Terms of Service

Welcome to EXIPAY SDN BHD ("EXIPAY", "we", "us", or "our"). These Terms of Service ("Terms") govern your access to and use of our website, online store, customer account, checkout, store credit feature, product pages, promotional campaigns, customer service channels, and any related services provided through www.exicash.com or any other platform operated by EXIPAY.

By accessing our website, creating an account, placing an order, topping up store credit, using store credit, submitting a review, uploading content, contacting us, or purchasing products from EXIPAY, you agree to be bound by these Terms and any other policies referred to in these Terms, including our Privacy Policy, Refund & Return Policy, Shipping Policy, Anti-Bribery / Anti-Corruption Policy, and any other terms published by EXIPAY from time to time.

If you do not agree with these Terms, you must not use our website or purchase products from us.

EXIPAY operates an online merchandise store in Malaysia. We sell merchandise, branded products, customised items, promotional goods, and related products directly to customers. Unless expressly stated otherwise, EXIPAY is not a marketplace and does not operate as a third-party seller platform. Products listed on our website are sold by EXIPAY directly to customers.

Our products are available for delivery within Malaysia only, unless we expressly agree otherwise in writing.

Customers are required to create an Account to place orders, manage purchases, save delivery information, access Store Credit, view transaction history, and use certain website features. You agree to provide accurate, complete, current, and truthful information during registration and checkout.

You are responsible for:

• keeping your login details secure and maintaining the confidentiality of your password
• ensuring your account information is accurate and updated
• preventing unauthorised access to your Account
• all orders, transactions, Store Credit use, reviews, uploads, or activities carried out through your Account

You must notify EXIPAY immediately if you suspect unauthorised access, account misuse, or security compromise. EXIPAY may suspend, restrict, or terminate your Account if we suspect fraud, misuse, false information, suspicious activity, policy abuse, unauthorised access, or breach of these Terms.

You must ensure that all information provided to EXIPAY is accurate, complete, current, and not misleading. This includes your full name, phone number, email address, billing address, delivery address, payment information, company information if applicable, order details, artwork or customisation details, and proof or evidence submitted for refunds, returns, or delivery disputes.

EXIPAY is not responsible for failed delivery, delayed delivery, wrong delivery, rejected orders, failed communication, or loss caused by inaccurate, incomplete, outdated, or misleading information provided by you.

We aim to provide accurate product descriptions, images, specifications, prices, dimensions, colours, materials, features, and availability information. However, product images are for reference only. Actual products may vary slightly due to screen display, lighting, photography, material, production batch, printing process, embroidery process, packaging, or supplier variation.

For customised or personalised products, minor differences may occur in colour, placement, print size, embroidery finish, material shade, or finishing due to production limitations. Such minor variations will not be treated as defects unless the product is materially different from the confirmed order.

EXIPAY may update, modify, discontinue, replace, or remove any product at any time without prior notice.

All prices are stated in Malaysian Ringgit unless otherwise stated. Prices may be changed at any time without prior notice. The price payable for an order is the price displayed at checkout at the time the order is placed, subject to correction of obvious errors.

Prices may exclude delivery fees, handling fees, taxes, customs charges, payment charges, or other applicable charges unless expressly stated. If there is a pricing error, stock error, promotion error, or system error, EXIPAY may cancel or reject the affected order and provide a refund for any amount paid.

An order is submitted when you complete the checkout process and receive an order confirmation or payment confirmation. Order confirmation does not guarantee final acceptance if there is a payment issue, stock issue, pricing error, suspicious activity, prohibited order, artwork issue, customisation issue, or other reasonable reason for rejection.

EXIPAY may accept, reject, cancel, hold, or request further information for any order at our discretion. We may reject or cancel an order if:

• payment is not completed
• product is unavailable
• price or product information is incorrect
• delivery information is incomplete or inaccurate
• the order appears suspicious or fraudulent
• the order breaches these Terms
• the order involves prohibited content, artwork, or customisation
• the customer has abused our return, refund, Store Credit, or promotion policy
• we are unable to fulfil the order for reasons beyond our reasonable control

EXIPAY currently supports payment methods including FPX, Malaysia e-wallet payment methods, DuitNow QR, Store Credit where available, and any other payment method made available from time to time. Payment availability may depend on payment service providers, banks, e-wallet providers, DuitNow QR availability, system status, customer eligibility, transaction limits, fraud checks, and technical availability.

