window["callback_aHR0cHM6Ly9wYWdlcy5sYXphZGEuY29tLm15L3dvdy9nY3Avcm91dGUvbGF6YWRhL215L3Vwcl8xMDAwMzQ1X2xhemFkYS9jaGFubmVsL215L3Vwci1yb3V0ZXIvbXk/d2hfcGlkPSUyRmxhemFkYSUyRmNoYW5uZWwlMkZteSUyRmxlZ2FsJTJGeHh0UUVCWHBheg==_currency_myr_device_pc_language_en_regionId_my"]({"data":{"8871270390":{"theme":{"paddingInDesktop":0,"marginBottom":0,"marginBottomInDesktop":0,"marginTopInDesktop":12,"msitePadding":12,"marginTop":24,"__pos__":1,"__track__":"6780795.6780795.28108554.6622.1"},"content":{"contentMainId":20760783,"contentId":"17665591903220001","text":"<p>&nbsp;</p>","__pos__":1,"__track__":"6781809.6781809.28108557.6622.1"}},"9249574440":{"theme":{"contentMainId":20766058,"paddingInDesktop":0,"contentId":"17665577657590001","marginBottom":0,"marginBottomInDesktop":0,"marginTopInDesktop":12,"msitePadding":12,"marginTop":24,"__pos__":1,"__track__":"6781847.6781847.28108612.6622.1"},"content":{"contentMainId":20763785,"contentId":"17665597390930001","text":"<p>&nbsp;</p>","__pos__":1,"__track__":"6782817.6782817.28108613.6622.1"}},"7624016330":{"theme":{"msiteHeight":"350","showNavationInDesktop":false,"msite":"https://lzd-img-global.slatic.net/g/gcp/lazada/feca689d-8d6d-49b7-adac-da81688bec3d_MY-750-350.png","showGuideBook":false,"desktop":"https://lzd-img-global.slatic.net/g/gcp/lazada/5066a5ee-26fc-4263-87a3-cc3d778add1f_MY-1188-500.png","navbarBgColor":"#E22362","isSetLANavigationBarColor":false,"desktopHeight":"500","__pos__":1,"__track__":"4046579.4046579.24874451.6622.1"}},"5447767890":{"theme":{"paddingInDesktop":0,"marginBottom":0,"marginBottomInDesktop":0,"marginTopInDesktop":12,"msitePadding":12,"marginTop":24,"__pos__":1,"__track__":"6784464.6784464.28108569.6622.1"},"content":{"contentMainId":20765153,"contentId":"17665490770840001","text":"<p><span style=\"font-size: 16px;\"><strong>LAZADA WALLET USER TERMS AND CONDITIONS</strong></span></p>\n<p><span style=\"font-size: 16px;\">(last updated: December 2025)</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>Note: </strong>Notwithstanding anything to the contrary in these Terms and Conditions, the terms and conditions regarding the new withdrawal feature shall take effect immediately from the posting date.</span></p>\n<p><span style=\"font-size: 16px;\">These Terms and Conditions govern your access and use of the Lazada virtual wallet (\"Lazada Wallet\").</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>A.</strong></span></p>\n<p><span style=\"font-size: 16px;\">The Lazada Wallet is operated by AIMY Merchant Services Sdn. Bhd. (formerly known as Alipay Malaysia Sdn. Bhd.) (“AIMY”) for Ecart Services Malaysia Sdn. Bhd. (“Lazada”). </span></p>\n<p><span style=\"font-size: 16px;\">All references in these Terms and Conditions to \"we,\" \"us,\" or \"our\" shall refer to AIMY as the operator of the Lazada Wallet. “You” and “your” shall refer to the User. </span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\">The Lazada Wallet is associated with your Lazada Account and is intended for effecting payment for the purchase of goods and/or services offered on Lazada Platform (as defined below) or, subject to additional requirements, on the Taobao/Tmall Platform (as defined below) by registered Users.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\">By requesting and/or using the Lazada Wallet, you, the User, agree to be bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, please do not use the Lazada Wallet.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>B.</strong></span></p>\n<p><span style=\"font-size: 16px;\">These Terms and Conditions are in addition to the terms and conditions governing your use of the Lazada Platform and your Lazada Account available at </span><a href=\"https://www.lazada.com.my/terms-of-use/\" target=\"_self\"><span style=\"font-size: 16px;\">https://www.lazada.com.my/terms-of-use/</span></a><span style=\"font-size: 16px;\"> and where applicable the terms and conditions governing your use of the Taobao/Tmall Platform available at </span><a href=\"https://world.taobao.com/markets/all/sea/register\" target=\"_self\"><span style=\"font-size: 16px;\">https://world.taobao.com/markets/all/sea/register</span></a><span style=\"font-size: 16px;\"> or </span><a href=\"https://register.tmall.com/\" target=\"_self\"><span style=\"font-size: 16px;\">https://register.tmall.com/</span></a><span style=\"font-size: 16px;\"> .</span>&nbsp;</p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>C.</strong></span></p>\n<p><span style=\"font-size: 16px;\">These Terms and Conditions are supplemented by Lazada’s Payment Protection Policy (“Payment Protection Policy”), which give all Lazada customers the assurance of authorized payments on the Lazada Wallet. The Payment Protection Policy also sets out compensation guidelines for losses arising from any unauthorized transactions on the Lazada Wallet. The policy is available at </span><a href=\"https://www.lazada.com.my/terms-of-use/\" target=\"_self\"><span style=\"font-size: 16px;\">https://www.lazada.com.my/terms-of-use/.</span></a>&nbsp;</p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>DEFINITIONS AND INTERPRETATION</strong></span></p>\n<p><span style=\"font-size: 16px;\">Unless the context otherwise requires, the following expressions shall have the following meanings in these Terms and Conditions:</span></p>\n<ul>\n<li><span style=\"font-size: 16px;\">“AIMY” means the entity set out in the recitals to these Terms and Conditions and includes its successors and assigns.</span></li>\n<li><span style=\"font-size: 16px;\">“Foreign Language Version” is defined under clause 13.9 of these Terms and Conditions.</span></li>\n<li><span style=\"font-size: 16px;\">“Indemnitees” means AIMY's and Lazada’s respective officers, employees, directors, agents, contractors and assigns.</span></li>\n<li><span style=\"font-size: 16px;\">“Lazada” means the entity set out in the recitals to these Terms and Conditions and includes its successors and assigns.</span></li>\n<li><span style=\"font-size: 16px;\">“Lazada Account” means the online account of the User on the Lazada Platform.</span></li>\n<li><span style=\"font-size: 16px;\">\"Lazada Wallet\" is defined in the recitals to these Terms and Conditions and unless expressly set out herein shall include references to the Upgraded Lazada Wallet.</span></li>\n<li><span style=\"font-size: 16px;\">“Lazada Wallet Balance” is defined in clause 3.1 of these Terms and Conditions.</span></li>\n<li><span style=\"font-size: 16px;\">“Upgraded Lazada Wallet” is defined in clause 3.4 of these Terms and Conditions.</span></li>\n<li><span style=\"font-size: 16px;\">“Lazada Platform” is defined as the website or the mobile application (as applicable) from which you purchased the goods or services offered by sellers listed on Lazada Platform, or the Lazada group of companies.</span></li>\n<li><span style=\"font-size: 16px;\">“Payment Instrument” is defined in clause 3.3.</span></li>\n<li><span style=\"font-size: 16px;\">\"Personal Data\" is defined in Privacy Policy.</span></li>\n<li><span style=\"font-size: 16px;\">“Privacy Policy” is defined in clause 2.6.</span></li>\n<li><span style=\"font-size: 16px;\">“Promo Coupon” means, to the extent permitted by local law, a promotional coupon which is issued by Lazada to a User relating to Lazada Wallet, from time to time as a gratuity, by crediting the coupon amount into the User’s Lazada Wallet, and may be used by the relevant User to pay for goods or services on the Lazada Platform, prior to the relevant Promo Coupon’s expiry date, as determined at the sole discretion of Lazada and subject to conditions as may be imposed by Lazada from time to time. A Promo Coupon is not legal tender, is not considered electronic money and is not transferable.</span></li>\n<li><span style=\"font-size: 16px;\">“Refund Coupon” means a Lazada store credit, given by Lazada when refunding a User’s previous purchase of goods or services on the Lazada Platform or where applicable on the Taobao/Tmall Platform and subject to conditions as may be imposed by Lazada from time to time. A Refund Coupon is not legal tender, is not considered electronic money and is not transferable.