Terms & conditions

Part 1: Introduction

1. Introduction

1.1

These terms and conditions set out the Agreement under which MatchMove Pay Pte Ltd (“MatchMove”) shall process ‘Transfer Transactions’ from the Account User via the remitsend.com platform (the “Platform”) for the remittance activities (the “Sending Service” or “Transfer Service”). By using the Platform, You are deemed to have agreed to all these terms and conditions (including all agreements and policies referenced in these terms and conditions or otherwise applicable to the use of the Sending Service or Transfer Service (the Product and or the “Service”) provided by MatchMove.

1.2

The Products and Services are provided only on condition that Subscriber agrees to the terms and conditions in this subscription agreement and the materials referenced herein (“Agreement”) between Subscriber and MatchMove. By accepting this Agreement or by using the Products and Services offered herein, Subscriber acknowledges it has read, understands, and has authority to enter into and agrees to be bound by this Agreement. In addition, by completing the sign-up process, You are deemed to have expressly read, understood and accepted each and every term when you use the Website and related services. You agree to be bound by these terms and conditions and other specific rules and procedures as determined or as may be amended at our sole discretion from time to time.

1.3

In this Agreement, “We”, “Us” or “Our” refers to MatchMove and “You” or “Your” refers to the Account User using the Sending Service or Transfer Service.

2. Definitions

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 otherwise requires, the following definitions shall apply:

“Access Code” means a password, code or any other arrangement that the Account User must keep secret, that may be required to authenticate any payment transaction or Account User, and may include any of the following:

(a) personal identification number, password or code;
(b) internet banking authentication code;
(c) telephone banking authentication code;
(d) code generated by an Authentication Device;
(e) code sent by the MatchMove by phone text message such as SMS,

“Account User” means—

The Organization, including any person who is authorized by the Organization to use the Platform to open an account and/or to initiate, execute or both initiate and execute remittance service transactions using the Sending Service or Transfer Service provided by MatchMove;

“Authorized Representative” means the representative that an Organization has authorized to open an account with MatchMove and/or granted the right to access and use the Sending Service on its behalf.

“Country” means the country or territory where you are residing and where the account is opened.

“Electronic instruction” means any instruction, notice, instruction or other communication which may, from time to time be given through website, telephone, email, or SMS by you. We, however, reserve the right to require the instruction of supporting document/s, before we may decide to act or not on the instruction.

“Fees and charges table” refers to the fees and charges table (including our Subscription Fees and packages defined) that applies to the Sending Service account and are listed in the fees and charges updated on our website at https://remitsend.com (“Website”).

“MatchMove” refers to MatchMove Pay Pte Ltd, the Responsible FI, together with its employees, directors, affiliates, successors, and assigns. MatchMove Pay Pte Ltd (CRN: 200902936w) is a company duly established and operating under the laws of Singapore, has its registered office at 137 Telok Ayer Street, #0303, Singapore 068602 and holds a Major Payment Institution (“MPI”) license (cross-border money transfer) issued by the Monetary Authority of Singapore (“MAS”).

“Organization” means a company, sole-proprietor, partnership, association or other entity, organization or body corporate.

“PDPA” means the Personal Data Protection Act 2012 (No. 26 of 2012).

“Personal data” shall have the meaning as set out in the PDPA.

“Pool Account” means a current account with a bank selected by MatchMove or prefunded monies that are to be placed with MatchMove’s trust account.

“Sending Service” or “Transfer Service” or “Services” – refers to the money transfer service to transfer the currency and amount as instructed by you to us to such Recipient or Beneficiary as instructed by you.

“Subscriber” means the organization that has opened an account with us and agreed to pay the Subscription Fees in advance before usage of the Sending Service or Transfer Service and all such fees and charges as may be imposed or charged by MatchMove from time to time.

“Subscription” means a non-exclusive, personal, nontransferable right to use our products herein and use the output of the services offerings in accordance with this Agreement as stated in the terms and conditions herein.

“Subscription Fees” means the agreed upon fees in an order for a Subscription and/ or Services and the fees structure as mentioned in this Website.

“Subscription Term” means the agreed upon time period in the Subscription order.

“Website” refers to our website, including remitsend.com, and its mobile applications or portals that you can access from mobile devices or computers. All website addresses and URL for your reference in this terms and conditions are subject to be changed from time to time at our sole discretion.

“Transfer Transaction” refers to your order to us to execute the currency or money transfer to your specified Recipient or Beneficiary.

“Unauthorized Transaction” means any transaction initiated by any person without the actual or imputed knowledge and implied or express consent of an Account User or when MatchMove detects suspicious unauthorized transactions.

3. Sending Service

The Sending Service allows you to request (“Transaction Request") to transfer an amount specified by you (“Transfer Amount”) from your account to your designated Recipient (“Recipient” or “Beneficiary”).

3.1

To use the Sending Service, you will need to:

(i) provide us all the information and requisite documents as listed in our Website when you register and open an account with us.
(ii) have verified your identity i.e. KYB (“Know Your Business”) by us.

3.2

If you wish to carry out a Sending Service, you must submit a transaction request to initiate such Transfer Transaction. When submitting a transaction request, you shall provide such information as may be requested by us (including the Recipient’s or Beneficiary’s details and their bank account no. as per our Website); and

3.3

You are responsible for ensuring, and you warrant, the truthfulness, accuracy and completeness of all information provided in respect of such Transfer Transaction, including but not limited to the Recipient’s or Beneficiary’s details.

