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1. Introduction

The Platform and the Services provided herein are made available by Debit Circles Sdn Bhd (Company Registration No.: 201801045959 (1307991-X)), carrying a brand name (“Vircle”), in collaboration with licensed Electronic Money issuer, Fass Payment Solutions Sdn. Bhd. (Company Registration No.: 201201032773 (1017261-P)) (“Fasspay”) to you at its sole and absolute discretion and by using the Services, you unconditionally:

(a) acknowledge that you have read and fully understood the Terms of Use as outlined in this document and agree to be bound by these Terms of Use (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); and

(b) consent to Vircle using and processing your personal information and data in accordance with Vircle’s Privacy Policy which can be found at


You are aware and agree that Vircle and Fasspay may, at its sole discretion, from time to time and at any time, update or revise the Terms of Use stipulated in this Agreement, the Privacy Policy and the Product Disclosure Sheet which can be found at

By registering and activating a Vircle account for yourself and your “Trusted Person(s)”, you are deemed to have read and accepted the terms of use as outlined in this agreement and related product disclosures, terms of use as contained in in this document.

2. Definitions

In this Agreement, unless the context requires otherwise, the following words and phrases shall have the meanings assigned to them:

“Account” means your Vircle Wallet account which is linked to the registered telephone number of your Mobile Device and which records, among others, the amount of E-Money available to you for your use.

“Application” or "App" means the mobile application named “Vircle” or such other name as may be determined by Vircle from time to time.

"Applicable Taxes" has the meaning prescribed to it in Clause 7.3.

"Authentication" or "Authenticate" means a confirmation sent by you to Vircle authorizing a particular transaction undertaken or transacted by you. Such authentication shall be in a manner stipulated or determined by Vircle from time to time, which will include, but is not limited to, keying in your PIN number.

"Available Balance" means the funds in the form of Electronic Money available in the User’s Wallet which can be used at any given time subject to the Wallet/Transaction Limit.

"Vircle" means Debit Circles Sdn Bhd and its affiliates.

"Charges" refers to charges, fees or subscriptions for the use of certain Services rendered through the App and is visible through the App -> Settings -> Fees and Charges.

"Electronic Money" or "E-Money" means money in digital form provided by Vircle in exchange for monies paid to Vircle and which may utilized by you for your own self or by your Trusted Person(s) to make payment, to cash out and/or to undertake such other transactions which may be stipulated by Vircle from time to time.

"FAQ" means frequently asked questions as made available on the Platform.

"Mobile Device" means a portable and wireless telecommunications device together with accessories including but not limited to smartphones and handheld tablets used by you to access and/or use of the Platform and the Services.

"Parties” or “we” or “us” or “our” refers to Vircle and Fasspay collectively.

"Password" means the User's secret word or phrase used to log into his/her Account on the App.

"PIN Number" refers to the unique personal identification number set by User during registration process to authorize or pre-authorize every payment made from the wallet.

"Platform" refers to Vircle's website, App or any other platforms that can be used to access the Service.

"Privacy Policy" Refers to the Vircle Privacy Policy which can be accessed at

"Services" means a service provided by Vircle via the Platform which enables you to perform the Transactions. This includes the provision of a Wallet account, a contactless school card, Vircle Visa and other services that may be introduced and announced by us from time to time.

"Terms of Use" means these terms, as may be amended from time to time.

"Top-Up" means the topping up of the E-Money into your Account.

"Transaction Limit" means the limit imposed on relevant Transaction in any one (1) calendar day as may be prescribed by Vircle.

"Transaction" has the meaning prescribed to it in Clause 3.7.

“Trusted Person(s)” refers to children, family members or friends of the User, collectively known as “Supplementary Account Users” who are registered onto the Platform by the User as a supplementary account user and for whom the User has agreed to allow sharing of the User’s E-Money balance for purpose of spending using payment methods approved by Vircle for a supplementary account user.

