TPAY CUSTOMER TERMS & CONDITIONS

HI PAY COMPANY LIMITED requires that all persons accessing TPay Mobile Financial Services which is provided by HI PAY COMPANY LIMITED adhere to the following Terms and Conditions. By requesting or using TPay Mobile Financial Services of HI PAY COMPANY LIMITED via TPay Application or permitting someone else to use these on behalf of the Customer, the Customers indicate their acknowledgment and acceptance of these Terms and Conditions, which are from time to time subject to changes.

1. DEFINITIONS

The following terms when used in these Terms and Conditions or any document referred to herein shall have the following meaning:

1.1 “Account” means an arrangement with the TPay application that allows the Customer to keep the money at the TPay.

1.2 “Agent” means a third-party operator who has an Agreement with TPay to perform certain bank-related functions on behalf of TPay.

1.3 “Agreement” means these Terms and Conditions as amended by HI PAY COMPANY LIMITED from time to time, together with the Customer registration form, as directed by the Central Bank of Myanmar.

1.4 “Business Day” means a day other than a Saturday, Sunday, public holiday, or bank holiday in Myanmar.

1.5 “CBM” means the Central Bank of Myanmar.

1.6 “E-Wallet Account” means a TPay digital wallet account provided by HI PAY COMPANY LIMITED that allows Customers to electronically store funds and perform financial transactions.

1.7 “Fees” mean all fees and charges for the use of the Service, as published by HI PAY COMPANY LIMITED and included in the Schedule of Fees.

1.8 “Inactive Account” means the Customer’s TPay Account with no initiated debit or credit transaction for twenty-four (24) months and above will be labeled as Inactive Account, this means that the Customer will no longer be able to access to make transactions and use the Customer’s TPay Account.

1.9 “TPay” means the Mobile Financial Services offered by HI PAY COMPANY LIMITED offered to the Customers via the TPay Application and its appointed Agents.

1.10 “TPay Account” means a Mobile Financial Services Account provided by HI PAY COMPANY LIMITED through the TPay Application, comprising an E-Wallet Account for Customer’s digital financial management.

1.11 “KYC” means any “Know Your Customer” identity registration requirements issued by the Central Bank of Myanmar to time and other regulatory authorities in Myanmar.

1.12 “Merchant” means an establishment that accepts Mobile Money for the purchase of goods and services or the payment of bills, including online merchants.

1.13 “Mobile Financial Services Account or MFS Account” means a store of value provided by HI PAY COMPANY LIMITED for the purposes of conducting Transactions related to the Service.

1.14 “Network Service Provider” means the telecommunications and data services provider used by the Mobile TPay Account Holder to communicate and transact with TPay.

1.15“Non-registered Services / Over-The-Counter (OTC)”means services provided by TPay without requiring the Customer’s registration.

1.16 “Payee” means a person who is to receive money.

1.17 “PIN or Personal Identity Number” means a numerical password set by the Customer and used to authorize and authenticate Transactions.

1.18 “Schedule of Fees” means the document of that name, as varied from time to time by HI PAY COMPANY LIMITED and published in Limit & Fees of TPay Application.

1.19 “Service” means mobile financial services, and in particular the provision of payments and financial services through the use of mobile technology infrastructure including electronic terminals.

1.20 “SIM” means Subscriber Identity Module, which is a microchip device used to authenticate a subscriber on the mobile network.

1.21 “SMS” means short messaging service and is a communication protocol allowing the interchange of short text messages between mobile telephone devices.

1.22 “Transaction” means an action of performing financial or non-financial business activities using a mobile phone including, but not limited to cash in, cash out, transfer domestically/internationally, bill payments, merchant payments, balance inquiry, etc.

1.23 “User or Customer” means users who are end-customers of TPay.

1.24 “Verification Code” means Customers open TPay Application, click send verification code, and then enter 6 digits code via SMS in the Customer’s registered mobile number.

2. DESCRIPTIONS OF SERVICES

2.1 SERVICE OVERVIEW

The purpose of TPay is to provide financial services to the Customers via TPay Application and TPay’s designed Agents. TPay Customers will be able to perform financial services electronically via his/her mobile services and/or at TPay appointed Agents and via the TPay Application.

