{"id":1165,"date":"2023-09-11T09:47:25","date_gmt":"2023-09-11T09:47:25","guid":{"rendered":"https:\/\/www.worldfirst.com\/my\/?page_id=1165"},"modified":"2025-09-04T03:35:16","modified_gmt":"2025-09-04T03:35:16","slug":"legal","status":"publish","type":"page","link":"https:\/\/www.worldfirst.com\/my\/legal\/","title":{"rendered":"Legal Policies"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1165\" class=\"elementor elementor-1165\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f5d015 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f5d015\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-eb71d71\" data-id=\"eb71d71\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f43dce elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1f43dce\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h4 class=\"elementor-heading-title elementor-size-default\">Related content<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-651f447 elementor-widget elementor-widget-text-editor\" data-id=\"651f447\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<div class=\"x-anchor-content\"><div><span class=\"x-anchor-text-primary\">&#8211; <a href=\"\/my\/compliance\/\">Compliance<\/a><\/span><\/div><div>&#8211; <a href=\"\/my\/complaints\/\">Complaints<\/a><\/div><div><span class=\"x-anchor-text-primary\">&#8211; <a href=\"\/my\/privacy-policy\/\">Privacy policy<\/a><\/span><\/div><div><span class=\"x-anchor-text-primary\">&#8211; <a href=\"\/my\/cookie-policy\/\">Cookie policy<\/a><\/span><\/div><\/div><div class=\"x-anchor-content\"><div class=\"x-anchor-text\">\u00a0<\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-23ee41c disclaimer-content\" data-id=\"23ee41c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0501b71 elementor-widget elementor-widget-heading\" data-id=\"0501b71\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Legal disclaimer<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff915db elementor-widget elementor-widget-text-editor\" data-id=\"ff915db\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>WorldFirst, its officers, employees, representatives or agents shall not be held liable for any damages or injury resulting from your access to, or inability to access, this internet site, or from your reliance on any information provided on this site or any accompanying literature or documentation.<\/p><p>The information and material provided on this site do not constitute an offer to sell or the solicitation of an offer to buy, any currencies or securities and must not be relied upon in connection with any investment decision.<\/p><p>Whilst we take reasonable care to keep the information on the website accurate and up to date, there may be occasions when this is not possible.<\/p><p>All facts quoted about &#8216;WorldFirst&#8217; on the website are in relation to group statistics and not individual subsidiaries, unless otherwise stated.<\/p><p>Case studies and examples are provided for your information only and are not intended to predict future moves in exchange rates.<\/p><p>If you are in any doubt as to the suitability of any foreign exchange product that you are intending to purchase from WorldFirst, we recommend that you seek independent financial advice first.<\/p><p>Telephone calls are recorded for training and quality assurance purposes. WorldFirst makes no representations, warranties, or assurances as to the accuracy or completeness of any information derived from third party sources.<\/p><p>The information and material provided on this site may not be reproduced or distributed, in whole or in part, without the prior written consent of WorldFirst.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d98807 elementor-widget elementor-widget-heading\" data-id=\"6d98807\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SITE TERMS OF USE<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0d9394 elementor-widget elementor-widget-text-editor\" data-id=\"a0d9394\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4>PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE<\/h4><p>By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms, you must not use our site. We recommend that you print a copy of these terms for future reference.<\/p><h4>About us<\/h4><p><a href=\"https:\/\/www.worldfirst.com\/uk\/\">www.worldfirst.com<\/a>\u00a0is operated by World First UK Ltd (&#8220;<strong>WorldFirst UK<\/strong>&#8220;) and its affiliates (\u201c<strong>WorldFirst<\/strong>\u201d, \u201c<strong>us<\/strong>\u201d or \u201c<strong>our<\/strong>\u201d), including WorldFirst (Singapore) Merchant Services Pte. Ltd. (\u201c<strong>WorldFirst\u00a0MS<\/strong>\u201d).<\/p><p>WorldFirst UK is registered in the United Kingdom under company number 05022388 (you may look this up on the\u00a0<a href=\"https:\/\/www.gov.uk\/government\/organisations\/companies-house\">Companies House Website<\/a>) and its company address is 2nd Floor, International House, 1 St Katharine&#8217;s Way, London, E1W 1UN.