PLEASE READ THESE TERMS OF SERVICE CAREFULLY. YOU SHOULD NOT REGISTER A RAZER PAY ACCOUNT OR YOU SHOULD IMMEDIATELY CEASE YOUR USE OF RAZER PAY IF AT ANY TIME YOU DISAGREE WITH THE TERMS OF SERVICE HEREIN. YOUR REGISTRATION AND/OR CONTINUED USE OF RAZER PAY SHALL MEAN THAT YOU UNDERSTAND, ACCEPT AND AGREE TO BE GOVERNED BY ALL OF RAZER PAY’S TERMS OF SERVICE. ANY PERSON THAT YOU ALLOW TO ACCESS THE SERVICE USING YOUR ACCOUNT SHALL ALSO BE BOUND BY THESE TERMS OF SERVICE.

PREAMBLE

Welcome to Razer Pay™.

The Service (as defined below) is provided by Razer Fintech (SG) Pte Ltd (formerly known as Razerpay Pte Ltd) (“RAZER”) a subsidiary of Razer Inc. These Terms of Service ("ToS") shall govern your access to and/or use of the Service. We reserve the right to amend, modify, add or remove any provisions under these ToS at any time as we deem necessary with 21 days’ notice to you before any such variation to the terms and conditions take effect. Your continued use of the Service shall constitute your acceptance of the prevailing ToS including any term which may have been amended. You are responsible to regularly check these ToS.

In addition, you shall be subjected to any guidelines or rules applicable to such Services, which may be posted from time to time. All such guidelines or rules are hereby incorporated by reference into the ToS. RAZER may also from time to time, offer other services that are governed by different terms of service. These ToS do not apply to such other services.

CONSUMER ADVISORY — RAZER, THE HOLDER OF RAZER PAY, A STORED VALUE FACILITY, DOES NOT REQUIRE THE APPROVAL OF THE MONETARY AUTHORITY OF SINGAPORE. CONSUMERS (USERS) ARE ADVISED TO READ THESE TOS CAREFULLY.

1. DEFINITIONS
   1. For the purpose of these ToS, the following expressions or capitalized words when used herein shall have the following meaning: -

      Terms	Description
      "Account"	means Razer Pay™ e-wallet account opened by you to subscribe to the Service.
      "Add Funds	means the service which enables you to deposit money into your Account in exchange for the Services via channels designated by RAZER.
      "Available Balance"	means the balance available in your Account which you can use at any given time subject to the Wallet Limits. For the avoidance of doubt, the amount reflected as the Available Balance in your Account shall include amounts deducted for pending Transactions.
      "Content	means any java games, information text, sound, music, software, photographs, videos, graphics, data messages, contest or other materials purchased or received by you.
      "Customer Care Support"	means RAZER’s customer service team which provides customer support services in accordance with the ToS when contacted at https://support.razer.com/razer-pay/contact-us/.
      "e-money"	refers to electronically stored funds in exchange for monies paid which may be used as a payment instrument or for other transactions with participating Merchants.
      "Fund Transfer"	means the service which enables you to transfer money from your Account to other Razer Pay™ user accounts and any other bank accounts / e-wallet accounts locally held with the banks and e-wallets providers which are part of the FAST network in Singapore.
      "Merchant(s)"	refers to parties or entities which accept e-money transactions through Razer Pay for their products, goods/services.
      "Mobile Device"	means a portable and wireless telecommunications device together with accessories including but not limited to smartphones and handheld tablets used by you to access and/or use the Service.
      "Mobile Number"	means a mobile number registered with a telecommunication provider in Singapore.
      "Payment	means the service which enables you to reload, pay bills or pay for purchases from RAZER’s authorised Merchants.
      "Personal Information"	means information collected by RAZER during the registration process from you for the provision of the Service.
      "Passcode"	means your six (6) digit mobile personal identification number used to log into your Razer Pay™ Account.
      "Razer Pay™ ID"	means Mobile Number assigned by you as the Razer Pay™ ID.
      "Razer Pay™"	means e-wallet for cashless Transactions.
      "Service(s)"	means transactions such as Add Fund, Fund Transfer and Payment offered by the Razer Pay™ platform.
      "Transaction"	means transactions such as Add Fund, Fund Transfer, Payment performed by you via Razer Pay™ subject to the Wallet Limits.
      "Website"	means http://pay.razer.com
      "Wallet Limit"	means the limits set out under Clause 4(b)(ii) of these ToS and such other amounts and figures as may be determined by RAZER from time to time in its sole and absolute discretion.
      "You" or "Your"	means the registered owner of the Account, authorised to use the Service subject to the ToS herein.

