This Cardholder Agreement constitutes a legal agreement between you (“User”), [WaWorld Management Sdn. Bhd.] (Company Registration No.: 202001013916 (1370236-K)) (“Partner”), and Fass Payment Solutions Sdn. Bhd. (Company Registration No.: 201201032773 (1017261-P)) (“Fasspay”), and contains terms and conditions governing the use of the [WAWORLD VISA] (which may include but are not limited to provisions in respect of the Financial Services Act 2013 (FSA), Unclaimed Moneys Act 1965 (UMA) and provisions of the Anti-Money Laundering and Counter Financing of Terrorism Act 2001) which are binding on you.

(The Partner and Fasspay shall be referred to collectively in this Cardholder Agreement as the “ Parties”.)

“[WAWORLD VISA]” means the Visa prepaid card issued to you by WaWorld, which can be used worldwide wherever a Visa is accepted, subject to the terms and conditions of this Cardholder Agreement.

By using the WAWORLD VISA PREPAID CARD & E-WALLET mobile application supplied to you by WaWorld (“ App” or “ Application”), applying for [WAWORLD VISA] via the Application, and downloading, installing or using any associated software or platform provided and/or supplied by Fasspay (“ Software”), you hereby expressly acknowledge and agree to be bound by this Cardholder Agreement, the Terms of Use contained in the Terms And Conditions for Users of WAWORLD VISA PREPAID CARD & E-WALLET entered into between you, the Partner and Fasspay on [March 2021], the Privacy Policy and the Product Disclosure Sheet for [WAWORLD VISA]. You are aware and agree that WaWorld may, at its sole discretion, from time to time and at any time, update or revise the terms and conditions stipulated in this Cardholder Agreement, the Terms of Use, the Privacy Policy and the Product Disclosure Sheet published at http://wa.international or through the Application, and you unconditionally and irrevocably agree and accept to be bound thereby.

When you use the Application, the Terms of Use shall apply in addition to and not in substitution for any term and condition contained in this Cardholder Agreement.

1. APPLYING FOR [WAWORLD VISA]

   1. You shall apply for [WAWORLD VISA] via your Application.
   2. [WAWORLD VISA] comes with a maximum wallet limit approved by us for you and is subject to the requisite Customer Due Diligence (CDD) and Know-Your-Customer (KYC) verification and approval by Fasspay.
   3. WaWorld reserves the right to not proceed with your [WAWORLD VISA] application and/or any [WAWORLD VISA] transaction if WaWorld suspects or has been informed by any party or authority that you are or may be involved in money laundering, terrorism financing, fraudulent or illegal activities, or if WaWorld ascertains that you are any of the following:
      1. from a high risk country;
      2. blacklisted by WaWorld or any financial institution or credit reporting agency; or
      3. included under any relevant money laundering and terrorism financing information source, global lists or databases and information provided by local or foreign authorities.
      WaWorld further reserves the right to suspend, block and/or terminate your [WAWORLD VISA] and/or any transaction, if the same has or have already been processed or approved, at its sole and absolute discretion.
   4. Notwithstanding the foregoing provisions, WaWorld reserves the right to reject any [WAWORLD VISA] application and/or to decline to issue [WAWORLD VISA] at its sole and absolute discretion without having to assign any reason whatsoever. You agree that any and all decisions made by WaWorld, shall be final and conclusive.
   5. [WAWORLD VISA] is a reloadable prepaid card and you acknowledge and agree that the value on [WAWORLD VISA] is limited to the funds you have transferred or which have been transferred on your behalf into [WAWORLD VISA]. Your funds deposited with WaWorld through your Application account shall not accumulate interest nor any sort of earnings.