<\/p><p>WorldFirst MS is registered in Singapore under company number 201735998W and is licensed to carry on cross-border money transfer services and e-money issuance services as a Major Payment Institution under the Payment Services Act 2019 by the Monetary Authority of Singapore (\u201c<strong>MAS<\/strong>\u201d). WorldFirst MS is also exempted from holding a licence in respect of its provision of account issuance services, domestic money transfer services and merchant acquisition services pursuant to the Payment Services (Exemption for Specified Period) Regulations 2019.<\/p><p>If you purchase services from our site, from us, or one of our subsidiary or affiliate companies, the relevant customer terms and conditions will apply to those sales.<\/p><p>All of our services or the services of any of our subsidiaries or affiliates (as the case may be) are also subject to additional terms and conditions, which you may find on the site.<\/p><ul><li>The WorldFirst UK Privacy Policy can be found here, the WorldFirst MS Privacy Policy can be found here . Each of these sets out how the relevant entity collects, holds, discloses and uses personal information that it collects from you. By using our site, you consent to this date being collected and you warrant that all the data is accurate<\/li><li>Our Cookie Policy, detailing their use on our site, can also be\u00a0found here<\/li><li>Our Legal disclaimer can be found here<\/li><\/ul><h4>Accessing the site<\/h4><p>We do not guarantee that the site, or any of the content on it, will always be available or uninterrupted. We reserve the right to suspend, withdraw or restrict the availability of all or any part of the site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.<\/p><p>We will not be liable for the site being unavailable at any time.<\/p><p>If you choose, or you are provided with, a login, password, or any other piece of information as part of our security procedures, you must treat such information as confidential. We reserve the right to disable any login or password, whether chosen by you or allocated by us, at any time, if we believe you have failed to comply with any of the provisions contained in these terms.<\/p><p>As the site visitor, you are responsible for making all the necessary arrangements for accessing the site. You are also responsible for ensuring that all persons who access the site through your internet connection are aware of, and comply with, these terms.<\/p><p>Our site is made available free of charge.<\/p><h4>Do not rely on information on this site<\/h4><p>The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.<\/p><p>Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.<\/p><h4>Our liability<\/h4><p>Nothing contained in this clause excludes or limits WorldFirst&#8217;s liability for death or personal injury arising from negligence, fraud, fraudulent misrepresentation or any other liability that cannot be excluded or limited by law.<\/p><p>To the extent permitted by law we exclude all conditions, warranties, representations and other terms, whether express or implied, which may apply to the site, or any content on it. You therefore use the site at your sole risk and WorldFirst will not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance upon the information contained on the site, to the maximum extent permitted by law.<\/p><p>We do not represent or warrant that the site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating destructive properties will be transmitted or that no damage will occur to your computer. It is your sole responsibility to ensure you have adequate protection and back up of data and equipment, as well as undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.<\/p><p>We make no representations or warranties regarding the accuracy, functionality or performance of any third-party software that may be used in connection with the site.<\/p><p>To the fullest extent permitted by law we, our representatives, agents and related entities hereby exclude all conditions, warranties and other terms which otherwise might be implied by statute, common law, or equity.<\/p><p>Additionally we will not be liable for any direct, indirect or consequential loss or damage incurred by you in connection with the site or in connection with the use, inability to use, or results of the use of the site and any materials posted on it. This includes, but is not limited to:<\/p><ul><li>loss of income or revenue;<\/li><li>loss of business;<\/li><li>loss of profits or contracts;<\/li><li>loss of anticipated savings;<\/li><li>loss of data;<\/li><li>loss of goodwill;<\/li><li>wasted management or office time;<\/li><li>and any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.<\/li><\/ul><h4>Viruses, hacking and other offences<\/h4><p>You must not misuse the site by knowingly introducing viruses, Trojans, worms, bots, logic bombs or any other malicious software.<\/p><p>You must not attempt to gain unauthorised access to the site, the server on which our site is stored or any server, computer or database connected to the Site.<\/p><p>You must not attack the Site via a denial of service (&#8220;DOS&#8221;) attack or a distributed DOS attack. WorldFirst will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your personal information to them. In the event of such a breach, your right to use the site will cease immediately.