“Applicable Laws” means all laws, codes of practice, regulations, policies, guidelines, instructions or other instruments having the force of law in whatsoever form that any competent regulatory, governmental or judicial authorities (“Authority”) may issue from time to time relating to the Services or otherwise.

“Application” shall have the meaning as described in Clause 3.1.

“AML/CFT” means anti-money laundering and countering financing of terrorism.

“Beneficiary” means an individual who is nominated by a Customer to receive funds via the eRemit Singapore Service.

“Business Day” means a day on which banks are open for the transaction of general business in Singapore, other than a Saturday, Sunday or public holiday.

“Converted Amount” means, in respect of a remittance transaction, the amount in the local currency of the relevant Territory that is credited into a Beneficiary’s bank account or made available for a Beneficiary’s self-collection, after converting the Remittance Amount based on the applicable Exchange Rate for the time being, subject nevertheless to the relevant terms of any third party service which may apply to such transaction.

“Customer” means an individual whose Registration Application for the eRemit Singapore Service has been accepted by Kliq and whom the provision of the eRemit Singapore Service has not been suspended or terminated for any reason whatsoever.

“Customer Information” means all information which Kliq obtains in relation to a Customer as a result of Customer’s registration and use of the eRemit Singapore, including any information which relates to remittance transactions, information which relates to another individual (including Beneficiaries), whether true or not, and any information of a Customer that is collected, used or disclosed as described in the eRemit Singapore Data Protection Policy.

“Electronic Option” means the individual’s provision of personal information for service registration electronically without in-person contact.

“eRemit Singapore Mobile App” means the eRemit Singapore Mobile Application that Customers may download for use on their mobile device, in relation to the eRemit Singapore Service, subject to these Terms.

“eRemit Singapore Service or Service” means the remittance service provided by Kliq that enables a Customer to remit funds to nominated Beneficiaries in the manner and subject to these Terms.

“Intellectual Property” means trademarks, service marks, trade names, domain names, rights in designs, patents, database rights of unfair extraction and reutilisation, copyrights (including rights in computer software), rights in know-how and other intellectual or industrial property rights (whether registered or unregistered and including applications for the registration of any of the foregoing) and all rights or forms of protection having equivalent or similar effect to any of the foregoing which may subsist anywhere in the world.

“Kliq” means Kliq Pte Ltd (Company Registration Number 200802243M

“Kliq Website” means www.eremit.sg or such other internet website as Kliq may maintain in respect of the eRemit Singapore Service.

“Remittance Amount” means, in respect of a remittance transaction, the amount in Singapore Dollars specified by a Customer to be remitted to the relevant Beneficiary when making a Transaction request (prior to any conversion of such amount).

“Terms” means these General Terms and Conditions for eRemit Singapore Service, including any revisions, changes or amendments thereto from time to time.

“Territory” means the list of countries indicated at the Website or any other country designated as a participant country by Kliq from time to time.

“Transaction Request” shall have the meaning ascribed to it in Clause 4.1.

“Transaction” means a remittance transaction using the eRemit Singapore Service to transfer funds to a Beneficiary in the relevant Territory, performed by Kliq at the Customer’s request.

(a) The headings or titles to the Clauses in these Terms are intended to facilitate reference and shall not be relied upon in the construction of any provision of these Terms;

(b) The singular shall include the plural and words in the masculine gender shall include the feminine gender and/or neuter gender and vice versa;

(c) The words “include” or “including” in these Terms shall be deemed to be followed by “without limitation” or “but not limited to” whether or not they are followed by such phrases or words of like import.

2.2.1 The Customer must be of the legal age of majority to contract in the jurisdiction in which the Customer resides (and in any event, no less than eighteen (18) years of age) and be legally capable and permitted to agree to these General Terms; and

2.2.2 The Customer must have full capacity, authority and legal right to enter into and engage in Transactions, and has taken all necessary action or obtained all necessary consents to authorise the Customer’s entry into this Agreement and performance of the Customer’s obligations in respect thereof in accordance with Applicable Laws; and

2.2.3 The Customer shall comply with the provisions of these General Terms and any registration guidelines or specific criteria in relation to the relevant Territory as may be set out by Kliq from time to time; and

