Introduction

Kirim Uang Singapore Pte. Ltd. ("Kirim Uang") is a private limited company established under the laws of the Republic of Singapore, domicile in Singapore, who is the owner and manager of a mobile app and website www.kirimuang.com (“Platform”). Kirim Uang is a digital platform that provide an online money transfer services via mobile app (“Service”), especially for Indonesian workers overseas who wants to send money for their family in their hometown (“Customer”).

Kirim Uang takes the privacy of your information seriously. This Privacy Policy applies to the Platform and governs data collection, processing and usage in compliance with the Personal Data Protection Act 2012 (No. 26 of 2012) of Singapore (“PDPA”). By using the Platform, you consent to the data practices described in this statement.

Purpose of Collection

This Privacy Policy applies to all visitors of our Platform.

We will collect your personal data when you visit our Platform. When you visit our Platform, we may monitor the use of Platform through the use of cookies and similar tracking devices. This information helps us to build a profile of our users. Some of this data will be aggregated or statistical, which means that we will not be able to identify you individually.

We collect your personal information so that we can perform our business activities and provide you with the service that you need. Generally, we only collect information to provide you with a specific services and you have consented to that collection.

The personal information that you provide is collected for the following purposes:

·       Identifying you and your beneficiary in compliance with the applicable anti-money laundering/counter-terrorism (“AML/CTF”)  Act and its regulations of the country or territory where you are sending money; and our own internal AML/CTF policies and procedures.

·       Providing us with the information we need to effectively and efficiently transfer your money, and administering the other services that we provide or any other services provided by our affiliates, associates, and service providers.

·       Sending communications requested by you or obtaining additional information from you to effectively complete the transfer of your money.

·       Managing your relationship with us or our affiliates and associates including updating our records and keeping your contact details up to date.

·       Providing your updated personal information to our affiliates and associates, banks, partner financial institutions, contractors, or service providers to effectively complete the transfer of your money.

·       Conducting business research, data processing, and statistical analysis on our customers.

·       With your consent, providing you with information about other services offered by Kirim Uang or its affiliates and associates, partner banks and financial institutions.

·       With your consent, providing you with information about other products and services offered by third parties which may be of interest to you.

·       Complying with any law, rule, regulation, lawful and binding determination, decision, judgment, or direction of a regulator or in cooperation with any governmental authority of any country (or political subdivision of a country).

If you do not provide us with the personal information described above, we may not be able to comply with our legal obligations and properly manage our business risks. Hence, we may not be able to provide you with our services.

We are required by the applicable AML/CTF Act and its regulations, and our internal AML/CTF policies and guidelines to keep your personal information for a period of at least five (5) years unless a longer period is prescribed by law enforcement bodies in the corresponding country where you are located or the courts and any government authority that requires us to do so. While we have your personal information, we will safeguard it according to established industry security standards.

Personal Information

Kirim Uang required to collect and process your personal information under the Anti-Money Laundering and Counter-Terrorism Financing laws as applicable.

Personal Information is any information that can be used to personally identify you. If the information we collect personally identifies you or you can be reasonably identified from it, the information shall considered as personal information.

Personal information we may collect are as follows:

1.    Personally identifiable information, which includes:

a)     Identification details, such as name, date of birth, gender, signature, nationality or identity documents i.e driver’s license, passport, working permit or any forms of identification;

b)     Contact details, such as residential or postal address, email address or telephone number;

c)     Employment information, such as nature of your work or profession, name of employer, address of work place;

d)     Financial information, such as source of income, source of funds being remitted through our Platform or your bank account detail;

e)     Details contained in the relevant document that you key in when you use our Services. These details may include your name, handphone number, email, the purpose of your query, and details about your will;

(“Personal Information”).

2. Information about your computer hardware and software when you use our Platform. The information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by Kirim Uang for the operation of the Services, to maintain quality of the Services, and to provide general statistics regarding use of the Platform.

3.  Information on the purpose of transaction, and the persons who will receive the money that you are sending such as contact details, banking and financial information, and your relationship to such person.

4. Information relating to you that you provide to us directly through our websites or indirectly through the use of our websites or other online facilities, or through our representatives or otherwise.

