Terms of Use

1.1 These terms and conditions [including all agreements and policies referenced in these terms and conditions or any other policies applicable to the use of specific features of the MatchMove Mobile Wallet (“Wallet”) and related services and Money Transfer Services (collectively referred to as the “Services”) that you must agree to and accept before using those specific features] set out the general terms and conditions that will apply to the Wallet and Services that we may provide to you from time to time. You agree that these terms and conditions constitute a legally binding and effective contract between you and us—MatchMove and our subsidiaries and affiliates. Jade. MatchMove is the issuer of the Wallet and manages the associated funds within the Mastercard network. Jade provides the Wallet and Services to Jade users through the Jade Master Card feature in the Jade app. 1.2 By completing the registration process, you are deemed to have read, understood, and explicitly accepted each term when you use the Jade Mastercard website, Wallet, and Services. You agree to be bound by these terms and conditions, along with any other specific rules and procedures that may be established or amended at our sole discretion. You are encouraged to review the amended terms and conditions and/or other specific rules and procedures that we may update periodically. 1.3 In this agreement, “We,” “we,” “our,” or “Our” refers to MatchMove or MatchMove’s partners, acting on behalf of MatchMove in specific cases. “You,” “you,” “your,” or “Your” refers to the Account User utilizing the Wallet and Services. Definitions, Descriptions, and Interpretations The headings and subheadings are inserted for convenience only and do not affect the interpretation of these terms and conditions. In these terms and conditions, unless the context requires otherwise, the following definitions shall apply:

“Access Code” means the password, code, or any other arrangement that the Account User must keep confidential, which may be required to authenticate any payment transaction or the Account User, and may include any of the following:
- (a) personal identification number, password, or code; or
- (b) internet banking authentication code; or
- (c) telephone banking authentication code; or
- (d) code generated by an Authentication Device; or
- (e) code sent by MatchMove via a phone message such as SMS, but does not include numbers printed on the Wallet (e.g., the security number printed on credit or debit cards).
“Account Holder” means any individual in whose name the Wallet is opened or who is issued a Wallet, and includes joint Account Holders.
“Account User” means:
- (a) any Account Holder; or
- (b) any individual authorized, in accordance with these terms and conditions, by MatchMove and any Account Holder of the Secured Account, to initiate, execute, or both initiate and execute payment transactions using the Secured Account.
“Authentication Device” means any device issued to the Account User by the responsible financial institution (“FI”) to authenticate any payment transaction or Service initiated from the Wallet, including devices used to generate, receive, or input any access codes.
“Authorized Representative” means a representative that an Organization has authorized to open a Wallet account and, depending on the limits of the authority granted, has the right to access and use the services on behalf of that organization.
“Country” means the country or territory where you reside and where the Wallet is opened, or the country or territory where you are located when using the Wallet or Services.
“Electronic Instruction” means any instruction, notice, guidance, or other communication that may be provided through the website, phone, email, or SMS by you at any time. However, we reserve the right to require that the instruction be accompanied by supporting documents before we decide to act on or refrain from acting on that instruction.
“Fees and Charges” refers to the fees and charges applicable to the Wallet account and listed in the schedule of fees and charges provided to you.
“FAST Transfer” refers to the service that allows you, as applicable, to transfer or receive money from or into your Secured Account to or from other user accounts and any bank accounts/e-wallet accounts held by banks and e-wallet providers that are part of the FAST network in Singapore.
“MatchMove” refers to MatchMove Pay Pte Ltd, the issuer of the Wallet or the Responsible Financial Institution (“FI”) holding the Major Payment Institution License or “Managed Entity” issued by the Monetary Authority of Singapore (“MAS”). MatchMove Pay Pte Ltd (Company Registration Number: 200902936W) is a company incorporated and operating under the laws of Singapore, with its registered office at 137 Telok Ayer Street, #03-03, Singapore 068602. MatchMove is also licensed, authorized, and regulated by the Monetary Authority of Singapore (MAS) as a Major Payment Institution under the Payment Services Act (2019). Please note that this licensing does NOT guarantee the performance of the money transfer service provider, and you assume the risk of loss from the money transfer service.
“Jade” refers to Jade Finance UAB, registration number 306068751, a company incorporated and operating under the laws of Lithuania, with its registered office at Vilnius, Žalgirio g. 88-101, LT-09303.
“Trust Currency” refers to the foreign currency in which the authorization provided by you to MatchMove is valued.
“Merchant” refers to any merchant, supplier, individual, corporation, or organization that provides goods, products, and services to you through the wallet. You acknowledge that the transactions for purchasing those goods, products, and services are transactions between you and the merchant, not with us or our affiliated companies, unless expressly stated otherwise in the product or service listing on our website/electronic catalog. You agree and acknowledge that we make no representations or warranties regarding the quality, accuracy, suitability, timeliness, fitness for any particular purpose, or completeness of any products, goods, or services from the Merchant. You are advised to carefully review the terms and conditions, return and exchange policies of the Merchant before making any purchases.

“Multi-Currency Wallet” refers to the portion of the payment account that contains the total amount of each foreign currency that can be deposited into the payment account. When the balance in the Multi-Currency Wallet is insufficient, money will be automatically transferred from other Multi-Currency Wallets. “Network” refers to any global card association such as VISA, MasterCard, RuPay, American Express, UnionPay, JCB, or any other global network that provides and manages the BIN number of your card. “Organization” means a company, partner, association, or other entity, organization, or legal agency. “Permitted Foreign Currency” means the foreign currencies that MatchMove allows you to hold in the Multi-Currency Wallet over time. “Protected Account” means any Wallet that: (a) is held in the name of one or more individuals, all of whom are individuals or sole proprietors; (b) has the potential to have a balance not exceeding 1,000 SGD (before KYC verification) or 5,000 SGD (after KYC verification) (or the equivalent amount in any other currency) at any time or an amount as specified by the Monetary Authority of Singapore (“MAS”); and (c) has the potential to be used for electronic payment transactions. “PDPA” means the Personal Data Protection Act 2012 (No. 26 of 2012). “Personal data” shall have the meaning as defined in the PDPA. “Money Transfer Services” means the money transfer services provided or supported by MatchMove over time through your Wallet. “Walet” refers to the payment account and/or Virtual Account that may be a Multi-Currency Wallet and/or a physical card that is a Mastercard provided to you upon registration on the website and completion of the KYC verification process with us. In the event that the Account Holder chooses the Multi-Currency Wallet, the Account User will be bound by additional terms (“Terms of the Multi-Currency Wallet”). The payment account is considered a means of storing value under national law, and various payment products and services may be available to you over time. “Website” refers to our website, its address, and the mobile applications or portals that you may access from mobile devices. All website addresses and URLs referenced in these terms and conditions may change over time at our sole discretion. “Unauthorized Transaction” related to any Protected Account means any payment transaction initiated by any individual without the actual knowledge or reasonable inference and the implicit or explicit consent of the Account User of the Protected Account. “Virtual Account” refers to an account valued in US Dollars (USD), Singapore Dollars (SGD), or any other designated currency provided by MatchMove’s banking partner. This Virtual Account serves as a financial tool to process and systematically manage transactions priced in the designated currency within the scope of your business operations. You agree and acknowledge that the issuance and management of the Virtual Account depend on the rules, policies, and requirements set by the banking partner, and you agree and acknowledge that the operation and use of the Virtual Account will be governed by the terms and conditions of MatchMove. The Virtual Account must comply with applicable laws and regulations and the terms of service, and please note that the products and services of the Virtual Account may not be available in all geographic areas. Eligibility for a Virtual Account is subject to the final decision of the banking partner and MatchMove. Part 2: Wallet and Services Using the Wallet and Services 3.1 The use of the Wallet and Services must comply with the terms and conditions provided herein, which may be amended over time. You agree to these terms and conditions and are responsible for any fees and charges incurred from the use of the Wallet and Services, whether permitted or not. The Wallet is not a credit card; therefore, usage will depend on the balance linked to the Wallet. 3.1.1 The use of the Wallet and Services may be part of the FAST banking transfer service and/or the Virtual Account transfer in Singapore. 3.2 When you use the Wallet and Services, you authorize us to act as your agent solely in relation to holding, sending, or receiving the available balance. We may, without prior reference to you, consolidate or merge any number of your domestic or foreign accounts (whether held solely or jointly, or under any style, name, or form including the trade name of the sole owner) and offset the credit balances (whether matured or not) in these accounts against any liabilities. You agree that when necessary, the consolidation, merging, and offsetting requiring any conversion from one currency to another, we have the right to convert one currency into another in any manner we determine and at our current exchange rates. You agree that we have your necessary consent for FAST transfers and/or Virtual Account transfers unless you notify us in writing within 3 days from the date of creating your Wallet. Please note that FAST transfers and/or Virtual Account transfers are subject to fees and are non-refundable once completed. 3.3 Prohibited Use You agree not to use the Wallet and Services for (a) purchasing goods or products whose import into your country of residence is prohibited, or (b) transfers that exceed the limits set by the applicable laws of the Recipient’s country. You acknowledge that you will not use the Wallet and Services to engage in any transactions related to any prohibited activities under applicable law. Notwithstanding any provisions to the contrary herein, we may limit the number of purchases, transfers, and transfer limits, as well as the transfer services that may be approved in a given day. If we detect any unusual or suspicious activity when using your Wallet, we may request that you contact us or temporarily suspend your benefits until we can verify that activity. Validity, Replacement, and Refund 4.1 Unless terminated or canceled earlier, the Wallet and Services will be effective for a period determined by us. The renewal or replacement of the Wallet will be entirely at our discretion. Your Wallet will be valid for the period (“Validity Period”) stated on the Wallet and will expire on the first day of the following month. You agree and understand that the Validity Period may not be renewed. 4.2 Inactive Wallet: When there has been no access or payment transactions performed on the Wallet for a continuous period exceeding the time mentioned on the fees and charges page on our website, and if there is a valid balance in the Wallet, we may notify you by any notification method mentioned in this text and provide you with the option to keep the Wallet active. If you do not respond within the timeframe we have notified, an inactivity fee may be deducted from the remaining balance in the Wallet, and this will continue to be deducted monthly if the Wallet remains inactive. 4.3 If the Wallet is inactive and expires while there is still an unused balance, you will no longer have the right to use that balance, and we may terminate this Wallet. The unused balance will be handled in accordance with the law and may be retained if permitted by law, or we may report the unclaimed balance to the Monetary Authority of Singapore (MAS) as per current regulations. 4.4 We are not obligated to refund the remaining balance on the Wallet prior to the expiration date of the card. We are only obligated to refund you the remaining balance, if any, in the following cases:

