1. About these terms
These Terms & Conditions apply to your use of this website and the IC eligibility search, which are operated by WOW Fintech Sdn Bhd (“E-Money Member”, “we”, “us” or “our”).
By using this website, you agree to these terms. If you do not agree, please do not use the website.
2. Using this website
This website introduces the E-Money Member Visa Prepaid card to individuals in Malaysia and lets you begin an eligibility search. You may use it for your own personal, non-commercial purposes, in line with these terms and applicable law.
You must be at least 18 years old to use the eligibility search, or have the consent of a parent or guardian.
3. The IC eligibility search
- Search only your own IC number. You must not search using another person’s IC number unless you have their authority to do so.
- A search result is not an approval. The result is an indication based on the information available at the time. It does not verify your identity, confirm that you are eligible, or guarantee that a card will be issued to you.
- Applications are assessed separately. Any application for the card is subject to the issuer’s own checks, requirements and approval.
- Keep your details accurate. You are responsible for making sure the IC number you enter is correct.
We may limit, suspend or refuse searches where we reasonably suspect misuse, fraud or unauthorised access to personal records.
4. The E-Money Member Visa Prepaid card
The E-Money Member Visa Prepaid card is issued by a licensed card issuer pursuant to a licence from Visa. Use of the card is governed by the issuer’s Cardholder Terms and Conditions, which you must accept before your card is issued. Fees, charges and limits are set out in the issuer’s Fee Schedule.
If there is any conflict between these terms and the Cardholder Terms and Conditions about your use of the card, the Cardholder Terms and Conditions apply.
5. Acceptable use
When using this website, you must not:
- use it for any unlawful, fraudulent or harmful purpose;
- attempt to access, search or collect personal data about other people;
- use bots, scripts, scrapers or other automated means to access the website or the eligibility search;
- attempt to gain unauthorised access to, interfere with, or disrupt the website, its servers or connected systems; or
- introduce viruses, malware or other harmful code.
6. Information on this website
The content on this website is for general information only. It is not financial, legal or other professional advice. We aim to keep it accurate and up to date, but product features, fees and eligibility requirements may change. Please read the official card documents before you apply.
Card images on this website are for illustration only and may differ from the card you receive.
7. Intellectual property
The E-Money Member name, logo, website design, text and images belong to us or our licensors and are protected by intellectual property laws. You may not copy, reproduce, modify or distribute them without our written permission, except as needed to view the website for personal use.
Visa and the Visa brand mark are trademarks of Visa International Service Association and are used under licence.
8. Third-party websites
This website may link to websites operated by others. We do not control and are not responsible for their content, products, services or privacy practices. Your use of those websites is at your own risk and subject to their terms.
9. Availability of the website
We try to keep this website and the eligibility search available, but we do not guarantee that they will always be available, uninterrupted or error-free. We may suspend, change or withdraw any part of the website at any time, for example for maintenance, security or legal reasons.
10. Limitation of liability
To the extent permitted by law, we are not liable for any loss or damage arising from your use of, or inability to use, this website or the eligibility search, or from your reliance on any content on it.
Nothing in these terms excludes or limits any rights you have, or any liability we have, that cannot be excluded or limited under Malaysian law, including under the Consumer Protection Act 1999.
11. Privacy
Our Privacy Policy explains how we collect, use and protect your personal data, including the IC number you enter in the eligibility search.
12. Changes to these terms
We may update these terms from time to time. The latest version will always be on this page, with the effective date shown at the top. By continuing to use the website after a change, you accept the updated terms.
13. Governing law
These terms are governed by the laws of Malaysia. Any dispute relating to them is subject to the exclusive jurisdiction of the courts of Malaysia.
If these terms are translated into another language and there is any inconsistency, the English version prevails.