AEON WALLET MALAYSIA USER
TERMS AND CONDITIONS

1. Introduction

1.1 The following terms and conditions ("Terms of Usage") shall govern your use of AEON Credit Service (M) Berhad’s AEON Wallet application ("AEON Wallet") using a compatible and supported Device (as defined in clause 29 herein). These Terms of Usage form a legal agreement that is binding between you and AEON Credit Service (M) Berhad ("AEON Credit") when you download, activate and/ or use the AEON Wallet, including enhancements and new versions made available in the future. By using AEON Wallet, you agree that you have fully read, understood and accepted the Terms of Usage. If you do not agree with these Terms of Usage, please do not continue with the registration process or using AEON Wallet.

1.2 In addition to these Terms of Usage, you also agree to comply with and adhere to the Terms & Conditions of the following agreements (whichever applicable):

1. a) the AEON Credit Card* Cardholder Agreement;
2. b) the AEON Prepaid Card* Cardholder Agreement;
3. c) the customer agreement for loyalty programme/ membership card issued by or for AEON Credit
4. and/ or AEON group of companies in Malaysia (“AEON Group”) (whichever applicable); and
5. d) the terms and conditions of any other document or agreement governing your relationship with
6. us, including any AEON financing agreements and various types of credit cards and prepaid cards
7. issued by AEON Credit) 
(*Note: Including various types of credit cards and prepaid cards issued by ACSM)

2. AEON Wallet Application Software (“the Application”)

2.1 To use the AEON Wallet, you are required to download the application software from Google Playstore, Huawei App Gallery or Apple Store to your Device, and thereafter register the AEON Wallet with AEON Credit through the application.

2.2 AEON Credit is not responsible or liable in any way for your access to the Google Playstore, Huawei App Gallery and Apple Store. You are solely responsible for the installation, configuration or compatibility of the hardware, software and other equipment used for installation of the AEON Wallet application on your Device.

3. Your Responsibilities

3.1 You agree to register for the AEON Wallet and provide true, accurate, current and complete information as prompted by AEON Wallet's registration form ("Registration Data"). If you provide any information that is untrue, inaccurate, not current or incomplete, or if AEON Credit has reasonable grounds to believe that any information is untrue, inaccurate, not current or incomplete, AEON Credit has the right to suspend or terminate your access to AEON Wallet and refuse all current or future use of AEON Wallet (or any part thereof) without any liability.

3.2 You shall ensure the compatibility of your Device with AEON Wallet. If changes and upgrades are introduced to AEON Wallet, you shall be responsible for ensuring the continued compatibility of your Device and you shall have no claim whatsoever against AEON Credit arising therefrom.

3.3 You shall be responsible for any Device, software and mobile network/ data services necessary to use AEON Wallet and for ensuring accuracy of information or transaction data submitted or confirmed by you using the AEON Wallet; and

3.4 You shall not install the Application on a jail-broken or rooted Device. Unauthorized modifications to any Device(s) operating systems ("jail-breaking or rooting") bypass security features and can cause numerous issues to the hacked devices; thus, such Device(s)are vulnerable to fraudulent attacks and may expose your Account(s) registered under AEON Wallet being used by unauthorized persons, whether remotely performed or otherwise.

3.5 You shall be solely responsible for all fees and charges related to access and connection to the AEON Wallet including but not limited to phone/ telecommunication usage, mobile data usage charges and any other charges imposed by any Network/ Wi-Fi Service Provider.

3.6 Your AEON Wallet cannot be transferred and you must be the individual holding the NRIC or passport number registered with AEON Credit.

3.7 You are responsible for maintaining the confidentiality of the Password or PIN for the Application, and you shall be fully responsible for all activities/ transactions made with your Password or PIN or Account. AEON Credit 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 PIN, your failure to exit from the Application immediately upon ceasing to using the Application for any transaction or enquiry, or your negligence in safeguarding/securing Device against loss or theft.

4. Use of AEON Wallet

4.1 By installing the Application, you represent and warrant that you are the person holding the relevant credit card, prepaid card, loyalty programme/ membership or other account with AEON Credit to be enrolled for utilisation in the AEON Wallet.

4.2 By using the Application, you agree and undertake to use the Application functions in accordance with these Terms of Usage, and accept the risk that by enabling the Application on your Device, unauthorised access may arise using your login information, and you will be liable solely for all information accessed or transactions performed by any other person without your knowledge, authority or consent.

