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Terms of Service: Payment and Rewards

Last modified: 4 August 2026

Terms of Use for GrabPay Users in the Philippines

Important – please read these terms carefully. By using the Service (as defined below), you agree that you have read, understood, accepted, and agreed with the Terms of Use. You further agree to the representations made by yourself below. If you do not agree to or fall within the Terms of Use of the Service and wish to discontinue using the Service, please do not continue using the Application (as defined below) or the Service. 

The Terms of Use stated herein (collectively, the “Terms of Use” or this “Agreement”) constitute a legal agreement between you (the “User”) and GPAY NETWORK PH, INC. (the “Company”) and GP NETWORK ASIA PTE. LTD. (the “Company’s Affiliate”) in relation to the Grab loyalty programme.

By using the Grab mobile application supplied to you by the Company’s affiliated company/ies (the “Application”), and downloading, installing or using any associated software supplied by the Company (the “Software”) which overall purpose is  to establish an account with the Company (“Grab Account”) and use the GrabPay Wallet  or use the Application to make payments (collectively, the “GrabPay Service”), you hereby expressly acknowledge and agree to be bound by these Terms of Use, and any future amendments and additions to these Terms of Use as published from time to time at https://www.grab.com or through the Application, and your continued use of the Service after any such changes, whether or not reviewed by you, shall constitute your consent and acceptance of the revised Terms of Use. Notwithstanding the foregoing, and subject to applicable laws and regulations, the Company will provide at least sixty (60) calendar days’ notice of any changes, which the Company in its reasonable discretion deem material, to these Terms of Use following which your continued use of the Service will be deemed to confirm your acceptance of such changes. 

You may use the GrabPay Service to make:

  •   in-app payment via the GrabPay Wallet and such other in-app payment methods made available by the Company in the Application (including purchase of goods or services of merchants made available within the Application and the transfer of funds from your GrabPay Wallet to another user’s GrabPay Wallet or account via InstaPayDuitNow transfer); and/or
  •     in-store payment to merchants using any supported payment methods made available by the Company in the Application. Such supported payment methods include, but are not limited to: (i) scanning or utilizing a QR Code; and (ii) other identification or authentication methods, whether proprietary to the Company or belonging to or operated by third parties. All payments shall be funded using any of the Funding Sources as further detailed in Section 3 below.
 1. Use of GrabPay Service
  • By registering, you represent and warrant that you are at least eighteen (18) years of age and have the legal capacity to agree with these Terms.
  • Type of payments that can be made with the GrabPay Wallet:
    • GrabPay is the issuer of the electronic money and the wallet which may be used for the sale and purchase of goods and services from all transportation providers, merchants, and agents lawfully offering GrabPay as a payment solution (either by way of static/dynamic QR code payment, settlement via the Application, or online settlement). Provided that no payments in violation of the provisions of these Terms of Use, including the Acceptable Use Policy (below) shall be permitted. 
  • Applicable Fees and Charges: There shall be no charges levied by the Company on usage of the GrabPay Wallet other than as agreed with you in writing.
  • User Transaction Statement: A full statement of User’s transactions may be downloaded from the following website: https://www.grab.com.ph/.
  • Fraudulent activity or stolen e-money: You agree to immediately notify the Company by reporting on fraudulent activity of theft of funds in the GrabPay Wallet of which you become aware by using the link at: https://help.grab.com/passenger/en-ph/115005277227-I-don’t-recognize-a-charge-or-transaction.  
  • The Company has the right to suspend, or later reverse, the processing of any transaction where it reasonably believes that the transaction may be fraudulent, illegal or involves any criminal activity or where the Company believes you to be in breach of the Terms of Use. 
  • The Company reserves the right to suspend the use of your account entirely, disable the cashless feature in the GrabPay Wallet or block any financial instruments e.g. credit or debit card where it reasonably believes that the account activity may be fraudulent, illegal, or involves any criminal activity or where the Company reasonably believes you to be in breach of the Terms of Use. 
  • Unless the context dictates otherwise, references in the Terms of Use to the GrabPay Wallet, shall include all such stored value facility e-wallets issued to Users by the Company to include the  GrabPay Basic Wallet or the GrabPay Standard Wallet, and the GrabPay Premium Wallet.
  • Basic Wallet Feature: GrabPay reserves the right to limit the use and features for basic wallet including, but not limited to, restriction to the use of person-to-person payment within the GrabPay app and other electronic wallets and banks.