A refund request is sent to us in writing or when you contact our support department at +65 6271 1371.
A processing fee will be applied for each refund (refer to the FAQs on our website) and will be deducted from the remaining balance in the Wallet. We will only process refunds if the remaining balance exceeds the processing fee. If the balance is insufficient to cover this fee, we will notify you in writing about the unsuccessful refund.
Any refund will be transferred to your registered bank account or any bank account you have notified us of. If the transfer fails, we reserve the right to charge an additional transfer fee.

Wallet Breach 5.1 The security and care of your Wallet, as well as keeping your security code confidential, is your sole responsibility. You agree not to disclose your Wallet account information to anyone or allow them to use it for charges, identification, or any other purpose. If you do so, you will be liable for any charges incurred from the use of the Wallet due to that action. 5.2 You will be exempt from financial liability arising from the fraudulent or unauthorized use of the Wallet and related services from the moment we receive a report regarding the breach of your Wallet account from the relevant party. Until we receive that report, you agree to be responsible for all transactions, purchases, transfers, and fees incurred from the use of the Wallet and Services that have been compromised. If you do not immediately report the breach of your Wallet account upon discovery, we or affiliated merchants will not be liable for any responsibility arising from that breach. 5.3 You will be required to provide your name, address, Wallet number, identification documents, and other information to verify your identity. You agree to provide us with all necessary information and assistance so that we can investigate the breach in a timely and thorough manner, and we reserve the right to investigate this matter. If your Wallet is lost or stolen, we may issue you a replacement Wallet account with a value equivalent to the remaining balance on the Wallet at the time you notify us of the breach, at our discretion. Top-Up and Transactions 6.1 Subject to our approval, we may allow a one-time top-up with the maximum amount specified in the fees and charges table while your Wallet is being processed for registration. 6.2 Your Wallet is a reloadable account when you have completed all registration requirements as specified by us, meaning you have been identity verified (“KYC”). 6.3 Once the Wallet has been identified as a reloadable account, the maximum remaining balance in the Wallet will be determined at our discretion. You may receive, spend, transfer, or, if applicable, make FAST transfers or Virtual Account transfers with the daily and monthly limits specified in the fees and charges table on our website and in accordance with applicable laws and regulations, such as the Payment Services Act 2019. For example, for individuals, the maximum transfer amount per transaction is 5,000 SGD (Five Thousand Singapore Dollars), and the total maximum transfer amount does not exceed 30,000 SGD (Thirty Thousand Singapore Dollars) per year. Each time you use your Wallet, the transaction amount will be deducted from the remaining balance of the Wallet. You agree not to make purchases, transfers, or FAST transfers or to transfer funds exceeding the available balance in your Wallet. We reserve the right to decline any requests you make for purchases, transfers, or fund transfers if the balance in your Wallet is insufficient to cover the fees or exceeds the available balance in your Wallet. 6.4 Transactions are displayed as pending, completed, failed, or canceled.

“Pending” indicates that the transaction is currently under review by us and may not be completed or processed at our discretion. “Pending” may also indicate that the transaction is awaiting account confirmation or processing from a third party.
“Completed” indicates that the transaction has been approved and the funds are available. If we determine that the transaction is related to a restricted or prohibited business activity or that it is a result of fraudulent activity, we may reverse or refund the transaction at any time. This refund will be credited to your Wallet account.
“Canceled” indicates that the transaction has been stopped or reversed. This may occur due to inaccurate or incomplete Wallet account information, our inability to verify the legitimacy of a payment or merchant, or for another internal reason. You may contact us for further information. Although payments have been canceled, the release of verification or refund to the member’s Wallet account may not occur immediately, and we cannot guarantee availability within a specific timeframe.
“Failed” indicates that the transaction could not be processed due to incorrect Wallet account information, insufficient balance, or for another reason related to the transaction.

7.1 For Senders These terms and conditions (“Terms”) apply to and govern your use of the transfer service or Money Transfer Service (“Transfer Service”) of the Wallet. The Transfer Service allows you to request (“Transaction Request”) to use the transfer function in your Wallet account (“Account”) for us to execute a transaction (“Money Transfer Transaction”) to transfer an amount or, if applicable, make a FAST transfer and/or transfer to a Virtual Account in the amount specified by you (“Transfer Amount”) from your Wallet or account to the recipient you designate (“Recipient”). To use the Transfer Service, you must: (i) have a valid and active Wallet or account; and (ii) have had your identity verified by us (“KYC”). If you wish to carry out a money transfer transaction, you must submit a Transaction Request to initiate that Money Transfer Transaction. When submitting a Transaction Request, you must provide the information we request (including the Recipient’s contact details). You are responsible for ensuring the accuracy, truthfulness, and completeness of all information provided regarding the Transaction Request, including but not limited to the Recipient’s contact details. Once a Transaction Request has been recorded in the Recipient’s account, you will not be able to withdraw, cancel, or change that Transaction Request. We reserve the right, at our discretion, to refuse, reject, or process or cancel any Transaction Request or Money Transfer Transaction without the need to provide a reason. After we accept a Transaction Request, the Recipient will be notified via email or SMS (depending on the contact details you provided) that you have transferred money into the Recipient’s account. We may, at our discretion, change any limits or impose additional limits on the Transfer Amount that can be transferred by you, whether on a per-transaction basis or cumulatively, without prior notice to you. You acknowledge and agree that you are responsible for providing accurate contact details of the Recipient to allow the Money Transfer Transaction to be credited to the Recipient’s account and ensuring that the Recipient maintains and secures their account information. You designate and authorize us to debit your account and transfer, or if applicable, make a FAST transfer or arrange for the Transfer Amount to be credited to the Recipient’s account. The Recipient must have a valid Wallet or account. The Recipient must request an OTP code to enable the Money Transfer Transaction to be credited to their Wallet or account, must comply with the instructions provided by us, and must complete the KYC process for the transfer amount to be credited to their Wallet or account. If the Money Transfer Transaction is unsuccessful but the Transfer Amount has been debited from your Wallet or account, we will arrange for the Transfer Amount to be credited back to your Wallet or account. You acknowledge and agree that, for the purposes of the Money Transfer Service, MatchMove will access and use information in your Wallet or account, and you consent to MatchMove accessing and using that information to provide the Money Transfer Service and authorize us to contact the Recipient you designate using that information (including via personal email through your Wallet or account) on your behalf. We reserve the right to impose fees or modify any fees for the use of the Money Transfer Service, FAST transfer, Virtual Account transfer, and/or accounts at any time, after providing written notice to you. These fees or modifications will take effect from the date specified in the notice. If you continue to use the account or submit any transaction requests after that notice, you will be deemed to have agreed to and accepted the fees or modifications related to those fees. We expressly exclude all warranties, commitments, guarantees, conditions, terms, or representations of any kind, whether express or implied, statutory or otherwise, related to or arising from your use of the Money Transfer Service, or concerning the processing of or any issues related to any Transaction Request or Money Transfer Transaction. Notwithstanding the above, our acceptance of your Transaction Request does not imply a commitment or guarantee that we will process the Money Transfer Transaction or transfer the amount to the Recipient, and we do not guarantee that: (i) the Transfer Amount has been successfully credited to the Recipient’s account; or (ii) the Transfer Amount has not been recorded or not credited to the Recipient’s account within 7 days from the date of the Transaction Request submission; (iii) the Money Transfer Service will meet your requirements; (iv) the Money Transfer Service will always be available, accessible, operational, or compatible with the network infrastructure, systems, or other services that the wallet may provide over time; or (v) your use of the Money Transfer Service or the wallet’s processing of any Transaction Request or Money Transfer Transaction will be uninterrupted, timely, secure, or free of viruses or errors. You acknowledge and agree that, to the extent permitted by applicable law, we shall not be liable to you for any and all damages, liabilities, costs, expenses, losses, claims, actions, or legal proceedings of any kind (whether direct, indirect, or consequential) related to any matters, whether arising from contract, tort, negligence, or any other cause, concerning: (i) our provision of or your use of the Money Transfer Service and/or wallet or account; (ii) the processing of any Transaction Request or Money Transfer Transaction; (iii) any Money Transfer Transaction that fails or is deemed to have failed, or any Transfer Amount that is not credited to the Recipient’s wallet or account or is transferred to another recipient who is not the intended Recipient you designated, whether arising from: your negligence, misconduct, or breach of any terms and conditions (including providing inaccurate information); (iv) any errors, refusals, delays, or inaccuracies by any third party or third-party systems through which any money transfer transactions are conducted; (v) any unauthorized access to the wallet or account; (vi) the use in any form and/or for any purpose by any individual at any time and from time to time of any information or data: (a) related to you and/or any Recipient; (b) transmitted through your use of the Money Transfer Service and/or wallet or account; and/or (c) obtained through your use of the Money Transfer Service and/or wallet or account; (vii) any events that we cannot control or avoid with reasonable effort; and/or (viii) the suspension, termination, or cessation of the provision of the Money Transfer Service. To the extent that any limitations above are not permitted by law, our liability to you arising from or relating to each Money Transfer Transaction, whether in contract, breach (including negligence or statutory duty), or other causes for any and all damages, losses, or liabilities arising from or related to the provision of the Money Transfer Service and/or wallet or account and/or under these terms shall not exceed the value of that Money Transfer Transaction. You represent and warrant that, with respect to each Money Transfer Transaction, you have obtained the necessary consent of the relevant Recipient to disclose that Recipient’s personal data (including contact details) to us and to allow us to use and disclose that Recipient’s personal data (including contact details to contact the Recipient as stated in paragraph 6) as required by the Money Transfer Service. We reserve the right to exercise any rights and remedies under these terms and conditions governing online transaction services (including the right to withdraw, limit, suspend, change, or modify the Money Transfer Service (in whole or in part)). We will refund you any benefits we receive due to a breach of the agreement with you (which means, for example, if the money transfer fails in those cases, we will refund you the Transaction Amount and Fees). We are not liable in any event for:

