“PAYPILIPINAS” USER TERMS AND CONDITIONS (SINGAPORE)
Consumer Advisory
Paypilipinas Pte. Ltd., a company registered in Singapore with UEN 201221613R (“Paypilipinas”), the holder of the Paypilipinas stored value facility, does not require the approval of the Monetary Authority of Singapore. Consumers (users) are advised to read the terms and conditions carefully.

These Terms and Conditions set out the rights and obligations of and constitute the agreement between Singapore User (as defined below) and Paypilipinas on the supply and use of the Paypilipinas Services (as defined below). These Terms and Conditions take effect and become binding on Singapore User when Paypilipinas approves and accepts Singapore User’s application to open a Singapore User Account (as defined below).
1. MEANINGS AND INTERPRETATION
1.1 The following capitalized expressions used in these Terms and Conditions shall have the meanings set out opposite them respectively.
“Authority” The Monetary Authority of Singapore.
“FAQs” The list of Frequently Asked Questions and the answers thereto provided by Paypilipinas on the Paypilipinas Website including such amendments and variations as may be effected by Paypilipinas from time to time in accordance with the provisions of these Terms and Conditions.
“Instruction” Any instruction relating to the payment of a PH Merchant given or transmitted to Paypilipinas through the Paypilipinas Website by Singapore User in relation to a Singapore User Account.
“Payment Gateway” Any person or entity, whether or not related or affiliated to Paypilipinas, with which Paypilipinas has established arrangements to effect or route payments or which otherwise acts as a payment gateway, to PH Merchants.
“Paypilipinas” Paypilipinas Pte. Ltd., a company incorporated in Singapore with UEN 201221613R.
“Paypilipinas Website” This Internet website owned and operated by Paypilipinas and accessible at the following uniform resource locater (url) http:// www.paypilipinas.com or such other website designated by Paypilipinas.
“Paypilipinas Services” The services provided by Paypilipinas whereby Paypilipinas arranges for and effects, whether or not with or through the services of a Payment Gateway, payments to PH Merchants for and on behalf of and pursuant to Instructions received from Singapore User up to the amount of the stored value available in such Singapore User’s Singapore Wallet from time to time, as well as all other services related thereto, including maintenance of the Singapore User Account and refund of amounts in the Singapore Wallet.
“PH Merchant” Any merchant, vendor, distributor, reseller, supplier or service provider in the Philippines to whom Singapore User owes or otherwise wishes to make payment of monies and which has established arrangements with:
(i) Paypilipinas for the receipt of payments from Paypilipinas directly; or
(ii) a Payment Gateway for the receipt of payments from such Payment Gateway, which has in turn established arrangements for the receipt of payments from Paypilipinas,
and “PH Merchants” shall be accordingly construed in the plural.
“Singapore User” Such person or legal entity who:
(i) registers with or provides a Singapore postal address and/or a “.sg” email address and/or indicates Singapore as his country of residence in his application to use Paypilipinas Services or to establish his Singapore User Account, whether at the Paypilipinas Website or otherwise; and
(ii) has been approved and accepted by Paypilipinas to use Paypilipinas Services hereunder.
“Singapore User Account” The account registered with Paypilipinas in the name of Singapore User under these Terms and Conditions following registration of Singapore User with Paypilipinas.
“Singapore User Information” All information provided by Singapore User to Paypilipinas pursuant to these Terms and Conditions or otherwise in connection with the use of the Paypilipinas Services.
“Singapore Wallet” The prepaid stored value facility purchased and maintained by Singapore User under his Singapore User Account for the purpose of making payments to PH Merchants by Singapore User.
“S$” Singapore Dollars.
“Terms and Conditions” These Terms and Conditions including such amendments and variations hereto as may be made by Paypilipinas from time to time in accordance with the provisions of these Terms and Conditions.
