Terms of Service

1. Eligibility and Regional Availability

You must be at least 18 years old and have legal capacity to enter into a binding agreement. Certain Services may require a higher age, residence in a supported country, a compatible device, completion of identity verification, or other eligibility conditions.

Services, payment rails, cards, eSIM plans, rewards, merchants, currencies, digital assets and features vary by country and may not be available everywhere. We may use location, residency, identity or risk information to determine availability. You must not use a Service from a jurisdiction where it is prohibited or where you do not satisfy the applicable requirements.

2. Account Registration and Security

You must provide accurate, current and complete information and keep it updated. You may maintain only the number of accounts we permit. Accounts are personal and must not be sold, transferred, rented or shared.

You are responsible for protecting your device, password, passcode, authentication factors and recovery information. Never disclose a password, one-time password, private key or seed phrase to anyone. WoWo support will not ask for these secrets. Notify us promptly if you suspect unauthorized access or a security incident.

We may require additional verification before allowing sensitive actions, changing account information, recovering access, processing a transaction or deleting an account.

3. Identity Verification and Compliance

Financial, payment, card, remittance or other regulated features may require identity verification, sanctions screening, anti-money laundering checks, source-of-funds information, transaction monitoring or enhanced due diligence. Verification may be performed by third-party providers, including Sumsub where enabled, and by the regulated provider responsible for the relevant Service.

You authorize us and the relevant providers to request, verify and share information reasonably required to meet legal, regulatory, fraud-prevention and network obligations. A successful verification does not guarantee that a transaction or Service will be approved. We may refuse, delay, limit, report or cancel activity where required by law, a provider, a payment network or our risk controls.

4. WoWo's Role and Third-Party Services

WoWo provides technology, user interfaces, customer experience, rewards, community and service orchestration. Unless expressly stated in a service-specific notice, WoWo is not a bank, deposit-taking institution, card issuer, money transmitter, digital-asset exchange, investment adviser or direct custodian of user funds or digital assets.

Payment processing, card issuance, custody, settlement, remittance, identity verification, eSIM connectivity, voucher fulfilment and other functions may be supplied by independent third parties. Their additional terms, privacy notices, limits and compliance requirements may apply. The identity and role of the relevant provider may be disclosed in the App, on a transaction screen, in a cardholder agreement or in another service-specific notice.

Where assets are maintained under an appointed custodian or trustee arrangement, the custody and safeguarding responsibilities are governed by the applicable agreement and provider terms. WoWo does not promise deposit protection, insurance or statutory compensation unless expressly confirmed in writing for the relevant Service.

5. Wallets, Stablecoins and Blockchain Transactions

Where supported, the Services may display balances, wallet addresses or blockchain transactions and may facilitate instructions to third-party wallet or custody providers. Blockchain transfers may be irreversible, public and subject to network confirmation, congestion and fees. You must verify the asset, network, address and amount before confirming.

Digital assets and stablecoins may lose value or deviate from their reference value. WoWo does not provide investment advice and does not guarantee the value, liquidity, legality or availability of any asset. You are responsible for understanding the risks and tax consequences applicable to you.

6. Scan & Pay

Scan & Pay may allow eligible users to scan supported merchant QR codes and fund a payment using an available balance or supported asset. Acceptance depends on the destination, QR standard, merchant, payment rail, transaction limits and provider availability. WoWo does not represent that every QR code, merchant, country or payment method is supported.

Before confirmation, review the merchant name, local-currency amount, exchange rate, fees and total amount to be deducted. A preview or quote may change until the order is created and the final amount is locked. A transaction is not complete merely because funds appear to have been deducted. Completion occurs only when the responsible payment provider returns a final successful status.

Transactions may remain pending, fail, be rejected, expire, be refunded or be reversed after an earlier success indication. The receipt and account history may be updated to reflect the provider's final status. Merchant-facing receipts show the local-currency amount and provider reference; any stablecoin funding information is for the user's own payment details.

7. WoWo Card

Card services are provided by the issuer, programme manager, processor and other card partners identified in the applicable cardholder agreement. Card approval, limits, supported countries, merchant categories, authorization, clearing, settlement, chargebacks, refunds, exchange rates and fees are controlled by those providers and card-network rules.

You must use the card only for lawful personal or approved business purposes, safeguard the card credentials and report loss, theft or unauthorized transactions promptly. A card authorization may differ from the final settled amount due to tips, deposits, offline transactions, currency conversion, partial reversals or merchant adjustments.

8. Remittance and Value Transfer

Where available, WoWo may provide access to third-party services that convert or transfer value to a recipient's bank account, e-wallet or mobile-money account. Supported corridors, currencies, payout methods, fields, limits, fees and estimated arrival times are determined dynamically and may change.

