Terms and Conditions


IMPORTANT NOTICE

  1. Please read these terms and conditions ("Terms and Conditions") before using the online prepaid wallet account known as Whalet ("Whalet" or "Account") and the prepaid card known as Whalet Card ("Whalet Card" or "Card"). Please contact our Customer Service or email us at support@whalet.com.my for any clarification of the same.
  2. The issuance of the Whalet and Whalet Card by DIV Services Sdn Bhd ("DIV") to the users of Whalet and Whalet Card ("User") shall be subject to the Terms and Conditions. The Terms and Conditions, as well as any other agreements, disclosures, rules, or notices relating to the Whalet and Whalet Card may be posted on the Whalet website (www.whalet.com.my) or made available to the User at the time of registration or at the time of usage, and may be amended from time to time.
  3. When the User first uses Whalet and the Whalet Card, the User are deemed to have read, accepted and agreed to be bound by the Terms and Conditions.

TERMS AND CONDITIONS

  1. DEFINITION

    In these Terms and Conditions, unless there is something in the subject or context inconsistent with such expression or unless it is otherwise expressly provided:

    "Account" means the online prepaid wallet account known as "Whalet";
    "Business Days" means Monday to Friday during the operating hours from 8.30am to 5.30pm and excluding Malaysian federal public holidays;
    "Card" means the smart card utilising contactless technology and known as "Whalet Card";
    "Customer Service" means the channels made available during the Business Days for the User to contact DIV for any issues relating to the Services:
    Telephone : +603 7720 1800
    E-mail : support@whalet.com.my
    Website : www.whalet.com.my;
    "DIV" means DIV Services Sdn Bhd (Company No. 682942-A), a company incorporated in Malaysia and having its registered address at
    Dialog Tower,
    No.15, Jalan PJU 7/5,
    Mutiara Damansara, Petaling Jaya,
    47810, Selangor Darul Ehsan,
    Malaysia;
    "Fund Transfer" means the service which enables you to transfer electronic money from your Account to another user’s Account or to receive electronic money into your Account from another user’s Account;
    "SST" means the sales and services tax, under the Sales Tax Act 2018 and Service Tax Act 2018;
    "Issuer" means DIV;
    "KYC" means Know Your Customer process as determined by DIV from time to time;
    "Mobile Application" means the software application that run on smartphones and other mobile devices that allow the user to manage the Whalet Account and services on the go;
    "Mobile Device" means a portable computing device such as a smartphone or tablet;
    "Participating Merchant" means any person, firm or corporation which accept or cause its outlets to accept payments through the use of the Account and/or the Card for sale of goods or the provision of services;
    "PIN Number" means the six (6) digit personal identification number used to secure access to the Account;
    "Point-of-sale Terminal" means a point of transaction terminal capable of reading the chip on the Card;
    "Purchase Price" means the sum, if any, specified by DIV from time to time as a condition for the purchase of the Card, and is not refundable;
    "Purse Value" means the amount in the Account that is available for Transactions, subject to the Wallet Limit herein imposed;
    "Related Corporations" means the related corporations as defined under the Companies Act, 2016 and include their respective directors and employees;
    "Reload" means the adding monetary value to the Purse Value of an Account whether conducted via the Whalet website (www.whalet.com.my), at an authorised Participating Merchant, a Point-of-Sale Terminal or a Self-Service Kiosk;
    "Sales Receipt" means the relevant payment slips, receipts, forms or papers supplied for the purpose of recording, confirming and evidencing transactions carried out by the User through the use of Account or the Card;
    "Self-Service Kiosk" means a kiosk capable of reading the chip on the Card which may be provided by DIV at select locations from time to time;
    "Service(s)" means the cashless transactions using your Whalet Account, Whalet Card and Mobile Application, and any other supplemental or additional services which enable you to perform the Transactions.
    "Service Fee" means any charges imposed by DIV in relation to the use of the Account and the Card;
    "Transaction" means the transactions performed by you via the Service including: -
    1. Payment ( i.e. in-store, online or in-app purchases );
    2. Reload
    3. Fund Transfer ( i.e. send money, request money, split bill );
    4. Send e-Gift;
    5. Transfer to user’s own bank account (under the same user’s ID); and
    6. or any other service as may be introduced by DIV from time to time;
    "User(s)" means the person to whom the Account and the Card is issued and registered as an authorised user to use the Account and the Card;
    "Wallet Limit" means the maximum amount of money that can be stored at any one time as approved by Bank Negara Malaysia.

