The Services enable you, as the Sender, to engage in an online transaction whereby you transfer a specified sum of funds (referred to as the "Transfer Amount") through BolehPayz application, to a specified recipient (the "Receiver"). Each such transaction constitutes a "Transfer."

“International Transfer” - A person-to-person transfer directed to a Receiver situated in a foreign jurisdiction. In the case of International Transfers, the Receiver must be an individual (i.e., the Transfer constitutes a person-to-person transfer) with the intention of having the Sender deposit the Transfer Amount into an individual's designated bank account.

Our Services are exclusively available for use within the designated territory of Malaysia only. Further details about the Services can be accessed on the Website or by contacting our Customer Service. The Services, underlying Transfers, and specific aspects thereof may be subject to delays, restrictions, forfeitures, or unavailability due to applicable laws and regulations governing our Services, as well as circumstances and conditions related to your usage of the Services.

We will disclose information regarding the Transfer, including the Transfer Amount, as well as other relevant details pertaining to you and/or the utilization of our Services, to the relevant legal or regulatory authorities, governing bodies, or entities as required or deemed appropriate in accordance with the applicable laws and regulations governing our Services.

User must be at least 18 years of age and legally permitted under the applicable laws and regulations.

User must possess a valid Identification Card “ID” such as MyKad, MyPR and MyKas (for Malaysian), and passport or working visa (for foreign/migrant worker).

User are permitted to use the Services solely for lawful purposes and are prohibited from using the Services for: -

1. gambling activities.

2. Transfer on behalf of a third party.

3. To send funds to individuals whom you do not have prior knowledge of.

User must take all necessary measures to protect their password, including changing it regularly. They must keep their password confidential and refrain from disclosing it to third party. The user is responsible for any transactions or activities that conducted through their account, including unauthorized use.

The User affirms that all details and information provided to facilitate approval and registration for Services are truthful, precise, up-to-date, comprehensive, and not deceptive. The User agrees to promptly inform WorkerzDirect of any changes to the User's provided personal details, in writing, by utilizing the BolehPayz e-form in apps and website, or by sending an email to [email protected].

A Transfer will generally be accessible for collection by the Receiver within the operating hours of the designated Correspondent. However, for transfer to an bank account, WorkerzDirect cannot provide a guarantee regarding the timing of crediting into the receiver account. Delay in Transfers may arise due to factors such as availability, conditions in the destination country, or regulatory requirements.

Fund sent to an account will be credited to the bank account within three business days after the transaction date. A "Business Day" means a day when the Correspondent providing the service is open for business, except for weekends and national holidays.

Any requests for transaction received by WorkerzDirect after 5.00pm on a Business Day will be processed on the subsequent Business Day.

WorkerzDirect reserves the right, without prior notice (except where mandated by law) and without assuming any liability towards you, to decline any instruction for a Transfer, suspend or deactivate your User Account (as defined below), halt or reverse any Transfer, or otherwise suspend or terminate access to, or decline to provide, any Services at its sole discretion, including but not limited to such actions: -

1. If you attempt to initiate a Transfer that is not yours, lacks sufficient available funds or credit, has expired, or if the payment is declined or the payment is blocked or reversed for any reason.

2. If we have reason to suspect that any Transfer may not be authorized by you.

3. If any Transfer involves funds that are subject to a hold, dispute, or legal process preventing withdrawal from the relevant bank account or credit card account.

4. If you have violated any term or condition of this Agreement, or if any representation or warranty made by you under this Agreement is found to be false.

5. If we determine that your User Account has been inactive.

6. If, in our sole discretion, we believe that you are directly or indirectly using, or attempting to use, the Services for any unlawful or improper purpose.

7. If you provide incomplete, incorrect, or false information about yourself and the Receiver.

8. If you attempt to manipulate, hack, modify, or otherwise compromise the security or functionality of the BolehPayz application or the Services.

For each remittance transaction conducted via the BolehPayz application, the User is accountable for a Transaction Fee imposed by WorkerzDirect . The relevant Transaction Fee and foreign exchange rate will be established according to the most recent rate published by WorkerzDirect periodically on the WorkerzDirect website and BolehPayz application. The User recognizes that WorkerzDirect retains complete discretion in setting the Transaction Fee and relevant foreign exchange rate.