You are responsible for accurate sender and recipient information and for selecting the correct destination. A quote is indicative until locked at order creation. Payouts may be delayed, rejected or reversed by a bank, wallet, mobile-money operator, blockchain network, compliance review or other provider. Refund timing and method depend on the funding model, provider rules and applicable law.

9. eSIM and Travel Services

eSIM plans and related travel services are supplied by third-party providers. You are responsible for confirming device compatibility, carrier lock status, destination coverage, plan allowance, validity period, activation requirements and roaming settings before purchase or activation.

Coverage, speed and service quality depend on local networks, device conditions and geography and are not guaranteed. An eSIM may become non-refundable after delivery, installation or activation, subject to mandatory consumer law and the provider's refund policy shown at purchase.

10. WoRewards, Membership and Referrals

WoRewards, membership levels, referral rewards, partner commissions, vouchers and promotional benefits are loyalty features governed by the rules displayed in the App and any campaign terms. Eligibility may depend on completed and settled activity, verification, country, account status, holding periods, transaction type or other conditions.

Unless expressly stated otherwise, WoRewards are platform rewards only. They are not cash, deposits, stored value, securities, investments, interest, guaranteed returns or a claim against safeguarded customer funds. They are not withdrawable, transferable or tradable and may be redeemed only through available options.

Pending rewards may be cancelled or reversed if a transaction is refunded, charged back, reversed, fraudulent, abusive, duplicated or otherwise ineligible. We may impose expiry dates and redemption limits where clearly disclosed. Referral attribution, qualification and reward calculations are determined from our records, subject to correction of manifest errors.

You must not spam, mislead, impersonate WoWo, make guaranteed-income claims, create fake accounts, self-refer through prohibited methods or use paid, automated or deceptive traffic. WoPartner participation may require a separate application, approval and partner agreement.

11. Connect, Chat and Community Content

Connect may allow users to send messages, join communities, post content or interact with other users and merchants. You retain rights in content you submit, but grant WoWo a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, format and display that content only as reasonably necessary to operate, secure, moderate and improve the Services.

You must not post or transmit unlawful, fraudulent, infringing, hateful, harassing, sexually exploitative, violent, threatening, privacy-invasive, malicious or deceptive content; promote prohibited goods or services; distribute malware; or send unsolicited commercial messages.

We may use automated tools and human review to detect abuse, restrict distribution, remove content, suspend accounts and preserve evidence. Users must have access to reporting and blocking tools. Report urgent safety or abuse concerns through the in-App support channel or at contact@wowo.io.

12. Fees, Exchange Rates and Taxes

Applicable fees, exchange rates, network charges, taxes and the total amount payable will be displayed before confirmation where practicable or otherwise disclosed in the relevant fee schedule. Rates may include a provider spread or markup. You authorize the deduction of confirmed fees from the selected funding source.

You are responsible for taxes, duties and reporting obligations arising from your use of the Services, except taxes imposed on WoWo's own income. A third party may deduct taxes or fees where required by law or network rules.

13. Transaction Records, Errors and Disputes

Review transaction information promptly. If you believe a transaction is unauthorized, incorrect or incomplete, contact us through official support as soon as possible and within any deadline shown in the applicable provider terms. Provide requested evidence and cooperate with the investigation.

Records displayed in the App may be provisional while a transaction is pending. Provider settlement and reconciliation records may be used to determine final status, subject to applicable law and correction of clear technical or accounting errors.

14. Prohibited Use

You must not use the Services for illegal activity, sanctions evasion, money laundering, terrorist financing, fraud, scams, market manipulation, unauthorized money services, infringement, exploitation, prohibited gambling, trafficking, weapons, controlled substances, account farming, abuse of promotions, circumvention of geographic restrictions, or interference with the Services.

You must not reverse engineer, scrape, overload, bypass security, use unauthorized automation, falsify identity or transaction information, or access another person's account. We may apply limits and controls to prevent prohibited use.

15. Suspension, Restriction and Termination

We or a relevant provider may suspend, restrict or terminate access where reasonably necessary for security, maintenance, suspected breach, legal or regulatory requirements, provider instructions, risk management, prolonged inactivity or discontinuation of a Service.

You may stop using the Services and request account deletion. Before closure, you must settle outstanding obligations and follow instructions to withdraw, redeem or transfer eligible balances through the responsible provider. We may retain records required by law, dispute resolution, fraud prevention or legitimate business needs.

16. Intellectual Property

The Services, software, interfaces, trademarks, logos, designs and content supplied by WoWo are owned by WoWo or its licensors. Subject to these Terms, WoWo grants you a limited, personal, revocable, non-exclusive, non-transferable licence to use the App on devices you own or control for permitted purposes.

