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Please read this “agreement” (as defined below) carefully before using the “ctgshopping.com wallet service” (as defined below). By accessing or using the wallet service, you signify your consent to this agreement. If you do not agree with any of the terms and conditions of this agreement, do not use the wallet service. “Reserves the right, to modify or update this agreement from time to time as it deems fit which modifications or updates shall automatically be binding on you upon publication at https://ctgshopping.com/wallet-term-condition/. You acknowledge that it is your responsibility to check regularly for updates to the terms and conditions of this agreement at the above site, and to immediately discontinue use of the ctgshooping.com wallet service, if you do not agree to any update or modification to this agreement. Your continued use of the service following the publication of a modified or updated agreement, as described above, shall signify your consent and agreement to the modified or updated agreement, effective at the date of publication. If you are accessing or using the wallet service on behalf of a corporate entity, you hereby represent and warrant to that you have the authority to bind that corporate entity, and that you agree to the terms and conditions of this agreement on behalf of that corporate entity.
1. Terms and conditions
These terms and conditions (the “Wallet Terms and Conditions”) govern the provision of the Wallet Service by ctgshopping to the individual accessing or using the Wallet Service or, if the individual is accessing or using the Wallet Service on behalf of a corporate entity, to that corporate entity (such individual or corporate entity, “You”, “Your”), together with the other constituent parts of the Agreement between ctgshopping and You, as described below.
It can be amended or updated from time to time by ctgshopping and the amendment or update will be effective after posting on this Website notice to you. Your subsequent access to or usage of ctgshopping Payfy and/or the Website and shall constitute your acceptance to the amendment, variation, modification or update.
By accessing or using the ctgshopping Payfy and/or the Website and/or the Mobile Application, you shall be deemed to have read, understood, accepted and agree to be bound by these T&C and our Privacy Notice available on our Website and/or the Mobile Application. If you don’t agree to these T&C, please don’t access/use or continue to access/use Payfy and/or the Website and/or the Mobile Application. In any event, ctgshopping reserves the right to suspend or terminate your access to or usage of all or any part of ctgshoppig Payfy and/or the Website and/or the Mobile Application at any time without any liability to you.
· We do not represent that ctgshopping Payfy may be available in all regions and countries around the world. In fact, we reserve the right, in our sole discretion, to limit or terminate your ability to access and use ctgshopping Payfy from certain regions or countries. In addition to that, you assume all obligations and risks associated with the accessibility and use of ctgshopping Payfy from any given region or country in the world.
· We are providing ctgshopping Payfy to you on an “as is” basis, without any warranty of any kind and our liability to you unless otherwise stated in these T&C. We reserve the right to reject any registration or activation of Payfy Account without any reason whatsoever, and we reserve the right to modify or discontinue all or any aspect of the services of ctgshopping Payfy and/or the Website and/or the Mobile Application at any time either temporarily or permanently.
2. DEFINITIONS
The following capitalized terms shall have the respective ascribed meanings in this Agreement:
1. Accountmeans the electronic account associated with Your ctgshopping wallet.
2. Affiliatemeans, in relation to a party, any company or other legal entity which directly or indirectly, through one or more intermediaries, controls, is controlled by or is under the common control of a third party with such party. For the purposes of this clause, “control” as used with respect to any entity, means the possession, directly or indirectly, of the power to direct or exercise a controlling influence on the management or policies of such entity, whether through the ownership of voting securities, by contract or otherwise.
3. Agreementmeans, collectively, these ctgshopping Wallet Terms and Conditions, the Privacy Policy, the Service Application Form (and all information provided in it) and any other documents incorporate by reference herein.
4. Chargesmean the fee payable by the Customer in relation to each Transaction, as published by ctgshopping from time to time on the Digital port in ctgshopping.
5. Contentmeans any information (whether pictures, data or any other content) made available, displayed or transmitted in connection with the Service including, without limitation, information made available by means of the ctgshopping Wallet Application, any third party information or posting or content made available by means of an HTML “hyperlink”, all trademarks and domain names contained in such information, as well as contents of any bulletin boards or chat forums, and all upgrades, updates, modifications and other versions of any of the foregoing.
6. Ctgshopping means You or any other registered and approved person that holds an Account for the Wallet Service.
7. ctgshoppingmeans Digital Financial Services LLC; owner of ctgshopping Wallet trademark and operator of ctgshopping Wallet services.
8. Ctgshopping Walletmeans the mobile wallet solution owned and operated by ctgshopping, consisting of a stored value account used to carry out payments and transfer funds and related products and services.
9. Ctgshopping Wallet Contact Centremeans the customer service contact Centre established by ctgshopping from time to time to receive investigate and resolve Customer queries and complaints in relation to the ctgshopping Wallet Service.
10. Ctgshopping Wallet Point of Salemeans each retail location of a Merchant or another ctgshopping partner where Customer is able to initiate Transactions.
11. Ctgshopping Wallet Serviceor Service mean any and all services (including electronic payment services and the processing of Transactions) offered by ctgshopping from time to time in connection with ctgshopping Wallet.
12. Goods and Servicesmeans any product or service that You may purchase from Merchants (including payment of bills from utilities or other service providers, or purchase of Escalate mobile phone prepaid calling credit) where payment for such product or service is made through your Account and the Service.
13. Merchantmeans any person or entity which is party to a Merchant Agreement.
14. Merchant Agreementmeans a merchant agreement pursuant to which the Merchant agrees to accept payment for Goods and Services through the Wallet Service
15. Mobile Devicemeans a mobile device (phone/tablet etc.) that allows access to the Wallet Service through a registered SIM Card, via a webpage or Wallet application on any operating system.
16. Payment Methodmeans each method of paying for a Transaction that is offered by ctgshopping as part of the Wallet Service from time to time, including (as may be made available by ctgshopping from time to time) (i) using stored value credited to your Account to pay for a Transaction; (ii) using funds from Your credit or debit card to pay for a Transaction or increase the stored value in your Account; and (iii) redeeming Smiles Points to pay for a Transaction or increase the stored value in your Account.
17. Security PIN Codemeans your unique personal identification number made available by ctgshopping to You to access and operate your Account.
18. Service Application Formmeans the Service Application Form(s) accessible at the Wallet website or on the mobile wallet application, where You will be requested to fill in your personal information and any additional information that may be required in order to apply for the Wallet Service, and thereafter any other application form that ctgshopping may request you to complete from time to time in order to avail any additional facilities made available by ctgshopping under the Service.
19. SIM Cardmeans the Subscriber Identity Module which enables You to use the Wallet Service when used with Your Mobile Device and Wallet Application.
20. Transaction means (i) any instruction from You to purchase Goods and Services using the Payment Methods; (ii) any instruction from You to add stored value into your Account using the Payment Methods; (iii) any instruction from you to transfer stored value held in your Account to the Wallet account of another Customer; (iv) any instruction from You to redeem stored value in your Account for an equivalent amount .Ctgshopping from time to time, or credited to an account nominated and held by your account.
Age restrictions
Certain features, functionalities and/or facilities within the Service will only be made available and can be used by Customers over the age of 16, as will be set out in the Service Application Form that you will be required to complete to access such facilities. You hereby represent and warrant that You have provided true information about Your age and that You will not knowingly use any part of the Service which is not open for use by Customers of Your age.
Commencement and Application Process
1. This Agreement is valid and binding on and from the date on which ctgshopping provides electronic confirmation to You that your Account has been opened (“the Effective Date”).
2. The application process for the ctgshopping Wallet Service may be completed electronically. However, depending on the information that You provided when applying for the Service, ctgshopping ewallet may require You to complete all or parts of the application process in person to verify your identity and/or provide original documents. Depending on your age, your residency status (resident or visitor), or the level of identity verification you have provided, ctgshopping may place limits on which features, functionalities and/or facilities are available to You under the Service and/or place limits on your Transactions. If and whenctgshopping introduces new features, functionalities and/or facilities within the Service, in order to access these, You may be required to provide additional identity verification documents in person. You shall at all times keep the information You have provided to ctgshopping as part of the Service application process or otherwise (including without limitation information about Your name, bank account details, contact information up to date and shall immediately advise in writing of any changes to any such information.
PERSONAL DATA
1. To learn about how we collect and protect your personal data, please refer to our Privacy Notice available on the Website .Any non-personal data or information sent by you to us will generally NOT be treated as confidential. You may need to provide us with personal data such as –
(a) name as per new national registration identity card (NRIC) (b) new NRIC number (image of the NRIC is required)
(c) mobile phone number
(d) electronic mail address
(e) credit and/or debit card information
(f) bank account information
2. We will collect, process, use and share your personal data in accordance with our Privacy Notice and for the following purposes (including but not limited to) –
(a) account registration or activation and operation
(b) sending of promotional code, voucher points or such other benefits by our affiliates in any manner that they may deem fit (if applicable)
(c) process payments and other Transactions
(d) debt recovery and collections
(e) fraud and crime prevention and detection
(f) to facilitate regulating bodies’ or authorities’ investigation or enquiry The Personal Data you provide to us will be used in other manners that is consistent with the Privacy Policy too. We advise you to read our Privacy Policy on the Website which may be updated by us from time to time.
3. By accessing to or using ctgshopping eWallet and/or the Website and/or the Mobile Application, you are deemed to have given us your consent to collect, process, use and share your personal data in accordance with our Privacy Notice. If you do not agree to our Privacy Notice, you should not access or use ctgshopping Payfy and/or the Website and/or the Mobile Application.
4. If you are under 18 years old, please refrain from using ctgshopping Payfy and/or the Website and/or the Mobile Application. If you have reason to believe that a child under the age of 18 has been accessing or using ctgshopping Payfy and/or the Website and/or the Mobile Application, please contact us and we will use commercially reasonable effort to verify the age of the said user and take appropriate action accordingly. Otherwise all personal data provided by a user shall be deemed to have been submitted by a user above 18.
5. You represent that you will provide true, accurate and complete personal data and other information as may be required throughout your usage of ctgshopping eWallet, including during the account registration, account termination and etc. If any information provided by you is found to be untrue, inaccurate or incomplete, without limiting other remedies available to us, we are entitled to (i) limit or terminate your ability to access and use the ctgshopping eWallet and/or the Website and/or the Mobile Application to carry out the Transaction including the withdrawal; and/or (ii) report such incident to the relevant authorities.
6. We are not in the business of selling your information. We consider this information to be a vital part of our relationship with you. There are, however, certain circumstances in which we may share your Personal Data with certain third parties without further notice to you, as set forth below.
(i) Business Transfer. As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Data may be part of the transferred assets.
(ii) ctgshopping Group. We may also share your Personal Data with ctgshopping Group for purposes consistent with this T&C, the Privacy Notice and the Privacy Policy.
(iii) Legal Requirements. To comply with any order of court or directive from authorities investigating any alleged offence, misdeed and/or abuse or to enforce any of the terms in the terms of use, Privacy Notices or, where such action is necessary to protect and defend the rights or property of the Company.
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