</span></li>\n<li><span style=\"font-size: 16px;\">“Registration Information” is defined under clause 2.1 of these Terms and Conditions and may include Personal Data.</span></li>\n<li><span style=\"font-size: 16px;\">“Standard CDD Checks” is defined under clause 3.7.</span></li>\n<li><span style=\"font-size: 16px;\">“Taobao/Tmall Platform” means the overseas e-commerce website world.taobao.com and/or its mobile application (as applicable).</span></li>\n<li><span style=\"font-size: 16px;\">“Taobao/Tmall Operator” means the operator of the Taobao/Tmall Platform, namely Zhejiang Taobao Network Co., Ltd., and/or its affiliate which shall include its successors and assigns.</span></li>\n<li><span style=\"font-size: 16px;\">“User” means an authorized user of the Lazada Wallet.</span></li>\n</ul>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>1. ACCESS TO THE LAZADA WALLET</strong></span></p>\n<p><span style=\"font-size: 16px;\"><strong>1.1</strong> You agree to:</span></p>\n<p><span style=\"font-size: 16px;\"><strong>1.1.1</strong> use your Lazada Wallet only for lawful purposes and in a lawful manner at all times and further agree to conduct any activity relating to the Lazada Wallet in good faith;</span></p>\n<p><span style=\"font-size: 16px;\"><strong>1.1.2 </strong>comply with any and all guidelines, notices, operating rules, and policies and instructions pertaining to the use of the Lazada Wallet, as well as any amendments thereto issued by us from time to time; and</span></p>\n<p><span style=\"font-size: 16px;\"><strong>1.1.3 </strong>ensure that any information or data you provide to us in connection with the Lazada Wallet is accurate.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>1.2</strong> It is our policy to prohibit and actively pursue the prevention of money laundering and any activity that facilitates money laundering or the financing of terrorist or criminal activities. We are committed to anti-money laundering compliance in accordance with applicable law and requires our directors, officers and employees to adhere to these standards in preventing the use of our products and services for money laundering purposes.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>1.3 </strong>Use of the Lazada Wallet is restricted to registered users of the Lazada Platform.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>1.4</strong> By using the Lazada Wallet, you agree to comply with all applicable laws and regulations in Malaysia, including not undertaking or engaging in any dealing or transaction with the State of Israel, its residents or any entity owned or controlled, directly or indirectly, by the State of Israel or its residents including any authority or agency of the State of Israel.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>2. REGISTRATION</strong></span></p>\n<p><span style=\"font-size: 16px;\"><strong>2.1</strong> The registration process for the Lazada Account requires you to provide Lazada with accurate and complete personal information, which may include your name, national registration identity card or passport number, address, telephone number, date of birth, email address, nationality and any other information as may be deemed necessary by us (\"Registration Information\"). You shall be responsible to update the Registration Information to ensure its completeness and accuracy. You acknowledge and agree that Lazada may share your Registration Information with us from time to time.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>2.2 </strong>In addition to such Registration Information, we may request for additional information or documentation at any time and for any reason, including confirming your identity, age and/or to confirm your bank details or debit, credit, prepaid facilities, for example, cards which you have registered with us. You agree that you will provide such information and/or documentation promptly to us upon request. If you do not provide such information and/or documentation promptly, we may, without any liability to you, either limit your use of the Lazada Wallet or suspend or close your Lazada Wallet.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>2.3</strong> You authorize us to make any enquiries we consider necessary to validate and verify your identity (whether directly or through third parties) at any time for any reason whatsoever, including making any enquiries on behalf of Lazada to process any refunds, including Refund Coupons, payable to you.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>2.4</strong> You agree that you shall be allowed to register and maintain only one (1) Lazada Wallet.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>2.5</strong> You are solely responsible for keeping your username and password to your Lazada Wallet secure. You are encouraged to change your password on a regular basis and we will not be liable for any disclosure or unauthorised use of your username or password. If your username or password has been compromised, you must inform Lazada immediately.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>2.6 </strong>All Personal Data provided to us will be handled, stored, and processed according to our Privacy Policy for Lazada Wallet and is set out at</span><a href=\"https://pages.lazada.com.my/wow/i/my/MYCampaign/lazada-wallet-privacy-policy\" target=\"_self\"><span style=\"font-size: 16px;\"> https://pages.lazada.com.my/wow/i/my/MYCampaign/lazada-wallet-privacy-policy</span></a><span style=\"font-size: 16px;\">  (“Privacy Policy”). By accepting these Terms and Conditions, you acknowledge that you have read and agree with the Privacy Policy and consent to our collection, use and disclosure of your Personal Data for the purposes as set out in the Privacy Policy.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>3. LAZADA WALLET TYPE, BALANCE &amp; FUNCTIONS</strong></span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.1</strong> You may maintain funds in your Lazada Wallet, and such funds, less any monies owed to us, will be regarded as the balance of your Lazada Wallet (“Lazada Wallet Balance”). Your Lazada Wallet may also contain your Promo Coupon or your Refund Coupon. These Coupons are not considered electronic money and are not part of your Lazada Wallet Balance.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.2</strong> The following limits will apply to your Lazada Wallet (without Standard CDD Checks):</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.2.1 </strong>Lazada Wallet Limit: Ringgit Malaysia 2,999 (RM2,999);</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.2.2</strong> Lazada Wallet Per Transaction Limit: Ringgit Malaysia 2,999 (RM2,999);</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.2.3</strong> Lazada Wallet Monthly Cumulative Transaction Limit: Ringgit Malaysia 4,999 (RM4,999); and</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.2.4</strong> Lazada Wallet Annual Cumulative Transaction Limit: Ringgit Malaysia 59,999 (RM59,999).</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.3</strong> Funds can be accumulated in your Lazada Wallet Balance by means of a transfer of funds from certain payment instruments we accept (including credit cards, debit cards, banking account or other payment method we allow, collectively, \"Payment Instruments\").</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.4 </strong>You may choose to subscribe for an upgraded version Lazada Wallet (“Upgraded Lazada Wallet”).</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.5 </strong>The following limits will apply to your Upgraded Lazada Wallet:</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.5.1</strong> Lazada Wallet Limit: Ringgit Malaysia 25,000 (RM25,000);</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.5.2 </strong>Lazada Wallet Per Transaction Limit: Ringgit Malaysia 9,999 (RM9,999);</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.5.3</strong> Lazada Wallet Monthly Cumulative Transaction Limit: Ringgit Malaysia 200,000 (RM200,000); and</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.5.4</strong> Lazada Wallet Annual Cumulative Transaction Limit: Ringgit Malaysia 500,000 (RM500,000).