No right is granted to use the WoWo name, logo or brand assets for advertising, referral promotion or commercial activity except under an approved partner agreement or written permission.

17. Privacy

We have a dedicated Privacy Policy and explains how personal data is collected, used, disclosed, retained and protected across the App, wowo.io, customer support and related Services. By using the Services, you acknowledge the processing described there and in any service-specific privacy notice. Where consent is required, you may withdraw it subject to legal and contractual consequences.

18. Service Availability and Disclaimers

We aim to provide reliable Services but do not guarantee uninterrupted, error-free or universal availability. Maintenance, cyber incidents, telecommunications failures, blockchain conditions, banking hours, provider outages, force majeure or regulatory action may affect performance.

To the fullest extent permitted by law, the Services are provided on an "as available" basis. Nothing in these Terms excludes mandatory consumer guarantees or liability that cannot legally be excluded. Information in the App is not financial, investment, legal or tax advice.

19. Limitation of Liability

To the fullest extent permitted by law, WoWo is not liable for indirect, incidental, special, punitive or consequential loss, loss of profit, opportunity, data, goodwill or anticipated savings arising from use of the Services. WoWo is not responsible for the acts or failures of an independent provider except to the extent WoWo is legally responsible for selecting, instructing or supervising that provider.

Nothing limits liability for fraud, wilful misconduct, death or personal injury caused by negligence, breach of mandatory data-protection obligations, or any liability that cannot lawfully be limited. Consumer rights under applicable law remain unaffected.

20. Changes to Services and Terms

We may change a Service or these Terms to reflect new features, providers, risks, laws or business requirements. We will provide reasonable notice of material changes where practicable. Changes may take effect immediately where required for law, security, fraud prevention or provider continuity. Continued use after the effective date constitutes acceptance where permitted by law.

21. Governing Law and Disputes

These Terms are governed by the laws of Malaysia, without prejudice to mandatory protections available in your country of residence. Please contact contact@wowo.io first so we can try to resolve a complaint. Subject to mandatory law, the courts of Malaysia have jurisdiction over disputes arising from these Terms or the Services.

22. Apple App Store and Google Play Terms

If you obtained the App through Apple's App Store, these Terms are between you and WoWo, not Apple. WoWo, not Apple, is responsible for the App, its content, maintenance, support, warranties and claims relating to the App, subject to applicable law.

Your Apple licence is limited to a non-transferable licence to use the App on Apple-branded products you own or control as permitted by Apple's Usage Rules, including permitted Family Sharing or volume-purchase use. If the App fails to conform to an applicable warranty, you may notify Apple and Apple may refund the purchase price, if any, as required by Apple's terms; Apple has no other warranty obligation for the App.

WoWo is responsible for addressing product-liability, legal-compliance, consumer-protection and intellectual-property claims relating to the App. You represent that you are not located in a territory subject to a United States Government embargo or designated as supporting terrorism and are not on a United States Government prohibited or restricted-party list. Apple and its subsidiaries are third-party beneficiaries of the Apple-specific provisions and may enforce them upon your acceptance.

If you obtained the App through Google Play, these Terms are between you and WoWo, not Google. WoWo, not Google, is responsible for the App, its content, maintenance, support, warranties and claims relating to the App. Your downloading and use of the App must also comply with the applicable Google Play Terms of Service and policies.

Any purchase or refund processed directly by an app store is subject to that store's applicable billing and refund rules. Purchases, payments, refunds, reversals and disputes for WoWo Services that are not processed by an app store remain subject to these Terms, the relevant service-specific terms and applicable provider rules.

You must comply with applicable third-party terms when using the App. If a mandatory distribution-platform rule conflicts with these Terms, that rule controls only to the extent required for downloading or using the App through that platform; the remainder of these Terms continues to apply.

23. General, Channel Consistency and Language

If any provision is invalid or unenforceable, the remaining provisions continue in effect. A failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them as part of a restructuring, merger, acquisition or transfer of the relevant business, subject to applicable law.

Service-specific terms prevail over these general Terms for the relevant Service to the extent of a conflict. Store metadata, help-centre text, marketing copy and interface summaries are provided for convenience and do not amend this document unless expressly stated.

The English and Chinese publication copies are intended to be substantively consistent. Unless applicable law requires otherwise, the English version controls if there is any ambiguity, inconsistency or difference in interpretation.

24. Contact

WoWo Digital Sdn. Bhd. (Registration No. 202601023578 (1685675-M))
No. 25, Wisma SCMS, Jalan BP 7/12, Bandar Bukit Puchong, 47120 Puchong, Selangor, Malaysia
Email: contact@wowo.io
Telephone: +60 19-208 8328
Website: https://wowo.io