1.2 References to:
1.2.1 a law or legislation refers to the same as amended, modified or replaced from time to time and to any such by-law, rule, regulation, directive or order made under or pursuant to the said law or legislation;
1.2.2 a person includes a body, corporate or unincorporated, including partnership, and its successors and assigns;
1.2.3 a word importing the singular shall be construed as the plural and vice versa as required by the context in which the word is used;
1.2.4 a word in any particular gender shall be construed as any other gender as required by the context in which the word is used.
2 SINGAPORE USER
2.1 Qualification
2.2.1 For the avoidance of doubt, Paypilipinas shall be entitled and reserves the right and discretion to approve or reject any application made by any person to become a Singapore User or to use Paypilipinas Services, based on such qualifying criteria established by Paypilipinas from time to time.
2.1.2
(i) Singapore User has duly submitted his application to register his Singapore User Account with Paypilipinas and duly provided to Paypilipinas, all information required in connection with such application, accurately, truthfully and fully, including without limitation his full name, date of birth, identification number, email address and postal address;
(ii) Paypilipinas has approved and accepted Singapore User's application and has registered the Singapore User Account in Singapore User's name; and
(iii) Singapore User fully abides by and complies with these Terms and Conditions at all times.
2.1.3 In the event that Singapore User is in breach of any of these Terms and Conditions or has been suspended permanently or temporarily from using Paypilipinas Services, whether or not he has been notified, he will be precluded from using Paypilipinas Services, and accessing his Singapore User Account regardless of whether he satisfies the conditions in Clause 2.1.2.
2.2 General Obligations and Warranties
Without derogating from the obligations of Singapore User provided elsewhere in these Terms and Conditions, Singapore User hereby represents, warrants and undertakes that:
2.2.1 Singapore User has full legal capacity and authority and has obtained all regulatory and internal authorisations, consents, licences or approvals required to –
(i) accept, agree to and perform his obligations under these Terms and Conditions;
(ii) use Paypilipinas Services;
(iii) disclosure Singapore User Information;
(iv) give Instructions in relation to his use of his Singapore User Account and Singapore Wallet from time to time;
2.2.2 all Singapore User Information (whether initially provided in connection with Singapore User’s application to use Paypilipinas Services or from time to time thereafter) is accurate, truthful and complete, and has been and will be duly maintained and updated promptly at all times;
2.2.3 Singapore User shall be solely responsible for the operation and use of his Singapore User Account and Singapore Wallet and the use of Paypilipinas Services under his Singapore User Account, whether the same is in fact used by Singapore User or by any other person with or without Singapore User's authorisation;
2.2.4 Singapore User shall not do nor otherwise permit to be done, any act which may impose an unreasonably or disproportionately large load on the infrastructure or facilities or interfere with the proper working of the Paypilipinas Website whether by the use of any device or software;
2.2.5 Singapore User shall not undermine nor otherwise permit to be undermined, the security or integrity of the Paypilipinas Website in any manner whatsoever, including without limitation introducing into the systems or networks any viruses, Trojan horses, time-bombs or other disabling devices intended to detrimentally interfere, damage, surreptitiously intercept or expropriate such systems or networks;
2.2.6 Singapore User shall not gain or attempt to gain nor otherwise permit, any unauthorised access to the Paypilipinas Website or the accounts of other users;
2.2.7 Singapore User shall not use nor permit any person to use, his Singapore User Account for any unlawful purpose or in contravention of any laws, or rules, byelaws or regulations of any government or quasi-government body; and
2.2.8 Singapore User shall generally comply with these Terms and Conditions, the FAQs and such other directions or requirements of Paypilipinas, in the use of Paypilipinas Services.
3 PAYPILIPINAS SERVICES
3.1 Regulatory Restrictions
Singapore User acknowledges and agrees that:
3.1.1 the provision of Paypilinas Services by Paypilipinas is subject to the applicable law in Singapore including as contained in the Payment Systems (Oversight) Act, Payment Systems (Oversight) Rules and all other subsidiary legislation, guidelines and directives related thereto whether issued by the Authority or other competent authority;
3.1.2 Paypilipinas Services are only available to Singapore User through use of his Singapore Wallet, and Singapore User shall not purchase, and nothing done, said or published by Paypilipinas, any of its affiliated companies and/or its agents or employees, shall be construed as an offer or invitation to Singapore User to purchase, any other stored value facility issued and/or held by any of Paypilipinas’ affiliated entities.
