPay App or Remittance Services.
Notwithstanding the foregoing, you remain responsible for any chargeback, claim, reversal, fee, fine, penalty and other liability incurred by us, another user of the Remittance Services, or a third party caused by or arising out of your breach of these Remittance Terms and Conditions and/or your use of the Service. You agree to reimburse us, other users, or a third party for any and all such liability. Nothing herein these Remittance Terms and Conditions shall affect any liability that cannot be excluded or limited under applicable law.
Indemnities
You agree to indemnify, defend and hold BigPay and its respective affiliates, related corporations, officers, employees, agents, contractors, representatives, its suppliers, vendors, service providers, the Partner Networks and other related parties involved in the provision, processing and/or execution of the Service harmless from and against any claims, losses, damages, judgments, awards, costs, liabilities, expenses or fees (including without limitation reasonable attorneys’ fees) arising out of or in connection with your breach (or your Beneficiary’s) of these Remittance Terms and Conditions or your use of the BigPay App and/or Remittance Services, of any Applicable Laws, or violation of any rights of a third party (including that of any Beneficiary) including your use of any information or content obtained from or through your use of the BigPay App and the Remittance Services other than expressly permitted by these Remittance Terms and Conditions or of your negligence, fraud or wilful misconduct.
BigPay reserves the right, at its own cost, to assume control of any defence or any other matter otherwise subject to indemnification by you, in which event you shall cooperate fully with BigPay in asserting such available defences as elected by BigPay in its reasonable discretion.
Waivers
Our acceptance of any terms or payments or any waiver by us of our rights or any indulgence granted to you shall not operate to prevent us from enforcing any of our rights hereunder these Remittance Terms and Conditions nor shall such acceptance operate as consent to the modification of any of the terms of these Remittance Terms and Conditions in any respect nor shall such waiver of rights affect our other legal rights. The rights and remedies provided in these Remittance Terms and Conditions are cumulative and not exclusive of any rights or remedies provided by law.
Severability of Provisions
If any of the provisions of these Remittance Terms and Conditions becomes or is determined to be invalid, illegal or unenforceable in any respect under any law, rule or regulation, the remaining terms of this Agreement shall not be affected, and all other provisions of these Remittance Terms and Conditions will still be valid and enforceable and these Remittance Terms and Conditions shall be interpreted as if the invalid terms had not been included in these Remittance Terms and Conditions.
Modifications to Remittance Services and Terms and Conditions
BigPay reserves the right to revise, suspend, withdraw or terminate the Remittance Services (in whole or in part), any feature, function, or material and/or information we provide in respect of the Remittance Services, in our sole and absolute discretion and with or without notice except as otherwise required by law. BigPay will not be liable for any reason even if all or any part of the Remittance Services become unavailable at any time or for any period. From time to time, we may restrict access, in our sole and absolute discretion to the Remittance Services (or any part thereof) to all or certain users.
BigPay also reserves the right to vary, revise, change, amend, withdraw, substitute or remove any of the terms and conditions of this Agreement at any time by posting a revised version on the BigPay App or our Website or through any other communication channels that we maintain for the purposes of providing the Remittance Services. The most current version of these Remittance Terms and Conditions will supersede all previous versions and are effective at the time we post them. We encourage you to periodically review our agreements to stay informed of our updates and to take notice of any changes we make, as they are binding on you. We may provide you with notice regarding material upcoming changes to these Remittance Terms and Conditions by email, SMS or notification on the BigPay App. You agree that your continued use of the Remittance Services following the posting of any revision to these Remittance Terms and Conditions constitutes your unconditional acceptance to the Remittance Terms and Conditions as applicable to the Remittance Services from time to time in effect.
Entire Agreement
These Remittance Terms and Conditions, together with our Privacy Policy and your Transaction receipt for any Transaction constitutes the sole and entire agreement between you and BigPay with respect to the Remittance Services and the Transactions, and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Remittance Services.
Assignment and Successors
We shall be entitled at any time without your consent assign the whole or any part of our rights or obligations under these Remittance Terms and Conditions with or without notice to you. You shall not assign any of your rights and obligations under these Remittance Terms and Conditions without our prior written consent. These Remittance Terms and Conditions shall be binding upon and inure to the benefit of your respective successors in title.
Governing Law and Jurisdiction
This Agreement is a contract made under the laws of Singapore and shall be governed by and construed in accordance with the laws of Singapore. You consent and agree to submit to the exclusive jurisdiction of the courts of Singapore concerning all matters arising out of or in connection with your use of the Remittance Services under these Remittance Terms and Conditions.
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Privacy Policy
PRIVACY POLICY
1. GENERAL
1.1 This Privacy Policy (“Privacy Policy”) is issued by BigPay Singapore Pte Ltd (“BigPay”) with respect to the provision of financial services including the issuance of the prepaid products and/or provision of services by BigPay (collectively referred to as “we”, “our” and “us”).
1.2 This Privacy Policy describes how and when we collect your personal information, what that information may be used for, who uses it, when it may be disclosed to other parties, how you can access your details and seek correction of your details, the control of your own personal information and how you can contact us.