</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.6</strong> You may be able to enjoy the following additional features with Upgraded Lazada Wallet when made available by us:</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.6.1</strong> Making payment for the purchase of goods and/or services offered on the Lazada Platform and Taobao/Tmall Platform;</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.6.2</strong> Maximum number of withdrawals is two times with a total maximum amount of RM1,000 limit in a calendar month. The amount withdrawn from your Upgraded Lazada Wallet can only be transferred to your own banking account.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.7</strong> Subscribing to the Upgraded Lazada Wallet is subject to Standard Customer Due Diligence Checks including e-KYC solution (“Standard CDD Checks”) for the purpose of establishing and verifying your identity as required by applicable laws, regulations, notices and guidelines. For such Standard CDD Checks, you will be required to provide information, including your full name, NRIC number / passport number / reference number of any other official documents, residential and mailing address, date of birth, nationality, occupation type, name of employer / nature of self-employment /nature of business, contact number (home, office or mobile), purpose of transaction, any other information as required by the customer due diligence measures implemented by us, or any other information as may be deemed necessary by us. We reserve the right to reject any request to enable Upgraded Lazada Wallet by a User at our absolute discretion without assigning any reasons whatsoever, and our decision in this regard will be final and conclusive.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.8</strong> For any transfer from a Payment Instrument to your Lazada Wallet Balance, we make no representation that any of your Payment Instrument(s) are in good standing, or that the issuer of your Payment Instruments will authorise or approve such transfer.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.9</strong> Unless otherwise stated, both you and Lazada are not liable for any fees raised by third parties including card issuers or banks, associated with funding your Lazada Wallet Balance. However, we reserve the right to decline acceptance of any payment instruments, including credit cards, debit cards or bank accounts, as funding methods at our sole discretion.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.10</strong> We reserve the right to impose limits on your use of Lazada Wallet from time to time, including (i) the amount of value you may load your Lazada Wallet at any one time; and (ii) the aggregate funds loaded to your Lazada Wallet over any time period.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>3.11</strong> Details relating to the use of your Lazada Wallet including transactions made and balance remaining in your Lazada Wallet can be found on the Lazada Platform and where applicable the Taobao/Tmall Platform.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>4. USING YOUR LAZADA WALLET</strong></span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.1</strong> You may use your Lazada Wallet to purchase goods and/or services through the Lazada Platform or where applicable, Taobao/Tmall Platform. For security reasons, we may limit the amount or number of transactions you can make through your Lazada Wallet. We may require that you submit additional identification documents prior to you making a purchase at our sole discretion.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.2</strong> Each time you use your Lazada Wallet, you authorize us to reduce the value available in your Lazada Wallet Balance by the total amount of the transaction and where applicable, any fees, including shipping fees, payment fees, and all applicable taxes. For making payment on Lazada Platform, the amount of any purchases will first be applied to any Promo Coupons or Refund Coupons (based on the earliest expiry date for each such Promo Coupon or Refund Coupon) which are available in your Lazada Wallet. You can only make payments using your Lazada Wallet to the extent that you have Lazada Wallet Balance to support those transactions. You are not allowed to make purchases in excess of your Lazada Wallet Balance. We will not extend credit in connection with your use of your Lazada Wallet, and you must repay us immediately if your Lazada Wallet Balance is ever less than zero for whatever reason.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.3</strong> You are responsible for all transactions initiated and fees incurred by using your Lazada Wallet. If other persons access your Lazada Wallet, we will treat this as if you have authorized such use and you will be responsible for any transactions made and fees incurred by such use.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.4</strong> You must notify us immediately of any unauthorized use of Lazada Wallet or any other breach of security regarding the Lazada Wallet of which you have knowledge. You must report any such activities within ninety (90) days for any claims for unauthorized use of your Lazada Wallet to be valid for consideration under Payment Protection Policy.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.5 </strong>You shall ensure that you download the Lazada Mobile Application from the authorized Apple App Store or Google Play and Taobao/Tmall mobile application from the authorized application store.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.6</strong> For access and usage of Lazada Wallet via the Lazada mobile application and/or Taobao/Tmall mobile application, you must ensure that you shall not install or use the mobile application on a jail-broken or rooted device. Unauthorised modifications to any mobile devices’ operating systems can cause security issues to the hacked devices. We shall not be liable for any losses suffered by you or for any costs that you might incur due to damage or corrupted or failure of device, hardware or software that you use in connection with the mobile application.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.7</strong> Notwithstanding anything to the contrary under Payment Protection Policy, you agree that we will not compensate you for any loss resulting from any claims for unauthorized use of your Lazada Wallet under any of the following events, as determined at our sole and absolute discretion:</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.7.1</strong> where any such claims relate to transactions that are found to be conducted on your trusted device, your IP address or any other user‐acceptable boundaries;</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.7.2</strong> where you have acted fraudulently or with negligence, including but not limited to cases where you have wilfully disclosed your Lazada Wallet log-in details to a third party;</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.7.3</strong> if you fail to provide us with any relevant documentation as reasonably requested by us in relation to any such unauthorized transactions;</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.7.4 </strong>where any funds in your Lazada Wallet are subject to legal process or other encumbrance restricting transfer;</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.7.5</strong> where any such transactions are took place under circumstances beyond our control, including but not limited to natural disasters, civil unrest etc. which are beyond reasonable control; and/or</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.7.6</strong> where any terminal or system (including our or Lazada’s website or services) was not working properly or suffering any other technical malfunction before you initiated the relevant transaction.