Our remittance services are subject to a multi-tier daily exchange rate structure, determined by the transaction amount and without any additional service fees. For detailed rate tiers, please refer to the rate table available within your BolehPayz app.

If you request a refund or cancel a payment before the receiver collect the funds and in accordance with our refund policy, we will reimburse you the original payment amount based on the exchange rate at the transaction time. To obtain the refund, you must supply WorkerzDirect with a valid receipt and present valid identification indicating that the transaction was conducted through our system.

If a transaction is cancelled by WorkerzDirect or the correspondent bank, and the customer requests a refund within 7 days of the transaction, WorkerzDirect will refund the full amount to the customer within 14 business days. To initiate a refund, customers must submit their requests through the BolehPayz e-Form on the app or website, or by sending an email to [email protected]. Alternatively, customers can contact our Customer Service at 03-50332458 for assistance with the refund process.

Please note our Data Protection policy, which can be accessed from our Correspondents and prominently displayed at each of our Correspondents' business premises. We specifically draw attention to the provisions regarding the transfer of your personal data outside of Malaysia.

We may gather personal data, including but not limited to your name, email address, phone number, and physical address, either when voluntarily submitted by you or when you utilize our services. The collected data is utilized to deliver and enhance our services, establish communication with you, facilitate transactions, and fulfill your specific requests.

The User acknowledges that the BolehPayz Services must comply with the relevant rules, guidelines, and requirements set forth by the Central Bank of Malaysia or Bank Negara Malaysia ("BNM").

If you have a complaint regarding the Service, please contact WorkerzDirect's Customer Services by telephone, mail, or email as specified in Clause 17.

In the event that WorkerzDirect fails to complete a Transfer on time or in the correct amount despite receiving a fully paid, timely, complete, and accurate Transfer request in accordance with this Agreement, WorkerzDirect's liability will be limited to your directly caused actual damages, as mandated by relevant legal requirements.

Unless mandated by law, your exclusive recourse against WorkerzDirect shall be limited to the reimbursement of the Transfer Amount alongside any refundable Transfer Fees levied by WorkerzDirect. No other remedies are available to you, including any for incidental, indirect, special, or consequential damages. These limitations apply regardless of the cause of your claim, including negligence or other fault on the part of WorkerzDirect. WorkerzDirect are not responsible for the actions or omissions of issuers, carriers, or any of their service providers.

Only parties to the agreement will possess the right to enforce any provision of the agreement.

If any provision (or part thereof) of the agreement (including the Terms and Conditions) is deemed invalid, illegal, or unenforceable by any court or competent authority, such provision or part-provision shall be considered as not forming part of the agreement to the extent necessary. The validity and enforceability of the remaining provisions of the agreement shall remain unaffected.

The agreement shall be interpreted in accordance with Malaysian law, and any disputes arising from the agreement shall be exclusively subject to the jurisdiction of the Malaysian courts.

If WorkerzDirect provides you with a translation of the English and Bahasa Indonesia version of the Terms and Conditions, you acknowledge that the translation is provided solely for your convenience. It is understood that the English version of the Terms and Conditions will prevail and govern the provision of the Service by WorkerzDirect to you.

If you wish to lodge any complaints, please contact our representatives or write to us at: WorkerzDirect Sdn.Bhd.
Suite 02-03, Lobby B, UOA Corporate Tower,
Avenue 10, The Vertical, Bangsar South City
No.8, Jalan Kerinchi, 59200 Kuala Lumpur

Tel : +603-5033 2458
E-mail: [email protected]

WorkerzDirect reserves the right to modify, adjust, or revise any or all of these Terms and Conditions at its discretion. Such changes will be communicated through its official mobile application or System. By continuing to use the Services provided by WorkerzDirect following the posting of such modifications, the User implicitly consents to be bound by them. The User waives any claims against WorkerzDirect for any losses incurred as a result of such modifications, adjustments, or revisions.