1.3 By using our mobile application (“Mobile App”), visiting our website at www.bigpayme.com, applying for, registering and/or subscribing for any of our services and/or products, you are deemed to have read and agreed to be bound by this Privacy Policy.
2. NOTICE
2.1 This Privacy Policy also serves as a notice to you on how BigPay intends to use and protect your personal information in compliance with the Personal Data Protection Act 2012 (No. 26 of 2012) of Singapore (the “PDPA”).
2.2 We may modify, vary or update this Privacy Policy from time to time to reflect any changes to our privacy practices. We will notify you of these changes to our Privacy Policy on our mobile application (“Mobile App”) or on our website at (“Website”). In any case, an updated version of this Privacy Policy is always available on Mobile App or our Website at all times. Please check our Mobile App or Website regularly for updates to our Privacy Policy.
3. INFORMATION COLLECTION AND USE
3.1 We may collect and hold personal information/data (“Personal Information”) about you or someone else whom you have provided us with information of (“Third Party”), that is, information that can identify you or such Third Party, including without limitation full name, date of birth, gender, nationality, postal and email address, mobile number, other contact details, identification details (including but not limited to NRIC or passport), payment details, financial details (including source of funds) and other information relevant to us providing you with the services you and/or the Third Party are, or someone else you know is, seeking, which we receive from you through our Mobile App, Website, customer service centre, social media sites, walk-in or distribution channels and other distribution channels. You represent and warrant that you have obtained the consent of such Third Party or are otherwise entitled to provide us with their Personal Information and to view or change their information. You agree to indemnify us in the event we suffer any loss or damage as a result of your failure to comply with the same. The list of Personal Information stated above is not exhaustive and may include other personal information depending on the nature of the services or transactions.
3.2 You are responsible for ensuring that the Personal Information you provide us is accurate, complete and not misleading and that such Personal Information is kept up to date.
3.3 We may collect Personal Information in one or more of the following circumstances or for one or more of the following purposes (collectively referred to as “Purposes”) and you hereby consent to the processing by us of your Personal Information in accordance with the Purposes as set forth below:
to provide you with products and/or services which you have subscribed for and to notify you about important changes or developments to the features;
to facilitate your registration and/or application for the BigPay card;
to enable the sharing, transfer, retrieval, updating and processing of your personal information and data as well as creation of member profile and user accounts between our related corporations, affiliates, parent, sister companies (including but not limited to, AirAsia and its respective group companies, related corporations, sister companies, affiliates, subsidiaries, associates, where applicable) to enable you to receive and enjoy the services, benefits and privileges related to the BigPay card;
to enable the sharing, disclosure, transfer, retrieval, updating and/or processing of Personal Information with our contractors, vendors, service providers, partner networks, licensees, advisors, merchants and/or strategic partners in order to provide you the products and/or services and benefits and privileges in relation thereto;
to enable the processing of your personal information to administer and enable the continuous operation of your BigPay card account and the provision of the services, features, functionalities and/or privileges in relation to the BigPay card to you;.
to send you information on products and services, and special promotional offers, newsletters or customer survey forms and questionnaires;
to provide you with information on any programs (e.g. loyalty programs where applicable ) or transactions you have undertaken;
to process your payment transactions and for other operational and administrative purposes, including without limitation, sending you notifications, and managing your account,
updating and managing the accuracy of our records; prevention, detection or prosecution of crime, and complying with legal and regulatory obligations;
assessment and analysis behaviour scoring, market, product and trend analysis and market research (if any);
to conduct internal activities, administrative, operational, marketing, planning, product, technology or service development, troubleshooting and/or research requirements;
to administer your participation in contests or campaigns that we may run from time to time;
to provide you with information on products and services of BigPay and our related corporations, affiliates, subsidiaries and associates where applicable;
to provide you with information on products and services of our business partners where applicable;
cross selling, marketing and promotions including administering offers and competitions;
communications and ensuring customer satisfaction, which may include conducting surveys to improve the quality of our products and services, responding to inquiries and complaints and to generally resolve disputes or to enforce our terms and conditions, including the terms and conditions relating to the products and/or services;
maintaining your card account history for present and future reference (as and where required);
enabling an actual or proposed assignee of BigPay, or participant or sub-participant of BigPay to evaluate your information, account, transactions which are intended to be the subject of the assignment, participation or sub-participation (if any);
protecting BigPay’s interests and for other ancillary or related purposes;
for such other purposes as set out in any other terms and conditions (including product terms and conditions) and campaign terms and conditions (if applicable); and
for any purpose made known to you at the time of collection of your personal information.
3.4 At any time you may opt-out of receiving marketing communications from us by contacting us (see the CONTACT US section below) and we will ensure that your name is removed from our mailing list.
3.5 We use general, aggregated information to generate statistics and measure site activity to improve the usefulness of customer visits. Such information does not include Personal Information.
3.6 Please take note that if required for the foregoing Purposes, your Personal Information may be transferred to locations outside Singapore.
