(a) ipaymy's decision in respect of all matters relating to this Referral Program shall be
final, binding and irrevocable.
(b) ipaymy's reserves the right to vary, delete or add to any of these terms and
conditions from time to time at its discretion. These terms and conditions prevail over
the contents of any brochure or other promotional material advertising the Promotion.
(c) ipaymy or its employees including the third-party providers used by ipaymy shall not
be responsible for any losses, damages, injuries sustained by the Referrer or Referee or
another person in connection with this Referral Program.
(d) ipaymy shall not be held responsible for the loss or expiry of any Promo Code to which
the Referrer or the Referee is eligible.
(e) ipaymy shall not process any refunds or be responsible in any manner if either the
Referee does not sign up for an account via the Referrer's unique invite link or the
Referee or Referrer forget to use their Promo Code.
(f) The collection, use, storage and disclosure of any personal data by any person shall
ipaymy website terms and conditions.
(g) Any dispute arising in connection with this referral program shall be governed by the
laws of Republic of Singapore and each participant irrevocably submits to the exclusive
jurisdiction of the courts of Singapore promotional material relating to the Promotion,
these Terms and Conditions will prevail.
(h) The updated terms and conditions shall not apply retrospectively.