2. USE OF [WAWORLD VISA]

   1. You are solely and fully responsible for all transactions performed using your [WAWORLD VISA] and you shall use your [WAWORLD VISA] strictly in accordance with the terms and conditions of this Cardholder Agreement.
   2. All [WAWORLD VISA] are issued with contactless functionality. Once your [WAWORLD VISA] is activated and you have topped-up your [WAWORLD VISA] with sufficient funds, you may use your [WAWORLD VISA] to purchase goods and services worldwide anywhere a Visa card is accepted and also to access cash at ATMs or financial institutions displaying the Visa name and/or logo. Contactless payment allows you to pay amounts up to RM250.00 (Ringgit Malaysia Two Hundred Fifty) only per transaction without entering your PIN on applicable contactless readers. You hereby authorise WaWorld to deduct your funds from your [WAWORLD VISA] every time you use your [WAWORLD VISA] to purchase goods or services.
   3. You may use your [WAWORLD VISA] for e-commerce transactions to purchase goods and/or services and you shall be solely and fully responsible for the security of such use at all times. For all transactions processed via the two factor authentication mechanism or 3D secure, WaWorld shall not entertain any disputes from you with regard to the fact that you did not authorise or participate in the transaction nor will you be able to raise a chargeback claim for such transactions which have been processed under the two factor authentication or 3D secure mechanism. In such cases of two factor authentication or 3D secure transactions, WaWorld will only allow chargeback due to no authorization, processing errors, service not rendered and other card acceptance violations as stipulated in the Visa chargeback rules.
   4. You may use your [WAWORLD VISA] to obtain cash withdrawals from any Automated Teller Machine ("ATM") under the Visa payment network, in which case you must use your 6-digit PIN to effect such cash withdrawals. The use of your [WAWORLD VISA] to obtain a cash withdrawal shall be deemed to constitute your agreement to pay all applicable fees and/or charges as prescribed from time to time. You cannot make ATM withdrawals in excess of the limits set by the respective ATM networks.
   5. You may use your [WAWORLD VISA] for pre-authorization, where an amount from your [WAWORLD VISA] will be automatically pre-book and reserved for certain transactions including but not limited to petrol, hotel or parking. Any excess pre-booked amount will automatically be released and made available for use by you once the acquiring bank claims for the actual purchase value.
   6. If a transaction is made in a foreign currency, Visa will convert the transaction into Ringgit Malaysia equivalent at the conversion rate as determined by Visa as at the date it is processed by Visa after merchant settlement. You will also be required to pay applicable fees and/or charges as shall be determined by WaWorld.
   7. WaWorld reserves the right to suspend, revoke and/or block any top-ups to your [WAWORLD VISA] if WaWorld suspects or has been informed by any party or authority that you are using [WAWORLD VISA] to conduct transactions for illegal purposes, and WaWorld shall be entitled to cancel or block the transaction and/or block, suspend and/or terminate your [WAWORLD VISA] without any liability to you howsoever.
   8. If you allow another person to have access to your [WAWORLD VISA], WaWorld shall deem such access to have been authorised by you and you agree to be solely and fully liable for any and all activities and/or transactions performed by the person.
   9. You agree that you are the sole and rightful owner of any and all funds you apply towards a top-up on or transfer of funds to your [WAWORLDVISA], and that the top-up sources for loading of your [WAWORLD VISA] shall be from your personal source of funds. You may not use any funding source for which you do not have authority to use for top-up or reload of the [WAWORLD VISA].

3. FEES AND CHARGES

   1. Please always check the Product Disclosure Sheet published at http://wa.international or through your Application for full details of the latest fees and charges applicable to [WAWORLD VISA].
   2. You agree and undertake to pay all fees arising out of and in connection with the use of your [WAWORLD VISA] pursuant to this Cardholder Agreement, which may include but not limited to, joining fee, account service fee, cross border transaction fee, ATM withdrawal fee for local and overseas, replacement card fee, sales draft retrieval fee, charges for transfer of funds, and such other fees and charges in relation to [WAWORLD VISA] as may be prescribed by WaWorld from time to time. WaWorld reserves the right to revise such fees which may be offered by WaWorld from time to time.
   3. You agree that all fees paid to and in connection with the [WAWORLD VISA] to WaWorld are non-refundable under any circumstance whatsoever.

4. DELIVERY AND ACTIVATION OF [WAWORLD VISA]

   1. Once your CDD and KYC have been approved by WaWorld, your [WAWORLD VISA] will be delivered to you within fourteen (14) working days. Please ensure that you have provided the current and correct mailing address in your application details to avoid your [WAWORLD VISA] being sent to the wrong address.
   2. You must have a mailing address in Malaysia to enable WaWorld to process and approve your application. Mailing addresses outside of Malaysia will be rejected and WaWorld will not process or approve such applications. WaWorld shall not be responsible if you have not received your [WAWORLD VISA] if it is delivered to a wrong address due to erroneous, incomplete or not up-to-date details provided to WaWorld.
   3. You agree that you must sign the back of the [WAWORLD VISA] immediately upon receipt. You must activate your [WAWORLD VISA] in WAWORLD VISA PREPAID CARD & E-WALLET mobile application first before you can use it to perform any transactions.

5. VALIDITY OF [WAWORLD VISA]

   1. [WAWORLD VISA] is valid through the expiration date shown on the front of the [WAWORLD VISA]. You may request for the renewal of your [WAWORLD VISA] upon the expiry period, however the renewal of a new [WAWORLD VISA] shall be at WaWorld’s sole discretion.
   2. If there is balance of funds remaining upon the expiration of your [WAWORLD VISA] and you decide to renew your [WAWORLD VISA] (subject to our approval), then the balance of funds will be transferred to your new [WAWORLD VISA].