"User" or “you” or “your” refers to a user who has registered for an Account with Vircle as per Clause 3.1 in order to use the Services and to whom the E-Money will be issued.

“Vircle Spend Allowance” refers to spending approval established by the User to his/her Trusted Person(s) within the Vircle " My Family List", wherein the User may authorize the Child to spend a pre-determined amount of money from the User’s Wallet in line with any additional rules set out by the User, or as otherwise described in Clause 3.12.

"Vircle QR" shall have the meaning assigned in Clause 3.9.

“Vircle Visa” refers to Visa prepaid card issued to you by Fasspay upon successful and approved application, which can be used worldwide wherever a Visa is accepted, subject to the terms of use in this Agreement.

"Wallet" means the electronic wallet in which the User to store his/her E-Money and which allows the User to make Transactions.

"Wallet Limit" means the maximum amount of E-Money that can be stored in your Account at any point in time depending on the type of your Wallet as approved by Bank Negara Malaysia. Fasspay reserves the right to revise the Wallet Limit in accordance with any instructions/ regulations/ rules prescribed by Bank Negara Malaysia.

3. Use of Services

3.1 You will be required to create a Primary Account in order to use the Services on the Vircle Platform. You must be an Adult, 18 years and above to register for a Primary Account. For those under 18, an adult should create a Primary Account and register you as a Supplementary Account User (Trusted Person). This Account can be created by clicking the "Sign Up" option and following the instructions thereafter. In creating your Account, you may be required to provide some personal information as required by our licensing conditions and may be updated from time to time as required, including but not limited to:

(a) name as per your identity card/passport;

(b) NRIC/Passport number;

(c) mobile number; and

(d) other identification documentation as required.


3.2 We may extend a higher wallet size limit to user after verification and approval of completed requisite Customer Due Diligence (“CDD”) and electronic know your customer ("eKYC") process by user within the Vircle app. We reserve the right to not proceed with your application if We suspect 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 We ascertain that you are any of the following:

(a) from a high-risk country;

(b) blacklisted by Fasspay or any financial institution or credit reporting agency; or

(c) included under any relevant money laundering and terrorism financing information source, global lists or databases and information provided by local or foreign authorities; or

(d) breached any of our terms and conditions previously in another Vircle account which have been terminated by you.

(e) EKYC shall be mandatory for wallet upgrades and required to issue the Vircle Visa Card.


Notwithstanding the foregoing provisions, We reserve the right to reject any application at our sole and absolute discretion without having to assign any reason whatsoever. You agree that all decisions We make, shall be final and conclusive.

3.3 You represent and warrant that all information provided to us in the creation and maintenance of your Account and that of your Trusted Person(s) is true, up-to-date and complete. You further agree to provide us with true, up-to-date and complete information of yourself including all identification, verification or other documentation required by Us, Bank Negara Malaysia or other relevant authorities from time to time.

3.4 If you are below 18 years old, you must obtain consent from your parent(s) or legal guardian(s) prior to creating an Account. Your parent(s) or legal guardian(s) shall be responsible for:

(a) your access and use of the Platform and/or the Services;

(b) any charges associated with your use of the Services; and

(c) your compliance with these Terms of Use.


If you have not obtained consent from your parent(s) or legal guardian(s), you must cease accessing the Platform and using the Services.

3.5 You shall be personally liable and responsible for keeping secure your Account log-in details, Password, PIN Number and all other information relating to your Account and shall not share any details with other any other persons or third parties. You shall also make sure in the event you activate Application access for your Trusted Persons, such obligation shall be extended to include your Trusted Person.

3.6 You and your Trusted Persons agree not to hold us liable for any loss or damage arising from your failure to keep information as described in Clause 3.5 relating to your Account or payment card secure and confidential, or for any acts or omissions from your use of the Platform.

3.7 You and your Trusted Persons agree not to share One Time Password (OTP), accompanying payment card details or the User Transaction Pin to any other person or persons trusted or otherwise for any reason or purpose, not even to Us.