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.8</strong> Subject to clauses 3.6, 3.7, 5 and 6.5, no redemption of cash, transfer of funds or cash withdrawal is permitted in respect of any amounts on your Lazada Wallet. For manual withdrawal, you can go to </span><a href=\"http://xform.lazada.com.my/form/show.do?envUserType=buyer\" target=\"_self\"><span style=\"font-size: 16px;\">http://xform.lazada.com.my/form/show.do?envUserType=buyer.</span></a>&nbsp;</p>\n<p><span style=\"font-size: 16px;\"><strong>4.9</strong> We shall have the right to refuse any transaction on your Lazada Wallet if:</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.9.1</strong> the transaction does not satisfy these Terms and Conditions or the terms and conditions of your Lazada Account; or</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.9.2</strong> where we have reason to believe that the transaction may violate any laws, rules or regulations or may otherwise subject us or any of our affiliates to liability or obligation.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.9.3</strong> such transaction involving the use of any Promo Coupon or Refund Coupon where we or Lazada suspects any coupon abuse or fraud or any illegal activities in relation to your Lazada Wallet.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.10</strong> When using your Lazada Wallet to pay for a purchase on the Lazada Platform or where applicable the Taobao/Tmall Platform, payments may be processed through accounts owned by us or one of our affiliates and/or a registered third party service provider acting on our behalf.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.11 </strong>For each purchase transaction you make on the Lazada Platform or where applicable the Taobao/Tmall Platform, we will transfer funds from your Lazada Wallet when the first of any of the following events occurs:</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.11.1</strong> we receive confirmation of a successful completion of the purchase from Lazada or where applicable Taobao/Tmall Operator;</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.11.2</strong> you fail to confirm receipt of the goods or services within the time limit prescribed under the terms and conditions of the Lazada Platform or where applicable the Taobao/Tmall Platform, in which case you will be deemed to have received the goods or services;</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.11.3</strong> the conclusion of any settlement agreement or dispute between you and any other user of the Lazada Platform and/or Lazada and/or where applicable the Taobao/Tmall Platform, in which case the funds will be disposed in accordance with such settlement agreement or dispute resolution; or</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.11.4 </strong>Lazada or any of its affiliates, or us or any of our affiliates, or Taobao/Tmall Operator or any of its affiliates receives any order, ruling, award or judgment from a competent court, arbitration tribunal or authority which directs us to release the funds, in which case the funds will be disposed in accordance with such order, ruling, award or judgment.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.12 </strong>When releasing any funds, we shall have the right to deduct or withhold any financial charges or service fees due and payable to us and/or Lazada and/or where applicable Taobao/Tmall Operator in such amounts as instructed by Lazada or Taobao/Tmall Operator.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.13</strong> If you experience any difficulties with your Lazada Wallet, please contact us at</span><a href=\"https://www.lazada.com.my/contact/\" target=\"_self\"><span style=\"font-size: 16px;\"> https://www.lazada.com.my/contact/</span></a><span style=\"font-size: 16px;\"> . If you have placed an order on the Lazada Platform and experience difficulties with your order, please contact customer service </span><a href=\"https://www.lazada.com.my/contact/\" target=\"_self\"><span style=\"font-size: 16px;\">https://www.lazada.com.my/contact/</span></a><span style=\"font-size: 16px;\">. If you have placed an order on t he Taobao/Tmall Platform and experience difficulties with your order, please contact customer service </span><a href=\"https://world.taobao.com/helper\" target=\"_self\"><span style=\"font-size: 16px;\">https://world.taobao.com/helper</span></a><span style=\"font-size: 16px;\"> .</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.14</strong> You shall complete any purchases in accordance with the applicable terms and conditions of the Lazada Platform </span><a href=\"https://www.lazada.com.my/terms-of-use\" target=\"_self\"><span style=\"font-size: 16px;\">https://www.lazada.com.my/terms-of-use</span></a><span style=\"font-size: 16px;\"> , which may be amended from time to time at Lazada’s discretion without notice, and/or where applicable, terms and conditions of the Taobao/Tmall Platform, which may be amended from time to time at Taobao/Tmall Operator’s discretion without notice.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.15</strong> You agree to give all notices, provide all necessary information, materials and approvals, and render all reasonable assistance and cooperation necessary for us to operate your Lazada Wallet. If your failure to do so results in any delay in any transaction on your Lazada Wallet, neither we nor Lazada shall be liable for any loss or damages arising from such delay.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>4.16</strong> You acknowledge and agree that we are not a bank or remittance agent and the services we provide to you in connection with your Lazada Wallet should in no way be construed as the provision of banking services or remittance services. We are not acting as a trustee, fiduciary or escrow with respect to your Lazada Wallet Balance.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>5. REFUNDS</strong></span></p>\n<p><span style=\"font-size: 16px;\"><strong>5.1</strong> If, having purchased goods or services on the Lazada Platform or where applicable the Taobao/Tmall Platform, you are subsequently entitled to a refund for any reason in respect of such goods or services, you agree that the refund will be processed (i) by issuing a Refund Coupon to your Lazada Wallet or crediting the refund back to your Lazada Wallet Balance in accordance with the refund process implemented by us; and (ii) where the purchase was made using a credit card by crediting the refund to the same credit card. In the case of (ii), if the refund cannot be credited back to the same credit card, the refund will be credited to your Lazada Wallet. We may require you to provide additional information prior to processing any refund.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>5.2</strong> You may be required to activate the Lazada Wallet in order for you to receive the refund to be credited to your Lazada Wallet.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>5.3</strong> A Refund Coupon is (i) not legal tender; (ii) not considered electronic money; (iii) not transferable; and (iv) subject to Lazada terms and conditions.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>6. CLOSURE AND NON-USE OF YOUR LAZADA WALLET</strong></span></p>\n<p><span style=\"font-size: 16px;\"><strong>6.1</strong> You may request that we close your Lazada Wallet at any time by contacting our customer support team. Contact details of the customer support team are available at </span><a href=\"https://www.lazada.com.my/contact/\" target=\"_self\"><span style=\"font-size: 16px;\">https://www.lazada.com.my/contact/</span></a><span style=\"font-size: 16px;\"> .