  2. DISCLAIMER

    The Services are provided on "as is" and "as available" basis. DIV shall not be liable for any loss or damages arising out of the provision of the Services, including but not limited to the availability, accessibility or uninterrupted use of the Service unless the same is caused by the wilful breach or gross negligence of DIV, DIV makes no express or implied representations or warranties of the Services.


  3. ABOUT WHALET

    Whalet is an online prepaid account service provided by DIV. The User must first load cash into the Account before it can be used to make Transactions. There is no credit line associated with the Account and it does not bear any interest. The Account is not transferable. The User will be responsible for all Transactions made on the Account, whether the said Transaction is made by the User or any other person. Any other person using a User's Account will be deemed to be duly authorised to do so by the User.


  4. ABOUT THE WHALET CARD

    The Whalet Card is a contactless smartcard issued by DIV to a User holding a Whalet Account. A Whalet Card can be used at any Participating Merchants for any Transactions. Transactions made using the Whalet Card will directly debit or credit the Whalet Account accordingly. No monetary value is stored directly on the Whalet Card. There is no credit line associated with the Whalet Card and it does not bear any interest. The Whalet Card is not transferable. The User will be responsible for all Transactions made on the Whalet Card, whether the said Transaction is made by the User or any other person. Any other person using a User's Whalet Card will be deemed to be duly authorised to do so by the User.


  5. REGISTRATION FOR A WHALET ACCOUNT

    5.1

    To register for a Whalet Account, a user will need to go through a registration process via the Whalet website (www.whalet.com.my) or Mobile Application. During the Account creation process, the following minimal information will be required:

    1. A valid E-mail address
    2. A valid Mobile Phone Number

    Upon verification of the email address and mobile phone number, a new Whalet Account will be created for the User. The User will then be able to start using the Whalet Account using the e-mail login and password submitted during the account creation process.


    5.2

    Users are encouraged to update their profile by providing the following additional information:

    1. Full Name (as per National Identity Card or Passport);
    2. National Identity Card Number or Passport Number;
    3. Gender;
    4. Date of Birth;
    5. Nationality;
    6. Home or Mailing Address. (collectively "Personal Information")

    Take note that the Personal Information will be necessary for the purpose of any refund process.


    5.3

    User may have the option to use the Services via a Mobile Application on the Android and iOS platforms as published and updated by DIV from time to time (the “Whalet App”). The Whalet App may include features such as access to making online payments, usage of QR codes, push notifications, and fingerprint identification. These features shall be informed to the User as and when the Whalet App is published and updated from time to time.


  6. REGISTRATION FOR WHALET CARD(S)

    6.1

    Whalet Cards may be purchased from certain Participating Merchants by paying the Purchase Price. In order to use a Whalet Card for a transaction, a User will first need to register the Whalet Card online and link the Whalet Card to an existing Whalet Account. A User may register a maximum of five (5) Whalet Cards to a single Whalet Account at any one time.


    6.2

    If a Card purchased by the User is faulty or damaged, the User must bring the Card to the designated Participating Merchant within thirty (30) days from the date of purchase and complete a complaint form in order to obtain a replacement Card. The replacement Card will be issued within fifteen (15) working days from the date on the complaint form. Any complaints made after the thirty (30) days prescribed above shall not be entertained.


  7. WALLET & TRANSACTION LIMITS

    7.1

    The wallet limit for each Whalet account to which Whalet card(s) are linked is RM200 at any given time.

    7.2

    Notwithstanding the above, the Whalet Account is also subject to a certain maximum transaction limit. This means that the utilization of funds from a Whalet Account, whether via online transactions or transactions made using the Whalet Cards, shall be subject to the following transaction limits:-

    No Description Limits(RM)
    1 Single Transaction Limit 200.00
    2 Maximum Daily Spending Limit* 200.00
    3 Maximum Annual Spending Limit 50,000.00 **

    * Take note that the User have the option to set a lesser Maximum Daily Spending Limit via the Whalet website at www.whalet.com.my

    ** This refers to the permissible cumulative amount of purchase transactions and fund transfer (excluding transfer of funds to own bank account and earmarked gift amount) that a customer can make within a calendar year.

  8. USER'S UNDERTAKING AND OBLIGATIONS

    8.1

    The User shall provide accurate and complete information to DIV of any personal information required for the purposes of the creation, registration and use of Whalet Account. The User shall inform DIV immediately of any changes to the particulars of the said personal information.


