Last updated on 4 July 2023
This section sets out the terms and conditions (these “Terms”) of your access to https://www.payermax.com (the “Site”), including all sub-pages on the Site, which are operated by PMmax Technology Limited (“PMmax”) or where you may use or have access to the services provided by PMmax (the “Service”). If you are an individual, you must be above eighteen (18) years old and competent to contract under the applicable laws to access or use the Service. If you are a merchant or business, your business must be validly organised and operating legally in the jurisdiction where PMmax has operation in order to use the Service. By accessing the Site, you are agreeing to these Terms.
We may amend these Terms at any time by posting an updated version. The updated version of these Terms shall take effect immediately upon posting. Each time you access the Site, you confirm that you agree to be bound by these Terms as may be amended from time to time.
Unless otherwise indicated or the context requires otherwise, reference to “PMmax”, “we”, “us” or “our” in these Terms include PMmax and its affiliates, including Int Payment Technology Pte. Ltd. that are involved in providing the Service, and such affiliates are joined as parties to these Terms with respect to the Service they provide.
You may use the Service to facilitate payments in connection with your online purchases for products or services concluded on or through e-commerce websites, apps or other platforms. For the avoidance of doubt, PMmax doesn’t provide payment service to you. PMmax provides technical support to payment methods or funding channels provided by the banks, e-wallet service providers or other payment service providers with which you have opened account or registered services (“Your Payment Service Providers”). PMmax is not acting as a trustee, fiduciary or escrow with respect to your funds and it does not have control of, nor liability for, the products or services that are paid for using the Service, including the provision, use or condition of such products or services.
If you are using the Service on behalf of a company, partnership, association, government or other organization, you warrant that you are authorized to do so and that you are authorized to bind your organization to these Terms. In such circumstances, 'you' or ‘user’ will include your organization.
You will use the Site in good faith and in compliance with all applicable laws and regulations. The information and material you provide in connection with the use of the Site must be true, lawful and accurate, and is not false, misleading or deceptive.
You shall not use the Site to defraud PMmax, our affiliates or other members or users, or service providers, or engage in other unlawful activities (including without limitation dealing in products or services prohibited by law). You shall not use the Site for any illegal activities or in a manner that may result in complaints, disputes, claims, penalties or other liability to PMmax, other users or third parties or may be regarded as an abuse of the Site.
If we, in our sole discretion, believe that you may have engaged in the above restricted activities, we may suspend or restrict your access to the Site.
Due to the nature of the Internet, transactions conducted or messages sent through this Site may be subject to interruption, transmission blackout, delayed transmission or incorrect data transmission. Under no circumstances shall PMmax be held liable for any failure in the communication networks, or the accuracy or timeliness of messages and transactions sent via the Site whatsoever.
The material displayed on the Site is provided without any guarantees, conditions or warranties as to its accuracy or completeness. Whilst we have taken care in preparing the content and information contained on this Site, such content and information are provided "as is" without warranty of any kind, whether express or implied. In particular, no warranty about non-infringement, security, accuracy, fitness for a purpose or absence of computer viruses is given in connection with such content and information.
To the full extent permitted by law, PMmax and our affiliates shall not be liable for any indirect, consequential, incidental, special or punitive damages, including without limitation damages for loss of profits or revenues, business interruption, loss of business opportunities, loss of data or loss of other economic interests, whether in contract, negligence, tort or otherwise, arising from your use of or inability to use the Site.
You agree that we may collect, hold, use and transfer your personal data in accordance with the PayerMax Privacy Policy.
Any and all intellectual property rights associated with the Site https://www.payermax.com are the sole property of PMmax, our affiliates or third parties.
We and other parties (as applicable) own the trademark, trade names, graphics, logos, icons and service marks (the “Trademark”) that are used or displayed on this Site. You are not allowed to use any Trademark used or displayed on this Site without our or such other parties' prior written permission.