2.2 SCOPE OF SERVICE LEVEL

TPay provides services to customers based on their designated types. Each type of customer is required to comply with specific terms and conditions as defined below:

2.2.1 TPay Customer – TPay Customer is an individual who has attained the legal age of 18. This Customer may request to use TPay Accounts for personal purposes. All TPay Customers shall comply with all terms and conditions set forth in this TPay Customer Terms and Conditions.

2.3 TPAY ACCOUNT REGISTRATION

2.3.1 The TPay Customer can self-register for TPay via his/her mobile phone and can self- upgrade their TPay Account in accordance with TPay KYC policy.

2.3.2 The Customer can onboard and upgrade in accordance with TPay KYC policy at TPay appointed Agents and/or other channels approved by HI PAY COMPANY LIMITED only.

2.3.3 To open a TPay Account, the SIM card must be registered under the Customer’s name and match the name on the Customer’s KYC records.

2.3.4 All the Customers must provide the following required information (Registration Information) in order to complete the registration or upgrade process.;

2.3.4.1 Customer Name

2.3.4.2 Mobile Phone Number

2.3.4.3 Valid National Registration Card (NRC) or Valid Passport or Driving License

2.3.4.4 Gender

2.3.4.5 Date of Birth

2.3.4.6 Nationality

2.3.4.7 State/Division

2.3.4.8 Township

2.3.4.9 Town

2.3.4.10 Address

2.3.4.11 Email Address.

The Customer agrees to keep the Registration Information up-to-date at all times to ensure its completeness and accuracy.

2.4 TRANSACTION TYPES

TPay Customers will be able to perform the following Services with but not limited to

2.4.1 Cash in

2.4.2 Cash out

2.4.3 Transfer funds to/from TPay Accounts, and others

2.4.4 Bill Payment

2.4.5 Merchant Payment

2.4.6 Mobile Top Up

3. OBLIGATIONS OF CUSTOMER AND HI PAY COMPANY LIMITED

3.1 OBLIGATIONS OF HI PAY COMPANY LIMITED

3.1.1 HI PAY COMPANY LIMITED shall ensure that TPay Mobile Financial Service is available to the Customer at all times unless the Service is interrupted due to technical difficulties or any circumstances beyond HI PAY COMPANY LIMITED’s control.

3.1.2 HI PAY COMPANY LIMITED reserves the right to obtain such additional information as reasonably necessary to ensure that the Customer is not using TPay Account in violation of law, including, but not limited to, illegal activities such as gambling, pornography, prostitution, and laws and regulations designed to prevent ‘money laundering’, counter-terrorism financing or the transfer of funds to TPay Accounts that are blocked under regulations of the Central Bank of Myanmar and other regulators.

3.1.3 HI PAY COMPANY LIMITED reserves, at its own discretion, the right to decline the TPay Application of the Customer or cease providing the Services to the Customer.

3.1.4 HI PAY COMPANY LIMITED reserves the right to add, change, move Services offered or suspend the Services to the Customers at its own discretion or under the instructions of the relevant authorities.

3.1.5 HI PAY COMPANY LIMITED shall set any fees, charges, and Transaction limits associated with TPay and will collect according to the prescribed rate. HI PAY COMPANY LIMITED reserves the full right to change/modify fees, charges, commission, and Transaction limits at its own discretion for any reason at any time without any prior notice.

3.1.6 HI PAY COMPANY LIMITED reserves the right to automatically block or refuse any Transaction that exceeds the applicable Transaction limits or maximum Transaction amounts set by HI PAY COMPANY LIMITED.

3.1.7 HI PAY COMPANY LIMITED reserves the right to temporarily suspend or close any suspicious TPay Account related to fraudulent transactions during the investigation period in order to conduct the necessary Customer Due Diligence (CDD) or Enhanced Due Diligence (EDD).

3.1.8 HI PAY COMPANY LIMITED may, at its sole discretion and without prior notice, close the TPay Account if any Transaction exceeds the established limits or if the Customer repeatedly violates the Transaction limits set by HI PAY COMPANY LIMITED, in accordance with the rules and regulations of the CBM.

