Privacy & Terms
Terms of Use

By using this Service, you agree that you have read, understood, accepted and agreed with the Terms of Use. You further agree to the representations made by yourself below. If you do not agree to or fall within the Terms of Use of the Service (as defined below) and wish to discontinue using the Service, please do not continue using this Application or Service. The terms and conditions including Privacy Policy stated herein (collectively, the “Terms of Use” or this “Agreement”) constitute a legal agreement between you and Tik FX Singapore Pte Ltd and Tranglo Sdn Bhd (collectively known as Tik FX). In order to use the Service (each as defined below) you must agree to the Terms of Use that are set out below. By using the mobile application supplied to you by the Company (the “Application”), and downloading, installing or using any associated software supplied by the Company (“the Software”) which overall purpose is to enable a digital transaction to earn digital credit or replenish digital credit into a designated account specified by yourself (hereinafter “Service”).

You hereby expressly acknowledge and agree to be bound by the Terms of Use, and any future amendments and additions to this Terms of Use as published from time to time at www.tikfx.com or Application. The Company reserves the rights to modify, vary and change the Terms of Use or its policies relating to the Service at any time as it deems fit. Such modifications, variations and or changes to the Terms of Use or its policies relating to the Service shall be effective upon the posting of an updated version at www.tikfx.com or within the Application. You agree that it shall be your responsibility to review the Terms of Use regularly.

  1. Representation and Warranties

    By using the Service, you expressly represent and warrant that you are legally entitled to accept and agree to the Terms of Use and that you are at least seventeen (17) years old. Without limiting the generality of the foregoing, the Service is not available to persons under the age of seventeen (17) or such persons that are forbidden for any reason whatsoever to enter into a contractual relationship. By using the Service, you further represent and warrant that you have the right, authority and capacity to use the Service and to abide by the Terms of Use. You further confirm that all the information which you provide shall be true and accurate. Your use of the Service is for your own sole, personal use. You undertake not to authorize others to use your identity or user status, and you may not assign or otherwise transfer your user account to any other person or entity. When using the Service, you agree to comply with all applicable laws whether in your home nation or otherwise in the country, state and city in which you are present while using the Service. You may only access the Service using authorized means. It is your responsibility to check and ensure that you have downloaded the correct Software for your device. The Company is not liable if you do not have a compatible device or if you have downloaded the wrong version of the Software to your device. The Company reserves the right not to permit you to use the Service should you use the Application and/or the Software with an incompatible or unauthorized device or for purposes other than which the Software and/or the Application is intended to be used.

  2. By using the Software or the Application, you agree that:
    • You will only use the Service for lawful purposes;
    • You will only use the Service for the purpose for which it is intended to be used;
    • You will not use the Application for sending or storing any unlawful material or for fraudulent purposes;
    • You will not use the Application and/or the Software to cause nuisance, annoyance or inconvenience;
    • You will not use the Service, Application and/or Software for purposes other than obtaining the Service;
    • You will not impair the proper operation of the network;
    • You shall not intentionally or unintentionally cause or attempt to cause damage to the third party provider;
    • You will not try to harm the Service, Application and/or the Software in any way whatsoever;
    • You will not copy, or distribute the Software or other content without written permission from the Company;
    • You will only use the Software and/or the Application for your own use and will not resell it to a third party;
    • You will keep secure and confidential your account password or any identification we provide you which allows access to the Service;
    • You will provide us with whatever proof of identity we may reasonably request or require;
    • You will not attempt to use network tools including but not limited to Virtual Private Network (VPN) to misrepresent your device location
    • You agree to provide accurate, current and complete information as required for the Service and undertake the responsibility to maintain and update your information in a timely manner to keep it accurate, current and complete at all times during the term of this Agreement. You agree that the Company may rely on your information as accurate, current and complete. You acknowledge that if your information is untrue, inaccurate, not current or incomplete in any respect, the Company has the right but not the obligation to terminate this Agreement and your use of the Service at any time with or without notice;
  3. Payment
    • You may choose to pay for the Service by Debit card (“Card”) or electronic banking facilities (“CASA”) and cash.
    • In the event that you choose to pay for the Service by Card or CASA, you will need to register a valid Card or bank account in accordance with the instructions within the Application.
    • You agree that we may verify and authorize your Card details when you first register the Card with us as well as when you use the Service.
    • We have the right to suspend the processing of any transaction where we reasonably believe that the transaction may be fraudulent, illegal or involves any criminal activity or where we reasonably believe you to be in breach of the Terms of Use.
    • You agree that you will cooperate in relation to any financial crime screening that is required and to assist us in complying with any prevailing laws or regulations in place.
    • You shall be responsible to resolve any disputes with your Card Company on your own.
  4. Refund

    Funds provided to Tik FX for transactions processed through the Tik FX system are being provided for transmission purposes and not for deposit purpose. Once we have received a transfer order from you, you will be unable to revoke the transaction. You are only allowed to request refund for the failed transaction. All refund requests will be subject to Tik FX review.

    If you wish to request a refund transferred amount, you may request via mobile phone application / web portal. You can choose the mode of refund as below:

    1. Cash

      1. Select the branch to collect cash with the refund code which send out via SMS.
      2. Only applicable for cash payment transaction only
    2. Bank

      1. Input bank details and Tik FX will credit the refund money into the account number.
      2. Available for all cash and non-cash payment transaction

    Tik FX will refund the amount you paid to us, but:

    1. No service fees and GST be refunded as a reflex of the costs already fall under us except when the cancellation is due to an error by Tik FX;
    2. No refund if the transaction is successful / after the payment was completed and/or paid out;
    3. Tik FX reserves the right to reject the refund in full amount at its judgment.
    4. All decisions made by Tik FX is final and reserve the right to change the policy without prior notice.

