Terms & Conditions
1. Introduction
Papaipay is operated by PICM Sdn. Bhd. [Registration No.: 1439515-D (202101039115)]. These Terms & Conditions explain the use of the Papaipay website and information related to services presented on this website.
2. Website Use
By using this website, you agree to use it responsibly, lawfully, and without misusing any content, forms, functions, or communication channels provided by Papaipay.
3. Website Information
Information on this website is provided for general information only. It is not intended as legal advice, specific financial advice, or a guarantee that any option is suitable for every user circumstance.
4. Papaipay Services
Papaipay may provide general financial advisory, financial commitment review, asset-planning-related information, and customer guidance based on information shared by users.
5. No Guarantee of Approval
Papaipay does not guarantee any approval, financing, restructuring, or specific outcome. Any decision is subject to the processes, criteria, and assessment of the relevant parties.
6. User Responsibilities
Users are responsible for ensuring their use of this website complies with applicable laws and for not submitting false, misleading, or incomplete information through any form or communication channel.
7. Accuracy of Information
You should provide accurate, complete, and current information when contacting Papaipay or submitting information through the website. Papaipay may contact you based on information submitted through this website.
8. Intellectual Property
The content, branding, layout, design, text, graphics, and other materials on this website belong to Papaipay or PICM Sdn. Bhd. unless stated otherwise. Any unauthorised use is not permitted.
9. Third-Party Links
This website may contain links to third-party websites or platforms. Papaipay is not responsible for the content, practices, security, or policies of those third parties.
10. Limitation of Liability
To the extent permitted by law, Papaipay is not liable for any loss or damage arising from use of this website or reliance on general information displayed on the website.
11. Changes To These Terms
Papaipay may update these Terms & Conditions from time to time. Any changes will be posted on this page and will take effect when published on the website.
12. Governing Law
Use of this website and these Terms & Conditions are governed by the laws of Malaysia.
13. Contact Us
For questions about these Terms & Conditions, please contact Papaipay by email at [email protected].