1. Acceptance of Terms

These App Usage Terms and Conditions constitute an agreement between you and Safe Pass Services concerning your access to and use of My Reward Cards, My Reward Merchant, related portals, websites and services collectively referred to as the “Platform”.

By registering, downloading, accessing or using the Platform, you confirm that you have read, understood and agreed to these Terms and our Privacy Statement.

If you do not agree, you must not register for, access or use the Platform.

2. Platform Operator

The Platform is operated by Safe Pass Services in Malaysia. References to “we”, “us” or “our” mean Safe Pass Services unless the context indicates otherwise.

Participating merchants remain independently responsible for the products, services, reward programmes, promotions, points, tokens and transactions that they offer.

3. Eligibility and Legal Capacity

You must have legal capacity to enter into these Terms. Where you do not have such capacity, the account must be created or used with the involvement and permission of a parent, legal guardian or authorised representative.

A person registering on behalf of a merchant, company, partnership or other organisation confirms that they are authorised to bind that organisation to these Terms.

4. Accounts and Registration

You must provide accurate, current and complete information during registration and keep that information updated.

• You are responsible for protecting your login credentials, PIN, verification codes and registered devices.
• You must not share an individual account with an unauthorised person.
• You are responsible for activity performed through your account unless caused by circumstances for which we are legally responsible.
• You must notify us promptly if you suspect unauthorised access, misuse or loss of account credentials.

We may require email, mobile-number, identity, merchant, employee, branch or other verification before enabling particular functions.

5. Platform Services

The Platform may provide functions including:

• digital reward cards for multiple participating merchants;
• merchant memberships, points, redemptions and reward records;
• QR-based member and transaction functions;
• merchant offers, advertisements and promotions;
• merchant store-credit tokens;
• branch, employee, role and location controls;
• in-app messages and notifications;
• merchant and agent reports; and
• other current or future services.

Available functions may differ according to your account type, country, merchant, device, app version or subscription.

6. Merchant Rewards, Points and Redemptions

Reward points are issued by participating merchants under their respective reward programmes. Unless expressly stated otherwise:

• points earned from one merchant are separate from points earned from another merchant;
• points may only be redeemed against rewards made available by the relevant merchant;
• points are not legal tender, bank deposits, electronic money or general-purpose payment instruments;
• points have no cash value and cannot be exchanged for cash;
• merchants may set qualification, expiry, redemption, campaign and promotional conditions;
• reversed, cancelled, refunded or fraudulent transactions may result in points being removed; and
• points may be corrected where an error, duplication or unauthorised transaction is identified.

7. Merchant Store-Credit Tokens

A participating merchant may offer prepaid store credit in the form of merchant-specific tokens. For example, a merchant may offer 110 tokens for a payment of RM100.

• Tokens are issued by and remain the responsibility of the relevant merchant.
• Tokens may only be used with that merchant and its approved branches unless expressly stated otherwise.
• Tokens cannot be used with unrelated merchants.
• Tokens are not bank deposits, investments, securities, loans, general-purpose electronic money or cryptocurrency.
• Tokens are not redeemable for cash unless required by applicable law or expressly allowed by the merchant.
• Bonus tokens may be subject to separate expiry, usage or promotional conditions.
• Token purchases and refunds are subject to the relevant merchant’s stated terms and applicable law.

8. Merchant Accounts, Employees and Branches

Merchants are responsible for ensuring that their business, branch, employee, promotion, product and reward information is accurate and lawful.

• Merchants must assign appropriate access roles to managers and employees.
• Merchant administrators are responsible for removing access when an employee changes role or leaves the business.
• Employees must only use functions authorised for their role.
• Non-manager employee accounts may only operate within approximately 100 metres of an approved branch GPS location.
• Merchants are responsible for registering correct branch locations and monitoring authorised users.
• Merchants must honour valid points, token balances, redemptions and offers issued under their programmes, subject to disclosed conditions and applicable law.

9. Agent Accounts and Activities

Agents may introduce merchants, support onboarding and perform other authorised business-development activities.

• Agents must not make false, misleading or unauthorised representations about the Platform.
• Agents must not promise income, commissions, rewards or benefits that have not been officially approved.
• Agent benefits, commissions or incentives are subject to separate programme rules and eligibility requirements.
• Agents must protect merchant and user information obtained through their role.

10. Fees, Purchases and Payments

Certain services, plans, tokens, advertisements or merchant features may require payment.

• Applicable prices and fees will be displayed or otherwise communicated before purchase.
• Payments may be processed by third-party payment service providers.
• You must provide valid payment information and have authority to use the selected payment method.
• Taxes, charges or payment-processing fees may apply where stated.
• Refunds, cancellations and reversals are subject to applicable law and the terms presented for the relevant transaction.

Safe Pass Services is not a bank and does not provide banking, deposit, loan, investment or financial-advisory services.