Materials on this Site are protected by copyright. You are not allowed to modify, reproduce, store in a retrieval system, transmit, copy or distribute these materials (or any part of them), or use them for creating derivative works or in any other way for commercial or public purposes without our prior written consent.
You may print off one copy, copy and may download extracts, of any page(s) from the Site for your personal reference and you may draw the attention of others within your organization to material posted on our Site. You must not modify the paper or digital copies of any materials you have printed off copied or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. You must not use any part of the materials on the Site for commercial purposes.
PMmax may establish general practices and limits concerning use of the Site. PMmax reserves the right to change, suspend, discontinue or restrict access to all or any part of the Site at any time, including hours of operation or availability of the Site or any Site feature, without notice and without liability.
You agree that all matters relating to your access to or use of the Site, including all disputes, will be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
These Terms act as general policy which is applied to you in relation to the Service. In the event of any conflict between these Terms and other special policies issued by PMmax, the provisions of the other policies shall govern and control.
Last updated on July 19, 2021
PayerMax, operated by PMmax Technology Limited (“PayerMax”, “we”, “our” or “us”), acts as a payment aggregator facilitating payment processing (“PayerMax Service”) for our customers (the “merchants”). During this payment processing, PayerMax will need personal information to process specific transactions. This PayerMax Privacy Policy describes how we collect, use, store and disclose personal information.
PayerMax may process personal information of the following categories of individuals in the provision of PayerMax Services:
We collectively refer to the individuals listed above as “you” in this Privacy Policy.
We process the personal information of end-users of merchants on behalf of the merchants. We are not responsible for and have no control over the privacy or security practices of the merchants, which may differ from those explained in this Privacy Policy. If your personal information has been submitted to us by or on behalf of the merchants and you wish to exercise any rights you may have under applicable data protection laws, please inquire with them directly.
Your use of PayerMax Service is governed by the PayerMax Terms of Service, which describes in more detail the PayerMax Service covered by this Privacy Policy. Capitalized terms not defined in this PayerMax Privacy Policy shall have the meaning ascribed to them in the PayerMax Terms of Service.
Sources of information
We process personal information that you provide to us in a number of ways, including:
We may also process your personal information from third-party sources as necessary for the provision of PayerMax Service. We may obtain this information from your organisation, from public sources or third parties, depending on the relevant circumstances. For example, we may obtain certain personal information about you from:
Type of personal information
When you use our website or when we interact with you to provide PayerMax Service or to receive services from you as a vendor, the personal information we receive, collect and process may include:
In addition to the information listed above, we may collect information about the transaction from you depending on which payment method you choose to make or receive a payment, including:
We collect the following personal information from your device when you use PayerMax Service to carry out data analysis for advertising, and to protect you from fraud, phishing or other misconduct:
You may provide your personal information to us voluntarily. However, there are circumstances in which we may not be able to assist you, or an organization with which you are associated, unless you provide us with your personal information. For example, your personal information may be required for legally required compliance checks, for security and other reasons to allow you to access PayerMax Service. In these cases, without the relevant personal information, we may be unable to assist you, and we would inform you that this is the case.
We do not knowingly collect personal information from or about children under the age of 18. If you are under 18, please do not use PayerMax Service or send any personal information about yourself to us. If we learn that we have collected personal information from a child under 18, we will delete that information as soon as possible. If you believe that a child under 18 may have provided us personal information, please contact as using details provided in section 8 below.
We may process your personal information in connection with any of the purposes set out above on one or more of the following legal grounds:
We will only share your personal information with third parties in the following circumstances:
Any information you provide directly to a third-party merchant, website or application is not covered by this PayerMax Privacy Policy. We are not responsible for the privacy or security practices of merchants or other third parties with whom you choose to share your personal information directly. We encourage you to review the privacy policies of any third party to whom you choose to share your personal information directly.
The personal information we collect may be transferred to and stored outside of the country you use PayerMax Service for the purposes specified in this Privacy Policy. For example, we store all of our data, including personal information, with AWS in Singapore.
