Bizkash
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Terms and Conditions

  1. INTRODUCTION
    Welcome to the BizKash App (“App”, “BizKash”). This App is owned and operated by Revotek Sdn Bhd (1454415-V) (individually and collectively, “Revotek”, “we”, “us” or “our”).
    The following terms & conditions (“these T&C”, “T&C”) apply to all visitors or users of this App. By accessing this App, the user (individually and collectively, “User”, “you”, “your”) acknowledges acceptance of these T&C. Revotek reserves the right to change, upgrade, modify, suspend, limit or discontinue any portion of this App or the Services or any of our related functions or applications or rules and regulations in these T&C, including payment methods, fees and charges imposed by BizKash, temporarily or permanently from time to time at its sole discretion and BizKash shall give you 21 days prior to such changes. We may release certain Services or their features in a beta version, which may not work correctly or in the same way the final version may work, and we shall not be held liable in such instances. Your continued use of the Services, this Platform and/or your registration of an Account after the effective date of the revision shall constitute irrevocable acceptance of this Terms of Service and any such revisions.
    Prior you begin to use this App, you must read, agree and accept all the T&C. Additionally, you must consent to the processing and handling of your personal data as outlined in the Privacy Policy.Note that BizKash reserves the right to refuse to provide you access to this App or Services or to allow you to open an Account for any reason.
    In the case of any violation of these BizKash App’s T&C, Revotek reserves the right to seek all remedies available by law and in equity for such violations including but not limited to refusing your access to this App.
  2. INTERPRETATION
    In these T&C, unless the context otherwise requires, the following words and expressions shall have the following meanings:
    “Confidential Information” means details, information disclosed or known to you as a consequence of accessing this App or acquiring our Services, on any subject matter and all communications with any person related to such confidential information, including without limitation, any trade secrets, know-how, proprietary information, formulas, processes, techniques, information relating to the business, operations, sales, financial conditions, price and profit calculations, production, business connections, distribution channels or products and/or service of Revotek, Financial Institution and authorised third-party but excluding information which (a) is publicly known at the time of disclosure other than as a result of a breach of your confidentiality obligations; or (b) is or becomes publicly known through no breach of these T&C by you or any negligence or your wrongful act;
    “Party” means Revotek and/or you, as the context requires, and “Parties” shall mean Revotek and you;
    “User” means user or you or your, as the context requires;
    “BizKash App” means Revotek, BizKash, we, us or our, as the context requires;
    “Financial Institution” means local financial entities that deals in business related to financial or/and monetary transactions, which include but not limited to loans, investment or any other transaction of similar nature;
    “Device” means any device that can access the Service such as cellphone or a digital tablet;
    “Service” means the service provided in BizKash App, which are record transaction of money, check sales and inventory, collect payments, make payment to supplier, obtaining business financing, purchased of stocks and ease the process of grants and subsidies.
  3. USE OF APP
    1. The service we provide or make available include (a) this App, (b) features, data, text, images, photographs, graphics, messages, tags, content, programming, software, application services (including, without limitation, any mobile application services) or its related services (“Content”) (collectively “Services”). Any new features added to or augmenting the Services are also subject to these T&C.
    2. This Apps does shares individual identifiable information with third parties, such as business partners, which is used for marketing purposes. Additionally, this Apps utilises individual identifiable information to reach out to user for marketing activities.
  4. LINKS TO THIRD PARTY SITES
    The contents provided by us through this App may contain links to third party sites. You accessing third party links therefore may be subjected to the third party’s terms and conditions. We do not filter or edit such contents and we do not accept any responsibility for misleading or incorrect information provided by the third party. We disclaim all liability in relation to such contents provided.
