General Terms & Conditions

  1. Overall terms
    1. The Terms and Conditions set forth herein (collectively, the “Terms”) form a legal agreement between you and You Technologies Group Limited and its respective subsidiaries, including You Technologies Group (Singapore) Pte Ltd, You Technologies Group (Hong Kong) Limited and jointly controlled entities (collectively “You Technologies”, “the Company”, or “we”).
    2. By accepting these Terms, you are also deemed to have accepted:
      1. Our Privacy Policy
      2. The terms and conditions of our partners including but not limited to, for the avoidance of doubt, the Cardholder Terms by EZ-Link Pte Ltd (the “Card Issuer”).
    3. You must agree to the Terms set out below in order to engage in any interaction with our payment card, mobile application, software, website and customer services (collectively, the “Services”), and by either using the Company’s mobile application (the “App”), downloading, installing or using any associated software of the Company (the “Software”), you are expressly acknowledging and agreeing to be bound by these Terms, as well as any future amendments and additions made to the Terms as published from time to time on www.you.co or through the App.
    4. By using the Services, you agree that you have read, understood, accepted and agreed with our Terms. If you do not agree to the Terms and wish to discontinue using the Services, please discontinue using the App or the Services. If you do not agree to within the Terms of the Services and wish to discontinue using the Services, please refrain from further usage or interaction with the App, the Services, the physical or virtual prepaid VISA or MasterCard card (the “Card”), and the Company website.
    5. The Company may change the Terms or its policies relating to the Services at any time as it deems fit. These changes are effective once they are posted on www.you.co. You agree that it shall be your responsibility to review the Terms regularly and also the Terms applicable to any country where you use the Services, which may be different from the country where you registered for the App (the “Alternate Country”), whereupon the continued use of the Services after any such changes, whether or not reviewed by you, shall constitute your consent and acceptance to such changes.
  2. Prior to Account Creation
    1. When you sign up on our registration or waiting list, you are agreeing to allow the Company to contact you and use your e-mail and/or phone number that you have provided in any way deemed reasonable to assist you in the process of creating an account (“YouTrip Account” or “Account”) for you.
  3. Account Creation
    1. When you sign up, you are creating a YouTrip Account unique to your phone number. During the creation of a YouTrip Account, we will ask you to provide certain information that is necessary to complete the registration. As creating a YouTrip Account is the necessary first step to using our App and the Card, your cooperation is imperative in this regard.
  4. Identity Authentication
    1. You agree to cooperate with all requests made by us or any of our third party service providers in relation to your Account, to identify you, authenticate your identity, or validate your funding sources or transactions. The Company and/or the Card Issuer may close, suspend, or limit access to your Account and/or the Services if we are unable to obtain or verify these Information. You also agree to authorise the Company – directly or via the Company’s third party service providers – to make any enquiries we deem necessary to validate your identity. Some examples of these enquiries include asking for your date of birth, driver’s license or other such information to help the Company and/or on behalf of the Card Issuer to identify you, and may also involve some assistance on your part, such as taking steps to confirm ownership of your phone number, payment instruments, or verifying your information against third party databases.
  5. Accuracy of Information
    1. You are responsible for the accuracy of the applicable payment information for each usage of Services you are involved in, including the transaction, e-mail address, telephone number of the recipient, WhatsApp, Facebook or any other communication channels as well as the amount of the transaction. Any losses that occur as a result of your providing inaccurate information shall not be deemed responsible by the Company.
  6. Approved Devices and Platforms
    1. Our App is intended to be used on mobile devices, Apple or Android operating systems, the You Technologies website or other devices or operating systems approved by the Company, as provided to you directly by the Company. As such, a number of our services shall be delivered through your mobile device and computer. You may not use the Services on a mobile device or the mobile device’s operating system, other device or other device’s operating system that has been modified or customised in any way. You bear the sole responsibility for such unauthorised use of the Services, and any losses that occur as a result shall not be deemed responsible by the Company.