   2. A reference to any statute, statutory provision or regulation will be construed as a reference to the same as it may be amended, modified or re-enacted from time to time.
   3. Headings are included for convenience only and do not have any legal effect nor affect the interpretation of these ToS.
   4. The singular includes the plural and vice versa.
2. DESCRIPTION OF SERVICE
   1. Our Service comprises the supply of an e-wallet, Razer Pay™ which you can use to accept and make payments. The scope of the Services we provide to you is further defined in paragraph 4. You will not earn interest on funds held in an e-Wallet.
   2. To use the Service, you must obtain access to the World Wide Web, either directly or through mobile devices that can access web-based Content, unless explicitly stated otherwise, any new features that augments or enhances the current Service, including the release of new Razer Pay™ mobile application and web application properties. You shall be subjected to the ToS. You acknowledge that RAZER is not responsible or liable in any way for your access to the World Wide Web.
   3. You must provide all equipment necessary to make such connection to the World Wide Web, including a computer and modem or other access device. You acknowledge that you are solely responsible for the set-up, configuration or compatibility of the hardware, software and other equipment used by you for obtaining access to the Service. RAZER does not make any warranty, representation and/or undertaking (expressly, impliedly or otherwise) that Razer Pay™ and any subsequent revisions, modifications, updates, upgrades or versions is and would be compatible with your Mobile Device/equipment. It is your responsibility to ensure that Razer Pay™ is and will be compatible with your Mobile Device or equipment at all times and you acknowledge and agree that RAZER shall not be liable in any manner whatsoever for any liability, loss, damages, cost and expense suffered and/or incurred by you due to Razer Pay™ being incompatible with your Mobile Device/equipment.
   4. You understand and agree that the Service is provided on "As-Is Basis" and that RAZER assumes no responsibility for the timeliness, currency, deletion, non-delivery or failure to store any user communications or personalization settings.
   5. You acknowledge that you are solely responsible for the security of your Mobile Device.
3. USE OF SERVICE
   1. For the Service to be made available to you, you must sign up for a free of charge Razer Pay™ Account and you agree to provide (a) true, accurate, current and complete information about yourself as prompted by the Service's registration form (such information being the "Registration Data") and (b) maintain as well as promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or RAZER has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, RAZER has the right to suspend or terminate your Account and refuse any and all current or future use of the Service (or any portion thereof) without any liability to you.
   2. The provision of the Services and the activation of your Account is at RAZER’s sole and absolute discretion.
   3. You may only use the Service once your account has been activated. Once your Account has been activated, your use of the Service shall be strictly in accordance with these ToS.
   4. Each person shall only be eligible to register for one Razer Pay™ Account per one valid Singapore NRIC/Passport. Duplicate accounts are not permitted and shall be terminated upon detection.
   5. The Service is strictly for your own personal use only as a subscriber of the Service. Any instructions, confirmation and/or communication sent from your Mobile Device/equipment be deemed to have been sent and/or issued by you irrespective of whether such instructions, confirmations and/or communications were actually sent by you or not. You shall be personally liable and responsible for the use of your Account including but not limited to all transactions undertaken and/or transacted using the Account once the said transaction has been authenticated irrespective of whether the transactions is undertaken and/or transacted by you unless it can be established that such transactions was erroneously transacted due to an error on RAZER’s part.
   6. RAZER is concerned about the safety and privacy of all its users, particularly children. For this reason, RAZER has aligned to EU GDPR requirements, whereby no individual under the age of 16 will be allowed to subscribe to the Service.
   7. The Services may also allow you to purchase products and/or services from third parties including the Merchants. Any transaction entered into between you and such third parties for third party product and/or services shall also be subject to any terms and conditions which may be stipulated by such third parties. Any such transactions are entered into at your own risk and you acknowledge and agree that RAZER shall not take any responsibility and/or liability for the products and/or services offered by the third parties to you including but not limited to the delivery, quality (including any defects or deficiency in the products and/or services), safety or the fitness for purpose of the products and/or services purchased by you from such third parties. RAZER shall not be responsible for the refusal of any merchant to honour or accept your purchases or payment made through the use of the Service. You further acknowledge and agree that you shall not initiate any legal proceedings against us for any claim you may have against such third parties.
4. SCOPE OF THE SERVICE
   1. The Service is made available by RAZER to you at its sole and absolute discretion:
      1. Add Fund into your Account subject to the Wallet Limit;
      2. Fund Transfer from your Account to another Razer Pay™ user Account; and/or
      3. Fund Transfer to and from accounts held locally with the following banks and e-wallets which are part of the FAST bank transfer network in Singapore;
         1. FAST participating banks
         1) DBS Bank/POSB
         2) OCBC Bank
         3) United Overseas Bank
         4) Standard Chartered Bank
         5) CIMB Bank
         6) Citibank NA
         7) Citibank Singapore Ltd
         8) ANZ Bank
         9) Deutsche Bank
         10) HL Bank
         11) HSBC
         12) HSBC Bank (Singapore) Limited
         13) ICICI Bank Limited Singapore
         14) Industrial and Commercial Bank of China Limited
         15) Maybank Singapore Ltd
         16) Malayan Banking Berhad
         17) Mizuho Bank
         18) Bank of China
         19) RHB Bank
         20) BNP Paribas
         21) Sumitomo Mitsui Banking Corporation
         22) The Bank of Tokyo Mitsubishi UFJ
         23) Sing Investments & Finance Ltd
         1. FAST participating e-wallets
         1) Grab
         2) Liquid/Xnap
         3) MatchMove Pay
         4) Razer Pay
         5) Singtel Dash
         6) Wise (formerly TransferWise)
         1. To register for the Fund Transfer service, you must read and agree to the required consent. Once you have registered to the Fund Transfer service, you may no longer Add Fund to your Account through your credit card but you may Add Fund through all the other available methods including through any of the FAST participating banks and e-wallets. You are to note that the registration to Fund Transfer service is not reversible.
            and/or
      4. Make Payment for reloads, pay bills or pay for purchases from RAZER’s authorised merchants using your Account.
   2. In using Razer Pay™ and the Services:
      1. You authorize the deduction of funds from your Account and the deposit of funds into your Account to carry out the relevant transactions;
      2. Your use of the Service is subject to the Wallet Limits (below listed) applicable to your Account. This qualification includes but is not limited to you being restricted and/or prohibited from receiving any Fund Transfer whereby the total amount in your Account will exceed your Account Limit.