EXIPAY is not responsible for payment failure, bank delay, e-wallet issue, payment gateway downtime, payment rejection, QR payment failure, duplicate payment caused by customer action, or delay caused by third-party payment providers.

EXIPAY may allow customers to top up, receive, hold, or use Store Credit within the EXIPAY platform. Unless expressly stated otherwise:

• 1 Store Credit equals RM1.00 for use on the EXIPAY platform
• Store Credit may only be used to purchase eligible products from EXIPAY
• Store Credit is not cash, legal tender, or a bank deposit
• Store Credit does not earn interest and is not transferable
• Store Credit cannot be withdrawn as cash or exchanged for cash
• Store Credit cannot be used outside the EXIPAY platform
• Store Credit cannot be sold, assigned, pledged, transferred, or traded

EXIPAY may reverse, deduct, suspend, cancel, adjust, or freeze Store Credit if it was issued in error, a refund reversal or chargeback occurs, suspicious activity or fraud is detected, the customer breaches these Terms, or it is required by law or internal risk control.

Any Store Credit discrepancy must be reported to EXIPAY within fourteen (14) days from the date the discrepancy appears in the Account.

EXIPAY may offer promotions, discount codes, vouchers, bundles, campaigns, or special offers from time to time. Promotions may be subject to specific terms, including validity period, minimum spend, product exclusions, usage limits, customer eligibility, payment method restrictions, stock availability, or other conditions.

EXIPAY may cancel, reject, reverse, or modify any promotion, voucher, discount, or campaign if there is misuse, fraud, technical error, pricing error, duplicate use, unauthorised sharing, or breach of promotion terms. Promotions, vouchers, and discounts cannot be exchanged for cash unless required by law or expressly approved by EXIPAY.

You are responsible for ensuring that all customisation details are accurate before submitting the order. This includes spelling, names, logos, colours, artwork files, design placement, selected product, size, quantity, layout, approved proof, and final design confirmation.

Once a customised product has entered production, the order may not be cancelled, changed, returned, refunded, or exchanged unless the item is damaged, defective, wrong, incomplete, missing, or materially different from the confirmed order.

By submitting artwork, logos, images, text, or design materials, you confirm that you own or have the right to use such materials and that the materials do not infringe any third-party rights. You agree to indemnify EXIPAY against claims arising from your submitted artwork, logo, text, design, or customisation request.

EXIPAY may reject customisation requests that contain unlawful content, offensive content, defamatory content, discriminatory content, violent content, obscene content, hate speech, political or extremist content, intellectual property infringement, counterfeit branding, unauthorised logos, or misleading claims.

Where EXIPAY provides an artwork proof, mock-up, sample image, layout, or production confirmation, you must review it carefully before approval. Approval may be given through the website, email, chat, written confirmation, payment confirmation, or other accepted method.

Once artwork is approved, EXIPAY may proceed with production based on the approved file or confirmation. EXIPAY is not responsible for errors that were visible in the approved proof, including spelling errors, wrong names, wrong logos, incorrect colours, incorrect placement, low-resolution artwork, or wrong design details approved by the customer.

EXIPAY delivers within Malaysia only, unless expressly agreed otherwise in writing. Delivery is handled by third-party courier providers, logistics partners, or delivery service providers. Delivery timelines shown on our website, order confirmation, product page, or communication are estimates only.

Customers are responsible for providing complete and accurate delivery details. If a parcel is delayed, lost, damaged, returned, rejected, or undelivered due to inaccurate address, unavailable recipient, failed delivery attempt, customer refusal, unclaimed parcel, or other customer-related reason, additional delivery fees may apply. Please refer to our Shipping Policy for more information.