<\/p><p>We do not guarantee that the site will be secure or free from bugs or viruses. It is your responsibility to ensure you have up-to-date and effective anti-virus and anti-malware software on your phone, tablet, computer, server, network infrastructure or any other device through which you transact with us. If you believe any device through which you transact with us has been infected by any malicious software, you must notify us immediately by calling us.<\/p><p>We will not be liable for any loss or damage caused by a distributed DOS attack, viruses or any other malicious software that infect your computer equipment, computer programs, data or other proprietary material due to your use of the Site or to your downloading of any material posted on it, or on any site linked to it.<\/p><p>We shall not be liable for any loss or damage suffered by you as a result of using public network connections, failing to have an up-to-date and effective anti-virus and anti-malware software or failing to notify us that your device has been infected by any type of malicious software.<\/p><h4>Linking to the site<\/h4><p>You may link to our homepage provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.<\/p><p>You must not establish a link in such a way as to suggest any form of association, approval or endorsement by us where none exists.<\/p><p>You must not establish a link on any site that is not owned by you, for example in online forums, chats or message boards.<\/p><p>Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.<\/p><p>We reserve the right to withdraw linking permission without notice.<\/p><h4>Links from our site<\/h4><p>Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. We have no control over the contents of those sites or resources.<\/p><h4>Jurisdiction<\/h4><p>If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by the laws of England and Wales. You and we both agree that the courts of England and Wales will have exclusive jurisdiction.<\/p><p>If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by the laws of England and Wales. We both agree to the exclusive jurisdiction of the courts of England and Wales.<\/p><h4>Trade marks<\/h4><p>WORLDFIRST and WORLD ACCOUNT are registered trademark\u2019s of World First UK Limited. You are not permitted to use them without our approval, unless they are part of materials you are using as permitted by us.<\/p><p>We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.<\/p><p>You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.<\/p><p>You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.<\/p><p>You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.<\/p><p>If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.<\/p><h4>Changes to these terms<\/h4><p>We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.<\/p><h4>Changes to our site<\/h4><p>We may update and change our site from time to time to reflect changes to our products, our users&#8217; needs and our business priorities. We will try to give you reasonable notice of any major changes.<\/p><h4>Your concerns<\/h4><h4>For general queries relating to your World Account:<\/h4><p><strong>WorldFirst (Singapore) Merchant Services Pte. Ltd.<\/strong><br \/>128 Beach Road, #20-01, Singapore 189773<\/p><p>Telephone: +65 6805 4381<br \/>Email:\u00a0<a href=\"mailto:complaints@worldfirst.com\">complaints@worldfirst.com<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90869d6 elementor-widget elementor-widget-text-editor\" data-id=\"90869d6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div><p><b>Download our <\/b><strong><span class=\"ne-text\">World Account Terms and Conditions:<\/span><\/strong><\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4920f58 elementor-widget elementor-widget-button\" data-id=\"4920f58\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/render.worldfirst.com\/p\/c\/180021490000000255\/index.html?agreementId=BP00100015&#038;env=prod\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24cef7b elementor-widget elementor-widget-text-editor\" data-id=\"24cef7b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div><p><b>Download our <\/b><strong><span class=\"ne-text\">World Card Terms and Conditions:<\/span><\/strong><\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-faf8662 elementor-widget elementor-widget-button\" data-id=\"faf8662\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/10\/2025\/05\/20250526133810686.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Related content &#8211; Compliance&#8211; Complaints&#8211; Privacy policy&#8211; Cookie policy\u00a0 Legal disclaimer WorldFirst, its officers, employees, representatives or agents shall not be held liable for any damages or injury resulting from your access to, or inability to access, this internet site, or from your reliance on any information provided on this site or any accompanying literature [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Our Legal Policies | WorldFirst MY<\/title>\n<meta name=\"description\" content=\"Disclaimer policy from WorldFirst, providers of foreign currency exchange and money transfers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.worldfirst.com\/my\/legal\/\" \/>\n<meta property=\"og:locale\" content=\"en_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Legal Policies\" 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