Utech Pvt Ltd
Kota Bharu , 2nd Floor, Malaysia
Before using our Platform or any of its services ("Services"), please carefully read these terms and conditions ("Terms of Service" / "Terms of Use" / "Terms"). The "(website name) Platform" or "Platform" is owned and operated by (company name), and comprises our website, mobile application, API, and additional properties. Your use of these assets is governed by and subject to these Terms.
These Terms constitute a legally binding agreement between you and (website name) that is enforceable in court. These Terms supplement any additional terms detailed from time to time by (website name) rather than replacing them. In the event of a conflict, these conditions will prevail over any other conditions. In this document, "we" and "our" refer to (website name), and "you" and "your" refer to you, the User of the Platform. (website name) and the User are collectively referred to as "Parties" and "Party," respectively.
To improve your experience on our Platform and to reflect changes in Applicable Law, we reserve the right to update the Platform, modify the Services, and modify these Terms at any time. You are free to discontinue using our services if you disagree with any changes we make. Our Privacy Statement is referenced within these Terms.
All laws, ordinances, rules, by-laws, regulations, notifications, guidelines, directions, directives, and orders of government, statutory authority, board, or recognized stock exchange shall be deemed to be (country name) laws, ordinances, rules, by-laws, regulations, notifications, guidelines, and orders to the extent they are applicable.
When referring to a User of a Service Provider, the word "chargeback" encompasses the reversal of any transaction for any of the following reasons:
Any purchase made with a card that is on the Card Association's "Hot Card" or "Warning Bulletin" lists.
All business, technical, and financial information of (website name) or its affiliates relating to any of the arrangements contemplated in these Terms of Use or any other document into which these Terms of Use are incorporated by reference or in which (website name) has otherwise disclosed information to the User shall be considered "Confidential Information". They shall not be disclosed by the User without (website name)'s prior written consent. Intellectual property is also included in this definition. Information disclosed may include, but is not limited to, financial and business data pertaining to the Company.
The "Effective Date" or "Registration Date" refers to the day the User's account was created on (website name). The "(website name) Policies" include the (website name) Terms of Service, (website name) Privacy Policies, (website name) Grievance Policies, and any other terms and conditions/policies available and updated from time to time on (website name).
"Intellectual Property" means any and all intellectual property used in or in conjunction with the performance of these Terms of Use or the applicable Agreement.
Legally, before providing Services to a User, a business must "Know Your Customer" (abbreviated "KYC") by collecting and verifying that the User is who they claim to be.
The term "Services" refers to the banking, non-banking, and similar products and services that (website name) and other Service Providers make available to Users through the (website name) Platform.
Any financial institution or other entity with which (website name) has entered into an arrangement to process Transactions between (website name) and its customers is referred to herein as a "Service Provider."
All corporations, partnerships, LLCs, and other legal entities that access (website name)'s services through the Platform are considered Users.
The user's (website name) Account ("Account"), which is used to access (website name) services, is identified by their email address and mobile phone number. Users are advised by (website name) to choose a secure password to safeguard their Account. Users are cautioned not to record or divulge their credentials to anyone. Never will (website name) or its service providers request a user's password for their Account or any other private information. If a User has cause to suspect that his Account's security has been breached, he or she must change the password right away and release (website name) from any liability arising from the User's Account usage.
Only for the convenience of the Users, (website name) and/or the Site may make references to or offer links to other websites or services (collectively, "Reference Sites"). None of these Reference Sites, their content, or the goods or services offered through them are endorsed by (website name).
A user and a reference site are the only parties to any conversations or transactions between them. The User uses Reference Sites at his or her own risk, including any information, materials, commodities, or services made available on or through Reference Sites
The User consents to and accepts this Agreement by:
(Website name) may send you transactional or non-transactional business messages through SMS, Email, or Push notifications when fulfilling your request or managing your Account. Even if users opt out of receiving marketing emails, (website name) may still communicate with them for transactional purposes.
When using the Platform or any Services, (website name) will make every attempt to send notifications, and it will be assumed that the User has received any information provided by the Company. The Company is not responsible in any way to the User for any unavailability of any notification service.
Any omission or delay on the part of (website name) to enforce or apply any provision of these Terms or related right shall not be construed as (website name) waiving that provision or right. The exercise of any one or more rights granted to (website name) under these Terms shall not constitute a waiver of, or preclude the exercise of, any other rights or remedies granted to (website name) under these Terms or at law or in equity. Any waiver of any requirement shall be effective only if in writing and executed by an authorized representative of (website name).
No person or entity associated with (website name), including its officers, directors, employees, representatives, affiliates, and providers, will be held liable or responsible for any injury, death, loss, claim, act of God, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental, or consequential damages of any kind (including, without limitation, lost profits or lost savings), whether based on contract, tort, strict liability, or otherwise. There could be links to other websites outside of this one on the Website.
You acknowledge that (website name) has no control over such third-party websites, and as such, (website name) is not responsible for the information, products, or other materials found on or accessible via such third-party websites. In addition, (website name) is not responsible for the operation or content of any linked third-party websites. You agree that the use of any content, goods, or services available on or through such third-party websites is at your own risk, and that (website name) is not responsible or liable for any damage or loss caused or alleged to be caused by your use of such websites. Please review the third-party's terms and policies before using them, as they may differ from (website name)'s and could contain information that could be used to identify you personally.
You understand and agree to indemnify, hold harmless, and defend (website name) (and its officers, affiliates, group company, directors, agents, and employees) from and against any and all claims, demands, recoveries, losses, damages, fines, penalties, and other costs or expenses of any kind, including reasonable attorneys' fees, arising out of or related to your violation of any applicable laws or the rights of any third party or your breach of these Terms.
To the extent and for the duration of such a force majeure occurrence, (website name) shall be excused and released from such performance, and such non-performance shall not, in any way, constitute a violation by (website name) of its obligations under this Agreement or subject (website name) to any liability.
The laws of (country name) shall govern the Terms of Use, and the courts of (country name) shall have exclusive jurisdiction over all disputes arising under the Terms of Use.
The terms are subject to change at any time by (website name). If you utilize the offering following the effective date of the updated terms or following the expiration of the time for reacting, you are deemed to have accepted the amended terms.