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Terms and Conditions

These Moneybay Terms of Use (hereinafter referred to as the “Terms of Use”) describe the terms pursuant to which Moneybay (hereinafter referred to as “Moneybay”, “we” or “us”) offers you access to the mobile application (hereinafter referred to as the “Application”). These Terms of Use apply when you download, install, access or use of the Application.

  1. About Moneybay Eligibility.

    The Application enables you to:Find the best currency exchanges around your location or a location and display them on a map.View the detailed information of the currency exchanges including addresses, telephone numbers, currency rates and user feedback. Contribute wilfully to the information, especially by rating, commenting or providing pictures of the currency exchange rate display boards as well as pictures of the currency exchange exterior to help users easily spot the outlet. (The data that we provide are partly created by aggregating the data collected by the users of the Application.) [The Application is intended for users who are at least thirteen (13) years old. If you are not at least thirteen (13) years old please do not access, visit or use the Application.]

  2. Acceptance of the Terms of Use.

    You accept these Terms of Use and agree to be bound by these Terms of Use when you download, install, view or use the Application. Please read these Terms of Use carefully because they govern your access to and use of the Application and set forth legally binding terms applicable to your use of our Application. IF YOU DO NOT AGREE TO THESE TERMS OF USE, THEN YOU SHOULD NOT ACCESS OR USE THE APPLICATION.

  3. Amendments.

    We may amend these Terms of Use from time to time. We will post any material changes to these Terms of Use on the Application with a notice advising of the changes at least thirty (30) days before the effective date of the changes. If you do not agree to the new terms, you may terminate your account within the applicable thirty (30) day period by contacting us at hello@moneybay.co and you will not be bound by the amended terms. Otherwise, the new terms will take effect after thirty (30) days.

  4. Moneybay Privacy Policy:

    In connection with your use of the Application, please review the Moneybay Privacy Policy, in order to understand how we collect and use information about you when you download, install, access, or use the Application. The Moneybay Privacy Policy is part of and is governed by these Terms of Use and by accepting these Terms of Use, you agree to be bound by the terms of the Moneybay Privacy Policy, and agree that we may use information collected from you in accordance with the Moneybay Privacy Policy.

  5. Moneybay Accounts and Registration.

    You can use the Application without logging in, but you will not be able to access some features of the Application unless you do so. You can login to Moneybay by logging in to the Application through your account on Facebook, or other compatible social media platforms (each, a “Social Media Service”). By creating a Moneybay account you represent that you are: [(i) at least eighteen (18) years old; (ii) of legal age to form a binding contract]; and (iii) not barred from using the Application under the laws of Malaysia or another jurisdiction.Creating an Account through a Social Media Service. If you choose to log in to the Application through your Social Media Service account, Moneybay may: (i) have access to certain information that you make available through the applicable Social Media Service; or (ii) post status messages, notes, photos, videos and other materials to the applicable Social Media Service on your behalf. By logging in to the Application through a Social Media Service, you grant us permission to access and use the information that you make available through the applicable Social Media Service, in accordance with the privacy or other settings that are applicable to your Social Media Service account. For more details on the information we collect about you from Social Media Services, please review the Moneybay Privacy Policy. For more information on how you can manage the information provided to Moneybay by the applicable Social Media Service, please review the privacy settings applicable to your Social Media Service account. Social Media Services are not partners or representatives of Moneybay and Moneybay is not responsible for the acts or omissions of any Social Media Service in connection with your account with the applicable Social Media.You may terminate your account at any time by contacting us at hello@moneybay.co. If you terminate your account you will still be able to access and view the Sites, but you will not have access to any of the customized features and content that are available to registered users of the Application. We may also terminate your account, or impose limits on or restrict access to parts or all of the Application at any time, without notice or liability.

  6. Ownership of the Application. Except for User Content (as described below in Section 7), you agree that Moneybay and its licensors or partners own all rights, title and interest in the Application and all materials provided by us in connection with the Application, including, without limitation, software, images, text, graphics, illustrations, logos, patents, trademarks, service marks, copyrights or photographs, (the “Moneybay Content”), and all intellectual property rights related to the Moneybay Content. You may not (and you may not allow any third party to) copy, modify, create a derivative work from, decompile, reverse engineer, reverse assemble or otherwise attempt to discover any source code of the Application. The Moneybay name, logo and symbols and related names are trademarks and service marks of Moneybay (the “Moneybay Marks”). You agree not to display or otherwise use any Moneybay Marks without Moneybay prior written consent.
  7. User Content.

