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Terms and Conditions

JOY Loyalty Program – Terms and Conditions

In these Terms and Conditions, unless the context otherwise requires, the following words and expressions shall have the following meanings:

a) “Account” means Member’s account containing details including Membership ID, Member’s Personal Information, record of accumulated Points and Points balance;

b) ‘Electronic Equipment’ means the equipment provided by Joy or its assigned electronic equipment provider to the Merchant in respect of Program such as tablet or Electronic Data Capture Terminal;

c) “Member” or “Members” means individual(s) who has/have personally signed up, applied for and has/have been accepted by Joy as participating member(s) of the Program in accordance to the Terms and Conditions set forth herein;

d) “Membership Identification” means identification of membership (including Password, Member’s ID and PIN) under the Program in accordance to these Terms and Conditions;

e) “Merchant” or “Merchants” means the participating merchant(s) of the Program;

f) “Mobile Application” means the mobile application(s) owned and operated by Joy in relation to Program;

g) “Point” or “Points” means the Points awarded to Members for redemption of purchases made at participating Merchants’ outlets (online or offline) under the Program;

h) “Program” or “Joy” means Joy Loyalty Program operated by PNMB Payfo Sdn Bhd (Company No. 1285033-P), a company incorporated in Malaysia under the Companies Act 1965;

i) “Rewards” means the products, services, rewards, gifts or other benefits made available by Merchants under the Program which may be redeemed by Members;

j) “Website” means the website owned and operated by Joy in relation to the Program and located at  or any other addresses which Joy deems fit from time to time.

1) Membership
1.1) Membership is open to residents of Malaysia and expatriates residing in Malaysia only.

1.2) Membership is open to individuals who are 18 years of age and above.

1.3) An eligible individual may sign up and register for the Program with Joy through the Website or by any other methods that Joy may decide to implement and establish from time to time and may then earn Points on various purchases at participating Merchants’ outlets (online or offline) upon and subject to these Terms and Conditions;

1.4) By signing and submitting the application of membership, the applicants accept and agree to these Terms and Conditions.

1.5) Membership and Members’ entitlement to membership benefits and privileges of the Program, including the redemption of Points and Rewards, shall be in accordance with these Terms and Conditions.

1.6) Approval and grant of membership shall be at the sole and absolute discretion of Joy.

1.7) Each eligible individual shall only apply for and hold one (1) valid Digital Membership Card only as a Member at any one time.

1.8) Joy reserves the right to reject additional or multiple applications if Joy determines in its sole and absolute discretion that the applications are made by the same person.

1.9) In valuing the customers, the membership is FREE from any registration, joining, or membership charges. Notwithstanding this, Joy reserves the right to apply any charges and member fees at any time as it deems fit.

2. Joy Digital Membership Card
2.1) The use of Joy Digital Membership Card by Members shall be in accordance with these Terms and Conditions and instruction of Joy, as notified from time to time.

2.2) Joy Digital Membership Card, the Points and all the benefits and privileges of membership are non-transferable and non-assignable to third parties and exclusively reserved for the Members.

2.3) Joy Digital Membership Card shall not be pledged by any Member as security for any purpose whatsoever.

3. Awarding and Redemption of Points and Rewards
3.1) Awarding of Points:
Member will be awarded 1 point for every RM1.00 of the “Total Invoice Value” (if any value after decimal, to be rounded down to the nearest RM1.00) from purchase of goods/services at a Merchant’s outlet (online or offline), unless otherwise stated.

3.2) Redemption of Points:
Members can use the redeemable Points on 1 point = RM0.02 basis to redeem against purchases made at Merchant’s outlets (online or offline), unless otherwise stated.

3.3) A Member’s Account must be in good standing upon the time of redemption or awarding.

3.4) A Member may redeem the Points earned at all Merchants’ outlets (online or offline)  or at any other places or method specified by Joy from time to time. Member may refer to the current list of Merchants which is available on the Website or Mobile Applications or any other sources as determined by Joy.

3.5) When a Member redeems his/her Points, the Points shall be utilised on first in first out basis.

3.6) A Member may redeem his/her Points in full or partially to settle the Total Invoice Value, subject to the compliance with the procedures for redemption.

3.7) For a partial redemption, the remaining unpaid Total Invoice Value is payable by the Member to the Merchant in the normal course of business (either by cash or credit card, as required by the Merchant) and the Member will earn Points on the Total Invoice Value.

3.8) Joy reserves the right to suspend a transaction and/or reallocate, recalculate, reverse or adjust the Points or take any necessary action, with or without any notice in the event that Joy has a reasonable ground to suspect that the Points were awarded, earned or redeemed fraudulently or in error.

3.9) Points are not exchangeable for cash and cannot be converted to cash.