3.8 Through the Services made available to you via the Platform, you may perform the following transactions (“Transactions”):

(a) register for an Account;

(b) register third parties as “Trusted Persons”;

(c) add or remove Trusted Persons from your Vircle Family list and issue either a community card linked to a community (such as a school but not limited to) or a Vircle Visa Prepaid card.

(d) establish Spend approvals as further detailed in Clause 3.14 below;

(e) utilize Spend approvals allocated to you by other Vircle users;

(f) make payments to and receive payments from Vircle, third parties (School Card: participating merchants, Vircle Visa: retail and e-commerce merchants where Visa is accepted) and, where applicable, other Vircle users;

(g) top-up your Wallet;

(h) receive Electronic Money refund; and

(i) any other transactions as may be introduced and announced by us from time to time.


The Transactions above shall only be undertaken and/or transacted with E-Money.

3.9 The Services may allow you to purchase goods and/or services from participating merchants. Any transaction entered into between you and such participating merchants for goods and/or services offered by them shall be subject to the terms of use which may be stipulated by such third parties.

3.10 Such transactions shall be entered into at your own risk and you acknowledge and agree that we shall not have any responsibility and/or liability for the products and/or services offered by the participating merchants to you including but not limited to the delivery, quality (including any defects or deficiency in the products and/or services), safety or the fitness for purpose of the products and/or services purchased by you from such third parties. We shall not be responsible for the refusal of any participating merchant to honor or accept your purchases or payments made through the use of the Services. You further acknowledge and agree that you shall not initiate any legal proceedings against us for any claims you may have against such participating merchants or any other third parties.

3.11 Add Trusted Persons within the your Vircle My Family List by creating a profile of your Trusted Person in your App. In registering Trusted Persons onto the Platform, the User will be required to provide certain information relating to such person, including but not limited to, name, identification number, nationality and date of birth. The User may also be required to verify the Trusted Person’s identity by providing photos of the Trusted Person and/or photos of the Trusted Person’s identification card.

3.12 By registering the Trusted Person on the Platform, you warrant that all information provided thereto is true, up-to-date and complete and that you have obtained the consent of the Trusted Person prior to registering them onto the Platform. You further agree that you shall be responsible for all actions undertaken by the Trusted Person. For the avoidance of doubt, by registering a Trusted Person on the Platform, the Trusted Person will be provided limited access to the functionalities of the Platform and/or the Services upon User enabling Child Logins and the Spend allowance, which is utilised by the Trusted Persons via the School Card or Vircle Visa.

3.13 Establish spend approvals to your Trusted Person by using the “Transfer Money” function from your child page. Spending approvals can be established in any of the following formats:

(a) you may grant an approval to a Trusted Person to spend a pre-determined amount of E-Money from your Wallet at a time or a store that you have designated;

(b) you may grant an approval to your Trusted Person to receive one or more items to be paid by you at a specified time or merchant at a specific

E-Money value.


3.14 In using the App and the Services:

(a) you authorize the deduction of E-Money and/or funds from your Account and the deposit of E-Money and/or funds into your Account to carry out the relevant transactions initiated for you personally or transactions initiated by your Trusted Person in line with the Spend approvals you have established within the Platform;

(b) As the principal E-Money account holder, you will at all times be responsible and liable for all transactions transacted on your E-Money account, by yourself or by your approved Trusted Persons.

(c) your use of the Service is subject to the Wallet Limit and the Transaction Limit applicable to your Account. This qualification includes, but is not limited to, situations where you are restricted and/or prohibited from performing a Top-Up transaction where the total amount in your Account will exceed your Wallet Limit;

(d) you shall ensure that there is sufficient Available Balance in your Account to cover the total cost of the transaction undertaken on the Platform (including any taxes and other applicable fees or charges) failing which Vircle reserves the right to block, reject or decline the transaction (subject to subclause (e) below); and

(e) notwithstanding subclause (d) above, where a transaction is initiated by a Trusted Person in line with the Spend approval established by you but there is insufficient Available Balance in your Wallet, you authorize Vircle to automatically deduct any outstanding amount from your Vircle Wallet upon the next successful Top-Up.