  7. Data Security
    1. You are responsible for maintaining reasonable security and control of your mobile phone, all IDs, passwords, personal identification numbers (PINs), or any other codes that you use to access the Services, the Card and your Account. You agree to immediately notify us of any unauthorised use of your login credentials or other breach of security, via our in-App message support system. You can also block your Card on the App at any time.
  8. Consent to Notice and Communications
    1. By providing your personal information to us, or using our website, or signing up for or accessing products or services we offer during any of our interactions, either directly with us or through our agents and / or partners, you are consenting to the following:
      1. The Company may collect, use, disclose and / or process your Personal Data for the Purposes and Additional Purposes as described in our Privacy Policy;
      2. The Company and its partners may reach out to you regarding our services or marketing of other related services to you via email, phone, SMS, mobile application, and other applicable channels;
      3. The Company may collect Personal Data about you from sources other than yourself and use, disclose and / or process the same for one or more of the Purposes and Additional Purposes as described in our Privacy Policy; and
      4. The Company may disclose your Personal Data to our third party service providers or agents (including its lawyers / law firms) for the Purposes and Additional Purposes as described in our Privacy Policy.
  9. Restricted Activities
    1. You agree to not carry out the following activities while using the Services, or while interacting with the Company, other users of the Services (“Other Users”) or third parties (the “Restricted Activities”):
      1. Infringe the Company or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights or rights of publicity or privacy;
      2. Act in a manner that is defamatory, libelous, threatening or harassing;
      3. Provide false, inaccurate or misleading information;
      4. Engage in debt-collection;
      5. Instruct us to send or receive what we reasonably believe to be potentially fraudulent funds on your behalf;
      6. Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;
      7. Control a YouTrip Account that is linked to another YouTrip Account that has engaged in any of these Restricted Activities;
      8. Take any action that imposes an unreasonably or disproportionately large load on our infrastructure; facilitate any viruses, Trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information; use an anonymising proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our website without our prior written permission; or interfere or attempt to interfere with the Services;
        Take any action that may cause us to lose any of the Services from our internet service providers, payment processors, or other suppliers;
      9. Use the Services to test credit card behaviors;
      10. Circumvent any You Technologies policy or determinations about your Account such as temporary or indefinite suspensions or other YouTrip Account holds, limitations or restrictions, including, but not limited to, engaging in the following: attempt to create a new or additional YouTrip Account when a YouTrip Account has a negative balance or has been restricted, suspended or otherwise limited; create a new or additional YouTrip Account using Information that does not belong to you (e.g. name, address, e-mail address, etc.); or use a YouTrip Account that does not belong to you;
      11. Harass our employees, agents or Other Users; and
      12. Use your Account to carry out, or attempt to carry out, transactions that we believe are not permitted by these Terms, such as the aforementioned activities, or applicable law. We may take action under our sole discretion to freeze, close, suspend, terminate or limit your access to the Services, as well as refuse to facilitate any transactions, as a consequence.
  10. Changes to the Services
    1. We may change, suspend or discontinue any aspect of the Services at any time, including hours of operation or availability of the Services or any service features, without notice and without liability. We may also impose limits on certain service features or restrict access to some or all of the Services without notice and without liability.
  11. Card Service
    1. You will be issued a Card by the Card Issuer and you hereby authorise us to share any information you provide to us with the Card Issuer. The Card Issuer will use such information in accordance with its Privacy Policy.
  12. Transaction Limits
    1. Any purchases of goods and/or services from a merchant by using the Card or through the Account (the “Transaction” or “Transactions”), may be limited by applicable limits set by the Company or the Card Issuer.
  13. Reported Account Balance
    1. Balances and available funds reported via the Services are only approximate real time balances, not the settled balances in your Account, and may not include pending debits and credits. Regardless, the Company will provide you information about pending debits and credits when it becomes available.