3.2 Conditional Provision
Paypilipinas Services are made available by Paypilipinas on condition that:
3.2.1 Singapore User will bear full responsibility for the use of his Singapore User Account and the issuance of all Instructions in connection with his Singapore User Account, whether such use or Instructions is or are in fact perpetrated or issued by Singapore User himself or by any other person with or without Singapore User's authorisation;
3.2.2 Paypilipinas shall not be responsible for monitoring or controlling any activity carried out in or through any Singapore User Account, including verifying whether any Instruction issued is with Singapore User's authorisation;
3.2.3 Singapore User shall not hold Paypilipinas (or its agents, operators or licensors) liable in any way for any losses or liabilities arising as a result of any operation or use of or access to his Singapore User Account, including such operation, use or access by any unauthorised person; and
3.2.4 Paypilipinas Services are delivered on an “as is” and “as available” basis and Paypilipinas makes no representations or promises that Paypilipinas Services will be available in any particular manner, for any particular purpose, at any particular time or at all, as may be required by Singapore User; and
3.2.5 the FAQs set out the rules, policies and practices pertaining to the use of Paypilipinas Services and the Paypilipinas Website, which are hereby incorporated into these Terms and Conditions and Singapore User shall be obliged to check the FAQs for applicable updates thereto from time to time.
4 SINGAPORE WALLET
4.1 Holder of Funds
4.1.1 Paypilipinas is the sole and exclusive holder of the aggregate amount of stored value relating to the Singapore Wallet.
4.1.2 Notwithstanding Clause 4.1.1, to facilitate the performance and delivery of Paypilipinas Services, Paypilipinas may use or deploy the services of or collaborate with:
(i) licensed remittance businesses; and/or
(ii) any Payment Gateway which has established payment arrangements with one or more PH Merchant/s.
4.2 Protection of Funds
Paypilipinas will ensure protection of stored value held in the Singapore Wallet by maintaining adequate insurance policies on such stored value.
4.3 Top-up of Funds
4.3.1 Subject to Clause 4.3.2, Singapore User may top-up the funds in his Singapore Wallet through any of the available methods for top-up as stated in the FAQs.
4.3.2 Paypilipinas may and reserves the right to reject any top-up request by Singapore User for any reason whatsoever, including without limitation, on the ground that the proposed top-up would cause:
(i) the aggregate amount of stored value held by Paypilipinas, directly or indirectly, alone or together with any person over whom Paypilipinas has control or influence, to exceed S$30 million; or
(ii) the amount of stored value in the Singapore Wallet to equal S$1,000 or more, notwithstanding Clause 4.6.
4.4 Refunds
4.4.1 Subject to Clause 4.4.2, Singapore User may request a refund of the available unused balance of stored value in his Singapore Wallet subject to and in accordance with the procedure for such refund as stated in the FAQs.
4.4.2 Paypilipinas reserves the right to:
(i) initiate and effect a refund to Singapore User in accordance with this Clause 4.4 in the event that Singapore User’s request for top-up of his Singapore Wallet is rejected pursuant to Clause 4.3, after top-up funds are received by Paypilipinas or in the event of a termination of the agreement under these Terms and Conditions;
(ii) refuse or withhold any refund requested by Singapore User on the basis that –
(a) the stored value in the Singapore Wallet has been illegally or erroneously updated or has not been updated in accordance with the procedures set out in these Terms and Conditions or the FAQs or otherwise is not or will not be available for refund, including after payment of Fees due to Paypilipinas; or
(b) the refund would not be permitted under or would not be in compliance with the applicable law;
(iii) effect the requested refund to Singapore User in S$, and to the extent that this involves a currency conversion of the amount standing in the Singapore Wallet to be refunded, at such currency exchange rate as determined by Paypilipinas from time to time, all the risks of which shall be borne by Singapore User; and
(iv) charge to Singapore User an administrative fee in the amount as set out in the FAQs in connection with any refund.