    Refund will be done not more than 7 working days from the date of the request of refund approved. The exchange rates used for the computation of refund amount is the same as that of transaction date. Tik FX may refuse the payment order, if information provided does not match your details which registered in Tik FX to your identity card or passport.

Privacy Policy

This Privacy Policy (“Notice“) describes how Tik FX and its respective subsidiaries, holding companies, associate companies and jointly controlled entities (“Company“) use your Personal Data. Collection of Personal Data You agree and consent to the Company using and processing your Personal Data for the Purposes and in the manner as identified hereunder.

For the purposes of this Agreement, “Personal Data” means information about you, from which you are identifiable, including but not limited to your name, identification card number, passport number, nationality, address, telephone number, credit or debit card details, race, gender, date of birth, email address, any information about you which you have provided directly to the Company in registration forms, application forms or any other similar forms and/or any information about you that has been or may be collected, stored, used and processed by the Company from time to time. When you request information or sign up for the Service, you may be required to provide Company with your Personal Data. In doing so, you consent to its use by Company in accordance with this Notice. We may collect your personal data if you perform certain service within Software, which require you to disclose such personal data to us. We will only use your personal data to provide the service(s) you signed up for. If we collect, use, maintain or disclose your sensitive personal data, we will ask for your explicit consent.

In addition to the Personal Data you provide to Company directly, Company may collect the Personal Data from a variety of sources such as:

  • From publicly available sources such as directories,
  • From social media login or engagement;
  • From credit reporting agencies;
  • When you interact and communicate with Company at any events, contests or activities;
  • From various 3rd party business partners; or
  • Entities or divisions under Company

The provision of your Personal Data is voluntary. However, if you do not provide the Company your Personal Data, your request for the Application may be incomplete and the Company will not be able to process your Personal Data for the Purposes outlined below and may cause the Company to be unable to allow you to use the Service.

  1. Personal Data Protection

    The Company may use and process your Personal Data for business and activities of the Company which shall include, without limitation the following (“the Purpose”):

    • To perform the Company’s obligations in respect of any contract entered into with you;
    • To provide you with any services pursuant to the Terms of Use herein;
    • To process your participation in any events, promotions, activities, focus groups, research studies, contests, promotions, polls, surveys or any productions and to communicate with you regarding your attendance thereto;
    • Process, manage or verify your application for the Service pursuant to the Terms of Use herein;
    • To validate and/or process payments pursuant to the Terms of Use herein;
    • To develop, enhance and provide what is required pursuant to the Terms of Use herein to meet your needs;
    • To process any refunds, rebates and or charges pursuant to the Terms of Use herein;
    • To facilitate or enable any checks as may be required pursuant to the Terms of Use herein;
    • To respond to questions, comments and feedback from you;
    • To communicate with you for any of the purposes listed herein;
    • For internal administrative purposes, such as auditing, data analysis, database records;
    • For purposes of detection, prevention and prosecution of crime;
    • For the Company to comply with its obligations under law;
    • To send you alerts, newsletters, updates, mailers, promotional materials, special privileges, festive greetings from the Company, its partners, advertisers and or sponsors;
    • To notify and invite you to events or activities organized by the Company, its partners, advertisers, and or sponsors;
    • To share your Personal Data amongst the companies within the Company’s group of companies comprising the subsidiaries, associate companies and or jointly controlled entities of the holding company of the group (“the Group”) and with the Company’s and Group’s agents, third party providers, developers, advertisers, partners, event companies or sponsors who may communicate with you.

    You may contact us by writing to us if you wish to request for access to your Personal Data that we retain about you, request for your Personal Data retained by us to be corrected, or withdraw your consent to the processing or use of your Personal Data by us. We may charge a reasonable fee for processing your request. We may also refuse to comply with your request in accordance with the Applicable Laws. Any request, inquiries or complaints can be sent to support@tikfx.com or within Application or Software If any of the Personal Data that you have provided to us changes, for example, if you change your e- mail address, telephone number, payment details or if you wish to cancel your account, please update your details by sending your request to the support contact details as provided in the Application. We will, to the best of our abilities, effect such changes as requested within fourteen (14) working days of receipt of such notice of change. By submitting your information you consent to the use of that information as set out in the form of submission and in this Terms of Use.

  2. Third Party Interactions

    During use of the Service, you may enter into correspondence with, purchase goods and/or services from, or participate in promotions of third party providers, advertisers or sponsors showing their goods and/or services through the Service, Software and/or the Application. Any such activity, and any terms, conditions, warranties or representations associated with such activity, is solely between you and the applicable third-party. The Company and its licensors shall have no liability, obligation or responsibility for any such correspondence, purchase, transaction or promotion between you and any such third-party. The Group does not endorse any applications or sites on the Internet that are linked through the Service, Application and/or the Software, and in no event shall the Company, its licensors or the Group be responsible for any content, products, services or other materials on or available from such sites or third party providers. The Company provides the Service to you pursuant to the Terms of Use. You recognize, however, that certain third party providers of transportation, goods and/or services may require your agreement to additional or different terms and conditions prior to your use of or access to such goods or services, and the Company is not a party to and disclaims any and all responsibility and/or liability arising from such agreements between you and the third party providersThe Company may rely on third party advertising and marketing supplied through the Service and other mechanisms to subsidize the Service and/or to earn additional revenue. By agreeing to the Terms of Use you agree to receive such advertising and marketing. If you do not want to receive such advertising you should notify us in writing or in accordance with the procedure determined by the Company. The Company reserves the right to deny you use of the Service should you choose not to receive these advertising services.You agree and allow the Company to compile, use and release information regarding your Personal Data and your use of the Service on an anonymous or aggregated basis as part of a customer profile or similar report or analysis. The Company reserves the right, in accordance with Applicable Laws, to record at any time anonymous information about your usage behavior of the Service and Software. Further to this, your Personal Data can be analyzed, assessed, utilized and transferred within or without Malaysia in order to undertake improvements or modifications to the Service and such other lawful purpose of the CompanyYou agree that it is your responsibility to take all precautions in all actions and interactions with any third party providers, advertisers and/or sponsors you interact with through the Service and/or advertising or marketing material supplied through the Service.

