Last Updated: 16 August 2025
Welcome to PaymentXchange. These Terms of Service (“Terms” or “Agreement”) govern your access to and use of the PaymentXchange platform (“PaymentXchange” or the “Platform”), operated by Infomina Geolytik Sdn Bhd (Company No.: 202501022684 (1624097-M)), (“Company,” “we,” “us,” or “our”). PaymentXchange is a digital platform that facilitates property transaction payments (such as earnest money deposits), and may offer related services like referrals for property financing or property valuations through integrated third-party services.
By accessing or using the Platform (including our website and any mobile applications), you (“User” or “you”) agree to these Terms, as well as our Privacy Policy and any other policies referenced herein. If you do not agree, you must refrain from using the Platform. If you are using the Platform on behalf of a company or other entity, you represent that you have authority to bind that entity to these Terms, in which case “you” will refer to that entity.
1. Eligibility and Account Registration
1.1 Eligibility: You must be at least 18 years old and have the legal capacity to enter into binding contracts in Malaysia to use PaymentXchange. If you are acting on behalf of a company, partnership, or other legal entity, you represent and warrant that you are authorised to bind that entity to these Terms. By using the Platform, you represent that you meet these requirements. If you are using the Platform to make payments or share data for a property transaction, you further represent that you are a party to or have the legal authority related to that transaction (e.g., a buyer paying a deposit, or an authorized representative). We may ask for proof of identity or other verification information to confirm eligibility and for compliance reasons (see Section 7).
1.2 Account Registration: Certain features of PaymentXchange (such as initiating a payment or accessing transaction records) may require you to create an account. When you register, you agree to provide accurate, current, and complete information. This may include your full name, NRIC or Passport number, contact information, and any other details we require for account setup or compliance (e.g., verifying your identity for AML purposes). You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. If you suspect any unauthorized use of your account or a security breach, you must notify us immediately. We reserve the right to suspend or terminate your account if any information provided during registration or thereafter is false, not current, or incomplete.
1.3 Account Security: You must maintain the security of your login credentials, mobile phone and registered phone number(s) used for authentication. You acknowledge that your account is personal to you. You must not share your login credentials or allow any other person to access the Platform using your credentials. You remain responsible for all activities conducted under your account. Any activity carried out under your account shall be deemed authorised by you unless you have promptly notified us of any actual or suspected unauthorsed use. We will never ask you for your credentials through unsolicited communications. To the fullest extent permitted by law, we are not liable for any loss or damage arising from your failure to safeguard your account, credentials, or devices.
2. Services and Scope of PaymentXchange
2.1 Platform Services: PaymentXchange provides a platform primarily to facilitate payment transactions related to property deals. For example, if you are purchasing a property through a real estate agency that uses PaymentXchange, you may use our Platform to pay your earnest deposit electronically into the designated account (such as a trust or stakeholder account). The Platform may generate digital receipts, track the status of payments, and notify relevant parties (like your agent or the seller’s agent) that a payment has been made. PaymentXchange may also allow you to view a history of transactions or relevant documents related to your property transaction. Please note that while the Platform facilitates payments, we are not a bank or escrow agent; funds are processed through third-party financial services (see Section 3).
2.2 Additional Features: From time to time, PaymentXchange may offer optional features or integrations, such as:
(i) ValuationXchange (VX) Integration: You might be able to request a property valuation or indicative market pricing through an integrated service (VX). If you choose to use this feature, with your consent, relevant property information you provide may be shared with licensed valuers or a valuation platform to generate an indication and/or valuation report.
(ii) Financing Referrals: If you indicate that you need home financing (e.g., a mortgage loan) for a property purchase, PaymentXchange might facilitate a referral to partner banks. This could involve collecting some financial or personal information from you and forwarding it to one or multiple banks or financial institutions, who may then contact you with loan offers or pre-approvals. This will only be done with your explicit consent at the time of the referral request (see Section 5.3 on data sharing).
(iii) Other Proptech Services: The Platform may integrate with or link to other property technology services (for example, digital signing of contracts, insurance quotes for your new property, or moving services). Use of any such services may be subject to additional terms from those third-party providers, which will be presented to you when applicable.
2.3 No Professional Advice: The Platform and its content (including any valuation estimates, loan offer indications, or other information) are provided for convenience and informational purposes. We do not provide legal, financial, or real estate advice. For example, presenting a valuation or a loan offer via the Platform does not constitute an endorsement or recommendation by the Company. You should consult qualified professionals (lawyers, financial advisors, etc.) before making decisions in your property transactions.
2.4 Service Modifications: We reserve the right to improve, modify, suspend, or discontinue any aspect of the Platform at any time. We will endeavor to provide notice (via the site or email) for major changes that affect the way you use the service, but there may be instances (such as security updates or legal compliance changes) where immediate modification is necessary. As long as you comply with these Terms, we grant you a personal, non-exclusive, non-transferable, revocable right to use the Platform and its features.
3. Payment Processing and Third-Party Services
3.1 CHIP Payment Processing: PaymentXchange uses third-party payment service providers to handle the online transfer of funds. In particular, payments are processed through the “CHIP” platform (Chip In Sdn Bhd (Company No.: 202201010914 (1456611H)), which is an established digital payments provider in Malaysia. When you initiate a payment (for example, paying a deposit), you may be redirected to or interfacing with CHIP’s payment gateway to enter your bank or card details. By using the payment features, you agree to CHIP’s Terms of Service, which are available at chip-in.asia/terms-of-service. These terms govern things like how refunds are handled, allowable payment methods, and dispute processes for transactions. We do not store your banking login or card details on our servers; those are handled by CHIP or the respective bank interfaces.
3.2 Transaction Authorization: When you submit a payment instruction, you authorize the Company and its payment partners (like CHIP) to process the transaction for the stated purpose (e.g., transfer RM x as a deposit for property Y to the designated stakeholder account). You are responsible for ensuring that all payment details you provide (amount, recipient account, reference, etc.) are correct. The Platform may populate some details (like the payee account and reference) for you based on the property transaction info given by your agent or developer; however, you should double-check them. Neither the Company nor the payment provider is liable for funds sent to a wrong account due to incorrect details entered by you.
3.3 Fees: We currently do not charge service fees for use of the Platform. However, the underlying payment channels might have charges (for instance, your bank might charge you for an online transfer, or CHIP might charge the recipient a transaction fee). Any such charges will typically be disclosed to you before you confirm a transaction. We reserve the right to introduce service fees in the future (for example, a convenience fee for certain transactions or premium features). Any such fees will be clearly communicated to you in advance and implemented in accordance with Section 9 of these Terms. Continued use of the Platform after such communication will constitute your acceptance of the new fees.
3.4 Third-Party Links and Content: The Platform may contain links to third-party websites or display content provided by third parties (like a bank’s logo or a link to a valuer’s profile). These are provided for your convenience. We do not control and are not responsible for any third-party sites or content, and their inclusion does not imply endorsement. If you access external websites or use third-party services through the Platform, you will be subject to the terms and policies of those third parties. We are not responsible for the content, security, or practices of such third-party providers, and your dealings with them are solely between you and the third party.
3.5 No Warranty of Third-Party Services: We may integrate with third-party services (such as CHIP for payments, and reputable banks for financing referrals). While we exercise due care in choosing reputable providers, we do not warrant or guarantee the performance, availability or suitability of any third-party services. Any issues arising from the processing of payments (including but not limited to bank errors, payment gateway downtime, or transaction reversal, etc.) are governed by your agreement with the relevant financial institution or CHIP. We will use reasonable efforts to assist you — for example, by providing transaction reference IDs or relevant support contacts — but we are not responsible or liable for the acts, omissions or failures of third parties.
4. User Responsibilities and Acceptable Use
4.1 Accurate Information: You agree that all information you provide via the Platform is true, accurate, complete and up-to-date. This includes personal details, payment information, and any documents or data you might upload (for example, identification documents). If any of your information changes, you must promptly update it on the Platform or notify us or the relevant party (for example, if your contact number changes, update it so that your agent can reach you about the transaction). You are responsible for any losses, delays, or issues arising from the provision of false, incomplete, or outdated information.
4.2 Use for Intended Purpose: You shall use PaymentXchange only for its intended purpose of facilitating legitimate property-related transactions and services. Prohibited uses include, but are not limited to, fraudulent activity, impersonation, money laundering, terrorism financing, or using the platform as a general remittance tool unrelated to property transactions.
4.3 No Unauthorized Access: You agree not to attempt to gain unauthorized access to any part of the Platform, user accounts, computer systems, or networks connected to the Platform, whether through hacking, credential harvesting, data mining, or any other unlawful or prohibited means. You must not test, scan, or probe the vulnerability of our systems, nor attempt to bypass or breach our authentication or security measures, nor interfere with the normal operation of the Platform. If you inadvertently discover a vulnerability, you must inform us promptly and responsibly, and must not use, disclose, or exploit it in any way.
4.4 Device and Software Requirements: Using PaymentXchange requires compatible devices, reliable Internet access, and certain software (which may require regular updates). You are responsible for ensuring you meet these requirements, including keeping your device secure and updated, and for any charges from your internet or mobile providers. We are not responsible if the Platform does not function properly due to your failure to meet these technical or security requirements (for example, using an outdated browser or not updating the app).
4.5 Third-Party Charges: You are solely responsible for any fees or charges imposed by third parties in connection with your use of our Platform. This may include, for example, bank fees for transfers, mobile data charges, foreign exchange charges, or fees from a third-party services you access through the Platform.
5. Privacy and Data Consent
5.1 Privacy Policy: Your use of PaymentXchange is subject to our Privacy Policy, which explains how we collect, use, and protect your personal data. By using the Platform, you acknowledge that you have read and understood the Privacy Policy. Our Privacy Policy, available at https://www.valuationxchange.com/privacy-policy, forms part of these Terms.
5.2 PDPA Consent: Infomina Geolytik Sdn Bhd is the data user under the Malaysian Personal Data Protection Act 2010 (as amended 2024) (“PDPA”). By providing personal data through the Platform, you consent to our collection, use, processing and disclosure of such data in accordance with the PDPA and our Privacy Policy. Data may also be transferred to our headquarters and affiliates outside Malaysia, subject to the restrictions of Section 129 of PDPA.
5.3 Data Sharing with Banks and Valuers: If you choose to opt-in to certain services, we will share your data with the relevant third parties strictly as necessary and with your explicit consent:
(i) Financing (Bank Referral): Should you consent to be referred to partner banks for financing, you agree that we may provide the relevant details (such as name, contact information, and property details) to one or more licensed banks or financial institutions. Those institutions will use your data solely for assessing your eligibility and may contact you directly regarding financing. Once transferred, your data will also be governed by the receiving bank’s privacy policy and terms.
(ii) ValuationXchange (VX): If you request a valuation or similar service, we may transmit details such as the property address, type, and your name/contact details to VX or an appointed valuer. The valuation report may be provided back to you through the Platform and, if you separately consent, may be shared with a bank in connection with financing.Your consent for each sharing will be obtained explicitly (for example, by ticking a separate box or clicking “Submit” on a clearly-labeled form for that service). If you do not opt in, no such data sharing will occur beyond what is strictly necessary to provide the core payment service.
5.4 User Communications: Communications you make through the Platform (for example, messages to support or notes in transaction forms) may be recorded, monitored and retained for purposes including quality assurance, training, dispute resolution, and security. Where the Platform offers chat or comment features in the context of a transaction, such communications may be visible to the relevant parties involved and to us (for moderation or support purposes). By using such features, you consent to our storing and reviewing such communications as reasonably necessary to operate and improve the Platform.
5.5 Data Security: We implement reasonable technical and organizational security measures to protect your personal data. However, you understand that no digital system is perfectly secure. You play a role in security as well. You are responsible for keeping your login credentials confidential, and for ensuring your devices are secure. We will never request your credentials via SMS, phone call, email or any other insecure channel. If you suspect unauthorised access to your account, you must notify us immediately. In the event of a security breach affecting your information, we will notify you as required by law and take reasonable steps to remediate it. We may temporarily suspend or restrict access to your account where necessary to protect your data or the Platform.
6. Intellectual Property and Content
6.1 Our Intellectual Property: PaymentXchange and all content and materials on the Platform (including text, graphics, logos, button icons, images, software, and the design, selection, and arrangement thereof) are the intellectual property of the Company or its licensors. They are protected by copyright, trademark, and other intellectual property laws. “PaymentXchange”, “PX”, and associated logos are trademarks or service marks of the Company. You are granted a limited, revocable license to use the Platform and view its content for your personal, non-commercial use in connection with property transactions. You may not reproduce, distribute, create derivative works from, publicly display, or commercially exploit any portion of the Platform except as expressly permitted by us in writing.
6.2 User Content: In certain scenarios, the Platform may allow you to submit or upload content (“User Content”). For example, you might upload identification documents, or add comments or notes in a transaction flow. You retain ownership of any intellectual property rights that you hold in that User Content. However, by submitting User Content, you grant us a non-exclusive, worldwide, royalty-free license (with the right to sublicense to our service providers or partners as needed) to use, reproduce, display, and distribute your User Content for the purpose of operating and providing the services. For instance, we might need to display your uploaded information to the intended recipient or share your documents with a bank if you are applying for a loan through the Platform. We will only use personal documents consistent with our Privacy Policy and the context you provided them for.
6.3 Prohibited Content: You agree not to upload or transmit any User Content that:
(a) infringes any third-party intellectual property or privacy rights;
(b) contains viruses or malicious code;
(c) is false or misleading; or
(d) is offensive, defamatory, or otherwise unlawful.
We reserve the right (but have no obligation) to remove or disable access to any User Content that we believe violates these Terms or applicable law or that is harmful to the Platform or other users. However, the primary purpose of PaymentXchange is transactional, and we generally do not pre-screen documents or attachments. You remain solely responsible for ensuring that you have the rights to any content you upload and that it is appropriate.
6.4 Feedback: If you choose to provide us with suggestions, ideas, or other feedback about the Platform (“Feedback”), you agree that we can use and share such Feedback for any purpose without compensation to you. Feedback is not considered confidential and may be used to improve our services. (E.g., if you suggest a new feature, we might implement it and will not owe you royalties or attribution.)
7. Compliance, AML and Sanctions
7.1 Identity Verification and KYC: Given the nature of PaymentXchange in facilitating financial transactions related to property deals, we and our payment partners must comply with all applicable Anti-Money Laundering and Anti-Terrorism Financing (AMLA) laws and Know Your Customer (KYC) regulations in Malaysia. Accordingly, we may, at any time, require you to verify your identity and provide supporting documents or information (such as NRIC/passport, proof of address, or response to due diligence questions). By using the Platform, you agree to promptly provide accurate and complete information when requested. Failure to do so, or if your information is found to be false, misleading, or raises concerns under AMLA requirements (including appearing on a sanctions or watchlist), may result in suspension, restriction, or termination of your account and transactions without liability to us. We also reserve the right to report suspicious transactions or activities to the relevant authorities as required by law.
7.2 Transaction Monitoring: All transactions made through PaymentXchange are subject to monitoring for compliance and risk management purposes. We use both automated systems and manual reviews to detect unusual, suspicious or prohibited activities (such as structured transactions, dealings with high-risk jurisdictions or transactions involving politically exposed persons (PEPs)). If a transaction or account activity is flagged, we may place a temporary hold on the payment or suspend your account pending review. You may be required to provide additional information or documentation (for example, proof of source of funds or purpose of transaction). We reserve the right to delay, refuse or cancel any transaction if we reasonably believe it may contravene or violate applicable law, these Terms, or expose us or our partners to regulatory consequences or liability. To the maximum extent permitted by law, we are not liable for any loss, cost, or delay arising from such actions.
7.3 No Illegal Use: You represent that the funds you use via PaymentXchange are not derived from any illegal activities, and that the transactions you engage in are bona fide and lawful. You also agree not to use PaymentXchange for any transactions involving countries, entities, or individuals that are subject to sanctions or trade restrictions under Malaysian law or other applicable international sanctions (e.g., UN or US OFAC sanctions). If you are a resident or associated with a country that is under sanctions or if you are on any sanctions list, you must not use this Platform.
7.4 Reporting: We and our licensed payment partner may be legally obligated to report certain activities to authorities, including suspicious transactions or transactions exceeding prescribed thresholds. By using the Platform, you acknowledge that such report may be made to Bank Negara Malaysia’s Financial Intelligence Unit or other relevant bodies, without further notice to you. While we value user privacy, compliance with applicable laws and regulations remains our priority.
7.5 Cooperation: You agree to fully cooperate with us in the event of any inquiry, whether conducted internally or by a regulatory or law enforcement authority, relating to your use of the Platform. Such cooperation may include providing additional information about a transaction, re-verifying your identity, or supplying documents related to the underlying property transaction (for example, a copy of the Sale and Purchase Agreement) to confirm legitimacy. Failure to cooperate, or the discovery of material discrepancies in the information provided, may result in suspension or termination of your account.
8. Termination and Suspension
8.1 User Initiated Termination: You may stop using the Platform at any time. If you have an account, you can request account deactivation or deletion by contacting our support. Please note that certain data may be retained as required by law (for example, transaction records that must be kept for a statutory retention period). If you request to terminate your account while ongoing transaction is still in progress (e.g., payment that has been initiated but not completed), we recommend waiting until the transaction is fully processed. Terminating your account will not abort transactions already in progress.
8.2 Our Right to Suspend/Terminate: We may, at our discretion, suspend or terminate your access to the Platform or your account at any time, with or without notice, if we believe: (a) you have violated these Terms or any applicable law; (b) you have provided false or misleading information or refused to provide information needed for KYC; (c) you are engaged in fraudulent or suspicious activity; or (d) it’s necessary to protect the security of the Platform or other users, or to comply with legal requirements. Suspension referring to a temporary restriction (for example, freezing your ability to make new payments pending investigation), whereas termination means a complete discontinuation of the service to you.
8.3 Effect of Termination: Upon termination of your account, whether by you or by us, your right to access and use the Platform will immediately cease. You should promptly delete the app (if installed) and removed any saved credentials from your devices. Any pending transactions that have not been completed may be cancelled (with funds returned where appropriate); however, if a payment has already been executed to a beneficiary, you must arrange any refund or reversal directly with the beneficiary or through your agent. Provisions of these Terms that by their nature should survive termination (including those relating to privacy, intellectual property, disclaimers, limitation of liability, and dispute resolution) will survive. Termination does not affect any rights, remedies or obligations that arose prior to the termination date; for example, outstanding fees (if any) or compliance with ongoing investigations.
8.4 Notice of Termination: Where reasonably practicable and permitted by law, we will attempt to notify you (for example, via email or app notification) of any suspension or termination of your account. However, in cases where we are legally restricted from doing so (for example, pursuant to a law enforcement directive) or if providing notice could undermine security or ongoing investigations, we may withhold such notice. In cases of suspension (as opposed to termination for serious violations), we will generally provide a channel for you to contact us for clarification or request reinstatement, unless prohibited by law.