4.3 References to material and information contained on AEON Wallet include such material and information provided by third parties. AEON Credit does not make any express or implied warranties including but not limited to any warranties of title, non-infringement, merchantability, usefulness, operation, completeness, currency, accuracy, satisfactory quality, reliability, fitness for a particular purpose in respect of such material, information and/ or functions therein.

4.4 You understand and agree that the AEON Wallet is provided on "As-Is Basis" and that AEON Credit assumes no responsibility for your inability to access/ use the AEON Wallet or any part thereof, the rejection of your transactions, the incorrect processing of your transactions as a result of your failure to maintain your account with the Network/ Wifi Service Provider or your failure to obtain or use the necessary application version, Device(s), internet browser and/ or other hardware and/ or software including but not limited to any failure to upgrade the relevant operating system and/ or software or to use the new and recent versions of the same as may be required by AEON Credit.

4.5 AEON Credit does not warrant that access to the whole or part(s) of AEON Wallet, the materials,information and/ or the functions contained therein will be provided uninterrupted or free from errors or that there will be no delays, failures, errors or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your Device.

4.6 Without limiting the above and/ or the terms and conditions of the applicable agreements governing all the products and services of AEON Credit, reasonable measures will nevertheless be taken by the Company to ensure the integrity of systems and processes as well as timely processing of transactions and information requests related to services offered by the Company through the AEON Wallet.

4.7 The materials, information and functions provided shall not under any circumstances be considered or construed as an offer or solicitation to sell, buy, give, take, issue, redeem or transfer, or as the giving of any advice in respect of loans, advances, credits or easy payment products in any jurisdiction. You shall be responsible to evaluate the quality, adequacy, completeness, currency and usefulness of all services, content, advice, opinions and other information obtained or accessible through AEON Wallet.

4.8 While there are no charges currently imposed by AEON Credit for installation and usage of AEON Wallet, the Company may in the future impose fees/ charges for AEON Wallet (or service(s) under AEON Wallet) at any time, at its sole discretion by providing prior notice to you in accordance with Clause 27.

5.0 Wallet Account Type

5.1 A summary of AEON Wallet Account type and its limitations is as follows:

5.2 To use AEON Wallet, you must download the application on your Device and create wallet account with AEON Credit. Once wallet account is created, you will have Basic Wallet Account type where wallet limit size is RM200.00 only.

5.3 You may opt-in to increase your wallet account limit to RM10,00.00 by successfully completing e-KYC process. Once it is completed, you will be entitled to Premium Wallet Account together with its benefitand feature.

5.4 In the event of any issues encountered with e-KYC process, you may proceed to any of AEON Credit branch or counter.

5.5 Upon completing e-KYC process, you acknowledge that AEON Credit may use relevant Personal Information and Data for identity verification and/ or authentication purposes.

5.6 Peer to peer transactions (Money In/ Out) for Basic Account is not allowed, this shall exclude the repayment transaction from Basic Account to any of AEON Credit Financing or Card product.

5.7 AEON Point Redemption is not allowed to Basic and Premium Account. If you wish to redeem collected AEON Points, you may proceed to apply AEON Member Plus Visa Card in AEON Wallet or any AEON Credit branch or kiosk. Only upon successful card collection, you will be allowed to proceed with point redemption into cash.

5.8 The Wallet Statement will provide transactions history including fees and charges for the past Twelve (12) months, except for transactions which are not processed by AEON Credit yet.

1. 5.8.1 You may request AEON Credit for a printed statement of account detailing the purchase
2. transactions for the Wallet Account up to a period of three (3) months and AEON Credit shall be
3. entitled to charge a fee of Ringgit Malaysia Five (RM5.00) only per statement or at such other rate
4. as may be prescribed by AEON Credit from time to time and such fee may be debited by AEON
5. Credit directly from the Stored Value of the Prepayment in your Wallet Account.
   
   
6. 5.8.2 All information contained in such statements issued by AEON Credit shall be deemed to be
7. accurate, conclusive and binding on you as Wallet Owner, unless you notify AEON Credit
8. otherwise in writing within fourteen (14) business days of the date of receipt of such statements.
9. For avoidance of doubt, such statement of account shall be deemed to have been duly received
10. by you within forty-eight (48) hours from the date of posting