    Responsibility for User Content. If you have a Moneybay account you will be able to post content to the Application including comments, data, text, photographs, graphics, messages, tags, images, illustrations, or other materials (“User Content”). You, and not Moneybay, will be solely responsible for all User Content that you upload, post, transmit or otherwise make available through the Application, and other users of the Application, and not Moneybay, are similarly responsible for the User Content that they upload, post, transmit or otherwise make available through the Application. By posting User Content on the Application, you agree to assume full responsibility for the applicable User Content and represent that: (i) you are the sole owner of all User Content that you make available through the Application or that you have all rights, licenses, consents and/or releases necessary to make your User Content available through the Application and to grant to Moneybay the rights to your User Content described in these Terms of Use, (ii) the User Content does not and will not infringe the rights of any third party, including any intellectual property rights, publicity rights or rights of privacy, and (iii) all of your User Content and other information that you provide to us is truthful and accurate. Please remember that the Application is a public platform and that other users of the Application may see and/or use any User Content that you make publicly available through the Application. Moneybay has the right, but not the obligation, to pre-screen, refuse or remove any User Content that violates these Terms of Use or that it otherwise deems objectionable, such as, but not limited to the use of profanity, racism, hateful comments or sexual connotation. Should your account or your User Content be removed from the Application, Moneybay reserves the right to retain your User Content for backup, archival, or audit purposes.Content on the Application. Moneybay is an Internet-based Service Provider and does not assume any duty to monitor the Application for inappropriate or unlawful User Content. Moneybay is not responsible for, nor does Moneybay necessarily hold the opinions expressed by, User Content. Opinions and other statements expressed by users of the Application are theirs alone. Users are fully responsible for the accuracy and completeness of the User Content that they contribute to the Application. Moneybay does not endorse, guarantee, or assume any responsibility, obligation or liability relating to the applicable User Content, including, but not limited to, liability for third-party claims against users of the Application for defamation, libel, slander, infringement, invasion of privacy, violation of publicity rights, obscenity, pornography, profanity, fraud, or misrepresentation.Sharing User Content through Social Media Services. In the event that you share or post User Content to the Application through a Social Media Service, or post or share User Content to a Social Media Service through the Application, you agree to comply with all terms of use, policies and guidelines established by the applicable Social Media Service with regard to your User Content. You also agree to be solely responsible and liable for any claims arising as a result of sharing or posting User Content to or from any Social Media Service.

  8. Prohibited User Content.

    While using the Application, you agree that you will not upload, post, transmit or otherwise make available any User Content that:

    • Is unlawful, harmful, threatening, abusive, harassing, tortious, infringing, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or is racially, ethnically or otherwise objectionable;
    • Creates a risk of harm, loss, or damage to any person or property or a risk of physical or mental injury, emotional distress, death, disability, disfigurement, or physical or mental illness to yourself, to any other person, or to any animal;
    • Seeks to harm or exploit minors in any way, including, but not limited to, by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
    • Violates, or encourages any conduct that violates laws or regulations or contains any information or content that is illegal; or
    • Infringes any third party’s intellectual property rights, privacy rights, publicity rights, or other personal or proprietary rights or contains any information or content that you do not have a right to make available under any law or under contractual or fiduciary relationships.
  9. Prohibited User Conduct.

    While using the Application, you agree not to engage in any of the following prohibited activities:

    • Use, display, mirror or frame the Application, any individual element within the Application, the Moneybay name, trademark, logo or other proprietary information, or the layout and design of any page, without our express written consent;
    • Access the Application by any means other than through the interface provided by Moneybay and as otherwise expressly authorized under these Terms of Use;
    • Access, tamper with, or use non-public areas of the Application, our computer systems, or the technical delivery systems of our providers;
    • Avoid, bypass, remove, deactivate, impair, descramble or otherwise circumvent any technological measure implemented by Moneybay or any of our providers or any other third party (including another user) to protect the Application;
    • Forge headers or otherwise manipulate identifiers in order to disguise the origin of any User Content transmitted through the Application;
    • Attempt to access or search the Application or scrape or download User Content from the Application, or otherwise use, upload content to, or create new links, reposts, or referrals in the Application through the use of any engine, software, tool, agent, device or mechanism (including automated scripts, spiders, robots, crawlers, data mining tools or the like) other than the software and/or search agents provided by Moneybay or other generally available third party web browsers;
    • Send any unsolicited or unauthorized spam, advertising messages, promotional materials, email, junk mail, chain letters or other form of solicitation;
    • Use any meta tags or other hidden text or metadata utilizing the Application or an Moneybay trademark, logo, or URL without Moneybay express written consent;
    • Attempt to decipher, decompile, disassemble or reverse engineer any of the software used to provide the Application;
    • Interfere with, or attempt to interfere with, the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, or mail-bombing the Application;
    • Reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purpose any portion of the Application (including your account) or your access to or use of the Application;
    • Disrupt the normal flow of dialogue, cause a screen to scroll faster than other users of the Application are able to type, or otherwise act in a manner that negatively affects the ability of other users to engage in real-time exchanges;
    • Collect or store any personally identifiable information from other members of the Application without their express permission;
    • Stalk or otherwise harass another person or entity;
    • Impersonate or misrepresent your affiliation with any person or entity;
    • Violate any applicable law or regulation; or
    • Encourage or enable any other individual to do any of the activities prohibited in these Terms of Use.
  10. User Feedback.

    Moneybay welcomes and encourages your feedback, but please do not submit any proprietary or confidential information, suggestions or materials via email, the Application or any other method. By submitting opinions, suggestions, feedback, and/or proposals through the Application, or through any other communication with Moneybay, you acknowledge and agree that: (A) the suggestions or feedback you provide will not contain confidential or proprietary information; (B) Moneybay is not under any obligation of confidentiality, express or implied, with respect to the suggestions and feedback you provide; (C) Moneybay shall be entitled to use or disclose (or choose not to use or disclose) the suggestions and feedback you provide for any purpose, in any way, in any media worldwide; (D) Moneybay may have similar ideas to the suggestions and feedback you provide already under consideration or in development; (E) the suggestions and feedback you provide will automatically become the property of Moneybay without any obligation of Moneybay to you and you hereby assign all of your rights in the suggestions and feedback to Moneybay; (F) you are not entitled to any compensation or reimbursement of any kind from Moneybay under any circumstances, and (G) you will not submit any materials that you do not have the right to make available under any law or contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements). You expressly agree that you will solely bear any liability related to your submission of these materials through the Application or to Moneybay.

  11. Links to Other Websites.

    The Application may contain links to third party websites, resources or data, and other users of the Application may post links to third party websites, resources or data. You acknowledge and agree that Moneybay is not responsible or liable for the availability of these websites or resources, or for any content, advertising, products, services or other materials on or available through these websites or resources, including payment or delivery of such goods or services from these websites. You also acknowledge that you are solely responsible for and assume all risk arising from the use of any of these websites, resources or data. Links to third party websites on the Application are not intended as endorsements or referrals by Moneybay of any products, services or information contained on the applicable websites. These Terms of Use do not apply to third party websites, including the content of and your activity on those websites. You should review third-party websites’ Terms of Use, privacy policies and all other website documents, and inform yourself of the regulations, policies and practices of third-party websites.

  12. Disclaimer of Warranties.

    THE APPLICATION, INCLUDING ALL ITS DATA, IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, MONEYBAY AND ITS PARENTS, SUBSIDIARIES, PARTNERS, REPRESENTATIVE, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS (COLLECTIVELY, THE “MONEYBAY PARTIES”) DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. THE MONEYBAY PARTIES DO NOT WARRANT THAT THE APPLICATION OR RATE DATA WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, THAT THE APPLICATION OR THE SERVERS THAT MAKE THE APPLICATION AVAILABLE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY PRODUCT DESCRIPTIONS OR DEPICTIONS, OR OTHER CONTENT OFFERED AS PART OF THE APPLICATION, ARE ACCURATE, RELIABLE, CURRENT OR COMPLETE.YOU EXPRESSLY AGREE THAT YOUR USE OF THE APPLICATION IS AT YOUR SOLE RISK. IF YOU DOWNLOAD THE APPLICATION, YOU DO SO AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF THE APPLICATION. WE RESERVE THE RIGHT TO RESTRICT OR TERMINATE YOUR ACCESS TO THE APPLICATION OR ANY FEATURE OR PART THEREOF AT ANY TIME. THE MONEYBAY PARTIES ASSUME NO RESPONSIBILITY FOR THE DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY CONTENT OR PERSONALIZATION SETTINGS.

  13. Limitation of Liability.

    YOU UNDERSTAND AND AGREE THAT THE MONEYBAY PARTIES WILL NOT BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF A MONEYBAY PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM YOUR USE OR ACCESS OF, OR INABILITY TO USE OR ACCESS, THE APPLICATION OR THE RATE DATA.

  14. Maintenance and support.

    The application and Services maintenance and support services are provided through Moneybay website and with no obligation of results.

  15. Applicable Law.

    This Agreement shall be governed in all respects by the domestic laws of Malaysia without regard to its conflict of laws and principles.