4.5 Fees
Singapore User agrees and undertakes:
4.5.1 to pay Paypilipinas, all Fees due and payable for the provision of Paypilipinas Services; and
4.5.2 that Paypilipinas shall be entitled to deduct from and apply, the available amount standing in the Singapore Wallet, towards payment of such Fees.
4.6 Stored Value Funds of S$1,000 or More
4.6.1 The Singapore Wallet shall not be able to contain (and Singapore User shall not be able use or obtain any refund from the Singapore Wallet of), stored value of S$1,000 or more, unless expressly permitted by Paypilipinas and the provisions of Clause 4.6.2 are complied with, which compliance Singapore User agrees to.
4.6.2 Without implying any obligation on its part to do so, Paypilipinas will only permit the Singapore Wallet to hold (or Singapore User to use or obtain any refund from the Singapore Wallet of) stored value of S$1,000 or more on condition that Paypilipinas (or in relation to Clause 4.6.2(i), any intermediary appointed by Paypilipinas for the purposes thereof) shall:
(i) Due Diligence perform, and Singapore User shall co-operate and assist in the performance of, due diligence on Singapore User pursuant to the requirements of the MAS Notice PSOA-N02 (“Notice”) issued by the Authority including without limitation, establishment and verification of information on the following, using reliable and independent sources, and retention of reference documents used in such verification –
(a) where Singapore User is a company, partnership or limited liability partnership, or other body corporate or unincorporate, the identities of all directors, partners and persons having executive authority as if such persons were themselves Singapore User;
(b) the identity of Singapore User and any agent thereof (as well as identity and authority of any natural person appointed by Singapore User to act on his behalf in relation to his Singapore Wallet), including information stated in Clause 2.1.2(i); and
(c) the existence of any beneficial owner in relation to the Singapore Wallet, and if so, the identity of each such beneficial owner;
(ii) Transaction Review upon each request for a purchase, top-up, redemption and refund of the Singapore Wallet (“Transaction”), review earlier Transactions to ensure that the current Transaction is consistent with such earlier Transactions, with special attention to complex or unusually large Transactions or unusual patterns;
(iii) Records maintain records of all information identifying Singapore User, account information and business correspondence, and information needed to explain and reconstruct any Transaction relating to his Singapore Wallet for a period of 5 years following termination of such Singapore Wallet;
(iv) Policies and Procedures have in place policies and procedures to –
(a) address specific risks associated with non-face-to-face Transactions;
(b) report suspicious Transactions pursuant to section 39(1) of the Corruption, Drug Trafficking and Other Serious Crimes (Confiscation of Benefits) Act (Cap 65A) and Part II of the Terrorism (Suppression of Financing) Act (Cap 325); and
(c) help prevent money laundering and terrorism financing, including by
  • ensuring compliance with the Notice
  • auditing and assessing the effectiveness of the said policies and procedures;
  • screening prospective employees;
  • regularly training officers and employees on laws on anti-money laundering, countering the financing of terrorism, the prevailing techniques, methods and trends in money laundering and terrorist financing and the said policies and procedures.
5 SINGAPORE USER ACCOUNT
5.1 Security
5.1.1 Singapore User shall:
(i) be responsible for maintaining the use and operation of his Singapore User Account and for the security and confidentiality of the username and password associated with his Singapore User Account, whether the same is used by Singapore User or by any other person with or without Singapore User's authorisation;
(ii) not permit any other person to have access to or knowledge of the username and password associated with his Singapore User Account; and
(iii) use such username and password only in accordance with and for the purposes contemplated by these Terms and Conditions.
5.1.2 If Singapore User loses or forgets his password relating to his Singapore User Account, or discovers that it has been compromised in any manner, Singapore User shall immediately:
(i) notify Paypilipinas of the said loss or compromise, in the manner stated in the FAQs; and
(ii) stop using his Singapore User Account until all procedures for the replacement of Singapore User’s password have been completed as advised by Paypilipinas.