3.1.9 HI PAY COMPANY LIMITED may close or revoke TPay E-Wallet Account and Services, with or without notice to the Customer if the Customer does not follow HI PAY COMPANY LIMITED’s instructions in connection with the TPay Account and Services or the Customer does not comply with these Terms and Conditions or any applicable law.

3.1.10 HI PAY COMPANY LIMITED reserves the right to freeze or suspend the TPay Account, any partial amount or the whole balance within the TPay Account, or any Services associated with the TPay Account, in accordance with regulations or procedures set by relevant authorities from time to time.

3.1.11 HI PAY COMPANY LIMITED may implement measures and take actions necessary to comply with all applicable laws, regulations, and directives issued by relevant regulatory or governmental authorities, including but not limited to anti-money laundering (AML) and counter-terrorism financing (CTF) regulations.

3.2 OBLIGATIONS OF THE CUSTOMER

3.2.1 The Customer shall make a TPay registration with his own full legal name as described in the NRC or passport.

3.2.2 TPay Application usage is limited to only personal purposes and any other purposes are strictly prohibited. Any non-personal name in the name field shall be rejected by HI PAY COMPANY LIMITED.

3.2.3 The Customer warrants that all personal information contained in the Customer TPay account registration together with supporting identification documentation is correct, accurate, and up to date.

3.2.4 The Customer shall provide HI PAY COMPANY LIMITED with any updated personal information together with supporting documentation if the Customer’s personal information changes or if HI PAY COMPANY LIMITED requests to satisfy KYC requirements or other legal/regulatory requirements.

3.2.5 Any requests to change the mobile phone numbers or change any information of TPay Account by the Customers themselves are not allowed. The Customers shall call the TPay Call Center and are to follow the instructions.

3.2.6 HI PAY COMPANY LIMITED identifies the Customers by their unique mobile number and Transaction PIN. All Transactions initiated with the mobile number and Transactions will be attributed to the Customer. If a Transaction PIN/ number is received, and the mobile phone and the registered TPay Account are able to be accessed, it shall be deemed that the Customer himself or the authorized person is making the Transaction. HI PAY COMPANY LIMITED shall not reverse any Transaction once completed if such Transaction is attributed by the Customer.

3.2.7  The Transaction PIN/OTP of the Customer shall be kept secret, and it is the sole responsibility of the Customer to prevent the act of an unscrupulous person to ensure safety. Any consequences arising from disclosing the Transaction PIN/OTP of the Customer or illegally using it by someone is the sole responsibility of the Customer.

3.2.8  The Customer agrees not to give or make available Transaction PIN to any other individuals, including anyone claiming to represent HI PAY COMPANY LIMITED. The Customer acknowledges that HI PAY COMPANY LIMITED will never ask the Customer for the Customer’s Transaction PIN and that HI PAY COMPANY LIMITED employees do not need the Customer Transaction PIN.

3.2.9  The Customer agrees and understands that the TPay Account may be suspended, closed, or subject to action by regulatory authorities if the Customer sells or transfers the SIM associated with the TPay Account to an individual or any other organization after the TPay Account has been opened.

3.2.10  HI PAY COMPANY LIMITED has no responsibility to make remedies for losses or revoking arising out of money exchange with a certain person through TPay Account and other financial services applied by Customers.

3.2.11 The Customer is aware, agrees, and acknowledges and confirms that HI PAY COMPANY LIMITED is required to provide Customer data and Transaction information to any Court or government authorities. when requested.

3.2.12 The Customer acknowledges and agrees that HI PAY COMPANY LIMITED reserves the right to charge on the Customer’s Inactive Account keeping charges which will be deducted from the Customer’s Inactive Account.

3.2.13  Before making Transactions, the Customer shall thoroughly check the information of the receiver, and HI PAY COMPANY LIMITED has no responsibility for any loss or harm caused by transaction errors.

3.2.14  The Customer shall notify HI PAY COMPANY LIMITED immediately in case the Customer’s mobile phone or SIM is stolen/lost in order for HI PAY COMPANY LIMITED to block the Customer’s TPay Account so that the Service is suspended and unauthorized Transactions are prevented.

