1. Choose a Password that is easy to remember but difficult for someone else to guess;
2. Not give your Password to anyone else or store your Password on your computer;
3. Change your Password often; and
4. Exit from the Service whenever you leave your computer. If you authorize any other person to use your Password, such authorization shall be deemed without limitation, and we, your Financial Institution and each Biller, shall be entitled to rely on any payment orders or other entries or instructions made by or on behalf of such person using your Password until:


• you have revoked such authorization, changed your Password, and provided us with written notice of such revocation and
• we have had a reasonable opportunity to act upon such notice.

ALL QUESTIONS ABOUT TRANSACTIONS MADE WITH THE SERVICE MUST BE DIRECTED TO US AND TO THE F.I. WHERE YOU HAVE YOUR PAYMENT ACCOUNT.  We are responsible for the Service, answering queries regarding refunds and resolving any errors in transactions made with the Service.  Other questions related to your Payment Account should be directed to your F.I.   Questions about entries on the bills or statements that you receive through the Service, other than questions about payment made through the Service, must be directed to the Biller that sent the bill or statement.

Questions about payments made through the Service can be directed to SNT by telephone or in writing as follows:

• Your name, identity card number and your Payment Account number
• A description of the error or the transaction you are unsure about and an explanation of why you believe there is an error or why you need more information.
• The ringgit amount of the suspected error, transaction date and receipt number.

If you tell us orally, we may require that you send your complaint or questions in writing within ten (10) business days.

Within ten (10) business days after we hear from you, we will determine whether an error occurred and we will correct any error promptly. However, we may take up to forty-five (45) days to investigate your complaint or questions. If we need more time, we will provisionally credit your account within ten (10) business days for the amount you think was in error, so that you will have use of the credit during the time it takes us to complete our investigation. We will inform you within two (2) business days after the provisional credit of the account and the date of the crediting. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results of our investigation within three (3) business days after completion. If we decide that there was no error, we will include a written explanation. You may ask for copies of the documents that were used in our investigation. If we credit your account while investigating the error, you must repay those funds if we conclude that no error has occurred.

• If, through no fault of ours, you do not have enough money in your Payment Account to make the transfer
• If the transfer would go over the credit limit on your overdraft on credit line, if any
• If the payment would result in the maximum limit of your credit card being exceed
• If the Service was not working properly and you knew about the breakdown when you scheduled the payment
• If the failure is caused by an act or omission of someone other than us, such as (for example) your F.I., your Biller, or any provider of telecommunications services, Internet access or computer equipment or software
• If circumstances beyond our control (such as, a fire, flood or other natural disaster, war, riot, strike, act of civil or military authority, equipment failure, computer virus, or failure or interruption of electrical, telecommunications or other utility services) interfere with the transfer, despite reasonable precautions that we have taken
• If your Payment Account is subject to legal process or other restriction on access
• If you do not comply with the requirements of the Terms and Conditions herein, including Service Procedures
• If you had an opportunity to avoid or reduce any such losses or damages and failed to do so.

Except as provided in Section 9 above, the Communications and Multimedia Act 1998 or as otherwise required by applicable law, you agree as follows: The Service is provided as is and with all faults, and SNT hereby disclaims, for itself and all other entities involved in the provision of the Service, all warranties, either expressed or implied or statutory, including, but not limited to, any implied warranties of merchantability, fitness for a particular purpose or lack of viruses.

In no event shall SNT or any other entity involved in the provision of the Service be liable for (a) damages caused other than by its own gross negligence or intentional misconduct or (b) any indirect, special, incidental or consequential damages whatsoever (including, but not limited to, damages for lost profits, disclosure of confidential information, or loss of privacy), arising out of, or in any way related to the use of, or inability to use the Service, even if SNT or the Biller has been advised of the possibility of such damages. In no event shall SNT be liable for any act or omission of any third party (such as, your F.I., any Biller, or any provider of telecommunications services, Internet access or computer equipment or software) or any circumstances beyond our control (such as, a fire, flood or other natural disaster, war, riot, strike, act of civil or military authority, equipment failure, computer virus, or failure or interruption of electrical, telecommunications or other utility services).