</span></p>\n<p><span style=\"font-size: 16px;\"><strong>6.2</strong> We may, at any time and at our absolute and sole discretion:</span></p>\n<p><span style=\"font-size: 16px;\"><strong>6.2.1</strong> discontinue your use of the Lazada Wallet or any part thereof;</span></p>\n<p><span style=\"font-size: 16px;\"><strong>6.2.2</strong> close your Lazada Wallet; and/or</span></p>\n<p><span style=\"font-size: 16px;\"><strong>6.2.3</strong> reactivate your Lazada Wallet upon the completion of any relevant internal investigations (where applicable).</span></p>\n<p><span style=\"font-size: 16px;\"><strong>6.3</strong> We shall endeavour to provide notice of any such discontinuation or closure of your Lazada Wallet. You agree that we shall not be liable to you in relation to any inability of yours to access your Lazada Wallet or any part thereof.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>6.4</strong> Closure of your Lazada Wallet will not cancel any cleared transactions, which you have already undertaken.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>6.5</strong> If your Lazada Wallet is closed for any reason, we will contact you to arrange for the refund of any residual electronic funds in that Lazada Wallet as set out in clause 6.6. In no event shall you be entitled to any refund in respect of any Lazada Wallet Balance attributable to Promo Coupons.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>6.6</strong> You remain liable for all obligations related to your Lazada Wallet. Closure of your Lazada Wallet does not relieve you of any liability pertaining to your Lazada Wallet. In the event of a pending investigation at the time your Lazada Wallet is closed, we may continue to hold your funds for up to one hundred and eighty (180) days from the date of closure in order to protect us against any loss. If we suspect that you have used your Lazada Wallet for any illegal purposes, we may hold any outstanding Lazada Wallet Balance for such time as we determine in our absolute discretion or as required by law.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>6.7</strong> We will refund any electronic funds in your Lazada Wallet as soon as practicable after its closure through any payment method we deem in our discretion most suitable, on the condition that you provide us with:</span></p>\n<p><span style=\"font-size: 16px;\"><strong>6.7.1</strong> valid bank account details where the name and address details of that bank account's holder match the name and address details of your Lazada Wallet; and</span></p>\n<p><span style=\"font-size: 16px;\"><strong>6.7.2 </strong>request for additional information and/or documentation where we deem necessary and in accordance with any regulatory or legal requirement.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>6.8 </strong>We have the right not to return to you any disputed funds or any funds which relate to a breach of these Terms and Conditions until such time such a dispute has been resolved or where a court of a competent jurisdiction has decided on the matter.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>6.9</strong> We reserve the right to carry out any necessary money laundering, terrorism financing, fraud or any other illegal activity checks before authorizing any withdrawal of your funds, including returning any funds to you after your Lazada Wallet has closed or before any refunds are processed.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>7. AMENDMENTS</strong></span></p>\n<p><span style=\"font-size: 16px;\">We may amend these Terms and Conditions any time by posting an updated version at </span><a href=\"https://www.lazada.com.my/terms-of-use/\" target=\"_self\"><span style=\"font-size: 16px;\">https://www.lazada.com.my/terms-of-use/</span></a><span style=\"font-size: 16px;\"> . The updated version of these Terms and Conditions shall take effect 21 days from the posting date. Each time you use your Lazada Wallet you confirm that you agree to be bound by these Terms and Conditions as may be amended from time to time.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>8. AVAILABILITY OF LAZADA WALLET</strong></span></p>\n<p><span style=\"font-size: 16px;\">We may, from time to time and upon giving at least 21 days’ notice to you, upgrade, modify, suspend or discontinue the provision of your Lazada Wallet and in such an event we shall not be liable if any such upgrade, modification or suspension prevents you from accessing your Lazada Wallet or any part of it. Notwithstanding the above, we reserve the right to suspend or discontinue the provision of the Lazada Wallet without any prior notice in the event of suspected fraud or AML breaches or for scheduled system maintenance.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>9. REPRESENTATIONS AND WARRANTIES</strong></span></p>\n<p><span style=\"font-size: 16px;\">By accepting these Terms and Conditions, you represent and warrant that you are at least 18 years of age and not violating any applicable laws or regulations through your use of your Lazada Wallet, and you agree to defend, indemnify and hold us, our Indemnitees, affiliates and authorized representatives harmless from any claim, demand (including legal fees and costs), fines, penalties or other liability incurred by us due to or arising out of your breach of this representation and warranty. We may report any suspicious activity to the relevant authorities.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>10. RESTRICTED ACTIVITIES</strong></span></p>\n<p><span style=\"font-size: 16px;\"><strong>10.1</strong> In connection with your use of your Lazada Wallet, you shall not:</span></p>\n<p><span style=\"font-size: 16px;\"><strong>10.1.1 </strong>Provide false, inaccurate or misleading information;</span></p>\n<p><span style=\"font-size: 16px;\"><strong>10.1.2</strong> Use your Lazada Wallet for any illegal activities;</span></p>\n<p><span style=\"font-size: 16px;\"><strong>10.1.3</strong> Use your Lazada Wallet in a manner that may result in complaints, disputes, claims, penalties or other liability to us, other users or third parties or may be regarded as an abuse of the card system or a violation of card association or network rules; or</span></p>\n<p><span style=\"font-size: 16px;\"><strong>10.1.4</strong> Breach these Terms and Conditions and/or the Privacy Policy or violate any applicable laws and regulations.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>10.2</strong> If we, in our sole discretion, believe that you may have engaged in the above restricted activities, we may take various actions, including the following:</span></p>\n<p><span style=\"font-size: 16px;\"><strong>10.2.1</strong> We may suspend or restrict your access to and/or close your Lazada Wallet;</span></p>\n<p><span style=\"font-size: 16px;\"><strong>10.2.2</strong> We may terminate these Terms and Conditions and refuse to provide the services to you;</span></p>\n<p><span style=\"font-size: 16px;\"><strong>10.2.3 </strong>We may place a hold on your Lazada Wallet Balance for up to 180 days if reasonably needed to protect against the risk of liability; or</span></p>\n<p><span style=\"font-size: 16px;\"><strong>10.2.4</strong> We may take legal action against you.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>10.3</strong> If you are below 18 years old you must obtain consent from your parent(s) or legal guardian(s). By consenting to your acceptance of these Terms and Conditions, your parent(s) or legal guardian(s) are agreeing to take responsibility for: (i) your actions in your use of the Lazada Wallet; (ii) any charges associated with your use of any of the Lazada Wallet; and (iii) your compliance with these Terms and Conditions. If you do not have consent from your parent(s) or legal guardian(s), you must cease using the Lazada Wallet.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>11. DISCLAIMER</strong></span></p>\n<p><span style=\"font-size: 16px;\"><strong>11.1</strong> You agree that all risks arising from your use of the Lazada Wallet will be borne by you.