  5. USER RESPONSIBILITIES:
    1. You shall:
      1. ensure that you shall use your Account and BizKash eWallet for its intended use only primarily for payment, investment, and to obtain goods and services. For the avoidance of doubt, the BizKash eWallet is provided to you by BizKash at its sole and absolute discretion to enable you to perform the Transactions and shall not be used outside its intended use
      2. ensure that you download or have downloaded this App from either the Google Play Store, the Apple App Store, or Huawei App Gallery. Downloading from any other sources is strictly prohibited, you shall be fully responsible for any losses or damages incurred as a result of violating this clause;
      3. ensure that you do not use this App on any illegally modified devices such as jailbroken devices, rooted devices or any device that has been altered in any way whatsoever. If you use such a device, you shall be liable in anyway whatsoever for any and all losses or damages which you may suffer including but not limited to any financial and/or information loss;
      4. for the purpose of creating an account, provide accurate and complete information to use this App, and you shall on your own responsible to keep account information secure, up to date and accurate and inform us immediately of any changes in any particulars of your personal Information/data. Any failure by you to notify us of a change in your Information resulting in the delay or the non-delivery of any statement of account, eStatement, correspondence, invoice and/or notice will not prejudice our rights and entitlements under these Terms and Conditions;
      5. at all times be solely responsible to keep confidential and safeguard your account details, including your login credentials and password;
      6. solely responsible and liable for any use and misuse of your account and all activities that occur under your account;
      7. take all reasonable steps to prevent the fraudulent, improper or illegal use of your account and/or the Services offered on this App, as well as theft or loss of your Mobile Device, then promptly notify the Customer Service Agent (CSA) upon discovering it. Upon BizKash’s instruction, file a police report and provide BizKash with a certified true copy of the report; and
      8. comply with all applicable laws and regulations in Malaysia when using this App;
    2. You shall not:
      use this App to intentionally or unintentionally violate any applicable local, state, national or international law, rule, code, directive, guideline, policy or regulation including but not limited to laws and requirements (whether or not having the force of law) relating to anti-money laundering or counter-terrorism or against public interest or any criminal purposes whatsoever or transmitting any content which is offensive on moral, religious, communal or political grounds, or is abusive, defamatory or of an indecent, obscene or menacing character or in any other manner which may result in complaints, claims, disputes, penalties or liabilities to BizKash and/or Revotek;
    3. You acknowledge that the Services are, and shall remain, at all times, the property of BizKash and you shall:-
      1. exercise all due care and diligence in the use and maintenance of your account and procuring Services through this App; and
      2. not tamper or allow anyone to tamper with your account and/or the Services in any way;
      3. ensuring that your mobile device is compatible with the Mobile Payment System. Should there be any updates or enhancements to the system, you shall be responsible for ensuring ongoing compatibility of your device and for acquiring all necessary equipment and mobile applications to utilize the Service. You bear full responsibility for the integrity of all information and data transmitted, disclosed, or obtained through the Service, as well as any information broadcasted by yourself or others using your mobile device.
      4. Utilize the Service in good faith and adhere to the Terms and Conditions and all relevant laws of Malaysia applicable to the Service, including but not limited to regulations from Bank Negara Malaysia (BNM), the Communication and Multimedia Act 1998, the Financial Services Act 2013, the Unclaimed Money Act 1965, and the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act (AMLATFPUAA). This includes compliance with subsidiary legislation, rules, regulations, notices, instructions, directives, or guidelines issued by governmental bodies, relevant authorities, regulatory agencies, or BizKash, which may be updated periodically.
    4. You will be responsible for any losses and costs incurred by the Revotek resulting from your breach in this Clause 4.
  6. PAYMENT AND TRANSACTIONS
    This App provides a payment portal to facilitate transactions between sellers and users. By using this portal, you agree to our Payment Terms. You are responsible for all payments made through your account, and you must ensure that your payment information is accurate and up-to-date. We reserve the right to refuse or cancel transactions in our sole and absolute discretion.