If you have not received your order, you must notify EXIPAY within fourteen (14) days from the shipment date, delivery notification date, or estimated delivery timeframe, whichever is applicable. If you do not report non-receipt within the required period, EXIPAY may treat the order as received and acknowledged, unless there is clear evidence to the contrary or applicable law requires otherwise.

Risk of loss or damage may pass to the customer upon delivery to the address provided, successful collection, signed receipt, delivery confirmation, courier proof of delivery, or other evidence that the parcel was delivered. Where loss or damage occurs during delivery and is not caused by the customer, EXIPAY may assist with investigation and may offer a replacement, refund, partial refund, or Store Credit depending on the circumstances and supporting evidence.

EXIPAY provides a seven (7) day return and refund guarantee, subject to our Refund & Return Policy. The seven (7) day period starts from the date the product is delivered or received, based on courier records or other available evidence.

To request a return, refund, replacement, exchange, partial refund, or Store Credit, you may be required to provide order number, product photos, parcel photos, unboxing video, damage video, courier label, packaging photos, and any other information reasonably requested by EXIPAY. Approved resolutions may include refund, replacement, exchange, partial refund, Store Credit, or other remedy determined by EXIPAY. Please refer to our Refund & Return Policy for more information.

Unless required by law or approved by EXIPAY, the following items may not be eligible for return, refund, or exchange:

• customised, personalised, printed, embroidered, engraved, or made-to-order products
• customer-approved artwork items
• clearance items or used items
• items with missing parts or packaging
• items returned without approval or reported after the required period
• products affected by normal wear and tear or customer misuse

Customised or personalised products may still qualify for remedy if they are damaged, defective, wrong, incomplete, missing, or materially different from the confirmed order.

You may request to cancel an order before it is processed, packed, shipped, or sent for production. Cancellation is not guaranteed. Orders may not be cancelled once payment has been processed and production has started, customised product production has started, artwork has been approved and production has started, the order has been packed or shipped, or EXIPAY has incurred non-refundable cost.

If a cancellation is approved, EXIPAY may refund the amount paid using the original payment method, Store Credit, or another approved method.

By submitting reviews, ratings, photos, comments, feedback, or other content, you confirm that the content is accurate and based on your genuine experience, you have the right to submit the content, and the content is not unlawful, offensive, defamatory, misleading, abusive, obscene, discriminatory, or harmful.

By submitting content, you grant EXIPAY a non-exclusive, royalty-free, worldwide licence to use, display, reproduce, publish, modify, and share the content for website, marketing, customer service, dispute handling, and business purposes. EXIPAY may moderate, approve, reject, remove, or edit reviews and uploaded content where necessary.

All website content, product images, product descriptions, graphics, logos, icons, layouts, designs, software, text, photographs, videos, branding, and other materials on our website are owned or licensed by EXIPAY unless stated otherwise. You must not copy, reproduce, distribute, modify, publish, sell, exploit, scrape, or use our website content, product information, images, branding, or materials without our prior written consent.

You remain responsible for any artwork, logos, designs, images, text, or materials you submit to EXIPAY for customisation. You confirm that your submitted materials do not infringe any copyright, trademark, design right, trade name, personality right, privacy right, or other third-party right.

You must not use our website, Account, Store Credit, products, reviews, or services for any unlawful, fraudulent, abusive, or unauthorised purpose. You must not:

• provide false or misleading information or create fake accounts
• misuse promotions, vouchers, refunds, returns, or Store Credit
• submit fraudulent claims, false damage, missing item, or non-receipt reports
• use stolen payment methods or interfere with website security
• scrape, copy, or harvest website data or upload malware or harmful files
• impersonate another person or infringe intellectual property rights
• harass, threaten, abuse, or defame others
• submit unlawful artwork or customisation requests
• use EXIPAY for bribery, corruption, fraud, scams, or illegal activity

EXIPAY may suspend or terminate your Account, cancel orders, refuse refunds, reverse Store Credit, report misconduct, or take legal action if prohibited activity is suspected.

EXIPAY may collect and process personal data, including name, contact details, account information, address, payment information, order history, Store Credit activity, delivery information, support tickets, uploaded content, reviews, and technical information. We process personal data in accordance with our Privacy Policy. Please refer to our Privacy Policy for more information.