3.7 We may disclose your Personal Information to:
a. our related corporations, parent, affiliates, subsidiaries, associates, sister companies, contractors, vendors, service providers, licensees, advisors, merchants, strategic partners, third party contractors, whether located within or outside Singapore for the Purposes;
b. payment network operators (including MasterCard or Visa), governmental agencies, regulatory authorities (including the Monetary Authority of Singapore ), enforcement agencies, whether located within or outside Singapore for the Purposes.
Your Personal Information may also be disclosed to other third parties with whom we have commercial relationships, for marketing, advertising and related purposes, unless you have indicated that you do not wish for us to disclose to such third parties for marketing and advertising purposes, and as required or authorised under law or provided in co-operation with any governmental authority.
3.8 Please note that it is necessary for BigPay to process your personal information for the Purposes, and without which BigPay will not be able to provide the BigPay card or any product and/or service that you have requested from BigPay or to perform and/or carry out any of the abovementioned Purposes. If you fail or decline to provide us with Personal Information stated in paragraph 3.1 above, we may not be able to perform and/or carry out any of the Purposes and may need to terminate any product and/or service provided to you. In some circumstances, you may have provided personal and financial information relating to others (e.g. joint-applicant, spouse, related parties and/or emergency contact persons) for the Purposes. In such cases, you represent and warrant that you had or have their consent or are otherwise entitled to provide their information to BigPay.
4. MARKETING AND PROMOTIONAL COMMUNICATIONS
4.1 We may use the Personal Information provided to send you information on products and services, and special or promotional offers, newsletters or customer survey forms and questionnaires unless you have indicated that you do not wish to receive such materials.
4.2 You may opt out of receiving any communications from us at any time by clicking on the unsubscribe option in the Mobile App Settings or contact us with your request (see the CONTACT US section below).
5. SECURITY OF YOUR PERSONAL INFORMATION
5.1 We will take reasonable steps to protect any Personal Information we receive from you via our Mobile App or Website from misuse and loss and from unauthorised access, modification or disclosure. We may hold your information in either electronic or hard copy form or retain third parties to hold that information on our behalf. Where required by applicable laws, Personal Information will be destroyed or de-identified when no longer needed.
5.2 By providing us with Personal Information or using our services on our Mobile App or Website, you consent to the transfer, storage and processing of Personal Information to where our (or our contractors, vendors and/or service providers) servers, database(s) and/or system facilities are located and/or operated, which may be outside your country of domicile or the location where you access our Mobile App or Website to provide Personal Information, and which may include, among others, Malaysia, Singapore, India, the United States, the United Kingdom and the European Union.
5.3 However as the Website and Mobile App is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us and you do so at your own risk.
6. LINKS TO OTHER APPLICATIONS AND WEBSITES
Our Mobile App and Website may contain links to websites or applications operated by third parties (“Third Party Applications or Websites”). We are not responsible for the privacy practices or the content of Third Party Applications or Websites. Third Party Applications and Websites are responsible for informing you about their own privacy practices.
7. ACCESS AND CORRECTION
7.1 You may request access to any Personal Information we hold about you or any Third Party whose Personal Information you had provided at any time by contacting us (see the CONTACT US section below). Where we hold information that you are entitled to access, we will endeavour to provide you with suitable means of accessing it (e.g. by emailing or mailing it to you).
7.2 If you believe that Personal Information we hold about you is incorrect, incomplete or inaccurate, then you may request to amend it. We will consider if the information requires amendment. If we do not agree that there are grounds for amendment then we will add a note to the Personal Information stating that you disagree with it. You may also, at any time hereafter, request, in writing, to limit the processing of your Personal Information (including personal data of others provided by you).
7.3 You may at any time make written inquiries and, upon payment of a prescribed fee, request, in writing, for access to, or correction of, your Personal Information or limit the processing thereof (including personal data of others provided by you) . In accordance with the PDPA, and to the extent not limited by any other applicable law (if applicable), we may:
a. charge a fee for processing your request for access or correction to the Personal Information; and
b. refuse to comply with your request for correction to the Personal Information and give you a reason for our refusal.
8. COOKIES
8.1 We may use cookies in our Website or Mobile App to:-
(a.) maintain your session and required details during the application, subscription, registration process and during transactions (session cookie);
(b.) collect online usage data for statistical/analytics purposes (analytics cookie); and
(c.) direct you to the correct landing page based on your geo-location (geo-targeting cookie).
8.2 You may instruct your browser, by changing its setting, to stop accepting cookies or to prompt you before accepting a cookie from the websites that you visit. Our Website or Mobile App will not function properly if the cookie setting is disabled.
9. CONTACT US
If you have any questions about our Privacy Policy, or any concerns or a complaint regarding the treatment of your privacy by us pursuant to the PDPA, please contact us via registered mail or email (which must be sent from your email address that you registered with us) at:-
BigPay Singapore Pte Ltd
c/o PDPA_Legal
80, Robinson Road #02-00
Singapore 068898
Email: pdpa.admin@bigpayme.com
10. MISCELLANOUS
In the event of any inconsistency between the English version and other language versions of this Privacy Policy, the terms of this English version shall prevail.