5.2 Instructions
5.2.1 Paypilipinas may rely and act upon any Instruction issued or purportedly issued under the Singapore User Account, whether with or without Singapore User's authorization, and Singapore User shall not dispute the authorization or source of any such Instruction and/or the validity and legitimacy of any transaction carried out by Paypilipinas pursuant to such Instruction.
5.2.2 Without prejudice to the generality of Clause 5.2.1, Paypilipinas shall not be held liable for any losses, damages or claims arising from any delay, failure or inability on the part of Paypilipinas, for any reason whatsoever, to:
(i) act on any Instruction;
(ii) complete any required payment transaction pursuant to an Instruction received; or
(iii) convert the currency of any amount for the purposes of making payment or receiving funds pursuant to an Instruction received.
5.3 Currency Conversion
Singapore User acknowledges and agrees that the provision and use of Paypilipinas Services involves currency conversion of the funds in his Singapore Wallet, whether for purposes of making payment to PH Merchants, payment of Fees, refund of funds in his Singapore Wallet or otherwise, and that:
5.3.1 Singapore User shall bear all costs and risks of all such currency conversions of the funds in his Singapore Wallet;
5.3.2 Paypilipinas shall not, under any circumstances, be construed or dealt with as a supplier of foreign or any currency; and
5.3.3 while Paypilipinas shall use commercially reasonable endeavours to purchase the required currency or currencies from licensed operators or suppliers with the funds in Singapore User’s Singapore Wallet, Paypilipinas shall NOT be –
(i) obliged to disburse or make available its own funds for such purposes; nor
(ii) liable for any losses sustained on account of any inability, failure, delay or expense incurred in obtaining or seeking to obtain such currency conversions.
5.4 Paypilipinas Records
Save for manifest error, Paypilipinas’ records of transactions and status of the Singapore User Account, including without limitation, all Instructions and the amount of stored value held in the Singapore Wallet in any currency or currencies from time to time, shall be the conclusive record thereof and binding on Singapore User.
6 LIABILITY AND DISPUTES
6.1 Disclaimers and Limitations
6.1.1 Save for any express representations made by Paypilipinas in these Terms and Conditions, Paypilipinas expressly excludes and disclaims any and all representations and warranties, including without limitation warranties of merchantability, fitness for a particular purpose, accuracy, availability, non-infringement or implied warranties from course of dealing or usage of trade to the extent permissible by applicable law, in relation to the Paypilipinas Website, Paypilipinas Services and all related facilities.
6.1.2 Whilst Paypilipinas will use commercially reasonable endeavours to make the Paypilipinas Website accessible by Singapore User, Paypilipinas does warrant that the Paypilipinas Website will always be accessible, uninterrupted, timely, secure, error free or free from computer virus or other invasive or damaging code due to the inherent nature of the Internet.
6.1.3 Other than liability for personal injury or death caused directly by its negligence but without derogating from any exclusion or limitation elsewhere in these Terms and Conditions, Paypilipinas shall not under any circumstances be liable for any:
(i) special, consequential or incidental damages including but not limited to lost profits, lost business, lost opportunities or lost data howsoever arising;
(ii) loss/es arising from any theft of stored value or fraud, mischief, failure or breach of third parties, including any Payment Gateway over which Paypilipinas has no control, through any means whatsoever;
(iii) exposure of Singapore User to prohibited material or other undesired experiences through the use of the Paypilipinas Website; and/or
(iv) amount which exceeds the amount [of S$■■■][then standing to the credit of Singapore User in his Singapore Wallet] which shall be the maximum amount of Paypilipinas' total liability to Singapore User for all claims arising under these Terms and Conditions or in connection with any subject matter under these Terms and Conditions, including the Paypilipinas Website, Paypilipinas Services and/or Singapore User’s Singapore Wallet, whether such claim is based in contract, tort or otherwise.
