1. GENERAL
1.1 These Terms and Conditions are the terms and conditions for the use of the Services and/or any other services and/or activities provided by us, MRuncit Commerce Sdn Bhd (1011948-T) a company incorporated in Malaysia and having its principal business address at A-16-03, EkoCheras, No 693, Jalan Cheras Batu 5, 56000 WP Kuala Lumpur (“MCSB”) with in partnership with Grand Surf Sdn Bhd (Co. No.: 200101011387(547143-T)) to our Customer.
1.2 You are advised to and shall be deemed to have read these Terms and Conditions carefully before registering and creating a RedPay Account and/or start using the Services. By registering, accessing and using the Services, you shall be subjected to and hereby agree to be bound by the provisions of these Terms and Conditions.
1.3 Upon your acceptance and agreement to register and create a RedPay Account, these Terms and Conditions constitute a legally-binding agreement between MCSB and you. If you do not agree with these Terms and Conditions, in whole or in part, please discontinue with the registration process and the use of Services.
2. DEFINITIONS
2.1 For the purpose of these Terms and Conditions, the words and expressions used or referred to herein shall have the following meaning:-
- “Customer(s)” means the person registered for a RedPay Account for the Services;
- “MCSB” refers to MRuncit Commerce Sdn Bhd (1011948-T) a company incorporated in Malaysia and having its principal business address at A-16-03, EkoCheras, No 693, Jalan Cheras Batu 5, 56000 WP Kuala Lumpur;
- “RedPay” means the payment instrument that stores funds electronically in exchanged of money paid to MCSB and is able to be used as means of making payment for goods, products and services purposes through MRuncit from the Merchant;
- “RedPay Account Limit” means the maximum amount of RedPay that can be stored in a Customer’s RedPay Account at any point in time;
- “Merchant” means merchants, vendors, persons, corporations or entity registered with MCSB to offer products and/or services to the Customers;
- “Reward Points” means points awarded to the Customer for Top-Up RedPay and product purchases provided by MCSB which can be used to redeem selected products and services on MRuncit;
- “MRuncit” means the website bearing the domain of http://www.mruncit.com and any other related microsites and/or mobile applications operated by MCSB with the name of MRuncit Mobile App, RedPay Mobile App or such other names so determined by MCSB from time to time;
- “RedPay Account” means account created by the Customer in order to access and utilise the including without limited to make payment for goods, products and services through RedPay;
- “MSISDN” means Mobile Subscriber Integrated Services Digital Network, which is the mobile phone number for which Customer has been applied;
- “Services” means all services made available to Customers within MRuncit Payment System, including but not limited to registration of RedPay Account, stored value service (via RedPay) and RedPay Top-Up services;
- “MRuncit Payment System” means the payment system platform commissioned by MCSB to facilitate the payment of goods, products and services; and
- “Top-Up” means the transaction of depositing money in exchange for RedPay through channels designated by MCSB.
3. REGISTRATION AND ELIGIBILITY
3.1 To access to and utilize the Service, you are required to register and create a RedPay Account. By registering and creating a RedPay Account, you warrant that you are at least Eighteen (18) years of age. In the event you are below the age of Eighteen (18), you shall obtain the necessary parental and/or legal guardian consent to proceed with the registration process.
3.2 For registering and creating a RedPay Account and in order to access and utilise the Services:-
- you must be a registered subscriber of any telecommunication provider in Malaysia; and
- you must provide personal details such as your full name, identity card number or passport number, email address, phone number, mailing address, date of birth, nationality and such additional information or supporting documents may be required by MCSB; and
- you must create a username and password to log-in and access to RedPay Account.
3.3 In the event incorrect phone number is inserted, RedPay Account will not be able to link and access to MRuncit. Whereupon, Customer may opt to create another new RedPay Account or replace a valid and active phone number.