Terms of Information Collection

We collect your personal information directly from you unless it is unreasonable or impracticable to do so. For example, we collect your personal information when you apply for or use a product or service, or when you talk to us or our representative in person or on the phone. We also collect information from you electronically; for instance, when you visit our website, send us an e-mail, or whenever you apply for access to our products and services electronically.

We may also collect information about you from other people or organizations. This may happen without your direct involvement. For instance, we may collect personal information about you from: our affiliates, associates, agents, and other representatives; publicly-available sources of information, such as public registers; your representatives (including your legal adviser, financial adviser, executor, administrator, guardian, trustee, or attorney); your employer; credit reporting agencies; other organizations, who jointly, with us, provide products or services to you; commercial information service providers, such as companies that provide fraud prevention reports; law enforcement agencies and other government entities.

It is understood that you authorize us to verify personal information that you have provided from any government regulatory body for purposes of complying with the customer identification requirements of the applicable AML/CTF Act and its regulations, and our AML/CTF financing policies and guidelines.

Non-disclosure

Your personal information shall not be used or disclosed for purposes other than those for which it has been collected, except with your consent, or unless we are required by law to do so.

Kirim Uang does not sell, rent, lease, or release your Personal Information to third parties. Kirim Uang may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique Personal Information is not transferred to the third party without your explicit consent. In addition, Kirim Uang may share data with trusted partners to help us perform statistical analysis, send you email or provide customer support. All such third parties are prohibited from using your personal information except to provide these services to Kirim Uang, and they are required to maintain the confidentiality of your Personal Information.

Disclosure of Personal Information

Kirim Uang will disclose or share your Personal Information, without notice, only if required to do so by the corresponding government authority, regulator, and/or any law enforcement agency or any law or in the good faith belief that any such action is necessary to: (a) comply with any legal requirements or comply with legal process served on Kirim Uang or the Platform; (b) protect and defend the rights or property of Kirim Uang; and (c) act under exigent circumstances to protect the personal safety of users of the Platform, or the general public.

We may disclose your personal information to:

1.      our employees, affiliates and associates, banks, contractors or service providers for the purposes of operation of our business, including, without limitation, web hosting providers, IT systems administrators, couriers, payment processors, data entry service providers, call centers, electronic network administrators, our auditors, and our professional advisors such as accountants, auditors, lawyers, business advisors and consultants; and

2.      third parties: (a) in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets; (b) if Platform or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.

Use of Cookies

The Platform uses “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard drive by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

Cookies on the Platform may be used to ensure a smooth user experience, perform analytics, and for showing relevant advertisements. Please note that third parties (such as analytics software) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.

Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to access all or parts of our Platform or to fully experience the interactive features of the Kirim Uang services or websites you visit.

Security of Your Personal Information

We strive to maintain the safety of your Personal Information. Any transactions will be encrypted using SSL technology. Unfortunately, no internet-based service is completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Access to, Updating, and Non-Use of Personal Information

Subject to the exceptions referred to in section 21(2) of PDPA, you have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please send an email to cs@kirimuang.com. We may make a small charge for this service.

We want to ensure that your Personal Information is accurate and up to date. If any of the information that you have provided to Kirim Uang changes, for example if you change your email address, name or contact number, please let us know the correct details by sending an email to cs@kirimuang.com. You may ask us, or we may ask you, to correct information you or we think is inaccurate, and you may also ask us to remove information which is inaccurate.

You have the right to ask us not to collect, use, process, or disclose your Personal Information in any of the manner described herein. We will usually inform you (before collecting your Personal Information) if we intend to use your Personal Information for such purposes or if we intend to disclose your Personal Information to any third party for such purposes. You can give us notice of your intention to halt the collection, use, processing, or disclosure of your Personal Information at any time by WA Chat at (+65) 89028000

Changes To This Statement

Kirim Uang will update this Privacy Policy to reflect customer feedback. Kirim Uang encourages you to periodically review this Privacy Policy to be informed of how Kirim Uang is protecting your information.

Contact Information

You have the right not to approve or withdraw approval of the use, management, transfer and disclosure of your personal information by a Kirim Uang to the extent that it complies and/or is not limited by applicable laws and regulations. But please keep in mind that by withdrawing the agreement regarding your personal information, Kirim Uang may not be able to contact you and/or provide the services you need.

If you have further questions regarding Kirim Uang privacy policy, please contact us at:

Office address :

37 Jalan Pemimpin #08-12

MAPEX

Singapore 577177

Email:

cs@kirimuang.com

About Kirim Uang

Kirim Uang Singapore Pte. Ltd. ("Kirim Uang") is a limited liability company established under the laws of the Republic of Singapore, domicile in Singapore, who is the owner and manager of a mobile application and Platform named www.kirimuang.com (“Platform”). Kirim Uang is a digital platform that provide an online money transfer services via mobile app (“Service”), especially for Indonesian workers overseas who wants to send money for their family in their hometown (“Customer”).

General

The Customer hereby agree to comply with any and all guidelines, notices, operating rules and policies and instructions relating to the use and/or access to the Platform, as well as any changes made by Kirim Uang, from time to time. Kirim Uang reserve the right to make revisions to guidelines, notices, operating rules, policies and instructions at any time and Customer are deemed to know and be subject to any of the above changes after notification or publication of such changes on the Platform or notification through other media.

Customer’s communication with Kirim Uang can be done through the Platform using the features provided. Customer are considered to know, agree and are willing to accept any form of notification or information that comes from the Platform through various communication media, including but not limited to email, WhatsApp and other communication media that may exist in the future.

Kirim Uang has right to increase, add variations, modify, put on hold, stop providing, delete, either in whole or in part from the Platform, without giving reasons & prior notice, and are not responsible if the increase, variations, modification, suspension or deletion prevents Customer from accessing the Platform.

Kirim Uang has right to do the following matters:

• monitor, filter or control every activity, content or material on the Platform. At Kirim Uang sole discretion, Kirim Uang can investigate any violations of the Terms and Conditions and can take any action deemed necessary and appropriate;

• prevent or limit user’s access to the Platform if necessary;

• report on the activities suspected of being a violation of the prevailing law, act or regulation to the competent authorities and cooperate with those authorities; and

• request any information and data related to the use of Services on the Platform and/or platform access at any time, and as an implementation of Kirim Uang rights, if Customer refuse to provide/disclose those requested information /data, or if Customer provide inaccurate, misleading information/data and/or fraud or if Kirim Uang have reason that reasonably suspect that Customer have provided inaccurate, misleading or fraudulent information and/or data, Kirim Uang will immediately stop or deactivate Customer’s account.

Eligibility

1. The Customer must be of the legal age of majority to contract in any jurisdiction where 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 Terms and Conditions; 

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 authorize the Customer's entry into this Agreement and performance of the Customer's obligations in respect thereof in accordance with Applicable Laws; 

3. The Customer shall comply with the provisions of these Terms and Conditions and any registration guidelines as may be set out by Kirim Uang from time to time; and

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

Registration 

1. An individual may submit an application to register for the Service (“Application”) through any one of the following channels:

   1. via the Kirim Uang Mobile App; or

   2. via Web; 

2. Each Application must be accompanied with or followed by the submission of such supporting documentation and information as Kirim Uang may require in order to verify the individual’s identity, to facilitate Kirim Uang’s assessment of the Application. 

3. An individual using the Kirim Uang Mobile App or Whatsapp 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 Kirim Uang or by any applicable third-party service provider.

4. An 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 Kirim Uang of any changes to such information via Kirim Uang Mobile App or by contacting the Customer Service.

5. An individual shall provide information related to each Beneficiary as may be required by Kirim Uang including the relevant bank account details of the appointed Beneficiary 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 Kirim Uang via Mobile App.

6. It may take up to 1 (one) Business Day for Kirim Uang to process any Application. Kirim Uang 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.

7. Kirim Uang shall notify each individual as to whether the Application has been accepted or rejected.

Restrictions and Prohibited Actions

In the using of Kirim Uang Platform, the Customer hereby agree that will not:

1. use automated devices, software, processes or methods to access, retrieve, collect or index on the Platform or any content on the Kirim Uang Platform;

2. use any device, software, process or method to interfere with or attempt to interfere with the correct work on the Kirim Uang Platform;

3. take any action that will impose a burden or make excessive requests for services on the Platform that Kirim Uang consider, according to Kirim Uang discretion, solely as improper or unbalanced site use;

4. sending spam, chain letters, contests, junk email, surveys, or other mass messaging, whether commercial or not;

5. use the Platform or content from it in any way that, according to Kirim Uang absolute discretion, is not reasonable and/or not for the purpose of providing it;

6. violates the rights owned by any person, including copyright, trade secrets, privacy rights, or any other intellectual property rights or ownership rights;

7. pretending to be any person or entity or trying to obtain money, keywords or personal information from others;

8. act by violating this Terms & Conditions or other conditions imposed by Kirim Uang or any applicable law;

9. duplicate, republish, resend, modify, adapt, distribute, translate, make derivative works or adaptations from, display publicly, sell, trade or in any way try Kirim Uang platform or any content on Kirim Uang Platform, except as authorized expressly by Kirim Uang; or

10. send or try to send computer viruses, worms, defects, Trojan horses or other destructive things. Kirim Uang reserve the right to carry out any method deemed necessary to prevent unauthorized access to or use of Kirim Uang Platform, including but not limited to, creating technological barriers, or reporting Customer behavior to any person or entity;

11. Uploading, posting, distributing, assisting in the distribution of content, including text, images, videos, sounds, data and other information on Kirim Uang Platform, namely false or misleading information, personal information that violates the privacy of others, information that contains lies, or things that are violated by law, or aim to interfere with users of Kirim Uang Platform, and other information that can damage the reputation of Kirim Uang Platform;

12. Disseminate information about services that are not in accordance with the vision and mission of Kirim Uang;

13. Take actions that can damage the features of Kirim Uang.

Customer are Prohibited to:

1. Using services on Kirim Uang Platform in bad faith;

2. Use services on Kirim Uang Platform without the intention to pay the service for any purpose, nothing is excluded;

3. Register or negotiate or request a service for the purpose of using prices, or other information listed on Kirim Uang Platform for commercial purposes, business competition, market surveys or other uses that conflict with this Terms and Conditions;

4. Providing incorrect or misleading information, including when completing the requested data on the form and uploading incorrect data on certain parts of the Kirim Uang Platform.

Restricted activities

Customers may use KirimUang services only for lawful purposes. Customers may not use our Services:

1. in any way that breaches any applicable local, national, or international law or regulation, or causes KirimUang to breach any applicable law or regulation;

2. in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;

3. for the purpose of harming or attempting to harm minors in any way;

4. for anything that is abusive, harmful, or does not comply with our content standards;

5. for any unsolicited or unauthorised advertising, promotional material, or any other form of spam;

6. to deal in harmful programs such as viruses, spyware, or similar computer code designed to adversely affect the operation of any computer software or hardware;

7. in any way that would locally or internationally evade any applicable taxes or facilitate tax evasion.

Unsupported businesses and transactions

We do not support businesses or transactions which are involved in any of the following categories, such businesses or transactions may be declined. While this list is representative, it is not exhaustive, and we reserve our right to deny our services to any customers who exceed our risk tolerance.

Regulated or illegal products and services

• Adult content

1. Pornography and other visual content depicting explicitly sexual acts.

2. Services of sexual nature (webcam shows, live chats, prostitution, escorts, etc).

3. Sexually oriented establishments (massage parlors, strip clubs, gentleman’s clubs).

• Alcohol businesses.

            Payments for the sale of alcohol to retail customers are not supported.

• Tobacco products.

• Cannabis.

• Products containing CBD.

            Any other products or services related to legal marijuana trade.

• Certain controlled substances or other products that present a risk to consumer safety.

1. Smart drugs, nootropic supplements.

2. Substances that provide similar effects as illegal drugs (kratom, khat, etc.)

3. Anabolic steroids and peptides.

• Drug paraphernalia.

Any equipment, product, or material which is intended for making, using, or concealing drugs.

• Pharmaceuticals.

1. Nutraceuticals, pseudo-pharmaceuticals, and other products which make unreasonable health claims not approved or verified by the applicable regulatory body.

2. Online pharmacies.

3. Prescription-only pharmaceutical drugs.

4. Payments for the sale of pharmaceutical products to retail customers are not supported.

• Chemicals.

Commodity chemicals.

• Counterfeit or unauthorised goods.

1. Unauthorised sale of designer and/or brand products.

2. Sale of illegally imported or exported goods.

• Gambling.

1. Lotteries.

2. Fantasy sports with cash prizes.

3. Games of chance with cash prizes.

4. Sales of in-game currencies by unauthorised vendors.

5. Any type of gambling payments or businesses related to Turkey, the United States, Canada, the United Arab Emirates or Singapore.

6. Any other type of businesses related to gambling, up to KirimUang' own discretion.

• Intellectual property or proprietary rights infringement.

Any product or service that directly infringes or facilitates infringement upon the copyright, patent, trademark, trade secrets, proprietary, or privacy rights of any third party.

• Products and services which are not legal in the jurisdiction they are being offered in.

Financial and other professional services

• Binary options.

• Escrow services.

• Companies involved in the exchange or trading of cryptocurrencies, or any other virtual currencies.

Including payments for the purpose of purchasing cryptocurrencies.

• Marketplaces from countries outside of European Economic Area and/or European Union or the United States.

• Money service businesses, or any businesses that carry on the activity of:

1. Operating a bureau de change or currency exchange service.

2. Transmitting money, or any representation of monetary value, on behalf of third parties.

3. Cashing cheques.

4. Payment processing.

• Platforms allowing the trading and/or exchanging of FX/CFD/options.

• Shell banks.

• Superannuation funds.

• Syndicates.

• Trust and corporate service providers that are involved in:

1. Opening accounts on behalf of other businesses.

2. Offshore company formation.

3. Using nominee directors and/or shareholders to obscure company ownership.

• Any other financial services operating without a licence where one is required.

Other restricted activities

• IPTV and VOIP services.

• Individuals, entities, or countries subject to international sanctions.

• Weaponry, military and semi-military goods and services.

Weapons (including weapons of historic significance), military software, or any other goods or services intended for military use.

• Nonprofit organisations and charities from countries outside of Canada, European Economic Area and/or European Union, Switzerland, USA, Australia, or New Zealand.

Unregistered charities are not supported from any regions.

• Trusts and foundations from countries outside of Canada, European Economic Area and/or European Union, Switzerland, USA, Australia, or New Zealand.

• Trade of restricted and/or endangered animal species and products derived from them.

• Multi-level marketing, pyramid schemes, get rich quick schemes, referral marketing.

Including any other services promising unreasonably high rewards.

• The United Arab Emirates-based oil, gas and shipping companies, as well as related activities.

• Businesses with relations or activity directly or indirectly linked to Cuba

• Surrogacy businesses.

Transaction

1. Each request from the Customer for the transfer of funds to a Beneficiary (“Transaction Request”) shall be submitted to Kirim Uang in such manner and form and accompanied with such supporting documentation and information as Kirim Uang may require. The Customer may make a Transaction Request through Kirim Uang Mobile App or by Web.

2. The Customer undertakes that all information provided pursuant to a Transaction Request, including Beneficiary information, shall be true, accurate, current and complete at the time of the request.

3. The Remittance Amount may only be converted into the local currency of the Territory to which the funds are to be remitted. The conversion of the Remittance Amount into the Converted Amount shall be performed at the prevailing Exchange Rate at the time the Transaction Request was made by the Customer, as determined by Kirim Uang in its absolute discretion.

4. The Customer may make enquiries in relation to Kirim Uang’s prevailing Exchange Rates through the Kirim Uang Platform. For the avoidance of doubt, Kirim Uang does not make any representation or warranty to the Customer that the exchange rate quoted will be the best available rate and/or that the exchange rate quoted will be the Exchange Rate applied to the Customer’s Transaction Request. Upon making the Transaction Request, the Customer shall be deemed to have accepted the prevailing Exchange Rate as determined by Kirim Uang in its absolute discretion and Kirim Uang will not entertain any dispute or requests for refunds arising from the Exchange Rate.

5. The Customer must make full payment of the Remittance Amount and all applicable fees before any Transaction Request will be processed.  Payment can be made by transferring to Kirim Uang bank account in DBS Bank.  Payment should be made from Customer’s bank account or from Employer’s bank account (if Customer’s occupation is Domestic Worker and Employer’s name is stated in the Work Permit).

6. Upon successful payment, Customer shall notify Kirim Uang Agent by providing proof of payment via Whatsapp chat in order for his transaction to be processed. An official e-receipt for the Transaction stating details including the Remittance Amount, the Exchange Rate and the Converted Amount will be electronically generated once the Customer’s Transaction Request is accepted and has been processed. This official e-receipt will be accessible via the Kirim Uang Mobile App.

7. The Customer understands that in order for any Beneficiary to successfully receive funds via the Service the Beneficiary must also be eligible to use banking services. It is the Customer’s sole responsibility to ensure that his intended Beneficiaries are eligible to do so and comply with all applicable terms relating to such third-party services.

8. The Customer agrees that the continued provision of the Service by Kirim Uang to the Customer in respect of Transaction Requests is subject to the following conditions:

   1. 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;

   2. 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;

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

   4. The Customer shall pass all checks and verifications that Kirim Uang may conduct from time to time, including such checks for AML/CFT and fraud;

   5. Each Beneficiary shall pass all checks and verifications that Kirim Uang may conduct from time to time, including such checks for AML/CFT and fraud;

   6. 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;

   7. The Customer’s full payment of all applicable fees; and

   8. The fulfilment of any other requirements as Kirim Uang may notify the Customer from time to time in relation to the Transaction Request.

9. Without prejudice to any other rights of Kirim Uang under these Terms, in the event any identification document submitted by the Customer is expired or invalid, Kirim Uang shall be entitled to suspend the Service. Further, Kirim Uang 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), in which case Kirim Uang 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.

10. All Transactions shall be subject to the following aggregate limits for Remittance Amounts:

    1. daily maximum limit of Singapore Dollars S$ 5,000/-; and

    2. monthly maximum limit of Singapore Dollars S$ 10,000/-;

    3. yearly maximum limit of Singapore Dollars S$ 30,000/-.

11. Kirim Uang may, at its absolute discretion, revise or impose additional limits on Transactions whether on transaction or aggregated basis, without prior notice to the Customer.

12. 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.

13. 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 Kirim Uang receives the Remittance Amount from the Customer, the Transaction Request shall be deemed to have failed. Kirim Uang will notify the Customer of such failure by the next Business Day, for the Customer’s further instructions.

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

15. 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 via the Kirim Uang 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

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

17. Subject to Applicable Laws, including the Personal Data Protection Act 2012 (No. 26 of 2012) Singapura (“PDPA”), Kirim Uang may record any telephone conversation with the Customer, screenshot conversation via WhatsApp and the Customer agrees that such recordings shall be admissible in evidence in any proceedings and shall be binding on the Customer.

Right & Obligation

A.    Customer

1. Customer are obliged to fulfil every request for information, data and other documents. 

2. Customer are obliged to follow the timeline applies in Kirim Uang Platform, especially in providing confirmation for the Services processed by Kirim Uang.

3. Customer are obliged to provide Kirim Uang with accurate, complete and valid information in accordance with the requirements for service options on the Platform;

B.    Kirim Uang

1. Kirim Uang obliged to conduct the Transaction Request which went through the Kirim Uang Mobile App & Web with the best quality and effort;

2. Kirim Uang obliged to give notification to Client on the occurance of failure of Transaction Request and/or Transaction itself due to any reasons, whatsoever;

3. Kirim Uang has right to accept a correct, complete and valid information from Customer pursuant to the requirement on the Kirim Uang Platform.

Data

Data provided by Customer must be accurate, complete and valid. If the data provided is inaccurate or incomplete or invalid, then Kirim Uang has the right to delete, stop or deactivate the account in question.

Payment Terms

1. Downloading and/or using Kirim Uang Platform is free. Kirim Uang may charge for downloading and/or using the Platform at any time, with prior notice so Customer can decide whether Customer want to continue using the Mobile App or not. However, the internet connection required to use the Platform, and any related costs (such as mobile data charges) incurred by the use of the Platform are Customer’s responsibility and are solely borne by Customer.

2. Applicable fees will be stated on the Kirim Uang Platform. Kirim Uang reserves the right to revise the applicable fees at any time at its absolute discretion. Any revisions will be published on the Kirim Uang Platform.

3. The Customer shall be responsible for all taxes (including goods and services tax) imposed under Applicable Laws.

Refund

1. Subject to the provision above, Kirim Uang shall refund the Remittance Amount to the Customer where any of the following situations occur:

   1. in the case of a completed Transaction, where the Customer had provided an incorrect Beneficiary information, provided that the Customer reported such error by contacting via WhatsApp and further provided that the Converted Amount has not been credited to the incorrect Beneficiary's bank account;

   2. Where Kirim Uang refuse to perform and/or complete any Transaction deemed inappropriate or suspicious by Kirim Uang pursuant to prevailing law or other related provisions; or

   3. Where Kirim Uang at its sole and absolute discretion agrees to refund the Remittance Amount (or part thereof).

   4. Where a Customer's request for a refund of the Remittance Amount (or any part thereof) is approved, Kirim Uang will notify and refund the Customer within twenty-one (21) calendar days. Refunds shall only be made to the Customer through: (i) direct payment into the Customer’s nominated bank account; or (ii) Customer may collect the refund in cash directly at Kirim Uang’s registered office.

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

Limitation of Liability 

1. Kirim Uang do not provide statements or guarantees for the reliability, timeliness, quality, suitability, availability, accuracy or completeness of the Platform, including but not limited to services obtained or originating from the third party through the Platform. Kirim Uang do not represent or warrant that (a) the Platform, always available without interruption, is safe or free of errors or omissions, or any defects found will be corrected immediately; (b) Platform is always free of computer viruses or other harmful code, harming, damaging, agents, programs or macros; (c) security of any information sent by Customer or to Customer through the Platform, and Customer hereby accept the risk that any information sent or received through Platform can be accessed by unauthorized third parties and/or disclosed by Kirim Uang or officers, employees or agent to a third party who claims Customer or claims to act under Kirim Uang authority. Internet transmission and electronic mail can be subject to interference, blackout transmission, delayed transmission due to incorrect internet traffic or data transmission due to the public nature of the internet.

2. Kirim Uang are not responsible to Customer for any loss or cause in any form that arises either directly or indirectly related to: (a) access, use and/or inability to use the Platform; or (b) systems, servers or connections that fail, errors, omissions, interruptions, delays in transmission, computer viruses or malicious codes, harm, damage, program agents or macros;

3. Kirim Uang use appropriate and reasonable technical and security methods to keep the platform safe and free of viruses and errors. However, no matter how effective this technology is, there is no impenetrable security system. Therefore, Kirim Uang cannot guarantee the security of Kirim Uang database and Kirim Uang also cannot guarantee that the information Customer provide will not be detained/interrupted while being sent to Kirim Uang.

4. Kirim Uang do not give statements or guarantees and are not responsible for any proposals to reject, reject, and/or other obstacles that arise and occur during the process of providing services through Mobile App, especially for services that are closely related to Government Agencies, and/or other authorities. Basically, Government Agencies and/or other Authorized Agencies have the absolute right to determine the terms and conditions of applicable documents and procedures.

5. Customer expressly waive and release Kirim Uang from any and all obligations, claims or damages arising from or in any way in connection with the Service’s results through Platform. Kirim Uang will not be a party to the dispute, negotiating a dispute. The responsibility for decisions that Customer make on the services through Kirim Uang Platform is Customer’s responsibility. Customer expressly waive and release Kirim Uang from any and all obligations, demands, causes of action, or damages arising from the use of Platform, software, or in any way related to Customer or any other third-party services introduced to Customer through Platform.

6. Kirim Uang’s provision of the Service to the Customer is subject to third party conditions  and actions on which the provision of the Service is dependent and because of that Kirim Uang has no control over including regulatory issues, currency availability, foreign exchange controls, any relevant bank’s and any cash out agent’s hours of operation, local and foreign Business Days and public holidays, the availability and connectivity of a suitable network infrastructure at the time when the Service is requested or performed, and capabilities of the relevant networks and delivery systems at the time and location when and where the Service is requested or performed. Notwithstanding anything to the contrary in these Terms, Kirim Uang shall not be liable in any way for any such conditions or third-party actions or omissions.

7. The Customer acknowledges that the usage of Service is at his own risk. Kirim Uang does not represent or provide any warranty that the Service will meet the Customer’s requirements or that the Service will always be provided uninterrupted or in a timely secure or error-free manner or be available accessible or functional at all times. While Kirim Uang will make reasonable efforts to ensure that the Transactions are processed and performed in a timely manner, Kirim Uang makes no representations or warranties regarding the time needed to complete processing or to remit the amount to any Beneficiary. Furthermore, all information stated on the Kirim Uang Platform is subject to change and Kirim Uang does not guarantee that such information is always printed error-free. To the fullest extent permitted by Applicable Laws, Kirim Uang expressly excludes any guarantee, representation, warranty or undertaking of any kind (including warranties of non-infringement), whether express or implied, statutory or otherwise, relating to or arising from the use of the Service or Kirim Uang’s performance of any Transaction.

8. The Customer is solely responsible for ensuring the accuracy and completeness of each Transaction Request, including Beneficiary information. To the fullest extent permitted by Applicable Laws, Kirim Uang shall not be responsible for any costs, losses, liabilities, expenses, claims or damages (whether direct, indirect or consequential) suffered or incurred by the Customer as a result of any Transaction Request being inaccurate, inadequate or incomplete in any way, or any failure, refusal, delay or error by any third party through whom the Transaction is made to the intended Beneficiary.

9. If for any reason Kirim Uang is unable to rely on the limitations of liability set out above, or is found to be liable to the Customer under any grounds (if any) and is proven by the Customer, Kirim Uang’s maximum liability to the Customer whether in contract, tort (including negligence or breach of statutory duty) or under any action that cause losses, damages or liabilities in relation to Kirim Uang’s provision or operational activities or this Terms shall be limited to S$5000 (five thousand Singapore Dollar) or the aggregate of the fees paid by the Customer for the last three (3) months before the claim occur, whichever is lower. Kirim Uang’s maximum liability to the Customer in every one-year period, notwithstanding any number of events, shall be limited to S$5,000 (five thousand Singapore Dollar).

Intellectual Property

1. All Intellectual Property in or relating to the Service belongs solely to Kirim Uang and its licensors. Nothing in these Terms shall be construed as granting the Customer any licence or right to use any Intellectual Property in or relating to the Service without the prior written consent of Kirim Uang. Any rights not expressly granted herein are reserved.

2. The Customer shall not and shall not attempt or allow any other person to either directly or through the use of any device or software or other means, tamper, modify, reproduce, duplicate, alter, exploit, reverse-engineer or otherwise attempt to derive the resource code of the Service in any manner not expressly permitted by Kirim Uang or its licensors.

Termination

1. Subject to Applicable Laws, Kirim Uang reserves the right to suspend at its absolute discretion for such period as Kirim Uang may consider appropriate or terminate the Service at any time upon written notice to the Customer. Such notice shall be effective upon posting on the Platform or on such date as may be otherwise stated by Kirim Uang.

2. Without prejudice to the point (1) above, Kirim Uang may suspend or terminate the provision of the Service to the Customer immediately by written notice (subject to Applicable Laws) to the Customer if:

   1. The Customer has, or Kirim Uang has reason to believe that the Customer has, committed a breach of any of the provisions of these Terms;

   2. Kirim Uang 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);

   3. Kirim Uang has reason to believe that the Customer is using the Service or making any Transaction Request, on behalf of another party;

   4. Kirim Uang is required to do so in order to comply with Applicable Laws;

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

   6. Kirim Uang has reason to believe that the Customer has perpetrated a fraud on Kirim Uang or has conducted an action in a manner which constitutes an attempt to perpetrate a fraud on Kirim Uang;

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

   8. 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;

   9. The Customer dies, or becomes mentally incapacitated or suffers some other form of legal disability;

   10. Any representation or warranty made by the Customer to Kirim Uang is incorrect or misleading; or

   11. The Customer’s Singapore-registered mobile number is terminated and resulting in Kirim Uang not able to contact the Customer.

3. The Customer shall not be entitled to any payment, compensation or damages from Kirim Uang 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.

4. Kirim Uang’s right to suspend or terminate the Service shall be without prejudice to any other rights or remedies which Kirim Uang may have under these Terms and Conditions.

5. Upon termination of the provision of the Service (whether in whole or in respect of any particular Territory or in respect of the Customer):

6. 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 Kirim Uang nor the Customer shall have any further obligations to the other;

7. 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

8. All sums due or accruing due or payable to Kirim Uang under these Terms up to and including the date of termination shall become immediately due and payable to Kirim Uang.

• The submission of complaints can be submitted in several ways, namely as follows:

1. Contact Customer Service Agent via WhatsApp Chat at (+65) 89028000.                        

2. Send an email to : cs@kirimuang.com.

• After we received your submission of complaints, we will:

1. response to you by email

2. ask for any extra information, if we need it

3. investigate your case and your concerns, referring to the Terms and Conditions

We'll look into your case and will send you a final response within 30 working days via email.