  14. Methods of Sending, Spending or Exchanging Money
    1. By sending, spending or exchanging money, you are authorising and instructing the Company to execute the transaction. After you have authorised the Transaction, you will not be able to cancel it, except as provided for by applicable law. You are responsible for confirming the accuracy of any Transactions made by you only.
  15. Receipts at Merchant Locations
    1. The Company provides virtual receipts for all Transactions, which are accessible through the App. Additionally, merchants should provide you receipts when you use the Services. No physical receipt or other written confirmation in connection with any Transaction shall be provided by the Company.
  16. Refused and Refunded Transactions
    1. When you make a payment, the recipient is not required to accept it. The Company shall not be liable for any losses incurred as a result of the recipient’s refusal of payment. Any unclaimed, refunded or denied payment will be returned to you through the original payment method, and any unclaimed payment will be returned to you within 30 days of the date you initiated payment.
  17. Fraud Detection
    1. If the Company has reason to believe that your instructions may involve fraud or misconduct, or violate applicable law, these Terms of Service, applicable You Technologies policies, as determined in the Company’s sole and absolute discretion, we may delay sending instructions on your behalf, or refuse it altogether.
    2. Some merchants, such as car hire companies, hotels, restaurants and other service providers will estimate the sum of money you may spend with them or for which you require authorisation. This estimate may be for an amount greater than the amount you ultimately spend with them or are charged for by them, which means that some of the funds on your Account may be held for up to 30 days until the merchant has settled the Transaction amount, and as a result, you will not be able to spend this estimated sum during this period. We are not able to release such sum without the merchant’s authorisation, and in some situations, you may be required to have a maximum of 20% more on your Account than the value of the bill to allow for any service charge added by the restaurant.
  18. Fraud Monitoring
    1. The Company may monitor your Transactions for the purpose of determining fraudulent activity and whether you are in good standing. We may decide to suspend your Account, or put limitations on your usage based on our methods, which are subject to change without notice. The Company will use all available information to help fight fraud on our system, and as such, your cooperation is highly appreciated. If you believe your Account has been opened or used in an unauthorised manner, please contact us immediately.
  19. Unauthorised Transactions
    1. You shall be liable for all losses incurred as a result of unauthorised Transactions if:
      1. You have acted fraudulently;
      2. You have intentionally or negligently compromised the security of your Account negligence; or
      3. You have provided any of your Account ID Information to another person who then used these details to carry out Transaction.
    2. We may charge you for any reasonable costs that we incur in order to stop your Card or your Account being used and to recover any monies owed as a result of the aforementioned circumstances.
  20. Exchange Rates
    1. Where traded prices differ from market rates as a result of any external factors including volatile market conditions, the Services system failure or any other external factors, the Company may revert foreign exchange trades done with you. In addition, the exchange rates provided to you from our App are indicative rates. Due to internet connectivity and any system timing differences, you acknowledge that the actual exchange rate may be different from the indicative rates.
  21. Limitations on Closing Your Account
    1. You are prohibited from closing your Account to evade an investigation. Doing so may result in the Company freezing the relevant YouTrip Account to protect all parties to the Services, its affiliates, or a third party against any liability. Additionally, you will remain liable for any obligations related to your Account even after your Account has been closed.