Security Alert
SECURITY ALERT
INTRODUCTION
BigPay (“BigPay”, “we” or “us”) is committed to ensuring that all transactions performed online is secure, safe and confidential. We have made it a point to reinforce our systems with safeguards to preserve a secure environment for you to carry out your transactions and now wish to provide you with safety precautions that are practical, effective and in certain instances obligatory for online and overseas usage of your card.
We treat the security of your account with utmost priority and to this end, we use a variety of security measures to make sure that your account is secure. However, it is your responsibility to ensure that your account is kept safe from unauthorized access and attempts to use it for fraudulent purposes at all times. You must ensure that you do not share access of your account with any person other than yourself and keep your login details safe. It is your responsibility to keep your account secure and be responsible for transactions carried out using your account. You should never conduct any transactions on behalf of any third parties or allow any other individual to conduct a transaction on your behalf. You should never use the BigPay App or submit any transactions on a ‘jailbroken’, ‘rooted’ or otherwise modified device. In addition, you must only download or use the BigPay App on mobile devices installed with the latest and most secured operating system(s) available for the mobile device. If you find or suspect any unauthorized use of your account or any other security breach, you must notify us immediately using any of the contact methods provided so that we can take all the necessary steps to prevent further unauthorized use.
We also regularly monitor the apps distribution platforms and will report fake mobile applications to the app distribution platforms for their further action to prevent such fake mobile applications from being made available for download by users. We also monitor sources identifying fake/phishing websites and will take the necessary action to report the same to the appropriate parties (overseeing or hosting these sites) for the same to be taken down in order to safeguard users from falling prey to scams or fraud sites guising as BigPay’s official website.
In any event, you can always validate the authenticity of BigPay’s mobile app through Apple’s App Store and Google’s Play Store, as the mobile application is signed by the BigPay developer account. Notwithstanding, you must only download the BigPay app from either Apple’s App Store or Google’s Play Store. You must not download the BigPay app from any other app sites, websites or app forums as they will most probably be fake or phishing sites which we do not authorize or approve to publish the BigPay app.
PROTECT YOURSELF
In addition to our security measures you also play an important role in safeguarding your transactions made through your computer and mobile devices. We recommend that you do the things as listed below:-
1. Install anti-virus and anti-malware
Protect your devices from virus and malware by installing anti-virus and anti-malware software. To maximise your protection, update them regularly to make sure you always have the latest virus definition.
2. Avoid rooting or jailbreaking your mobile devices
It is not advisable to use a rooted or jailbroken device as they are more vulnerable to fraudulent attacks. A rooted or jailbroken device has minimal security, making it easier for a fraudster to gain access to your personal details and other information stored or transmitted through your device.
3. Install a personal firewall
Firewall software and/or hardware helps provide a protective shield between your computer/mobile devices and the Internet. This barrier can help prevent unauthorised people gaining access to your computer/mobile devices, reading information from it or placing viruses on it while you are connected to the Internet.
4. Install anti-spyware software
Spyware is a general term for hidden programs on your computer/mobile devices that track what you are doing on your computer/mobile devices. Spyware is often bundled together with file sharing, email virus checking or browser accelerator programs, and is installed on your computer/mobile devices without your knowledge to intercept information about you and your computer/mobile devices. The type of information gathered can include personal Internet usage, and in some instances, confidential data such as passwords. You can download and run a specialist program designed to help identify and remove threats from spyware. Like an anti-virus program, it also needs to be regularly updated in order to recognise the latest threats.
5. Keep your browser and operating system up-to-date
From time to time security weaknesses or bugs are found in browsers and operating systems. Usually 'Service Packs' are issued by the software company to make sure these are fixed as quickly as possible. You should make regular checks on your software vendor's website and apply any new security patches as soon as possible to ensure you have the most updated security features available.
6. Avoid running programs or opening email attachments from any source you do not know or trust
You should not install software or download any files from websites (e.g. programmes, games, and screensavers) that you aren't completely sure about. We also recommend that you scan all email attachments for viruses and avoid opening any from people or organisations that you do not know or trust. However, some viruses may forward infected emails to everyone in an address book, therefore you can also get an infected attachment from someone you know. If you are not sure what is in the attachment, do not open it.
7. Be cautious when using public or shared computers/networks
If you access your accounts using a computer in a cyber café, a library or your workplace, try to ensure the computer has the latest antivirus, firewall, antispyware and browser software installed. Although Wi-Fi is a convenient way for you to access the Internet, it is not advisable and we caution you against accessing your account via public Wi-Fi connection especially in public places like airports, hotels or shopping malls.
8. Be proactive
You should regularly be kept informed of your accounts by checking all transaction alerts in a timely manner and to check account balances on a regular basis to detect any unauthorised transaction, error or discrepancy and to report the same to BigPay in the event any unauthorised transaction, error or discrepancy is detected.