  3. Indemnification

    By agreeing to the Terms of Use upon using the Service, you agree that you shall defend, indemnify and hold the Company, its licensors and each such party’s parent organizations, subsidiaries, affiliates, officers, directors, members, employees, attorneys and agents harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys’ fees and costs) arising out of or in connection with: (a) your use of the Service, Software and/or the Application, your dealing with the third party providers, partners, advertisers and/or sponsors, or (b) your violation or breach of any of the Terms of Use or any applicable law or regulation, whether or not referenced herein or (c) your violation of any rights of any third party providers arranged via the Service, or (d) your use or misuse of the Service, Software and/or the Application.

  4. Disclaimer of Warranties

    The company makes no representation, warranty, or guarantee as to the reliability, timeliness, quality, suitability, availability, accuracy or completeness of the services, application and/or the software. The company does not represent or warrant that (a) the use of the service, application and/or the software will be secure, timely, uninterrupted or error-free or operate in combination with any other hardware, software, system or data, (b) the service will meet your requirements or expectations, (c) any stored data will be accurate or reliable, (d) the quality of any products, services, information, or other materials purchased or obtained by you through the application will meet your requirements or expectations, (e) errors or defects in the application and/or the software will be corrected, or (f) the application or the server(s) that make the application available are free of viruses or other harmful components, or (g) the application and/or the software tracks you. The service is provided to you strictly on an “as is” basis. All conditions, representations and warranties, whether express, implied, statutory or otherwise, including, without limitation, any implied warranty of merchantability, fitness for a purpose, or non-infringement of third party rights, are hereby excluded and disclaimed to the highest and maximum extent. The company makes no representation, warranty, or guarantee as to the reliability, safety, timeliness, quality, suitability or availability of any services, including but not limited to the third-party services obtained by or from third parties using the service, application and/or the software. You acknowledge and agree that the entire risk arising out of your use of the service, and any third-party services, including but not limited to the third-party services remains solely and absolutely with you and you shall have no recourse whatsoever to the company.

  5. Internet or Telecom Network Delays

    The service, application and/or the software may be subject to limitations, delays, and other problems inherent in the use of the internet and electronic communications including the device used by you or the third-party provider being faulty, not connected, out of range, switched off or not functioning. The company is not responsible for any delays, delivery failures, damages or losses resulting from such problems.

  6. Limitation of Liability

    Any claims against the company by you shall in any event be limited to the aggregate amount of all amounts paid by and/or due from you in utilising the service during the event giving rise to such claims. In no event shall the company and/or its licensors be liable to you or anyone for any direct, indirect, punitive, economic, future special, exemplary, incidental, consequential or other damages or losses of any type or kind (including personal injury, emotional distress and loss of data, goods, revenue, profits, use or other economic advantage). The company and/or its licensors shall not be liable for any loss, damage or injury which may be incurred by or caused to you or to any person for whom you have used the service for, including but not limited to loss, damage or injury arising out of, or in any way connected with the service, application and/or the software, including but not limited to the use or inability to use the service, application and/or the software, any reliance placed by you on the completeness, accuracy or existence of any advertising, or as a result of any relationship or transaction between you and any third party provider, advertiser or sponsor whose advertising appears on the website or is referred to by the service, application and/or the software, even if the company and/or its licensors have been previously advised of the possibility of such damages.

  7. General

    This Agreement shall be governed by Malaysian law, without regard to the choice or conflicts of law provisions of any jurisdiction, and any disputes, actions, claims or causes of action arising out of or in connection with the Terms of Use or the Service shall be subject to the exclusive jurisdiction of the courts of Malaysia to which you hereby agree to submit to.In the event of any inconsistency or conflict between the English language version and the non-English version of this Agreement, the English language version shall prevail

Privacy & Terms
Terms of Use

By using this Service, you agree that you have read, understood, accepted and agreed with the Terms of Use. You further agree to the representations made by yourself below. If you do not agree to or fall within the Terms of Use of the Service (as defined below) and wish to discontinue using the Service, please do not continue using this Application or Service. The terms and conditions including Privacy Policy stated herein (collectively, the “Terms of Use” or this “Agreement”) constitute a legal agreement between you and Tik FX Singapore Pte Ltd and Tranglo Sdn Bhd (collectively known as Tik FX). In order to use the Service (each as defined below) you must agree to the Terms of Use that are set out below. By using the mobile application supplied to you by the Company (the “Application”), and downloading, installing or using any associated software supplied by the Company (“the Software”) which overall purpose is to enable a digital transaction to earn digital credit or replenish digital credit into a designated account specified by yourself (hereinafter “Service”).

You hereby expressly acknowledge and agree to be bound by the Terms of Use, and any future amendments and additions to this Terms of Use as published from time to time at www.tikfx.com or Application. The Company reserves the rights to modify, vary and change the Terms of Use or its policies relating to the Service at any time as it deems fit. Such modifications, variations and or changes to the Terms of Use or its policies relating to the Service shall be effective upon the posting of an updated version at www.tikfx.com or within the Application. You agree that it shall be your responsibility to review the Terms of Use regularly.