EXIPAY may rely on third-party service providers, including payment gateways, banks, e-wallet providers, DuitNow QR providers, courier companies, logistics providers, hosting providers, email service providers, analytics providers, and customer support tools. EXIPAY is not responsible for third-party service interruptions, delays, errors, failures, rejected payments, payment downtime, courier delays, or technical issues outside our reasonable control. Your use of third-party payment or delivery services may also be subject to the terms and policies of those providers.

EXIPAY does not tolerate bribery, corruption, kickbacks, improper gifts, fraudulent claims, or dishonest conduct. Customers, suppliers, couriers, service providers, employees, and business partners must not offer, request, receive, or provide any improper benefit to influence order processing, refunds, returns, delivery claims, supplier decisions, discounts, complaint outcomes, or business dealings. EXIPAY may investigate, reject, suspend, terminate, or report any suspected bribery, corruption, fraud, or dishonest conduct. Please refer to our Anti-Bribery / Anti-Corruption Policy for more information.

EXIPAY provides its website and services on an "as is" and "as available" basis. To the fullest extent permitted by law, EXIPAY does not guarantee that:

• the website will always be available
• all product information will be error-free
• all products will remain available
• delivery will occur within estimated timelines
• all promotions will remain available
• all Store Credit features will be uninterrupted
• third-party payment or courier services will be error-free
• minor product variations will not occur

Nothing in these Terms excludes, restricts, or modifies any rights that cannot be excluded under applicable Malaysian law.

To the fullest extent permitted by law, EXIPAY shall not be liable for indirect, incidental, special, consequential, punitive, or economic loss, including loss of profit, loss of business, loss of opportunity, loss of goodwill, data loss, delivery delay, payment delay, courier issue, third-party service failure, or customer misuse.

EXIPAY shall not be liable for losses caused by incorrect customer information, customer failure to receive delivery, third-party courier delay, third-party payment provider issue, customer-approved artwork error, customer misuse of product, unauthorised account access caused by customer negligence, force majeure events, or breach of these Terms by the customer.

Where EXIPAY is found liable, our total liability shall be limited to the amount paid by you for the affected order, unless a higher amount is required by applicable law.

You agree to indemnify and hold harmless EXIPAY, its directors, employees, officers, representatives, service providers, and partners from any claims, losses, damages, liabilities, penalties, costs, or expenses arising from:

• your breach of these Terms
• your misuse of our website or services
• your false, misleading, or inaccurate information
• your submitted artwork, logo, image, text, or customisation request
• your infringement of third-party rights
• your fraudulent claim or misuse of Store Credit
• your violation of law
• your unauthorised use of another person's account, payment method, design, or intellectual property

EXIPAY may suspend, restrict, or terminate your Account or access to our services if you breach these Terms, provide false or misleading information, misuse returns, refunds, promotions, or Store Credit, suspicious or fraudulent activity is detected, payment failure or chargeback occurs, you submit unlawful or infringing artwork, or it is required by law or internal risk controls.

Termination does not affect any rights, obligations, payments, refunds, investigations, liabilities, or claims that arose before termination.

EXIPAY shall not be liable for delay or failure to perform due to events beyond our reasonable control, including natural disasters, flood, fire, pandemic, epidemic, war, terrorism, civil unrest, labour dispute, courier disruption, supplier disruption, power failure, internet disruption, payment provider downtime, government action, regulatory action, or other events beyond our control.

EXIPAY may update, amend, or replace these Terms from time to time. Updated Terms may be published on our website. Your continued use of our website, Account, Store Credit, or services after the updated Terms are published means that you accept the revised Terms. If you do not agree with the updated Terms, you must stop using our website and services.

These Terms shall be governed by and interpreted in accordance with the laws of Malaysia. If a dispute arises, the parties shall first attempt to resolve the matter through good-faith discussion. If the dispute cannot be resolved amicably, the parties may refer the matter to the appropriate court, tribunal, arbitration, mediation, or other lawful dispute resolution process available under Malaysian law.

If you have any questions about these Terms, please contact: