You must read, agree and accept all the terms and conditions contained herein and the privacy policy. If you do not accept these terms and conditions, please immediately discontinue your access to this website/mobile application.

In this terms and conditions, "You", "Yours" means any person or entity using the e-pay website through eGHL's Online Payment Services, unless otherwise stated. "e-pay", "We" or "Our" will refer collectively to e-pay (M) Sdn Bhd unless otherwise stated. All references to a Bank include your bank or seller bank to which you are dealing with.

e-pay may amend this terms and condition without prior notice.

1. Disclaimer

The materials and information contained in this website, including but not limited to services, information, data, text, graphics, audio, video, links or other items, are provided by e-pay as on available basis. References to material and information contained in the website include such material and information provided by third parties.

e-pay does not make any express or implied warranties, representations or endorsements including but not limited to any warranties of title, non-infringement, merchantability, usefulness, operation, completeness, currentness, accuracy, satisfactory quality, reliability, fitness for a particular purpose in respect of the website, the material, information and/or functions therein contained and expressly disclaims liability for errors and omissions in such materials, information and/or functions. Without derogation of the above and/or the terms and conditions of the applicable agreements governing all the products and services of e-pay, reasonable measures will be taken by e-pay to ensure the accuracy and validity of all information relating to transactions and services which originate exclusively from e-pay.

Further e-pay does not warrant or represent that access to the whole or part(s) of this website, the materials, information and/or functions contained therein will be provided uninterrupted or free from errors or that any identified defect will be corrected, or that there will be no delays, failures, errors or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer or mobile devices system.

The materials, information and functions provided in this website shall not under any circumstances be considered or construed as an offer or solicitation to sell, buy, give, take, issue, allot or transfer, or as the giving of any advice in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual funds or other securities, investments, loans, advances, credits or deposits in any jurisdiction.

You shall be responsible to evaluate the quality, adequacy, completeness, currentness and usefulness of all services, content, advice, opinions and other information obtained or accessible through the website; further you should seek professional advice at all times and obtain independent verification of the materials and information provided herein prior to making any decision to transact using this e-pay Online Payment Services based on any such materials or information.

2. Links

Links from or to websites outside of this website are meant for initiating payment, connecting to your bank Internet banking website and for convenience only. Such linked websites are owned and operated by third parties and as such are not under the control of the e-pay. Therefore e-pay shall not be responsible and makes no warranties in respect of the contents of those websites, the third parties named therein or their products and services. Furthermore, the links provided in this website shall not be considered an endorsement or verification or approval of such linked websites or the contents therein. Linking to any other site is at your sole risk and e-pay will not be responsible or liable for any damages losses and actions which may arise out of or in connection with the linking of website. It is advisable for you to read the privacy policy statements of any websites which are linked to this website.

3. Exclusion of Liability

e-pay herein shall in no event be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation, direct or indirect, special, incidental, consequential or punitive damages, or loss profits or savings arising in connection with your access or use or the inability to access or use this website (or any third party link to or from e-pay), reliance on the information contained in the website, any technical, hardware or software failure of any kind, the interruption, error, omission, delay in operation, computer viruses, or otherwise.

This exclusion clause shall take effect to the fullest extent permitted by law.

4. Indemnity

You hereby irrevocably and unconditionally agree to indemnify and keep indemnified e- pay from all actions, liabilities, claims, losses, expenses and damages, including any legal fees that may be incurred by e-pay in connection with or arising from (1) your use or misuse of this website and the services provided herein, or (2) your breach of these terms and conditions howsoever occasioned, or (3) any intellectual property right or proprietary right infringement claim made by a third party against e-pay in connection with your use of this website.

5. Fees

No fees, dues or other charges shall be imposed by you. However, e-pay reserves the right to come to other payment arrangements on a case-by-case basis.

6. Payment Gateway

Please note that your Payment is processed through eGHL’s Payment Gateway on behalf of e-pay. The Name of eGHL together with e-pay (M) Sdn Bhd will be shown on the payment gateway page. Additionally, you will receive a notification e-mail from e-pay for every transaction made.

7. Credit Card Payment

Please note that your Payment is processed by GHL ePayment Sdn Bhd. The Name of eGHL – e-pay (M) Sdn Bhd will be shown on your Credit Card / Bank Statement and you will also receive a notification e-mail from eGHL on this Transaction.

If the User has elected to pay for the Service by credit card, the User agrees to payment and the Terms and Conditions of such payment, when such payment is made.

(Agreements with the credit card issuer govern use of the User's credit card, and the User must refer to that agreement to ascertain its rights and liabilities as a cardholder.) The User is charged in Ringgit Malaysia. The final purchase amount is the amount reflected on the Credit Card holder's statement.

8. Access Termination

e-pay reserves the right to terminate and/or suspend your access to this website and/or your use of this website at any time, for any reason. In particular, and without limitation, eGHL may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of e-pay, of any other user, or of any third party.

9. Governing Law

These terms and conditions are governed by and are to be construed in accordance with the laws of Malaysia. By accessing this website and/or using the services provided herein by e-pay, you hereby consent to the exclusive jurisdiction of the Malaysian courts in Kuala Lumpur, Malaysia in all disputes arising out of or relating to the use of this website.

e-pay makes no representation that the materials, information, functions and/or services provided on this website are appropriate or available for use in jurisdictions other than Malaysia.

10. Privacy Policy 

Any information we gather on this website is strictly for our use and it is not shared with any other entity, public or private, for any reason. We will not sell or give away any list or data that we may retain and we do not purchase such information from other sources as well. Our system track IP addresses and referring pages to help with site maintenance and improvements. This data will also only be used to track statistics to show the busiest time of the day or week, pages with errors, and how effective our advertising has been. This information is not shared or used for any other purposes. We do not store credit card information from what you order and only information about your purchases to allow us to track consulting issues or refer to a previous order to help provide customer service.