6. SECURITY AND LOSS, STOLEN OR UNAUTHORIZED USE OF [WAWORLD VISA]

   1. You shall take all necessary steps to ensure and you agree to keep your PIN strictly confidential and secured, and you shall never disclose your PIN to any person under any circumstances or by any means whatsoever. Failure to comply with this requirement may expose you to the consequences of theft and/or unauthorised use of your [WAWORLD VISA], for which the Parties shall not in any way be responsible or liable to you.
   2. You shall notify the Parties immediately and in any event no later than 14 days after finding out that your [WAWORLD VISA] is lost or stolen, or your PIN number or any codes, usernames and passwords have been compromised, or if you suspect that an unauthorised transaction has been conducted on your [WAWORLD VISA] in order for the Parties to block your Application account and/or [WAWORLD VISA]. You may notify WaWorld by calling WaWorld’s Customer Service followed by a written confirmation via email. WaWorld may also require you to lodge a police report of such loss, theft or disclosure and provide a copy of the police report and any other information for WaWorld to proceed with its investigation. WaWorld reserves the right not to entertain any claim of lost or stolen [WAWORLD VISA] if the information provided by you is deemed incomplete.
   3. WaWorld may, at its sole and absolute discretion, resolve that your liability be limited to RM250 provided you are not found to be negligent or have not acted fraudulently.

7. TERMINATION

   1. In the event your Application account is terminated in accordance with Clause 5.1 of the Terms of Use, or you choose not to renew your [WAWORLD VISA] or cancel your [WAWORLD VISA] by providing WaWorld a written notice or email notification, the balance of funds remaining in your [WAWORLD VISA] account will be refunded to you within [30 days] days after WaWorld has confirmed receipt of your request for termination or cancellation.
   2. Any and all balance of funds shall be refunded by Fasspay in Ringgit Malaysia (RM) only.
   3. Either WaWorld, the Partner or you may terminate this Cardholder Agreement with [30 day’s notice in writing to the other.
   4. You hereby agree that WaWorld, at its sole and absolute discretion without having to give any prior notice, may suspend, block, revoke and/or terminate your [WAWORLD VISA], and that such suspension, blocking, revocation and/or termination may lead to termination of this Cardholder Agreement by WaWorld, in the event of the following:
      1. you have furnished false or misleading personal details and/or any other information, data or documents to the Parties;
      2. the Parties noticed irregular, suspicious or unauthorised activity on your [WAWORLD VISA];
      3. WaWorld suspects or has been informed by any party or authority that you are or may be involved in money laundering, terrorism financing, fraudulent or illegal activities;
      4. you are declared bankrupt, insolvent or enter into liquidation or such other scheme of arrangement or administration;
      5. you are found to be in default of your debt obligations to a licensed financial institution by the Malaysian Courts;
      6. you are deceased; and
      7. you are found to be in breach of any of the terms and conditions in this Cardholder Agreement, the Terms of Use and the Privacy Policy.
      In the event of the above, WaWorld reserves the right not to refund any balance of funds remaining in your [WAWORLD VISA] account and WaWorld shall be entitled to retain the same at its sole discretion and/or as may be required by the relevant governing authorities. WaWorld further reserves the right to take any action against you as may be deemed necessary or required under the relevant governing laws or by the relevant governing authorities.

8. AMENDMENTS

   1. WaWorld may, at its sole discretion, from time to time and at any time, update or revise the terms and conditions stipulated in this Cardholder Agreement, the Privacy Policy and the Product Disclosure Sheet for [WAWORLD VISA]. By your continuous use of [WAWORLD VISA], you are deemed to have read and agree to any of such amendment, revision, variation, modification or update to the terms and conditions stipulated in this Cardholder Agreement, the Privacy Policy and the Product Disclosure Sheet for [WAWORLD VISA]. You should check http://wa.international or through the Application, if you wish to read the latest terms and conditions.
   2. The Parties will give you at least 21 days prior notice through email before any variation of the terms and conditions.