2.2.4 The Customer must have a valid Singapore-registered mobile number in order to register for the Service.

(a) via the eRemit Singapore Mobile App; or

(b) through the Website; or

or(c) at roadshows organised by Kliq or such other authorised locations as Kliq may determine from time to time.
3.1 An individual may submit an application to register for the Service (“Application”) through any one of the following channels:
3.2 Each Application must be accompanied with or followed by the submission of such supporting documentation and information as Kliq may require in order to verify the individual’s identity, to facilitate Kliq’s assessment of the Application. The submission must be done individually through the app via MyInfo or the Electronic Know Your Customers (EKYC) Process.
3.3 An individual using the eRemit Singapore Mobile App may choose to submit the supporting documentation and information using the Electronic Option subject to the individual’s consent to all applicable terms as may be required whether by Kliq or by any applicable third party service provider.
3.4 The individual undertakes that all information provided in or pursuant to his Application shall be true, accurate, current and complete at the time of application and for such time as he remains a Customer; and shall promptly notify Kliq of any changes to such information and produce the original identification documents for verification online and through the digital platforms, unless otherwise instructed by Kliq.
3.5 Each individual may nominate up to five (5) Beneficiaries. The individual shall provide Kliq with such information relating to each Beneficiary as may be required by Kliq including the relevant bank account or cash out agent details in the Territory to which the funds will be transferred to such Beneficiary using the Service, and the individual undertakes that all information so provided shall be true, accurate, current and complete at all times. It shall be the individual’s responsibility to ensure that any changes to information relating to Beneficiaries are promptly notified to Kliq via the Website or the eRemit Singapore Mobile App.
3.6 Kliq may take up to three (3) Business Days to process any Application. Kliq reserves the right at its absolute discretion to decline any Application in whole or in part (including in relation to the nomination of any Beneficiaries) without obligation to provide any reason for its decision.
3.7 Kliq shall notify each individual as to whether his application has been accepted or rejected.

(a) The Customer shall use the Service solely for his personal remittance needs and in compliance with Applicable Laws, and may only register for and use the Service for the transfer of his own funds;

(b) The Customer shall not use the Service on behalf of a third party or for any purpose or to any Beneficiary that is prohibited by any Applicable Laws;

(c) The Customer shall provide Kliq with complete and accurate information relating to the Customer himself and the Beneficiaries at the time of each Transaction Request, which includes providing Kliq with valid documentation issued by a competent governmental authority in order to verify the Customer’s identity;

(d) The Customer shall pass all checks and verifications that Kliq may conduct from time to time, including such checks for AML/CFT and fraud;

(e) Each Beneficiary shall pass all checks and verifications that Kliq may conduct from time to time, including such checks for AML/CFT and fraud;

(f) Each Beneficiary shall comply will any terms and conditions imposed by any relevant third party (including banking service providers or cash out agents) for the use of such relevant third party service;

(g) The Customer’s full payment of all applicable fees; and

(h) The fulfilment of any other requirements as Kliq may notify the Customer from time to time in relation to the Transaction Request.
4.9 Without prejudice to any other rights of Kliq under these Terms, in the event any identification document submitted by the Customer is expired or invalid Kliq shall be entitled to suspend the Service. Further, Kliq may at its absolute discretion refuse to perform and/or complete any Transaction (including where the Customer fails to fulfil any of the conditions set out in this Clause 4), in which case Kliq shall refund the Remittance Amount which has been paid to Kliq (or part thereof) in respect of such Transaction to the Customer in accordance with these Terms.
4.10 All Transactions shall be subject to the following aggregate limits for Remittance Amounts:

(a) daily maximum limit of Singapore Dollars Twenty Five Thousand (S$25,000); and

(b) monthly maximum limit of Singapore Dollars One Hundred Thousand (S$100,000). Kliq may, at its absolute discretion, revise or impose additional limits on Transactions whether on a per transaction basis or an aggregated basis, without prior notice to the Customer.

4.11 Once the Transaction Request is accepted and processed, the Remittance Amount will be remitted, and the Transaction is completed. The Beneficiary will be deemed to have received the funds once the Converted Amount is remitted into the Beneficiary’s bank account or collected in person by the Beneficiary, as the case may be.

4.12 If the Converted Amount cannot be remitted to the Beneficiary’s bank account for whatever reason whatsoever and howsoever arising or fails to be collected in person by the Beneficiary within seven (7) Business Days of the date that Kliq receives the Remittance Amount from the Customer, the Transaction Request shall be deemed to have failed. Kliq will notify the Customer of such failure by the next Business Day, for the Customer’s further instructions.