3.15 By depositing E-money in your Account to be used to perform Transactions listed in Clause 3.8, you are aware that this shall not accumulate interest nor any sort of earnings.

3.16 Vircle does not make any warranty, representation and/or undertaking (expressly, impliedly or otherwise) that the App and any subsequent revisions, modifications, updates, upgrades or versions thereto is and would be compatible with your Mobile Device. It is your responsibility to ensure that the App is compatible with your Mobile Device at all times and you agree that Vircle shall not be liable in any manner whatsoever for any liability, loss, damages, cost and expense suffered and/or incurred by you due to the App being incompatible with your Mobile Device.

3.17 The record of all Transactions authenticated by PIN Number shall be binding and conclusive evidence of your Transactions. Any information, instructions and/or confirmation sent from the Mobile Device via the Account shall be deemed to have been issued by you notwithstanding that such information, instructions and/or confirmation may have been issued by a third party, whether authorised or otherwise, We shall deem that the Services has been accessed legitimately and the Transactions conducted shall be valid. We shall not entertain any request to reverse any wrongful Transactions Authenticated through the Transaction PIN Number and Mobile Device number registered for the Account. You shall be responsible for the use of your Account unless it can be established that such transactions were erroneously transacted due to negligence on our part.

3.18 You may opt out from the Service at any time by deleting your Account. You may delete your Account by sending an email to

4. Your Responsibility

4.1 You shall:

(a) keep your personal information, Password and PIN Number for your Account and Vircle Visa confidential at all times and shall take all necessary steps to prevent the disclosure of your Password and PIN Number;

(b) ensure that all information and data provided to Vircle including personal data are true, accurate, updated and complete at the time of provision and shall promptly update such information and data if there are any changes to the same. Vircle shall not be responsible and liable to you for any inaccurate or incomplete information/data provided to Vircle;

(c) ensure that all information and data provided to Vircle on behalf your Trusted Persons are accurate;

(d) ensure that before authorising any Spend approvals to your Trusted Persons, you have selected the correct Trusted Person from the Vircle My Family list and identified the correct amount/rules;

(e) comply with all notices or instructions given by Vircle from time to time in relation to the use of the Mobile Device to access the App and the Service;

(f) be responsible for all equipment necessary to use the Service and App, and also for the security and integrity of all information and data transmitted, disclosed and/or obtained through the use of the Service and Platform;

(g) be responsible for all payment of the fees, charges, taxes and duties for using the Services including but not limited all fees, charges, taxes and duties applicable for the purchase of products and/or services from Vircle or third parties in a timely manner;

(h) be fully responsible for any and all data transmitted or broadcasted from your Mobile Device whether by you or any other person using your Mobile Device;

(i) comply with all applicable laws of Malaysia relating to the Services, including the Communication and Multimedia Act 1998, Financial Services Act 2012, Anti Money Laundering Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 and their respective subsidiary legislation, as may be amended from time to time;

(j) take all reasonable steps to prevent fraudulent, improper or illegal use of the Service;

(k) brief your Trusted Persons on the correct and safe use of the services offered by Vircle, including (but not limited to) safe guarding of VISA card pin and card safety matters.

(l) report immediately to Vircle upon the discovery of any fraud, theft, loss, unauthorised usage or any other occurrence of unlawful acts in relation to the Mobile Device and its use and you further agree to lodge a police report in relation to the same whenever required by Vircle and to provide Vircle a certified copy of such report;

(m) download and install the official App from the Google Playstore or Apple iOS store. Any downloads and installation outside from outside the platforms above mentioned will be deemed unlawful and Vircle will not be liable to fulfil any actions undertaken by the User from such unauthorized app; and

(n) fully indemnify and shall keep the Parties fully indemnified against any loss, damage, liability, cost or expense, arising from any claims for libel, invasion of privacy, infringement of copyright, patent, breach of confidence or privilege or breach of any law or regulation whatsoever transmitted, received or stored via the Service or part thereof and for all other claims arising out of any act or omission of your or any unauthorized use or exploitation of the Services or part thereof.