  1. Representation and Warranties

    By using the Service, you expressly represent and warrant that you are legally entitled to accept and agree to the Terms of Use and that you are at least seventeen (17) years old. Without limiting the generality of the foregoing, the Service is not available to persons under the age of seventeen (17) or such persons that are forbidden for any reason whatsoever to enter into a contractual relationship. By using the Service, you further represent and warrant that you have the right, authority and capacity to use the Service and to abide by the Terms of Use. You further confirm that all the information which you provide shall be true and accurate. Your use of the Service is for your own sole, personal use. You undertake not to authorize others to use your identity or user status, and you may not assign or otherwise transfer your user account to any other person or entity. When using the Service, you agree to comply with all applicable laws whether in your home nation or otherwise in the country, state and city in which you are present while using the Service. You may only access the Service using authorized means. It is your responsibility to check and ensure that you have downloaded the correct Software for your device. The Company is not liable if you do not have a compatible device or if you have downloaded the wrong version of the Software to your device. The Company reserves the right not to permit you to use the Service should you use the Application and/or the Software with an incompatible or unauthorized device or for purposes other than which the Software and/or the Application is intended to be used.

  2. By using the Software or the Application, you agree that:
    • You will only use the Service for lawful purposes;
    • You will only use the Service for the purpose for which it is intended to be used;
    • You will not use the Application for sending or storing any unlawful material or for fraudulent purposes;
    • You will not use the Application and/or the Software to cause nuisance, annoyance or inconvenience;
    • You will not use the Service, Application and/or Software for purposes other than obtaining the Service;
    • You will not impair the proper operation of the network;
    • You shall not intentionally or unintentionally cause or attempt to cause damage to the third party provider;
    • You will not try to harm the Service, Application and/or the Software in any way whatsoever;
    • You will not copy, or distribute the Software or other content without written permission from the Company;
    • You will only use the Software and/or the Application for your own use and will not resell it to a third party;
    • You will keep secure and confidential your account password or any identification we provide you which allows access to the Service;
    • You will provide us with whatever proof of identity we may reasonably request or require;
    • You will not attempt to use network tools including but not limited to Virtual Private Network (VPN) to misrepresent your device location
    • You agree to provide accurate, current and complete information as required for the Service and undertake the responsibility to maintain and update your information in a timely manner to keep it accurate, current and complete at all times during the term of this Agreement. You agree that the Company may rely on your information as accurate, current and complete. You acknowledge that if your information is untrue, inaccurate, not current or incomplete in any respect, the Company has the right but not the obligation to terminate this Agreement and your use of the Service at any time with or without notice;
  3. Payment
    • You may choose to pay for the Service by Debit card (“Card”) or electronic banking facilities (“CASA”) and cash.
    • In the event that you choose to pay for the Service by Card or CASA, you will need to register a valid Card or bank account in accordance with the instructions within the Application.
    • You agree that we may verify and authorize your Card details when you first register the Card with us as well as when you use the Service.
    • We have the right to suspend the processing of any transaction where we reasonably believe that the transaction may be fraudulent, illegal or involves any criminal activity or where we reasonably believe you to be in breach of the Terms of Use.
    • You agree that you will cooperate in relation to any financial crime screening that is required and to assist us in complying with any prevailing laws or regulations in place.
    • You shall be responsible to resolve any disputes with your Card Company on your own.
  4. Refund

    Funds provided to Tik FX for transactions processed through the Tik FX system are being provided for transmission purposes and not for deposit purpose. Once we have received a transfer order from you, you will be unable to revoke the transaction. You are only allowed to request refund for the failed transaction. All refund requests will be subject to Tik FX review.

    If you wish to request a refund transferred amount, you may request via mobile phone application / web portal. You can choose the mode of refund as below:

    1. Cash

      1. Select the branch to collect cash with the refund code which send out via SMS.
      2. Only applicable for cash payment transaction only
    2. Bank

      1. Input bank details and Tik FX will credit the refund money into the account number.
      2. Available for all cash and non-cash payment transaction

    Tik FX will refund the amount you paid to us, but:

    1. No service fees and GST be refunded as a reflex of the costs already fall under us except when the cancellation is due to an error by Tik FX;
    2. No refund if the transaction is successful / after the payment was completed and/or paid out;
    3. Tik FX reserves the right to reject the refund in full amount at its judgment.
    4. All decisions made by Tik FX is final and reserve the right to change the policy without prior notice.

    Refund will be done not more than 7 working days from the date of the request of refund approved. The exchange rates used for the computation of refund amount is the same as that of transaction date. Tik FX may refuse the payment order, if information provided does not match your details which registered in Tik FX to your identity card or passport.

Privacy Policy

This Privacy Policy (“Notice“) describes how Tik FX and its respective subsidiaries, holding companies, associate companies and jointly controlled entities (“Company“) use your Personal Data. Collection of Personal Data You agree and consent to the Company using and processing your Personal Data for the Purposes and in the manner as identified hereunder.

For the purposes of this Agreement, “Personal Data” means information about you, from which you are identifiable, including but not limited to your name, identification card number, passport number, nationality, address, telephone number, credit or debit card details, race, gender, date of birth, email address, any information about you which you have provided directly to the Company in registration forms, application forms or any other similar forms and/or any information about you that has been or may be collected, stored, used and processed by the Company from time to time. When you request information or sign up for the Service, you may be required to provide Company with your Personal Data. In doing so, you consent to its use by Company in accordance with this Notice. We may collect your personal data if you perform certain service within Software, which require you to disclose such personal data to us. We will only use your personal data to provide the service(s) you signed up for. If we collect, use, maintain or disclose your sensitive personal data, we will ask for your explicit consent.