Any international transfers of your personal information will be made according to appropriate safeguards under the applicable laws and regulations. If you wish to enquire further about these safeguards used, please contact us using the details set out in section 8 of this Privacy Policy. We may transfer your personal information outside of the country where you use PayerMax Service, and where we do so we will protect personal information as required by applicable laws.
Your personal information will be retained only for as long as necessary for the purposes for which the information was collected, except where necessary to meet our legal obligations (for example, in relation to KYC/AML requirements) or to establish, exercise or defend potential legal claims or to pursue our legitimate interests.
Your rights will depend on the laws which apply to you and us, but you may have:
Where you have provided us with consent for the processing, you may be able to withdraw it. Please note that even after you have chosen to withdraw your consent, we may be able to continue to process your personal information to the extent required or otherwise permitted by law, in particular in connection with exercising and defending our legal rights or meeting our legal and regulatory obligations. To withdraw your consent or to exercise any of the rights above, if they are applicable, you should use our contact details set out in section 8 below.
We must ensure that your personal information we hold is accurate and up to date, where relevant. Therefore, please advise us of any changes to your information by emailing us.
We are concerned about safeguarding the confidentiality of your information. We employ administrative, physical and electronic measures designed to protect your Information from unauthorized access and use. Please be aware that no security measures that we take to protect your information are absolutely guaranteed to avoid unauthorized access or use of your information which is impenetrable.
We ask that you not send us, and you not disclose, any sensitive personal information (e.g., information related to your e-wallet password, credit or debit card password, racial or ethnic origin, political opinions, religion or other beliefs, health, sexual orientation, criminal background or membership in past organizations, including trade union memberships) through PayerMax to us, unless such information is required by us for legal compliance checks, such as KYC/AML.
If you have any questions, complaints or comments about this PayerMax Privacy Policy or our privacy practices, or to report any violations of the PayerMax Privacy Policy, please contact us at: service@payermax.com.
We may revise this PayerMax Privacy Policy from time to time to reflect any changes to the way how we process your personal information or changing legal requirements. The most current version of the policy will govern our use of your information. Please check back frequently to see any updates or changes. This Privacy Policy was last updated on the date provided at the top of this page.
The following additional or amended terms shall apply to you if you are a user in the relevant jurisdiction specified below.
Law No. 13,709/2018 (the Brazilian General Data Protection Law, aka “LGPD”) offers additional rights and regulations for individuals located in Brazil. Further to the information set out in sections 1, 5, 7, and 10 of this Privacy Policy, the following additional information applies to you if you are located in Brazil:
Minor’s Personal Information: We do not knowingly collect personal information from or about children and adolescents under the age of 18. If you are under 18, please do not attempt to use PayerMax Service or send any personal information about yourself to us. If we learn that we have collected personal information from a child or adolescent under 18, we will delete that information as soon as possible. If you believe that a child or adolescent under 18 may have provided us personal information, please contact us.
Data subject’s requests: Under Article 18 of the LGPD, you have the following rights as data subject:
If the Services are used or accessed from within Republic of Indonesia, then the following supplemental terms shall apply and override any conflicting provisions in the Privacy Policy:
Consent from third parties. If you provide any personal data or information of third party individuals and/or parties, you represent and warrant that you have obtained the necessary consent to do so.
Data sharing. We will not share your information with third parties for any purposes other than the provision of PayerMax Service specified herein, without your consent.
Governing Language. These Privacy Policy are made in English and Indonesian language versions. In the event of any discrepancy between the English and Indonesian language versions, the English language version shall prevail.
Parental or Guardian Consent. If you are under the age of 21, you hereby represent that you had the consent of your parent or legal guardian to use the PayerMax Service.
Waiver. For the purpose of termination and/or dissolution and/or rescission of the Privacy Policy, we and you hereby waive the applicability of the provisions under Article 1266 of the Indonesian Civil Code, to the extent that the court order and/or decision would otherwise be required to validly terminate and/or dissolve and/or rescind the Privacy Policy.
If the Services are used or accessed from within Philippines, then the following supplemental terms shall apply and override any conflicting provisions in the Privacy Policy:
Clause 1 (Information we collect and how we use it), add:
If you have provided us with personal information of third party individuals, you are required to obtain the individual's prior consent and you represent and warrant that you had or have their consent or are otherwise entitled to provide their personal information to us. By providing us with personal information of third party individual(s), you also warrant that the individual(s) is informed of and consents to the terms of this Privacy Policy.
Clause 3 (Information we share), combine bullets 3 and 5 as follows:
Service providers which we engage to process personal information for any of the purposes listed above on our behalf and in accordance with our instructions only, such as local licensed payment service providers, cloud storage providers as well as companies providing services for AML/KYC checks, credit risk reduction, and other fraud and crime prevention purposes, and companies providing similar services, including financial institutions, credit reference agencies, and regulatory bodies with whom such personal data is shared; and/or
Clause 5 (Your rights) insert following clause:
Where you have provided us with consent for the processing, you may be able to withdraw it. Please note that even after you have chosen to withdraw your consent, we may be able to continue to process your personal information to the extent required or otherwise permitted by law, in particular in connection with exercising and defending our legal rights or meeting our legal and regulatory obligations or for any of the purposes set out in this Privacy Policy where the processing of your personal information is not based on consent.
If the Services are used or accessed from within South Korea, then the following supplemental terms shall apply and override any conflicting provisions in the Privacy Policy:
After the purpose of processing of your personal information is achieved, your personal information will be transmitted to a separate database (or moved to a separate storage if your information is retained in a paper form) and retained for a certain period in accordance with PayerMax’s internal regulations and other applicable laws and regulations before it is destroyed. Your personal information relocated to a separated database will not be used for other purposes, unless it is required under the applicable laws and regulations. When destroying your personal information, we will take reasonable and technically feasible measures to make the personal information irrecoverable. For example, electronic files that contain personal information will permanently be deleted using a technical method that makes the files irrecoverable, and any other records, print-outs, documents or any other recording media will be shredded or incinerated.