4.2 You shall not:

(a) use the Service and/or the Platform to cause embarrassment, distress, annoyance, irritation, harassment, inconvenience, anxiety or nuisance to any person;

(b) use the Service and/or the Platform to cause excessive or disproportionate load on the Service or Vircle’s system;

(c) use the Service and/or the Platform for any unlawful purposes including but not limited to vice, gambling, money laundering, terrorism financing or other criminal purposes whatsoever or for sending to or receiving from any person any message which is offensive on moral, religious, communal or political grounds, or is abusive, defamatory or of an indecent, obscene or menacing character;

(d) use the Service and/or the Platform for any purpose which is against public interest, public order or national harmony;

(e) use, permit or cause to be used the Service and/or Platform improperly or for any activities which breach any laws, infringe a third party’s rights, or breach any directives, content requirements or codes promulgated by any relevant authority including activities which will require Vircle to take remedial action under any applicable industry code or in a way interferes with other users or defames, harasses, menaces, restricts or inhibits any other use from using or enjoying the Service or the internet;

(f) circumvent user authentication or security of any host, network or account (referred to as “cracking” or “hacking”) nor interfere with service to any user, host or network (referred to as “denial of service attacks”) nor copy any pages or register identical keywords with search engines to mislead other users into thinking that they are reading Vircle’s legitimate web pages (referred to as “page-jacking”), or use the Platform or the Services for any other unlawful or objectionable conduct. Users who violate systems or network security may incur criminal or civil liability, and Vircle will at its absolute discretion fully co-operate with investigations of suspected criminal violations, violation of systems or network security under the leadership of law enforcement or relevant authorities;

(g) attempt to probe, scan or test the vulnerability of any of Vircle's system or network or breach any security or authentication measures;

(h) avoid, bypass, remove, deactivate, impair, descramble or otherwise circumvent any technological measure implemented by us or any of the service providers or any other third party (including other users) appointed by us to protect our ability to provide the Services;

(i) attempt to download the App for the use of the Services through the use of any engine, software, tool, agent, device or mechanism (including spiders, robots, crawlers, data mining tools or the like) other than the software and/or search agents provided by us or other approved third-party web browsers;

(j) copy, disclose, modify, reformat, display, distribute, license, transmit, sell, perform, publish, transfer and/or otherwise make available any of the Services or any information obtained by you while using the Services or while accessing the Platform;

(k) remove, change and/or obscure in any way anything on the Platform and/or the Services or otherwise use any material obtained whilst using the Platform and/or the Services except as set out in the Terms of Use; and

(l) copy or use any material from the Platform and/or the Services for any commercial purpose, remove, obscure or change any copyright, trade mark or other intellectual property right notices contained in the original material, or from any material copied or printed off from the Platform, or obtained as a result of the Services.

(m) use any of our trademarks, logo, URL or product name without Vircle and Fasspay’s express written consent;

(n) attempt to decipher, decompile, disassemble or reverse engineer any of the software used to provide the Service; and

(o) impersonate or misrepresent your affiliation with any person or entity.


4.3 Notwithstanding anything to the contrary, if any information provided by you is suspected or found to be untrue, inaccurate, not current or incomplete, Vircle has the right to immediately terminate your account and refuse any and all current or future use of the Services or access to the Platform. Please contact us at to request a reactivation of your Account.

5. The Parties' Rights

5.1 We reserve the right to make any alteration or changes to the Service, or any part thereof, or suspend or terminate the Service or any part thereof without prior notice and We shall not be liable for any loss or inconvenience to you resulting therefrom.