3.4 RedPay Account shall be effective from the date where Customer’s registration is approved and verified by MCSB, which will be signified by availability of RedPay Account to the Customer. MCSB shall have the absolute discretion in approving, declining and/or suspending all and any registration and/or request to create a RedPay Account, with or without cause. Once a RedPay Account is approved for usage, it shall remain effective until and unless it is terminated in accordance with these Terms and Conditions.
3.5 Upon registration, Customer shall enter a six (6) digit unique number of Transaction Authorization Code (TAC) delivered to Customer’s phone for the authentication purpose.
3.6 To utilize the Services of making payment through MRuncit, Customer is required: 1. to have his bank account enabled for online banking transaction (FPX) to Top-Up RedPay; 2. to have his bank 3D-secure Credit Card account to make payment through credit card (iPay88 or such other payment gateway services available);
3.7 MCSB offers two (2) types of RedPay Account to the Customer, namely: 1. Value Member – for Customers who opt for prepaid-deposit system whereby one will be required to purchase, top-up and/or store RedPay in his RedPay Account in order to make purchases; and 2. Regular Member – for Customers who opt to payment through the normal payment system platform commissioned by MCSB to facilitate the payment of products and services. RedPay Account for both value member and regular member are free from any registration fee.
3.8 In the event that Customer wishes to cancel and delete the RedPay Account after registration, MCSB will take an immediate action to do so. Any RedPay balance (if any) shall be refunded through correspondence process with Customer.
3.9 The Customer is prohibited from registering a RedPay Account using false information and/or other person’s details. Anyone caught impersonating other Customer or any other party(ies), whether an individual or another legal entity, will be responsible for any costs and/or losses incurred as a result of their fraudulent activity. Improper use of RedPay and/or RedPay Account may result in immediate termination / suspension of RedPay Account and report will be lodged by MCSB to the relevant authorities.
4. WARRANTIES AND RESPONSIBILITIES
4.1 By registering, maintaining and using a RedPay Account, the Customer warrants represents and undertakes the following, that:
- the information provided is, and shall at all time remains, true and correct;
- he has the legal capacity, authority and ability to enter into and accept these Terms and Conditions;
- he shall not use the Services for any illegal activities (including without limited to money laundering and illegal money-lending activities) and/or in such manner that is in violation to any applicable laws or regulations;
- he shall not breach any provisions of these Terms and Conditions; and
- he shall comply with all applicable laws, ordinances, codes, rules, regulations, notices, instructions and/or directives of the relevant authorities or any notices, instructions, directives or guidelines given by MCSB in connection with MRuncit Payment System.
4.2 Username and Password
- RedPay Account is accessible via the username and password created and maintained by the Customer. Customer shall be solely responsible for safeguarding and protecting his username and password at all times.
- All activity(ies) that occurs on its RedPay Account shall be deemed to have been validly carried out by the Customer.
- In the event Customer shares his credential with any other party or allow any other party to access to and use his RedPay Account, Customer being the account holder shall be solely liable and responsible for all transactions carried out therein. MCSB will not be liable in whatsoever manner for any losses caused by an unauthorised use of the RedPay Account
- If there is any breach of security or any unauthorized access to the RedPay Account, Customer shall immediately notify MCSB in the manner as set out in these Terms and Conditions.
4.3 RedPay Account Transactions
- MCSB does not provide any hardcopy statement of account in respect of RedPay Account. The Customer shall be responsible for all his/her transactions and for keeping track of his/her RedPay Account through his/her account history.
- The Customer shall be responsible to check and verify all transactions in its RedPay Account including without limitation, the transaction amount and recipient information for third-party Family and Friend Service. MCSB shall not be obligated to process any request for reversal of wrongful entry as a result of Customer’s negligence
4.4 Abusing the RedPay Account may result in immediate termination or suspension of a RedPay Account. MCSB reserves the right, from time to time, to request from the Customer additional information in which case the Customer shall provide the information so required failing which the RedPay Account may be terminated and/or suspended by MCSB at its sole discretion.
4.5 The Customer shall immediately notify MCSB upon receipt of incomplete, garbled or inaccurate data or information or any data or information, which is not intended from MCSB or any doubtful information or message. The Customer shall delete such data or information from his mobile phone.
4.6 The Customer acknowledges that the Customer’s name and MSISDN and such other personal information may be made available for identification purpose to another Customer, bank, Merchant, and/or its appointed payment gateway service provider(s) for the purpose of performing a payment process or transaction.
4.7 MCSB, Merchants, and/or its appointed payment gateway service provider(s) shall not be liable for any losses suffered by the Customer’s use of the RedPay and/or RedPay Account (which would include, without limitation, the Customer’s careless management of RedPay or RedPay Account; and disclosing his username and password to any third party).
4.8 MCSB makes reasonable efforts to ensure that requests for payments involving bank accounts, credit cards and 3rd party payment gateway are processed promptly. MCSB make no representations or warranties regarding the amount of time needed to complete transactions because our Service is largely dependent upon many factors outside of our control.
4.9 Where prescribed account and transaction limits are applicable to specific purchases or other transactions by the Customer, have been notified to the Customer, the Customer shall not exceed the prescribed set limit unless prior written approval to exceed these limits are obtained by the Customer from MCSB. 4.10 Notwithstanding that a prescribed RedPay Account and RedPay Account Limits may not be notified to the Customer, MCSB may from time to time at its sole discretion set such limits for its control purposes without informing the Customer.
5. TERMS OF USE OF THE SERVICES
5.1 RedPay is made available by MCSB at its absolute discretion, for the following:
- the payment for purchase of products and services provided by MCSB and the Merchant in accordance with these Terms and Conditions; and
- such other new services as may be introduced by MCSB from time to time.
5.2 RedPay is NOT made for and/or be used for the following purposes:
- Withdraw Cash
- Cash-in or Cash-out
- Remittance
- Transferring points between Customer(s) through RedPay Account
- Pledged or used in any matter as form of security for any purposes whatsoever.
5.3 RedPay can solely be used via online through MRuncit website – www.mruncit.com and via mobile client through MRuncit Mobile App and RedPay Mobile App.
5.4 RedPay is not transferable or assignable to any third party without MRuncit’s prior written permission and shall be used exclusively by MRuncit Customer.
5.5 Customer may store and Top-Up his RedPay using channels authorized by MCSB up to RM200.00 per transaction.
5.6 Customer is eligible to receive amount of MRewards, for the following conditions:
- Top-Up RedPay based on the denominations; and
- Purchase products available solely at MRuncit.
5.7 Any payment made by Customers through RedPay Account shall be recorded in MCSB’s database, MCSB will record the beneficiary in its computer database and RedPay will be debited and/or credited up to an amount equal to the payment received (subject to, as the case may be, the Services used by Customer).
5.8 MCSB shall not be liable for any costs, loss or damage (whether direct or indirect) or for loss of revenue, loss of profits or any consequential loss whatsoever as a result of Customer’s use of RedPay for unauthorised purposes as stated on Clause 5.2.
5.9 In the effort to provide safe operations, reliable and quality Services to the Customer, MCSB may perform the following safety, security and operational reliabilities precaution measures on MRuncit Payment System:
a) Blacklist Database
- All blacklisted username, IP address and emails by MCSB will be rejected when attempting to register and/or transact through MRuncit. Blacklisted database is based on the following categories:
- Suspected several failed attempts through credit card
- used for any or such other transactions in MCSB’s reasonable opinion view that there is unusual, irregular, suspicious, fraudulent, illegal or authorised activity carried out. b) Fraud Monitoring – MCSB has established fraud unit to identify traits and patterns that are associated with fraudulent orders. c) 3-D Secure Compliance – “Verified by Visa” (by Visa) and “MasterCard SecureCode” (by MasterCard) is new authentication which involve cardholders to authorize the online transaction by entering their security password or answer some security questions by the card issuer.
b) Fraud Monitoring – MCSB has established fraud unit to identify traits and patterns that are associated with fraudulent orders.
c) 3-D Secure Compliance – “Verified by Visa” (by Visa) and “MasterCard SecureCode” (by MasterCard) is new authentication which involve cardholders to authorize the online transaction by entering their security password or answer some security questions by the card issuer.