3.4

Once a Transfer Transaction has been credited into the Recipient’s or Beneficiary’s account, you will not be able to withdraw, cancel or make any changes to such Transfer Transaction.

3.5

We shall be entitled, at our absolute discretion, to reject or refuse to accept or process or to cancel any Transfer Transactionor complete the Transfer Transaction and shall not be required to give any reason for the same.

3.6

Following the acceptance by us of a Transfer Transaction, the Recipient or Beneficiary will, depending on the information details provided by you, be notified by email, or through SMS, that you have transferred the monies to the Recipient’s or Beneficiary account and you will be duly notified of the same.

3.7

You acknowledge and agree that you are responsible for providing the correct Recipient’s or Beneficiary’s details to enable the Transfer Transaction into the Recipient’s or Beneficiary’s account and ensuring that the Recipient or Beneficiary safekeeps and maintains the confidentiality of his/her own account.

3.8

You hereby instruct and authorize us to debit your account and transfer or procure the transfer of the transfer amount to the Recipient’s account.

3.9

The Recipient or Beneficiary must have a valid bank account. The Recipient or Beneficiary must comply with such instructions as may be prescribed by us from time to time and where applicable have the KYB or KYC process done in order for the transfer amount to be credited into his/her/their account.

3.10

If the Transfer Transaction is unsuccessful, but the transfer amount has been debited from your account, we shall arrange for the transfer amount to be credited back to your account.

3.11

You acknowledge and agree that, for the purposes of the Transfer Service, Matchmove will be accessing and using the information in your account, and you hereby consent to Matchmove accessing and using such information for the provision of the Transfer Service.

3.12

We reserve the right to impose charges or to revise at any time such charges for the use of the Transfer Service and/or the account upon written notice to you. Such charges or revisions shall take effect from the date stated in the Website. Where you continue to use the account or submit any transaction request after such notification, you shall be deemed to have agreed to and accepted such charges or revisions to such charges.

3.13

We expressly exclude any guarantee, representation, warranty, condition, term or undertaking of any kind, whether express or implied, statutory or otherwise, relating to or arising from the use of, the Transfer Service or in relation to the processing of or any other matter relating to any transaction request or Transfer Transaction. Without prejudice to the foregoing, the acceptance by us of your submission of a transaction request does not amount to a representation or warranty by us that it will, and does not impose any obligation on us to, process the Transfer Transaction or transfer the transfer amount to the Recipient or Beneficiary and we do not represent or warrant that:
(i) the transfer amount has been successfully transferred to the Recipient’s or Beneficiary’s account; or
(ii) we will take any liability if the transfer amount has not been credited or has failed to be credited to the Recipient’s or Beneficiary’s account as the methods of crediting the funds may be provided by third parties (for example, the bank where the payee has their bank account) and are not part of our services. We do not have any control over the amount of time it may take for a payee’s bank or payment provider to credit funds to the payee.
(iii) the Transfer Service will meet your requirements;
(iv) the Transfer Service will always be available, accessible, function or interoperate with any network infrastructure, system or such other services from time to time; or (v) your use of the Transfer Service or processing of any transaction request or Transfer Transaction will be uninterrupted, timely, secure or free of any virus or error.

3.14

You acknowledge and agree that, to the extent permitted under applicable law, we shall not be liable to you for any and all losses, liabilities, costs, expenses, damages, claims, actions or proceedings of any kind whatsoever (whether direct, indirect or consequential) in respect of any matter of whatever nature and howsoever arising (whether in contract, tort, negligence or otherwise) in connection with:
(i) the provision by us of or your use of the Transfer Service and/or the account;
(ii) the processing of any transaction request or Transfer Transaction;
(iii) any Transfer Transaction being unsuccessful or considered as unsuccessful or any transfer amount not having been transferred to the Recipient’s or Beneficiary’s account or transferred to a recipient or beneficiary other than the Recipient or Beneficiary, whether or not arising from: your negligence, misconduct or breach of any of these terms and conditions (including as a result of inaccurate or wrong information being provided by you);
(iv) any failure, refusal, delay or error by any third party or third-party system through whom or which any Transfer Transaction is made;
(v) any unauthorized access of the account;
(vi) the use in any manner and/or for any purpose whatsoever by any person at any time whatsoever and from time to time of any information or data: (a) relating to you and/or any Recipient; (b) transmitted through your use of the Transfer Service and/or the account; and/or (c) obtained through your use of the Transfer Service and/or the account;
(vii) any event the occurrence of which we are not able to control or avoid by the use of reasonable diligence; and/or
(viii) the suspension, termination or discontinuance of the Transfer Service.

3.15

To the extent that any of the limitations set out above are not permitted by law, our liability to you arising from or in respect of each Transfer Transaction, whether in contract, tort (including negligence or breach of statutory duty) or otherwise for any and all losses, damages or liabilities caused or arising from or in relation to our provision of the Transfer Service and/or the account and/or under or relating to these terms shall not exceed the value of such Transfer Transaction.

3.16

You represent and warrant that, in relation to each Transfer Transaction, you have obtained the necessary consent of the relevant Recipient or Beneficiary to disclose such Recipient’s or Beneficiary’s Personal data to us and for us to use and disclose such Recipient’s Personal data (including name, bank account no, etc.) as required for the purposes of the Transfer Service.

3.17

We shall be entitled to exercise any of our rights and remedies under these terms and conditions governing online transaction services (including the right to withdraw, restrict, suspend, vary or modify the Transfer Service (whether in whole or in part).