2. Funding Methods for use of the Service

  • Payments by the GrabPay service may be made directly in the Grab application via the addition of a credit or debit card, or via such other method of making payment to merchants as is available in the Application, or by the use of the GrabPay Wallet.
  • Users may choose to add any credit or debit cards or such other methods of loading funds into the GrabPay Wallet as are made available in the Application (each together with those payments in the first bullet point a “Funding Source”) to either make payments directly via the wallet, or to purchase GrabPay Credits (as defined below). Provided that, GrabPay may charge separate fees, as may be applicable. 
  • You agree that we may verify and authorize the Funding Source details when you first register the Funding Source with us as well as when you use the Service.
  • In the case of debit or credit cards as Funding Sources, you agree that we may issue a reasonable authorization hold, which is not an actual charge against your card, in order to verify your payment method via your card. The hold may appear in your statement as “pending”. The authorization hold is issued as a preventive measure against any unauthorized or fraudulent usage of your card.
  • In the event your payment through the GrabPay Wallet using a debit or credit card as your Funding Source is processed overseas, you will be liable for any additional charges levied by your card issuer in relation thereto.
  • Your GrabPay Wallet will hold Philippines Peso currency only.
  • In the event your payment through the GrabPay Wallet is made to an overseas merchant offering goods or services in a currency other than Philippines Peso (either by way of QR Code payment or online settlement) payments will be made:
  • Where the overseas merchant is a GrabPay merchant capable of accepting such payments, by way of the application of a dynamic exchange rate for payments settled directly to the overseas GrabPay merchant; 
  • Where the overseas merchant is not a GrabPay merchant capable of accepting such payment, by way of payment by GrabPay Card in accordance with Section 20 of these Terms of Use (where such method is available).
  • When you make or receive payments transaction(s), you are liable to the Company for the full amount of the payment sent to you plus any fees if the payment is later invalidated for any reason including but not limited to claims, chargebacks, or if there is a reversal or corrective adjustments relating to the payment mandated by payment networks or financial institutions. You agree to allow the Company (or in the case where a Card and/or such other payment methods are used as the Funding Source to work with your Card issuer or such other authorized payment issuer) to determine the appropriate party to incur the burden of such claims, chargebacks, reversals or adjustments and where applicable to recover and reimburse any amounts due to the Company by debiting from any of your Funding Sources. For the avoidance of doubt, if there is an error in relation to a transfer or an entry is incorrect, or if a payment transaction cannot be fully settled by your chosen Funding Sources, we reserve the right to submit corrected entries to reflect any outstanding owed to the Company.
  • By linking and/or authorizing any Funding Source in your account, you represent and warrant that you are the lawful, authorized holder of such Funding Source, and you grant the Company a standing authorization to debit any such Funding Source to recover any shortfall, outstanding debt, or to perform corrective ledger entries as required to settle your transactions.
  • You shall be responsible to resolve any disputes with your debit or credit card company on your own.

Cryptocurrency Top-up Method 

  • This service is provided in partnership with Triple A and Philippines Digital Asset Exchange (PDAX). By using this service, you agree to abide by the terms and conditions set forth by these entities in addition to these terms.
  • All transactions made through this cash-in method are non-refundable. Once a transaction has been processed, it cannot be reversed or refunded. Please ensure that you wish to proceed before confirming any transactions.
  • You are responsible for ensuring that all information provided during the transaction process is correct and accurate. This includes, but is not limited to, your cryptocurrency wallet address, the amount of cryptocurrency to be transferred, and any other pertinent information. We are not responsible for any losses incurred due to incorrect information provided by the consumer.
  • Cryptocurrency transactions carry certain risks. By using this service, you acknowledge and accept these risks. We are not responsible for any losses incurred due to fluctuations in cryptocurrency value.
  • You agree to comply with all local and international laws regarding cryptocurrency transactions. Any illegal activities involving our services will be reported to the appropriate authorities.

3. GrabPay Credits

  • You may purchase credits for the GrabPay Wallet (“GrabPay Credits”) via a Funding Source.
  • Unless agreed by the Company in writing, the maximum amount of GrabPay Credits that a user of the Restricted GrabPay Wallet may load to the wallet in any given month shall be PHP10,000, to the Standard Consumer GrabPay Wallet shall be PHP100,000, and to the GrabPay Driver Wallet or GrabPay Merchant Wallet, PHP250,000.
  • If you purchase GrabPay Credits via any Funding Source, you are deemed to have agreed to the terms of service of the Company’s processing partners and your financial institution. You will bear all fees that may be charged by your debit or credit card issuer for the payment method you have selected.
  • The Company will reject your request to purchase GrabPay Credits or reject a payment transaction, or refund a payment or other transaction, where your proposed GrabPay Credits purchase would cause the aggregate applicable loading limit to the GrabPay Wallet, to exceed any value permitted under the prevailing laws and regulations and/or these Terms of Use.
  • GrabPay Credits is not a depository account and does not earn interest or other earnings. It is not covered by the Philippine Deposit Insurance Corporation (“PDIC”).
  • You may check your GrabPay Credits balance in the Application. The GrabPay Credits balance set out in the Application shall serve as a conclusive evidence of your GrabPay Credits balance.
  • As GrabPay Wallet purchases may involve credit card transactions through a financial institution, in the event of any error in such transaction which results in chargebacks from the financial institution, the Company reserves the right to clawback the amount (up to the disputed amount) from your GrabPay Credits or by any other way it deems fit in its sole discretion.
  • The Company has the right to forfeit your GrabPay Credits where it reasonably believes that your use of the Service may be fraudulent, illegal or involves any criminal activity or where the Company reasonably believes you to be in breach of the Terms of Use.

   GrabPay QR PH 

  • QR Code – A QR code (short for “Quick Response code”) is a two-dimensional image-based bar code capable of holding large amounts of information. The QR code enables the sending and receiving of money such as payment transactions. A recipient of the funds shows his /her QR code to the payer or sender who will scan the code to initiate the payment transaction. 
  • QR PH  is the Philippines’ QR Code and gives participating banks and non-bank electronic money issuers (“EMI”) a quick and easy way to pay, transfer, and receive funds from other banks and e-money accounts in the Philippines.
  • GPay QR PH can be used by customers of participating banks and EMIs through their Grab mobile application. 
  • For sending money: (1) Scan the recipient’s GPay QR PH code and if asked by the app, type the amount to be sent. (2) Check the details and approve the transaction. Once sent, a confirmation of a successful transaction will appear on the screen. Depending on your bank or EMI, an applicable transfer fee may be charged which is the same as your bank or EMI’s transfer fee for InstaPay.
  • If you are receiving money: (1) Open your preferred banking or EMI mobile app. Depending on your bank or EMI, you may be asked to enter the amount to be received or any other additional information needed. (2) Generate a QR Ph code via the Grab App. (3) Show or send the QR Ph code to be scanned by the person paying or sending you money. 
  • All transactions are final and irrevocable. You are liable to check and validate all information before proceeding and completing the transaction. 
  • Your GrabPay credits shall be used as a funding source for the payment using QR PH. 

4. Withdrawal and Transfer of GrabPay Credits

  • The GrabPay Credits for the GrabPay Wallet may be withdrawn to your designated bank account or such other cash out channels as are available in the Application.
  • You may transfer GrabPay Credits to, and receive GrabPay Credits from, other GrabPay Wallet users.
  • The GrabPay Credits may be withdrawn at participating Mastercard compatible ATMs in accordance with Section 20.

5. Establishing your Identity

  • The Company is required to comply with all applicable laws, regulations, notices and guidelines issued by the relevant government and regulatory authority, including regulations issued by the Bangko Sentral ng Pilipinas (BSP), the Philippine Anti-Money Laundering Act of 2001, as amended, and the Terrorism Financing Prevention and Suppression Act of 2012.
  • Pursuant to such applicable laws, regulations, notices and guidelines, Users of the GrabPay Wallet may be required to provide to the Company such data to allow the Company to establish and verify their identity (together with, in the case of corporate account, the identity of the beneficial owners, directors or individuals with executive authority, and individuals authorised to operate the account) both at the time of opening the GrabPay Wallet account, at periodic intervals after opening the account, and on ongoing basis.
  • You hereby acknowledge and agree that the Company may collect such data on request, and use, disclose, share and process such data provided for the purposes of establishing your identity and implementing an ongoing monitoring program to ensure the adherence of the Company and the user to the applicable laws, regulations, notices and guidelines, together with sharing such data internally with its affiliates and with third-party outsourcees (both in the Philippines and overseas), as well as in relation to transfers and reporting of such data and your transactions to BSP, and such other government or regulatory authority as the Company may deem appropriate or as may be required under any applicable laws, regulations, notices and guidelines. You hereby acknowledge and agree that the data collected shall be stored for as long as reasonably necessary to comply with the requirements of the BSP, and such other government or regulatory authority as the Company may deem appropriate or as may be required under any applicable laws, regulations, notices and guidelines.
  • You agree that you will cooperate in relation to any anti-money laundering and countering terrorism financing screening that is required and to assist the Company in complying with any applicable laws, regulations, notices and guidelines in place. If you have any difficulties in relation to your completion of the process to establish and verify your identity, please contact GrabPay at the telephone or email address contained in Section 16.

6. Representations and Warranties

  • By using the Service, you expressly represent and warrant that you are legally entitled to accept and agree to the Terms of Use. By using the Service, you further represent and warrant that you have the right, authority and capacity to use the Service and to abide by the Terms of Use. You further confirm that all the information which you provide shall be true and accurate.
  • You agree that you shall not open more than one GrabPay Wallet account.
  • Your use of the Service is for your own sole personal use. You undertake not to authorize others to use your identity or User status, and you may not assign or otherwise transfer your User account to any other person or entity. When using the Service, you agree to comply with all applicable laws whether in the Philippines or otherwise in the country, state and city in which you are present while using the Service.
  • You may only access the Service using authorized means. It is your responsibility to check and ensure that you have downloaded the correct Software for your device. The Company is not liable if you do not have a compatible device or if you have downloaded the wrong version of the Software to your device. The Company reserves the right not to permit you to use the Service should you use the Application and/or the Software with an incompatible or unauthorized device or for purposes other than which the Software and/or the Application is intended to be used.
  • By using the Software or the Application, you agree that:
    • You will only use the Service for lawful purposes;
    • You will only use the Service for the purpose for which it is intended to be used;
    • You will not use the Application for sending or storing any unlawful material or for fraudulent purposes;
    • You will not use the Application and/or the Software to cause nuisance, annoyance, or inconvenience;
    • You will not use the Service, the Application and/or the Software for purposes other than obtaining the Service;
    • You will not impair the proper operation of the network;
    • You will not try to harm the Service, the Application and/or the Software in any way whatsoever;
    • You will not copy, or distribute the Software or other content without written permission from the Company;
    • You will only use the Software and/or the Application for your own use and will not resell it to a third party;
    • You will keep secure and confidential your account password or any identification we provide you which allows access to the Service;
    • You will provide the Company with proof of identity as it may reasonably request or require;
    • You acknowledge and agree that only one (1) GrabPay Wallet account can be registered to a single individual, and that a mobile telephone number may only be associated with only one (1) GrabPay Wallet account;
    • You agree to provide accurate, current and complete information as required for the Service and undertake the responsibility to maintain and update your information in a timely manner to keep it accurate, current and complete at all times during the term of this Agreement. You agree that the Company may rely on your information as accurate, current and complete. You acknowledge that if your information is untrue, inaccurate, not current or incomplete in any respect, the Company has the right but not the obligation to terminate this Agreement and your use of the Service at any time with or without notice;
    • You will only use an access point or device which you are authorized to use to access the GrabPay Wallet;
    • You shall not employ any means to defraud the Company or enrich yourself, through any means, whether fraudulent or otherwise, through any event, promotion or campaign launched by the Company to encourage new subscription or usage of the Service by new or existing consumers;
    • You agree that the Service is provided on a reasonable effort basis; and
    • You agree to abide by the terms of the GrabPay Wallet Acceptable Use Policy (below) in relation to your use of the Service.

7. Acceptable Use Policy

  • You agree to assume full responsibility and liability for all loss or damage suffered by yourself, the Company or any third party as a result of any breach of the Terms of Use.
  • You agree not to use the Service in such a manner that you violate any law, statute, ordinance or regulation.
  • Save as permitted by the Company but subject always to applicable laws and regulations, you agree not to perform transactions using the GrabPay Wallet involving:
    • Adult media depicting or related to illegal activity such as child pornography, rape, incest, etc.
    • Any goods or services promoting hate, violence, harm or intolerance in any form.
    • Any goods or services subject to UN Security Council’s sanctions.
    • Branded, trademarked or copyrighted goods of any kind unless the seller is the intellectual property / copyright holder or licensee.
    • Circumvention services, devices or software used to circumvent the law or remove copyright protections.
    • Deceptive business practices such as Ponzi / pyramid schemes, multi-level marketing, guaranteed results, investment or trading courses and services.
    • Flammable, explosive, pyrotechnic, toxic and hazardous materials including but not limited to fireworks, explosives, radioactive materials and substances, gunpowder.
    • Foreign government entities including but not limited to embassies and consulates.
    • Fortune tellers, astrology, card reading, tarot, hypnosis and similar services.
    • Gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not legally defined as gambling) and sweepstakes. Provided that such gambling activity is registered with the appropriate government agency;
    • Government, law enforcement and military issued items including but not limited to uniforms, badges, decorations, unless historical and/or clearly not genuine or official (e.g. toys).
    • Human parts of any kind, including but not limited to organs, body parts, human remains, body fluids, stem cells, embryos.
    • Illegal drugs, tobacco or health products. Substances designed to mimic the effects thereof. Related accessories and products used to create or consume them such as bongs, hookahs and similar devices.
    • Items that encourage, promote, facilitate or instruct others to engage in illegal activity;
    • Items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of the Philippines or any jurisdiction;
    • Legal and tax consultancy, bankruptcy and any similar services.
    • Narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety;
    • No-value-added services of any kind, including but not limited to resale of government offerings without authorization or added value, services that are unfair, deceptive, or predatory towards consumers.
    • Offering or receiving payments for the purpose of bribery or corruption; or
    • Political, religious, spiritual, charitable and non-profit organizations of any kind.
    • Products of wildlife trafficking, illegal hunting and poaching of endangered species such as marine mammals, shark fins, rhino horns, ivory, deer musk, bear bile, tiger penis, and any similar products.
    • Property sharing, timeshares, house-swapping, sub-letting, bed & breakfast and similar businesses.
    • Sale of social media activity, click farms including but not limited to sale of Facebook likes, Twitter followers, YouTube views.
    • Sexually oriented materials or services.
    • Stolen goods including unlawfully acquired or copied digital and virtual goods.
    • The personal information of third parties in violation of Philippine law.
    • The sales of products or services identified by the Philippine government agencies to have a high likelihood of being fraudulent or to be being transacted by the User in violation of Philippine law.
    • Unlicensed travel agents.
    • Weapons of any kind including firearms, ammunition, knives, nunchakus and related products, parts or accessories thereof. Weapons or knives regulated under Philippine law. Toys, gift and replicas of any kind resembling closely any of such items.

8. Taxes

  • You agree that this Agreement shall be subject to all prevailing statutory taxes, duties, fees, charges and/or costs, however denominated, as may be in force and in connection with any future taxes that may be introduced at any point of time.
  • You further agree to use your best efforts to do everything necessary and required by the relevant laws to enable, assist and/or defend the Company to claim or verify any input tax credit, set off, rebate or refund in respect of any taxes paid or payable in connection with the Service supplied under this Agreement.
  • You agree that details of your GrabPay Wallet account and all transactions thereunder may be provided on request to any tax authorities either in the Philippines or overseas where the purpose of such request is the lawful payment of tax obligations and/or the identification of assets for taxation.

9. License Grant & Restrictions

  • The Company is a licensee of GrabTaxi Holdings Pte Ltd (Company No. 201316157E, having its registered address at 6 Shenton Way, #38-01 OUE Downtown, Singapore 068809) in relation to the Application.
  • The Company, its affiliates and its licensors including GrabTaxi Holdings Pte. Ltd., where applicable hereby grant you a revocable, non-exclusive, non-transferable, non-assignable, personal, limited license to use the Application and/or the Software, subject to the Terms of Use herein. All rights not expressly granted to you are reserved by the Company and its licensors.
  • You hereby agree that you shall not:
    • license, sublicense, sell, resell, transfer, assign, distribute or otherwise commercially exploit or make available to any third party the Application and/or the Software in any way;
    • modify or make derivative works based on the Application and/or the Software;
    • create internet “links” to the Application or “frame” or “mirror” the Software on any other server or wireless or internet-based device;
    • reverse engineer or access the Software in order to (a) build a competitive product or service, (b) build a product using similar ideas, features, functions or graphics of the Application and/or the Software, or (c) copy any ideas, features, functions or graphics of the Application and/or the Software;
    • launch an automated program or script, including, but not limited to, web spiders, web crawlers, web robots, web ants, web indexers, bots, viruses or worms, or any program which may make multiple server requests per second, or unduly burdens or hinders the operation and/or performance of the Application and/or the Software;
    • use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, “data mine”, or in any way reproduce or circumvent the navigational structure or presentation of the Service or its contents;
    • post, distribute or reproduce in any way any copyrighted material, trademarks, or other proprietary information without obtaining the prior consent of the owner of such proprietary rights; or
    • remove any copyright, trademark or other proprietary rights notices contained in the Service.
  • You may use the Software and/or the Application only for your personal, non-commercial purposes and shall not use the Software and/or the Application to:
    • send spam or otherwise duplicative or unsolicited messages;
    • send or store infringing, obscene, threatening, libelous, or otherwise unlawful or tortious material, including but not limited to materials harmful to children or violative of third party privacy rights;
    • send material containing software viruses, worms, trojan horses or other harmful computer code, files, scripts, agents or programs;
    • interfere with or disrupt the integrity or performance of the Software and/or the Application or the data contained therein;
    • attempt to gain unauthorized access to the Software and/or the Application or its related systems or networks;
    • impersonate any person or entity or otherwise misrepresent your affiliation with a person or entity; or
    • engage in any conduct that could possibly damage the Company’s reputation or amount to being disreputable.

10. Intellectual Property Ownership

  • The Company and its affiliates, where applicable, shall own all right, title and interest, including all related intellectual property rights, in and to the Software and/or the Application and by extension, the Service and any suggestions, ideas, enhancement requests, feedback, recommendations or other information provided by you or any other party relating to the Service.
  • These Terms of Use do not constitute a sale agreement and do not convey to you any rights of ownership in or related to the Service, the Software and/or the Application, or any intellectual property rights owned by the Company and/or its licensors.
  • The Company’s name, the Company’s logo, the Service, the Software and/or the Application and the third-party merchants or transportation providers’ logos and the product names associated with the Software and/or the Application are trademarks of the Company and/or its affiliates or third parties, and no right or license is granted to use them.
  • For the avoidance of doubt, the term the “Software” and the “Application” herein shall include its respective components, processes and design in its entirety.

11. Data Privacy & Personal Data Protection Policy

  • All Personal Data that you provide to Grab shall be collected, used, and disclosed and/or proceed in accordance with Grab’s Privacy Notice (https://www.grab.com/ph/terms-policies/privacy-notice/).
  • For the avoidance of doubt and without prejudice to the generality of the Privacy Notice, your Personal Data may be used for the purposes of fulfillment of our rights and your obligations under these Terms of Service: Payment and Rewards, which include (but are not limited to):
    • to provide you the Service pursuant to the Terms of Service: Payment and Rewards herein;
    • to develop, enhance and provide what is required pursuant to the Terms of Service: Payment and Rewards to meet your needs;
    • to conduct due diligence checks, anti money laundering / terrorism financing assessments, and risk analysis, credit assessment or evaluation with credit bureaus, alternative credit scoring agencies or other credit reporting organisations (“CROs”) and suitability assessments for the Service or for any other similar financial products that you may be eligible for or request from Grab and/or its subsidiaries, affiliates, associated companies and jointly controlled entities (collectively, “Grab Group”)  Group;
    • if applicable, carrying out credit checks and retrieving credit information from CROs to process your assessments for the Service or any other similar financial products that you may be eligible for or request from Grab Group and;
    • in accordance with any applicable laws and the Privacy Notice permitting the use, collection, disclosure and processing of Personal Data.
  • Personal Data” means information about you, from which you are identifiable, directly or indirectly, including but not limited to your name, identification card number, birth certificate number, passport number, nationality, address, telephone number, credit or debit card details, race, gender, date of birth, email address, any information about you which you have provided to Grab Group by any means and/or any information about you that has been or may be collected, stored, used and processed by Grab Group. 
  • In addition to the above, the Company may wish to communicate with you either by email, telephone or text message in relation to the following matters (the “Marketing Purposes”):
    • to process your participation in any events, promotions, activities, focus groups, research studies, contests, promotions, polls, surveys or any productions and to communicate with you regarding your attendance thereto;
    • to send you alerts, newsletters, updates, mailers, promotional materials, special privileges, festive greetings from the Company, its partners, advertisers and or sponsors;
    • to notify and invite you to events or activities organized by the Company, its partners, advertisers, and or sponsors; and/or
    • to share your Personal Data amongst the companies within the Company’s group of companies comprising the subsidiaries, associate companies and or jointly controlled entities of the holding company of the group (the “Group”) and with the Company’s and Group’s agents, third party providers, developers, advertisers, partners, event companies or sponsors who may communicate with you for any reasons whatsoever.
  • If you do not consent to the Company processing your Personal Data for any of the Marketing Purposes, please notify the Company at the following email address: https://help.grab.com/passenger/en-ph
  • If any of the Personal Data that you have provided to us changes, for example, if you change your e- mail address, telephone number, payment details or if you wish to cancel your account or withdraw your permission to receive communications for Marketing Purposes, please update your details by sending your request to the support contact details at the following email address: https://help.grab.com/passenger/en-ph
  • The Company will, to the best of its abilities, effect such changes as requested within fourteen (14) working days of receipt of such notice of change.
  • You agree and consent to allow the Company to transfer your Personal Data to its affiliates and outsourcees (whether in the Philippines or overseas) for the purpose of the use of such data in the operations of the GrabPay Wallet stored value facility that are provided to the Company by such affiliates or outsourcees.
  • The Company is committed to full compliance with the provisions of the Data Privacy Act of 2012 and has appointed a Personal Data Protection Officer for these purposes. Such officer may be communicated with in writing at the above email address

12. Third Party Interactions

  • During use of the Service, you may enter into correspondence with, purchase goods and/or services from, or participate in promotions of third party providers, advertisers or sponsors showing their goods and/or services through the Service, the Software and/or the Application.
  • Any such activity, and any terms, conditions, warranties or representations associated with such activity, is solely between you and the applicable third-party.
  • The Company and its affiliates and licensors shall have no liability, obligation or responsibility for any such correspondence, purchase, transaction or promotion between you and any such third-party.
  • The Company does not endorse any applications or sites on the Internet that are linked through the Service, the Application and/or the Software, and in no event, shall the Company, its licensors or the Group be responsible for any content, products, services or other materials on or available from such sites or third-party providers.
  • The Company provides the Service to you pursuant to the Terms of Use. You recognize, however, that certain third-party merchants or transportation providers, goods and/or services may require your agreement to additional or different terms of use prior to your use of or access to such goods or services, and the Company is not a party to and disclaims any and all responsibility and/or liability arising from such agreements between you and the third-party providers.

13. Indemnification

  • By agreeing to the Terms of Use upon using the Service, you agree that you shall defend, indemnify and hold the Company, its licensors and each such party’s parent organizations, subsidiaries, affiliates, officers, directors, members, employees, attorneys and agents harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys’ fees and costs and/or regulatory action) arising out of or in connection with:
    • your use of the Service, the Software and/or the Application in your dealings with the third-party merchants, transportation providers, third party providers, partners, advertisers and/or sponsors;
    • your violation or breach of any of the Terms of Use or any applicable law or regulation, whether or not referenced herein;
    • your violation of any rights of any third party;
    • your misuse of the Service, the Software and/or the Application.

14. Limitation of Liability

  • The Company makes no representation, warranty or guarantee as to the reliability, timeliness, quality, suitability, availability, accuracy or completeness of the Service, the Application and/or the Software.
  • The Company does not represent or warrant that:
    • The use of the Service, the Application and/or the Software will be secure, timely, uninterrupted or error-free or operate in combination with any other hardware, software, system or data;
    • The Service and/or Rewards will meet your requirements or expectations;
    • Any stored data will be accurate or reliable;
    • The quality of any products, services, information, rewards or another material purchased or obtained by you through the Application will meet your requirements or expectations;
    • Errors or defects in the Application and/or the Software will be corrected; or
    • The Application or the Server that make the application available are free of viruses or other harmful components.
  • While the Company does not represent or warrant that the use of the Service, the Application and/or the Software is secure, it shall provide and maintain organizational, physical, and security measures which are up-to-date and compliant with industry standards and the requirements of any applicable laws, regulations, guidelines or notices issued by any government or regulatory authority.
  • The Service and Rewards are provided to you strictly on an “as is” basis.
  • All conditions, representations and warranties, whether express, implied, statutory or other, including without limitation, any implied warranty of merchantability, fitness for a particular purpose, or non-infringement of third party rights, are here excluded and disclaimed to the highest and maximum extent allowed under Philippines law.
  • The Service, the Application and/or the Software may be subject to limitations, delays and other problems inherent in the use the internet and electronic communications including the device used by you or other GrabPay Wallet users being faulty, not connected, out of range of mobile signals or functioning incorrectly. The Company is not responsible for any delays, delivery failures, damages or losses resulting from such problems.
  • To the fullest extent permitted by law, the Company shall not be liable for any claim, loss, damage, data loss, costs or expenses incurred (whether direct or consequential), suffered or sustained by you arising from or in connection with you use of the Service, the Application and/or the Software.

15. Termination

  • Either the Company or you may terminate this Agreement on one month’s notice in writing to the other.
  • You hereby agree that this Agreement shall terminate immediately in the event that you are:
    • declared bankrupt, insolvent or enter into liquidation or such other scheme of arrangement or administration; or
    • found in default of your debt obligations to a licensed bank by a Philippine court;
  • In the event of any of the above, the Company reserves the right to deal with any such trustee, executive or representative of the Philippine courts as in its sole discretion is considers appropriate in relation to the administration of any outstanding balance of Credits in the GrabPay Wallet.
  • You hereby agree that the Company is entitled to terminate this Agreement immediately in the event that you are found to be in breach of any of the terms stipulated in this Agreement.
  • Any outstanding amounts in the GrabPay Wallet will be paid to you by the Company.

16. Complaints about use of the Service

  • Users are invited to contact the Company in the first instance in the event they wish to make a complaint about the use of the Service via the Grab app or the link at: https://help.grab.com/en-ph. 
  • You agree to raise any complaints and disputes about incorrect Service within one month of the transaction for payment of goods and services or within seven days of the person to person transfer of GrabPay Credits, or of you becoming aware of the fraudulent usage of the GrabPay Wallet, whichever is earlier.
  • Users are also notified of their right to raise issues with Bangko Sentral ng Pilipinas via the following contact points: Direct Line: (632)708-7087 Facsimile: (632) 708-7088 E-mail Address: consumeraffairs@bsp.gov.ph

17. Notices

  • The Company may give notice by means of a general notice on the Application, or by electronic mail to your email address in the records of the Company, or by written communication sent by registered mail or pre-paid post to your address in the record of the Company. Such notice shall be deemed to have been given upon the expiration of 48 hours after mailing or posting (if sent by registered mail or pre-paid post) or 1 hour after sending (if sent by email).
  • You may give notice to the Company (such notice shall be deemed given when received by the Company) by letter sent by courier or registered mail to the Company using the contact details as provided in the Application.

18. Assignment

  • This Agreement as constituted by the Terms of Use as modified from time to time may not be assigned by you without the prior written approval of the Company but may be assigned without your consent by the Company.
  • Any purported assignment by you in violation of this section shall be void.

19. General

  • This Agreement shall be governed by Philippine law, without regard to the choice or conflicts of law provisions of any jurisdiction, and any disputes, actions, claims or causes of action arising out of or in connection with the Terms of Use or the Service shall be referred to the Philippines Dispute Resolution Center Inc. (“PDRC”), in accordance with the Rules of the PDRC as in force at the time of the commencement of the arbitration (the “Rules”) by a sole arbitrator appointed by the mutual agreement of the parties (the “Arbitrator”). If parties are unable to agree on an arbitrator, the Arbitrator shall be appointed by the President of the PDRC in accordance with the Rules.
  • The seat and venue of the arbitration shall be Manila, in the English language and the fees of the Arbitrator shall be borne equally by the parties, provided that the Arbitrator may require that such fees be borne in such other manner as the Arbitrator determines is required in order for this arbitration clause to be enforceable under applicable law.
  • No joint venture, partnership, employment, or agency relationship exists between you, the Company or any third-party provider as a result of the Terms of Use or use of the Service.
  • If any provision of the Terms of Use is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law. This shall, without limitation, also apply to the applicable law and jurisdiction as stipulated above.
  • The failure of the Company to enforce any right or provision in the Terms of Use shall not constitute a waiver of such right or provision unless acknowledged and agreed to by the Company in writing.
  • The Terms of Use comprises the entire agreement between you and the Company and supersedes all prior or contemporaneous negotiations or discussions, whether written or oral (if any) between the parties regarding the subject matter contained herein.

20. [Reserved]

 

