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Building the Google Photos Web UI

October 9, 2019

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Terms & Condition

These terms and conditions apply to YOUR INTERPAY Virtual Account (Interpayservices). You must read them carefully.

In these terms and conditions “you” means the named Interpay Account holder and the authorised user of Interpay Account.

“We”, “us” or “our” means Interpay.

“Website” means our website at www.interpayservice.com

1. YOUR InterpayACCOUNT
  1.You can use YOUR INTERPAY Account at any location worldwide that displays the UnionPay® Acceptance Mark, including shops, restaurants or on the internet. Before using YOUR INTERPAY Account, it is your responsibility to ensure that there are sufficient funds in YOUR INTERPAY Account to utilise for your purchases. You will not be able to use YOUR INTERPAY Account if it has insufficient balance for the transaction.
  1.2.YOUR INTERPAY Account is not a credit card and is not in any way connected to your bank account. You will not earn any interest on any funds loaded on YOUR INTERPAY Account.
2. APPLYING FOR AND ACTIVATING YOUR INTERPAY ACCOUNT
  2.1.To apply for our Interpay Account you must be at least 18 years old. We will require evidence of your identity and your address from time to time. We may ask you to provide some documentary evidence to prove this and/or we may carry out checks on you electronically.2.2.By using YOUR INTERPAY Account you are agreeing to these terms and conditions.
3. LOADING YOUR INTERPAY ACCOUNT (“VIRTUAL ACCOUNT LIMITS”)
1. For a personal account user residing in Singapore, maximum amount in YOUR INTERPAY Account is USD 50,000. For commercial accounts, the limits are subject to your company’s discretion. We reserve the right to decline any particular loading transaction if the said transaction does not meet our due diligence requirements. Upon receipt and clearance, your funds will be available for use on YOUR INTERPAY Account immediately.

1. Pricing

#	Fees
1	One time set up fee $199
2	Monthly account fee $9
3	Cart-Top up card to card 2%
4	Credit/Debit card top up 5%
5	ATM Withdrawal $15
6	Return to bank account $25
#	Limits
1	3 Deposits a day
2	USD10k or SGD10 per deposit
3	Cap of USD50k or SGD50k max in each account

1. USING YOUR INTERPAY ACCOUNT
  1.Detailed instructions on how to use YOUR INTERPAY Account can be found on our Website. You will need to follow the instructions when using YOUR INTERPAY Account. We will deduct the value of your transactions from the balance on YOUR INTERPAY Account as soon as they are made. We will also deduct any applicable fees as soon as they become payable by you, see our Fees section below for details of our fees. The Interpay Account shall remain as a property of Interpay Pte. Ltd.
  4.2.For fraud monitoring purposes, your account usage may be queried, and we may block any further usage. In such circumstances, you can simply contact our customer support team account@aletaplanet.com, to request to have your account reinstated.
  4.3.We may at any time, suspend, restrict or cancel YOUR INTERPAY Account or refuse to issue, or replace YOUR INTERPAY Account to you including but not limited to the following reasons:
  4.3.1.We have reason to be concerned about the security of your account or Interpay Account(s) we have issued to you;
  4.3.2.We have reason to suspect your account is being used in an unauthorised or fraudulent manner;
  4.3.3.Or we need to do so to be compliant with the relevant regulatory.
  4.4.In the event that we need to suspend, restrict, or cancel the usage of YOUR INTERPAY Account, we shall inform you as soon as possible, or when we are permitted to do so if there is any regulatory enforcement action taken against the use of YOUR INTERPAY Account.
  4.5.Like other payment cards, we cannot guarantee that every retailer will accept YOUR INTERPAY Account.
  4.6.In the event of transactions involving different currencies and your SGD wallet does not have enough balance for the transaction, Interpay shall convert the sufficient amount from your balance in your other currency wallet that has sufficient balance automatically. The exchange rate will be on the daily prevailing exchange rate determined by Interpay.
  4.7.We also reserve the rights to refuse/ withhold the funds payable to the merchant including but not limited to the following reasons:
  4.7.1.If we suspect that YOUR INTERPAY Account is being used in an unauthorised or fraudulent manner;
  4.7.2.If there are insufficient funds loaded on YOUR INTERPAY Account at the time of a transaction to cover the amount of the transaction and any applicable fee;
  4.7.3.If there is an overdue outstanding amount owed to us on the Interpay Account in accordance with the Fees and Charges Guide;
  4.7.4.If we have reasonable grounds to suspect that you are acting in breach of this agreement;
  4.7.5.If we are required by regulatory authorities to do so.
  4.7.6.If certain transactions are suspicious; or
  4.7.7.Because of errors, failures (whether mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing transactions.
  4.8.In the event of an unsuccessful transaction due to inaccurate information, we will inform you accordingly. Where such inaccuracy results in an unsuccessful transaction, you may amend, edit, update any information you have provided to us, by contacting us at support@interpayservices.com.
2. AUTHORISING TRANSACTIONS
  1.Subject to the features of the particular Interpay Account, the authorisation of a transaction may include authorising any transaction, a series or recurring transactions (including transactions for an indefinite period) or pre-authorising future transactions.5.2.An Interpay Account transaction will be regarded as authorised by you where you perform the actions such as:
  5.2.1.Key in your details onto a merchant’s website;
  5.2.2.Provide YOUR INTERPAY Account details and / or providing any other details;
  5.2.3.Provide the security code of YOUR INTERPAY Account.5.3.Authorisation for a transaction may not be withdrawn or revoked by you after it is received.5.4.We will pay the funds required by the retailer or merchant to cover the transactions authorised by you within 3 working days of us receiving their request. A transaction (the payment order) will be received as follows:
  5.4.1.for purchases at the time we receive the transaction instruction from the merchant acquirer;
  5.4.2.for other transactions which are communicated directly to us, at the time you ask us to complete the transaction.
5.5.Any pre-authorised transaction on an account that has been replaced and has yet to be completed will automatically be cancelled. You will have to ensure that sufficient funds are available and to inform the retailer or merchant to perform the pre-authorisation transaction again on the replacement account.