| 缩写 | 术语 |
|---|---|
| EDD | 深入尽职调查 |
| KYC | 了解您的客户 |
| RBI | 印度储备银行 |
| UNSC | 联合国安理会 |
| UNSCR | 联合国安理会决议 |
制定本商户入驻政策（以下简称“政策”）是为了明确公司与海外商户合作时应执行的程序的最低要求，其中涵盖与商户尽职调查、报告和记录管理相关的方方面面，力求与银行在这方面的要求保持一致。 本政策的有效实施由公司合规和运营团队负责。
本政策适用于公司的所有员工，旨在实现以下目标：
尽职调查
持续尽职调查
作为合同的一部分，公司应确保按照与花旗银行约定的条款维护、保存和报告商户信息。
公司应按照与花旗银行的预定安排确定的格式收集、汇总并向花旗银行报告所有与交易和商户有关的必要数据和信息，以便继续向上述有关主管、监管机构报告。
公司将至少每年审查一次本政策，如果业务经营发生任何重大变化，将根据需要更快对本规定进行审查。本政策的所有更新/变更都将定期传达给相关人员/相关各方。
网上商户：不得列入考虑的负面类别 — 表 I
| 序号 | 类别 |
|---|---|
| 1 | 成人商品和服务，包括色情和其他性暗示材料及相关草药产品（包括文学作品、片剂、注射剂、疫苗接种图像和其他媒体）；陪游或卖淫服务；色情或非法网站的网站访问和/或网站会员资格 |
| 2 | 身体部位，包括器官或其他身体部位 |
| 3 | 批量营销工具，包括电子邮件列表、软件或其他支持未经请求发送电子邮件（垃圾邮件）的产品 |
| 4 | 有线电视解码器和黑盒，包括用于免费获取有线电视和卫星信号的设备 |
| 5 | 儿童色情制品，包括涉及未成年人的色情材料 |
| 6 | 版权解锁设备，包括改装芯片或其他旨在规避版权保护的设备 |
| 7 | 受版权保护的媒体，包括书籍、音乐、电影和其他许可或受保护材料的未经授权的副本 |
| 8 | 受版权保护的软件，包括软件、视频游戏和其他许可或受保护材料（包括 OEM 或捆绑软件）的未经授权的副本 |
| 9 | 冒牌及未经授权的商品，包括复制或仿造的设计师商品；没有名人代言但通常需要代言的商品；假签名、假邮票和其他可能未经授权的商品 |
| 10 | 毒品和吸毒用具，包括非法毒品和毒品配件，包括鼠尾草和迷幻蘑菇等草药 |
| 11 | 药物测试规避辅助工具，包括药物清洁剂，尿液测试添加剂和相关物品 |
| 12 | 濒临灭绝的危险物种，包括动植物或其他生物（包括产品衍生物） |
| 13 | 政府身份证或文件，包括伪造的身份证、护照、文凭和贵族头衔 |
| 14 | 黑客行为和破解材料，包括实现非法访问软件、服务器、网站或其他受保护财产的手册、操作指南、信息或设备 |
| 15 | 非法商品，包括宣传非法商品或促成非法行为的材料、产品或信息 |
| 16 | 攻击性商品，包括符合如下条件的文献、产品或其他材料： a. 基于种族、族裔、民族、宗教、性别或其他因素诽谤或诋毁任何个人或群体 b. 鼓励或煽动暴力行为 c. 助长仇恨情绪 |
| 17 | 冒犯性物品、犯罪，包括犯罪现场照片或与罪犯有关的物品，比如与罪犯有关的个人物品 |
| 18 | 处方药或草药或任何类型的在线药房，包括需要获得执业许可的执业医生开具处方的药物或其他产品 |
| 19 | 烟火装置、易燃物、腐蚀性物品和危险材料，包括爆炸物、烟花爆竹和相关物品；有毒、易燃、放射性材料和物质 |
| 20 | 管制商品，包括安全气囊；含汞电池；氟利昂或类似物质/制冷剂；化学/工业溶剂；政府制服；车标；车牌；警察徽章和执法设备；开锁装置；农药；盖戳机；召回商品；老虎机；监视设备；受政府或其他机构规范监管的货物 |
| 21 | 烟草和香烟，包括香烟、雪茄、咀嚼烟草和相关产品 |
| 22 | 交通设备，包括雷达探测器/干扰器、车牌盖、交通信号改变器和相关产品 |
| 23 | 武器，包括火器、弹药、刀具、指节铜环、枪支零件和其他武器 |
| 24 | 批发货币，包括打折货币或货币兑换 |
| 25 | 不符合联邦、州、地方或国际所有适用法律和法规（包括印度法律）的任何产品或服务 |
| 26 | 商户提供的、有可能使银行/转账 和/或支付服务提供商处于不利境地和/或容易造成持卡人在收到账单时表现出购买和拒绝态度（如成人材料/成熟内容/陪游服务/交友），从而导致退款和欺诈损失的服务 |
| 27 | 法律完全禁止的业务，例如，博彩与赌博/出版物或可能被当局解释为导致道德败坏或颓废，或煽动种姓/社区紧张局势，彩票/抽奖和博弈游戏的内容 |
| 28 | 批量营销工具，包括电子邮件、名单、软件或其他支持未经请求发送电子邮件（垃圾邮件）的产品 |
| 29 | 基于 Web 的电话/短信/文本/传真服务或电话卡。带宽或数据传输/相关服务。语音处理/知识处理服务 |
| 30 | 邮件列表 |
| 31 | 多层次营销收费/矩阵网站/传销 |
| 32 | 与禁止从事的任何形式的烟花制作或服务活动相关的业务 |
| 33 | 直发/直运 |
制定本投诉处理政策（以下简称“政策”）是为了向客户和商户提供受理和升级其投诉、担忧和询问的充足机制，方便他们和公司沟通，提供快捷高效的投诉处理机制。本政策的有效实施由公司运营团队负责。
制定本政策是为了实现如下目标：
要提出任何投诉，线上询问表单、电子邮件等细节可在公司网页上获取。我们会为每位商户指派一位客户经理，处理商户的询问或者对不满的投诉。 如果商户有任何不满、询问或者反馈意见，可以通过如下方式联系公司：