6.2 PH Merchants
6.2.1 Paypilipinas shall not be responsible in any way for:
(i) any goods or services supplied to or ordered, purchased or paid for by Singapore User from any PH Merchant notwithstanding Paypilipinas' provision of Paypilipinas Services in connection therewith or Paypilipinas' remittance of payment/s to such PH Merchant on behalf of Singapore User; or
(ii) any dispute/s or claim/s relating to any such goods or services supplied or other performance, failure or delay by any PH Merchant.
6.2.2 Singapore User agrees that he shall not involve Paypilipinas in any way in any matter relating to any claim or dispute with any PH Merchant and shall look to and settle the same directly with the PH Merchant without recourse to Paypilipinas.
6.2.3 Singapore User agrees that Paypilipinas will not under any circumstances be considered as:
(i) having endorsed, recommended or approved any PH Merchant and Singapore User shall make his own assessment and judgment in transacting with such PH Merchant; nor
(ii) an agent or representative of any PH Merchant nor of Singapore User or vice versa.
6.3 Complaints and Disputes
6.3.1 Singapore User is responsible for monitoring all transactions under his Singapore User Account and shall report to Paypilipinas as provided below, any apparent error in relation to his Singapore User Account within 30 days of such error having been made, failing which Paypilipinas may not be able to rectify the same.
6.3.2 If Singapore User wishes to make a complaint or report any error in relation to his Singapore User Account, Singapore User shall submit the complaint to Paypilipinas in the manner provided for this in the FAQs.
6.3.3 Following Paypilipinas’ receipt of such complaint or reported error:
(i) Paypilipinas shall undertake an investigation of the same, in relation to which Singapore User agrees to provide his cooperation and at the conclusion of which, Paypilipinas shall notify Singapore User of the outcome of such investigation;
(ii) if Singapore User further disputes the said outcome as notified by Paypilipinas -
(a) Singapore User shall notify Paypilipinas of the substantiated reason/s for his dispute; and
(b) Paypilipinas shall thereafter undertake a further investigation to resolve the dispute, having reference to Clause 5.4.
6.3.4 Paypilipinas reserves the right to correct the amount of stored value in Singapore User’s Singapore Wallet following any investigation/s of any error, whether or not reported by Singapore User, and save for manifest error, determination by Paypilipinas on the rectification of such error, shall be final and binding on Singapore User.
6.4 Claim in Winding Up
Notwithstanding anything in these Terms and Conditions, in the event of the winding up or liquidation of Paypilipinas, Singapore User shall be entitled to a claim in the amount of stored value in his Singapore Wallet as of the date of the petition or resolution for such winding up or liquidation.
7 TERMINATION AND SUSPENSION
7.1 Termination
7.1.1 Subject to these Terms and Conditions, the agreement under these Terms and Conditions and the use and provision of Paypilipinas Services may be terminated by either party giving the other 14 days' prior written notice thereof without giving any reason.
7.1.2 Paypilipinas reserves the right to immediately terminate Paypilipinas Services and/or the agreement under these Terms and Conditions with or without notice to Singapore User in the event:
(i) of any breach of these Terms and Conditions by Singapore User; or
(ii) Singapore User is found to be involved in any illegal or fraudulent activity using his Singapore User Account or the funds from his Singapore Wallet.
7.1.3 Following termination as aforesaid and unless already requested by Singapore User, Paypilipinas shall initiate a refund to Singapore User of the balance unused amount of stored value in his Singapore Wallet in accordance with Clause 4.4.
7.2 Suspension
Without prejudice to the above rights of termination, Singapore User acknowledges and agrees that Paypilipinas may, at its discretion, with or without prior notice to Singapore User, at any time temporarily suspend the accessibility of the Singapore User Account, the operations of the Paypilipinas Website or the availability of Paypilipinas Services or any part thereof in the following circumstances:
7.2.1 where Paypilipinas is or becomes aware or suspicious that any illegal or fraudulent activity has been or is being or may be carried out using the Singapore User Account, Singapore Wallet, Paypilipinas Services, Paypilipinas Website or any part thereof;
7.2.2 for the purpose of carrying out scheduled or unscheduled maintenance, upgrading, repair, bug-fixing, troubleshooting or other works in relation to the Paypilipinas Website and/or the computer and other systems supporting the Paypilipinas Website; and/or
7.2.3 in the event of any breakdown, failure, interruption, fault, defect or outage of any system, network, electrical supply or other facilities on which the operation of the Paypilipinas Website and/or performance of Paypilipinas Services is or are dependent.