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>11.2</strong> We make no warranty that:</span></p>\n<p><span style=\"font-size: 16px;\"><strong>11.2.1</strong> the Lazada Wallet will meet your requirements;</span></p>\n<p><span style=\"font-size: 16px;\"><strong>11.2.2</strong> the Lazada Wallet services will be uninterrupted, timely or error free; or</span></p>\n<p><span style=\"font-size: 16px;\"><strong>11.2.3</strong> any products, information or material purchased by you using the Lazada Wallet will meet your requirements.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>11.3</strong> Except as expressly provided in these Terms and Conditions and to the fullest extent permitted by law, the Lazada Wallet and related services are provided “as is”, “as available” and “with all faults”. All such warranties, representations, conditions, undertakings and terms, whether express or implied, are hereby excluded.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>11.4</strong> To the fullest extent permitted by law, we and our affiliates shall not be liable for any indirect, consequential, incidental, special or punitive damages, including 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 Lazada Wallet and related services. In any event, our total aggregate liability to you under these Terms and Conditions or in relation to your use of the Lazada Wallet will not exceed your Lazada Wallet Balance at the point in time when such liability arose.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>11.5 </strong>Some jurisdictions do not allow the exclusion of implied warranties or the limitation or exclusion of liability for incidental or consequential damages, so the foregoing exclusions or limitations may not apply to you. You may also have other rights that vary by jurisdiction and other jurisdictions.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>11.6 </strong>In the event that it is demonstrated that you are below the age of 18 when you agreed to these Terms and Conditions, we shall not be liable for any loss suffered by you arising out of the use of the Lazada Wallet.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>12. NOTICES</strong></span></p>\n<p><span style=\"font-size: 16px;\">12.1 Notices from us</span></p>\n<p><span style=\"font-size: 16px;\"><strong>12.1.1</strong> You agree that all notices or other communications from us are deemed to have been given to you if:</span></p>\n<p><span style=\"font-size: 16px;\">(i) communicated through any print or electronic media as we may select from time to time, will be deemed to be notified to you on the date of publication or broadcast; or</span></p>\n<p><span style=\"font-size: 16px;\">sent by post or left at your last known address, received by you on the day following such posting or on the day when it was so left.</span></p>\n<p><span style=\"font-size: 16px;\">12.2 Notices from you</span></p>\n<p><span style=\"font-size: 16px;\">You may only give notice to us in writing sent to our designated address or e-mail address (as may be amended from time to time), and we shall be deemed to have received such notice only upon receipt. While we endeavour to respond promptly to notices from you, we cannot guarantee that we will always respond with consistent speed.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>12.3 Other modes of notifications</strong></span></p>\n<p><span style=\"font-size: 16px;\"><strong>12.3.1</strong> Notwithstanding Clauses 12.1 and 12.2, we may from time to time designate other acceptable modes of giving notice (including but not limited to e-mail or other forms of electronic communication) and the time or event by which such notice shall be deemed given.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>13. GENERAL TERMS</strong></span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.1 Cumulative rights and remedies</strong></span></p>\n<p><span style=\"font-size: 16px;\">Unless otherwise provided under these Terms and Conditions, the provisions of these Terms and Conditions and our rights and remedies under these Terms and Conditions are cumulative and are without prejudice and in addition to any rights or remedies we may have in law or in equity, and no exercise by us of any one right or remedy under these Terms and Conditions, or at law or in equity, shall (save to the extent, if any, provided expressly in these Terms and Conditions or at law or in equity) operate so as to hinder or prevent our exercise of any other such right or remedy at law or in equity.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.2 No waiver</strong></span></p>\n<p><span style=\"font-size: 16px;\">Our failure to enforce these Terms and Conditions shall not constitute a waiver of these terms, and such failure shall not affect our right to later enforce these Terms and Conditions.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.3 Severability</strong></span></p>\n<p><span style=\"font-size: 16px;\">If at any time any provision of these Terms and Conditions become illegal, invalid or unenforceable in any respect, the legality, validity and enforceability of the remaining provisions of these Terms and Conditions shall not be affected or impaired thereby, and shall continue in force as if such illegal, invalid or unenforceable provision was severed from these Terms and Conditions.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.4 Rights of third parties</strong></span></p>\n<p><span style=\"font-size: 16px;\">A person or entity who is not a party to these Terms and Conditions shall have no right to enforce any term of these Terms and Conditions, regardless of whether such person or entity has been identified by name, as a member of a class or as answering a particular description. For the avoidance of doubt, nothing in this clause shall affect the rights of any permitted assignee or transferee of these Terms and Conditions.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.5 Governing law</strong></span></p>\n<p><span style=\"font-size: 16px;\">Use of the Lazada Wallet, and these Terms and Conditions shall be governed by and construed in accordance with Malaysian law and you hereby submit to the exclusive jurisdiction of the Malaysian courts.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.6 Disputes</strong></span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.6.1</strong> If any dispute or claim arises from or in connection with these Terms and Conditions or your use of your Lazada Wallet (“Dispute”), the relevant parties shall first attempt to resolve the Dispute through amicable negotiations. You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.6.2</strong> In any event and to the fullest extent permitted by applicable law, you may not make any claim against the Indemnitees under these Terms and Conditions after one year from the date of occurrence of the matter giving rise to the claim.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.7 Injunctive relief</strong></span></p>\n<p><span style=\"font-size: 16px;\">We may seek immediate injunctive relief if we make a good faith determination that a breach or non-performance is such that a temporary restraining order or other immediate injunctive relief is an appropriate or adequate remedy.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.8 Correction of errors</strong></span></p>\n<p><span style=\"font-size: 16px;\">Any typographical, clerical or other error or omission in any acceptance, invoice or other document on our part shall be subject to correction without any liability on our part.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.9 Language</strong></span></p>\n<p><span style=\"font-size: 16px;\">In the event that these Terms and Conditions is executed or translated in any language other than English (\"Foreign Language Version\"), to the extent allowed under law, the English language version of these Terms and Conditions shall govern and shall take precedence over the Foreign Language Version.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.10 Entire agreement</strong></span></p>\n<p><span style=\"font-size: 16px;\">These Terms and Conditions shall constitute the entire agreement between you and us relating to the subject matter hereof and supersedes and replaces in full all prior understandings, communications and agreements with respect to the subject matter hereof.