11. In-App Messages and Communications

You agree that we may send essential account, security, transaction and service communications.

Participating merchants may send permitted birthday, promotional, festive, campaign or informational messages, including attached graphics or templates, subject to applicable requirements and available preferences.

Merchants must ensure that their messages are lawful, accurate, appropriate and do not infringe third-party rights.

12. Prohibited Conduct

You must not:

• use the Platform for unlawful, fraudulent, deceptive or abusive purposes;
• create false accounts or impersonate another person or organisation;
• manipulate points, tokens, referrals, redemptions, transactions or campaigns;
• gain or attempt to gain unauthorised access;
• bypass role, branch, GPS, PIN or transaction controls;
• introduce malicious code, automated attacks, scraping tools or harmful content;
• disrupt or overload the Platform;
• misuse personal, merchant or confidential information;
• upload content that is illegal, defamatory, misleading, obscene or infringing; or
• use the Platform in a manner that harms users, merchants, agents, Safe Pass Services or third parties.

13. Intellectual Property

The Platform, software, layout, databases, designs, text, graphics, logos, trademarks and other materials are owned by or licensed to Safe Pass Services, except for merchant or third-party content.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable licence to use the Platform for its intended purposes.

You must not copy, modify, reverse-engineer, distribute, sublicense, sell or commercially exploit the Platform except with written permission or where such restriction is prohibited by law.

14. Merchants and Third-Party Services

The Platform may display or connect to participating merchants, payment providers, mapping services, websites, products or other third-party services.

Third parties operate independently and may have their own terms, privacy notices, refund policies and service conditions. You are responsible for reviewing them where applicable.

A merchant—not Safe Pass Services—is ordinarily responsible for the merchant’s goods, services, pricing, product quality, availability, fulfilment, refunds and customer support.

15. Availability, Updates and Future Features

We may update, improve, replace, suspend or discontinue any Platform function where reasonably necessary.

Features described as “coming soon”, including appointments, bookings, online shopping and lucky draws, are planned features only. Their launch date, availability and final functionality are not guaranteed.

You may need to install updates to continue using some services. Older app versions may stop functioning correctly.

16. Service Disclaimers

To the extent permitted by law, the Platform is provided on an “as available” and “as is” basis.

We do not guarantee that:

• the Platform will always be available, uninterrupted or error-free;
• every device or operating system will be supported;
• all information supplied by merchants or users will be accurate;
• a particular merchant, reward, token, promotion or feature will remain available; or
• the Platform will meet every user’s individual requirements.

Nothing in these Terms excludes guarantees, rights or remedies that cannot lawfully be excluded.

17. Limitation of Liability

To the fullest extent permitted by applicable law, Safe Pass Services will not be liable for indirect, incidental, punitive, special or consequential loss arising from use of or inability to use the Platform.

This may include loss of profits, revenue, opportunity, goodwill, anticipated savings or data, except where such limitation is not legally permitted.

We are not responsible for a participating merchant’s goods, services, reward fulfilment, token obligations, business closure, statements or conduct.

18. Indemnity

To the extent permitted by law, you agree to be responsible for losses, claims, costs or liabilities reasonably arising from:

• your material breach of these Terms;
• your unlawful or fraudulent use of the Platform;
• content or information that you submit;
• infringement of another party’s rights; or
• merchant products, services, promotions or obligations for which you are responsible.

19. Suspension, Termination and Account Deletion

We may restrict, suspend or terminate access where reasonably necessary because of:

• breach of these Terms;
• suspected fraud, abuse or security risk;
• legal or regulatory requirements;
• non-payment of applicable fees;
• risk to users, merchants or the Platform; or
• discontinuation of the relevant service.

You may request account deletion through an available in-app function or by contacting us.

Account closure may result in loss of access to points, rewards, tokens, histories and merchant memberships. Certain records may be retained for legal, accounting, security, reconciliation or dispute purposes.

20. Privacy and Personal Data

Our collection, use, storage, disclosure and protection of personal data is described in our Privacy Statement.

By using the Platform, you acknowledge that relevant information may be processed to operate accounts, rewards, merchant functions, transactions, security controls, communications and related services.

21. Changes to These Terms

We may revise these Terms to reflect changes to the Platform, business practices, merchant programmes, laws or regulatory requirements.

Updated Terms will be published on the website or made available through the Platform with a revised effective date. Where appropriate, additional notice may be provided.

Your continued use after revised Terms take effect constitutes acceptance of the revised Terms. If you disagree, you should stop using the Platform and request account closure.

22. Governing Law and Disputes

These Terms are governed by the laws of Malaysia.

Before commencing formal proceedings, the parties should, where reasonable, attempt to resolve a dispute by contacting each other and discussing the matter in good faith.

Subject to any mandatory consumer right or jurisdictional rule, disputes will be submitted to the courts of Malaysia.

23. Contact Us

Contact us if you have questions, concerns or complaints concerning these Terms or the Platform.