MWKA Razorpay Curlec – Terms and Conditions

TERMS AND CONDITIONS FOR PAYMENT BY WAY OF DEBIT/CREDIT CARD

1. Terms and Conditions

1.1 These Terms and Conditions shall apply to your payment for our Invoice(s) by way of debit card, credit card, FPX, online banking, e-wallets and/or any other payment methods made available through Razorpay Curlec (“Payment Platform”). Please read these Terms and Conditions carefully. By making payment through the Payment Platform, you acknowledge and agree to be bound by these Terms and Conditions.

1.2 These Terms and Conditions shall apply in addition to our Schedule of Terms enclosed with our Proposal for Legal Services. In the event of any inconsistency between these Terms and Conditions and our Schedule of Terms in relation to payments made through the Payment Platform, these Terms and Conditions shall prevail.

1.3 If you do not agree with these Terms and Conditions in their entirety, please do not proceed with payment through the Payment Platform.

2. Razorpay Curlec

2.1 Razorpay Curlec is an online payment gateway and payment solutions provider that facilitates payments through debit cards, credit cards, FPX/online banking, e-wallets and other electronic payment methods made available on its platform. Razorpay Curlec is part of the Razorpay group and operates in Malaysia as a payment service provider and member of Payments Network Malaysia Sdn. Bhd. (“PayNet”).

2.2 Razorpay Curlec represents that its payment platform is designed to meet the security standards and compliance measures applicable to the payment industry, including PCI DSS requirements for payment security.

2.3 All transactions made online shall be processed in Ringgit Malaysia (RM) unless otherwise stated and may be subject to applicable transaction fees (if any), which shall be borne by you.

2.4 We do not guarantee and shall not be responsible for any interruption, unavailability, delay, technical failure and/or error in Razorpay Curlec’s services including but not limited to system maintenance, banking network interruptions, telecommunications failures, payment processor downtime or failures attributable to third-party service providers.

2.5 For more information regarding Razorpay Curlec, please visit: Razorpay Curlec

3. Successful Payment

3.1 Upon your selection to make payment through the Payment Platform, the Payment Platform may request authorisation from your selected financial institution, card issuer, bank and/or payment provider for fraud screening and transaction verification purposes. The result of your transaction will be displayed on your screen as either successful or unsuccessful.

3.2 If your payment is successful, a confirmation email and/or payment notification may be sent to the email address you provided during the payment process. Such confirmation may include details of your payment and transaction reference number.

4. Unsuccessful Payment

4.1 Your payment may be unsuccessful for various reasons including but not limited to insufficient funds, failed authentication, declined authorisation, technical issues with your financial institution and/or limitations imposed by your selected payment method.

4.2 Should the problem persist, kindly contact your bank, card issuer or payment provider directly. We shall not be liable for any unsuccessful payment attempt caused by third-party financial institutions, payment processors or Razorpay Curlec.

5. Underpayments and/or Overpayments

5.1 In the event there is an underpayment of our Invoice(s), such payment shall be treated as partial payment only and the Invoice(s) shall not be regarded as fully settled. You shall make payment of the outstanding balance upon our written notice to you.

5.2 In the event of an overpayment on our Invoice(s), and provided that such payment has been successfully received by us through the Payment Platform, the overpayment may be refunded within fourteen (14) days upon completion of our refund verification procedure as set out in Clause 6 below.

5.3 For the avoidance of doubt, any approved refund shall strictly be credited back to the original payment method used for the transaction, subject to the policies and limitations of Razorpay Curlec and the relevant financial institution and subject to our discretion. Requests for refunds through alternative payment methods or currencies may not be entertained.

5.4 In the event of any overpayment to be refunded, once approved, any bank transaction charges which are applicable shall be borne by you.

6. Refunds

6.1 Refunds of payments made for our Invoice(s) and/or to us for any reason whatsoever shall be requested by way of a written notice to us by you. In compliance with the obligations and rules and regulations of the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities 2001 (“AMLA”), refunds will be made subject to the satisfaction of our refund-verification procedure, which includes but is not limited to you providing to us the following documents:

a) Your full name;

b) Your date of birth;

c) Your address;

d) A copy of your National Registration Identification Card and/or Passport;

e) A copy of your bank card used for the relevant transaction; and

f) A copy of the relevant Invoice(s) to which the overpayment and/or false payment was made.

6.2 Upon satisfaction of our refund verification procedure, the requested refund will be credited back to the debit or credit card used for the relevant transaction. Any request for a refund to be made to you in any other currency and/or via any other payment mode will not be entertained. Any bank charges to be deducted and/or applicable transaction fees shall be borne by you.

6.3 In the event our refund-verification procedure is not satisfied, the requested refund will not be credited back to the debit or credit card used for the relevant transaction. In such event, we reserve the right to cooperate with the relevant authorities in investigating claims of any illegal activity including, but not limited to, any illegal transaction, illegal activity and/or money laundering based on any transaction by you to us that raises any reasonable suspicion and we are required by law to promptly report any suspicious transactions to the relevant authorities pursuant to section 14 of AMLA.

7. Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 (“AMLA”)

7.1 We are committed to the standards of anti-money laundering under AMLA in order to prevent the use of our services for money laundering and/or terrorism financing purposes. The requirements set out below are the minimum regulatory requirements created to prevent our partners and clients from any misuse of these services for money laundering or any other financial crimes.

7.2 Under section 13 of AMLA, we are obliged to keep a record of any transaction, which shall include, but not be limited to, the following:

a) The identity and address of the person in whose name the transaction is conducted;

b) The identity and address of the beneficiary or the person on whose behalf the transaction is conducted, where applicable;

c) The identity of the accounts affected by the transaction, if any;

d) The type of transaction involved, such as deposit, withdrawal, exchange of currency, cheque cashing, purchase of cashier’s cheques or money orders or other payment or transfer by, through, or to such reporting institution;

e) The identity of the reporting institution where the transaction occurred; and

d) The date, time and amount of the transaction.

7.3 You agree that any and all information provided to us by you shall be treated as being true and correct. You shall indemnify us against all losses, expenses, costs and/or damages incurred in connection with and/or in relation to information provided that is untrue and incorrect.

7.4 Standard identification data and documents required include but are not limited to the following:

a) Your full name;

b) Your date of birth;

c) Your citizenship;

d) Your address;

e) A copy of your National Registration Identity Card and/or Passport; and

f) A copy of your bank card used for the relevant transaction.

7.5 You acknowledge that due to the obligations and rules and regulations provided under AMLA, you shall promptly provide us with further identification and documentation deemed necessary and appropriate for the purposes of verification of your identity and source of funds used to make the payment of our Invoice(s) in compliance with any rules and regulations of AMLA.

7.6 We reserve the right to cooperate with the relevant authorities in investigating claims of any illegal activity including, but not limited to, any illegal transaction, illegal activity and/or money laundering based on any transaction by you to us that raises any reasonable suspicion, and we are required by law to promptly report any suspicious transactions to the relevant authorities pursuant to section 14 of AMLA.

7.7 For the purpose of ensuring that there is an audit trail to assist in any financial investigation by any relevant authority, our record-keeping policy and procedure shall cover records in the following areas:

a) Records on all clients including but not limited to identification and verification information;

b) Records on all transactions in relation to our Invoice(s); and

c) Reporting any suspicious transactions and/or activity reports.

7.8 For the avoidance of doubt, “transaction” includes any attempted transaction or proposed transaction.