{"id":55715,"date":"2022-10-28T15:37:40","date_gmt":"2022-10-28T07:37:40","guid":{"rendered":"https:\/\/www.grab.com\/th\/?post_type=policy&p=55715"},"modified":"2023-05-09T19:33:13","modified_gmt":"2023-05-09T11:33:13","slug":"paylater","status":"publish","type":"policy","link":"https:\/\/www.grab.com\/th\/en\/terms-policies\/paylater\/","title":{"rendered":"TERMS OF SERVICE: PAYLATER BY GRAB"},"content":{"rendered":"
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Dated: 31 October 2022<\/span><\/p>

Important<\/b> \u2013 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 Service. You further agree to the representations made by yourself below. If you do not agree to, or do not fall within the Terms of Service, and wish to discontinue using the Service, please do not continue using the Application (as defined below) or the Service.\u00a0<\/span><\/p>

The terms of service stated herein (the “<\/span>Terms of Service<\/b>“) constitute a legal agreement between you and <\/span>GTECH (T) CO., LTD. <\/b>(the “<\/span>Company<\/b>“), which is an affiliate of Grabtaxi (Thailand) Co., Ltd. (\u201c<\/span>Grab<\/b>\u201d) operating Grab Application within Thailand.\u00a0<\/span><\/p>

By using the Grab mobile application supplied to you by the Company and\/or its affiliates (the “<\/span>Application<\/b>“), and downloading, installing, or using any associated software supplied by the Company and\/or its affiliates (the “<\/span>Software<\/b>“) which overall purpose is to enable persons seeking to establish an account with the Company and use the PayLater by Grab, the credit limit offered by the Company for you to defer the payment for goods or services offered by Grab or our partner merchant (the \u201c<\/span>PayLater by Grab<\/b>\u201d, \u201c<\/span>PayLater<\/b>\u201d and generally, the \u201c<\/span>Service<\/b>\u201d), you hereby expressly acknowledge and agree to be bound by the Terms of Service, and any future amendments and additions to the Terms of Service as published from time to time at <\/span>http:\/\/www.grab.com <\/b>or through the Application. You hereby expressly acknowledge and agree to be bound by the Terms of Service, and any future amendments and additions to the Terms of Service as published from time to time at <\/span>http:\/\/www.grab.com <\/b>or through the Application.\u00a0<\/span><\/p>

1.\u00a0 \u00a0 General Terms<\/b><\/h4>

1.1\u00a0 \u00a0 \u00a0You have completely read and understood the details of the Terms of Service and agree to use PayLater by Grab by means of electronic methods via mobile, internet network or any other electronic system prescribed by the Company.<\/span><\/p>

1.2\u00a0 \u00a0 \u00a0Unless otherwise specified in these Terms of Service, any new features of PayLater by Grab (launched after the date of these Terms of Service) shall be considered an integral part of these Terms of Service.<\/span><\/p>

1.3\u00a0 \u00a0 \u00a0The Company, at any time, reserves the rights to permanently and\/or temporarily modify or terminate its Service (either in whole or in part) and notify users through any channels which the Company deems fit.\u00a0<\/span><\/p>

2.\u00a0 \u00a0 \u00a0Registration of PayLater by Grab<\/b><\/h4>

2.1\u00a0 \u00a0 \u00a0To apply for an account of PayLater by Grab as a new user (i.e. no previous PayLater account has been held with the Company), you shall download the Grab Application and register and maintain a GrabPay Wallet account in accordance with the Terms of Service of Payment. You shall consent to share relevant data from GrabPay Wallet (including but not limited to your verified full name, date of birth, and national ID no.) to the Company for the purpose of registering and opening your PayLater by Grab account and other relevant purposes for using this Service.\u00a0<\/span><\/p>

2.2\u00a0 \u00a0 \u00a0You agree and consent that your available credit\/debit cards linked to your Grab account shall be used for the auto-deduction and\/or repayment of the PayLater bill. You shall select your linked credit\/debit card as your primary payment card. If the auto-deduction from your primary card fails, Company will auto-deduct from your other linked cards. Please note that you may change your primary linked credit\/debit card or add new credit\/debit card or payment method afterwards.\u00a0<\/span><\/p>

2.3\u00a0 \u00a0 \u00a0You hereby acknowledge that only one mobile number and one national identification number may be used per one PayLater by Grab registration.<\/span><\/p>

2.4\u00a0 \u00a0 \u00a0The Company shall verify and identify your personal data and shall assess your suitability and eligibility for the purpose of granting the credit limit. Upon acceptance by the Company, you will receive PayLater by Grab agreement, a revolving loan agreement, between the Company as a lender and you as the borrower (\u201c<\/span>PayLater by Grab Agreement<\/b>\u201d). You agree to be bound by the terms and conditions of the PayLater by Grab Agreement, including any requirements or notification related thereto and agree to read and follow these Terms of Service together with the PayLater by Grab Agreement.<\/span><\/p>