9. Changes to Terms
9.1 Updates to Terms: The Company may revise or update these Terms from time to time. If we make material changes, we will notify users by posting the updated Terms on our website and updating the “Last Updated” date at the top, and/or by sending an email to the address associated with your account or providing an in-app notification. It is your responsibility to review these Terms periodically. Continued use of the Platform after the effective date of updated Terms constitutes your acceptance of those changes. If you do not agree to the revised Terms, you must discontinue use the Platform and may request closure of your account.
9.2 Change in Services: Similarly, if we introduce new services or make significant changes to the Platform or pricing (for example, introducing user fees or a subscription for certain features), we will provide reasonable notice and the opportunity for you to accept or decline. For example, if a new fee applies to a service you use, we may require you to check a box or otherwise confirm acceptance before you incur it. While we aim to avoid abrupt changes, some enhancements may be rolled out as part of the Platform’s ongoing development. We also welcome feedback on such changes, as user input is valuable (see Section 6.4 on Feedback).
9.3 Emergency Changes: If urgent changes are required by law or for security reasons (for example a change in law that requires immediate updates to these Terms, or addressing a newly identified security threat), we may implement those changes with shorter or no prior notice. Such changes will take effect upon posting or as required by law. We will mark the changes accordingly and you always retain the right to stop using the Platform if you do not agree.
10. Disclaimers and Limitation of Liability
10.1 Disclaimer of Warranties: PaymentXchange is provided on an “as is” and “as available” basis. While we strive to provide a useful and reliable service, we make no warranties or representations of any kind, whether express or implied, about the Platform. This includes, without limitation, warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, availability, security, or that the service will be uninterrupted or error-free. For example, we do not guarantee that:
(a) payments will always process without delays (as banking network issues may arise outside our control);
(b) the platform will meet all your expectations or requirements; or
(c) any information (such as property listings, valuations or loan offers) obtained via the Platform is completely accurate, complete, or applicable to your circumstances. Any material, information or data you access, download or otherwise obtain through the Platform is done at your sole discretion and risk.
10.2 No Liability for Certain Damages: To the fullest extent permitted by law, the Company and its affiliates, directors, officers, agents, employees and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages that result from your use of, or inability to use, the Platform. This includes, for example, loss of profits, revenue, business, goodwill, opportunities, data, or the cost of substitute services. We are not liable for any damages or losses arising from transactions or relationships between you and third parties (such as with real estate sellers, or banks).
10.3 Exceptions: Nothing in these Terms excludes or limits liability that cannot be excluded under the law. For example, this includes liability for death or personal injury caused by our negligence, or for fraudulent misrepresentation. Additionally, consumer protection laws may imply certain guarantees or impose obligations that cannot be excluded – to the extent those laws apply, these Terms operate subject to those protections.
10.4 Acknowledgment: You understand that PaymentXchange is a tool to assist with property transaction processes, but it is not infallible and not a substitute for your own diligence. We do not participate in the underlying property transactions beyond providing the Platform; we are not responsible for the legality, validity, or success of any property deal. For instance, if a property sale falls through or if there is a dispute about refund of a deposit, that is outside our scope (though the platform may store relevant evidence such as receipts). Similarly, if you engage with a bank through our referral feature, we are not responsible for that bank’s decision to approve or reject a loan, or any terms of a loan they offer.
11. Indemnification
11.1 Your Indemnity to Us: You agree to indemnify, defend, and hold harmless Infomina Geolytik Sdn Bhd (the Company), its affiliates, and their respective directors, officers, employees, and agents (collectively, the “Indemnified Parties”), from and against any and all losses, liabilities, claims, demands, damages, or expenses (including reasonable legal fees) arising out of or related to:
(a) your breach of these Terms or any policy referenced herein;
(b) your misuse of the Platform or violation of any applicable law or regulation (including, without limitation, using the platform for illegal activities, or failing to obtain a required consent under the PDPA);
(c) any dispute between you and a third party (such as a seller, agent, or bank – while we facilitate transactions, obligations between you and those parties remain solely yours); or
(d) any content or information you provide including, without limitation, if you upload material that infringes intellectual property rights or defames another person, and we are sued or investigated as a result).