    8.2

    The User shall be responsible to keep login, password, personal identification number "PIN" and any other credentials confidential at all times and shall take all steps to prevent unauthorized use of the same.


    8.3

    The User shall be responsible for the safekeeping and usage of the Card. The User is required to use the Card in accordance with the procedures, instructions and guidelines set and prescribed by DIV from time to time. The User shall not damage, manipulate, copy, reverse-engineer, modify or tamper with the Card in any way.


    8.4

    The User shall take precautions to prevent the loss, theft, or any unauthorized use of the Account and Card. Upon discovery of any loss, theft or unauthorized use of the Account or Card thereof, the User shall immediately notify DIV via the reporting procedures available on the Whalet website (www.whalet.com.my) or by contacting DIV's Customer Service.


    8.5

    The User shall be responsible for all Transactions done via the Account or Card (including all costs associated with its unauthorized use) prior to actual invalidation or deactivation of the same by DIV upon the report done by the User. The User shall be liable for all loss and damage incurred by DIV in relation to unauthorized use.


    8.6

    The User shall be responsible to ensure that the Mobile Application used to access the Services is the official Whalet App published by DIV. The User shall not use login credentials on any third party mobile application or websites. DIV shall not be responsible for any loss or damages, including but not limited to depletion of account balances, breach of privacy, exposure of private information or identity theft, due to the User’s usage of any third party mobile applications or websites.


    8.7

    The User shall be responsible to ensure that the User’s Mobile Device meets the minimum requirements of the Whalet App prior to downloading the Whalet App. The User shall also be responsible to ensure that the Whalet App on the Mobile Device is latest version of the Whalet App. DIV shall not be responsible for any failure of access to Services or any loss or damages due to the User’s Mobile Device not meeting the minimum requirements for the Whalet App or for not updating the Whalet App to the latest version.


    8.8

    The User shall not attempt to access the Whalet App using a Mobile Device that has been jailbroken. DIV shall not be responsible for any failure of access to Services or any loss or damages due to User using a Mobile Device that has been jailbroken.


  9. SCOPE OF THE SERVICES

    9.1

    Subject to the transaction limit described in the Wallet & Transaction Limits Clause, the User may utilize the Account and the Card for the Services at any of the Participating Merchants, via the Whalet website or Whalet Mobile Application, subject to the available Purse Value of the User's Account.


    9.2

    Subject to the wallet limit described in the Wallet & Transaction Limits Clause, the User at any time may perform a Reload transaction to add to the Purse Value of the User's Account either via the Whalet website (www.whalet.com.my) or Mobile Application, at an authorised Participating Merchant, a Point-of-Sale Terminal or a Self-Service Kiosk.


    9.3

    The Services are provided on "as is" and "as available" basis. DIV shall not be liable for any defect or deficiency in any of goods or services provided by the Participating Merchants. Any claim or dispute regarding the delivery, quality, safety, fitness for purpose or any issue relating to defects or deficiency of any goods or services purchased by the User utilizing the Account or the Card must be directed to the Participating Merchant at which the Transaction was made.


    9.4

    DIV shall not be liable for any act or omission of the Participating Merchants, including their refusal to accept the Card.


  10. FEES & CHARGES

    10.1

    The User shall be responsible for the prevailing Service Fee for the Service(s) as well as the transaction charges for Transaction(s) made (if any). The current applicable fees and charges are always made available at www.whalet.com.my. The fees and charges may change from time to time and DIV shall inform the User by giving notice no less than twenty one (21) days prior to the effective date of the said changes to the fees and charges.


    10.2

    The User shall be responsible for all related fees or charges imposed by the Participating Merchants or banks, if any is imposed when using their services to perform any Reload transactions.


    10.3

    If any provision of Service(s) made under these Terms and Conditions is a taxable supply to which the applicable tax (including but not limited to the Sales and Service Tax ("SST") would apply ("Applicable Tax"), then DIV reserves the right to levy the Applicable Tax at the prescribed rate and the User agree to pay the amount of the Applicable Tax.


  11. DISPUTED TRANSACTION

    11.1

    The User is responsible for all Transactions made using the User's Account or Card at all times. If the User discovers any error or discrepancy in the User's Account, the User must contact DIV within fourteen (14) days from the date of the disputed Transaction(s), failing which the User shall be deemed to have accepted the accuracy of the Transaction(s).


    11.2

    In the event it is revealed in the course of investigation that the disputed Transaction(s) was indeed made in error, DIV shall refund the disputed sum in the manner as stated in the Refund Policy of these Terms and Conditions.


    11.3

    DIV shall endeavour to conclude investigations on a disputed Transaction within 30 days of the date DIV receives a request from the User.


    11.4

    The User shall provide all the information required for the purpose of investigating the disputed Transaction. The User hereby agrees and consents to the use any information relating to User, the particulars of the Transaction(s) or any account relating to the Transaction(s) for the purpose of investigating the disputed Transaction.


    11.5

    The User hereby agrees that the records of the Transaction(s) generated by DIV shall be the conclusive reference relating to the disputed Transaction.


  12. DORMANT ACCOUNT & TERMINATION BY USER

    12.1

    If no Transaction is made on an Account for a period of six (6) consecutive months, DIV shall deactivate the Account, rendering it as a "Dormant Account" and a fee shall be imposed as below:

    1. A fee of RM2.00 per month will be imposed on the Dormant Account's Purse Value for each subsequent month ("Dormant Fee");
    2. The Dormant Fee will continue to be charged each month until the Dormant Account's Purse Value is depleted or up to seven (7) years whichever comes first;
    3. Once the Dormant Account's Purse Value is fully exhausted, the Dormant Account will be terminated by DIV, rendering it as a "Terminated Account".
    4. At any time prior to termination of the Dormant Account, the User may contact the DIV Customer Service to either:
      1. Reactivate the Dormant Account to continue utilizing the Services; or
      2. Subject always to the Refund Policy contained in these Terms and Conditions, request for a refund of the available balances remaining in the Dormant Account's Purse Value (after deductions of the Dormant Fees stipulated above) and thereby terminating the said Account.


    12.2

    Subject always to the Refund Policy contained in these Terms and Conditions, the User may at any time discontinue the use of the Service(s) by submitting a notice of termination and a request for a refund of the balance Purse Value in the Account to the DIV Customer Service.


    12.3

    Once an Account is terminated, the User will have to sign up for a new Account if the User wishes to utilize the Services again.


  13. REFUND POLICY

    13.1

    Subject to the completeness of information provided by the User, upon receipt of a request for termination or a refund for a disputed transaction, DIV shall refund the balance of the Purse Value Account or the disputed sum as the case may be, to a bank account of the User's choice within thirty (30) days of receipt of the request.


    13.2

    DIV reserves the right to not entertain any requests for refunds if the information given by the User is incomplete. At a minimum, the information required for DIV to process a request for a refund would include:

    1. Personal Information as defined in Clause 5;
    2. A copy of the User's national identity card or passport.

    Notwithstanding the above, DIV reserves the right to request from the User any additional information or documents that in DIV's reasonable opinion is necessary in order to process the refund request.


    13.3

    Take note that all refund payments to be done by DIV shall be carried out solely via electronic transfer into a bank account registered under the User's name. DIV shall not entertain any request for a refund payment to be made by cash or into any third party's or third person's bank account. It is the User's responsibility to ensure that the name registered on the User's Whalet Account matches with the name registered as the holder of the bank account provided by the User for the purpose of refund.


  14. USER'S DEFAULT & TERMINATION BY DIV

    14.1

    DIV reserves the right to suspend, decline any Transaction, restrict the usage of, or terminate the Account and/or the Card at its sole and absolute discretion at any given time without incurring any liability in whatsoever form and manner in the event of occurrence of the following events:

    1. If the User breaches any of Terms and Conditions contained herein;
    2. In the event of failure to comply with the Customer Due Diligence (CDD) requirements;
    3. If it is in DIV's opinion that the User does anything which may cause damage or interruption to the Service(s); or
    4. If it is in DIV's opinion that the Service(s) are being used for a fraudulent, illegal or unlawful purpose including but not limited to breaches of any legislation, regulation or guidelines including but not limited to those under the Financial Services Act 2013 and the Anti-Money Laundering and Anti-Terrorism Financing Act 2001 (AMLA).

    14.2

    DIV reserves the right to suspend, decline any Transaction, restrict the usage of or terminate the Account and/or the Card at its sole and absolute discretion at any given time without having to give notice or assign any reason whatsoever to the User in accordance with applicable legislation, regulation and guidelines.


    14.3

    Notwithstanding the above, DIV reserves the right to request from the User any additional information or documents that in DIV's reasonable opinion is necessary in order to process the refund request.


  15. UNCLAIMED BALANCES

    Any unutilised Purse Value balances remaining in Accounts that have been terminated shall be subject to provisions of the Unclaimed Moneys Act 1965.


  16. STATUS OF PARTICIPATING MERCHANTS

    The User hereby acknowledges and understands that nothing contained in these Terms and Conditions purports to imply or create a partnership, joint venture, employer-and-employee, principal-and-agent, or any similar relationship between DIV and the Participating Merchants. Accordingly, the User acknowledges and understands that Participating Merchants have no authority to act as agent for or on behalf of DIV or represent, enter into any agreement, or bind DIV in any manner whatsoever.


  17. LIABILITY & INDEMNITY

    17.1

    The User hereby agrees to indemnify DIV, its officers, employees, agents and/or its Related Corporations against all claims, losses, liabilities, proceedings, demands, costs and expenses (including legal fees) which may be brought against DIV, its officers, employees, agents and/or its Related Corporations arising out of the provisions of the Services to the User due to the User's negligence.


    17.2

    DIV, its officers, employees, agents and/or its Related Corporations shall not be liable to the User or any third party authorized by or claiming through the User for any losses, damages or injuries of any nature, whether direct, indirect, special or consequential, or for loss of business, revenue or profits whether suffered by any person or upon any property arising from or occasioned by:-

    1. any act, omission, error, default or delay by any Participating Merchants in relation to the Service(s) howsoever caused;
    2. any retention of the Card and/or refusal by any Participating Merchants to honor the Card;
    3. any defect or deficiency in the goods or services provided by the Participating Merchants;
    4. any statement, representation or communication made by any Participating Merchants whether relating to the specific goods or services provided by the Participating Merchants or the Service(s) in general;
    5. any interruption, delay, malfunction, defect, or any inability to utilize the Service(s) as a result of including but not limited to software issues, equipment failure or congestion in the DIV’s network unless the same was caused by DIV’s wilful breach or gross negligence;
    6. any limitation or restriction imposed by DIV on the use of the Account or Card;
    7. any withdrawal or ceasing of any benefits or privileges conferred to the User under the Service(s);
    8. any loss or damage incurred by the User as a result of any suspension, cancellation or termination of the Service(s) by DIV or refusal of DIV to issue a new Account or Card to the User in accordance with the Clause 14.1 above;
    9. the circulation of the particulars of suspended or terminated Accounts or Cards by DIV to Participating Merchants;
    10. any loss, distortion or corruption of data arising from the use of the Service(s) or any unlawful or unauthorized access to the User's Account or Card data;
    11. any claim for libel, slander, or infringement of any intellectual property rights arising from the transmission and receipt of information or data in connection with the Service(s); or
    12. any claims arising out of any act or omission on the User's part in relation to the Service(s);
    13. insolvency or bankruptcy of DIV or any part thereof.

    17.3

    Subject to and without prejudice to the foregoing, in the event DIV, its officers, employees, agents and/or its Related Corporations is liable to any party, whether such liability arises under contract, tort or otherwise and for whatsoever reason however arising, the liability of DIV, its officers, employees, agents and/or its Related Corporations' liability shall not under any circumstances whatsoever exceed the remaining Account's Purse Value balance at the date on which the claim arises or the sum of Ringgit Malaysia Two Hundred (RM200.00) only, whichever is the lower.


  18. DISCLOSURE OF INFORMATION & PERSONAL DATA PROTECTION

    18.1

    DIV is committed to protecting the User's privacy in accordance with the Malaysian Personal Data Protection Act 2010 ("PDPA"). DIV shall maintain all the information collected by DIV from the User ("Personal Data") as private and confidential. Unless expressly consented to by the User, DIV shall not disclose the User's Personal Data to any third parties for any purpose other than the disclosure necessary for the purpose of providing Service(s) to the User. Notwithstanding this, DIV may use and/or disclose the User's Personal Data:-

    1. to any regulatory bodies or other bodies of authorities in compliance with requirements under law or towards the detection or prevention of crime and/or fraud;
    2. in compliance with and pursuant to any court order; or
    3. in order to comply with any legal obligations to which DIV is subject to.

    18.2

    The User acknowledges that the User is aware that the User's Personal Data will be handled in accordance to DIV's Privacy Notice as posted on the Whalet website at www.whalet.com.my or Mobile Application and the User hereby gives consent to DIV to act according to the said Privacy Notice. DIV reserves the right to make any changes to the DIV Privacy Notice at any time, subject always to the laws and regulations under the PDPA. The User is advised to read and check DIV's Privacy Notice on a regular basis.