In addition to the Personal Data you provide to Company directly, Company may collect the Personal Data from a variety of sources such as:

  • From publicly available sources such as directories,
  • From social media login or engagement;
  • From credit reporting agencies;
  • When you interact and communicate with Company at any events, contests or activities;
  • From various 3rd party business partners; or
  • Entities or divisions under Company

The provision of your Personal Data is voluntary. However, if you do not provide the Company your Personal Data, your request for the Application may be incomplete and the Company will not be able to process your Personal Data for the Purposes outlined below and may cause the Company to be unable to allow you to use the Service.

  1. Personal Data Protection

    The Company may use and process your Personal Data for business and activities of the Company which shall include, without limitation the following (“the Purpose”):

    • To perform the Company’s obligations in respect of any contract entered into with you;
    • To provide you with any services pursuant to the Terms of Use herein;
    • To process your participation in any events, promotions, activities, focus groups, research studies, contests, promotions, polls, surveys or any productions and to communicate with you regarding your attendance thereto;
    • Process, manage or verify your application for the Service pursuant to the Terms of Use herein;
    • To validate and/or process payments pursuant to the Terms of Use herein;
    • To develop, enhance and provide what is required pursuant to the Terms of Use herein to meet your needs;
    • To process any refunds, rebates and or charges pursuant to the Terms of Use herein;
    • To facilitate or enable any checks as may be required pursuant to the Terms of Use herein;
    • To respond to questions, comments and feedback from you;
    • To communicate with you for any of the purposes listed herein;
    • For internal administrative purposes, such as auditing, data analysis, database records;
    • For purposes of detection, prevention and prosecution of crime;
    • For the Company to comply with its obligations under law;
    • To send you alerts, newsletters, updates, mailers, promotional materials, special privileges, festive greetings from the Company, its partners, advertisers and or sponsors;
    • To notify and invite you to events or activities organized by the Company, its partners, advertisers, and or sponsors;
    • To share your Personal Data amongst the companies within the Company’s group of companies comprising the subsidiaries, associate companies and or jointly controlled entities of the holding company of the group (“the Group”) and with the Company’s and Group’s agents, third party providers, developers, advertisers, partners, event companies or sponsors who may communicate with you.

    You may contact us by writing to us if you wish to request for access to your Personal Data that we retain about you, request for your Personal Data retained by us to be corrected, or withdraw your consent to the processing or use of your Personal Data by us. We may charge a reasonable fee for processing your request. We may also refuse to comply with your request in accordance with the Applicable Laws. Any request, inquiries or complaints can be sent to support@tikfx.com or within Application or Software If any of the Personal Data that you have provided to us changes, for example, if you change your e- mail address, telephone number, payment details or if you wish to cancel your account, please update your details by sending your request to the support contact details as provided in the Application. We will, to the best of our abilities, effect such changes as requested within fourteen (14) working days of receipt of such notice of change. By submitting your information you consent to the use of that information as set out in the form of submission and in this Terms of Use.

  2. Third Party Interactions

    During use of the Service, you may enter into correspondence with, purchase goods and/or services from, or participate in promotions of third party providers, advertisers or sponsors showing their goods and/or services through the Service, Software and/or the Application. Any such activity, and any terms, conditions, warranties or representations associated with such activity, is solely between you and the applicable third-party. The Company and its licensors shall have no liability, obligation or responsibility for any such correspondence, purchase, transaction or promotion between you and any such third-party. The Group does not endorse any applications or sites on the Internet that are linked through the Service, Application and/or the Software, and in no event shall the Company, its licensors or the Group be responsible for any content, products, services or other materials on or available from such sites or third party providers. The Company provides the Service to you pursuant to the Terms of Use. You recognize, however, that certain third party providers of transportation, goods and/or services may require your agreement to additional or different terms and conditions prior to your use of or access to such goods or services, and the Company is not a party to and disclaims any and all responsibility and/or liability arising from such agreements between you and the third party providersThe Company may rely on third party advertising and marketing supplied through the Service and other mechanisms to subsidize the Service and/or to earn additional revenue. By agreeing to the Terms of Use you agree to receive such advertising and marketing. If you do not want to receive such advertising you should notify us in writing or in accordance with the procedure determined by the Company. The Company reserves the right to deny you use of the Service should you choose not to receive these advertising services.You agree and allow the Company to compile, use and release information regarding your Personal Data and your use of the Service on an anonymous or aggregated basis as part of a customer profile or similar report or analysis. The Company reserves the right, in accordance with Applicable Laws, to record at any time anonymous information about your usage behavior of the Service and Software. Further to this, your Personal Data can be analyzed, assessed, utilized and transferred within or without Malaysia in order to undertake improvements or modifications to the Service and such other lawful purpose of the CompanyYou agree that it is your responsibility to take all precautions in all actions and interactions with any third party providers, advertisers and/or sponsors you interact with through the Service and/or advertising or marketing material supplied through the Service.

  3. Indemnification

    By agreeing to the Terms of Use upon using the Service, you agree that you shall defend, indemnify and hold the Company, its licensors and each such party’s parent organizations, subsidiaries, affiliates, officers, directors, members, employees, attorneys and agents harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys’ fees and costs) arising out of or in connection with: (a) your use of the Service, Software and/or the Application, your dealing with the third party providers, partners, advertisers and/or sponsors, or (b) your violation or breach of any of the Terms of Use or any applicable law or regulation, whether or not referenced herein or (c) your violation of any rights of any third party providers arranged via the Service, or (d) your use or misuse of the Service, Software and/or the Application.