  7. AGGREGATED DATA
    Aggregate information, comprising financial account balances, other financial account data, your information including but not limited to name, email address, address, identity card number, etc, accessing third party sites which you designate for the purpose of retrieving information or other available data that is collected through your use of the Services, may be used by us, including their affiliates, to conduct certain analytical research, performance tracking, marketing and marketing program activities, and benchmarking. Unless stated otherwise herein, we may store, use, change, or display such information. We also may publish summary or aggregate results relating to metrics comprised of research data, from time to time, and distribute or license such anonymous, aggregated research data for any purpose, including but not limited to, helping to improve products and services and assisting in troubleshooting and technical support. Your personally identifiable information will not be shared with or sold to third parties. BizKash is responsible to implement reasonable measures to protect the aggregated data you provide to us. Notwithstanding any other provision of this User Agreement, use of data collected through your use of the Services for marketing and marketing program activities may include targeted marketing, meaning that specific marketing activities may be directed to a group of users, where each user meets certain pre-defined categories or characteristics. For example, a targeting marketing activity may issue a display ad for a group of users, where each user is identified as having an open credit card account through a financial institution.
  8. LICENSE AND OWNERSHIP
    BizKash application and all rights therein, including intellectual property rights, shall remain Revotek’s property or the property of its licensors. Nothing in the Terms shall be construed to grant you any rights, except for the limited license granted below.Based on your license, you shall not remove, delete or obliterate any copyright notices, proprietary labels or private legends placed upon or found within the BizKash application. You also shall not hack into, access, tamper, breach or engage in any conduct that could directly or indirectly damage, disable, overburden or circumvent any authentication or security of any host, network or account of BizKash or interfere with service to any user, host or network(s) or server(s), including, without limitation, sending a virus.
  9. MAINTENANCE AND SUPPORT
    There is no guarantee of uninterrupted service. BizKash or integrated third-party services may be temporarily unavailable due to the maintenance, certain technical difficulties, or any other events that are beyond BizKash’s control. For any inquiries, issues, or suggestions, you can reach out to the BizKash using the contact details provided below.
  10. WARRANTIES AND LIMITATION OF LIABILITY
    To the fullest extent permitted by law, in no event shall provider be liable for any direct, indirect, incidental, special, punitive, exemplary or consequential damages, including without limitation, loss of use, data, and profits, property damage or other intangible or economic loss, arising out of or related to your use or inability to use BizKash and integrated third party services. Even if provider has been advised of the possibility of such damages. Limitation above does not include BizKash‘s liability for fraud, misrepresentation and personal injury or death. You expressly acknowledge and agree that use of the BizKash or its seller services mentioned in these T&C is at your sole risk and therefore the entire risk, in particular as to satisfactory quality, performance, fitness for a particular purpose, accuracy, security and effort, remains solely with you to the fullest extent permitted by applicable law. This clause 10 applies to the extent in which this law is not contravened.
  11. DISCLAIMER
    The Services are not intended to provide legal, tax, investment, financial advice or any other professional advice. The Services, or certain portions and/or functionalities thereof, are provided as strictly educational in nature. If legal or other professional advice including financial, is required, user should consult a competent professional person. We specifically disclaim any liability, loss, or risk which is incurred as consequence, directly or indirectly, of the use and application of any of the content on this App. We are not liable for any investment decisions or any losses or damages that result from using our Services or any materials or information accessible through it. Past performance is not indicative of future results.
  12. SEVERABILITY
    If any provision of the Terms is held invalid or unenforceable to any extent, such invalidity or unenforceability shall not in any manner affect or render invalid or unenforceable other provisions of the Terms. The provision shall be enforced to the fullest extent permitted by law or deemed replaced by a provision that is valid and enforceable and that comes closest to the original intent and purpose.
  13. INSTRUCTIONS
    1. All Instructions given or Transactions carried out through the Personal Internet Banking Services using your Pass code and Security Device are irrevocable and binding on you. We rely on and act upon your instructions given or Transaction carried out.
    2. We shall be entitled to debit your Account immediately upon the completion of any Transaction.
    3. If your Instructions are received after a certain time or deadline set for certain Transactions (pursuant to our standard banking practices), the Instructions may only be carried out on the subsequent Business Day.
    4. We may at any time at our sole discretion, refrain from acting upon any Instruction or part of it or decline to carry out any such Instruction, if:-
        1. there are doubts regarding the authenticity, clarity or completeness of the Instructions;
        2. the form or content of such Instructions does not align with our prescribed requirements or policies or practices;
        3. we believe or suspect that the Instructions are unauthorised or fraudulent;
        4. there is non-compliance with these Terms and Conditions or a breach thereof on your part; or
        5. we deem appropriate in the circumstances;

      and we shall not be liable to you for any loss, liability or expenses resulting from our decision to refrain from or refusing to act in accordance with your Instructions.