5.10 Risk
- Customer acknowledges that the Customer shall use RedPay and/or RedPay Account at its own risks.
- The Customer shall be solely liable for all losses and damages arising from and in connection with the use of RedPay and/or RedPay Account, including without limited to:-
a) the risk of loss arising from insolvency of MCSB;
b) cessation, termination or disturbance Services; and
c) lost or stolen RedPay stored in RedPay Account as a result of breach of security, fraudulent transactions and unauthorized access.
6. FEES AND CHARGES
6.1 Customer shall be responsible for all fee and/or charges imposed by certain payment networks for using their channels to perform transaction.
6.2 Customer is entitled to request for a refund on RedPay available balance, Customer shall agree to accept the refund after deducting administration fee as specified by MCSB.
6.3 If Customer is entitled to a refund on payment made for product purchase, Customer shall agree to accept the refund to be deposited directly onto Customer’s designated bank account / Credit Card Account with fee and/or charges imposed as specified by MCSB.
6.4 To Top Up RedPay, the Customer will be imposed with the following fees and charges imposed to top up RedPay:
Payment Methods: Credit Card
Payment Methods Fees & Charges imposed on RedPay: Nil
Payment Methods: Online Banking (FPX)
Payment Methods Fees & Charges imposed on RedPay: Nil
6.5 Refund RedPay:
Details: Refund Fee
Charges: RM 2
7. REFUND, RETURN AND CANCELLATION POLICIES
7.1 All items of products sold or purchased in MRuncit are not returnable, refundable nor exchangeable and cannot be cancelled, unless otherwise specified stated on the relevant product page.
7.2 Refund, Return and Cancellation are only applicable for RedPay and the refund, return and cancellation of RedPay are available in the following conditions:
- Multiple payments: RedPay deducted more than once (multiple times) for the same transaction;
- Deactivated account: Customer’s RedPay Account is terminated due to certain reasons, and left some amount in RedPay available balance;
- Customer’s bank account debited, but RedPay failed to be deposited;
- RedPay debited but product failed to be delivered; and
- In the event:
a) Customer wishes to cancel or delete his RedPay Account; or
b) Dispute/Chargeback case in Customer’s favor. Customer may request for refund of RedPay in the manner as set out in Clause 7.4 below.
7.3 Customer further agrees that:
- Should RedPay Account is terminated or suspended by MCSB, MCSB shall not be obliged to refund or return the RedPay in the form of real currency (MYR) until clearance is obtained from the relevant authorities (including but not limited to the banks, payment gateways, etc).
- If Customer initially paid for RedPay Top Up via credit card and dispute is in Customer’s favor, refund will be processed by the respective credit card bank issuer and may take up to 14 days according to iPay88 (or such other payment gateway service provider) and bank’s procedures.
- If Customer initially paid for RedPay Top Up via online banking and dispute is in Customer’s favor, refund will be processed via IBG/TT/FPX/myclear/MEPS and may take up to Three (3) working days for the refunded amount clearing.
7.4 Customer may put in the request for refund to support@mruncit.com or to be mailed to MRuncit’s Business address and MRuncit will respond within 48 hours (working days) upon receipt of Customer’s request. All requests for refund should include identifying information and such other item as may be specified by MCSB from time to time.
8. DISPUTES AND COMPLAINTS
8.1 Any disputes regarding RedPay Account and/or RedPay transactions and/or billing must be communicated in writing to MRuncit’s customer service within three (3) months from the date of such transaction(s) and Customer shall furnish with all necessary supporting documents as and when requested.