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.11 Binding and conclusive</strong></span></p>\n<p><span style=\"font-size: 16px;\">You acknowledge and agree that any records (including records of any telephone conversations relating to the Lazada Wallet, if any) maintained by us and/or our service providers relating to or in connection with the Lazada Wallet shall be binding and conclusive on you for all purposes whatsoever and shall be conclusive evidence of any information and/or data transmitted between us and you. You hereby agree that all such records are admissible in evidence and that you shall not challenge or dispute the admissibility, reliability, accuracy or the authenticity of such records merely on the basis that such records are in electronic form or are the output of a computer system, and you hereby waive any of your rights, if any, to so object.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.12 Sub-contracting and delegation</strong></span></p>\n<p><span style=\"font-size: 16px;\">We reserve the right to delegate or sub-contract the performance of any of our functions or obligations in connection with Lazada Wallet to any service provider, subcontractor and/or agent on such terms as we may deem appropriate.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.13 Assignment</strong></span></p>\n<p><span style=\"font-size: 16px;\">You may not assign your rights or transfer your obligations under these Terms and Conditions without our prior written consent. We may assign our rights or transfer our obligations under these Terms and Conditions to any third party at our sole discretion.</span></p>\n<p><span style=\"font-size: 16px;\"><strong>13.14 Force Majeure</strong></span></p>\n<p><span style=\"font-size: 16px;\">We shall not be liable for non-performance, error, interruption or delay in the performance of our obligations under these Terms and Conditions (or any part thereof) or for any inaccuracy, unreliability or unsuitability of Lazada Wallet if this is due, in whole or in part, directly or indirectly to an event or failure which is beyond our reasonable control.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>14. INQUIRIES OR COMPLAINTS</strong></span></p>\n<p><span style=\"font-size: 16px;\"><strong>14.1</strong> For further information, enquiries or complaint on the service, you may contact us at </span><a href=\"https://www.lazada.com.my/contact/\" target=\"_self\"><span style=\"font-size: 16px;\">https://www.lazada.com.my/contact/</span></a>&nbsp;</p>\n<p><span style=\"font-size: 16px;\"><strong>14.2</strong> If the reply to your query or complaint is not satisfactory to you, you may contact the following bodies:</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>Bank Negara Malaysia</strong></span></p>\n<p><span style=\"font-size: 16px;\">Laman Informasi Nasihat dan Khidmat (LINK)</span></p>\n<p><span style=\"font-size: 16px;\">Ground Floor, D Block</span></p>\n<p><span style=\"font-size: 16px;\">Jalan Dato' Onn</span></p>\n<p><span style=\"font-size: 16px;\">50480 Kuala Lumpur</span></p>\n<p><span style=\"font-size: 16px;\">Contact Centre (BNMTELELINK)</span></p>\n<p><span style=\"font-size: 16px;\">Tel : 1-300-88-5465</span></p>\n<p><span style=\"font-size: 16px;\">(Overseas: 603-2174-1717)</span></p>\n<p><span style=\"font-size: 16px;\">Fax: 603-2174-1515</span></p>\n<p><span style=\"font-size: 16px;\">Email: bnmtelelink@bnm.gov.my</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>Ombudsman for Financial Services (664393P)</strong></span></p>\n<p><span style=\"font-size: 16px;\">(formerly known as Financial Mediation Bureau)</span></p>\n<p><span style=\"font-size: 16px;\">14th Floor, Main Block</span></p>\n<p><span style=\"font-size: 16px;\">Menara Takaful Malaysia</span></p>\n<p><span style=\"font-size: 16px;\">No. 4, Jalan Sultan Sulaiman</span></p>\n<p><span style=\"font-size: 16px;\">50000 Kuala Lumpur</span></p>\n<p><span style=\"font-size: 16px;\">Tel : 603-2272 2811</span></p>\n<p><span style=\"font-size: 16px;\">Fax: 603-2272 1577</span></p>\n<p><span style=\"font-size: 16px;\">Email : enquiry@ofs.org.my</span></p>\n","__pos__":1,"__track__":"6785374.6785374.28111091.6622.1"}},"7772296800":{"theme":{"paddingInDesktop":0,"marginBottom":0,"marginBottomInDesktop":0,"marginTopInDesktop":12,"msitePadding":12,"marginTop":24,"__pos__":1,"__track__":"6782803.6782803.28110602.6622.1"},"content":{"contentMainId":20759854,"contentId":"17665607448580001","text":"<p>&nbsp;</p>","__pos__":1,"__track__":"6780814.6780814.28109583.6622.1"}},"8999958750":{"theme":{"layout":"1","bannerNoMargin":false,"bannerRadius":"12","displayType":"XBanner","bgColor":"transparent","desktopLayout":"1","marginBottom":"0","desktopHeight":"80","marginBottomInDesktop":"12","marginTopInDesktop":"12","marginTop":"24","height":"80","__pos__":1,"__track__":"4049130.4049130.24875044.6622.1"},"bannerData":[{"img":"https://lzd-img-global.slatic.net/g/gcp/lazada/a4d01d9f-514f-41be-a547-67aa13649fdf_MY-750-80.png","imgPC":"https://lzd-img-global.slatic.net/g/gcp/lazada/8a632faf-e093-440a-a51e-7019de8e96bf_MY-1188-80.png","__pos__":1,"__track__":"4046580.4046580.24875043.6622.1"},{"img":"https://lzd-img-global.slatic.net/g/gcp/lazada/28ef91b4-bb55-48aa-9e18-24798b198c19_MY-750-80.png","imgPC":"https://lzd-img-global.slatic.net/g/gcp/lazada/cfd7dc03-7abd-42f0-8ef2-be93c13ea34c_MY-1188-80.png","__pos__":2,"__track__":"4046580.4046580.24875043.6622.2"}],"moqieDataWl":{}},"4575160420":{"theme":{"paddingInDesktop":0,"marginBottom":0,"marginBottomInDesktop":0,"marginTopInDesktop":12,"msitePadding":12,"marginTop":24,"__pos__":1,"__track__":"6784456.6784456.28110581.6622.1"},"content":{"contentMainId":20762845,"contentId":"17665627550530001","text":"<p><span style=\"font-size: 16px;\"><strong>Lazada Wallets</strong></span></p>\n<p><span style=\"font-size: 16px;\">(Please note that this FAQ is a user’s guide and is to be read together with the LAZADA WALLET USER TERMS AND CONDITIONS below)</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>1. What is Lazada Wallet?</strong></span></p>\n<img src=\"https://img.lazcdn.com/us/lazgcp/a5d40489-c43e-471f-af4f-88582751313d_ALL-554-523.jpg\" alt=\"undefined\" style=\"height: auto;width: auto\"/>\n<p><span style=\"font-size: 16px;\">It is an electronic payment method exclusive to Lazada; a feature that stores money from your top-up and refunds which can then be used to pay for your next order with Lazada. Any Lazada registered customers can activate and use the offered feature.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\">Lazada Wallet is the recommended payment method as it has great benefits:</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\">i.\t<strong>Convenient One-Click Payment:</strong> You will enjoy a smooth and hassle-free checkout as Lazada Wallet is not dependant on payment gateways and bank processing traffic. Lazada Wallet is a faster checkout as you would not need any TAC/MSOS code to complete the payment. So, if you are looking to secure a deal on Lazada, this would be your best option to complete your purchase in a fast and easy way.</span></p>\n<p><span style=\"font-size: 16px;\">ii.\t<strong>Exclusive Cashback and Discounts:</strong> Enjoy vouchers, top-up rebates and surprise rebates exclusive to Lazada Wallet. As this is the recommended payment method for Lazada, there will also be periodical games and competitions for a chance to win Lazada Wallet rebates! This gives you more value, that can be used for your next purchase using this payment method.</span></p>\n<p><span style=\"font-size: 16px;\">iii.\t<strong>Faster and Easier Refund: </strong>For any order cancellation or approved return request, refunds using Lazada Wallet, Online Banking or 7-Eleven will be processed within 1 hour into your Lazada Wallet. Any refund amount in your Refund section of your Lazada Wallet is also easily withdrawn into a bank account of your choice.