9. REPRESENTATIONS AND WARRANTIES

   1. You unconditionally and irrevocably represent and warrant to the Parties the following:
      1. you shall comply strictly with all applicable laws in Malaysia or otherwise in the country, state or city in which you are present whilst using [WAWORLD VISA]; and
      2. this Cardholder Agreement constitutes a legal, valid and binding obligation and is enforceable against you in accordance with its terms and conditions.
   2. By using [WAWORLD VISA], you unconditionally and irrevocably agree to the following:
      1. you shall use [WAWORLD VISA] only for lawful purposes;
      2. you shall use [WAWORLD VISA] only for the purpose for which it is intended by the Parties to be used;
      3. you shall not provide any false, inaccurate or misleading information or refuse to cooperate in any investigation or refuse to provide confirmation of your identity or any information requested by the Parties;
      4. you shall not use [WAWORLD VISA] for any improper or illegal purpose, including but not limited to, money laundering, terrorism financing, unlawful activities, illegal on-line gambling, illegal purchase of controlled substances or prescription medication, purchase of firearms or explosives, fraud, prostitution or child-trafficking or financial support of terrorists or terror-supporting organizations; and
      5. you shall not transfer your [WAWORLD VISA] to any party
      You unconditionally and irrevocably acknowledge and agree that should you breach any of the abovementioned, WaWorld shall be entitled, at its sole and absolute discretion, to terminate any transaction undertaken by you (if already undertaken) whereby there will be no refunds of the transaction amounts or any applicable fees being refunded to you, and to take further and appropriate action against you in accordance with Clause 7.4 of this Cardholder Agreement, without any liability to you howsoever.

10. INTELLECTUAL PROPERTY RIGHTS

    1. WaWorld and its affiliates, where applicable, shall own all right, title and interest, including all related intellectual property rights, in and to [WAWORLD VISA] and by extension, any and all suggestions, ideas, enhancement requests, feedback, recommendations or other information provided by you or any other party relating to the use of [WAWORLD VISA].
    2. This Cardholder Agreement does not constitute a sale agreement and do not convey to you any rights of ownership in or related to [WAWORLD VISA] or any intellectual property rights owned by WaWorld.
    3. WaWorld’s name, WaWorld’s logo, and [WAWORLD VISA] are trademarks of WaWorld and/or its affiliates, and no right or license is granted to use them.
    4. For the avoidance of doubt, the term “[WAWORLD VISA]” herein shall include its respective components, processes and design in its entirety.

11. LIMITATION OF LIABILITY AND DISCLAIMERS

    1. The Parties make no representation, warranty or guarantee as to the reliability, quality, suitability, availability, and/or completeness of [WAWORLD VISA].
    2. To the fullest extent permitted by law, the Parties shall not be liable for any and all actions, claims, liabilities, damages, compensations, demands, data losses, losses, costs, expenses and fees incurred (whether direct or consequential), suffered or sustained by you arising from or in connection with you use of [WAWORLD VISA].
    3. The Parties expressly disclaim, to the greatest extent permitted by law, any and all warranties, either express or implied, statutory or otherwise, including but not limited to, any warranties of merchantability or quality, non-infringement, and fitness for a particular purpose. [WAWORLD VISA] is provided to you on an “as is” basis. You irrevocably and unconditionally agree that your use of [WAWORLD VISA] is solely and fully at your own risk.

12. LIABILITY AND INDEMNITY

    1. You shall be and remain solely and fully liable and responsible for the proper and authorised use of [WAWORLD VISA].
    2. You agree and undertake to indemnify and hold harmless fully and effectively the Parties, their affiliates and their respective officers, directors, employees, contractors, agents, and suppliers from and against any and all actions, claims, liabilities, damages, compensations, demands, proceedings, judgments, awards, losses, costs, expenses and fees (including legal fees) arising from or contributed by the following:
    3. 1. use of your [WAWORLD VISA];
       2. use of your PIN;
       3. Visa’s or the merchant’s decision not to accept process, execute or settle any transaction conducted by you with your [WAWORLD VISA]; and
       4. your breach of this Cardholder Agreement, the Terms of Use and the Privacy Policy.

13. MISCELLANEOUS

    1. WaWorld’s failure to enforce any right or provision in this Cardholder Agreement shall not constitute a waiver of such right or provision unless agreed to by WaWorld in writing and shall not affect WaWorld’s right to enforce such right or provision.
    2. If any provision of this Cardholder Agreement is held to be void, invalid or unenforceable, such provision shall be severed and the remaining provisions of this Cardholder Agreement shall remain valid and shall be enforced to the fullest extent under law.
    3. This Cardholder Agreement shall be governed by and construed in accordance with the laws of Malaysia without regard to the choice or conflict of law provisions of any jurisdiction.
    4. No joint venture, partnership, employment or relationship between a principal and agent exists between you, the Parties or any third party merchant or provider as a result of this Cardholder Agreement.
    5. This Cardholder Agreement comprises the entire agreement between you and the Parties and supersedes all prior or contemporaneous negotiations or discussions, whether written or oral (if applicable) between you and the Parties in relation to the subject matter contained in this Cardholder Agreement.