7.3 Consequences
Singapore User agrees that Paypilipinas shall not be liable nor responsible for any loss, damage or liability suffered as a result of any termination or suspension of the accessibility of the Singapore User Account, the operations of the Paypilipinas Website or the availability of Paypilipinas Services or any part thereof.
8 CONFIDENTIALITY AND INTELLECTUAL PROPERTY RIGHTS
8.1
All information that Singapore User may obtain from or through the Paypilipinas Website in connection with or in the course of his use of the Paypilipinas Services, whether intended or by accident, shall be kept confidential and Singapore User shall not disclose such information or use the same other than as obviously contemplated under these Terms and Conditions or with Paypilipinas’ express written consent.
8.2 Singapore User acknowledges and undertakes:
8.2.1 that the copyright, trade marks and other intellectual property rights comprised in the information, text, graphics, designs, scripts, software, technology, music, sound, photographs or any other materials or works used on, contained in or used in connection with the Paypilipinas Website and Paypilipinas Services (collectively "the Materials") are the sole and exclusive property of Paypilipinas and/or its licensors; and
8.2.2 not to challenge, dispute or question such sole and exclusive property in the Materials;
8.2.3 that Singapore User shall not, without Paypilipinas’ prior written consent –
(i) reproduce, copy, reverse compile, adapt, modify, distribute, commercially exploit, display, broadcast, hyperlink or transmit in any manner or by any means or store in an information retrieval system any part of the Paypilipinas Website or the Materials; or
(ii) create derivative works from the Materials or create any hyperlink of any sort or manner to or from the Paypilipinas Website from or to any other website or use any part of the Materials contained at the Paypilipinas Website on any other server.
9 PRIVACY POLICY
9.1
The terms of the privacy policy adopted by Paypilipinas are set out separately at this Paypilipinas Website, which form and shall be read as part of these Terms and Conditions.
10 GENERAL
10.1 Governing Law
10.1.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of Singapore. Singapore User irrevocably submits to the non-exclusive jurisdiction of the courts of Singapore with respect to any claim or dispute concerning these Terms and Conditions or arising from his use of the Paypilipinas Website, Paypilipinas Services or his Singapore User Account or Singapore Wallet.
10.1.2 Singapore User shall not commence or continue any legal proceedings against Paypilipinas in any jurisdiction other than in Singapore with respect to any matter, claim or dispute.
10.2 Force Majeure
Paypilipinas will not be responsible or liable for any delay in or failure to perform any of its obligations as a result of any cause beyond its control, including any act of God; civil or ethnic unrest, shortage of material, industrial dispute, power failures, laws and regulations, prohibitions or measures of any kind on the part of any governmental, parliamentary or local authority, import or export regulations or embargoes, severance or suspension of use of communication lines or facilities for reasons attributable to third party telecommunication carriers or any act, default, delay or failure of any telecommunications network operator or other service provider.
10.3 Amendments to Terms and Conditions
Any amendments to these Terms and Conditions will be posted and reflected at this Paypilipinas Website from time to time at least 14 days before they become effective. It is Singapore User’s responsibility to update himself of the same periodically. Singapore User shall be deemed to have accepted the terms or amendments if he continues the use of the Paypilipinas Services after the amendments become effective.
10.4 Severability and Exhaustive Statement
10.4.1 If any provision in these Terms and Conditions is held invalid, unenforceable or illegal under any applicable laws for any reason, that provision shall be deemed to deleted and shall not affect the validity, enforceability or legality of the other provisions which shall continue in full force and effect.