         Wallet Limits	Unverified Account (yet to successfully complete the verification process)	Verified Account (successfully completed the verification process)
         Account Limit (maximum amount of funds in your Account at any one time)	S$400	S$5,000
         Daily Payment Limit	S$400	S$5,000
         Daily Fund Transfer Limit	S$0	S$1,000
         Monthly Payment Limit	S$800	S$10,000
         Daily Top Up Limit (maximum number of Top Ups)	Two (2)	Ten (10)
         Annual Transaction Limit (maximum Transaction amount based on calendar year)	S$10,000	S$30,000

      3. You are to ensure that there is sufficient available balance in your Account before using the Service to cover the total cost of the transaction (including any taxes) failing which RAZER reserves the right to block, reject or decline the transaction to be transacted through your Account.
   3. You can start using our Service upon your registration of an Account by downloading the Razer Pay™ mobile application onto your Mobile Device. All information provided must be accurate as the information will be required for account verification purposes by RAZER and you confirm the veracity of all information provided by you. Your Account cannot be transferred and will solely belong to the NRIC or passport holder registered under the mobile phone number in Razer Pay™. The Passcode represents a security element, having a strictly personal and confidential character and should not be disclosed in any way. You are fully responsible for maintaining the confidentiality of the Passcode and for all activities that occur under your Passcode or Account and shall ensure that you log out from your Account at the end of each session. RAZER cannot and will not be liable for any loss or damage arising from your failure to take reasonable steps to maintain the confidentiality of your Account or Passcode.
   4. You can access the Service by logging into the Razer Pay™ mobile application onto your Mobile Device.
   5. In the event that you key in the wrong password more than five (5) times consecutively or the wrong payment pin more than five (5) times consecutively, your Account will be blocked for three hours, and the system will automatically suspend your Account temporarily from making any Transaction. Your Account will automatically be unblocked three hours later, or you can reset your password immediately using your ID and mobile One-Time-Password for verification.
   6. The limit of your Transactions shall be subject to the Account Limit at any one time and Wallet Limits for all Services available in Razer Pay™.
   7. The record of all Transactions authenticated through the transaction PIN Number and Mobile Device number registered for the Account shall be binding and conclusive evidence of your Transactions. Any information, instructions and/or confirmation sent from the Mobile Device via the Account shall be deemed to have been issued by you notwithstanding that such information, instructions and/or confirmation may have been issued by a third party, whether authorised or otherwise, RAZER shall deem that the Services has been accessed legitimately and the Transactions conducted shall be valid. RAZER shall not entertain any request to reverse any wrongful Transactions authenticated through the Transaction PIN Number and Mobile Device / mobile number registered for the Account.
5. THE RIGHTS OF RAZER
   1. Notwithstanding anything to the contrary, we reserve the right to block, decline, suspend or later reverse any Transaction at our sole and absolute discretion without assigning any reason thereto. We reserve the right to forfeit all amounts in your Account in the event where we reasonably believe that your use of the Service may be fraudulent, illegal, or is involved in any criminal activity, or where we reasonably believe you to be in breach of these ToS.
   2. RAZER may run campaigns/contest or promotions in relation to the Service as may be notified to you from time to time. You agree that your participation in such campaign/contest/promotion shall be subject to the specific terms and conditions of such campaign/contest/promotion.
   3. RAZER reserves the right to make any alteration or changes to the Service, or any part thereof, or suspend or terminate the Service or any part thereof without prior notice and RAZER shall not be liable for any loss or inconvenience to you resulting therefrom.
   4. RAZER reserves the right to amend, modify, change, delete, add or vary the ToS from time to time at their absolute and sole discretion. These amendments and variations may include, but not limited to changes in the product features and service offerings. RAZER shall provide at least twenty-one (21) calendar days’ notice of any such amendments, modifications, changes, deletion, addition or variation prior to the amendments or variations taking effect.
   5. All notices by RAZER in relation to variation of ToS may be given by displaying on the screen upon access to the Razer Pay and/or Website, via email, Facebook messenger or any other manner as RAZER deems fit.
   6. In the event where RAZER is of the view that immediate changes are necessary to effect variations or updates to the Service/Razer Pay product offerings or to safeguard the security of the Accounts and the Service, you acknowledge that Razer Pay may be automatically updated at RAZER’s sole discretion without notice to you.
   7. You shall be deemed to have agreed and accepted such amendments or variations of ToS without reservation if you continue to access and use the Service after the effective date of any such amendments or variations on the date specified in the notice, or where effective date is not specified, after a period of twenty-one (21) calendar days from when notice is communicated.
6. YOUR RESPONSIBLITY
   1. You agree to the following terms in relation to your use of the Service or operation of your Account:
      1. You agree to use the Service for valid and lawful purposes only;
      2. You will not use or attempt to use the Service, or any offers made under the Service in any way or for any purpose other than as intended or offered by us;
      3. You warrant and represent that all funds received or channelled through your Account shall originate from legitimate sources or activities;
      4. You will not do anything which disrupts, interferes/interrupts with the proper operation of the Service;
      5. You agree to use the Service on the basis that you are personally responsible:
         • for ensuring the compatibility of your Mobile Device with RAZER’s system. In the event that changes, and upgrades are introduced to RAZER’s system and/or Razer Pay, you shall be responsible to ensure the continued compatibility of your Mobile Device and you shall have no claim whatsoever against RAZER arising therefrom;