2.5\u00a0 \u00a0 \u00a0Credit limit as prescribed in the PayLater by Grab Agreement as amended from time to time (\u201c<\/span>Credit Limit<\/b>\u201d) is the maximum amount of credit facilities as determined by the Company to be utilized by the user as a borrower for the purpose and in terms and conditions as prescribed by the Company in the PayLater by Grab Agreement, the Application and\/or notified by the Company as it deems appropriate.<\/span><\/p>

2.6\u00a0 \u00a0 \u00a0You hereby acknowledge and agree that the Company has its sole discretion to reject or accept your application for the Service and\/or determine or adjust the Credit Limit given to you.<\/span><\/p>

3.\u00a0 \u00a0 \u00a0<\/span>Use of PayLater by Grab<\/b><\/h4>

3.1\u00a0 \u00a0 \u00a0PayLater by Grab can only be used with Grab\u2019s services and our partners within Thailand.<\/span><\/p>

3.2\u00a0 \u00a0 \u00a0For each PayLater transaction, you agree to repay the outstanding amount on the agreed repayment schedule with the interest or fee (if any) per the repayment plan selected by you, in the manner as prescribed by the Company.\u00a0<\/span><\/p>

3.3\u00a0 \u00a0 \u00a0If you wish to refund any goods or services purchased using PayLater by Grab, such refund is subject to the refund process and\/or terms prescribed by the relevant third-party merchant, which such merchant shall submit a refund request to the Company. Upon the refund approval, the Company, at its sole discretion, may refund the refunded amount to your linked credit\/debit card or apply such refunded amount to reduce any outstanding amount under PayLater between you and the Company, which if the refunded amount is greater than the outstanding amount, we shall refund such difference to you. Please note that the processing time to receive your refund will be varied based on your bank\u2019s process or payment method.<\/span><\/p>

3.4\u00a0 \u00a0 \u00a0The Company reserves its right to immediately suspend or terminate your use of PayLater if you miss any repayment schedule, breach any terms of these Terms of Services and\/or PayLater by Grab Agreement or the Company has reasonably suspect that you breach any terms of these Terms of Services and\/or PayLater by Grab Agreement. Your eligibility to use PayLater by Grab is subject solely to the assessment and determination by the Company.\u00a0\u00a0\u00a0\u00a0<\/span><\/p>

3.5\u00a0 \u00a0 \u00a0If you have further questions regarding the use of PayLayter by Grab, you may further refer to the Help Centre (<\/span>https:\/\/help.grab.com\/passenger\/en-th\/<\/span><\/a>) as may be updated from time to time by the Company.<\/span><\/p>

4.\u00a0 \u00a0 \u00a0<\/span>Electronic Transaction<\/b><\/p>

4.1\u00a0 \u00a0 \u00a0You hereby agree and acknowledge that these Terms of Service and any correspondence relating to PayLater between you and the Company are considered electronic transactions in accordance with applicable laws and regulations.<\/span><\/p>

4.2\u00a0 \u00a0 \u00a0In the process of applying for PayLater account or making any transaction relating to PayLater, the Company may require you to confirm your PIN (Personal Identification Number), OTP (One Time Password) or click accept via your account (as applicable) for confirming that you are a person executing an electronic transaction or providing an electronic signature for such electronic transaction. Such PIN, OTP and\/or action shall be deemed as your e-signature in accordance with applicable laws and regulations and can be used as evidence in court proceedings.\u00a0<\/span><\/p>

4.3\u00a0 \u00a0 \u00a0Once you have completely executed any transaction in accordance with this clause, you acknowledge and agree that such transaction cannot be terminated, revoked, amended or modified. You agree to be bound by such transaction in all respects.\u00a0<\/span><\/p>

4.4\u00a0 \u00a0 \u00a0If there are any transactions executed via your PayLater account with the use of your account, PIN or OTP (either by yourself or any person allowed by you to use ), intentionally or negligently, it shall be deemed that such transaction is completed and binding upon you as if it was done by yourself in all respects.\u00a0<\/span><\/p>

4.5\u00a0 \u00a0 \u00a0If there is any damage incurred by the use of your account, PIN or OTP in accordance with the conditions of this clause, you agree to be liable for such damage in all respects. The Company shall not be liable for damage incurred by execution of any transaction in accordance with this clause. You hereby waive all rights to claim against the Company for any damages.\u00a0<\/span><\/p>

5.\u00a0 \u00a0 \u00a0<\/span>Representations and Warranties\u00a0<\/b><\/p>

5.1\u00a0 \u00a0 \u00a0By using the Service, you hereby represent and warrant that\u00a0<\/span><\/p>