5.2 Vircle reserves the right at its absolute discretion, to vary, add or otherwise amend the Terms of Use stipulated in this Agreement, the Privacy Policy, the Product Disclosure Sheet or any part thereof, from time to time, by giving you a twenty-one (21) day notice to you via the App or any other electronic channel. Your continued use of the Service after the effective date of any change, variation, addition or amendments to these Terms of Use shall constitute your unconditional acceptance of such variations, additions or amendment.

5.3 Unless otherwise notified by you, you agree that Vircle may send you notifications relating to promotional and marketing activities from time to time. You may opt out from receiving any promotional or marketing messages from Vircle by unsubscribing via email or contacting our customer service.

5.4 We may extract personal information or any other data from your Account which is required to be used as evidence in court and/or when necessary, in the event of a suspected and or proven misuse of the Service.

5.5 Vircle may run campaigns/contest or promotions in relation to the Service as may be notified to you from time to time. You agree that your participation in such campaign/contest/promotion shall be subject to the specific terms of use of such campaign/contest/promotion.

5.6 You agree that by using the Services, you are consenting to the use and/or disclosure of the information collected by Us from you (“Personal Information”) within the Platform and through your use of the Services, in accordance to our Privacy Policy as posted on our website and Personal Data Protection Act 2010. You are advised to read our Privacy Policy to understand your rights with regards to your Personal Information.

6. Intellectual Property Rights

6.1 The Intellectual Property Rights in respect of all materials including without limitation all current and future copyrights, patent, trademarks, rights in databases, inventions or trade secrets, know-how, rights in designs, trade and business names, domain names, get up and devices which are capable of being protected and/or enforced in Malaysia and/or any relevant country of the world, any brand names, trademarks, services, products, hardware and software shall remain vested in the party originating. For clarity purposes, Vircle and Fasspay's name, logo and/or product name appearing on the Platform and/or Services are the trademarks of Vircle and Fasspay and/or its affiliates and no right or license is granted to use them.

6.2 You acknowledge and agree that the Services and the Platform are protected by copyright, trademark, service mark, patent, or other proprietary rights and laws. All rights are expressly reserved.

6.3 You are only allowed to use the Platform and the Services in accordance with the Terms of Use, and nothing on the Platform and/or the Services shall be construed as conferring any license or other transfer of rights to you of any intellectual property of other proprietary rights of Vircle.

7. Charges

7.1 Vircle reserves the right to impose any Charges for the use of certain Services, if such Charges are required. Some Services may be chargeable as indicated on the Platform and in any accompanying Terms and Conditions, including but not limited to:

(a) account opening

(b) top-up

(c) subscription

(d) make a payment to merchant

(e) refund of available balance from Vircle Wallet (upon request)


Please refer to latest fees and charges as published in the Product Disclosure Sheet at or through the Vircle application (Settings -> Fees & Charges). Vircle reserves the right to revise such charges from time to time.

7.2 You agree and undertake to pay all Charges arising out of and in connection with the use of the Services. The Charges, where applicable, are payable in the following manner:

(a) by deducting from your Vircle Wallet account;

(b) via credit or debit cards listed on the Platform; or

(c) via online banking


7.3 If any supply made under these Terms of Use is a taxable supply to which the applicable taxes, including but not limited to the sales and service tax, would apply (“Applicable Taxes”), then Vircle reserves the right to levy the Applicable Taxes at the prescribed rate and you agree to pay the amount of the Applicable Taxes.

7.4 In accessing and using the Platform and/or Services, you shall be fully responsible and liable for all charges and payment due to your communications services provider to access the Platform and the Services including but not limited to telephone charges and internet/data charges.

7.5 You agree that all charges paid to and in connection with the use of the Services provided are non-refundable under any circumstances whatsoever.