         • for all equipment and software necessary to use the Service and also for the security and integrity of all information and data transmitted, disclosed and/or obtained through the use of the Service; and
         • for all usage of the Service.
      6. You agree to not use the Service to carry out any activity which may be illegal or prohibited by law, and, you also agree that you will not use the Service to:
         • upload, post, email or otherwise make available or transmit any Content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libellous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
         • harm minors in any way;
         • impersonate, or falsely state or otherwise misrepresent your affiliation with, any person or entity, including, but not limited to, a RAZER official, forum leader, guide or host;
         • forge headers or otherwise manipulate identifying information in order to disguise and/or with the effect of disguising the origin of any Content transmitted through the Service;
         • upload, post, email or otherwise make available or transmit any Content: that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
         • upload, post, email or otherwise make available or transmit any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights ("Rights") of any party;
         • upload, post, email or otherwise make available or transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation, except in those areas (such as, but not limited to, shopping rooms) that are designated for such purpose;
         • upload, post, email or otherwise make available or transmit any material that contains software viruses, or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
         • disrupt the normal flow of dialogue, cause a screen to "scroll" faster than other users of the Service are able to type, or otherwise act in a manner that negatively affects other users' ability to engage in real time exchanges;
         • interfere with or disrupt the Service or another person's use of the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;
         • intentionally or unintentionally violate any applicable law, statute, regulation, rule or code, including, but not limited to, any regulations or rules of any regulatory body, governmental agency or national or other securities exchange;
         • "stalk" or otherwise harass another person; or
         • collect or store personal data about any other user.
      7. You further agree that you will not:
         • use the Service to cause excessive or disproportionate load on the Service or RAZER’s system;
         • use, permit or cause to be used the Service improperly or for any activities which breach any laws, regulations, infringe a third party’s rights, or breach any directives, content requirements or codes promulgated by any relevant authority including activities which will require RAZER to take remedial action under any applicable industry code or in a way interferes with other users or defames, harasses, menaces, restricts or inhibits any other use from using or enjoying the Service or the internet; or
         • use the service to receive, access or transmit any content which is obscene, pornographic, threatening, racist, menacing, offensive, defamatory, in breach of confidence, in breach of any intellectual property right (including copyright) or otherwise objectionable or unlawful;
         • circumvent user authentication or security of any host, network or account (referred to as "cracking" or "hacking") nor interfere with service to any user, host or network (referred to as "denial of service attacks") nor copy any pages or register identical keywords with search engines to mislead other users into thinking that they are reading RAZER's legitimate web pages (referred to as "page-jacking"), or use the Websites or the Services for any other unlawful or objectionable conduct. Users who violate systems or network security may incur criminal or civil liability, and RAZER will at its absolute discretion fully co-operate with investigations of suspected criminal violations, violation of systems or network security under the leadership of law enforcement or relevant authorities;
         • use the Websites and/or the Services to advertise or offer to sell any goods or services for any commercial purpose without RAZER's written consent;
         • access, tamper with, or use non-public areas of the Website, RAZER’s computer systems, or the technical delivery systems of RAZER’s providers;
         • attempt to probe, scan, or test the vulnerability of any RAZER system or network or breach any security or authentication measures;
         • avoid, bypass, remove, deactivate, impair, descramble or otherwise circumvent any technological measure implemented by RAZER or any of RAZER’s providers or any other third party (including another user) to protect the Website or the Services;
         • attempt to download the Services through the use of any engine, software, tool, agent, device or mechanism (including spiders, robots, crawlers, data mining tools or the like) other than the software and/or search agents provided by RAZER or other generally available third party web browsers;
         • use the Website or Services for any commercial purpose or the benefit of any third party or in any manner not permitted by these terms of use, unless expressly permitted;
         • forge any TCP/IP packet header or any part of the header information in any email or newsgroup posting, or in any way use the Website or Services to send altered, deceptive or false source-identifying information;
         • attempt to decipher, decompile, disassemble or reverse engineer any of the software used to provide the Website or Services;
         • interfere with, or attempt to interfere with, the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, or mail-bombing the Website;
         • collect or store any personally identifiable information from the Website or Services from other users of the Website or Services without their express permission; or
         • directly or through the use of any device, software, internet site, web-based service, or other means remove, alter, bypass, avoid, interfere with, or circumvent any copyright, trademark or other proprietary notices marked on the Products or any digital rights management mechanism, device, or other content protection or access control measure associated with the Service including geo-filtering mechanisms.