8.2 If MRuncit does not receive written notice within three (3) months, Customer are deemed to have agreed that bills and transactions are accurate and shall pay the amount as billed for using RedPay. An administrative charge may be imposed for dispute raised by Customer.
8.3 Customer agree and consent to the disclosure and release by MRuncit of any information in the possession of MRuncit pertaining to the Customer, the particulars of the transaction(s) or any designated account relating to the transaction(s) for the purpose of investigating any claim or dispute arising out of or in connection with the transaction(s) under MRuncit.
8.4 Customer may report any complaint or raise any report (including un-authorised access, fraudulent transaction) through hotline (03-91347455) and drop email to support@mruncit.com . MRuncit will response within [*] upon receipt of Customer’s compliant or report.
8.5 Customers are required to provide Full name, phone number and Transaction ID when lodging any compliant and/or report.
8.6 Any dispute raised, Customer further agrees that should MCSB terminate/suspend RedPay Account, MRuncit shall not be obliged to refund or return any RedPay in the form of real currency (MYR) until clearance is obtained from the relevant authorities. If any refund, shall be pursuant to Clause 8.
9. REPRESENTATION AND WARRANTIES : DISCLAIMER
MRuncit is provided on an “AS IS” basis without any representations or warranties of any kind whether express or implied to the fullest extent permitted by law.
9.1 Although MCSB will use reasonable endeavors to ensure that MRuncit is secure and cannot be accessed by unauthorized third parties, MCSB does not warrant the security or confidentiality of any information transmitted through the MRuncit Payament System or such other equivalent system in any jurisdiction via MRuncit.
9.2 It is expressly agreed and declared by all parties hereto that MCSB shall not be liable or responsible to the Customer and/or any other person(s) for any losses, damages, costs or expenses whatsoever suffered by such person(s) arising out of or in connection with the issue, use, withdrawal and/or termination of RedPay resulting from or in consequence of any act or omission by MCSB except in the case of willful default by MCSB, for which such liability shall be limited to the amount of actual loss only.
9.3 MCSB shall not for any reason whatsoever be liable for damages suffered or loss by the Customer under any circumstances whatsoever whether or not such circumstances relate to or arise out of these Terms and Conditions including but not limited to non-acceptance for any reasons whatsoever of MRuncit by any Merchant, person or body, restriction or cancellation of the RedPay Account, or under any other circumstances.
10. LIMITATION OF LIABILITY
To the fullest extent permitted by laws, MCSB shall not be liable, whether directly or indirectly, for (a) loss of actual or anticipated profits, (b) loss of goodwill, (c) loss of business, (d) loss of data and/or the costs of restoration of data, and/or (e)any consequential loss or damage howsoever caused. Without prejudice to the generality of the foregoing, the entire liability of MCSB for all claims made in respect of or in connection with these Terms and Conditions, howsoever arising, shall in no circumstances exceed the amount equivalent to the relevant and/or disputed payment transaction made by the Customer through MRuncit Payment System.
11. TERMINATION /SUSPENSION
11.1 MCSB may at its absolute discretion immediately terminate, suspend, impose conditions or restrictions on the Customer in respect of the use of RedPay Account at any time and from time to time, for any reason whatsoever
11.2 Notwithstanding the generality of Clause 11.1 above, MCSB reserves the right, at its absolute discretion and at any time, to immediately suspend/terminate the Customer’s use of RedPay Account for any reason, including without limitation the following circumstances:
- in the opinion of MCSB, the Customer involved in anything which is dishonest, fraudulent, illegal, misrepresentation and/or criminal in nature;
- the Customer is in breach of any of the provisions of these Terms and Conditions or engages in any conduct prejudicial to MCSB or MRuncit Payment System;
- the Customer is in breach of any acts, statutes, laws, by-laws, rules and/or regulations imposed by any party, regulatory body or government agency;
- the Customer has submitted false documents or declares false information in relation to the registration for RedPay Account for such other purposes in connection with MRuncit Payment System.