TYPES OF THREAT
Protect yourself from becoming a victim of online fraud. Listed here are the four major types of threat: -
1. Computer Viruses
Computer viruses are malicious software which are also known as malware that infect computer devices and perform harmful activities. It can be viruses, Trojans and spyware to “PC Optimization” programs that harm your devices, interfering with the system's operations, corrupting data, logging user's keystrokes and stealing private information.
2. Phishing Scam
“Phishing” is a type of identity theft where criminals blast emails to mass audience purportedly from BigPay in their malicious attempt to bait user into fake websites. It usually comes with a link that the user can click on which will direct the unsuspecting victim to a fake website and the user will be asked to disclose confidential or financial information, passwords, and credit card numbers along with highly confidential information. More often than not, the emails may imply a sense of urgency or serious consequences should the user did not respond to it. For example, it could be worded in such a manner that if no action is taken, the account will be suspended.
3. Phone Scam
This comes in the form of the phony disguises as BigPay staff, the regulatory authorities or someone you can trust who calls you. The victim is usually informed of some irregularities with the account in question and action needed to be taken immediately. Usually the user will be “alerted” of “missing money” or that the user's account has been compromised by possible scams by the phony. To rectify user’s losses or to prevent the “scams”, the phony will instruct the user to perform a online transaction to a third-party account.
4. SMS Scam
These are fraudulent SMS sent to user victims informing them that they have won a cash prize or requiring them to call a given number to confirm on a transaction involving the user's credit card or account information. To claim the prize, the victim is told to transfer a certain amount of money to a third party account or open an internet banking account at the ATM. The victim is tricked into divulging the registered User ID and Password to the fraudster. Having done as instructed, the victim has unknowingly given the fraudster access to their banking account.
What should you do?
Do not click on adware or suspicious URL sent through SMS/Messaging services.
Do not use public Wi-Fi networks that are suspicious for online transactions.
Do not save your login details on a public computer.
Do not respond to suspicious emails or SMS content from suspicious links or unsolicited senders seeking personal or confidential information.
Do not respond to a request seeking for you to validate or verify your personal and confidential information.
Do not respond to any SMS or call from an unknown person asking details of any transaction
Do not respond to any call from a person claiming to be from the regulatory authorities. Their officers will never call to ask you about an online transaction.
Clear your cache (information stored in your computer or mobile application memory) each time you log out.
Change your password frequently. If you think your password has been compromised, contact us to reset your password.
Avoid downloading free programs. These may incorporate hacker-friendly software.
Install anti-virus or anti-malware software.
Refrain from rooting or jailbreaking your mobile devices as this could compromise its security features.
Take note that on principle, we would NEVER ask you to validate personal or confidential information via e-mail. If for some reason you have entered sensitive information after clicking on a link or if you suspect that you’ve been a victim of fraud, please contact us immediately.
CARD FRAUD PREVENTION TIPS
1. Receiving Card
ALWAYS check that the card received is under your name and the sealed package is not compromised. Immediately contact BigPay if the card is not yours or if the seal has been tampered with.
SIGN on the signature panel at the back of your card immediately, using non-erasable ballpoint pen.
REMEMBER to thoroughly destroy your expired / unusable card by cutting it in half across the magnetic stripe and/or chip.
2. Managing Card
KEEP your card in a secured place and ensure that it is in your possession at all times.
DO NOT leave your card unattended even in the privacy of your home / office.
TRY not to leave your card in your vehicle when you are at public places to avoid theft or it being switched with another invalid card. However, if this is unavoidable, once returned to your vehicle;
o Check for any sign of vehicle being broken into and/or; o Ensure the card is not missing and/or
o Ensure the card is yours and does not belong to someone else.
TRY to carry your card separately from your wallet / purse.
DO NOT carry cards that are not needed.
NEVER lend your card or allow others to use your card. (CARDS ARE NOT TRANSFERABLE!)
KEEP a record of your card numbers, expiration dates and the contact number / address of each bank in a secure place.
3. Managing PIN & Personal Details
DO memorize your PIN and destroy the slip immediately.
Immediately go to the ATM and change your PIN, while ensuring no one is observing.
DO NOT create PIN that is sequential, repetitive and obvious (such as date of birth, identity card number, etc.)
DO NOT write your PIN on your card, anywhere near it or unsecured places.
NEVER disclose your PIN (or username, password, security questions/answers, etc) to others.
AVOID using the same PIN for every card.
CHANGE your PIN periodically for precaution.
4. Retail Usage
ENSURE your card is always within your sight while making a transaction.
CHECK all purchase details on sales receipt before signing it. Draw a line through blank space above the total or circle the purchase amount.
DO NOT sign a blank receipt.
ALWAYS mark void on an incorrect receipt and destroy it before you sign a new one and ENSURE the merchant also voids that specific transaction through the card machine as well.
ENSURE that it is your card and not someone else's that is returned to you immediately after the purchase transaction.
ALWAYS keep your receipt for future reference.
5. Online Usage
NEVER provide your card details on website that is unsecured or unreliable.
NEVER provide your card details online unless you are making a purchase.
AVOID using public computers to make online purchase. If you do, please remember to log off and quit browser after you have finished.