7. CONTENT & LINKS
   1. You understand and acknowledge that all the Content, whether publicly posted or privately transmitted via the Service, are the sole responsibility of the person from which such Content originated. This means that you and not RAZER are entirely responsible for all Content that you upload, post, email or otherwise transmit via the Service. RAZER cannot and does not control or monitor the Content posted via the Service and, as such, cannot and does not guarantee the accuracy, integrity or quality of such Content. You understand and acknowledge that by using the Service, you may be exposed to Content that is offensive, indecent or objectionable. Under no circumstances will RAZER be liable in any way for any Content, including, but not limited to, any exposure to offensive, indecent or objectionable Content, any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of any Content posted, emailed or otherwise transmitted via the Service.
   2. You acknowledge that RAZER cannot and does not pre-screen Content, but that RAZER and its designees shall have the right (but not the obligation) in their sole discretion to refuse or move any Content that is available via the Service. Without limiting the foregoing, RAZER and its designees shall have the right to remove any Content (whether or not provided by you) that violates the ToS or is otherwise objectionable in their sole opinion, without being liable to you in any way for any loss or damage arising from such removal. You agree that you must and will evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you may not and will not rely for any purpose on any Content created by RAZER or submitted to RAZER, including without limitation information in RAZER Website, and in all other parts of the Service.
   3. You acknowledge and agree that RAZER may in its sole discretion preserve any Content, and disclose any Content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the ToS; (c) respond to claims that any Content violates the rights of third-parties; or (d) protect the rights, property, or personal safety of RAZER, its users and the public.
   4. You understand that the technical processing and transmission of the Service, including your Content, may involve (a) transmissions over various networks; and (b) modifications to conform and adapt to technical requirements of connecting networks or devices..
   5. The Service may provide, or third parties may provide, links to other World-Wide websites or resources. You acknowledge and agree that RAZER has no control over such websites and resources, and that RAZER is therefore not responsible for the availability of such external websites or resources and does not endorse and is not responsible or liable for any Content, advertising, products, or other materials on or available from such websites or resources. You further acknowledge and agree that RAZER shall not be responsible or liable in any way for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such website or resource.
8. RAZER'S PRIVACY POLICY
   1. You agree to our Privacy Policy incorporated herein by reference and accept that it forms an integral part of these ToS. You consent to our use of your personal data in accordance with the terms of our Privacy Policy and prevailing privacy policies. You agree that by registering an Account and/or using the Service you have authorised and consented to your personal data being disclosed to and/or processed by such third parties as may be necessary for the purpose of providing the Service to you.
   2. You grant us consent to confirm your personal data with other agencies/entities in order to verify your identity and/or to comply with any legal or regulatory requirements, including any AML/CFT verification, in connection with the Service.
   3. You accept that we may be required to revise our Privacy Policy from time to time. All revisions will be promptly notified through our website. Your continued use of the Service shall mean that you have agreed and consented to our Privacy Policy and policy as revised.
   4. In the event that we are provided with personal data of minors that are linked to your Account, you undertake and warrant that you are the legal guardian of the minor and expressly consent to the processing of the minor’s personal data for the purpose of the Service. You personally accept and agree to take responsibility on his/her behalf and to be bound by these ToS and our Privacy Policy.
9. UNAUTHORISED USE
   1. You agree to immediately notify RAZER by contacting our Customer Care Support in the event there is any fraudulent or unauthorized use of your Passcode or Account or any other breach of security. Our RAZER Customer Care Support shall immediately suspend your Account and investigate your complaint and respond to you as soon as practicable of your complaint. However, RAZER shall not be liable to compensate your loss as it is your duty to take the necessary precautions to safeguard your Passcode.
   2. If your Razer Pay™ Reload PINs have been stolen, lost, misplaced, damaged or malfunctions, you shall immediately notify our Customer Care Support and provide us with the receipt or any proof of purchase of the Razer Pay™ PIN. In the event the Razer Pay™ PINs have not been utilised, Customer Care Support shall block the PIN and refund the unutilised amount of Razer Pay™ PIN to your Account. However, if the Razer Pay™ PINs have been utilised, RAZER shall investigate and upon you lodging a report with the relevant authorities, RAZER shall assist the authorities by providing the relevant information to accommodate the investigation however RAZER shall not be liable to compensate your losses.
   3. You acknowledge that the Service is and remains at all times the property of RAZER and you shall:
      1. exercise all due care and diligence in the custody, care and use of the Service; and
      2. not tamper or allow anyone to tamper with the Service.
   4. You must immediately notify Customer Care Support and report to the authorities of any loss, fraud, suspected fraud, dishonest use or theft of your Mobile Device or any illegal use of your Account. You will be liable for all charges incurred in relation to the fraudulent use of the services, in the event of your lost/stolen Mobile Device until we receive notification from you as stated above for suspension of your Account.
   5. Notwithstanding the aforesaid, RAZER may refuse your Account from using the Services if your Account is suspected to have been fraudulently used, stolen or tampered with and RAZER shall not be liable for any loss, cost or damage suffered, if any, by you as a result thereof.
10. INDEMNITY