12. CONSEQUENCES OF SUSPENSION / TERMINATION
12.1 Upon termination, all RedPay available balance shall be refunded upon request made by the Customer after deducting administration fee as specified by MCSB.
12.2 The Customer further agrees that should MCSB terminate/suspend RedPay pursuant to Clause 11.1, MCSB shall not be obliged to refund or return any RedPay in the RedPay Account until clearance is obtained from the relevant authorities.
12.3 MCSB shall not be performing reconnection or reactivation of Customer’s RedPay Account upon termination. In the event where Customer wishes to do so, Customer only enable to create another new RedPay Account.
13. AMENDMENT AND MODIFICATION OF AGREEMENT
13.1 Unless expressly stated otherwise, in the event MCSB has amended or modified these Terms and Conditions, the procedures, the mode of operation of RedPay Account as well as regulations, procedures or fee rates in relation to MRuncit Payment System, a Twenty-One (21) days prior notice will be given to the Customers by MCSB.
13.2 The Customer by continuing using, accessing and utilizing the Services after the effective date of such amendments or modifications, the Customer shall be deemed to have agreed to the same and shall by bound accordingly. The Customer further agrees that, he will comply with all instruction manuals and other documents in relation to MRuncit Payment System, whether current or subsequently issued by MCSB.
14. UNCLAIMED MONEY
14.1 All sum of money (RedPay deposited in MCSB’s bank account) that has not been operated (transaction not active) in whatever manner by the Customer for a period no less than Seven (7) years will register as unclaimed money.
14.2 The Customer (owner of the unclaimed money) hereby agrees that, he/she may recover the moneys from registrar in such manner as provided under the relevant rules and regulations under the Unclaimed Money Act 1965.
15. GENERAL
15.1 Indemnity To the fullest extent permitted by the laws, the Customer shall defend, indemnify and hold MCSB, its affiliated and related entities, and any of its respective officers, directors, agents and employees, harmless from and against any claims, lawsuits, investigations, penalties, damages, losses or expenses (including, but not limited to, reasonable legal fees and costs) arising out of or relating to its:
(a) breach (or alleged breach) of the terms of these Terms and Conditions; and
(b) breach of any laws, rules and regulations and/or abuse in MRuncit Payment System.
15.2 Severability If any provision of these Terms and Conditions is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect.
15.3 Governing Laws These Terms and Conditions shall be governed by the laws of Malaysia and the parties agree to submit to the jurisdiction of the courts of Malaysia in the event of any claims or disputes.
15.4 Notice Any notice, request or demand required to be served to the Customer by MCSB under these Terms and Conditions and/or under any rules and regulations pertaining to MRuncit Payment System, shall be in writing and shall be deemed to be sufficiently served or made if it is sent to the Customer by email to his email address recorded in his RedPay Account.
15.5 Customer Service
– The Customer contact our customer service team for any query, complaint and/or report through:
- Hotline – 03-91347455
- Email – support@mruncit.com
- Address – A-16-03, EkoCheras, No 693, Jalan Cheras Batu 5, 56000 WP Kuala Lumpur
– The Customer may contact the following authorities for any dissatisfaction or complaint on MCSB:
- BNMLINK
Bank Negara Malaysia Blok D, Jalan Dato’ Onn 50480 Kuala Lumpur - BNMTELELINK
Jabatan Komunikasi Korporat Bank Negara Malaysia P.O.Box 10922 50929 Kuala Lumpur - Tel: 1-300-88-5465 (LINK)
- Fax: 03-2174 1515
- E-mail: bnmtelelink@bnm.gov.my
15.6 Application Store Developer Disclaimer None of any application store developer including but not limited to Apple, Google and Huawei is affiliated, involved, endorsed, sponsored, or associated in anyway with all contests organised and displayed on RedPay, unless otherwise stated.