Any failure to complete your instructions due to circumstances that could be considered beyond our control.
Communication system malfunctions that cannot reasonably be considered under our control and may affect the accuracy or timing of the notifications you send us.
Any loss or delay in the transmission of notifications arising from the use of any internet service provider or due to any other browser or software not under our control.
Errors on the website or with the Service due to incomplete or inaccurate information provided to us by you or a third party.

7.2 For the Recipient These terms and conditions (“Terms”) apply and govern your use of our virtual transfer service (“Money Transfer Service”) to receive a certain amount of money (“Transfer Amount”) from a customer (“Sender”) of MatchMove, who has requested the Wallet to transfer or send the Transfer Amount to you (this money transfer request, your receiving request, and the transfer or sending of the Transfer Amount to you are collectively referred to as “Money Transfer Transaction”). You must accept and agree to these terms and conditions before you can receive the Transfer Amount related to the Money Transfer Transaction. You can only receive the Transfer Amount by submitting a request using: (i) a unique URL accessible through the email or SMS you received notification about the Money Transfer Transaction; or (ii) any other method specified by us in the email or SMS sent to you, notifying you about the Money Transfer Transaction, and complying with the instructions provided therein. To receive the Transfer Amount, you must: (i) have a wallet account; and (ii) have passed our KYC process. You are responsible for ensuring, and you represent and warrant, the accuracy, truthfulness, and completeness of all information provided in the request to receive the money transfer and/or when using the Money Transfer Service, including but not limited to the details of your designated wallet account. Additionally, you represent and warrant that you are the Recipient to whom the Transfer Amount is designated, and that you are the legal owner and beneficiary of the designated wallet account to receive the Transfer Amount. We reserve the absolute right to refuse or not process any request to receive a Money Transfer without the need to provide a reason. After verifying the OTP, we will make every effort to credit the Transfer Amount to your wallet account. If the Money Transfer Transaction cannot or is not completed for any reason, we will not be liable to you for the unsuccessful money transfer, including but not limited to your not receiving the Transfer Amount. We expressly exclude all guarantees, commitments, warranties, conditions, terms, or representations of any kind, whether express or implied, by statute or otherwise, relating to or arising from the use of the Money Transfer Service or relating to the processing or any other issues concerning the request to receive the Transfer Amount. Without affecting the foregoing, your possession or provision of a security code does not imply that we commit or guarantee that we will, and we are not obligated to, credit the Transfer Amount to your wallet account, and we do not guarantee that: (i) the one-time password (“OTP”) sent to your phone is valid or has not expired; or (ii) any information you provide is valid or accurate; (iii) the Money Transfer Service will meet your requirements; (iv) the Money Transfer Service will always be available, accessible, operational, or compatible with any network infrastructure, systems, or other services that we may provide from time to time; or (v) your use of the Money Transfer Service or our processing of the request to receive the Transfer Amount will not be interrupted, timely, secure, or error-free, including but not limited to whether you receive the Transfer Amount or receive the Transfer Amount on time. You acknowledge and agree that, to the extent permitted by applicable law, we will not be liable to you for any and all losses, liabilities, costs, expenses, damages, claims, actions, or legal proceedings of any kind (whether direct, indirect, or consequential) relating to any issues arising from contract, breach (including negligence), or any other cause, relating to: (i) our provision of or your use of the Money Transfer Service; (ii) the processing of the request to receive the Transfer Amount; (iii) any Money Transfer Transaction that is deemed incomplete or any Transfer Amount that is not credited to your designated wallet account or transferred to another recipient, whether arising from: (a) your negligence, misconduct, or breach of any term of these terms (including providing inaccurate information); or (b) any errors, rejections, delays, or inaccuracies by any third party or third-party systems through which the money transfer transaction is carried out; (iv) the use in any form and/or for any purpose by any individual at any time and from time to time of any information or data related to you, provided by you in the course of using the Money Transfer Service; and/or collected through your use of the Money Transfer Service; (v) any event that cannot be controlled or avoided despite reasonable efforts; and/or (vi) the suspension, termination, or cessation of the provision of the Money Transfer Service. We will not be liable, and you agree to indemnify us and hold us and our payment services harmless from any loss, damage, claims, legal proceedings, losses, or costs (including all legal fees) arising from or related to, including but not limited to, the following circumstances: (i) any unauthorized or invalid use of the Money Transfer Service by you; (ii) any action or omission by the mobile or internet service provider involved; (iii) any delays or failures in any messaging, transaction, or communication systems; (iv) any access (or inability or delay in accessing) and/or use of the Money Transfer Service; or (v) any breach by you of any commitment or term of these terms. 7.3 To the extent that any limits set forth above are not permitted by law, our liability to you arising from or related to the Money Transfer Transaction, whether in contract, breach (including negligence or breach of statutory duty), or other causes for any and all damages, losses, or liabilities arising from or related to the Money Transfer Service and/or under these terms will not exceed the value of the Money Transfer Transaction. Transaction History You can access the wallet app or website to view your transaction history. You acknowledge and agree that we have no obligation to provide you with a detailed monthly statement of the transactions you have conducted through the wallet system. Disputes and Erroneous Transactions 9.1 The details in the SMS/email confirmation message after each transaction and/or the entries in the transaction history are considered correct and accurate unless you notify us in writing of any dispute within twenty-four (24) hours from the time of the transaction. If no disputes are reported within the specified timeframe, all transactions and entries in the transaction history will be deemed correct and accurate. 9.2 Disputed transactions will only be credited back to your Wallet once the complaint/dispute has been properly processed, investigated, and there is a clear conclusion that you are entitled to have the amount credited back. Terms for Multi-Currency Wallet 10.1 When the Wallet is opened as a Multi-Currency Wallet, the following terms shall also apply: (a) you are permitted to deposit any Allowed Foreign Currency into the Multi-Currency Wallet without needing to convert that Allowed Foreign Currency into another currency; (b) in the event that you wish to deposit a Foreign Currency that is not Allowed Foreign Currency into the Multi-Currency Wallet, you authorize us to convert that Foreign Currency into Allowed Foreign Currency (based on the exchange rate determined by us from time to time) at our sole discretion and deposit that amount into the Multi-Currency Wallet; (c) only one designated currency (Mandate Currency) shall be provided for each Multi-Currency Wallet. If any Instructions given to us are not denominated in Mandate Currency, you authorize us to convert those Instructions into Mandate Currency (based on the exchange rate determined by us from time to time) at our sole discretion, and we shall have the absolute right to decide whether or not to execute those Instructions; and (d) in the event that there is more than one Mandate Currency and any Instructions given to us are not denominated in any Mandate Currency, you authorize us to convert those Instructions into any Mandate Currency at our sole discretion (based on the exchange rate determined by us from time to time) and we shall have the absolute right to decide whether or not to execute those Instructions. 10.2 The issuance and use of the Multi-Currency Wallet must comply with the Account Holder’s adherence to current legal regulations, including but not limited to the Foreign Exchange Control Act, regulations, rules, and directives issued by the Monetary Authority of Singapore (MAS) and/or other relevant authorities under any applicable law or amendments to that law from time to time. 10.3 The Multi-Currency Wallet may be used within the foreign currency limits set by MAS from time to time, by Account Users traveling abroad for personal or business expenses, provided that the total amount of foreign currency exchanged during the trip does not exceed the permitted limit. The importation of goods purchased from abroad into Singapore will be governed by the current baggage/external trade (EXIM) regulations. The Multi-Currency Wallet cannot be used to carry out money transfer transactions where the issuance of foreign currency is not permitted under current regulations. Part 3: General Application and Activation. To assist the government in combating terrorism and money laundering, legal regulations require us to collect, verify, and record the identification information of each individual who registers an account with us to use the Wallet and Services. This means that when you register an account, we will request you to provide your name, address, date of birth, nationality, identification number, and any other identification documents that the law requires us to collect. We appreciate your understanding and cooperation. 11.1 Only eligible members can use the Wallet and Services by registering online on the website; 11.2 You represent and warrant to us that you:

Are at least eighteen (18) years old;
Are eligible to register for and use the Wallet and Services and have the right, power, and ability to participate in and comply with these terms and conditions;
Provide us with truthful, accurate, current, and complete information about your identity, and promptly update your personal information (for individuals) or company information (for business customers) if and when there are changes. When registering, you must fully complete the account opening registration form and provide all necessary details to verify your identity. The required documents, whether hard copies or digital, must be provided to us to complete the account opening process. If you are a business, an Authorized Representative must establish the business account on your behalf.
Will update your personal information (for individuals) or company information (for business customers), including your current email address; and
Will not impersonate any other person, operate under a false name, or conceal your identity. We will use the information you provide, as well as information we receive from your use of the Wallet and Services, to facilitate your participation in the services and for other purposes consistent with our privacy policy.

11.3 It is important that all funds you deposit or transfer from time to time are derived from legitimate sources and are not the proceeds of crime, including but not limited to profits from drug trafficking or other prohibited substances, illegal arms trafficking, illegal gambling, prostitution, terrorist funding, etc. 11.4 We may, from time to time, at our sole discretion, require you to provide proof of identity (such as a notarized copy of your passport or other means of identity verification that we deem necessary in the specific circumstances) and may, at our sole discretion, suspend your account until such proof is provided at our request. 11.5 The necessary documentation for verifying authorized personnel will be required from time to time, and we reserve the right to request further clarification. If such clarification cannot be provided for any reason, we have the right not to act on conflicting or incomplete instructions. 11.6 Transaction Limits. We may, from time to time, impose transaction limits (such as minimum transaction amounts) related to the Wallet or Services or change the frequency or manner of using the services. Fees 12.1 In order to use the money transfer services, benefits, and privileges of the wallet, including related services, you will be required to pay fees that we may request. We reserve the right and may, at our sole discretion, charge and modify the benefits and privileges related to the Wallet or Services, including associated fees. In most cases, we will provide you with reasonable notice regarding the fees and related information before they take effect, provided that such changes are within our control. We reserve the right to modify fees/commissions, and your continued use of the Wallet and Services will be considered your acceptance of the terms, benefits, and fees. 12.2 Service Fees: In exchange for our agreement to provide services, you must pay us the fees outlined in (i) the quotation we provide to you when and if you request a quote from us; and (ii) the applicable notice via email/SMS from us and/or on the website (all fees stated therein shall be collectively referred to as “Fees”). 12.3 You acknowledge and agree that you will be responsible for paying any and all additional fees or special charges or Network fees or assessments related to transactions made through your Wallet and/or Card, including transactions related to international transactions, multi-currency wallets, travel, fuel transactions, no_auth (unauthenticated), which may affect us and significantly increase our costs related to the Wallet and/or Card. 12.4 All annual fees paid are non-refundable, even if privileges are suspended or terminated, or even if you cancel your account with us before the expiration date. 12.5 If a transaction is made in a foreign currency (not the local currency of where the Wallet is issued), we will convert the transaction amount to the local currency according to our customary practices. Unless applicable law requires a specific exchange rate, you permit us to select the conversion rate that we accept for that day; provided that if the Wallet is a Multi-Currency Wallet, the payment will first be deducted from those Multi-Currency Wallets corresponding to the merchant’s advertised currency for that goods or services; additionally, if the balance in the related Multi-Currency Wallet is insufficient, the remaining amount will be paid in Singapore Dollars at the rate we accept for that day. 12.6 We may refuse your transaction if there are insufficient funds in Singapore Dollars and/or Allowable Foreign Currency in the Wallet and/or Multi-Currency Wallets to pay for the transaction. You are solely responsible for determining the balance in Singapore Dollars and/or Allowable Foreign Currency in the wallet and ensuring that you have sufficient funds for all wallet transactions. 12.7 We may disclose the exchange rate when performing currency conversions. You shall indemnify us for any shortfall and be responsible for any losses and risks arising from the conversion. 12.8 Currently, the exchange rate we use for a transaction in foreign currency does not exceed (a) the highest official exchange rate published by a government authority, or (b) the highest interbank exchange rate determined by us from usual banking sources on the date of conversion or the previous business day. This exchange rate may differ from the rate in effect on the date you conduct the transaction. 12.9 Payment Method: All payments made hereunder must be executed in accordance with our instructions, including instructions regarding the payment method and the currency of payment, and must be made after deducting all bank charges (including any charges that may be imposed by the receiving bank), which will be borne by you. Unless otherwise specified by us, all payments made to us hereunder must be made in Singapore Dollars. 12.10 Taxes & Fees: The fees do not include any taxes, charges, or levies imposed or collected by local or foreign government authorities, financial institutions, or third parties in connection with the provision of services or under these terms and conditions (including any sales tax, use tax, value-added tax, transaction tax, goods and services tax, or similar taxes), all of which will be borne by you. In the event that any of your payments to us under these terms and conditions are subject to withholding tax, you must deduct the withholding tax from the payments to us and remit the remaining amount to us. You must provide the necessary supporting documentation to us regarding the payment of such withholding tax so that we can receive credit for the tax paid in our country of incorporation. Information and Your Consent 13.1 We may be required by law to provide information about you and your transactions to government or other competent authorities as described in our privacy policy. You acknowledge and agree to our doing so. 13.2 Singapore law requires all financial institutions to assist in the fight against money laundering and the financing of terrorism by collecting, verifying, and recording identification information from all customers. Therefore, we may request you to provide us with personal identification information, and we may also lawfully refer to other sources to collect information about you. In addition to the information you provide, our systems are programmed to collect certain anonymous data to help us understand how the services are being used and how we can improve them. This automatically collected data includes the IP address of your computer, statistics on how users navigate through the services, and information provided through the use of cookies. 13.3 Verification and Checks. We will verify your residential address and personal information to confirm your identity. We may also share your personal information with third-party service providers who may maintain records of that information. You can rest assured that this will only be done to verify your identity. All information you provide will be processed securely and in strict accordance with applicable laws. 13.4 By accepting these terms and conditions, you authorize us to (a) deduct fees and any outstanding amounts owed to us, specifically mentioned in paragraph 12.3 above, from your Wallet and/or Account; and (b) conduct any investigations we deem necessary to verify the information you provide to us. We may do this directly, for example, by requesting you to provide additional information, asking you to take steps to confirm ownership of your payment address or email address; or by verifying your information against third-party databases; or through other sources. 13.5 Privacy Policy. You agree to allow us to process your personal information for the purpose of providing the service, including verification purposes as stated in this clause. You also agree to allow us to use that data to communicate with you and for legal, accounting, and record-keeping purposes. You acknowledge that you have read and agree to our privacy policy. The privacy policy can be found here: https://www.matchmove.com/privacy-policy/, https://goonus.io/en/privacy-policy/ 13.6 You agree that we may (a) record telephone conversations between you and us, and (b) use those recordings, or electronic copies of those recordings, as evidence in any anticipated dispute or disagreement. To ensure the quality of customer service, you agree to allow us to monitor telephone calls between you and us over time. 13.7 Consent to Disclosure & Provision of Information. Information related to any access or use of the services or information collected from you may be shared by us with service providers, agents, business partners, and affiliated companies with whom we collaborate in connection with our business operations. Specifically, this information may be used for the following purposes, and you agree that we and/or our personnel may disclose any information, whether in Singapore or elsewhere:

To any of our agents, subcontractors, partners, or affiliated companies for legitimate business purposes to receive that information, including providing you with products or services related to or facilitating your use of the services;
To any agent, employee, subcontractor, or third party that we deem necessary to execute any electronic instructions or transactions or to comply with any orders or requests from any court or government agency or regulatory authority in any jurisdiction.

Disclosure of Information to Related Parties Information may be shared with the following parties if we deem the disclosure necessary to complete any transactions or carry out electronic instructions:

To any individual using the service who identifies themselves as you; and
To any organization or department that collects or processes information conducting surveys on our behalf; and
To third parties for the purposes of statistical or commercial analysis.

Electronic Instructions and Your Responsibilities 14.1 Security Code Access to and use of certain areas or features of the service are protected by passwords and/or security measures that are designated for authorized users only. You are not permitted to access or attempt to access unauthorized sections of the service or any protected information by any means not intentionally provided to you for specific use. You will be required to select or designate a password, personal identification number, login, and other codes, and/or implement certain access or security procedures (collectively referred to as “security codes”) for use in accessing the services or using features provided through the service. You agree to keep your security codes confidential. You must notify us immediately if you know or have reason to suspect that the security of your security codes has been compromised or if there is any unauthorized use of your security codes. 14.1 Security Code (continued) You agree to be bound by any access to or use of the service (whether such access or use was authorized by you or not) that is associated with your security codes. You acknowledge and agree that any use or access to the service involving your security codes and any electronic instructions will be deemed to be:

(i) use or access of the service by you; or
(ii) valid electronic instructions transmitted or issued by you.

Therefore, you agree and acknowledge that any use or access to the service and any information or data associated with your security codes will be regarded as (a) use or access of the service by you; or (b) information or data transmitted or issued validly by you. You agree to be bound by any access to or use of your security codes, whether such access or use was authorized by you or not, and you agree that we shall have the right (but not the obligation) to act on, rely upon, or hold you fully accountable and responsible for such access or use as if it had been performed or transmitted by you. 14.2 We have no obligation to investigate the authenticity or authority of the person executing electronic instructions or to verify the accuracy and completeness of electronic instructions. Therefore, we may regard electronic instructions as valid and legally authorized by you, effective and binding upon you, regardless of any errors, fraud, forgery, ambiguity, or misunderstanding in the terms of the electronic instructions. 14.3 Any risks of misunderstanding, error, loss, damage, or costs arising from the use of the service are solely your responsibility, and we will not be liable for such issues. 14.4 All electronic instructions will be considered irrevocable and unconditional once transmitted through the service, and we shall have the right (but not the obligation) to execute, implement, or process such electronic instructions without any further consent from you and without further reference to or notification to you. However, in certain cases, you may request to cancel or modify electronic instructions, which we will attempt to fulfill on a commercially reasonable effort basis. Nevertheless, despite the above, we are under no obligation to fulfill any request to cancel or modify any electronic instructions. 14.5 You acknowledge and agree that:

We may, at any time at our sole discretion and without giving any reason, require you to verify your identity by alternative means; require that any electronic instructions must be confirmed through alternative means (e.g., a direct submission at a branch, etc.);
We may refuse to execute electronic instructions at any time without prior notice or reason, including but not limited to: (a) verifying the authenticity of the instruction; (b) refusing to execute electronic instructions if they are unclear, incomplete, or inconsistent with other electronic instructions or your other instructions, information, and/or data; (c) refusing to execute if any electronic instruction would cause you to exceed your applicable transaction limits; or (d) refusing to execute electronic instructions when we do not receive authorization from other banks or financial institutions as required by us; and
Electronic instructions may not be processed immediately, around the clock, or within a specific timeframe, and we will not be liable for any loss, damage, or costs arising from any delays in processing or executing any electronic instructions.

14.6 Notwithstanding any contrary provisions in these terms and conditions, you acknowledge and agree that if we detect or are informed by service providers that funds will or have been sent as part of the service that will or have been debited from any online bank account or any other card account you have outside of the online bank account and/or card account you maintain with us, we may, at any time at our sole discretion and without giving any reason or notice, reverse any or all electronic instructions you have submitted or issued to us and/or impose an administrative processing fee for such reversal and/or terminate these terms and conditions and your right to use the service. 14.7 You agree to indemnify and hold us, our directors, officers, employees, agents, and assigns harmless from and against any claims, causes of action, lawsuits, liabilities, losses, or damages arising out of or in connection with your use of your account and the transactions conducted with that account in the following circumstances:

(a) interruption, malfunction, or delay related to or in connection with your use of your account due to circumstances beyond our control; unexpected events such as, but not limited to, prolonged power outages, computer system failures, communication device failures, computer-related errors, system errors, system upgrades, system migrations and integrations, storms, floods, civil unrest and natural disasters, any actions of government or regulatory authorities including the imposition of sanctions, export or trade restrictions, or other restrictions due to the outbreak of “epidemics” or “pandemics,” riots, strikes and work stoppages, delays by third-party suppliers, acts of God, and other unforeseen circumstances;
(b) fraudulent or unauthorized use of your account due to unauthorized disclosure, or breach of its confidentiality or security, whether or not involving your participation; or
(c) inaccurate, incomplete, or delayed information we receive due to interruption or malfunction of any communication device or electronic equipment used for your account.

Suspension, Cancellation, Termination, Non-Renewal Your account and/or Wallet, Services, or any part thereof may be cancelled by us at any time without prior notice to you. After cancellation, the account and/or Wallet, Services, or any part thereof may be restored in a manner and under the terms and conditions that we may determine at our sole discretion. 15.1 Right of Decision: Without the need to provide reasons or prior notice, and without affecting other terms in these terms and conditions, we have the sole discretion to decide:

(a) to refuse to approve any proposed transaction, even if the MatchMove wallet linked to the Wallet has sufficient balance;
(b) to terminate or cancel your right to use the account, Wallet, and Services;
(c) to increase or decrease transaction limits;
(d) to refuse to reissue, renew, or replace the Wallet; or
(e) to introduce, modify, change, restrict, terminate, or suspend any benefits, related services, utilities, and privileges related to or connected with your account and Wallet.

15.2 Termination by Us: Notwithstanding anything to the contrary, we may close and revoke any or all of your accounts, Wallets, and Services, with or without notice to you, if:

You fail to comply with our instructions regarding your Wallet account or Services, or you do not comply with any applicable laws;
We believe that you have (i) offered, promised, or given any bribes; or (ii) agreed to receive or accept any bribes;
In our opinion, any Wallet account is not functioning properly or regularly;
In our opinion, the business relationship with you is no longer appropriate;
You have breached any terms in these terms and conditions, or any other agreements related to borrowing or credit granting or other agreements;
You have provided us with false, misleading, inaccurate, or incomplete information;
You fail to make timely payment of any amounts due to us;
You die or become incapacitated;
You become insolvent or bankrupt or are adjudicated in court;
Your assets are at risk or enforced by any party under judgment;
Any legal proceedings (civil or criminal) or actions (including injunctions, seizure and sale orders, or prohibitions) are initiated or applied against you, or you have been convicted of a crime, or you or any guarantor have acted improperly;
Anything occurs that, in our opinion, may significantly or adversely affect your financial situation, assets, or compliance with the terms of these terms and conditions;
Any other default event occurs under any agreement or arrangement between us;
Any event or procedure under this clause occurs concerning any third party that has agreed to provide or is providing guarantees;
That would constitute a breach of our agreement with any other party;
That is necessary for us to meet any obligations, whether in Singapore or anywhere else in the world, related to the prevention of fraud, money laundering, terrorist financing, bribery, corruption, or tax evasion, or to enforce any economic or trade sanctions; or
It is illegal for us to continue providing the Wallet account or any Services or allow the use of the card.

15.3 You may, at any time, suspend, cancel, terminate, or reactivate your Wallet in accordance with these terms and conditions by taking the necessary steps specified. You acknowledge that such actions may incur a fixed fee for these changes. 15.4 Upon cancellation or termination of the account, Wallet, or any part thereof:

All benefits and privileges granted to you will immediately cease and revert to us;
You must not and shall not use your Wallet;
We may, at our sole discretion, decide not to process any confirmations or requests received from you after the effective date of termination;
We may, at our sole discretion, decide not to process any confirmations or requests received from us between the notice date to you and the effective date of termination (if there is a time gap between these two dates).

Intellectual Property Rights 16.1 The MatchMove services and all intellectual property rights related to them and contained therein (including but not limited to copyrights, patents, database rights, trademarks, and service marks) are owned by MatchMove Pay Pte Ltd. 16.2 The MatchMove services may only be used for purposes permitted by these terms and conditions or as described on the MatchMove website. You are only permitted to view and retain a copy of the pages on the MatchMove website for your personal use. You must not copy, publish, modify, create derivative works from, engage in the transfer or sale of, post on the internet, or distribute or exploit the MatchMove website, MatchMove services, or any part thereof for any public or commercial purpose without our written permission. You must not: (a) use any robot, spider, scraper, or any other automated device to access the MatchMove website or MatchMove services; and/or (b) remove or alter any copyright, trademark, or proprietary notices displayed on the MatchMove website (or printed pages from the website). The name MatchMove and other names and proprietary marks of our products and/or services mentioned on the MatchMove website are our exclusive trademarks or the exclusive marks of other third parties. Other product, service, and company names appearing on the website may be trademarks of their respective owners. 16.3 The Wallet and related Services, including services and products, are our proprietary assets and/or those of our licensors and must comply with our current policies, rules, and regulations. The Wallet and related Services are protected by copyright law, trade secrets, and other intellectual property laws. We and/or our licensors own the rights, copyrights, and other global intellectual property rights related to all services associated with the Wallet and related Services. The use of the Wallet and related Services does not grant you any rights to our trademarks or service marks. 16.4 For the purposes of these terms and conditions, intellectual property means all patent rights, copyrights, moral rights, advertising rights, trademarks, trade dress, service marks, rights, trade secrets, and other intellectual property rights, current or future, and all applications, registrations, renewals, and extensions of them, under the laws of Singapore and any other country, territory, or jurisdiction. 16.5 You may choose, or we may invite you, to submit comments or ideas regarding the Wallet and related Services, including but not limited to how to improve any service or product. By submitting any ideas, you agree that your disclosure is free, unsolicited, and not subject to any obligation or restriction and does not place us under any obligation of confidentiality or any other obligation, and that we are permitted to use the idea without additional compensation to you, and/or disclose the idea on a non-confidential basis or to anyone else. Notification 17.1 All notifications and documents that we are required to provide to you will be sent by any of the following methods:

Regular mail or registered mail to your last known address on our records;
Email to your last known email address on our records;
Posting notifications or communications on the wallet website;
Notifications accompanying any handwritten correspondence from the wallet sent to you;
Phone calls to your last known phone number on our records;
Notifications sent via any media; or
Any form of notification that we may determine at our absolute discretion.

17.2 Unless otherwise stated in writing, our notifications and communications to you will take effect:

If sent by mail to an address within your country, on the next working day after the date of sending;
If sent by mail to an address outside your country, 5 working days after the date of sending;
If sent by fax, email, or SMS, at the time of transmission;
If delivered by hand, at the time of delivery or when left at the address;
If posted on our website, on the date displayed or posted;
If advertised in a newspaper, on the date of the advertisement; and
If broadcast on radio or television, on the date of the broadcast.

Promotional Offers, Advertising, and Surveys You agree that your Personal Data will be collected, used, and disclosed by us in accordance with the Personal Data Protection Act 2012, for the purpose of providing all services. We may also send you advertising letters via postal mail, email, or through SMS, phone calls, or fax. You agree that we may disclose your Personal Data to business partners and third-party service providers for these purposes. In the case of joint account holders, you confirm that they have agreed to allow us to collect, use, and disclose their Personal Data. In this context, you agree that: 18.1 We may notify you of promotional offers via mail, email, fax, SMS, phone, or any other means of communication. You agree that we and our affiliates, as well as any third parties selected by either of them, may provide selected products and services specifically for you through any of the means of communication mentioned above. For this purpose, you agree that we may transfer and disclose customer information to our affiliates and third parties selected by either of them. 18.2 Third-Party Services and Links to Other Websites: You may be offered services, products, and promotions provided by third parties and not by us. If you decide to use these services, you will be responsible for reviewing and understanding the terms and conditions related to these services. You agree that we are not responsible for the performance of these services. 18.3 Our website may contain links to third-party websites as a convenience for you. The inclusion of any website links does not imply our approval, endorsement, or recommendation. You agree that accessing any such websites is entirely at your own risk and that those websites are not bound by the terms and conditions set forth in these terms and conditions. We expressly disclaim any responsibility for these websites. 18.4 If you wish to be removed from our mailing list for advertising, promotions, or surveys, or if you discover any inaccuracies in the information we hold or in the information we provide to third-party service providers, you must immediately notify us by contacting our customer service at +65 97250731 (WhatsApp messages only). Consent to Receive Advertising Messages and Push Notifications You agree and accept that we and our affiliated companies may send you advertising messages and push notifications, as well as notifications and announcements via SMS/email. However, if you choose not to receive these messages, you may submit a request to do so by following the unsubscribe instructions that we regularly send you. Compliance You must comply with all laws and regulations related to the use of value storage means and current regulations on anti-money laundering/anti-terrorist financing in your country of residence or in the country or territory where you are present when using the Wallet or Services. You must comply with all laws and regulations related to the use of the services and current regulations on anti-money laundering/anti-terrorist financing. For more information on anti-money laundering/anti-terrorist financing regulations, please visit: https://www.mas.gov.sg/regulation/anti-money-laundering/targeted-financial-sanctions. Limitation of Liability The services are provided on an “as is” and “as available” basis. We do not guarantee (i) the accuracy, completeness, or adequacy of the services, and expressly disclaim all liability for any errors, delays, or omissions on the Website, or for any actions taken in reliance on the Website; (ii) that the services will be provided continuously or without errors, or that any identified errors will be corrected, or that the services and Website will be free of any computer viruses or other harmful, destructive, or damaging codes, programs, or macros. No warranties, whether express or implied, including but not limited to warranties of non-infringement of third-party rights, title, merchantability, satisfactory quality, or fitness for a particular purpose, are provided regarding the services. In particular, you should be aware that when services are initiated or accessed via SMS, your mobile network provider’s confirmation that any SMS messages you send have been delivered to us or our service provider does not guarantee that we have acted upon, or even received, the electronic instructions contained in that SMS message. We may, from time to time and without prior notice or reason, upgrade, modify, suspend, or discontinue providing or remove, in whole or in part, the services or any information, functionality, services, or products provided therein, and will not be liable if any such upgrade, modification, suspension, or removal prevents you from accessing the services or related information, functionality, services, or products. Risks and Costs Associated with Using the Internet and Other Telecommunications Systems We do not guarantee the security of any information that you transmit or receive through the services, and you accept the risk that any information transmitted or received through the services may be accessed by unauthorized third parties. Transactions over the internet as well as messages sent via SMS may be interrupted, lost, or transmitted slowly due to internet traffic or inaccurate data transmission because of the public nature of the internet and SMS systems. You are responsible for obtaining and using the necessary services, software, and/or equipment to access the services, and you bear the risks and costs (including all charges imposed by your mobile network provider). Exclusion of Liability In no event shall we be liable to you or any other person for any loss, damage, or expense, regardless of the cause and regardless of the form of action (including breach of contract or strict liability) arising directly or indirectly in connection with any access, use, or inability to use the services, or reliance on any materials, even if we or our agents or employees have been advised or could have reasonably foreseen the possibility of such occurrence. We shall not be liable at any time for any indirect or consequential damages, even if foreseeable, within our discretion or even if we have been advised or could have reasonably foreseen the possibility of such occurrence. Information Available Through the Services The information displayed in the services or sent to you related to the services may come from various sources. All data and/or information contained in the services or sent to you regarding the services is provided for informational purposes only. We do not represent the accuracy, timeliness, completeness, or commercial value of all such information and/or data. You should not act based on data or information obtained through the services or sent to you regarding the services without verifying the content yourself. Refund Policy: We will refund you any benefits we receive due to a breach of contract with you (which means, for example, that when a money transfer transaction fails, we will refund you the transaction amount and service fees). We will not be liable in any case for: (i) any failure to execute your instructions due to circumstances reasonably deemed to be beyond our control; (ii) errors in communication devices that are reasonably not considered to be under our control and may affect the accuracy or timeliness of messages you send to us; (iii) any loss or delay in message transmission arising from the use of any internet service provider or due to any browser or software not under our control; and (iv) errors on the website or with the service due to incomplete or inaccurate information provided to us by you or third parties. In any event, we will not be liable for damages caused by the negligence of our employees, suppliers, or agents, or due to other causes, exceeding a total amount of 500 SGD. In no event will we or our agents be liable for any indirect, special, incidental, consequential, exemplary, or punitive damages, or similar damages. No Waiver of Rights No failure or delay by us in exercising any right or power granted herein shall be deemed to be a waiver of that right or power, nor shall any partial or single exercise of any such right or power preclude any other right or power provided herein. Furthermore, no waiver by us of any right or power under this agreement shall be deemed to have been made unless expressed in writing and signed by an authorized legal representative. Additional Communication Methods You agree to notify us of any additional means of communication with you beyond those disclosed in your wallet application. By this commitment, you authorize us, at our discretion but without obligation, to collect information from third parties such as, but not limited to, utility companies, insurance providers, and financial intermediaries, and to receive information on how and where you may be contacted. Transfer of Rights Waiver You agree that we may, without notice to you, assign, discount, or transfer in whole or in part our rights or obligations hereunder or under any wallet transaction. In the event of such an assignment, you may not invoke the right to assert any set-off against the assignee for any obligation we may owe to you. You may not assign your rights and obligations under these terms and conditions without our prior consent. Your Complaints Any complaint related to your Wallet and Services or their use must be reported to the wallet hotline or by contacting us through other means as per these terms and conditions. If we deem necessary, we will investigate the complaint to resolve it promptly and inform you of the investigation results. You agree to fully cooperate with any such investigation by providing the necessary or requested data, information, and documents. You must address any complaints against any Merchants or third parties directly with them. You cannot claim any set-off from us for any claims you may have against them. In the event of a dispute with any Merchant related to payment, any refund for the transaction will only be processed to you after the Merchant has refunded the payment to us. No Deposit Insurance Funds held in the MatchMove Mobile Wallet and value storage cards provided with the Mobile Wallet are not deposits insured under the Deposit Insurance and Policy Owners’ Protection Act (Chapter 77B of Singapore) and are not eligible for protection under the Deposit Insurance Scheme. Disclosure of Information We will maintain all your records and documents under the highest security conditions in accordance with the laws of the country in which you reside and that country’s privacy policies. Severability of Terms If any provision of these terms and conditions is found to be invalid by an arbitrator or a competent court, the parties agree that the arbitrator or court should strive to give effect to the intent of these terms and conditions as expressed in that provision, and the other provisions of these terms and conditions shall remain in full force and effect. Dispute Resolution MatchMove and you shall attempt to resolve any dispute or claim arising from or related to the creation, execution, termination, and/or breach of these terms and conditions primarily through good faith negotiation or mediation between the parties. Any claims or disputes arising from or related to these terms and conditions shall be resolved through mandatory arbitration at the Singapore International Arbitration Centre located in Singapore, and the award rendered by the arbitrator may be registered in any court of competent jurisdiction. Notwithstanding the foregoing, and solely with respect to breaches or threatened breaches of these terms and conditions, either party may seek a temporary restraining order or injunction to protect its legal rights without the necessity of posting a bond in any court of competent jurisdiction. General Provisions 30.1 Governing Law: These terms and conditions and all amendments thereto shall be governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions. 30.2 Good Faith Action: We may act on any instruction that we believe in good faith has been given by you in the course of our operations. 30.3 Dispute Resolution: Any disputes arising from or related to MatchMove’s services shall be resolved by final and binding arbitration. The arbitrator shall also decide any issues regarding the arbitrability of the dispute. The arbitration shall be administered by the Singapore International Arbitration Centre (“SIAC”) in accordance with the then-current SIAC Arbitration Rules (“SIAC Rules”), which are deemed to be incorporated by reference into this provision. 30.4 Indemnification: You agree to indemnify us and all of our employees, staff, agents, directors, and representatives for any losses and damages we may incur (except for losses and damages arising from the willful misconduct or negligence of our employees and agents) related to:

Any wallet account, service, or transaction;
The execution or delay or refusal to execute any instructions you give us;
Any searches and investigations we conduct regarding you or a guarantor;
Providing any services to you and carrying out our functions;
Any services provided by third parties;
Any breach or the maintenance or enforcement of our rights under these terms and conditions or any other applicable terms and conditions related to any wallet or related services or your failure to comply with any provision of these terms;
Any action by us or any party against you related to any Wallet, wallet account, or Services;
Our involvement in any proceedings related to the protection or related to any Wallet, wallet account, or Services;
Our compliance with any current or future laws or regulations or official directives related to any provisions of these terms;
Taxes we are required to pay related to your wallet account; and
Any additional costs incurred by us in our financing if there are changes in laws or circumstances.

30.5 Waiver: Any failure or delay by us in exercising or enforcing any rights we have under these terms and conditions shall not be deemed a waiver of that right and shall not cause the loss or impairment of our right to act strictly in accordance with our rights thereafter. 30.6 Illegality: We may close and revoke any Wallet, wallet account, or Services with or without notice to you if, due to any change in any current law, regulation, legal requirement, or judicial decision, or in our opinion, the maintenance or performance of any obligations under these terms and conditions becomes illegal, or we are prohibited from doing so. If this occurs, you must pay all amounts owed to us upon demand. 30.7 General Interpretation and Understanding:

In our view: when we make a decision on a matter at our discretion, that decision is made at our absolute discretion. When we act or refuse to act on any matter, including any instructions or transactions, we are not required to provide reasons for our actions or refusals unless required by law.
Timing: if we receive any instructions on a non-working day or after the specified time to complete or shorten the time, we may consider that instruction to be received on the next working day.

30.8 Amendments: We reserve the right to amend these terms and conditions at any time and for any reason we deem appropriate, and any such amendments shall become binding after notifying you by publication or other media, electronic or otherwise. This is effective unless you object to such amendments by expressing your intention to terminate your membership in writing within five (5) days of notification of the amendments. Your failure to notify us of your intention to terminate your membership as specified and your continued use of your Wallet and Services, or both, shall be deemed your definitive acceptance of those amendments. 30.9 External Links: Any external links to third-party websites on this website are provided as a convenience to you. These websites are not controlled by us in any way, and we are not responsible for the accuracy, completeness, legality, or any other aspect of these websites, including any content provided therein. You access these websites at your own risk. 30.10 Outsourcing and Authorization: We reserve the right to use any service providers, subcontractors, and/or agents under such terms as we deem appropriate. 30.11 Force Majeure: We shall not be liable for any failure to perform, error, interruption, or delay in the performance of our obligations or in the operation of the services, or for any inaccuracies, unreliability, or unsuitability of the materials or any content of the services if such failure, error, interruption, or delay is due, in whole or in part, directly or indirectly, to an event or failure beyond our reasonable control (including but not limited to acts of God, natural disasters, actions of any government or agency, power outages, and actions of a third party for which we are not responsible). 30.12 Security Notice: We take security matters very seriously at MatchMove, and we work diligently to use advanced security measures to ensure that your information remains secure. MatchMove’s services provide a safe and convenient way to send money to friends, family, and trusted individuals. However, we advise you to exercise caution before sending money to anyone you do not know well. In particular, be wary of deals or offers that seem too good to be true, as they may be scams. If you are aware of anyone or any entity using the service improperly, please email us using our contact form. Similarly, if you receive any emails claiming to be from us that you suspect may be phishing emails, please forward them to us through our contact form. 30.13 Contact Information: Any questions, notifications, refund requests, or additional information should be sent to us by contacting our customer service at +65 97250731 (WhatsApp text only), or by mailing to the following address: 30.13 Contact Information: Any questions, notifications, refund requests, or additional information should be sent to us by contacting our customer service at: MatchMove Pay Pte. Ltd. 137 Telok Ayer Street, #03-03, Singapore 068602 Email: [email protected] The MatchMove customer service team operates from Monday to Saturday, from 10:00 AM to 7:00 PM Singapore time. Please note that any requests received on Sundays and public holidays will be addressed on the next business day. Jade Finance UAB Vilnius, Žalgirio g. 88-101, LT-09303 Email: [email protected] or submit requests through the Jade application. SUPPLEMENTARY TERMS TO PROTECT USERS ACCORDING TO THE USER PROTECTION GUIDELINES FOR EPAYMENTS ISSUED BY THE MONETARY AUTHORITY OF SINGAPORE Account holders must provide contact information and follow notifications. 31.1 Account holders of the protected account must provide us with contact information at our request to send transaction notifications to the account holders. In the case where the protected account is a joint account, the account holders should collectively instruct us on whether we should send transaction notifications to any or all of the account holders. The responsibilities of the account holders in this section shall apply to all account holders for whom the Regulated Entity has been instructed to send transaction notifications. 31.2 Account holders must provide us with at least the following contact information, which must be complete and accurate:

(a) If the account holder has chosen to receive transaction notifications via SMS, their Singapore mobile phone number; or
(b) If the account holder has chosen to receive notifications via email, their email address.

31.3 The account holder is responsible for activating transaction notification alerts on any device used to receive transaction notifications from us and for monitoring the transaction notifications sent to the contact address. We may assume that the account holder will monitor those transaction notifications without any further reminders or notifications. Transaction Notifications 32.1 We will provide you with Transaction Notifications that meet the following criteria, as we are designated to send, related to all transactions (of any amount) made from or to your account (“Transactions Requiring Notification”).

(a) Transaction notifications will be sent to your contact address. If you have provided us with multiple contact addresses, Transaction Notifications will be sent to each contact address that you have chosen to receive such notifications.
(b) Transaction notifications will be sent in real-time for each transaction or in batches at least once every 24 hours to summarize all Transactions Requiring Notification made in the past 24 hours. We may, but are not obligated to, send both real-time notifications and daily batch notifications to you.
(c) Transaction notifications will be communicated to the account holder via SMS or email. In-app notifications will be accompanied by an SMS or email notification meeting the timeframe specified in subsection (b) above.
(d) Transaction notifications will contain the following information, but we may omit any sensitive information provided that the information given to you still allows you to identify that transaction as an authorized transaction or an unauthorized transaction:
- (i) Information that allows you to identify the Protected Account, such as the protected account number;
- (ii) Information that allows you to identify the Recipient, whether by name or other identifying information such as the recipient’s account number;
- (iii) Information that allows us to subsequently identify you, the Protected Account, and the recipient’s account, such as the account number or name of each account;
- (iv) Transaction amount;
- (v) Time and date of the transaction;
- (vi) Type of transaction;
- (vii) If the transaction is for goods and services provided by a business, the merchant’s trade name and, if available, the merchant’s reference number for the transaction.

Account users must protect the access code and access to the protected account. 33.1 You should not take any of the following actions:

(A) Voluntarily disclose any Access Code to any third party;
(B) Disclose the Access Code in an identifiable manner on any Wallet, Authentication Device, or any container for the Wallet; or
(C) Store a record of any Access Code in a way that allows a third party to easily misuse the Access Code.

33.2 If you store a record of any Access Code, you should make reasonable efforts to secure the record, including:

(A) Storing the record in a secure electronic or physical location that only the Account User can access or know about; and
(B) Storing the record in a place where it is unlikely to be discovered by a third party.

33.3 You must at least take the following actions when using a device to access the Protected Account:

(A) Update the device’s browser to the latest available version;
(B) Patch the device’s operating systems with regular security updates provided by the operating system provider;
(C) Install and maintain the latest antivirus software on the device, if possible; and
(D) Use a strong password, including a combination of letters, numbers, and special characters.

33.4 You should inform all other Account Users, if any, about the security guidelines or advice we provide. An Account User should follow the security guidelines or advice we provide to you. Reporting and Providing Information about Unauthorized Transactions 34.1 You should report any unauthorized Transactions to us as soon as possible after receiving a Transaction Notification alert for any unauthorized Transaction. 34.2 If you are unable to report the unauthorized Transaction to us immediately upon receiving the Transaction Notification alert, you should, if we request, provide us with the reason for the delay in reporting. This includes any periods or circumstances where it would be unreasonable to expect us to monitor the Transaction Notification. Reports should be made in any of the following ways:

(A) By reporting the unauthorized Transaction through the communication channel specified in this agreement; or
(B) By reporting the unauthorized Transaction to us in any other manner that we confirm we have received the report.

34.3 You should, within a reasonable time, provide us with any of the following information if we request it:

(A) The affected protected account;
(B) Your identification information;
(C) The type of authentication device, access codes, and the device used to perform the payment transaction;
(D) The name or identity of any Account Users for the account;
(E) Whether the account, authentication device, or access codes have been lost, stolen, or misused, and if so:
- (i) The date and time of the loss or misuse,
- (ii) The date and time the loss or misuse was reported to us, and
- (iii) The date, time, and method the loss or misuse was reported to the police.
(F) When any access codes are applied to the account, (i) how you or any Account User recorded the access codes, and (ii) whether you or any Account User disclosed the access codes to anyone else; and
(G) Any other information about the unauthorized transaction that you are aware of.

34.4 You should file a police report if we request you to do so to assist in the investigation of the complaint. Information on Recipient Authentication 35.1 When transactions are performed through internet banking, any mobile applications, or devices arranged by us for payment transactions, including payment kiosks, we will provide an opportunity on-screen for any Account User of the Wallet to confirm the payment transaction and the recipient’s authentication information before we carry out any authorized payment transactions. The on-screen opportunity will contain the following information:

(a) Information allowing the Account User to identify the protected account that will be debited;
(b) The intended transaction amount;
(c) The recipient’s authentication information, sufficient for the Account User to identify the recipient, including at least the recipient’s phone number, identification number, account number, or registered name for receiving those payments; and
(d) A warning requesting the Account User to verify the information before executing the payment transaction.

Reporting Channel 36.1 We will provide Account Holders of the protected account with a reporting channel for the purpose of reporting unauthorized transactions or errors. 36.2 The reporting channel must have all of the following characteristics:

(a) The reporting channel may be a hotline with a live operator, a phone number for receiving text messages, an online portal for receiving text messages, or a monitored email address.
(b) Anyone reporting through the reporting channel will receive a written confirmation of their report via SMS or email.
(c) We will not charge anyone for reporting through the reporting channel or for any services to assist with the report.
(d) The reporting channel must be available at any time during each calendar day, unless it is a hotline with a live operator, in which case the reporting channel will be available during business hours on each working day.

Complaint Investigation 37.1 We will, within reasonable limits and at our discretion, assess any complaints you make regarding any unauthorized transactions (“Related Complaints”) to evaluate your liability. When we have assessed that the related complaint does not fall within the scope of unauthorized transactions, we will address the complaint fairly and reasonably. We will notify you of the complaint resolution process and our assessment in a timely and transparent manner. 37.2 We may require you to provide a police report related to complaints about unauthorized transactions before we begin the complaint resolution process. Upon request, we will provide you with relevant information we have regarding all unauthorized transactions that have been initiated or performed from the protected account, including transaction dates, transaction times, and the parties involved in the transaction. 37.3 We will complete the investigation of any related complaints within twenty-one (21) working days for simple cases or forty-five (45) working days for complex cases. Complex cases may include instances where any party involved in the unauthorized transaction resides overseas or when we have not received sufficient information from the Account Holder to complete the investigation. Within these timeframes, we will provide each Account Holder, whom we have been instructed to send Transaction Notifications as specified in these terms, with a written or verbal report on the investigation results and our assessment of your liability. We will seek acknowledgment (not necessarily consent) from that Account Holder regarding the investigation report. 37.4 If you disagree with our assessment of liability, or if we have determined that the complaint falls outside the scope of unauthorized transactions, the parties may pursue other forms of dispute resolution, including mediation such as FIDReC. 37.5 We will credit your protected account with the full amount of any loss incurred from any unauthorized transaction as soon as we complete our investigation and assess that you are not liable for any losses arising from the unauthorized transaction. We will notify you of this arrangement when you report the unauthorized transaction and inform you of our investigation completion timeframe. Liability for Losses Arising from Unauthorized Transactions 38.1 You are fully responsible for actual losses arising from an unauthorized transaction when the negligence of any account user is the primary cause of the loss. Negligence includes situations where any account user deliberately fails to comply with the requirements of these terms. You must provide us with any reasonable information we may require to help us determine whether any account user has acted negligently. 38.2 To avoid misunderstandings, if any account user knows and agrees to a transaction (“Authorized Transaction”), that transaction is not considered an unauthorized transaction, even if the account holder may not agree with it. This also includes situations where any account user engages in fraudulent behavior to deceive either the account holder or us. In this case, the account holder will be fully responsible for the entire loss. 38.3 You are not responsible for any losses arising from an unauthorized transaction if the loss arises solely from any act or omission on our part and does not result from any non-compliance by the account user with any obligations in this agreement. 38.4 Any act or omission on our part includes the following:

(a) Fraud or negligence on our part, our employees, our agents, or any outsourced service provider we contract to provide services through the protected account.
(b) Our non-compliance or that of our employees with any requirements imposed by regulatory authorities related to our provision of financial services.
(c) Our non-compliance with any obligations set forth in this agreement.

38.5 You are not liable for any losses arising from an unauthorized transaction that do not exceed $1,000, if the loss arises from any act or omission by any third party not mentioned in paragraph 37.4 above and does not result from any non-compliance by any account user with any obligations under this agreement. 38.6 In the case that the protected account is a joint account, the responsibility for losses stipulated in this section applies collectively to each account holder in the joint account. 39.1 When you notify us in accordance with this section that you or an account user has initiated a payment transaction from a protected account that resulted in funds being sent or transferred to the wrong recipient (“Erroneous Transaction”), we will promptly notify the financial institution of the incorrect recipient about this Erroneous Transaction and will make reasonable efforts to recover the mistakenly sent funds. 39.2 For the purposes of the above section, reasonable efforts mean the following: (a) When we are the financial institution of the account holder:

(i) Within two business days after receiving the necessary information from you under this section, we will notify the financial institution of the incorrect recipient about the erroneous transaction.
(ii) Within seven business days after notifying the financial institution of the incorrect recipient, we will request a response from the financial institution and provide you with any new relevant information to allow you to assess whether you should report the erroneous transaction to the police.

(b) When we are the financial institution of the incorrect recipient:

(i) Within two business days after receiving the necessary information about any erroneous transaction, we will:
- Notify the recipient about the erroneous transaction and provide all necessary information to enable the recipient to determine whether the transaction was indeed erroneous.
- Ask the recipient for instructions on whether to return the mistakenly sent funds to you.
- Inform the recipient that retaining or using the mistakenly transferred funds after receiving notice of the erroneous transaction is a criminal offense under criminal law.
(ii) Within five business days after receiving the necessary information about any erroneous transaction, we will:
- Ask the recipient for instructions on whether to return the mistakenly sent funds to the account holder.
- Notify the other financial institution about the recipient’s response, including any lack of response.

To assist financial institutions in recovering mistakenly sent funds, you should provide us with any of the following information if we request it:

(a) All information that we may request as stipulated in section 33.3;
(b) Unique identifying information of the recipient, including account number, identification number, name, or other authentication information entered by the account user; and
(c) The date, time, amount, and purpose of the erroneous transaction to the extent that you know that information.