  19. CHANGE IN TERMS & CONDITIONS

    19.1

    DIV reserves the right at its absolute discretion, from time to time, to vary, add or otherwise amend these Terms and Conditions or any part thereof including without limitation the scope of the Service(s). DIV shall notify the User on the variation, addition or otherwise amendment to the Terms and Conditions in one or more ways as described in the NOTICE section of these Terms and Conditions, no less than twenty one (21) days prior to the effective date of the said variation, addition or amendment to the Terms and Conditions.


    19.2

    The User's continued use of the Service(s) after the effective date of any variation, addition or amendments to the Terms and Conditions shall constitute an absolute and unconditional acceptance of such variations, additions or amendments by the User and the User will be bound by the same. If the User do not accept such variation, addition or amendment, the User may terminate the Service(s). DIV shall not be liable for any loss or inconvenience to the User resulting from any variation, addition or amendments to the Terms and Conditions.


  20. NOTICE

    20.1

    All notices, requests and any other communications to be given by DIV to the User under these Terms and Conditions may be done by either one of the following ways:-

    1. ordinary mail posted to address of the User as registered with DIV;
    2. display of notices at the counters of DIV and/or any of the Participating Merchants;
    3. published on the Whalet website (www.whalet.com.my); or
    4. published in a national daily newspapers in the main languages, circulated generally throughout Malaysia;
    5. Mobile In-App notifications;

    and such notice, requests or communication shall be deemed effective upon the posting or publication of the same.


    20.2

    All notices, requests and any other communications to be given by the User to DIV under these Terms and Conditions must be done by either one of the following ways:-

    DIV Customer Service Department

    Address: DIV Services Sdn. Bhd.
    Level 3, Dialog Tower
    No. 15, Jalan PJU 7/5, Mutiara Damansara
    47810 Selangor Darul Ehsan
    Telephone: 03 7720 1800
    E-mail: support@whalet.com.my

    20.3

    If there are any complaints or inquiries and there is no feedback given by DIV, the User may contact Bank Negara LINK and TELELINK via:

    Bank Negara Malaysia - Laman Informasi Nasihat dan Khidmat (LINK)

    Address: Ground Floor, D Block,
    Jalan Dato' Onn,
    50480 Kuala Lumpur

    Contact Centre (BNMTELELINK)

    Telephone: 1 300 88 5465 or +603 2174 1717 (From Outside of Malaysia)
    Fax: +603 2174 1515
    Email: bnmtelelink@bnm.gov.my

  21. OTHER PROVISIONS

    21.1

    GOVERNING LAW & JURISDICTION

    These Terms and Conditions shall be governed by and interpreted in accordance with the Laws of Malaysia. The User hereby agree to submit to the exclusive jurisdiction of the Malaysian courts and waive any objection on the ground of venue, forums non conveniens or any similar grounds. The User further consents to accept service of any legal process by registered mail to the address the User has provided DIV during registration or in any other manner as permitted by the relevant laws.


    21.2

    SEVERABILITY

    If any of the provision herein contained should be invalid, illegal or unenforceable under any applicable law, the legality and enforceability of the remaining provisions shall not be affected or impaired in any way and such invalid, illegal or unenforceable provision shall be deemed deleted.


    21.3

    NO WAIVER

    No delay or indulgence by DIV in enforcing any term or condition of these Terms and Conditions nor the granting of time or grace period by DIV to the User shall prejudice the rights or powers of DIV nor shall any waiver by DIV of any breach by the User constitute a continuing waiver in respect of any subsequent or continuing breach.


    21.4

    SURVIVABILITY

    The Clause on Liability & Indemnity of these Terms and Conditions shall survive any termination of Service(s) between DIV and the User.


    21.5

    ENTIRE AGREEMENT

    These Terms and Conditions constitutes the entire agreement between DIV and the User concerning the subject matter herein and supersedes any and all previous terms and conditions, understanding, representations and warranties relating to that subject matter.


    21.6

    VERSION UPDATES & LANGUAGES

    The most updated version of these Terms and Conditions shall prevail over any previous versions. These Terms and Conditions are also available in Bahasa Malaysia. In the event of any inconsistency, the English version of the Terms and Conditions shall prevail over the Bahasa Malaysia Version.


Date : 6 July 2020