3.10) The member will be entitled for Point awards and a Merchant may perform an offline Point awarding transaction under certain circumstances as verified and confirmed by Joy.

3.11) A Member may check the history and record of Points’ accumulation, current Points balance, any other relevant information available under the Account at the Members’ own risk through Website, or any other methods as Joy may decide to establish from time to time.

3.12) A Member shall frequently review his/her Account to check and verify the correctness and accuracy of current Points balance.

3.13) There shall be no awarding of retrospective Points for backdated receipts. Points are only awarded for receipts/purchases made on the day of purchase.

3.14) Points will be awarded or redeemed at the rate as agreed between Joy and the Merchant when a Member purchases goods or services at the Merchant’s outlets (online or offline) which may vary among the Merchants.

3.15) The Points shall automatically expire and become invalid upon expiry of 24 months from the date of transaction. Members are encouraged to redeem their accumulated points before the expiry date.

3.16) Any accepted redemption shall not be cancelled and the redeemed Rewards are not exchangeable for cash and non-returnable, unless otherwise stated. Any dispute concerning goods and services received as Reward shall be settled between the Member and the Merchant, service establishment and/or supplier, from which the goods or services were purchased. Joy will bear no responsibility for resolving such disputes, or for the dispute itself.

3.17) Upon confirmation of redemption, the available Points for redemption will be recalculated for the Member’s account.

3.18) The Program and all Rewards are subject to availability and further subject to all applicable rules and terms and conditions (including booking requirements, cancellation restrictions, return conditions, warranties and limitations of liability) imposed by the respective Merchant and Joy.

3.19) Joy shall neither be liable nor held to be liable for any claims, loss, costs, expenses or damages or whatever nature resulting from the redemption of any of the Point or Rewards by the Members.

3.20) Joy shall make no representation or warranty (either express or implied) of any kind with regards to the condition, fitness for purposes, merchantable quality or otherwise of any products or goods or services or any Rewards supplied by Merchants or third party.

3.21) Joy shall not be responsible for any failure or delay by a merchant or third party to supply such Reward.

3.22) Points can be redeemed once they are credited into the Membership account of the Member. Redeemable Points will be recorded in the Member’s account after three (3) calendar days (depending on merchant’s infrastructure) from the time of the purchase.

3.23) Joy shall be disclaimed for any delay in the posting of the transactions, the accrual and/or accumulation of the Points.

3.24) All awarding or redemptions of Points are subject to Merchant’s final acceptance.

3.25) In the event of any refund or purchase/order cancellation in relation to any purchase of goods or services, the Merchant may deduct the whole or part of the Points in the Account for such refund or cancellation at its deems fit subject to the Merchant’s policy.

4. Cancellation, or Termination of Membership
4.1) A member may cancel or terminate the Membership.

4.2) Members shall opt to clear the remaining points as all Points balance recorded in the Account and redeemable Rewards will be automatically forfeited upon cancellation or termination of the Membership.

5. Dispute
5.1) If there is any dispute on a Points transaction, a member must email it to PNMB Payfo together with supporting documents within seven (7) days from the date of transaction or dispute. Any submission after the seven (7) days will not be accepted.

5.2) Joy may at its sole and absolute discretion to settle the disputes as it deems fit. The decision by Joy shall be final and conclusive. Joy shall not be liable or responsible for any breach of any duty of care owed to such Member by any of PNMB Payfo’s employees, staff or authorized personnel or any indirect, consequential or economic losses, loss of profits, loss of opportunity or punitive damages of any kind.

6. General
6.1) These Terms and Conditions govern the membership (including awards, redemption and use of Points and Rewards by Members) and set out the agreement between Joy and each Member with regards to the Program.

6.2) All Members agree that the Privacy Notice as stated on the Website shall form part of these Terms and Conditions. Acceptance of these Terms and Conditions by Members shall constitute the acceptance of the Privacy Notice. Joy reserves the right to amend or supplement the Privacy Notice from time to time. Any amendments to the Privacy Notice will be posted on the Website.

6.3) All Members and applicants are advised to read the Privacy Notice before accepting these Terms and Conditions.

6.4) The accuracy of personal information shall be verified by Members and Members shall notify Joy upon any changes on their personal information.

6.5) Member information such as Name, IC/Passport and Email must be updated in your Joy Account to be eligible to participate in Joy Campaigns and for verification in cases of any dispute.

6.6) Joy and the Merchants reserve the right to request the Member to produce his/her Member Identification and personal identification (including MyKad or Passport) to facilitate the Points transaction and for verification purposes in accordance to the Privacy Notice.

6.7) Joy reserves the rights at its sole and absolute discretion to amend or delete any of these Terms and Conditions at any time as it deems fits without prior notification to Members. Any variations, addition or amendment to these Terms and Conditions will be posted via the Website not later than seven (7) days prior to the effective date of such amendments. Continuing use of Joy Digital Membership Card and engage with the membership by Members shall constitute acceptance of any variation, addition, or amendments to these Terms and Conditions and Member shall be bound by the same.