3.2.15  The Customer acknowledges and agrees that HI PAY COMPANY LIMITED has the right to close the Customer’s TPay Account at its sole discretion, if the balance in the respective account is zero (0), with or without prior notice to the Customer.

3.2.16  The Customer shall not be permitted by TPay in any of the following conduct/activities including, but not limited to, in connection with the use of the Customer’s TPay Account:

3.2.16.1 providing TPay with false, inaccurate, or misleading information;

3.2.16.2 using the Customer’s TPay for any illegal activities;

3.2.16.3 using TPay in a manner that may result in complaints, disputes, claims, penalties, or other liability to HI PAY COMPANY LIMITED, other users, or third parties or may be regarded as abuse or a violation of any services provided by a third party and used by the Customer for potentially fraudulent funding (or withdrawing from) the Customer’s TPay Account; or

3.2.16.4 breaching these Terms and Conditions or any applicable laws and regulations.

3.2.17  If the Customer has reasonable cause to believe that he/she has been a victim of fraudulent activities including unauthorized or suspicious use of his/her TPay Account, the Customer shall immediately contact the TPay Call center to report the incident.

3.2.18  After making investigations by officials of HI PAY COMPANY LIMITED, the Customer shall cooperate in finding the necessary information. HI PAY COMPANY LIMITED will inform the Customer on the progress of the investigation through the respective department enabling the Customer to know the latest developments.

3.2.19  If the Customer is suspicious of getting involved in the fraud case, he or she has to cooperate with the appropriate persons in the investigation of HI PAY COMPANY LIMITED. The Customer must be in a position to submit firm evidence that he or she is not getting involved in the fraud case. If not, the Customer shall follow the sole discretion of HI PAY COMPANY LIMITED.

3.2.20  The Customer agrees that he/she will provide/disclose necessary information to HI PAY COMPANY LIMITED to manage fraudulent cases, AML/CFT, or to comply with any other laws in Myanmar, and HI PAY COMPANY LIMITED will disclose any information of the Customer to relevant authorities when required by law.

3.2.21  The Customer acknowledges and agrees that Transactions may be blocked or refused if the Customer exceeds the established limits or amounts set by HI PAY COMPANY LIMITED, and HI PAY COMPANY LIMITED shall not be liable for any losses resulting from such actions.

3.2.22  The Customer agrees to cooperate fully with HI PAY COMPANY LIMITED and provide all requested information and documentation in a timely manner to facilitate the resolution of issues leading to the freezing or suspension of the account or Services.

3.2.23  The Customer acknowledges and agrees that HI PAY COMPANY LIMITED shall not be liable for any claims, losses, damages, or expenses arising out of or in connection with HI PAY COMPANY LIMITED’s exercise of its rights to freeze or suspend the Account, wallet, part or the whole balance of the TPay Account, or any Services provided under these Terms and Conditions.

3.2.24  The Customer agrees to provide all necessary information and cooperate with HI PAY COMPANY LIMITED to ensure compliance with applicable laws, regulations, and internal policies, including providing any required documentation or evidence.

3.2.25  The Customer agrees that the Customer gives HI PAY COMPANY LIMITED consent to collect, use, disclose, and retain his/her personal information and other information. By using the Service, the Customer agrees to TPay’s Terms and Conditions.

3.2.26  The Customer acknowledges and agrees to send all information including but not limited to information about Campaign and Marketing on this service, to the mobile phone of the Customer through SMS and SMS link.

4. FORCE MAJEURE

The Customer understands that HI PAY COMPANY LIMITED shall not be liable for any failure of or delay in the performance of these Services for the period that such failure or delay is due to causes beyond its reasonable control, including but not limited to acts of God, war, strikes or labor disputes, embargoes, government orders, fire, flood, torrential rain, storm or other extreme weather conditions, riot, insurrection, civil commotion, sanctions, boycott, failure of electricity, equipment failure, or any other force majeure event. HI PAY COMPANY LIMITED’s performance of these Services will, to the extent that it is prevented, hindered, or delayed by such circumstances, be suspended until such circumstances cease to exist. HI PAY COMPANY LIMITED will not be liable to the Customer or any other party or be considered in breach of these Terms and Conditions for a failure to perform, or delay in performing, any such obligation set out in these Terms and Conditions while those circumstances continue.