21. GrabRewards Loyalty Programme

  • By using the Application, you will automatically be a member of the loyalty programme operated by the Company and/or its Affiliates (“Grab Loyalty Programme”).
  • Upon a successful registration for a Grab account, all Grab Users may commence accumulating points, coins, tokens or other equivalent loyalty measurements, however designated or renamed from time to time, all of which are collectively referred to in these Terms as “loyalty units” from qualifying transactions. The Grab loyalty programme membership and all loyalty units are non-transferable and shall be for personal use of the Grab User only.
  • As a member of the Grab Loyalty Programme, you will gain access to the e-vouchers, promotions, discounts, free gifts, promotion codes and other benefits offered by the Company, its Affiliates and/or third-party merchants as shown on the rewards catalogue that is made available from time to time in the Application (“Rewards”). The Company and/or its Affiliates may award you loyalty units which can be used to redeem for Rewards upon the completion of the qualifying transactions. You may earn loyalty units by such methods as are provided for by the Company  and/or its Affiliates from time to time.
  • The loyalty units accumulated by the Member shall expire in the event the Member does use it within the six (6) month timeframe from the date of which the loyalty units are credited to the Member’s account. Members acknowledge that in such an event, such loyalty units shall be automatically forfeited without notice to the Member. 
  • You must use your loyalty units earned to redeem for Rewards during their applicable validity period. There shall be no extension of time for the validity period of any unused loyalty units. The Company and/or its Affiliates shall have the right to deal with the expired loyalty units in such manner as it deems fit in its discretion. You agree that you will have no claim whatsoever against the Company and/or its Affiliates for any expired loyalty units.
  • Partnership Programmes: The Company and/or its Affiliates may periodically offer conversion of loyalty points to the points systems of partner rewards programmes, subject to the following:
  • Upon completion of the conversion transaction under such conversion, reversal is not possible.
  • The Company and/its Affiliates accept no responsibility for errors in the crediting of points subject to such conversions, other than in relation to errors resulting from its own negligence.
  • The conversion under partner rewards programme is subject to the partner’s terms and conditions. Once converted into partner programme points, the converted points are also subject to the partner’s terms and conditions
  • For the avoidance of doubt, the loyalty units under our Grab loyalty programme do not constitute currency, assets, property or any form of stored value, or monetary value and are not redeemable for cash in any form. They cannot be purchased, resold or transferred, for value or otherwise, under any circumstances. The loyalty units shall not be regarded, construed, or used as valuable or exchangeable instruments under any circumstances.
  • If you comply with all these Terms of Use and have the required number of loyalty units, you may select and redeem applicable Rewards via the Application  or choose to convert loyalty units to offset the Grab User’s total amount payable at checkout. Your redemption of a Reward that is an e-voucher is subject to the additional terms and conditions of the Company, its Affiliates or the third-party merchant (as the case may be) that offers the particular e-voucher that you wish to redeem.
  • You must use your e-vouchers redeemed during their applicable validity period. There shall be no extension of time for the validity period of any e-voucher redemption dates. You agree that you will have no claim whatsoever against the Company  and its Affiliate for any expired e-vouchers.
  • Rewards are not redeemable for cash nor are they exchangeable for other Rewards under any circumstances. They cannot be resold, exchanged or transferred for value under any circumstances. Rewards shall not be regarded, construed, or used as valuable or exchangeable instruments under any circumstances.
  • The loyalty units that you have successfully redeemed for a Reward cannot be exchangeable for another Reward under any circumstances. No requests for exchange of Rewards will be entertained.
  • The Company and its Affiliate may at its discretion and without prior notice to you, reject your request to redeem loyalty units for any reason whatsoever, including without limitation, where
    • There are insufficient loyalty units to redeem for the particular Reward;
    • The Reward is no longer made available or out-of-stock by the third party merchant
    • The loyalty units you wish to use for redemption of Rewards have been issued to you in error; or
    • The Company and/or its Affiliate reasonably believes that that redemption transaction may be suspicious, illegal, involves any criminal activity or involves loyalty units that have been obtained through dishonest or fraudulent means or abusive behaviour
  • You may check your loyalty units balance and redemptions made in the Application. Your loyalty units balance and redemptions as set out in the Application shall serve as a conclusive evidence of the same.
  • The Company and/or its Affiliates reserves the right to hold the issuance of loyalty units earned until the transactions, including payment, are completed. Loyalty units earned from purchases from Partners will only be issued if the good(s) and services(s) purchased are not returned, cancelled or refunded.
  • Fraud, abuse of redemptions or any dishonest activities related to the loyalty units may result in the forfeiture of accumulated loyalty units as well as demotion of your membership tier, cancellation of your membership in the Grab Loyalty Programme, or termination of your account.
  • To the extent as permitted by applicable laws, the Company and/or its Affiliates reserves the right at any time to:
  • vary, modify or amend the terms and conditions of the Grab Loyalty Programme (including adding or deleting any terms);
  • terminate or modify the Grab Loyalty Programme;
  • revoke, adjust and/or recalculate any loyalty units awarded;
  • change the number of loyalty units required for redemption of specific Rewards or substitute any Reward with another of a similar value;
  • change the number of loyalty units that can be earned on spendings on qualifying transportation services;
  • modify the qualifications and eligibility for earning loyalty units;
  • modify the activities that earn loyalty units;
  • modify the methods used to calculate the number of loyalty units to be awarded;
  • withhold or cease the awarding of loyalty units to you;
  • modify the qualifying loyalty units or other criteria for membership tier upgrades and renewals; and
  • change or withdraw any benefits related to a particular membership tier; and/or
  • change the duration taken for loyalty units to expire without prior notice to you and at its sole discretion.
  • The Company may suspend the calculation and accrual of loyalty units to rectify any errors in calculation or adjust the calculation as it reasonably deems fit without giving you prior notice or reason.
  • You shall be responsible for any taxes, levies or duties that arise in connection with the issuance of loyalty units to you, your redemption of loyalty units and/or the utilization of Rewards you have redeemed and all costs and expenses relating to the same shall be borne by you.

22. Foreign Payment Method Fee 

  • When utilizing foreign credit or debit cards for transactions, a foreign payment fee will be applied to cover the additional costs associated with processing international payments. The foreign payment fee will be a percentage of the transaction amount and will be clearly communicated during the payment process.
  • Transactions involving foreign cards may be subject to currency conversion. The conversion rate applied will be determined by Company or its payment processing partners and may include a margin for currency exchange services.
  • The foreign payment fee and any other applicable fees will be clearly disclosed to you before completing the transaction. You have the option to proceed with the transaction or cancel it if you do not agree with the disclosed fees.
  • The Company reserves the right to modify the foreign payment fee and other fees associated with the Services at any time. Changes will be communicated through the Company’s website or other appropriate channels, and the modified fees will apply to transactions initiated after the effective date of the change.