References to "You", "Yours" means any person using PayNet’s website at paynet.my and any other websites owned and operated by PayNet and all its pages (“Sites”). “PayNet”, "We", “Us” "Our" or “Ours” will refer collectively to Payments Network Malaysia Sdn Bhd 200801035403 (836743-D) (“PayNet”).

By accessing or using the Sites, contents and services provided by PayNet, including paynet.my and any affiliated websites, portals or platforms, you agree to be bound by these Terms and Conditions ("Terms"), as well as our Privacy Policy and Disclaimer. If you do not agree to these terms, please immediately discontinue your access or use the Sites or any part of them.

We may revise, amend or update these Terms at any time. Any use of the Sites or continued access after the effective date of revised Terms constitutes acceptance of the updated Terms.

We reserves the right, without prior notice, to remove or modify content, restrict or suspend access for any user or discontinue, in whole or in part, any Site or services at its discretion. You shall not hold PayNet liable for any loss or damage arising from any such modification, suspension, removal or discontinuation.

Nothing on the Sites shall be construed as a solicitation, offer, recommendation or endorsement by PayNet to acquire, purchase, subscribe to or engage in any transaction or contract.

All content is provided for general informational purposes only, and you should seek independent professional advice before acting upon any information provided on the Sites.

The Sites may contain links to or embed content from websites or services operated by third parties "Third Party Links". Unless otherwise mentioned, such linked websites are owned and operated by third parties and as such are not under our control. These Third Party Links are provided solely for your convenience and expand the functionality and informational value of our Sites.

We do not control third party websites or their content. Therefore we shall not be responsible and make no warranties in respect of the contents of those websites, the third parties named therein or their products and services. Furthermore, the links provided in this site shall not be considered an endorsement or verification or approval of such linked websites or the contents therein. By using these external links to third party website, you do so at your own risk. You are strongly encouraged to review the terms of use and privacy policy statements of any website which are linked to the Sites before interacting with them.

Unless otherwise indicated, the copyright in the Site and their content including but not limited to the text, images, graphics, sound files, animation files, video files and their arrangement, logo, name, brand, images, designs, layouts are property of PayNet and protected under the applicable Malaysian and international copyright laws. No part or parts of this page may be modified, copied, distributed, retransmitted, broadcast, displayed, performed, reproduced, published, licensed, transferred, sold or commercially dealt with in any manner without our expressed prior written consent. You also may not, without our expressed prior written consent, insert a link to this site on any other website, frame or "mirror" any material contained on this site on any other server. Any such unauthorised reproduction, retransmission or other copying or modification of any of the contents of this site may be in breach of statutory or common law rights which could be the subject of legal action. If such event occurs, we disclaim all liability which may arise from any such unauthorised acts.

All trademarks, services marks, trade names, logos, signs, symbols (collectively referred as "Trademarks") appear on the Sites or contained in the Sites content are the property of PayNet or their respective owners. This includes registered Trademarks and trademarks which are the subject of pending applications or otherwise protected by the law, including “PayNet”, "DuitNow", “IBG”, “MyDebit”, “FPX”, “DirectDebit”, “JomPAY” and PayNet, IBG, MyDebit, FPX, DirectDebit, JomPAY and their related logos.

The emblem of PayNet or the name of PayNet, including any abbreviation of its name, is protected by the the applicable laws.

Any use of the PayNet name, logo, emblem or Trademark that could mislead the public into believing in affiliation, endorsement or approval by PayNet without Our express authorisation is strictly prohibited.

The Sites may also contain the Trademarks of our customers, merchants, subscribers, service providers, partners which are protected by law. Thus you may not use these trademarks, at all times.

Any documents, guides, FAQs and reference materials made available on the Sites (“Reference Materials”) are provided for reference and support purposes only. While PayNet uses reasonable efforts to ensure the accuracy and reliability of the Reference Materials, the information may not always be up to date, complete or error-free.

PayNet provides the Reference Materials without any warranty, express or implied, including but not limited to warranties of accuracy, reliability, fitness for a particular purpose or non-infringement. You agree that use of or reliance on the Reference Materials is at your own risk.

In no event shall PayNet be liable for any loss, damage or consequences (whether direct, indirect, incidental or consequential), including loss of data or operational issues, arising from or in connection with your use of or reliance upon, the Reference Materials.

The sites including the Terms are intended for use in Malaysia and is not intended for use in other jurisdiction where such use would be contrary to Malaysian law. Any dispute claim or controversy arising out of or relating to your access to the Sites shall be governed by and construed in accordance with the laws of Malaysia. You agree that the Malaysian courts shall have exclusive jurisdiction to determine any dispute in connection with or arising out of the Sites and these Terms, excluding any conflict of law rules that would refer or apply the laws of another jurisdiction.

If you access or use the Sites from outside of Malaysia, you do so on your own initiative and at your own risk and you are responsible for complying with all applicable local laws. PayNet makes no representation that these Terms or any Content are appropriate or available for use in jurisdictions outside Malaysia.

No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

If you have any questions, comments or complaints about this site, please email us at ask@paynet.my.