| 投诉方式 | 联系方式 | 受理时间 |
|---|---|---|
| 电子邮件 | service@payermax.com | 24x7 |
要提出任何投诉，电话号码（免费电话）、电子邮件等细节可在公司网页上获取。如果客户有任何不满、询问或者反馈意见，可以通过如下方式联系公司：
| 序号 | 投诉方式 | 联系方式 | 受理时间 |
|---|---|---|---|
| 1 | 电子邮件 | service@payermax.com | 24x7 |
| 2 | 在线聊天 | 支付 SDK 中的自动链接 | 工作日上午 9 点到下午 6 点 |
公司将努力在下文所列的规定时限内处理所有投诉和询问：
| 序号 | 投诉类型 | 解决时限 |
|---|---|---|
| 1 | 汇款相关问题 | 5个工作日 |
| 2 | 技术问题 | 2个工作日 |
| 3 | 交易相关问题 | 2个工作日 |
| 4 | 运营问题 | 5个工作日 |
| 5 | 财务相关问题 | 7个工作日 |
| 6 | 服务条款问题 | 7个工作日 |
| 7 | 退款问题 | 3个工作日 |
| 8 | 其他问题 | 7-10个工作日 |
| 主管 | 解决投诉所需时间（从受理投诉起算） |
|---|---|
| 确认 | 立即 |
| 1 级主管 | 48 小时内 |
| 2 级主管 | 7 天内 |
| 3 级主管 | 30 天内 |
公司应按照与银行的预定安排确定的格式收集、汇总并向花旗银行报告所有与投诉有关的必要数据和信息，以便继续向上述有关主管、监管机构报告。
公司将在公司网站/APP 上公开展示本政策。
公司将至少每年审查一次本政策，以配合监管框架或业务运营发生的任何变化，将根据需要更快对本规定进行审查。本政策的所有更新/变更都将定期传达给相关人员/相关各方。
《反洗钱政策》规定了公司和员工必须遵守的最低标准，包括：
INT Payment Technology Pte. Ltd. (“INT PAYMENT”), a member of the PayerMax Group, is a licensed Payment Service Provider in Singapore. As required by the Singapore Payment Services Act 2019 (“PS Act”) and the Payment Services Regulations 2019, INT PAYMENT shall safeguard relevant money (as defined in section 23(14) of the PS Act) received from, or on account of, its merchant customer. INT PAYMENT has arranged for the relevant money to be safeguarded and held by INT PAYMENT on behalf of its merchant customers in trust account(s) maintained with safeguarding institution(s) according to the PS Act (“Customer Account”).
Generally, any relevant money received by INT PAYMENT on behalf of its merchant customer that is deposited in the Customer Account may be commingled with relevant money received on account of other merchant customers. INT PAYMENT shall maintain sufficient accounting records to determine the money held by for the benefit of each merchant customer. The money in such Customer Account does not form part of INT PAYMENT’s assets and is separated from INT PAYMENT's operating money, and INT PAYMENT is not allowed to use the money to finance its operations. If the safeguarding institution with which the Customer Account is maintained becomes insolvent, merchant customers may be delayed or prevented from recovering their full entitlement to the relevant money. Subject to the terms of the agreement between merchant customer and INT PAYMENT, INT PAYMENT may be authorized to withdraw or deduct money from such Customer Account for payment of any applicable fee or charges for rendering services to merchant customers.
INT PAYMENT must hold either the exact currency or its equivalent in Singapore Dollars of merchant customer’s money in the Customer Account.