7.6 In the event that Vircle is unable to charge any applicable fees on the Card due to the fact that there are insufficient or no balance of funds on your Vircle Wallet account, we reserve the right to retrospectively charge those said applicable fees upon or once the Vircle Wallet has sufficient balance of funds.

8. The Parties’ Liability and Liability for Service

8.1 The Parties shall not be liable for any liability, loss, damages, cost and/or expenses (whether direct or indirect), or for loss of revenue, loss of business, loss of profits or any consequential or indirect loss whatsoever as a result of your use and/or misuse of the Service.

8.2 It is your sole responsibility to make all reasonable effort to ensure your App is up to date. The Services and, in particular, the Charges are periodically updated and you should check the Platform regularly to ensure that you have the latest information. You should also ensure that you are using the latest version of the App.

8.3 You acknowledge that the Parties are unable to exercise control over the security or subject matter passing over the telecommunication provider’s network, the Platform or via the Services, and the Parties hereby excludes all liability of any kind for the transmission or reception of infringing any subject matter of whatever nature.

8.4 The Platform may contain links to website, web pages operated by third parties and you agree that your use of each website, webpage and service is also subject to the terms and conditions, if any, contained within each website or webpage or attached to any products or services of these third parties. You shall comply with the said terms of use and fully indemnify and to hold Vircle harmless from and against any claim resulting from your breach of any of the said terms of use.

8.5 The Parties assume no responsibility for and does not endorse unless expressly stated, created or published by third parties that is included in the Platform and the Services or which may be linked to and from the Platform.

8.6 The Platform and/or the Services may be used by you to link into other applications, websites, resources and/or networks worldwide. The Parties accepts no responsibility for the services, and you agree to conform to the acceptable use policies of such website, resources and/or networks.

8.7 Notwithstanding anything to the contrary contained herein, the maximum liability of the Parties shall not exceed an amount equivalent to the aggregate sum of the Available Balance of your Account at the date on which your claim arises.

9. Exclusion of Liability

9.1 The Parties shall not be liable for any special, indirect or consequential damages or any damages whatsoever, whether in an action of contract, negligence or other tortuous action, arising out of, or in connection with the performance of, or use of Services available on the Platform and in particular, but without limitation to the foregoing, the Parties specifically excludes all liability whatsoever in respect of any loss arising as a result of:

(a) use which you make of the Platform and the Services, or reliance on Services, or any loss of any Services resulting from delays, non-deliveries, missed deliveries, or service interruptions;

(b) defects that may exist for any costs, loss of profits, or consequential losses arising from your use of, or inability to use or access, or a failure, suspension or withdrawal of all or part of the Platform and the Services at any time; and

(c) any lost or stolen E-Money instruments and fraudulent transactions, whether or not through the use of the Services.


9.2 All conditions or warranties that may be implied or incorporated into the Terms of Use by law, or otherwise are hereby expressly excluded to the extent permitted by law.

9.3 In the event that you are not satisfied with the Services provided through the Platform, you can choose to discontinue with the Services in accordance with Clause 11.7.

9.4 Vircle makes every effort to ensure the security of your communications. You are however advised that for reasons beyond our control, there is a risk that your communications may be unlawfully intercepted or accessed by those other than the intended recipient. For example, your communications may pass over third-party networks which we have no control. The internet is not a secure environment. Unwanted programs or materials may be downloaded without your knowledge, which may give unauthorised persons access to your mobile phone and the information stored on your mobile phone. These programs may perform actions that you have not authorised, possibly without your knowledge. We recommend that you be wary of such risks and that you check the transaction history on the Platform regularly.

9.5 The Parties do not represent or warrant that:

(a) the use of the Platform and/or Services will be secure, timely, uninterrupted or error free or operate in combination with any other hardware, software, system or data;

(b) the Platform and/or Services will meet your requirements or expectations;

(c) any stored data will be accurate or reliable;

(d) errors or defects in the Platform and/or Services will be corrected; or

(e) the Platform and/or Services are free of viruses or other harmful components.

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