6.8) Members have the obligations to check the Website for updates of Terms and Conditions from time to time.

6.9) PNMB Payfo reserves the right, at any time to vary, modify, replace, substitute or terminate Program or any Rewards, benefits, features or privileges under the Program or withdraw Points from use without prior notification to Members and without being liable in any way to Members.

6.10) Joy may at its sole and absolute discretion to terminate the memberships without prior notification and forfeit all the Points balance recorded in the Account and redeemable Rewards and reject any refund in the events of including but not limited to :-
i) A member accrues, redeems, or uses Joy Digital Membership Card, Membership (including any benefits and privileges) or the Points for any unlawful or fraudulent activity or in other manners which Joy determines to be improper;
ii) A member breaches any of these terms and conditions; or
iii) A member is deceased or is declared a bankrupt.

6.11) PNMB Payfo, related companies, Merchant and its service providers, or agents shall not be liable for any cost, expense, loss or damages, whether direct or indirect, special or consequential or loss of business, revenue or profits, injury or damage to property or any nature suffered by Members or any authorised person by Members arising from :-
i) any omission, error or inaccuracy of record, awarding or redemption of points or Points balance including as a result of failure or breakdown of any Electronic Equipment used in connection with the Program;
ii) any technical malfunction, operator fault, error, deficiency, defects of the Joy Digital Membership Card or any part thereof;
iii) any act, error, delay or default in carrying the parking services and the Program;
iv) withdrawal of any benefits or privileges conferred on Members under the Program;
v) any suspension, deactivation, termination or cancellation of account or membership;
vi) any circumstances beyond the reasonable control of Joy.

Joy or Merchant may refuse a request for awarding or redemption of Points on any transaction in the events as set out in (i), (ii) or (vii) above.

6.12) Members are responsible for the security of their Membership Identification. Joy accepts no liability for the disclosure of the Membership Identification by the Member to a third party, whether intentionally or otherwise. Joy reserves the right to protect an account from being access if Joy has reasonable grounds to believe that the security of the particular account has been breached or at the risk of exposure.

6.13) While Joy uses reasonable efforts to include up-to-date information in the Website and in all its publications, Joy makes no warranties or representations as to their accuracy, reliability, completeness or otherwise. The contents, materials, products or other services available in Joy publications or accessible through the Website are on “as is” and “as available” basis. Joy disclaims all warranties (express or implied) including but not limited to, merchantability, fitness for purpose and non-infringement, in relation to the contents, materials, products or other services published in any of its publications or available on the Website.

6.14) Joy does not warrant that the Website will be error-free, free of viruses, bugs, online interruption or other harmful threats. Members are responsible to implement security measures in their computers or mobile devices before accessing the Website. Joy shall not be liable in any way for any direct, indirect, punitive, incidental, consequential or other damage howsoever arising out of any of the following;
a) the use of, or access to, the Website;
b) delay or inability to use or access the Website; and/or
c) any content, information, material, products or services published in, posted on, advertised in or obtained through Joy publications or the Website or otherwise.

6.15) Notice of any matter in relation to the Program shall be deemed informed/delivered to Members via any one of the methods as follows:
a) by posting on the Website;
b) by sending an email to Members who have provided email address to PNMB Payfo;
c) by publication in a newspaper;
d) by short messaging services (SMS); or
e) by Mobile Applications.

6.16) Joy may further establish rules, procedures and policies in relation to any matter regarding the Program, all of which shall form part of the Terms and Conditions. These Terms and Conditions as set out herein shall prevail in the event of any conflict or inconsistency with any other documents, statements, rules, procedures, policies or communications issued by Joy, including Frequently Asked Questions (FAQs) and advertising or promotional materials. These Terms and Conditions together with the aforesaid further rules, procedures and policies shall constitute the entire agreement and understanding between Joy and the Members with respect to the Program and shall not be subject to any other agreement, understanding, warranty or representation not expressly contained or referred to in these Terms and Conditions and the aforesaid further rules, procedures and policies.

6.17) If any of the provision herein contained should be invalid, illegal or unenforceable under any applicable law, the legality and enforceability of the remaining provisions shall not be affected or impaired in any way and such invalid, illegal or unenforceable provision shall be deemed deleted.

6.18) No delay or indulgence by Joy in enforcing any term or condition of these Terms and Conditions nor the granting of time by Joy to Members shall prejudice the rights or powers of Joy nor shall any waiver by Joy of any breach constitute a continuing waiver in respect of any subsequent or continuing breach.

6.19) These Terms and Conditions are governed by the laws of Malaysia and Members shall submit to the exclusive jurisdiction of the courts of Malaysia.