  4. Disclaimer of Warranties

    The company makes no representation, warranty, or guarantee as to the reliability, timeliness, quality, suitability, availability, accuracy or completeness of the services, application and/or the software. The company does not represent or warrant that (a) the use of the service, application and/or the software will be secure, timely, uninterrupted or error-free or operate in combination with any other hardware, software, system or data, (b) the service will meet your requirements or expectations, (c) any stored data will be accurate or reliable, (d) the quality of any products, services, information, or other materials purchased or obtained by you through the application will meet your requirements or expectations, (e) errors or defects in the application and/or the software will be corrected, or (f) the application or the server(s) that make the application available are free of viruses or other harmful components, or (g) the application and/or the software tracks you. The service is provided to you strictly on an “as is” basis. All conditions, representations and warranties, whether express, implied, statutory or otherwise, including, without limitation, any implied warranty of merchantability, fitness for a purpose, or non-infringement of third party rights, are hereby excluded and disclaimed to the highest and maximum extent. The company makes no representation, warranty, or guarantee as to the reliability, safety, timeliness, quality, suitability or availability of any services, including but not limited to the third-party services obtained by or from third parties using the service, application and/or the software. You acknowledge and agree that the entire risk arising out of your use of the service, and any third-party services, including but not limited to the third-party services remains solely and absolutely with you and you shall have no recourse whatsoever to the company.

  5. Internet or Telecom Network Delays

    The service, application and/or the software may be subject to limitations, delays, and other problems inherent in the use of the internet and electronic communications including the device used by you or the third-party provider being faulty, not connected, out of range, switched off or not functioning. The company is not responsible for any delays, delivery failures, damages or losses resulting from such problems.

  6. Limitation of Liability

    Any claims against the company by you shall in any event be limited to the aggregate amount of all amounts paid by and/or due from you in utilising the service during the event giving rise to such claims. In no event shall the company and/or its licensors be liable to you or anyone for any direct, indirect, punitive, economic, future special, exemplary, incidental, consequential or other damages or losses of any type or kind (including personal injury, emotional distress and loss of data, goods, revenue, profits, use or other economic advantage). The company and/or its licensors shall not be liable for any loss, damage or injury which may be incurred by or caused to you or to any person for whom you have used the service for, including but not limited to loss, damage or injury arising out of, or in any way connected with the service, application and/or the software, including but not limited to the use or inability to use the service, application and/or the software, any reliance placed by you on the completeness, accuracy or existence of any advertising, or as a result of any relationship or transaction between you and any third party provider, advertiser or sponsor whose advertising appears on the website or is referred to by the service, application and/or the software, even if the company and/or its licensors have been previously advised of the possibility of such damages.

  7. General

    This Agreement shall be governed by Malaysian law, without regard to the choice or conflicts of law provisions of any jurisdiction, and any disputes, actions, claims or causes of action arising out of or in connection with the Terms of Use or the Service shall be subject to the exclusive jurisdiction of the courts of Malaysia to which you hereby agree to submit to.In the event of any inconsistency or conflict between the English language version and the non-English version of this Agreement, the English language version shall prevail

PRIVACY & TERMS
Terms of Use

This Terms of Use together with our Privacy Policy constitute a legal agreement between you and Tranglo Europe Ltd of 35 New Broad Street, London EC2M 1NH, United Kingdom (“Agreement”). By using this Service, you agree that you have read, understood, accepted and agreed with the Terms of Use.

By downloading, installing and using our mobile application (the “Application”) or accessing our web portal using your web browser, or which overall purpose is to enable a payment transaction into a designated account or to a beneficiary specified by yourself (hereinafter “Service”).

You hereby expressly acknowledge and agree to be bound by this Terms of Use and we reserve the right to modify, vary and change the Terms of Use or its policies relating to the Service at any time we deem fit as published from time to time and shall be effective upon the posting of an updated version at www.tikfx.com or within the Application.

You shall review the Terms of Use regularly and shall discontinue using this Application or Service if you do not agree to the Terms of Use of the Service as may be amended from time to time.

  1. Representation and Warranties
    By using the Application, you agree that:
    1. You are legally entitled to accept and agree to the Terms of Use and that you are at least 16 years old. Without limiting the generality of the foregoing, the Service is not available to persons under the age of 16 or such persons that are forbidden for any reason whatsoever to enter into a contractual relationship;
    2. You have the right, authority and capacity to use the Service and to abide by the Terms of Use;
    3. You will only access the Service using authorized means and use the Service for lawful purposes;
    4. You agree to comply with all applicable laws whether in your home nation or otherwise in the country, state and city in which you are present while using the Service;
    5. You will only use the Service for the purpose for which it is intended to be used;
    6. You will not use the Application for sending or storing any unlawful material or for fraudulent purposes;
    7. You will not use the Application and/or the Software to cause nuisance, annoyance or inconvenience;
    8. You will not use the Service, Application and/or Software for purposes other than obtaining the Service;
    9. You will not impair the proper operation of the network;
    10. You shall not intentionally or unintentionally cause or attempt to cause damage to the third party provider;
    11. You will not try to harm the Service, Application and/or the Software in any way whatsoever;
    12. You will not copy, or distribute the Software or other content without our express written permission;
    13. You will only use the Software and/or the Application for your own sole, personal use and will not resell it to a third party;
    14. You will keep secure and confidential your account password or any identification we provide you which allows access to the Service;
    15. You undertake not to authorize others to use your identity or user status, and you may not assign or otherwise transfer your user account to any other person or entity.
    16. You will provide us with whatever proof of identity and supporting documents we may reasonably request or require;
    17. You will not attempt to use network tools including but not limited to Virtual Private Network (VPN) and GPS location spoofing to misrepresent your device location.
    18. You agree to provide accurate, current and complete information as required for the Service and undertake the responsibility to maintain and update your information in a timely manner to keep it accurate, current and complete at all times during the term of this Agreement.
    19. You agree that the Company may rely on your information as accurate, current and complete. You acknowledge that if your information is untrue, inaccurate, not current or incomplete in any respect, the Company has the right but not the obligation to terminate this Agreement and your use of the Service at any time with or without notice;
    20. You ensure that you have downloaded the correct Software for your device. We are not liable if you do not have a compatible device or if you have downloaded the wrong version of the Software to your device. We reserve the right not to permit you to use the Service should you use the Application and/or the Software with an incompatible or unauthorized device or for purposes other than which the Software and/or the Application is intended to be used.
  2. Registration
    1. To use the Services, you may select to register for an Account. When registering you will be required to supply personal information, including your email address or phone number and financial information and upload an image of your ID on the relevant Application (“Data”). You are also required to create a login and password.
    2. A TAC code will be sent to the registered mobile phone number for verification. You will also be required to record a selfie video and upload it as part of the registration. Your registration approval process will be completed within two working days. You will receive an SMS notification if your account is approved. Upon registration you will be given an Account.
    3. All Data you provide to us as a customer will be treated in accordance with our Privacy Policy. You agree that the information supplied on registration will be truthful, accurate and complete. It is your responsibility to inform us of any changes to that information.
    4. You are entirely responsible for all activities which occur when using your email address, phone number and/or password (“Login Details”) in relation to your Account, including unauthorised use of your or any other payment method including debit or credit card.
    5. You must not disclose your password, whether directly or indirectly, to any third party. It is your responsibility to safeguard your password. You must notify us immediately at support@tikfx.com if you become aware of any unauthorised use of your Login Details.
    6. Login Details may only be used by a single user and are not transferable. Please note that your Login Details may be used on all Applications. This Agreement will apply to the use of Services on any of the Applications.
    7. If you are an employee of a company or other entity or are acting on behalf of a company or entity, you must be authorised to accept this Agreement on behalf of that employer, company or entity.
  3. Payment
    1. You may choose to pay for the Service by debit card (“Card”).
    2. In the event that you choose to pay for the Service by Card, you will need to register a valid Card in accordance with the instructions within the Application.
    3. You agree that we may verify and authorize your Card details when you first register the Card with us as well as when you use the Service.
    4. We have the right to suspend the processing of any transaction where we reasonably believe that the transaction may be fraudulent, illegal or involves any criminal activity or where we reasonably believe you to be in breach of the Terms of Use.
    5. You agree that you will cooperate in relation to any financial crime screening that is required and to assist us in complying with any prevailing laws or regulations in place.
    6. You shall be responsible to resolve any disputes with your Card company on your own.
    7. All payments must be made in your own name and cannot be made on behalf of someone else. Payment must be paid using a debit card registered in your own name.
  4. Refund
    1. Funds provided to Tranglo Europe Ltd for transactions processed through the Tranglo Europe Ltd system are being provided for transmission purposes and not for deposit purpose. Once we have received a confirmed transfer order from you, you will be unable to revoke the transaction. You are only allowed to request refund for a failed transaction. All refund requests will be subject to our review.
    2. If you wish to request a refund transferred amount, you may request via mobile phone application / web portal. Any refund will be made to the account of the debit card that made the payment.
    3. Tranglo Europe Ltd will refund the amount you paid to us, but:
      1. No service fees will be refunded except when the cancellation is due to an error by Tranglo Europe Ltd;
      2. No refund request will be entertained if the transaction has begun processing, is successful or the payment has been completed and/or paid out;
      3. Tranglo Europe Ltd reserves the right to reject the refund in full at its own discretion.
      4. All decisions made by Tranglo Europe Ltd is final.
    4. Refund will be done not more than 7 working days from the date of the request of refund approved. The exchange rates used for the computation of refund amount is the same as that of the transaction date.
  5. Cancellation of Successful Transaction
    A successful transaction can be cancelled if the status is “Success (Unclaimed)”. This status indicates that (i) you have chosen cash pick up as the payout method and (ii) the amount sent was not yet claimed by the beneficiary. You can contact our customer service to request and cancel the transaction via Live Chat in our Application. All cancellation requests will be subject to Tranglo Europe Ltd review.
  6. Internet or Telecom Network Delays
    The Service and/or Application may be subject to limitations, delays, and other issues inherent in the use of the internet and electronic communications including the device used by you or the third party provider being faulty, not connected, out of range, switched off or not functioning. We are not responsible for any delays, delivery failures, damages or losses resulting therefrom.
  7. Limitation of Liability
    1. Any claims made by you shall be limited to the aggregate amount of all amounts actually paid by and/or due from you in utilising the Service during the event giving rise to such claims.
    2. We shall not be liable to you or anyone for any direct, indirect, punitive, economic, future special, exemplary, incidental, consequential or other damages or losses of any type or kind (including personal injury, emotional distress and loss of data, goods, revenue, profits, use or other economic advantage).
    3. We shall not be liable for any loss, damage or injury which may be incurred by or caused to you or to any person for whom you have used the Service for, including but not limited to loss, damage or injury arising out of, or in any way connected with the Service and/or the Application.
    4. We shall not be liable for any reliance placed by you on the completeness, accuracy or existence of any advertising, or as a result of any relationship or transaction between you and any third party provider, advertiser or sponsor whose advertising appears on the website or is referred to by the Service and/or the Application.
Privacy Policy

Effective Date: 25 May 2018

We care about your privacy. Check out our privacy policy for more information about how we collect, use, store, and protect your personal data when you use our website and mobile application or visit our official social media platforms ("Sites") where we offer our pay-out services ("Services").