    You agree to indemnify and hold RAZER, and its subsidiaries, affiliates, officers, agents, co-branders or other partners and employees, harmless from any claim or demand, including reasonable legal fees, made by any third party due to or arising out of Content you submit, post to, transmit or make available through the Service, your usage, your connection, your violation of the ToS, your violation of any rights of any other person, or your breach of any applicable law.

11. NO RESALE OF SERVICE

    You agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the usage or access of the Service.

12. GENERAL PRACTICES REGARDING USE AND STORAGE

    You acknowledge that RAZER may in its sole discretion establish general practices and limits concerning use of Service, including without limitation the manner in which the Service may be used. You acknowledge that RAZER reserves the right to terminate and/or delete accounts that are inactive for an extended period of time. You further acknowledge that RAZER reserves the right to modify these general practices and limits at any time, in its sole discretion, with or without notice, and you agree that your continued use of the Service after such modification will constitute your acceptance of an agreement to be bound by the modified general practices and limits.

13. REFUND POLICY
    1. If you request for refund for any Transaction completed under the Service, you may contact Customer Care Support. Subject to RAZER determining to its satisfaction that your money was wrongly deducted from your Account by RAZER due to a technical error, RAZER will refund to your Account such money which was wrongly deducted. You may only receive a refund which is subject to RAZER’s sole discretion at all times, for the following Service:
       1. Add Fund;
       2. Payment; and/or
       3. Fund Transfer.
    2. You shall be required to contact the respective merchants for a refund for products purchased from the merchants using Razer Pay™ as a payment instrument. In the event that RAZER decides that you are entitled to a refund on instruction of the Merchant, the sum of the refund (if any) may be remitted to you within thirty (30) working days, via a rebate into your Razer Pay™ account.
    3. Razer will not be liable for any delay in refunds caused by the Merchants.
    4. In the event your Account balance would exceed the Account Limit after the completion of the refund process, the refund process will automatically fail. You would then be required obtain a different refund method or process from the Merchant.
14. DISPUTE RESOLUTION
    1. The payment notification issued by RAZER confirming any transaction performed by you shall be conclusive evidence of such transaction, and the funds as displayed on your Account shall be conclusive evidence of the funds available in your Account. If you discover, in your view, any error or discrepancy in your Account, you must contact the Customer Care Support within fourteen (14) days from the date of the disputed transaction, failing which, you shall be deemed to have accepted the accuracy of your Transaction.
    2. If it is revealed in the course of RAZER’s investigation that the disputed Transaction was indeed made in error by us (as may be determined by RAZER in its sole and absolute discretion), RAZER will refund the disputed sum in the manner prescribed under our Refund Policy.
    3. RAZER reserves its right not to refund any disputed amount to you if RAZER believes that you have acted contrary to these ToS.
    4. You hereby agree and consent to the disclosure and release by RAZER of any information in the possession of RAZER relating to you, the particulars of the Transaction(s) or any designated account relating to the Transaction(s) for the purpose of investigating any claim or dispute arising out of or in connection with the Transaction(s) under the Service which consent shall survive the termination of the Service
    5. You hereby agree that in the event of a dispute or claim of any nature arising in respect of any Transaction, the records of the Transaction(s) available from RAZER shall be used as a reference and shall be the sole basis of settling the aforesaid dispute or claim.
15. TERMINATION
    1. You may at any time discontinue the use of the Service by contacting our Customer Care Support who shall assist you with the refund of Available Balance in your Account subject to the terms and conditions determined by RAZER. RAZER shall at its sole discretion confirm the unutilised Available Balance in your Account and refund monies due to you within 30 days subject always to RAZER receiving a duly completed Refund Form together with the relevant documents made available to you through your registered email by our Customer Care Support and security verification and provided always that there are no pending disputes, claims or lawful reason for us to hold on or retain any sum.