4. Transaction history

You may access the Website using your account to view the transaction history. You acknowledge and agree that we are not under any obligation whatsoever to issue a statement to you detailing the transactions conducted by you.

5. Disputes and erroneous transactions

The details in the SMS/email confirmation message after every transaction and/or the entries in the transaction history are presumed true and correct unless you notify us in writing of any disputes thereon within twenty- four (24) hours from the time of transaction. If no dispute is reported within the mentioned period, all transactions and the entries in the transaction history are considered conclusively true and correct.

Part 2: General

6. Applications and activation

To help fight terrorism and money laundering, the applicable laws require us to obtain, verify and record information that identifies each organization or person i.e. an individual who signs up for an account with us to use our Sending Service. What this means for you is that when you sign up for an account, we will ask for your corporate identity details such as Company registration no, country of incorporation, date of incorporation, etc. and your authorized representatives s name, address, date of birth, nationality, identification number and other identification, your Recipient’s or Beneficiary’s name and bank account no. and any other information or documents that local applicable laws require us to obtain. We appreciate your understanding and cooperation in providing us with the same and you acknowledge that we cannot provide Services if you do not provide correct and verifiable information in this respect.

7. Anti-Money Laundering

It is paramount that all funds deposited by you from time to time, are of legal origin, are not the proceeds of crime, including but not limited to, proceeds of drugs trafficking or dealings in other prohibited substances or proceeds of illegal arms trades, illegal gambling, prostitution, terror funds etc.

8. You further represent and warrant to us that you:

8.1

Are eligible to register and use the Sending service and all related services and have the right, power, and ability to enter into and perform under these terms and conditions;

8.2

Provide us with true, accurate, current and complete evidence of your identity, and promptly update your corporate information in the Platform if and when it changes. Upon application, you must fill up and complete the account opening form and provide all requested details that establish your identity. As such, necessary documents, hard or soft copies must be provided to us to facilitate the account opening procedure. In addition, an Authorized Representative must establish an enterprise account on your behalf and you undertake to furnish us an Authorization Letter duly signed by an authorized officer i.e. Director of the Organization.

8.3

Will update your corporate information (i.e. change in business ownership structure), including current email address; and

8.4

Will not impersonate any other person, operate under an alias or otherwise conceal your identity. We will use the information provided by you, as well as the information that we receive from the use of the Sending Service, to facilitate your participation in the services and for other purposes consistent with our privacy policy.

8.5

You agree to provide proof of identity i.e. Shareholders, Directors, Authorized Representative identity verification as required by the applicable laws and we may at our sole discretion suspend an account until such proof has been provided to our satisfaction.

8.6

For all corporate subscribers, we will require a company search record i.e. ACRA, identification documents i.e. national identification card or as passports of directors, shareholders, Constitution or Memorandum or Articles of Association or Certificate of Incumbency and all such necessary documentation to authenticate the Organization and its authorized personnel as stipulated by the applicable laws and regulations and we reserve the right to seek further clarification and in the event that such clarification cannot be obtained for any reason or whatsoever, we are entitled not to act any request made to us.

8.7

Transaction limits: We may, from time to time, impose transaction limits (such as minimum or maximum transaction amounts) in connection with the Sending Service or vary the frequency or manner of use of the Services.

8.8

Promotional or Incentive Programs or Additional Services: We may offer promotional or incentive programs or value-added services in connection with a product offered by us or a third party. We may vary or withdraw such programs or services at any time. We do not guarantee or warrant the quality of these programs or services and, if they are provided by a third party, they are provided on the terms offered by the third party (including the third party’s privacy policies).

8.9

FX Exchange Rate: You may access the indicative forex exchange rate (“FX Exchange Rate”) for a forex conversion (“FX Conversion”) through the Platform. The indicative FX Exchange Rate will be quoted to you when you instruct us through the Platform and the final FX Exchange Rate will be confirmed when we issue a confirmation of the transaction. We will ensure, as far as reasonably practicable, that the confirmed FX Exchange Rate reflects the rate quoted to you. The rate may be different as the rate may have changed between the time of your instruction and the time that we issue such confirmation of your order. You agree that changes to exchange rates may come into effect immediately without notice and you will be solely responsible for the same without any liability to us.

8.10

Prefunding of Pool Accounts: Subscriber will provide a prefund amount of collateral funds to be placed in MatchMove’s trust account. This amount should be higher or equal to the funds to be remitted (including fees and charges payable to MatchMove).

9. Fees

9.1

Fees for services: in consideration of our Agreement to provide the Services, you shall pay to us the Subscription Fees in advance before using the Sending Service or Transfer Service and you undertake to pay all such other fees and charges as may be imposed by us or our third party providers (all fees set out therein to be collectively referred to as the “Fees”).Please refer to our Website for more details of our fees structure. For the avoidance of doubt, we may impose additional fees and costs with respect to the services provided by us e.g. declined transaction fee charges or such fees as maybe charged by our third-party service providers, etc. We therefore reserve the right to charge relevant break costs and administration fees and you undertake to pay the same. We further reserve the right to and may at our sole discretion change or revise from time to time the fees and charges and the continued use of the Sending Service by you shall be taken as acceptance by you of the such terms and the fees.

9.2

Financial terms: Fees and payment terms are specified in the applicable invoice. Except as otherwise expressly specified in the invoice: (i) all recurring payment obligations start from the receipt of the subscription order you placed with us and (ii) when a Service order or Subscription order is placed directly with MatchMove, the Subscription Fee must be settled fully before use of the Sending Service or Transfer Service can be effected; All subscription orders are non-cancellable, and there will be no fee adjustments or refunds for any reason, including decreases in usage, or otherwise during the Subscription Term. Subscriptions to our Sending Service or Transfer Service will auto-renew on the same tenure term at MatchMove’s then-current commercial list price until terminated as notified by the Subscriber. Upon termination or expiration of the Subscription Term, Subscriber’s right to use the products or Services herein terminates. Failure to make timely payments is a material breach of the Agreement and MatchMove will be entitled to suspend any or all of its performance obligations and to modify the payment terms, including requiring full payment and settlement before MatchMove performs any obligations in this Agreement. Subscriber will reimburse MatchMove for any expenses incurred, including interest and reasonable attorney fees, in collecting amounts due to MatchMove hereunder that are not under good faith dispute by Subscriber.

9.3

Mode of payment: all payments made hereunder for the Transfer Service shall be made in accordance with your instructions and payment be made net of all fees, charges and applicable bank charges (including any charges which may be levied by the receiving bank), which shall be borne by you.

9.4

Taxes & charges: the fees (are inclusive of GST) but exclusive of all or any taxes, duties and charges imposed or levied by the appropriate local or overseas governmental agencies, financial institutions or other third parties in connection with the services or otherwise pursuant to this terms and conditions (including any applicable sales, use, value-added, transaction, goods and services or other similar taxes goods and services tax), all of which shall be borne by you. In the event that any amounts payable by you to us under this terms and conditions are subject to any withholding tax, you shall deduct such withholding taxes from payments due to us and forward the balance to us. You shall provide the necessary supporting documentation to us of the payment of such withholding taxes to enable us to obtain the credit for such tax payment in its country of incorporation.

10. Your information and consent

10.1

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 consent to our doing this.

10.2

Singapore law requires all financial institutions to assist in the fight against money laundering activities and the funding of terrorism by obtaining, verifying, and recording identifying information about all customers. We may therefore require you to supply us with your corporate (including personal) identifying information and we may also legally consult other sources to obtain information about you. In addition to the information that you submit, our systems are programmed to gather certain anonymous data to help us understand how the services are being used and how we can improve it. This automatically gathered data includes your computer’s IP or “internet protocol” address, statistics about how visitors navigate through the Services, and information provided through the use of “cookies”.

10.3

Verification and checks: We will verify your corporate name, registered or principal place of business address and personal details of your Directors, Shareholders or Authorized Representative in order to confirm your identity. We may also pass your corporate or such personal information to third-party service provider(s), which may keep a record of that information. You can be rest assured that this is done only to confirm your identity. All information provided by you will be treated securely and strictly in accordance with applicable laws.

10.4

By accepting these terms and conditions you authorize us to make any inquiries we consider necessary to validate the information that you provide to us. We may do this directly, for example by asking you for additional information, requiring you to take steps to confirm ownership of your billing address or email address; or by verifying your information against third party databases; or through other sources.

10.5

Privacy policy: You consent to our processing your personal information for the purposes of providing the service, including for verification purposes as set out in this clause. You also consent to the use of such data for communicating with you, and for statutory, accounting and archival purposes. You acknowledge that you have read and consented to our privacy policy. The privacy policy can be found by clicking here: https://www.remitsend.com/privacy.html

10.6

You agree that we may (a) record telephone conversations between you and us and (b) use such recordings, or electronic transcripts from such recordings, as evidence in any dispute or anticipated dispute. To ensure quality of customer service, you agree to allow us to monitor and/or record telephone calls between you and us from time to time.

10.7

Consent to disclosure & provision of information: Information relating to any access or use of the services or which have been collected from you may be shared by us with our service providers, agents or business partners and affiliates that we work with in connection with our business. Specifically, the information may be used for the following purposes and you consent to us and/or our personnel disclosing any information, whether in Singapore or otherwise:
A. To any of our agents, subcontractors, partners or affiliates which have a legitimate business purpose for obtaining such information, including offering you products or services in connection with or to facilitate the use of the services;
B. To any of our agents, personnel, subcontractors or any other third party as we may consider necessary in order to give effect to any electronic instructions or transaction or to comply with any order or request of any court or governmental or regulatory authority in any jurisdiction;
C. To any of the following where such disclosure is reasonably regarded by us to be necessary to complete any transaction or to carry out the electronic instructions:
D. To any person using the services purporting to be you; and
E. To any information gathering or processing organization or department conducting survey(s) on our behalf; and
F. To third parties for the purpose of statistical or trade analysis.

11. Electronic instructions and your responsibilities

11.1 Security code

A. Access to and use of password protected and/or secure areas or features of the services are restricted to authorized users only. You may not obtain or attempt to obtain unauthorized access to such parts of the services, or to any other protected information, through any means not intentionally made available by us for your specific use.
B. You will be required to select or designate a password, personal or logon identification number and other code and/or adopt certain access or security procedures (such items to be referred to as “security code”) for use in connection with access to the services or use of the facilities provided through the services. You hereby agree to keep the security code confidential. You are to notify us immediately if you have knowledge that or have reason for suspecting that the confidentiality of the security code has been compromised or if there has been any unauthorized use of the security code.
C. You agree to be bound by any access or use of the services (whether such access or use are authorized by you or not) which are referable to your security code. You agree and acknowledge that any use of or access to the services referable to your security code and any electronic instructions shall be deemed to be, as the case may be:
(I) use of or access to the services by you; or
(II) electronic instructions transmitted or validly issued by you. You therefore agree and acknowledge that any use of or access to the services and any information or data referable to your security code shall be deemed to be (a) use or access of the services by you; or (b) information or data transmitted or validly issued by you and you agree to be bound by any access or use (whether such access or use are authorized by you or not) referable to your security code, and you agree that we shall be entitled (but not obliged) to act upon, rely on or hold you solely responsible and liable in respect thereof as if the same were carried out or transmitted by you.

11.2

We are under no obligation to investigate the authenticity or authority of persons effecting the electronic instructions or to verify the accuracy and completeness of the electronic instructions. Accordingly, we may treat the electronic instructions as your authentic and duly authorized instructions which are valid and binding on you notwithstanding any error, fraud, forgery, lack of clarity or misunderstanding in the terms of the electronic instructions.

11.3

Any risk of misunderstanding, error, loss, damage or expense resulting from the use of the Services are entirely at your own risk and we shall not be liable therefor.

11.4

All electronic instructions will be deemed to be irrevocable and unconditional upon transmission through the Services and we shall be entitled (but not obliged) to effect, perform or process such electronic instruction(s) without your further consent and without any further reference or notice to you. Nevertheless, in certain circumstances you may request to cancel or amend the electronic instructions which we shall endeavor to give effect to on a commercially reasonable effort basis. However, notwithstanding the foregoing, we are not obliged to give effect to any request to cancel or amend any electronic instruction.

11.5

You acknowledge and agree that:
A. We may at any time at our sole discretion and without stating reasons, require that you identify yourself by alternative means; or require any electronic instructions to be confirmed through alternative means (in writing given in person at our business place, etc.);
B. We may at any time decline to act on the electronic instructions at any time without prior notice or giving any reason, including to: (without incurring any responsibility for loss, liability or expense arising out of so declining to act refrain from acting promptly upon any electronic instructions) (a) verify the authenticity thereof (b) decline to act on the electronic instructions where they are ambiguous, incomplete or inconsistent with your other electronic instructions or instructions, information and/or data (c) decline to act where any electronic instructions would cause you to exceed your applicable transaction limits; or (d) decline to act on the electronic instructions where we did not receive authorizations from other banks or financial institutions in the form required by use; and
C. Electronic instructions may not be processed immediately, around the clock or in a timely manner, and that we shall not be liable for any loss, damage or expense arising from any delay in processing or executing any electronic instructions.

11.6

Notwithstanding any provision to the contrary in this terms and conditions, you acknowledge and agree that in the event that we discover or have been notified by the service providers that the funds to be or which have been sent under the Services are to be or have been debited from any other internet banking account you may have other than your internet banking account maintained with us, we may at any time, at its sole discretion and without stating reasons or notice, reverse any or all electronic instructions which you have transmitted or issued to, and which have been received by, us and/or impose an administration processing fee for such reversal and/or terminate this terms and conditions and your right to use the services.

11.7

You hereby agree to indemnify and render us, our directors, officers, employees, agents and assign free and harmless from and against any claim, cause of action, suit, liability, and loss or damage of whatever nature that may arise as a result of or in connection with the use of your account and the transactions made with it in the following instances: (a) disruption, failure, or delay relating to or in connection with the use of your account due to circumstances beyond our control; fortuitous events such as, but not limited to, prolonged power outages, breakdown in computers and communication facilities, computer related errors, system errors, system enhancements, system migration and integration, typhoons, floods, public disturbances and calamities, and other similar or related cases; (b) fraudulent or unauthorized utilization of your account due to unauthorized disclosure, or breach of its security or confidentiality with or without your participation; or (c) inaccurate, incomplete, or delayed information received by us due to disruption or failure of any communication facilities or electronic device used for your account.

12. Suspension, cancellation, termination, nonrenewal

Your account and/or Services or any part thereof may be cancelled by us at any time without prior notice to you. After cancellation, account and/or Services or any part thereof may be reinstated in such manner and on these terms and conditions as we may at our absolute discretion determine.

12.1 Discretion

Without giving any reason or prior notice, and without prejudice to the other provisions in these terms and conditions, we have absolute discretion to:
(a) refuse approval of any proposed transaction;
(b) terminate or cancel your right to use your account and our services;
(c) increase or decrease the transaction limit;
(d) renewal of your account upon expiry; or
(e) introduce, amend, vary, restrict, terminate, or suspend the benefits, related services, facilities, and privileges in respect of or in connection with your account, e.g. we may suspend suspicious transactions or when we detect unauthorized transactions.

12.2

Termination by us notwithstanding anything, we may close and revoke any one or all your account and services, with or without notice to you, if:
A. You do not follow our instructions in connection with your account or related services or you do not comply with any applicable law; B. We believe you have (i) offered, promised or given any bribe; or (ii) agreed to receive or accepted any bribe;
C. In our opinion, any account is not operated in a proper or regular manner;
D. In our opinion, a business relationship with you is no longer appropriate;
E. You have given us untrue, inaccurate, incomplete or misleading information;
F. You do not pay on time any amount e.g. fees or charges, due to us;
G. You pass away or become incapacitated;
H. You become insolvent or subject to judicial proceedings;
I. Your assets are in jeopardy or subject to enforcement of a judgment by any party;
J. Any legal proceeding (civil or legal) or action (including garnishee order, writ of seizure and sale, injunction) is commenced or levied against you, or you have been convicted of a crime, or you or any security provider has acted inappropriately;
K. Anything happens which, in our opinion, may have a material or adverse effect on your financial condition, assets or compliance with the terms of these terms and conditions; L. Any other event of default occurs under any other Agreements or arrangements between us;
M. Any of the events or proceedings under this clause occurs in relation to any third party who has agreed to provide or is providing security;
N. It would constitute a breach of our Agreement with any other party;
O. It is necessary for us to do so in order for us to meet any obligation, either in Singapore or elsewhere in the world, in connection with the prevention of fraud, money laundering, terrorist activity, bribery, corruption or tax evasion, or the enforcement of economic or trade sanctions; or
P. It is unlawful for us to continue to provide you with the account or any service.