  22. Restricted Activities in Relation to the Your Account
    1. While using the Company’s website at www.you.co, the Company’s App and any other services accessed by you through our website or App, or during any of your interactions with the Company, Other Users, or third parties, you agree not carry out any of the following:
      1. Breach these Terms, or any other agreement or policy that you have agreed to with the Company, the Card Issuer, or other third party service providers;
      2. Violate any law, statute, ordinance, or regulation;
      3. Use the Services to purchase or sell, or to facilitate the purchase or sale of, illegal goods or services, including, but not limited to: unlawful sexually oriented materials or services, counterfeit products, unlawful gambling activities, fraud, money laundering, funding of terrorist organisations, or the unlawful purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances;
      4. “Double-dip” during a Dispute, Chargeback, Reversal or other investigation. “Double-dipping” refers to intentionally or knowingly receiving or attempting to receive funds from both You Technologies and a merchant or the Card Issuer for the same Transaction;
      5. Use the Services in a manner that is likely to result in or may result in complaints, Disputes, Reversals, Chargebacks, fees, fines, penalties or other liabilities to You Technologies, Other Users, third parties or yourself;
      6. Use your Account or the Services in a way to lead the Card Issuer, VISA, MasterCard or any other electronic funds transfer network to reasonably believe to be an abuse of the card system or a violation of card association or network rules;
      7. Allow your Account to have a negative balance;
      8. Refuse to cooperate in an investigation or confirm your identity or any Information you provide to us; or
      9. Use the Services in a way to lead us to reasonably believe may be a violation of any applicable electronic payment network rules, card association or network rules, or applicable law.
  23. Governing Law & Jurisdiction
    1. The construction, validity and performance of these Terms shall be governed by and construed in accordance with Singapore law. Each party mentioned herein hereby submits to the non-exclusive jurisdiction of the Singapore courts.
  24. Internet Delays
    1. As with any electronic products, the Services, App and/or the Software may be subject to limitations, delays and other problems that comes with using the internet and electronic communications, including the device used by you or third party service providers being faulty, not connected, out of range, switched off or not functioning. The Company is not liable for any delays, delivery failures, damages or losses that occur as a result of these problems.
  25. Checking for Communications and Updates
    1. We will post new communications and updates from time to time on the App or the website, and while we may notify you with regards to these new communications to your Account or the Services, we are not obliged to do so under these Terms. As such, it is your responsibility to log on to your Account and the Services to open and review these communications. You are also responsible for reviewing your notices and Transaction history, and to promptly report any questions, apparent errors, or unauthorised Transactions. Failure to contact You Technologies in a timely manner may result in your loss of funds or important rights. Further, we are under no obligation to provide you with a separate periodic statement for your usage of the Services unless you specifically request for one, in which case you will be charged a fee. Additionally, the Company can implement a forced update of the App as it deems necessary.
  26. Customer Support
    1. You may contact our customer support for any enquiries regarding payment transactions, or any other related enquiries that may occur during your use of our App. If you discover any error or unauthorised Transaction, please contact our customer support immediately. Our customer support team can be reached through the in-App message support system. You can also block your Card on the App at any time.
  27. Updating Your Contact Information
    1. It is your responsibility to keep your contact information up to date so that the Company can communicate with you without any problem. When the Company sends you an electronic communication but you cannot receive it because your e-mail address on file is incorrect, out of date, blocked by your service provider, or you are unable to receive electronic Communications for other reasons, the Company will be deemed to have provided the Communication to you, and shall not be liable for any damages or losses incurred as a result.
    2. If your phone number or e-mail becomes invalid, the Company may deem your YouTrip Account to be inactive, and you may not be able to use your Account until the Company receives a valid, working phone number or e-mail address from you.
  28. Waiver
    1. Our failure or delay in exercising any power, right, or remedy under these Terms shall in no way be deemed as a waiver of such power, right, or remedy.
  29. Third Party Rights
    1. Any person or entity who is not a party to these Terms shall be given no right under the Contracts (Rights of Third Parties) Act, chapter 53B of Singapore to enforce any of these Terms, whether such person or entity has been identified by name, as a member of a class or as answering a particular description.
  30. Amending these Terms
    1. We may amend any part of these Terms at any time we deem fit, and shall give notice of such amendment by posting the same on our website at www.you.co, or through such channels as we may deem appropriate. The notification period of these amendments shall be one month, during which no notification of the contrary from you shall constitute an acceptance of these changes by you. However, your notification of the contrary shall be deemed to be a notice that you wish to close your YouTrip Account. Your continued use of the Card after the notification period shall be deemed to be your acceptance of such revised Terms.