4.13 The Customer may not amend, cancel or withdraw a submitted Transaction Request unless Kliq in its absolute discretion otherwise agrees in writing. For the avoidance of doubt, Kliq shall not be liable to the Customer if Kliq does not or is unable to stop or prevent the Transaction from going ahead.

4.14 The Customer agrees that he bears sole responsibility for the use and safeguard of his and his Beneficiaries’ personal information (including Customer’s username, password and/or pin number) when using the Service through the Website and via the eRemit Singapore Mobile App. The Customer further agrees that he is responsible for all Transaction Requests and shall exercise caution when transferring any Remittance Amount to unfamiliar Beneficiaries and be alert to the possibility of fraud.

4.15 In the absence of manifest error, the Customer accepts that Kliq’s record of Transactions shall be final and conclusive and binding for all purposes.

4.16 Subject to Applicable Laws, Kliq may record any telephone conversation with the Customer and the Customer agrees that such recordings shall be admissible in evidence in any proceedings and shall be binding on the Customer.

(a) in the case of a completed Transaction, where the Customer had provided Kliq with erroneous Beneficiary information, provided that the Customer reported such error by contacting our Customer Service at supportdesk@uat.eremit.sg (9am – 6pm daily). Any messages received after 6pm will be responded at 9am the next day and further provided that the Converted Amount has not been credited to the wrong Beneficiary’s bank account;

(b) Where Kliq has refused to perform and/or complete any Transaction pursuant to Clause 4.9; or

(c) Where Kliq at its sole and absolute discretion agrees to refund the Remittance Amount (or part thereof).

5.2 Where a Customer’s request for a refund of the Remittance Amount (or any part thereof) is approved, Kliq will notify and refund the Customer within twenty-one (21) calendar days. Refunds shall only be made to the Customer via direct payment into the Customer’s nominated bank account.

5.3 Refunds will only be made for the Converted Amount in Singapore Dollars at such exchange rate as may be determined by Kliq at its sole and absolute discretion, less any fees or charges, including any administrative fees charged by Kliq for any refund, and any fees or charges which may be imposed by any relevant third party service provider (including any banks).

(a) Unless there are sufficient funds transferred to Kliq in advance for the amount requested to be remitted by the Customer (including all applicable fees), Kliq shall not be obliged to act on the Customer’s pay-out instructions;

(b) Kliq may restrict, decline or refuse to carry out any Transaction Request at any time at Kliq’s sole discretion without assigning any reasons thereto;

(c) Although the Service may be accessible outside of Singapore via the Website, Kliq accepts no liabilities whatsoever arising from any non-compliance with the laws of any country other than Singapore for the use of the Service;

(d) The Customer must specify the source of the Remittance Amount and the purpose of the Transaction per Transaction Request;

(e) Kliq may fully rely on all information provided by the Customer including registration information and information for each Transaction Request. Any erroneous information provided by the Customer including misidentification of Beneficiary, incorrect names and/or account numbers shall be at the Customer’s sole responsibility and risk. The Customer undertakes to hold Kliq harmless from any and all losses arising from any act or omission of Kliq in reliance upon any such erroneous information;

(f) In the event the Customer cancels a Transaction/Transaction Request, or the Transaction is unsuccessful due to erroneous particulars provided by the Customer, the Customer shall remain liable for all applicable fees unless otherwise stated by Kliq;

(g) The Customer acknowledges that the timeframe for remittance pay-out to the Beneficiary shall be as stipulated by Kliq;

(h) For over the counter pay-outs to Beneficiary, Kliq’s and its partners’ pay-out time frame is provided on a best effort basis where such pay-out to the Beneficiary shall be made in accordance with the Customer’s instructions as soon as reasonably practicable during business hours at the Beneficiary’s designated pay-out location;

(i) The use of third-party services (including banking services and/or cash out agents services) is subject to terms and conditions imposed by the third parties. The Customer shall ascertain and update himself/herself of such applicable terms and conditions. Kliq shall neither be liable nor responsible for any losses incurred by the Customer or any other person arising from the Customer’s use of the Service; and

(j) The Service are provided subject to MAS’ statement that MAS does not guarantee the remittance of the funds by Kliq and the Customer takes the risk of any losses that may be suffered from the use of the Service. A copy of this notice to Customers can be viewed on Website.

(k) All customer monies in relation to the eRemit Singapore Service will be deposited into a trust account via a safeguarding arrangement in a major payment institution and . all customer monies will not be commingled with any monies received by Kliq from its other businesses or services (if any).