Please read this Product Disclosure Sheet before applying for WAWORLD VISA PREPAID CARD & E-WALLET. Do also read the governing terms and conditions for WaWorld’s users, which is accessible by web link wa.international

1. What is WAWORLD VISA PREPAID CARD & E-WALLET?

   1. WAWORLD VISA PREPAID CARD & E-WALLET is provided by the Partner in collaboration with Fasspay. WAWORLD VISA PREPAID CARD & E-WALLET is an electronic wallet platform (“e-wallet”) operated by Fasspay that allows you to make in-App digital payments at product and service providers, merchants and agents’ point-of-sale terminals or readers lawfully accepting payments using WAWORLD VISA PREPAID CARD & E-WALLET, provided always that no payments in violation of the Terms of Use shall be permitted. You can further manage all your transaction and account balance via the WAWORLD VISA PREPAID CARD & E-WALLET mobile application.
      (Refer to https://www.bnm.gov.my/non-bank-e-money-issuers)

2. Terms of use of WAWORLD VISA PREPAID CARD & E-WALLET

   1. You are responsible for maintain the confidentiality of your login ID and password.
   2. You are required to ensure that there are sufficient funds in your WAWORLD VISA PREPAID CARD & E-WALLET, before performing any purchase or withdrawal transactions.
   3. Each WAWORLD VISA PREPAID CARD & E-WALLET, has a maximum Wallet Limit as approved by WaWorld. Your e-wallet usage and top-up is limited to the maximum Wallet Limit allowed for your e-wallet. You cannot top-up your e-wallet in excess of the maximum Wallet Limit which has been stipulated and approved by WAWORLD VISA PREPAID CARD & E-WALLET, for your e-wallet.
   4. You are also responsible for ensuring that payments or purchases performed from the e-wallet are correct and you must check your transaction history from time to time.
   5. You are required to notify WAWORLD VISA PREPAID CARD & E-WALLET, of any transaction that is not performed by you or any transaction that you wish to raise as a dispute, within one month of the transaction.
   6. You are also responsible for ensuring that the e-wallet issued to you is not used as an instrument of payment for any illegal or unlawful transactions, including without limitation, money laundering and/or terrorist financing. You must only use the e-wallet strictly in accordance with the terms and conditions governing the e-wallet.

3. Fees and charges

   Description	Fees charged
   Withdrawal Fee	RM 2.00
   Dormant Fee	RM 5.00
   Reload Channels	Per Transaction Basis
   FPX	free of charge
   Debit Card	free of charge
   Credit Card	free of charge
   Fasspay’s Card Reload Agent	RM 1.00

   Note: All fees and charges shall be subjected to the applicable tax including but not limited to the Sales and Service Tax (SST).

4. What are the key terms & conditions

   1. WAWORLD VISA PREPAID CARD & E-WALLET mobile application is available on Apple iOS and Android. The Mobile App comes with touch ID and passcode security.
   2. You are required to provide personal identification documents and any other documents that may be required by WaWorld from time to time.
   3. WAWORLD VISA PREPAID CARD & E-WALLET is non-transferable and shall only be used exclusively by you as the e-wallet user
   4. WaWorld shall not be responsible or held liable for any disputes (or loss) in relation to any excess funds if you attempt, have attempted or actually topped-up in excess of the maximum Card/Wallet Limit, and WaWorld reserve the right to take any action that WaWorld may deem necessary, including blocking, suspending and/or terminating and cancelling your e-wallet if WaWorld finds that you have persistently attempted to do so, despite the Card/Wallet Limits stipulated for the e-wallet. Note that even if you have topped up your Wallet Account in excess of the Card/Wallet Limit, you can still only transact and use the e-wallet up to the maximum of the Card/Wallet Limit that WaWorld have approved for you.
   5. In the event of any disputes, you agree and are obliged to settle all disputes directly with the transaction merchant who honored your e-wallet and you shall pay us all amounts required under the terms and conditions governing the e-wallet despite such disputes.
   6. Upon termination (whether by WaWorld or you) of your WAWORLD VISA PREPAID CARD & E-WALLET, the balance of funds on the e-Wallet Account (if any) shall be (subject to approval by WaWorld) refunded to you (less any applicable fees and charges) within thirty (30) business days from the said termination subject to confirmation provided to WaWorld by you of your valid and current mailing address. No refunds will be processed for e-wallet which have been blocked and/or terminated due to fraudulent or suspicious activity or for accounts dormant for a lengthy period of time with minimum balance.
   7. WaWorldvmay need to charge applicable fees to your WAWORLD VISA PREPAID CARD & E-WALLET, which have been in dormant status for a lengthy period of time or forfeit the (minimum) available funds therein.
   8. If WaWorld is unable to charge any applicable fees on the e-wallet due to the fact that there are no balance of funds on your Wallet Account for that particular month, then WaWorld reserve the right and shall be entitled to retrospectively charge those said applicable fees upon or once your Wallet Account has been topped up and has sufficient balance of funds.
   9. WaWorld may at any time vary, revise, change, amend, withdraw, substitute or remove any of the terms and conditions governing the use of the e-wallet. Any such amendment shall be effective twenty-one (21) days after the revised terms have been posted on our website.