10.4.2 Subject to Clause 10.4.2, these Terms and Conditions (including any and all documents expressly incorporated herein by reference thereto) shall be the complete and exhaustive statement of the agreement between Singapore User and Paypilipinas on the subject matter of these Terms and Conditions.
10.5 Non-Waiver
Any failure on the part of Paypilipinas to act in respect of any breach by Singapore User shall not be deemed to be a waiver of its rights in respect of such breach or any other breach by Singapore User, which may only be waived by express written agreement of Paypilipinas.
10.6 Notices
Any notice, demand or notification may be sent to the applicable address as stated in this Paypilipinas Website if to Paypilipinas, or as stated in the application to register his Singapore User Account, if to Singapore User, and in either case by:
10.6.1 electronic mail, in which case it shall be deemed to have been transmitted at the date and time of transmission by the mail server used by the sending party, unless the sending party has been notified that there was a failure in delivery or the mail is returned; and/or
10.6.2 postage prepaid mail, in which case it shall be effective and be deemed to be received on the business day next following the date of posting, or hand delivery, in which case it shall be effective at the time of delivery.
“PAYPILIPINAS” PRIVACY POLICY
The terms of this privacy policy form a part of and are in addition to the “PAYPILIPINAS” USER TERMS AND CONDITIONS (SINGAPORE) (“Terms and Conditions”) which govern the use and provision of Paypilipinas Services. It sets out the practices of Paypilipinas in the collection and use of information provided by Singapore User in conjunction with his use of Paypilipinas Services ("User Information"). Capitalised terms used in this privacy policy are as defined in the Terms and Conditions.
By providing User Information and using Paypilipinas Services, Singapore User consents to the collection and use of User Information in the manner set out in this privacy policy.
Restricted Purpose of Use
Paypilipinas shall not use User Information or disclose User Information to any third party, except in circumstances where User Information is required:
  • to provide, operate, administer and/or monitor the Paypilipinas Website, Paypilipinas Services, the Singapore User Account and/or the Singapore Wallet, including to verify the accuracy of User Information;
  • by those of Paypilipinas' suppliers or service providers who agree to keep the User Information confidential, to the extent that they need such User Information to provide their services to Paypilipinas and/or Singapore User so as to facilitate the provision of Paypilipinas Services to Singapore User;
  • to undertake debt tracing or to fraud prevention agencies so that User Information may be made available to other organisations to help prevent fraud or to trace debtors;
  • to be given to any person to whom Paypilipinas transfers its rights and/or duties under the Terms and Conditions, and to their insurers, agents, sub-contractors and suppliers (on a strictly need-to-know basis) in advance or after such transfer;
  • to be so disclosed at Singapore User's request or where Paypilipinas has obtained the Singapore User's consent;
  • for the purpose of seeking insurance coverage or advice and counsel from such insurers or professional advisers as are under a duty of confidentiality with respect to User Information;
  • to track the pattern of Singapore User's activities or to analyse market trends and preferences, whether for Paypilipinas' internal use or for third parties in a manner which does not personally identify Singapore User;
  • to send to Singapore User promotional or other materials which Paypilipinas believes may be of interest to him (unless notified otherwise by e-mail by Singapore User that he does not wish to receive the same); and
  • for the purposes of complying with any provision of any law, bye-law, rule or regulation or otherwise pursuant to any order, judgment or direction of any court or governmental or quasi-governmental authority.
No Trading
Other than use of User Information as described above, Paypilipinas will not trade in, deal with or exchange any User Information for money or money's worth or otherwise.
Applicability of Other Policies or Practices
To the extent that Singapore User makes available User Information to other parties as stated above, whether on the Paypilipinas Website or other websites, the practices of such other parties or sites will apply. The policies or practices of these third parties may differ from the practices as stated in this policy. Singapore User agrees not to hold Paypilipinas responsible or liable in any way for the collection or use of User Information by such third parties.
Amendment to Policy
Paypilipinas will post any changes to this privacy policy at the Paypilipinas Website so that Singapore User may be kept aware of the manner and circumstances in which User Information is used at all times.