AVOID using the same username and password for everything.
ALWAYS print or save the confirmation page and receipt of your purchase.
PROTECT your card CVV (Card Verification Value) / CVC (Card Verification Code). CVV/CVC is a three-digit security code that is placed on the back of your card. Most online, phone, or mail-order purchases requires you to give this code before the transaction goes through, so make sure to keep it confidential.
REGISTER for the 3D-secure service for extra security. (Note: Registration for our 3D-Secure service is COMPULSORY to enable online transactions)
6. Managing Statements & Related Documents
CHECK your card statement promptly and report immediately on any transactions that you do not recognize or did not authorize.
SHRED any document with your card number and details stated on them before discarding.
KEEP BigPay updated with your latest contact number and/or email address to allow BigPay to perform verification of unusual or suspicious transactions. Notify BigPay on your change of mailing address too.
OPT for paperless statement via email. Besides helping to reduce the use of paper, it ensures hardcopies of your card information do no fall into the hands of the unscrupulous.
7. Scams
NEVER respond to email, website or phone inquiry is that request you to provide your card details or ask you to go to a website to verify card or personal details. These are called “Phishing ” scams.
DO NOT provide your card details over the phone unless you have validated the company or individual you are speaking with.
8. Compromise of account
Where you have notified us, or we reasonably believe that your account has been compromised, we may stop, block or suspend your access to and use of your account and/or any services provided by us. We also have the right to disable or change any user name or password (if possible), whether chosen by you or provided by us to ensure the security of the account, in our sole discretion. Note that any act or omission of BigPay in relation to any steps to be taken as set out above does not make BigPay liable to you for any loss or damage arising from the result of your failure to keep your account secure and notifying us of the same.
If you believe that a transaction was made without your authorization, you must contact us immediately. We will conduct an investigation and may provide refunds of unauthorized transactions unless:
you have acted fraudulently;
you have intentionally or negligently compromised the security of your account or failed to keep the details you use to access the account secure; or
where not allowed under the Cardholder Agreement or the Remittance Terms & Conditions.
If our investigations result in any special circumstances deviating from the above and affect the outcome of your liability and/or eligibility for a refund, we will notify you. Note that we have no responsibility towards you for any loss caused by unauthorized access prior to you notifying us. A charge may also be applied for any refund request if the unauthorised use, loss, theft or misuse of the account was caused by your error, carelessness or negligence.
In cases where we have reason to believe that you have acted fraudulently, we may decide not to allow any refund to you, investigate the circumstances further or even forward the matter to law enforcement authorities, including the local regulatory authorities. If an investigation (whether by us or the authorities) results in a finding of fraud by you, we may charge you for costs incurred by us in carrying out such investigation and further deduct these monies from your account.
CUSTOMER OBLIGATIONS FOR ONLINE AND OVERSEAS CARD USAGE TO PREVENT UNAUTHORISED TRANSACTIONS
We shall at all times and to the best of our ability, endeavour to ensure that all online and overseas card usage and transactions which are made on the mobile application or website of BigPay are secure. We employ in our authentication process the use of individual security devices and distinct pass codes including but not limited to usernames, PINs and passwords. These will act as a key to access your relevant account.
To ensure the integrity of these pass codes and security devices, you are under an obligation to maintain its confidentiality by not sharing it or making it accessible to any other person and to take all reasonable endeavours to maintain its security which may include, memorising the usernames, PINs and passwords, changing your password regularly and signing of before visiting any other Internet sites.
In the event of a security breach of any pass codes, loss of your security device, loss of your card, the occurrence of any unauthorized transactions that you have become aware of or ay unauthorised transactions having transpired as a result of a lost, stolen or misused security device or pass code, you are under a mandatory obligation to report any of the incidences aforementioned to BigPay as soon as reasonably practicable.
When performing online transaction(s) you should ensure the trustworthiness of the respective website before you input your card details on to the respective website and for overseas transaction(s) before your card is swiped at the debit card terminal of any vendor, you are to ensure that no external devices are attached to the terminal in order to prevent your card from being cloned by theft of your magnetic strip that contains your card information.
In the event you fail to carry out the mandatory obligation to report to BigPay as soon as reasonably practicable, BigPay will block and prevent any further transactions being carried out on your card. In which case you shall be liable for the amount in monetary value transacted for such unauthorised transaction deemed as a fraudulent or a disputed transaction. Notwithstanding this proviso, BigPay shall have the sole discretion to determine your liability in the event of the occurrence of an unauthorised transaction for online and overseas card usage.