5. What if I fail to fulfil my obligations?

   1. If you do not have sufficient funds in your Wallet Account to meet the value of your transaction, the transaction will be declined.
   2. If you fail to secure your login ID and password, you shall be financially liable for all transactions performed and debited from your Wallet Account.
   3. If you fail to notify WaWorld immediately in the event of loss or theft of your electronic device, you shall be financially liable for all transactions performed and debited from your Wallet Account prior to the notification.
   4. If you contravene, breach or fail to abide by any of the Terms and Conditions of the card/e-wallet, WaWorld shall be entitled to block, suspend, revoke and/or terminate your Card/Wallet Account.
   5. In addition to the events of default by you, the e-wallet user, WaWorld may at our sole absolute discretion, limit, block, suspend or terminate (without refunding any balance) your use of the Wallet Account if WaWorld detect any unusual, irregular, suspicious, fraudulent, or unauthorized activity on your Wallet Account; or suspect misuse of your Wallet Account; or there is a contravention; non-adherence or breach by you to any of the provisions of the terms and conditions governing the e-wallet.

6. What are the major risks?

   As indicated in the previous section, the major risks are as follows:

   1. Failure to secure your login ID and password at all times; and
   2. Failure to immediately notify WaWorld in the event of loss or theft of your electronic device.
      1. In both the above cases, you are financially liable for any transaction performed.
      2. When you use your e-wallet to perform an online transaction (that is, through Internet sites and portals) to purchase goods and services, you are fully liable for the transaction effected through the use of your account information and OTP.
      3. If you fail to notify WaWorld in writing of any errors, discrepancies or inaccuracies of your transaction within one month of the transaction, you may lose your right to dispute the transaction and the debit entry to your WAWORLD VISA PREPAID CARD & E-WALLET, in respect of this transaction shall be deemed final and conclusive.

7. What do I need to do if there are changes to my mobile number?

   It is very important for you to inform WaWorld of any changes to your mobile number to ensure that all correspondence reach you in a timely manner.

   This can be done by dropping us an email at [email protected] to update your contact details.

8. Where can I get further information?

   You can obtain further information as follows:

   Call WaWorld at +6 019 6581328 (9am-5pm daily, including weekdays, excluding weekends and public holidays)

   Email WaWorld at: [email protected]

   Visit our website: wa.international

Please read this Product Disclosure Sheet before applying for [WAWORLD VISA]. Do also read the governing terms and conditions for Fasspay’s users, which is accessible by web link https://wa.international/terms-and-condition.html

1. What is [WAWORLD VISA] Prepaid Card?

   [WAWORLD VISA] is reloadable prepaid card, which carries the VISA payment features and issued by Fass Payment Solutions Sdn. Bhd (Fasspay). You may apply for [WAWORLD VISA] by downloading WAWORLD VISA PREPAID CARD & E-WALLET mobile application and applying for the [WAWORLD VISA] within the mobile application. [WAWORLD VISA] comes with a maximum wallet limit approved by us for you and is subject to the requisite Customer Due Diligence (CDD) and Know-Your-Customer (KYC) verification and approval by Fasspay.

   All [WAWORLD VISA] are issued with contactless functionality and once your [WAWORLD VISA] is activated and, you may use [WAWORLD VISA] to purchase goods and services worldwide wherever a Visa card is accepted and also to access cash at ATMs displaying the Visa name and/or logo. Contactless Payment allows you to pay amounts up to RM250.00 (Ringgit Malaysia Two Hundred Fifty) only per transaction without entering your PIN on applicable contactless readers.

   The value on [WAWORLD VISA] is limited to the funds that you have transferred or have been transferred on your behalf. Your funds deposited with WaWorld through your WAWORLD VISA PREPAID CARD & E-WALLET account shall not accumulate interest nor any sort of earnings.