12.3

You may, at any time, suspend, cancel, terminate or reactivate your account with us by contacting our helpdesk at +65 62297856. You acknowledge that such actions may be charged at a fixed amount for such changes.

12.4

Upon cancellation or termination of your account or any part thereof:
A. All rights and benefits granted to you shall immediately be terminated and shall revert to us;
B. You cannot and must not use your account;
C. We may at our absolute discretion, decide not to act on any confirmation or request received by you after the effective date of termination;
D. We may at our absolute discretion, decide not to act on any confirmation or request received by us between the date of notice given to you and the effective date of termination (if there is a lapse of time between the two dates).

13. Intellectual property rights

13.1

The Platform and Services and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, trademarks and service marks) are owned by MatchMove Pay Pte Ltd.

13.2

The Platform and Services may be used only for the purposes permitted by these terms and conditions or described on this Website. You are authorized solely to view and to retain a copy of the pages of the Website for your own personal use. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the internet, or in any way distribute or exploit the Website, the Platform and Services or any portion thereof for any public or commercial use without our express written permission. You may not: (a) use any robot, spider, scraper or other automated device to access the Website or the Platform and Services; and/or (b) remove or alter any copyright, trademark or other proprietary notice or legend displayed on the Website (or printed pages of the website). The name MatchMove, remitsend.com, remitsend and other names and indicia of ownership of our products and/or services referred to on the Website are our exclusive marks 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.

13.3

Services, including all the services and products are our sole properties and/or its licensors and are subject to our existing policies, rules, and regulations and these are protected by copyright, trade secret and other intellectual property laws. We and/or our licensors own the title, copyright and other worldwide intellectual property rights in all services relating to wallet and related services. Using our services does not grant you any rights to our trademarks or service marks.

13.4

You shall respect the intellectual property rights of others and not use, share or distribute text, logo, brand, photograph, sound or anything else that may be protected by copyright, trademark or personality rights and in the event of any violation of intellectual proprietary rights (including the acts of passing off), you undertake to be fully responsible for such acts, including to indemnify MatchMove.

13.5

For the purpose of these terms and conditions, intellectual property rights shall mean all patent rights, copyright rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights and other intellectual property rights as may now exist or hereafter come into existence, and all applications and registrations, renewals and extensions thereof, under the laws of Singapore and any country, territory or other jurisdiction.

13.6

You may choose to, or we may invite you to submit comments or ideas about our Products and Services, including but without limitation about how to improve any service or product. By submitting any idea, you agree that your disclosure is gratuitous, unsolicited and without restriction and shall not place us under any fiduciary or other obligations, and that we shall be free to use the idea without any additional compensation to you, and/or to disclose the idea on a nonconfidential basis or otherwise to anyone.

14. Notices

14.1

All notices and documents required to be given by us to you shall be sent by any one of following methods:
A. Ordinary or registered post to your last known address according to our record;
B. Electronic mail to your last known electronic mail address according to our record;
C. Posting notice or communication on the wallet website;
D. Notices placed with or in any of the wallet written communications to you;
E. Phone call to your last known phone number according to our records;
F. Notices placed through any media; or
G. Any manner of notification as we may at our absolute discretion determine.

14.2

Unless otherwise expressly provided in writing, our notices and communications to you are effective:
A. If sent by post to an address within your country, the following business day after posting;
B. If sent by post to an address outside of your country, 5 business days after posting;
C. If sent by fax, electronic mail or SMS, at the time of transmission;
D. If sent by hand, at the time of delivery or when left at the address;
E. If posted on our website, on the date of display or posting;
F. If advertised in the newspaper, on the date of advertisement; and
G. If broadcast via radio or television, on the date of broadcast.

15. Promotional offers, advertisements, and surveys

You hereby consent that your Corporate data (including any Personal data) will be collected, used and disclosed by us in accordance with the Personal Data Protection Act 2012, for the provision of all services. We may also send you marketing mailers by post or emails or via SMS text, telephone or fax. You hereby consent that we may disclose your Personal data to our business partners and third-party service providers for these purposes. Where there are joint account holders, you confirm that they have consented to our collection, use and disclosure of their Personal data. In this context, you agree that:

15.1

We may inform you about promotional offers through mail, email, fax, SMS, telephone, or any other means of communication. You agree that we and our affiliates, and third parties selected by any of them can offer specially selected Products and Services to you through any means of communication provided above. For this purpose, you agree that we may transfer and disclose your information to our affiliates and third parties selected by any of them.

15.2

Third parties’ 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 shall be responsible for reviewing and understanding the terms and conditions associated with these services. You agree that we are not responsible for the performance of these services.

15.3

The Website may contain links to third parties’ websites as a convenience to you. The inclusion of any website link does not imply an approval, endorsement, or recommendation by us. You agree that you access any such website at your own risk, and that the site is not governed by the terms and conditions contained in this terms and conditions. We expressly disclaim any liability for these websites.