5. ANTI-MONEY LAUNDERING AND SANCTIONS

5.1 HI PAY COMPANY LIMITED is subject to anti-money laundering laws in the Republic of the Union of Myanmar and certain countries, which may prohibit HI PAY COMPANY LIMITED from entering or concluding Transactions involving certain persons or entities.

5.2 The Customer must provide all information required by HI PAY COMPANY LIMITED in order to manage its anti-money laundering or counter-terrorism financing and risks from the economic trade sanctions or to comply with any other laws and regulations of the Republic of the Union of Myanmar.

5.3 The Customer declares and undertakes that the process of any Transactions by HI PAY COMPANY LIMITED will not breach any of the laws in Myanmar or any other country.

6. LIMITATION OF LIABILITY

6.1 HI PAY COMPANY LIMITED will process and complete all Transactions initiated that comply with these Terms and Conditions. However, HI PAY COMPANY LIMITED shall not be liable if HI PAY COMPANY LIMITED is unable to complete any Transaction initiated by the Customer because of the existence of one or more of the following circumstances:

6.1.1 The Customer’s TPay Account does not contain sufficient funds to complete the payment;

6.1.2 The TPay Application Service, the communication line, the mobile device, or modem was not functioning properly, and the Customer knew about the malfunction or was advised of it by HI PAY COMPANY LIMITED when the Customer started the Transaction;

6.1.3 The Customer did not properly initiate the Transaction or provide HI PAY COMPANY LIMITED with the correct names and account information for those Payees to which the Customer wishes to direct payment;

6.1.4 Circumstances beyond HI PAY COMPANY LIMITED’s control (such as, but not limited to, fire, power outage, equipment or technical breakdown, flood, or other outside force) prevent the proper execution of the transaction;

6.1.5 The Customer instructs HI PAY COMPANY LIMITED to make a type of payment, such as tax payment or Court-ordered payment, which HI PAY COMPANY LIMITED cannot make;

6.1.6 The funds are subject to legal process or other hold or encumbrance restricting such transfer.

6.2 HI PAY COMPANY LIMITED will not be liable to the other for any loss of profits, loss of data, loss of use, cost of cover, business interruption, or other special and incidental, indirect punitive, or consequential damages. However, caused, under the theory of liability, arising from the performance or relating, to these Terms and Conditions, unless the party causing loss did so willfully, negligently, or without the due care and skill required for someone in the position of that party.

7. RIGHT TO SET OFF

The Customer is obliged to return any excess funds inaccurately credited due to erroneous Transactions by a third party or by HI PAY COMPANY LIMITED or for any reason. Where such funds do not rightfully belong to the Customer, HI PAY COMPANY LIMITED may deduct such excess deposits without any restriction, notice, or by all reasonable other means.

8. INTELLECTUAL PROPERTY

HI PAY COMPANY LIMITED is an owner of all intellectual property rights, whether in contents or wording, pictures, signs, logo, trade service marks, trade names as well as all design works, in all documents, websites of HI PAY COMPANY LIMITED, and TPay Application. The Customer must not exploit the intellectual property right of HI PAY COMPANY LIMITED or make any advertisement without receiving prior written consent from HI PAY COMPANY LIMITED. The Customer shall not perform or allow any third party to perform any action that might cause damage to the image, trademark, trade name, or other intellectual property right of HI PAY COMPANY LIMITED.

9. TERMINATION

HI PAY COMPANY LIMITED may suspend or terminate the Service at any time, with or without cause and without affecting the Customer’s outstanding obligations under these Terms and Conditions. HI PAY COMPANY LIMITED may immediately take this action if the Customer breaches this or any other agreement with HI PAY COMPANY LIMITED; HI PAY COMPANY LIMITED has reason to believe that there has been or may be unauthorized or illegal use of the TPay Account or the Service; as instructed by CBM or respective regulatory authorities; there are conflicting claims to the funds in the TPay Account. HI PAY COMPANY LIMITED will check all Customer’s Account(s) information with HI PAY COMPANY LIMITED and has the right to deduct the accrued amount on any Accounts Customers hold with HI PAY COMPANY LIMITED. 