    5. You agree to fully indemnify us and hold us harmless at all times against any claims, demands, actions, proceedings, loss and expenses arising from our execution of your Instructions, or our decision as we deem fit, to refuse to act on your Instructions or part thereof.
  14. CONFIDENTIAL INFORMATION
    You shall not during the Term or at any time after the expiry or termination of your Engagement for any reason whatsoever, disclose to any person or otherwise make use of any Confidential Information, and shall use your best efforts to prevent the unauthorised use or disclosure of any such information.
  15. ANTI-MONEY LAUNDERING, ANTI-TERRORISM FINANCING AND PROCEEDS OF UNLAWFUL ACTIVITIES ACT 2001 (AMLATFPUAA) & FINANCIAL SERVICES ACT 2013 (FSA)
    BizKash ensures that any information collected from you will be used and disclosed in accordance with the secrecy provisions of the Financial Services Act 2013 (FSA). BizKash shall commit to comply fully with the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 (AMLATFPUAA), including maintaining a robust anti-money laundering and counter-terrorism financing compliance program. This program includes conducting necessary due diligence on transactions involving your account, verifying the source of funds used for account reloads, and maintaining adequate customer identification information as required by AMLATFPUAA. In cases where your account is terminated due to fraudulent or unlawful activities, BizKash reserves the right to retain or release funds to relevant authorities as mandated by applicable laws, regulations, and guidelines, without liability for any resulting loss or compensation.
  16. TRADEMARK
    ‘BizKash’, BizKash logo, the names of individual Services and their logos are trademarks of Revotek Sdn. Bhd. You agree not to display or use, in any manner, the BizKash trademarks, without Revotek Sdn. Bhd.’s prior permission.
  17. USE OF COOKIES
    1. This Apps may use “cookies” to enhance your experience. Cookies are small data files placed on your device’s hard drive for record-keeping purposes, store information, such as a user ID and to help track your activity on the site. However, cookies can only contain personal information that you have voluntarily provided; cookies cannot access data from your hard drive or read other websites.
    2. If you prefer not to accept cookies, before a cookie is stored, you can decline it. You can also choose to disable cookies entirely in this App settings.
  18. NOTICE AND COMMUNICATION
    1. We can at our absolute discretion deliver any advice, notice or communication to you in any of the following manner by:-
      1. electronic mail to your last known e-mail address in our records;
      2. post (registered, AR registered, ordinary or otherwise) or delivered by hand or left at your last known address in our records;
      3. displaying the notice in ‘BizKash’; or
      4. SMS to your last known registered mobile number in our records.
    2. The notice or communication will be deemed to have been received by you on the day it was so delivered, on the day following such posting or on the day such display, publication or broadcast was made.
    3. We will not be responsible for what may happen to notices or communications after they are sent, for example if any notice or communication is delayed, intercepted, lost, fails to reach or is disclosed to any one during transit.
  19. MISCELLANEOUS
    1. Heading
      The headings in this BizKash App’s are inserted merely for convenience of reference and shall be ignored in the interpretation and construction of any of the provisions herein contained;
    2. Time is of Essence
      Time wherever mentioned shall be deemed to be of the essence of this BizKash;
    3. Writing
      Any reference to “writing” or cognate expressions, includes any communications affected by e-mail, facsimile transmission or other comparable means;
    4. Binding Effect
      These terms and conditions shall be binding upon your successors and permitted assigns. They shall also be binding upon and confer benefits upon the successors in title and assigns of BizKash;
    5. These T&C shall be read together with Bizkash’s Privacy Policy; and
    6. Language
      If there is any inconsistency, conflict, ambiguity, or discrepancy between the English version and any other translations of these T&C, the English version will prevail.
  20. COMPLAINTS AND CONTACT INFORMATION
    Your questions, complaints or claims with respect to BizKash should be directed to: Head of Customer Resolution Unit:Email Address: support@bizkash.app

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