</span></p>\n<p></p>\n<p><span style=\"font-size: 16px;\">Lazada Wallet is a secured payment method regulated by Bank Negara Malaysia.</span></p>\n<p></p>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>2. Is there any usage limit with Lazada Wallet?</strong></span></p>\n<p><span style=\"font-size: 16px;\">Yes, and this limitation is based on transaction and available balance limits.</span></p>\n<p>&nbsp;</p>\n<img src=\"https://img.lazcdn.com/us/lazgcp/a97229cb-0b81-48a5-8687-d57e6430f7f8_ALL-554-422.jpg\" alt=\"undefined\" style=\"height: auto;width: auto\"/>\n<p></p>\n<p><span style=\"font-size: 16px;\">Please also take note that Lazada Wallet has a usage limit of RM4,999 monthly and RM59,999 annually. Once this limit is exceeded, you will see this error message:</span></p>\n<p>&nbsp;</p>\n<img src=\"https://img.lazcdn.com/us/lazgcp/8590d810-0fdb-4c8e-aa81-5bd99d5df2ea_ALL-358-563.jpg\" alt=\"undefined\" style=\"height: auto;width: auto\"/>\n<p></p>\n<p><span style=\"font-size: 16px;\">For this reason, you will only be able to top-up a value which is within the limitation of available balance allowed for Lazada Wallet which is RM2,999.</span></p>\n<p>&nbsp;</p>\n<img src=\"https://img.lazcdn.com/us/lazgcp/0301acbf-008a-4d84-9b02-114647bc048c_ALL-396-726.jpg\" alt=\"undefined\" style=\"height: auto;width: auto\"/>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>3. Can I withdraw my available balance from Lazada Wallet? (Basic)</strong></span></p>\n<ul>\n<li><span style=\"font-size: 16px;\"><strong>Lazada Wallet (Without standard CDD checks): </strong>Amounts topped up are not withdrawable.</span></li>\n<li><span style=\"font-size: 16px;\"><strong>Lazada Wallet (Upgraded Lazada Wallet):</strong> Maximum number of withdrawals is two times with a total maximum amount of RM1,000 limit in a calendar month. The amount withdrawn from your Upgraded Lazada Wallet can only be transferred to your own banking account.</span></li>\n</ul>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<img src=\"https://img.lazcdn.com/us/lazgcp/1c377b24-8be7-4b56-9dc7-d7c3200a2f35_ALL-554-519.jpg\" alt=\"undefined\" style=\"height: auto;width: auto\"/>\n<p>&nbsp;</p>\n<p><span style=\"font-size: 16px;\"><strong>4. What is the Refund section in Lazada Wallet?</strong></span></p>\n<p><span style=\"font-size: 16px;\">Any amount reflected under this section can be withdrawn into your preferred bank account. For any refunds (due to cancellation or approved returns) for orders paid using Online Banking or 7-Eleven, refunds will also be credited into the Refund section of your Wallet.</span></p>\n<p><span style=\"font-size: 16px;\">This is to ensure that you are refunded in the fastest time possible as any refunds to Lazada Wallet will be within 1 hour.</span></p>\n<p>&nbsp;</p>\n<img src=\"https://img.lazcdn.com/us/lazgcp/2da92137-ccc8-414a-98e8-4c91426328b6_ALL-554-516.png\" alt=\"undefined\" style=\"height: auto;width: auto\"/>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>IMPORTANT NOTE:</strong></span></p>\n<ul>\n<li><span style=\"font-size: 16px;\">If you haven’t already activated your Lazada Wallet, you will be prompted to do so prior to being able to withdraw the amount in your Refund section.</span></li>\n<li><span style=\"font-size: 16px;\">Once you have successfully submitted your banking information during the withdrawal process, bank processing time of 1–3 working days will be required prior to the amount being reflected in your bank account.</span></li>\n<li><span style=\"font-size: 16px;\">Any amount in the Refund section which is not withdrawn within 8 months will be removed from Lazada Wallet’s available balance. After this point, you will need to reach out to Lazada Customer Services to request your refund. To avoid this hassle, we recommend that you use the amount in your Refund section for your next purchase or withdraw this amount in a timely manner.</span></li>\n</ul>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>5. What is the Rebate section in Lazada Wallet?</strong></span></p>\n<p><span style=\"font-size: 16px;\">For rebates you received as a reward for top-up or as a promotional offer, this amount will be reflected in your Rebate section. This rebate amount will automatically be deducted first in your next Checkout payment.</span></p>\n<p>&nbsp;</p>\n<img src=\"https://img.lazcdn.com/us/lazgcp/eece2642-a282-4a19-8ac8-ef4978726b63_ALL-554-462.jpg\" alt=\"undefined\" style=\"height: auto;width: auto\"/>\n<p></p>\n<p><span style=\"font-size: 16px;\">Rebate received will have an expiry date which you will need to be aware of in your ‘Transaction History’ page.</span></p>\n<p>&nbsp;</p>\n<img src=\"https://img.lazcdn.com/us/lazgcp/3c7fa606-d0fd-454b-b996-10e216041a6a_ALL-554-514.jpg\" alt=\"undefined\" style=\"height: auto;width: auto\"/>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>6. What are other features available with Lazada Wallet?</strong></span></p>\n<p>&nbsp;</p>\n<img src=\"https://img.lazcdn.com/us/lazgcp/b94219e6-c7b5-4a21-aa68-ef10101974d2_ALL-392-770.jpg\" alt=\"undefined\" style=\"height: auto;width: auto\"/>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>a.\tPurchased coupon</strong></span></p>\n<p><span style=\"font-size: 16px;\">If you have purchased coupons on Lazada Wallet, your coupons will be stored in this page. During redemption of coupon, you can easily access this section. The section will also help you keep track of coupons that have yet to be redeemed (Available), coupons that you have redeemed (Used) and coupons that have expired (Invalid).</span></p>\n<p>&nbsp;</p>\n<img src=\"https://img.lazcdn.com/us/lazgcp/b336cecd-ad1e-4a8b-9bdb-9d074bc545ea_ALL-398-778.jpg\" alt=\"undefined\" style=\"height: auto;width: auto\"/>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>b.\tMobile top-up</strong></span></p>\n<p><span style=\"font-size: 16px;\">You can top-up your prepaid mobile number by simply selecting your telco provider and inserting your prepaid mobile number.</span></p>\n<p>&nbsp;</p>\n<img src=\"https://img.lazcdn.com/us/lazgcp/f394f64d-57f8-4e1d-bc85-a3345ba9accb_ALL-406-770.jpg\" alt=\"undefined\" style=\"height: auto;width: auto\"/>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>c.\tUtility payment</strong></span></p>\n<p><span style=\"font-size: 16px;\">You can now conveniently pay your utilities from cable, electricity, telco and even water bill without any service charges. You can also pay your family’s or friends’ bills using this feature in your Lazada Wallet. Do note, however, cancellation or amendment are not allowed for bill payment that has been marked as ‘Paid’ – Learn more about it here.</span></p>\n<p></p>\n<img src=\"https://img.lazcdn.com/us/lazgcp/8363967c-21ed-40f3-a759-e74ed37f1705_ALL-410-776.jpg\" alt=\"undefined\" style=\"height: auto;width: auto\"/>\n<p></p>\n<p><span style=\"font-size: 16px;\"><strong>d.\tOnederful Wallet</strong></span></p>\n<p><span style=\"font-size: 16px;\">This feature is a game where you may purchase any items offered under Onederful Wallet page to be in the running to win the item. Find out more about Onederful Wallet here.</span></p>\n<p>&nbsp;</p>\n<img src=\"https://img.lazcdn.com/us/lazgcp/b37af353-f867-4f73-b284-abf4dccec304_ALL-400-768.jpg\" alt=\"undefined\" style=\"height: auto;width: auto\"/>\n<p></p>\n<p><span style=\"font-size: 16px;\">________________________________________</span></p>\n<p></p>\n","__pos__":1,"__track__":"6782786.6782786.28111086.6622.1"}},"4671636300":{"theme":{"contentMainId":20766057,"paddingInDesktop":0,"contentId":"17665576754540001","marginBottom":0,"marginBottomInDesktop":0,"marginTopInDesktop":12,"msitePadding":12,"marginTop":24,"__pos__":1,"__track__":"6781846.6781846.28108611.6622.1"},"content":{"contentMainId":20767043,"contentId":"17665616276740001","text":"<p>&nbsp;</p>","__pos__":1,"__track__":"6783500.6783500.28112040.6622.1"}}},"modulesStaticI18n":{"voyager":{"Hello":"Hello","voucher.homepage.header.title":"My 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