10. INACTIVE ACCOUNT POLICY

10.1 If the Customer does not make any Transaction for twenty-four (24) months and above, the Customer’s TPay Account will have converted from an active account to Inactive Account and the Customer will no longer be able to access the Customer’s TPay Account. HI PAY COMPANY LIMITED has the right to deactivate/suspend or close the Inactive Accounts or Dormant Accounts that remain zero (0) balance or have less than and equal to 500 as a minimum balance. The Services provided to the Customer will be automatically terminated with or without giving notice to the Customer when the Customer’s TPay Account is closed.

10.2 If Inactive Account Customer who wants to reactivate his/her Inactive Account would need to visit physically the nearest TPay centers to fill up the form and request accordingly and shall fulfill all KYC (Know Your Customer) formalities required by HI PAY COMPANY LIMITED. The Customer acknowledges that HI PAY COMPANY LIMITED policies and procedures may be amended from time to time. HI PAY COMPANY LIMITED will proceed with the Inactive Account activation process at the Customer’s request in accordance with the policies and procedures of HI PAY COMPANY LIMITED.

11. DATA PRIVACY

11.1 HI PAY COMPANY LIMITED collects and uses personal information from the Customer when the Customer register for TPay Account, use the TPay Account for financial transactions, or TPay Services. The Customer’s personal information that HI PAY COMPANY LIMITED collects including Registration Information: the Customer’s name, date of birth, address, phone number, National Registration Card (NRC) or Valid Passport Information and Photos, biometric information, email address, and other contact information or any other and any other identifying information of the Customer (hereinafter referred to as “Privacy Data”) relating to the use of TPay Application provided that, any information that is freely available or accessible in the public domain shall not be regarded as sensitive Privacy Data or information. HI PAY COMPANY LIMITED understands that the Customer’s Privacy Data is important to the Customer and HI PAY COMPANY LIMITED values Customer’s trust in Privacy Data, thus HI PAY COMPANY LIMITED will use commercially acceptable means of protecting it. HI PAY COMPANY LIMITED will use the information collected from the Customer for several lawful purposes such as;

11.1.1 Processing applications and Transactions.

11.1.2 Verifying the Customer’s identity (such as when the Customer accesses the Customer’s TPay Account information).

11.1.3 Preventing fraud and enhancing the security of the Customer’s TPay Account or Services.

11.1.4 Responding to the Customer’s requests and communicating with the Customer.

11.1.5 Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations, and HI PAY COMPANY LIMITED’s policies.

11.2 HI PAY COMPANY LIMITED may retain the Customer’s Privacy Data for a longer period (including after the Customer is no longer a User), if it is necessary to comply with laws and regulations applicable to HI PAY COMPANY LIMITED. HI PAY COMPANY LIMITED uses a variety of security measures and technologies designed to help protect Customer’s Privacy Data from unauthorized access, use, disclosure, alteration, or destruction consistent with applicable laws and regulations.

11.3 The Customer hereby authorizes and agrees to HI PAY COMPANY LIMITED to exchange, share, and utilize the services of necessary third parties (external service providers or agents) and disclose the Customer’s Privacy Data to such third parties on such terms and conditions as required or part with all the information relating to the Customer, biometric information, account information and all information pertaining to the Customer or as expressed in the application made for availing the wallet services to its Affiliates, financial institutions, credit bureaus, agencies, and statutory bodies.

11.4 This Clause 13 relating to Privacy Data is part of the terms and conditions and is subject to change and any changes to this Clause 13 will become effective once the Customer agrees on these Terms and Conditions.

12. LOCATION DATA COLLECTION & USAGE

12.1 When We Collect Location Data

We only request location access when you actively use these features:

Localized Services: Display nearby stores or location-based promotions

Store Navigation: Redirect to third-party maps (e.g., Google Maps) for routes (only the destination coordinates are shared)

Security Checks: Detect suspicious login attempts (e.g., sudden overseas transactions)

12.2 How Data is Collected

Precision Control:

Navigation: Single-use GPS-level precision

Recommendations: Low-accuracy network-based (city-level)

Permissions:

Explicit consent via system pop-up each time

Never collected silently in the background

12.3 Third-Party Services

Navigation is powered by partners (e.g., Google Maps), governed by their policies.

