Global Online Money Transfer
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 Tik FX Malaysia 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 https://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. The Company is a technology switch between you and the digital products service provider. The Company does not in any way directly or indirectly control the specification of the digital products purchased or consumed via Application.

  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 PARTICULAR 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 THROUGH THE USE OF 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 ACTUALLY 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