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Referral Terms And Conditions
TERMS AND CONDITIONS – REFERRAL PROGRAMME
The referral programme or “Friends with Benefits” promotional programme (“Referral Programme” or
“Campaign”) is organised by BigPay Singapore Pte Ltd. (“BigPay”)
A. FRIENDS WITH BENEFITS CAMPAIGN / PROGRAMME
1. Every BigPay cardholder whose BigPay Prepaid Visa (“BigPay Card”) account is in active and valid
status only will be assigned a unique code (“Referral Code”). BigPay cardholders with the unique code
are called “Referrers”. The Referral Code does not have any monetary value and cannot be exchanged
for monetary value on its own
2. BigPay cardholders are able to share their Referral Codes with others
3. BigPay cardholders can share their Referral Code using social media channels as determined by
BigPay from time to time. BigPay cardholders can only share their Referral Code in the copy or manner
that is provided by BigPay. BigPay cardholders cannot modify the copy provided by BigPay for sharing of
the Referral Code. If any BigPay cardholder modifies or misuses the code, BigPay reserves the right to
ban that BigPay cardholder from the Referral Programme including suspending or cancelling his/her
BigPay card account due to unauthorized activities
4. Both Referrers and customers who redeem and use the Referral Code (i.e. “Referees”) will be entitled
to a reward (“Referral Reward” or “Reward”)
5. In order for Referees to be eligible and qualify for the Referral Reward, Referee’s must:
● Step 1: download the BigPay Mobile App and apply for the BigPay Card;
● Step 2: redeem the Referral Code by keying it in during the application process for the BigPay
Card on the BigPay Mobile App in order for the Referral Code to be valid; and
● Step 3: activate their BigPay Card in the BigPay Mobile App once they receive the physical Car
6. If Referees forget to key in the Referral Code during the application and registration process for the
BigPay Card, they will not be able to key-in the Referral Code thereafter de facto and will NOT be entitled
to the Referral Reward
7. Referees who only apply for the BigPay Card but do not complete the entire registration and activation
process (even though they have keyed in the Referral Code during the registration process) will NOT be
entitled to the Referral Reward
8. Referees who have been deemed ineligible or declined for the BigPay Card or who do not comply or
fail the customer due diligence mandated and required by BigPay will NOT be entitled to receive the
Referral Reward (even if they have keyed in the Referral Code during the registration process)
9. Only Referees who have successfully completed Step 1, Step 2 & Step 3 will be entitled to receive the
Referral Reward
10. Once Referees have successfully completed Step 1, Step 2 and Step 3, the Referrers (whose
Referral Codes were redeemed and used by the Referees) will also receive the Referral Reward
11. The type of Reward (and/or quantum of the same) may be revised by BigPay from time to time at its
sole and absolute discretion and all such decisions by BigPay shall be deemed final and conclusive and
BigPay will not entertain any complaint or dissatisfaction in relation thereto
12. BigPay Cardholders whose card accounts are blocked, suspended and/or cancelled or suspected for
fraudulent or suspicious activities cannot share the Referral Code nor receive the Reward via redemption
by the Referees of the Referral Code
13. BigPay reserves the absolute right to impose referral limits and/or change any conditions applicable to
the Referral Programme from time to time without prior notice
14. The Referral Programme will commence and continue until BigPay decides to cease it
15. BigPay reserves its absolute right to cancel, terminate or suspend the Referral Programme without
reason and/or any prior notice. For the avoidance of doubt, cancellation, termination or suspension of the
Referral Programme by BigPay shall not entitle any customer or BigPay Cardholder (including Referrers
and Referees) to any claim against or demand compensation from BigPay for any losses, damages, costs
or expenses suffered or incurred as a direct or indirect result of the act of cancellation, termination or
suspension of the Programme
16. By entering or taking part in the Referral Programme, BigPay Cardholders and customers (including
Referrers and Referees) are deemed to have accepted and agreed to these Terms and Conditions (and
any additional terms and conditions stipulated by BigPay from time to time) which shall be legally binding.
These Terms and Conditions shall prevail over any inconsistent terms, conditions, provisions or
representations contained in any other promotional or advertising materials for the Programme. BigPay
reserves the absolute right to vary, delete or incorporate any additions to these Terms and Conditions
(wholly or in part) from time to time without any prior notice
17. BigPay’s decisions in relation to all aspects of the Referral Programme is final, binding and conclusive
under all circumstances and no complaint or dissatisfaction from BigPay Cardholders and any customers
(including Referrers and Referees) will be entertained
18. BigPay shall bear no responsibility for any damage, loss (including but not limited to direct, indirect
and consequential loss), liability, injury or disappointment incurred or suffered by any party in connection
with this Programme.
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Fees & Charges
CARD FEES & OTHER CHARGES (SINGAPORE)
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Joining Fee
Free
--
Minimum Initial Top-up
S$20.00
--
Plastic Card Fee
Only applicable if a customer requests for a plastic prepaid card
SGD10.00
--
Annual Fee
Waived Unconditionally
--
Account Service Fee
Waiver until further notice
--
ATM Withdrawal Fee
Local: We do not support local ATM withdrawals in Singapore
Overseas: 1st withdrawal is free, there will be a fee of 2% of withdrawal amount, thereafter
--
Currency Conversion Fee
(Applied when the purchase is effected in currencies other than Singapore Dollar)
Up to 1% + network charges
--
Cross-Border Transaction Fee
0.5% + network charges
--
Replacement Card Fee
(Only applicable for Card replacement request made by Cardholder. Not applicable if due to defect of Chip or Card)
S$10.00 per Card
--
Debit and Credit Card Top Up Fee
Domestic
- Mastercard Debit – 0.6% of the top up amount;
- Mastercard Credit – 0.7% of the top up amount;
- Visa Debit – 1.25% of the top up amount;
- Visa Credit – 2.3% of the top up amount.