    2. You agree that RAZER in its sole discretion, may terminate your Account (or any part thereof) or use of the Service, and remove and discard any Content within the Service, for any reason, including, without limitation, for lack of use or if RAZER in its sole opinion believes that you have violated or acted inconsistently or fraudulently with the letter or spirit of the ToS.
    3. You agree that RAZER may in its sole discretion and at any time discontinue providing the Service, or any part thereof, with or without notice. You also agree that any termination of your access to the Service under any provision of this ToS may be effected without prior notice and acknowledge and agree that RAZER may in its sole discretion immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or the Service. Further, you agree that RAZER shall not be liable in any way to you or any third-party for any termination of your access to the Service.
    4. You further agree that if RAZER terminates or suspends the Service or any part thereof for any fraudulent use of the Services, RAZER shall not be obliged to refund or return any balance of monies in the Account until and unless clearance has been obtained from the relevant authorities, if applicable.
16. DEALINGS WITH THIRD PARTIES
    1. Your correspondence or business dealings with, or participation in promotions of, other parties found on or through the Service (including without limitation advertisers and other users of the Service), including Fund Transfer, Payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such other party. You agree that RAZER shall not be responsible or liable in any way for any loss or damage of any sort incurred as the result of any such dealings with such other parties, as the result of the presence of such other parties on the Service, or as the result of the use of the Service in any way by such other parties.
    2. You agree not to hold liable in any manner whatsoever in the event of a dispute between you and a merchant or other third parties unless it is manifest that such dispute arose from a breach, default or error or omission on our part under these ToS.
17. INTELLECTUAL PROPERTY RIGHTS
    1. You acknowledge and agree that the Service and any necessary software/system used in connection with the Service contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that Content contained in sponsor advertisements or information presented to you through the Service or advertisers is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by RAZER or advertisers, you agree not to modify, adapt, rent, lease, loan, sell, distribute or create derivative works based on the Service, the software or the Content (excluding Content owned by you), in whole or in part.
    2. You acknowledge and agree that the Services and Razer Pay™ are protected by copyrights, trademarks, service marks, patents, or other proprietary rights and laws. All rights are expressly reserved. You are only allowed to use Razer Pay™ and the Services as set out in the Terms and Conditions, and nothing on the Razer Pay™ and/or the Services shall be construed as conferring any license or other transfer of rights to you of any intellectual property of other proprietary rights of RAZER.
    3. RAZER respects the intellectual property of others, and we ask our users to do the same. If you believe that your work has been copied in a way that constitutes copyright, trade mark or other intellectual property infringement, please provide RAZER Customer Care Support, the following information:
    • an electronic or physical signature of the person authorized to act on behalf of the owner of the intellectual property interest;
    • a description of the intellectual property right that you claim has been infringed;
    • a description of where the material that you claim is infringing is located on the Website;
    • your address, telephone number, and email address;
    • a statement by you that you have a good faith belief that the disputed use is not authorized by the intellectual property right owner, its agent, or the law;
    • a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the intellectual property right owner or authorized to act on the intellectual property right owner's behalf.
18. DISCLAIMER OF WARRANTIES

    YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. RAZER EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT (OTHER THAN ANY WARRANTY THE EXCLUSION OF WHICH IS NOT LAWFUL).

    RAZER MAKES NO WARRANTY THAT (I) THE SERVICE WILL MEET YOUR REQUIREMENTS, (II) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (IV) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN THE SOFTWARE/SYSTEM WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

    NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM RAZER OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOS (SAVE FOR ANY FRAUDULENT MISREPRESENTATION BY RAZER).

    CUSTOMER CARE SUPPORT WILL USE COMMERCIALLY REASONABLE EFFORTS TO PROVIDE THE CUSTOMER SUPPORT SERVICES IN A PROFESSIONAL MANNER BUT CANNOT GUARANTEE THAT EVERY QUESTION OR PROBLEM RAISED BY YOU CAN OR WILL BE RESOLVED.

19. EXCLUSION OF LIABILITY

    You expressly understand and agree that RAZER shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if RAZER has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the Service in the event such inability is caused by factors outside the control of RAZER; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into as a result of your reliance on misrepresentation by any third party; (iii) unauthorized access to or alteration of your transmissions or data by any third party; or (iv) any actions taken by you based on statements or conduct of any third party of the service.

20. DISCLAIMERS AND EXCLUSIONS

    You acknowledge that the disclaimers and exclusions of liability represents a fair and reasonable allocation of the risks and benefits of the agreement between RAZER and you, taking all relevant factors into consideration, including without limitation the value of the consideration provided by you to RAZER and the availability and costs of insurance with respect to the said risks. You further agree that these disclaimers and limitations shall be enforceable to the fullest extent permitted by applicable law.

21. NOTICE

    Notices to you may be made via your Razer Pay™ ID. RAZER may also provide notices of changes to the ToS or other matters by displaying notices or links to notices, to you via your Razer Pay™ ID. You agree that such notices, will constitute sufficient and adequate notice to you of the matters contained therein. All notices, requests and/or other communications from you to RAZER under these ToS shall be communicated to our Customer Care Support.

22. CONTACT DETAILS

    If you have any requests, inquiries or feedback to RAZER on this ToS, kindly contact our Customer Care Support at https://support.razer.com/razer-pay/contact-us/.

23. GENERAL INFORMATION
    1. The ToS constitute the entire agreement between you and RAZER and governs your use of the Service, superseding any prior understandings and agreements between you and RAZER and any previous statements or representations from either party to the other party. You also may be subjected to additional terms and conditions that may apply when you use affiliate services, third-party content or third-party software.
    2. The ToS and the relationship between you and RAZER shall be governed by the laws of Singapore without regard to its conflict of law provisions.
    3. You and RAZER agree that any dispute arising out of or in connection with this ToS, including any question regarding its existence, validity or termination, shall be referred to and finally resolved by arbitration in Singapore in accordance with the Arbitration Rules of the Singapore International Arbitration Centre ("SIAC Rules") for the time being in force, which rules are deemed to be incorporated by reference in this clause.
    4. The failure of RAZER to exercise or enforce any right or provision of the ToS shall not constitute a waiver of such right or provision. If any provision of the ToS is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavour to give effect to the parties' intentions as reflected in the provision and to construe such provision to the maximum extent permitted by law so as to render that provision valid and enforceable and that the other provisions of the ToS shall remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the ToS must be filed within one (1) year after such claim or cause of action arose or be forever barred.