11.2 Procedure: If any Indemnified Party receives a claim or legal action to which this indemnity may apply, we will give you prompt notice (to the extent legally permitted). A delay in providing such notice will not relieve you or your indemnity obligations, except to the extent you are materially prejudiced by the delay. You shall assume control of the defense and settlement of the claim with counsel experience in subject matter, reasonably acceptable to us. We reserve the right, at our own expense, to participate in the defense. You shall not settle any claim in a manner that admits fault or imposes non-monetary obligations on us , or otherwise adversely affects our rights or interests, without our prior written consent.
11.3 Continuing Obligation: This indemnity obligation will survive any termination of your account, your relationship with PaymentXchange or cessation of use of the Platform. This provision is intended to allocate risk between you and us (we operate the platform, but if your use causes claims or losses, you are responsible for protecting us). The indemnified parties expressly entitled to enforce this indemnity directly in their own name.
12. Miscellaneous
12.1 Governing Law: These Terms are governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law principles. If you are accessing the Platform from outside Malaysia, you do so on your own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. However, the platform is primarily targeted for use in Malaysia for Malaysian property transactions.
12.2 Jurisdiction and Dispute Resolution: You agree that any dispute arising out of or relating to these Terms or the Platform shall be subject to the exclusive jurisdiction of the courts of Malaysia. All claims shall be litigated in the Malaysian courts, and not submitted to arbitration, unless the Company, at its sole discretion, elects arbitration for a specific matter. By using the Platform, you irrevocably consent to the jurisdiction and venue of the Malaysian courts and waive, to the extent permitted by law, any objection on grounds of inconvenience or otherwise. For the avoidance of doubt, if you are a consumer, you may have rights under applicable consumer protection laws to bring an action in your local courts, and nothing in these Terms is intended to limit such statutory rights.
12.3 Severability: If any provision of these Terms is found to be unlawful, void, or for any reason unenforceable by a court of competent jurisdiction, that provision will be deemed severable from these Terms and will not affect the validity and enforceability of the remaining provisions. The invalid or unenforceable provision will be interpreted or replaced with a valid one that comes closest to the intent of the original provision.
12.4 No Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver of any provision of these Terms will be effective only if in writing and signed by us. In other words, even if we don’t immediately act on a breach by you, we still can enforce it later; similarly, any leniency or exception we grant you in one instance doesn’t constitute a permanent waiver.
12.5 Assignment: You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations under these Terms to an affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets related to the Platform, and you hereby consent to such assignment. These Terms will bind and inure to the benefit of the parties, their successors, and permitted assigns.
12.6 Entire Agreement: These Terms (including any referenced policies, such as the Privacy Policy and any additional service-specific terms made available within the Platform) constitute the entire agreement between you and Infomina Geolytik Sdn Bhd regarding your use of PaymentXchange. They supersede all prior or contemporaneous agreements, understandings, or communications, whether written or oral, relating to the same subject matter. In the event of inconsistency between these Terms and any other service-specific terms, the later shall prevail solely with respect to that feature or service (unless explicitly stated otherwise).
12.7 Contact Information: If you have any questions about these Terms, or need to contact us for any reason, please reach out to us at:
Infomina Geolytik Sdn Bhd – PaymentXchange Support
Address: BO3-C-12, Menara 3A, 3 Jalan Bangsar, KL Eco City, 59200 Kuala Lumpur, Malaysia.
Email: [email protected]
We value your feedback and trust in PaymentXchange. By clicking “I Agree” or by using the Platform, you acknowledge that you have read, understood and accepted these Terms of Service, and agree to use the Platform responsibly.
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