   (Refer to https://www.bnm.gov.my/non-bank-e-money-issuers)

2. Terms of Use

   1. You must only activate your [WAWORLDVISA] upon receipt via [WAWORLD VISA PREPAID CARD & E-WALLET mobile application.
   2. You are required to ensure that there are sufficient funds in your [WAWORLD VISA] before performing any purchase or cash withdrawal transactions.
   3. You may perform pre-authorisation transaction from your [WAWORLD VISA] for certain transactions such as petrol, hotel or parking. Where the pre-authorisation amount is applicable, the amount will then be reversed and the actual amount will be charged to your [WAWORLD VISA] upon settlement by merchants.
   4. In the case of petrol purchases at outdoor pump in petrol stations, you will be charged a pre-authorisation amount of RM 200 or such other prescribed amount from your [WAWORLD VISA]. Where the pre-authorisation amount is applicable, the amount will then be reversed, and the actual amount will be charged to your [WAWORLD VISA] upon settlement by merchants. Alternatively, you may pay at the petrol station cashier to avoid pre-authorisation amount holding.
   5. Each [WAWORLD VISA] has a maximum limit as approved by WaWorld. Your [WAWORLD VISA] usage and top-up is limited to the maximum limit allowed for your [WAWORLD VISA] . You cannot top-up your [WAWORLD VISA] in excess of the maximum limit which has been stipulated and approved by WaWorld for your Card.
   6. You are also responsible for ensuring that payments or purchases performed from the [WAWORLD VISA] are correct and you must check your transaction history from time to time.
   7. You must ensure that your [WAWORLD VISA] is kept in a safe place and that your [WAWORLD VISA]’s PIN is kept confidential at all times. It is not advisable to write down your PIN anywhere nor should you divulge your PIN to anyone. If you choose to write down your PIN (against our advice), you should ensure that the written PIN is always kept separate from your [WAWORLD VISA] .
   8. In the event of loss or theft of your Card or when you discover your PIN has been compromised in any way, you must immediately notify our Customer Service Help Desk, you must notify WaWorld of such compromise to your Card PIN number.
   9. You are required to notify WaWorld of any transaction that is not performed by you or any transaction that you wish to raise as a dispute, within one month of the transaction.
   10. You are also responsible for ensuring that the [WAWORLD VISA] issued to you is not used as an instrument of payment for any illegal or unlawful transactions, including without limitation, money laundering and/or terrorist financing. You must only use the [WAWORLD VISA] strictly in accordance with the terms and conditions governing the [WAWORLD VISA].

3. Fees and charges

   Description	Fees charged
   Joining Fee	RM 16.00
   Maintenance Fee	RM 2.00 per month
   ATM Withdrawal Fee	Local RM 2.00 per transaction	Overseas RM 10.00 per transaction, or 2% of withdrawal amount, whichever is higher.
   Visa Overseas Transaction Fees	The foreign exchange conversion rate determined by Visa International Ltd + 1% on the transaction amount
   Sales Draft Retrieval Fee	RM 15.00 per copy
   Card Replacement Fee	RM 12.00
   Reload Channels	Per Transaction Basis
   FPX	free of charge
   Debit Card	free of charge
   Credit Card	free of charge
   Fasspay’s Card Reload Agent	RM1.00

   Note: All fees and charges shall be subjected to the applicable tax including but not limited to the Sales and Service Tax (SST).