5.6.Authorisation will be requested for all transactions at the time of each transaction. In the unlikely event, for any reason whatsoever, a transaction is completed when there are insufficient funds on the Interpay Account for that transaction (“Shortfall”), the Shortfall shall be reimbursed by you unless it is due to an error on the part of the retailer where the Interpay Account was presented, in this circumstance we may seek the Shortfall from the retailer/merchant.

5.7.You agree that once this Shortfall is made known to you, we may charge you for the Shortfall amount. We may deduct the amount of the shortfall from any other Interpay Account(s) that you hold with us. Until we are reimbursed the Shortfall, we may suspend YOUR INTERPAY Account(s). In addition, we reserve the right to charge you an administration fee for each transaction that you make using YOUR INTERPAY Account that results in a Shortfall or increases the Shortfall amount on YOUR INTERPAY Account.
1. CANCELLATION OF YOUR INTERPAY ACCOUNT1.You may cancel YOUR INTERPAY Account by way of the “contact us” function on the Website.6.2.If you cancel YOUR INTERPAY Account, once all transactions and fees have been deducted, we will arrange for any unused funds to be refunded to you, see “Your Right to a Refund” section below for further information. A Refund Fee may be charged (see Fees and Charges Guide) unless you have arranged to transfer any unused funds to another Virtual Account/ products/ account managed by us, or you cancel YOUR INTERPAY Account within 14 days of receiving it.6.3.On expiry of YOUR INTERPAY Account, you may choose to renew your account automatically or allow it to expire. If you do not wish to renew your account, you may contact us to request the balance funds on YOUR INTERPAY Account
6.4.When we issue a renewal Interpay Account we may charge a fee. Please see the Fees and Charges Guide.

6.5.We may terminate your account by for reasons such as but not limited to the following:
6.5.1.if this agreement or your account expires on a set date and we have not agreed on renewal;
6.5.2.if there is any breach on the terms and conditions of this agreement, or if you repeatedly breach the agreement and fail to resolve the matter in a timely manner;
6.5.3.if you act in a manner that is threatening or abusive to our staff, or any of our representatives;
6.5.4.if you fail to pay the fees or charges you have incurred, or fail to put right any shortfall; and/ or
6.5.5.in the event of your demise.

6.6.We may also cancel or suspend your account immediately if we suspect that YOUR INTERPAY Account is deliberately being used to commit fraud or other illegal purposes. In the event where we cancel or suspend your account, we will inform you as soon as practicable. The balance in YOUR INTERPAY Account may then be withheld until any investigation is concluded. If YOUR INTERPAY Account is cancelled, we will immediately block YOUR INTERPAY Account for security reasons. You will not be entitled to a refund of money you have already spent on transactions authorised, or pending or any fees for use of the Interpay Account before YOUR INTERPAY Account is cancelled or expired.
1. KEEPING YOUR INTERPAY ACCOUNT SECURE
  1.You should keep YOUR INTERPAY Account secure and not let anyone else use it. If the details are lost or stolen or used in an unauthorised manner, you may lose some or all of your money on YOUR INTERPAY Account. If you suspect that someone else knows the details of YOUR INTERPAY Account, you should request for a replacement account immediately via the mobile application or our secured website.
2. LOST OR STOLEN ACCOUNT AND UNAUTHORISED PAYMENTS
  1.You must inform us immediately by freezing your account online via our website or App, if you know or suspect that YOUR INTERPAY Account details are exposed to an unauthorised person or if you think a transaction has been improperly executed.
  8.2.If the account number, PIN or mobile application is used by an unauthorised person, lost or stolen, your liability is limited to S$100 only if:
  8.2.1.you have immediately notified us of the loss, theft or unauthorised disclosure;
  8.2.2.you assist us in the recovery of the unauthorised charges incurred;
  8.2.3.you furnish us with a police report accompanied by written confirmation of the loss, theft or unauthorised disclosure and any other information that we may require; and
  8.2.4.we are satisfied that such loss, theft or unauthorised disclosure is not due to your negligence or error.
  You shall not be liable for any transactions carried out after we have been notified of the loss, theft or disclosure.
3. OUR LIABILITY
  1.We will not be liable for any loss arising from:
  9.1.1.any cause which results from abnormal or unforeseen circumstances beyond our control, consequences which would have been unavoidable despite our efforts to the contrary; or
  9.1.2.a retailer refusing to accept YOUR INTERPAY Account; or
  9.1.3.our compliance with legal and regulatory requirements;
  9.1.4.loss or corruption of data unless caused by our wilful default.
  9.2.We are also not liable for:
  9.2.1.business interruption, loss of revenue, goodwill, opportunity or anticipated savings;
  9.2.2.any indirect or consequential loss.
4. REFUND UPON TERMINATION OF ACCOUNT
  1.We may change these terms at any time by notifying you by e-mail or other agreed means at least fourteen (14) calendar days before the change is due to take effect. The up-to-date version of the Interpay Account terms and conditions will always be available on our website. The change will automatically take effect and you will be taken to have accepted the notified change unless you inform us in writing that you do not agree to the change. In that event, we will treat that notice as notification that you wish immediately to terminate YOUR INTERPAY Account. In such circumstances we will refund any balance on the account in accordance with the Fees and Charges Guide and you will not be charged a Refund Fee.
  10.2.When submitting your refund request, you must ensure that the information you provide is accurate and complete. We will not be responsible for money sent to the wrong recipient as a result of inaccurate information provided by you. If you have provided inaccurate information to us, you may request our assistance in recovering the money sent to the wrong recipient, but we cannot guarantee that such efforts will be successful.
5. THE FEES
  1.Fees and charges set out in the Fees and Charges Guide, which is available on our Website, may be varied from time to time.11.2.We may vary the rate or amount of any charge, fee or interest payable under this agreement. Should you continue to keep or use the Interpay Account, you shall be considered to have accepted the changes.
6. YOUR DETAILS
  You must inform us immediately if you change name, address, phone number or e-mail address. If we contact you in relation to YOUR INTERPAY Account, for example, to notify you that we have cancelled YOUR INTERPAY Account or to send you a refund by cheque, we will use the most recent contact details you have provided to us. Any email to you will be treated as being received as soon as it is sent by us. We will not be liable to you if your contact details have changed and you have failed to update us.
7. DATA PROTECTION
  1.In applying for the Interpay Account and using it, you agree that we can use your personal information in accordance with our privacy policy. You further agree that we may use your personal information for customer due diligence purposes for services provided by Interpay MES Pte Ltd, in the event that you sign up for such services.13.2.You understand and agree that we may collect information about how you interact with our services, and utilise such information with our co-brand partners, to develop and enhance our services. We collect transaction details related to your use of our services, including the type of service requested, date and time the service was provided, amount charged and other related transaction details. We may collect information about your mobile device, including for example, the hardware model, operating system and version, software and file names and versions, preferred language, unique device identifier, advertising identifiers, serial number, device motion information and mobile network information.
8. DISPUTES WITH RETAILERS
  If you have any dispute about goods or services paid using YOUR INTERPAY Account, you should resolve such dispute with the person you bought the goods or services from. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased with YOUR INTERPAY Account. Once you have used YOUR INTERPAY Account to make a purchase, we cannot stop that transaction.
9. COMMUNICATION
  If you have an enquiry relating to YOUR INTERPAY Account or if your account is lost or stolen, you may use the “Contact Us” facility on the website or email us at tech@interpayservices.com.
10. ASSIGNMENT
  You may not transfer any rights or obligations you may have under this agreement unless Interpay Services PTE LTD. has provided written consent on the assignment. Interpay Services PTE LTD. reserves the rights to transfer or any right or obligation under this agreement subject to the approval by MAS and twenty-one (21) calendar days prior notice to the you.
11. GOVERNING LAW
  This agreement is concluded in English. All communications with you will be in English. These terms and conditions will be construed in accordance with Singapore law.
FUND PROTECTION
As a responsible e-money issuer Interpay Pte. Ltd. ensures that once we have received your funds, they are deposited in a secure account with a deposit bank, specifically for the purpose of redeeming transactions made by YOUR INTERPAY Account. In the event that Interpay Pte. Ltd. becomes insolvent, funds that you have loaded which have arrived with and been deposited by Interpay Pte. Ltd. are protected against the claims made by our creditors.