Who we are

We are Tranglo Europe Ltd, located at 35 New Broad Street, London, EC2M 1NH, United Kingdom. We are registered under the Data Protection Act with Information Commissioner's Office and an Authorised Payment Institution (API) under the Financial Conduct Authority.

What & Why

We collect and use the following information to provide our Services:

Account information. When you create an Account to use our Services, we collect and associate with your account, the information you provide to us. This may include your name, ID number including image on ID (ID such as National ID, Passport or any government issued ID with photo), email address, ID issue country, gender, nationality, mailing address, mobile phone number, email address, financial account information, date of birth, image of proof of address, selfie video and any additional information which we may at our discretion require. For detailed information on the data we collect and how we use it, please see our Terms of Use.

Voluntary information. When you contact us to learn more about our Services or access or use our Services; or contact our customer service, we may use personal information you provide to us to respond to your queries. This information may include your name, mobile phone number, mailing address, and other information that you choose to provide to us.

Device information. We also collect information from and about the devices you use to access the Services. This includes IP addresses, the types of browsers and devices you use, the web page you visited before coming to our sites, and identifiers associated with your devices. Your devices (depending on their settings) may also transmit location information to the Services.

Marketing. We may from time to time, send you promotional materials from us or on behalf of our affiliates and business partners by way of sms or in-app push notification. Users who receive these marketing materials can opt out at any time. If you do not want to receive marketing materials from us, simply click “No” for promotional message in the profile screen.

Bases for processing your data. We collect and use the personal data described above for our legitimate business needs in order to provide you with reliable and secure Services you have requested from us or pursuant to our contract with you. We collect and use personal data to operate our Services; to analyse and improve our Services or additional products or services; to protect our Services and the rights of users and others to enforce the terms of the Services; and to ensure compliance with applicable laws and regulations. To the extent we process your personal data for other purposes, we ask for your consent in advance or require that our partners obtain such consent.

If you have questions about our privacy practices that are not addressed in this Privacy Policy, please contact us.

With whom
We may share your personal data information:
  • within the Tranglo Group of Companies;
  • with trusted third parties contractually obligated to provide us with support services;
  • with public authorities for business purposes or as required by law;
  • with businesses and members of the public, when data is aggregated and does not personally identify you; and
  • otherwise with your consent.
How

Cookies. A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer. Cookies contain information that is transferred to your devices' hard drives. For detailed information on the cookies we use, please see our Cookie Policy.

Process. We may handle personal data or sets of personal data, by automated means or otherwise, for the collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, providing consultation, disclosure by transmission, authorized dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction of personal data.

Security. We are serious about guarding the security of your personal information and the details of any transactions made to protect your data against loss, misuse and unauthorised disclosure, alteration or processing. We take appropriate organisational and maintain technical, physical, and administrative security measures including firewalls, data encryption and information access authorization controls. We use secure cloud services to store the information you give us (including your password) when you register an Account or place an order. Any personal data you provide to us online is securely encrypted. Further information can be found here.

Retention. The time period for which we keep information varies according to what the information is used for. In some cases, there are legal requirements to keep data for a minimum period. Unless there is a specific legal requirements for us to keep the information, we will retain it for no longer than is necessary for the purposes for which the data was collected or for which it is to be further processed.

User Controls. You may review your name, mobile number, gender, nationality, date of birth, ID number, ID issue country and profile picture after logging in to your Account on your web browser or mobile application. If you need to edit or update more detailed information, please contact us. If you do not have an Account or if you have questions about your Account information or other personal data, please contact us.

Where

Outside the European Economic Area (“EEA”). Our operations are supported by a network of computers, cloud-based servers, and other infrastructure and information technology. When transferring, storing and processing data from the European Union (“EU”), the EEA or Switzerland, we rely upon a variety of legal mechanisms, including contracts with our third party providers and affiliates and legal compliance with local data protection laws. By using our Sites and Services, you consent to your personal data being transferred to other countries, including countries that have different data protection rules than your country. Please contact us for more information about this.

Your Rights

You have the right to withdraw your consent to us for processing of your personal data. You have the right to access your personal data, to rectify it, to restrict its processing, to its erasure and portability, and the right not to be subjected to automated decision-making. If you want to exercise those rights or find out more, please contact us.

Children's Privacy

Our Services are intended for a general audience and are not directed at individuals under the age of 16. We do not knowingly collect information from children or other individuals who are not legally able to use the Services. If we obtain actual knowledge that we have collected information from a child, we will promptly delete it, unless we are legally obligated to retain such data. If you believe that we have mistakenly or unintentionally collected information from a child, please contact us.

Changes

We may change this Privacy Policy from time to time to reflect changes to our privacy practices for our Services. The revised Privacy Policy will be effective as of the published Effective Date.

If we make a material change to the Privacy Policy, we will notify you in advance by posting notice of the change on our Sites and Services before the change becomes effective. We also may notify you of important changes to our Services and Service-related notices using email or other means.

Contact

If you have general questions about our Privacy Policy and practices or questions about your personal data, you may contact us.

Users in the EU, EEA and Switzerland have the right to lodge a complaint with the Supervisory Authority for data protection in their respective country otherwise to Information Commissioner's Office, should they find that we did not appropriately address their question or concern.

We can be reached at Tranglo Europe Ltd 35 New Broad Street, London EC2M 1NH, United Kingdom.