15.4

If you wish to be excluded from the Recipient lists for our promotional offers, advertisements or surveys, or find any incorrect entry in the information held by us or in the information provided by us to third service providers, you have to immediately notify us by calling our customer service by dialing +65 62297856.

16. Consent to broadcast and sending of push messages

You agree and consent to the sending by us and our affiliates of broadcast and push messages as well as notices and announcements to you via SMS/email blast. However, should you opt not to receive these messages, you may make a request to that effect by following the optout instructions regularly sent by us to you.

17. Compliance

You shall comply with all laws and regulations e.g. Payment Services Act related to the use of our remittance or money Transfer Services and the current anti-money laundering/counterterrorism financing legislation of your residence country. For further information on anti-money laundering/counter terrorism financing legislation: https://www.mas.gov.sg/regulation/anti-money-laundering/targeted-financial-sanctions

18. Limitation of liability

18.1

The Services are provided on an “as is” and “as available” basis. We do not warrant
(i) the accuracy, adequacy or completeness of the services, and expressly disclaim any liability for errors, delays or omissions in the Website, or for any action taken in reliance on the Website;
(ii) that the Services will be provided uninterrupted or free from errors, or that any identified defect will be corrected, nor that the Services and the Website are free from any computer virus or other malicious, destructive or corrupting code, agent, program or macros. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, satisfactory quality or fitness for a particular purpose, is given in conjunction with the Services. In particular, you should be aware that where Services are initiated or accessed via SMS, your mobile network operator’s confirmation that any SMS you sent has been sent to us or our service provider does not guarantee that we have executed, or even received, the electronic instructions contained within such SMS.

18.2

We may, from time to time and without giving any reason or prior notice, upgrade, modify, suspend or discontinue the provision of or remove, whether in whole or in part, the Services or any information, functionalities, services or products provided therein, and shall not be liable if any such upgrade, modification, suspension or removal prevents you from accessing the Services or associated information, functionalities, services or products.

18.3

Risks and expenses relating to the use of the internet and other telecommunication systems: we do not warrant the security of any information transmitted by you or to you 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 subject to interruption, transmission blackout, delayed transmission due to internet traffic or incorrect data transmission due to the public nature of the internet and the SMS system. You shall be responsible for obtaining and using the necessary services, software and/or device, hardware and/or equipment necessary to obtain access to the Services at your own risk and expense (including all costs levied by your mobile network operator).

18.4

Exclusion of liability: we shall in no event be liable to you or any other person for any loss, damages or expenses whatsoever or howsoever caused and regardless of the form of action (including tort 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 may have been advised of, or otherwise might have anticipated, the possibility of the same. We shall not at any time be liable for indirect or consequential losses, damages or expenses, even if foreseeable, within our contemplation or if we may have been advised of, or otherwise might have anticipated, the possibility of the same.

18.5

Information available through the Services: information displayed at the Services or sent to you in connection with the Services, may be from a variety of sources. All data and/or information contained in the Services or sent to you in connection with the Services is provided for informational purposes only. We make no representations as to the accuracy, timeliness, adequacy or commercial value of all such information and/or data. You should not act on data or information obtained through the Services or sent to you in connection with the Services, without first independently verifying its contents.

18.6

Refund: We will refund to you any benefit which we receive as a result of any breach of our Agreement with you (this means that, for example, where a money transfer has failed, in such circumstances we will refund to you the transaction amount (unless not permissible by any authority or any Government agency). We do not, in any event, accept responsibility for:
(i) any failure to perform your instructions as a result of circumstances which could reasonably be considered to be outside our control;
(ii) malfunctions in communications facilities which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to us;
(iii) any losses or delays in transmission of messages arising out of the use of any internet service provider or caused by any browser or other software which is not under our control; and
(iv) errors on the Website or with the Service caused by incomplete or incorrect information provided to us by you or a third party.

18.7

In no event shall we be liable for damages whether caused by negligence on the part of our employees, suppliers or agents or otherwise, beyond the sum of SGD 500. In no event shall we or our agents be liable for any indirect, special, incidental, consequential, exemplary or punitive damages, or the like.

19. Non-waiver of rights

No failure or delay on the part of us in exercising any right or power given here shall operate as a waiver of that right or power, and nor shall any partial or single exercise of any such rights or powers preclude any of the other rights or powers provided here. Moreover, no waiver by us or any of its rights or powers under this wallet Agreement shall be deemed to have been made unless expressed in writing and signed by its duly authorized representative.

20. Other means of communication

You undertake to notify us of any additional means of communicating with you aside from those disclosed in your registration for the Platform. Pursuant to such undertaking, you authorize us at its discretion but without any obligation to do so, to secure information from third parties such as but not limited to utility companies, insurers, and financial intermediaries, and to receive information on how and where you can be contacted.

21. Assignment of waiver

You agree that we, without notice to you, may assign, discount, or otherwise transfer part of all of its rights or obligations here. In the event of such assignment, you irrevocably agree not to assert against the assignee setoff rights of any obligation that may be owed by us to you. You may not assign your rights and obligations under these terms and conditions without our prior consent.

22. Your complaints

Any complaint regarding our service or problems shall be communicated to the hotline or contact us or other means in accordance with these terms and conditions. If we deem necessary, we will conduct an investigation of the complaint for its prompt resolution and communicate its findings to you. You agree to fully cooperate with any such investigation by providing the necessary or required data, information, and documents. You must resolve any complaint against any other party directly with them. You cannot setoff against us any claim you have against them, for example, any merchant or any party in respect of a money transfer.