We only share destination coordinates, never your real-time location trail.

12.4 Data Retention & Security

Encrypted for ≤30 days (for fraud analysis), then auto-deleted.

Aggregated & anonymized for analytics (e.g., regional footfall).

12.5 Your Control

Manage permissions via:

Device Settings → App Permissions → Toggle off location access.

In-app [Help Center]: One-tap history deletion.

13. SECURITY

HI PAY COMPANY LIMITED is committed to protecting the security and confidentiality of information about the Customer’s TPay Account and use of TPay. HI PAY COMPANY LIMITED has taken reasonable and appropriate measures to ensure that any personal information is always secure in the TPay system. However, HI PAY COMPANY LIMITED cannot guarantee that the public personal information that may have previously been provided will not be intercepted by others and unencrypted or compromised. HI PAY COMPANY LIMITED will not be held liable for any security breach that occurs for reasons outside of its control.

14. DISCLAIMER

13.1 To the fullest extent permitted by law, the HI PAY COMPANY LIMITED makes no representations or warranties of any kind in respect of the Service, either express or implied, statutory or otherwise, including but not limited to implied warranties of merchantability or fitness for a particular purpose, and the HI PAY COMPANY LIMITED hereby disclaims any such representations, warranties, and conditions of any kind.

13.2 The HI PAY COMPANY LIMITED shall not be liable for any authorized Transactions occurring through the use of the facility and the Customer hereby fully indemnifies and holds the HI PAY COMPANY LIMITED harmless against any action, suit, proceeding initiated against it or any loss, cost, or damage incurred by it as a result thereof.

15. WARRANTY

As a condition of the use of Services, the Customer warrants to HI PAY COMPANY LIMITED that the Customer will not use Services for any unlawful purpose. The Customer agrees to abide by all applicable laws, rules, regulations, and statutory requirements regarding the use of Services.

16. ASSIGNMENT AND SUCCESSORS

The Customer may not assign or transfer any of its rights or obligations under these Terms and Conditions either in whole or in part, to any third party without the prior written consent of HI PAY COMPANY LIMITED. HI PAY COMPANY LIMITED shall have the right at all times to assign or transfer any of its rights or obligations under these Terms and Conditions either to any assigns or successors of HI PAY COMPANY LIMITED.

17. AMENDMENT

The Customer acknowledges that HI PAY COMPANY LIMITED reserves the right to amend, modify, or substitute any provisions of this Terms and Conditions or to the Services and/or any charges at any time for any reason at its sole discretion and without any prior notice. The Customer shall be responsible for regularly reviewing these terms including amendments thereto as may be posted on the Website or TPay Application. Any use of these Services after a change or changes take effect will constitute these Terms and Conditions to such changes.

18. WAIVERS

Failure or delay on the part of either party to enforce any provision(s) of these Terms and Conditions at any point of time shall not be construed to be a waiver by such party of such rights thereafter to enforce each and every provision of these Terms and Conditions.

19. SEVERABILITY

Each of the provisions of these Terms and Conditions shall be several and distinct from one another. If any of the provisions of these Terms and Conditions becomes invalid, void, illegal, or unenforceable in any respect under any law, the validity, legal, and enforceability of the remaining provisions shall not in any way be thereby affected or impaired.

20. NO RELATIONSHIP

Nothing in these Terms and Conditions shall be construed as to create the relationship of employer-employee, partners, collaborators, joint-venture, or principal-merchant between the parties hereto. The parties shall be independent contractors and neither party shall bind the other by its acts, deeds, or omissions.

21. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms and Conditions shall be governed by, and construed in accordance with, the laws of the Republic of the Union of Myanmar, and the Courts in Myanmar shall have exclusive jurisdiction to solve any dispute arising from or under these Terms and Conditions.

22. LANGUAGE

These Terms and Conditions are made in both English and Myanmar and both versions shall be equally authentic and effective. In case of any discrepancy between the two versions, the Myanmar version shall prevail.

23. CONTACT INFORMATION

Call Center     : +95 9754591264

Support Email  :  cs@hipayasia.com

Website     : www.hipayasia.com, https://tpaymm.com/