6.2 In using the Service, the Customer shall not:
(a) Use the Service in any way which will deprive other Customers of their right to use the Service;

(b) Use the Website for unlawful purposes in any jurisdiction or in breach of these Terms;

(c) Use the Service for any unlawful or illegal activity or in breach of any Applicable Laws;

(d) Allow access, re-sell or re-provide the Service to any other person;

(e) Modify, copy, distribute, reproduce, transmit, display, perform, publish, upload, post, license, create derivative works from, transfer or sell any information, designs, logos, trademarks, software or services obtained from the Website;

(f) Post or transmit any unlawful, fraudulent, libellous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, or otherwise objectionable information or statement of any kind without limitation, any information or statement constituting or encouraging conduct that would be or be tantamount to a criminal offence, give rise to civil liability and/or violate any Applicable Laws;

(g) Post, transmit or disseminate any advertising material touting or selling or offering to sell any product or service, or messages that amount to advertising material, junk mail, spam or other types of unsolicited messages;

(h) Post, transmit or disseminate viruses, worms, Trojan horses or other harmful, disruptive or destructive files;

(i) Post, publish, transmit, reproduce, distribute, or in any way exploit any information, software or other material obtained from or through the Website for commercial purposes;

(j) Attempt to decompile or reverse engineer any software available on the Website; and/or

(k) Attempt to hack into the Website or otherwise attempt to subvert any firewall or other security measure of the Website.

(a) The Customer has, or Kliq has reason to believe that the Customer has, committed a breach of any of the provisions of these Terms;

(b) Kliq has reason to believe that the Customer has misused or is likely to misuse the Service (including any unauthorised use or for any criminal or illegal purpose);

(c) Kliq has reason to believe that the Customer is using the Service or making any Transaction Request, on behalf of another party;

(d) Kliq is required to do so in order to comply with Applicable Laws;

(e) There is a material security threat to the Service (including risk of money laundering or terrorist financing);

(f) In the opinion of Kliq, the Customer has perpetrated a fraud on Kliq or has conducted itself in a manner which constitutes an attempt to perpetrate a fraud on Kliq;

(g) The Customer causes or is likely to cause any failure, interruption, disruption or congestion of or in any network, system or services (whether of Kliq or any other entity) relating to the Service;

(h) The Customer is unable to pay his debts as they fall due or becomes bankrupt, or any action is taken by any creditor of the Customer to recover or enforce any security over any assets of the Customer or to enforce any judgment against the Customer;

(i) The Customer dies, or becomes mentally incapacitated or suffers some other form of legal disability;

(j) Any representation or warranty made by the Customer to Kliq is incorrect or misleading; or

(k) The Customer’s Singapore-registered mobile number is terminated and resulting in Kliq not able to contact the Customer.

9.3 The Customer shall not be entitled to any payment, compensation, or damages from Kliq in relation to the termination of the provision of the Service to the Customer, except for refunds in accordance with these Terms. The termination of the provision of the Service to the Customer shall not release the Customer from any accrued liability at the time of termination.
9.4 Kliq’s right to suspend or terminate the Service shall be without prejudice to any other rights or remedies which Kliq may have under these General Terms. 9.5 Upon termination of the provision of the Service (whether in whole or in respect of any Territory or in respect of the Customer):

(a) The Customer shall immediately cease to have any right or benefit as a Customer under these Terms and save for provisions which expressly provide otherwise, neither Kliq nor the Customer shall have any further obligations to the other;

(b) Any Transactions that have not been completed will be terminated and the amounts remitted will be refunded to the Customer in accordance with these Terms; and

(c) All sums due or accruing due or payable to Kliq under these Terms up to and including the date of termination shall become immediately due and payable to Kliq.

(a) The provision and use of the Service (including any unauthorised use and/or access);

(b) The performance of any Transaction (including any fraudulent Transactions);

(c) Any failure, delay, interruption to or disruption of the Service or in the transmission or receipt of any data through the performance or the processing of the Transaction or the remittance of the Remittance Amount or the receipt of the Converted Amount by the Beneficiary, howsoever caused or arising;

(d) Any event which Kliq is not able to control or avoid by the use of reasonable diligence, including the failure, shortage or interruption of electrical power or supply, civil commotion, strikes, trade disputes, labour disputes, plaque, epidemic or quarantine, fire, flood, drought or acts of any government or sovereign, change in any Applicable Laws, acts of war or terrorism, the defaults, actions or omissions of any third parties (including third party service providers), extreme weather conditions and acts of God;