International
- Mastercard Debit – 3.05% of the top up amount;
- Mastercard Credit – 3.30% of the top up amount;
- Visa Debit – 2.5% of the top up amount;
- Visa Credit – 3% of the top up amount.
--
Card Cancellation Fee
Free
--
International Bank Transfer Fees (Non-promotional Rates)
Malaysia – Total fees S$1
Indonesia – Total fees S$3
The Philippines – Total fees S$3
Thailand – Total fees S$5
India – Total fees S$3
Bangladesh – Total fees S$3
Nepal – Total fees S$3
Vietnam – Total fees S$4
Australia – Total fees S$6
China – Total fees S$8
UK – Total fees S$2
EU – Total fees S$2
Stash (SG)
BIGPAY STASH (SINGAPORE)
This document is the contract between you, the Cardholder and us, BigPay Singapore Pte Ltd (“BPSG”), and contains the supplementary terms and conditions for “Stash”, which, construed and read together with the terms and conditions set out in the BigPay Card Terms and Conditions (Cardholder Agreement) and Terms of Use governing the BigPay Card and BigPay App, jointly governs the use of the Stash feature and which are binding on you (collectively “Stash Terms and Conditions”). By accessing or using Stash, you agree to the Stash Terms and Conditions. Do not use Stash if you do not agree to be bound by these terms.
All capitalized words, expressions and definitions used herein shall, except where the context otherwise provides, have the same meaning as defined and used in the BigPay Card Terms and Conditions (Cardholder Agreement).
Stash is a feature which allows you to transfer funds from your Available Balance to a specifically designated sub-account in your Card Account (“Stash pool”) for later use and allows you to keep those funds separate from your Available Balance. With the Stash feature, the funds you transfer to Stash will be blocked and cannot be used for any Transaction and will be maintained in the Stash pool in your Card Account until you decide to withdraw and transfer the funds back to your Available Balance. In addition, with Stash, for any Transactions you make, we will round up the Transaction amount to the nearest Singapore Dollars (SGD) (as applicable) figure and the difference between the Transaction Amount (payable to the merchant) and the rounded-up figure i.e. the spare change (“Round-Up Difference”) will be credited to your Stash pool in your Card Account.
You may activate Stash at any time subject to your Card being active and not blocked. Once you have activated Stash, you may transfer funds from your Available Balance to Stash and thereafter withdraw and transfer funds back from your Stash pool to your Available Balance at any time. Subject to the Purse Limit stipulated by BigPay, there is no limit to the amount you may transfer to or hold in your Stash pool.
When you request for transfer of your funds from your Available Balance to your Stash pool by making the request in the BigPay App under the “Stash” tab screen, you authorize us to debit the funds from your Available Balance and credit the same to your Stash pool. This should generally be done immediately and you will see the funds reflected in your Stash pool in the BigPay App under the “Stash” tab screen. The same process will apply for when you withdraw and transfer funds from your Stash pool back to your Available Balance. You may contact our customer service if your transfer of funds is still not reflected in either your Stash pool or Available Balance within twenty-four hours.
All Transactions will be rounded up only. If your Available Balance is insufficient for the Round-Up Difference i.e. after you have made your Transaction, your Available Balance is less than the total Round-Up Difference, we will not round up your Transaction and we will not transfer the Round-Up Difference to Stash.
For any cancelled or disputed Transactions where you are meant to receive a refund or reimbursement of the Transaction Amount from the merchant, the Round-Up Difference for that Transaction (which was credited to your Stash pool when you had performed the Transaction) will remain in your Stash pool and will not be transferred back to your Available Balance by us. Any amounts maintained in your Stash pool can only be transferred to your Available Balance at your own request/action.
Stash is not a savings account and you will not earn any interest on funds (including the Round-Up Difference) transferred to or maintained in your Stash pool. You cannot transfer funds in your Stash pool to your banking accounts or to third party accounts. You cannot withdraw funds from your Stash pool.
Your Stash pool is tied to your Card Account and is not an independent or a separate wallet of its own. If you (or we) terminate your Card, your Stash pool is equally terminated and the balance of the funds in your Card Account will be refunded to you unless an Event of Default has occurred on your part.
The terms and conditions contained herein shall prevail over any inconsistent terms, conditions, provisions or representation contained in any other promotional or advertising materials for Stash.
We may at our absolute discretion from time to time, change or update any one or more of the terms and conditions contained herein. We may further suspend, discontinue or terminate Stash at any material time at our sole and absolute discretion and you shall have no grounds of action or claim against us for the same. We, our parent, affiliates, associated companies and subsidiaries including our respective employees, directors and representatives shall not be liable for any losses, costs, expenses or damages suffered or sustained by you for your use or misuse of Stash.
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