4. What are the key terms & conditions

   1. Apply for the [WAWORLD VISA] through WAWORLD VISA PREPAID CARD & E-WALLET mobile application. Available on Apple iOS and Android. WAWORLD VISA PREPAID CARD & E-WALLET comes with touch ID and passcode security.
   2. You are required to provide personal identification documents and any other documents that may be required by WaWorld from time to time.
   3. The [WAWORLD VISA] is non-transferable and shall only be used exclusively by you.
   4. [WAWORLD VISA] is valid through the expiration date shown on the front of the [FASSPAY VISA]. You may request for the renewal of [WAWORLD VISA] upon the expiry period, however the renewal of a new [WAWORLD VISA] shall be at WaWorld’s sole discretion.
   5. If there is a balance of funds remaining upon the expiration of [WAWORLD VISA] and you decide to renew your [WAWORLD VISA] (subject to our approval), then the balance of funds will be transferred to your new [WAWORLD VISA].
   6. Please read our Privacy Policy and the Cardholder Agreement) before you register for the [WAWORLDVISA]
   7. WaWorld shall not be responsible or held liable for any disputes (or loss) in relation to any excess funds if you attempt, have attempted or actually topped-up in excess of the maximum limit, and WaWorld reserve the right to take any action that WaWorld may deem necessary, including blocking, suspending and/or terminating and cancelling your [WAWORLD VISA] if Waworld finds that you have persistently attempted to do so, despite the limits stipulated for the [WAWORLD VISA]. Note that even if you have topped up your [WAWORLD VISA] in excess of the card limit, you can still only transact and use the [WAWORLD VISA] up to the maximum of the limit that Fasspay have approved for you.
   8. In the event of any disputes, you agree and are obliged to settle all disputes directly with the transaction merchant who honored your [WAWORLD VISA] and you shall pay us all amounts required under the terms and conditions governing the [WAWORLD VISA] despite such disputes.
   9. Upon termination (whether by WaWorld or you) of your Card, the balance of funds on the [WAWORLD VISA] (if any) shall be (subject to approval by WaWorld) recfunded to you (less any applicable fees and charges) within thirty (30) business days from the said termination subject to confirmation provided to Waworld by you of your valid and current mailing address. No refunds will be processed for Cards which have been blocked and/or terminated due to fraudulent or suspicious activity or for accounts dormant for a lengthy period of time with minimum balance.
   10. WaWorld may need to charge applicable fees to [WAWORLD VISA] accounts which have been in dormant status for a lengthy period of time or forfeit the (minimum) available funds therein.
   11. If WaWorld is unable to charge any applicable fees on the Card due to the fact that there are no balance of funds on your Card Account for that particular month, then WaWorld reserve the right and shall be entitled to retrospectively charge those said applicable fees upon or once your [WAWORLD VISA] has been topped up and has sufficient balance of funds.
   12. WaWorld may at any time vary, revise, change, amend, withdraw, substitute or remove any of the terms and conditions governing the use of the Card. Any such amendment shall be effective twenty-one (21) days after the revised terms have been posted on WaWorld Mobile App or our website.

5. What if I fail to fulfil my obligations?

   1. If you do not have sufficient funds in your [WAWORLD VISA] to meet the value of your transaction, the transaction will be declined.
   2. If you fail to secure your [WAWORLD VISA] and PIN, you shall be financially liable for all transactions performed and debited from your [WAWORLD VISA].
   3. If you fail to notify WaWorld immediately in the event of loss or theft of your [WAWORLD VISA], you shall be financially liable for all transactions performed and debited from your [WAWORLD VISA] prior to the notification.
   4. If you contravene, breach or fail to abide by any of the terms and conditions of the Cardholder Agreement, WaWorld shall be entitled to block, suspend, revoke and/or terminate your [WAWORLD VISA].
   5. In addition to the events of default by you, WaWorld may at our sole absolute discretion, limit, block, suspend or terminate (without refunding any balance) your use of the [WAWORLD VISA] if Waworld detect any unusual, irregular, suspicious, fraudulent, or unauthorized activity on your [WAWORLD VISA] or suspect misuse of your [WAWORLD VISA] ; or there is a contravention; non-adherence or breach by you to any of the provisions of the terms and conditions governing the [WAWORLD VISA].

6. What are the major risks?

   As indicated in the previous section, the major risks are as follows:
   1. Failure to secure your [WAWORLD VISA] and PIN at all times; and
   2. Failure to immediately notify WaWorld in the event of loss or theft of your [WAWORLD VISA]
      1. In both the above cases, you shall be liable for such unauthorized transactions until WaWorld receives written notification of the same. WaWorld may, at our absolute discretion, resolve that your liability be limited to RM250 provided you are not found to be negligent or have not acted fraudulently
      2. When you use your [WAWORLD VISA] to perform an online transaction to purchase goods and services, you are fully liable for the transaction effected through the use of your [WAWORLD VISA] information and OTP.
      3. If you fail to notify WaWorld in writing of any errors, discrepancies or inaccuracies of your [WAWORLD VISA] transaction within one month of the transaction, you may lose your right to dispute the transaction and the debit entry to your Card Account in respect of this transaction shall be deemed final and conclusive.

7. What do I need to do if there are changes to my mobile number?

   It is very important for you to inform WaWorld of any changes to your mobile number to ensure that all SMS messages reach you in a timely manner. If you are travelling outside of Malaysia, SMS messages will only reach you if you have subscribed to and activated International Roaming on your mobile phone.

   This can be done by dropping us an email at [email protected] to update your contact details.

8. Where can I get further information?

   You can obtain further information as follows: You can obtain further information as follows:

   • Call WaWorld at +6 019 6581328 (9am-5pm daily, including weekdays, excluding weekends and public holidays)
   • Email Fasspay at: [email protected]
   • Visit our website: wa.international