(e) The disclosure by Kliq of any Customer Information where such disclosure is made in compliance with these Terms or the Kliq’s Data[2] Protection Policy;

(f) The use in any manner and/or for any purpose whatsoever by any person at any time whatsoever and from time to time of any Customer Information or information transmitted through the use of the Service;

(g) Service and/or relating to the use of the Service;

(h) Any error, omission or inaccuracy in any information provided by Kliq whether to the Customer or any person and whether in any publication relating to the Service or as part of or in connection with the Service; and/or

(i) The suspension, termination, or discontinuance of the Service.

11.5 If for any reason Kliq is unable to rely on the limitations of liability set out above, or is found to be liable to the Customer under other grounds (if any) and Kliq’s liability is proven by the Customer, Kliq’s maximum liability to the Customer whether in contract, tort (including negligence or breach of statutory duty) or otherwise howsoever under any cause of action for any and all losses, damages or liabilities caused or arising from or in relation to Kliq’s provision or operation of the Service or relating to these Terms shall be limited to Singapore Dollars Five Thousand only (S$5000) or the aggregate of the fees paid by the Customer to Kliq for the Service during the last three (3) months immediately preceding the time of the claim by the Customer, whichever is lower. Kliq’s maximum liability to the Customer in every one year period notwithstanding any number of events shall be limited to Singapore Dollars Five Thousand only (S$5,000).

(a) To verify Customer’s identity and to process Customer’s application for Service;

(b) To perform AML/CFT checks or otherwise to facilitate the provision of the Service;

(c) To carry out Customer’s instructions, perform the Transaction or respond to any enquiries by Customer;

(d) To investigate fraud, misconduct, unlawful action or omission, whether relating to the Customer’s Application or a Transaction Request or any claim by the Customer relating to his account with Kliq, or to prevent the Customer or Kliq from harm, illegal or unlawful activities;

(e) To meet any legal, regulatory or compliance requirements which Kliq may be subject to under Applicable Laws; and

(f) To provide Customer with information or answer any Customer enquiries, to maintain safety and security, to offer and administer loyalty benefits, reward benefits, promotional benefits, contests and lucky draws, to carry out market research and customer surveys, and other purposes as further described in the Kliq’s Data Protection Policy (collectively, the “Purposes”).

13.2 The Customer understands that in order for Kliq to provide the Service, Customer Information (including any Beneficiary information) must be disclosed and/or transferred out of Singapore to the relevant third party service providers, and the Customer consents to such disclosure and/or transfer. In such situations, the storage, treatment and transfer of such Customer Information may be subject to laws and regulations that are different from local laws. In making a Transaction Request, the Customer authorises such disclosure and/or transfer of Customer Information out of Singapore to the relevant third-party service providers for such Customer Information to be processed for the Purposes.

13.3 The Customer warrants and represents to Kliq that where Customer provides personal data of another person to Kliq, the Customer has informed such person and Customer is authorised by such person to disclose such personal data to Kliq for Kliq’s collection, use and disclosure of their personal data as described under General Terms and in Kliq’s Data Protection Policy.

13.4 Kliq will retain all Customer Information disclosed by the Customer for the purposes of the Service and in compliance with Applicable Laws.

13.5 The Customer may withdraw the consent referred to in this Clause by submitting a formal request in writing (or in such form as may be specified by Kliq from time to time) in accordance with the provisions of the Kliq’s Data Protection Policy upon which the Service in relation to the relevant Transaction and the relevant Beneficiary shall be terminated. The Customer may withdraw consent to receiving marketing communications by opting out through contacting our Customer Service at supportdesk@uat.eremit.sg (9am – 6pm daily). Any messages received after 6pm will be responded to at 9am the next day.

(a) If delivered by hand, on the date and at the time it was delivered to (or left at) the Customer’s address;

(b) If transmitted by way of email, electronic (mobile) messaging immediately at the time of transmission by Kliq;

(c) If sent by post within Singapore, one (1) calendar day after it was posted, and if sent by post outside of Singapore, seven (7) calendar days after it was posted by Kliq.

18.2 Any communication by the Customer to Kliq shall be in writing in the English language unless Kliq specifies otherwise. Kliq reserves the right at its absolute discretion to regard any communication from the Customer as invalid or ineffective if Kliq has not confirmed its receipt of such communication to the Customer.