23. Disclosure

We shall keep all your files and records in strictest confidence in accordance with the provisions of your residence country’s legislation and its privacy policy.

24. Severability clause

If any provision of the terms and conditions is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of the terms and conditions as reflected in the provision, and the other provisions of the terms and conditions shall remain in full force and effect.

25. Dispute resolution

MatchMove and you shall attempt to resolve any controversy or claim arising out of or relating to the creation, performance, termination and/or breach of these terms and conditions in the first instance 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 binding arbitration via the Singapore international arbitration center located in Singapore and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. Notwithstanding the foregoing, and solely with respect to breaches or threatened breaches of these terms and conditions, either party to these terms and conditions may seek a temporary restraining order and injunction to protect its legal rights or interests, without the need to post bond in any court having jurisdiction.

26. Miscellaneous article

26.1

Governing laws: This terms and conditions and any and all amendments thereto shall be governed by and construed in accordance with the substantive laws of Singapore, without reference to its conflicts of law provisions.

26.2

Act in good faith: We may act in any instruction we believe in good faith has been given by you according to the operating mandate.

26.3

You agree to indemnify us and all our servants, employees, nominees, directors and agents for any loss and embarrassment suffered by us (other than such loss and embarrassment arising from us or our employees’ and agents’ willful misconduct or negligence) in connection with:
A. Any account, related services or transaction;
B. Acting on or carrying out or delaying or refusing to act on any instruction you give us;
C. Searches and enquiries we make in connection with you, or a security provider;
D. The provision of any service to you and the performance of our functions;
E. Any service provided by any third party;
F. Any default or the preservation or enforcement of our rights under the terms of these terms and conditions or any other applicable terms and conditions in connection with any wallet or related services or as a result of your noncompliance with any of these terms;
G. Any action by us or any party against you relating to your account or services;
H. Any involvement by us in any proceeding of whatever nature for the protection of or in connection with the account or services;
I. Our compliance with any existing or future law or regulation or official directive in respect of any of these terms;
J. Taxes payable by us in connection with your account; and
K. Any increased cost in our funding if there is a change in law or circumstances.

26.4

Waiver: Any failure or delay by us in exercising or enforcing any right we have under the terms of these terms and conditions does not operate as a waiver of and does not prejudice or affect our right subsequently to act strictly in accordance with our rights.

26.5

Illegality: We may close and revoke any account or services with or without notice to you if, because of any change to any applicable law, regulation, regulatory requirement or judicial decision, or in our opinion, maintaining or performing any obligation under the terms in these terms and conditions becomes illegal, we detected illegality i.e. funds deposited with us are proceeds of crime i.e. drugs trafficking or dealings in other prohibited substances or proceeds of illegal arms trades, illegal gambling, prostitution, terrorist funds, etc. or we are otherwise prohibited from doing so. If this happens, you must indemnify us for all breaches caused by you i.e. damages, losses, legal fees, etc. suffered by us and pay us all liabilities on demand.

26.6

General construction and interpretation: In our opinion: when we determine a matter in our opinion, the determination is made at our absolute discretion. When we act or refuse to act on any matter including any instruction or transaction, we do not need to provide any reason for our act or refusal unless required by the law.

26.7

Timing: if we receive any instruction on a non-business day or after the specified clearance or cutoff times, we may treat the instruction as received on the following business day.

26.8

Amendments: We reserve the right to amend these terms and conditions at any time and for whatever reason it may deem proper, and any such amendment shall be binding upon notice to you by publication or other means of communication, electronic or otherwise. This is unless you object to those amendments by manifesting the intention to terminate your membership in writing within five (5) days from notice of the amendment. Your failure to notify us about this intention to terminate your membership as provided, and your continued use of your wallet and related services, or both, shall be taken as your conclusive acceptance of the amendments.

26.9

Any external links to third-party websites on the website are provided as a convenience to you. These sites are not controlled by us in any way and we are not responsible for the accuracy, completeness, legality or any other aspect of these other sites including any content provided on them. You access such websites at your own risk.

26.10

Subcontracting and delegation: we reserve the right to use any service providers, subcontractors and/or agents on such terms as we think appropriate.

26.11

Force majeure: we shall not be liable for any nonperformance, error, interruption or delay in the performance of its obligations or in the services’ operation, or for any inaccuracy, unreliability or unsuitability of the materials or any of the services’ contents if this is due, in whole or in part, directly or indirectly to an event or failure which is beyond its reasonable control (which includes without limitation acts of god, natural disasters, acts of any government or authority, any epidemic outbreaks, power failures, and the acts or a party for whom we is not responsible for).

26.12

We take security very seriously at MatchMove, and we work hard, using state-of-the-art security measures, to make sure that your information remains secure. The Platform and Services is a safe and convenient way to send money to businesses, employees, merchants, etc. and to other people that you trust. However, we do advise you to consider very carefully before sending money to anyone that you do not know well. In particular, you should be very cautious of deals or offers that seem too good to be true they may be scams. If you are aware of anyone or any entity that is using the service inappropriately, please email us using our contact form. Similarly, if you receive any emails, purporting to be from us, which you suspect may be “phishing” (fake) emails, please forward them to us using our contact form.

26.13 Contact information

Any questions, notices, and requests or further information should be directed to us by contacting our customer service at +6562297856.